Will a half point bother you?

[Muse]

This is what I did in 06 with the housing loan crisis in front of me. Sold what I had and paid down my debts at the time. When the economy did tumble, I began buying up investments on the cheap. I'll check on my portfolio once every other month. It's not something I'll put man hours into.

I took a hit back around that time, wasn't it about 2008? I think I only went through writing off my capital gains losses recently on my tax returns. But my cash was in an instrument through my bank. I don't invest that way anymore. I did put a lot of time and effort into trying to get a leg up on the market with some complicated systems but failed to beat the general market. Finally I just decided to try to get returns similar to the regular market (i.e. 9% on average since 1980) and be satisfied with that. My buy/sell rules might (should) help me beat that by a little. Nothing is guaranteed. I might lose money in my sell/buy strategy. Anyway, it should save me a lot of work and worry if I keep my head.