Investing in Bond Funds vs. S&P 500

This post looks at investing in Bond Funds vs. the Stock Market. 

For investors that invest in bonds (not bond funds) they will argue that you should put your money in bonds because bonds mature and bond funds do not. This means if you buy a bond and it sinks in value (as long as it is good quality) the bond will mature and you will get all of your principal back plus the interest earned.   This is very true, but when it comes to 401K Investing you are limited to of course the funds in your 401K.

Setup: Looking at 3 portfolios using Vanguard Bond Funds and SPY.  (one bond fund, two bond funds, and the S&P 500) we will examine returns.

What we see over the long haul is what are are familiar with, that is, the Stock Market has the highest return.  But when you look under the covers what you see are gut-wrenching downturns, and measures that look at investment risk / reward the stock market has a worst risk / return ratio than simple buy and hold bond funds. 



Law of Attraction Audiobooks

I released and update to the audio book app called "Law of Attraction Master Class" for Android and iPhone. These audio books are the basis for much of the modern thoughts on the Law of Attraction and self-help genre. 

Audiobook Titles Include:
* Acres of Diamonds – Russell Conwell
* As a Man Thinketh – James Allen
* Foundation Stones – James Allen
* The Game of Life – Florence Shinn
* The Law of Attraction – Willam Atkinson
* The Science of Getting Rich – Wallace Wattles
* The Victorious Attitude – Orison Marden
* Think and Grow Rich – Napoleon Hill

Get it on Google Play

Get it on the App Store

JavaScript Encapsulation

I have been writing so much more JavaScript /jQuery the last couple of years with the boom of HTML5.

These newer Websites and Mobile Apps (Hybrid Apps) use JavaScript at the core. The Hybrid Apps are basically 100% code from JavaScript even the data layers and entities.

I have created jQuery plug-ins in the past, but more and more now I approach my code by encapsulating JavaScript.  This is required to create a good separation between all the JavaScript in modern apps to avoid any collisions. 

There are two approaches I have been using to create Classes in JavaScript to Encapsulate code. These "classes" in JavaScript can be setup as objects you instantiate or as static JavaScript classes. 

The following Screen Shot is a Test HTML Page to test calling JavaScript Objects and Named Function Expressions. (HTML File Attached)  Encapsulation.html (4.14 kb)

I. JavaScript Objects: Just like in C# or Java create an object from a JavaScript "Class". This way you can instantiate an instance of this class. 

var myUtil = new utilityObj();
var returnVal = myUtil.getMessage(testValue);

// JavaScript Objects (Instantiated Class)
function utilityObj() {
    var localValue;

    // Get Message Public
    this.getMessage = function(value)
	//set private value
	localValue = value;
        return getPrivateMessage();

   // Get Message Private
    function getPrivateMessage()
	return localValue;		


II. JavaScript Named Functions: I like to think of these as "Static Classes" for JavaScript. You can call the functions in this class without instantiating an instance of the JavaScript class. 


// Named Function Expressions (Static Class)
var utility = function () {
  var value = "Default Message";  

  function runPrivateFunc()
     appendToDiv('runPrivateFunc()', '');

  //Public Functions Here
  return  {     
    //Set Message Function
   setMessage : function (val) {
	value = val;		
	appendToDiv('Exp Test A Set:', val);
   //Get Message Function
    getMessage : function () {
       return value; 
  }; // End Return