Sunday, December 30, 2012

Where are the weekly updates?

There is a good reason I've been quiet as of late...

EDIT: At the time this blog entry was posted I had a Youtube video here. That has been removed but I want the rest of my content to be remain. Nothing hidden no past mistakes ignored. All out in the open.

I lost track of how many times friends have brought up that they know they need to put money away for retirement but they don't want to get into all the math and research.

A reboot of the Model Portfolio will add a lot of benefit for another reason I do not think I was clear about in the video. The three sub accounts of the new Effort Parity Portfolio can be independent strategies on their own. If you want to only put in the minimal time but still want good returns there is something for you here. If you are interested in stock picking I'll continue to have updates and thoughts about that. If you want something in between, a combination of all three or want to ignore the other sub accounts then that works too.

These will be fantasy demo funds. For these three I will NOT be putting my own real money into them.

Lastly, and this is highly important to me, I will be leaving up all the old videos and blog posts. I hate when people try to cover up their past mistakes. ERF will be there for everyone to see no matter when you start following me. I find its also important because as viewers and readers, you really should know what the person was doing in the past. How do we react to news and events. How do we recover from mistakes. How to we gain experience and grow.

Disclaimer: The investments and trades in my videos and blog entries are not recommendations for others. I am not a financial planner, financial advisor, accountant, or tax adviser. The financial actions I talk about are for my own portfolio and money and only suited for my own risk tolerance, strategy, and ideas. Copying another person's financial moves can lead to large losses. Each person needs to do their due diligence in researching and planning their own actions in the financial markets.


  1. Look forward to the rebooting process. I sense this will take your blog in a good direction.

  2. I have a lot of faith in you and I believe that 2013 is going to be a great year for you my friend. 2012 was a good year for me but I have made many dumb decisions that just happened to work out. I respect you for keeping all of your videos up and running. I can't wait to see whats next!

    1. Thanks for the kind words. Nice thing about mistakes and dumb decisions. We get smarter and better at this when we have less money at risk then our future selves.

  3. Hi there. I watch to your videos on a regular basis and like what you are doing. An observation: Looking at your portfolio, you seem to do very well with blue chip dividend champions (AFL, ABT, MCD, COP, O, WMT) which are high quality and stable. It's the exotic investments (WHZ, ERF, AGNC, TCAP) which makes this a bit more difficult. I have had the same experience with my investing. These "exotic" companies are harder to understand and harder to value. The unknowns seem to be greater. Why not just stick with high quality companies that are stable and predictable? Should the average investor really own ERF or TCAP? Or perhaps should they buy MCD, WMT, AFL and then hold them for years?

    I see your point on ETFs. The average investor is not going to have the interest or time to research individual stocks so I think that makes sense. The average person should not be trading at all in imo. I'll be looking forward to seeing where you take this blog. I do hope you'll still have discussions about the great dividend stocks (MCD, PG, KO, CVX, JNJ, ABT, etc.)

    I'll be staying tuned to see what changes you're going to make. I really like your video approach!


    1. Oh I'll still talk about dividend investing. Its my passion and I'll never give that up. And even though some arent into it and only want low effort investing... some out there are wanting to know more about specific stock picking so I will want to offer something for those types.

      Picking exotic companies. My original thought was that they offer higher yield but if I research them then I'll be able to pick good companies. Problem is that the more exotic a company the fewer investors watching and that brings up the chance that inexperienced yield chasers are going to jump in and out without fully knowing what the company is about. Fewer investors also means fewer opinions I can get to see if I missed anything in my analysis.

  4. I really liked your approach so far and hope you keep the good work up.