Milestone: Solar Project 32034.78/0

It’s been almost a year since I completed the 8.4kw Solar Project. So far this year, my electric bill was always at negative values. Last month was -$165, meaning I’m producing surplus electricity and feeding it to the grid instead. 

Solar project is not for everyone. The location of the property is a huge factor and also the size of your house and how much money are you willing to invest for the future. In my case, I spent a bulk amount for the project now and doing so will make me run my house with no electricity bill. In my computation, the Solar investment will break even in 9 years.

Today is a milestone, I made the 32k disappear.

Milestone: 518 MCAT

I had been quite for sometime now, purposely. I just want to stay on the sidelines for now. So many things going on around me internally. My wife is still in the deeper water of her grief recovery and is contemplating retirement. I welcome surprises in life and this event is one of those. I’m not afraid, I am excited instead. Maybe this event is the catalyst for my life after 50.

I wrote this letter to my 21 year old son the night before he took his MCAT and would like to share this to everyone. 

The result is not to expand an ego or anything else but just a way to keep tabs of what is going on with my life around me

June 6, 2017

Dear Brent:

I just want to say a few words to you before you take the exam. I understand that this is a pivotal part of your life but not career/dream ending. You’ve chosen to take this path, you’ve contemplated, you’ve studied, you’ve burned your midnight candle, you’ve done your practice, you’ve performed many practice test, your GPA showed your capability and you know what you can do.  

Please ponder on these few items.

 1. Delete anxiety, no need for it. Anxiety=Importance x Uncertainty x Powerlessness. The only variable that is really in play is Powerlessness but then you’ve already proven that you are capable.

 2. I have zero expectations from you and Brittney. All I really wanted from you guys is that you “try your best” and I know that by heart that both of you are doing that.

 3. “Just jump in the water” and you will figure out what to do. You’ve done enough preparations already. Just do it.

 4. Enjoy the moment. Watch Brent take the test, it’s fun. They call this self-awareness or mindfulness. All the things that you’ve studied are there inside you, all you have to do is recall it.

 5. Sleep and eat well. You burn a lot of calories. Make sure you have food and water. You need a lot of calories and water.

Dad


Chemical and Physical foundation of Biological Systems, 128/129, 86%

Critical analysis and reasoning skills, 128/129, 90%

Biological and Biochemical Foundations of Living Systems, 131/132, 99%

Psychological, Social and Biological Foundation of Behavior, 131/132, 99%

Total MCAT=518, 97%

Milestone: 1001996.67

1001996.67 20150318: Tuesday 2209
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Tools You Need
Top Fidelity Multual Fund Search
MyopicLossAversion-ReadMe First
JAGLX-2015ReportBinder.pdf
Simulator-PersonalFinance.xlsx

Evaluating Mutual Funds
NAV-EvaluatingMutualFundsCorrectly.pdf
1. Don’t use NAV to determine buy/sell
2. Use Morningstar Stock Analysis Rating – Star Rating [pick 5 stars only]
3. Pay attention of the Funds Objective and Strategy
4. Use Sharpe Ratio, > than is better
5. Use Standard Deviation, < than is better
6. Use R2, performance matched benchmark, 0 is better, 1 is matched
7. Use Beta, <1 is not sensitive to market [good], >1=sensitive to market
8. Use overall performance of $10,000.00 chart
9. Compare to S&P the $10,000 performance overtime
10. Use management fee information, <1 % is good.
11. Use 3year, 5year, 10year consistent performance
12. Use inception date information, older=better
13. Use fund manager tenure, older=better
14. Use turnover rate information, bigger value=more trading activity
15. Use No Load Information, never pay for any transaction

Book Reading List
Mindmap-BookSummary-ThinkingFastSlow
Mindmap-BookSummary-TheWarrenBuffetWay
Mindmap-BookSummary-25HabitsOfHighlySuccessfulInvestors
MindMap-Investing-12RulesOfInvesting
Mindmap-BookSummary-Mindset

Tags: Finance
https://blindcaveman.wordpress.com/tag/finance/

 

 

10-Year look at the market – S&P 500 Index, Health Care Index and JAGLX during the 2008 market crash
S&P 500 Index- dropped –37%
Health Care Index –23%
JAGLX  – 10%

 image

 

10-Year look at the market – S&P 500 Index, Health Care Index and JAGLX Year 20150425
S&P 500 Index-increased by +79%
Health Care Index-Increased by +147% 
JAGLX-increased by +262%%

image

 
 Browser Bookmarks On Investing
1. BusinessWeek
2. Bloomberg
3. Business Insider
4. Morningstar
5. Forbes
6. SEC
7. MSN Money
8. JAGLX-Chart
9. SPX
ETrade
Fidelity
Fidelity20STDv
FidelityHealthcare
NetBenefits
MerrillEdge
OneAmericaLoneStar
SEC.gov | Company Search Page
JAGLX Info
TRowePrice
401(k) Frequently Asked Questions
Fidelity Investments: Site Search
Fidelity Learning Center: Fundamental Analysis Archive
How Should An 18-Year-Old Get Started In Investing?
Merrill Edge Learning Center – Investor Education > Creating an Investment Strategy
Download Calculator
Why Merrill Edge – Online Trading and Investing, Streamlined
Merrill Edge – Profile: .SPX – S&P 500 INDEX – Charts
Quote-TRowe Site
Bullbear Buffett Stock Investing Notes: Tools
DOW THEORY
The Intelligent Investor
The Graham Investor
Gajizmo – Personal Finance Advice
FedLoan By SLoan
Navient Bt SLoan
S&P 500® – S&P Dow Jones Indices

ReadMe Articles:
https://ucfocusonyourfuture.mysecurebenefitsportal.com/financialfitnesslibrary/resource/85
https://www.mysavingsatwork.com/taxexempt/assets/370190_FidelityBrokerageLink.pdf
https://www.fidelity.com/insights/investing-ideas/overview
https://www.fidelity.com/insights/investing-ideas/the-right-way-to-pick-a-mutual-fund
https://www.fidelity.com/insights/investing-ideas/7-stocks-for-the-next-15-years
https://www.fidelity.com/insights/personal-finance/4-key-numbers-in-your-financial-life
https://www.fidelity.com/insights/investing-ideas/how-life-stages-shape-investing
http://en.wikipedia.org/wiki/Rule_of_72
http://www.moneychimp.com/features/rule72.htm
http://www.moneychimp.com/features/rule72_why.htm
https://www.khanacademy.org/economics-finance-domain/core-finance/interest-tutorial/compound-interest-tutorial/v/the-rule-of-72-for-compound-interest
What Are Mutual Funds
Type of Funds
Fidelity Mutual Fund Research
Top Fidelity Funds
Evaluating Investment Rate of Returns
Personal Rate of Return

Picking a Mutual Fund
Step 1: Determine why I want or need a new fund
Step 2: Find the funds or ETFs that meet my needs
Step 3: Learn the story of the fund
Step 4: Compare the fund to its peers, then check returns
Step 5: Choose the finalists, read the prospectuses, check with the analysts
Step 6: Check under the hood

Picking a Stock for Long Term Investments
[Not all stocks, however, are suitable long-term buys. A company you expect to be wedded to for 15 years should have six characteristics:]
1. a product that can endure and aren’t fads
2. a history of leaders who can adapt
3. a strong balance sheet
4. a benign competitive environment
5. a track record of innovation balanced by vigilance against taking on too much risk
6. a strategy that looks beyond the next year and certainly beyond the next quarter.

4 Key Financial Finance Health Index
Credit Score
Retirement Savings
Emergency Savings
Net Worth

Fidelity Account Health Checklist:
1. Check the current balance.
Go To Your Fidelity Account->Account & Trade Portfolio->Statements->View Online Statements->Select YTD->Click Retrieve Statement
2. Check the current Personal Rate of Return. [Do this in December of each year]
3. Understand Rule of 72. [use spreadsheet below to simulate]
4. Create a Brokerage Link Account to have more investing choices.
5. Get Top Performing Mutual Fund List
[Fidelity Fund List By Performance]
[ETrade Fund List Screener] Select-All Groups, Performance-5Year Top20, ShowMe 4-5 Stars, Check-NoLoad/No Transaction Fee, View Matches, Click Export to Excel
6. Exchange low performing funds from your research.
7. Fund Brokerage Account
8. Invest Brokerage Account with Top Performing Funds
9. Repeat Step 1 to Step 7 every 90 Days

Excel – Simulator-PersonalFinance.xlsx
https://dl.dropboxusercontent.com/u/80421698/Simulator-PersonalFinance.xlsx

Related Finance Topics:
https://blindcaveman.wordpress.com/tag/finance/

Netbenefits Health Check [individual performance]
1. Login to https://netbenefits.fidelity.com/NBLogin
2. Click the Portfolio Position Link [top right area]
3. Click each Ticker Symbol [+] sign to view the performance of each investment.

Netbenefits Health Check [overall performance]
1. Login to https://netbenefits.fidelity.com/NBLogin
2. Click Quick Links–>Transaction History–>Summary-Year to Date Change
3. Click Quick Links–>Transaction History–>Investments–>Performance & Research

Milestone: #22, #23 Extraction; Day 1011

I lost 2 teeth today [20130408]. #22 and #23 due to bone loss.  Milestone: #22, #23 Tooth Extraction

46 years old . . . 
     or 559 months old
     or 2430 weeks old
     or 17012 days old
     or 408288 hours old
     or 24497312 minutes old
     or 1469838777 seconds old


Health Stats
Weight-180lbs
BP-110/76
Heart Rate-57bpm
FAT%-20.2
BMI-29.6