Katy Raymond’s Market Timer, Free-Of-Charge For Fallible Readers

What I’m about to share with you won’t help me a bit, but you could stand to gain tremendous amounts of money.

Here’s the deal: Doug and I both work for our own corporation, and let’s just say our contributions to our retirement accounts are sporadic and almost always consist of lump sums rather than monthly investments.

I tend to get a tad nervous when we make a good chunk of change, because that’s when we send in one of those lump-summers. You see, hard won experience has proven to me that THE DAY AFTER our wad o’ cash is placed into a good, sturdy index fund with a long and reliable track record of returning, on average, 11% a year over a gazillion years, the market will drop like a boulder.

The next day, it will drop further. And the next. Lather, rinse, repeat for weeks on end, until your arms go numb or you run out of shampoo.

So. My gift to you, which we’ll just call Katy Raymond’s Market Timer, is that I hereby commit to blogging about my intention to invest in PLENTY of time for you to take all your money off the stock-market table before disaster strikes.

In other Raymond Money News, I recently realized that the personal finance principles I THOUGHT we’d imparted to our children may have missed the mark JUST A TAD.

My daughter Carrie and her new husband Marc opened their wedding cards (checks enclosed!) at our house a few days after returning from their honeymoon. They were thrilled with the generosity of their friends and relatives, but since both of them are fiscally responsible and becoming even moreso, I wasn’t surprised when Carrie counted the considerable loot and said, “This is going to become our emergency fund.”

Emergency fund? I thought that’s what my home equity line of credit was for! Just kidding, really. Kind of.

I felt pretty proud of that girl until she turned to her husband, winked, and said, “Or it could be our emergency FUN.”

Posted by Katy on 08/19/07 at 11:19 AM

Fallible Comments...

Katie--Most of my investing is imaginary as my husband likens the market to gambling. When we go, you can come looking for the buried coffee cans in our yard. :)
Posted by Terri on 08/21/07 at 04:18 PM
Terri--Mmmm....so your money smells good, too! I'd like to go geocaching at your place! (And yes, I just learned what that term meant about a month ago....) Hope you have a good semester teaching those crazy writing students!!
Posted by Katy on 08/21/07 at 04:45 PM
Haha, that is so Carrie! I have been tempted to use ours for vacays but we ended up using it on my car when it died on me. We still haven't gotten it all built back up which stinks but thank goodness we had it when we needed it!
Posted by Lynnell Hayes on 08/22/07 at 11:09 AM
I am glad that I have a good retirement that will keep a roof over my head and food on the table. I don't ask for more, but I have some stocks that have done well and some that have not. I will check in before I buy more :)
Posted by Maria on 08/24/07 at 09:36 PM
Lynnell--I am proud of you guys for hanging on to some $$! It's hard to do when you're newlyweds (or ever...) but you will not be sorry. Tell Andy hi, and it was so nice to see you and your Mom at C's wedding!

Maria--Self-employment is oh-so-great in many ways, but preparing for retirement is NOT one of the ways. We're doing OK, but not as great as if one of us had had a company plan all these years. Still, for your own sake and Bob's, please do check in with me before further investing. Those Homes for the Befuddled can be awfully expensive. You may need every dime!!! ;)
Posted by Katy on 08/25/07 at 06:34 AM
Carrie, You go, girl! You only live once, and emergency FUN is sometimes what life is all about! :)
Posted by Bridget on 08/28/07 at 05:12 AM
There should be an emergency fund AND an emergency fun fund. Ours is labeled Vacation when we actually put money in it. Sometimes it doesn't make sense to me to store all this money for when your older and don't have as much energy and kids, grandkids, etc. instead of living life to the fullest while your young. Sometiems (at least for your own sanity and overall well-being you do just need to get away.
Posted by Lynnell Hayes on 08/28/07 at 08:03 AM
Great write up of this special read. It is on my vacation reading list and I’ll probably situation the ordination on Virago when I return from Lake Tahoe this weekend
Posted by Financial Spread Betting on 04/28/09 at 03:04 PM
Excellent content. Thanks for the ideas. Marketing is a tricky balance, but where would be without it?
I also detest cheap tricks, and it is hard to believe anyone would seriously consider the one you mention.
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Posted by free search the internet on 10/10/09 at 02:15 PM
The bitterest tears shed over graves are for words left unsaid and deeds left undone.Equal opportunity means everyone will have a fair chance at being incompetent.This page is very informative and interesting although often sad and upsetting.
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Posted by apartments for rent in Toronto on 10/17/09 at 01:52 PM
Thanks for the post. What do you all think of the future of blogging? I have been reading a lot about google’s attempt to gain preferential treatment for its site from internet providers. This will result in their sites being faster than sites owned by in.
Posted by philippines shoulder pain causes and cure on 10/20/09 at 12:42 AM
I haven't married yet. So I don't know how complex to be a family yet. But all I know building trust from one to another is the main point. You lie once, then you will lie more..
Posted by Crazy Blogger on 11/04/09 at 11:19 AM
Understanding is key to success in family relationship.
Posted by jonathan stathem on 04/12/11 at 10:29 AM
Stumbled on this post. Interesting read.
Posted by Christian Business on 03/05/12 at 08:41 PM

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Personal blog of christian writer & fallible mom Katy McKenna Raymond in Kansas City, Missouri Katy is represented by Greg Johnson at WordServe Literary Read more Katy at LateBoomer.net Follow Katy on Twitter Follow Katy on Facebook 123 Recent Posts Try Becoming Brenda Starr Off Beat Scattered That’s It So I’ve Finally Signed With An Agent. Now What? The Spoon Sciatica Sweetheart A Woman’s Train of Thought Has No Caboose However much we own, we are all still living on borrowed time After all, when restaurants shrink portions, they don’t shrink prices. As with everything in life, balance is key. Slow down, you move too fast… Yeah, I know. I have issues. Search Advanced Search Syndicate Login E me at katy @ ngenius.com	Katy Raymond’s Market Timer, Free-Of-Charge For Fallible Readers What I’m about to share with you won’t help me a bit, but you could stand to gain tremendous amounts of money. Here’s the deal: Doug and I both work for our own corporation, and let’s just say our contributions to our retirement accounts are sporadic and almost always consist of lump sums rather than monthly investments. I tend to get a tad nervous when we make a good chunk of change, because that’s when we send in one of those lump-summers. You see, hard won experience has proven to me that THE DAY AFTER our wad o’ cash is placed into a good, sturdy index fund with a long and reliable track record of returning, on average, 11% a year over a gazillion years, the market will drop like a boulder. The next day, it will drop further. And the next. Lather, rinse, repeat for weeks on end, until your arms go numb or you run out of shampoo. So. My gift to you, which we’ll just call Katy Raymond’s Market Timer, is that I hereby commit to blogging about my intention to invest in PLENTY of time for you to take all your money off the stock-market table before disaster strikes. In other Raymond Money News, I recently realized that the personal finance principles I THOUGHT we’d imparted to our children may have missed the mark JUST A TAD. My daughter Carrie and her new husband Marc opened their wedding cards (checks enclosed!) at our house a few days after returning from their honeymoon. They were thrilled with the generosity of their friends and relatives, but since both of them are fiscally responsible and becoming even moreso, I wasn’t surprised when Carrie counted the considerable loot and said, “This is going to become our emergency fund.” Emergency fund? I thought that’s what my home equity line of credit was for! Just kidding, really. Kind of. I felt pretty proud of that girl until she turned to her husband, winked, and said, “Or it could be our emergency FUN.” Posted by Katy on 08/19/07 at 11:19 AM Fallible Comments... Katie--Most of my investing is imaginary as my husband likens the market to gambling. When we go, you can come looking for the buried coffee cans in our yard. :) Posted by Terri on 08/21/07 at 04:18 PM Terri--Mmmm....so your money smells good, too! I'd like to go geocaching at your place! (And yes, I just learned what that term meant about a month ago....) Hope you have a good semester teaching those crazy writing students!! Posted by Katy on 08/21/07 at 04:45 PM Haha, that is so Carrie! I have been tempted to use ours for vacays but we ended up using it on my car when it died on me. We still haven't gotten it all built back up which stinks but thank goodness we had it when we needed it! Posted by Lynnell Hayes on 08/22/07 at 11:09 AM I am glad that I have a good retirement that will keep a roof over my head and food on the table. I don't ask for more, but I have some stocks that have done well and some that have not. I will check in before I buy more :) Posted by Maria on 08/24/07 at 09:36 PM Lynnell--I am proud of you guys for hanging on to some $$! It's hard to do when you're newlyweds (or ever...) but you will not be sorry. Tell Andy hi, and it was so nice to see you and your Mom at C's wedding! Maria--Self-employment is oh-so-great in many ways, but preparing for retirement is NOT one of the ways. We're doing OK, but not as great as if one of us had had a company plan all these years. Still, for your own sake and Bob's, please do check in with me before further investing. Those Homes for the Befuddled can be awfully expensive. You may need every dime!!! ;) Posted by Katy on 08/25/07 at 06:34 AM Carrie, You go, girl! You only live once, and emergency FUN is sometimes what life is all about! :) Posted by Bridget on 08/28/07 at 05:12 AM There should be an emergency fund AND an emergency fun fund. Ours is labeled Vacation when we actually put money in it. Sometimes it doesn't make sense to me to store all this money for when your older and don't have as much energy and kids, grandkids, etc. instead of living life to the fullest while your young. Sometiems (at least for your own sanity and overall well-being you do just need to get away. Posted by Lynnell Hayes on 08/28/07 at 08:03 AM Great write up of this special read. It is on my vacation reading list and I’ll probably situation the ordination on Virago when I return from Lake Tahoe this weekend Posted by Financial Spread Betting on 04/28/09 at 03:04 PM Excellent content. Thanks for the ideas. Marketing is a tricky balance, but where would be without it? I also detest cheap tricks, and it is hard to believe anyone would seriously consider the one you mention. <a href="http://www.youronlinetipsource.com/">free search the internet</a> Posted by free search the internet on 10/10/09 at 02:15 PM The bitterest tears shed over graves are for words left unsaid and deeds left undone.Equal opportunity means everyone will have a fair chance at being incompetent.This page is very informative and interesting although often sad and upsetting. <a href="http://www.irentcanada.ca/">apartments for rent in Toronto</a> Posted by apartments for rent in Toronto on 10/17/09 at 01:52 PM Thanks for the post. What do you all think of the future of blogging? I have been reading a lot about google’s attempt to gain preferential treatment for its site from internet providers. This will result in their sites being faster than sites owned by in. Posted by philippines shoulder pain causes and cure on 10/20/09 at 12:42 AM I haven't married yet. So I don't know how complex to be a family yet. But all I know building trust from one to another is the main point. You lie once, then you will lie more.. Posted by Crazy Blogger on 11/04/09 at 11:19 AM Understanding is key to success in family relationship. Posted by jonathan stathem on 04/12/11 at 10:29 AM Stumbled on this post. Interesting read. Posted by Christian Business on 03/05/12 at 08:41 PM Page 1 of 1 pages Commenting is not available in this weblog entry. Next entry: Baby Got Bad Back Previous entry: You've Got To See This!!! << Back to main


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Katy Raymond’s Market Timer, Free-Of-Charge For Fallible Readers

Personal blog of christian
writer & fallible mom
Katy McKenna Raymond
in Kansas City, Missouri