Today, in this low-interest environment, it’s ever more critical to find ways to make your money work for you. It’s a sign of the times: some of the traditional and historically safest ways to stash your cash are not as attractive as they have been in the past. Luckily, there are other ways to make your money […]
Personal Finance
Income Percentile by State Calculator for 2019
On this page is a 2019 income percentile by state calculator for the United States, for either individual income or household income. Enter pre-tax income earned between January and December 2018 and select a state and income type to compare an income percentile. You can also choose multiple comparison states for your state income percentile […]
Average, Median, Top 1%, and all United States Individual Income Percentiles in 2019
On this page I estimate United States Individual Income Brackets for 2019. I also calculate the average, median, and top 1% of individual incomes in the United States. Individual incomes here are limited to Americans who worked (or wanted to work) in 2018. Incomes are earned between January and December 2018. Alternatively, compare incomes in […]
2019 Household Income Percentile Calculator for the United States
On this page is a household income percentile calculator for the United States for 2019. Enter pre-tax (gross) household income earned between January and December 2018 to compare to household income percentiles in the full year. You can find the methodology in the United States average income, median income, and income percentile post. Afterwards, visit the […]
Why Did the Fed Lower Interest Rates?
Back on Wednesday, July 31st, 2019, the Federal Reserve lowered the federal funds rate for the first time in eleven years. In future articles, I will discuss why I find this move and its timing peculiar. For now though, I wanted to lay out some short-term implications and how I think this impacts the economy. […]
FFMI Calculator (Fat-Free Mass Index)
On this page is a FFMI Calculator. FFMI, or Fat Free Mass Index, factors in a person’s body fat percentage, height, and weight to arrive at a lean mass ratio. Using that number you can compare your relative muscularity versus benchmarks for large populations of men and women. Fat Free Mass Index Calculator What is […]
When are Savings Account Balances Highest and Lowest?
In this post, we’ll look at savings account balance by week in the United States. We examine which weeks balances are highest and lowest, and model savings and spending in the United States. When are Savings Account Balances Lowest? The lowest balance week in our dataset was the first week of the year in January, […]
Inflation and Dividend Adjusted S&P 500 On July 19, 2019
I won’t bury the lede: the all time closing high on the S&P 500, adjusted for inflation and reinvested dividends, was on July 15, 2019. Friday’s close (July 19, 2019) was a mere 1.23% below that peak . The S&P 500 Through July 2019 After Christmas Eve 2018 we talked about how the S&P 500 […]
Closed End Fund Total Return Calculator: What would your investment be worth?
On this page is a Closed End Fund return calculator which can automatically compute reinvested dividends. Enter a starting amount and investment dates to estimate the growth of a closed end fund investment. Also, model periodic investments in a CEF by year, month, week, or day. There are over 500 closed end funds in our […]
Inflation Expectations in June, 2019
Don’t look now – inflation expectations are getting interesting again. Last year, inflation expectations as measured by the difference between inflation adjusted securities – TIPS – and nominal treasuries floated around 2-2.15% for 5-30 years. As of today, those time-frames predict 1.61% annually over the next 5 years and only up to 1.81% over the […]