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  • nhbubba's Avatar
    Yesterday, 01:35 PM
    nhbubba replied to a thread For Sale - Motorcycles | 2011 DL650 in For Sale
    The lack of sale here perplexes me too. I'm half considering buying it back, slapping TKC's on it and calling it a "dual sport", ride it through...
    34 replies | 2359 view(s)
  • nhbubba's Avatar
    Yesterday, 01:05 PM
    nhbubba replied to a thread educate me 401-k in Off-Topic
    Or pick up my feet when I walk. One of the two.
    1351 replies | 79899 view(s)
  • nhbubba's Avatar
    Yesterday, 12:38 PM
    nhbubba replied to a thread educate me 401-k in Off-Topic
    That's another thing. At least when I fuck something up I know exactly who to blame. Downside is I know where every. last. fuckup is. Tile, 1/8"...
    1351 replies | 79899 view(s)
  • nhbubba's Avatar
    Yesterday, 12:11 PM
    nhbubba replied to a thread educate me 401-k in Off-Topic
    For myself I find it comes and goes. Early on I also burned myself out doing projects. I then went cold-ish turkey and invested all my attention into...
    1351 replies | 79899 view(s)
  • nhbubba's Avatar
    Yesterday, 10:11 AM
    nhbubba replied to a thread educate me 401-k in Off-Topic
    Yeah. It involves picking an argument about something financial with me...
    1351 replies | 79899 view(s)
  • nhbubba's Avatar
    Yesterday, 09:32 AM
    nhbubba replied to a thread educate me 401-k in Off-Topic
    No mention of the sunk cost of renting. You have to live somewhere! That has a cost. I'm baffled that there is argument for owning real-estate to...
    1351 replies | 79899 view(s)
  • nhbubba's Avatar
    Yesterday, 09:26 AM
    nhbubba replied to a thread educate me 401-k in Off-Topic
    It occurs to me that my 'net cost to live' figure is bullshit. I think a better way to look about it is gross costs, gross assets. --- Year 1 ---...
    1351 replies | 79899 view(s)
  • nhbubba's Avatar
    Yesterday, 08:03 AM
    nhbubba replied to a thread educate me 401-k in Off-Topic
    I tried to account for the $44k downpayment + closing by giving the renter that "income" to offset their rent each year. My first post in this series...
    1351 replies | 79899 view(s)
  • nhbubba's Avatar
    Yesterday, 07:58 AM
    nhbubba replied to a thread educate me 401-k in Off-Topic
    Great. What's a reasonable rent for a ~3 bedroom, 2 bath ~2k sqft single-family on its own >1 acre lot? I can't find much in my area. I'm trying...
    1351 replies | 79899 view(s)
  • nhbubba's Avatar
    Yesterday, 07:56 AM
    nhbubba replied to a thread educate me 401-k in Off-Topic
    30 years later: Home-owner's value is just shy of $800k. Upkeep is up to $16k/yr. Taxes up to $28k/yr. Loan is paid for; $0/yr interest. Gross...
    1351 replies | 79899 view(s)
  • nhbubba's Avatar
    Yesterday, 07:41 AM
    nhbubba replied to a thread educate me 401-k in Off-Topic
    IMO the biggest argument in favor is stability. Advance to year 7: Home-owners' value is up to $451,700. Upkeep and taxes are also up to $9,034...
    1351 replies | 79899 view(s)
  • nhbubba's Avatar
    Yesterday, 07:28 AM
    Collision is $106/yr with a $500 deductible on my harley. Figure ACV of $12k. Would take me 7 years to save enough to be self insured @ that rate?! I...
    37 replies | 585 view(s)
  • nhbubba's Avatar
    Yesterday, 07:12 AM
    nhbubba replied to a thread educate me 401-k in Off-Topic
    Sumbudy check my math. I know nothing of Boston home buying. So lets use my local market as an example. A decent single family home on its own...
    1351 replies | 79899 view(s)
  • nhbubba's Avatar
    04-24-19, 07:04 PM
    nhbubba replied to a thread educate me 401-k in Off-Topic
    Except you are ignoring the cost of paying for a place to live. Ie “rent” in your scenario 1.
    1351 replies | 79899 view(s)
  • nhbubba's Avatar
    04-24-19, 10:44 AM
    nhbubba replied to a thread Wanted - Other | Wtb race practice in Wanted
    Sigh. Motard racers.. :wub:
    12 replies | 223 view(s)
  • nhbubba's Avatar
    04-24-19, 07:47 AM
    nhbubba replied to a thread educate me 401-k in Off-Topic
    I disagree that a home is a financial liability. As the saying goes, they aren't making any more land. Sure, the home & structures on it may...
    1351 replies | 79899 view(s)
  • nhbubba's Avatar
    04-24-19, 07:41 AM
    nhbubba replied to a thread educate me 401-k in Off-Topic
    That is fucking brain-dead. My credit union will do an eighty-fucking-four month for 4.69% right now. Good ol' 60 mo is <3.5%. How does anyone get...
    1351 replies | 79899 view(s)
  • nhbubba's Avatar
    04-23-19, 02:40 PM
    nhbubba replied to a thread educate me 401-k in Off-Topic
    I suppose we really should ask randy how the survey business is. That’s the only real predictor.
    1351 replies | 79899 view(s)
  • nhbubba's Avatar
    04-23-19, 01:49 PM
    nhbubba replied to a thread educate me 401-k in Off-Topic
    Let's say the end is near. Whatchugunnadoboutit?! Hold more cash I guess, right? Be ready to buy moar. Debt is good right now, I suppose. Buy...
    1351 replies | 79899 view(s)
  • nhbubba's Avatar
    04-23-19, 01:07 PM
    nhbubba replied to a thread educate me 401-k in Off-Topic
    I honestly have no idea. I've upped my cash hold a little because I agree; how the hell can this party keep rolling? Yet I keep feeling dumb for...
    1351 replies | 79899 view(s)
  • nhbubba's Avatar
    04-23-19, 10:43 AM
    I keep getting suckered into carrying collision on stuff that I know better about. I think they were charging me like $50/yr for collision on the...
    37 replies | 585 view(s)
  • nhbubba's Avatar
    04-23-19, 10:38 AM
    nhbubba replied to a thread educate me 401-k in Off-Topic
    Interesting stuff : State taxes for FIRE (updated for 2018) : financialindependence Yo Ig: You still eying that vacation / retirement spot in...
    1351 replies | 79899 view(s)
  • nhbubba's Avatar
    04-23-19, 08:59 AM
    Every truck I've ever owned has been hit in parking lots. I had a crease in the fender of my first ranger and my silverado for most of the time I...
    37 replies | 585 view(s)
  • nhbubba's Avatar
    04-23-19, 04:50 AM
    nhbubba replied to a thread Balance Bikes in General Bike Related
    I approve of the color. Needs a 782 sticker..
    30 replies | 702 view(s)
  • nhbubba's Avatar
    04-22-19, 10:18 AM
    nhbubba replied to a thread Is a ridgeline a pickup? in Off-Topic
    Hey Kurlon.. does your Jeep have LATCH kid-seat anchors? This weekend we confirmed that late model TJ's do not. :sad2:
    1117 replies | 64301 view(s)
  • nhbubba's Avatar
    04-22-19, 10:06 AM
    nhbubba replied to a thread new laptop for gift in Off-Topic
    What's the litmus here? How much is the "cheapest" and to be avoided nowadays? I'm seeing $4-600 thrown around here. Do we avoid anything below...
    16 replies | 556 view(s)
  • nhbubba's Avatar
    04-22-19, 08:45 AM
    nhbubba replied to a thread Is a ridgeline a pickup? in Off-Topic
    Then don't buy one.
    1117 replies | 64301 view(s)
  • nhbubba's Avatar
    04-22-19, 07:59 AM
    nhbubba replied to a thread new laptop for gift in Off-Topic
    Can I piggyback here?! My wife wanted a laptop. She pretty much only uses google apps, has a google phone, etc. She's had a chromebook in the past...
    16 replies | 556 view(s)
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