This guy makes it look easy, the back of the head starts at 2:22. (He is probably more flexible than we are.)
YouTube
yes, it would be easy if my hair looked like that. Since I'm going bald on top, I leave it full on sides and back and then just trim the bottom.
It's getting the bottom even that worries me. With thinning hair from chemo, cutting it shorter is recommended.
thanks Don.
Randy, congratulations on anniversary. :thumbsup:
and for advice not requested...at our age, the number one factor in portfolio performance is not what mutual funds you pick but the mix of them, the ratio
of stocks to bonds. You can still get good long term yields with an equal balance of both. I hope your investment advisor went over this carefully with you.
Investing is like a six lane interstate highway, the fast lane, the middle lane and the slow lane. The faster you go, the harder you crash. In your 50's and 60's you need to be in the middle lane, say a 60/40 equity/bond mix. At 70, time to slow down. I still average 8 percent in the slow lane...which allows me to draw 5-6 percent safely every year. I'd rather earn a little less than lose a third of my money, like in 2008.
You can't just leave it alone, your needs and risk tolerance really do change as you get older. Portfolio analysis was my favorite part of financial planning, I didn't want to manage money for folks, which is why I never earned a lot of money at it, but thoroughly enjoyed evaluating how well client's brokers were doing. Most clients had money invested in multiple places, and had zero idea what it looked like "aggregated", which is what you have to do by putting it all in one place to analyze. I highly recommend Morningstar's 200 dollar software package (annual fee) as it allows you to enter all your holdings in their portfolio manager, from multiple accounts, and then see what you really own. I also think Vanguard offers the best value now, and they will hold non Vanguard funds also for you.
good luck with your fig bush.
