Protagonist hates Jane Austen.ReadyOrNot wrote: ↑Sun Feb 25, 2024 2:26 pm Jane Austen's "Pride and Predjudice" has held up well despite its age.
Victoria
Protagonist hates Jane Austen.ReadyOrNot wrote: ↑Sun Feb 25, 2024 2:26 pm Jane Austen's "Pride and Predjudice" has held up well despite its age.
I have recently discovered Mick Herron who is frequently called a modern le Carré. I have just finished all his "The Slough House Novels" series of novels and novellas and will be reading the Zoë Boehm Series and stand alone books.
The American medicine is not free. We pay more for the healthcare than citizens of other countries in the "Global North" and receive less care.setsail26 wrote: ↑Wed Jan 24, 2024 7:16 pm Everyone here needs to get over it. Nothing is free. Everyone says how important their health is but complains endlessly about a doctor bill for 200 bucks. Billing in medicine sucks because of the government and insurance companies, not because of doctors or staff. If you want to make it better, choose better elected officials. Pretty much no one in this thread has any idea what they are talking about with regards to billing. Have some respect for doctors and stop suggesting they are ripping you off. 99.9% of them are not.
I chose the same option: auto-pay with a credit card (instead of a bank debit) for a $5 discount. For the auto-pay I am using a card that gives me 5% bonus with telecom providers.
In January 2023, I used my annual free IHG night to stay in the Willard. The people at the reception were very polite, the room was spectacular. My problem was that they had a very elaborate coffee machine and I could not figure out how to use it. And I did not want to break it trying. And so I went back home early in the morning.Outer Marker wrote: ↑Mon Jan 15, 2024 9:49 amFalse. https://washington.intercontinental.com/adamthesmythe wrote: ↑Mon Jan 15, 2024 9:45 am I read that the Willard Hotel has permanently closed.
nonnie,
It looks like you are joking. But it's hard to tell.toddthebod wrote: ↑Tue Jan 02, 2024 5:12 pmSell everything today. Invest the proceeds in a money market fund until you spend it.VictoriaF wrote: ↑Tue Jan 02, 2024 5:10 pm What is a good month to sell old I Bonds?
This year I want to sell I Bonds that I purchased in the following months (fixed rate):
July 2010 (0.2%)
Oct 2010 (0.2%)
Jan 2012 (0%)
Mar 2014 (0.2%)
Nov 2015 (0.1%)
Jan 2016 (0.1%)
All these I Bonds are over 5 years long and so I won't be paying a 3-months penalty. I need to sell them for cash flow but I don't need to sell them all at once.
What is the optimal strategy for selling?
Thank you,
Victoria
Hi Bob,
Thank you for sharing your experience,nonnie wrote: ↑Thu Dec 21, 2023 4:43 pmThe USACPR used to be called the US Living Will Registry. One of the benefits of membership in Final Exit Network is a free lifetime membership for U.S. Advance Care Plan Registry (USACPR). I registered with US Living Will Registry a l-o-n-g time ago. I'd recommend them. I need to update all of my paperwork with them, thanks for the reminder.VictoriaF wrote: ↑Thu Dec 21, 2023 8:50 am
When I was investigating this topic a couple years ago (during COVID) I came across U.S. Advance Care Plan Registry (USACPR), https://www.usacpr.net/ , that seems to provide a registration that can be accessed even when you are away from your state. I am curious if anybody has used USACPR and how it worked for them.
Victoria
Thank you, stoptothink. I find your contributions valuable and followed up by trying Lugavere's podcast.stoptothink wrote: ↑Sun Dec 10, 2023 12:08 pm Max Lugavere's "The Genius Life" is a good resource for those who aren't "scientifically-minded". He's not an expert himself in any topic, but he's really good at breaking down research into easy to understand terms.
Merry Christmas, Jim!
I subscribe to Peter Attia's Drive and Huberman Lab. FoundmyFitness is Dr. Rhonda Patrick's program. She has some good information but her presentation style does not work for me and I stopped listening. I'll check out Wild Health.
I have an old Chase Freedom card that occasionally offers 5% at wholesale clubs. On such occasions, I buy several hundred dollars worth of Costco store cards and use these cards for many more months.mrmass wrote: ↑Mon Dec 04, 2023 3:42 pmThats true because they're not grocery stores. Chase has a Flex card that during a certain time period they give 5% at wholesale clubs like Sams, Walmart.Mattman25 wrote: ↑Mon Dec 04, 2023 3:19 pm For those of you with grocery cards, it is my understanding that most of the big superstores like Target, Walmart, Sam's Club, etc. will not register as grocery retailers. Is that true? These are pretty much the only places we shop at. We use Target Red Card for 5% off there, and I think Sam's has a 5% back card, but is there a good rewards CC for these types of retailers?
Micro-optimizations have behavioral advantages. It's less risky to play with the timing of I Bond purchases than looking for hot stocks. And the level of satisfaction is about the same.WhitePuma wrote: ↑Tue Dec 05, 2023 10:39 pmLife is a tapestry of micro-optimizations. This being one such opportunity.protagonist wrote: ↑Tue Dec 05, 2023 10:17 pm
i completely agree with this.
That said, I see no reason NOT to wait. It may be only $20/$10K in your pocket, but why not? You have a little to gain and nothing to lose by waiting.
It also buys you time to consider other investments.
For example, what if TIPS yields shoot up to 3% by the end of the month? You might reconsider your decision to put your money in I-bonds (though I agree the difference on a $10-20K investment would be fairly trivial).
Have you purchased 2.4% TIPS a while ago? The last time the 2.4% rate was on November 1st. I am trying to decide whether to buy TIPS at 2.2% real or wait for a higher rate.Richard1580 wrote: ↑Sun Nov 19, 2023 6:32 pmThis is the question I had been pondering. I decided that TIPS at 2.4%+ was better than I-Bonds at 1.3% (despite the "phantom" income tax versus tax deferral). Time will tell ...anon_investor wrote: ↑Sun Nov 19, 2023 6:24 pm Redeeming 0% fixed rate I Bonds makes sense. Is buying 1.3% fixed rate I Bonds or TIPS in taxable better total return if the plan is to hold long term?
Thank you, LadyGeek, that's right. I was not sure if I was formulating my questions well in the other thread and tried to present them differently here.LadyGeek wrote: ↑Fri Nov 17, 2023 3:58 pm FYI - VictoriaF has asked the same question here: Re: Trading Treasuries (nominal and TIPS) which received several answers.
The Settlement date for my purchase is November 20, 2023. Will on November 21, 2023, the value of my TIPS be (approximately) $15,833?FactualFran wrote: ↑Fri Nov 17, 2023 3:20 pmPart of the YTM is from the discount. The 2.36% is the real YTM, which is calculated from the values not adjusted for inflation. The price not adjusted for inflation was about 84.38 per $100 of par amount. The maturity amount not adjusted for inflation will be 100 per $100 of par amount.
Transactions are done in terms of the inflation-adjusted principal as of the settlement date of the transaction. The about $13,361 paid was for about $15,833 of inflation adjusted principal.