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  1. Simon Sinek presents a simple but powerful model for how leaders inspire action, starting with a golden circle and the question "Why?" His examples include Apple, Martin Luther King, and the Wright brothers -- and as a counterpoint Tivo, which (until a recent court victory that tripled its stock price) appeared to be struggling.

    - Thank to Courtney W. for bringing this video to my attention

  2. I created a rule of thumb for retirement called the F.T.I., or "F&*% This Index" -- once it's over 1000, you can tell your boss "F&*% This" and retire. :-)

    main-qimg-20d9f764364127b1cc26fbe79594ebfb.png

    It's your age times your net worth, divided by your yearly expenses. If you're married, you'd want to average your age with your spouse's age, and you'd want to subtract any known future expenditures from your net worth (most likely example would be college educations for your kids). Yearly expenses shouldn't include taxes or investment spending that you do, either.

    So if you are currently 50 and your yearly expenses are $50k, then 50*N.W. / $50k > 1000 when your net worth is just $1,000,000. If you're 30 and your yearly expenses are $60k, then 30*N.W./$60k > 1000 when your net worth is $2,000,000. If you're 40 and your yearly expenses are $120k, then you need $3,000,000.

    It's just a rule of thumb; you'd want to pay closer attention to the details when you're actually making the decision whether or not to quit your job. It also assumes that you plan to spend your wealth down to nothing (or close to it) by the time you die; you wouldn't be planning to leave an estate to your heirs.

    https://www.quora.com/How-many-millions-do-you-need-in-order-for-it-to-be-sustainable-to-quit-your-job/answer/Doug-Massey

  3. Michael Krewson
    Latest Entry

    Here I am railing on about "MORE" stuff.... and today I became an Amazon Prime member. Ugh...

    I am so impressed at the time it now affords me to NOT have to walk through mega stores searching for small items.

    Here is what I have ordered so far today:

     

    Some soap they won't let me link to.... who knows why?

     

    and this

     

     

     

    I avoided a trip to about 3 stores for all this.... Love it...

     

  4. Put together the bible canon, came up with the name Jehovah. Spread the basic Christian message across the globe. Got rid of all the false gods of the Roman empire and gods of other nations As well. When you consider they did this without God to help them along through divine direction all these centuries. I think they did a pretty good job. So tell me again why God hates Christendom so much?

  5. Before understanding the different types of mutual funds and ETFs, you need to understand market cap. Market capitalization is a quick way of determining how large a company is.
    To calculate market cap, take the share price and multiply it by the number of shares outstanding (meaning shares that anyone can buy). This will give you a dollar amount, which is the company’s market cap.
    Here are the most common names you’ll see, as well as their corresponding market caps:

    • Large cap – $10-$100 billion
    • Mid cap – $2-$10 billion
    • Small cap – $250 million-$2 billion

    For example, let’s say Company A has a stock price of $10 and has 1 million shares outstanding. Their market cap would be:

    • $10 x 100,000,000 shares = $1,000,000,000

    So Company A has a market cap of $1 billion. According to the list above, this would make them a small-cap company.
    Mutual funds and ETFs will often categorize themselves by the size of companies that they invest in. For example, a large-cap ETF will hold stock in only large-cap companies.
    There are a few other types of market caps you may see, but not as often.

    They are: mega cap (> $100 billion), micro cap (< $250 million), and nano cap (usually <$50 million).

    Ideal asset allocation (and how to choose)

    One thing to consider is your own personal level of risk tolerance. Everyone’s asset allocation for stocks is going to be different based on the level of risk that they’re willing to take on.

    Here is the mix that I am currently investing with equities:

    Ticker ETF Name Indicative
    Value
    Ticker
    Equal Weight
    30% RSP Guggenheim S&P 500® Equal Weight ETF RSP.IV
         
    10% EWEM Guggenheim MSCI Emerging Markets Equal Country Weight ETF EWEM.IV
    30% EWMC Guggenheim S&P MidCap 400® Equal Weight ETF EWMC.IV
    30% EWSC Guggenheim S&P SmallCap 600® Equal Weight ETF EWSC.IV

     

    It’s important to know the difference between ETFs and mutual funds, as well as their strategies, before investing. Also, understanding market capitalization is crucial before choosing your own investment strategy.
    You will also want to make sure you’re comfortable with your asset allocation so you’re not too heavily weighted in one asset class. This will help you keep a well-balanced and diversified portfolio.

     

  6.  

    This patented Intralox technology is capable of high-rate rejecting, merging, pass through applications, and selective diverting. This technology is the winner of the MHI 2014 Best New Innovation Award.

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    Recent Entries

    Its common to asked by someone "Have you eaten balut? Do you want to taste later?" It so easy to be tempted and eat later on. Because its hard to explain them scriptural principles regarding our basis for not eating fertilized duck egg. 

    Its important to let them know you are one of Jehovah's Witnesses. Their reaction? They might already know we don't eat or agree with blood transfusions. If they ask "why", you can remember Paul's word in Acts 15:29. He knows good health means to abstain in blood. You can show them fascinating scriptural basis of our belief. You can ask them to eat barbeque or cracklings instead. 

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