How Much Did You Save in 2013?

Some of our longer term readers enjoy this time of year on DQYDJ, because we post a Personal Finance article actually directed inwardly - namely, an expose of the PK household spending habits. We appreciate being held accountable on this front - it's hard to trust random voices on the internet, so only by looking at results and history can you … [Read more...]

The DQYDJ Weekender, 4/19/2014

A reminder - you can get me in audio form too!  Catch the recent episode of Stacking Benjamins, where I talk about Dollar Cost Averaging. So, we're pretty annoyed about this whole Census Bureau changing their health insurance questions thing. You know, especially considering that the Census Bureau's director started reporting to the White … [Read more...]

A Visualization of IRS Collections Since 1960

On this page is a visualization of the sources for tax revenue collected by the IRS between fiscal years 1960-2013 in the United States. All data in the visualization comes from the IRS's 2013 Data Book. Apologies to our cell phone readers - you should view this on a tablet, laptop, or desktop (or something with a big screen).  If you're in a … [Read more...]

Oh, Your House? It Was a Bad Investment.

In this article, we present a Home Investment Calculator.  We estimate median values and actual returns for any of 356 American Metropolitan Statistical Areas in an attempt to tell all of our American readers exactly how well their homes have performed as an investment. Real Estate Return Calculator For those of you reading this on feed … [Read more...]

The DQYDJ Weekender, 4/12/2014

I'm sure you've heard, but around half the internet had been compromised for about the half year due to the so-named Heartbleed bug.  We know that it was found at least 3 times - by the NSA (probably), by Google, and by a Finnish researcher, Leena Snidate.  It has been in the wild since 2011 - if you think you're safe and those are the only three?  … [Read more...]

Is a Tax Refund Really That Bad to Receive?

Ahh, April.  Your taxes are now (or will shortly be) filed, and you've got a tax refund on the way. All's right in the world, right? Well, yes - but in the Personal Financial niche, you can expect the sanctimonious chants of "but you gave the IRS an interest free loan!" to start posthaste - likely before the ACH from the Treasury even hits … [Read more...]

Taking the Market’s Temperature – Main Street Edition

We're on record as of last November predicting a plateau (well, technically we predicted a gentle upslope) in the American stock markets... at least over the decade ending November 2023.  As part of our hedging, we checked a number of indicators - including so-called "market sentiment" indicators - when we made our call. Now, our investor … [Read more...]

The DQYDJ Weekender, 4/5/2014

For those following my continuing buying-another-Les-Paul-saga (what, is this an annual tradition?), it happened again.  I sniped a cheap Ebony Les Paul from Musician's Friend (a wholly owned subsidy of Guitar Center) on eBay, only to have it cancelled the next morning as "out of stock".  Hopefully their customer care can come though - you guys are … [Read more...]

How to Write to Gain Respect at Work and in Life!!!!1!

Inspired by fellow blogs written by liberal arts majors with student loan and credit card debt talking about trading forex and binary options, we've decided to try a new subject today: telling you how to gain respect at your job and in your life! Now, sure - this blog is written by two engineers and an economist.  Since the common feeling in … [Read more...]

The DQYDJ Weekender, 3/30/2014

2014 has seen three Californian senators from the Democratic party face charges this year, but the entire cake was taken this last week by Senator Leland Yee, a candidate for California Secretary of State. Mr. Yee is a major supporter of gun restrictions, and has supported quite a few gun laws over the years in California: A law that would … [Read more...]