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S&P 500 2014 Performance: Inflation Adjusted and Dividend Reinvested

We've mentioned it before, one or two (hundred) times... the best way to evaluate investment performance in a vacuum isn't by using the 'price level' of an index.  Instead, it is best to check the relative purchasing power increase an investment has brought to the table - and you can only do that by … [Read More...]

A Collection of Peers: How Work and School Choice Affects Total Income

If you read mainstream financial media, you've recently seen more and more sophisticated reporting on median income trends in the United States.  Instead of tossing a single median income number at you out of context, mainstream sources are getting better and better at providing context... … [Read More...]

5.9% Unemployment – But Where’s Your Raise?

After taking a couple months off in the 'promising figures' category, the unemployment rate seems to have broken back in the direction we all want to see it going: down.  5.9% is the headline figure, and that 5.9% number came with a very promising increase in the nonfarm payroll employment number... … [Read More...]

For Your Money, What House Should You Target in Silicon Valley?

When our friend SSS from Save. Spend. Splurge. asked us if we were interested in shining a spotlight on value-for-your-housing-buck in the Bay Area of California, we jumped at the opportunity.  Her prompt: What can you buy for $250,000, $500,000, $750,000, and $1,000,000 in your neck of the … [Read More...]

The DQYDJ Weekender 10/18/2014

So, my promising Saturday was rudely interrupted by the galvanized downpipe to my sprinkler system springing a leak last Sunday.  I've had this amazing piece of engineering you can see above (read: hack) stopping the flow brilliantly for a week, but I'll be replacing it with PVC … [Read More...]

Two of Our Greatest Hits

The Four Pillars of Personal Finance

Both my co-writer Cameron and I have recently penned screeds on a worrisome trend we've seen in Personal Finance blogs - the hyperbolic obsession with "Debt Zero".  "Debt Zero" is, of course, the idea that above all else Debt Must Be Paid Down (or … [Read More...]

The Fundamental Problem With Financial Models

I know you're in a real estate mood now that the election is done with... so let's talk about it more, if only tangentially. Hey DQYDJ readers, remember that whole real estate bubble popping thing which started a few years ago?  Now, there is … [Read More...]