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Some of our bikes don't come with FM radios and Police Scanners. We need to buy those accessories for our helmets.

Hey Pauly you can borrow my Sena for the ride. The only time its get use anymore is when I got to use my uncles riding mower. Put the helmet on, turned the music up and leaned in to every damn corner I could

I'm only coming if I can connect my Sena with Paul's so he can hear me sing the entire ride. Edit: Looks like we are gonna be in different groups. Sorry you wont be able to hear my beautiful voice. It's like a mixture of Fergie, and Jesus.

The HATE group will be leaving last, so anyone that wants to drop up or down can just pull over and wait for us. However you MUST make your group aware and you MUST do so before you turn left on 78. That is the first turn...the HATE group will be turning right. We run the route backwards so we can flip off the other groups.

True you are not saving as much because of the non-zero interest but you are still saving a considerable amount of money. As you continue to buy used you will continue to bank more money. As you get older you will start putting more and more down on the used cars and thus banking more...eventually paying cash. Then you will retire and buy a new Lambo, for cash. Stay the course man.

Here's the rub--every investment caution starts with the same disclaimer: "Past performance is not a guarantee of future returns." That being said, your age makes a huge difference on how critical your choices of investment type become. If you're under 40 and looking at another 20+ years of investing, it's hard to go wrong with any of the low-cost US-based index funds from Vanguard or Fidelity. Something as simple as the Total Market Index Fund (VTSAX) will track the performance of the US economy. There are more sophisticated but relatively simple portfolios that you can put together using a variety of low-cost funds that include growth and value stocks, large-/mid-/small-cap stocks, international stocks based in Europe, Asia, and developing countries. Google 'lazy portfolios' to find some recommendations. I'll give my EXTREMELY AMATEURISH investor's view of what MAY HAPPEN over the next 10-20 years, with the disclaimer that my crystal ball doesn't work any better than the charlatan selling fortunes at the county carnival. Right now, the US market is nearly at an all time high as far as valuation is concerned. In addition, interest rates worldwide are at an all-time low, with some countries--Japan, for instance--holding rates in the negative range (I can't even imagine how this works!). What that means to me is that it's an expensive time to buy into any market category--stocks or bonds--and it's likely that many categories will underperform their long-term historic performance for a period of 5-20 years. I believe personal tax rates will go up significantly over the next several decades out of necessity based on the type of socialist society the US is trending towards. I think that undeveloped markets like Asia and South America, with literally billions of potential new consumers, will offer greater opportunity for long-term growth vs the relatively mature markets of the US and the EU, but you better be willing to endure a long/bumpy/scary ride over the next couple of decades. And that leaves the the only reasonable retirement solution as "save more than you think you'll need" and hope for the best. Some light reading from one of the regular columnists on MarketWatch.com: http://www.marketwatch.com/story/8-lessons-from-80-years-of-market-history-2014-11-19#:vI5xcEANdDqzPA http://www.marketwatch.com/story/the-emotional-and-psychological-risks-of-investing-2016-03-30#:ct1TSAcS0rqzPA

Even less than optimal equity investments will outperform bonds over time. There are lots of options for low cost index funds that mirror the total stock market (or portions of the market if that is your preference.). Many fund companies even have life cycle index funds that are low cost and will slowly taper the index funds to a more conservative portfolio as you get closer to retirement. It is more important that someone starts saving early than their elected investment options.

Old people are a pain in the ass...now get off my damn lawn! F'in whippersnapper....

Not sure if I can make it. If I do, I can lead a fast-ish group.

Link to route? Yep, I haven't followed any of this.

FYI, if you were going down with ben and matt...which also means me and pauly we are going down via WV, staying in Virginia Wednesday night.....

Have you been leaving notes around town?

Last of the supplies are here other than a few spices and such from the grocery store.

Can I borrow it, so I can entice people to try and pair with me...so I can shoot them?

HELOCs are tax deductible, and they tend to have low interest payments. Fund the retirement and finance the home improvements. You cannot finance your retirement.

He has one. LOL.

Then after shooting you for trying to pair to me I would shoot myself for having a sena in the first place.

Not in my group. If I had a Sena and you tried to pair it with me I would consider shooting you.

Student debt is the same as any other debt, other than you can't dismiss it with bankruptcy. Refi to the lowest rate possible, but don't encumber your HELOC with it, and pay off the highest rate debt first.

Very true, but think Pole Barn. That will be the HELOC or a refinance in the next few months, we want to get the improvements done first though that we want inside the home. Updating countertops, bathroom remodels, then comes the refi and pole barn. We do well, but we definitely play the game. And house poor is just stupid, I have never understood it. Well house or car poor honestly. Or toys, shoot, the only way to be poor, is to truly be poor in my eyes.

Madcat: If you have equity in your home, you can take a line-of-credit loan out to purchase depreciable items like cars, usually at lower interest rate than a personal loan for a used car, and the interest is deductible from your taxes in the same way your mortgage interest is. The great danger is that, if you are unable to make the payments at any point, they take your house instead of simply repossessing your auto. Never overextend your income:debt ratio!!!

welp, bought a new bike..... I'll make a reveal thread later, won't have it until Thursday night. Unfortunately it's sitting in a warehouse in n.w. Ohio. It was a demo bike ordered by the dealer and they never had it sent to the showroom. @330racing you don't get to play.

2 important items not addressed by the poll: 1. Mortgage debt. I have met many people that believe in the motto: Buy the biggest house that you can afford. They end up house poor and can't enjoy the finer points of life (like motorcycles). 2. It is surprising how many people aren't saving enough for retirement. They can't "afford" to save for retirement.

I've got the one that's cyan? (red but looks black from other angles)

Dude: I tried to attach a pic and couldn't figger out the new format for doing so. Gimme a clue and I'll indulge you. I can copy and paste the link from PB, but I tried that once and it didn't work. Senility must be creeping up faster than I thought! LOL

Tough to tabulate the meaning of poll responses from those of us who don't fit the standard guidelines. I'm retired, so no steady income. I live on the quarterly dividends from my stock holdings, which gives me enough money to live on comfortably and do what I want...short of the dream of the yacht on the Riviera. With no vehicle or personal loans outstanding and a paid-off mortgage, expenses are pretty minimal. I managed to save for a nice retirement even though I never earned more than $60K a year, mostly because I've always lived pretty basic and started investing in the market in my 20s: never had cable or sat TV (still don't!), always drove used cars, paid cash for affordable toys, and didn't spend a lot on the latest/greatest tech stuff. To this day, I use a burner phone that costs me $100/year. What's odd is that I THOUGHT I WANTED all that stuff at the time, but looking back over the last 40 years, I can tell you that I don't miss not having it. I'm in the process over the next 5 years of divesting some of my stock and diversifying into safer and less volatile investments, aiming for about a 60:40 to 50:50 blend; I typically do one large sale of stock late in the year, keeping my MAGI under the bracket bump to 20% for LTCG income. So at any one time over a year, I may have as much as $150K-200K in my savings (prior to redirecting the funds from the sale) to right now, where I'm down to under $4000 total cash and awaiting the next payment of quarterly dividends from my brokerage account. Not collecting SS yet and prolly won't until I reach 70. But I did just buy a sweet '12 KTM 990 SMT that brings out the hoonigan in me--proof that 65 year old guys DO have fun!!!

No doubt, and I never rip on people that are doing the best they can with the cards they were dealt. And I don't mind paying welfare or unemployment or health insurance for them. But they are the minority. The dumbasses are in the majority.

Lot of stupid people in the world. Simple as that.

Is that a love offering?

I have never understood why people want to bash others on pricing? It's the sellers items, who cares what they ask for. If someone wants to pay that, sweet, if not, that's their issue, not some random armchair quarterback with no dog in the fight. Rant over.