A Latinos Blog

Opportunities Left Behind –

You know the other I was watching the stock market and of course some of the Metals and I was looking at our dreaded Oil commodity. If you look back a few years ago, say 2009, at the beginning of the year of 2009 Crude Oil was trading $36 - $46, give and take. Now, since them I am sure you see it and have felt it; prices have reached $115 or so. Imagine if you could have enter the Crude Oil stock back in the beginning of 2009, well you can do numbers from 35’s to 100’s…not a bad investment and more importantly a return on your investment.

The thing is that this was the case with many stocks and other investment vehicles. If you had money to invest and I know many of us did not, but if you did you could have been in a better position at the moment. I thought about it and yah if I would have taken the step to maybe take out a little from my 401K, and invested in one of the nice stocks or other vehicle, then I could have been in a better position.

I understand that it is HIGHLY recommended that you never take out of your 401K, but statistically as many times as individuals change jobs, most individuals never put it into a CD, IRA or something, instead the  money usually goes towards supporting the time that they did not have a job. So, why not while you know you have a steady job, take some out and invest. You end up paying your self back through your paychecks and with interest paid back to you….I know many don’t agree, but I am only stating an option…not the best option. I know what if you get laid off, you have to pay the loan back immediately or you will need to pay taxes on what you took out. I am only suggesting to do it, if you are confident that you will have the job at least until the loan is paid. Maybe set the payment plan to 2 years…thinking that maybe you’ll still have the job in 2 years…depending…I guess to each individuals circumstance.

But if you have been with a company for 5+ years and you are a valuable team member, then why not take some out and invest in something. Yah, I know it is water under the bridge the opportunity has left us, but maybe if we look closely at the market, another one will present itself. You know what I don’t know, I am thinking probably out-loud and something I wished I would have done, who knows…I see all these possibilities, they seems to always repeat themselves and we end up passing it by, or maybe I simply do, the thing is can’t let the next one go by and I am confident that there will be another opportunity.

Anyhow, I do appreciate you stopping by and reading my babbling, I share my ideas and thoughts only as an optional purposes, when they are good ideas I say so, if they are risky then I say again…simply use my babbling as another bit of information to go on. Remember we all need to keep our ears open and eyes peeled, because opportunities are all around us, we just need o learn to listen, but most importantly make sure it’s a legitimate opportunity and good investment.

Till next time, Latino Man signing off, “Be Safe, Be Adventurers”.