Free Info for the DIY Investor

The egghead who translates scholarly gobbledygook about investments and retirement planning into plain English.

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Chester Chambers, MBA, PhD

Clinical Professor Information Technology, Operations Management, & Business Analytics

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Latest Blog Posts

Sample Speech #3: A Toast to the Toastmasters

le Ladies and Gentlemen – this is a box. It might be an hour of work. It functions just fine. It gets the job done, and it will last forever. I can put it in my garage...

Guardrails & Probability of Failure Nonsense

Perhaps the most common tool used to discuss retirement planning, and especially planning withdrawals from a retirement account is the use of Monte Carlo Simulation. In...

Sample Speech #2: Male Bovine Excrement

Opening – 1:00 Minute This is a copy of the album Power, from the Temptations back in 1980. This was the last hit record for the group and the title track started...

Sample Speech #1: It’s All About the Shoes

This is a sample speech that won several contests in my district. I provide it here for anyone looking for ideas or sample speeches to get started in Toastmasters or any...

Normal Doesn’t Mean “Normal”, it means normal

I ran across an important quote today that is particularly enlightening about attitudes towards investment returns. It relates to the Laplace-Gaussian distribution, but...

Investing has Been Solved (Sort of) – Part II

Let’s get the idea that will enrage most people out of the way first. When it comes to long term investing (and there is no other kind) our simple rule is; All Equities –...

Investing Has Been Solved (Sort of) Part I

Before you freak out and scream – “no it hasn’t you idiot, my situation is different,” let me explain that you are absolutely right, but that has nothing to do with the...

More 4% Nonsense

Whatever you do in this space, don’t ever admit that the 4% rule is nonsense. If you do, you will be publicly flogged and left for dead for being such a monstrous idiot...

Risk and Investment Returns are Positively Related

I begin with a beautiful illustration from William J. Bernstein’s book, The Four Pillars of Investing. I will quote him directly here to be sure to not take credit for...

Biography

I have over 25 years of experience as a Professor/Lecturer/Teacher with prior faculty appointments with NC State University, Washington University in St Louis, Johns Hopkins University (School of Business and School of Medicine), and Southern Methodist University. My research has spanned Retirement Planning, Business Analytics, Technology Management, Operations Management, Supply Chain Management, and Health Care Process Improvement. I also have side interests in  recreational cycling  and public speaking.  

Learn more about Me

I remain active as a Teacher/Scholar/Author and Public Speaker. You can get a taste of the back-story here.

I'd Love to hear from you

Utilize this contact form for inquiries regarding data sets, published works, teaching notes, speaking engagements, additional content, or just for the fun of it.