Search found 281 matches

by Pu239
Tue Aug 04, 2020 10:19 pm
Forum: Investing - Theory, News & General
Topic: Gold continues to soar!
Replies: 41
Views: 1797

Re: Gold continues to soar!

Well, there's a long running "Stocks Continue to Soar" thread so why not gold although, over the long term, soar might not turn out to be the right word for gold.
by Pu239
Mon Aug 03, 2020 10:15 pm
Forum: Investing - Theory, News & General
Topic: Buy Gold/Silver when premiums are highest?
Replies: 6
Views: 448

Re: Buy Gold/Silver when premiums are highest?

Hypothesis: Gold and silver premiums (for physical coins/bars) go up during high demand. From my memory, every time this has happened the price has gone up drastically in the near/mid term. I predict that buying a gold ETF (such as AAAU, government backed, low expense ratio, physically backed) when...
by Pu239
Sun Aug 02, 2020 10:42 pm
Forum: Personal Consumer Issues
Topic: How to grow food indoors
Replies: 16
Views: 1632

Re: How to grow food indoors

I was researching this topic via google and hydroponics, aeroponics, aquaponics = expensive systems and buying special seed pods... and they all seem more complicated than it needs to be. Does anyone have any recommendations for growing using potting soil and simple (and relatively inexpensive) gro...
by Pu239
Sat Aug 01, 2020 6:20 pm
Forum: Personal Consumer Issues
Topic: Land in Dahlonega, Georgia
Replies: 29
Views: 2143

Re: Land in Dahlonega, Georgia

Probably not, but its possible. I think all the gold in Dahlonega was mined decades ago. If any abandoned underground mines are nearby, there might be a chance of old workings beneath a property. Even if all the gold has been extracted, land subsidence from collapse of shallow workings might pose a...
by Pu239
Fri Jul 31, 2020 11:57 pm
Forum: Personal Consumer Issues
Topic: Land in Dahlonega, Georgia
Replies: 29
Views: 2143

Re: Land in Dahlonega, Georgia

Brandon4454 wrote:
Fri Jul 31, 2020 6:29 pm


The taxes on the land would only be about $400 a year. That should be my only cost until I build on it, but you may be right about shifting priorities.
Being in Dahlonega, any chance of gold on the property?
by Pu239
Fri Jul 31, 2020 3:01 pm
Forum: Investing - Theory, News & General
Topic: "Beware the Hype on Gold"
Replies: 170
Views: 12147

Re: "Beware the Hype on Gold"

A significant premium for physical gold means that the market is willing to pay more than physical gold than electronic gold. Granted, some of that premium is due to the higher costs of dealing with physical, but TMK those costs have not suddenly increased in the last six months. As such, we must a...
by Pu239
Fri Jul 31, 2020 2:21 pm
Forum: Investing - Theory, News & General
Topic: "Beware the Hype on Gold"
Replies: 170
Views: 12147

Re: "Beware the Hype on Gold"

willthrill81 wrote:
Fri Jul 31, 2020 1:55 pm


I think that it demonstrates that a gulf exists between 'electronic' gold (i.e. gold funds) and physical gold.
If the buy-sell spread of physical metals is narrow, then I agree. If wide, something ain't right.
by Pu239
Fri Jul 31, 2020 1:53 pm
Forum: Investing - Theory, News & General
Topic: "Beware the Hype on Gold"
Replies: 170
Views: 12147

Re: "Beware the Hype on Gold"

ohboy! wrote:
Fri Jul 31, 2020 10:37 am
Gold is a slow train if you want to take the expressway with metals buy silver. American Eagles are selling for 40-50% over spot right now.
Yeah, the physical market is whacked out. If the buy-sell spread is that wide, I'd wonder about collusion among the major players.
by Pu239
Wed Jul 29, 2020 3:52 pm
Forum: Investing - Theory, News & General
Topic: "Beware the Hype on Gold"
Replies: 170
Views: 12147

Re: "Beware the Hype on Gold"

The gold bull market doesn't properly start until $3,000 an ounce; better to be a passenger than a bystander. $3000 was routinely predicted back in 1980 which would be almost $10,000 in 2020 dollars so the hype is just getting started. But for speculation, you're on the wrong train. Silver has alre...
by Pu239
Tue Jul 28, 2020 4:09 pm
Forum: Personal Consumer Issues
Topic: Selling Silverware (all silver)
Replies: 14
Views: 1221

Re: Selling Silverware (all silver)

Local auction houses are also worth checking into if you don't want to risk Ebay or sell for scrap. If the silverware has any sentimental value, it might be worth keeping a few pieces as reminded by a previous poster. Descendants of the family might value them if given as special presents accompanie...
by Pu239
Tue Jul 28, 2020 2:08 pm
Forum: Personal Consumer Issues
Topic: Selling Silverware (all silver)
Replies: 14
Views: 1221

Re: Selling Silverware (all silver)

You might check the sold prices on Ebay to see if it's worth selling there instead of a scrapper. Some folks might pay more than melt value for something that is functional.
by Pu239
Tue Jul 28, 2020 8:31 am
Forum: Investing - Theory, News & General
Topic: Gold $1600 Oz - When?
Replies: 362
Views: 24561

Re: Gold $1600 Oz - When?

Unlike gold, no one is claiming that VTI shares are "money". I know some fellows who claim that gold is money. You may have heard of them. They signed a thing called the Constitution of the United States. 1: No State shall enter into any Treaty, Alliance, or Confederation; grant Letters of Marque a...
by Pu239
Mon Jul 27, 2020 10:19 pm
Forum: Personal Consumer Issues
Topic: Where is best place to have engagement ring professionally cleaned?
Replies: 20
Views: 1362

Re: Where is best place to have engagement ring professionally cleaned?

The local jeweler we bought ours from does it for free - even after 35 years. You might check where you bought it from before paying extra.
by Pu239
Mon Jul 27, 2020 9:36 pm
Forum: Investing - Theory, News & General
Topic: Gold $1600 Oz - When?
Replies: 362
Views: 24561

Re: Gold $1600 Oz - When?

000 wrote:
Mon Jul 27, 2020 8:24 pm

How do I buy groceries with my VTI shares?
Unlike gold, no one is claiming that VTI shares are "money".
by Pu239
Sun Jul 26, 2020 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Dead Father's Unclaimed Property
Replies: 34
Views: 3083

Re: Dead Father's Unclaimed Property

OP - the "normal joe" stepchild might know his mother's SSN although I presume you don't want to go there.
by Pu239
Sun Jul 26, 2020 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Dead Father's Unclaimed Property
Replies: 34
Views: 3083

Re: Dead Father's Unclaimed Property

denovo wrote:
Sun Jul 26, 2020 1:04 am

In this country, we don't charge people for the crimes of blood relatives.
Of course not. I was thinking more along the lines of claims on the insurance payout.
by Pu239
Sun Jul 26, 2020 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Dead Father's Unclaimed Property
Replies: 34
Views: 3083

Re: Dead Father's Unclaimed Property

If you can find out who the insurance company was for his first wife's policy, that may lead to some additional information. Do you know where they lived, time frame, etc.? What was his first wife's SS #? Maybe that will lead somewhere. Seems like the law enforcement establishment for that area (or ...
by Pu239
Sat Jul 25, 2020 2:43 pm
Forum: Investing - Theory, News & General
Topic: Gold $1600 Oz - When?
Replies: 362
Views: 24561

Re: Gold $1600 Oz - When?

Who invests for 20 year periods?
by Pu239
Fri Jul 24, 2020 10:00 pm
Forum: Investing - Theory, News & General
Topic: Gold $1600 Oz - When?
Replies: 362
Views: 24561

Re: Gold $1600 Oz - When?

Gold breaches $1,900 for the first time since 2011. This is a momentous day for gold investors. At gold's 2011 high the Dollar Index stood at 76, today it is 94, plus there's been a little inflation; plenty more room to run before the 2011 high is bested in real terms (approximately $2,300?). We sh...
by Pu239
Fri Jul 24, 2020 12:57 pm
Forum: Personal Consumer Issues
Topic: Retirement Relocation - Permaculture - Western and Southern Cities
Replies: 49
Views: 3459

Re: Retirement Relocation - Permaculture - Western and Southern Cities

One doesn't need to live down south to have a productive garden. Chicago area "One Yard Revolution" gardener Patrick Dolan has a great series of Youtube videos devoted to maximizing production from a regular urban yard. Quite impressive.
by Pu239
Wed Jul 22, 2020 9:10 pm
Forum: Personal Consumer Issues
Topic: Recommend 3 southern locales to retire!
Replies: 86
Views: 9500

Re: Recommend 3 southern locales to retire!

Eastern Shore of Virginia - it's rural with small communities but not as hot as further down south. Water on both sides (peninsula), bay or ocean, your choice. There's a regional hospital in Nassawadox and excellent hospitals across the Bay/Bridge tunnel in Norfolk. Cost of living is still low. Also...
by Pu239
Tue Jul 21, 2020 4:20 pm
Forum: Personal Consumer Issues
Topic: cheap, easy, temporary heat blocking stuff for windows?
Replies: 44
Views: 2435

Re: cheap, easy, temporary heat blocking stuff for windows?

Although expensive, awnings for each window might be best for keeping out heat caused by sunlight coming into the house. Also allows the windows to be open during rainy periods. I've also seen houses fitted with sunshade sails. These are more commonly seen over patios but can be used to block window...
by Pu239
Wed Jul 08, 2020 7:39 pm
Forum: Personal Investments
Topic: Verifying Gold Coins are not counterfeit
Replies: 25
Views: 1578

Re: Verifying Gold Coins are not counterfeit

Buying certified (PCGS, NGC, ANACS) from a respected dealer provides additional verification of quality. Makes selling easier too.
by Pu239
Sat Jun 27, 2020 5:07 pm
Forum: Investing - Theory, News & General
Topic: Who ever follows the “Top-Ranked” Financial Advisors on the radio?
Replies: 38
Views: 3243

Re: Who ever follows the “Top-Ranked” Financial Advisors on the radio?

Are these radio financial advisors fiduciaries, provide fee-only services, and focus on low cost index funds? If not, why bother?
by Pu239
Thu Jun 25, 2020 12:59 am
Forum: Personal Consumer Issues
Topic: What to buy parents as a token of appreciation/retirement
Replies: 57
Views: 3798

Re: What to buy parents as a token of appreciation/retirement

I like the idea of a family portrait session.

If your parents value family history, perhaps hiring a genealogical service to research the family and provide a displayable family tree is worth considering. Tangible and sentimental.

I suppose a $40k Amazon gift card is out of the question. :D
by Pu239
Wed Jun 24, 2020 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Moving a coin collection
Replies: 20
Views: 2188

Re: Moving a coin collection

Precautions are dependent on value and your comfort level. I can also recommend USPS registered mail for high value items. If value per package exceeds the insurance limit ($25k, I think), pack in multiple boxes keeping each under insured maximum. Registered mail requires paper taping (no plastic); ...
by Pu239
Wed Jun 24, 2020 7:37 pm
Forum: Personal Consumer Issues
Topic: Rain barrel questions
Replies: 28
Views: 2377

Re: Rain barrel questions

Thanks for all the replies! After doing some looking around the house it seems the slot that would work the best is very visible in the driveway. Can anyone recommend an aesthetic yet affordable barrel that would last? Would be nice to be able to have flowers on too too. Thanks!!! I liked what this...
by Pu239
Tue Jun 23, 2020 12:29 am
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13857

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

Bogleheads is not perfect but it doesn't profit from selling products or services via advertisements versus certain other forums which have monetized their websites. What better way to increase traffic for increased profits than criticize the competition? I prefer to read about those websites here r...
by Pu239
Fri Jun 19, 2020 3:41 pm
Forum: Personal Investments
Topic: Adult children purchasing mothers quadplex
Replies: 8
Views: 664

Re: Adult children purchasing mothers quadplex

Does this make reasonable sense? The point is to keep the quadplex in the family and help out mother in the meantime, children will receive the income and mother will have a stash of cash to use. What's wrong with 4 adult children buying house from mother, income from the quad goes to children and ...
by Pu239
Thu Jun 18, 2020 12:05 am
Forum: Personal Investments
Topic: Help with Parent's filling up of 12% tax bracket
Replies: 8
Views: 774

Re: Help with Parent's filling up of 12% tax bracket

4runner818 wrote:
Wed Jun 17, 2020 11:09 pm
This will continue to approximately be the case until 72 when RMD's will eat up most of that 12% bracket.
For your Dad, social security will also start eating up the 12% bracket assuming he starts at age 70, so maybe only 2 years left for the full $40k.
by Pu239
Mon Jun 15, 2020 11:27 pm
Forum: Personal Consumer Issues
Topic: Do you reward yourself for achieving a financial goal?
Replies: 167
Views: 12161

Re: Do you reward yourself for achieving a financial goal?

I stopped paying attention to prices at Costco after achieving a comfortable retirement. If we need/want it, I buy it. No more guilt or hesitation. Freedom from buying sirloin instead of tenderloin and tilapia instead of salmon is a great reward. Sorry, no Rolexes or flashy cars necessary - although...
by Pu239
Sat Jun 06, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: Selling gold bullion
Replies: 27
Views: 2404

Re: Selling gold bullion

Price received for gold depends partly on the form its in. Closest buy-sell spreads exist for universally recognized and accepted 1 oz coins such as the American Eagle and Canadian Maple Leaf with prices generally dropping and spreads diverging from there. Lowest price will be for impure gold scrap ...
by Pu239
Mon May 18, 2020 6:04 pm
Forum: Investing - Theory, News & General
Topic: Social Security is an asset....yet again
Replies: 129
Views: 5853

Re: Social Security is an asset....yet again

Will calling SS an asset or not affect it's value to an individual? Why is this distinction important?
by Pu239
Mon May 18, 2020 12:22 am
Forum: Personal Consumer Issues
Topic: Gardening- question about where to mulch, and also about harvesting
Replies: 17
Views: 1091

Re: Gardening- question about where to mulch, and also about harvesting

Our house came with a large outdoor pot containing mint. After almost 30 years, it is still going strong requiring no special attention. We use it every year but never considered freezing it until now. Thanks!
by Pu239
Sat May 16, 2020 3:25 pm
Forum: Personal Consumer Issues
Topic: Are Ebay's promoted listings a scam?
Replies: 6
Views: 609

Re: Are Ebay's promoted listings a scam?

Not a scam but a huge annoyance when sorting a search by lowest or highest price and have many "sponsored" items appear well out of order. I hate that Ebay has compromised it's search feature - makes it almost useless.
by Pu239
Thu May 14, 2020 10:30 pm
Forum: Personal Consumer Issues
Topic: Dental estimate for a gold crown
Replies: 28
Views: 2021

Re: Dental estimate for a gold crown

After breaking off a corner of a molar porcelain-on-linear zirconia crown and my dentist working repeatedly to try and fix it (no cost to me), I finally replaced it with a gold crown and have no regrets. Your cost seems reasonable.
by Pu239
Wed May 13, 2020 10:33 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 11484

Re: Dentist charges $10 for PPE

I expect dental costs to increase because of the pandemic so a PPE fee is not a big surprise. If a significant percentage of dentists go out of business, costs will rise simply due to decreased competition. I'd rather help keep my dentist in business paying hopefully what is a short term (1 to 2 yea...
by Pu239
Wed May 13, 2020 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Should we create a testamentary trust for $6M estate?
Replies: 198
Views: 9226

Re: Should we create a testamentary trust for $6M estate?

Just a quick thanks to all those who have taken the time to post answers and opinions about this topic. We are considering a testamentary trust as one will option; this discussion has been very enlightening. Thanks also to the mods for keeping it going. We have many new questions for our lawyer!
by Pu239
Wed May 06, 2020 5:55 pm
Forum: Personal Consumer Issues
Topic: Craigslist - are these scams?
Replies: 49
Views: 3266

Re: Craigslist - are these scams?

rustymutt wrote:
Wed May 06, 2020 4:28 pm
Or photos with palm trees and where in Kansas.
The I-70 Petro station in Colby, Kansas, has palm trees. Metal, of course, but difficult to tell from a distance.
by Pu239
Sun May 03, 2020 12:23 pm
Forum: Investing - Theory, News & General
Topic: Golden Dragonfly Portfolio - A Real World Experiment
Replies: 67
Views: 6611

Re: Golden Dragonfly Portfolio - A Real World Experiment

OP - How's the experiment going? You promised quarterly results.
by Pu239
Thu Apr 30, 2020 11:02 pm
Forum: Personal Investments
Topic: difference between SLV, silver and silver coin
Replies: 11
Views: 699

Re: difference between SLV, silver and silver coin

immisaki wrote:
Thu Apr 30, 2020 12:28 pm

The Gold/Silver ratio is off the trails and thus i have started to DCA into silver,
If metals ratios impress you, take a look at the gold/platinum ratio. It's around 2.2 at all time highs. What does it mean? Beats me! Why not PPLT instead of SLV?
by Pu239
Sat Apr 25, 2020 1:05 pm
Forum: Personal Investments
Topic: All the upside of the S&P with 10% downside protection "Free"?
Replies: 116
Views: 8122

Re: All the upside of the S&P with 10% downside protection "Free"?

Reading this thread made me smile remembering Jane Bryant Quinn's advice to "Run, run, run from the investments known as equity-indexed annuities (EIA)". OP - get a copy of her book "Making the Most of Your Money Now" and have your FIL read the sections on annuities from page 1071 to 1095. You've be...
by Pu239
Sat Apr 25, 2020 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Take Social Security now, at 66, during Corona-virus?
Replies: 61
Views: 5039

Re: Take Social Security now, at 66, during Corona-virus?

Forgot to mention that another advantage of delaying ss for us is making partial Roth conversions to avoid the ss "hump".
by Pu239
Sat Apr 25, 2020 9:17 am
Forum: Personal Consumer Issues
Topic: Car shopping PHEV / ICE / or all electric?
Replies: 75
Views: 6271

Re: Car shopping PHEV / ICE / or all electric?

I plan to call a couple electricians next week to ask about upgrading from 120V outlet in garage. One electrician already said it's not possible, but maybe someone else will have another idea. With a PHEV, you won't need 220v in the garage. Because of smaller battery size, charging at 110v is all y...
by Pu239
Sat Apr 25, 2020 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Take Social Security now, at 66, during Corona-virus?
Replies: 61
Views: 5039

Re: Take Social Security now, at 66, during Corona-virus?

I'm midway between full retirement age and 70 and have decided to stick with our plan to wait till 70 after reaching my target claiming age of 68. We reevaluated this decision (once again - like you, it hasn't been a "one and done" type of decision) post tax return and at the beginning of the virus ...
by Pu239
Mon Apr 20, 2020 6:18 pm
Forum: Personal Consumer Issues
Topic: Growing Fruit and Vegetables
Replies: 30
Views: 1926

Re: Growing Fruit and Vegetables

+1 on garden snap and shelling peas, carrots and potatoes tasting much better than store bought. Another advantage of the garden is that you can also grow varieties not offered in stores. Half of my peas don't make it outside the garden, munching as I go. When picked slightly early or at peak, it's ...
by Pu239
Wed Apr 15, 2020 3:29 pm
Forum: Investing - Theory, News & General
Topic: Airbnb getting hit?
Replies: 54
Views: 5608

Re: Airbnb getting hit?

They're supposed to be the victims now after inflating the housing market through decades of enacting NIMBYism to entrench their own positions, and until recently were sitting back with an "I got mine" mentality? NIMBYism is the reason for high housing prices? I always thought it had more to do wit...
by Pu239
Mon Apr 13, 2020 5:43 pm
Forum: Personal Investments
Topic: Ponzi Scheme?
Replies: 215
Views: 17877

Re: Ponzi Scheme?

A free Intelius search locates the named principal of the company who lives in Florida and provides some basic information. A paid search might reveal more detail about his background, including criminal. It's an easy name to research - not too many of those around. It's really kinda scary that anyo...