We here at DQYDJ have recently been sharing some of our insights into our own personal finances – you can thank tax season for that. Recently, I covered our current asset allocation and Cameron his. Today, taxes in hand, I tallied up my savings rate for last year. In 2017, our net saving rate (dollar […]
Every year – usually, conveniently, around tax time – we like to evaluate the total picture of our personal finances. DQYDJ is (at least occasionally) a personal finance web site, so that usually means an asset allocation post and a savings rate post. Today, I’ll share our broad asset allocation snapshot. If it helps with […]
On this page is a Graham Number Calculator which can auto-populate and lookup financial information for over 2,000 American Stocks. While the calculator can be used alone to estimate a stock’s fundamental value with Benjamin Graham’s Formula, we also incorporate data from Sharadar (via Quandl) to populate annual financial data for earnings and book price. […]
On this page is a present value calculator, a term often abbreviated as PV. When dealing with future dollar amounts, a present value is an estimate of the current sum needed to equal some target amount when accounting for various risks. Future quantities deal with both inflationary (or deflationary) pressures, opportunity costs, and other risks […]
Subtitle: Until You Read This Article.
I’m not one for hyperbole… I’m more of a “here’s the data, deal with it” person, but I’ll make a vast blanket statement for you today. You see, you may not care too much either way about the whole ‘fiscal cliff’ scenario, where an expiration of the so-called ‘Bush Tax Cuts’ of 2001 and 2003 would reset to their previous levels. Perhaps you make under $200,000 as a single or $250,000 as a couple, so if the cuts expire and President Obama extends them in a second term you wouldn’t worry too much. Fine – I won’t spend this article discussing what the appropriate level of taxation is for the many strata of incomes earned in this country. However, I do want to draw your attention to the insidious effect of rolling back the 2001/3 cuts – namely, how the code characterizes dividends.
“Oh, I don’t invest in stocks. They’re too risky” said a young (urban) professional friend of mine. Five minutes later he was reconsidering that statement, and you’ll be happy to know he’s now the proud owner of some stock (well, at least some stock mutual funds).