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10 Questions to Pounder to Live a Life of Clarity

Welcome to my bathroom. I’m in the shower. This is where I think well.

There is a thought-inducing power that the warm feeling and soothing sound of constant water showers have on the mind of a person.

As I think through life’s most important and challenging questions, I humbly realize that just because I’m asking the questions doesn’t mean I know all the answers.

Therefore, in that spirit, I will now list some questions for you that I hope offer you more clarity as you travel through life.

If you have ideas or answers to any of these questions, leave them in the comments below. Anything is welcome.-

1. What makes playgrounds so incredibly appealing to children?

2. What keeps a person in a particular routine?

3. Why do we find it challenging to keep our living space organized?

4. Why do some people continue destructive behavior, even after seeing the destructive nature of their actions?

5. Why do some consider education or learning as work or a chore?

6. Why is work considered bad?

7. What is the difference between focusing on a solution versus the problem?

8. Do “cliques” still exist during adulthood?

9. What are we making excuses FOR?

10. Why do we take more than we give?

If you have ideas or answers to any of these questions, leave them in the comments below. Anything is welcome.

Happy poundering.



Vital Investments To Watch in 2017

Top investments change as trends in the market shift.

Don’t get overwhelmed. There are investments that are tried and true, earning investors consistent dividends every year.

These include, but aren’t limited to, the following:

-Stock Market: Index Funds

-Product: Real Estate

-Natural Resource: Oil

The shifts in investment sectors are due to the mentality of the investor environment and, what and where everyone is placing their money. When an investor places money with an investment, they are trusting that the presumed asset will increase in value in a way that will earn them a profit in some form. That could be equity, cash dividends, positioning, leverage, and collateralizable assets.

Some see this as gambling. And, In some ways it is.

What I’ve learned is that when someone says they know the market, they could be completely full of bull. Here’s why: The market shifts due to the the mentality of millions of investors in the United States.

Can you predict the actions and the mental/emotional states of million of Americans? Neither can I.

This is why predicting the market is so challenging and is, at it’s best, educated guessing based on some qualifying factors. These factors are:




-Internal Industry Conversation


-Corporate Alterations

Now that we have the basics covered, let’s get to how we will strategize for 2017.

Below, I have listed the top 10 investments to look to place money with in 2017 and, why they are important. They are in no specific order.

  1. Select equity sectors: For U.S. investors, U.S. financials and healthcare should benefit from less burdensome regulation; while U.S. tech should experience tailwinds from new areas of spending like cloud computing. For non-U.S. investors, Asia Pacific real estate investment trusts offer attractive yields relative to government bonds when compared with global averages.
  2. Amazon: The online merchant is currently testing out a sensor-based purchasing experience physical store with their employees. The value of the company is going to continue to climb as the store continue to hit home run innovations that are disrupting the historic shopping experience.
  3. Alternative Investments: In 2017, returns from listed equities and bonds will probably be moderate. Select investments within hedge funds and private markets, whose returns are less correlated to listed assets, are likely to help diversify portfolios.
  4. U.S. senior loans: The asset class currently yields 4 percentage points more than investment-grade corporate bonds, making it attractive even if default rates rise to long-run averages.
  5. Marijuana Industry: Yes, it’s turning into an industry. We are seeing spikes in manufacturing companies that produce hydroponic devices that are used to grow marijuana legal in states like Colorado and California. The suggestion is that investors take note of these companies and plant some of their investable capital in with these silent industry leaders.
  6. Foreign Emerging Markets: A recent Thomson Reuters Lipper fund flows report shows that emerging-market equity was the most popular option among European investors in September, with about $4.5 billion in inflows. That was followed by more than $2.6 billion in emerging-market bonds at No. 2.
  7. Emerging Market Equities: Low global interest rates and stabilizing GDP growth and commodity prices should provide a continuing boost next year.
  8. Technology: This would include the typical suspects like Apple, Google, and Samsung. Unless you’ve been living out in the woods, you can feel the momentum these tech companies are gaining. Every year new phones, computers and, connectivity is increasing at (almost alarmingly) fast rates. Before long, you will see all sorts of expansions into how we live with our technology. Technology investment is very solid. Especially if the tech company has a proven track record of knocking new innovations out of the park.
  9. U.S. Treasury Inflation-Protected Securities: TIPs should benefit from potential fiscal stimulus and higher wage growth, in addition to the stabilization of commodity prices.
  10. Many commodity investors have called the bottom on prices of oil, metals and other materials. That includes legendary commodity trader Jim Rogers, who is a believer in both the bottom we’ve seen in oil and in emerging markets like China and Russia. Other bottom-callers include ratings agency Moody’s, which acknowledges that many related stocks may still feel the burn, but that overall prices of the commodities themselves will chug higher. For emerging markets that remain dependent on commodities, this is undeniably a good thing.


“Finally, investors will need to consider trends and asset classes that are less affected by policy. Ongoing urbanization, technological innovation, population growth and aging are creating long-term opportunities in a number of areas, such as equity and impact investments in emerging market healthcare. If they wish to protect and grow their wealth effectively, investors should diversify broadly across regions, asset classes, and longer-term themes as well as embracing ideas that should serve them well in the year ahead.”Commentary by Mark Haefele, global chief investment officer at UBS Wealth Management, overseeing the investment strategy for $2 trillion in invested assets

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