Search found 61 matches

by SquirrelEater
Mon Feb 22, 2021 6:26 pm
Forum: Investing - Theory, News & General
Topic: Is too much saving a zero sum game ?
Replies: 72
Views: 7159

Re: Is too much saving a zero sum game ?

Related tangent.... I recall reading Ancient Rome had a law limiting the amount of savings one could have. Worries of the wealthy not spending enough. Before the days of paper currency. I can’t find anything online about this (keywords bring results about currency debasement instead) and no longer o...
by SquirrelEater
Fri Feb 19, 2021 12:27 pm
Forum: Investing - Theory, News & General
Topic: "Stocks Fall, Weighed Down by Tech Losses and Jobless Claims"
Replies: 24
Views: 1658

Re: "Stocks Fall, Weighed Down by Tech Losses and Jobless Claims"

“Ignore the noise” & “fake news” are describing the same phenomena.
by SquirrelEater
Sun Jan 31, 2021 7:54 pm
Forum: Investing - Theory, News & General
Topic: Physical Silver Short Squeeze may be on
Replies: 231
Views: 15264

Re: Physical Silver Short Squeeze maybe on

These guys have been “sold out” before. Like when the price dipped to $12 in 2020. I couldn’t get any so I bought the ETF silver. Held it for a bit but sold after become impatient about the price not rising fast enough during such uncertain times. Literally a week later it left the teens and went to...
by SquirrelEater
Sun Jan 31, 2021 6:39 pm
Forum: Personal Consumer Issues
Topic: Best 'redundant' backup internet for home work
Replies: 40
Views: 2773

Re: Best 'redundant' backup internet for home work

Good topic. This is going to be a more pressing concern for many! I would consider coaxial repair parts. RG6 might be a keyword. Get extra wire. I’m a landscaper. I cut internet lines several times a year. Chances are your internet connection is depended on what happens in your neighbor’s yard. 811 ...
by SquirrelEater
Tue Jan 19, 2021 5:22 pm
Forum: Personal Consumer Issues
Topic: How is living in Auburn, AL
Replies: 47
Views: 4825

Re: How is living in Auburn, AL

Home of the Mises Institute!!! :thumbsup
by SquirrelEater
Mon Dec 28, 2020 9:15 pm
Forum: Personal Consumer Issues
Topic: Very very warm Men’s Winter Coat
Replies: 67
Views: 5407

Re: Very very warm Men’s Winter Coat

A heavier coat is not always the answer to being warm! Try some of these cheaper options that in my experience of squirrel hunting makes my day: A cap, neck gaiter, scarf or similar can make a world of difference. I recall reading about half of our heat loss happens around neck and head. Yet we give...
by SquirrelEater
Sat Dec 12, 2020 8:12 pm
Forum: Personal Investments
Topic: What are your 'guilty pleasure' funds/ETFs and what is your rationale?
Replies: 27
Views: 2154

Re: What are your 'guilty pleasure' funds/ETFs and what is your rationale?

FBIIX Why?: Going to seem a bit twisted. But I find humor in it. https://m.youtube.com/watch?v=mHnvnr3JVyU Unfortunately that child doesn’t pay me much interest yet. Africa isn’t a significant portion of FBIIX (there is an African development something something in there. I think that is close as it...
by SquirrelEater
Tue Dec 08, 2020 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing Hunting Land
Replies: 102
Views: 8252

Re: Purchasing Hunting Land

Do you archery hunt? If not, going archery route is a great way to lessen the pressure YOU feel on public land. If that makes public land tolerable then no need to spend $80k. Archery seasons are often generously long. A child may greatly change your financial condition. You may change and loose int...
by SquirrelEater
Sat Dec 05, 2020 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Defining your emergency savings account
Replies: 32
Views: 3231

Re: Defining your emergency savings account

Placing the EF in a FDIC insured account is a good textbook answer. Cash smells & feels good. I once had a large portion in cash when I was finally getting my financial life on track years ago. It felt great to see the money in that quantity having gone so long since having that much. The smell ...
by SquirrelEater
Tue Dec 01, 2020 8:24 am
Forum: Personal Consumer Issues
Topic: Is Our Olive Oil Real?
Replies: 57
Views: 6171

Re: Is Our Olive Oil Real?

Honey too. Sometimes they filter out the pollen so you can’t test where it is from. Word is they filter it to hide the Chinese origin (the land of Gutter Oil and melamine milk) among other lies. Also, some Italian products, like handbags and shoes, are not what you think they are. They fly in Chines...
by SquirrelEater
Tue Dec 01, 2020 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Small claims court - how to proceed?
Replies: 42
Views: 3987

Re: Small claims court - how to proceed?

Curious- This tree dude a legitimate business or is this some kind of cash only, no tax paying, and no insurance, sole proprietor?
by SquirrelEater
Sun Nov 29, 2020 10:06 pm
Forum: Investing - Theory, News & General
Topic: What is the worst time to enter SP500?
Replies: 26
Views: 2785

Re: What is the worst time to enter SP500?

Good question. Saw this gem on this forum recently I think. https://i.postimg.cc/W1mSVnL5/MW-HY014-reason-20200108141501-NS.png https://s.wsj.net/public/resources/images/OG-CR604_201905_G_20190516154959.gif I suppose check your allocations to fix the equity anxieties. Fake news sells you anxiety. Ig...
by SquirrelEater
Mon Nov 23, 2020 9:30 pm
Forum: US Chapters
Topic: Are you a Boglehead?
Replies: 114
Views: 5939

Re: Are you a Boglehead?

They said diversity is a strength so I bought Total Market funds and became a Boglehead.
by SquirrelEater
Mon Nov 23, 2020 7:30 pm
Forum: Investing - Theory, News & General
Topic: How do Bogleheads cope with FOMO? [Fear Of Missing Out]
Replies: 256
Views: 15544

Re: Need reassurance - having FOMO

The “experts” can’t consistently pick the FOMO stocks prior to them being worthy of FOMO status. There are swarms/teams/companies of people significantly brighter than I, who obsess over the market, went to fancy pants Ivy League schools, learned Latin as a toddler, and yet can’t consistently beat F...
by SquirrelEater
Sun Oct 11, 2020 8:22 pm
Forum: Personal Consumer Issues
Topic: Do they still make simple washing machines without any computer chips?
Replies: 80
Views: 8134

Re: Do they still make simple washing machines without any computer chips?

They still make simple washers and dryers with simple interfaces. I have no clue if there are any computer chips in mine or not. Mine is a GE & Hotpoint. Was cheap, few hundred each brand new iirc. Knobs and push buttons. Just like the 80’s and 90’s but without the fake wood. Dryer is from Canad...
by SquirrelEater
Sun Oct 11, 2020 8:11 pm
Forum: Personal Consumer Issues
Topic: "Nice" furniture recommendations
Replies: 114
Views: 10974

Re: "Nice" furniture recommendations

FlexSteel. USA made - Not Chinese. My parents have it. My grandma had it. They ain’t bought furniture in decades. DECADES!. Stuff is durable. I got it too now. Two years in and it still looks good. Laying on a grey FlexSteel sectional couch now. If the current stuff is like decades ago I’ll be layi...
by SquirrelEater
Sat Oct 10, 2020 6:35 pm
Forum: Personal Consumer Issues
Topic: "Nice" furniture recommendations
Replies: 114
Views: 10974

Re: "Nice" furniture recommendations

FlexSteel. USA made - Not Chinese. My parents have it. My grandma had it. They ain’t bought furniture in decades. DECADES!. Stuff is durable. I got it too now. Two years in and it still looks good. Laying on a grey FlexSteel sectional couch now. If the current stuff is like decades ago I’ll be layin...
by SquirrelEater
Sat Sep 26, 2020 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Gazillionth mortgage pay off question
Replies: 67
Views: 5803

Re: Gazillionth mortgage pay off question

First, being in this situation is a no-loose situation. No choice is bad. You are doing very well. I vote for C or D. I currently am doing C. I pay an extra amount on mortgage that makes it an even/whole number. Example: 1500 or 2000 instead of 1234.56. The rest I feed into taxable brokerage. Both o...
by SquirrelEater
Fri Sep 18, 2020 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 377
Views: 52033

Re: How to get over finance envy

A decade ago I was employed at a tax preparation company. Started as an accounting assistant. Saw just about every tax return the company did. Touched nearly every W-2, 1099, 1098, etc that went into & out of the building. My desk was at a large window overlooking the parking lot. I saw most of ...
by SquirrelEater
Wed Sep 16, 2020 5:28 pm
Forum: Personal Consumer Issues
Topic: Invoice pricing on commercial truck?
Replies: 10
Views: 798

Re: Invoice pricing on commercial truck?

Throwing this out there: IIRC I paid $47k for my 2014 Isuzu NPR-HD (gasoline engine). Bought it brand new with a 14’ dump bed, two underbody tool boxes, rear hitch/bumper assembly, and trailer brake controller. I think the cab portion was $35k at the time. At the time Ford quoted me 32k at the time ...
by SquirrelEater
Mon Sep 07, 2020 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Rice & Beans [limiting food expenses]
Replies: 96
Views: 14345

Re: Rice & Beans [limiting food expenses]

Shop at Aldi. Super easy fix here. Buy meat with skin & bones. Tastes better and costs less. Scraps of all kinds can be thrown into a cast iron Dutch oven and come out amazing every time. A basic starter recipe is rice and water. Add any leftover vegetables or whatever. Chicken thigh(bone in and...
by SquirrelEater
Sun Sep 06, 2020 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can anyone suggest a joint checking account?
Replies: 58
Views: 2953

Re: Can anyone suggest a joint checking account?

I can vouch for a joint checking account. Wife & I have joint checking accounts (local bank + a Fidelity CMA) and two joint credit cards (Amex cash back for basics. Fidelity CC for non essentials). Joint taxable account too. If I could have a joint IRA I would. We are also “on the same page” reg...
by SquirrelEater
Mon Aug 17, 2020 7:37 am
Forum: Investing - Theory, News & General
Topic: Physical Silver VS SLV
Replies: 50
Views: 5010

Re: Physical Silver VS SLV

You got less than $12 on silver on 3/20 of this year? How and where were you able to do that? What form of silver did you purchase and in what amounts? Yes. Did it through Fidelity, not a coin shop selling physical silver. I tried online to buy physical but *magically* everyone is “sold out.” To be...
by SquirrelEater
Mon Aug 17, 2020 7:35 am
Forum: Personal Investments
Topic: Is this all there is?
Replies: 20
Views: 2010

Re: Is this all there is?

JoeRetire wrote: Mon Aug 17, 2020 5:41 am 0. Live beneath your means.
A graph to back this up.
Image
by SquirrelEater
Mon Aug 17, 2020 7:26 am
Forum: Investing - Theory, News & General
Topic: Physical Silver VS SLV
Replies: 50
Views: 5010

Re: Physical Silver VS SLV

"I once had SLV. Sold it off a month or two ago.... before the prices took off.... It was easy. Got in on it during the dip. 11.83 average cost basis iirc." I have been doing some of this quite a long time - I am curious when you bought silver anywhere near below $12? 3/20. Got in. 11.80....
by SquirrelEater
Sun Aug 16, 2020 6:39 pm
Forum: Investing - Theory, News & General
Topic: Physical Silver VS SLV
Replies: 50
Views: 5010

Re: Physical Silver VS SLV

If one holds physical silver through a brokerage company, how does one go about selling it? Are there market and limit orders, just like with stocks or do you have to put in a futures order for a certain time? Are commissions and fees negotiable with a broker and if so, it it as simple as asking &q...
by SquirrelEater
Sun Aug 16, 2020 6:33 pm
Forum: Investing - Theory, News & General
Topic: Physical Silver VS SLV
Replies: 50
Views: 5010

Re: Physical Silver VS SLV

I don’t have experience with Metals in a fancy bank vault. But my advice is free! I doubt you’ll have trouble buying & selling SLV. Plenty of buyers/sellers on a super easy platform (everyone who has a brokerage account or Ira or big traders). Thousands upon thousands of potential buyers availa...
by SquirrelEater
Sun Aug 16, 2020 10:35 am
Forum: Personal Investments
Topic: What Individual stocks are you buying?
Replies: 147
Views: 12980

Re: What Individual stocks are you buying?

ENLC. Should of bought it when it was a $1.88. I didn’t. Just had to have it at $1.85 because I wanted to feel like I was getting good price. Now $2.00 is a good price. But who woulda thought a V recovery? Now I recently paid $3.05 on Friday. Oil is the one area where stock prices have not recovered...
by SquirrelEater
Sun Aug 16, 2020 9:51 am
Forum: Investing - Theory, News & General
Topic: Physical Silver VS SLV
Replies: 50
Views: 5010

Re: Physical Silver VS SLV

I don’t have experience with Metals in a fancy bank vault. But my advice is free! I doubt you’ll have trouble buying & selling SLV. Plenty of buyers/sellers on a super easy platform (everyone who has a brokerage account or Ira or big traders). Thousands upon thousands of potential buyers availa...
by SquirrelEater
Sat Aug 15, 2020 2:51 pm
Forum: Investing - Theory, News & General
Topic: Physical Silver VS SLV
Replies: 50
Views: 5010

Re: Physical Silver VS SLV

My personal take is that about the most secure option for storing such valuables is a floor safe, like the one below, encased in concrete at your home and hidden from view, preferably under carpet and with heavy furniture on top of it. https://i.imgur.com/5IU7UVi.jpg?1 This is only a good idea if y...
by SquirrelEater
Sat Aug 15, 2020 2:22 pm
Forum: Investing - Theory, News & General
Topic: Physical Silver VS SLV
Replies: 50
Views: 5010

Re: Physical Silver VS SLV

I don’t have experience with Metals in a fancy bank vault. But my advice is free! I doubt you’ll have trouble buying & selling SLV. Plenty of buyers/sellers on a super easy platform (everyone who has a brokerage account or Ira or big traders). Thousands upon thousands of potential buyers availab...
by SquirrelEater
Wed Aug 12, 2020 2:17 pm
Forum: Personal Consumer Issues
Topic: Groundhog in crawl space
Replies: 34
Views: 2519

Re: Groundhog in crawl space

It's illegal in PA to release any rabies-vector animal, of which GHs are included, so even with a live catch trap, you'd have to kill it after it struggled for hours. Far less humane than a kill trap or a .22. I also caught a skunk once in a live-catch trap, so I refuse to use them. I agree. I once...
by SquirrelEater
Wed Aug 12, 2020 2:04 pm
Forum: Personal Investments
Topic: Using Taxable to Spend
Replies: 22
Views: 2336

Re: Using Taxable to Spend

I ceased having a savings account a couple weeks ago. Gone full taxable for savings of all kinds. I think having a separate fdic savings can make sense early in the financial game. Eventually you reach a point where the taxable is so large a market correction threatens nothing but feelings, or a mar...
by SquirrelEater
Sun Aug 09, 2020 9:47 am
Forum: Personal Consumer Issues
Topic: Groundhog in crawl space
Replies: 34
Views: 2519

Re: Groundhog in crawl space

.22 bullet between the eyes. Then clean and skin (remove scent glands), marinate overnight in buttermilk, and various spices garlic, paprika, thyme, etc. then dredge in flour and fry. +1 Fine eating. Fine dining. Needs to be a good shot to keep them from going back in hole. Shotgun works well too. ...
by SquirrelEater
Wed Aug 05, 2020 12:26 pm
Forum: Investing - Theory, News & General
Topic: Anyone else hoarding cash right now?
Replies: 230
Views: 26520

Re: Anyone else hoarding cash right now?

I once was. Physical cash too (Incase bank systems down. Debt/credit systems) Having a bit of prepper interests I already had supplies like food and toiletries before it was cool. So no need to turn savings into supply. Didn’t realize that till recently. Only debt is a mortgage is a LCOL area (atm p...
by SquirrelEater
Wed Aug 05, 2020 6:44 am
Forum: Personal Consumer Issues
Topic: Cookware (frying pan) for a glass cooktop?
Replies: 24
Views: 1497

Re: Cookware (frying pan) for a glass cooktop?

Lodge Cast iron.
USA made.
Hasn’t scratched my glass cooktop.
We use cast iron more than other options.
If we could go 100% cast iron here we would.
Will likely last for generations; Extremely durable.
by SquirrelEater
Sun Jul 19, 2020 9:04 am
Forum: Non-US Investing
Topic: How to hedge in case of a disaster in your country's economy
Replies: 92
Views: 6426

Re: How to hedge in case of a disaster in your country's economy

I suspect things will be fine. A lot of people want to see UK fail for leaving the EU. Your ancestors had to deal with much worse in history: Vikings, Washington, Hitler, etc. You got this. There will still be bacon, beer, & butter in the grocery stores, so where is the UK problem? :mrgreen: The...
by SquirrelEater
Sat Jul 18, 2020 5:09 pm
Forum: Personal Consumer Issues
Topic: Any Astronomy Buffs Out There?
Replies: 81
Views: 5893

Re: Any Astronomy Buffs Out There?

Astronomy Buff? At one time very much so. I can’t stay up late and wake up early like I could when younger. Either squirrels or the stars. Can’t have both. I also can’t take the cold winter nights like I once could. Incase you didn’t know, size matters. Size matters more than magnification. Less mag...
by SquirrelEater
Wed Jul 15, 2020 7:28 am
Forum: Personal Consumer Issues
Topic: Best grass seed [for lawn repair]!
Replies: 21
Views: 2159

Re: Best grass seed!

https://www.jonathangreen.com/product/b ... -seed.html

This is what we use in Missouri. I’ve never found a better seed. Local sod farm uses this same seed aswell.
by SquirrelEater
Mon Jul 13, 2020 9:13 pm
Forum: Personal Consumer Issues
Topic: Sour like smell in house - Need Help
Replies: 33
Views: 3105

Re: Sour like smell in house - Need Help

Any plumbing going upstairs? Could try a dehumidifier. If something is growing it generally doesn’t like 55% and below humidity.... attic show any leaks?
Old house full of old lady moth balls?
by SquirrelEater
Mon Jul 13, 2020 8:55 pm
Forum: Personal Consumer Issues
Topic: Drainage Rock Suggestions
Replies: 9
Views: 817

Re: Drainage Rock Suggestions

https://i.pinimg.com/originals/a4/81/ab/a481abc3ff431bed9887456d5742c061.jpg https://img1.wsimg.com/isteam/ip/f1e3748a-398c-4cba-a40f-514ded214e3b/IMG_5715%202.jpg/:/rs=w:1280 https://www.gutterhelmet.com/wp-content/uploads/2017/01/flip-up.jpg https://www.ndspro.com/PDFs/Tech-Spec-Guides/principles-...
by SquirrelEater
Sun Jul 12, 2020 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming teacher after reaching FIRE? Advice needed!
Replies: 86
Views: 7420

Re: Becoming teacher after reaching FIRE? Advice needed!

Honestly I think teachers matter less than marketing claim and parenting matters sooo much more than we are led to believe. Therefore demographics is everything! I had more written.... But I think it would of gotten me banned. So I’ll leave it at this. Grass ain’t always greener on other side. Teach...
by SquirrelEater
Sun Jul 12, 2020 2:30 pm
Forum: Personal Consumer Issues
Topic: Any good car deals?
Replies: 52
Views: 3692

Re: Any good car deals?

Couple of years ago I got a new basic Chevy Spark for $9,798. They listing them now for around $10k. That is the list, so actual sale price can be lower. Wife is thinking of a new car - Chevy Trax. Some of those are listed 14-16k new. By the time we, and possibly you trade in or sell the existing ca...
by SquirrelEater
Sat Jul 11, 2020 9:53 am
Forum: Personal Consumer Issues
Topic: Amazon Delivery Issues-Any Ideas?
Replies: 39
Views: 1608

Re: Amazon Delivery Issues-Any Ideas?

Could be your usps branch? My company is served by a nearby small town post office. Everything is delayed from that post office. Payroll checks take a solid week, sometimes two weeks to arrive from two counties south since Covid madness hit the area. Can’t pickup the payroll because of Covid procedu...
by SquirrelEater
Fri Jul 10, 2020 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pay extra principal on house you do not plan on staying in?
Replies: 19
Views: 1710

Re: Pay extra principal on house you do not plan on staying in?

First, I hear refinancing can be a $5k thing. Would take years to “profit” off that for a lower rate for 123k principal. Principal and interest portion of a 30-year 126k mortgage is likely under $500/mo. Second, I also have a similar struggle (It is a nice problem to have!). Here is what I do: I opt...
by SquirrelEater
Sun Jul 05, 2020 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Based on neighborhood fireworks how is your local economy doing?
Replies: 55
Views: 4213

Re: Based on neighborhood fireworks how is your local economy doing?

Above average. I hope next year is a repeat. I can see my town’s show from my driveway, miles away, and watch my neighbors battle each other in the sky. There were three very well funded launch points here. I don’t know where the mosquitoes were last night, but they were not around. Too much smoke? ...
by SquirrelEater
Sun Jul 05, 2020 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card vs Debit Card
Replies: 53
Views: 2666

Re: Credit Card vs Debit Card

We CC. Debit is rarely used. I don’t even carry my debit card. Credit cards are paid in full each cycle. We carry two cards. One, an Amex, is used for gas, groceries(5%), and cell phone - we think of it as our monthly baseline expenses. The second card, Fidelity Visa, is used for all else. Everythin...
by SquirrelEater
Tue Jun 30, 2020 2:46 pm
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 17777

Re: YoutubeTV subscription now $64.99/month

$64.99 too much - Not exactly wholesome television.

Personally I ditched TV years ago. Maybe a decade at this point. Life is better without it. Once you have been absent from it you’ll be disgusted with it.

$779.88/year.
$7,798.80/decade.
by SquirrelEater
Mon Jun 22, 2020 9:45 pm
Forum: Personal Investments
Topic: Roth IRA
Replies: 2
Views: 446

Re: Roth IRA

Two years or more of contributions there?

Starting points to consider:
FSKAX
FXIAX
FTIHX
by SquirrelEater
Mon Jun 22, 2020 9:39 pm
Forum: Personal Consumer Issues
Topic: Moving/Selling House Stuff
Replies: 22
Views: 2206

Re: Moving/Selling House Stuff

Facebook Marketplace. I am amazed what my wife can sell on it. We will never agonize how to rid ourselves of stuff again. Someone will happily buy your 9 year old mattress that is well worn. Someone will happily buy that Christmas wreath in June for $15 (true story!). Someone will gladly buy the old...