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Inflation and DeflationBlogInflation

INFLATION AND DEFLATION

Inflation occurs when prices increase. Put another way, the value of the currency declines. So, if the price of an apple rises from 25 cents to 50 cents, we have inflation, as the value of a dollar declines from four apples to two. Inflation “debases” a currency; the dollar buys less. Deflation occurs when the prices of goods and services…
David A. Dubofsky
September 11, 2025
Capital 101BlogCapital gainsFinances

CAPITAL 101

“Capital” is one of the most multi-functional and important words in the world of finance. Here, are its most common usages: Capitalism is an economic system in which companies and individuals privately own the means of production. In socialism, the government owns the plant, property and equipment. A capitalist is an individual who invests in companies and their assets to…
John Drake
August 22, 2025
Collateral - Borrowing MoneyBlogBorrowingFinancial Literacy

COLLATERAL

If you borrow money, the lender will likely require collateral. Collateral is any asset that can, if the lender agrees, serve as security for the loan. In pledging collateral, the borrower agrees that the lender may legally seize the asset in the event of default (i.e., the borrower fails to repay the loan). Collateral is motivating for both a lender…
HSF Publishing
August 7, 2025
Yin and Yang of Personal FinanceBlogFinancesFinancial Planning

Yin and Yang of Personal Finance

SUCCESS IS GETTING WHAT YOU WANT. HAPPINESS IS WANTING WHAT YOU GET. — Dale Carnegie Imagine for a moment that you are in a large room filled with financial planners. They are not like your Uncle Harry or Cousin Sally, who pride themselves on being financially savvy, periodically giving you hot stock tips and advice on managing your credit cards.…
John Drake
July 28, 2025
What is 'Finance'Finances

What Is Finance?

FINANCE David Dubofsky PhD, CFA & Lyle Sussman PhD Well, what exactly is finance? We define it as a set of concepts, rules and theories concerning how to best raise, manage, and use money. By “raising money,” we mean the judicious borrowing of money, by consumers like you, to fund consumption; the taxation and borrowing by governments to pay for…
HSF Publishing
July 25, 2025
Fixed-income InvestingBonds

Fixed-income Investing

A USEFUL PRIMER ON FIXED-INCOME INVESTING If you’re looking for a primer on fixed-income investing, you’ll find it as the latest contribution to our blog. Kudos to David Dubofsky, PhD, CFA for bringing 30 years of teaching, research and investing experience to this important topic. And because the financial security created by fixed- income investing leads to emotional security, his…
HSF Publishing
November 6, 2024
Long Term InvestingInvesting

Experts’ Guide to Long-Term Investment Strategies

What are the key advantages of long-term investing compared to short-term investing? Consistency is the key advantage of having a long-term perspective when it comes to investing. To me, short-term investing is speculative market timing. Very few individuals successfully try to time markets (stock values and interest rates). Why expend resources on timing markets? Just take a long-term view. Compare…
David A. Dubofsky
August 26, 2024
Investing-During-A-RecessionInvestingrecession

Expert Insight on Saving and Investing During a Recession

What advice would you give people to manage their money during a recession? The best investing advice I can give is to ignore current economic conditions when making investment decisions. You should have a target asset allocation strategy (mostly stocks and fixed-income) that you follow, regardless of the economy. If your actual stock or fixed-income allocation differs from your target…
David A. Dubofsky
August 19, 2024
CryptoCurrencycryptocurrencyInvesting

Should I Buy Cryptocurrency?

Analysis And Portfolio Approach Cryptocurrency isn’t going anywhere. You can ignore it – or embrace it as part of a balanced investment portfolio. By Geoff Williams https://www.moneygeek.com/investing/crypto/cryptocurrency-or-stocks/#expert=david-dubofsky-phd-cfa To help investors make informed decisions about how much cryptocurrency belongs in their portfolio, MoneyGeek constructed its own value-weighted cryptocurrency index and analyzed the last seven years of cryptocurrency returns. We compared these…
John Drake
May 15, 2024

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