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I learned that investing is easy if you can accept market index returns. Don't believe you're smart enough to beat the market long term.
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- Thu Mar 14, 2024 9:42 pm
- Forum: Personal Finance (Not Investing)
- Topic: The best game-changing financial advice you ever received (or "discovered")
- Replies: 219
- Views: 25615
- Mon Mar 11, 2024 9:18 pm
- Forum: Personal Finance (Not Investing)
- Topic: Form 1116: Why did CPA put "General Category Income" for mutual fund income?
- Replies: 6
- Views: 789
Re: Form 1116: Why did CPA put "General Category Income" for mutual fund income?
I always use passive income for foreign income (ex-US equity ETF distributions).
- Mon Mar 11, 2024 9:08 pm
- Forum: Investing - Theory, News & General
- Topic: Now that long TIPS yields are 60 bp off their highs I will…
- Replies: 2953
- Views: 623532
Re: Now that long TIPS yields are 60 bp off their highs I will…
Today I sold out of all my TIPS. I had been thinking about this for a while. I don't think they are a good product *for me* since the way inflation is measured doesn't seem to have any correlation to my spending. What is your alternative? Nominal bonds have no gurantee against inflation. Stocks are volatile. Unfortunately, there is none. :( Good question; good answer. My plan is to own short, intermediate and ten year nominals along with duration matched TIPS. This is so hard to plan. It's nice to think TIPs can help with inflation but how helpful are they in the long run? Since we retired our total expenses for five years are: 2019 -- 97k (lightly used car purchase) 2020 -- 71k 2021 -- 80k (some home repair/remodeling) 2022 --123k (much m...
- Mon Mar 11, 2024 8:37 pm
- Forum: Personal Investments
- Topic: SS is insufficient, very little savings, what's the best option
- Replies: 49
- Views: 7957
Re: SS is insufficient, very little savings, what's the best option
Find out what programs are available and how to qualify. Medical, dental, food, nutrition, housing, utilities, discounts, etc.
- Sat Mar 09, 2024 11:11 pm
- Forum: Investing - Theory, News & General
- Topic: How Do You Like My New 'Doo
- Replies: 445
- Views: 107046
Re: How Do You Like My New 'Doo
Thank you for sharing your "New Doo" journey. It's interesting reading and thinking about your journey. I did some very lame-brained things early in my investment life, that cost me dearly but I was lucky enough to still save enough from a good enough career and conservative spending. I have now been retired for more than 5 years. I still find it hard to spend money even though it's clear that I can spend far more. It's interesting to read something I wrote years ago. It brings a feeling of awe when reminded of the things that I did and was concerned about. It reminds me that time doesn't stand still and life seems to be too short.
- Tue Feb 27, 2024 10:49 pm
- Forum: Investing - Theory, News & General
- Topic: Dot.Com Era/AI Era?
- Replies: 311
- Views: 29911
Re: Dot.Com Era/AI Era?
I studied AI in the early 1980's. I created a few 2nd generation expert systems. Learned how to program in Lisp among other things. The technology is very interesting, it was back then and even more so now.
The current AI news seems to be a lot of hype. Yes, computer technology has changed and is changing the world. I'm sure the news story masters are trying very hard to get people to read articles by using "AI" in the headlines. It's an attention grabber these days. I'm sure some very smart people will get rich by taking some big risks.
The current AI news seems to be a lot of hype. Yes, computer technology has changed and is changing the world. I'm sure the news story masters are trying very hard to get people to read articles by using "AI" in the headlines. It's an attention grabber these days. I'm sure some very smart people will get rich by taking some big risks.
- Sat Feb 24, 2024 5:20 pm
- Forum: Personal Finance (Not Investing)
- Topic: H&R Block Tax Software and Box 10 of Form 8606
- Replies: 2
- Views: 455
Re: H&R Block Tax Software and Box 10 of Form 8606
No experience with this issue but the following link is interesting:
https://www.irahelp.com/forum-post/3563 ... er-happens
https://www.irahelp.com/forum-post/3563 ... er-happens
- Mon Feb 19, 2024 9:59 am
- Forum: Investing - Theory, News & General
- Topic: Should I exclude LMP/TIPS ladder from portfolio tracking?
- Replies: 43
- Views: 2641
Re: Should I exclude LMP/TIPS ladder from portfolio tracking?
Yes and yes, I’d probably do both. It depends on how confident you are in yourself and the LMP plan.
- Sun Feb 11, 2024 10:57 am
- Forum: Personal Finance (Not Investing)
- Topic: Mechanics of Social Security Bridge?
- Replies: 22
- Views: 1848
Re: Mechanics of Social Security Bridge?
I think it is highly individual. Should be based on how much you want to spend each year (expenses - income).
- Wed Jan 24, 2024 3:31 pm
- Forum: Personal Consumer Issues
- Topic: Another Amazon Prime Stage of Evolution - Delivery
- Replies: 76
- Views: 7802
Re: Another Amazon Prime Stage of Evolution - Delivery
I get $21.44 as a prime member, Puget Sound Location, UShappyisland wrote: ↑Wed Jan 24, 2024 2:29 pm
Price for me as a Prime member: $22.59
Price for me when anonymous: $21.44! WHAT!
- Tue Jan 23, 2024 11:04 pm
- Forum: Personal Consumer Issues
- Topic: Surprise out of network
- Replies: 23
- Views: 2633
Re: Surprise out of network
It means nothing unless you verify with your insurance provider.
- Tue Jan 23, 2024 8:19 pm
- Forum: US Chapters
- Topic: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂
- Replies: 429
- Views: 43350
Re: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂
You are truly an inspiration to us. Happy 100th birthday.
- Tue Jan 23, 2024 4:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: Most popular boglehead withdrawal strategy
- Replies: 117
- Views: 13144
Re: Most popular boglehead withdrawal strategy
For the sake of it, every year I calculate values for three different methods, longinest's VPW, McClung's Extended Mortality, and Siamond's ABW. I don't use any of them for withdrawing money or to budget. I use them for metrics to determine if our spending is too high or too low each year. So far we have been too low.
- Mon Jan 22, 2024 9:21 pm
- Forum: Investing - Theory, News & General
- Topic: Do Bond Funds Really Make Sense for the Long Run?
- Replies: 399
- Views: 39313
Re: Do Bond Funds Really Make Sense for the Long Run?
<snip> Most of us are better off taking that inflation risk and retiring earlier. Inflation protection is for people that continue working because they would rather work than retire and for people that are willing to lower their success chance in order to manage volatility. It's tough to sell the latter as a risk-based reason. In my case I continued to work until about 60 to increase my fixed pension income. I wouldn’t have been better off retiring earlier. This practically eliminated my risk to out live my savings. SS and pension income should have us covered after I start taking SS at 70 in 5 years. Unless we get some very serious inflation spurts. I’m not sure I understand the latter message on “lower their success chance”. Sometimes pe...
- Mon Jan 22, 2024 8:36 pm
- Forum: Personal Consumer Issues
- Topic: Which Boston suburb to settle?
- Replies: 198
- Views: 18378
Re: Which Boston suburb to settle?
I would recommend generally, northwest towns bounded by I-95, Route 3. I-495 and mass pike. Not sure about the roads and snow though.
- Mon Jan 22, 2024 10:20 am
- Forum: Investing - Theory, News & General
- Topic: Do Bond Funds Really Make Sense for the Long Run?
- Replies: 399
- Views: 39313
Re: Do Bond Funds Really Make Sense for the Long Run?
what is wrong with purchasing bond funds when those positions are not intended to be used for wealth building or wealth-liquidation? What actually is the purpose of those funds? I don’t know, things happen, I don’t know if it will be wanted or needed. Maybe the plan fails. It’s always good to have a plan B or even plan C for “things that go bump in the night”. That sounds to me like a contingent personal expense fund with an indefinite horizon. Usually with such things, unexpected inflation is a significant risk, meaning you could experience a coincident need to spend out of these funds and unexpectedly high inflation. There are various possible ways of addressing that risk, but usually nominal market-rate fixed-income funds are not good c...
- Mon Jan 22, 2024 10:07 am
- Forum: Investing - Theory, News & General
- Topic: Do Bond Funds Really Make Sense for the Long Run?
- Replies: 399
- Views: 39313
Re: Do Bond Funds Really Make Sense for the Long Run?
what is wrong with purchasing bond funds when those positions are not intended to be used for wealth building or wealth-liquidation? What actually is the purpose of those funds? I don’t know, things happen, I don’t know if it will be wanted or needed. Maybe the plan fails. It’s always good to have a plan B or even plan C for “things that go bump in the night”. I use long nominal bonds for the case where the economy is faltering (stocks perform poorly) and interest rates will be cut to stimulate the economy. I help maintain the size of my stock allocation when future returns look worse and when it is not because of rising interest rates. You can look back at history and see that this is a common scenario. I also have 3 years of I-bonds when...
- Mon Jan 22, 2024 9:17 am
- Forum: Investing - Theory, News & General
- Topic: Do Bond Funds Really Make Sense for the Long Run?
- Replies: 399
- Views: 39313
Re: Do Bond Funds Really Make Sense for the Long Run?
I don’t know, things happen, I don’t know if it will be wanted or needed. Maybe the plan fails. It’s always good to have a plan B or even plan C for “things that go bump in the night”.
- Mon Jan 22, 2024 9:08 am
- Forum: Investing - Theory, News & General
- Topic: Do Bond Funds Really Make Sense for the Long Run?
- Replies: 399
- Views: 39313
Re: Do Bond Funds Really Make Sense for the Long Run?
A nominal bond fund is a miscegenation: a futile attempt to build wealth using a wealth-liquidation or wealth maintenance instrument. It might be a futile attempt to build wealth, but what is wrong with purchasing bond funds when those positions are not intended to be used for wealth building or wealth-liquidation? If I have enough income streams, already such as pensions, SS and don’t want to take on more equity risks, what is the need for more risk? What if the willingness for more equity exposure exceeds desired, but could willingly accept lower volatility investments such as intermediate bonds for wealth maintenance reasons? For wealth maintenance, why own a nominal bond fund instead of TIPS? I have no objections to TIPS bond funds or ...
- Sun Jan 21, 2024 11:36 pm
- Forum: Investing - Theory, News & General
- Topic: Do Bond Funds Really Make Sense for the Long Run?
- Replies: 399
- Views: 39313
Re: Do Bond Funds Really Make Sense for the Long Run?
A nominal bond fund is a miscegenation: a futile attempt to build wealth using a wealth-liquidation or wealth maintenance instrument. It might be a futile attempt to build wealth, but what is wrong with purchasing bond funds when those positions are not intended to be used for wealth building or wealth-liquidation? If I have enough income streams, already such as pensions, SS and don’t want to take on more equity risks, what is the need for more risk? What if the willingness for more equity exposure exceeds desired, but could willingly accept lower volatility investments such as intermediate bonds for wealth maintenance reasons? Old people (me) should not have any money in bond funds but only in annuities, ladders, or stable value Many old...
- Thu Jan 18, 2024 9:02 pm
- Forum: Personal Finance (Not Investing)
- Topic: Anyone Using Fidelity for Their Checking Account?
- Replies: 75
- Views: 6231
Re: Anyone Using Fidelity for Their Checking Account?
I ues a CMA for ATM withdrawals (ATM fees are automatically reimbursed with the CMA) and check writing. I figure if anything happens with my debit card or checks (washing) it won’t affect my main account. Unless you are using the main account for overdraft protection. This is what I'm wrestling with.... it seems like there should be a third account, which the CMA cannot pull $$ from, in the event of a check-washing overdraft situation. Either that, or minimize the amount of funds in the main account's MMF so that only a small amount can be pulled for overdraft. This is where the new Vanguard Cash Plus (with no check or ATM access whatsoever) account comes in. Use it as main checking for direct deposit and ACH billpay, and use Fidelity CMA ...
- Thu Jan 18, 2024 8:15 pm
- Forum: Personal Finance (Not Investing)
- Topic: Anyone Using Fidelity for Their Checking Account?
- Replies: 75
- Views: 6231
Re: Anyone Using Fidelity for Their Checking Account?
I keep a small amount in the money market fund, for the occasional check that is written. I don't like to write checks from my primary local brick-and-mortar bank checking account for security reasons.
- Thu Jan 18, 2024 6:30 pm
- Forum: Personal Finance (Not Investing)
- Topic: New Fidelity Private Client Policy?
- Replies: 44
- Views: 6650
Re: New Fidelity Private Client Policy?
I had a photo of a nice looking guy now I don’t, he probably got too many grey hairs. I used to get free turbo tax now I haven’t for the past several years.Cocoa Beach Bum wrote: ↑Thu Jan 18, 2024 6:14 pmDitto.Jack FFR1846 wrote: ↑Thu Jan 18, 2024 3:59 pm Under my "Fidelity Private Client" box, it says "Contact your team". Some time ago, there used to be the name of some guy with his picture. I have a couple million with Fidelity and have never used the Private Client guy for anything. I do still see the free turbo tax ... .
- Thu Jan 18, 2024 5:28 pm
- Forum: Personal Finance (Not Investing)
- Topic: IRS Direct Pay Questions
- Replies: 6
- Views: 722
Re: IRS Direct Pay Questions
You should be able to find your direct pay and other estimated tax contributions on your IRS.gov website.
- Wed Jan 17, 2024 9:14 am
- Forum: Investing - Theory, News & General
- Topic: TIPs in low inflation
- Replies: 25
- Views: 2969
Re: TIPs in low inflation
^ +1dbr wrote: ↑Wed Jan 17, 2024 8:05 am A balanced portfolio investor who selects his bonds and then after the fact agonizes over bond volatility is basically in a hell of his own creation that can be escaped by either just ignoring it or by making a choice of duration more suitable to a person's psychological comfort in the first place. You pays your money and you takes your choice.
I love this quote
- Tue Jan 16, 2024 10:34 pm
- Forum: Personal Consumer Issues
- Topic: Wood floor installation questions
- Replies: 33
- Views: 2863
Re: Wood floor installation questions
I think engineered wood flooring products are at best water resistant, not waterproof especially after it has some sort of wear. We like our luxury vinyl flooring because it will not get damaged from some water, as long as the subfloor doesn’t get damaged we’re good. LVT works well in the kitchen flows well throughout the dining and hallway. Damp wiping cleans the surface easily.
- Tue Jan 16, 2024 6:45 pm
- Forum: Personal Investments
- Topic: Mega Backdoor Roth Question - Company Savings Plan to Fidelity
- Replies: 4
- Views: 467
Re: Mega Backdoor Roth Question - Company Savings Plan to Fidelity
I’d look into getting two checks.
First check is the after tax contributions written to your Fidelity Roth account for the benefit of you
Second check is the gains on the after tax contributions written to your Fidelity tIRA for the benefit of you
Doing it this way doesn’t create a taxable event. If you can’t separate the gains from the contributions then the gains that get transferred to Roth become a taxable event.
First check is the after tax contributions written to your Fidelity Roth account for the benefit of you
Second check is the gains on the after tax contributions written to your Fidelity tIRA for the benefit of you
Doing it this way doesn’t create a taxable event. If you can’t separate the gains from the contributions then the gains that get transferred to Roth become a taxable event.
- Wed Jan 10, 2024 8:45 pm
- Forum: Personal Investments
- Topic: Real estate as % of net worth?
- Replies: 53
- Views: 6744
Re: Real estate as % of net worth?
I think it’s probably not that important as long as you’re able to save enough for retirement. You don’t want to be house poor. Could be a big range based on if you live in a high cost of living area or how much equity you have.
- Thu Jan 04, 2024 9:12 pm
- Forum: Personal Consumer Issues
- Topic: Enormous Property Tax Increase
- Replies: 66
- Views: 9988
Re: Enormous Property Tax Increase
In 2021 my taxes were up about 33%, with an assessment of 41% more. Most were up about 20% or more in the neighborhood that year. My understanding they reassessed the entire local neighborhood and my property was previously under-assessed since we had new siding and windows. Still no major changes, additions, driveways, landscaping or walkways and a 33% jump. They seem to drive through and physically check satellite imagery every 6 years or so.
- Mon Jan 01, 2024 10:49 am
- Forum: Investing - Theory, News & General
- Topic: 2024 BOGLEHEAD CONTEST REGISTRATION
- Replies: 579
- Views: 40044
- Thu Dec 28, 2023 4:59 pm
- Forum: Investing - Theory, News & General
- Topic: How Do You Like My New 'Doo
- Replies: 445
- Views: 107046
Re: How Do You Like My New 'Doo
I am thinking all of this over, I haven't settled on a final withdrawal strategy. nedsaid, I’m sure you will figure this out. While retired I have mulled over this for 5 years, but basically it comes down to following a retirement policy statement (RPS) and an investment policy statement (IPS). My retirement plan is flexible enough that I don’t need to spend attention my withdrawals any more than the other details of my retirement. The key thing in my mind is finding a plan that works well for YOU. I track my spending and investments and do an updated annual plan for the new year and review for the previous year. It can be interesting to read previous reports. I tend to think things through in more detail if I am documenting them.
- Sat Dec 16, 2023 4:28 pm
- Forum: Personal Finance (Not Investing)
- Topic: Fidelity free Turbotax 2023
- Replies: 435
- Views: 156999
Re: Fidelity free Turbotax 2023
I don’t believe it’s worth it, but I don’t believe that a preference to the passive and tight-lipped investor will stop the occasional Fidelity cold call. TT deluxe is not even worth $45 for me. I like TT but I don’t need TT. Other tax software might serve you just as well. I purchased H&R Block Deluxe federal (I don’t need state) for $18 from Newegg. It was a waste of time for me last year to try.
- Fri Dec 15, 2023 10:34 pm
- Forum: Personal Finance (Not Investing)
- Topic: Fidelity free Turbotax 2023
- Replies: 435
- Views: 156999
Re: Fidelity Gave Me Free Turbo Tax?
Fidelity doesn't outright reveal what the rules are and the goalpost might be changing each year. I have ~2 mil and have been an investor with Fidelity since mid-1980 but I got no offer this year and last year but have had offers for several years before with less than 1 mil invested. I have never been an active trader. Out of curiosity, did you have an assigned rep and lose them when you stopped getting the offer? I probably did by default, I remember a name appearing automatically when statements said Fidelity Premium Services, but never paid much attention to whether I had one or not when I received the Free TurboTax offer. I never did call that Fidelity person, always called the Fidelity main number. After several years of getting the ...
- Thu Dec 14, 2023 11:10 pm
- Forum: Personal Finance (Not Investing)
- Topic: Fidelity free Turbotax 2023
- Replies: 435
- Views: 156999
Re: Fidelity Gave Me Free Turbo Tax?
This is a first for me. I'm wondering if it's because I moved all my assets to Fido this year. But I'm only at mid-six figures. Small fish. Anyone else get free Turbo Tax through Fido? Hmm... probably not, I have over $600K with Fidelity, I got no such offer. Probably some other parameters. Mine are primarily retirement assets, they may be targeting taxable brokerage accounts with high balances, speculating here. It's typically $1m in assets, but it can be lower if you are an active trader. And I''m not sure what you mean by retirement assets, but if they are in a 401k/HSA they do not count. IRA's would. Fidelity doesn't outright reveal what the rules are and the goalpost might be changing each year. I have ~2 mil and have been an investor...
- Sat Dec 09, 2023 10:03 pm
- Forum: Personal Finance (Not Investing)
- Topic: MegaCorp Blues - Need your advice!
- Replies: 33
- Views: 3845
Re: MegaCorp Blues - Need your advice!
I worked my butt off last year Unfortunately that’s not the always best way to get a raise. In my experience, I have found that being assigned a key position that get serious attention from higher ups is much more important and impressive. How well polished are your social interactions with others that can influence your future as well. Engineers in general are poor at these people soft skills. These skills are badly needed and necessary for Engineers that want to do better. It’s very hard to get these positions assigned to you without these soft skills. These soft skills are not always easy to acquire. They include, communication, leadership, emotional intelligence, creativity, active listening, negotiation, collaboration, empathy, confid...
- Sat Dec 09, 2023 9:04 pm
- Forum: Personal Finance (Not Investing)
- Topic: What are the Benefits and Perks of Fidelity Private Client Group?
- Replies: 46
- Views: 6442
Re: What are the Benefits and Perks of Fidelity Private Client Group?
Fidelity's Private Client Group provides me nothing of value as far as I can tell. It’s just a status declaration on my Fidelity login and statements. I think in some cases an assigned rep from the PCG might help someone sleep better at night knowing that they have someone assigned who can provide support when needed. In general though this usually is meet with some sort of low pressure linked sales pitch because they know that PCG means a bigger fish to try to haul in.
- Thu Dec 07, 2023 6:27 pm
- Forum: Investing - Theory, News & General
- Topic: ishares defined maturity TIPS ETF
- Replies: 2
- Views: 629
Re: ishares defined maturity TIPS ETF
I don't think too many BHs are using ishares defined maturity TIPS ETFs. Allan Roth wrote a brief blog about them here: https://www.etf.com/sections/features/case-blackrocks-new-defined-maturity-tips-etfs It looks like from here https://www.ishares.com/us/strategies/bond-etfs/build-better-bond-ladders IBIA terminates around October 15, 2024 IBIB terminates around October 15, 2025 IBIC terminates around October 15, 2026 IBID terminates around October 15, 2027 IBIE terminates around October 15, 2028 IBIF terminates around October 15, 2029 IBIG terminates around October 15, 2030 IBIH terminates around October 15, 2031 IBII terminates around October 15, 2032 IBIJ terminates around October 15, 2033 The prospectus says: Dividends and Distribution...
- Thu Dec 07, 2023 5:10 pm
- Forum: Personal Consumer Issues
- Topic: T5 engineering school or in-state T35 with full-ride?
- Replies: 285
- Views: 41410
Re: T5 engineering school or in-state T35 with full-ride?
2. The big difference is going to to be in the "average" or below average students. I have a large network of GT alums, most in the 20-25 year post-graduate range. I'm struggling to think of anyone who likely makes less than $150k per year (I obviously don't know exact salaries, just going based on jobs and what I know about them), and most live in MCOL, not California, NYC, etc. Large majority are over $200k. Many had below average GPAs. Of the many UF grads I know, I can't think of any that likely make more than $200k - granted most were not engineering majors. 3. People regularly say school only matters for your first job. As a blanket statement, this is patently FALSE . It depends on the hiring manager, but I think this is so...
- Mon Dec 04, 2023 3:49 pm
- Forum: Personal Consumer Issues
- Topic: T5 engineering school or in-state T35 with full-ride?
- Replies: 285
- Views: 41410
Re: T5 engineering school or in-state T35 with full-ride?
I'm OP. Thanks for your inputs. It's nice to see different opinions, which indicates this is not an easy question. I'm surprised to see several ppl would pay $300k for UCB but not $200k for GT. IMO, GT has a better "engineering" program than UCB. US News, if anyone cares, also ranked GT higher than UCB. (https://www.usnews.com/best-colleges/rankings/engineering-doctorate) This has me confused as well but I’m clearly biased towards Georgia Tech, a graduate school alumnus. Graduate school costs were almost fully funded a with a teaching assistant job. The aerospace job market is big in the south/midwest not so much in California anymore, and shrinking in the northwest. I think Geographically Georgia Tech is great for a budding stud...
- Sat Dec 02, 2023 10:29 pm
- Forum: Personal Consumer Issues
- Topic: Gym is not honoring the contract.
- Replies: 37
- Views: 5126
Re: Gym is not honoring the contract.
I would guess the last annual payment you made did not include a guaranteed rate option and that provision was phased out. They probably didn't even let you know that. For this reason, I would complain to the owner/manager. If they are reasonable you might be able to get a reprieve for a few months.
- Sat Dec 02, 2023 7:04 pm
- Forum: Personal Consumer Issues
- Topic: T5 engineering school or in-state T35 with full-ride?
- Replies: 285
- Views: 41410
Re: T5 engineering school or in-state T35 with full-ride?
+1Watty wrote: ↑Sat Dec 02, 2023 3:49 pm And still yet another thought.
You did not mention if you have any other kids. If so then the family dynamics can get complicated if you spend different amounts of money on their educations. There is nothing that says that you have to spend equally on them but if you do spend different amounts then it would be good to think through the implications ahead of time.
Extremely important to keeping family happy and in harmony. Something my parents didn’t do very well.
- Sat Dec 02, 2023 11:55 am
- Forum: Personal Consumer Issues
- Topic: T5 engineering school or in-state T35 with full-ride?
- Replies: 285
- Views: 41410
Re: T5 engineering school or in-state T35 with full-ride?
My engineering school is probably not relevant since it was over 40 years ago. My parents insisted that I take the low-cost path from going to engineering school at the flagship state university even though they could easily pay for a more expensive private option. The state university had a reputation as a weed-out school since the acceptance standards were not very strict. Many students failed classes and average GPA scores were very low. My freshman and sophomore years were mostly a test of my ability to survive, many did not. Fortunately, I did survive and I later attended graduate school at Georgia Tech. The Aerospace Engineering program had and still has an outstanding reputation nationally. A good friend at Georgia Tech did find his ...
- Mon Nov 27, 2023 9:34 pm
- Forum: Personal Investments
- Topic: Wash Sale Substantially Identical
- Replies: 19
- Views: 2165
Re: Wash Sale Substantially Identical
I say no.
- Mon Nov 27, 2023 9:29 pm
- Forum: Investing - Theory, News & General
- Topic: TIPS reinvestment risk
- Replies: 25
- Views: 3346
Re: TIPS reinvestment risk
The investor gets an inflation index plus the real yields over the initial term. If the investor still expects to get an inflation index and zero real yields when reinvesting, what is the reinvestment risk?
This seems to be an opportunity cost for not being willing to extend the investment term at the time of the investment when the real rates are good. This decision could have been based on a plan from not knowing how much lumpy or discretionary spending would be needed projected out several years into the future.
This seems to be an opportunity cost for not being willing to extend the investment term at the time of the investment when the real rates are good. This decision could have been based on a plan from not knowing how much lumpy or discretionary spending would be needed projected out several years into the future.
- Mon Nov 27, 2023 2:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: Fidelity Full View - recent experiences?
- Replies: 33
- Views: 9632
Re: Fidelity Full View - recent experiences?
My customized report in the updated “full view” is no longer available. I needed to revert back to the previous “full view”.
- Sun Nov 26, 2023 8:58 pm
- Forum: US Chapters
- Topic: What's changed in the last 10 years Bogleheads?
- Replies: 279
- Views: 57654
Re: What's changed in the last 10 years Bogleheads?
we still know nothing
- Sun Nov 26, 2023 9:45 am
- Forum: Personal Investments
- Topic: Stable value fund with 4% guarantee…what would you do?
- Replies: 10
- Views: 993
Re: Stable value fund with 4% guarantee…what would you do?
You say the money you remove is forever removed from the plan but I bet the 4% stable value guarantee is not forever.
- Fri Nov 24, 2023 9:47 am
- Forum: Personal Consumer Issues
- Topic: Problems remoting to a Windows Machine from Linux using Remmina
- Replies: 7
- Views: 763
Re: Problems remoting to a Windows Machine from Linux using Remmina
I’m not an expert in this field but you might want to read this.
https://support.microsoft.com/en-us/win ... Windows_11
Do you have a client for the windows machine setup?
https://support.microsoft.com/en-us/win ... Windows_11
Do you have a client for the windows machine setup?
- Sat Nov 18, 2023 2:32 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medicare Advantage EGWP vs. Public MA Plans
- Replies: 28
- Views: 3263
Re: Medicare Advantage EGWP vs. Public MA Plans
OpenMinded1, I’m not an expert in the field, I turn 65 next year. From what I know PPO can be better than HMOs. Still the problem becomes how many doctors will be willing to accept payment from any given Advantage plan. One Advantage plan may work in one community but not in another. If your company sponsors a plan you don’t get to choose unless you want to leave, if you leave, you and your spouse gets dropped. From time to time the sponsor will shop your plan and you may end up with a plan that doesn’t work very well in your community. After I leave the sponsored plan I and my wife can never get back on the sponsored plan. You don’t get to shop your sponsored plan the company does this for you. They can even have lower payment rates than ...
- Sat Nov 18, 2023 10:23 am
- Forum: Personal Finance (Not Investing)
- Topic: Medicare Advantage EGWP vs. Public MA Plans
- Replies: 28
- Views: 3263
Re: Medicare Advantage EGWP vs. Public MA Plans
OpenMinded1, I’m not an expert in the field, I turn 65 next year. From what I know PPO can be better than HMOs. Still the problem becomes how many doctors will be willing to accept payment from any given Advantage plan. One Advantage plan may work in one community but not in another. If your company sponsors a plan you don’t get to choose unless you want to leave, if you leave, you and your spouse gets dropped. From time to time the sponsor will shop your plan and you may end up with a plan that doesn’t work very well in your community. After I leave the sponsored plan I and my wife can never get back on the sponsored plan. You don’t get to shop your sponsored plan the company does this for you. They can even have lower payment rates than o...