For years, the "endowment" method of investing--mimicking the investment portfolio's of the endowment funds at Harvard and Yale --have been touted as somehow a "cut above" but as a report in the Wall Street Journal points out, they're simply not "making the grade" and are far under performing the S & P 500!  Steve and Sinclair have the startling report. Then mortgage expert Joe Capitano is here for the Q & A.