Cash to Half

As of yesterday, cash is up to around 50% of the entire portfolio.

I know I mentioned on Monday that it was at around 30%. I’ve been eyeballing how strong the bounce from the bottom of the recent correction has been. I guess I’m not feeling as great about any sort of continued melt up. Upon reflection, I think I’ve been trading in and out for a little while because I don’t believe deep down the narrative that everything is rosy and the market will continue to march higher and higher.┬áSo I’ll sit in cash, earning about 0.9% interest and wait.

Stocks are expensive relative to history. The 10 year US Treasury continues to go up. I will be cautious. If I’m completely wrong, as I said 3 years ago, I will just index everything to the total stock market and forget about playing fund manager.

Only advice I have is to do as I say (index, DRIP, and forget) and not as I do (what I’ve just written about).

Enjoying the Present with Added Risk

I really like beer. Like, I really like beer. From light, crisp pilsners to dark, heavy stouts, I love the symphony of flavours, smells, and sensations. The problem is… it contains alcohol. Alcohol isn’t the greatest thing for your body above certain dosages. From everything I’ve read on the current knowledge of safe drinking levels, it seems like under 2 cans of beer per day is what is considered safe for the average person, but who knows. On most days, I indulge in a can of beer or two. Is this safe? I’m not sure. And thus the dilemma: do I abstain completely, knowing that abstinence will cause no risk from alcohol, but perhaps decrease enjoyment in life, or do drink my beer or two a day, enjoying myself with the added risk of potential health issues arising way down the line? Do I value enjoyment in the present with added risk or do I decrease enjoyment but take on no risk? My feelings have sided with the former, but I’m always chewing it over.

Infograph from Adioma.

Market Correction February 2018

So I wrote this super long, rambling post exceeding 1000 words, listing all sorts of various trades and fairly esoteric math that only I would probably understand about opportunity cost gains and losses in the portfolio. I realized at the end of it, I didn’t really want to hit that publish button. So I think the compromise is to keep this as simple as possible.

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Changes

I’ve deleted my mailing list, so those of you who were getting emails will no longer be getting them.

I’ve deleted commenting, so if you want to get in touch with me, find me on Twitter.

I’ve deleted ads, so there will be no annoying ads telling you to buy Viagra or take out lines of credit.

I’ve deleted a bunch of other backend things and have simplified as much as possible.

All the things I’ve deleted have felt like a burden, and it made me lose interest in writing.

Now, with all those burdens gone, I can just write again.

About anything I damn well want.

The Power of Asking: See Ya Later Bluehost, Hello BigScoots

I guess I was a little complacent. After renewing with Bluehost at the beginning of the year, a reader emailed and told me that I should ditch Bluehost for a different hosting provider. This was actually a solid idea, although complacency and sheer laziness had me not wanting to do anything further than renewing with Bluehost. I took a look around at one of the recommendations, BigScoots, and it honestly looked a million times better than Bluehost, and it was cheaper, and it allowed a 2 year contract.

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The Power of Asking: The Bluehost Renewal Saga Continues

I can’t believe it… how has 3 years gone by already? It honestly feels like it was just last year that I wrote about how to haggle for better hosting fees upon renewal… I guess I must have been in my 20s when I wrote about that, because I definitely am not in my 20s anymore. Yes, I know I wrote a little reminder to write more back in November and then proceeded to not, at all. 2018 is the year. It probably won’t be focused too much on finances. Anyways, that 3 years of hosting was up in a few days, so I decided to get in contact with good’ol Bluehost to see if you could still negotiate a better price than the sticker price. Come see the chat screenshots.

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A Reminder to Write

This is really just a note for myself to get back and do a proper update since the last time I wrote. I’ve been around, just not around here. Sometimes you just don’t feel like doing something – for me, that’s been writing for the last while. That might be changing. Lots of new books read, got some thoughts on those. Places traveled. Nose is great after almost exactly one year. Eyes are also great after about 8 months. I feel like a cyborg… kind of. The more major thing is that we’ve started – very slowly – on the path to creating a business. I could go on about the whole process from the conception of the idea until now: getting the business name through the government, setting up government tax accounts for a small business, learning the Capital Cost Allowance structure for depreciation rates, purchasing initial core equipment, trying out other pieces of equipment, and on and on. We meant to write small posts on this whole process from the very start but haven’t… so this is my reminder to get caught up to this point writing about all of that, and then consistently journal the journey. Other than that, stocks and stuff doing well, I guess I could write something about that as well at some point.