Margaret's Musings: Welcome Year of the Horse!
In Chinese communities around the world, families will begin celebrating New Year's eve for the Chinese Lunar New Year, A.K.A., the "Spring Festival," as it is known in China. Chinese New Year is celebrated for 15 days and is the longest and most important Chinese Holiday. The year of the >Fire Horse officially starts on February 17th and ends on February 5th, 2027.
Review and quick primer of Chinese New Year’s mythology and traditions
(regular readers can skip this section)
Recommend you see video:
The Myth behind the Chinese Zodiac
The Chinese zodiac is made up of 12 different signs (all animals). In addition to the 12 signs, the calendar also includes 5 elements (earth, metal, water, wood, and fire) which have a strengthening or moderating influence upon the signs. Hence, in total, the Chinese calendar goes in a 60 year cycle (12 signs multiplied by the 5 elements). This is the Fire Horse year.
There is an interesting legend about the origin of Chinese zodiac. The Jade Emperor wanted to select 12 animals to be his palace guards. He preferred the Ox to be the first for its honesty and diligence, but out of everyone’s expectation, the smart Rat covertly hid on the Ox back and occupied the first place at the essential moment. So, the Ox is the second animal in the Chinese Zodiac.
If you have read my past year Musings, you know an important part of welcoming the New Year is to prepare for good luck and ward off bad luck.
Here are some common dos and don'ts for good luck during Chinese New year. These traditions and superstitions are meant to ensure a prosperous and lucky start to the New Year.
DOs
Clean your home: Clean your house before the New Year to sweep away bad luck and make room for good fortune.
Decorate with Red: Use red decorations like lanterns and couplets to symbolize happiness and good luck (The Starner Group's conference room is a lovely red with red candies for all who visit).
Give Red Envelopes: Give red envelopes (hongbao) with money to children and unmarried adults for good luck.
Wear New Clothes: Wear new clothes, preferably in red, to symbolize a fresh start and good fortune.
Eat lucky foods: Enjoy foods like fish, dumplings, and oranges, which are believed to bring prosperity and good luck.
Pay off your debts before the New Year!
Use fireworks galore - In the old days, bamboo was set on fire, the crackling flames are meant to frighten the evil spirits. Modern day fireworks have taken the place of bamboo but are still thought to do the same thing.
DON'Ts
Avoid cleaning on New Year's Day: Don't sweep or take out the garbage on New Year's Day to avoid sweeping away good luck.
No Unlucky Words: Avoid using negative words related to death, sickness, or bad luck.
Don't Wash Hair: Avoid washing your hair on New Year's Day to prevent washing away good fortune.
No Breaking Objects: Be careful not to break any dishes or mirrors, as this is believed to bring bad luck.
Do not lend or cry on the New Year...as it is thought that anyone who lends or cries on the New Year will be lending or crying all year round (this is how you keep complainers and children quiet).
Do not cut on New Year Day as you might cut away your good fortune.
Review Horse years in the last 60 year cycle
Fire Horse: Jan 1, 1966 - Feb 8, 1967
Inflation Rate USA 2.86%
30 Year Fixed mortgage rate 5.6-6.8%
Dow 12/30/66 872
Miranda v. Arizona — U.S. Supreme Court requires police to advise suspects of their rights
Black Panther Partyfounded (Oct. 1966, Oakland)
The Cultural Revolution Begins (China): Mao Zedong launched the Cultural Revolution
The Beatles' Final Concert: On August 29, 1966, The Beatles performed their last official public concert at Candlestick Park in San Francisco.
The original Star Trek series premiered on NBC
Indira Gandhi was elected as India's first female Prime Minister
First Soft Landing on the Moon: The Soviet Union's Luna 9 landed on the moon and sent images to Earth in February.
First Docking in Space: NASA's Gemini 8, piloted by Neil Armstrong and David Scott, completed the first successful docking of two spacecraft in orbit.
The first ATM was introduced.
How much things cost
Gallon of Gas: $0.30 cents
Loaf of bread: $0.34 cents
US Postage Stamp: $0.05 cent
Earth Horse: Feb 7, 1978 – Jan 27, 1979
Inflation Rate USA 7.59%
30 Year Fixed mortgage rate 9.64%
Dow 12/29/78 805
Camp David Accords signed (Sept. 17, 1978), paving way for Egypt Israel peace treaty
The Year of Three Popes: The Catholic Church saw the deaths of Pope Paul VI and Pope John Paul I (after only 33 days), followed by the election of the first Polish pope, John Paul II.
The U.S. announced it would formally recognize the People's Republic of China beginning in 1979.
The Third Plenum of the 11th Central Committee signaled the beginning of China's "Reform and Opening-up" policy under Deng Xiaoping.
Jonestown mass murder suicide in Guyana (Nov. 18, 1978)
California Proposition 13 caps property taxes (June 6, 1978)
First “test tube baby”—Louise Brown born (July 25, 1978)
First GPS Satellite: The U.S. Air Force launched Navstar 1, the first operational GPS satellite.
Genetic Breakthroughs: Scientists produced the first genetically engineered synthetic human insulin using E. coli.
First Spam Email: The first unsolicited bulk commercial email was sent via ARPANET to over 300 recipients on the U.S. West Coast.
How much things cost
Gallon of Gas: $0.63 cents
Loaf of bread: $0.67 cents
US Postage Stamp: $0.15 cents
Metal Horse: Jan 27 1990 – Feb 14, 1991
Inflation Rate USA 5.40%
30 Year fixed mortgage rate 10.13%
Dow 12/31/90 2634
Iraq invades Kuwait (Aug 2, 1990), triggering the Gulf War
German Reunification (Oct 3, 1990) East and West Germany officially merged, ending 45 years of division.
Dissolution of the Soviet Union: Mikhail Gorbachev became the first executive president of the Soviet Union as various republics began declaring independence
Hubble Space Telescope launched (Apr 24, 1990)
Nelson Mandela released after 27 years (Feb 11, 1990). signaling the beginning of the end for apartheid
Human Genome Project: international project to map all human genes officially began
Americans with Disabilities Act (ADA) signed (July 26, 1990)
How much things cost
Gallon of Gas: $1.15
Loaf of bread: $0.69 cents
US Postage Stamp: $0.25 cents
Water Horse: Feb 12, 2002 – Jan 31, 2003
Inflation Rate USA 1.59%
30 Year fixed mortgage rate 6.54%
Dow 12/31/2002 8,342
The Euro introduced across 12 countries (Jan 1, 2002)
U.S. Department of Homeland Security created by the Homeland Security Act
No Child Left Behind Act signed (Jan 8, 2002)
SARS outbreak begins in China late 2002; WHO global alert Mar 2003
Queen Mother’s Funeral: The UK held a massive funeral for the Queen Mother at Westminster Abbey on April 9 after she passed away at age 101.
China’s Economic Integration: 2002 was China's first full year as a member of the World Trade Organization (WTO), leading to rapid global economic integration.
SpaceX was founded in 2002 by Elon Musk
New England Patriots Victory: In February, the Patriots won their first-ever Super Bowl title in a major upset against the St. Louis Rams.
How much things cost
Gallon of Gas: $1.36
Loaf of bread: $1.02
US Postage Stamp: $0.37 cents
Wood Horse: Jan 31, 2014 – Feb 18, 2015
Inflation Rate USA 1.62%
30 Year fixed mortgage rate 4.17%
Dow 12/31/13 17,823
Russia annexes Crimea
West Africa Ebola epidemic
Malaysia Airlines MH370 disappears
ISIS declares a Caliphate
ALS Ice Bucket Challenge goes viral; $115M raised for ALS Association and ~$220M worldwide for ALS causes
Ebola Outbreak: The largest Ebola epidemic in history began in West Africa, eventually being declared a world health emergency.
Apple announced its first wearable, the Apple Watch
How much things cost
Gallon of Gas: $3.37
Loaf of bread: $1.40
US Postage Stamp: $0.49 cents
Now for 2026
Fire Horse Year
Year of high-energy, transformative, and volatile.
Favors innovation, technological advancements, and proactive, independent actions
The 2026 Year of the Fire Horse (beginning February 17, 2026) is predicted to be defined by rapid changes, bold moves, and intense, "double fire" energy occurring once every 60 years. Will require flexibility as it moves at a fast, often chaotic, pace.
Key 2026 Predictions:
Theme: A "wildfire" pace that rewards bold, decisive action and innovation, particularly in tech and medicine. It marks a major, often uncomfortable, reset for personal and societal growth.
Career & Finance: The energy favors leadership, ambitious projects, and taking risks, but it requires careful management to avoid burnout or reckless, impulsive decisions.
Relationships & Social Life: A passionate, fiery year for romance, but also prone to sudden changes and potential break-ups.
Health: Due to the high intensity, stress management is crucial. The fiery, fast-paced nature suggests being cautious of accidents and keeping active.
Most Fortunate Signs: Dogs, Sheep, Tigers, and Horses are expected to have the most prosperous opportunities.
Embrace Flexibility: Be prepared to adapt quickly to unexpected shifts.
The lucky colors of 2026, Year of the Fire Horse, are red, yellow, gold, and white, which symbolize energy, prosperity, and vitality. Wearing these vibrant, warm, and rich shades helps attract good fortune and aligns with the dominant fire element of the year.
How did Horse get chosen to be one of the 12 Zodiacs
In ancient legend, the horse originally had wings and served as the Jade Emperor’s favored celestial steed. Loved too much and growing arrogant, it caused chaos by trying to force its way into the Dragon Palace and killed the tortoise guard. As punishment, the Jade Emperor removed its wings and imprisoned it under Kunlun Mountains for 300 years.
Over 200 years later, a human ancestor passed by, freed the horse, and the grateful animal vowed lifelong service. From then on, the horse helped humans in farming, transportation, and warfare, becoming an essential companion to humanity.
When the Jade Emperor later chose twelve zodiac animals, humans strongly recommended the horse because of its contributions, and it was accepted.
Your Prognostications for 2026 Fire Horse Year
The Fire Horse embodies bold action, speed, visibility, and rapid transformation.
Yang Fire is linked to the sun and lightning—bright, confident, decisive, and outward driven. It encourages leadership, risk taking, and stepping into the spotlight.
The Fire element adds energy, enthusiasm, and fast progress, while also intensifying emotions. It can bring breakthroughs but also magnify reactions, making patience and self control especially important.
With strong Fire fueling the Horse, 2026 is a dynamic year that supports initiative, movement, and visible achievement. At the same time, its intensity calls for thoughtful pacing to avoid impulsive decisions or unnecessary pressure.
Overall, the Yang Fire Horse year is one of momentum and opportunity—where bold steps can lead to success, but balanced judgment helps prevent missteps.
For Rats born in:
(1936, 1948, 1960, 1972, 1984, 1996, 2008, 2020)
In 2026, Rats may face some ups and downs.
They could shine at work and even get promoted, but the stress may wear them out. Money luck looks mixed—income may increase, yet unexpected expenses (like home repairs or medical bills for elders) could arise. Single Rats might fall in love but risk getting into an unhealthy relationship. Health wise, they should especially watch out for stomach and digestive issues.
For Oxen born in:
(1937, 1949, 1961, 1973, 1985, 1997, 2009, 2021)
In 2026, Ox people have good luck in love.
Singles may meet someone special, and married Ox can enjoy a calm, happy family life.
Career luck isn’t strong—there may be lots of overtime and possible changes in leadership. Money may also feel tight, with no real increase in income, so it’s wise to save for emergencies.
Health is generally stable, with only minor issues, but they should watch for internal or chronic conditions.
For Tigers born in: (Margaret born Year of the Tiger)
(1938, 1950, 1962, 1974, 1986, 1998, 2010, 2022)
In 2026, Tigers enjoy good luck in almost every area.
They may earn a promotion and be recognized as strong performers at work. Money luck is excellent—salaries may rise, and business owners could expand and increase their profits. Singles have a good chance of meeting someone kind.
Health is generally fine, but there could be minor stomach issues or a relapse of an old problem, so strenuous exercise isn’t recommended.
For Rabbits born in:
(1939, 1951, 1963, 1975, 1987,1999, 2011, 2023)
In 2026, Rabbits can expect average overall luck.
Their career looks better than usual—they can solve long standing problems and may earn promotions. Money luck is positive, especially with investments, but they should avoid lending money. Rabbits who run a business may be able to expand this year.
Love luck is strong. Singles might meet the right person, marry, or even welcome a child.
Health luck, however, is weaker, and accidents are possible, so caution is advised.
For Dragons born in:
(1940, 1952, 1964, 1976, 1988, 2000, 2012, 2024)
In 2026, Dragons enjoy good luck in nearly every area.
Career fortune is excellent—employees may get promoted and show strong leadership, while business owners could expand and launch competitive new products or services. Money luck is also strong, especially through side jobs or extra income sources.
In love, singles are likely to meet a compatible partner. Married Dragons, however, may face arguments due to frequent time apart or differences in parenting views.
For Snakes born in:
(1941, 1953, 1965, 1977, 1989, 2001, 2013, 2025)
In 2026, Snakes generally have good luck.
Their career looks excellent—they may be promoted to a manager role and gain clearer direction in their work. Money luck is strong too, with the chance to double their salary or earn extra through side jobs.
In love, Snakes can take the lead in pursuing relationships, but they should be careful to avoid toxic or abusive partners.
Health is a bit concerning: accidents are possible, and work pressure may cause sleep problems.
For Horses born in:
(1942, 1954, 1966, 1978, 1990, 2002, 2014, 2026)
In 2026, Horses may face challenges because it is their Ben Ming Nian (their Zodiac Year).
Career and relationships may not go smoothly, and health luck is weaker. Working well with colleagues and showing their strengths can still help them earn a chance at promotion. Married Horses might deal with ongoing conflicts, while singles may struggle to find love.
On the bright side, a surprise financial gain—such as a bonus, lottery win, or inheritance—is possible.
For Sheep (Goat/Ram) born in:
(1931, 1943, 1955, 1967, 1979, 1991, 2003, 2015)
In 2026, Sheep have steady, positive luck in most areas.
They may get promoted at work, which could also lead to a salary increase. This is also a good year to start a business or switch to a better job. Money luck is strong, with good investment returns and even a possible windfall.
In love, singles may be pursued and start a relationship with someone compatible, and some might even get married. Health should be good overall—any minor discomfort can be relieved with proper rest and exercise.
For Monkeys born in:
(1932, 1944, 1956, 1968, 1980, 1992, 2004, 2016)
In 2026, Monkeys have excellent money luck.
They can easily earn more through salary increases, part time work, side businesses, and may even receive a windfall. Investments are also likely to bring positive returns.
Career luck is decent, and they should grab any chance to make progress. Love luck is good too—singles may meet their soulmate, while those in relationships should stay patient and understanding to keep things harmonious.
For health, short trips and relaxation in their free time can help them stay well.
For Roosters born in:
(1933, 1945, 1957, 1969, 1981, 1993, 2005, 2017)
In 2026, Roosters have fairly average overall luck.
Love looks positive—singles may meet someone special, couples might get married, and married Roosters can enjoy a harmonious family life.
They may receive a windfall, but it’s still wise to manage money carefully. Career opportunities, like a promotion, are possible, but they should continue working hard and cooperating well with colleagues for long term success.
For health, regular exercise after work can help reduce stress and keep them in good shape.
For Dogs born in:
(1934, 1946, 1958, 1970, 1982, 1994, 2006, 2018)
In 2026, Dogs enjoy pleasing luck, especially in career and money.
They may earn a promotion through strong performance and good teamwork, leading to higher pay and possibly a nice bonus. Starting a side business could further increase their income.
In love, those being pursued should think carefully about what they really want. Married Dogs can expect stable, smooth relationships.
Health looks generally fine, but it’s still wise to get a check up and maintain healthy daily habits to stay energetic.
For Pigs born in:
(1935, 1947, 1959, 1971, 1983, 1995, 2007, 2019)
In 2026, Pigs may face challenges, especially in career and relationships.
Work may feel competitive, so staying positive and continuing to learn is important to avoid being left behind. Singles should think carefully before starting a relationship, and those already with a partner should work together to solve problems and maintain harmony.
The good news is that money luck is strong—windfalls and profitable investments are possible.
Health is generally fine, but regular checkups and quick treatment for any issues are recommended.
Sources:
Hindustan Times
Times of India
China Highlights
China Travel Guide
Wishing you good health (Gong Hay) and Prosperity (fat choy) in the Year of the Horse!!!
Office will be closed Monday, February 16th in observance of Presidents Day.
Sincerely,
Margaret C. Starner, CFP®
Senior VP - Financial Planning
2333 Ponce de Leon Blvd. Suite 500
Coral Gables, FL 33134
305-461-6660
www.starnergroup.com
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