ThxBud vs CAPEDashboard

Ever noticed what you say when settling up with friends? "Thanks, bud!" That's what ThxBud is all about. Split bills with friends — effortlessly. No more awkward money talks, no more mental math, no more "I'll get you back later" that never happens. SNAPSPLIT — SCAN & SPLIT Point your camera at any receipt. AI detects every item. Your buds claim what they ordered. The math does itself. ZERO OUT — ONE TAP, ALL SETTLED Debts piling up in a group? Zero Out calculates the fewest payments needed and settles everyone up in one tap. SPLIT YOUR WAY Split equally, by custom amounts, or by percentage — whatever works for your group. ALWAYS KNOW WHERE YOU STAND Real-time balances with every bud. See exactly who owes what at a glance, and settle up with a tap. TRACK EVERY CENT From dinners to road trips to shared subscriptions — keep a clear record of every expense. No more guessing or forgotten IOUs. HOW IT WORKS 1. Add your buds 2. Snap a receipt or create an expense 3. Claim items or choose how to split 4. Track balances and settle up ThxBud — split smarter, not harder. Terms of Use: https://thxbud.refactory.co.za/terms Privacy Policy: https://thxbud.refactory.co.za/privacy

CAPE Dashboard puts four time-tested stock market valuation metrics at your fingertips, with historical data stretching back to 1871. How expensive is the stock market right now? Instead of guessing, check the data. CAPE Dashboard computes four complementary valuation indicators and shows where today's reading falls in over 150 years of market history. THE METRICS CAPE Ratio (Shiller P/E) — Developed by Nobel laureate Robert Shiller, the Cyclically Adjusted Price-to-Earnings ratio divides the S&P 500 by ten years of inflation-adjusted earnings. It smooths out short-term earnings swings and is one of the most widely cited long-term valuation measures. Trailing P/E — The classic price-to-earnings ratio using the most recent 12 months of reported earnings. More responsive to current conditions than CAPE, but also more volatile. Dividend Yield — Annual dividends paid by S&P 500 companies divided by the index price. One of the oldest and most reliable long-term return predictors. Buffett Indicator — Warren Buffett called it "probably the best single measure of where valuations stand." It compares total US stock market capitalization to GDP. Powered by Federal Reserve (FRED) data. FEATURES Dashboard view with color-coded valuation bands for all four metrics Interactive historical charts for each metric — zoom from 10 years to the full 150+ year history Percentile rankings showing where today's values fall relative to all recorded history Key statistics: current value, historical median, mean, all-time highs and lows Educational content explaining each metric, what high and low readings mean, and important caveats Optional live price updates via Alpha Vantage (free API key, 25 requests/day) Home screen widgets (small and medium) for a quick glance at current valuations Dark mode support No account required — works immediately on launch DATA SOURCES Historical data derived from Robert Shiller's publicly available dataset (Yale University), updated monthly. Buffett Indicator computed from Wilshire 5000 and GDP data via the Federal Reserve Bank of St. Louis (FRED). Optional live S&P 500 estimates via Alpha Vantage. This app is for informational and educational purposes only. It is not financial advice. Past valuations do not predict future returns. Not affiliated with or endorsed by Yale University, Robert J. Shiller, Barclays, or the Federal Reserve.