powayseller: good point about the recession and it is one of my concerns; was going to look at impact of a recession / rate increase & decrease but it was getting quite late and my brain wasn’t functioning anymore; having said that, while i share your opinion there will probably be a slowdown or even recession but fact is I don’t know that … using my personal life as an example: when I got married several years ago, the wedding would happen during the typhoon season; my wife wanted an outdoor wedding and I vetoed it … I figured if past pattern tells me the likelihood of rain on the wedding day is high then I got to trust it and if it later turned out to be bright and sunny … oh well … I know I will never hear the end of it for as long as I live but at least I won’t be the subject of a funniest home video

re: investing in october vs spring … I didn’t select spring, the months noted were the ones when the lowest point was registered on the S&P500 during a mid-election year in the past 40 years; I also looked at Nasdaq since 1974 and interestingly out of the 9 mid-election years since then October was the best time to buy during 5 of those years while July, August, and September each took one year.