Bea Sandwich, anyone?

My generation is sometimes called the “Sandwich generation”, usually meaning middle-aged women who are taking care of children (usually teens) as well as elderly parent(s) or other relatives.

I thought I had escaped this particular role, but then I retired.  And, guess what happened?  Well, actually, both joys and challenges.

The challenging part includes overseeing the care of my 93-year-old mother, who lives 2,000 miles away in an excellent nursing home.  I never thought we’d be doing this, that she’d live independently her whole life until she died.  I find myself often shopping for her needs, and sending her packages and letters, and phone calls several times a week.  And, of course, I travel more frequently now to visit.  It does take a toll, and I didn’t plan for this for my retirement.  Looking back, that was very naive.

The joyous part is that my daughter is getting married, and to a certain extent I’m naturally part of the preparations and planning (and expense).  It’s wonderful to see my daughter in a happy relationship, living abroad in a country and place that she chose, to a man to obviously cares about her very much.  The wedding will take place soon in a tropical paradise, and it’s all a dream come true for her.  Naturally, I hope all the best for her and her new husband in the future.

As I’m writing this on Mother’s Day, I wish all the best to all moms out there, and a special shout-out to those who are “sandwich filling”.  Haha!


Love to all,



MayDay 2018 — No changes

So, as the stock market just goes up & down, up & down, all indicators remain the same.

Stay out of bonds, RWR, and EMB.  Bonds are not where it’s at… yet.

Everything else, stay in.  The price either bounced a bit before it crossed that dreaded 10-month moving average line, or leveled off.

Here’s the proof:




(Yawn…) when your investing is boring, it’s all good…

‘Til next time…


“You’re So Quiet”

Boy, I used to hear that all the time, usually in a noisy group situation where I can’t make out any of the conversations going on around me.  I don’t think people realize that it sounds like a criticism, personal attack, puts the “quiet” person on the spot, and it is just plain rude.

I’ve looked up some responses to this, and they range from an equally rude “Well you’re so loud”, to just a smile and a shrug.

I’d like to educate people here, to all my more extroverted readers, that if you are concerned about a person being quiet, you might, instead of just blurting out this obvious observation, to try to just draw them into the conversation in a friendly manner.  If they are new to the group, ask them to introduce themselves.  If you already know them, ask what their thoughts are on the topic you were talking about.  Or, what have they been up to lately?  Read any good books?  You might get a better response.

  • Maybe they just couldn’t get a word in edgewise around a talkative group.
  • Maybe your conversation was limited to “insider” gossip and people they don’t know.
  • Maybe the topic of conversation was something they don’t know much about, and they were just listening intently to learn something. Or, they may have been bored.

And if you happen to be on the receiving end of this comment, here is an article that explains both sides of the coin, and probably the best I’ve found.  I plan to do some more exploring around this website, just for fun.

Mind you, it will be just for fun, and to see what it says.  I really don’t care much about “succeeding socially” anymore.  I’m retired. Ha!


*Btw,  If you are mystified by quiet people, you might give this video a look:

April 1, 2018 — Sell EMB

Well, here I am, Easter weekend, (Passover for some), scrutinizing the stock charts and planning my next move.  No candy for me this year… I’m on a health kick to try to maintain my weight, so I don’t grow out of the close-fitting dress I bought to wear at my daughter’s wedding in May.  LOL!

The only move to make this month, according to my variation on Meb Faber’s timing model system, is to sell EMB.  Who knows, maybe it will come back next month… it looks like it may have bounced a little.

Everything else, just hang on through all this volatility, and you’ll be OK.  Follow the rules, and the timing on the model.

So, here’s a peek at this month’s charts:




US treasury bonds are still in “stay out” territory, and they have such pathetic yields, it’s OK.

If you’re looking for some dividend income, i found a good ETF for that, that I’m thinking of adding to my dividend collection. It is SPFF, an ETF that has about a 7% yield, and invests in preferred stocks (stocks which act like bonds in a way, read about them here.  

Meanwhile, enjoy your holiday!


Aging Can Really Suck!

Watching my 93-year-old mother slowly decline has been truly difficult.  But, using my true nature, I’ve put a philosophical bent on it.

Maybe, just maybe, as we approach our final days, some of us (many of us) go through some kind of “Karmic purge”, a process that prepares us for final nirvana, or heaven, or whatever happens to us when we die.  We may experience a bit of hell before we get to heaven.wheel_2_lg

Our bodies fail us, they slow down, we don’t feel like eating and our bodies cannot absorb the nutrients we eat, anyway.  We get weak, and may not be able to walk anymore. We just lay in bed and wait… We won’t need our bodies anymore in the afterlife.

Our minds fail us.  We lose our short-term memory, and even our long-term memory.  We may not even know our family members.  If we were careful with money, we start to lose the ability and brain power to manage it. Managing all our earthly affairs becomes too overwhelming, and someone else has to take over. We start to forget everything in this life, since it won’t matter.

Fighting, wailing, and getting all upset about this process may just prolong it for you.  Just relax and breathe, connect with your higher power if you believe in one, and let go. “Resistance is futile.”

Old age is one of the four sufferings the Buddha named.  Birth, sickness, old age, and death… suffering we all go through, and if you go through the suffering of old age, consider yourself lucky.

If you happen to be watching a loved one go through this, my heart goes out to you. Please accept this virtual hug {}. And, take notes… you may be in this position one day.  Not all of us die suddenly from a massive heart attack.

Peace and love be with you… Namaste…


March 1, 2018 — What a Ride!!

Always following your rules to the letter is very difficult.  I confess, this past month, I messed up, and put stop losses under several of my ETFs.  Well, guess what… they dipped down under their 10-month moving averages, then came right back up again.  So, I had to buy them all back again.  <sigh!>  I lost mid-month, and bought back today:  SPY, MDY, IWM, EFA, EEM, VNQI.  Sheesh!  Volatility is keeping me busy.  Also, I sold RWR — It’s remaining well below the 10-month moving average. EMB is on a “Sell”, too, but I held on today since it’s ex-dividend day, it’s in the green, and I might as well hang on for the dividends.  I bought USO for a lark, as it has been holding pretty well over the 10-month average.

I now vow to not even look at the darn charts until March 31.  Heck with these stop-losses… I’ll stick with the program.




So, that’s it… I’m staying out of bonds for now…

Until March 31/April 1… take care (except I’ll probably write something about my mother’s condition soon… Having to deal with that, too).



February 1, 2018 — A Dip But Still Going Up

Well, here I am again, trying to handle things for my poor elderly mother who now cannot get out of bed. The decline has been pretty fast, and I live 2,000 miles away. Inconvenient, to say the least. I’ll just have to share how I navigated through this at a later date.

Right now, even with the slide, most stock ETFs in our system that we track have parabolic rises on their charts.

Bonds have dropped, so they should be sold, as well as RWR if you haven’t already.

Until next time, good luck and happy trading.