Search found 1461 matches

by CULater
Tue Nov 13, 2018 9:37 pm
Forum: Investing - Theory, News & General
Topic: "What If You Retire At a Stock Market Peak?" - by Ben Carlson
Replies: 13
Views: 1837

Re: "What If You Retire At a Stock Market Peak?" - by Ben Carlson

For these examples I used a simple 4% rule, taking out a flat 4% of the portfolio every single year regardless of the portfolio’s performance or the economic conditions at the time. One of the biggest risks in retirement is inflation because it impacts the purchasing power of your portfolio over ti...
by CULater
Tue Nov 13, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 660
Views: 97114

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I wanted to add to this forum to report that this problem is more prevalent than claimed. The problem in my honda developed within 2,000 miles. Stalling, lurching, fuel in oil. No fix for Kansas or Missouri currently slated. However, Honda must recognize that this is a real problem. It is widesprea...
by CULater
Tue Nov 13, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 660
Views: 97114

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I was following that thread also to see comments from owners who have gotten the "fix." Results seemed mixed so far. I doubt that a software update will help much, as it seems to be intended to heat the engine up more quickly to help in colder climates, and I don't have that problem. Am still intere...
by CULater
Fri Nov 09, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: A reminder: Stay away from AQR
Replies: 167
Views: 11517

Re: A reminder: Stay away from AQR

If you don't understand it, you shouldn't own it. For us stupid investors, that pretty much puts us into market index funds. Investing isn't rocket science. Anyone can learn to do it. Investing shouldn't be complex. Bogleheads are about simplicity. It's easy to talk about investing using jargon and ...
by CULater
Fri Nov 09, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed Rewards Card - Gas purchase rewards question
Replies: 21
Views: 1107

Re: Penfed Rewards Card - Gas purchase rewards question

I still use the PenFed Visa Platinum Cash Rewards card for 5% rebate for gas. The credit is automatically deducted from the monthly balance. Three years ago or so, you had to put at least $1,000 on deposit in a PenFed money market certificate in order to keep the 5%, or it would go to 1%. I did that...
by CULater
Thu Nov 08, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 660
Views: 97114

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Authorized Honda dealers performing the free product update will upload new software into vehicle, change the engine oil, and, in certain vehicles, replace the air conditioning control unit.
by CULater
Thu Nov 08, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 660
Views: 97114

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

The "fix" is slowly rolling out and a few people are reporting on the crvownersclub website. Not many yet, but so far the results are not encouraging. No-one has said "voila! it works!", but some are saying "&%^*!". Keeping an eye on it but not especially surprised so far. PT Barnum would be amused....
by CULater
Wed Nov 07, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Is it difficult to inherit a non-retirement account at Vanguard as co-beneficiaries?
Replies: 3
Views: 484

Is it difficult to inherit a non-retirement account at Vanguard as co-beneficiaries?

I'm wondering if my mother should list myself and sister as co-beneficiaries of her Vanguard brokerage account. Her investments are non-complex, mainly just money market and short term brokered CDs. Would like to find out what is involved in inheriting her account as co-beneficiaries if she passes. ...
by CULater
Wed Nov 07, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Penalty of $2300 on 9-month CD held for 2 months?
Replies: 11
Views: 1400

Re: Penalty of $2300 on 9-month CD held for 2 months?

The CU verified the penalty is correct; however, they are taking responsibility for misinforming me regarding the penalty waiver and will be transferring the withheld amount to my Vanguard Roth IRA. Thanks to the posters who responded and informed me that the penalty amount is indeed valid. I had no...
by CULater
Wed Nov 07, 2018 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Penalty of $2300 on 9-month CD held for 2 months?
Replies: 11
Views: 1400

Re: Penalty of $2300 on 9-month CD held for 2 months?

Have you checked the terms and agreement document which should have been received when the CD was opened? Or the Deposit Account Disclosures for the institution in general? Far as I know, I didn't receive anything from them. This was a rollover from a maturing CD into a 9-month CD at the credit uni...
by CULater
Wed Nov 07, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Penalty of $2300 on 9-month CD held for 2 months?
Replies: 11
Views: 1400

Penalty of $2300 on 9-month CD held for 2 months?

Purchased a 9-month CD for $136,800 in Roth IRA held at local credit union on Aug 16. Decided to transfer my Roth to Vanguard, which required the the CD be liquidated. This was completed in October, but the amount transferred was short by $2,300. Before deciding to do the transfer I had spoken with ...
by CULater
Tue Nov 06, 2018 2:38 pm
Forum: Investing - Theory, News & General
Topic: Duration matching with TIPS funds instead of buying individual TIPs
Replies: 16
Views: 1224

Re: Duration matching with TIPS funds instead of buying individual TIPs

But as Nisi states and I try to demonstrate, the duration matching with funds does not immunize against rising rates. Profound if true, since the whole idea behind using TIPS effectively for liability matching is to immunize against both inflation and rising rates so that you have a safe, predictab...
by CULater
Mon Nov 05, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 660
Views: 97114

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

HONDA CRV - WATCH THIS VIDEO BEFORE PURCHASE - OIL DILUTION (Pretty much what I've been living with) https://www.youtube.com/watch?v=SrtULlpJHWE&feature=youtu.be&fbclid=IwAR3w4WmH57rIczyl74juehJEvmqE9kyP1C2s-MmQUyBJknovG5pCmGfO2VM Who knows? -- maybe the 2019 will be OK. :confused But I wouldn't wan...
by CULater
Mon Nov 05, 2018 7:19 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Sometimes, It’s Bonds For the Long Run
Replies: 72
Views: 5902

Re: WSJ: Sometimes, It’s Bonds For the Long Run

When folks argue that stocks provide higher returns than bonds because of the "equity risk premium" they sometimes forget that the "risk" can show up as dead money for 20 years. How long is your risk horizon?
by CULater
Mon Nov 05, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: Duration matching with TIPS funds instead of buying individual TIPs
Replies: 16
Views: 1224

Re: Duration matching with TIPS funds instead of buying individual TIPs

The idea of combining ST & LT TIPS funds to duration match targeted income is intended for the case where one is spending from the funds every year over a series of years. If you simply need real assets at one particular point in time in the future, I agree with other posters that it's much easier ...
by CULater
Mon Nov 05, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: Duration matching with TIPS funds instead of buying individual TIPs
Replies: 16
Views: 1224

Duration matching with TIPS funds instead of buying individual TIPs

My objective is to use TIPS in order to provide a given dollar amount in real (inflation adjusted) dollars in 10 years. I could simply purchase a TIP in that amount maturing in 10 years but the problem with that is that the return from TIP assumes that the interest thrown off is re-invested in the T...
by CULater
Sat Nov 03, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 660
Views: 97114

Re: How widespread is the problem, really?

:thumbsup Couldn't agree more. I've taken my CRV into two different dealerships to have the oil inspected and changed. I specifically complained about the high oil level and gasoline smell in the oil. I expected them to document the high oil level reading on the dipstick and wanted that noted in th...
by CULater
Fri Nov 02, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: The biggest rallies in stocks have happened during the worst times to be invested
Replies: 15
Views: 2311

The biggest rallies in stocks have happened during the worst times to be invested

Why I think the market is headed down and not up: You don’t get 6% rallies in the Dow when we’re in healthy uptrends! You need serious volatility to spark something like that, and it only happens when risk is extremely elevated. I’m sure you’ve noticed that we’re getting much bigger down days AND up...
by CULater
Fri Nov 02, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 660
Views: 97114

Re: How widespread is the problem, really?

One of the most frustrating aspects of the problem, is that Honda should already KNOW how widespread the problem is. Most Honda owners most likely get their oil changed at a Honda dealership. Once Honda became aware that SOME engines were experiencing problems, they should have put out a confidenti...
by CULater
Thu Nov 01, 2018 7:16 pm
Forum: Investing - Theory, News & General
Topic: Brett Arends: Here's a simple way to beat a bear market
Replies: 38
Views: 5194

Brett Arends: Here's a simple way to beat a bear market

Here's a crazy strategy. Get out of the overvalued stock market now, and then dollar-average back in over 3-month intervals. Any takers? Panicking about the stock market’s sudden turmoil? Here’s one solution that isn’t quite as crazy as it may sound. Sell everything before the next big downturn. The...
by CULater
Thu Nov 01, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Tutorial on buying brokerage CDs at Vanguard
Replies: 2
Views: 367

Tutorial on buying brokerage CDs at Vanguard

Wonder if anyone can provide some info on buying brokerage CDs at Vanguard. I've never done this before. Want to set up a CD ladder. Can I just select the highest yielding CD for each maturity? What should I avoid, or are all the CDs the same regardless of what bank issues them? The highest yielding...
by CULater
Thu Nov 01, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: REITS have beaten other stocks for 50 years
Replies: 31
Views: 2955

Re: REITS have beaten other stocks for 50 years

Slip of the finger posted before title was complete -- fixed now.
by CULater
Thu Nov 01, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: REITS have beaten other stocks for 50 years
Replies: 31
Views: 2955

REITS have beaten other stocks for 50 years

Why not just buy REITs and forgeddaboutit? In “Historical Returns of the Market Portfolio,” issued last year, researchers Laurens Swinkels of Erasmus University, Rotterdam, Trevin Lam of Rabobank, and Ronald Doeswijk, looked at the performance of worldwide financial assets for the modern era, from 1...
by CULater
Thu Nov 01, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 660
Views: 97114

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

So, I find myself wondering what position an owner who bought a CRV in Wisconsin but is snowbirding in Arizona will be in when the "fix" is due in December. At this point, Honda hasn't said if they will notify owners of defective vehicles bought in targeted states that the fix is available or whethe...
by CULater
Thu Nov 01, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 660
Views: 97114

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

More information on proposed fix for oil dilution in U.S. vehicles. Noteworthy items are that Honda seems to have limited the problem to cold weather driving conditions and the fix is purposed to heat the engine up more quickly. It appears that Honda will not offer the fix or will delay the fix to o...
by CULater
Wed Oct 31, 2018 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with investing $100K for elderly mother's care over next 2 years
Replies: 2
Views: 379

Need help with investing $100K for elderly mother's care over next 2 years

Will have $100K from sale of Mom's condo to invest for her to pay her assisted living expenses, which should last about 2 years at current cost. I want to earn as much interest for her as possible, but can't risk the principal for such a short time period. Also have to allow for the possibility that...
by CULater
Wed Oct 31, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Anyone using Pillpack?
Replies: 12
Views: 1745

Re: Anyone using Pillpack?

The one issue with this scenario is the cost. The assisted living fee model is based on "points'" that are allocated monthly, and additional points can be purchased. The points are essentially currency that pays for med coordination, meal delivery, bathing and dressing assistance, apartment cleanin...
by CULater
Wed Oct 31, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Anybody use CenturyLink for internet service?
Replies: 25
Views: 1649

Re: Anybody use CenturyLink for internet service?

I've had no problem with the service and it meets my needs. But customer service has been rocky from the start with them. When I started I wanted to try it for the 30-day period and began with a leased modem because I didn't want to buy one until I checked out the service. It was OK so I bought a mo...
by CULater
Wed Oct 31, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio Discussion (Cont'd)
Replies: 694
Views: 159373

Re: Harry Browne Permanent Portfolio Discussion (Cont'd)

The PP isn't just a portfolio like, say, the Three Fund Portfolio. It's more than that. It's also got the cash management system and emergency fund built into its 25% cash allocation. As such, the performance of the PP is usually understated relative to traditional portfolios. Not really. The class...
by CULater
Tue Oct 30, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 660
Views: 97114

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Thanks for the link to updated information from Consumer Reports. We see that Honda will be trickling out the fix to owners, so we can expect to be dealing with the problem for quite some time yet. Here's what CR had to say, which pretty much summarizes my thoughts. They are doing their best to lose...
by CULater
Tue Oct 30, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Kevin O'Leary: owning a car is a terrible idea
Replies: 43
Views: 3307

Kevin O'Leary: owning a car is a terrible idea

Here's a thought inspired by all the headaches I've had with my lousy 2017 Honda CRV. Kevin O'Leary suggests they are a terrible waste of money. I'll add that they just take up too much of your valuable time dealing with all the overhead of owning one. You would think Bogleheads would be talking up ...
by CULater
Mon Oct 29, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 660
Views: 97114

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Upon further reading of the CRVOwners thread, I see that the TSBs include the elements of the "fix" that have been reported for the fuel dilution issue. However, Honda has scrupulously avoided mentioning anything like that in the TSB, which is just a further example of their obfuscation and denial o...
by CULater
Mon Oct 29, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 660
Views: 97114

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

... I don't plan to do anything because I figure that if Honda ever does start offering a fix, it will be on the owner to take the vehicle into the dealer to complain and document they have the problem with the oil level being abnormally high and smelling of fuel. I honestly don't believe they'll b...
by CULater
Mon Oct 29, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 660
Views: 97114

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

We know that all engines use a rich mixture when they are cold. Put an eye on heavy load conditions say, a loaded up CRV against a strong wind or uphill, after warm up. I wonder if the air fuel ratio would dip way below 14.6:1 as the CVT tends to keep the rpm low and put the engine in the LSPI regi...
by CULater
Sat Oct 27, 2018 3:16 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 105718

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Try this thought experiment: If being 100% in U.S. stocks is a good idea because you have plenty of international exposure from U.S. companies, etc. then why wouldn't it be a good idea for investors in other countries to hold the same portfolio? Why should they hold any stocks in their own country, ...
by CULater
Fri Oct 26, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 660
Views: 97114

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

If fuel dilution is substantial enough to raise the oil level, that is frankly a tremendous amount of fuel being dumped in the cylinder and getting past the rings. Modifying the tune should be able to address this, unless the injector nozzle design and combustion chamber design is so poor as to hin...
by CULater
Fri Oct 26, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 105718

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I'm not a strong supporter of investing internationally, but a few things concern me about being all in U.S. stocks: - First, there's a huge difference in P/E ratios with U.S. being about 21 and EAFE about 14 - Second, the returns on U.S. stocks over the past 5 years have been abnormally high, over ...
by CULater
Thu Oct 25, 2018 10:17 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 105718

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

It's just that comparing current price of VGTSX to the price in 2000 doesn't tell you much about compounded returns with dividends reinvested, which turns out to have been 91% which is not really "going nowhere" since 2000. Besides, it's misleading because VGTSX delivered similar returns to U.S. sto...
by CULater
Thu Oct 25, 2018 7:02 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 105718

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Then it's REALLY good news the entire world outside the USA has gone nowhere in 10 years. Absolute garbage :oops: Kind of like how the U.S. market went nowhere for the 10 years comprising the 2000s. Was that absolute garbage too? Actually, the ex-US index is only a little above what it reached in 2...
by CULater
Thu Oct 25, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 16807

Re: Where would you go for financial guidance if you win the Megamillions?

Think I read somewhere that having a windfall makes people more "satisfied" with their quality of life, but doesn't result in being much "happier". Happiness seems to come from somewhere other than being financially well off. So, I guess I'll hang onto what I'd need to be "satisfied" and "secure" ab...
by CULater
Thu Oct 25, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 16807

Re: Where would you go for financial guidance if you win the Megamillions?

Now it's the Powerball. Nobody won last night and it's up to 750 Mil. So, my search for the best financial strategy isn't over yet. :beer
by CULater
Thu Oct 25, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 9317

Re: Larry Swedroe: Why International Diversification Works

To repeat: my understanding of the benefit of diversification is that the objective is to reduce the volatility of returns, or more specifically to improve risk-adjusted returns. Even Swedroe's data doesn't illustrate that international investing has done that. So, the debate devolves into whether o...
by CULater
Thu Oct 25, 2018 8:16 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 9317

Re: Larry Swedroe: Why International Diversification Works

As shown by the data, owning both U.S. and non-U.S. stocks does not improve risk-adjusted return, which is what you would expect from diversification. I've written about this exact issue NUMEROUS times and the folks who keep saying the same thing either don't read my points (look at it several post...
by CULater
Thu Oct 25, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 16807

Re: Where would you go for financial guidance if you win the Megamillions?

I'd rather "employ" my shiftless relatives and friends rather than just giving them money. Would be difficult to not do something for them. I'd probably put a competent executive in charge of them so that their jobs didn't seem like sham jobs. I'm sure we could figure something out.
by CULater
Thu Oct 25, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 660
Views: 97114

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I borrowed my buddies scanner tonight. Drove 110km on the highway. The complete ride home coolant temp 1 peaked at 172F, coolant temp 2 peaked at 60f. Got home after driving 110km and the radiator was bone cold, and hose coming from thermostat housing was cool. Most manufactures are running 195-212...
by CULater
Wed Oct 24, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 16807

Re: Where would you go for financial guidance if you win the Megamillions?

Ran across this reasonably sensible (and actionable for any very large windfall) suggestion: https://slate.com/human-interest/2018/10/mega-millions-lottery-winner-guide-advice.html TL;DR: Use it to start a charitable donation that can protect you from taxes, keep you from blowing it all, hello you ...
by CULater
Wed Oct 24, 2018 10:10 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 9317

Re: Larry Swedroe: Why International Diversification Works

As shown by the data, owning both U.S. and non-U.S. stocks does not improve risk-adjusted return, which is what you would expect from diversification. There are simply periods in which U.S. stocks outperform and periods in which non-U.S. stocks outperform, and the net over long periods of time is es...
by CULater
Wed Oct 24, 2018 3:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7810
Views: 1604524

Re: U.S. stocks in freefall

RELAX! This is only a test of your risk-tolerance level....THIS IS ONLY A TEST. Now, back to our regular programming...
by CULater
Wed Oct 24, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: Bonds saved the bacon in the "lost decade" for stocks, but will they do it again?
Replies: 21
Views: 3053

Re: Bonds saved the bacon in the "lost decade" for stocks, but will they do it again?

For the 2000-09 period, you would have earned an annualized 3.4% with a mix of 60/40 stocks and intermediate treasuries. Good old fashioned money market would have given you 2.8% annualized. If stocks return little or nothing during the next decade and bonds return half of what they returned in the ...
by CULater
Wed Oct 24, 2018 8:28 am
Forum: Investing - Theory, News & General
Topic: Bonds saved the bacon in the "lost decade" for stocks, but will they do it again?
Replies: 21
Views: 3053

Re: Bonds saved the bacon in the "lost decade" for stocks, but will they do it again?

I never understand measuring peak to trough like this. Sure if I put in a lump sum at the peak and evaluated how I had done on the lowest part of the trough, it looks grim. But this is the least meaningful analysis, and not the lived experience of anyone I have ever met. Why ignore the huge run up ...