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We lead off this week with Georgia-Appalachian State. Why? Because Georgia can lose this game. I'm sure of it because Kirby Smart keeps saying it.
Actual Smart quote: "They’re the fastest defense I’ve seen on tape, and that goes for every position."
It's true. App State once outran a pack of cheetahs. In full pads!
Football coaches can be so cute.
Yes. I know. App State upset Michigan in 2007. Not coincidentally, Lloyd Carr retired after that season to the nearest bass boat.
You want to see downtrodden? Watch what happens if the Dogs blow this. The team with the fastest defense in the history of the world is getting paid $1.25 million to come to Athens. That's not because Georgia is expecting to lose. Dogs cover 14½.
Actor Andrew Garfield has opened up about understanding the complaint against giving LGBTQ roles to straight actors.
Speaking to The Independent, the 35-year-old actor shared his thoughts on the discussion surrounding the roles and the growing consensus that they are being taken away from LGBTQ actors and actresses.
In 2017, The Social Network star found himself in a bit of a tight spot when he joked that he had watched RuPaul's Drag Race in order to prepare for his role as Prior Walter in Angels in America written by Tony Kushner.
Prior is an openly gay man who begins to experience visions of being visited by an angel after being diagnosed with Aids.
Following his comments, members of the LGBTQ community called the actor out for being insensitive and resorting to gay stereotypes to portray them.
However years on from the situation, the star, who said the comments at the time had been taken out of context, said he understood the argument that gay roles were being taken form LGBTQ actors and being given to straight actors.
He also added that he believed his job at this very moment was to listen to the argument made by the LGBTQ community and be an 'ally'.
The actor, who rose to fame in The Social Network before landing his role in The Amazing Spiderman, was born in Los Angeles before his family moved to Surrey in the UK.
The actor recently starred in the film Under the Silver Lake which follows the story of a man's dangerous journey to find his beautiful yet mysterious neighbour.
European publicly-held corporations lead the world with 18% female corporate board members, while all U.S. public companies and all companies, globally, average 12%. Large U.S. public companies have an average of 21% female board members.
CHICAGO, Dec. 1, 2017 /PRNewswire/ -- Director Search founder and CEO, Ken Taylor, announced today that European public companies lead the world with respect to female representation on their corporate boards. At a level of 18% female board member representation, European public companies are 50% above the global avera...
While 945 (94.5%) of the Fortune 1,000 companies have at least one female board member, 4,708 (64%) of the remaining 7,341 U.S. public corporations do not have a single woman on its board of directors.
Currently, more than 10% of the 306,186 board members of the world's public companies are age 70 and older, with many being a member of more than one corporate board. In the U.S., 19% of the corporate directors are age 70 and older, compared to 7% for European companies.
This means that over the next 2-5 years, public companies, particularly those in the U.S., will replace many of these directors as they retire due to age or are not re-nominated. These factors suggest there is a significant opportunity for public company boards to consider female director inclusion and diversity. Pleas...
The Director Search platform allows companies to directly access the global talent pool for board members and senior executives, including female directors and executives.
Director Search is an innovative technology enabled capability that demystifies the director and executive search process. It allows Boards and CEOs / CHROs to significantly enhance their ability to identify real time candidates for Board and executive roles to ensure they are identifying the most talented leaders to d...
Note to editors: For more information, news and perspectives from Director Search, please visit the company website at https://www.directorsearch.com. Web links, telephone numbers and titles were correct at time of publication, but may have changed. For additional assistance, journalists and analysts may contact Ken Ta...
Dear Prudence podcast: The “Friend, Not Therapist” Edition.
My friend makes me listen to her problems, but she never listens to mine. Help!
This week finds Dear Prudence live on stage at the Bell House in Brooklyn. Recorded on March 13, Prudie was joined onstage by Jezebel writer Jasmine Sanders.
Together, they dig into letters about what to do when the kids you nanny are completely out of control, how to handle a friend who dumps on you but never listens to your problems, what to do with an absent-minded fiancé who makes you worry for your safety, what actions to take when you suspect you’ve been violated whil...
Slate Plus members will hear Prudie and Sanders discuss a letter writer whose recovery from an eating disorder is hampered by a mother who constantly admonishes her appearance.
A year ago, as Austin renters were smarting from what looked to be the peak of an “extraordinary market,’” the silver lining was that so many new buildings were nearly finished that rents might stop skyrocketing.
Um — notsomuch, actually. Now the question is what we can do about it.
As the Statesman’s Shonda Novak and Lori Hawkins recently reported, people who have been looking for some rent relief “will have to keep waiting” because “while all the new supply of apartments has made a dent in the occupancy rate, rents are still climbing, the latest figures show.” The average rent for the five-count...
A construction worker is shown last year at the Catherine, a 19-story luxury apartment tower just south of Lady Bird Lake. Even with the recent apartment building boom, rents continue to climb.
Mayor Steve Adler contends the underlying issue is simply that Austin remains too far on the wrong end of the supply/demand curve. He said the unprecedented building boom along places such as South Lamar Boulevard and East Riverside Drive were bound to come up short. Too many people are moving here for those projects t...
His solution: Austin needs to decide how many additional homes and apartments it wants over the next decade, then craft city policy to meet that goal. A starting point for the discussion: 100,000 more units over the next decade.
“Even without knowing the exact number, it’s clear we need to deal with the supply/demand mismatch,” Adler told the American-Statesman. He said that only by establishing an actual goal can Austin clear the notorious tangle in its permitting process — which hits both big developers and people trying to add a screened po...
Adler said his office is “working with a coalition of housing stakeholders to find a number that is aspirational but obtainable.” He hopes to have some proposals ready for inclusion in the upcoming budget season, for instance “by making sure the city staff has the resources” to fix problems with the permitting process.
Real Estate Council president Ward Tisdale recently Tweeted out a Citylab article with the headline, “How San Francisco Progressives Betrayed the City They Love.” Gabriel Matcalf, the president of an urban-policy think tank who wrote the piece, argues that liberals traditionally wanted a city where everyone from a unio...
People liked San Francisco and moved there. But liberals caught onto causes such as historic preservation, stalling or defeating new projects, the Citylab article said. Supply and demand got out of whack. San Francisco got really expensive.
if you’re frustrated by rising rents, keep these competing dynamics in mind. At what point do historic zoning, neighborhood preservation and environmental restrictions become a stalking horse for no-growth policies? At what point does economic development undermine the very thing advocates say it’s supposed to do: help...
People with fancy degrees disagree about this stuff. But Austinites frustrated by the rising rents should at least keep the debate in the back of their mind. When it comes time to renew the lease, there’s a lot more going on than just the market and that tech worker who moves in two units down.
What reductions are in Austin’s proposed city budget?
Readers react: Could 100,000 more units rein in Austin’s housing prices?
When will the stock market volatility end, and what do investors need to know about it?
In the latest edition of the Industry Focus: Financials Between Two Fools interview series, Wofford Finance Professor Philip Swicegood discusses his unique approach to teaching college students about investing. And host Jason Moser and Fool.com contributor Matt Frankel, CFP, discuss the recent stock market volatility, ...
Jason Moser: Welcome to Industry Focus, the podcast that dives into a different sector of the stock market each day. It's Monday, December 10th. I'm your host, Jason Moser. On today's show, we're going to try to make sense of all of this market selling that's going on. Of course, we'll tap into Twitter and give you One...
We're beginning this week with another installment of Between Two Fools. Dr. Philip Swicegood is a professor of finance of Wofford College and chairs the Department of Accounting, Business and Finance. He's also part of the James Atkins Fund, a student-run fund that provides Wofford students with real-life investment e...
Moser: Philip, give us an idea of who you are and how you ultimately got to Wofford. I know you got to Wofford in 2005, but you have a very interesting work history. Tell us a little bit about it.
Philip Swicegood: Sure. This is my 14th year that I've been here at Wofford College. I teach finance here and I chair the Department of Accounting and Finance. I get to work with a bunch of great colleagues and some really bright, motivated students here. Before coming here, I taught some before at other institutions. ...
Moser: Whenever you're doing something that you enjoy, it really doesn't feel like work. I came to that realization when I started here at The Fool back in 2010. It was certainly plain to see when I was down there visiting a few weeks ago that you have a very highly engaged class there. It was a lot of fun to see.
I wanted to go a little bit more in depth here with the James Fund. This, to me, is a really interesting facet of what you all are doing down there at Wofford. It didn't exist when I was there. I graduated in '95 as an economics major. It looks like the inaugural meeting was held in September of 2008. Tell us a little ...
Swicegood: A little over 10 years ago, one of our alum, Mike James, he and I had had some conversations. He called a vision of, just like in chemistry, you learn best chemistry by actually doing it. I mean, you need the theory, you need the formulas, but you actually learn it best by going into the lab and adding the h...
Moser: Every once in a while, blow something up.
Swicegood: [laughs] Yes, blow stuff up. We blow up portfolios occasionally.
Moser: Yeah, we all have.
Swicegood: I just had that vision, we needed something like that here for our students who really wanted to learn about investing, to actually learn it by practice and start putting theory into action, and test it out, see what works, what doesn't work. Experience is one of the best reinforcers of knowledge.
We talked to Mike James. He caught that vision, and said, "Hey, I'm willing to donate $100,000 for you guys to launch this fund. Let's get it up and running." So, we did that about 10 and a half years ago. Ironically, it was right in the midst of markets melting down in our last recession.
Swicegood: Oh, yes. September of '08. If you remember, March of '09, about five months later, was the bottom of the market.
Swicegood: So, we're learning this trial by fire. But it was fine. It was a great learning experience. We got it up and running a few years ago. Another one of our alum loved what we were doing and said, "Hey, I want to help you guys scale this up." So, Robbie Atkins gave another $100,000 to help bolster this a bit.
The way we run it here is, we model it somewhat like the way the college's endowment is run, which is a mixed asset class portfolio. A lot equity, some fixed income, a little bit of alternative and real estate and those kinds of things. When we set it up, we decided to do mostly our asset allocation based on the way th...
Taking that as a given, I have 20 students who are part of this. This is extracurricular. They're not getting a grade for it, but it is highly competitive. We have about 10 new students a year rolling into the program, as about 10 graduate each year. We'll often have 30, 35 applications for those 10 slots. It's pretty ...
Moser: I didn't realize it was in that high demand. That's phenomenal. I was reading, you don't have to be a finance or econ major. The fund is open for any of the students to apply, right?
Swicegood: Absolutely. We've had biology major, history majors, government majors. That's part of the Wofford ethos. We think that kind of good, broad-based liberal arts education helps. Especially, we have a biology major, somebody is premed tracked, and we started looking at one of the drug companies who's working on...
Most of them, obviously, are accounting, finance, or econ-oriented, but certainly it's not limited to those by any means. I'm just primarily looking for students who have a passion for wanting to learn it and are willing to work hard. If they can do that, I can work with them.
Moser: Assuming you have the program filled, throughout the course of a year, the team is putting some investment ideas through the wringer or whatever -- do you find yourself stepping out into different majors, different classes at the school to get some sort of boots-on-the-ground opinion there for people with more e...
Swicegood: The 20 students, we break them into four research teams, and they each have areas where they're primarily focusing on. We have monthly group meetings where formally, we do our presentations and voting and that. But leading up to that, I ask them to bring their single best idea. Each team is supposed to do th...
And that's exactly what I want. I want students to learn how to do that kind of messy research. Some stuff, yes, you can get on Bloomberg in crunching the numbers, but at times, you've got to do some more messy, quantitative as well as qualitative research. Sometimes, you've got to be creative in how and where you get ...
Moser: Right. Information flows so quickly now, you can't really keep anything a secret. It's not like back in the day, when Warren Buffett was down at the library at S&P or Moody's or whatever, doing that research that no one else wanted to do.
Moser: When I was down there, you guys were talking to me a lot about the fund. You went into something that you all are doing with the returns that you generate from the fund, which I found absolutely fascinating. It's not every school that has a fund like this. I've seen a few of them that do. I think it's just a ter...
Swicegood: For the 10 years we've been in operation, we've earned a little over 10% per year. That's our average return for the fund.
Moser: You've beaten the market.
Swicegood: Yes! This is with a bunch of students, which is phenomenal. It cracks me up. One, it shows you what you can do with good, hard research. I don't know whether it's by fortune or by design, but, anyway, we've had a wonderful track record so far.
Every other student-managed fund that I know in the U.S. with undergrad or graduate programs, they just take all that profit and they reinvest it and grow the portfolio. Which is fine. But we started talking fairly early on soon after the fund was born, is there something we want to do creative with it? Again, this is ...
So, I spent some time following some connections with Ron Robinson, one of our chaplains here. He had some friends of his over in Charlotte, some bankers who were separately running the same idea. They had just started doing some micro loans down in northern Haiti, an area called Cap-Haïtien, which the second largest c...
But the real impediment for a lot of them is just a lack of capital. That's the No. 1 thing that holds them back. And it doesn't take much. For the typical families that we're working with down there, average family income for them for a year is between $1,000-$1,200 for an entire year. It's mind-boggling to me, that a...
So, we decided to take the plunge and at least experiment, see how it went. That first year, we took down, I believe it was $6,000. I took some students down with me. We've got some connections. There's a couple of NGOs down there who do a lot of medical work, a group called New Hope for Haiti who had an affiliation wi...
What we do is, obviously, we're loaning in an international country. These people are poor, they don't have collateral, so we've got to be creative in how we structure the loans. So, we use the Grameen model, which basically says, we make loans in groups of five people each. They form their own kind of alliance of who'...
And amazingly, our experience now in loaning to them, as we're starting our eighth year down there, we've had almost 99% repayment rate. Of the hundreds of loans that I've made, I've only had so far six of them that's gone into default.
Moser: I'm reading through the report here that you sent me. This is dated back to March of this year, so it's six months old or so now. But even then, looking at the total number of loans made in Haiti, 180 retail loans for a value of $42,600; 460 agricultural loans at $56,800. Then you go down to the Dominican Republ...
Swicegood: It has. We've been really fortunate. We try to go slow, ask a lot of questions, do due diligence. So much of good lending is about character and hard work and opportunity. We only make loans to people who, again, currently have a small business or a farm or something that they're running. Doing that solidari...
It's also fun to see. Quite a few of our borrowers are females. I've heard story after story where, I'm asking upfront for some of these potential borrowers, when we're interviewing them, and I ask, "What do you want to do with the money?" And they tell me about their business model. And then I say, "Why are you doing ...
Moser: I love that. It sounds like y'all are doing some really good things with the fund there. I tell you, when I was down there, I was so impressed by the students, by you all the staff. An amazing thing you're doing here with the fund. I'm glad you've had a chance to tell our listeners about it today. Philip Swicego...
Swicegood: Glad to do it!
Moser: Joining me in the studio this week as always via Skype is certified financial planner, Matt Frankel. Matt, I know it's getting cold where you are. It's cold where we are. Did you have a good weekend?
Matt Frankel: It is. Fortunately, I don't have to leave the house. Sorry for you guys. It was a good weekend, just cold and rainy the entire time. It's a pain to schlep the kids around when it's 35 and rainy.
Moser: Yeah, you have to carry them around. I tell you, when they hit that age where they can start getting in and out of the car on their own, and you don't have to change as many diapers, life gets a little bit easier.
Moser: That's the goal. Matt, leading into this week, the end of last week, this has been a tremendous past few days for the market, not in a good way. It seems like there has been an awful lot of selling, a lot of people running for the exits here for whatever reason. It seems like we could probably pinpoint a few dif...
Frankel: There's a couple of main root causes that we could pinpoint. The trade war/ skirmish/ whatever you want to call it is an obvious one. Not necessarily that it's going to be bad in the long run. If you haven't been following the news, the U.S. and China agreed to a 90-day period starting December 1st to continue...
Inverted yield curves also tend to be recession predictors. They're not perfectly reliable. A recession usually happens a year or two after you get an inverted yield curve. The financial industry is really heavily affected. This is the Financials show. That's why bank stocks are one of the hardest-hit parts of the mark...
Speaking of listeners, I'd like to tap into Twitter here really quick and read a couple of tweets that came out over the week. First up here, we have Daniel @djisdj. Daniel writes, "Value matters, of course, but I'm always interested in a company whose product I use and enjoy every single day." Daniel, couldn't agree m...
Frankel: Out of the corner of my left eye, I can see Slack. It's pulled up on my screen right now, actually. So, I hear you. A product that I use every day.
But there's a difference between usage and valuation. Snapchat is a first-age app for a lot of people. I wouldn't exactly call that worth what it was trading for at its IPO.
Frankel: "Price is what you pay, value is what you get," is one of my all-time favorite Warren Buffett quotes that applies there.
Moser: Yep. If anything piques your interest, dig a little bit more into the financials, but certainly understand how the company makes money before you jump the gun there. Maria @mstpc writes, "That's right. I love Industry Focus and listen to them almost every morning while doing my makeup #Spotify Wrapped2018." Mari...
Frankel: Every Monday at least, I hope.
Moser: Every Monday, no question. If you're not listening to Financials, you're missing out. It's money. Everybody loves money. Seriously, though, Maria, thank you for the kind words! We're glad to know that we can play a role in your daily routine.
Matt, speaking of routines, before we get into our One to Watch this week, you write a column for USA Today every week, the Ask A Fool column for USA Today. You had a great idea to bring more answers and ideas to our listeners. Tell us about it.
Frankel: Jason, I love getting your questions about bank stocks, fintech, the war on cash, things like that. This is basically, think of it like a Dear Abby for the investing world, where you can ask general investing questions and have them answered in the paper. We're putting out an open call for any of your investin...
Moser: Absolutely. And this isn't limited to just financials, you're talking about general investing questions, things that span that entire investing universe. I love that idea. I'm glad you brought that up. As Matt said, you can reach out to him on twitter @TMFMathGuy. Of course, you can reach out to us on Twitter @M...
Alright, Matt, let's wrap this week up here with One to Watch. What stock has piqued your interest for this coming week?
Frankel: It's really tough to pick just one bank stock because they've been beaten down so much. I wish I could own them all. I've recommended an ETF that owns them all before. One in particular I'm curious about right now is Bank of America, ticker BAC. It's the bank stock I've owned the longest in my portfolio. It's ...

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