On the personal finances front, this was a really lousy month. Here’s the quick lowdown from Point 1 to 3. 1. Portfolio dropped a massive 4% ($8K dip) If I was a true-blue market timer, I would probably be broke by now. In September 2014, I was getting jittery with the volatility in the market and promptly sold my STI ETFs which I held through the Philip Capital ShareBuilders Plan. The market then rebounded. Argh. Just last month, I was postulating what to do when the STI goes past the 4,000 mark. After all, my portfolio gained a massive $7K just in that month alone and STI breached the 3,500 level. With the momentum, it seemed just a matter of time. Since then, I have lost all those gains and more. Argggh. A letter to myself: Dear Long-Term Investor,   Once your portfolio starts becoming meaningful (~$200K), it’s inevitable ......