☆°▪︎ THE VALLEYS BELOW (WHERE THE ECHOES GO) ▪︎°☆

Was

.

i

t

.

the

end

.

o

f

.

the

road . . .

.

.

.

 ~ the

end

.

o

f

.

the

road

with

nowhere

left

.

t

o

.

go . . .

.

.

.

o

r

was

.

i

t

.

the

brand

new

start

.

o

f

.

a

future

that

glimmered

.

a

n

d

.

glowed . . .

.

.

.

 ~ of

some

future

that

glimmered

.

a

n

d

.

glowed . . .

.

.

.

somewhere

beyond

.

t

h

e

.

raw

undergrowth . . .

.

.

.

 ~ somewhere

beyond

.

t

h

e

.

fast

.

a

n

d

.

slow . . .

.

.

.

 ~ somewhere

beyond

.

t

h

e

.

highs

.

a

n

d

.

lows . . .

.

.

.

 ~ somewhere

beyond

.

t

h

e

.

valleys

below

where

.

t

h

e

.

echoes

go . . .

.

.

.

 ~ beyond

.

t

h

e

.

valleys

where

.

t

h

e

.

echoes

go . . .

.

.

.

Well,

.

i

t

.

only

depends

.

o

n

.

the

vision

.

y

o

u

.

hold . . .

.

.

.

 ~ it

only

depends

.

o

n

.

the

seeds

.

y

o

u

.

sew . . .

.

.

.

a

n

d

what

.

y

o

u

.

believe

when

meeting

.

t

h

e

.

unknown . . .

.

.

.

 ~ what

.

y

o

u

.

believe

when

meeting

.

t

h

e

.

unknown . . .

.

.

.

even

though

there

.

a

r

e

.

those

who

will

say

this

.

i

s

.

this,

.

.

a

n

d

.

.

that

.

i

s

.

so . . .

.

.

.

 ~ this

.

i

s

.

this,

.

.

a

n

d

.

.

that

.

i

s

.

so . . .

.

.

.

because

such

.

i

s

.

what

they

think

they

know . . .

.

.

.

Such

.

i

s

.

what

they

think

they

know . . .

.

.

.

Such

.

i

s

.

what

they

think

they

know . . .

.

.

.

 ~ that

there’s

.

n

o

.

more

road . . .

.

.

.

a

n

d

that

there’s

nowhere

left

.

t

o

.

go . . .

.

.

.

 ~ there’s

nowhere

left

.

t

o

.

go . . .

.

.

.

only

because . . .

.

.

.

 ~ only

because . . .

.

.

.

such

.

i

s

.

what

they

think

they

know . . .

.

.

.

Was

.

i

t

.

the

end

.

o

f

.

the

road . . .

.

.

.

 ~ the

end

.

o

f

.

the

road

.

w

i

t

h

.

nowhere

left

.

t

o

.

go . . .

.

.

.

o

r

was

.

i

t

.

the

brand

new

start

.

o

f

.

a

future

that

glimmered

.

a

n

d

.

glowed . . .

.

.

.

Well,

.

i

t

.

only

depends

.

o

n

.

the

vision

.

y

o

u

.

hold . . .

.

.

.

 ~ it

.

o

n

l

y

.

depends

.

o

n

.

the

seeds

.

y

o

u

.

sew,

.

.

a

n

d

.

.

what

.

y

o

u

.

believe

when

meeting

.

t

h

e

.

unknown.

Reflection: This was an inspiration/hope-themed poem I wrote back in February of 2021 about how important perceptions and beliefs are with respect to the life one ends up creating and experiencing. I played the song “Wild Time (Rough Trade Session)” by Weyes Blood repeatedly on low volume to create the “moodset” for the poem. If you listen to the song at low volume while reading this poem, you might better get the “feel” of it.

TWO BIG INVESTMENT CONCERNS RIGHT NOW: RISING BOND RATES AND RISING INFLATION

One of my two biggest concerns in the stock market over the near-term (and beyond) involve the rapidly rising yields in the bond market (and declining bond prices since bond prices move opposite yields) resulting in substantial losses in what are traditionally “safe haven” low-risk investments. The days of using bonds and bond ETFs as “save havens” might be over. I wrote about all of that here: https://brighterdayslifecoaching.com/storm-clouds-on-the-horizon-the-bond-markets-and-the-low-risk-safe-haven-facade/

The second big concern for me is the risk of a policy mistake by the Fed regarding inflation. The Fed might be using an outdated “play book” in that they plan to allow inflation to run “hot” and consider any near-term inflation to be temporary and transitory in nature (https://finance.yahoo.com/news/fed-attempts-to-get-ahead-of-inflation-by-talking-down-transitory-effects-172650392.html). In fact, two inflationary components which are typically ignored by the Fed when assessing inflationary pressure (food and fuel costs) are rising substantially (https://finance.yahoo.com/news/high-food-prices-struggling-americans-211552448.html and https://finance.yahoo.com/news/gas-prices-spike-us-inflation-142654810.html)

What the Fed seems to be underappreciating is that this monetary policy body has historically been late in addressing inflation which can result in runaway inflation. Because, historically, once inflation takes hold, it becomes very difficult to get under control. So, my primary concerns on the inflationary front are the Fed’s underappreciation and downplaying of inflationary indicators and overconfidence in their tools and abilities to fight this once it takes hold.

You can learn about all of my investing techniques via my “Invest Like a Pro in 10 Minutes a Day!” series of 4 books where you can learn the “end to end” process to investing and gain key investing insights and skills (https://brighterdayslifecoaching.com/published-books…/).

Also, you can read all about my stock market activities here: https://brighterdayslifecoaching.com/stock-market-activities/

I wish you much success in creating a brighter financial future for yourself, your loved ones, and those who follow.

Stay safe out there.

#finance #stocks #investing #stockmarket #success

☆°▪︎ ECHOES OF HOME (THE LONESOME ROAD) ▪︎°☆

Snow

.

f

a

l

l

s

.

slow

.

upon

.

t

h

e

.

snow,

upon

.

t

h

e

.

cold . . .

.

.

.

a

n

d

I

know

.

w

h

a

t

.

it’s

like

.

t

o

.

be

alone . . .

.

.

.

 ~ yes,

I

.

know

.

w

h

a

t

.

it’s

like

.

t

o

.

be

alone,

.

.

o

n

.

.

the

road

.

t

o

.

all

.

o

f

.

those

places

.

w

e

.

used

.

t

o

.

go . . .

.

.

.

 ~ all

.

o

f

.

those

places

.

w

e

.

used

.

t

o

.

go . . .

.

.

.

wrapped

.

i

n

.

warm

.

a

n

d

.

welcome

homes . . .

.

.

.

 ~ wrapped

.

i

n

.

warm

.

a

n

d

.

welcome

homes . . .

.

.

.

which

glimmered

.

a

n

d

.

glowed . . .

.

.

.

They

glimmered

.

a

n

d

.

glowed . . .

.

.

.

They

glimmered

.

a

n

d

.

glowed . . .

.

.

.

They

glimmered

.

a

n

d

.

glowed . . .

.

.

.

b

u

t

now

only

.

h

o

s

t

.

haunting

echoes

.

a

n

d

.

vacant

souls . . .

.

.

.

 ~ they

.

n

o

w

.

only

.

h

o

s

t

.

haunting

echoes

.

a

n

d

.

vacant

souls . . .

.

.

.

i

n

all

.

o

f

.

those

places

.

w

e

.

used

.

t

o

.

go . . .

.

.

.

Snow

.

f

a

l

l

s

.

slow

.

upon

.

t

h

e

.

snow,

upon

.

t

h

e

.

cold . . .

.

.

.

a

n

d

I

know

.

w

h

a

t

.

it’s

like

.

t

o

.

be

alone . . .

.

.

.

 ~ yes,

I

.

know

.

w

h

a

t

.

it’s

like

.

t

o

.

be

alone,

.

.

o

n

.

.

the

road

.

t

o

.

all

.

o

f

.

those

places

.

w

e

.

use

.

t

o

.

go.

Reflection: This was a melancholy-themed poem that I wrote back in February of 2021 where the contemplator looks back on certain special people he or she shared warmly, wonderful moments with but is no longer in his/her life for whatever reason – leaving behind a deep, somber void which nobody else can fill. I used the haunting song “Good Love” by Zola Blood playing in the background at low volume to create the “moodset” for this poem. If you listen to the song at low volume while reading this poem, you might better get the “feel” of it.

☆°▪︎ BETTER THAN ME ▪︎°☆

You

.

c

a

n

.

spin

.

t

h

e

.

gloating

.

a

n

d

.

the

greed

into

dancing

dreams

.

a

n

d

.

fantasies . . .

.

.

.

You

.

c

a

n

.

plaster

.

y

o

u

r

.

walls

.

w

i

t

h

.

plasticine

prestige

.

a

n

d

.

seeming

celebrity . . .

.

.

.

You

.

c

a

n

.

paint

.

a

n

d

.

set

all

.

o

f

.

these

stately,

sparkling

scenes

.

f

r

o

m

.

sea

.

t

o

.

sating

sea . . .

.

.

.

~ presenting

each,

.

a

n

d

.

all,

.

a

n

d

.

every

.

o

f

.

these . . .

.

.

.

i

n

t

o

the

grandest

.

o

f

.

deeds . . .

.

.

.

~ into

.

t

h

e

.

greatest

.

o

f

.

opportunities . . .

.

.

.

You

.

c

a

n

.

do

all

.

o

f

.

this

with

such

selfish

ease . . .

.

.

.

You

.

c

a

n

.

do

all

.

o

f

.

this

without

losing

your

peace . . .

.

.

.

You

.

c

a

n

.

do

all

.

o

f

.

this

without

caring

what

.

t

h

e

.

future

brings . . .

.

.

.

You

.

c

a

n

.

do

all

.

o

f

.

this . . .

.

.

.

You

.

c

a

n

.

do

all

.

o

f

.

this . . .

.

.

.

much

better

.

t

h

a

n

.

me.

Reflection: This was a reflective-themed poem I wrote about those who can seemingly go through life doing whatever they please without worrying about who they hurt or what the impact might be. I wrote this poem using a much-loved song (“Statuette” by Emily Haines). I played this song in the background at low volume to create the “moodset” while writing this poem and the repeating lyrics “better than me” really hit me in a haunting sort of way and caused me to think – even though the context within the song was a bit different from the way I used it in the poem. If you listen to the song at low volume while reading this poem, you might better get the “feel” of it.

HAPPINESS/SUCCESS TIP: FIND, FOLLOW, AND FOCUS INTENTLY ON YOUR BURNING WHY

One of the keys to motivating yourself (and others) and making consistent and continual progress involves discovering what your burning WHY is and keeping it in clear focus over the weeks, months, years, and decades that follow – whether towards your life overall, for a specific goal or accomplishment, or some success you desire to achieve.

So, some of you might find, focus on, and follow a big, burning WHY in terms of your life overall for the long term if that creates enough motivation for you. Alternatively, you might find, focus on, and follow smaller, burning WHYs for right now in order to create motivation for each of your shorter term goals and such. Or you might use a combination of these approaches.

For example, in my own life, having the peace and freedom to do whatever I want, whenever I want, has been my life overall big, burning WHY for many years now and was enough to drive me to create and embody the financial and investing discipline and balance I needed to achieve that success. Some other person might have a smaller, burning WHY right now, which might involve spending a month in Paris a year from now. So, that smaller, burning WHY for the near term might motivate the individual to do whatever research, take the actions, and earn the money needed to achieve this goal. Someone else might have a smaller, burning WHY right now, in going hiking in the Rocky Mountains. So, that smaller, burning WHY for the near term might motivate this individual to engage in more fitness activities, eat healthier, and embrace healthier habits.

Visualization approaches can also be used to personify your big or small burning WHYs to motivate progress such as the following:

(1) Positive Visualization Approach. This is primarily a positive oriented motivational approach personifying your WHY(s). This essentially involves visualizing the person you greatly aspire to become, the ideal life you would greatly desire to live, or the highest success you greatly desire to achieve and collecting reminders of these – whether reflective of your life overall or your shorter term goals and such. By developing a positive means in which to visualize success and proceeding to visualize, or remind yourself of, this success on a regular basis, progress can be made towards achieving this success.

(2) Negative Visualization Approach. This is primarily a fear oriented motivational approach personifying your WHY(s) from the opposite end of the spectrum. This essentially involves visualizing the person you would most not like to become, the life that you would most not like to live, or the failures and other experiences you would most not like to have and collecting reminders of these – whether reflective of your life overall or your shorter term goals and such. For example, images of a homeless person suffering the effects of a prolonged addiction problem or a character in a movie who played such a role might serve this purpose. Another approach might be collecting reminders of those you love and appreciate who might be greatly affected by your nonsuccess. By developing a negative means in which to provide reminders of your life fears and the negative implications and consequences of nonsuccess, these can help to provide the strength and the motivation to resist or avoid these. And many studies have shown that pain can serve as a powerful motivational force since human beings tend to be “wired” towards avoiding pain/suffering and being risk averse.

(3)  Combined Positive/Negative Visualization Approach. This approach essentially involves two contrasting visualizations: One which represents the positive aspects (item 1 above) and another which represents the negative aspects (item 2 above).

Each of these approaches can help motivate success and improve progress. And the key to this progress and success hinges on finding, following, and focusing on your burning WHY(s) over the weeks, months, years, and decades to follow – whether in life overall, for a specific goal or accomplishment, or some success you desire to achieve. So, do this for yourself (and others) if you can.

This and other happiness and self-improvement related tips are provided throughout my self-help oriented books: https://brighterdayslifecoaching.com/published-books-and-life-coaching-services/ 

#selfimprovement #selfhelp #selfdevelopment #intention #fulfillment #success #inspiration #happiness #mindfulness

☆°▪︎ THE LOW SIDE OF HIGH ▪︎°☆

I

could

have

lived

a

life

much

brighter

than

bright . . .

.

.

.

 ~ I

could

have

lived

a

life

much

better

than

mine . . .

.

.

.

b

u

t

so

often

I

ride

o

n

the

low

side

o

f

high . . .

.

.

.

 ~ I

ride

o

n

the

low

side

o

f

high . . .

.

.

.

a

s

the

pages

fly

by . . .

.

.

.

a

s

the

pages

fly

by . . .

.

.

.

time,

after

time,

after

time,

after

time,

after

time . . .

.

.

.

a

n

d

then

I

realize . . .

.

.

.

 ~ yes

then

I

realize . . .

.

.

.

that

all

t

h

e

while . . .

.

.

.

a

n

d

all

that

time . . .

.

.

.

I

could

have

lived

a

life . . .

.

.

.

I

could

have

lived

a

life . . .

.

.

.

much

brighter

t

h

a

n

bright . . .

.

.

.

 ~ a

life

much

better

t

h

a

n

mine . . .

.

.

.

b

u

t

so

often

I

ride

o

n

the

low

side

o

f

high . . .

.

.

.

 ~ I

ride

o

n

the

low

side

o

f

high . . .

.

.

.

a

n

d

the

pages

fly

by . . .

.

.

.

a

n

d

the

pages

fly

by . . .

.

.

.

a

n

d

the

pages

fly

by . . .

.

.

.

a

n

d

then

I

realize . . .

.

.

.

that

all

t

h

e

while . . .

.

.

.

a

n

d

all

that

time . . .

.

.

.

that

a

l

l

I

would

write

would

only

ever

be . . .

.

.

.

that

this

w

a

s

my

life.

Reflection:  This was a reflective-themed poem I wrote. I saw an Album by Marilyn Manson titled “The High End of Low” and played with the words which drove me to write “the low side of high” and those words drove the remainder of the poem. 

DON’T LISTEN TO INVESTMENT EXPERTS… BE A MONKEY INSTEAD

Always be a bit cautious when “experts” tout their past successes in making stock picks. I find it a bit humorous when individuals and companies advertise their winning stock picks in retrospect saying “we recommended these” (with the implication, of course, that we know how to pick winning stocks so you should listen to us for future stock picks). In this particular post, 3 highly successful stocks are highlighted in hindsight (https://www.fool.com/ext-content/3-stocks-for-the-economy-of-the-future/?utm_source=facebook&utm_medium=contentmarketing&utm_campaign=ecomsa-dig-boom&aid=9502&paid=9502&waid=9502&source=esafbwdg0217760&psource=esafbwdg0217760&wsource=esafbwdg0217760&utm_content=%7B%7Bad.name%7D%7D&exitpop=false&autoplay=false&fbclid=IwAR3ghhPYiarn5bN-yo1Yhi5FrzJXQJ7e44-qeRc_wS2gsiJUH2xTzQVcjG8&testId=a-sa-dig-econ&cellId=0&campaign=sa-digital-economy).

What they don’t tell you is that they’ve recommended thousands of companies over that time frame – many of which have gone bankrupt or have substantially underperformed. And, just by chance alone, when you have recommended thousands of company stocks over the years, being able to find 3 which have highly outperformed in that set, in hindsight, is no big accomplishment and takes no talent at all. Monkeys tossing darts at a dartboard of various stock names are likely to do as well by chance alone (or perhaps even better since they have no preconceived notions).

You can learn about all of my investing techniques via my “Invest Like a Pro in 10 Minutes a Day!” series of 4 books where you can learn the “end to end” process to investing and gain key investing insights and skills (https://brighterdayslifecoaching.com/published-books…/).

Also, you can read all about my stock market activities here: https://brighterdayslifecoaching.com/stock-market-activities/

I wish you much success in creating a brighter financial future for yourself, your loved ones, and those who follow!

#finance #stocks #investing #stockmarket #success

MY BLUNDER AS AN INVESTMENT “EXPERT”

I was such an excellent “expert” investor in the 1990s, earned so much money in the stock market during that decade, and was so confident in my investing “skills” that in 1999-2000 I came up with a great idea. I took out a loan against my 401k, took a cash advance against one of my credit cards, and put all of that into the stock market because, well, “everything was going up,” you know. And what could possibly go wrong? Well, I earned about a -50% gain by the end of the dot com bubble.

Yeah. I was so good that I got back about half and still had to pay back the loans and cash advances. Thank goodness I didn’t have a margin account back then.

So, when you see me making jokes about “expert” investors these days – well, just know that I was one of those myself back in the 1990s during my early days as an investor. And my “retire in my 30s buy everything because everything is going up” plan didn’t quite work out the way I expected back then. A favorite movie line by a mangled survivor from a horror movie (one of the Saw movies I believe) comes to mind who willingly submitted to being tied up: “Well, it seemed like a good idea at the time…”

In hindsight, though, all of this was a valuable lesson. Don’t be overconfident. Don’t be an emotional investor. Curb your enthusiasm. And always come up with investment rules and plans “up front,” make adjustments to them over time, and remember to stick with them – especially during periods of chaos and volatility.

You’re welcome! 🙂

You can learn about all of my investing techniques via my “Invest Like a Pro in 10 Minutes a Day!” series of 4 books where you can learn the “end to end” process to investing and gain key investing insights and skills (https://brighterdayslifecoaching.com/published-books…/).

Also, you can read all about my stock market activities here: https://brighterdayslifecoaching.com/stock-market-activities/

I wish you much success in creating a brighter financial future for yourself, your loved ones, and those who follow!

#finance #stocks #investing #stockmarket #success

ALWAYS DEFINE INVESTMENT RULES UP FRONT, ADJUST THEM OVER TIME, AND STICK TO THEM

It’s always difficult predicting market tops. And you can’t necessarily assume things will happen similar and have the same effects as in the past with respect to the Fed, fiscal stimulus, and such.

I mean, in the previous recession, the housing market got crushed. This time the housing market sales and prices jumped. A lot. And throughout the entire recession. I mean who could have predicted that?

However, it’s a well established fact that people often lose more money anticipating market drops than from the actual market drops themselves. And most of the gains you’ll ever receive often happens right before major market tops. So, you kind of don’t want to miss out on those.

So, overall, I think people probably should keep investing but tighten their rules a bit, make less risky trades, and have a good cushion on of cash on hand to take advantage of significant drops.

Discipline, discipline, discipline. That is what’s key. Define your rules up front, adjust (tighten, loosen, etc.) them as needed, and stick with them. I frequently create rules for myself as an investor to guide and curb risk taking. For example, here are one of my current more macro market rules:

“BUY NEW STOCKS UP TO 15% OF INVESTMENT ACCOUNT. THEN STICK TO ONLY BUYING MORE OF THE EXISTING STOCKS UNTIL THE S&P 500 INDEX (SPX) DROPS SIGNIFICANTLY AND I ASSIGN IT A ‘STRONG BUY’ RATING. AT THAT POINT, I WILL START SCREENING AND PERHAPS CONSIDERING TO BUY NEW STOCKS.”

One of my more micro, individual stock rules are:

“AFTER BUYING INITIAL SHARES OF A STOCK, WAIT FOR AT LEAST A 10% DROP BEFORE CONSIDERING BUYING MORE.”

The above rules work pretty well for me as a lower risk investor. However, they are different today than they were years ago when I was a higher risk investor. And I adjust my rules based on whatever happens.

For example, when the markets started dropping back in February-March 2020, I had a pre-planned rule of:

“BUY 10% OF MY INVESTMENT ACCOUNT WHEN THE SPX DROPS 10%, BUY 2% MORE FOR EVERY SPX DROP OF 1% BEYOND THAT UNTIL SPX DROPS 15%, BUY 3% MORE FOR EVERY SPX DROP OF 1% BEYOND THAT UNTIL SPX DROPS 20%, AND BUY 4% MORE FOR EVERY SPX DROP OF 1% BEYOND THAT.”And that worked like a charm!I also have rules for selling.

So, do yourself a favor and come up with your investment rules beforehand, make adjustments as needed, and stick with them – especially during periods of chaos and volatility. Regarding what most concerns me going forward, well, I wrote a post recently about that: https://brighterdayslifecoaching.com/storm-clouds-on-the-horizon-the-bond-markets-and-the-low-risk-safe-haven-facade/

You can learn about all of my investing techniques via my “Invest Like a Pro in 10 Minutes a Day!” series of 4 books where you can learn the “end to end” process to investing and gain key investing insights and skills (https://brighterdayslifecoaching.com/published-books…/).

Also, you can read all about my stock market activities here: https://brighterdayslifecoaching.com/stock-market-activities/

#finance #stocks #investing #stockmarket #success

☆°▪︎ A SHY SMILE (ALL THE WHILE) ▪︎°☆

You

.

a

r

e

.

that

guy,

with

.

t

h

e

.

beautiful

smile . . .

.

.

.

 ~ you

.

a

r

e

.

that

guy,

I’ve

wanted

.

a

l

l

.

the

while . . .

.

.

.

 ~ a

fine,

white,

bright,

.

.

s

h

y.

.

.

smile,

kind

.

o

f

.

guy . . .

.

.

.

filled

.

w

i

t

h

.

sunshine

.

a

n

d

.

summertime . . .

.

.

.

 ~ filled

.

w

i

t

h

.

sunshine

.

a

n

d

.

summertime . . .

.

.

.

reflected

within

.

t

h

e

.

aisles,

upon

aisles,

upon

aisles . . .

.

.

.

o

f

hopeful,

wanting

eyes,

.

.

n

o

w

.

.

dimming

within

.

d

a

y

s

.

gone

by . . .

.

.

.

 ~ a

sunshine

.

a

n

d

.

summertime

.

w

h

i

c

h

.

wines

.

a

n

d

.

dines

.

b

y

.

candlelight,

.

.

m

y

.

.

each

.

a

n

d

.

every

dream

.

o

f

.

delight . . .

.

.

.

 ~ my

each

.

a

n

d

.

every

dream

.

o

f

.

delight . . .

.

.

.

night,

after

night,

after

night,

after

night,

after

night . . .

.

.

.

i

n

the

aisles . . .

.

.

.

 ~ in

.

t

h

e

.

aisles

.

o

f

.

hopeful,

wanting

eyes . . .

.

.

.

f

o

r

you

.

a

r

e

.

that

guy . . .

.

.

.

You

.

a

r

e

.

that

guy . . .

.

.

.

You

.

a

r

e

.

that

guy . . .

.

.

.

with

.

t

h

e

.

.

beautiful

smile . . .

.

.

.

 ~ you

.

a

r

e

.

that

guy . . .

.

.

.

I’ve

wanted

.

a

l

l

.

the

while.

Reflection: This was a romantic-themed poem that I wrote back in January of 2021 about a strong infatuation I had with someone I barely knew and only came into contact with occasionally. I used the haunting song “Another Thing” (and several other songs on the same album) by Homeshake playing in the background at low volume to create the “moodset” for this poem. If you listen to the song(s) at low volume while reading this poem, you might better get the “feel” of it.