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  1. 180ls1

    Taking Equity out of Home OP spoke to me - now, me too!

    Yup, tapping into equity is not the same as putting $$$ away per check to spend. A refinance probably cost $7,000 (I am guessing) and the spending associated with tapping into home equity. People spend home equity like credit cards. This leads to them spending significantly more than if they...
  2. 180ls1

    Taking Equity out of Home OP spoke to me - now, me too!

    Good job on the life insurance. I remember delivering a check to a widow. I pray that I never have to do that again. The data I've seen puts satisfaction over 90% for those with a claim. Yes, you can get denied and it's certainly not as easy as military (no hate). They also write exclusions...
  3. 180ls1

    Taking Equity out of Home OP spoke to me - now, me too!

    Don't forget about disability insurance bud. Its 2% (roughly) of your income and your income is arguably your most valuable asset. If you die, your wife can move on. You get disabled, it may take your wife down with you (caregiver) for who knows how long. Then your family is really screwed...
  4. 180ls1

    Taking Equity out of Home OP spoke to me - now, me too!

    Yeah, you'll never know the reason why.
  5. 180ls1

    Taking Equity out of Home OP spoke to me - now, me too!

    The problem is people live one chapter of their life at the expense of the other. This can go either way (over/underspending). It's imperative to live each chapter to the fullest. Did the first guy live like an absolute meiser for too long and it's a good thing he is finally spending? Did he...
  6. 180ls1

    Torque insensitive bows

    Get one with a Defelex Riser, it probably wont be a "hunting" bow. Bowtech Reckoning Gen 2 is 100% up your alley. Deflex riser, adjustable grip... there are others like the PSE Supra.
  7. 180ls1

    Kitchen renovation appliances

    I hear you. Were $20K into a remodel as we speak... errr more like $25K+ and I am missing stuff. He did say Whirlpool who makes Kitchenaid Whirlpool and others is good to go so thats what we went with. By "we," I mean my wife has freedom amongst those brands. We did get a good deal on a...
  8. 180ls1

    Kitchen renovation appliances

    A fellow hunter and appliance repair business owner told me Samsung and LG make up 80% of his work. Take that for what it is.
  9. 180ls1

    Projectile Choice: Lighter/Faster or Heavier/Slower

    As with most things, a nice balance is usually the best fit. Error on the side of fast for mono's.
  10. 180ls1

    Will Vehicle Prices Ever Decrease?

    New Tacomas aren't a bad deal at all. My buddy picked one up for roughly 20% more than the lower mile used ones were going for, it was a no brainer at that point.
  11. 180ls1

    Taking Equity out of Home OP spoke to me - now, me too!

    Yeah, people make emotional decisions and back them with logic, not the other way around. When I first got into financial planning I remember someone telling me that. It couldn't be more true, as displayed here.
  12. 180ls1

    Taking Equity out of Home OP spoke to me - now, me too!

    I think people should post details of their finances. That other guy sure seemed to dodge all those questions. We seem to have forgotten everything but a bull market.
  13. 180ls1

    Yamaha or Honda ATV Recommendations

    The market is wild for sure. Here in SoCal people routinely spend upwards of $50K on side by sides then easily another $10K or more on accessories. Many sand cars are multiple six figures.
  14. 180ls1

    Ultralight Ultralight Rifles

    Cool. Was the adjustable gas block "needed?" Whats your take on it for hunting as opposed to the straight pulls?
  15. 180ls1

    Ultralight Ultralight Rifles

    Is there any sort of consensus for a build parts/kit for guys who are keeping their AR semi-auto?
  16. 180ls1

    Yamaha or Honda ATV Recommendations

    You can't go wrong with either, honda may have the edge. However, there is a lot of weighting on the condition and how the prior owner treated it. That said. I have a Polaris now and you sure can't beat the ride quality but you can tell the reliability wont be the same.
  17. 180ls1

    Montana (and other state) hunter orange laws out dated?

    Driving to the trailhead and back is probably far more dangerous as is the case with many things. Keep in mind texting and driving is still perfectly legal.
  18. 180ls1

    WTS Nikon HG 8x42 Binos — 435’ @1000y wide angle

    8x binos on your chest are criminally underrated. Do it. Or at least try and sell the other.
  19. 180ls1

    Masculinity and Caliber Choice

    I think you guys are missing my point. Its perfectly OK to address the literal words/points of the conversations he is having. It is also OK to address the underlying communication when talking to these guys. Not everything they say is meant to be taken literally. Doing so will likely result in...
  20. 180ls1

    Masculinity and Caliber Choice

    You completely missed the point of my post. Did you mean to quote someone else?

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