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Sir Saint
| Favorite team: | LA-Lafayette  |
| Location: | 1 post |
| Biography: | |
| Interests: | |
| Occupation: | |
| Number of Posts: | 5500 |
| Registered on: | 6/17/2010 |
| Online Status: | Not Online |
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thanks as always Craw. Comment back if you hear something!
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on this topic - I've always been a little nervous to drop a few hundred $ on flowering annuals for my flower beds and plant into a preen treated flowerbed in the spring. I know it's pre-emergent so shouldn't harm the plants, but still makes me nervous that I nuke thenew plants and start from scratch. Is this valid or am I trippin?
quote:
Chamber bitter, or "Gripeweed." Good luck.
this weed is devil spawn. Somehow made it's way into my flowerbeds and is the absolute bane of my existence. Spurge is piece of cake compared to this shite :banghead:
re: Please delete
Posted by Sir Saint on 6/24/26 at 8:13 pm to bayoubengal225
*here’s my house that’s not selling what yall think*
*constructive feedback*
*fair criticism of listing +/- agent*
*house might not be worth asking price*
….
*man this place is brutal*
:lol:
*constructive feedback*
*fair criticism of listing +/- agent*
*house might not be worth asking price*
….
*man this place is brutal*
:lol:
re: What is the better option for trying to set up my 5 year old daughter financially?
Posted by Sir Saint on 6/18/26 at 8:14 pm to TIGERSby10
You can still contribute $5000 per year to her account.
re: What is the better option for trying to set up my 5 year old daughter financially?
Posted by Sir Saint on 6/18/26 at 1:44 pm to TIGERSby10
Couple things.
There are no tax implications when converting 529 to Roth, but your daughter will have to have earned income (greater than or equal to the conversion amount) during the years that the conversions are made (you can only convert up to the maximum for the year, so it will take multiple years to convert the whole 35k).
One alternative to the UTMA that gives you more flexibility in her gaining access to the money, is to open another taxable brokerage account which is earmarked for her. Contribute to that account, pay your taxes on it every year, etc and then decide how much to gift to her and when down the road. This can function like an UTMA, but without her legally taking possession of the entire account at age 22.
You could also consider starting her a Trump account, which will turn into a traditional IRA when she turns 18.
I guess you need to decide if you are saving for her to be set up with a nest egg for retirement (in which case prioritize Roth and trump account), or if you are saving for her to have money to spend to her liking on whatever she chooses (in which case UTMA, taxable account would be preferrable).
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I know of transferring 35K to Roth IRA for her, but what are the tax implications for that vs the UGMA/UTMA plan.
There are no tax implications when converting 529 to Roth, but your daughter will have to have earned income (greater than or equal to the conversion amount) during the years that the conversions are made (you can only convert up to the maximum for the year, so it will take multiple years to convert the whole 35k).
One alternative to the UTMA that gives you more flexibility in her gaining access to the money, is to open another taxable brokerage account which is earmarked for her. Contribute to that account, pay your taxes on it every year, etc and then decide how much to gift to her and when down the road. This can function like an UTMA, but without her legally taking possession of the entire account at age 22.
You could also consider starting her a Trump account, which will turn into a traditional IRA when she turns 18.
I guess you need to decide if you are saving for her to be set up with a nest egg for retirement (in which case prioritize Roth and trump account), or if you are saving for her to have money to spend to her liking on whatever she chooses (in which case UTMA, taxable account would be preferrable).
mow low and often (2-3x per week). If using rotary mower, cut on the lowest setting possible. Fertilize with high N fert at 0.5lbs nitrogen per 1000 sq feet every 2 weeks. Water when needed.
re: Best Height For St Aug
Posted by Sir Saint on 6/17/26 at 1:13 pm to Major Dutch Schaefer
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Too short
St. Aug is incredibly resilient even at low height of cut. It might do best at 3.5-4 inches, but it will do absolutely fine at 2.5 inches. I have been cutting my yard at 1 inch 2x weekly for 2 years because I'm trying to slowly transition from st aug to common bermuda. The st aug does not give 2 shits about being at 1 inch, still thick as ever despite my best efforts.
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1000 SQ FT.
St aug is a little tougher to sand level due to usual height of cut being 3" or higher, so it is a bit challenging to really make sure the sand is evenly distributed. I'd mark any low spots or divots and make sure those get the most sand, and then space out shovels full over the rest of the area and let that 4' leveling rake rip. With such a small area, I would water the sand in by hand, making sure there are no areas where the sand completely covers the blades of grass. Watering it in by hand will have a sort of natural leveling effect since gravity will pull water and extra runoff sand to lower areas (this can't be achieved via sprinkler since the water can't pool fast enough to runoff to lower areas).
You'll see videos online of people covering the entire yard to the point that it looks like a beach. This is fine for bermuda but can kill st. aug FYI.
how big of an area are we talking here?
Looks to me like carpetgrass
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Any concern it’ll just be washed out?
nope. fertilize away.
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I ordered from North Solar Screen and did my own last year. Was about $5k delivered and a Saturday of my time for two sections, ~25’ and another one that was ~4’.
how sturdy is the 25'? I have a similar span on my patio and had concerns about it being flimsy etc
re: Opinion on stocks in Roth account
Posted by Sir Saint on 4/17/26 at 5:36 pm to beaverfever
Correct. This is the same logic I use when I purchase a powerball ticket. If it hits it is actually a great investment strategy
quote:
Each individual has their strategies and while there are textbook approaches to maximize and optimize your portfolio (taxable or not), it doesn't mean there aren't other ways to make it happen.
Fair enough. I don't think there's anything wrong with a few high conviction fliers in the Roth, I got a couple myself. Concentrated risk can pay off and in a Roth its sweet when it hits.
My issue with OP's portfolio is he's got a few hundred dollars each on a bunch of AI-adjacent tickers with apparently no thesis. He even mentioned these are ones that are down, which implies there might be more tickers in the mix. Spreading this thin almost guarantees lackluster returns and significantly caps upside.
the harsh truth is that this portfolio is absolute garbage for a Roth.
This is the type of thing you put in a "fun money" taxable brokerage account to play the casino. This is not what you put into one of the only tax-free withdrawal retirement vehicles available. You almost certainly are going to underperform the index if not actually lose money over a long period of time, and your future self 30 years from now is going to hate you for that.
This is the type of thing you put in a "fun money" taxable brokerage account to play the casino. This is not what you put into one of the only tax-free withdrawal retirement vehicles available. You almost certainly are going to underperform the index if not actually lose money over a long period of time, and your future self 30 years from now is going to hate you for that.
re: 2026 Lawn Projects Thread
Posted by Sir Saint on 4/8/26 at 11:27 am to bayoubengals88
still on my journey to transition from St. Aug to Bermuda in my front yard Reference post
Despite mowing at 1" twice a week and fertilizing the shite out of my yard all last summer (1/2lb N every 2 weeks), I still have a majority of st augustine. 'Muda popping through in a few places but still ~75% St. Aug. I pampered that St. Aug for years prior and now it just won't let go.
I have a hair-brained scheme to spray with quinclorac to accelerate the transition. what you think BB88 or any of my other bermuda enthusiasts ronk et. al.
ETA: also thought about verticutting or dethatching to yank up some st aug runners and give space for the bermuda to fill in. Need advice from the big dawgs
Despite mowing at 1" twice a week and fertilizing the shite out of my yard all last summer (1/2lb N every 2 weeks), I still have a majority of st augustine. 'Muda popping through in a few places but still ~75% St. Aug. I pampered that St. Aug for years prior and now it just won't let go.
I have a hair-brained scheme to spray with quinclorac to accelerate the transition. what you think BB88 or any of my other bermuda enthusiasts ronk et. al.
ETA: also thought about verticutting or dethatching to yank up some st aug runners and give space for the bermuda to fill in. Need advice from the big dawgs
quote:
Fyi Bioadvanced has a new granular product that has the same chemical as Specticle.
I used this for fall pre-emergent and the results were A1
re: Help with tree selection for front yard
Posted by Sir Saint on 2/12/26 at 8:30 pm to Crescent Connection
Idk anything about the trees you listed but a couple thoughts. 1 - you can’t just plant any tree in front of your home - make sure it’s a dwarf variety that won’t grow 30’ tall. 2 - I think a tree near your mailbox will look terrible; grass won’t grow under it so you’ll need to mulch around it, lawn won’t be as pretty, curb appeal will suffer (your house will be hiding behind the tree), etc. This idea is a hard no imo. 3 - what kind of tree is already on the right side? Might not be a bad idea to match that tree and plant near area C
re: Pre-emergent for mulched areas
Posted by Sir Saint on 2/12/26 at 12:34 pm to SoFla Tideroller
depending how big the area is. I'd probably start with Preen extended control (the orange-ish yellow container) since I have pretty good luck with that one in my rock beds and flowerbeds
You know I never realized how confusing the package labeling is. “Grass stopper” lol
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