Recent content by npaden
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March Madness 2025 General Chat
Very surprised to be in contention after the first 2 rounds are over. Of course having the hometown team winning it all leaves me pretty much on an island from here out. Unless Arkansas wins it all, I don't think anyone has that picked. Lack of top seeds being upset is what kept my bracket as...- npaden
- Post #86
- Forum: Sports Fans - Teams, Tourneys, Races, and Games
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Roth vs. Trad IRA Benefits - even from converting LATE?! (like 70 y/o late)
This is something that can easily be overlooked even for people that don't have a lot of money in retirement accounts. My wife's mother passed away and we had been helping her financially for the last several years. My wife was helping her with her finances and just told me that she had some...- npaden
- Post #9
- Forum: Money and Finances
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Roth vs. Trad IRA Benefits - even from converting LATE?! (like 70 y/o late)
It is very common for people as they hit retirement to do Roth conversions. It's almost all about the tax rate. Use the tax brackets to your advantage. So many people miss out on having income taxed at low tax rates. One of my co-workers husband is a farmer and they had a terrible year...- npaden
- Post #2
- Forum: Money and Finances
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Corner crossing the 10th ruling
Reading through the judgment that was linked above they pretty much said it was okay in 2020 when the hunters said that they grabbed the T Posts and swung around to stay off the ground since the T Posts were interfering with their ability to jump over at the true corner. I think it is going to...- npaden
- Post #27
- Forum: Sportsmen Issues
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Other Big Game .... Let's see them!!!
I have a few. Alaska Bison: Africa:- npaden
- Post #18
- Forum: Other Big Game
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Who's ready for a story.......
Thanks for sharing and congratulations!- npaden
- Post #55
- Forum: Other Big Game
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Social security by the numbers
Again, argue that employers should be contributing more into 401k plans. Argue that employers should not require as much of a match. Argue that at termination employees are required to put any 401k amounts into an IRA and can't spend it on a boat. I agree with a lot of what you guys are...- npaden
- Post #299
- Forum: Fireside (A Place for Friends)
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Social security by the numbers
I guess I chose a poor analogy. I said "big lump" not "lump sum". I am saying that if I got to invest the money myself I feel than I could do better than the pension plan that is managing the investments for the entire workforce at the same time (hence the "big lump"). I'm saying that during...- npaden
- Post #295
- Forum: Fireside (A Place for Friends)
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Social security by the numbers
I quoted your post to point out a factual error. I didn't know what your main point was. If the main point was that 401k plans shift risk to the employee also note that they shift the reward to the employee as well. Risk = Reward. I would much rather take the money and invest it myself than...- npaden
- Post #286
- Forum: Fireside (A Place for Friends)
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ATV performance at elevation
Putzing around you won't even notice. Full throttle you will bog down. I have a 450 Yamaha Grizzly and it starts cutting out at full throttle above 8,000'. I live at 3,000'. I haven't ever rejetted it,I just put it in low range and go slower when I get at the higher elevation.- npaden
- Post #7
- Forum: Hunting Rigs - Truck Talk
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Social security by the numbers
Again, this is not true. There are 401k plans out there that do not require any employee contributions. How is that forcing the employee to fund their retirement? I'm trying to point out that the investment vehicle is not the issue here. Nearly every argument against 401k plans that have...- npaden
- Post #282
- Forum: Fireside (A Place for Friends)
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Social security by the numbers
What you are describing as a negative against 401k's is illegal. And there has been significantly increased reporting requirements to fully disclose all plan expenses even investment fees. I'm sure there are employers out there doing things they shouldn't but I think they are very few and far...- npaden
- Post #278
- Forum: Fireside (A Place for Friends)
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ATV performance at elevation
If you are going to be moving up and down significant elevation you should get a machine with fuel injection. Unless you want to change the jetting on your carb that is. Quick glance makes it sound like your machine is fuel injected so you should be good to go. You might notice a slightly...- npaden
- Post #2
- Forum: Hunting Rigs - Truck Talk
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Social security by the numbers
Just glancing through a few financial statements I would say that the administrative costs on the defined benefit plan I audit is pushing 8 times what the administrative costs are of a similar sized plan. The expected rate of return on plan assets for the defined benefit plan based on the last...- npaden
- Post #262
- Forum: Fireside (A Place for Friends)
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Social security by the numbers
They have these things called target date funds. You select the fund based on your anticipated retirement date and that’s it. The rest is taken care of. I would guess 80% of the employees of the 401k audits we do select those as their investment choice. It takes the management out of it...- npaden
- Post #252
- Forum: Fireside (A Place for Friends)
