Jump to content

Black

Validated Members
  • Content Count

    67
  • Joined

  • Last visited

About Black

  • Rank
    Full Member
  • Birthday 07/09/1977

Optional Fields

  • Lifetime Member
    No

Profile Information

  • Gender
    Male
  • Interests
    Camping, HDT, Bus conversions, Big Heavy trucks:)

Recent Profile Visitors

1,941 profile views
  1. Black

    Bumper Pull Hitch

    Good call, I forgot about the pin. Other than a vertical pin, it sounds like below the bumper it is...
  2. Black

    Bumper Pull Hitch

    Any thoughts of cutting a square hole in the tube and welding the receiver tube into it? Aside from the added support, it seems like it'd be a "cleaner" look.
  3. Black

    Winch capacity......

    Just a thought but a 12k winch from Harbor Freight is under $300. Should you put it on a removable mount and your rig ever gets stuck, you can move it to the truck and use it to pull yourself free...
  4. Black

    Bumper Pull Hitch

    Hello, I went with the Draw-Tite 4907 7" bracket kit and the Draw-Tite 41991 hitch. This is a Class V universal fit hitch that's specifically made for heavy-duty and commercial vehicles with frames up to 62". The ratings are 16k lbs gross trailer weight and 1,600 lbs max tongue weight although it can be reinforced to handle more. It's cheaper to buy the components separately then as a kit and all together I spent ~$130 for the hitch and about $15 in bolts.
  5. For my own planning, I assume a 6% interest rate and a 3.5% withdrawal rate. While my withdrawal rate probably won't change much, I expect to beat 6% (Vanguard easy 3 fund portfolio) quite regularly so that's my worst case scenario. I've found a wonderful tool called Firecalc (there's other variations out there) that run a simulated retirement strategy as if you would need to withstand the worst ravages of inflation, the Great Depression, and every other financial calamity the US has seen since 1871. I figure that if my numbers can withstand that, then it is likely to withstand whatever might happen between now and the day I no longer have any need for your retirement funds. https://www.firecalc.com/
  6. I’m curious how you got to this number as at the somewhat popular 4% withdrawal rate, 5 mil generates $200k/yr. Perhaps you’re just in a much higher socioeconomic class than most and this is their current expenditure?
  7. I wasn't born into the white middle class but even so, being born American is the greatest lottery win that anyone could ever receive. For all of our shortcomings, we literally are the land of opportunity. I'm grateful for the gifts I've received but also grateful for my work ethic and willingness to do things that my peers deem as beneath them or not worth their time. It's not a zero sum game in that just as I can recognize that my own decisions have played a part in my relative success, so too has the stroke of luck in being born in the U.S, being married to a faithful and loving woman, and having parents that cared enough to raise me with Christian morals and shape me into a responsible adult. All that said, It's a much more interesting story to tell folks I was born into a log cabin that I built myself:)
  8. Bob, Rather than buying a new controller, do you think a 12V relay would've solved the problem with the controller? Thanks for the writeup!
  9. I'm about 8 years away from pulling the plug although if it wasn't for the lifetime health insurance I get for retiring, I'd probably walk away right now. Charity will be the largest single slice of our budget by far, we're fortunate to be rather simple folks and I can't imagine any non-health related scenarios where we aren't struggling to spend down our nest egg balance. If we run low during a year, we'll just have to scale back for a bit. That said, I'll heed the advice and make sure to maintain a healthy liquid balance for when I get too tired/old of fixing my own stuff and splurge on a new Volvo:)
  10. Just to switch it up a bit, I'm a law enforcement officer (which means I'll retain health insurance) that plans to retire at the age of 49 and full-time for at least a few years, and probably more if I go international. I'm aiming for a nest egg of $4 mil (real estates, stocks, 401k), am married with 5 dependents, and estimate yearly spending of $125,000, most of which will be charitable donations. I'll also be collecting a roughly $38k pension once I retire. In case a bad guy gets me tomorrow, I will carry life insurance until retirement that pays out $875K which means my wife will be able to retire immediately (currently 39) and the kids will all be good to go. All of my calcs and spreadsheets say I should be good but since I've never been there, and many of you have, does anyone see any glaring faults in my planning or have cautionary tales to share?
  11. Did you get it started? What'd you end up doing?
  12. $80 each is CRAZY. If the fix doesn't end up working and you can find someone to borrow a switch from, I'm happy to design and print it on my 3D printer for you. All it'll cost you is postage and a medium Wendy's Frosty if we ever meet in person
  13. I suppose so if you only want to use it off-road. There's quite a few trucks at Uwharrie like that...
  14. You are correct and the information that I posted about TX was incorrect. As I stated before, each of us as individuals can research our respective states (as you have) and make an informed decision. As for the argument that it can't be used as a substitute for a car/truck, we're all entitled to our opinions and there are several folks who would disagree with yours. On my last trip to FL a couple weeks ago, I met a couple who much preferred their UTV over a conventional vehicle and wouldn't have it any other way. Regarding my agency, I never made a claim that I enforced traffic laws and was only offering context. Re-read my statement and you'll see that I included my position only to reference that NC State police (county folks were on the task force as well) were the ones who gave the first-hand info about UTV's while we were working a case together. As for suggesting that I might want to do the research, the fact that you found TX does not allow UTV's is a convincing reason that I shouldn't. As much as I enjoy helping folks and lending a hand while I can, and as I said earlier in the convo, "I do not have time, nor am I willing to do all the research, for someone who is trying to overcome the obstacle of a pickup truck/UTV/motorcycle conumdrum. ...That said, it's helpful to know that there are States in the US that allow full usage (not in a limited capacity) of a UTV as a street-legal vehicle. To be fair, there are also States that only allow them to be used in a limited capacity." You mentioned that I implied there are numerous states, I would disagree and refer back to my original statement, that there are some that allow full usage, some that allow limited usage, and by extension, some (such as TX) that do not allow any usage. Not a majority, not a minority, just some. You mentioned confusion on forums....one of the prime causes for confusion is when we jump to conclusions about what someone is saying before taking the time to read everything that they've actually typed. I've found the folks on this forum to be pretty sharp and adept at checking supposed "facts", regardless of who has posted them, and often times providing written proof (as you have) if there's a difference of opinion. Sometimes, we're even lucky enough that it's done in a cordial manner and a delight to read, other times, not so much.... Regardless, thanks for taking the time to research the correct info for TX and hopefully this info can be put to good use by someone down the road.
  15. Black

    Definition of an RV

    You'll get no argument from me that it sounds silly but you do what you gotta do to get what you want to get. That said, I'm perhaps overly meticulous about my recon work (probably from my military background) and like to identify the folks that enjoy doing what supposedly can't be done. Growing up in the Michigan world of DMV's and having registered over 60 vehicles, knowing who gets stuff done has saved me so much time it's almost unbelievable. When I titled/registered my truck (780), pre-identifying the person in my small county office that had the right attitude allowed me to live overseas and mail my NC Volvo title to GA, have them convert it to a motor home title, and then mail it back to my parents house in NC. Long story short; It might suck to wait 3-4 hours but once you have the right title in your hands, you'll barely remember the hassle.
×
×
  • Create New...