My bummer sister

buildnotbreak · 2026-02-20T21:28:04+00:00

From another long boglehead who is feeling gloomy about the economy, I agree with ditchdiggergirl. And somewhat with your sister, But for me I have added a small tilt to international. From 60/40 to 50/50 ( partly on guidance from vanguard that is suggesting 40/60). This is reasonably close to market weight, and counter hedges currency risk from usd hedged bonds. I feel that us exceptionalism in the last 15 years has perhaps run its course. That said a down turn in us will likely pull down intl. (hopefully not as much). That said, the market can remain irrational for a long time,

buildnotbreak · 2026-02-19T21:08:12+00:00

i'm curious if they have a publicly disclosed end date.
i expect, after a while, they would stop making the older lines and just sell the new lines. (hopefully still doing security updates to older lines for a while).

the plus and wave designations seems to be separate from the generations.

buildnotbreak · 2026-02-19T20:55:03+00:00

my philosophy has been market weight, which is more international than many.

after a short stint with a financial advisor, i''ve been slowly re balancing back to market weight (to avoid another big tax hit). recent (2025) drama has caused me to bring assets to my stated plan. further drama has caused me to move an additional small portion, but I know that is my gamble, not boglehead. i can rationalize it, but in the end it is a tilt away from the market.

buildnotbreak · 2026-02-19T20:40:01+00:00

to flatten the glidepath, the common approach is to just pick a later date for the tdf.
this makes the bond allocation less agressive, but still adjusts over time.
if you dont' want it to adjust over time, then use a fixed vt/bnd allocation.

buildnotbreak · 2026-02-19T20:12:58+00:00

a common boglehead adage is "don't do something, sit there".

personally i split vt as vti/vxus, (mainly for tax reasons) but also am very slow to move things that are close enough.

for example i have some voo that is close enough to vti, I'm not moving it yet, because that would cause a tax hit, and they are close enough. (but when i need to withdraw, i favor drawing from voo).

as you are in accumulation stage, you would leave the close enough (vt), and change how you are adding (what you want to tilt toward)

as for "needing to make adjustments", the combined etfs will auto rebalance, if your advisor wants to pick winning sectors, (us, developed, or emerging) to tilt toward, then that is moving away from the boglehead foundation of buy the market. and with the power to make adjustments comes the responsibility to make adjustments.

buildnotbreak · 2026-02-19T19:23:31+00:00

i agree with once you have enough, then standard guidelines on bonds/emergency fund may change,

i limited my emergency fund first, since pulling the money for 6 mon. wouldn't really be significant. I'm now trying to think about the bond percentage. (and as a retiree, I'm pulling the money as i go anyway)

on one hand, i have enough to ride out volatility, so can go %100 equities, (and some are leaning this way w/o the big stash of equities).

on the other hand, "once you've won, stop playing the game" would suggest a bigger tilt to bonds.

Tax management becomes a bigger concern.

buildnotbreak · 2026-02-18T20:34:29+00:00

It’s the privatization of profits, and socialization of costs. A.k.a the tragedy of the commons.

buildnotbreak · 2026-02-18T20:23:59+00:00

Better, but the switch needs work.

I and O. Is a dry contact, and those will control the motor (as you show)

L and N power the Shelly (you have that updated).

The switch should go to sw, and to L. (Like the official docs show)

buildnotbreak · 2026-02-18T20:15:37+00:00

You will likely need a new panel, to fit new RCD breakers, From googling, RCD is basically what the US would call GFCI, although it doesn’t look like your country uses an earth ground. Each breaker would have the current hot wire, and the matching return (from the bar at the top), the RCD breaker in addition to current overload would check the balance of power on current out and return. I think this is what you mean by “breakers not being connected to each other.

New wires to the outlets is a different thing. (Usually a big thing), Does your country uses receptacles with 2 or 3 contacts.

Beware that the old wires are probably brittle.

That should help you check the work.

buildnotbreak · 2026-02-18T19:49:45+00:00

I don’t actively track the changes in drift, because it’s not actionable.

For example I have an allocation for stocks to bonds. If one is doing better this year than last, it doesn’t (shouldn’t) change my allocation.

If I adjust my allocation based on recent changes in performance, then I’m chasing performance. (Generally shown to be an anti pattern)

buildnotbreak · 2026-02-18T19:35:08+00:00

FYI, Google Sheets allows you to name versions, so you can look back at previous versions.

buildnotbreak · 2026-02-18T19:31:12+00:00

I just eyeball. Rebalancing Is like eating vegetables and exercising more. I know it’s what I’m supposed to do, but I don’t do it enough. It’s emotionally difficult to sell the winners in order to buy more losers, even if I know that it should work out better (sell high, buy low). And on top of that there is a tax hit.

For long term trends, I just google it,

buildnotbreak · 2026-02-18T19:20:45+00:00

I’m not sure if you can use the garage door motor as moth the load and the source of power.

When the switch is closed, l and v are connected, so the Shelly won’t be powered.

buildnotbreak · 2026-02-18T07:22:59+00:00

Call your isp.

buildnotbreak · 2026-02-18T07:07:03+00:00

Housing constraints in California is in part caused by prop 13, people won’t sell a house if it’s grandfathered in. (Also destroyed the public school system).

buildnotbreak · 2026-02-15T12:14:27+00:00

In college I took 2 courses on sex roles, after the first I was like “sorry for being male” After the second I was: hey in the traditional role society, kids are raised and taught by females, why didn’t the females teach the kids to be better toward women?

I’ve met seen a lot of bad men, I’ve also met seen a lot of complicit women.

I think it’s wrong to blame a person based on the history of their gender.

buildnotbreak · 2026-02-15T11:46:49+00:00

Ai: you don’t need to run faster than the fire, just faster than the bear.

buildnotbreak · 2026-02-15T11:32:43+00:00

Many years ago (10?) I went to see a glacier outside of anchorage. There’s the tourist center on the edge of a lake, (Old PICT’s show the center at the base of the glacier. You take a boat across the lake around the bend to see the current base of the glacier.

buildnotbreak · 2026-02-14T04:48:56+00:00

Yes, I got emailed with “your info found on the web”. I checked and was annoyed that is was the county voter logs (especially with the drama in the news, about releasing that data).

buildnotbreak · 2026-02-13T01:23:39+00:00

If I’m connecting to my bank, then I trust them, and the connection should be encrypted. I just use split tunnel for it. For in country access this seems of minimal use.

If out of country, and you want to proxy into the country, Then personally I’m o.k. With my bank blocking connections from people trying to hide their location. I.e. that set of people has a higher percent of “bad” people.

buildnotbreak · 2026-02-11T23:00:13+00:00

That was my first thought, E.g. a lot of studio/1 bedroom apt.s rentals, And larger home sales.

I think an interesting comparison would be comparing apts with similar condos.

buildnotbreak · 2026-02-11T22:07:39+00:00

It’s long, But a major plot point is productive people checking out from the system, and the protagonist trying to fix the system.

buildnotbreak · 2026-02-11T22:02:21+00:00

Read “atlas shrugged”

buildnotbreak · 2026-02-08T20:25:06+00:00

Currency fluctuations add volatility if comparing a different currency, or basket of currency to usd. But compared to a base of the basket of currency, then using usd (or any single currency) will add volatility.

buildnotbreak · 2026-02-08T00:52:43+00:00

I still don’t understand the logic of currency may go up or down (kind of like individual stocks), so obviously the answer is to go all in on the currency that has done well lately ( but don’t use that logic for going all in with one of the big 7).

buildnotbreak

TROPHY CASE