You may be familiar with the term “LIBOR.” It stands for the London Interbank Offering Rate, and had been used for decades by banks worldwide for interbank short-term lending and more popularly as the base rate in the U.S. for calculating the interest on a variety of personal loans. Well, it’s gone. As of July…
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Harry Markowitz died last month. You probably didn’t hear about it in the traditional media sources. They tend to limit their obituaries to entertainment and sports stars, politicians, and other well-known personalities. Yet I contend that Markowitz has had a much greater impact on your life than practically any of those others. Markowitz was the…
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For many years the only way to purchase cryptocurrencies such as Bitcoin has been through unregulated private exchanges. And investing in such digital assets has not been for the faint of heart. Aside from the extreme volatility of the assets themselves, the exchanges have suffered a number of high-profile failures. In 2022 alone Terraform, Celsius,…
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After dropping below $800 million at the start of the coronavirus pandemic, the total aggregate credit card balance in the U.S. soared to nearly one trillion dollars as of the end of March this year, according to the Federal Reserve Bank of New York. That’s a new record high and does not bode well for…
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How many times have you heard the phrase “This Time Is Different?” In the context of investing it usually means something fundamental has changed in the way capital markets operate. The implied consequence is that you can no longer rely on the way things worked in the past to make investment decisions about the future.…
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When it comes to equity investing, the difference between luck and skill is primarily a matter of consistency. If you choose to invest in a fund or ETF designed to passively track some stock market index you are practically guaranteed to get market returns. Of course you need to make sure to utilize funds that…
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