David

David

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Posts by David

Vanishing Home Equity

15 years ago
in
From Calculated Risk we get a graph showing homeowner percent equity since 1952 Approximately 31% of households do not have a mortgage. So the 50+ million households with mortgages have far less equity than 44.7%.  Also, when prices were increasing dramatically in recent years, the percent [...]

Finding the Highest FDIC Savings Interest Rates

16 years ago
in
Consumerism Commentary maintains a nice list of the top paying savings and money market accounts that are FDIC insured.  They also show how the interest rates have changed over the last four months to give you an inkling on whether the interest rate is a teaser or likely to stick around for a [...]

Brokerage Account Protections

16 years ago
in
While you probably feel good about your understanding of FDIC insurance for your bank deposits, you probably don’t have as good a feeling for money and securities held by your broker. The Financial Industry Regulatory Authority (FINRA) put together a nice description of what happens when a [...]

12/12 Economic News

16 years ago
in
Interesting economic news RMDs likely suspended for 2009 (not 2008) — A one year (2009) benny only.  It has passed house and senate and is now on presdents desk.  It also contains funding relief for company pensions. Auto Bailout Bill dies in Senate — No bill this year, which means it goes back to [...]

Don’t use FreeCreditReport.com

16 years ago
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Under federal law, consumers are entitled to one free credit report a year through government-sanctioned web site AnnualCreditReport.com. But thanks to those catchy commercials, the FreeCreditReport.com address is far better known among many consumers than the government site. In fact, the [...]

Market Valuations – q and CAPE (PE10)

16 years ago
in
This is the first of a series of posts that are going to look at current market valuations. The following is a graph of two valuation measures: Cyclically adjusted price earnings (CAPE) and q. It was put together by Smithers & Co. and goes from 1900 throuh October 9th, 2008.  CAPE is based on [...]

Tips for Keeping Wedding Cost Under Control

16 years ago
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The Simple Dollar provides the following 18 tips for reducing wedding costs. Avoid guest list bloat. Ask for wedding help instead of wedding gifts. Have the ceremony at home, or outdoors. Do the catering yourself, or hire a family-owned restaurant. Go minimal with the flowers. Choose very personal [...]

Hedging gasoline/heating oil/natural gas prices

16 years ago
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With the recession now in full swing commodity prices have been coming down dramatically as demand drops.  While $4 gas is still fresh in your mind you may want to consider the following simple hedging strategy to protect yourself from the inevitable upswing in prices once the recession ends. Let’s [...]

Mozy Online Backup

16 years ago
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It has been a few years since I talked about online backup and a break from economic news is probably not a bad thing. An online backup service should have the following features. Require minimal care and feeding. If you have to pay attention to it, it wont happen. Keep previous versions of files [...]

Determining Expected Return from Stocks

16 years ago
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Whenever fear levels are high, I find it comforting to go over the fundamentals of investing.  Today I am revisiting how you should set your exptations for long term returns from equities. Equity returns come from the following sources Dividends Earnings growth Price/Earnings ratio expansion or [...]
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