Market Predictions of Future Inflation, As of May 2015

One of the interesting things you can do with Treasury yield data is get a feel for what the markets expects to see in terms of inflation over the next thirty years or so.  By subtracting real (read: after inflation) yields on inflation protected securities from the yield on non inflation protected securities, you can see the premium suggested for … [Read more...]

The DQYDJ Weekender, 5/2/2015

Is there anything more annoying than fixing a fence?  Well, anything to keep it going another 5 years is worth it, I suppose.  (With material I already have.  I guess it's just a 'free labor from me' sort of deal.) You know, and keep the dog penned in. You folks know I have a podcast segment, right?  Here's my latest!  Go subscribe to … [Read more...]

Another Core Tenet of Personal Finance: Taking Free Money

A weird thread goes through my mind as this article comes together... and isn't quite finance related.  But I have a hammer, everything looks something something. When I was much younger, I was in Boston with a few of my friends - and we were looking to take a T back to South Station to get on a commuter train back home.  I forget where we were, … [Read more...]

A Core Tenet of Personal Finance: Shopping Around

The Consumer Financial Protection Bureau is a relatively new Independent Agency of the United States government which concentrates on... well... consumer financial protection.  Admittedly, their mandate is a bit up in the air right now, but they have made waves and headlines with a number of fines handed out to financial firms. They also, like … [Read more...]

The DQYDJ Weekender, 4/25/2015

Welcome to all the new readers from our links on Rockstar Finances and Lifehacker! For the uninitiated, this is our (mostly, at least 40 times a year) weekly roundup of links we enjoyed over the week.  We link a fair amount of both investing and personal finance things, and our claim to fame is usually investing pieces such as … [Read more...]

Why Should You Track Your Savings Rate?

In our recent articles, we've been talking about the topic of savings rates.  Left unanswered, exactly, is why you should even bother with calculating an exact savings rate - isn't just a vague idea enough? As you can probably expect, our answer is a flat 'no'.  Although an exact to two decimal point savings rate is overkill for most purposes, … [Read more...]

Savings Rate Calculator

This page has a step by step savings rate calculator, which will help you easily compute your savings rate to compare to your own benchmarks, to future savings goals, and to the results of others.  By following the steps in the calculator, you'll have a normalized rate for both a strict savings rate - that is through your purchases and accumulation … [Read more...]

The DQYDJ Weekender, 4/18/2015

Sometimes the hardest part of the Weekender is coming up with something to put in this introduction paragraph - which we consider 100% open, unlike the 95% open of the topics on this site.  Luckily, there is something I can say to all of my American readers reading this post which will be universally liked (yes, universally - non-Americans will be … [Read more...]

How to Calculate Your Savings Percentage

This article will detail how we calculate our savings rate so you can emulate our methods.  We will show you savings calculations using a strict method which only includes the accumulation of assets, as well as the more typical method which also includes paydowns of debt.  All our methods are after tax, also known as "net savings".  All our methods … [Read more...]

The DQYDJ Weekender, 4/11/2015

Happy Birthday (yesterday), Mom! Links We Liked! At Financial Uproar, a paean to working... even if you have the ability not to work.  (Of course a site sarcastically named Don't Quit Your Day Job is going to link to it!). At the St. Louis Fed, an interested quick look at oil prices versus inflation expectations... what if lower oil prices … [Read more...]