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captpierre

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Posts posted by captpierre

  1. We may not like it but in today's market $12-$14 hard baits is reality in southern Ontario. You can buy "generic" lures for less and do alright but the hooks and hardware will not be as good, the consistency will vary more and some will flat out just not fish right. To each his own. This problem with the shadow rap is something that rapala needs to fix.

    I find ReefRunners and Walleye Divers are just as good as Raps for my purposes.

    2/3 the price.

    Catching most of my fish on jigs and dropshot.

    Way cheaper.

  2. Looked in owners manual of my 10 yr old Yammy.

    Says timing belt should be replaced after 5 yrs.

    Haven't done it yet.

    I do my own regular end of season maintenance. Runs perfectly.

    I guess I should get that done. ???

    I did change plugs and impeller at 5 yrs.

  3. Lots of choices out there

    Finding an advisor without conflict of interest is hard.

    Many will steer you into investments that benefit them thru fees and kickbacks and may not be the best out there for you.

    Stay away from equity mutual funds.

    They charge between 2 to 2.5 % annually on every dollar in the fund whether it goes up or down. And the majority of these funds don't beat the market.

    ETFs are the way to go or owning individual stocks. Way lower fees with ETFs. . .5 % usually. With stocks you pay a fee when you buy and then when you sell. That's it.

    Most important thing with equity investments is don't panic.

    The markets can be volatile. A lot of people buy in when the market runs up- so at the top, then panic and sell after the inevitable correction - at the bottom. Worst thing you can do.

  4. Hahaha good one. :clapping:

     

    Reminds me of this...

     

    A cop is sitting on his horse watching traffic and a guy walks up and sheepishly asks "Do you mind if I ah" and he points to the back end of the horse. The cop is confused and says " Sure". The fellow walks around behind the horse, lifts his tail, sticks his finger in the horse's bum and rubs it all over his lips!! The cop is astonished and asks "why would you ever do that??" The fellow smiles and says "chapped lips". So the cops asks "Is that good for chapped lips??" The guys says "No...but is stops ya from licking them!" :tease:

    ?

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