Risk and Time

Have been spending a couple of hours early morning to do trading.  It was fun and financially rewarding.  Earning a couple of thousands every other days.  The goal of 3M asset should be reachable in 2015.  That is the financial goal I set myself years ago, with a believe that with 3M, even just draw the everlasting 4%, will be enough for my very modest life style.

But I have to look at the cost.  These precious hours are spent on analyzing, trading, calculating stocks.  Is that meaningful?  Does it help me to achieve my mission of

Love,
Learn,
and Serve?

Should I put those hours into growing the schools and companies?
Should I put those hours into writing that might have a wide audience?
Should I put those hours into research that can benefit the world?
Should I put those hours into cello and enjoy the beauty of music?
Should I put those house into exercise so I felt more energetic and healthy?

Don't know, but maybe searching for meaning is the meaning we've been searching.

2015 outlook

Stock is getting to be expensive.  During the last few days, I have sold all my stock holding other than AIG.  It is predicted that the "Mega Cap" might be the way to go. 

2015 to buy - Apple, Google, Chinese

2015 not to buy - New Tech, Small cap, Alibaba

I am still buy in and out of ERUS - betting that oil price to go back up to $70 and tension in the Eastern europe well ease over the year

I am still interested in BAC, it will do well in a enviorment with interest rate increasing

I will refinance all my properties with interest rate higher than 4.5% to its maximum amount, so I should be able to get $500K out of them.  I will put them to work in acquiring other real estates and stock

I will put the maximum in to tax deferred account

- $5500 in IRA1 -$6500 in IRA2

- $28000 in 403.b

I will work with Blake to start a trading company, perhaps in Hong Kong, I will be a partner of the 2/20% company, I will be the first client with many be $25K, the best sinerio will be 

Company income

income 2% x $25K = $500 

profit 20% x 100% x $25K = $5K

Company expense =  $2000

company profit = $3500

mine = $1750+ $2000

To take some risk, try Russion natural gass Gasprom