shittygsxr

Ended up just picking up a bell moto 9 carbon flex for about $300. With the holidays, travel ect i had to get something ordered. 

Ill hit up riders discount for the rest of the stuff i need. 

Iron pony isnt local anymore and their website sucks. 

Found some good deals on riders discount but wanted to know if there is anywhere else i should look.

Where do you shop online for mx gear?

Whats the best deal on a MX helmet in large? Looks like there might be so awesome bell closeouts but says to call to check inventory. Any good brand would do shoei, arai, agv, bell suomy, ect

Plenty of ice up here

13 hours ago, jporter12 said:

WTF?  From the beach to the arctic?  WOW.  

A couple good friends of mine swear by Arctic Cats.  One makes the trip to the UP every year, and the other just rides around here.  One thing I noticed, the bigger sled with bigger engine and better ride quality is much better for long rides.  The "hot rod" sleds are fun, for a little while.

I am going to try and do both, but the south is turning into lower Jersey. I guess we will see how I like it up there. Its really weird because everyone is a blond and my daughter sticks out like a sore thumb. Fortunatley I am grey so they dont know I am an outsider

6 hours ago, OsuMj said:

Wow, Keweenaw is waaay up there. I heard that the island next to the Canadian border, Isle Royale, is really nice though. I would love to take a hiking trip there at some point. 

looks like there are a couple places to catch the ferry to go up there. I have so much packing researching and crap to do that I havent read much about it yet

4 hours ago, cmh_sprint said:

Congrats! You are moving to a wonderful part of the country. I'll be back in Columbis tomorrow and can answer any questions you have on sleds and the UP. I've been deeply tied to both for the past 44 years. 

we will be on the Keweenaw penninsula, by Michigan Tech. Its going to be a big task since we donated most of our winter stuff when we left Columbus and got rid of our AWD vehicles. Actually I dont even have a car anymore. 

8 minutes ago, Tonik said:

I know Michigan well. Expect 200 inches of snow per winter up there. Boatloads of marked trails....maps of it all up there for snowmobiles. You want a trail machine for up there, with good electrics for heated gear.

240 is average where we will be I think the record is 390. Trails are everywhere.

So  lots of powder, I guess track length would come into play and I need to look at amps for heated gear. 

Just now, what said:

I was riding a snowmobile before I could walk. Haven't ridden in probably 14 or 15 years and it seems like the design has swayed more towards MX with a higher center of gravity and more suspension travel than the older sleds so my knowledge may be a little dated... I can say that I always liked Bombardier/ski-doo for build quality. Polaris wasn't bad either. 

It's like every manufacturer has 30 models. Seems like lots of trail riding and frozen lakes. 

Just now, Casper said:

Where are you guys moving? 

Way up north, upper penninsula of michigan

1 minute ago, Casper said:

@cmh_sprint

Thanks Ben. I'm gonna have to actually get a car/truck too. Haven't had one in almost a year now.

Well all these fuckers from new jersey have turned the south into shit. So I am trading the beach for 20 feet of snow. Anyone well versed in snowmobiles?

On Sat Jan 14 2017 at 8:05 PM, Casper said:

Is that the same guy? Flapping his arms at 185 passing a Mustang or some crap? I think @shittygsxr even added something to Wikipedia about him. 

I felt a burning when I was peeing, isn't the what happens when someone mentions your name?

27 minutes ago, 4DAIVI PAI2K5 said:

Miss you bunches Garret

Yes  

Phaseout MAGI between 130-160k

Over 160k no deduction

9 minutes ago, Limitedslip7 said:

The student loan interest deduction also gets phased out if you are making more than $75k a year too, and completely eliminated if you make more than $80k. 

That is for single filers. Many people, making more than 80k are married. 

You are not explaining it correctly because software did your taxes and not you. 

The software probably did it correctly for you and adjusted your income. Chances are it's did it and you didn't know.

My statement is still 100% correct that paying down debt, with tax deductible interest, should not be a top priority.

No really, you do not know what you are doing. Student loan interest is an adjustment to your income. It does not matter if you take the standard deduction or itemize.  It is a separate deduction. 

Just say "oh crap I fucked up, thanks for helping me get my money back"

This is called the student loan interest deduction and it can reduce your taxable income by up to $2,500 even if you don't itemize

4 minutes ago, 2talltim said:

False, the last 2 years my standard deduction was higher than my itemized.

True, your tax guy is an idiot.

Also,

The student loan interest deduction is an adjustment to income. To claim the deduction, enter the allowable amount on line 33 (Form 1040), line 18 (Form 1040A), line 33 (Form 1040NR), or line 9 (Form 1040NR-EZ)

It looks like you need to file amended returns for previous years and get some of your money back. 

You are welcome and I won't even charge you for the advice. I just made you money

On Monday, May 02, 2016 at 2:47 PM, redkow97 said:

Fair point. 

I am just finding it SHOCKING how much debt some people are carrying.  I know there are horror stories out there, but I didn't expect those stories to be about people (okay, one person in particular that has sparked this thread) who I know and consider friends.

I recently learned that a friend carries over $25,000 in credit debt.  I'm trying to figure out how they were able to buy a house...

Remember debt is relative. 

25k in credit card debt for someone making footlongs is not the same as a radiologist that makes 45k a month

13 hours ago, 2talltim said:

 

In my upper 30's, $150k house is over half paid off, all cars are paid off(almost: 3 payments), carry zero CC debt, I will not finance toys, $25k in student loans(used to be $40k), just did 0% on a mower that was needed, and teenagers are expensive.

 

We make a tad over $100k, 15% of my check and 10% of the wife's pay go strait in to 401k with 5% company matches. I only have around $1000 in the bank at any given time because my goal is to be debt free by the time I'm 45 and over $150k in our 401k's. All extra money at the end of the month goes to student loan right now.

 

 

 

 

 

 

You would probably do better, not trying to pay off your student loans ,with tax deductible interest, and use the extra money to purchase stock or an etc with a proven dividend history. 

Nothing worse than being 60 still working and having too much in a retirement account that you can't get yet

On Tuesday, May 03, 2016 at 10:11 AM, madcat6183 said:

I do have one question on this topic;  Wife had to finance about 90% of her schooling, 7 years for her doctorate.  With that said, we've paid a lot down, but still have some left, enough that I would like to look into consolidation.

 

Anyone have recommendations?

 

Thanks

Drb and sofi have good rates, remember that tax deductible interest (mortgage and student loans) needs to be viewed in a different light that interest on a credit card or auto loan.

It seems like most people in this thread have good intentions but could benefit from spending more time learning finance. 

Poor decisions on allocation of finances early on is gonna cost them millions by the time they are ready for retirement.

Disclaimer: Of course there are income limits to writing off student loan interest

I don't buy a property unless I would live in it myself. Worst case if the market doesn't turn the way you want then you have a nice place to live.

Do you know why property values in Hawaii, Colorado and many other beautiful places never crash as hard? No matter how bad things get there is always someone with cash that wants to live by the ocean mountains ect.

I'm killing it in my rental property.  

Charleston is the best. One of my favorite people from this site moved there a couple years back, kozmo. I am a couple hours south on hilton head. 

If you like awful weather and people stay in cleveland. If you like great weather, palm trees, people with manners, history, sea food then charleston is your place. Oh and we have palmetto state armory too

If you have student debt that you can't afford then either you chose the wrong major or the wrong school. Maybe both.

Second it means that your parents loved their vices more than they loved you. Don't repeat the cycle. start putting money aside for you children's education