The Recent Speed of Volatility Changes in the Stock Markets

One thing to notice about the recent turmoil in the American stock markets is how quickly volatility can pop up out of seemingly nowhere. Let me back up: volatility, loosely defined, is an adjective applied to things which change quickly and often without warning.  It has made its way into many advanced fields - in chemistry, it refers to how … [Read more...]

The DQYDJ Weekender, 8/22/2015

I haven't done a Weekender for some time, sorry about that!  I had been polishing up the video card I've been working on, which I'm happy to say is in very usable shape (if you are inclined to build one, that is, not buy one).  For you technical folks, here is a link. Otherwise, let's highlight some good pieces! Our friend Sandi Martin … [Read more...]

AAA, AA, and A Rated Corporate Bond Total Return Calculator

On this page is a calculator which allows you to compute the total return of corporate bonds rated A, AA, or AAA.  It is based on the Bank of America Merrill Lynch US Corporate Master Index, split out to only return corporate debt in the A to AAA range.  This can be considered 'safe' from a credit rating perspective, although each individual A - … [Read more...]

Breadth vs. Depth in the Market Indices, Part II

On Monday, we put up a brief post about breadth and depth in the S&P 500.  Roughly, even though the S&P 500 itself has shown a lot of strength to at least stay neutral or range bound for quite some time, it's outperforming companies which are keeping it there.  The majority of the index components are showing notable weakness. Weighing … [Read more...]

Breadth vs. Depth in the Market Indices

We've seen an interesting discussion on market breadth versus depth in various market indices in the recent past. It's an interesting point - it's like in basketball, where a dominant performance by a star player can mask a decline in fundamentals from the rest of the team.  So too in, say, the S&P 500 - dominant performances by big firms … [Read more...]

If You Prioritize Stability, Don’t Prioritize Stocks

We haven't written about Chinese markets since our epic post comparing social and political reactions to the market fall in China and recent American market falls. Safety, Risk, and the Risk of Not Having Enough At issue (or reminding us of the issue), an interesting quote in a New York Times article way back from July 6th, entitled "Chinese … [Read more...]

The True Cost of Mortgages in August 2015

If you've followed DQYDJ for a while, you know that we like to revisit some types of articles for a follow up.  One series we have been working on is the so called "real cost of mortgages" - an estimate of the actual, real interest rate that a mortgage will cost over its lifetime. Mortgages and Inflation In essence, when a bank issues a mortgage, … [Read more...]

Don’t Overthink Your Financial Statistics

The real life equivalent of "my ears are burning" for a writer online is seeing large influxes of people from a new site in our Analytics panels.  We like to check the context of our larger links - and this article is directed at a number of new visitors over the last month or so, as our Net Worth Percentile by Age and Income Percentile By Age … [Read more...]

Reinvested Wilshire REIT Index Calculator

On this post is a calculator which allows you to estimate the returns on money invested in the Wilshire REIT Index, an index comprised of American Real Estate Investment Trusts. It generally approximates the returns of large commercial and industrial property REITs, and it our first calculator targeted at returns in that area. (See our calculator … [Read more...]

The DQYDJ Weekender, 7/25/2015

It's been a long time since I've written up a weekender - apologies for that!  My wife and I have been on vacation (I don't think we warned you anywhere; apologies for a second time) and we just got back.  The Weekender, unfortunately, wasn't at the top of our priorities list during that time - but now that we're back, expect more frequent … [Read more...]