John Miller

John Miller


John’s sensible advice on all matters related to personal finance will have you examining your own life and tweaking it to achieve your financial goals better.

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Topics of interest: News & updates from the Securities and Exchange Commission, Stock Markets, Bonds, Loans & more.

Dow Will Get Less Help from Apple After Stock Split

Dow Jones Industrial Average

The Dow Jones Industrial Average needs all the help in its losing battle to keep up with the other 2 major stock indexes. Things are about to get even more challenging. The Dow Jones Industrial Average, commonly known as just the Dow, is the grandfather of major stock indexes, going all the way back to […]

Senate Republicans Propose Budget Stimulus Bill

Stimulus bill

It just got a lot easier to understand how far apart the opposing stimulus views of the two parties are. Democrats want $3 trillion, while Republicans only want to spend a trillion. The first time around, back when the economy was placed in quarantine, it wasn’t so easy to get the Democrats and Republicans to […]

J.P. Morgan’s Chang Muses About New Financial Landscape

Joyce Chang of JP Morgan

2020 has been a year of extremes, between the pandemic, the lockdown, and the financial response. Joyce Chang of J.P. Morgan looks to prepare us for what’s coming next. There are all sorts of types of analysts in the financial world, and while most specialize in various types of investments, there are others which we […]

Commercial Mortgage Backed Securities Defaults Spiking

Commercial Mortgage Backed Securities

The Great Recession of 2008 is most famous for the massive default rate we saw with mortgage backed securities. Don’t look now, but this problem is back, and in a big way. While just about everyone who was around during the financial crisis before this one, an economic downturn severe enough to not just be […]

Renters on the Brink of a Tidal Wave of Evictions

Renters Evictions

While homeowners have benefited from mortgage deferral payments, deferring paying the rent is a different proposition altogether. Their rising rent bills need to be dealt with or else. As it stands, the month of July is a significant one on the path towards trying to recover from the ravages of our recent economic slowdown due […]

With Trump on the Ropes, It’s Time to Consider the Aftermath

Donald Trump

In spite of falling further and further behind in the polls, the betting action still gives Donald Trump a 40% chance of re-election. It’s much closer to zero in reality though. It would be reasonable to think that if you were running for re-election as President of the United States, Joe Biden might be your […]

Wells Fargo Flunks Stress Test, Abandons Dividend

Wells Fargo

Almost all of the banks that just took the Federal Reserve’s stress test are allowed to continue dividend payouts. Wells Fargo didn’t fare so well, and their dividend is in detention. Many companies live in fear of investors giving their stocks the big thumbs down if they even trim dividends, let alone cut them off. […]

Slavery Reparations Gain Traction in Face of Protests

Slavery Reparations

Calls for reparations to be paid to black residents of the U.S. have been going on for a while. Their voices have become a lot louder now, even though the substance remains incredible. There is no question that black people in America have gotten a very raw deal for a very long time, starting from […]

Nikola Inspiring Interesting Discussions about Short Selling

Nikola Motor Company

Truck maker Nikola’s IPO that launched on June 3 has been red hot, doubling in price already. The amount of short interest in it is causing concern for some people though. When people invest in an IPO, they often do with high expectations, perhaps remembering some famous ones that ended up being moon shots, the […]

Deutsche Bank Analyst Wary of Car Rental Comeback

Car Rental Stocks

Car rental stocks took a particularly big hit from our self-imposed quarantine, like all travel stocks did. They have started to come back, but some remain quite leery. While people rent cars for other reasons, such as when their car is being repaired, the great majority of rentals happen when people fly to a destination […]