phade

#WestNewYork51stState

Generalizing...September. Will see bachelor groups drag on into early October in certain circumstances. Last year opening week had a 6 buck bachelor group go by. Clearly bedded in same area and moved together to feed in same area. Oldest was a 3.5 we were familiar with, rest were 2.5 and younger.

I know the rule is go bigger than you think, but we've really gravitated to smaller units. Kubota UTV is 400 series and our Kubota tractor is 4wd and small/compact. We towed both on the trailer down to Ohio last weekend. We used it to get in and mow trails in narrow, hilly, and winding places that the larger tractor and farm tractors wouldn't be able to do. We also used the bucket extensively along those trails. Mobility is key for us in the way we use it. I get why people always say go bigger/more HP, but for us the smaller sizes work better. Congrats on the new rig. Should be helpful around the place.

I haven't looked as often with the churn but I have the Fidelity app and have my 401K, Roth IRA on it, and our company distributes RSUs through them, the dashboard is right on the main page so it's impossible to not see it lol. RSUs just vested this month so naturally we're all in there at our company. Admittedly, I still use RH for my individual stock account. No idea why other than I like the simpleton nature of it.

Down 12% YTD here. It'll be choppy for the next 12-18 mos. I can't see them reducing interest rates anytime soon like some pundits are saying will happen once the Fed peaks their base rate. Some guy on CNBC was saying the Fed will only keep peak interest rate for a very short period of time. Can't see that myself.

I have a Ravin R10 ready to rock. Mostly so I can hunt with it should I have back issues on no notice. And yes, not in NY, but for Ohio and/or Missouri where they don't have lame laws. I will say I held the new KI one that is short this weekend in Ohio. Forget the model, but around $1,100 or so. I wish the frame wasn't shiny, but overall, I really liked that thing. It feels night and day different from my R10 which is full frame. I have to admit though, Xbows are pretty annoying to carry around and use in a stand. They feel alot more cumbersome than a bow. I prefer the bow significantly, for me.

Investment Year in Review LOL

My undergrad was in education. Student taught at one of the wealthy suburbs and also inner city. The teacher I was working for was in his 14th year, and I'll never forget him telling me he was going to his parents to pick up his blacktopping equipment for the summer season. He needed to do it to bring in enough money for the family. 14 years in. Never took a teaching job after graduation. Got into business and communications. I was making more than him 12 months into my career - and no it's not all about the money, but the front end gap in teaching pay is pretty lame.

I just read the fact sheet. The debt forgiveness won’t be taxable due to the recent Relief act. So if you get the relief it’s tax free. Second, they do say married bumps this up to $250K per year. Well, that’s going to allow a lot of people who make more than $125K in, not a ton of spouses also make another $125K or push household over $250K. Weird phrases being used in the discussion around it. Biden keeps saying nobody who makes more than $125K will get this relief but that’s not going to be true if the way it is written sticks. Pell grants move it up to $20K. Bazinga.

Maybe its a fad, but one of my hunting mentors used a 10mm often while hunting. I've never really seen the allure to using one. I did take down a doe with a 9 mm carbine. Short distance, and legal in that state. Meh. If I'm worried about convenience, my CVA Scouts in 350 L or 243 are not much at all to carry.

I have material germination the following weekend, every single time when things go right. So, 7 days and you should see alot of germination of brassicas. From there, weeks 1-3 or 4 sometimes make me nervous because growth always seems slow, then weeks 4-7/8 it takes off like a rocket. Never fails.

Does the GI Bill already help in that fashion, around education and skill training? Pretty sure my Dad went and got a two year degree for free on the GI Bill, so just wondering if that is already in place. For me, I'm worried this isn't the last time they do this with SLs. I bet they go back to the board again closer to Presidential re-election. $10K is just the start.

Silence. That's why. LOL.

I think most Americans agree debts should be paid regardless of the circumstances and headwinds. Is what it is. But, do those same Americans who meet the criteria forgo the $10K debt forgiveness on principal now? Do they not take/claim deductions they wouldn't ideologically agree with up front? That is a weird paradigm IMO.

That is what my father did. 23 in the Navy and then got into a second career leveraging his military experience. He's done well for himself with a few retirement revenue streams. It really is a good pathway as you noted.

Well it is official now with the tweet going out. I am curious how they would determine income by borrower in a household or married tax filing status. I suppose you could get to it on taxes but that seems like it'd be alot of work, no? How would deductions apply to one person in a married filing? Assuming its AGI, too.

I would have too, but despite maxing a 401K match back then (I was diligent on that at day 1), I still would have pee'd away most of that paycheck on dumb stuff. It took a very long time for me to become smarter admittedly. Late bloomer I guess. I was flat out dumb back then. We have some lifestyle creep but we keep it in check IMO. We still clear a material percent monthly. All our formal debts on a monthly basis equate to 15% of my gross alone, not inclusive of my wife's income, and my business. We're spending alot of time lately trying to become confident on how to best manage it on a go forward basis for passive income and preservation.

This is valid for sure - the gov't backed loans allowed colleges to go for scale, admitted students that probably shouldn't have been, taking more students in general, and raising prices, etc.

I don't think we do that any longer - have you seen the rates over the past few years? It's dropping when adjusted for population. Fewer people are going to college.

Curious how much of that debt load is from SLs - IE doctors, attorney, etc., and other high end degrees that consume huge up front OPEX. Similarly, I wonder how much of that comes from $100K jobs in high COL areas like San Fran, NYC, etc. where homes start at insane amounts. Lifestyle creep is a real thing, too, and something with age I've come to understand and balance, thankfully. I have a friend who is a pediatrician. She exited school with $200K+ in SLs. She's been post-college for three years or so, and reeling it in quick. But still, that is a huge week to week paycheck life up front.

Yeah, dealing with cows cannot be fun. Our farmer has 30 head of angus. Unreal the amount of work and BS (pun intended) he deals with.

I'm not disagreeing, but math doesn't lie. only 8-10% of the US adult population makes $100K or more per year. $130K puts them in the top 6-7% of wage earners in the US. Not saying he is lying, but if it's 100% true, it's a mathematical anomaly, if you get my point. Most trades, just like most college-degree driven jobs do not lead to $100K plus per year.

This isn't a trade vs college argument at all but I always approach people's income levels with a grain of salt. People throw out numbers alot in generality. For example, those guys might be many years into their union careers, paid dues/hard knocks (dirty hands, clean money), etc. Some people are in business and have grosses at a good rate but net low, etc. Data shows 1 in 10 to 1 in 12 Americans make $100K or more per year. It's a pretty consistent number. I'm sure wage inflation will make that go up in the 21-22 timeframe as data is refreshed, but still, not many people make $100K+ a year. Only about 30-35% of households make over $100K per year combined. I hear alot more people say they or others with them make $100K+ per year, way more than 1 in 10 or 12. Similar to people saying how high they set their stands, the tape measurer might be off a bit. Off my soapbox. One thing I will say about $100K jobs (adjusted for locale inflation) - none of them are easy by any stretch. Trade, white collar, you name it. Big money doesn't come easy. People earn it.

Unfortunately there would be alot of criticism of that based on the belief the credit system is flawed for certain demographics. Data shows certain demographics are many multiples more likely to repay their SLs. In some data cases, you see a BIG swing - one group repays 44% after X years (I think it was like 10-15 years) and another group had a net balance increase (due to not being able to draw down the principal and suffering interest compounding). Again, not saying right or wrong, but that kind of stuff would get into credit analysis in terms of ability to repay. Maybe the gov't could take that idea and set certain limits based on profession/degree type, however? I don't know. Hard thing to solve for.