Favorite team:South Florida 
Location:Apollo Beach, FL
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Number of Posts:9225
Registered on:9/23/2005
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Market volatility due to people taking into consideration the recent job losses, AI pullout continues, economists expecting slow retail holiday spending and the likelihood that the Fed may not cut rates in December.
We hit 38 here in Tampa. Checked the grove today. The recent flushes on the mangoes have held on. I do suspect that we’ll be seeing panicles a full month early this year. If Mother Nature is kind; we’ll have many mangoes in June. I’m watching my Dwarf Hawaiiian carefully. It’s the canary in the coal mine at my place; if it throws out panicles in the next two weeks, it’s game on for all the others in December.
If you have time and are looking for a memorable meal; be sure to hit up Fogon Asado…
Is this coming before or after my $10,000 DOGE check? LOL
quote:

That 150k number isn’t jobs lost — it’s planned layoffs. Net employment fell by maybe 9k. Always check what the stat actually measures before declaring a collapse.


My point remains the same. Employers boosting paper profits by layoffs as a means to disguise no actual growth combined with less people earning money which they can spend. What kind of NewsMax hot take is this shite? Mass layoffs be it planned or otherwise are harmful if your countries GDP is effectively entirely dependent on consumer spending as ours is?
You can’t be serious…

We just lost 150,000 jobs in October. The largest single month decrease in 20+ years. Auto loan and credit card delinquencies aren’t getting nearly enough media attention. Builders in my area can’t offload new homes even when buying the rates down. So the FOMC cutting rates won’t do shite. And forget selling your existing home when competing against builders doing that. I know more well educated and experienced people without a job than at any point in my adult life. And I went through the dot.com crash and global financial crisis. There’s people driving Porsche’s and Lexus’s in my Aldi parking lot lately.

Given that an estimated 70% of US GDP is driven by consumer spending; how exactly do we arrive at a boom when the majority of consumers have no money? The companies reporting gains have pulled their last levers; gutting payrolls to pad profits while banking on AI tech that currently doesn’t exist.

I truly hope you are right; but, my instinct is 26’ is setting up to be in the negative.
quote:

The S&P is up 17%. How is every thing struggling?


Many of those beats are almost entirely the result of layoffs/payroll reduction. Not actual growth.

The $USD is down 10-11%. Most say that by time you consider that devaluation the market is only up 3-4.5% on the year. Making it the weakest positive gain in a decade?
My Ceci has been in the ground nearly two years in sunny Central Florida and yours is already larger. LOL
Without reading the article; I’ll simply say that having lived through the Dot-Com bubble of 95-00’ this all feels very familiar.

I was fresh out of college, earning more than my parents combined and watched all of my 401K contributions disappear in no time flat because tech was hot and I dumped all my money into it.

My best friend’s wife worked for WorldCom. A company playing fast and loose with their data and reporting. She was paid very well and they were living the good life. Until they weren’t; her bonuses and wealth were largely in company stock. When the company went bankrupt they were left effectively destitute. She ultimately committed suicide a few years later leaving her toddler daughter and pre-school aged son without a mother.

I’m certainly not saying that’s what’s going to happen here; but, if it does I won’t be at all surprised.

re: Cool Milestone

Posted by wiltznucs on 10/29/25 at 3:51 pm to
quote:

How old were you when you became a Millionaire


The exact moment sort of slipped by us. We dug deeply into our savings around age 40 and opened a small business while taking on no debt in 17’.

It did well for us overall. Had a few breaks go our way and made some of our own luck too. Those first few years we really raked it in; but, as one would expect soon thereafter competition emerged and our sales slowed.

Dumped the lions share of our earnings into Index ETF’s during the Covid stock market crash. Those have paid us handsomely.

Sort of saw inflation coming with all the Covid stimulus money and realized that Florida had simultaneously voted for a $15 minimum wage in 2020.

We gambled that housing prices were about to surge and ordered a new build. By the time we got to closing the builder was offering us $200,000 to walk away from the contract. Instant equity is always good.

I’m guessing around age 41-42 for me.

Congratulations on the milestone and achievement.

My advice to you now is to keep going and perhaps look at the balance less often. As your wealth grows the day to day market swings also get larger. Seeing a daily change of $50,000-100,000 or more can be unnerving and often convinces people to make irrational decisions and pull money out.

Stay the course; you are young and time is on your side.


Some high winds over the weekend had one Nanwah tree snap under its own weight and hit the ground overnight. Two days later and they are ripening up beautifully.

Banana season is officially upon us.

re: Subaru vehicles

Posted by wiltznucs on 10/22/25 at 4:46 pm to
quote:

My wife drives an Outback. Solid vehicle. Capable. Dependable. Safe. Didn't break the bank.


Got a gently used Outback for my teenage daughter’s first car. Honestly; it’s a badass. The seat is a bit rough for long drives; but, that’s the only fault I can find. Otherwise; it’s been flawless and super reliable. Consumer Reports consistently rates Subaru as the best bang for your buck in cars. I get it now.

We’re a 20+ year Toyota family; but, recently started looking at replacing my wife’s aging car. Not sure how I feel about the newly overhauled Outback; but, the Forester and Ascent are on our list of possibilities for sure.

re: Anyone on here grow garlic?

Posted by wiltznucs on 10/22/25 at 1:33 pm to
I tried a few different softnecks last year. Creole Red, Lorz, Themodrone and Blanco Piacenza.

First time growing garlic. From the reading it seemed like it would be easy enough.

I vernalized them in the fridge for 6-8 weeks as the seed cloves arrived. In hindsight; longer may have been better.

They grew; but, overall it was a massive disappointment. I probably didn’t feed them enough and the soil in the raised bed was a bit compact too. They are apparently nutrient hogs. Most failed to produce multiple cloves and instead grew like an onion with one single bulb. All were quite small.

The Thermadrone and Creole Red varieties did much better than the others. Larger and better developed.

I’m about to plant elephant garlic next week. Keep in mind it’s actually a member of the leek family and not a true garlic. In order to develop multiple cloves it takes two full years in most growing zones.
Originally sold as a Blue Java Ice Cream Banana from Fast Growing Trees; I’m convinced it’s actually a Namwah. Which is a win I’m told. Purchased in 2020. Kept in a pot until 22’. Then finally put in the ground. Today it has 10-12 healthy trunks. On average 10-15 feet tall. I give it 10-10-10 in the Spring and Fall.

Got one bunch last year. This year I have three. Not a huge amount; but, definitely delicious. Separated off some pups and established a new corm on the other side of the house. I’m thinking another 2-3 weeks before they ripen.




There’s dozens of different banana types out there. Some edible species and some that are decorative. Identifying them based on the flower and leaves is nearly impossible.

If it does produce fruit; you can often narrow it down based on their color, size and the way bunches are distributed.
It’s been a few years since I visited Barca. Things may have changed in recent years. I don’t recall ever feeling unsafe. We probably walked upwards of 8 miles per day and used public transportation exclusively.

The hotel had public transportation right in front of it. The place was a bit removed from the action; but, we aren’t afraid of walking. The place was new’ish at the time and felt like a great value relative to its price point. I’m not sure if it’s changed after new ownership; but, the breakfast buffet there was one for the ages. I still think about them made to order Iberico ham omelettes. LOL…
I’ve got three Namwahs holding fruit right now! Ready for them to be ready. Probably 2-3 weeks away from ripening. Will post pics tomorrow.

My Lemon Zest mango has really exploded with new growth after a year of doing absolutely nothing. Hopeful that 26’ gives me fruit for the first time. The Sri Lankan weevils have gave it hell. Killing them on a daily basis right now.

Orange Sherbet gave me fruit this year; but, had issues with insects. Ants absolutely attacked that particular tree. They find a small fissure in the fruit and wear them out before they are ripe.

The mango tree that has really exploded is CAC. I planted it as a modest 15g tree last Summer and it’s now easily 8 feet tall and equally wide. It’s going to be a problem without judicious pruning next year.

My Cecilove has grown perhaps 2 inches in the past two years. I’m debating ripping it out and replacing it with Coconut Cream.

With some luck I’ll get more mangoes next year than this year. I’ll let a few trees produce that I held back this year.

I’m hopeful that two years later my avocados will finally produce. The Simmonds and Brogdon are now 4-6’ tall and should be ready.
We stayed at the 45 Times; at the time it was the Iberostar. A very short walk to the Gothic Quarter or the Ramblas.
quote:

Have you tried out any true lemons, like Lisbon or Eureka? Meyer has too much mandarin DNA and gets killed by HLB.


I’m honestly having very little luck with citrus. The Sun Limes have done okay. The one in the pic is in the ground and gets irrigation. It has a less dense and more leggy canopy which produces fewer fruits but of larger and better quality than its counterpart in a 15g pot. The potted one is very dense and produces lots of fruit; albeit much smaller. They are nutrient hogs and like lots of nitrogen.

My Giant Australian Fingerlime died within a few months. In its native territory; those things are basically weeds. Growing in arid understory conditions. I theorize the intense Florida sun and often windy conditions where it was planted proved too much for mine.

I have a Persian Lime and a Dwarf Meyer. Both in pots. The Meyer has fared better of the two. About 3 feet tall and neither has produced fruit. Leaf miners and greening likely an issue.

I have a SugarBelle in the ground. I planted it as a 15g tree about one year ago. About 4 feet tall. It’s really not shown much vegetative growth. Transplant shock is a thing; I’m hoping 26’ kicks it into action. They are delicious and have shown very good HLB resistance.

HLB is a real problem here in Florida. Some new data suggests injecting the trees with Oxytetracycline offers some relief and produces better fruit. An older commercial orange breed known as the Donaldson has also shown good resistance and is making a comeback.

I’m afraid the damage is largely already done. Citrus has declined so much here; the old groves are worth more for residential/commercial development and imported citrus is both cheaper and often better. I don’t see it making a meaningful comeback.

On a more fun note; I sourced a Red Dacca banana tree today to fill the spot left by the dead papaya tree. So new stuff going in soon.

Some photos from the grove…

The finger lime is a citrus adjacent species found mostly in Australia and Oceania.

The University of Florida has produced several species meant to be better adapted to Florida’s climate. They have shown excellent resistance to citrus greening (HLB).

This tree is the Sun Lime variety and about two years old. The fruit is about the width of a thumb and about 2-3” long. When fully ripe it will transition from green to brown and eventually red.

Inside you’ll find a red citrus like caviar. It’s intensely tart and bursts when eaten. Some mixologists use them in cocktails. I love to top tacos with the caviar.