Foreign Currency ETFs

So let me ask you a question…since I really know nothing about this.

What do you think of the idea of basically buying a few foreign currency ETFs that generally move in opposition to one another? And then, as the prices for the ETFs move away from each another, you can simply rebalance them to get the portfolio back into the area you want. It would basically be the same thing as diversifying and rebalancing asset classes, but you would be using currency ETFs.

Since there is some volatility in this market, I think there is something to this strategy. It might be someplace to park some money as a hedge against many things. Also, by using ETFs, you don’t have to necessarily get into the FOREX (Foreign Exchange) market, per se. ETFs are a heck of a lot easier to trade and they act very similarly to stock trades.

Well, what do you think? Does anyone have any experience with this? Is it a logical idea now that we are hearing all sorts of news about a bond bubble?

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Brave New World

I finished reading “Brave New World” a few days ago. I have to tell you that for a while there, I didn’t think I was going to get through it.

Rarely have I actually put down a book before I finished reading it. By “put down,” I mean stop reading it for good. I generally have a good sense about books. I don’t start them unless I am prepared to finish them.

Brave New World is a classic. As such, I expected the book to be thrilling from beginning to end. Brave New World was not thrilling from beginning to end, but it did redeem itself at its conclusion.

I am not going to give you a long review on this book because there are way too many of them already. What I will do is tell you that I got tingles by what was written on the last page. I will also tell you that I am extremely happy that I finished this book.

My opinion is that Brave New World was actually a tragedy. A tragedy, just like the “” and “Othello” that were mentioned so many times throughout. Many people might read this book and come to the conclusion that it was simply a …something that will never happen. Others may read this book and consider its societal system as something to fear. I view this book as merely a story about how people fit in. It’s a story about and the struggle between new and old. New being the and old being the land of the savages.

The real tragedy of Brave New World is how new and old can’t co-exist. It’s one or the other…either or. There’s a line in the sand that both can’t cross. Of course, the last chapter of the book shows what society’s impact can have on someone. To me, that’s the real fear.

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Visiting I-Park in East Haddam, CT

A few days ago, I was a bit depressed. I was all sorts of feeling sorry for the state of affairs in the world. I do a lot of reading and watching a wide variety of videos online and pretty much came to the conclusion that we are in disarray. I won’t even tell you the volume of research I do into these areas because I will just start feeling bad again.

So there I was, pouting away when my better half approaches me and says, “Hey, do you want to go visit that I-Park place I was telling you about? It’s really cool. Different artists create pieces that fit nicely in natural habitats.” Now, you can imagine the thoughts that were coursing through mind at that instant. I didn’t verbalize any of them, but they were pretty much to the effect of…You want me to go try to enjoy some artwork in the woods while there are so many more important things to worry about? I have never been one to really enjoy art as much as others do. I mean, I do once it is in front of me, but getting there is difficult.

We went anyway. I didn’t want to go, but for the sake of our relationship, we went. My goal was to pull up and park, walk around for a bit with a fake smile and then leave.

When we arrived at I-Park, I was pleased to discover that the property was situated in one of my favorite places in . It was in close proximity to Devil’s Hopyard State Park in East Haddam. Why do I like this area so much? Well, because the masses haven’t invaded it yet. There is very little traffic and it’s quite peaceful. I actually wish we lived on a nice large piece of land there.

I am going to be honest with you. My bad mood started to slide off me. As I walked around I-Park, I began to discover that these people really didn’t need to know about all the bad things I knew. I am not even going to try to get into their heads, but I started realizing that simply living in a nice environment, doing what you love is actually much more rewarding than getting all caught up in other people’s business. I really have to learn to relax and get out more often. My mental health depends on it.

We walked around for a good long while. The I-Park property is acres and acres, so there was plenty to do. It’s very pretty, with a big lake and great walking trails through meadows and woods. There were many displays to pause at and absorb. By the time we were done, I had completely forgotten what I was so annoyed at and started pondering strategies that would help me become less dependent on the internet and all the bad news it provides. Since I was a kid, I have fantasized about having a great big piece of property somewhere and cutting nice trails through it all day long. That would be the life.

Anyway, I took a bunch of pictures. When I say a bunch, I mean a bunch. I am going to post them below in gallery format. Please feel free to click each one for a closer look and if you tell anyone I am the guy who felt sorry for himself when I walked in this place, I’ll deny it.

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Costco vs. BJ’s vs. Sam’s Club Wholesale Clubs

Oh here we go again. Yes folks, another post about which is better, Costco vs. BJ’s vs. Sam’s Club wholesale clubs.

Let truth be told, we like them all. Each wholesale club offer a variety of foods in bulk, which saves us gas and time. Oh yeah, this post is about our food shopping, not about buying a plastic shed, swing set or a six-pack of motorcycles.

Throughout the past few years, we have been members of Sam’s Club, Costco and BJ’s wholesale clubs. The latter with only one visit. I think I’ll go chronologically with my views on all of them.

1. Sam’s Club – I think we were members of Sam’s Club about eight years ago and then again four or five years ago. It was pretty good. I don’t have anything bad to say about it. The only problem is that both times, the club was at least a half hour away from where we lived. This is actually a good thing because living near a big wholesale club can’t be good for quality of life. By that, I mean traffic, ugliness of the roads (strip malls, etc…) and things in general. We tend to gravitate more towards pretty rural areas where fewer people live. Although, those places are getting crowded as well.

From what I remember, Sam’s Club had a decent selection of food. I liked the big bags of frozen veggies, but I do remember getting potato and seafood salad each time we went. Pickles too. We don’t eat that stuff anymore, so Sam’s Club might be a bit limited for us. They had a great produce area and a good selection of food overall. Again, nothing bad to say.

2. Costco – From reading over many websites that deal with which is the best wholesale club, I think the public has reach a consensus that Costco is the best. I will say that the last Costco (of which we are still members) we went to offered gasoline at a nice discount. I used to wait until we had to fill the car before we would head up there.

The food at Costco was good, but did get a bit boring at times. I liked the fact that they offered cage free eggs and had a really nice produce department that had some pretty big packaging. One of the more disappointing things about Costco is the checkout lines. Since the store is so popular, the lines get kind of long, even at off-peak times. We never visited the store at peak times, but from what we saw, Costco did a good job at keeping things moving along.

Really, the only reason we decided to leave Costco is because of the long distance between where we live and the store. Everything else was okay.

3. BJ’s – We just signed up for a membership at BJ’s wholesale club. We made sure that this was one of the newer and larger clubs, because we don’t like the smaller, older ones. The lighting and selection is better at the club we signed up with than the sister club just a few towns over.

This BJ’s club is about 20 miles closer to where we live than Costco is. There are two reasons that pushed us into changing; distance and store hours. Again, the store is closer, but the store hours of Costco were really getting on our nerves. It opens late and closes early. As I expressed above, we like to avoid the crowds. That’s pretty difficult to do when there are short store hours. We were forced to drive in traffic and shop with people we don’t necessarily care for.

We did a walk through of BJ’s before we made the leap. It had everything we needed and then some. There is a really nice selection of veggie burgers and other things, but they are missing the big box of green tea that my better half likes. We’ll just get that somewhere else. Also, this BJ’s doesn’t offer discounted gas, but I’ll survive. Perhaps I won’t need so much gas anymore, now that I shaved off 40 miles every time I go shopping at one of these places.

Just like the other clubs, BJ’s is in a crowded area of town. I don’t like that, but I am sure I’ll make it through.

So, what’s the reason we go shopping at big wholesale clubs when we really don’t like the idea of their existence? Well, it’s to save time and money. We do a good portion of our shopping at a local market and a produce stand, but for getting those staple items, we have found these stores to be the best. I only like to shop about once every two months and getting cases of things is better than getting single items. It keeps me off the road and saves gas and annoyance. I don’t think anyone likes driving around crowded areas and if they have the chance to avoid it, they would take that opportunity.

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Two New Cleveland Select Pear Trees

I guess August is the time to plant Cleveland Select . It seems to be a trend around these parts. I have no idea why…maybe it’s because the landscaping rush is just about over in the big box stores and now the prices are down a bit. Whatever. It just seems that I purchase more trees and shrubs toward the end of the .

I happened to be near Lowe’s yesterday when I thought it might be a good idea to drop in to see if there were any nice trees available. I haven’t had any luck with for…years. I don’t know what’s going on over on that end. Lowe’s has been the place to get the good stuff. seems to be jacking up the prices and cutting the selection. I know this might be just perception and the inventory varies in different stores, but I think I have had it with them. Lowe’s gives me what I want.

I was pleasantly surprised when I walked into the nursery area to find a whole bunch of one gallon trees for less than $20. There were Crabapples, Peach trees, Cleveland Select , Maples, Oaks and a whole bunch more. I think I got these two Cleveland Select for $18.98 each or something like that. Nice.

The reason I really like the Cleveland Select tree is because it’s a pretty tough tree, it grows really fast and it doesn’t get too large. The tag says it grows to about 40 feet. That’s a nice size tree that you don’t have to worry about falling on the house.

Speaking of growing fast…we bought about five or six of these trees last year. They probably grew about two feet this year. Every time I go up and look at them, I am amazed at how thick the trunks are getting. I like seeing something actually grow.

On another note, we have been having a lot of hot, dry weather around here. These Cleveland Select haven’t been showing the least sign of stress. the leaves on one of our Hickory trees are turning brown and are getting crispy, but these trees are hanging in there.

I am going to post a few pictures of these trees. I would say they are between four and five feet tall. When I planted them, I made sure to dig a fairly large hole. Then, I put the tree ball in the hole and filled it with . When have nice soft to grow into, the tree grows a heck of a lot faster. When I was done with that, I made a nice moat around the tree to hold any water I put there. That ensures that the actually get water instead of just having it run off as the gets dry and hard.

PS – The rocks are there simply because I dug them up and got lazy. I just left them there.

Cleveland Select Pear Tree Planted In Front Yard

Cleveland Select Tree Planted In Front Yard

Cleveland Select Pear Tree Planted On Hillside

Cleveland Select Tree Planted On Hillside

Moat Around Base of Cleveland Select Pear Tree

Moat Around Base of Cleveland Select Tree

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Clear Choice Wood Pellets

Well, we had two pallets worth of Clear Choice wood pellets delivered a few days ago. These are softwood pellets. I wrote about the difference between softwood and hardwood wood pellets in a previous post. After talking to the dealer, we decided on the softwood.

Since I wrote so much in that previous post, I won’t rehash it here. I basically wanted to show you the pellets. Again, we got two pallets worth, not two tons worth. There is more than a ton on each pallet. In total, we got 130 40lb bags.

Clear Choice Wood Pellets

Clear Choice Wood Pellets

130 Bags of Softwood Wood Pellets

130 Bags of Softwood Wood Pellets

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Saving All Sorts of Money

I gotta tell ya, I’m getting pretty good at saving money.

It’s really a change of mindset. There have been so many times in the past few months that I would have gone off and bought something that I didn’t really need. These day, I consider the idea for a bit longer and then choose not to buy anything. Many times, I already have what I need. An example would be something that happened this morning. I was making some “moats” around some small trees when I discovered that I needed a top dressing. I thought that going down to the local nursery for some mulch was in order. As I sat there, I remember that I already had two pretty nice sized piles of sitting in the woods. I went ahead and topped off these moats with instead of mulch.

By the way, I am making moats around these little trees because they aren’t faring too well through this hot, dry Summer of ours. They are getting crispy and I figured that by making moats and really filling them up with water, some moisture will get down to the . Poor little trees can only last so long in dust-like .

Anyway, a while back, I signed up for a financial portfolio management subscription. It was a really awesome program, but it was costing me $9.95 per month. I got an idea yesterday that if I could creat an Excel spreadsheet with some nice functions, I could basically accomplish a stripped down version that what this service was offering. When I got on the computer, I did a quick Google search for the type of spreadsheet I was looking for. Wouldn’t you know it…many people have already created this type of spreadsheet and offered free downloads. I grabbed one and just completed the necessary modifications. Now, I have my portfolio, with rebalancing and all, right there in this one file. Pretty cool. I went ahead and cancelled my subscription and just saved $9.95 per month.

I also let a that I was receiving expire. It’s little things like this that save money. Those items, coupled with the cancelling of the cable TV and the garbage pickup service are really going to make a difference monthly. It’s almost at the level of being fun.

There is also one added benefit of cancelling a bunch of unnecessary things that cost money…it’s the feeling of not being so connected anymore. Too many connections, too many things with my name on them drive me crazy. It’s burdensome.

Anyway, I guess I am writing this just to let you know that it’s easy to get rid of stuff that you really don’t need. It can save a bit of money and offer some peace of mind.

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How To Stop Moles and Voles From Eating Your Holly Bushes

This is a real problem. Moles and Voles eating the of Holly bushes, that is. It’s infuriatingly maddening. It’s time, labor and money down the drain.

I have read articles on the internet about people having big beautiful Holly bushes suddenly get brown and crispy. They wondered what in the heck was causing the problem, only to later discover mole tunnels all throughout the root systems. That’s the problem we are having here and if you are reading this post, that’s the problem you are having too.

So, how do you stop moles from eating the of your Holly bushes? Well, you are going to have to use a little muscle. Muscle and that rabbit . There really is only one thing you can do and that’s to block them from getting to the heart of the root system.

I went outside this morning to water a few things and noticed some lifted under my feet. It was like walking on a mattress. I am used to this and have been wondering when the moles that were creating these tunnels would start working on my one year old Holly shrubs. Well, today is the day. How do I know? Well, that’s easy. I just grabbed the trunk of one of the Holly bushes and tried to lift. If the bush easily comes out of the ground, yup, we got problems. That’s what happened this morning.

Holly Bush That Was Pulled From the Ground Because of Moles

Holly Bush That Was Pulled From the Ground Because of Moles

Holly Bush With Roots Laying On Lawn

Holly Bush With Laying On Lawn

Now, I want to stress to you that all is not lost if you have this happening to you. If your Hollys are still growing okay, then you can fix the situation. It’s just going to take some work. Without it, you will lose the bushes.

Here’s what I did:

First, I found some old rabbit . You know, the stuff people make rabbit cages out of. Then, I cut some pieces…two one foot by one foot squares and one four foot by one foot strip. These pieces basically make a one by one by one foot cube. After that, I cut a hole out of the center of one of the squares.

Three Pieces of Cut Rabbit Fencing

Three Pieces of Cut Rabbit

One Foot by Four Foot Piece of Rabbit Fencing

One Foot by Four Foot Piece of Rabbit

One by One by One Foot Cube Made From Rabbit Fencing

One by One by One Foot Cube Made From Rabbit

Top Square With Slice and Hole Cut Out of Center

Top Square With Slice and Hole Cut Out of Center

Finished Mole Proof Cage For Holly Bush Roots

Finished Mole Proof Cage For Holly Bush

Okay, after I had the small cage for the made, I went into the and dug a hole where the Holly bush was. I dug deep enough to fit the cage into it. After that, I put the bottom of the cage in, then the sides. I filled the cage halfway up with dirt and then placed the Holly bush into the cage. Lastly, I coved the with and put the top piece of mesh on top and covered that with dirt too. I watered in and now have a mole proof Holly bush. If the deer don’t come by to eat it, I think I’m in business.

Hole Dug For Holly Bush

Hole Dug For Holly Bush


Bottom Piece of Cage Put into Hole

Bottom Piece of Cage Put into Hole

Sides of Cage Put into Hole

Sides of Cage Put into Hole

Hole Half Way Filled With Dirt

Hole Half Way Filled With Dirt

Holly Bush Put into Mole Proof Cage

Holly Bush Put into Mole Proof Cage

Top of Cage Put On Top of Finished Soil

Top of Cage Put On Top of Finished

Top of Cage Covered With Remaining Soil

Top of Cage Covered With Remaining

Holly Bush Watered In

Holly Bush Watered In

As you can see, the moles most likely aren’t getting through that, although I wouldn’t put anything past them. They are slippery creatures. At least this will let me sleep at night. I plan on finding an even better system than this, and when I do, I’ll be sure to write about it. At least with this system, there is a very tough barrier that moles can’t get past, while letting the Holly bush continue to grow outward through the screening.

If you have any mole stories or suggestions, please leave a comment.

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Hardwood Pellets vs. Softwood Wood Pellets

Okay folks, tis the to order up your wood pellets. It’s August and things are slow and as cheap as they are going to get at the pellet supplier. I just had the delivery guy in the driveway a few minutes ago and they are working half days and half weeks. Strike while the iron is hot.

I ordered two pallets of softwood pellets. I was told that softwood is cleaner and hotter burning than hardwood pellets. Each pallet has 65 bags on it as opposed to the typical one ton pallets. I don’t know why this is, but I only ordered two of these pallets as opposed to the typical three.

Also, I want to let you know that you can negotiate down the delivery fee. I told the seller that I can come pick these things up myself unless there was a really cheap shipping fee. It would have cost $60, but I got it for $20, so don’t be shy. Everybody needs the business and we need to keep our money.

Okay, back to the topic of this post…which is better, hardwood or softwood pellets? Here are a few quotes I picked up from this website:

“Most people jump to the conclusion that “we have always burned hardwood in our woodstove so hardwood must be better” – Not true with pellets.”

“A softwood pellet will produce 10-20% more BTU’s per pound than hardwood depending on the species and create a lighter ash.”

“White Oak 8810 BTU/pound — Yellow Pine 9610 BTU/pound”

I scanned a few more websites and what I have shown above seems to be the consensus. I always wondered why I had so much ash. I think it’s because I always burned hardwood pellets. Hmmm.

One thing everyone really stressed was that whichever type of pellet you choose, they must be premium. They can’t have cheap byproducts in the pellets.

Now, I don’t believe everything I hear or read. I am a suspicious person by nature. I am going to give these pellets a go this and will surely report back my findings.

Two Pallets of Softwood Wood Pellets

Two Pallets of Softwood Wood Pellets

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Screening Compost and Spreading On Lawn

Earlier this year, I put together a few quick piles. I made the out of simple rabbit (or whatever it’s called). You can see them in the photos below.

Ever since I put these things up, we have been collecting anything that will break down. Basically, that was just our food scraps. We keep a bucket in the garage that we constantly fill up and empty. You’d really be surprised how much waste we have in food scraps. Well, we might have more than many because we eat so many veggies.

Either way, we have been reducing our garbage and increasing our potential .

Now, just like you, I have seen many videos and have read many articles on the proper way to . Many of these things are made up by people who think they are doing something just marvelous. I’m here to tell you that if you want to , all you need to do is to create a designated area and start dumping things in it. Every so often, go outside and turn the pile. Before you know it, you’ll have nice dark . Don’t worry about all the greens and browns…blah, blah, blah. Just make a pile and keep dumping stuff on top of it. Not rocket science.

I have been doing this for a few years now and every year, I get really nice finished (free). I use it for all sorts of stuff, mainly to mix the with when I am planting something, to throw on the lawn and I even use it as potting . It works great.

Here are some photos of the quick and dirty piles I have in the woods. They are made up of mostly yards clipping, leaves and food waste. Today’s chore was to screen one of the smaller piles into a wheelbarrow and spread it across a section of the lawn.

Three Compost Piles With Screening as Containers

Three Piles With Screening as

Wheelbarrow With Compost Screener on Top of it

Wheelbarrow With Screener on Top of it

Screened Compost

Screened

Finished Compost

Finished

Holding Nice Black Compost in Hand

Holding Nice Black in Hand

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