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  1. npaden

    Evaluate the ROI on Education

    I wouldn't have put teachers in that list? Of course we all know that Google knows everything. (And being a millionaire is a pretty low bar now according the the HuntTalk poll from a year or so ago).
  2. npaden

    Evaluate the ROI on Education

    Some of the trade school costs are pretty expensive. Welding, Diesel Mechanic, etc. For sure not "free". Agree that the $156,000 for 4 years of college at a state school is high. Around here you could go to a 2 year associates type college for a very reasonable cost that tracks directly with...
  3. npaden

    March Madness 2025 General Chat

    Insane crazy but I’ll take it.
  4. npaden

    Don't let an accident become a tragedy

    When you hear the statistics about hunting accidents it doesn't sound like it happens very often. When you talk to people who are actively involved in hunting it seems like nearly everyone has someone that they personally know/knew that has been involved with an accident/tragedy. When I was...
  5. npaden

    Which of the big 3 in Colorado to keep going after?

    The $101.54 Adult Nonresident Small Game license is a bit of a jump over the $1.50 Youth Nonresident Small Game license to apply. I've been spending the $188.86 on an Adult Nonresident Turkey license but haven't been having much luck at Turkey so not sure he needs to be getting a Turkey license...
  6. npaden

    Which of the big 3 in Colorado to keep going after?

    Not really. Several states have youth opportunities for cow elk and he never was interested in that. Female mountain goat is close enough to a male he might be interested in that.
  7. npaden

    Which of the big 3 in Colorado to keep going after?

    I had forgot about just applying without buying the extra point. That might be the way to go. I might let him pick 1 species for me to buy him a point as a gift. He has 6 points for everything right now. That gets him a tiny chance at the big 3. Just $9 per chance if you don't buy the point.
  8. npaden

    Which of the big 3 in Colorado to keep going after?

    Well, my son has just turned 18 so we are having to have some serious discussions about which states and species he wants to keep applying for. Points for the big 3 in Colorado is going up to $100 each from the $0 we have been paying. I've been applying for him in pretty much every Western...
  9. npaden

    Colorado deer suggestions?

    I'm sitting on 13 points and still chasing the early rifle tag I thought I was going to draw about 6 years ago.
  10. npaden

    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...
  11. npaden

    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...
  12. npaden

    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...
  13. npaden

    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...
  14. npaden

    Other Big Game .... Let's see them!!!

    I have a few. Alaska Bison: Africa:
  15. npaden

    Who's ready for a story.......

    Thanks for sharing and congratulations!
  16. npaden

    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...
  17. npaden

    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...
  18. npaden

    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...
  19. npaden

    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.
  20. npaden

    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...
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