Enjoy these Memorial Day weekend reads curated by Beth with a few additions from Tim: 

• NGPF Podcast guest, Morgan Housel, is at it again with a valuable piece on "Realistic Personal Finance Hacks." My favorite: "A finely tuned BS radar that screams “red alert” when promises of abnormal gains without abnormal sacrifice are offered."
• It's a time for advice to graduates, here are a few that caught my attention (interesting to see the overlap since they come from two very different professions):
  • Lin-Manuel Miranda’s 7 pieces of advice for new graduates (Fast Company)
  • My Commencement Speech — Life at Your Crossroads (Mark Suster, Venture Capitalist)
• Good news, here? Your life expectancy is longer than you think (Monevator)
• Robert Smith pledges to pay off Morehouse graduates’ debt (WaPo) and why this event will be a great economics "experiment" (Slate)
  • This is the subject for this week's FinCap Friday, Greatest Graduation Gift
• Having once taught an intersession at Harvard, I can attest to the fact that yes, even at these elite universities, students have little financial knowledge. This WSJ article is titled "Even Harvard Is Now Teaching Personal Finance," and highlights workshops offered at a few Ivy campuses. 
• Did you know? 20% of online bill pay involves the bank cutting a check; some banks mask the numbers, others don't. Is this a risk? (Cleveland.com)
• Five things that have changed for consumers under the current administration (Consumer Action)
• Your caveman's brain isn’t built for investing (WSJ)
• Good reminder to leave some open space on your calendar this summer...sometimes serendipity is right around the corner if we allow it (Heleo)

Want to explain investing to someone just getting started? This Visual Capitalist Infographic, A Simple Introduction to Investing, is a great place to start: 

About the Authors

Tim Ranzetta

Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.

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