View Full Version : The post whore thread.
HoneyBadger
02-17-2016, 23:00
My new goal is to try and save (and invest) 50% of my income. So far it's MUCH easier than I ever imagined it would be.
EDIT: The cutting back spending part is easier I mean.
That's a gutsy goal. I'll be able to hit 15% in a few months.
I don't see any reason why we can't live off of $3,000 a month (not including what I pay on the mortgage). No car payment and no debt. Shouldn't be a problem except for the mental obstacles, which is the main problem that EVERYONE has with finances.
Great-Kazoo
02-17-2016, 23:40
ENOUGH OF THIS SHIT. Either talk about reloading or STFU
HoneyBadger
02-17-2016, 23:59
I don't see any reason why we can't live off of $3,000 a month (not including what I pay on the mortgage). No car payment and no debt. Shouldn't be a problem except for the mental obstacles, which is the main problem that EVERYONE has with finances.
Yeah, that's pretty good. You're making good money and that helps a lot. Our biggest problem is our expenses. Cost of living is stupid expensive here. Utility bills on a house that is 50% as big as our CO Springs house are usually 250-350% higher here. Food is more expensive. Gas is more expensive. Taxes are stupid high. Mortgage on tiny house is high. I'm beginning to regret buying a house here. It was a pretty emotional decision, and probably not a wise one.
HoneyBadger
02-18-2016, 00:00
ENOUGH OF THIS SHIT. Either talk about reloading or STFU
Kazoo, eat a snickers.
HoneyBadger
02-18-2016, 00:00
Irv, next time you see Kazoo, steal his leg.
I'm listening to the Dave Ramsey thing right now. So far, just the fact that Ramsey has a product/fund of his own, colors his opinions in a way that make me less likely to take his advice.
HoneyBadger
02-18-2016, 00:20
I'm listening to the Dave Ramsey thing right now. So far, just the fact that Ramsey has a product/fund of his own, colors his opinions in a way that make me less likely to take his advice.
He has a fund of his own?? News to me.
Putting 16% of my pay away every month....hope to get that to 20% soon....
Found the show:
https://www.mixcloud.com/thedaveramseyshow/7950-dave-goes-on-a-rant-about-saving/
Scroll down and fast forward to 10:40 and his response to the question goes until about 19:55
Yeah, I'm not at all convinced. Ramsey says that the three important points are 1) Actually investing money, 2) the rate of return, and 3) fees. He's putting fees last and saying they are least important with respect to the first two. He glosses right over the fact that fees directly affect the rate of return. In fact, there will be fees regardless of if there is any positive return at all. He goes on to try and vilify people that question high fees as being anti-capitalist (which is completely BS*), then goes on to try and convince the caller that a fund with a front-loaded commission fee of 5% can actually be cheaper than an average 2% maintenance fee. During that whole time, all I could think about is how whatever the performance of your fund, you'd lose 2-5% of the return. He never even really discounts the video because he admits that "a large amount of mutual funds under perform the market, but there are plenty that do better." Okay that's fine, but what are those percentages, and how would you know which funds will perform better than the market until it's too late? The video (and other sources I've been reading) says that 80% of actively managed funds under perform the market. Ramsey doesn't directly dispute that figure, but if those numbers are true, and you don't find out until the end of the year how your fund did, then what is the reason to attempt to beat the market when you have an 80% chance of losing? I believe it all has to do with human psychology where everyone thinks that if they hand the reins over to an "expert" that they'll be okay. On top of all that, the fund manager takes a commission out of YOUR investment every time the fund is "adjusted" (stocks bought/sold). This allows the fund manager to constantly pay themselves commissions out of your money under the guise of "adjusting" the fund for your best interest. But who's really making the guaranteed money here?
For what it's worth, the important part of the PBS video (which I just watched in its entirety) is from 20 minutes to about 40 minutes. The rest of the video is book-ended with the average sob stories of people who've spent their entire lives not saving any money, so when there are market crashes (which every one knows are coming), it completely wipes them out because they had no other savings.
I keep running into people talking about the Vanguard index funds and it really seems to be a fan favorite of the personal finance and early retirement bloggers. One guy even openly talks about how people who first come to his blog think he is just advertising for Vanguard. For others reading this discussion, the idea behind the Vanguard index fund is that the fund has all the stocks in the S&P 500 so the performance mirrors the market, which over the long run, has continued an upward trend since the beginning of its existence. The index fund has low fees because there is no buying and selling of stocks to try and beat the S&P500 because you already own all of those stocks. It's really a buy and hold method that counts investing for the long term, holding on during the ups and downs, and relying on the historical trend of market growth over time.
One interesting thing to note is that the argument for index funds, and against mutual funds is that EVERY mutual fund contains the small print warning of "past performance does not guaranty future performance." So the pro-index people will point out that data shows over the last 25 years (since index funds were created) that only 20% of mutual funds and active fund managers are able to out perform the market as a whole every year, and while a manager or fund may out perform the market one year, there is no guaranty that they will the next year. All while at the same time pointing to the historical graph of the market overall with a very strong upward trend over all of history. The answer is of course that mutual funds don't have all the companies, so just like trying to hand pick stocks, if you were to buy stock in Joe's Discount CFL Bulbs, and the company goes under, you stand to lose 100% of your investment. There is no bounce back because the company is done and the historical time line has ended. Whereas by owning all the stocks in the market, while at times the stock price value WILL drop with the market crashes, the market as a whole doesn't cease to exist and has shown time and time again that it will recover. In addition to that, if the market ever does crash to the point that it is no longer recoverable, then none of your choices will have mattered anyway. That of course is why people deal in precious metals as well. One could argue that if the stock market crashes, metals won't be worth much anymore either. I'm not going to take that position though, because I just don't know. It's no wonder that the early retirement bloggers are all suggesting that compound gains be married to learning to greatly reduce spending habits, because that insulates you from temporary market crashes. If you are only living off of 20% of your income and saving and investing the other 80% (this is actually possible and there are plenty of examples of people who do this and thrive), and then the market has a big crash (which it will) and you temporarily lose 60% of your investments, you don't have to panic as much because the reality is that you're still living off of only 20% of your total income. If you happen to lose your job at the same time, how difficult would it be to find a job at 80% lower income to keep you alive in the mean time? No need to walk away from a mortgage you can't afford or jump off a bridge because your nest egg took a hit.
*I don't like drinking in bars and restaurants. While I may not be able to recreate my favorite restaurant meal at home, and can stomach paying a premium for a meal prepared by someone else, the liquor store sells the EXACT same alcohol as the bar/restaurant for as little as 1/6th of the price. Since there is no benefit of me paying $6 for a bottle of beer at a bar, when I can get that exact same beer for less than $1, I just don't do it. I'm not against the price that bars/restaurants charge for alcohol, I've just made the personal decision to opt out of that. I personally think it's great how much of a profit margin bars make on alcohol. I think the person who invented "table service" is damn genius to get idiots to pay that much for alcohol. I just won't pay it. This is the same argument against fees in mutual fund packages. If fund managers set up a fee schedule and people are willing to pay those fees, then more power to them. It doesn't mean you're a liberal who hates America (as Dave Ramsey suggests) just because you seek to avoid fees.
Finally, I can't contribute much to the reloading discussion because I haven't been paid since the end of last month while waiting for this new job to start, and I still have a tiny amount of consumer debt. Once that all clears up, I'll allow myself to spend, as little as possible, on some projectiles to rebuild my stash for competition this year. In fact, a little bird told me that someone on here is sitting on 12k .223 projectiles they may be willing to let go. I think I'll look into that when the time comes.
He has a fund of his own?? News to me.
Sorry, I read through this pretty quickly, and was thinking he had a fund of his own.
but if you use one of Dave Ramsey's ELPs (Endorsed Local Providers) for a small fee, they will get you set up with good funds that should average at least 3% better than any index.
I was confusing that with this JLCollinsNH article http://jlcollinsnh.com/2012/04/15/stocks-part-1-theres-a-major-market-crash-coming-and-dr-lo-cant-save-you/ where he talks about Dr. Andrew Lo that argues against the buy and hold strategy, all while suggesting the best way to insulate yourself from the market is to buy and hold. At the end of the article he has a follow-up where a commenter points out that Dr. Lo has his own mutual fund products, then in another update that Dr. Lo's fund actually folded after a few years of under performing the market. I've been doing a lot of reading and things are starting to bleed together.
I apologize for the long post that was not reloading related. Writing it all out helps me to process everything to solidify my plan of attack for the future.
hghclsswhitetrsh
02-18-2016, 01:27
Does this mean you guys are dating now?
We would, but I don't want Kazoo to feel like a third leg.
hghclsswhitetrsh
02-18-2016, 01:41
Hah. Excellent.
We were talking about naming chickens to be allowed to keep them as pets and my wife suggested we name one of them Barred Rock Obama. We laughed at that for about five minutes straight.
Yo Ho's!!!
Just a heads up Stickers are in!
https://www.ar-15.co/threads/154496-Stickers-Have-Arrived!?p=1959747#post1959747
Yeah, that's pretty good. You're making good money and that helps a lot. Our biggest problem is our expenses. Cost of living is stupid expensive here. Utility bills on a house that is 50% as big as our CO Springs house are usually 250-350% higher here. Food is more expensive. Gas is more expensive. Taxes are stupid high. Mortgage on tiny house is high. I'm beginning to regret buying a house here. It was a pretty emotional decision, and probably not a wise one.
A lot of those costs are tough (but not impossible) to reduce. The tougher it is to reduce costs the better you know you're doing at least. I don't know how the market is out there, but would it be at all reasonable to rent the house you bought out there and just move into a rental yourself? Immediate concerns would be
- if your mortgage won't allow you to rent for a certain amount of years.
- you'd have to pay capital gains taxes once you actually sold the house since you didn't live in it for at least two years.
- the renters could cause damages beyond the already thin benefit of having rented the property.
Since you will have to be out there for at least the years, you could consider renting the last year if it turns out the market is on the upswing again. Since property values and rent process tend to rise together, you'd have more of a chance at making money, and more protection from renter damage. That's of course if there is another real estate bubble building in such a short time from now.
Great-Kazoo
02-18-2016, 09:02
Yo Ho's!!!
Just a heads up Stickers are in!
https://www.ar-15.co/threads/154496-Stickers-Have-Arrived!?p=1959747#post1959747
WTF There's advertising pop-ups in PWT now!!
Great-Kazoo
02-18-2016, 09:03
We were talking about naming chickens to be allowed to keep them as pets and my wife suggested we name one of them Barred Rock Obama. We laughed at that for about five minutes straight.
Name them for what they are
Sunday dinner
robbie roaster
carmela casserole
bobby beer can
Great-Kazoo
02-18-2016, 09:08
74,001 posts in this thread. Wow.
AND BAM 29,560
HoneyBadger
02-18-2016, 09:31
Damn Irving, I didn't budget myself enough time before work to respond to your novel. I think you are still making a few incorrect assumptions, but most of your concerns are valid. I'll respond when I can. It might be in a few hours (if work is slow) or it might be later tonight.
Thank you for this good discussion. It's always good to question your own premises and discuss new ideas.
It's nice to discuss stuff to see what works for who. As I've previously mentioned, and as Ramsey has said, the most important thing is that you've funded your accounts. As a result, your ahead of the game. I'm basically starting at zero and trying not to screw up any more.
hghclsswhitetrsh
02-18-2016, 10:05
This thread is starting to suck.
Don't worry, there are 8 hours left to make fun of Kazoo and make dick jokes before HB gets back to respond. Maybe he'll respond in the long term precious metals thread.
OldFogey
02-18-2016, 14:15
Oh Great Kazoo - I think you shorted yourself by about 4000 posts.
Great-Kazoo
02-18-2016, 14:46
Oh Great Kazoo - I think you shorted yourself by about 4000 posts.
Math's for pussies. The real deal is fly boys nowhere near the TOP OF THIS PAGE.
thvigil11
02-18-2016, 14:49
Howdy Ho's, been out of it for a while. Got some back reading to do.
thvigil11
02-18-2016, 14:49
Name them for what they are
Sunday dinner
robbie roaster
carmela casserole
bobby beer can
Ours are called
-That lil' f#cker over there
-This lil' f#cker right here
-Dammit
-That worthless sh*t that never lays anything.
Come to think of it, these may apply to some of the members of this forum.
Great-Kazoo
02-18-2016, 14:53
Come to think of it, these may apply to some of the members of this forum.
If you're going to start slinging shit around, i suggest you post here . Thing is, not too many have a clue why i posted in the first place.
https://www.ar-15.co/threads/154486-WHAT-IS-IT-WITH-SOME-NEWER-MEMBERS
thvigil11
02-18-2016, 15:10
I'm just here for reloading advice. [Flower]
Been feeling like the calm before the storm down here. Fire season outlook is not too bueno right now. Too much run off, too early. Been away a lot trying to get the CE's and other trainings tied down.
Great-Kazoo
02-18-2016, 16:31
I'm just here for reloading advice. [Flower]
Been feeling like the calm before the storm down here. Fire season outlook is not too bueno right now. Too much run off, too early. Been away a lot trying to get the CE's and other trainings tied down.
Reloading advice???? It's been turned in to financial ruin and impending disaster, all free of course.
Fire breaks wide enough, plan B of action ready?
thvigil11
02-18-2016, 16:57
Reloading advice???? It's been turned in to financial ruin and impending disaster, all free of course.
Fire breaks wide enough, plan B of action ready?
Don't make sense for me to ask about how to invest my only quarter.
My place is secure from fire. Problem is I bear some responsibility for the rest of the county down here. Of course the first plan always involves some ice cubes and a nine iron. Two would include a buffalo, live or stuffed, preferably stuffed for safety sake, and three, we bring back some of those ice cubes and switch it over to a pitching wedge.
HoneyBadger
02-18-2016, 19:04
Don't worry, there are 8 hours left to make fun of Kazoo and make dick jokes before HB gets back to respond. Maybe he'll respond in the long term precious metals thread.
You're in luck. I can't give you a response for at least a few more hours because Mrs. HB set up a dinner date with some friends. And I have a killer headache just thinking about it. [off-yourself]
buffalobo
02-18-2016, 21:43
Damn, hacked his homey right the hell off.[emoji33]
That's more than bad azz,
"That's just mean, man"
Sent from my SCH-I545 using Tapatalk
Great-Kazoo
02-18-2016, 21:46
Damn, hacked his homey right the hell off.[emoji33]
That's more than bad azz,
"That's just mean, man"
Sent from my SCH-I545 using Tapatalk
Get that package yet?
buffalobo
02-18-2016, 21:48
This thread is starting to suck.
OBC may think he is lost when he checks in.
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Great-Kazoo
02-18-2016, 21:49
OBC may think he is lost when ? he checks in.
Sent from my SCH-I545 using Tapatalk
That dude checked out long time ago.
buffalobo
02-18-2016, 21:51
Get that package yet?
Not yet.
USPS? I think the post lady has been alternating days off, like every other day.
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buffalobo
02-18-2016, 21:53
That dude checked out long time ago.
Tru dat.
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buffalobo
02-18-2016, 21:57
Seen any Bullseye up north?
Snagged a pound for decent price at Bass Pro just before Christmas, have not seen any more since (have not looked that hard either[emoji20] , no time).
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What life change has happened to OBC that he's not in here as much any more?
HoneyBadger
02-18-2016, 23:04
Yeah, I'm not at all convinced. Ramsey says that the three important points are 1) Actually investing money, 2) the rate of return, and 3) fees. He's putting fees last and saying they are least important with respect to the first two. He glosses right over the fact that fees directly affect the rate of return. Yes, but wouldn't you be willing to pay a higher fee to get higher net returns? (For example, pay an extra 1% annual maintenance fee for a fund that does 3% better) In fact, there will be fees regardless of if there is any positive return at all. This is why it's important to pick good funds. He goes on to try and vilify people that question high fees as being anti-capitalist (which is completely BS*) I had to go back and listen to it again... I took that mini-rant to mean that he was sick of people whining about capitalists trying to make money (If you don't like the fees, the take your money elsewhere, etc) , then goes on to try and convince the caller that a fund with a front-loaded commission fee of 5% can actually be cheaper than an average 2% maintenance fee. If you weren't convinced by the math here, then maybe investing isn't for you... ;) a one time 5% fee followed by a .5% fee for the next 10 years equals exactly 1% averaged out over 10 years. This is a situation where an up-front (front-loaded) fund may be more advantageous than a "no-load" fund that charges 2% annually (where the annual average is therefore 2%). During that whole time, all I could think about is how whatever the performance of your fund, you'd lose 2-5% of the return. If you don't like this, then create and manage your own fund. Then other people will pay you to manage their wealth. :) (BTW, this is true for all mutual funds. There is no such thing as a mutual fund that doesn't have fees. The whole point is that the fees should be worthwhile, but as I've said, there are bad funds out there, which is why doing your homework is so important.) He never even really discounts the video (You are right about this. I misled you to believe that he was directly responding to the video, when in reality, he was responding to an investment question that was loosely related to the video) because he admits that "a large amount of mutual funds under perform the market, but there are plenty that do better." Okay that's fine, but what are those percentages, and how would you know which funds will perform better than the market until it's too late? Based on long track records. Don't even consider a fund with a track record of less than 10 years. 5 and 10 year averages should outperform the indexes by several %. Every fund is required to report these numbers in their prospectus. The video (and other sources I've been reading) says that 80% of actively managed funds under perform the market. Ramsey doesn't directly dispute that figure, but if those numbers are true, and you don't find out until the end of the year how your fund did, then what is the reason to attempt to beat the market when you have an 80% chance of losing? Again, by wisely choosing funds with good track records. I believe it all has to do with human psychology where everyone thinks that if they hand the reins over to an "expert" that they'll be okay. On top of all that, the fund manager takes a commission out of YOUR investment every time the fund is "adjusted" (stocks bought/sold). This allows the fund manager to constantly pay themselves commissions out of your money under the guise of "adjusting" the fund for your best interest. If this is happening to your money, you need to find someone else to manage your money. But who's really making the guaranteed money here? Capitalists who are 2 steps ahead of you and I. ;)
I keep running into people talking about the Vanguard index funds and it really seems to be a fan favorite of the personal finance and early retirement bloggers. I do like a couple of Vanguard funds. I also have some money in a T Rowe Price fund. One guy even openly talks about how people who first come to his blog think he is just advertising for Vanguard. For others reading this discussion, the idea behind the Vanguard index fund is that the fund has all the stocks in the S&P 500 so the performance mirrors the market, which over the long run, has continued an upward trend since the beginning of its existence. This is true. This is why any wise investing is always good. If you invest nothing, you'll predictably come out with nothing. As I've said before, index funds are a little safer than some mutual funds, such as small cap (aggressive growth) funds. The index fund has low fees because there is no buying and selling of stocks to try and beat the S&P500 because you already own all of those stocks. It's really a buy and hold method that counts investing for the long term, holding on during the ups and downs, and relying on the historical trend of market growth over time. This is also true. One of my best-performing mutual funds has large holdings in Amazon, Google, Apple, and Alphabet Inc. I'll have to log into my account to check, but I think it's 5 year average is something like 4.5% above the S&P 500 and the 6.125% upfront load that I paid less than 1 year ago has already paid for itself and any gains from here on out (apart from the annual maintenance fee which is less than .5%) are purely profit.
One interesting thing to note is that the argument for index funds, and against mutual funds is that EVERY mutual fund contains the small print warning of "past performance does not guaranty future performance." So the pro-index people will point out that data shows over the last 25 years (since index funds were created) that only 20% of mutual funds and active fund managers are able to out perform the market as a whole every year, and while a manager or fund may out perform the market one year, there is no guaranty that they will the next year. All while at the same time pointing to the historical graph of the market overall with a very strong upward trend over all of history. The answer is of course that mutual funds don't have all the companies, so just like trying to hand pick stocks, if you were to buy stock in Joe's Discount CFL Bulbs, and the company goes under, you stand to lose 100% of your investment. There is no bounce back because the company is done and the historical time line has ended. Whereas by owning all the stocks in the market, while at times the stock price value WILL drop with the market crashes, the market as a whole doesn't cease to exist and has shown time and time again that it will recover. In addition to that, if the market ever does crash to the point that it is no longer recoverable, then none of your choices will have mattered anyway. That of course is why people deal in precious metals as well. One could argue that if the stock market crashes, metals won't be worth much anymore either. I'm not going to take that position though, because I just don't know. It's no wonder that the early retirement bloggers are all suggesting that compound gains be married to learning to greatly reduce spending habits, because that insulates you from temporary market crashes. If you are only living off of 20% of your income and saving and investing the other 80% (this is actually possible and there are plenty of examples of people who do this and thrive), and then the market has a big crash (which it will) and you temporarily lose 60% of your investments, you don't have to panic as much because the reality is that you're still living off of only 20% of your total income. If you happen to lose your job at the same time, how difficult would it be to find a job at 80% lower income to keep you alive in the mean time? No need to walk away from a mortgage you can't afford or jump off a bridge because your nest egg took a hit. These are valid points, except this one: The "past performance" jargon is in the small print because a federal regulation requires it to be there.
In summary, there are many different types of mutual funds - some are intended to be higher risk portfolios and some are lower risk. A well-managed higher-risk fund will outperform the market most of the time. If you don't want the additional risk, then play it safe and do indexes. I don't think that index funds are evil, or bad, or wrong. Index funds are a great way to invest your earnings. However, some mutual funds will always be able to do better. I saw some mutual funds that did better than 30% in 2014 and better than 25% in 2015. When I looked at their holdings, they were mostly in the healthcare industry. If Obamacare goes away tomorrow, those funds are royally screwed and their 2016 earnings could be -40%
*I don't like drinking in bars and restaurants. While I may not be able to recreate my favorite restaurant meal at home, and can stomach paying a premium for a meal prepared by someone else, the liquor store sells the EXACT same alcohol as the bar/restaurant for as little as 1/6th of the price. Since there is no benefit of me paying $6 for a bottle of beer at a bar, when I can get that exact same beer for less than $1, I just don't do it. I'm not against the price that bars/restaurants charge for alcohol, I've just made the personal decision to opt out of that. I personally think it's great how much of a profit margin bars make on alcohol. I think the person who invented "table service" is damn genius to get idiots to pay that much for alcohol. I just won't pay it. This is the same argument against fees in mutual fund packages. If fund managers set up a fee schedule and people are willing to pay those fees, then more power to them. It doesn't mean you're a liberal who hates America (as Dave Ramsey suggests) just because you seek to avoid fees. He gets distracted and has lots of pent up aggression (micro-aggression? [LOL]) against anti-capitalists and whiners who don't understand how capitalism works. His mini-rant here was not very well placed.
Finally, I can't contribute much to the reloading discussion because I haven't been paid since the end of last month while waiting for this new job to start, and I still have a tiny amount of consumer debt. Once that all clears up, I'll allow myself to spend, as little as possible, on some projectiles to rebuild my stash for competition this year. In fact, a little bird told me that someone on here is sitting on 12k .223 projectiles they may be willing to let go. I think I'll look into that when the time comes.
If you're looking for some .223 or 9mm projectiles, I have some of each, along with brass, primers, and powder. Maybe your bird can fly out here in a few months and pick them up for you.
HoneyBadger
02-18-2016, 23:05
Annnnnnd..... I'm exhausted. [Bed]
Great-Kazoo
02-18-2016, 23:18
Not yet.
USPS? I think the post lady has been alternating days off, like every other day.
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That's good, cause i haven't sent it yet ;)
Great-Kazoo
02-18-2016, 23:19
What life change has happened to OBC that he's not in here as much any more?
Decided he was going to start acting like an adult.
Great-Kazoo
02-18-2016, 23:20
If you're looking for some .223 or 9mm projectiles, I have some of each, along with brass, primers, and powder. Maybe your bird can fly out here in a few months and pick them up for you.
What am i, chopped liver?
Okay, I appreciate your explanation of front loading commissions. Could you circumvent this by purchasing $1,000 in funds, then the next day, week, month, whatever, put the rest of the money you want into the fund? Or does that 5% commission come out of every single investment? If the commission comes out each transaction, it'd be interesting to see the numbers over 1, 2, 5, 10, and 20 years on investing $500 a month in a front loaded mutual fund compared to the static 1% of the Vanguard fund.
HoneyBadger
02-19-2016, 00:16
What am i, chopped liver?
If you please. :)
HoneyBadger
02-19-2016, 00:20
Okay, I appreciate your explanation of front loading commissions. Could you circumvent this by purchasing $1,000 in funds, then the next day, week, month, whatever, put the rest of the money you want into the fund? Or does that 5% commission come out of every single investment? If the commission comes out each transaction, it'd be interesting to see the numbers over 1, 2, 5, 10, and 20 years on investing $500 a month in a front loaded mutual fund compared to the static 1% of the Vanguard fund.
This is a completely valid question, and I am not qualified to answer it for you. I think many front-loaded funds probably have minimum investments (sometimes $10k or more), but I'm not sure if that applies to additional investing over time. Time to call a broker. I don't have a broker and I manage some pretty simple stuff on my own through my bank (USAA) but I am going to have a broker within a year or two (because I'll be contributing a decent amount into my retirement and other investments again).
HoneyBadger
02-19-2016, 00:20
Decided he was going to start acting like an adult.
As opposed to the rest of us... [Abused]
I'm going to ask my stock broker if he would recommend me getting a stock broker. Interested to hear what he says.
He's not MY stock broker, he is my friend, that professionally trades stocks. Also, where is Mr. Pena when we need him?
HoneyBadger
02-19-2016, 03:33
The middle of the night is not the best time to research funds. After a few hours, they all look the same and I forgot the reasons I wrote some of their symbols down in the first place. [facepalm]
H. BADGER, this is tonight's homework assignment. It is a brief read.
http://www.madfientist.com/ultimate-retirement-account/
HoneyBadger
02-19-2016, 13:31
H. BADGER, this is tonight's homework assignment. It is a brief read.
http://www.madfientist.com/ultimate-retirement-account/
S. PICKLES, I might get to it. I'm working the night shift for the next 5 days, but I don't know if I'll have free time or access to a computer.
OldFogey
02-19-2016, 14:13
I have an HSA. Getting them to reimburse medical expenses is akin to pulling teeth. You can get the money (that YOU put in) if you're willing to tug hard enough. Better than no HSA? Yes. Would I want to try getting disbursements regularly? Ouch.
After age 65 you can use an HSA the exact same way as a traditional IRA as well.
buffalobo
02-19-2016, 18:43
Hoverines!
I've decided to walk to the liquor store and earn my beer. It's a 4-mile round trip. There is one only a mile away, but the prices at Total Beverage cannot be beat!
I've decided to walk to the liquor store and earn my beer. It's a 4-mile round trip. There is one only a mile away, but the prices at Total Beverage cannot be beat!
You just need an extra traveller.
HoneyBadger
02-19-2016, 20:38
I've decided to walk to the liquor store and earn my beer. It's a 4-mile round trip. There is one only a mile away, but the prices at Total Beverage cannot be beat!
Don't drink it all on the way back!
Phew, I forgot how large a 30 rack is, and carrying it for 2 miles (plus what my wife wanted) was no joke. I should have brought a back pack and rucked it.
You couldn't shoulder it like a ghetto boombox?
And split my peripheral in half?!
I did think of it though.
The part I enjoy most about walking places is people assuming I'm just a homeless vagrant. We walked to the store once as a family and I stayed outside with the dog. I was wearing work pants, a long sleeved flannel shirt, and have a beard. People were cutting a pretty wide path around me and avoiding eye contact. Hahahaha
blacklabel
02-19-2016, 21:43
The original PWT is still the best.
It took me a few years to make my first post in here, but it was worth it.
Great-Kazoo
02-19-2016, 21:49
And split my peripheral in half?!
I did think of it though.
The part I enjoy most about walking places is people assuming I'm just a homeless vagrant. We walked to the store once as a family and I stayed outside with the dog. I was wearing work pants, a long sleeved flannel shirt, and have a beard. People were cutting a pretty wide path around me and avoiding eye contact. Hahahaha
Perhaps it was your personal hygiene, more than what you were wearing.
blacklabel
02-19-2016, 21:49
It would take me 366 minutes of continuously posting to match your post count. I don't have anything to do tonight.
Great-Kazoo
02-19-2016, 21:50
It would take me 366 minutes of continuously posting to match your post count. I don't have anything to do tonight.
Which ass you talking to, me or the other one?
blacklabel
02-19-2016, 21:51
Which ass you talking to, me or the other one?
The other one, I need to get sleep at some point.
Great-Kazoo
02-19-2016, 22:00
The other one, I need to get sleep at some point.
Retire, it's what keeps me going. They say Idleness is the Devil's playground, satan & me shoot midnight hoops. I let him win, occasionally. Heard he has a mean streak. No reason i need to find out.
blacklabel
02-19-2016, 22:01
Retire, it's what keeps me going. They say Idleness is the Devil's playground, satan & me shoot midnight hoops. I let him win, occasionally. Heard he has a mean streak. No reason i need to find out.
I tried the powerball, lost 25 bucks. I don't see retirement in my near future.
Great-Kazoo
02-19-2016, 22:03
I tried the powerball, lost 25 bucks. I don't see retirement in my near future.
The up side, 111 more post and you'll crack 6K. Feets Don't Fail Me Now.
blacklabel
02-19-2016, 22:07
That'll be my greatest accomplishment this week. just need to grab a couple 6 packs of espresso stout so I have the energy.
And split my peripheral in half?!
I did think of it though.
The part I enjoy most about walking places is people assuming I'm just a homeless vagrant. We walked to the store once as a family and I stayed outside with the dog. I was wearing work pants, a long sleeved flannel shirt, and have a beard. People were cutting a pretty wide path around me and avoiding eye contact. Hahahaha
Not if you take a beer out of the center.
You should make a sign. Could have paid for that grocery trip.
< Cue The Proclaimers x 15> 64076
Perhaps it was your personal hygiene, more than what you were wearing.
Of the entire four mile walk, the ONLY time I farted was right before I passed some dude wearing enough cologne to smell across the street. He also probably thought I was homeless.
I tried the powerball, lost 25 bucks. I don't see retirement in my near future.
We've actually been talking retirement in here the last few days (which has been pissing everyone else off). Mr goal is to be able to retire in ten years, and I'm basically starting at zero right now. Check out www.MrMoneyMustache.com if early retirement is something that might interest you.
Not if you take a beer out of the center.
You should make a sign. Could have paid for that grocery trip.
I want to dress as homeless as possible and stand on the corner with a Bernie Sanders 2016 sign for a few hours. I bet most people wouldn't even get the joke.
Great-Kazoo
02-19-2016, 22:27
I want to dress as homeless as possible and stand on the corner with a Bernie Sanders 2016 sign for a few hours. I bet most people wouldn't even get the joke.
What joke ?
The sign should read...... I FELT THE BERN.
HoneyBadger
02-19-2016, 22:34
I want to dress as homeless as possible and stand on the corner with a Bernie Sanders 2016 sign for a few hours. I bet most people wouldn't even get the joke.
What Joke? You'd just look/smell like the rest of his supporters.
What Joke? You'd just look/smell like the rest of his supporters.
Yea, but Stu can change a tire.
blacklabel
02-19-2016, 22:36
Of the entire four mile walk, the ONLY time I farted was right before I passed some dude wearing enough cologne to smell across the street. He also probably thought I was homeless.
We've actually been talking retirement in here the last few days (which has been pissing everyone else off). Mr goal is to be able to retire in ten years, and I'm basically starting at zero right now. Check out www.MrMoneyMustache.com if early retirement is something that might interest you.
Thanks for the heads up. We need to our bills paid off, start rolling up our debt before I can think about retirement.
That is always step number one. There are many other early retirement blogs if that is not your style, but most of them shout out to Mr Money Mustache for providing them the motivation to change their mind set.
blacklabel
02-19-2016, 22:48
That is always step number one. There are many other early retirement blogs if that is not your style, but most of them shout out to Mr Money Mustache for providing them the motivation to change their mind set.
I'll read up on it. It's one of those things that we've failed to take seriously but turning 30 has made me realize that we really don't have that long to get our crap together before time runs out.
So here goes. The wife wants the bathroom shower shower tiled. Generally speaking what the wife wants, the wife gets. She puts out the bat signal that we need someone to do tile and an acquaintances relative volunteers. Guy comes out gives an estimate. Bails on us 6 times in a row. Finally shows up to do the work, over charges her from what he originally estimated. Then tries to make my wife feel bad over the amount that he estimated the work. Does the shittiest tile job I have ever seen in my life. Aaaand skips town. So anyone know a good tile guy? Or does anyone want to help me track down a Mexican guy named José and turn him into a human piñata? Either way I would appreciate it.
blacklabel
02-19-2016, 22:55
Don't know jack about tile but that sucks man.
Tough lesson. Bmac on here is a contractor and says he has a great tile guy. Pretty sure a few members have had work done by him as well.
HoneyBadger
02-19-2016, 23:59
At least I got a good workout in before going to work. See you fellas on the flip side.
blacklabel
02-20-2016, 00:06
Anyone else completely unable to workout before work?
Anyone else completely unable to workout before work?
I've never been able to. I'm very much a night person. Probably 90% of all the miles I've run over the years have been after dark.
Looks like I'm safe. Both trucks, the wife's SUV, the son's car, the daughter's car, and the future daughter in law's and son in law's vehicles didn't make the list.
Ray, with a future son-in-law, and future daughter-in-law, are you just letting two strangers marry into the family?
HoneyBadger
02-20-2016, 14:15
Anyone else completely unable to workout before work?
Yeah this was a first for me, but I think it really helped my body stay awake until about 3am. I definitely crashed around 3am. I got home around 7 and slept until noon, so hopefully tonight's shift won't be so painful.
HoneyBadger
02-20-2016, 14:15
It's basically like being "jet lagged" by 8 hours.
HoneyBadger
02-20-2016, 14:16
Ray, with a future son-in-law, and future daughter-in-law, are you just letting two strangers marry into the family?
I think [hope] he's talking about separate marriages. BUT,... these days, you never know!
My kid is in the full blown "no, no, no, no, no, no, no, no, no" stage. I heard it never really ends....
Met a new neighbor today. Get the feeling he's probably a Berner.. But around here, there are few that aren't.
I think [hope] he's talking about separate marriages. BUT,... these days, you never know!
Hmmm..sounds medieval, but some people still like to keep the wealth in the family.
Yeah this was a first for me, but I think it really helped my body stay awake until about 3am. I definitely crashed around 3am. I got home around 7 and slept until noon, so hopefully tonight's shift won't be so painful.
just don't fall asleep on the big red button
blacklabel
02-20-2016, 16:14
I'm thinking about taking a promotion at work that will have me working 3am to 1pm daily. Not sure I can handle that.
I'm thinking about taking a promotion at work that will have me working 3am to 1pm daily. Not sure I can handle that.
If there is a chance to keep the promotion and go back to the schedule you like eventually, it seems worthwhile to consider it.
Can you handle it long enough to put the extra money toward paying off your debt?
blacklabel
02-20-2016, 16:19
It would take another move to get out of that schedule. It's just the nature of job that calls for that schedule. The additional income would definitely be the thing that pushes me over the edge to do it.
Great-Kazoo
02-20-2016, 16:40
It would take another move to get out of that schedule. It's just the nature of job that calls for that schedule. The additional income would definitely be the thing that pushes me over the edge to do it.
How much would you get paid versus taxes taken out. We all know someone who took the promotion for the extra $50 - 10-15K . Tax time rolls around, they're loosing 55% of the raise. Been better off staying at their current pay rate.
blacklabel
02-20-2016, 16:42
Still waiting on a formal offer. Damn taxes.
HoneyBadger
02-20-2016, 17:21
just don't fall asleep on the big red button
It's okay, there is a plastic cover over it to prevent accidents. [Awesom]
HoneyBadger
02-20-2016, 17:22
Can you handle it long enough to put the extra money toward paying off your debt?
This is what I was going to ask. Irving is on the ball today.
At Coord Field for the DU-CC hockey game. Security prohibits sticks with signs or clubs, yet baseball bats are perfectly fine...would you rather get poked in the eye or bludgeoned to death? WTF
How much would you get paid versus taxes taken out. We all know someone who took the promotion for the extra $50 - 10-15K . Tax time rolls around, they're loosing 55% of the raise. Been better off staying at their current pay rate.
This should be a non-issue. Just between 401k, IRA, and HSA, an INDIVIDUAL can reduce their taxable income by $27,000 every year. If that's not enough to keep you out of the next tax bracket, then CONGRATULATIONS! :D
At Coord Field for the DU-CC hockey game. Security prohibits sticks with signs or clubs, yet baseball bats are perfectly fine...would you rather get poked in the eye or bludgeoned to death? WTF
I hope you don't get beaten to death for enjoying a game! Have fun tonight!
We're covered under my wife's medical plan (health worker) and her employer contributes to our HSA.
I'm capped at $18K plus (over 50) catch up $6K in my 401K and not eligible for additional pretax (tax deferred) contributions to any plan. I believe our 401k employer match - which actually goes into ESOP stock also has something to do with that.
I wish we could get our spending under control. Paying hers and one kids student loans isn't helping. Did you know a Nursing degree is more $$$ than a post graduate MBA?
I am driving two paid off 13 & 12 year old vehicles...
Well some bush just got shaved out of the election [Coffee]
We're covered under my wife's medical plan (health worker) and her employer contributes to our HSA.
I'm capped at $18K plus (over 50) catch up $6K in my 401K and not eligible for additional pretax (tax deferred) contributions to any plan. I believe our 401k employer match - which actually goes into ESOP stock also has something to do with that.
I wish we could get our spending under control. Paying hers and one kids student loans isn't helping. Did you know a Nursing degree is more $$$ than a post graduate MBA?
I am driving two paid off 13 & 12 year old vehicles...
Could you contribute to an IRA? Individual cap is $5,500. I'm curious if the HSA contribution cap is still $3,350 with an employer funding.
Well, here is the answer: http://www.shrm.org/templatestools/hrqa/pages/areemployercontributionstoehsahsaconsideredtaxable incometothee.aspx
Generally, contributions made by an employer to the health savings account (HSA) of an eligible employee (http://www.irs.gov/publications/p969/ar02.html#en_US_2011_publink1000204045) are excludable from an employee’s income and are not subject to federal income tax, Social Security or Medicare taxes. In addition, employer contributions are deductible as a business expense to the company.
An employee’s HSA may be funded by contributions from the employer, from the employee or both. Employers may choose to contribute a set amount or make “matching” contributions . The IRS sets annual limits (http://www.irs.gov/pub/irs-drop/rp-11-32.pdf) on the amounts that may be contributed to the HSA. Therefore, if an HSA is funded by contributions from both the employer and the employee, it will be important to ensure that the total contributions remain within the annual IRS limits. Contributions made in excess of these annual limits may become taxable income to the employee.
While employer contributions to an HSA may be excluded from the employee’s income, all employer contributions, including those made by the employee through a cafeteria plan, must be reported in box 12 (http://www.irs.gov/instructions/iw2w3/ch01.html#d0e1434) of the employee’s W-2.
- See more at: http://www.shrm.org/templatestools/hrqa/pages/areemployercontributionstoehsahsaconsideredtaxable incometothee.aspx#sthash.kRBs5BdK.dpuf
Well some bush just got shaved out of the election [Coffee]
I LOL'd.
Great-Kazoo
02-20-2016, 21:31
Well some bush just got shaved out of the election [Coffee]
Didn't know he was running.
OldFogey
02-20-2016, 22:01
Please clap.
HoneyBadger
02-20-2016, 22:12
:(
HoneyBadger
02-20-2016, 22:29
Whew... I am really not feeling this night-shift garbage...
HoneyBadger
02-20-2016, 22:30
I'm going to go try to psych myself up with a quick workout.
HoneyBadger
02-20-2016, 22:30
Hopefully I don't fall asleep in the middle of it.
HoneyBadger
02-20-2016, 22:31
Bulgarian split squat jumps are the worst.
blacklabel
02-20-2016, 22:39
I had to google that.
If you add "naked" to the end of the search term. It doesn't change the results.
blacklabel
02-20-2016, 22:54
I'd tear my Achilles or my ACL after 3 of those. Screw that.
If you add "naked" to the end of the search term. It doesn't change the results.
Domid you try it with "nutsack"?
If I did that I'd tear my wrist ACL.
Check out this glass jar I found buried in my yard today. It doesn't show as well in pictures, but I think this must have been a baby food jar or something. It was very "wrinkled."
https://lh3.googleusercontent.com/lTZ38N2LMG8nWk7D1PGWakbFGWn0zSIRi0Sa7K-COoEIPl-_4xnnEEc51BVPjLj9_bOlhmTgLx6DJCQNjy_xxzafx9o3Z8rBt kdCQNVCBF4uek0QBGSZWA-U63bGjNuEQ-IE3e0wsQ8_vhGR36MUvYwwwmSK2XPkKkGHW9xPUjytCBa-ie8a11lGSGtKCtMLLx26GyyQ_N5_QJ9sisbYfRL_jMf9T4LpAh JwV6b5QL8NC7MLNeHsRdKkXS7t6ksg57Fn82wkaDd2VJlybKfD WwlkBxxB6cWg9ukJMZGKIeTD4NvcK4al7Ewbpdln2uwqC5ck7Z KSaRL7S9ULqPfUvCJTkRzp-6QgJRKtsOaX3WZ_ou9_PKXlOCOfAdLZq-gFtZWolyaaiDEQL0zK5LtWdCY_JuqFq961xPgkp9GdninuyMbD MhzWj9kY5IjXPUMKxMOeuMsz7DTmOKOW1n88q_BNhSGerT2fq2 IvRg1HbI-lPVdKKcXBATtSjvt88jYNDv-juyJe6NI4j5yuYXBSm_-q5YSVbepyXl4Nytldc4b_5iEvBgad-tMhJbuhAGI67bQK-g=w1698-h955-no
https://lh3.googleusercontent.com/2oGHggKLjePfhXjbw0iOWfYDQAUoYxtyLI8aqSbzpiLLCLStYZ k4YP9ePSFu8lSw2nSNaeDGq9-eLPgSLYm0sMNKk_2I64y_hGNB-CG_uQybx38k3R0BQYm3-S446vFrtWTJ8V8fUP-RKTWRBuFyLSOgHQr3f2ZH22vZ-wYmUaJojIG3hze3QugqHwyzLAsbjFOp2LJrb30nnAOm3g3d92q mxODPTooJmjg4iz2VByUde6JtIsVFcMmtKj0cCIoECGpOgmxu5 wS2LtKTj7hGbbTX_yG1oTsQ9DmR7_0mAzfc4fN7CbZDejO_slW 2H7kkjGckwVO_NWxGsEmkaTzFDzy6_Kx6MB_0jSO3CTqxdXbzw Pvkx0iyYc0RmbxHZ6XRueNMhV00Vx14BpTDtftcp0jcbL8EeGE blwSCuQuo7WuP_Rhom1QK7mdUqbPVpYwCDxWBsnANH5-yxvYfH_Iqglx2d7xkME2fsxfUePc8XP6YxuqrHDQd64exZUUHT vq-U5n3acYxZIKzgy7SkvmtA_RkQW0qwLrTf_mdoedbw2ORp0xoaX E7P-yHF3QuFZjP6NZxGQ=w1698-h955-no
blacklabel
02-20-2016, 23:49
Done that, twice
HoneyBadger
02-20-2016, 23:53
Someone throw it in a firepit a long time ago or what?
Who knows. Any time there is exposed dirt in my yard, all kinds of weird treasures show up. I've been seeing a rusty hinge kicking around my front yard for a while. Old house, lots of trash in the ground.
HoneyBadger
02-20-2016, 23:58
Stronger Every Day. My new personal motto. Mentally stronger. Financially stronger. Physically stronger. Spiritually stronger. etc
HoneyBadger
02-20-2016, 23:58
Don't waste a single day not getting any stronger.
HoneyBadger
02-20-2016, 23:59
Who knows. Any time there is exposed dirt in my yard, all kinds of weird treasures show up. I've been seeing a rusty hinge kicking around my front yard for a while. Old house, lots of trash in the ground.
That exciting. Maybe Sideshow Bob will lend you a chainsaw metal detector to look for buried booty.
HoneyBadger
02-21-2016, 04:59
Shhhhh! Don't be so loud!
Great-Kazoo
02-21-2016, 11:15
Keep on Rockin in the Free World.
Hooooooooooooooooooooooooooooooooooooos.
I finally get to have my first day at the new job tomorrow. I'm pretty excited. It's about time. Anyone need anything from Fort Morgan?
hurley842002
02-21-2016, 21:50
Hooooooooooooooooooooooooooooooooooooos.
I finally get to have my first day at the new job tomorrow. I'm pretty excited. It's about time. Anyone need anything from Fort Morgan?
I'm not a very good Ho (can't ever keep up), but congratulations, I know the excitement!
buffalobo
02-21-2016, 21:57
Hooooooooooooooooooooooooooooooooooooos.
I finally get to have my first day at the new job tomorrow. I'm pretty excited. It's about time. Anyone need anything from Fort Morgan?
Wave when you drive by, if you go that way.[AR15]
What are doing at the new job? Been following the adventure but guess I missed what the new position is.
hghclsswhitetrsh
02-21-2016, 22:07
Took out the yella truck today. I'd upload a video but photobucket doesn't support.
hghclsswhitetrsh
02-21-2016, 22:09
Wait yes it does. Stand by.
Wave when you drive by, if you go that way.[AR15]
What are doing at the new job? Been following the adventure but guess I missed what the new position is.
I bring taller ladders than adjusters are able to carry, to allow them to access roofs that are over one story. And/or I have special equipment, i.e. shoes, rope, harness, that allow me to access roofs that are too steep for adjusters to be on.
HoneyBadger
02-21-2016, 22:14
Have fun with the new gig tomorrow, Irving!
Hey Irving,
Did you buy a truck or are they letting you work with your car for now?
hghclsswhitetrsh
02-21-2016, 22:21
http://i1036.photobucket.com/albums/a441/RamboZuki84/th_936DD10D-9C34-4F19-B925-6FDBCAA6B955_zpsbyxpicpz.jpg (http://i1036.photobucket.com/albums/a441/RamboZuki84/936DD10D-9C34-4F19-B925-6FDBCAA6B955_zpsbyxpicpz.mp4)
hghclsswhitetrsh
02-21-2016, 22:23
There it is. Kinda.
hghclsswhitetrsh
02-21-2016, 22:29
Gets great gas mileage, 25-27 miles per gallon around town. Haha.
HoneyBadger
02-21-2016, 22:33
F*** these night shifts...
hurley842002
02-21-2016, 22:40
F*** these night shifts...
I hate nights!
Gets great gas mileage, 25-27 miles per gallon around town. Haha.
Really? That's pretty impressive, especially with how it sounds.
Hey Irving,
Did you buy a truck or are they letting you work with your car for now?
I borrowed my parent's Envoy for now. Toss up between a Liberty diesel with a tune, or a Honda Element. If the weather holds and there is enough work to keep me as busy as I will be tomorrow, I could have the money in about two months.
Great-Kazoo
02-21-2016, 23:04
I borrowed my parent's Envoy for now. Toss up between a Liberty diesel with a tune, or a Honda Element. If the weather holds and there is enough work to keep me as busy as I will be tomorrow, I could have the money in about two months.
Get the element. MPG isn't that great, average same as truck. More interior space then the liberty.
hghclsswhitetrsh
02-21-2016, 23:05
Really? That's pretty impressive, especially with how it sounds.
No. That's a lie. It gets like 5-7.
Get the element. MPG isn't that great, average same as truck. More interior space then the liberty.
The idea struck me to get an Element at about 3:00am this morning. A tuned Liberty diesel would get better mileage, and actually be off-road capable, but since I'd really only be buying it because I was forced to, the off-road part doesn't really matter to me.
I always liked Elements, and realized this morning that it'd actually be a pretty great family vehicle and commuter (except for the mileage), and they can be had for about the same as a Liberty.
No. That's a lie. It gets like 5-7.
Haha, that makes more sense. I only vaguely remember you talking about this truck. Is it new? Is it something you just finished? What's the deal again?
The idea struck me to get an Element at about 3:00am this morning. A tuned Liberty diesel would get better mileage, and actually be off-road capable, but since I'd really only be buying it because I was forced to, the off-road part doesn't really matter to me.
I always liked Elements, and realized this morning that it'd actually be a pretty great family vehicle and commuter (except for the mileage), and they can be had for about the same as a Liberty.
Haha, that makes more sense. I only vaguely remember you talking about this truck. Is it new? Is it something you just finished? What's the deal again?
Wife has had an element for the past ten years. It's been a fantastic car. Sucks if you have little ones that you need to put in a car seat in the back. The back seat sits back so far you have to get up in there. But there's a huge amount of space in the back when you fold the seats up. Also the rear doors suck in general in tight parking spots. It's a bit light so even with awd I have to baby it in snow. Otherwise it's been great. Kept up on all the maintenance. Still on the original clutch at 175k miles. Mpg is in the high 20s on the highway. If we drive slower we can get better than 30. I've had it on some forest roads where the subarus couldn't make it. Not an off road vehicle but it will get you to decent camp sites. We'll probably keep it for a long time.
hghclsswhitetrsh
02-21-2016, 23:32
I bought it almost a year ago. It's about 95% complete. I'm planning on pulling the nitrous this year, disc brake conversion, possibly putting the bench seat back in and start saving $$$ for a full color change.
Pulling the nos will make you lose pts off of your man card.
hghclsswhitetrsh
02-21-2016, 23:54
Hypothetically.
Wife has had an element for the past ten years. It's been a fantastic car. Sucks if you have little ones that you need to put in a car seat in the back. The back seat sits back so far you have to get up in there. But there's a huge amount of space in the back when you fold the seats up. Also the rear doors suck in general in tight parking spots. It's a bit light so even with awd I have to baby it in snow. Otherwise it's been great. Kept up on all the maintenance. Still on the original clutch at 175k miles. Mpg is in the high 20s on the highway. If we drive slower we can get better than 30. I've had it on some forest roads where the subarus couldn't make it. Not an off road vehicle but it will get you to decent camp sites. We'll probably keep it for a long time.
Thanks. Have you done the timing belt yet?
HoneyBadger
02-22-2016, 00:27
Hey Donkey.
Can't set up this wireless printer. Really pissing me off.
Great-Kazoo
02-22-2016, 01:16
Can't set up this wireless printer. Really pissing me off.
For a guy who climbs roofs like a cat. Your mechanical skilz seem to be light.
Looked at the Amazon reviews in store and it looked good enough. Got home and looked again and 60% of the reviews are 1 star.
I liked the HP Deskjet Mobile 100 that the insurance company gave me. It was small and extremely simple and worked all the time. Turns out it is also $199.99. Seems like a big expense for something I'll hardly every use, but I may have to do it. In the same boat, wife is letting me borrow her ultra tough camera; but the thing only has optical zoom. Going to end up dropping the coin for a decent camera as well. Sooner rather than later.
HoneyBadger
02-22-2016, 02:56
Yes?
Night shifts suck
HoneyBadger
02-22-2016, 03:01
I got an officejet printer from Costco for less than $200 about 5 years ago and it still works great. It's got wireless, it prints double-sided, scans, and copies. (from memory, I think it was an OfficeJet 6700 or something along those lines.)
HoneyBadger
02-22-2016, 03:01
For a guy who climbs roofs like a cat. Your mechanical skilz seem to be light.
He's burned himself out on the Amigo.
HoneyBadger
02-22-2016, 05:07
It's almost time to get up for some of you hos!
HoneyBadger
02-22-2016, 05:07
And I still have 4 more hours before I can go to sleep.
HoneyBadger
02-22-2016, 05:15
Oh boy! Some work is coming my way! Yay!!!
How's the grave yard treating you bro, sucks don't it.
How's have you been bro-ho! How's the little badgers doing?
I got an officejet printer from Costco for less than $200 about 5 years ago and it still works great. It's got wireless, it prints double-sided, scans, and copies. (from memory, I think it was an OfficeJet 6700 or something along those lines.)
Is it something you'd be able to run 100% out of your car?
Great-Kazoo
02-22-2016, 08:47
Is it something you'd be able to run 100% out of your car?
guy that did an estimate for us had one of these, instead of a printer
Not sure what model or make it was
http://www.amazon.com/Vupoint-Solutions-Portable-Auto-Feed-PDSDK-ST470-VP/dp/B00I48M9PE/ref=sr_1_21?s=office-electronics&ie=UTF8&qid=1456152350&sr=1-21&keywords=portable+scanner
Did his thing print as well?
Ordered. Arrives tomorrow.
http://www.amazon.com/HP-Officejet-Wireless-CN551A-B1H/dp/B004TGHIS8/ref=sr_1_1?ie=UTF8&qid=1456156612&sr=8-1&keywords=hp+mobile+100+printer
Great-Kazoo
02-22-2016, 10:02
Did his thing print as well?
Yes. he took usb from scanner to printer or pc @ home. Then e-mails or printed as needed.
Son ditched his friends and wanted to go shooting instead. Grabbed the AR and 10/22 and a glock. 10/22 BX and but creek mags just jamed left and right. Neet to fix somehow. Tried to verify zero on AR but son decided to shoot at zero target, doh. Best guess is 1.5" to the right at 100. Wind was a beast so left as is. Then moved to the plates at 250, 350, 400 and 500. Off sandbags when the wind died down could nail them consistently. Told son the holdovers and he nailed the 400 plate a couple of times, much improvement. Glock for fun, he needs more work there. Met a club member and ran his 9mm SW revolver. Son enjoyed that gun.
Need moar ammo now. Cople of guns to resight in and minor fixing.
What a nice Saturday.[emoji477]
HoneyBadger
02-22-2016, 13:55
How's the grave yard treating you bro, sucks don't it.
Yeah, sucks. The real problem is that I can never make up the lost sleep. I end up getting between 3-5 hours of sleep after a shift and that just isn't enough for me to function properly.
HoneyBadger
02-22-2016, 13:59
How's have you been bro-ho! How's the little badgers doing?
Little HoneyBadgers are doing well. HB Jr turns 3 in about a month and the little lady is 6 months old this week. HB Jr is starting to ask complicated questions and is getting really good at solving problems, but he is pretty shy around others. I'd like to get him out more to socialize with other kids, but most of the time when we go to a local park, none of the other kids speak English and they all ignore him. I can't wait to move somewhere else.
HoneyBadger
02-22-2016, 14:02
Is it something you'd be able to run 100% out of your car?
I suppose so, (with an inverter of course), but it is probably a lot bigger than you'd like.
Edit: nevermind.
You should move to Colorado, hardly any of the kids (70%) in my daughter's class speak Spanish.
HoneyBadger
02-22-2016, 15:24
You should move to Colorado, hardly any of the kids (70%) in my daughter's class speak Spanish.
Ha! It's a shame because he wants to play with them, but they don't want to play with the only white kid around. :(
HoneyBadger
02-22-2016, 18:57
[Wave]
The wind ahead of this storm is really picking up.
buffalobo
02-22-2016, 19:10
Okay Lobo, I'm a wavin'.
Waving back. Where did you turn west off 76?
Sent from my SCH-I545 using Tapatalk
Do your wives say nice things to you guys when you come home from work? When I came in the door today, my wife said, "You look like Tom Hanks with A.I.D.S."
Gee thanks honey. Nice to see you too.
hurley842002
02-22-2016, 21:15
Do your wives say nice things to you guys when you come home from work? When I came in the door today, my wife said, "You look like Tom Hanks with A.I.D.S."
Gee thanks honey. Nice to see you too.
Your wife speaks to you when you walk in the door? That's awesome! At least my boys run up to me looking for love...
Great-Kazoo
02-22-2016, 21:15
Do your wives say nice things to you guys when you come home from work? When I came in the door today, my wife said, "You look like Tom Hanks with A.I.D.S."
Gee thanks honey. Nice to see you too.
At least she acknowledged you, this time. How's day one with pay been.
Great-Kazoo
02-22-2016, 21:16
Waving back. Where did you turn west off 76?
Sent from my SCH-I545 using Tapatalk
WELL??
Day one went okay. I managed to use an entire tank of gas, but that shouldn't be the norm. North Thornton, to Parker, to Denver, to Fort Morgan, then back home.
Dang some members can't read or comprehend. Laziness or stupidity?.....
Good luck on the new job, Stu!
Great-Kazoo
02-22-2016, 22:10
Dang some members can't read or comprehend. Laziness or stupidity?.....
Missed that post.
You get that reloading issue figured out? Or decide to cook something instead;)
buffalobo
02-22-2016, 22:13
WELL??
We probably passed each other on 76.
I turn east at Hwy 52.
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buffalobo
02-22-2016, 22:17
Your wife speaks to you when you walk in the door? That's awesome! At least my boys run up to me looking for love...
In my case the dog welcomes me home. If dog doesn't bark, I sneak up on her.
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Great-Kazoo
02-22-2016, 22:19
We probably passed each other on 76.
I turn east at Hwy 52.
Sent from my SCH-I545 using Tapatalk
PACKAGE?? it show up today??
Your wife speaks to you when you walk in the door? That's awesome! At least my boys run up to me looking for love...
I think she was trying to ignore me, but my cancer look must have gotten her attention and distracted her from the Kardashians.
hurley842002
02-22-2016, 22:23
I think she was trying to ignore me, but my cancer look must have gotten her attention and distracted her from the Kardashians.
LMAO!
Missed that post.
You get that reloading issue figured out? Or decide to cook something instead;)
Trying another load w/o crimp. Load up a few rounds in the mag, shoot, and check COAL in the remaining rounds in mag. If they don't change, no crimp needed. As for the cooking, gonna try to lightly smoke some pork roast and make some green chili with it.
buffalobo
02-22-2016, 22:27
PACKAGE?? it show up today??
Hell yea, assembled even. Hamid strikes again.
And feed back left.
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hghclsswhitetrsh
02-22-2016, 22:43
You're all hoe bags.
buffalobo
02-22-2016, 22:46
You're all hoe bags.
Thanks, it's nice to be appreciated.
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hghclsswhitetrsh
02-22-2016, 22:50
Lobo what's happening way out yonder?
Great-Kazoo
02-22-2016, 22:55
You're all hoe bags.
Schweaty bags no less. Embrace the Dew
Is it even snowing up North? I'm hoping my Fort Collins doesn't get canceled tomorrow.
buffalobo
02-22-2016, 23:04
Lobo what's happening way out yonder?
Long hours getting the new shop up and running.
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hghclsswhitetrsh
02-22-2016, 23:08
Where's the new shop?
Little HoneyBadgers are doing well. HB Jr turns 3 in about a month and the little lady is 6 months old this week. HB Jr is starting to ask complicated questions and is getting really good at solving problems, but he is pretty shy around others. I'd like to get him out more to socialize with other kids, but most of the time when we go to a local park, none of the other kids speak English and they all ignore him. I can't wait to move somewhere else.
Damn man has it been that long since you been trapped behind kommiefornia lines?
Great-Kazoo
02-23-2016, 03:59
Is it even snowing up North? I'm hoping my Fort Collins doesn't get canceled tomorrow.
Not across the tracks, it isn't.
Great-Kazoo
02-23-2016, 04:16
, Yeah, Fairies wear Boots ya gotta believe.
buffalobo
02-23-2016, 06:28
Where's the new shop?
Couple blocks south of Evans on Platte River Dr. If in hood, hit me up and stop by.
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That's a hell of a commute.
hghclsswhitetrsh
02-23-2016, 08:41
Couple blocks south of Evans on Platte River Dr. If in hood, hit me up and stop by.
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Will do, however I do my best to avoid that area. Hah.
We had a shop off of Mississippi and Santa Fe. Always had vagrants popping on the premises behind bushes and etc.
HoneyBadger
02-23-2016, 16:38
Do your wives say nice things to you guys when you come home from work? When I came in the door today, my wife said, "You look like Tom Hanks with A.I.D.S."
Gee thanks honey. Nice to see you too.
After telling her 100 times not to ask me about work, she still asks me about work. I tell her the same thing every time. I know she's just trying to be supportive.
HoneyBadger
02-23-2016, 16:39
Mrs. HB doesn't ever comment on my appearance because she knows how fragile my ego is. This is my safe space.
After telling her 100 times not to ask me about work, she still asks me about work. I tell her the same thing every time. I know she's just trying to be supportive.
Same here. "Tell me about your roof today."
"Well, it was a roof, pretty much the same as all the others."
"I'm just curious!"
"Okay, I love you."
HoneyBadger
02-23-2016, 18:03
Damn man has it been that long since you been trapped behind kommiefornia lines?
Been here since June. :(
HoneyBadger
02-23-2016, 18:19
The bright side of it is that I've been here since June! That means I'm --> <-- that much closer to moving out of this awful place!
HoneyBadger
02-23-2016, 18:29
Man, people are being awfully whiny on here lately. I guess the "high post count club" should stop bullying people for saying stupid things.
High post count only means one thing......
They type too much...or they have been here a loooooooooooooooooong time.[dig]
Great-Kazoo
02-23-2016, 18:59
Man, people are being awfully whiny on here lately. I guess the "high post count club" should stop bullying people for saying stupid things.
Maybe they should try some gold bond around their anus if they're that chaffed.
NAW................. they'd be mistaken for a clown.
Great-Kazoo
02-23-2016, 19:00
High post count only means one thing......
They type too much...or they have been here a loooooooooooooooooong time.[dig]
OR Retired.
Some did work for a living. Didn't save anything, still worked for the money we earned.
Great-Kazoo
02-23-2016, 19:01
High post count only means one thing......
They type too much...or they have been here a loooooooooooooooooong time.[dig]
OR.............. they're insomniacs
Great-Kazoo
02-23-2016, 19:01
Or.........Vampires.
Great-Kazoo
02-23-2016, 19:02
OR........................... know how to game the system. Like, post everywhere.
Everywhere and nowhere and nightly and daily....
Great-Kazoo
02-23-2016, 19:10
Everywhere and nowhere and nightly and daily....
Twin 45's blazing in the night.
Man, people are being awfully whiny on here lately. I guess the "high post count club" should stop bullying people for saying stupid things.
I think he's actually correct, at least in that one post. I know I've contributed to the whining too though, so have been avoiding certain threads.
High post count only means one thing......
They type too much...or they have been here a loooooooooooooooooong time.[dig]
Posters are growing their post counts by following this one weird trick that moderators DON'T want you to know about!
Thanks. Have you done the timing belt yet?
If I recall correctly, our element is one of the Hondas that has a timing chain. I'll try to remember to check the service manual to confirm this.
SideShow Bob
02-23-2016, 20:20
, Yeah, Fairies wear Boots ya gotta believe.
Having a flash back there Kazoo ?
Or did you re-discover your 8-tracks in the garage again ?
Got the itch to possibly build a 6.5 Grendel upper or a Creedmoore AR-10. Hmmmmm
Having a flash back there Kazoo ?
Or did you re-discover your 8-tracks in the garage again ?
It's the last stage of Paranoid. [Coffee]
Just emailed 38 emails from my phone to my work email, then renamed and forwarded those 38 emails to another department at work. I'm going to get bitched at tomorrow I bet.
It was so tedious that I fell asleep in the middle of it.
SideShow Bob
02-23-2016, 20:36
It's the last stage of Paranoid. [Coffee]
I see see what you did there..........[ROFL1]
I see see what you did there..........[ROFL1]
[Beer]
Great-Kazoo
02-23-2016, 22:00
It's the last stage of Paranoid. [Coffee]
People think I'm Insane
Great-Kazoo
02-23-2016, 22:01
I think he's actually correct, at least in that one post. I know I've contributed to the whining too though, so have been avoiding certain threads.
OH PHlueze you want to be some weak kneed sissy boy. Go right ahead and walk around those dangerous roofs. I'll stay here and watch.
Great-Kazoo
02-23-2016, 22:02
Got the itch to possibly build a 6.5 Grendel upper or a Creedmoore AR-10. Hmmmmm
Those uppers in the trading post look interesting.
HoneyBadger
02-23-2016, 22:32
I think he's actually correct, at least in that one post. I know I've contributed to the whining too though, so have been avoiding certain threads.
You think he's correct that all criminals deserve to die? [facepalm]
HoneyBadger
02-23-2016, 22:32
Posters are growing their post counts by following this one weird trick that moderators DON'T want you to know about!
I don't get it... Where is the clickbait link?
Great-Kazoo
02-23-2016, 22:48
yessir
Unfortunately i'm in a quandary. If i'm patient i can have a RPR (308) by end of march. In the mean time i decided to dust off another gem from storage ( first offering of this model 700 LTR) and do some mods to the stock chassis (H-S Precision) already pillar bedded , floated stock.
ANYWAY i buy the magpul hunter detachable mag & housing, pull the stock BM from the 700, fit the magpul (remove material here & there) to it.
64159 6416064161
Now it looks like this
641626416364164
AFTER DOING THAT WORK i stumble on this deal
http://www.xlrindustries.com/publishImages/Element-chassis%7E%7Eelement37.jpg
Then i dig a few of these out of another storage bin
64165
THEN That 6x rifle gets posted [facepalm] Whats a high post count useless dickhead to do . Oh the first world problems.
Great-Kazoo
02-23-2016, 22:49
I don't get it... Where is the clickbait link?
Too late. By quoting the jackass post. You've just downloaded intimidating, bullyish software to your device.
Great-Kazoo
02-23-2016, 22:50
I don't get it... Where is the clickbait link?
See what happens when you aren't part of a clique. You're so L7
You think he's correct that all criminals deserve to die? [facepalm]
No, I think he's right that when he says the slightest thing that can be twisted out of context, people always do, and then start a fight about it. If almost any other member said the same thing, it would have been interpreted more leniently and been followed by a bunch of +1's.
I see that happen with him all the time. I want part of those big arguments before so I don't remember what he said to have everyone be twisted at him for so long.
HoneyBadger
02-23-2016, 23:07
See what happens when you aren't part of a clique. You're so L7
[Cry]
Great-Kazoo
02-23-2016, 23:08
No, I think he's right that when he says the slightest thing that can be twisted out of context, people always do, and then start a fight about it. If almost any other member said the same thing, it would have been interpreted more leniently and been followed by a bunch of +1's.
I see that happen with him all the time. I want part of those big arguments before so I don't remember what he said to have everyone be twisted at him for so long.
Unless you want this long running thread to get locked, I suggest you let it go. Start a thread in GD. This is the fun, relaxing, investment forum.
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