Gummy-stuff

Peter Ponzo ("Pietro"), also known as "gummy"Pietro, that's me, viewed November 8, 2012., created a large number of tutorials after his retirement from the University of Waterloo. It is an honour to provide an archive of that body of work, which is known as "gummy-stuff", and comprises a total of 466 tutorials on a variety of financial and non-financial topics. This article provides links to those archived tutorials for greater ease of access. 
Peter Ponzo passed away peacefully on July 5, 2020.
== The tutorials ==
The tutorials table below contains all the original gummy'isms, i.e. spelling and grammar mistakes are gummy's.gummy's choices of colours and fonts have been removed to conform with Wiki standards. The table is presented in its original order. There is no intention to Wikify the actual tutorials. Have you looked at the HTML source? We have.
Tip: Your browser search function (press 
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gummy's original disclaimer still applies.
 
EVERYTHING ON THIS SITE [the gummy-stuff tutorials] MAY BE COPIED, CIRCULATED, DISTRIBUTED, IGNORED, RIDICULED, etc. without seeking my approval but please indicate the source (that's me)
 — Peter Ponzo, aka Gummy
Tutorial 	Comments
about these TUTORIALS 	Just some explanatory notes ...
the spreadsheets 	Where you can find them ...
Ichimoku 	Ichi-who?
Mortgages 	in Lower Slobbovia
MIRR 	That's IRR, fiddled.
IRR 	... revisited
from Open to High 	How High, eh?
Flight Levels 	Calculating altitude from air pressure
the Blake Ritual 	Price Persistence, eh?
Bit Torrent 	Huh?
Drops: Close to Open 	Then what?
Stock Tracking 	Watch prices changes
Darvas boxes 	... or gummy boxes?
Back to the Future 	Comparing to the past
Pillow Stock 	Put your $$ under a pillow (?)
Monthly Returns 	How'd they go?
Mutual Funds 	Canadian, eh?
OLED 	Organic LEDs
Milankovitch 	... and his cycles.
a Time Machine 	Huh?
VDX 	Remember this guy?
moving CAGR 	How they change, eh?
Earthquakes 	How to measure 'em
BIG gains? 	When were they?
Searching for stock patterns 	Find your favourite!
Stock down, then up, then ... 	... time to buy?
January predicts 	... maybe
Jensen's alpha 	Best (?) performers
Avatar 	... the movie
A stock screener 	... sorta
Computers 	What I larned
S&P500 	Average daily volume (?)
Fund Data 	Download interesting stuff
Investors ... 	... how do they think?
Stock Indexes 	yet another one (or two?)
Photons 	Huh?
Halloween 	Scary ... or what?
Irrationality 	... in decision-making
Lithium 	Huh?
Monthly returns 	Distributed ... how?
Central Limit Theorem 	A classy result!
Levy 	Another distribution.
a Coal Index 	Make your own Index
Guess! 	Guess the stock price.
Stocks & Ellipses 	Interesting containment, eh?
Correlation between 2 stocks 	Useful ... maybe?
Buying Strategies 	Invent your own!
Percentages 	Huh?
Gain-Loss Spread 	Another risk measure
Candlestick Combos 	Find 'em!
a coin flippin strategy 	Buy on Heads, Sell on Tails
Following the Trend 	a Buy & Sell ritual
Which Price to use? 	Open? Close? (1/3)Open + (2/3)Close?
Another candlestick 	a la Heikin-Ashi
Poker Odds 	Texas Hold'em, eh?
Standard Error(s) 	Trying to understand the K-Ratio
CORDIC stuff 	How do computers calculate?
some Calculators 	How long to double? Triple?
the High/Low Oscillator 	... fiddled.
a Quiz 	to see if'n you been listening.
Dividends 	... historical.
Musings 	(Brought on by old age?)
Exchange Rate 	... historical.
200-day MA 	Simplest Moving Average
Turtle Trading 	What is it?
DOW futures 	What are they?
Smile! 	Do volatilities smile?
Volatilities 	... for 30 stocks (or more).
Selling Calls 	Covered ... and out-of-the-money
Go to sleep 	... and wake up to a profit.
Financial meltdown 	... and what to buy?
Portfolio Evolution 	Random and Actual: compared
Missing the best days 	... or the worst
Buy & Sell 	Do it yourself calculations
Option things 	Necessary CAGR to make money?
Safe Withdrawal Rates 	Quick & Dirty
Stock Attractor 	regression line as a magnet
More on Correlations 	Correlation Babel ...
Market Musings 	a look at the past (and future?)
Candlesticks and Crashes 	Can you find a pattern?
Mkt Crashes 	... a la Sornette
gEMA Moving Average 	Another moving average ???
Monte Carlo 	... while you're investing
Gains & Losses 	The bestest and worstest.
the DOW vs the World 	Does the DOW influence world markets?
a Duffing oscillator 	Market waves ... and chaos.
Other Moving Averages 	There are jillions of 'em !!
Bonds? Stocks? 	Take your pick.
Predicting next month 	Is there a "best" predictor?
Path Volatility 	Different route, different volatility
the Chaikin Oscillator 	... and Volume Flows
India Stocks 	... an attempt to download from BSE or NSE.
ETFs 	... and their Net Asset Value
Wavelets 	Build a time series with wavelets
penny Stocks 	They can be fun!!
DSO 	Daily Stock Oscillation
Predicting Highs & Lows 	The search for "cousins"
DSA#2 	yet another Daily Stock Activity
Technical Analysis 	... a few TA things, charted.
Historically Compare 	... then predict the future.
ACB 	an Adjusted Cost Base calculator
Download 	Open, High, Low & Closing prices
ADX 	Average Directional Movement thing
CAGR & Drawdown 	Is there a relationship?
CAGR & Volatility 	Is there a relationship?
Correlations, correlations ... 	Which one to use?
DSA 	Daily Stock Activity (?)
Buy & Sell 	a Strategy that (sometimes) works
Volatility Pumping 	... to Beat the Market, eh?
Portfolio Contests 	This is great fun!
Rent? 	... or keep the house?
Risk, eh? 	What is this thing called "Risk"??
Drawdown 	It was worser in the past
Historical Comparison 	Does the present look like the past?
Rebalancing 	Yes or No?
Return on Investments 	IRR or XIRR or what?
a Modified Bollinger 	Bollinger Bands revisited
Money Management 	How much to Buy ... or Sell?
Donchian Channels 	Identifying UP- and DOWN-trends
the Ulcer Index 	An ulcer-generating risk measure
Market Crashes 	Can they be predicted?
Fed Rates 	... and the probability of a change
Expense Tracker 	... might be a handy spreadsheet (?)
Multiple Downloads 	Download a bunch of stock prices
the Stock and the Pillow 	What allocation Pillow?
gDOW 	another DOW Index
Black Swans 	Huh?
DMA 	Displaced Moving Average
Sectors 	a la Fidelity
Kalman filter 	linear estimation
Asset volatility 	Good or Bad?
Stock Talk 	Listen to stock info.
Contour plots 	courtesy of FundTalker
Return Data 	... to play with.
Backtesting 	A neato spreadsheet!
a bug? 	... in XIRR
Buy or Rent? 	Take your pick!
downsideBeta 	downside Who?
Regression stuff 	Can you trust historical data?
R-squared 	... and causal relationships.
Portfolio Tracker 	A simple tracker.
Sister Stocks 	Try to find 'em !
Correlations? 	between Prices or Returns?
ATP 	All Time Periods
Stock Charts 	Stock Charts: a collection
Drawdown 	... as a measure of risk.
Short Interest 	Pretty selling-short pictures
Stochastic Dominance 	What is it?
Serial Correlation 	... and Monte Carlo
Capital Gains & Dividends 	Tax considerations
Multiple download 	Make your own calculations!
Ito & Options 	What's a Call option worth ... in the future
Trade Log 	Keep track of your trades
g-Risk 	Another kind of "risk"
maxima 	... for tougher Math !!
eigenMath 	Let it do your Math !!
Your Portfolio 	... versus an Index.
Five year analysis 	Best days? Best months?
Correlations 	... between 30 stocks.
What Returns? 	There are SO many of 'em !
Net Present Value 	What is it?
Multiple Returns 	... and fictitious returns!
Toss 10,000 coins 	just to see what happens
Sortino Ratio 	versus Sharpe ratio
Trends 	and when they Ends
Loans 	and Newton's Method
Volatility 	and correlation with the Market
Buy in the Fall 	and Sell in the Spring
SAD 	worst months - by country
Canadian Returns 	and "safe" withdrawals.
Exchange Rates 	a spreadsheet.
Noise in stock returns 	How to measure it?
Stocks go Up & Down 	... but how often?
DCA 	... or all-at-once?
Predicting stock prices 	... using the Laplace distribution.
30 stocks 	Download and construct a portfolio
Buy & Sell signals 	... using candlesticks.
Monte Carlo 	Which returns to use?
TrafficLights 	When to Buy, Sell or Hold
Predicting Prices 	... and other stuff
Average Returns 	Do you trust 'em?
Average True Range 	... and a fiddled version
Moving Averages 	a spreadsheet to play with
Gann charts 	... or the Square of Nine
PCA 	Perfectly Confusing Anal... Principal Component Analysis
Risk, eh? 	What is it?
ODE 	a differential equation (?!)
Making Money 	(Just kidding!)
Market Down 	Probability of price decreases, eh?
Momentum 	An investment strategy (maybe)
MFI 	Money Flow Index
Velocity of Trades 	Moving to a price target (maybe)
Price Probabilities 	and related stuff
Pairs Trading 	The long and short of it
A.I.M. 	A Buy & Sell strategy
Linear Regression 	... for umpteen variables
Pivot Points 	and resistance and support levels
Time Weighted Returns 	What are they?
Covariances 	... a spreadsheet
an option problem 	What's the annualized return?
Black-Litterman 	a model for asset allocation
Yield stuff 	Buy this ... or that?
MC stuff 	Monte Carlo for a dozen stocks
very safe withdrawals 	... guaranteed!
YTD 	... and XIRR
DGIS 	Dividend Growth Investment Strategy
IRR 	... and NPV
Stock Splits 	Then what?
re-Ordering annual returns 	and then what?
Perfect Correlation 	How to get it, eh?
Spearman Rank Correlation 	again!
Copulas 	... more of 'em
Correlations 	and Copulas!
2 stocks 	and Monte Carlo
Raff regression 	to identify trends
Active or Passive 	Which Fund is better?
Sam retires 	... and plays with Monte Carlo
PV 	a Present Value problem
Coin tossing 	... and Reversion to the Mean
P&F charts 	Huh? Whazzat?
CEFs 	Closed End Funds
rMA 	Another moving average
Stock Data 	Download & Calculate
Returns formula 	Test your formula(s) !
PE Ratios 	and Bond Rates
Risk 	... and volatility
Candlesticks 	Fun stuff!!
Hikkake 	and candlestick
Risk 	≠ Standard Deviation !!
Deletions 	Deleting the best and worst days
Hurst exponent 	What is it?
Implied Volatility 	versus Historical
RS indicator 	... and other ratios
What's hot? 	and what's Not?
EMA 	... the magic formula (?)
Time Diversification 	What is it?
reBalancing 	... good or bad?
Aroon Indicator 	When is the stock gonna go up (or down)?
Templeton 	22 investment maxims
Doom & Gloom 	Is it justified?
options 	in the money
Volatility 	and the square-root-of-time
gRANK 	... revisited
Colouring 	... financial things
hedging 	to reduce volatility, eh?
Johnson curves 	... and probability distributions
regret 	What is it !&$%#@?
the Stutzer Index 	to rank a portfolio
YTD 	... and XIRR
Buy an annuity 	A good idea ... or not.
Deja vu 	... all over again
Coherent Risk 	What is it!
Maximum Withdrawals 	... more on this stuff
world's worst investor 	... that's ME!
E10-P stuff 	... more on this stuff
E10/P 	E10/P and Safe Withdrawal Rate(s)
TV stuff 	about them new fangled TVs
Seasonality 	Do prices depend upon the season?
Nobel Prize 	... for 2003
myPortfolio 	Well ... your portfolio
a Contest 	a Portfolio Contest spreadsheet
Weekly Stuff 	stock stuff, weekly
Options 	... and Volatility
Stock Stuff 	stock ... stuff
PreMarket 	... and predicting the opening price
Fat Tails 	... and how to get 'em
Parabolas 	fitting them to stock prices
Bonds 	... and Interest Rates
Returns and Volatility 	... the effect of volatility on CAGR
gRANK 	... revisited
Asset Correlation 	... and diversification
a Game 	Play the Efficient Frontier game
reSampling Efficiency 	reSampling the Efficient Frontier
Omega 	... a characteristic of distributions: Gain / Loss
Pensions 	... and Life Annuities
Liquidity 	Amivest Liquidity Ratio
Put Options 	What's the Break Even ?
XIRR 	XIRR and ROR stuff
Approximation 	approximation to Normal/Lognormal distributions
FOREX 	Trading in Foreign Exchanges
Monte Carlo 	Should we believe MC predictions?
forecasting 	An attempt at forecasting
GMS 	Geomagnetic Storms (and the markets)
sorta VA 	Variations on Value Averaging and DCA
SWR 	More on Safe Withdrawal Rates (!)
gDX 	Variations on a theme
Constant Returns 	When are they better?
Put/Call Ratios 	Do they predict market movement?
Bayes' Theorem 	... and (maybe) the Market
reordering 	What happens when you reorder returns?
Covariance 	... and Correlation and R-squared stuff
SWR 	"Safe" withdrawal rates (again)
FOREX 	Download Foreign Exchange Rates from Yahoo
Stock stuff 	Get a bunch of data on a stock
beta 	Don't trust it (?)
CAGR 	Annualized Returns.
VDX 	VDX ... and other stuff
Stocks and Bonds 	What's the meaning of a "best" mix?
EPS 	Forecasting EPS ... maybe
Another Distribution 	... with fatter tails
Zweig's Rule 	Zweig's 4% (and other) Rules
Return Distributions 	Generating Return Distributions
WWW 	A (wee) history of the World Wide Web
Future Prices 	Predicting future prices :^)
Wilshire 5K / GDP 	Yet another ratio to see if the market is overpriced.
Call Options 	Which to buy ?
Bernoulli 	Lift, on an airplane wing
download 	download a webpage to Excel
Bachelier 	the Father of Financial Stuff
to Mars 	launch an Explorer to Mars :^)
forecasting 	Predicting moving averages etc.
XIRR, not Dietz 	Don't do the Dietz!
DCA vs LumpSum 	DCA over 12 months, eh?
Williams %R 	Buy & Sell a la Williams
Beta 	Beta and the "Best line" fit to data
Spearman Correlation 	Looking for common trends
Bollinger 	About Bollinger Bands
Special Sum 	Volatility of the sum of n stock prices
gRANK 	Assorted PEG-type Ratios
Huh? 	How many trades to win?
Gold! 	Gold: is it cheeep?
RTM 	Reversion to the Mean (?)
Oktoberfest 	October ... again!
Another strategy 	A withdrawal strategy.
Buying for less 	Effect on your annual return.
Fractals 	Fascinating stuff!
XIRR 	Comments on calculating portfolio returns.
a Coverup? 	... interesting questions ...
Cointegration 	Identifying trends & stuff
Monte Carlo 	... random musings
a Small World 	... ain't it?
Relativity 	Einstein says ...
the DOW goes up (down) 	How often does the DOW go up N days-in-a-row?
Inflation 	incorporating inflation
Monte Carlo 	a simple-minded Monte Carlo spreadsheet
Cash in an Annuity 	Converting (some) annuity to a lump sum payment?
CPI 	Inflation and REAL returns
Bond Convexity 	Whatzzat?
Standard Deviation 	SD of Returns vs SD of Prices
Reordering Returns 	... then what?
SWRs 	Safe Withdrawal Rates (again!)
Portfolio 	Track your portfolio investments
Sharpe Ratio 	Maximize allocations a la Sharpe Ratio ... maybe!
Retiring? 	List your expenses
Safe Withdrawals 	This topic ... again!
Median Returns 	Calculate the median return (maybe)
Sam and Sally 	Die early ... and live it up!
VA 	More Value Averaging (!)
Ito Calculus 	Random stuff: stochastic processes, Brownian motion, Black-Scholes ...
Simple Download 	Download data
Derivatives 	What are they?
Withdrawals 	Max Rate of Withdrawal ... and Life Expectancy
Miscellany 	Some financial calculation rituals ...
Asset Allocation 	... and John Nash
Sector Rotation 	Is there a good strategy?
RESPs 	Education Saving Plans
Value at Risk 	Whatzzat?
Reincarnation 	A strategy to make a killing ...
Do the Dietz 	Modified Dietz Return calculations.
Asset Allocation 	The "best" mix ... maybe.
Stock/Bond ratio 	The "best" mix ... maybe.
PEG Ratios 	What do they mean?
Elliott Waves 	Ride the Waves !
Crashes 	Market Waves ... and crashes !
Waves 	Finding periodicity in stock prices ... or NOT
Kurtosis 	Skew and Kurtosis - whattzat?
Rebalance-when? 	Is there a best time?
Santa Claus 	Does St. Nick have a rally?
Kelly Ratio 	How much to invest in your next trade?
Moving Averages 	Find the best (maybe :^)
ODEs 	Differential Equations
Distribution 	Stock Returns ... Normal? Lognormal? What?
Stock Prices 	Distribution of Stock Prices (maybe)
Ratio Call Writing 	Write Calls, Buy the Stock
a Magic Sum 	It's magic, eh?
Approximations 	Approximations to portfolio evolution.
Coin tossing 	Toss a coin ... and get your return!
Return Predictor 	Using historical returns as predictors
Rebalancing Bonus 	The bonus in rebalancing (?)
Portfolio Blues 	DOWN she goes, UP she goes ...
Bond Calculators 	Play with a calculator or three
Allocations 	Play with (historical) allocations
Download data 	a neat way to get Yahoo data
Option stuff 	... just a comment or two ...
Monte, again 	Monte Carlo ... again!?
Bond Ladders 	What kind of financial equipment is it?
DCA and VA 	Dollar Cost and Value averaging
CAPM 	a Capital Asset Pricing Model
Dividend Discount 	What price, stock?
Asset Concentration 	Should you concentrate on one Asset Class?
Utility Theory 	Your personal optimization?
Option Strategies 	What's the probability of losing?
Life Expectancy 	... and Life Annuities
Latin Hypercube 	another method to sample returns
Stock Evolution 	the Binomial Distribution ... and stock growth
Black-Scholes 	the Black-Scholes option pricing formula
Risks & Rewards 	Another Risk / Reward Ratio
Risk/Reward Ratio(s) 	How many are there?
Try an annuity 	Should you buy an annuity?
Save for Retirement 	Part II ... it ain't easy !!
Maximum Withdrawals 	the Maximum Rate of Withdrawal is ... what?
Sensible Withdrawals 	Safer withdrawals ... and more Monte Carlo.
Asset Correlation 	Is correlation good or bad?
P/E & Bond Rates? 	Is the market over-priced?
Growth vs Value 	Optimal (golden) Ratios
Growth vs Value 	Slice and Dice ...
Bonds 	Some stuff on Bonds
another Frontier 	... to minimize Risk
Efficient Frontier 	... to minimize Volatility
Passive or Active MFs 	Take your pick!
Another distribution 	Take your pick!
Equal-weighted Indices 	Better or worser?
Monte Carlo simulation 	a spreadsheet by the Count of Monte Carlo
Normal/Lognormal 	Which is the better fit to market returns?
Random? 	Are the markets random?
Volume weighting 	include VOLUME in Moving Averages: ADX=>VDX
R-squared and Best Fit 	Covariance, Correlations and Beta.
Mutual Fund figures 	How does YOUR gain compare to the Mutual Fund - or The DARK SIDE of DCA
Rotation 	Rotating Portfolio components.
Life Expectancy 	Drop dead ... when?
a Strategy 	a Strategy to avoid big losses ... maybe.
Invest Early 	Start investing early ... for your retirement.
Bond Yields 	an Inverted Yield curve predicts a recession?
Re-Balancing 	Sell the good stuff to buy the bad.
the Rule of 72 	How long to double, triple?
Reversion/Regression 	Does Reversion to the Mean apply to the market?
P/E ratio 	What's P/E ... and how to get one for an Index?
Stocks & Bonds 	Is there a "best" mix?
Annualized Return 	How to calculate it.
Rate of Return 	How to calculate it accurately ... and Dietzly.
Mean, Annualized & SD 	What's the relation?
Average Gains 	Think "Annualized", not "Average".
a Random Walk 	What is it?
Save for Retirement? 	What fraction of your salary should you save?
Safe(?) Withdrawals 	You're retired: What's a Safe Withdrawal rate?
about Risk? 	Risk, Volatility and Standard Deviation.
What's RISK? 	Risk Measures ... or "A Mathematician's Folly"
a Break Even Strategy 	Trying to Break Even in the market :^)
Market Indexes 	How to calculate 'em.
Best and Worst Months 	The effect of missing the "best" or "worst" months? OR     Market Timing: good or evil?
Portfolio Growth/Decay 	How does your Portfolio grow: Constant & Random gains.
Value Averaging 	How does it compare to DCA: Dollar Cost Averaging?
Excel charting 	A spreadsheet: how I chart.
HTML Praxis 	Hyper Text Markup Language: The language of the Net.
HTML overview 	The language of the Net: a summary
Technical Analysis 	Investing ... by the charts.
Lessons in C 	What I larned about this $!@*&% computer language.
Years to Zero 	How long will your portfolio last? (the MATH)
Mortgages 	How much do you pay? (the MATH)
Life Annuities 	How much do you get? (Approximately!)
Volume-weighted Averaging 	The average price paid for a stock.
a Wave Theory 	Do stock prices have periodicity?
Adjusted Cost Base 	How to calculate this guy.
LIF Maxima 	How to calculate this guy.
Leveraging 	Borrow to invest? How much does it cost? (the MATH)
Bond Duration 	What is it?! (the MATH)
Invest inside or outside an RRSP	(the MATH)
Biotech Stock Valuation 	How much is a biotech stock worth?
Best Fit 	Fitting "the best" straight line to some data.
DCA Part 1 	Dollar Cost Averaging.
DCA Part 2 	Dollar Cost Averaging ... for masochists.
Geosynchronous satellites 	Where are they?
the DOW index 	How now?
Computers 	a (wee) History of Computers
the Mathies 	hardly a tutorial ... but wee bios of famous mathematicians.
Calculus 	a course.
about Call Options 	What I larned 'bout trading in Options.
Vedic math 	A fascinating way to do math
== Buying a CD ==
It's been several years since Gummy mailed the first gummy-stuff CD. Because the website has changed dramatically since then, he has had a few requests for the latest version, from previous buyers. Some fella said "he'd like to buy a CD when I'm finished". To which Gummy replied "I said I'd be finished when I drop dead ... but then, so would gummy-stuff."
 
Gummy's decided that the easiest way to provide the latest version of the site to interested parties is to have his friends at the Financial Wisdom Forum host an archive of the site. If you want the whole thing in compressed form, look at gummy-stuff zip file.
== Notes ==
== References ==
Category:Website archive
Category:Reference material