Over a lifetime, 7% to 8% is a good return. If you are safely building a portfolio, and looking at year over year, then anything between 8% and 12% is pretty good. If you are closer to retirement or just more risk averse, then around 5% to 7%. Really, anything above inflation means you are making money.
Everyone is going to have different definitions of “good.” It all depends on your goals, risk aversion, and stage of life. Your best bet is to find a financial advisor who can tailor a plan to your needs.
I think I get where you are coming from here, though I question the certainty in it. There is too much nuance to humanity to never trust or always ignore.
If you never anticipate good in others, you must be very lonely - never trusting, always defensive, waiting for the next attack. We all have different levels of trust shaped by our own experiences. Personally, I try to anticipate good until a person proves otherwise. I’d rather be disappointed occasionally than miss a possible connection to someone because I never anticipated goodness.
As far as receiving advice, take it from anyone and everyone. We constantly do this, even if we don’t notice. We take in the world around us. We decided if it was good, bad, or somewhere in between. If I see someone hit their thumb with a hammer, I learn not to hold the nail in the way way did. It’s non-verbal, yet in its own way, is advice. Verbal advice works similarly. Take it in, listen to it, accept or reject it. Ether way, it is part of you. You will adapt it to your own view. If someone says that jumping of a bridge is the best thing ever, you can ignore them or you can do it. Ignoring them shapes a picture of that person as irresponsible or dangerous while shaping you to be more conscious and risk-averse. Doing it shapes that person in your mind as someone to listen to in order to do something fun. I suppose what I’m getting at is a simple question, can you really ignore advice?
I’m probably just thinking more into it than you intended.
I will echo the Bondo route that others suggested. The big box hardware stores sell quart cans of general purpose Bondo in the paint aisle.
Cut out the vaneer over the bad area with a razor blade or box cutter.
Sand with 80 or 120 grit to remove any loose bits of the board. The particle board will crumble a little, but it will be fine. Just dont go overboard. Vacuum it to remove most dust.
Using a flexible putty knife, get one to two globs of Bondo on a clean piece of cardboard. Don’t do too much as you will have about 5 minutes of working time once the hardener is added. Follow the instructions on how much hardener to add, you wont need much. Fold the hardener into the Bondo with the putty knife until it is a uniform color.
Spread the bondo over the area you cut out. Try to get it smooth, but dont overwork it. It doesn’t have to be perfect.
Using 60 or 80 grit paper, sand it as it starts to dry. If it is gumming up the paper, it is still too wet to sand, give it another minute or two and try again. You are shaping it with this step. If you let it completely dry, it is hard as a rock and more difficult to sand.
Once it is in a good shape, switch to the next step up for sanding and repeat (60 to 80 to 120 to 180 to 220). Do not skip gits or you will just make work for yourself. You can probably stop at 180, but since it is next to vaneer, i’d go to 220. Again, if it is gumming the paper, wait a few minutes. Once you are at 220, use it to sand the entire cabinet to rough up the surface and accept primer better.
Once sanded, wipe the entire cabinet down with a tac cloth. I also recommend wiping the cabinets with a wax and greese remover so everything will stick better.
Now it is time for primer and paint. For a smooth finish, use a good quality foam mini-roller and foam brush for tighter areas.
Prime the cabinet using any water-based primer; killz is pretty good. They make an oil based that would be better, but will smell up your whole house, so I don’t recommend it unless you have excellent ventilation.
Lightly sand the peimer once it is fully dried with 220. If any spot is too light, do a second coat. Wipe up the dust.
Paint with an alkyd paint. Do at least 2 coats.
Not necessary, but if you want extra protection, you could use a foam brush (not a roller here) and do 3 to 4 coats of a water-based polyurethane on top of the paint. It might be overkill for what you want though.
This might seem like a lot, but you will have a great finish when done. Also, fair warning, Bondo has a strong smell. Open a window.
Shellac is not the same as oil based. Oil based is made from, well, oil. Shelllac is made by crushing the shells of the lac bug. It is an insect that is cultivated specifically for the purpose. Shellac is typically used as a final coat for protection. Shellac primer is basically that mixed with a white pigment. It is great for sealing. Fairly pricy though.
I inherited an old Delta table saw from the 80’s. The fence on it was in horrible shape when I got it. After a ton of research, I ended up getting the Shop Fox W2005 Classic Fence with Standard Rails.
The fence itself is great. Slides easy. Locks in place and stays there. Easy to adjust.
It took a little time to get aligned properly. After messing with it for a day or so, I bought guage to ensure it is 1/128" off square from the miter slot. Once it was set, I’ve had no issues.
Overall, I highly recommend it, if it is in your budget.
Watching someone dig a hole. Or standing by the side of a hole that was just dug and commenting about the hole. Or watching construction work in a previously dug hole.
We seem to just like holes. We are simple creatures.
Former U.S. Rep. George Santos alleged in a lawsuit filed Saturday that late-night host Jimmy Kimmel deceived him into making videos on the Cameo app that were used to ridicule the disgraced New York Republican on the show....
Let me get this straight. You were made fun of by a guy who works for Disney. An organization that’s ridiculously protective of their brand and famous for not being fucked with. One of the most litigious organizations, with an army of lawyers who know more about entertainment law than anyone on the planet. And you’re plan is to sue these people? Good luck.
Starting a career has increasingly felt like a right of passage for Gen Z and Millennial workers struggling to adapt to the working week and stand out to their new bosses....
The 50 to 60 hour week over multiple jobs does happen. However that is not the average nor the norm. Though I’m sure you were using it for effect more than an actual data-point.
According to the Bureau of Labor statistics, for 2023, the average American works 38.5 hours per week. If you drop part-time workers (<35 hrs / wk), a full-time worker does an average of 41.9 hours.
Do you really think the US has any real concern about being attacked? There is plenty to say about US policies, both good and bad. Part of that is the nearly $1T per year spent on the military. I don’t think you’ll find many credible people who think attacking the US will be good for whoever does it.
Attacking the US has been, historically, one thing that tends to unite the country. We - Americans - like building shit and we like fighting people. We never stop building new weapons. But when there is no-one to fight, we fight each other. There is a huge social divide in the US right now. You want to fix that, attack us.
It would take a lot to convince me that they haven’t been discussing this for years and have been waiting for the right time. The market is now loaded with others to do the delivery, which was probably one of the considerations. I’m sure another was how to announce it where they can blame someone else; at least to the point of ensuring some will defend them.
The minimum wage increase is their excuse. What they are doing is outsourcing their delivery to a 3rd party (GrubHub, Uber eats, etc). They wont have to pay them anything, the customer will. They are decreasing their head count, payroll, insurance, taxes, benefits, etc. They will lose some sales, but that wont even be close to their cost savings. They will easily make more money while selling their product at the same price. Any business would love to be in the same position.
Perhaps unsurprisingly, Americans who highly value religion are much more likely to have friendship circles where most people are from their own religious tradition. More than four-in-ten U.S. adults who say religion is very or somewhat important in their lives (44%) say all or most of their friends have the same religion they...
Which shows that a sexual act took place, not that there was consent. Not to pass judgement one way or another. Only they know what happened in the apartment. Where there other texts? Was there audio that shows consent? Too many questions at the moment and nothing but speculation one way or another.
My misunderstanding. I thought you meant from the heater to the floor.
To fix the gap you were talking about, you could do some acrylic caulking. You could do high heat silicone if you were worried about the heat, but the acrylic should be fine. Check the tube for the allowed heat range. The silicone will do vetter against the expansion and contraction, but you’d never be able to paint it. The acrylic would be paintable. But had a high chance of cracking.
Trump defense rests at New York hush money trial, ex-president doesn’t testify (www.cnbc.com)
When investing your money, what is considered a good rate of return?
What's the best advice you've ever received?
How to repair peeling on cabinets (lemmy.world)
Hi folks,...
[OC] [FB] Speak Up
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Table Saw Fences in 2024?
So I’ve been putting off upgrading the fence on my trusty Rigid 4512 for a few years....
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Understanding men (lemmy.world)
George Santos sues late-night host Jimmy Kimmel for tricking him into making videos to ridicule him (apnews.com)
Former U.S. Rep. George Santos alleged in a lawsuit filed Saturday that late-night host Jimmy Kimmel deceived him into making videos on the Cameo app that were used to ridicule the disgraced New York Republican on the show....
The game is still twelve days away (lemmy.world)
They are losing their fucking minds.
Gen Z and millennial productivity is being crushed by bosses who don’t understand them, top university research says (fortune.com)
Starting a career has increasingly felt like a right of passage for Gen Z and Millennial workers struggling to adapt to the working week and stand out to their new bosses....
American intel officials warn of risk of Hezbollah attacking U.S. (www.politico.com)
Pizza Hut franchises in California lay off all delivery drivers ahead of $20 minimum wage increase (www.sfchronicle.com)
TIL "npm" officially stands for "npm is not an acronym" (twitter.com)
Why not "NINAA"? Because then it would be an acronym.
A majority of Americans have a friend of a different religion (www.pewresearch.org)
Perhaps unsurprisingly, Americans who highly value religion are much more likely to have friendship circles where most people are from their own religious tradition. More than four-in-ten U.S. adults who say religion is very or somewhat important in their lives (44%) say all or most of their friends have the same religion they...
Police have recovered video of Florida GOP chair and alleged victim in rape investigation (flcga.org)
How do I fix this? Is it the spring or something else? (imgur.com)
See title. Is it the spring lifting one side off the ground or is it something else like the cable on that side? Thanks for any advice!...
What moment from a video game made you cry?
For me, it was Princess Rosalina’s backstory in Super Mario Galaxy.
How would you seal this gap under central boiler hydronic baseboard heaters that only get warm, not hot. (sh.itjust.works)