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  1. 406dn

    Tariffs

    Also, a big reason behind these tariffs, is to extend and make permanent the tax cuts from his first term. Tump has been very skillful in talking to the working class, while he takes care of the class he is in.
  2. 406dn

    Tariffs

    What most concerns me, between the tariffs, and the obvious desire to get out of NATO, is that we will be seen as not trustworthy. Countries will rethink what their best interest is. Presently, in Canada, they are making plans to have closer ties with Europe and the Pacific rim. For generations...
  3. 406dn

    Tariffs

    While the tax is on us, the lost business due to depressed demand is on them. This is likely to escalate in ways difficult to see presently.
  4. 406dn

    Tariffs

    Regarding propane, the overwhelming percentage of it is produced at every oil refinery in the world. It is, more or less, a by product of making everything else in a refinery. Everything lighter than propane is used as refinery fuel. Everything heavier, goes into gasoline, diesel, etc. Since...
  5. 406dn

    This is why Bozeman is kind of annoying.

    Different strokes for different folks. I have had an unusual hobby for a long time. There are very few people who run pointing dogs, handled from horseback, and compete in field trials. There are, at most, fewer than a dozen people in the state that do it. So, I suspect my hobby is more...
  6. 406dn

    Social security by the numbers

    The flip side is, if you cut it that close, your kids might have to support you in your old age. There are plusses and minuses, however a person plays it.
  7. 406dn

    NR Upland Seasons (LC3901)

    I am keeping my fingers crossed that this bill becomes law. I am a little anxious that lobbying at the last hour, kills the bill. During the last session the bill to limit how long a non resident license was valid, came close to passing, until a late push from business interests in NE Montana...
  8. 406dn

    Social security by the numbers

    Yep, and their huge balances skew the average balance tremendously. The median balance is far more representative of how adequate the program is. Most people can't swing a $23k annual contribution to a 401k. The plan works GREAT for the top earners, it is the bottom...maybe 70% where it comes...
  9. 406dn

    Social security by the numbers

    I got it. For every one who beats the market, there is one who doesn't. In reality it is not easy to beat the market. Back in my working days, I was the Union chairman for wage employees, at the refinery, where I worked. A refinery in the same valley, terminated their defined benefit pension...
  10. 406dn

    Social security by the numbers

    You quote my post then don't address the main point. 401k plans shift the risk to the employee. The vast majority of 401k plans DO require an employee contribution. Companies CAN and DO suspend their match, at their discretion. As I posted earlier, 401k were not an idea coming from employees...
  11. 406dn

    recession?

    imo, there is a lot to like about a parliamentary form of government. Our constitution selects for stalemate fairly often. That and one house of Congress is wildly unrepresentative. It gives disproportionate power to rural states.
  12. 406dn

    Social security by the numbers

    401k plans are certainly not a miracle that will solve all of the retirement woes either. There main advantage, from an employer's viewpoint, is the risk is transferred to the employee. Oh, and it forces the employee to partially fund their retirement. Many defined pensions are entirely funded...
  13. 406dn

    Social security by the numbers

    Quite a few employers will let you take your pension as a one time lump sum payment. That is then rolled over into an IRA account. So, with some number of private employers, you can pass down your heirs, any left over money, from the pension. The first few years after you pull the plug are...
  14. 406dn

    Social security by the numbers

    Another aspect of relying on a 401k plan for retirement, is that your hoped for and planned retirement date is very much at the whims of what the market is doing. I long planned to retire at age 60. That was the plan for many many years. That meant that I would have retired in 2011. Everything...
  15. 406dn

    recession?

    Yes, we did, but so did a good number of others. I'm too old to contemplate moving, but a short list of countries that I would have been fine with having born there... Norway Canada New Zealand Finland Sweden Australia Those might be the order of preference. There are not many places in the...
  16. 406dn

    NR Upland Seasons (LC3901)

    For a good long time, non resident dog trainers could come and train their dogs, with no license or meaningful rules. Maybe a couple of years ago, if you trained outside of hunting seasons, you needed a license resident or non resident, and some off limits dates set. The rules were different...
  17. 406dn

    NR Upland Seasons (LC3901)

    I am a horseback pointing field trialer. I have never had a large string of dogs. The overwhelming percentage of horseback trialers hunt little, if at all. The birds are worth more to them for training, than hunting. There was a time, when I was much younger, when I'd kill a hundred birds a...
  18. 406dn

    Social security by the numbers

    I am in a fortunate situation in that my employer offered a defined benefit pension and a savings plan, with a 401k option. So, I have both, side by side. The 401k requires both discipline and some investing savvy during your working years, to make it equal to a defined benefit pension. With...
  19. 406dn

    recession?

    Cherry picked would be more accurate, since we are talking fruit.
  20. 406dn

    recession?

    What you DID NOT do, is show the market a few months ahead of when each became president. The market began tanking in September of 08. The monthly job losses were large. Yes the decline continued the first couple of months in Obama's terms. Then for the remainder of his term, the market was...

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