Stop Worrying About All Those Tech Layoffs…
The Big Picture
JANUARY 23, 2023
I wanted to drop a quick note about the endless spate of layoff announcements — and why you should (mostly) ignore them.
Five High Frequency Indicators for the Economy
Calculated Risk
AUGUST 1, 2022
Apple has discontinued "Apple mobility", and restaurant traffic is mostly back to normal. -- Airlines: Transportation Security Administration -- The TSA is providing daily travel numbers. This graph shows weekly turnstile entries since 2015. This data is as of July 31st. Click on graph for larger image.
Economy 
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Monthly NFPs Are Rounding Errors
The Big Picture
DECEMBER 8, 2023
That is a significant number to recall whenever people posit we either are in, or just were in, or are about to tumble into a recession. but most months, the specific number is more or less a rounding error. It was that 157.087 million people are employed full-time in the United States.1 This is not a popular opinion.
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Retail Lobby: “We Lied About Organized Theft”
The Big Picture
DECEMBER 11, 2023
There are many sources of “Shrinkage” of inventory, and while there is some debate as to the largest sources, they look something like this: Employee theft : It’s the number one source of shrinkage. (My My experience: it is often uinderreported by companies). for over a decade.”
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2023 Highlights – The Top 22 Nerd’s Eye View Blog Posts You Might Have Missed
Nerd's Eye View
DECEMBER 18, 2023
As 2023 comes to a close, I am once again so thankful to all of you, the ever-growing number of readers who continue to regularly visit this Nerd's Eye View Blog (and share the content with your friends and colleagues, which we greatly appreciate!). We recognize (and appreciate!)
Black Knight: Mortgage Delinquency Rate Decreased Slightly in August
Calculated Risk
SEPTEMBER 22, 2023
delinquency rate improved by 4 basis points in August and is nearly a full percentage point below its 2015-2019 same-month average • However, steady slowing in the annual rate of improvement -- from -40% in early 2022 to -0.8% month over month) foreclosure starts – equating to 6.8% in August compared to July and decreased 0.8% year-over-year.
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Five High Frequency Indicators for the Economy
Calculated Risk
JULY 25, 2022
Apple has discontinued "Apple mobility", and restaurant traffic is mostly back to normal. -- Airlines: Transportation Security Administration -- The TSA is providing daily travel numbers. This graph shows weekly turnstile entries since 2015. This data is as of July 24th. Click on graph for larger image.
Economy 246
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2022 Highlights — The Top 22 Nerd’s Eye View Blog Posts You Might Have Missed
Nerd's Eye View
DECEMBER 26, 2022
As 2022 comes to a close, I am once again so thankful to all of you, the ever-growing number of readers who continue to regularly visit this Nerd’s Eye View Blog (and share the content with your friends and colleagues, which we greatly appreciate!).
#FA Success Ep 367: When Being In Business With Your Spouse Doesn’t Work Out And You Have To Start Over, With Kimberly Enders
Nerd's Eye View
JANUARY 9, 2024
Kimberly is the Lead Financial Planner and Managing Partner of Enders Wealth Management, a hybrid advisory firm based in Sterling Heights, Michigan, that oversees $50M in assets under management for 85 client households.
Strategic Advisory Letter | 2015 Year-End Planning Checklist
Brown Advisory
NOVEMBER 12, 2015
Strategic Advisory Letter | 2015 Year-End Planning Checklist. Thu, 11/12/2015 - 11:10. As 2015 comes to a close, we remind our clients and friends of how important it is take time to review new tax rules, consider tax-saving opportunities and review investment and asset-protection plans before year’s end. Overview of 2015.
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Round Trip
The Big Picture
AUGUST 1, 2023
Some folks who are more familiar with the numbers than I have suggested it will not be pretty. January 24, 2015) The post Round Trip appeared first on The Big Picture. That was a crowded trade, and it has underperformed versus equities since.
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10 Quotes That Shaped My Investment Philosophy
The Big Picture
OCTOBER 2, 2023
Sturgeon’s law suggest 300,00 of them are not crap – and that number seems generous. In the United States, Between 500,000 to 1 million new books are published annually via traditional publishers and another 2 million plus get self-published. Now run the same exercise for Mutual funds, ETFs, Private Equity, Hedge Funds, Venture Capital, etc.
Investing 345
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Bitcoin Historical Annual Returns (10 Years, 5 Years, 3 Years, 1 Year)
Good Financial Cents
AUGUST 14, 2023
Here’s a look at Bitcoin’s annual returns from 2010 to 2022: Bitcoin 10-Year Return Chart Year Return (%) 2011 1,473 2012 186 2013 5,507 2014 -58 2015 35 2016 125 2017 1,331 2018 -73 2019 95 2020 301 2021 90 2022 -81.02 Initial Price Number of Bitcoins purchased Final Value 10 years (2013-2023) $13.30 2015 35 -10.67
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Your brain wants to think negative — don’t allow it
Million Dollar Round Table (MDRT)
JUNE 13, 2023
If I receive a call from a number I don’t recognize, I always answer with a big smile and say, ‘It’s a great day; this is Roger.’ In his 2015 MDRT Annual Meeting presentation , Shawn Achor recommended three effective habits to boost happiness: Think of three new things you’re grateful for every day. It’s about 50-50.
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This is Why Consumers are so Negative
Discipline Funds
MAY 28, 2024
And by 2015 Americans were spending just 45% of their income on these items. This is a huge number. It’s a number so big that it’s made standardized financial planning rules void of value. I think I know what’s going on here. In the year 1900 an American had to spend 80% of their income on just these items.
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Market Commentary: Up and Down Week Leaves the S&P 500 Near Flat
Carson Wealth
AUGUST 12, 2024
The late week rebound was supported by better economic data, including some good jobs-related numbers. In 2011 there was the US debt downgrade, and in 2015 China’s surprise devaluation of its currency. The current number remains consistent with the 2018-2019 average, despite a larger labor force now. What a Week What a week!
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Freedom + Control: Fueling The Independent RIA Movement
Advisor Perspectives
DECEMBER 1, 2023
Over 10,000 advisors became RIAs between 2015 and 2020 alone. As the numbers keep rising, so do the number of business models and technologies that help advisors build a practice exactly as they imagined. Ever wonder why?
Coasting Into Long Duration
Random Roger's Retirement Planning
FEBRUARY 29, 2024
Being able to sit in a name when it is lagging, like the blue bar in 2015 or the red bar in 2016, requires a lot of patience but that patience is more easily found when you think in terms of stocks being long duration assets regardless of whether 18 years is the right number or not. Additionally on this point.
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In a Tight Range
The Irrelevant Investor
DECEMBER 15, 2015
Looking at this minuscule number helps clarify what we already know, that so much of the day-to-day stuff on the screen and on TV is just noise. Anyway, for the purposes of this exercise, I am using YTD numbers. first rate hike since 2006, let's take a moment to review what type of year it's been for U.S. compared to the 7.6%
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A Billion Dollars isn’t Cool
The Irrelevant Investor
NOVEMBER 20, 2021
When The Wall Street Journal first published "The Billion Dollar Startup Club" in February 2015, 84 companies had the rare unicorn status. These numbers, which felt crazy at the time, seem quaint compared to today. Today there are 1,000 of 'em. A private company with a billion-dollar valuation used to be special. Now it's ordinary.
Math 52
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Back To The Factor Lab Again
Random Roger's Retirement Planning
JANUARY 22, 2023
Some fund had a very good year or even great and the 5 and 10 year numbers look very favorable compared to that fund's benchmark. If the outperformance from the one great year is strong enough, it will move the needle on all of the long term performance numbers. In 2015 it was up 8.93% versus 1.25 Do you see the flaw yet?
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[cdata[ The Impact of Inflation on American Birth Rates ]]
oXYGen Financial
JULY 28, 2024
In 2015, this number was $233,610, showing a significant increase in. ]] According to USDA data and BLS inflation statistics, raising a child in 2023 could cost an average of $331,933 from birth until the age of 18. This figure excludes college education costs if parents choose to contribute.
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Leverage For The Hell Of It?
Random Roger's Retirement Planning
AUGUST 5, 2023
The gross numbers aren't that far off but some of those drawdowns look like deathblows. Turns out there's a mutual fund version with symbol HCMDX with a track record back to 2015. I got a reply from @HMLCompounder who back tested 3X S&P to the cash index with the following result. Note, this is very much a theoretical conversation.
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India’s IPO Revolution: Bullish Boom or Bearish Backlash?
Trade Brains
DECEMBER 13, 2023
India’s IPO market has made a strong comeback this year, making it the global leader in the number of IPOs so far in 2023 and attracting investors to take advantage of the renewed interest in public offerings on Dalal Street. What do the numbers tell about IPOs? 2015 21 1.63 Is India experiencing an IPO boom? 2014 5 0.14
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How Long Will Inflation Stick with Us?
Walkner Condon Financial Advisors
SEPTEMBER 30, 2022
Core CPI is an attempt to strip out the most variable drivers of inflation (namely food and energy) from the base (or “headline”) CPI number, but the costs of food and energy can infiltrate into core CPI items such as apparel and household goods.
Surveying the Damage
The Irrelevant Investor
DECEMBER 20, 2018
Sticking with the S&P 500, the number of new lows has spiked, which happened near previous bottoms (Feb 2016, Aug 2015, Oct 2011). In somewhat surprising news the cheapest stocks, at least sorted by P/E, are getting hit the hardest. The washout in percent of stocks above the 200-day shows a similar picture.
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Twenty Years Of Blogging! Part 1
Random Roger's Retirement Planning
SEPTEMBER 30, 2024
The way that number went up though, I don't know if it was a real number or not. Another highlight was in 2015 (I think), right after the Fitbit IPO. There were articles that may have been written just by Seeking Alpha staff or friends of founder David Jackson.
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The Good the Bad and The Ugly of American Borrowers
The Irrelevant Investor
FEBRUARY 11, 2020
As of 2015, the home ownership rate of millennials between the ages of 25 and 34 was 37, approximately 8 percentage points lower than the homeowner ship rate of Gen Xers and baby boomers at the same age. It looks like people age 18-29 had the highest number of mortgage origination in dollar terms than any time since 2007.
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“Investable” or “investible”–which spelling is correct?
Investment Writing
APRIL 3, 2023
The SEC is a draw A search of the SEC website yielded an equal number of results for both spellings. Note: I updated this blog post in 2015 to delete an outdated reference to an inactive poll. This is consistent with the Google Books Ngram trend discussed above. I wonder if it uses both as key words for search purposes.
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Financial Market Round-Up – Apr’24
Truemind Capital
APRIL 19, 2024
However, unsatisfactory progress to the falling inflation trajectory in the latest numbers has dampened the hope of cutting the rates anytime soon. The inflation numbers released in April 2024 for March 2024 in the US & India are 3.5% (more than expected) and 4.85% (in line with the expectations) respectively.
A Spec of Sand on a Long Beach
The Irrelevant Investor
OCTOBER 10, 2016
According to Dimensional Funds, in 2015 the average number of daily global equity trades was 98.6 These numbers are so big that they become almost meaningless. million, or $447.3 billion a day. Jack Bogle estimates in Clash of the Financial Cultures that we spend $33 trillion on trading a year, or 220% of U.S.
The Single Greatest Error
The Irrelevant Investor
JANUARY 28, 2019
Consider some data points from Destined For War by Graham Allison In 2015, China replaced a 1,300 ton bridge in 43 hours In 2015, China was adding another billionaire a week China built 2.6 Even if we had the facts ahead of time, we wouldn't necessarily know how the market would respond.
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These Are the Goods
The Irrelevant Investor
FEBRUARY 1, 2020
With Patrick O'Shaughnessy and Chetan Puttagunta Life after football was gonna be finance With Toby Carlisle and Tim Kohn Books As the number of credit card holders grew, and as inflation imposed its relentless logic, people began to gain a new awareness of the implications that came with certain credit card actions.
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The Worst Stock in the World
The Irrelevant Investor
FEBRUARY 8, 2022
For the first time since 2015, Jack Dorsey won't be on the call. Here are a few numbers since Twitter came public in 2013: It closed at an all-time high just 15 times, or 0.7% Here are a few numbers since Twitter came public in 2013: It closed at an all-time high just 15 times, or 0.7% of all days. of all days.
Advertising 52
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Nifty 50 hits 20,000! Here are Shocking Nifty 50 Moments – From Terror Attacks to Demonetization!
Trade Brains
SEPTEMBER 12, 2023
Nifty 50 first hit 10,000 on July 26, 2017, and it took more than 21 years to double that number. For many people, 20,000 is not just a number; but happiness for many. The Ripple effect saw the market fall a number of times in 2008. Since then, India has come a long way in the last 30 years. on July 20, of this year.
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Do Covered Call Funds Threaten Everything We Hold Dear?
Random Roger's Retirement Planning
OCTOBER 10, 2023
It said that 60/40, the actual numbers, is an artificial construct, it's just made up. Bob's portfolio had very rough years in 2015 and 2018 and it did very well in 2017, 2019, 2021 and of course 2022. Of course many investors/advisors did not act preemptively but that is the nature of markets. The result versus just holding VBAIX.
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Investing in Pigs and Kidneys: Building a $100 Billion Empire and Revolutionizing Organ Transplants
Investing Caffeine
MARCH 25, 2025
The severity of the organ shortage problem is clear-cut if you examine the numbers. billion in 2015 to $4.7 To address the organ shortage, United Therapeutics recently made history last month when the FDA approved the first-ever clinical trial for its UKidney xenotransplantation procedure for kidney failure patients. billion in 2024.
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Bigger, Stronger and Luckier
The Irrelevant Investor
SEPTEMBER 6, 2016
Competition in investing has also intensified over the years as the number of mutual funds tripled since 1998. Active managers have had a tough time beating the index not because they lack skill, but because they're opponents have multiplied in number and in talent.
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Commanding Heights: Amazon, Microsoft Expand Profits in the Cloud
Brown Advisory
NOVEMBER 8, 2016
By 2020, the number of connected things will increase to 21 billion from 4.9 billion in 2015, according to Gartner. from 25% in the third quarter of 2015 in part because of its rapid pace of innovation, according to Amazon spokesman Darin Manney. Billion Connected “Things” Will Be in Use in 2016, Up 30 Percent From 2015.
Commanding Heights: Amazon, Microsoft Expand Profits in the Cloud
Brown Advisory
NOVEMBER 8, 2016
By 2020, the number of connected things will increase to 21 billion from 4.9 billion in 2015, according to Gartner. from 25% in the third quarter of 2015 in part because of its rapid pace of innovation, according to Amazon spokesman Darin Manney. Billion Connected “Things” Will Be in Use in 2016, Up 30 Percent From 2015.
Shrinking Slices, More Options, And Saying No
The Irrelevant Investor
JULY 25, 2016
That's the number of global funds launched between January 2005 and 2013. Just to be clear, that is not the number of funds in existence over that period, it's the number of brand new funds. In 2015, global fund flows reached approximately $516.4 Fifty-seven thousand, five hundred and twelve.
The Economics of Owning a Home
The Irrelevant Investor
FEBRUARY 2, 2019
We bought our apartment in December 2015 and in a few weeks we'll be moving out. The numbers below were normalized for a $10,000 down payment. I then compared this number to what it would have cost to rent an equivalent place in my neighborhood. We did not plan on leaving so soon, but hey, that's life.
Economics 52
52 
“I’ll Never Sell”
The Irrelevant Investor
JANUARY 31, 2020
For the 59th time since 2015, stocks fell more than 1.5% Think about the most you can stomach in terms of dollar losses, and then lower that number just to be safe. Once you have that number, then you can build yourself a portfolio so you never sell. The culprit this time was the Corona Virus.
Numbers 52
52 
Yes Bank’s turn around? From Struggle to Strength
Trade Brains
JUNE 14, 2024
After that Rana kapoor took incharge of Yes bank, being an ambitious man Rana kapoor wanted to make Yes bank the number 1 private bank in India. In 2015, UBS published a report stating Yes bank has lent around 125% of its net worth to stressed companies. Yes bank started aggressive lending to grow quickly.
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