niels@nsmb.com profile

Best to set multiple different privacy zones around your home. With a single one on your address it's still not too difficult to figure out from a couple of rides.

I fixed the photo

Fixed! Thanks for the heads-up.

Ah that would explain.

Actually, now that I look at the picture again, I'm not sure there is a spacer.

Looks like the CF 7 is specced with a 150 mm fork with a 10 mm spacer between the crown and the head tube? Weird, why not just spec a 160 mm fork?

I think what Brian is saying is not that the math is incorrect but that reach on its own does not say much and that it should always be considered together with stack.

Reach and stack together determine the distance between bottom bracket and top head tube or, in a more practical sense, how much space there is for you body in standing position between pedals and bar. The different ride-9 settings only change the angles but not this distance.

Slipped through the spam filter 🙄

I've also seen some weird driving behaviour in the past few days. I think it's because people are under above-average stress.

I think the guy who designed the humorous signs retired a few years ago, I remember it being in the local news. My favourite is the one addressed to dogs.

I'm a little scared the post will just work and I won't have anything interesting to report!

I've been using Squirt chain lube exclusively for the last 12 years, in every imaginable terrain and weather conditions. Works very well for me in all but the most extreme wet conditions (think monsoon rains, axle deep creek crossings).

Posted by: tungsten

You all are Netflix type fiends. I'll just put this here.... https://www.counterpunch.org/2021/06/18/hedge-fund-devils/

Those guys do the opposite of what we are doing here. We are passive investors putting our own hard-earned money to work, not ruthless speculators risking other people's money in high-stakes gambling schemes.

Sounds like an interesting series though. 7.1 on IMDB, just enough to give it a try.

+1 for spreadsheets. I make my own in Google Sheets and tinker with them indefinitely.

2% for inflation and 4% for safe withdrawal rate from investments are realistic numbers if your horizon is long term.

I've found this to be a useful tax calculator for estimating taxes in different scenarios.

Posted by: rnayel

Posted by: tungsten

https://www.propublica.org/article/the-secret-irs-files-trove-of-never-before-seen-records-reveal-how-the-wealthiest-avoid-income-tax

An article suggesting that unrealized capital gains should be taxed. Not likely

My home country (Netherlands) does this. Over there you don't pay tax on actual capital gains but you report the total value of your combined savings and investments on Jan 1st and pay income tax over a fixed assumed return on them (something like 4%), regardless of actual returns (even if negative).

I posted on the previous page about paying (close to) zero taxes once starting to live off investments, because taxable income will stay under or close to the personal amount tax credit. This is partly due to how capital gains are taxed here (they only count half basically). And anyone can do this - as has been discussed in this thread, just live below your means and keep saving and investing until you have enough.

I have mixed feelings about the tax thing - on one hand it will help us to retire early, on the other hand, if everyone did the same nobody would be paying taxes.

I'm in favour of some level of income/wealth redistribution but it's very difficult to come up with an effective, balanced solution. It's questionably whether the wealth tax in the Netherlands really works. It disproportionally hurts regular folks who just hold some money in savings accounts as they pay tax over assumed returns they don't actually make. And the ultra rich have the means to structure their finances in such a way that they can avoid the tax altogether anyway.

Posted by: syncro

Posted by: SixZeroSixOne

Will people stop publicising Parkgate Park!!!! I won't be able to find my usual parking place there once all the rabble descend on it...🙄🙄🙄

Cat's outta the bag on that one - it's been mentioned in a few different FB mtb groups already.

It's not like it was some secret location. Fivers have been staged there, NSRide meets there for Seymour rides.

I usually park at Parkgate Park for Seymour, it's often blissfully quiet there.

It's only a few minutes walk or ride to the mall from there.

I had never heard of McCartney Creek Park, will check it out next time. I suppose you can access the Blair Range trails from there?

It looks to me like that calculator is assuming a complete bike which has 13% duties. I think frames only have 5% IIRC.

Also it applies 12% tax but AFAIK you only pay GST (5%) on bicycles and bicycle parts in BC.

You should be able to look all of this up online.

Average market returns at zero effort are good enough for us. No need to get rich overnight or at all, we just need enough. We're early 40s and hope to live at least another 40, statistics say that the number of people who will consistently manage to get above average returns over that time period will be very very small, like 1%, so why bother.

I just buy every month and hold. Index funds that is.

We just ran some numbers to see how much we'll need to be able to live off our investments. One of the things I discovered is that with some strategic withdrawing, we could be paying close to zero taxes once we reach that stage. How strange is that?

Still sticking to the game plan of saving around 50% and putting everything into an aggressive couch potato portfolio (Vanguard ETFs and TD e-series mutual funds). My partner is on board too. We did the math recently and things are looking good.

I admit I allocated a tiny amount of play money to earn high yields on stablecoins (crypto backed by actual money). Earning 10% annualized on TCAD and up to triple digits on BUSD in DeFi yield aggregators. Fascinating, wild west stuff. Fully prepared to see it go up in smoke any time.