Why a double dip recession is likely our best outcome—and what else is lurking out there that’s better and worse How do we know the market has peaked? Is it still safe to buy gold? During the financial literacy section of the call, Rinaldo and Howard discussed the concept of Yield to Maturity (YTM), which allows us to compare the returns of bonds with different durations and different coupon yields regardless of whether the bond is sold at a discount, at a premium, or at “par.”