Pawleys Investment Advisors post-election commentary on WMBF News NBC Affiliate

Does the outcome of the 2012 election affect Coca Cola’s sales of Diet Coke?  Does it alter the ability of the County of Charleston, South Carolina to pay its interest and principal obligations on its general obligation school bonds?  Pawleys Investment Advisors helps investors build portfolios of high quality investments that will perform well in a myriad of economic and market conditions.  This holds true the morning after the 2012 elections, whether you are a Democrat, Republican, or Independent.  Coca Cola has increased its dividend to shareholders for each of the past 50 years, regardless of whether a Democrat or a Republican held the oval office, nor whether the Senate and/or House of Representatives was predominantly Democratic or Republican.  Stay tuned for more as we reveal how pending tax changes affect portfolio construction considerations.  A big “thank you” to Alex Holley of NBC news affiliate WMBF of Myrtle Beach for being a wonderful hostess this morning.

© 2012 Pawleys Investment Advisors, LLC.  All rights reserved.

More Turtle Guidance from Pawleys Island

Amazing, inspiring, incredible, overwhelmingly emotional.  These are the ways I have heard people describe the spectacle of turtle hatchlings scurrying from their nest near the dunes out to the ocean.  This Tuesday, out of pure luck, I was able to watch the hatchlings for the first time.  Words and pictures cannot begin to convey the powerful experience.

The story began a few months ago on an early morning when a momma loggerhead crawled out of the Atlantic Ocean onto the north beach of Pawleys Island.  She dug out a cavern near the high water mark in which to lay her eggs.   The eggs enjoyed approximately 80-90 days of toasty Carolina sun warming the sand that protected them.  Fast forward to the late hours of this past Monday night, and the baby loggerheads were ready.  They knew the time was right and they wriggled up out of the sand to head for the ocean to start their journey.  The loggerheads are born along the southeastern coast and then they hit the surf and swim several miles out to the gulf stream.  From there, they swim several hundred miles to the Sargasso Sea where they gobble jelly fish and grow strong.  Hopefully, they do not get stuck here too long becuase it could turn into a bad airport layover experience, or even worse.  They then swim all the way to Newfoundland and over to the Azores near Africa.  Finally, the turtles swim back down to the Bahamas.  I think the turtles may each take slightly different migratory routes, but you get the idea.  After a couple of decades, and they are ready to reproduce.  It is believed that the mother turtles return to nest on the same beaches where they were born.  The journey is thousands of miles, and the turtles do not even receive any frequent flyer miles.  Only 1/10,000 survives the incredible journey.  This is why the mighty loggerhead is an endangered species.  They face ghost crabs and seagulls when they are first born, and when they are older they face eels and sharks, just to mention a few of the many predators.  Turtles may die if they become tangled in plastic debris or old fishing nets.  If you think navigating the investment markets is difficult, think of the turtles’ journey!

On Tuesday morning, someone found a baby turtle in the parking lot for one of the public beach access points on Pawleys Island.  Note: the parking lots are in the opposite direction of where the little loggerhead was trying to go.  The wonderful volunteers from S.C.U.T.E. arrived and searched the dunes near the nest for hours.  They rescued 32 baby turtles, tucking them into their pockets to keep them warm and safe.  The turtles were totally worn out, because they had wandered the dunes all night trying to find their way.  The temperatures were very cold overnight, which exhausted the little babies.  The sea water is 78 degrees this week, and Tuesday morning the low temperature in the air was in the 50’s.  The poor turtles wandered around the dunes all night, because they had lost their way to the ocean.  Why would the turtles, who have enough smarts and instinct to make the journey all the way around the Atlantic to Africa and then back down to the Caribbean, get disoriented making a short 100 yard crawl to the crashing surf?  Someone left their porch lights on in a beach house.  Usually it is a courtesy or safety gesture to “leave on the porch lights,” but it can be disorienting and deadly along the beach for baby loggerheads.  Thankfully, the turtles were collected and kept warm in a dark closet all day on Tuesday so they could rest up for the 2nd attempt to begin their journey.  It is safest for the tiny turtles to swim out to the gulf stream at night, because during the daytime their profiles on the surface of the water are visible to predators from below.  At 5:00 Tuesday evening, the turtles were brought back to where their nest was located.  Here they are in their temporary housing from Tuesday:

Baby Loggerhead Turtles from Pawleys Island

Here is their nest.  The orange mesh protects the nest from predators.  You can see the hole where they dug out of the sand the other night:

Loggerhead Turtle Nest on Pawleys Island

32 baby turtles scampered down the sand Tuesday night.  They got tossed around by the surf but their persistence is almost mechanical.  Once they started swimming, every now and then their tiny black heads popped out of the water as they caught their breath.

They took mine away.

Love at First Sight

Love at First Sight – Baby Pawleys Loggerhead

The next time you take a piece of information and consider using it as the basis for an investment decision, make sure it is not a “porch light” that may actually end up misguiding your investment dollars.  Be persistent and mechanical in your process and it will improve your results.

invest right, live right…and if you haven’t had the opportunity yet, I hope you can see the baby loggerhead turtles some day.

© 2012-2016 Pawleys Investment Advisors, LLC.  All rights reserved.

“Younger Next Year” and “invest right, live right”

I finally found the book that reveals the secret fountain of youth.  Yes, you can turn back your age clock and significantly enhance how you live during retirement.  Not surprisingly, it outlines all the things that we know we should do, or not do for that matter, at any age.  Work out (note: not just exercise, work out) six days a week.  Avoid eating too much and stop eating junk (shocker: have  lots of fruits and veggies, whole grains, non-fat dairy, fish, some chicken).  Stay positive and invest in your relationships and community.  Spend less money than you have coming in.  I love it!  The most difficult part of my job is watching people age.  The tagline “invest right, live right” is intended to show the critical importance of being physically, emotionally and spiritually healthy.  It means just about everything to our quality of life.  If you are a millionaire and your body is falling apart, all of your planning has been for naught.  A friend once told me “getting old sucks.”  As I preach with investing: focus on what you can control.  Consider a membership to the gym or hiring a nutritionist as a critical part of your investment planning (having a personal trainer is far more fun and interesting than staring at a boring copy of a long term care policy sitting on your desk).

From the book: “70 percent of premature death and aging is lifestyle related.  Heart attacks, strokes, the common cancers, diabetes, brittle bones, most falls, fractures and serious injuries, and many more illnesses are primarily caused by the way we live…we could eliminate more than half of all disease in women and men over fifty.  Not delay it, eliminate it.”  Wow, powerful.  Work out 6 days a week, eat better, stay in touch with everyone, put work aside for a few days and go volunteer, and save more money.  Nice, I am off to put on my running shoes to run my River Club neighborhood loop!  For real.  As soon as it stops raining (totally kidding, I am going now!).  invest right, live right…right here in Pawleys Island.  Hopefully the healthcare system we have in place 30 years from now will be irrelevant to me, because my goal is to not have to use it very often.


Please try to read this book.  I learned a lot and my short article here does not do it justice.  The science sections are fascinating, the skiing stories are fun and the language is witty.  Oh, and I read it in one evening, it is a breeze.

“Younger Next Year” by Chris Crowley and Henry S. Lodge (there is a version for men and a version for women).

© 2012 Pawleys Investment Advisors, LLC.  All rights reserved.