I've been thinking about this post and all the feedback all day and I feel an apology is in order. After going through all the comments, doing some extra research, and talking to some people, it's pretty clear my post has some significant holes in it.
For that I apologize to Wisebread readers. You all deserve better than that. I will come back and post again on ETFs and try to do as much as I can to rectify this post.
Hopefully the comments will give readers some knowledge and this post will wind up doing some good after all.
THIS SHOULD ANSWER MOST OF YOUR QUESTIONS
9News Consumer Reporter Mark Koebrich looks at a simple formula that many call a "tonic" for a drought stressed lawn. It's a formula you can mix yourself.
It's made up of five common household products that you measure out into 10-gallon hose-end sprayer. A former Golf Course Groundskeeper who lives in Parker, Tim Heffron, found it while watching television years ago in Oklahoma. "I started using it about five years ago back in Oklahoma where it's 100 degrees every day, day in and day out," says Heffron.
Heffron clearly has the best looking lawn in his neighborhood. He has no sprinkler system and only hand-waters his lawn sparingly. He does use small amounts of dry fertilizer as well.
You'll find many similar formulas on the Internet, and we've listed some sights below, but this is a formula that seems to work well in Colorado.
You can use any size hose-end sprayer you can find. Since our first story, many of the 10-gallon rated sprayers have sold out. The "10-gallon" size is just a reference to the hose-end sprayers capacity when under pressure from your hose. It does not mean the sprayer has a 10-gallon tank. Again, if you don't already have a hose-end sprayer (a device with a little plastic jug, usually about a quart to a quart-and-a-half in size, with a nozzle top that attaches to your hose) you can use any hose-end sprayer you can find. Just adjust the mixture accordingly if your sprayer holds less than the recipe calls for. Most homeowners are telling us they need two sprayers-full to cover 5,000 square feet, or the average lawn. But everyone's sprayer has a different flow rate. The tonic is best applied in the evening after you mow. You do not need to water it in as you're applying it with water and it's already going to the roots of your lawn.We have no had no reports of the tonic being hazardous to your pet.
The "Lawn Tonic"
-One full can of regular pop (any kind-no diet soda)
-One full can of beer (no light beer)
-1/2 Cup of Liquid dishwashing soap (do NOT use anti-bacterial dishwashing liquid)
-1/2 Cup of household ammonia
-1/2 Cup of mouthwash (any brand)
-Pour into 10-gallon hose-end sprayer (other sizes will work too)
-In high heat, apply every three weeks
The liquid soap is a wetting agent, helping the formula penetrate to the roots. The ammonia promotes growth and turns your lawn green, and the mouthwash does something you would never suspect mouthwash would do. It kills the bugs and grubs. NOTE: Do NOT use anti-bacterial dishwashing liquid in the mixture as it will kill off important microbes in the lawn and soil that help "digest" thatch.
"It essentially messes-up their re-productive cycles and keeps them out of your lawn and makes it look a lot better and leaves it minty fresh," laughs Heffron. And because it's applied with the hose sprayer, it's a direct shot to your sod. "When you don't have a lot of water and we're on watering restrictions, this is another way to get the nutrients to your lawn and keep it growing."
There was a time when a person only had to meet a minimum credit score requirement to obtain a home loan, and the rate and cost of the loan was not affected by the score. Today your credit score can cost or save you thousands when it comes to obtaining a loan. Visit http://www.cardtohave.com/credit-card-ratings.html to learn more about credit ratings.
Flying has always been pretty expensive, but it looks like it's about to get even worse.
But many airlines offer discounts to those who prepay for their baggage online. Check airline policies on baggage policies before booking. Do some plans , maybe 1 month before you travel..happy trip!!:)
I checked out Andrea's post and the numerous comments. The only thing I'd add to the overall picture is that if one's idea is to add diversity in the form of animal protein rather than needing a daily source of calories in the form of meat, the task is easier. I've never been very interested in hunting or fishing but have known a lot of talkative practitioners. A few obvious things, some of which are mentioned in the comments to Andrea's piece: Always choose the low-hanging fruit--what's common and what's easy. Getting some protein by fishing will usually be cheaper and easier than most kinds of hunting. In many relatively rural or at least non-industrial areas, bluegill and other sunfish are abundant in lakes and relatively uncontaminated. It's probably best to learn and follow the fish and game laws. Rabbits are common some places but successful rabbit hunting usually takes an experienced dog. With widespread feeding of birds, squirrels are abundant many places, if you can find a legal place to shoot. If you see a grouse or pheasant killed by the car ahead of you, stop and pick it up. In much of eastern North America, the giant Canada goose is abundant and unwanted, but I'm not sure what a cheap and legal way of acquiring an occasional one might be.
Until I lose quite a bit of weight, I would not even think of depending on finding clothes on vacation. I have enough trouble finding plus sized clothing that actually covers me in the states.
I would strongly disagree.
One of the most important thing an ETF has and Mutual Fund doesn't is the option to purchase , well - options !
For example, you can buy an ETF and easily hedge using put options.
Options are important hedging strategy of every balanced portfolio, and are relevant even for non-professional investors, like most of us.
Little house-Really creative. I like the approach. Apart from a stint in graduate school in San Diego, my husband and I have always considered cost of living when moving. Choosing lower cost of living locations has really upped our ability to amass assets and maximize our standard of living. Thanks for an interesting read. Barb Friledberg
Also, WC, you have to understand that traders affect mutual funds, too, since they trade all the stocks underlying the funds. Large ETFs track the indices very well in real time, and I don't see that as a bad thing. In case of a catastrophic crash you would probably want to liquidate before the market hits zero.
Andrea had a pretty good post a while back on the topic called Is hunting/fishing a good way to feed your family?. Her take on it (mine too) is that it can be very effective for people who already have the skills and equipment. If hunting and fishing isn't a family tradition, though, it's pretty hard to bootstrap yourself up to a level of proficiency where it's an effective use of your time and money.
Day 9 of fermintation of my first batch of Black Beards Rum. Just checked it to see if it was still bubbling and it sure is now. You can see it moving the mix around. Allot of little bubbles all over. The batch of shine is also on day 9 of fermintation. It too is bubbling really good. Will check it in a couple of more days and report in then on its progress. P.S. they smell GREAT!!!
The author really did not make his case at all and was not very convincing. I am quite happy with the ETFs that I have purchased (without commission) through Vanguard and Wells Fargo. The only "trading" that I have done is the initial purchase and some year-end tax-loss harvesting.
If you look at fees alone, ETF's have an advantage over indexed mutual funds. I'm not sure what the story is in the US, but in Canada there are companies that allow you to do DRIP's and PACC's (Pre-Authorized Cash Contribution) which bypass trading fees (perfect for long term investing). When you get into a couple hundred thousand dollars, this difference in fees is big money.
The fact that they trade like a fund is an advantage to "normal" people as well. I can set limit and stop orders. When I sell I get my money faster. With high liquidity there's more certainty in the price I'm getting.
"Traders" jumping in and out should have no effect on the performance of the ETF as a whole, it's just a transparent index of stocks (or bonds or whatever).
The more I think of it, this is a ridiculous article. ETFs aren't even that new anymore, why are you trying to stir up ****?
Clearly some of the healthiest diets can be made from some of the cheapest foods, though if you go organic, some of the economy is lost. You can mix and match kale, oats, rice, beans, etc. and have quite a varied diet. The point is a good one that if you get most of your diet at low cost--though with the price of it being almost exclusively vegetarian-then the other things you eat ought to be things you really like. No sense in eating Twinkies for dessert unless you like them a lot better than high-quality dark chocolate or day-old white bread instead of a good bakery's whole grain.
Especially for people who live in small towns or rural areas, wild fish and game could make fairly low-cost additions of animal protein and accompanying vitamins for some people. I don't think I've seen much about that topic at Wise Bread.
Too funny - "Netspend has come in to help those of us who have had bad experiences with financial institutions and wanted something simple and easy." Wuh?
I thought Netspend was a financial institution, no? Allowing us to spend our own money by their rules and fees does not strike me as a charitable organization, I'm confused.
I feel jipped and want to know about these purported wonderful experiences.
Wouldn't great perks be like, dental coverage, company car, so on? Getting paid up to 5 days before co-workers would happen with any direct deposit. NS is a for-profit corp out to get as much of your money as you will allow it - not some angelic money helper sent from beyond, people.
Speaking of which... Walmart has a Visa MoneyCard (pre-paid debit) that charges $3 to open, $3 to load, and $3 monthly maint fee. Nothing for transactions.
Too funny - "Netspend has come in to help those of us who have had bad experiences with financial institutions and wanted something simple and easy." Wuh?
I thought Netspend was a financial institution, no? Allowing us to spend our own money by their rules and fees does not strike me as a charitable organization, I'm confused.
I feel jipped and want to know about these purported wonderful experiences.
Wouldn't great perks be like, dental coverage, company car, so on? Getting paid up to 5 days before co-workers would happen with any direct deposit. NS is a for-profit corp out to get as much of your money as you will allow it - not some angelic money helper sent from beyond, people.
Speaking of which... Walmart has a Visa MoneyCard (pre-paid debit) that charges $3 to open, $3 to load, and $3 monthly maint fee. Nothing for transactions.
It is true that lowering the limit will hurt your credit score, and I don't think it's a good startegy to make less available as a way to stop spending. The control must come from your goals not from necessity.
It is also true that you might end up with too much credit availble compared to utilization. You can call a creditor you have several cards with and ask them to move the credit from one card to another and then cut up the one you just closed, just make sure you keep either the oldest card, or the one with the smaller interest rate.
I agree that using up balances should be used on purchases you would have made anyway such as gas and groceries, unless you are completely out of debt, why not make those cards give you a little bit of breathing room (as small as it might be anything helps :))
My husband and I also make our own dog food. Our black lab who we adopted from the local Humane Society had terrible gas and pooped way too much. We tried expensive dog food supposedly made of food humans could eat and that worked for awhile but when he started having terrible gas again we decided to make his food. We use brown rice, low fat meat of some kind - often ground turkey or ground beef, sometimes chicken, cottage cheese, and a variety of vegetables. We also mix in olive oil, dried seaweed, flax seed oil pills, vitamins and supplements. He is rarely stinky now and his coat is great. He's always excited to eat and eats everything within seconds. It takes some time to make it but our dog is family and we want to give him the best while he's here (he has melanoma).
A good article nonetheless.
I've been thinking about this post and all the feedback all day and I feel an apology is in order. After going through all the comments, doing some extra research, and talking to some people, it's pretty clear my post has some significant holes in it.
For that I apologize to Wisebread readers. You all deserve better than that. I will come back and post again on ETFs and try to do as much as I can to rectify this post.
Hopefully the comments will give readers some knowledge and this post will wind up doing some good after all.
Sorry everyone!
THIS SHOULD ANSWER MOST OF YOUR QUESTIONS
9News Consumer Reporter Mark Koebrich looks at a simple formula that many call a "tonic" for a drought stressed lawn. It's a formula you can mix yourself.
It's made up of five common household products that you measure out into 10-gallon hose-end sprayer. A former Golf Course Groundskeeper who lives in Parker, Tim Heffron, found it while watching television years ago in Oklahoma. "I started using it about five years ago back in Oklahoma where it's 100 degrees every day, day in and day out," says Heffron.
Heffron clearly has the best looking lawn in his neighborhood. He has no sprinkler system and only hand-waters his lawn sparingly. He does use small amounts of dry fertilizer as well.
You'll find many similar formulas on the Internet, and we've listed some sights below, but this is a formula that seems to work well in Colorado.
You can use any size hose-end sprayer you can find. Since our first story, many of the 10-gallon rated sprayers have sold out. The "10-gallon" size is just a reference to the hose-end sprayers capacity when under pressure from your hose. It does not mean the sprayer has a 10-gallon tank. Again, if you don't already have a hose-end sprayer (a device with a little plastic jug, usually about a quart to a quart-and-a-half in size, with a nozzle top that attaches to your hose) you can use any hose-end sprayer you can find. Just adjust the mixture accordingly if your sprayer holds less than the recipe calls for. Most homeowners are telling us they need two sprayers-full to cover 5,000 square feet, or the average lawn. But everyone's sprayer has a different flow rate. The tonic is best applied in the evening after you mow. You do not need to water it in as you're applying it with water and it's already going to the roots of your lawn.We have no had no reports of the tonic being hazardous to your pet.
The "Lawn Tonic"
-One full can of regular pop (any kind-no diet soda)
-One full can of beer (no light beer)
-1/2 Cup of Liquid dishwashing soap (do NOT use anti-bacterial dishwashing liquid)
-1/2 Cup of household ammonia
-1/2 Cup of mouthwash (any brand)
-Pour into 10-gallon hose-end sprayer (other sizes will work too)
-In high heat, apply every three weeks
The liquid soap is a wetting agent, helping the formula penetrate to the roots. The ammonia promotes growth and turns your lawn green, and the mouthwash does something you would never suspect mouthwash would do. It kills the bugs and grubs. NOTE: Do NOT use anti-bacterial dishwashing liquid in the mixture as it will kill off important microbes in the lawn and soil that help "digest" thatch.
"It essentially messes-up their re-productive cycles and keeps them out of your lawn and makes it look a lot better and leaves it minty fresh," laughs Heffron. And because it's applied with the hose sprayer, it's a direct shot to your sod. "When you don't have a lot of water and we're on watering restrictions, this is another way to get the nutrients to your lawn and keep it growing."
There was a time when a person only had to meet a minimum credit score requirement to obtain a home loan, and the rate and cost of the loan was not affected by the score. Today your credit score can cost or save you thousands when it comes to obtaining a loan. Visit http://www.cardtohave.com/credit-card-ratings.html to learn more about credit ratings.
Flying has always been pretty expensive, but it looks like it's about to get even worse.
But many airlines offer discounts to those who prepay for their baggage online. Check airline policies on baggage policies before booking. Do some plans , maybe 1 month before you travel..happy trip!!:)
I checked out Andrea's post and the numerous comments. The only thing I'd add to the overall picture is that if one's idea is to add diversity in the form of animal protein rather than needing a daily source of calories in the form of meat, the task is easier. I've never been very interested in hunting or fishing but have known a lot of talkative practitioners. A few obvious things, some of which are mentioned in the comments to Andrea's piece: Always choose the low-hanging fruit--what's common and what's easy. Getting some protein by fishing will usually be cheaper and easier than most kinds of hunting. In many relatively rural or at least non-industrial areas, bluegill and other sunfish are abundant in lakes and relatively uncontaminated. It's probably best to learn and follow the fish and game laws. Rabbits are common some places but successful rabbit hunting usually takes an experienced dog. With widespread feeding of birds, squirrels are abundant many places, if you can find a legal place to shoot. If you see a grouse or pheasant killed by the car ahead of you, stop and pick it up. In much of eastern North America, the giant Canada goose is abundant and unwanted, but I'm not sure what a cheap and legal way of acquiring an occasional one might be.
Until I lose quite a bit of weight, I would not even think of depending on finding clothes on vacation. I have enough trouble finding plus sized clothing that actually covers me in the states.
I would strongly disagree.
One of the most important thing an ETF has and Mutual Fund doesn't is the option to purchase , well - options !
For example, you can buy an ETF and easily hedge using put options.
Options are important hedging strategy of every balanced portfolio, and are relevant even for non-professional investors, like most of us.
Little house-Really creative. I like the approach. Apart from a stint in graduate school in San Diego, my husband and I have always considered cost of living when moving. Choosing lower cost of living locations has really upped our ability to amass assets and maximize our standard of living. Thanks for an interesting read. Barb Friledberg
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Also, WC, you have to understand that traders affect mutual funds, too, since they trade all the stocks underlying the funds. Large ETFs track the indices very well in real time, and I don't see that as a bad thing. In case of a catastrophic crash you would probably want to liquidate before the market hits zero.
Andrea had a pretty good post a while back on the topic called Is hunting/fishing a good way to feed your family?. Her take on it (mine too) is that it can be very effective for people who already have the skills and equipment. If hunting and fishing isn't a family tradition, though, it's pretty hard to bootstrap yourself up to a level of proficiency where it's an effective use of your time and money.
Day 9 of fermintation of my first batch of Black Beards Rum. Just checked it to see if it was still bubbling and it sure is now. You can see it moving the mix around. Allot of little bubbles all over. The batch of shine is also on day 9 of fermintation. It too is bubbling really good. Will check it in a couple of more days and report in then on its progress. P.S. they smell GREAT!!!
One of my favorites...
"I have all the money I'll ever need. As long as I'm dead by four o'clock."
- Henny Youngman
The author really did not make his case at all and was not very convincing. I am quite happy with the ETFs that I have purchased (without commission) through Vanguard and Wells Fargo. The only "trading" that I have done is the initial purchase and some year-end tax-loss harvesting.
This doesn't make any sense at all.
If you look at fees alone, ETF's have an advantage over indexed mutual funds. I'm not sure what the story is in the US, but in Canada there are companies that allow you to do DRIP's and PACC's (Pre-Authorized Cash Contribution) which bypass trading fees (perfect for long term investing). When you get into a couple hundred thousand dollars, this difference in fees is big money.
The fact that they trade like a fund is an advantage to "normal" people as well. I can set limit and stop orders. When I sell I get my money faster. With high liquidity there's more certainty in the price I'm getting.
"Traders" jumping in and out should have no effect on the performance of the ETF as a whole, it's just a transparent index of stocks (or bonds or whatever).
The more I think of it, this is a ridiculous article. ETFs aren't even that new anymore, why are you trying to stir up ****?
Clearly some of the healthiest diets can be made from some of the cheapest foods, though if you go organic, some of the economy is lost. You can mix and match kale, oats, rice, beans, etc. and have quite a varied diet. The point is a good one that if you get most of your diet at low cost--though with the price of it being almost exclusively vegetarian-then the other things you eat ought to be things you really like. No sense in eating Twinkies for dessert unless you like them a lot better than high-quality dark chocolate or day-old white bread instead of a good bakery's whole grain.
Especially for people who live in small towns or rural areas, wild fish and game could make fairly low-cost additions of animal protein and accompanying vitamins for some people. I don't think I've seen much about that topic at Wise Bread.
Sorry WC, but this was a bizarre article...if you hate traders, then why did you recommend buying GS in a previous article?
This post includes great points. When trying to negotiate a price, you have nothing to lose and everything to gain. The worst they could say is no.
Too funny - "Netspend has come in to help those of us who have had bad experiences with financial institutions and wanted something simple and easy." Wuh?
I thought Netspend was a financial institution, no? Allowing us to spend our own money by their rules and fees does not strike me as a charitable organization, I'm confused.
I feel jipped and want to know about these purported wonderful experiences.
Wouldn't great perks be like, dental coverage, company car, so on? Getting paid up to 5 days before co-workers would happen with any direct deposit. NS is a for-profit corp out to get as much of your money as you will allow it - not some angelic money helper sent from beyond, people.
Speaking of which... Walmart has a Visa MoneyCard (pre-paid debit) that charges $3 to open, $3 to load, and $3 monthly maint fee. Nothing for transactions.
Too funny - "Netspend has come in to help those of us who have had bad experiences with financial institutions and wanted something simple and easy." Wuh?
I thought Netspend was a financial institution, no? Allowing us to spend our own money by their rules and fees does not strike me as a charitable organization, I'm confused.
I feel jipped and want to know about these purported wonderful experiences.
Wouldn't great perks be like, dental coverage, company car, so on? Getting paid up to 5 days before co-workers would happen with any direct deposit. NS is a for-profit corp out to get as much of your money as you will allow it - not some angelic money helper sent from beyond, people.
Speaking of which... Walmart has a Visa MoneyCard (pre-paid debit) that charges $3 to open, $3 to load, and $3 monthly maint fee. Nothing for transactions.
It is true that lowering the limit will hurt your credit score, and I don't think it's a good startegy to make less available as a way to stop spending. The control must come from your goals not from necessity.
It is also true that you might end up with too much credit availble compared to utilization. You can call a creditor you have several cards with and ask them to move the credit from one card to another and then cut up the one you just closed, just make sure you keep either the oldest card, or the one with the smaller interest rate.
I agree that using up balances should be used on purchases you would have made anyway such as gas and groceries, unless you are completely out of debt, why not make those cards give you a little bit of breathing room (as small as it might be anything helps :))
My husband and I also make our own dog food. Our black lab who we adopted from the local Humane Society had terrible gas and pooped way too much. We tried expensive dog food supposedly made of food humans could eat and that worked for awhile but when he started having terrible gas again we decided to make his food. We use brown rice, low fat meat of some kind - often ground turkey or ground beef, sometimes chicken, cottage cheese, and a variety of vegetables. We also mix in olive oil, dried seaweed, flax seed oil pills, vitamins and supplements. He is rarely stinky now and his coat is great. He's always excited to eat and eats everything within seconds. It takes some time to make it but our dog is family and we want to give him the best while he's here (he has melanoma).