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What interest is. Simple versus compound interest.
More on simple and compound interest.
A choice between money now and money later.
More choices as to when you get your money.
What happens when we change the discount rate?
Lets change the discount rates depending on how far out the payments are.
Using a home purchase to illustrate assets, liabilities and owner's equity.
What happens to equity when the value of the assets increase or decrease.
Simple example of borrowing from equity to fuel consumption.
The math of renting vs. buying a home. Challenging the notion that it is always better to buy.
Factoring in appreciation and depreciation into the rent vs. buy decision.
Detailed analysis of the rent vs. buy decision.
Why did housing prices go up so much from 2000-2006 even though classical supply/demand would not have called for it.
How lower lending standards led to housing price inflation.
Why did lending standards become more and more lax from 2000 to 2006?
The virtuous circle of housing price appreciation making defaults go down making lending lax making housing appreciate even more.
Raising money from an angel investor. Pre-money and post-money valuation.
Series A funding from a seed venture capitalist.
More on the series A financing. Going back for another round with a series B financing.
The initial public offering of our online sock company.
Public vs. Private Equity. Why people buy equity to begin with.
What it means to buy a company's stock.
The difference between a bond and a stock.
What does it mean to short a stock?
More on the mechanics of shorting stock.
A discussion of the virtues and/or vices of short selling.
Introduction to bankruptcy liquidation (Chapter 7).
Chapter 11: Restructuring through a bankruptcy
Introduction to return on capital and cost of capital. Using these concepts to decide where to invest.
Introduction to the treasury yield curve.
Compounding interest multiple times a year.
Compounding 100% annual interest continuously over a year converges to e (2.71...).
Continuously compounding $P in principal at an annual interest rate of r for a year ends up with a final payment of $Pe^r.
Continuously compounding for multiple years.
Review of balance sheets. Difference between illiquidity and insolvency.
Hypothetical bank balance sheet. What book value means.
What it means when the market value of a stock is different from its book value.
Different ways of accounting for an asset. Mark-to-model vs. mark-to-market.
How the bank can liquidate assets to pay off debt that comes due.
The bank gets bailed out by an equity infusion from a sovereign wealth fund.
What happens when there is no equity infusion and the bank goes in to bankruptcy.
How the banks are connected. What happens when one bank fails.
What Paulson wants to do and why I don't like it.
Alternate plans and moral hazard.
Introduction to credit default swaps.
The difference between investment and consumption.
More investment vs. consumption examples.
Why a CDO could be worth nothing even though they are "collateralized".
A real life example of a transaction involving CDOs.
A solution that is MUCH fairer that has a MUCH better chance of working!
More on the "Plutsky Plan".
Introduction to how banks make money and the value they (potentially) add to society.
Introduction to the income statement of a bank (and to income statements in general).
Fractional reserve banking and the multiplier effect. Introduction to the money supply.
How "money" is created in a fractional reserve banking system. M0 and M1 definitions of the money suppy. The multiplier effect.
Chapter 7 and Chapter 13 personal bankruptcy. This video was sponsored by Visa, but I had complete editorial freedom as to its contents.
Using the Rule of 72 to approximate how long it will take for an investment to double at a given interest rate.
The difference between APR and effective APR.
What it means to buy a bond.
Why bond prices move inversely to changes in interest rate.
Introduction to mortgage loans.
Introduction to traditional IRA's (Individual Retirement Accounts).
Introduction to Roth IRA's.
Introduction to 401(k)s.
How Payday lending works.
The institutions involved in processing your credit credit and how they relate to each other.
Correction to 401(k) video.
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