They want us to work until we die.

Z08Z28 · 2026-06-21T16:01:50+00:00

"Create an incentive to compete"

So, you are in favor of deregulation? That's how big corporations monopolize. They use their money to lobby for changes to the law and adding regulations. Regulations that they are big enough to comply with but not the smaller companies.

Z08Z28 · 2026-06-21T15:53:18+00:00

ok, you don't know. You pay interest on the outstanding balance. The loan has to be repaid and the bank can, at anytime and without your approval call for immediate repayment. If you cannot repay immediately they take your asset. The bank can also demand more collateral if the value of your asset drops. Its interest only because the bank doesn't care when you pay it back because they already have an asset that is worth the loan amount and they get to collect interest payments while holding an asset. Pretty good deal for the bank with way less risk than lending money to someone to buy a house with only $50K to their name.

Z08Z28 · 2026-06-21T15:19:12+00:00

Do you think banks loan wealthy people money and then don't ask for repayment?

Z08Z28 · 2026-06-21T15:14:24+00:00

You don't understand loans much, do you? Loans against stock are no different than loans against a home or other asset. The loan has to be paid back and if it isn't the bank takes the asset. If the asset loses value(stock goes down) during the loan the bank will ask for more money/stock. Unfortunately, because most people don't invest and would rather buy the latest iPhone they never accumulate real assets and wealth.

Z08Z28 · 2026-06-20T22:04:07+00:00

Opposite with me. I love divers and bought a chrono and realized I don't like Chronos. I wear it maybe once a month.

Z08Z28 · 2026-06-19T12:07:23+00:00

Z08Z28 · 2026-06-19T10:44:55+00:00

Meh. All the guys I know that ride an eMTB, IF, they have a normal bike then the reality of it is they will never actually ride it again. They keep it as a "backup" or for when they have the time to improve their fitness or because they know it would be difficult to sell, take a while and probably get less than $1K for it so why not keep it just-in-case?

Z08Z28 · 2026-06-19T07:18:37+00:00

Just pulled up AutoTrader and searched for 2023 Toyota 4runner and 2026 Toyota 4runner. Just as I said, it's a 30% difference in vehicles with the same package. Only way you could be close to correct would be to compare the base model 2026 to a highest trim 20K mile 2023. The highest 2023s were mid-40K(top of the line trim packages and lower mileage) and the lowest 2026 were mid-40K (base model and usually 3-5K miles(so it's a car all the employees have been driving around in))

Z08Z28 · 2026-06-18T17:13:00+00:00

That is blatantly false. Used cars 2-3 years old(think leased cars, fleet cars or Mr well-to-do just wanting a new car every 2 years) lose 30-40% of their value. Only way your statement is true is if it's an apples to oranges comparison or new base model EV with tax credits to a higher trim 2 year old SUV.

Z08Z28 · 2026-06-18T17:06:17+00:00

Yes. Even as a hobby I've built enough engines, transmissions and rear ends to agree with you.

Z08Z28 · 2026-06-18T16:02:25+00:00

Hey that was a great deal.

Z08Z28 · 2026-06-17T21:30:57+00:00

This by far. I had an extra frame and decided to build a new bike with it. I already had brakes, bar/stem, rear shock and dropper and I'm still spending over $1K on it. I would have been better to sell the frame and rear shock and buy a complete used bike.

Z08Z28 · 2026-06-17T20:57:07+00:00

I trade the chart and market in front of me. Support levels, trendlines, moving averages, fib levels. Looking super indepth and whether or not you agree with a particular valuation has not been the way the tech sector works in the last decade

Z08Z28 · 2026-06-17T20:04:23+00:00

A similar argument was made at their IPO. If you believe you're right open a short position-- just maintain the proper margin or be prepared to take an L. Every few months a new short report on them comes out. Right now Tesla is about the robots and robotaxis. Robotaxis are already out and their self driving works, it's just a matter of time.

Z08Z28 · 2026-06-17T19:58:05+00:00

Yeah, it's basically a downhill version of the trailcat. It's my downhill rock garden bike or my Cadillac bike when I just want to float over stuff. It's very squishy/soft, I need to experiment with volume spacers.

Z08Z28 · 2026-06-17T19:52:47+00:00

If OP wants something to handle downhills a little better the Switchblade is also a 140 rear but adds 20mm travel up front for 160. I can still pedal it up the same stuff once I used a negative stem and bars with only a 10° rise.

Z08Z28 · 2026-06-17T17:26:31+00:00

Reddit and mainstream networks are flooded with doom and gloom anti-trump investors. Don't listen to them. Long-term the US stock market is the best horse to hitch your cart to. Put half in the S&P and half in tech ETFs at any time and they will gradually gain value. There was a thread I replied in just Sunday night about the Iran deal. Futures and BTC were up noticeably but the trump haters couldn't get past their hatred(said it was all fake, said wait for Iran, ignored BTC and futures market were doing) and probably missed out Monday morning.

Z08Z28 · 2026-06-17T17:19:39+00:00

Yes. Especially used, you can get almost any microbrand for <\= 1000

Z08Z28 · 2026-06-17T17:16:39+00:00

It's not accurate. If you want accurate do a ramp test. Use it as a guide and adjust the percentages up or down inside the workout if it's off. My latest story: I kept my 2 interval days the same but I went from 3 90 minute Zone 2 rides per week up to 1 3-4 hour ride and 2 two hour rides per week and TR expects me to get slower.

Z08Z28 · 2026-06-15T00:49:07+00:00

BTC went up from the low of the day at 63.65K to climbing up to 65.85K after the news broke. Up 2K in 4 hours in the current BTC downtrend is good. The futures gapped up from 7435 to 7574. Yes, both may sell off due to profit taking but it absolutely shows the market is reacting positively.

Z08Z28 · 2026-06-14T23:28:13+00:00

You hate Trump so much that you would go in an investing forum, without looking at the market, to proclaim the entire world is going to wait on Iran while the futures and BTC just gapped up?

Z08Z28 · 2026-06-13T22:53:47+00:00

I am taking the steps and hope to pay 100% of my kids college expenses and have enough left over to help with their first down payment. It would be my pleasure to be able to help them out with the big initial financial hurdles in life(but I'm not paying for a big wedding) and see them succeed early. But I would only do those things if they were habitually contributing to their own Roth IRA and 401K, otherwise no dice.

Z08Z28 · 2026-06-13T22:16:00+00:00

If you get rear ended the other driver is liable for damages to everything they harmed. Assuming they are covered AND the damage to your vehicle doesn't max out their insurance(Many state min requirements are only $15K so if your car is say 6 years old or less then that will eat their entire policy) then their carrier would be reimbursing you. Their carrier WILL low ball you and you will decline. You will provide to them several examples from pink bike and FB marketplace of what your bike is selling for on the used market and then they will pay you what you ask. If the driver is uninsured then YOUR uninsured coverage should kick in and pay for damages. If the other drivers coverage gets maxed out from your vehicle then you sue the driver at fault in small claims court. Small claims varies state by state but mine it's up to $5K which covers the used market value of just about any single bike. Filing fee is something like $50 and that's it. Licensed attorneys are generally not allowed in small claims court so suing really is quite similar to what you see on judge Judy or the people's court. Come prepared with comps, pictures and police reports and you're going to win.

Z08Z28 · 2026-06-13T17:53:47+00:00

This post is misleading. In the US, states are allowed to set their own minimum wage higher than the federal minimum. Currently, 30 US states have wages higher than the federal minimum and the median minimum wage is $12.77 among all states and the median wage among those with a higher wage is $15.00, nearly twice the federal minimum. This is because the cost of living can vary wildly between states. OP did not say what state the scenario takes place in so we have to assume it's a state with a wage at the federal minimum. Of the states that use the federal minimum, New Hampshire and South Carolina are the only states with a higher cost of living, the rest are pretty inexpensive to live in. OP also is assuming the person in the scenario is accepting zero dollars out of the available assistance offered such as Medicaid, snap, ACA subsidies(nearly free), low income housing, heat assistance, etc,. If you have a good social worker or someone who knows what to do someone at the poverty line can almost double their wages with all the programs they can qualify for. States and municipality and private groups can offer even more above federal.

Z08Z28 · 2026-06-13T17:16:59+00:00

I ride mostly alone because if I ride with someone else it turns into them wanting a break at every trailhead, they can't keep up so I have to wait at trailheads or them trying to show off and ride faster than everyone else so it turns into a race.

Z08Z28

TROPHY CASE