The Dependability of Cycles

April 18, 2017

The one thing we can count on is that equity markets are cyclic.  The market declines are always temporary and a recovery (historically) has always followed.   Ben Carlson provides a few thoughts on how to think about market cycles.


Time is Worth More than Money

…. and having a lot of time left and not enough money increases the value of money.  So, as in most things in life, managing time and money becomes a balancing act.  The gold figure at the top of this newsletter is an appropriate reminder.

Graphic inspired from “The Behaviour Gap – Carl Richards”

The things we remember and cherish most are the experiences we’ve had with the people we love. To have these experiences we need to plan them, be mentally present during them – and be without worry of work or finances.

Some of us (like me) are natural worriers – programmed by our parents (mother in my case) to assume the worst and expect the worst! I missed a few memorable experiences because my mind was on something I was worried about. For me not to worry I need to have prepared and implemented a plan with all the details that would take that worry away or at least reduce it considerably. Planning and of course implementing and often adjusting my plan has probably been the single biggest factor in helping me eliminate my worry of the future and be able to be present at memorable experiences.

Graphic inspired from “The Behaviour Gap – Carl Richards”

If there is one action I feel adds most to our future success and happiness – to allow us the mental freedom to ensure we can be truly present at memorable times – is to have and be acting on a plan.

Richard Yasinski CFP

“Every decade or so, dark clouds will fill the economic skies, and they will briefly rain gold.”

—Buffett, Berkshire 2016 annual letter (emphasis added)


Global Warming is happening – but is it necessarily bad?

March 15, 2017

One of the more sensitive topics of the day, I continue to research articles about the global warming debate and try to keep an open mind. As a long term planner and one concerned about the environment, this topic is of great interest to me. I recently came across this article by Matt Ridley, an author who has been following the global warming debate for almost 30 years. This long and well researched article reviews the current studies and positions of various organizations on global warming and the impact of increased CO2 levels and whether this is really harmful. If you can make it to the end, he suggests what the cost of debating this global warming issue may really have been to people, our environment and our economy.

Link to article: CLICK HERE

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