VR1

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IMG_20140608_110046 by simbachinna, on Flickr

VR1

Opinions on these Enkei Raijin wheels:







18x8 +45

VR1

or Enkei TSP6







18x8 +45

rawger

1 fuuurr suure

opboarding

I like them. You'll need spacers though for the rear.

ssjoeboe9

I'd pick the first ones!

xtcnrice

1 with moar concave

rawger

More than chicken nuggets?

http://viewrz.com/video/chicken-nugg...like-my-family

Harper

Chicken nuggets and ranch ARE op's family.

Raijins look better.

opboarding

This was the best wife swap ever! I used to quote pretty often "Bacon is good for me!"

I also bought chicken nuggets this past week weekend and ate like 20 for lunch. I felt so fat and gross.

www.youtube.com/watch?v=2T_obaO46Bo

rawger

LMAO where he decides to pack his bag and leave. "I'm packing my bags!", welp two t-shirts should be all I need.

Also don't worry OP, you are fat and gross, it's not just a feeling.

ssjoeboe9

Any of you guys in here 401K guru's?

Specifically I want to know at what salary range is it better to be taxed on your retirement yearly salary or (pre)-taxed as you earn the money in living time?

I have a Roth 401K which means Im paying taxes on it now, which is fine because I know my salary is less than it will be when I retire. So at what point should I consider switching to just a normal 401K (so my taxes will be lowest always)?

Slade037

Do you think you’ll be better off paying taxes on the money now or later? Let's say you're eligible for both a Roth and a traditional IRA.

Generally, you're better off in a traditional if you expect to be in a lower tax bracket when you retire. By deducting your contributions now, you lower your current tax bill. When you retire and start withdrawing money, you'll be in a lower tax bracket, thereby giving less money overall to the man.

If you expect to be in the same or higher tax bracket when you retire, you may instead want to consider contributing to a Roth IRA, which allows you to get your tax bill settled now rather than later.

It's hard to say what tax bracket you will be in later in life or how the government will change them. Good rule of thumb is to keep your retirement savings tax diversified.

robpp

iTrader: (2)

both joeboe.

and be sure to contribute enough to get the maximum MATCHING dollars from honda or any company you work at over your career.
thats where you can get free money.
i am at the end of my working time; I wish i had more chance to save when younger.
my advice is to make it hurt now and then you can relax by the time you settle down with a family and such.

i didnt put a nickel away before the age of 40. i am trying to catch up and running out of time.
any peeps I know that worked in the private sector and are retired early all had good jobs out of college and were able to save big when young/

sorry for the lecture....didnt mean it that way/ just sharing my experience from the old geezer/

ssjoeboe9

Thanks for the advice guys, I've been to lectures about savings. They are really interesting. If done right, 5% matching on a salary of 60,000 makes you about 3million by the time you're 65. Pretty good deal since your company is paying half of that.

Yeah I've heard the guys talk about diversification. I'm thinking maybe ill do an aggressive 401k ( 90% stock, and 10% cash) for twenty years then change the percentages when I'm in my 40's.

I'm thinking I might only do 401k and invest some of my own money through a broker so I don't have to do only mutual funds.

benben01

5% matching is pretty good Joseph considering most companies are scaling back on benefits. To reach that $3M figure, all you got to do is avoid the major market meltdowns

robpp

iTrader: (2)

let it ride and you will be fine.
I do 85% 15% cash in my 401K and Im old but trying to catch up.
you can never predict the downs so you just ride them out.

ssjoeboe9

Actually, Honda is matching us 6% and I plan to put in as much as they match me. Apparently it goes to 8% after 15 years.

Just thought I would ask people what has worked for them. My philosophy is that I can't miss money that I never had. Even with 6% taken out, it's the most money I've ever made so I'm still living an upgraded lifestyle from my college days.

Slade037

If you can live comfortably and save while maxing out your retirement, you should. I didn't at first because of cost of living (VA) + trying to save for a down payment for a house (20% to avoid PMI.) would be difficult at 45k a year.

But my company' was giving me 7% while I contributed 2.5%. 7 years later, I bought a house and now maxing out my retirement. Getting 12.5% matched. Can't beat that free money.

opboarding

Exactly. I set mine at 8% when I first started and never looked back. I am able to live comfortably on what I get minus the 8%.

ssjoeboe9

Cool deal guys. Glad to know I'm heading down the right path.

@slade Im really hoping that when my fiance gets a job in the next 6 months we can live off of 60K (net) then we can save over half of her paycheck and about 1/4 of mine.Then we should be able to afford a down payment for a ~$200,000 house after two years. Or even buy land and wait 5 years to build.

This is hopefully the upcoming plan at least.

*Edit- maybe more like 1/5 or 1/6 of my paycheck haha

VR1

Got my license!

xtcnrice

time to race!

Harper

Congrats vr1!

iCrap

wait wat. were you just driving illegally before or always driving with your parents?

iCrap

lol i was on a tiny island in middle of nowhere of quebec and saw another TSX with maryland tags drive by me! what are the odds..

Jaheri_cbp

I love chipotle.

iCrap

who dosen't?

Harper

I see chipotle as a friend....

opboarding

Chipotle is my friend with benefits.

ceb

That would be me

only if you consider gas and runny stools benefits.

iCrap

lmao

xtcnrice

lol yes, I was trying to look for this pic last night but gave up hahah

benben01

Good Morning Ladies! Adding a bit of JDM to Euro Trash

xtcnrice

^ nice! too busy "time attacking" I see

VR1

I like the Raijins a bit more too.. Only problem is they aren't concave in 18x8 +45 18x8 +40 is still not concave and I don't think 18x8.5 +35 or +38 will fit. I don't know how 18x8.5 +50 will be, can't find any pics of that size.
Ideally I would like to not run spacers. Will 8.5 width be more flush?

xtcnrice

I think the 8.5 +38 will fit, probably even the +35. I'm running 9.5 +45, which is theoretically equivalent to 8.5 +32ish (9.5-8.5" = 1"... assuming subtracting 1" of wheel width is equal to subtracting 1/2" (12.7mm) on each side... then 45-13mm = +32mm effective offset).

Note, I may be really wrong on this... but I think most wheels as you increase an inch on width, it's like the wheel will stick out half an inch, and will be closer to your suspension by half an inch.

With that... go with the lower offset Raijins. However, rubbing issues can still occur depending on ride height and tire selection. I think I'd start rubbing if my tires weren't a bit stretched.


PS: +50 will not be concave at all btw

xtcnrice

So my TSX is a TECH and so doesn't have the side skirts, front lip, nor the SE rear. Do you guys think it would look weird with the side skirts and front lip without the SE bumper? Couldn't find any pics of this setup here.

robpp

iTrader: (2)

i just have the front 2 piece/ rear wouldnt work with wagon/

opboarding

The lines don't quite line up when you have the non aero front and rear with side skirts. Since the skirts sit lower it looks a little bit off. It isnt too noticeable so it depends on how picky you are. It would probably be fine. I wouldn't judge you for doing it.