Samurai Predictions And Resolutions For 2010

It’s amazing how quickly time goes by.  Usually, I get nostalgic this time of year, reminiscing about all the memories over the last 12 months.  Not this year.  Let us remember that we went through an economic blitzkrieg in 2009, and I am so glad it’s over!

The one thing I am really hopeful for is a rebound in employment. Over the past 3 months, I’ve encountered so many positive job data points in my industry from friends and acquaintances on the job front, I’m absolutely hopeful those who are seeking jobs, or better opportunities will find them in 2010.  Companies always over fire during downturns, and therefore have to scramble to rehire in this upturn. Below are five more predictions you don’t even have to think won’t come true!

FIVE PREDICTIONS THAT MOST CERTAINLY WILL COME TRUE

1) Inflation remains tame and therefore interest rates remain low. There’s really only one figure I check frequently, and that’s the US 10-year government treasury yield. The 10-year yield tells us so much: sentiment of the bond and stock market, inflation outlook, fear or greed, mortgage rate direction, and what foreigner’s are getting in return for funding our debt.  The 10-yr yield will not breach 5% this year, and credit will therefore continue to be very cheap.

2) The US dollar strengthens. Literally nobody agreed with the post “A Weak Dollar Doesn’t Matter Folks!” and that’s fine by me.  Now you know why a weak dollar doesn’t matter, because I’m bullish on the dollar, and the weakness is only temporary!  Look for the USD to strengthen against the Euro and the Yen in particular.  Given the Yen will weaken to 95-100, I’m bullish on Japan as a macro trade as well.  And no, I’m not biased because of the word Samurai!

3) The US markets do not double dip.  Instead, they continue to rebound. Specifically, look for the S&P 500 to rise 13% to 1,265 and the Dow to 12,000.  There is still hundreds of billions of dollars in money market funds which have missed this rally, and 2010 is when liquidity rushes into the markets.  You don’t have to be too cute in this market recovery, since it is largely liquidity driven.

4) The most hyped IPO of the year will be Facebook, creating several new billionaires, and hundreds of new multi-millionaires in the San Francisco Bay Area.  SF-based Twitter doesn’t go public, but instead, gets bought out with the richly valued stock of Facebook or another media titan.  There’s no doubt once Facebook goes public, they will go on a buying spree, enriching even more innovative companies around the Bay Area.  SF-based LinkedIn is the dark horse, with a current perceived market valuation of $1 billion.  Seems pretty paltry compared to FB, and so I think they wait another year to ramp up more subscribers until analysts value the company closer to $2-3 billion.  SF property prices continue ticking higher as new wealth seeks multi-million dollar homes, and dollars fall from the sky!

5) The Samurai Fund outperforms the S&P 500 index by 300 basis points (3%)! The 15+ entries so far are wonderfully unique, and everybody has done a great job in putting their synopsis together.  With controlled randomness in picking names, each team member has a critical roll in keeping abreast of their names and providing opinions on whether to add to their positions or reduce.  Due to the outperformance, the Samurai Fund gets noticed by finance sites we never imagined would care about our tiny corner of the universe, and the team achieves fame!

GOALS FOR 2010

1) Make a million bucks. Yes, it’s a lofty goal that I’ve failed every year, but that doesn’t stop me from trying!  The income can come from private equity investments, stock market, salary, rental income, and other, such as winning the World Series of Poker!  Setting lofty goals forces the mind to constantly think of new ways of surviving, while motivating me to work hard everyday.

2) Win a tennis tournament. I got beat by a 60 year old (!), ex Davis cup player in the semi-finals of a tournament this year due to a right calf cramp.  If I beat him, I would have won the tournament.  Disappointing, because my opponent was about to keel over at 5-5 in the 2nd set and give up.  It’s not good enough to have skill, and mental fortitude if your body can’t hold up.  So really, winning the tennis tournament is a physical health resolution of eating right, working out, and staying injury free.

3) Meet 36 new people, or 3 every month. It’s really a joy meeting new people, be it in person or online and hear their story.  We can learn so much from others, no matter their background or age.  I will keep a log of who I meet, and write 3 things I’ve learned and admire about each new person.  The solution to “If I knew then, what I know now” is to simply seek people who’ve been where you are heading already and listen to them!

4) Try and always see the good in others. In “Everything Is Rational, The Answer To All Things Irrational”, I highlight a more peaceful way of thinking that soothes my raging soul.  It’s important to stop taking slights/rejections personally, and just keep having fun.  It’s very easy to be overly critical of others and act like a meanie, which is not the way I want to live my life.  We shouldn’t try and impose our will on others.  Avoid associating with “black clouds,” those people who are naturally pessimistic and grumpy by nature!

5) Stay consistent, but not obsessive with this site. Any publisher will tell you that producing consistent content over the long run is hard.  This is why I really admire all of you who have started a website, no matter how big or small, as well as those who comment regularly!  It’s also important not to get addicted to blogging to the detriment of family, friends, and work.  From 7am-7pm on weekdays my personal e-mail and Twitter account will continue to be off.

Guest post submissions are always welcome.  And even if they are declined, know that someone will accept it.  You can always publish on your own site too, like I plan to do for one of my rejected submissions from 3 months ago (too controversial they said)!  There are no subscriber, comments, revenue goals for the site.  The only thing I wish for is progress, my one word definition of happiness.

6) Put an acoustic album together of 10 songs I can play, sing and record. I’ve had my Martin Acoustic D-16 guitar for 10 years now, and it is in perfect shape because I don’t practice enough!  Current songs on the list include: Black Bird by Paul McCartney, Every Rose Has Its Thorn by Poison, Five String Serenade and Fade Into You by Mazzy Star, First Day of My Life by Bright Eyes, Nothing Left to Lose by Matt Kearney, More Than Words by Extreme.  Need three more!

7) Learn to cook three delicious dishes for each meal of the day and put together a menu. Breakfast is easy.  Lunch a little bit harder, and dinner the hardest.  A resolution I talked with my wife about two years ago since she was so gung ho about cooking then.  Unfortunately, the enthusiasm sputtered out, so I’m going to do it on my own, and hopefully inspire her to make her own menu.

8) Save at least 50% of my 2010 gross income and build the “Freedom Fund” to at least $200,000 by year end. You can consider the Freedom Fund as my net worth barometer.  The traditional net worth calculation is an illusion. Cash and cash flow are the only things that matters!

IN CLOSING

Thanks everyone for coming to visit my small piece of cyberspace.  It’s been extremely fun getting to know many of you.  The mutual knowledge sharing has been fantastic.  Please continue to challenge my thoughts until the blue fin tuna swims home, because without debate the mind will ossify.  May the majority of your goals come true in 2010!

Happy New Year!

RECOMMENDATION

Invest In Ideas Not Stocks: Motif Investing is a terrific company based right here in the San Francisco Bay Area. They’ve raised over $60 million dollars from smart investors such as JP Morgan and Goldman Sachs because they are innovating the investment landscape with their “motifs.” A motif is a basket of 30 stocks you can invest in, which are aimed to profit from a specific idea or underlying theme. Let’s say you think new housing construction is going to quicken in the US next year. You could buy a housing motif which might contains Lennar, KBH, Home Depot, Bed, Bath, and Beyond, Zillow, and more in various weightings.

You can buy a basket of 30 stocks for only $9.95, instead of buying them individually for $7.95 through a typical broker. You can build your own motif, buy one of the motifs created by Motif Investing, or buy a motif by a fellow Motif Investor with a great track record. You can even buy retirement motifs, much like target date funds, except you don’t have to pay the 1% management fee. You get up to $150 free when you start trading with Motif Investing. Given my focus on buying winning long-term ideas and ignoring the short-term volatility, I really like Motif Investing’s value proposition for retail investors.

Updated on 12/1/2014. Let the bull market continue. Just don’t forget to rebalance.

 

Sam started Financial Samurai in 2009 during the depths of the financial crisis as a way to make sense of chaos. After 13 years working on Wall Street, Sam decided to retire in 2012 to utilize everything he learned in business school to focus on online entrepreneurship.

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Comments

  1. says

    Worryingly I agree with virtually all your financial predictions. Even your Facebook and Twitter stabs seem reasonable, although a bit more random.

    Of course the market could lurch down for a good reason or not, like I could any time, but I am still comfortable at these levels that the risks are more on missing out.

    Your meeting people goal is an interesting one. A good way to force yourself to say yes, if you’re like me and you’re too inclined to say no!

    Good luck in 2010, you’ve made an explosive start with the site as I keep saying. :)
    .-= Monevator´s last blog ..My 10 rules to stay sexy and save money =-.

  2. Gordie says

    Make a million dollars sounds nice. It will be interesting to see how close you come. All the best. Have a great 2010!

  3. Jesse says

    Another potential ipo under the radar is Newegg.

    You could also add – create a blogging dynasty. You allude to this in your “meet new people”. It seems like your site has made the transition from student to teacher.

    Keep up the quality articles and all the best in 2010.

  4. says

    I liked all of the financial predictions — I hope your optimism is correct.

    But the one that resonated with me was to try to see the good in people. I It’s very easy to eloquently pick people apart and point out their flaws (to yourself, to other people, or both). But obviously everyone has faults, and at the end of the day, where does this raging criticism get you? Nowhere but alone, wondering why people think you’re a drag.

    So good luck with these, and I look forward to reading more in the new year.

  5. Mark says

    Nice post. I like your note on the 10 year treasury yield. It’s definitely a great way to gauge market sentiment.

    I’m confused about your position in the dollar though. There is usually some degree of negative correlation between the market and the US dollar. If you think the markets will go up, then consumer’s risk appetite should increase. When this happens, investors will often engage in carry-trades, so they sell currencies with low interest rates (JPY & USD), and will buy currencies with higher interest rates (NZD, AUD, EUR).

    Best of luck with the million dollar mark and the tennis tournament. I’m also trying to take a USTA 4.5 tournament this year. Unfortunately, indoor courts are hard to reserve consistently, so my winter game is never as good as the summer. Good luck in 2010!

  6. says

    “1) Inflation remains tame and therefore interest rates remain low.”

    Yes BUT… I predict the 10 year WILL be above 5%. Keep in mind the 10 year is way too low compared to it’s history. 5% is more the norm.

    Most others are pretty easy to agree with.

    My predictions:
    1. Gold at $1500/oz – Because of all of the deficit spending.
    2. Fed rate is at 2% by year end – curb inflation.
    3. CPI for next year is at 4%.

    I’ve also posted ten year goals for myself:

    http://investorjunkie.com/2010-is-here-wheres-the-monolith
    .-= Investor Junkie´s last blog ..2010 Is Here! Where’s the Monolith? =-.

  7. says

    Don’t really know too much to comment on your financial predictions, although I’m presuming the 5th was a joke :)

    I did like 2 of your personal goals: meeting new people and seeing the good in others. Too many times, I’ve been guilty of nagging about the bad when there’s so much good around me, and it just drags you and those around you down after a while. I think I’ll incorporate that goal myself – thanks for the inspiration! and have a happy new year!
    .-= thriftygal´s last blog ..Year end stats =-.

  8. says

    If the US dollar strengthens as you predict, US equities would inevitably take a hit. It seems the most recent rally is in part due to the devalued dollar. If the dollar strengthens, those people will pull their money out. So which is it? I love your goal of meeting new people. PS: I would love to author a guest post for your site. Happy New Year!
    .-= FinanceDad´s last blog ..Things that you shouldn’t buy cheap =-.

  9. says

    The solution to “If I knew then, what I know now” is to simply seek people who’ve been where you are heading already and listen to them!…We shouldn’t try and impose our will on others. Avoid associating with “black clouds,” those people who are naturally pessimistic and grumpy by nature!

    My sense is that we are not in 100 percent agreement re how the stock market works, Sam. But these two observations are smart smart, in my assessment.

    You can always publish on your own site too, like I plan to do for one of my rejected submissions from 3 months ago (too controversial they said)!

    You have an open invitation to post anything Too Controversial for the Rest of the World at my blog, Sam. You’ll have about a kajillion more readers if you post it here. But if for some reason you ever want to go the other way, the offer is out there for you. I hate Black Clouds and I dig Controversial.

    Rob
    .-= Rob Bennett´s last blog ..“Fixed Income Should Equal Age, BUT Adjusted Up or Down Depending on Valuations” =-.

  10. ctreit says

    Best wishes for 2010 and for reaching your goals. “See the good in others” is probably the most difficult one and an ongoing challenge, but as you say “setting lofty goals forces my mind to constantly think of new ways of surviving and motivates me.”
    .-= ctreit´s last blog ..Does your family budget have room for a PupStep Plus? =-.

  11. says

    MONEVATOR – Thanks man. I actually seldom say ‘no’ to the opportunity to meet someone. If you think about it, each person has something they are quite knowledgeable about, be it a musical instrument, science, whatnot. It would be silly of me not to learn from them!

    The Facebook and Twitter stabs are certainly not random. What’s the one thing they all have in common? They are all private, and they are all San Francisco based. I’m writing about the boon these companies will have for the SF Bay Area, which is where I’m based.

    GORDIE – Resolution #1 will definitely be hard, and the odds are against me, but who knows! More fun than saying, ‘earn more this year than last” right? Not sure if I will reveal to the world if I do succeed, and that’s the subject of another post!

    MATT S- Thanks. Sometimes it’s hard to see the good in others if all I do is disagree with their view point. May you attain all your goals too!

    JESSE – Donno much about Newegg, so I’ll have to take a look! Unless, you want to give a brief preview here! A blogging dynasty sounds a little too far fetched, and I’d be embarrassed to write that! I will always be a student, forever!

    JOEL – Yes, being overly critical gets very annoying. I will stand up and continue to voice what I think is outrageously wrong. But, in terms of specifically criticizing people, I don’t feel I have a place to change people’s ways how I see fit. It’s not my place.

  12. says

    Mark – There is that degree of negative correlation, but I’m of the belief that that correlation is too little to overcome the greater picture, and that is the US consumer and economy is rebounding, earnings are accelerating again, and as a result, foreigners will seek to purchase US assets (stocks/real estate/etc) thereby increasing the demand for the USD, resulting in the appreciation of our currency.

    Japan, on the other hand, still has dismal growth, and b/c its a relative UNDERPERFORMER to the US and other parts of Europe and Asia, the yen will depreciate. And once the Yen depreciates, investors will pile into the markets due to its huge export biased companies.

    Gluck in your tennis tournies too!

  13. says

    EVAN – Agreed, that’s why I just took out the portion on thinking about more structure for my M-S posting schedule. When it starts to feel like work, I’ll quite and go play!

    Thanks for some great posts this year, as well as some good insights on tax law!

    INVESTOR JUNKIE – I’m happy to have a fun bet with you about the 10Yr not closing above 5% in 2010, and taking the under on gold at $1,500/oz, as well as the Fed funds rate not reaching 2% by end of year. CPI at 4% seems reasonable, and if we’re there, I’m pretty sure the Fed will allow for more inflation than less, to keep the employment recovery going!

    Will check out your predictions too. Cheers!

  14. says

    THRIFTYGAL – The #5 prediction about The Samurai Fund outperforming and the team getting famous is NOT a joke at all! I’m quite serious that this quarter or year long experiment will evolve to be something very intriguing for finance buffs. It’s an original concept, fun, and provides community involvement. It may not outperform, but what if it does……. what if it does.

    The Samurai Fund will be a great learning experiencing for all who submitted and readers alike. The only skill it takes is for someone to follow directions and be a little creative :) I truly believe it may take a life of its own, and more people will want to participate as well. 15 ideas is not really a diversified fund, and it probably has room for 50 names, but managing that gets cumbersome. Good luck in 2010 and thanks for your thoughts!

    FINANCEDAD – Not sure why you think foreigners would want to pull money out of the US markets if the USD is perceived to continue strengthening. If the US dollar is perceived to continue strengthening, MORE foreigners will pile into our markets, because when it comes time to convert their US shares, into their local currency cash, not only will they have the performance of US equities, they will have the performance of an appreciating US currency!

    If I’m Japanese, and buy US$100 of Microsoft at $30 when the exchange rate is $1:Y100. Let’s say MSFT goes up 10%, and the USD appreciates by 10% to $1:Y110, what’s my REAL RATE OF RETURN in Yen? It’s more like 20%.

    And sure, a guest post would be welcome. Feel free to email me at your convenience to talk about an idea. Best, Sam

  15. says

    Neal – I’ll definitely do a reverse blog roll just for you! However, I donno how, care to show me (seriously! haha)? I can add the word “A”, to make it “A Wealth Pilgrim” to get you to the top!

    I’m sure you’re doing great. You’re in the great hills of Southern California! Takes some coin to live up there!

  16. says

    Still thinking of when is the best time to publish your guest post. I still don’t fully understand it, but maybe the community can help me understand after it’s published!

    You’re not the only one, Sam. I obviously believe what I wrote with my entire heart, mind and soul. But I start from different premises than the premises underlying the conventional investing wisdom of today. So there are a good number of good and smart people who just cannot make sense out of what I say.

    If you end up not feeling comfortable running it, there will be no hard feelings on my end. And if you want to criticize what I say in an introduction or something, that’s also 100 percent okay by me. If you go with it and you or others have questions, I’ll of course do my best to respond to them effectively.

    My personal belief is that the fact that some get it and yet a great number do not indicates that it is important that we talk about it. But that’s what someone coming from where I am coming from would say, isn’t it?

    Rob
    .-= Rob Bennett´s last blog ..“Fixed Income Should Equal Age, BUT Adjusted Up or Down Depending on Valuations” =-.

  17. says

    I agree 100% with your predictions! Especially the Dow hitting at least 12,000 prediction!

    I think I’ll try some of your goals (or at least a version of them), I like them all, but I’m not much of tennis player anymore (I only played a few times last year)!

    Another great post! Thanks for getting me excited about next year!

  18. says

    My only resolution is my weight. But I have a number of other objectives.

    There is only one goal I think you might fail at, being obsessive with your site. You won’t hurt your family or friends you have too good of a soul. But you are also a little OCD and that is why you are able to accomplish so much. Use it to your advantage and make the million!

    I love the fact that you set stretch goals for yourself, the world would be a better place if more people would do this. We are all capable of so much more yet we waste the opportunity!
    .-= LeanLifeCoach´s last blog ..2010 A New Year and A New Plan =-.

  19. says

    DON- Sounds good man. You don’t have to play tennis, you can shoot to win any sports prize, it’s so fun! Do you have sports leagues in your area? It’s seriously the most fun joining a league in basketball, tennis, soccer, etc. HNY!

    LEAN – I really hope I fail at being obsessive with this sight! I hope i have the strength to NOT publish often, even though there’s a huge back log of posts. I will fail at this goal, but thanks for the good intentions!

    ps. what’s up with the javascript: void(O) error, so that we can’t press “Reply” or “Quote” any more in the comments section? Computers! lol.

  20. says

    Did you say you got your *ss beat in Tennis? ;-) J/K. I bet it was a good game.

    I love your goals for 2010 – especially your personal #5. I had to kick back a bit because it can get addictive to always do something or rather with your blogging site & it surrounding components. I like your rule for 7am – 7pm. I think I am going to have to do something similar. I was considering setting up a schedule – it would require me less time to maintain/blog but would produce more results. Go figure! LOL. Happy New Year.

    BTW: I look forward to the S&P rebounding and not double dipping.
    .-= Money Funk´s last blog ..How to Make $100,000 in the Next 6 Months & Book Giveaway =-.

  21. says

    MONEY FUNK – Sounds good! The addiction is overwhelming, argh! Setting up a schedule is going to ruin your fun in blogging. Don’t do it!

    Hope you make the 100K from Tim’s project!

  22. says

    Hmmm, I’ve never checked about any sports leagues… My wife and I talked about joining a mixed couples tennis league a while ago, but never did. This summer, I’ll have to look into that.

    Thanks for the suggestion!
    .-= Don@MoneyReasons´s last blog ..Happy New Year! =-.

  23. says

    DON – Playing mixed doubles by June this year is one of our goals. Joining a tennis league is seriously one of the most fun things I’ve ever done. The camaraderie, competition, training, fun. It’s awesome! You guys will love it!

    btw, u getting a javacript: void(0) error too when trying to hit the “Reply” button? I gotta fix that.

  24. says

    #4 Is my favorite! Learning to be less judgemental in a culture that pretends perfection is achieveable, elitism is cool, and that money and it’s trappings are the key to happiness is a real challenge. My day job puts me in contact with some pretty rough operators, but unless you are dealing with a sociaopathic sadistic rage killer, most people in my experience have good in them, even if they are reluctant to show it. And compassion and kindness can actually make you healthier as well as happier.

  25. Len Penzo says

    I like your optimism, Sam! I hope your predictions turn out to be correct. :-)

    However, I have to say that I can see no reason to be bullish on the US Dollar when the Fed continues to destroy its value with its relentless and unprecedented money printing campaign.

    Maybe the dollar will rebound this year. Maybe inflation will be kept in check in 2010 – but the fundamentals will eventually catch up with both and then the fit will hit the shan, so to speak.

    Trust me. The fundamentals always win out in the end, just like they did at the end of the dot-com and housing bubbles.

    I preached this same story to anybody who would listen in 2006, 2007 and 2008 and for the most part it fell on deaf ears too.

    We now have a debt bubble that is waiting to go boom.

    Unless the Fed pulls a rabbit out of the hat and finds some way to effectively sop up the trillion-plus dollars they have printed up over the past 18 months, not to mention the trillions more they’ll need to print over the next 3 to 8 years to pay for the current Administration’s spending plans, things are going to end very badly for the US Dollar and we’re all going to the worse off for it.

    I hope you are right, my man. :-)
    .-= Len Penzo´s last blog ..The Magic 8 Ball Makes Its Predictions for 2010 =-.

  26. Charlie says

    Nice! I think all of those are very believable. And I would LOVE to see the dow get to 12000!! And also really hope the unemployment numbers go down down down. I’ve also heard buzz about more firms hiring in the last few months, so that’s a good sign.

    The new year snuck up on me very quickly this year so I didn’t make as many resolutions as I normally do, but one of them is simplifying my life and donating more to charity. I’m off to a good start already with a slightly late but successful boxing day today. Already have 3 bags of kitchen ware and linens ready to go to goodwill.

  27. says

    LEN – Thanks for your thoughts. There’s NO DOUBT in my mind that at least 4 out of the 5 predictions will be correct! :)

    Regarding housing, prices are down about 10-15% in San Francisco, even after all this. There’s so much wealth here, and w/ Facebook, Google, Twitter, LinkedIn, Apple etc just killing it now, I don’t see the wealth dissapating anytime soon.

    2010 predictions don’t care about the long run. In the long run, nothing really matters!

    Lennar Corp to the moon!

    CHARLIE – That’s great about the 3 bags of stuff to giveaway! I may have to look in my closet and see what I can give away too.

    I’ve lived a pretty lean life so far, and don’t buy tons of stuff upon stuff, just what I need. My wife takes like 70% of the closet space, and we have a HUGE closet! :)

    HNY!

    Sam
    .-= admin´s last blog ..Everything Is Rational – The Answer To All Things Irrational =-.

  28. says

    Hey good buddy! Nice post and great goals! One of my unspoken goals this year is to visit you over here more often than in 2009. (I know that’s not saying much, but on the bright side I am already tied with that number in 2010!)

    I love reading your work man! Keep up the great writing style and super content!
    .-= Brad´s last blog ..My 2010 Comprehensive List Of New Years Resolutions =-.

  29. says

    You gave a bright predictions here and I can see that they will be as you predict. You do have a lofty goal, yet I believe you can achieve them. It’s all up to us to make things happen into our lives. :-)

    • says

      Hi Walter! Thanks for your thoughts. Yes, I’m a large majority of the time an optimist. Optimism is the only way to go! Thanks for visiting, I’ve gotta go check out your latest thoughts too. HNY!

  30. Jesse says

    @ Lean Life Coach

    In my own gym there was a small print out on the news board with a great quote

    “Doing only what is average keeps the average down”.

  31. says

    Good on you, Sam! I do agree on some of your predictions but I’m not entirely sure about #2. When the market risk appetite increases, investors tend to put their money on risky, resources-based currencies such as AUD and NZD. Here in Australia, we’re talking about up to 2% interest rate increase in 2010. Normally this would have positive impact on the local currency. However, being the biggest economy in the world, everybody wants the US economy to recover and (obviously) it has bigger impact globally compared to our tiny economy. So, your prediction might come true. I might need to start buying USD now.

    Good luck with the Samurai Fund, the million bucks, the new friends, the tennis tournament, the gourmet dishes, the freedom fund and oh yes, the acoustic album. Are you going to record them and post them here? C’mon, you already put it out there, might as well do the whole she-bang :).

    Cheers.
    .-= Bytta @151 Days Off´s last blog ..Day 2: Budget Review, Part Deux =-.

  32. says

    FS–I love the balance in your resolutions! The closer we move to a balanced life the happier we are, even if not all the components are in sync. You’re right not to put all of your goal eggs in one basket.

    The million dollar goal is the best one, not just because it’s monetary in nature. It’s one of those goals where even if you don’t hit your mark, you’re still heading in the right direction and will undoubtedly be better off for it by year end. A large bankroll–large being different for each person–is mostly about freedom and that’s always a worthwhile pursuit in a world where everyone wants a piece of our time and money.

    Good luck on all of your resolutions!
    .-= Kevin@OutOfYourRut´s last blog ..One Good Reason NOT to Cancel Your Collision Coverage =-.

  33. chubbuni13 says

    All very lofty and worthwhile goals, FS senpai. I’m somewhat on the opposite side of most of your predictions. That being said, I’m not bearish enough to be unhappy if the economy recovers: just extremely cautious.

    I especially liked Goal #6 as I have a D-18, and I know how to play most of the songs you had listed… the only exception is the outro to “More than Words” that they always cut out of the radio edit. Are you going to try for the legit version?
    .-= chubbuni13´s last blog ..The Bride of Frankenstein is Our Gardener =-.

    • says

      Hey Chubbuni13 – Sorry you are so bearish! It’s more fun being bullish. D-18, nice! The problem with playing, is not so much playing anymore, but singing well enough and playing. Need some voice work! lol. Yes, legi version.

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