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Aired 3 months ago 3:08
Moving a blue spruce
Hi, this is Mark news from plant talk radio, thanks for subscribing and listening to our podcast. Your gardening questions from plan, talk radio. If you have a gardening question, you'd like our host Fred Howard to answer, send him an Email the with recipes, Fred, at plant, talk radio dot com. Now today's question we have a blue spruce growing. Dr it's about two feet tall. Is it okay to move it now? Or should I wait until next spring either. At two foot is just about a prime time. Now in that you have likely not root pruned that plant or or young plant take a sufficient amount of route with it, whether you do it in this fall or next spring, I'm inclined on spruce to say, go ahead and get it done now. If it was pine just for general information, I would wait into spring and move it just before gross starts that there's just a difference in in tolerance for handling, etcetera. But as a spruce goes, I would say anytime now through into the thanksgiving toward Christmas time because the plant is essentially done making food for this year, so it would. It should move without too much problem and or early March through into the very early part of April would be another good time in the spring. So if schedules get you down this fall, you've got spring to work with when there isn't a football game to be watched and. Any special care once you have that that blue spruce transplanted will. Yes. And, and let's just say that. Theoretically, you could go out and dig it and move it now today, if you did, you'd need to water today you plant it next day and then wait a week and water heavily again, so that you've watered three times in that first week now then. Assuming full is anywhere near normal. We will have rains. We will have cooling all of which slows down growth, but the soil is still warm and we're after route growth on that transplant b, b to spruce as we're speaking of or other plants. So you need to water not to the point of drowning by any means. But I would say that every ten to fourteen days, in this case, a bucket of water sprinkling canned full of water would be sufficient of clear into the period past thanksgiving because the soil, as far as the plant is concerned is still warm. It's probably fifty five or sixty degrees at this point. Good for growth, the two zero good for transplant. Just problem. Hey, thanks again for listening to our podcast, be sure to subscribe to our other podcasts as well. The plan to the week podcast and the plan. Talk radio podcast all on itunes or your favorite podcast player. If you'd like to sponsor a daily podcast contact us at Fred at plant, talk radio dot com to find out more about Fred Howard and plant talk radio, visit our website plan, talk radio dot com. Circle to seventy media dot com.
Your Gardening Questions
Aired 3 d ago 4:44
Competing for Biz Travelers, United Deploys Dreamliner
Business wars daily is brought to you by Pitney Bowes, and send pro online shipping can be complex with the uncertainty over costs and deciding which carrier to use plus tracking your packages things can get confusing. Stay tuned to the end of the show to find out how Pitney Bowes and send pro online can save you time and money and to get a special offer just for listeners of the show. From wondering, I'm David Brown, and this business daily on this Thursday, January seventeenth not know about you. But usually when I'm planning travel for my family, I'm searching for the lowest fares and hoping I don't have to leave at five o'clock in the morning to get them. But there's a class of travelers for whom low fares are less important than luxuries. We're talking about corporate employees who travel a lot they tend to want privacy. High quality wine and spirits, a better than average chance at sleeping, and she she a meal, and they're willing to pay for it. Well, the country's biggest airlines want these high end travelers and they're going to great lengths to fight over them, particularly when it comes to long transcontinental flights witness United Airlines latest move. It's deployed the first Boeing Dreamliner to be used for nonstop coast to coast flights in this country. The Dreamliner officially the seventy seven ten is Boeing's largest plane, initially the Dreamliner will. Fly a handful of round trips from Los Angeles to Newark each week. The Dreamliner is huge it seats three hundred eighteen passengers including forty four in first class those first class passengers get Polaris seats, which reclined flat into six foot long beds. Well heeled customers are also plied with amenities ranging from noise cancelling headphones two meals made by celebrity chefs, those cushy extras aren't new to the airline business considered Elta which last year began offering its delta one cabins on some transcontinental flights first class. Amenities include beds that lie flat fancy toiletry kits and custom booked meals. Airlines are upping their luxury offerings for solid business reasons. Competition is ratcheted up a lot since the year two thousand since then market share held by the legacy airlines United delta and American has fallen by almost twenty percent. That means close to half of us now routinely fly on smaller airlines, like JetBlue frontier spirit, and according to the. Trey group airlines for America, South west has grown into the country's biggest domestic carrier bus. The fight not only for more customers, but for the most lucrative ones. So if your company will spring for a nonstop coast to coast flight you too may be able to enjoy more and more luxury at least for a few peaceful hours in the air. Brom wondering this is business wars daily check out our series, south west versus American on business southwest was the first to stare business travelers with what else reboost as always thanks for this. I'm David Brown back with you tomorrow. Shipping can be complex with uncertainty over costs and deciding which carrier to use plus tracking your packages things can get confusing. Now, there's a better way to ship central pro online by Pitney Bowes with simple online. You can easily compare USPS and other shipping options in an all in one online tool, you can print shipping, labels and stamps on your own printer and track all of your shipments as well. Plus when the US postal rates increase on January twenty seventh you'll still be able to access savings of up to forty percents off USPS priority, mail shipping and five cents off. Every letter you send just by using central online. Simple online is only fourteen dollars ninety nine a month, and you can get a free thirty day trial. When you visit PBA dot com slash WD. You'll also receive a free ten pound scale to help you weigh your packages and accurately calculate the cost of shipping. That's PB dot com slash be. W daily and big thanks to Pitney Bowes and send pro online for sponsoring this show.
Business Wars Daily
Aired 3 months ago 6:03
682: How A Stock Market Turns Investors Into Gamblers by Vitaliy Katsenelson of Contrarian Edge
This is optimal finance, daily episode, six eighty two. How a stock market turns investors into gamblers by Vitale Katzen Nelson of contrarian edge dot com. And I'm Dan, your host. I am here every weekday reading to you from some of the best personal finance blogs on the planet. And today I'm going to keep this intro real short for us to. Let's get right to our post. As we start optimizing your life. How a stock market turns investors into gamblers by Vitale Ketson Elson of contrarian edge dot com. Don't let this wave of stock market volatility go to your head. The value of the companies in your portfolio doesn't change by positive or negative. Five percent three times a day, get the value, right? And the price will follow. For example, my firm recently met with a prospective client a physicist who has millions of dollars by owning apartment buildings in the US and Canada. He confessed that he was never able to make much money in stocks as we talked to him, we observe why the Dow was having one of those five hundred points up and five hundred points down days. He was visibly happier when the Dow was going up and sadder as it was going down, people who are otherwise successful as businessmen and as investors and private business or real estate change their behavior completely. When they entered the stock market. I have a friend whose father has made hundreds of millions of dollars by building several companies from scratch in Mexico, an absolutely brilliant businessman and the worst stock investor ever he'd Fred about every move. In his stock portfolio. As we talked to the physicist, we used this analogy, what we or any rational investor do is not much different from buying an apartment building. I, you look at the quality how well the buildings built the location and demographic trends in the area and so on. Then you start valuing this building you formulate your best case and worst case scenarios for rent occupancy property taxes and other important variables price square foot price per bedroom price to worst case rent in the stock market. These shortcuts are price to earnings price to cash, flows price to book value. If the price of an apartment building is at or below your worst case scenario you buy the building, if not you move on this is a rational business, like way of valuing an apartment building or any asset, including a publicly traded one. Yet there are two important differences between an apartment building or a private business and publicly traded company. The latter offers instant liquidity and. Oh, transaction costs. These differences should be huge advantages to sell an apartment building may take months or years. Transaction costs are enormous, three percent to seven percent of the buildings value to buy and to sell in and out costs combined could be as high as six to fourteen percent. The stock market should be a paradise for an apartment investor or businessmen, instead of having to deal with tenants and local authorities, you buy stocks or even an apartment REIT real estate investment, trust that owns hundreds of apartment buildings, arguably reducing the risk of owning a single building. The REIT is run by professional management. In this case, the definition of professional is that they get paid. You can let them deal with tenants. Of course, you have to analyze the REIT's management to make sure that they are competent and properly incentivized. But this analysis is not much different from what a business person would do when hiring a manager of an apartment building. So you can do the same analysis you performed on an individual apartment building on this REIT. E- except and here is where we enter into the domain of public equities. And the rational person is replaced by an irrational one stocks are priced every second of the trading day thousands of times a day someone tells you this company's worth this much. Actually, this is not what they tell you. This is what you hear. What they tell you is I would buy or sell this company for this much. At this moment. There are a million reasons why someone might want to buy or sell a stock on any given day. A lot of them have nothing to do with the company's value. So yes, there is a difference between value and price. You only know the difference if you've spent the time to value the company. If your apartment building was a public stock, it's price would fluctuate daily, and most of the fluctuation would just be noise. The price would be moving based on local weather, employment highway traffic, a mayoral race. The list is long. A lot of these factors will be transient and random in nature. In a word noise if a building similar to yours is put on the market at a ridiculously. Oh price by forced seller. You are not going to be upset that you're building is now probably worthless. You'll see it as an opportunity to buy another building on the cheap that is rational business like behavior, the liquidity of the stock market, and it's negligible. Transaction costs are great features, but probably do most people more harm than good. They can turn even the most otherwise astute private investors into degenerate gamblers on a daily basis. The difference between a gambler and degenerate gambler the gambler plays with as much money as he can afford to lose the degenerate. Gambler puts everything on the line. When you gamble in the stock market with all of your life savings, you are a degenerate gambler. That's why it's important to focus on what businesses are worth, not how the market prices them. You just listened to the post titled how a stock market turns investors into gamblers by Batalli cats and Elson of contrarian edge dot com. And a quick reminder that we give away books to random people on our mailing list. So if you want to be part of that, please come by old podcast dot com and join our weekly newsletter. We also give away spreadsheet tools to help you optimize your financial life. If you join, it is totally free. Again, you can sign up at AOL de podcast dot com hopefully will see their and that's a wrap for today. I will see you right back here tomorrow where your optimal life awaits.
Optimal Finance Daily