Tuesday, March 12, 2024

Springtime advances

Aggravation

I took out a loan from my 401-k to finance a small business opportunity. I took out a sixty-month loan.

A small windfall came my way so I paid the next year's worth of payments in one fell swoop.

Then I got a message from Fidelity that I was in arrears on my payment.

I got on their chat line, and even though I used twelve coupons and the payment was registered January 5, 2024 and each coupon was individually written out for the month it was to be applied I was informed that while I could pay more, I could not pay ahead. That I had to make the minimum payment EVERY month (by the calendar regardless.

Pisses me off. I am paying the funds back to myself. I am 9 months ahead in my payments and Fidelity tells me that I will be in default and, presumably, my credit rating will shit-the-bed.

Pay attention to when events turn out better-than-expected

It is easy to take-notice when reality falls short of expectation. That is when we go looking for problems.

It is harder to take-notice when return on investment exceeds expectation and to look for root causes.

For example: Our Regia juglans (English/Carpathian walnuts) have never really produced very many nuts. I attributed it to various twig borers that caused the ends of the twigs to die in mid-summer. The nuts grow on the ends of the twigs and if the twig dies...no nuts. I could spray but choose not to.

Last summer, we had a bumper crop of Carpathian walnuts. Like five times more than our previous best year.

It may be that some parasitoid wasp that attacks the borers finally found our property. If that is the case, then I simply need to not kill any nectar plants that enable those parasitoid wasps. Based on where the trees are, those plants could be spearmint, horseradish, clover or raspberries.

Sidenote: research suggests that parasitoid wasps live three times longer and presumably lay eggs on three times as many pests when they have ample nectar vs no-nectar. There is a compound-interest effect. More eggs laid means a higher population of parasitoid wasps next year and so on, and so forth.

Another change was that I raised some replacement pullets for Sprite last year. I put the temporary pen in the shade of the walnuts. It could be that the additional fertilizer of the chicken poop was what the walnuts lacked.

Or maybe it was some other cause that I am not aware of.

Regardless, it is not hard to NOT spray the spearmint and raspberries. It is pretty easy to add a little (100lb N/acre actual) fertilizer beneath the walnut trees.

Spring advances

Our violets are blooming like crazy.

I saw daffodils blooming on M-50 on the north side of the road (southern exposure).

Picking at the zit (Castes)

Frankly, I am not trying to sell the idea of "castes" even if it looks like I am.

When a large satellite is about to drop out of orbit we are often given a trace of where the satellite is likely to make land-fall. There is often a large amount of uncertainty as the yarn-ball path has a delta to either side of the nominal path.

Presumably, some tiny amount of propulsion is saved to increase the likelihood of the satellite ending up in an ocean rather than Bejing, Manila, Mecca or Los Angeles.

I see "Castes" as a relatively high-likelihood end-state as we go into high-entropy re-entry. Admittedly, like a satellite, there is a very long trace of "high-likelihood" impact sites.

One tiny bit of anecdotal evidence. We seem to be self-organizing in that direction. Consider the warrior-caste (also known as Scotch-Irish) whose caste was disrespected by the progressive-political caste. What happened? Military ecruitment fell into the septic tank and remains there.

I try to add value with my posts. If "castes" are where the devolution of our low-entropy, high-trust society impacts then how can it be managed to minimize the collateral damages?

Weight-lifting notes

Squats dropped from the program.

Dead-lifts retained. 10 repetitions of 135lb with no straps for warm-up.

Four sets of 6 X 225lb for the main event. Approximately five minutes recovery period between sets. Calf-raises during recovery to use the time productively.

135lb X 10 shrugs for cool-down.

20 comments:

  1. Had the exact same thing happen when I was trying to pay off a student loan early (yes some of us paid off our college debt). Same deal, sent the coupons and everything. Was told I was in arrears.

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    1. I would seek some legal advice on navigating this one Joe, if you're sure it's not buried in the fine print. It may be one of those cases where a lawyer can escalate it as an incipient headache to the attention of the SOB that is empowered to make a decision, to avoid same.

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  2. The only delta I see from your walmut husbandry is the chickens. If you didn't make any changes impacting wasp populations, I think its reaching. The Nitrogen may be a threshold nutrient for nut formation (below a certain amount = no fruit set).

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  3. Ah yes, the BS of trying to pay off debt early...

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  4. I do not play a financial advisor on television, but worth going back and reviewing the specifics of the loan program - to the point, it may be in the overall statement or in the fine print. Similar to some home loans, there may be something along the lines of a "pre-payment penalty or completion of servicing of the loan. It may also be - given it is a 401K loan - there are strict government requirements around it.

    Any particular reason for dropping the squats?

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    1. I also am wondering why the squats are being dropped from routine. Has it been causing unforeseen issues on body, or is it simply because a better exercise been found ?

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    2. Ah - thank you. I had no idea the connection between hemorrhoids and squats. Definitely worth reading about more information.

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  5. Castes don't work well with us uppity colonials. We're self selected that way. Figure that the vast majority of our ancestors left situations where they could not advance or thrive, and came to America.

    Our VIPs are doing their best to make this a caste system, locking themselves and their progeny in as rulers. Disrespecting the military was part of that, making sure the proles know their place. The open border is another part, replacing us with people who they believe are more apt to serve.

    They may succeed, but I don't think so. They think that they can take third world immigrants and make US soldiers out of them, then use those soldiers to rule. It's not going to work. Americans have been arming at an unprecedented rate, and we were already the most heavily armed nation on earth by a huge margin.

    We may balkanize, we may descend into civil war, and for sure what comes out the other side isn't going to be anything like today. It doesn't have to be that way, but if things go on...

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    1. I now see ERJ's mention of castes via a vie the U.S. as a methodology to derive the answer to where we may land.

      Specifically, tweel, Joe is wanting to ascertain some reliability per your last paragraph.

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  6. Instead of drawing against the 401k for a loan, could the 401k have been used as collateral to obtain a loan from a "more agreeable" lender?

    Loan default would be an issue; I do not know if a lender is allowed to seize a 401k for a default, and unless the borrower is >59.5 there would be penalties which I assume, would become the burden of the borrower in addition to the original loan amount and interest.

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    1. Generally, retirement accounts are out of the reach of lenders.

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  7. I would have thought that Fidelity would have returned the amount with the future coupons to you since they do not accept pre-payments.
    If they have not returned them, I would argue that they did, in fact, accept those pre-payments.
    sam

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    1. I like this guy....

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    2. Agree - Fidelity is being an ass. $$$ in hand is ALWAYS better than future payments incoming. Why is the IRS agreeable to paying back refunds ? Because government benefits from that extra $$$ they are borrowing now, then returning the overpayment sent by each of us.

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    3. OOOH that's GREAT!!

      Get your money back so you can put it into some more profitable place.

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  8. Don't know them fancy walnuts, but pecans produce next year's crop on this year's growth.
    Pecan twig borers spend the winter in the branch on the forest floor, after they drop the growth.
    Could the chickens have eaten them?
    Was it finally a mast year?
    Or as you say pest- predator balance.

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  9. https://youtu.be/4TIkQW6JNoU

    https://www.youtube.com/watch?v=fisJkbJOm8k


    Maybe try boron.

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  10. We will not reorganize under castes, Joe. Americans WILL NOT stand for that regardless of political affiliation. You’ve got this one precisely backwards: what we have now is a “proto-caste” system. We see it when we see the elite families vying for political control: the Bush’s, the Turdo’s, the Clinton’s, the Kenedy’s. The problem is intuitively obvious too: our “elite” caste is infested with morons. Their kingdoms and countries are beginning to fail. Too often these “leaders” attack their own people and have nothing but contempt for them. It’s one of the reasons they destroyed the merit system and made it illegal to discriminate against stupidity and incompetence. Three generations of that have produced a situation where something is going to give and fail catastrophically.

    We are going to survive the re-entry into the real world by “tribing up.” It is already beginning. Jewish nepotism is nothing new. The Indians are awful for it, and the blacks are even worse. At some point Whitey will have to do the same as will the orientals. Maybe some productive alliances will come out of the looming race wars but they will be based on mutual respect for real attributes like work ethics, smarts, and ability. You can’t do anything for the people at the bottom until you do something about the people at the top. Our current politicos and their oligarchs are on very thin ice.

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