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How does war affect the U.S. stock market? – The Cozy Nest Egg Podcast
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Money Sitting In The Bank? Consider Treasuries
Do you have a sizable amount of cash sitting in the bank earning almost nothing in interest? This could include your emergency fund, which may in some cases be as large as 12 months’ worth of expenses, though most of the time only 3 months’ worth needs to be immediately available. This could also include…
Tables of S&P 500 Rolling Total Returns
1-Year Returns Starting Year Annualized Return Annualized Inflation-Adjusted Return 1871 15.6% 13.9% 1872 11.2% 8.7% 1873 -2.5% 2.0% 1874 4.7% 12.5% 1875 5.4% 11.8% 1876 -14.2% -14.9% 1877 -1.3% 16.9% 1878 16.3% 29.6% 1879 49.4% 23.8% 1880 26.7% 34.4% 1881 0.3% -7.2% 1882 3.6% 5.6% 1883 -5.5% 2.3% 1884 -12.4% -2.3% 1885 29.9% 34.6% 1886…

Beware Of Financial Analyst Location Bias
You may be aware of home bias when it comes to investing, which is the tendency to oversaturate a portfolio with investments from your home country at the expense of international exposure. However, have you ever considered the biases of financial analysts, whose job it is to make stock recommendations (from buy to sell) and…

No, 36% Of Americans Earning Over $250,000 Are Not Living Paycheck To Paycheck Because Of Inflation
There were a number of articles going around this week about a survey from PYMNTS in collaboration with LendingClub which found that 36% of Americans who earn over $250,000 per year reported living paycheck to paycheck in April 2022. You can download the report for free here. This was a shocking finding for many people…

Why Do Fewer Independents Own Stocks Than Democrats and Republicans?
I was recently looking up statistics on stock ownership broken down by subgroup (income level, education, age, race/ethnicity, gender, and political party affiliation), and I was surprised to discover that while around 60% of both Democrats and Republicans own stocks (61% and 65%, respectively), only 53% of Independents invest in the stock market. This is…

Stocks: Answers To Common Questions
What is a stock? A stock is a financial instrument, or monetary contract, denoting partial ownership of a corporation. A unit of stock is called a share. A company issues shares when it divides ownership among investors or employees. Both public and private companies may issue shares, but they are traded and valued differently. The…

6 Money Lessons From Hataraku Maou-sama! (The Devil is a Part-Timer!)
Watching anime is one pastime I enjoy. I even have a website where I’ve posted nearly 4,000 funny screenshots from anime TV shows and movies that I have watched over the years. But just because you do something for fun, doesn’t mean you can’t learn something from it. While I was re-watching Hataraku Maou-sama! (known…

How Does War Affect The U.S. Stock Market?
With the outbreak of war in Ukraine, my heart goes out to all the Ukrainians and their relatives and friends around the world. War is a terrible thing, and the needless suffering of innocent people is heartbreaking. That said, during tumultuous times, people often wonder how their personal finances may be affected. This may seem…

Cheaper Groceries? Depends What and Where You’re Buying: Grocery Store Price Changes from June to November 2021 in State College, PA
Inflation has been a big topic of late, as everyone has watched prices rise in recent months. Indeed, the Consumer Price Index (CPI), a measure of inflation tracked by the U.S. Bureau of Labor Statistics (BLS), has risen 6.2% over the past year (ending in October 2021), the largest 12-month increase since 1990. However, this…

Be Wary about Job Scams that Promise You Quick Ways to Wealth
The COVID-19 pandemic has triggered the highest unemployment rate (14.8% in April 2020) since the Great Recession. Millions were out of jobs and struggled to make ends meet. As states eased restrictions and began to reopen, the economy has geared up to return to the pre-pandemic normal. More than a year has passed since then,…

How I Spent No More than 10 Bucks on a Boden Jumper
I recently bought a Boden sweater for less than $10. No, I did not find my bargain at a local goodwill or thrift store; in fact, I bought a brand new sweater shipped directly from Boden. Even though I cannot guarantee the strategies stated below are going to land you the same deal, they can…

How to Use Cashback Monitor to Maximize Your Savings
The coronavirus pandemic has made us more reliant on online shopping than ever. According to the latest Digital Commerce 360 analysis, consumers in the U.S. spent $861.12 billion online in 2020, up 44% from $598.02 billion in 2019. Statewide lockdowns and fear of contracting the virus deterred consumers from visiting brick-and-mortar stores, resulting in the…
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