Schwab and SCHD, Amongst Other Things

     So you probably already know that ETFs, or Exchange Traded Funds, are groups of investments that are sold on the stock market like individual stocks. But they are managed funds, usually with low costs, and are particularly helpful for adding diversity to investments. 

     SCHD is one of my two favorite ETFs. It has holdings in a large number of diverse companies that are reasonably well protected from recession. It has extremely low expenses at 0.060%. And if you were to invest $100k you would get back over $3k a year in dividends. That's not bad. 

     Did I mention that having a gamut of stocks that pay dividends is my personal investment strategy?

How to Deal with Bare Gray Sand

Also, why people say they can't grow anything in Florida.

Florida is known for its beautiful beaches and sunny weather, but its soil is sandy and often nutrient-poor. This can make it difficult to grow certain plants in Florida, but there are a few things that you can do to improve the soil quality of your garden.

One of the best things that you can do is to add organic matter to the soil. Organic matter helps to improve the drainage of the soil and makes it more fertile. You can add organic matter to the soil by adding compost, manure, or leaf litter. If you want to really nerd this up, try growing some duckweed or water hyacinth in small ponds and turning it out onto the sand as a mulch. You can get some from my Etsy shop here.

Another way to improve the soil quality of your garden is to add mulch. Mulch holds moisture at the soil level where plants use it and it keeps the soil cool, preventing evaporation. Also, mulch prevents soil hardening. Some counties offer free mulch created from yard waste, this is a superior source of mulch because it comes from shredded tree branches which rarely have chemicals on them.

The lasagna method of gardening, which is layering organic and inorganic materials, also advocates the use of mulch for these reasons. I find the lasagna method particularly helpful for container gardening.

If you have a sandy soil, it is important to water your plants regularly, especially in the dry springtime. Sandy soil dries out quickly, so you will need to water your plants more often than you would if you had a clay soil. You can also use a drip irrigation system to help water your plants more efficiently.

Doing these things will help you grow a wide variety of plants in your garden.

In addition to the tips above, here are some other things you can do to improve the soil quality of your Florida garden:

Test your soil. Before you start making any changes to your soil, it's important to test it to see what nutrients it needs. You can do this by sending a soil sample to a lab or by using a home soil test kit. But before you spend good money on a soil test, I ca already tell you that almost all Florida soil is deficient in calcium and magnesium in addition to all the major nutrients such as NPK.

Add mulch. Mulch helps to improve the soil quality by adding organic matter, suppressing weeds, and retaining moisture. You can use any type of mulch, but wood chips, straw, and leaves are all good options.

Plant native plants. Native plants are adapted to Florida's climate and soil conditions, so they will be less likely to suffer from nutrient deficiencies or other problems.

Avoid overwatering. Overwatering can leach nutrients from the soil and make it difficult for plants to grow. Water your plants deeply and infrequently, and allow the soil to dry out between waterings.

Fertilize regularly. Fertilizing your plants will help to replenish the nutrients that they need to grow healthy and strong. Use a balanced fertilizer that is specifically designed for Florida plants. Or use rabbit or duck manure.

By following these tips, you can improve the soil quality of your Florida garden and make it a more productive and beautiful place.

The Case Against ETFs, or Why ETFs Are Stupid

     Perhaps you may or may not have ever thought about investing in Exchange Traded Funds, which are groups of investments managed by professional investors who earn money on the investments. These funds are rarely part of the offerings of 401ks, perhaps because of their inherent expenses. But they are certainly interesting groups of investments and can help a person diversify or target what they have invested in, for example, zeroing in on a section of the economy like real estate or energy, or choosing a specific goal for the investments, such as dividend investing.

     With the internet becoming what it is, and with apps available readily for pickup investing on the fly, and investing/economic news being readily available, it may seem silly to pay professional investors to manage investments for you. For example, Schwab and JP Morgan both have free brokerage accounts that link to your bank account that will execute trades for you for no fees. 

     The case for ETF buying is that, well, it's easy. If you find an ETF that meets your needs, it's pretty easy to buy a number of shares and then forget about it. Say you want to buy some stocks in renewable energy, but don't feel like doing the research on your own? Just buy some shares in a renewable energy ETF and call yourself diversified. They can also do some interesting trading things, like using options to grow the investments.  

     The case against buying ETFs is a big one. It's fees. All the ETFs that I have been learning about have fees, the best ones are less than 0.40 percent, but it still could end up being a lot of money every year. The more you have invested the more you pay in fees.

     How can you avoid fees and still make great diversified investments? That's a good question. The best way that I can see is to see what the ETFs are holding, do research, and buy the individual stocks in the ETFs that you prefer.

Luna Moth, Actias luna

     Native to the United States, the larval form of Luna moths eats leaves from broad leafed trees such as persimmon, walnut, hickory, and birch.

Permaculture in Florida: What Should I Do With All These Sticks?

      Have you ever felt like winter has left your place a mess and you don't know what to do with all of the sticks and leaves? 

     The permaculture thing to do would probably be to let the sticks and leaves stay where they fell and fertilize the soil. While I would agree that this is a good idea, it can be a  little bit unsightly in the front yard gardens. Then there is the problem of palm trees and them leaving their fallen branches on top of other plants. 

     These extra branches and leaves do have a purpose in the permaculture garden. Believe it or not, fallen leaves can be fed to livestock. My rabbits eat sycamore leaves and palm leaves, but neither are their favorite. Any amount they can mulch for me is appreciated, and the uneaten leaves are put onto the garden pathways as a mulch layer. Sometimes I also put fallen leaves and rabbit manure around new plantings.

     Large branches and sticks are a whole nother problem. They take years to break down, even here in the South. So I have found a solution, and that is to cut all branches to the desired widths of the paths, and then to stack similar width sticks horizontally to create a path. This is imperfect at times, because the branches often roll, and they also can make a person trip. But I am confident that digging in the logs a little bit will prevent this problem.