FINAL STOCK MARKET SCORE =>>> JOE: 57.2%, SPX: 24.2%

I had a really great year in the stock market this year. I experienced my first down year in 11 years last year (in 2022) when I lost 23.6% but more than made up for it this year with a gain of 57.2% which is about an 8-year gain in a single year!

I beat all of the major market indexes this year by a wide margin such as the S&P 500 index (+24.2%), Russell 2000 index (+15.1%), and Nasdaq index (+43.4%). So, 2023 was a great year for me and demonstrated I can still do well as a high-risk investor (I unintentionally became a high-risk investor in 2022 with the large stock market drop and am finally getting back to being a low-risk investor which is where I’m supposed to be at this stage of my investing). Most of my portfolio is now invested in fixed income which fits much better with my low-risk investor profile. We’ll see what 2024 brings.

I’ve done extremely well overall from year-to-year. Over the past 12 years my average annual gain is 35% (including the losses from 2022). So, that’s pretty darn good. This is about a 5-year gain on average for every year over the past 12 years. Here’s what the specific percentage gains/losses were:

2023 +57.20%
2022 -23.60%
2021 +8.70%
2020 +164.00%
2019 +20.00%
2018 +14.00%
2017 +15.00%
2016 +22.00%
2015 +73.00%
2014 +19.20%
2013 +16.40%
2012 +34.90%

I improved my investment strategies this year as I try to do every year. https://brighterdayslifecoaching.com/how-to-lose-your-shirt-in-the-stock-market-without-losing-your-shorts-too-part-four/
and https://brighterdayslifecoaching.com/a-break-in-the-clouds-the-return-of-low-risk-safe-haven-investments-via-the-bond-market/ are two notable examples.

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. So, use any downtime you might have to your advantage by gaining this knowledge and learning these skills and techniques (https://brighterdayslifecoaching.com/published-books-and-life-coaching-services/).

Make it your goal to learn these investment techniques so that you can progress towards achieving the financial freedom and independence you’ve always dreamed of. I would have done so much better if I had learned this stuff years ago! I wish you much investing success for 2024 (and beyond!).

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

I wish you much investing success for 2024 (and beyond!).

#selfimprovement, #selfhelp #selfdevelopment #success #finance #stocks #investing #stockmarket #bonds #bondmarket

A GUILT-FREE WAY TO GIVE AND MAKE A DIFFERENCE IN PEOPLE’S LIVES

Most people who know me understand that whenever I have a good year in the stock market, I always set aside some of the proceeds to share with others to contribute as my gift to them – it’s a promise I make every year to God, higher power, the universe, or whatever it is you believe in (I happen to believe in all the above).

Well, this year I earned a 56% gain so far which is about an 8-year gain on average in just one year (https://brighterdayslifecoaching.com/stock-market-activities)! So, I spent a lot of time trying to figure out what I could do for the holidays to contribute to people I care about.

What I ended up deciding on is providing a 0% “loan” (“wink wink”) to people which they can use at any time, in any way they choose, and for whatever payment terms they choose (which can be adjusted at any time). If the “loan” is paid off within 2 years, then they owe only 90% of the loan total.

The reason I provided a 0% “loan” is many people feel much more comfortable with that than receiving a large sum of money as a gift – it tends to be more guilt-free in nature as a lot of people are uncomfortable receiving larger amounts of cash as gifts. However, I have given them each the option of paying the “loan” back (or not). I provided everyone with three choices regarding this gift:

1. Accept the “loan” at any time up until 30 November 2024 as their gift from me and pay it back on whatever terms they like (which they can adjust at any time). This would especially be a great option if they have debts they would like to at least partially pay down or any new purchases they would like to make without having to pay any interest. Again, they are not required to pay the “loan” back. However, if they do then I will offer their “loan” to the next person. So, it does not affect me in the least if they are not able to pay back the “loan” for whatever reason. Because even if they do, I gain no benefit since I’m just going to just offer the “loan* to the next person. And if they end up not being able to pay it back, then as far as I’m concerned it just means they needed the money more than the next person. Lastly, if they do end up paying the “loan” back within 2 years then they only pay 90% of the loan total (a 10% discount).

2. Decline the “loan” anytime up to 30 November 2024 and receive $150 as their gift from me. If they decline the “loan,” then I will offer it to the next person. So, I gain no benefit if they decline the “loan.” As such, I encourage them to use the “loan” if it might be helpful to them.

3. Allow the “loan” to expire on 30 November 2024 without using it and receive $150 as their gift from me. If the “loan” expires, I will offer it to the next person. So, I gain no benefit if the “loan” expires.

Any “loan” (or any portion of any loan) not paid off within 2 years is automatically forgiven. Thus, the recipient(s) will owe nothing after 2 years.

So, the above is how I decided to contribute this year. Perhaps the above will be helpful to some of you in figuring out how to contribute when good things happen for you. I hope it does.

Have a wonderful holiday season everyone!

#selfimprovement #selfhelp #selfdevelopment #intention #fulfillment #success #inspiration #happiness #mindfulness #peace #joy #positivethinking #balance #finance #stocks #investing #stockmarket #bonds #bondmarket

HAPPY HOLIDAYS! A TINY GIFT FOR YOU!

One thing I used to do years ago for the holidays was hand out themed compilation CDs of music people couldn’t buy anywhere to give them something special and unique and wonderful to listen to over the holiday season (and beyond). They did not contain holiday music or anything which, for me, tends to get old after a short while – just unique music that is nice to listen to for something different. I was always particular and intentional about the themes I came up with and always ordered the tracks in such a way to ensure they created a wonderful musical experience and a smooth flow from one track to the next.

I used to do this year-after-year up until the widespread use of I-tunes, media players, Spotify and such. So, I started to realize CDs were probably a waste of time and effort. Well, the last couple of years I decided to recreate some of those CDs as Playlists on Spotify.

I might continue the above practice next year, but for this year I decided to create a new 1950s/1960s playlist. I heard some old music on a radio station a few months ago when driving around in New Smyrna Beach and I loved it so much that, for something different, I made a whole playlist to share with everyone. So, check it out when you get the chance:

Smooth Sailing 50s & 60s: https://open.spotify.com/playlist/3x0UnPJDMQqXcgxDIemCep…

I hope you will enjoy this as much as I do. Some of the lyrics are outdated for these modern times but the music is Wonderful. Also, the Sue Raney version of the second song (Till There Was You – https://www.youtube.com/watch?v=jEoG1TYLBWI) is much better than the Peggy Lee version but Spotify didn’t have the Sue Raney version. I encourage you to check that out and replace the Peggy Lee version with the Sue Raney version if you create your own playlist outside of Spotify. It’s so much better than the Peggy Lee version and fits in well with this playlist. Also, feel free to modify the playlist to make it your own including adding some of your favorites.

Below are the five playlists I provided in previous years so feel free to check these out as well over the holidays (and beyond):

1. Classical Gems (nice and soothing classical music): Classical Gems – playlist by Joe Brennan | Spotify

2. Candlelight Classic Jazz I (mainly old classic vocal jazz): https://open.spotify.com/playlist/1R0tZBB8MOZUJgA01LrK2C

3. Candlelight Classic Jazz II (mainly old classic instrumental jazz): https://open.spotify.com/playlist/10ZO5Mrv5fF2Uns7QEzWVT

4. New Age (Morningtide-Eveningtide): https://open.spotify.com/playlist/5S0Re0yHvQma9WMai20w36

People really seemed to love this one for helping them to relax and even sleep. One song (What a Beautiful Sunset by Angelwing) was not available on Spotify but I encourage you to check out this excellent song as well: https://youtu.be/pXgjQPgh4bM?si=ovRvGhgp3V_G47JI . You can add this wonderful track if you create your own playlist outside of Spotify.

5. Acoustic Tracks: https://open.spotify.com/playlist/4rjwsNOCPfWZJFK72cKvji… This is a playlist that I love to listen to around the start of Autumn. For some reason the music really seems to fit at that time. None of the Joni Mitchell songs were on Spotify but tracks such as: the acoustic live version of “People’s Parties” (my very favorite:

https://youtu.be/NktbeZiMYfA?si=dV0LcJEL6uo1aTbJ), “Urge for Going” (https://youtu.be/ZvSvTRhAJxg?si=hKeMtJUa95dTLGUk), “Little Green” (https://youtu.be/HTxUrDtoPP0?si=fo0yREfcqCIxaznn), “A Case of You” (https://youtu.be/0YuaZcylk_o?si=hwbPrgdwdmxUYHlM), “Court and Spark” (https://youtu.be/_1Z6I62yvfg?si=irKLbee4rBS5evAI), and “That Song About the Midway” (https://youtu.be/O9R82TThjdw?si=jA4wsRNPDVaNUJXo) are excellent. So add the above tracks if you create your own playlist outside of Spotify.

Enjoy this music over the holiday season (and beyond) and feel free to share with anyone else who might enjoy these or could use a positive thought and a smile to brighten up their day.

Lastly, just in case it might be helpful to you (or others in your life):

As a first step when I take on new life coaching clients, I usually assign the following as a homework assignment: https://brighterdayslifecoaching.com/how-to-defeat-any…/

Why? Because this is the entry level step for putting them into a more positive place and ensuring we are working towards actual, instead of perceived, problems. It can be a substantial waste of time, effort, and energy working towards solving non-problems and taking this step (and Step 2 below) can be instrumental in avoiding that. After 3-4 weeks of consistently addressing the external factors indicated in the post above, many people feel much better about themselves and about their lives and are better able to focus on what they really want in life instead of spending time, money, and energy trying to solve problems which are really not problems at all.

After Step 1 has been completed, Step 2 is here which offers a guaranteed way to live increasingly happier : https://brighterdayslifecoaching.com/happiness-tip-clear…/

I hope the above will be helpful to you or to others in your life.

Happy Holidays everyone! May 2024 be the best year of our lives EVER! 🙂

#selfimprovement #selfhelp #selfdevelopment #intention #fulfillment #success #inspiration #happiness #mindfulness #peace #joy #positivethinking #balance

☆°▪︎ ONLY TOMORROWS KNOW (THAT WHICH DIMS OR GLOWS) ▪︎°☆

Today,

a

.

n

e

w

.

dream

grows,

seeded

.

b

y

.

yesterday’s

hope . . .

.

.

.

 ~ today,

a

dream

grows,

seeded

.

b

y

.

yesterday’s

hope . . .

.

.

.

b

u

t

only

tomorrows

know . . .

.

.

.

i

n

all

.

o

f

.

the

yesses

.

a

n

d

.

nos . . .

.

.

.

i

n

all

.

o

f

.

the

fasts

.

a

n

d

.

slows . . .

.

.

.

i

n

all

.

o

f

.

the

highs

.

a

n

d

.

lows . . .

.

.

.

that

which

remains,

.

a

n

d

.

that

which

goes . . .

.

.

.

that

which

stagnates,

.

a

n

d

.

that

which

flows . . .

.

.

.

a

n

d

that

which

dims,

.

a

n

d

.

that

which

glows . . .

.

.

.

 ~ that

which

dims,

.

a

n

d

.

that

which

glows . . .

.

.

.

all

along

those

raw,

.

a

n

d

.

rugged,

.

a

n

d

.

restless

roads . . .

.

.

.

o

f

all

.

t

h

e

.

places

.

w

e

.

would

go.

Reflection: This is a reflective poem written as a reminder that all of the choices we make over the weeks, months, and years influence what we experience later in life – so, choose as wisely as you can at the time and grow that wisdom over the years that go by. I wrote most of this poem by listening to the wonderful gem of a song “And So It Goes” by Billy Joel which I played repeatedly in the background at low volume to create the “moodset” for (and inspire) the writing of the poem. If you listen to the song at low volume while reading this poem, you might better get the “feel” of it.

REFLECTIONS AND KEY TAKEAWAYS FROM THE BOOK “BRAIN RULES: 12 PRINCIPLES FOR SURVIVING AND THRIVING AT WORK, HOME, AND SCHOOL” BY JOHN MEDINA

I thought “Brain Rules: 12 Principles for Surviving and Thriving at Work, Home, and School” by John Medina was a pretty good book. The three key takeaways that I got from this book were the following:

1. While most people view food as the body and brain’s most critical resource (wrong – the body/brain can survive a few weeks without food) and water as the second most common response (wrong again – the body/brain can survive about a few days without water), the most critical resource is oxygen (the body/brain can survive only a few minutes without oxygen). As such, the best way to improve cognitive performance is to enhance the amount of oxygen delivered through the bloodstream. The corollary is also true – anything which reduces the amount of oxygen delivered through the bloodstream will degrade cognitive performance over the near and long term. There are several implications related to this that are worthy of strong consideration:

Will stress improve or reduce blood flow and cognitive performance? Well, over the near term, stress constricts blood vessels resulting in decreased blood flow. Chronic, long term stress results in the scarring of blood vessels and the build-up of plaque due to sticky substances adhering to and hardening the blood vessels – reducing blood flow permanently and raising the risk of strokes and heart attacks (as a side note: stress also depletes the immune system resulting in greater and lengthier illnesses). As such, anything we do to manage stress is very helpful over both the short and long term. Related to the implications of stress, one can imagine several other things which might produce similar effects. For example:

Stimulants such as drugs and even natural stimulants can cause some of the same effects. So, it would probably be wise to minimize these to the extent possible or eliminate them completely.

Depressants tend to slow down the heart and in turn would decrease the flow of oxygen delivered through the bloodstream. So, it would probably be wise to minimize these to the extent possible or eliminate them completely.

Unhealthy foods tend to promote the scarring of blood vessels and the build-up of plaque due to sticky substances adhering to and hardening the blood vessels – reducing blood flow permanently and raising the risk of strokes and heart attacks. So, it would probably be wise to minimize these to the extent possible or eliminate them completely.

There is no shortage of other scenarios we can imagine which could reduce the amount of oxygen delivered through the bloodstream and degrade cognitive performance. So, it’s worthwhile to contemplate these so that we can make healthier choices.

In sharp contrast to the above:

Physical exercise elevates the heart rate and creates new blood vessels deeper into the brain and body tissues resulting in substantial increases of oxygen delivered through the bloodstream. So, it would be wise to exercise regularly.

Doing things to keep yourself in a relaxed state does the opposite of stress in that it improves blood flow and cognitive performance and results in less scarring of blood vessels and the build-up of plaque. As such, anything we do which helps us manage stress and relax more can be very helpful over both the short and long term.

2. From other readings I’ve done, another factor which can come into play involves taking breaks from time to time when you feel mentally depleted and are craving unhealthy foods. The brain tends to chew up a lot of metabolic fuel (glucose and oxygen) but can become depleted over time. When this happens, people tend to get a strong craving for sugar and often give in to that craving. However, what people don’t realize is that even substituting healthier snacks, taking a short break, going for a short walk, performing much easier, low-stress activities (simple tasks, phone calls, etc.) or doing something to relax or uplift your mood would be enough to sustain you during those periods and allow you to get back to the complex tasks at hand. So, give this a try instead of attempting to push through it and giving into unhealthy temptations. You’ll get more done, do them better, and complete things sooner.

3. Sleep is very important. The brain remains active while we sleep. It processes, reviews, and organizes information, strengthens new learning, and performs problem solving activities. If sleep is interrupted, then we lose the benefit of these processes. So, the brain performs offline processing during the sleep cycle. It helps us to learn better, to retain information, and create solutions.

Related to the above, as a life coach, the following is the first step I usually give to people which can really help a lot: https://brighterdayslifecoaching.com/how-to-defeat-any-distress-without-dope-drinks-drugs-debt-or-doctors/

Here are the more complete set of the notes I took which might be helpful to some of you out there:

Of the 12 Brain Rules discussed, I thought the following were the most helpful and enlightening: Rule #1 (Exercise): Exercise boosts brain power, Rule #4 (Attention): We don’t pay attention to boring things, Rule #5 (Short-Term Memory): Repeat to remember, Rule #6 (Long-Term Memory): Remember to repeat, Rule #7 (Sleep): Sleep well, think well.

A lifetime of exercise results in large improvements in cognitive performance. Exercisers outperform sedentary people by a large degree. Couch potatoes can start aerobic exercise programs and improve their cognitive performance within a few months. If they stop the exercise program, then their cognitive performance will revert back to the previous levels. Just walking several times a week is enough to improve cognitive performance. 30 min of aerobic exercise three times a week is sufficient but a much greater cognitive benefit results if a strengthening program is added.

Your lifetime risk of dementia is cut in half (and risk of Alzheimer’s cut by 60%) if you perform aerobic exercise twice a week. If you do a 20 min walk each day you can cut your risk of having a stroke by 57%.

Physical exercise also helps in treating anxiety and depression – both immediately and over the long term.

Exercise provides your body and brain with greater access to oxygen and food. When we exercise, we increase blood flow which makes new blood vessels which penetrate deeper and deeper into the tissues of the body. This allows more access to the bloodstream’s goods and services including food distribution and waste disposal. The more you exercise, the more tissues you can feed and the more toxic waste you can remove. Likewise, exercise increases blood volume in the brain likely through new capillaries which allows more brain cells greater access to the blood’s food and haz-mat teams.

Exercise provides a steady increase in the oxygen supply to the brain which greatly improves cognitive performance. The improved cognitive performance will rapidly decline if the exercise program is stopped. Studies show that providing supplemental oxygen to people without exercise provides a similar cognitive improvement.

Consider incorporating exercise even during work by taking walks, using treadmills, and such.

In summary, exercise boosts brain power. So, to improve thinking performance, move.

The more attention brain pays to a given stimulus, the stronger the information will be encoded. Better attention always equals better learning and retention. It improves accuracy, retention, and clarity in writing, math, and such.

Attentional ability is not capable of multi-tasking. We simply cannot process attention-rich inputs simultaneously.

Studies show that a person who is interrupted takes 50% longer to accomplish a task and up to 50% more errors are made. If a person is familiar with the tasks, the completion time and errors are much less than if the tasks are unfamiliar.

One study showed that simply reaching for an object while driving a car multiplies the risk of a crash or near-crash by 9 times.

The ideal single topic presentation or module of instruction would only last 10 minutes (each of which would only cover a single core concept – always large, always general, always filled with “gist,” and always explainable in one minute – the remaining 9 minutes would provide a detailed description of that single general concept (each detail could be easily traced back to the general concept with minimal intellectual efforts)) So, five topics would take 50 minutes.

The brain processes meaning before detail. So provide the gist or the general ideal first. If you do, you will see a 40% improvement in understanding.

The 10-minute limit is important because audience attention will plummet to near zero right around the 10-minute mark.

The brain doesn’t pay attention to boring things.

Retrieval may best be improved by replicating the conditions surrounding the initial coding. This also goes for mood. Learn something while you are sad and you will recall it better if, at retrieval, you are somehow suddenly made sad.

The quality of the encoding stage – those earliest moments of learning – is one of the single greatest predictors of later learning success. The more handles (associations, etc.) one creates at the moment of learning, the more likely the information is to be accessed at a later date.

The more a learner understands the meaning of the presented information, the stronger the encoding process. So, make sure you understand exactly what that information means and if you are trying to drive information into someone else’s brain, make sure they know what it means. This has a negative corollary. If you don’t know what the information means, don’t try to memorize and pray the meaning will somehow magically reveal itself to you in the future.

A great way to communicate meaning in such a fashion that it improves learning and understanding is to use relevant real-world examples such that main learning points are accompanied with meaningful experiences.

Studies show that the greater the number of examples used, the more likely the information is to be remembered. And the more personal an example, the more richly it becomes encoded and the more readily it is remembered. Why do examples work? They take advantage of the brain’s natural employment of pattern matching. Information is more readily processed if it can be immediately associated with information already present in the learner’s brain. Providing examples is the cognitive equivalent of adding more handles. Providing examples makes the information better encoded and better learned and retrieved.

The events that happen the first time you are exposed to a given information stream play a disproportionately greater role in your ability to accurately retrieve it at a later date.

If you are trying to get information across to someone, your ability to create a compelling introduction may be the more important single factor. You can lose your audience in the first 30 seconds of a presentation if you do not make it compelling and hold their attention.

Memories are not stored as video replications of events. They are stored as fragments. Once one fragment is retrieved then based on inference and the partial evidence available, a reconstruction of what actually experienced is created. So, the accuracy of memories is questionable. Because the mind tends to fill in missing gaps – relying on partial fragments, inferences, outright guesswork, and often (most disturbingly) incorporates other memories not related to the actual event. It is truly reconstructive in nature and done all in the service of creating a coherent story. Frequently, the brain inserts false information to make a coherent story.

Studies show that memories later in life bear very little resemblance to the ones remembered earlier in life. For example, in one study only a third of adults recalled any physical punishment such as spanking – however, 90% of their adolescent selves answered in the affirmative.

The brain tries to make sense of the world by connecting new information to previously encountered information. As such, new information can become intertwined with past memories as if they were encountered together.

Re-exposure strengthens encoding, storage, and retrieval. So, talking about something you witnessed with friends and family and such strengthens memory. Research indicates that thinking about or talking about an event immediately after it happens enhances memory for that event. It is one of the reasons it is important for witnesses to recall information as soon as possible after an event occurred.

It is important to regularly re-expose yourself to information you want to retrieve later. Thus, the way to make long-term memory more reliable is to incorporate new information gradually and repeat it in timed intervals.

Our brains only give us an approximate view of reality, because they mix new information with past memories and store them together as one.

Studies show that 26-45 min naps improve performance by 34% or more lasting more than 6 hours.

Studies indicate that sleep can boost learning substantially. For example, taking a 12 hour break has shown to produce 20% better results. That increases to 60% if it happens after an 8+ hour sleep. And no matter how many times the experiment is run, the sleep group consistently outperforms the non-sleep group about 3 to 1.

Studies show that if healthy 30-year olds are sleep-deprived for six days (averaging about 4 hours of sleep per night) parts of their body chemistry soon revert to that of a 60-year old. And if they are allowed to recover, it will take them about a week to get back to their 30-year old systems.

The bottom line is that sleep loss means mind loss. Sleep loss hurts attention, memory, mood, quantitative skills, logical reasoning ability, and general math knowledge. Eventually, sleep loss affects manual dexterity including motor control.

The brain remains active while we sleep. It processes and reviews and organizes information and new learning. If sleep is interrupted then we lose the benefit of the mental review and organizing processes. So, the mind is performing offline processing during the sleep cycle. It helps us to learn better, to retain information, and create solutions. The brain shows rigorous rhythmic activity when we sleep – perhaps replaying what was learned that day or seeking solutions for problems.

Stress can boost cardiovascular performance in the short term but over the long term, too much adrenaline stops regulating surges in blood pressure which creates sandpaper-like rough spots on the insides of blood vessels. The spots turn into scars which allow sticky substances in the blood to build up – clogging the arteries. If it happens in the blood vessels of your heart, you experience a heart attack. If it happens in your brain, you get a stroke. As such, people who experience chronic stress have an elevated risk of heart attacks and strokes. Chronic stress also affects our immune system which cripples the ability to fight off infections and illness. Studies show that stressed individuals were three times as likely to suffer from the common cold.

Chronic stress hurts our ability to learn. One study showed that adults with high stress levels performed 50% worse on certain cognitive tests (such as problem solving) than adults with low stress.

Stress hormones affect our brain. One of the effects of prolonged stress is depression – the debilitating kind. The kind of depression that causes 800k people a year to attempt suicide. Many people who feel depressed feel there is no way out of their depression and that life’s shocks are permanent and things will never get better. Even when there is a known way out – there is no perception of it.

At some point stress becomes toxic (the allostatic load).

Your home life greatly impacts your abilities and performance outside of the home whether work or school. Because it greatly affects the ability to concentrate and focus as well as physical health. Absenteeism and truancy often results. Those who live in hostile environments (especially children) are at much greater risk of experiencing severe mental health issues such as depression and anxiety. Such mental health problems can wreak havoc on cognitive processes. More stress in the family cause more stress at work which in turn gets brought home again. As such, stability of the home is essential – especially for children.

Under chronic stress, adrenaline creates scars in your blood vessels that can cause a heart attack or stroke, and cortisol damages some of the brain cells, crippling abilities to learn and remember. The worst kind of stress is the feeling of having no control over the problem – you feel helpless.

If information is presented orally, people remember about 10%, tested 72 hours after exposure. That figure goes up to 65% if you add a picture. One reason text is less capable than pictures is the brain sees words as lots of tiny pictures.

Women tend to remember the emotional details. Men typically remember the gist.  

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

☆°▪︎ THE TUNE OF ECHOES (TELLS THE TRUTH) ▪︎°☆

It

.

w

a

s

.

in

this

town . . .

.

.

.

a

n

d

in

this

house . . .

.

.

.

a

n

d

in

this

room . . .

.

.

.

when

I

knew

.

n

o

t

.

what

.

t

o

.

do . . .

.

.

.

 ~ I

knew

.

n

o

t

.

what

.

t

o

.

do

.

.

i

n

.

.

that

room . . .

.

.

.

a

n

d

now,

only

.

t

h

e

.

tune

.

o

f

.

echoes

tells

.

t

h

e

.

truth . . .

.

.

.

 ~ the

tune

.

o

f

.

echoes

tells

.

t

h

e

.

truth . . .

.

.

.

a

n

d

no

matter

what,

.

o

r

.

who,

.

.

o

r

.

.

how

much,

.

o

r

.

how

few,

.

.

i

n

.

.

my

life

becomes

new . . .

.

.

.

a

n

d

no

matter

how

frequent,

.

o

r

.

how

distant

I

try

.

t

o

.

move . . .

.

.

.

the

tune

.

o

f

.

echoes

tells

.

t

h

e

.

truth . . .

.

.

.

The

tune

.

o

f

.

echoes

tells

.

t

h

e

.

truth . . .

.

.

.

The

tune

.

o

f

.

echoes

tells

.

t

h

e

.

truth . . .

.

.

.

The

tune

.

o

f

.

echoes

tells

.

t

h

e

.

truth . . .

.

.

.

a

n

d

consumes

.

t

h

e

.

mood . . .

.

.

.

 ~ it

consumes

.

t

h

e

.

mood . . .

.

.

.

in

this

town . . .

.

.

.

in

this

house . . .

.

.

.

a

n

d

in

this

room.

Reflection: This is a melancholy poem where the sufferer looks back on something that has greatly affected his or her life – perhaps something that he or she could have done something about but was unable to at the time for whatever reason (lack of strength, lack of experience, lack of courage, lack of confidence, whatever). I wrote most of this poem by listening to the wonderful, haunting gem of a song “White Gloves” by Khruangbin which I played repeatedly in the background to create the “moodset” for (and inspire) the writing of the poem. If you listen to the song at low volume while reading this poem, you might better get the “feel” of it.

☆°▪︎ A CRY OF SUNSHINE ▪︎°☆

Can

.

y

o

u

.

feel

it?

.

.

.

It

.

i

s

.

the

first

touch

.

o

f

.

sunshine,

felt

.

i

n

.

a

very

long

time . . .

.

.

.

 ~ the

first

touch

.

o

f

.

sunshine,

felt

.

i

n

.

a

long

time . . .

.

.

.

Can

.

y

o

u

.

hear

it?

.

.

.

It

.

i

s

.

the

soothing

song

that

makes

.

y

o

u

.

smile,

.

a

n

d

.

sing

along . . .

.

.

.

 ~ the

soothing

song

that

makes

.

y

o

u

.

smile,

.

a

n

d

.

sing

along . . .

.

.

.

Can

.

y

o

u

.

see

it?

.

.

.

It

.

i

s

.

the

warm

tears

.

o

f

.

hope,

when

you’ve

traveled

alone

.

a

n

d

.

wandered

far

from

home . . .

.

.

.

When

you’ve

traveled

alone . . .

.

.

.

When

you’ve

traveled

alone . . .

.

.

.

When

you’ve

traveled

alone . . .

.

.

.

a

n

d

wandered

far

from

home . . .

.

.

.

b

u

t

begin

.

t

o

.

recognize

a

friendly,

familiar

road . . .

.

.

.

 ~ you

recognize

a

friendly,

familiar

road . . .

.

.

.

Can

.

y

o

u

.

breathe

it?

.

.

.

It

.

i

s

.

the

warming,

welcome

scent

.

o

f

.

the

place

.

y

o

u

.

used

.

t

o

.

go

.

t

o

.

slow,

.

a

n

d

.

let

your

spirit

show . . .

.

.

.

 ~ the

place

.

y

o

u

.

used

.

t

o

.

go

.

t

o

.

let

your

spirit

show . . .

.

.

.

Each,

.

a

n

d

.

all,

.

a

n

d

.

every

type

.

o

f

.

warmth

.

a

n

d

.

kindness

left

behind . . .

.

.

.

remains

.

w

i

t

h

.

you

.

a

l

l

.

the

time . . .

.

.

.

 ~ every

warmth

.

a

n

d

.

kindness

left

behind . . .

.

.

.

remains

.

w

i

t

h

.

you

.

a

l

l

.

the

time . . .

.

.

.

s

o

feel

it . . .

.

.

.

a

n

d

hear

it . . .

.

.

.

a

n

d

see

it . . .

.

.

.

a

n

d

breathe

it . . .

.

.

.

f

o

r

every

warmth

.

a

n

d

.

kindness

left

behind . . .

.

.

 ~ every

warmth

.

a

n

d

.

kindness

left

behind . . .

.

.

.

 ~ every

warmth

.

a

n

d

.

kindness

left

behind . . .

.

.

.

remains

.

w

i

t

h

.

you

.

a

l

l

.

the

time.

Reflection: This is an uplifting, inspirational poem I wrote about hope, mindfulness, optimism, and appreciation. I played the wonderful gem of a song “Cold Comfort” by STRFKR in the background 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.

☆°▪︎ THE NIGHTS OF WINE, RHYME, AND STARSHINE ▪︎°☆

Smiles

danced

.

w

i

t

h

.

the

eyes . . .

.

.

.

a

n

d

eyes

.

w

i

t

h

.

the

smiles . . .

.

.

.

s

o

alive

across

.

t

h

e

.

skies . . .

.

.

.

s

o

alive

across

.

t

h

e

.

skies . . .

.

.

.

o

f

starshine . . .

.

.

.

We

danced

alive . . .

.

.

.

We

danced

alive . . .

.

.

.

We

danced

alive . . .

.

.

.

across

.

t

h

e

.

skies

.

o

f

.

starshine . . .

.

.

.

beneath

those

breathless

nights

.

o

f

.

wine,

rhyme,

.

a

n

d

.

exhilarating

highs . . .

.

.

.

 ~ beneath

those

breathless

nights

.

o

f

.

wine,

rhyme,

.

a

n

d

.

exhilarating

highs . . .

.

.

.

when

time

.

w

a

s

.

blind . . .

.

.

.

a

n

d

lies

.

w

e

r

e

.

kind . . .

.

.

.

 ~ Yes,

time

.

w

a

s

.

blind . . .

.

.

.

a

n

d

lies

.

w

e

r

e

.

kind

beneath

.

t

h

e

.

spinning

lights . . .

.

.

.

 ~ beneath

.

t

h

e

.

spinning

lights . . .

.

.

.

i

n

those

breathless

nights

.

o

f

.

wine,

rhyme,

.

a

n

d

.

exhilarating

highs . . .

.

.

.

 ~ those

breathless

nights

.

o

f

.

wine,

rhyme,

.

a

n

d

.

exhilarating

highs . . .

.

.

.

where

smiles

danced

.

w

i

t

h

.

the

eyes . . .

.

.

.

a

n

d

eyes

.

w

i

t

h

.

the

smiles . . .

.

.

.

s

o

alive

across

.

t

h

e

.

skies . . .

.

.

.

s

o

alive

across

.

t

h

e

.

skies . . .

.

.

.

o

f

starshine.

Reflection: This is a reflective poem looking back on the days of youth where everything was new and in bloom. I wrote most of this poem by listening to the wonderful, haunting gem of a song “Disco Girls” by Glosser which I played repeatedly in the background to create the “moodset” for (and inspire) the writing of the poem. If you listen to the song at low volume while reading this poem, you might better get the “feel” of it.

☆°▪︎ A PALE GLOW OF HOPE (THAT SWALLOWS THE SOUL) ▪︎°☆

There

must

.

b

e

.

more

.

t

h

a

n

.

this . . .

.

.

.

 ~ there

must

.

b

e

.

more . . .

.

.

.

There

must

.

b

e

.

more . . .

.

.

.

t

h

a

n

waiting

around

.

f

o

r

.

the

next

way

.

t

o

.

drown . . .

.

.

.

There

must

.

b

e

.

more . . .

.

.

.

t

h

a

n

racing

ahead . . .

.

.

.

 ~ than

racing

ahead . . .

.

.

.

.

w

i

t

h

that

burning

glow . . .

.

.

.

only

.

t

o

.

find

.

t

h

a

t

.

every

road,

leads

.

t

o

.

a

.

newer

low . . .

.

.

.

Your

every

road

leads

.

t

o

.

a

.

newer

low . . .

.

.

.

Your

every

road

leads

.

t

o

.

a

.

newer

low . . .

.

.

.

a

n

d

you

begin

.

t

o

.

lose

.

t

h

a

t

.

glow . . .

.

.

.

You

begin

.

t

o

.

lose

.

t

h

a

t

.

glow . . .

.

.

.

You

begin

.

t

o

.

lose

.

t

h

a

t

.

glow . . .

.

.

.

You

begin

.

t

o

.

lose

.

t

h

a

t

.

glow

.

o

f

.

hope . . .

.

.

.

u

n

t

i

l

it

swallows

.

t

h

e

.

soul . . .

.

.

.

It

swallows

.

t

h

e

.

soul . . .

.

.

.

It

swallows

.

t

h

e

.

soul . . .

.

.

.

It

swallows

.

t

h

e

.

soul . . .

.

.

.

when

.

y

o

u

.

lose

.

t

h

a

t

.

hope . . .

.

.

.

There

must

.

b

e

.

more

.

t

h

a

n

.

this . . .

.

.

.

 ~ there

must

.

b

e

.

more . . .

.

.

.

There

must

.

b

e

.

more . . .

.

.

.

t

h

a

n

hanging

on

.

t

o

.

a

song

.

y

o

u

.

know

.

i

s

.

wrong . . .

.

.

.

 ~ the

song

.

y

o

u

.

know

.

i

s

.

wrong . . .

.

.

.

b

u

t

still

can’t

move

on . . .

.

.

.

 ~ no,

.

y

o

u

.

can’t

move

on . . .

.

.

.

w

h

e

n

all

.

y

o

u

.

can

do

.

i

s

.

hang

on . . .

.

.

.

a

n

d

I’m

hanging

on . . .

.

.

.

I’m

hanging

on . . .

.

.

.

I’m

hanging

on . . .

.

.

.

I’m

hanging

on . . .

.

.

.

f

o

r

the

next

way

.

t

o

.

drown . . .

.

.

.

I’m

hanging

on . . .

.

.

.

t

o

all

.

o

f

.

those

roads,

leading

.

t

o

.

newer

lows . . .

.

.

.

I’m

hanging

on . . .

.

.

.

f

o

r

the

glow

.

o

f

.

hope

.

t

h

a

t

.

swallows

.

t

h

e

.

soul . . .

.

.

.

I’m

hanging

on . . .

.

.

.

I’m

hanging

on . . .

.

.

.

I’m

hanging

on . . .

.

.

.

t

o

a

song

I

know

.

i

s

.

wrong.

Reflection: This was a forgotten but moving personal struggle-themed poem I wrote back in November of 2023 where the affected party cannot seem to find a path to longstanding joy, peace, and happiness. He/she repeatedly experiences the lows of life in multiple ways but there is hope in that the sufferer is still holding on and might find a way to create brighter future at some point.

I wrote most of this poem by listening to the wonderful, haunting gem of a song “Politik” by Coldplay which I played repeatedly in the background to create the “moodset” for (and inspire) the writing of the poem. If you listen to the song at low volume while reading this poem, you might better get the “feel” of it.

A BREAK IN THE CLOUDS: THE RETURN OF LOW-RISK SAFE HAVEN INVESTMENTS VIA THE BOND MARKET

For the first time in nearly 3 years, I am starting to return to the “low-risk, safe haven” bond market and bond fund/ETF investments. I wrote about the risks previously in January/February 2021 (TWO BIG INVESTMENT CONCERNS RIGHT NOW: RISING BOND RATES AND RISING INFLATION | BRIGHTER DAYS LIFE COACHING® and STORM CLOUDS ON THE HORIZON: THE BOND MARKETS AND THE “LOW-RISK SAFE HAVEN” FACADE | BRIGHTER DAYS LIFE COACHING®). Since writing those posts nearly three years ago, longer-term bonds and bond funds/ETFs have dropped 46% which is very unusual for the bond market when considering its longer-term history as a low-risk, safe haven investment – these losses are more typical of a stock market decline than a bond market decline. Due to this outsized drop and other factors, longer-term bonds and bond funds/ETFs have now become very attractive in my opinion – and I will continue buying into them on any future weakness.

Some of the reasons I think longer-term bonds and bond funds/ETFs might be a good investment going forward include the following:

1) The high interest rates (and the corresponding low bond prices since interest rates and prices on bonds are inversely related) is likely to make the United States (and other nations) inclined to provide less fiscal support and/or higher taxation in future years due to the higher cost of servicing debt – inflation would be another contributor to this,

2) The hesitancy of the Federal Reserve to provide as much economic support in the future as they have in the past in terms of interest rate reductions and Quantitative Easing (QE) for buying bonds and such,

3) a deteriorating economy and corporate earnings due to the combination of the above two factors which is likely (at some point) to result in substantial stock market declines and corresponding gains in low-risk, safe haven investments such as bonds and bond funds/ETFs. Much of the gains experienced in the stock market tend to be earnings, economy, and policy related.

These are some of things I’m seeing on the horizon right now. Lots of things to ponder and position for – especially since historical, low-risk, safe haven investments seem to be poised to regain their previous luster in the years to come. As such, perhaps one of the better longer-term investment strategies might be to start buying into longer term bonds and bond funds/ETFs.

For perspective, take a look at the 10-year, 20-year, and 30-year treasury yields (prices move in the opposite direction of yields) which had been falling for 40 about years but are now starting to normalize a bit. The last time they went up consistently was during the 1960s and 1970s but are now starting to rise again.

The bottom line is the prices of bonds and bond funds/ETFs are starting to normalize a bit which means substantial gains could be experienced by bond market and bond fund/ETF investors in the years to come. So, it might be wise to start positioning accordingly.

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 #bonds #bondmarket