Your post made me wonder if a non-profit could take foreign currency. I figure many humble dollar readers have currency they will never use in their sock drawers. Here's where you can send it: Donate your foreign currency on an American Airlines flight or at an Admirals Club or Flagship Lounge. You can also mail in your foreign currency to:Change for GoodUNICEF USA125 Maiden LaneNew York, NY 10038
Natalie Brunell has an excellent youtube channel that has tutorials and she has a guest join her every few days to discuss bitcoin. https://www.youtube.com/@nataliebrunell
That's impossible. Here in South Carolina it is illegal for anyone but a dealer to sell you a new car. Why? Because dealers "protect" consumers. Really, that's their rational. We build Scout vehicles here but since there aren't any Scout dealerships the people who make the cars can not buy them. Crazy.
I purchased a 80v, 21 inch mower from amazon. I have a bit over 1/4 acre to mow. I can almost mow my property 3 times before the battery needs to be recharged. I now recharge after mowing the total property twice even though the battery registered as being half full. I was reluctant to purchase the battery mower but I've been very happy with it. Plenty of power and I can do the whole lawn without having to gas it up. The bigger advantage is that it's much lighter than the gas mower so mowing is much less taxing too.
The three horsemen of the job apocalypse are AI, general automation and robotics. Where we will see their destructive power is after the next global financial crisis and the deflation of the "everything" bubble. Instead of jobs rebounding as they have in the past, many jobs will never return as companies find ways of doing a lot more with a lot less manpower. Sounds bad, but it doesn't have to be. Huge productivity advances are beneficial to society and can make all lives better. The question our future society must answer is, will the advances in living quality be shared or will we continue down the road of haves and have nots.
You and I worked for the same direct marketing company! I had a friend that needed to recruit one more consultant in order to win her car, so I became a beauty consultant. I did it for almost two years and actually really enjoyed it. I taught at a college so finding customers was pretty easy. More than half my sales came from men buying gifts for their significant others. I was able to sell just enough product to stay active. I also never had to think to hard when in a group ice breaker where you need to tell the group something interesting about yourself. One thing I learned that I passed on to others who were considering direct marketing...it is a hard way to make a living. You really don't make enough money off the product that you sell to justify the time it takes to make that sale. You need to recruit others and have them recruit others so you can earn a decent pay check.
I highly recommend educating yourself about I-bonds at https://tipswatch.com/ . They have many articles about I-Bonds, I-Bond strategies and I-bond ETFs. I purchase my I-Bonds at Treasury Direct. You might be interested in TIPS in your retirement account. That website has many articles on TIP ladders. Of course, Humble Dollar has many articles also: https://humbledollar.com/?s=TIPS+ladder
My second career was teaching computer science at a local college. In 2010 my students asked me to explain bitcoin which had just run up to $1000. I explained blockchain but I didn't know how to actually purchase a bitcoin. To just experience it, I invested $100 (1/10th of a bitcoin). Back then, to purchase that piece I had to contact a wallet company and tell them I wanted to purchase $100. They gave me an account number at Bank of America where I needed to deposit my money. I then had to send them a picture of the receipt. Sounds like a scam but I was successful and relayed my experience to my students. I then forgot all about it. Years later when the price started to rise I decided to log into the account to ensure my 1/10th was still there and found out I lost the file with my password. Bitcoin kept rising and when it got to $60,000 I searched every folder and backup drive I had and finally found the password. I still have that 1/10th and I'm waiting to see if it goes to $500,000 or even a million. If it does, that would make a great story.
I appreciate your post. The responses show how passionate people are about their investment philosophies. I feel the same way you do. Once the fed raised rates, I started moving most of our IRA money into 5 and 10 year treasuries and TIPS. I have also been buying the maximum amount of I-Bonds for both my wife and I for the last few years and will continue to do so. Our taxable account money is in money market accounts and short term treasuries that automatically reinvest at maturity (every two months). I keep 15% of my IRA money in index funds just to have some exposure to stocks. Yes, we are very conservative but we are very happy with that mix of investments. That's really the most important thing. We are also very fortunate that we both have state pensions (no COLA), I have a military pension and my wife is drawing SS both of which have COLAs. I will be drawing SS in three years when I turn 70. Again, thank you for the post that represents the readers with low risk tolerance.
Comments
Your post made me wonder if a non-profit could take foreign currency. I figure many humble dollar readers have currency they will never use in their sock drawers. Here's where you can send it: Donate your foreign currency on an American Airlines flight or at an Admirals Club or Flagship Lounge. You can also mail in your foreign currency to: Change for Good UNICEF USA 125 Maiden Lane New York, NY 10038
Post: Memories With a Cold Spanish Beer
Link to comment from September 29, 2025
Natalie Brunell has an excellent youtube channel that has tutorials and she has a guest join her every few days to discuss bitcoin. https://www.youtube.com/@nataliebrunell
Post: Why Bitcoin?
Link to comment from September 27, 2025
You are correct that you can not hold gold in your hand but I believe that there is real value in bitcoin and it will be more valuable as time passes.
Post: Why Bitcoin?
Link to comment from September 27, 2025
That's impossible. Here in South Carolina it is illegal for anyone but a dealer to sell you a new car. Why? Because dealers "protect" consumers. Really, that's their rational. We build Scout vehicles here but since there aren't any Scout dealerships the people who make the cars can not buy them. Crazy.
Post: How do I scam thee? Let me count the ways
Link to comment from July 26, 2025
I purchased a 80v, 21 inch mower from amazon. I have a bit over 1/4 acre to mow. I can almost mow my property 3 times before the battery needs to be recharged. I now recharge after mowing the total property twice even though the battery registered as being half full. I was reluctant to purchase the battery mower but I've been very happy with it. Plenty of power and I can do the whole lawn without having to gas it up. The bigger advantage is that it's much lighter than the gas mower so mowing is much less taxing too.
Post: Pedaling Away From Tightness
Link to comment from July 25, 2025
The three horsemen of the job apocalypse are AI, general automation and robotics. Where we will see their destructive power is after the next global financial crisis and the deflation of the "everything" bubble. Instead of jobs rebounding as they have in the past, many jobs will never return as companies find ways of doing a lot more with a lot less manpower. Sounds bad, but it doesn't have to be. Huge productivity advances are beneficial to society and can make all lives better. The question our future society must answer is, will the advances in living quality be shared or will we continue down the road of haves and have nots.
Post: The Jevons Paradox
Link to comment from June 29, 2025
You and I worked for the same direct marketing company! I had a friend that needed to recruit one more consultant in order to win her car, so I became a beauty consultant. I did it for almost two years and actually really enjoyed it. I taught at a college so finding customers was pretty easy. More than half my sales came from men buying gifts for their significant others. I was able to sell just enough product to stay active. I also never had to think to hard when in a group ice breaker where you need to tell the group something interesting about yourself. One thing I learned that I passed on to others who were considering direct marketing...it is a hard way to make a living. You really don't make enough money off the product that you sell to justify the time it takes to make that sale. You need to recruit others and have them recruit others so you can earn a decent pay check.
Post: Direct Dealings
Link to comment from April 7, 2025
I highly recommend educating yourself about I-bonds at https://tipswatch.com/ . They have many articles about I-Bonds, I-Bond strategies and I-bond ETFs. I purchase my I-Bonds at Treasury Direct. You might be interested in TIPS in your retirement account. That website has many articles on TIP ladders. Of course, Humble Dollar has many articles also: https://humbledollar.com/?s=TIPS+ladder
Post: iShares iBonds ETFs vs. individual bond ladders vs. bond ETFs
Link to comment from February 22, 2025
My second career was teaching computer science at a local college. In 2010 my students asked me to explain bitcoin which had just run up to $1000. I explained blockchain but I didn't know how to actually purchase a bitcoin. To just experience it, I invested $100 (1/10th of a bitcoin). Back then, to purchase that piece I had to contact a wallet company and tell them I wanted to purchase $100. They gave me an account number at Bank of America where I needed to deposit my money. I then had to send them a picture of the receipt. Sounds like a scam but I was successful and relayed my experience to my students. I then forgot all about it. Years later when the price started to rise I decided to log into the account to ensure my 1/10th was still there and found out I lost the file with my password. Bitcoin kept rising and when it got to $60,000 I searched every folder and backup drive I had and finally found the password. I still have that 1/10th and I'm waiting to see if it goes to $500,000 or even a million. If it does, that would make a great story.
Post: Any Crypto Investors?
Link to comment from February 21, 2025
I appreciate your post. The responses show how passionate people are about their investment philosophies. I feel the same way you do. Once the fed raised rates, I started moving most of our IRA money into 5 and 10 year treasuries and TIPS. I have also been buying the maximum amount of I-Bonds for both my wife and I for the last few years and will continue to do so. Our taxable account money is in money market accounts and short term treasuries that automatically reinvest at maturity (every two months). I keep 15% of my IRA money in index funds just to have some exposure to stocks. Yes, we are very conservative but we are very happy with that mix of investments. That's really the most important thing. We are also very fortunate that we both have state pensions (no COLA), I have a military pension and my wife is drawing SS both of which have COLAs. I will be drawing SS in three years when I turn 70. Again, thank you for the post that represents the readers with low risk tolerance.
Post: Waiting It Out
Link to comment from May 26, 2024