Unfortunately, @Bopa appears to have deleted most of his original content (OP) on July 31. The intellect here is so massive that a great discussion has ensued for nearly 5 months afterward. :)
I can only say that I’m glad I retired nearly 25 years ago to live in a home I already owned rather than relying on the vicissitudes of the rental market. Your experience(s) may differ.

I will be bumping up a few items, ~10% or so onto their current positions...UTF, RQI, JEPI, DIVO, SCHD. I'll be watching in 1Q to add to BTO, which is holding nicely to this point. Also making sure that any cash uninvested is working in a MM.
Really...this is the most interesting investing environment in quite some time. Is "interesting " the right word?

Pulled a wee bit out for my estimated 2023 needs this week. Just moved it into Fido’s mm fund for now. So it’s all “on paper” for time being. Fortunately, all my 2022 needs were socked away in late 2021 when markets were a lot higher. Not the case for 2023. Miners have been strong for a few months - one source of the $$ I’ve now put aside for 2023. With investments in mostly Roths, my RMD (traditional IRA) is negligible anyway.
Not doing much. Have been trickling small sums into BCAT and GUG as they’ve fallen further since I opened positions a month or more ago. Each now represents 2+% of portfolio. Was affected by Scott Minerd’s unfortunate passing, as he was lead manager for GUG.

Now that they’ve eliminated all commissions?
https://businesswire.com/news/home/20221213005715/en/E*TRADE-from-Morgan-Stanley-Eliminates-Commissions-for-All-Mutual-Funds-on-Platform

Count yourself lucky. We lost a large amount of money on our house in CT 1987 to 2020. We got about $50,000 more than we paid for it but in the 30 years we redid two BRs, kitchen, all the windows, new roof, finished the basement, new deck and sunroom, etc.
My parents would say "so what you had to live somewhere. We never made any money on any house we owned"

+1 Impressive work. Congrats on fighting the good fight and winning.

The 'miracle' of compounding works in all ways and can mislead the eye-closed wishful (moi?) who do not run the numbers.
In early 2009 we bought a modest house and land (with spectacular view) in one of the pricier suburbs in the country: a town with large lots, whopping property taxes, high teacher salaries (not enough that they can live here, for the most part), yada yada. An expensive state, of course,
The couple who sold it to us in 2009, after their 3y of residence, lost several hundred thou.
So. After several RE cycles, our property has increased significantly, of course. Or so I concluded.
I just figured out its 14y return rate. Which comes to ... 2.6% (plus or minus) annually.

On a previous thread about IOFIX and variable prices vs NAVs,I elaborated on the fact that FARIX changed the price of their fund two months after I sold it and clawed back over $500 from me.
I filed a complaint with the SEC with the details of the dates shares etc. It took a couple of months but the SEC acknowledged my complaint and asked the fund company what happened.
Today they responded :
" U.S. Bank Global Fund Services made an accounting error in the Fulcrum Diversified Absolute Return Fund from June 9, 2022 until August 30, 2022. As a result, the net asset value of each share class of the Fund were redetermined for the period. The maximum error during the period was $0.07 per share, representing approximately 0.77% of net asset value, for each class. As a result, in accordance with Fund policy and in coordination with the Fund, shareholder purchases and sales between those dates were reprocessed.
Based on industry accepted practices, U.S. Bank Global Fund Services, as transfer agent for the Fund, initiated reprocessing of transactions on September 13, 2022 to make shareholders and the Fund whole. U.S. Bank Global Fund Services followed normal instructions to notify intermediaries, including Schwab and Fidelity, of the NAV correction issue and asked for assistance to get shareholder activity in alignment with the corrected NAVs. The intermediaries, including Schwab and Fidelity, then reprocessed the applicable transactions for their customers.
As a good faith gesture to Fulcrum and its shareholder, U.S. Bank Global Fund Services will reimburse the shareholder "
While my original question of "So What it was your mistake, why do I have to pay for it" was sorta ignored, they are making up the difference.
So it does make sense not to "just lie down and take it".

added qqqm earlier, leap cc 125 90 days delta 14
apple put 100$ april, 14d
sold couple bonds cover margin calls QQQM and ON bet too high prices 4 months ago
no more dried powdered - margins now near 0

Fund Allocations (Cumulative), 11/30/22

There were notable increases in the allocations to stock funds, and declines in those for bond and m-mkt funds. The changes for OEFs + ETFs were based on a total AUM of about $28.17 trillion in the previous month, so +/- 1% change was about +/- $281.7 billion. Also note that these changes were from both fund inflows/outflows & price changes.
OEFs: Stocks 52.77%, Hybrids 6.77%, Bonds 20.00%, M-Mkt 20.46%
ETFs: Stocks 80.85%, Hybrids 0.47%, Bonds 18.68%, M-Mkt N/A
OEFs & ETFs: Stocks 59.17%, Hybrids 5.33%, Bonds 19.7%, M-Mkt 15.79%
https://ybbpersonalfinance.proboards.com/thread/245/fund-allocations-cumulative-monthly?page=1&scrollTo=879

+1.
JRSH at new 52 week low today. Stinky poopies. What I have in there is insignificant. Letting it ride. Everything ELSE is up. WTF.

Why would you ever even consider such an investment? On a tax-equivalent basis, 10-Year Treasuries would crush this.

It looked great on the surface. The input I've received here is valuable. I've decided against it.

Bought 1000s DUK/pA to put some excess cash to work. Getting a qualified 6.05% dividend yield for at least a year or until whenever it gets called.
Hoping to get CHSCL at par should it get there again. It's creeping closer...

Why would you ever even consider such an investment? On a tax-equivalent basis, 10-Year Treasuries would crush this.

thread w high-level analysis and speculation, plus the comments
https://twitter.com/paulkrugman/status/1608167056867987456

For the week ending on 12/28/22, bearish remained the top sentiment (47.6%; high) & neutral became the bottom sentiment (25.9%; below average); bullish became the middle sentiment (26.5%; low); Bull-Bear Spread was -21.1% (very low). Investor concerns: Inflation (moderating but high); supply-chain disruptions; recession (2023?); the Fed (slower pace but higher rates longer); dollar (reversing); crypto ice-age; market volatility (VIX, VXN, MOVE); Russia-Ukraine war (44+ weeks); geopolitical. For the Survey week (Thursday-Wednesday), stocks were down sharply (techs, Nasdaq near lows), bonds down (CEFs near lows), oil up, gold down, dollar up. #AAII #Sentiment #Markets
https://ybbpersonalfinance.proboards.com/thread/141/aaii-sentiment-survey-weekly?page=8&scrollTo=878

Reply from the Irish side of the pond regarding my eligibility to buy that 10-year item:
Thank you for your email.
Yes you are eligible once you have a PPSN number the address can be registered to the USA. A cheque or bank draft can be posted to Inpayments, State Savings, GPO, Dublin 1. Personal cheques or bank drafts should be made payable to NTMA State Savings. If your wife does not hold a PPSN number she would not be able to make the purchase held jointly with yourself.
The application should be accompanied by original or certified* copies of identification for each applicant:
Proof of name e.g. current passport, driving licence
Proof of address e.g. current household bill, bank/building society statement
Proof of PPS number e.g. document from Dept of Social protection or Revenue, P60, Social Services, EU/HSE Health Cards).
*Certified Copy - You may bring the original documents to any Post Office where a Post Office Official can photocopy the original to certify it is a true copy of the original. Alternatively you can bring the original documents to a Member of An Garda Siochána/Police or a practising Solicitor/Commissioner for Oaths where they can photocopy the original and stamp it to certify it is a true copy of the original.
**************************************************
Couldn't get past Square One: I don't hold a PPSN number, and don't plan to do it.

Musk advises Tesla employees not to freak out about their shares in Tesla https://www.cnbc.com/2022/12/28/elon-musk-tells-tesla-employees-to-ignore-stock-market-craziness.html

Musk has blamed Tesla’s declining share price in part on rising interest rates. But critics point to his Twitter takeover as a bigger culprit for the slide, which has wiped out about $675 billion in market cap this year as of Wednesday’s close.
In the email, Musk thanked Tesla employees for their work in 2022, encouraged them to push hard for a strong fourth-quarter finish, and asked them to “volunteer to help deliver” cars to customers before midnight on Dec. 31, if at all possible. [emphasis mine]

The billionaire asked his employees to volunteer? Crikey. Just lost the Z's, and a lot of Millenials. Never had me anyway.
Back on this planet, maybe your falling share price has a little bit to do with your share sales?
I don't care if Musk bought twitter to support AOC and The Squad. It's looking like a Spruce Goose to me, i.e. merely a symptom.
Treading water with the green energy funds I bought earlier this year that did not feature large chunks of Tesla boosting their then recent performance..

Saw this today:
Congress just approved 401(k) and IRA changes
secure-act-2-0-retirement-changes-401k-roth-ira/
Non-paywall article:
congress-just-approved-401-k