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Sehc, got a link to your source?

Roger, I would not run today without VPN, Malwarebytes, and Windows defender. Opera has a free VPN built into the browser, but I had issues with Opera a few years ago and looked last week at their forums and it looks like they are still having leftovers after uninstalling causing some issues. But my Nord VPN is so easy I think I'll keep it. $2.99 a month when I bought three years paid up front. Just over $100.00. I can load it on all my 11 tablets, four desktops, two android phones and even on my TV. The number of devices I load it on is unlimited, but at any given time only six can be used at the same time. https://nordvpn.com/offer/brand/?msclkid=349a8c9e457b184e985cd0b16074c96e&utm_source=bing&utm_medium=cpc&utm_campaign=Search - USA - New - Brand - En - Cpc&utm_term=nordvpn&utm_content=USA - Brand Here's a link to their features explained: https://nordvpn.com/features/ I've enabled Cybersec and play with double VPN. But honestly, it's very simple and automatic once you learn how to click on the country you want to be seen from.

Hey 4X4, One size does fit all, of that one size. Welcome to the forums. We have been lucky in surviving to retire from the military and being tech savvy enough to have bought Tesla at 2010 IPO and sold recently to buy a house, cash, and then I can take my time selling this house which is paid for. That because I was offered a percentage of newish company selling and designing/siting post frame steel buildings with slabs. From 2005-2009 I was making very good compensation and my then house was paid for. So we were buying when everyone else was selling losing. The market is cyclic and can't be timed. All we can do is buy low and sell high. It does not need to be bought at the lowest, nor sold at the highest, but close enough. Close only counts in horseshoes, hand grenades, and yes, investing. The worst that can happen is you have to wait a five or ten year cycle to see it come back up, or back down to buy or sell appropriately. We both took our paid in Social security at 62, and since we are military retired we already have income and medical set. I made financial decisions like I was going to die younger and take care of my family at every step.

Thanks for bringing up index funds Randy! And thanks for adding your own reviews of index funds from experience. We can't afford any more capital gains for 2018 but starting tomorrow we are going to look at moving some or all of our funds into index funds. Now here is where we will sound like we are claiming to be able to time the market. You see now is when I will be looking for a very high balance of our funds at which time we will cash them out and then when the market is way down buy some or all index funds. NO big strategizing, just an attention to whichever indexes I decide to track. Folks who swear by financial managers who then in turn buy mutual funds are paying lots of extra costs for less in returns even if only the management fees of the mutual fund and then on top the Financial manager profits. Because this is a financial forum, I looked up a good definition of index funds for others who, like me, are less familiar with them: https://www.moneycrashers.com/index-funds-vs-mutual-funds/ Do you guys agree with that article? Thanks again for your input. My past main investments have been on vehicles, real property, and businesses I did part time on weekends and evenings when I was active duty and a very lucrative four almost five years building steel buildings as a managing partner 2004-2009. Believe it or not folks with discretionary funds here used their cash to buy buildings as a better bet post 2008 with terrible interest rates of ~ .5 percent for savings accounts and maybe .75-1% for some money market and savings. The increase in property values have proven out since.

Good for you!

With all the market uncertainty the question is relevant again. Are you still in? I liquidated for a house not fear and at almost the highs for 2018. I am in the new Marijuana industry for a smaller piece of the market than before. I think the market will be so volatile in 2019 it will make Tesla stock look stable by comparison. How do you feel about the coming year?

I can wait long as long as I want. But I haven't sold low yet. I buy with my vision of the long term prospects of a company and its leadership. That's all I can assess, not the future. That's good enough for me . . . for now.

Me too, but I have to move first.

I'm sorry you took a loss. We're on the way to a bear market long term but there may be several repeats of the last week. I was tempted to buy during the market's slips last week but I'm looking for good buys when the real recession hits, like when I bought in 2008, and again in 2010 when Tesla did their IPO. I just sold at $348 couple of months ago just to not get sucked into a long low cycle due to shorts when I need ready cash to buy our new house. I was down about $11k out of 5000 shares of ACB and NBEV stays about twice what I paid. But these are just long positions I feel confident will grow into serious profits like Tesla did in eight year holding it. I'm looking for them to be making that serious money in from a year to five years. I just took about 1/7th of what I made from Tesla and the pot stocks are not savings or our retirement. It is, like when I bought $25k of TSLA in 2010, discretionary funds. If I lose it all it won't cause our lifestyle to change at all. But U am not a fool, I expect to make money. But don't want anyone to do as I do. I could lose these two plays. So I'll see how they do over time. No I wasn't aiming that question at you because the last you said was you were doing a stop loss. The best opportunities are clear to see when everyone around me is yelling the sky is falling! I get emotional about bad information when the facts are available. Good luck with your next play/s!

I hope no one sold at a loss before the pendulum swung back.

Oh man sorry for everyone taking this beating. I'm only in for the NBEV and Aurora marijuana sector stocks. Once I get to Colorado, I can look into some of the startups personally. I'm still doing OK. I am up on NBEV, and down a little on Aurora as of today. Like I said with Tesla, I will re-evaluate my positions in a year or three. I am glad my retirement isn't tied to the market.

Hey jobless, welcome to the forums. I'm pleased to meet you. Sorry about the circumstances. I'm not optimistic except for the niche industry I'm in now. I don't have a crystal ball either.

Ryno, Hindsight is always 20-20. No one can time the market, no one has a crystal ball. My investments were just being informed and seeing where things will go. I did a "14 bagger" with Tesla, and now am up 100% on NBEV, and down a little on ACB. But as I told a local friend I expect ACB to take off in the next year or three. So it's a long hold. I am also benefiting from great timing in buying a new home in Colorado. I wanted to buy in winter when its more a buyer's market. But this market uncertainty may also drop the housing market as the fed is increasing prime rates and that making loans more costly and perhaps harder to get. Cash in this market means the advantage in buying a house. Then I'll stay down here to take my time getting the best price in spring for our current house. No smarts, just right place, right time.

Ryno, Good thinking. I need to do stop losses on my two mj stocks. But as I said in the OP above: "As well I read another guru who said that just before every major recession depression there was a corresponding spike in the last few months to year before they fell. I had to get out to buy my new house but will have to sell the old one once we move so that may be interesting if we do have a major correction to the world markets." So I believe there will be some big gains and a lot of volatility in this next year, and the real decline at the end. Like when I held Tesla long through eight years of volatility, I'll sell high, when the time is right. There's big money to be made in the next 11 months.

We all know the markets cannot be Bull markets forever. I am still in with some MJ but the bulk of my investments are out of the markets now. I don't feel impending doom because we have been and remain cash only no debt, house cars the works. This is a relatively short article but makes some good points. As well I read another guru who said that just before every major recession depression there was a corresponding spike in the last few months to year before they fell. I had to get out to buy my new house but will have to sell the old one once we move so that may be interesting if we do have a major correction to the world markets. Excerpt: "For moneyed Americans, most of the past year has felt like 1929 all over again — the fun, bathtub-gin-quaffing, rich-white-people-doing-the-Charleston early part of 1929, not the grim couple of months after the stock market crashed. After a decade-long stock market party, which saw the stocks of the S. & P. 500 index create some $17 trillion in new wealth, the rich indulged in $1,210 cocktails at the Four Seasons hotel’s Ty Bar in New York, in $325,000 Rolls-Royce Cullinan sport-utility vehicles in S.U.V.-loving Houston and in nine-figure crash pads like Aaron Spelling’s 56,000-square-foot mansion in Los Angeles (currently on the market for $175 million, more than double what it fetched just five years ago). Will it last? Who knows. But in recent months, the anxiety that we could be in for a replay of 1929 — or 1987, or 2000, or 2008 — has become palpable not just for the Aspen set, but for any American with a 401(k). Overall, stocks are down 1.5 percent this year, after hitting dizzying heights in early October. Hedge funds are having their worst year since the 2008 crisis. And household debt recently hit another record high of $13.5 trillion — up $837 billion from the previous peak, which preceded the Great Recession. After a decade of low interest rates that fueled a massive run-up in stocks, real estate and other assets, financial Cassandras are not hard to find. Paul Tudor Jones, the billionaire investor, recently posited that we are likely in a “global debt bubble,” and Jim Rogers, the influential fund manager and commentator, has forewarned of a crash that will be “the biggest in my lifetime” (he is 76). What might prove the pinprick to the “everything bubble,” as doomers like to call it? Could be anything. Could be nothing. Only time will tell if the everything bubble is a bubble at all. But, just a decade after the last financial crisis, here are five popular doom-and-gloom scenarios." To find out read the whole article here: https://www.nytimes.com/2018/12/10/style/2019-financial-crisis.html?utm_medium=10today.ad1.20181213.421.2&utm_source=email&utm_content=article&utm_campaign=10-for-today---4.0-styling

Yep!

I have some OTA channels that are digital but SD 480. They sure look fuzzy for the first 30 seconds but once I get into "The Honeymooners" or "The Real McCoys" I stop seeing the blur and enjoy the show. Yes I enjoy 4k for SFX, and have state of the art in my main home theater. But given a choice between 720 p and nothing or just a few local OTA channels 720 is pretty HD for me too. They look great from more than 12" away. Sure there are advantages to tech and resolution /speed increases. But let's not look a gift horse . . . Remember it was just a few years back that instead of streaming Sling TV there were no wireless or wired consistent TV stations except for satellite from an RV if the trees weren't too thick, or a mountain in the way in the great white north. 5g is coming soon too. We are living in the best time for TV and movies in an RV. Or a stix n brix. Most 4k TVs upscale 720 if you have a 4k TV, or 4k BluRay player. SD does not upscale well. So if you have a 4k upscaling TV with a decent upscaling engine like Vizio and TCL top TVs I am glad to see that the cable bundlers are getting competition from cell phones now too. Cells rarely go out because of rain or mountains just a lack of towers. We all may be doing cell like satellite services through cell like phones and repeaters. You go guys!

Th Cherie, That's good info. I just called to confirm and indeed it does have unlimited hotspot @ 600 kbps and standard definition on my phone which is the only device I have with cellular access. For us, with 200/20Mbps asynchronous unlimited cable Internet service, we use virtually no data to watch streaming of TV/movie/entertainment programming/music, maybe a few times a month or less. But since I do keep the ability to hotspot albeit sloooooowly with this plan, and it costs so little compared to others with the $20 a month permanent family discount they gave us when we switched to the prepaid plan ($102.00 after taxes etc. for my unlimited and Lynn's 3GB service.) But as said earlier with no contract they are not locked into it, however I think the loss of customers for them taking away or charging more will keep it close for the foreseeable future. Soon we will be moving to an area with $70 GB Internet subsidized by the state for installation of fiber and set up. They sell lower speeds. However with 5G soon to happen starting with Verizon I believe, we are looking for the best deal on the Moto Z3 or Z3 PLay phones. THey will convert to 5G with a Moto Mod. We have first Gen Moto Z play Droid phones now. But only the Z3 will be compatible with our battery, projector, JBL speaker and Hasselblad camera mods we already have All the Moto Mods. So by upgrading cash to the z3 we keep our plan, our Mods, and will be ready for 5g with Motorola sets. Look here: 5g Moto Mod The definition of streaming on our phones is fine as it is and looks like HD, but on a big screen or bigger, like a tablet or casting to a TV, I I would need 720p at a minimum. At home we have 4K Fire TVs with HDMI 2.0 and HDCP 2.2. However for our upscaling 4k BlueRay player we connect with an HDMI 2.1 cable. The rest are 2.0 HDMI. So regardless of the signal resolution most are OK with HDMI 2.0 cables. Here is a chart with the different designations and cables: HDMI ad HDCP Charts Also bear in mind I have the mini projector for evening screenings, as although watchable in daylight, it is great with the lights down low. And a 19" folio screen for the RV. I have our phones set for WiFi and thus use little mobile data. We are just playing with it should 5g turn out to be a cable/fiber substitute, at the same or lower pricing.

Sorry guy I was sharing the 65 dollar plan prepaid unlimited not the Jetpack plan. I usually stay away from the jetpack hotspot discussions because the AT&T device was a fiasco for us.Everything is the same for phones as the plan we have which required us to switch from postpaid to prepaid. My links above state that the caps are as you stated. Some folks believe that they get 1080 or 720p HD on phones others understand it is different depending on device. I see no difference in this plan for a "phone only" unlimited user and the one I switched to in August. My apology. Thanks for clearing that up.

Joel, I've been posting about this plan here for a while but suddenly others are hearing it from others and going prepaid too. My plan is the "GO" plan with 480P phone resolution. Tablets get 720p HD: This article is current from Nov 6, 2018 https://www.theverge.com/2018/11/6/18068790/verizon-prepaid-unlimited-plan-discount-autopay https://www.businessinsider.com/unlimited-plans-comparison-verizon-att-sprint-tmobile-2018-2/#the-big-caveat-no-unlimited-plan-is-really-unlimited-1

Yep, fewer years left and terrible interest rates for savings with many funds barely keeping up with inflation. Some of us are living a better lifestyle than when we were working. One size does not fit all. For better or worse. Oh apparently we did it wrong according to some and took SS at 62.

We went from Verizon post paid the prepaid for the combo plans. I have unlimited and she has 2 GB of data. $92 for both, and 102 after taxes and fees. So I get to play radio and Prime music in my car. And watch movies when I'm in a waiting room or whatever. But I'm still not using more than 5GB. Because we have cable at home unlimited. So I am not out long enough to need it. They discounted my unlimited $20 a month as the second line when we switched from post to prepaid.

We used boots because they cover the wheel lugnuts and while they can be defeated, it takes a lot more than a quick snip with bolt cutters. And they are relatively inexpensive. These are a 2 pack for $79.99: https://www.amazon.com/Mophorn-Wheel-Clamp-Heavy-duty-Parking/dp/B07589TJW1/ref=sr_1_6?ie=UTF8&qid=1541195569&sr=8-6&keywords=trailer+wheel+locks+clamp+boot&dpID=51Hj0EQ7htL&preST=_SY300_QL70_&dpSrc=srch#customerReviews I used a padlock on my boat trailers. We also see a bunch of boats and trailers for sale with no paperwork indicating they were stolen at some point in the past. I don't use anything on my Scamp It uses a ball hitch like a travel trailer, but high as a 5th wheel. It would be hard to steal unless they spent some money for a hitch.

Guys, When we were contractors we'd leave our cargo trailers on the job site with a boot on one trailer wheel. If a truck and trailer get the set of two. https://www.amazon.com/Voluker-Wheel-Heavy-duty-Steel-Anti-Theft/dp/B077941HMW/ref=sr_1_15?ie=UTF8&qid=1541195569&sr=8-15&keywords=trailer+wheel+locks+clamp+boot https://www.amazon.com/Mophorn-Wheel-Clamp-Heavy-duty-Parking/dp/B07589TJW1/ref=sr_1_6?ie=UTF8&qid=1541195569&sr=8-6&keywords=trailer+wheel+locks+clamp+boot&dpID=51Hj0EQ7htL&preST=_SY300_QL70_&dpSrc=srch

Dammit John, I almost choked on my herbal tea! Not only on topic but hilarious. It is against the law everywhere to booby trap, AFAIK.