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