Observations

A personal finance blog that provides historical perspective, emphasizes strategic planning, and uses graphs & spreadsheets to show how financial things work.

Pages

  • *Stock Market*
  • *Retirement, Housing, Strategic Planning*
  • *100-Year History Posts*
  • *100+ Graphs*
  • **HOME**

  • *Top 10 Posts*
  • *Featured & Recent Posts*
  • *Bonds, Inflation, Basics*
  • *Full Subject Index*
  • *1st Time Here?/FAQ*

*Full Subject Index*


TABLE OF CONTENTS
(click on desired link for links to the individual posts)

INVESTING POSTS
  • BONDS & INFLATION, INVESTING-GENERAL
    • Bonds
    • Inflation, Investing-General
  • STOCK MARKET HISTORY/ANALYSIS
    • Bull Markets, Bear Markets and Crashes
    • Closing Price History
    • Earnings, Dividends and Their Growth Rates
    • Valuation: Price/Earnings (p/e), Price/Dividend (p/d) Ratio & Dividend Yield History
    • Rates of Return (historical)
    • The Impact of Valuation (e.g. p/e) on Rates of Return
    • Retirement planning perspective on returns
  • FORECASTS
    • Projection Model
    • Potential Support Levels
    • Worst-case scenarios
  • OTHER/OPINION
PLANNING POSTS
  • PERSONAL STRATEGIC PLANNING
  • HOUSING
  • RETIREMENT PLANNING

(Note: The remainder of the index is still under construction. For now, the links will show the "short feed" for all posts in that category. Then, click on the post header, or "read more" to see full post.)

    SPREADSHEETS & CALCULATORS
    TECHNOLOGY, SPORTS AND OTHER STUFF
    • TECHNOLOGY (ANDROID / PC)
    • HOUSTON TEXANS/NFL
    • HOUSTON ROCKETS/NBA
    • POTPOURRI
    ADDITIONAL SITE NAVIGATION AIDS
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    Pick of the Week

    Pick of the Week
    Creating a Mini Strategic Plan

    Most Popular Posts (Top 10)

    • 100-Year Housing Price Index History
      (Last updated November, 2020) This post illustrates the increase in U.S. housing prices since 1900. However, considering price alone is a m...
    • How Much Will You Receive in Social Security Income?
      (Last updated December 2020) Social Security is a key component of most people's retirement plan. Here's a quick estimate of the re...
    • Inflation Calculator: Convert Dollars from 19xx to Now
      Last updated Sept. 2020 Convert Dollars From One Year to  Equivalent Dollars in Another Year Calculate Inflation Rates Between Two Years ...
    • What Will $1 be Worth in the Future? (calculator)
      This calculator: Converts current prices to equivalent prices any number of years in the future Compares purchasing power today to purc...
    • How Much Will Your Bond/CD be Worth in N Years? (calculator)
      This Calculator Computes the Future Value of Your Bond/CD for Any Amount, Number of Years, and Interest Rate Enter data only in the color...
    • 100 Years of Inflation-Adjusted Housing Price History
      (Last updated November, 2020) Since owning a home is often a decades-long commitment, it is important that we include inflation in our housi...
    • Average Stock Market Return Since 19xx
      Stock Market Long-Term Average Annual Rate of Return (e.g., since 1929; past 1, 5, 10, 20 ... years.) What is the long-term perfor...
    • 100 Years of Stock Market History (log graph)
      (Last updated October 2020) In times of turmoil, such as during the 2008 financial crisis, I look for one of those big charts with an arrow ...
    • The Decrease in Purchasing Power of the U.S. Dollar Since 1900
      (Last updated November, 2020) The declining value of the dollar  is one of the biggest threats to retirees, and near retirees. This post ex...
    • 100 Years of Treasury Bond Interest Rate History
      Investors expecting bond funds to perform as well in the next 10 years as they have in the last 10 will be disappointed. Bonds can play an ...
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    RECENTLY POPULAR POSTS FOLLOW

    by category

    Stock Market Posts

    • How Much Would $1 Invested in the Stock Market be Worth Now?
    • 100 Years of Stock Market History (log graph)
    • The Best & Worst 10-Year Returns (Rolling Returns)
    • 100 Years of Inflation-Adjusted Stock Market HIstory
    • Dow P/E (Price/Earnings) Ratios Since 1929
    • Stock Market Annual Performance since 1929 (bar chart)
    • The Best & Worst 20-Year Returns (Rolling Returns)
    • Range of Market Returns for 1, 2, ... 100 Years
    • Dow Price/Dividend Ratio & Dividend Yield History
    • The 25 Best & Worst Years in Stock Market History
    • The Extraordinary Impact of P/E Ratios
    • Starting P/E Ratio vs. 10-Year Stock Market Returns
    • The Make-up of 10 Year Stock Market Returns
    • Earnings & Dividends Determine Long-Term Stock Returns
    • Range of Stock Market Returns in Dollars: 10-100 Years

    Retirement Posts

    • My Back-of-the-Envelope Retirement Savings Calculator
    • How Much Money Will You Need To Retire?
    • How Much Will You Receive in Social Security Income?
    • Life Expectancy: How Long Will You Live?
    • Start Investing When You Are Young!
    • What Will a $10,000 Investment be Worth in 20 Years?
    • What Will a $10,000 Investment be Worth in 10 Years? (stocks)
    • How Much Should You Have in Retirement Savings? w/o SS
    • How Much Should You Have in Savings? by age, w soc sec, ave inc
    • Create Your Own Pension Using Annuities

    Bonds, Inflation & General-Investing Posts

    • What Would $10,000 in 19xx be Equivalent to Today?
    • What Will My Bond/CD be Worth in 10 Years?
    • 100 Years of Inflation Rate History
    • Inflation Calculator: Convert Dollars from 19xx to Now
    • What Will $1 be Worth in the Future? (calculator)
    • Yield to Maturity & Interest Rate Risk
    • The Observations Inflation Spreadsheet
    • What Will My Bond/CD be Worth in 5 Years?
    • 10-Year Treasury Note Real Return History
    • What Will Your Bond/CD be Worth in N Years? calculator

    Housing Posts

    • 100-Year Housing Price Index History
    • Planning to Buy a House Calculator
    • The Risks & Disadvantages of Buying a House
    • 100 Years of Inflation-Adjusted Housing Price History
    • Housing vs. Stock Market Growth Revisited

    Strategic Planning Posts

    • Do You Need a Personal 5-Year Strategic Plan?
    • An Example of a Personal Strategic Plan
    • Strengths, Weaknesses, Opportunities & Threats
    • A Career Planning Approach

    Recent Posts

    • Do All Black Lives Matter?
    • I'm Back!
    • What Will $1 be Worth in the Future? (calculator)
    • What Will Your Bond/CD be Worth in N Years? calculator
    • How Much Will You Receive in Social Security Benefits?
    • Convert Dollars from 19xx to Now (calculator)
    • What Will $100 be Worth in 10-20 Years?
    • How Much Money Will You Need to Retire?
    • How Much Should You Have in Savings?
    • What Percent of Your Salary Should You Save? (by starting age)

    Search by Label (category)

    Stock Market (see index below) Retirement Planning Spreadsheets/Calculators Investing - General Bonds Potpourri Housing Strategic Planning Houston Texans/NFL Projections/Forecasts Opinion Economy/Financial Crisis Houston Rockets/NBA Technology (Android/PC) Site Navigation Aids

    Stock Market Subject Index

    BONDS & BASICS (including inflation)
    HISTORY/ANALYSIS
    ...Bull & Bear Markets, Crashes
    ...Closing Prices
    ...Earnings, Dividends & Their Growth Rates
    ...Valuation: P/E Ratio & Dividend Yield Hisotyr
    ...Rates of Return, ROI
    ...Impact of Valuation (e.g., p/e) on Returns
    FORECASTS
    ...Projection Model
    ...Support Levels
    ...Worst-Case Scenarios

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