April 15

Post 802, Day 105 of 2013
 - and 836 days since I started this blog -

Daily Comment

It is difficult for me to stay centered when I hear various end-of-the-world (or, at least, end-of-Western-Civilization, end-of-America, or economic devastation) predictions.

I have my meager savings invested because the alternative is a simple almost-0% savings, or the equivalent of keeping your money in a mattress, or worse, a bank.

I only have a checking account for expenses. Anything extra gets saved in an investment account, with little in cash.

The risk I assume - that of actually losing rather than gaining or even maintaining my savings - isn't of the type that I lose sleep over, but I think many people would.

I know what it is like to lose money that's been invested. My investments are very conservative, as a consequence.

So far, it has all been good. My investing, which began a little less than 30 months ago, had a goal of earning 4% per year. I have a spreadsheet where I try and predict expenses against income, and I put my starting amount in, to see how much I might accumulate by the time I hit my retirement date.

I have actually earned almost 10% per year, annualized, and have far exceeded my retirement goal with almost 3 years to go.

Today, I had a very bad day with my investments - the worst in this investment period. But, I am still far above my goal amount at retirement.

So, yes, I sleep well. My retirement estimates only include the income from pensions and Social Security. Any savings at all that I have put away between now and then, only serves to keep me more comfortable, more able to enjoy my non-working years.

At least, that's the plan, Stan.

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 Food and Diet Section

First-half year 2013 daily weight

Today's Weight:         208.6 lbs

Yesterday's Weight:     207.8 lbs

Day Net Loss/Gain:      + 0.8 lbs

Diet Comment

The only way that happened is because of eating dinner very late.

Food Log 

Breakfast
Cocoa-kale-hemp-chia protein shake: Almond milk, kale, cocoa, hemp seeds, chia gel, an extra-large egg, vanilla whey powder (24g protein), cinnamon, vanilla, psillium and stevia-inulin blend.

Lunch

Roasted turkey, black beans, Spring Mix, cole slaw blend, and balsamic vinaigrette.

Dinner

Pepperoni and cole slaw. 


Snack

Hard-boiled eggs and pepperoni. 

Liquid Intake   

   Coffee:  30 oz.   Water:  128+ oz.

Please leave a comment if you visit my blog. Thank you!