Search found 1978 matches

by 2pedals
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

Re: The best game-changing financial advice you ever received (or "discovered")

Finding this website

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.
by 2pedals
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).
by 2pedals
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...
by 2pedals
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.
by 2pedals
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.
by 2pedals
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.
by 2pedals
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
by 2pedals
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.
by 2pedals
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).
by 2pedals
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

happyisland 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!
I get $21.44 as a prime member, Puget Sound Location, US
by 2pedals
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.
by 2pedals
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.
by 2pedals
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.
by 2pedals
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...
by 2pedals
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.
by 2pedals
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...
by 2pedals
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...
by 2pedals
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?

NiceUnparticularMan wrote: Mon Jan 22, 2024 6:12 am
2pedals wrote: Sun Jan 21, 2024 11:36 pm 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”.
by 2pedals
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 ...
by 2pedals
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...
by 2pedals
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 ...
by 2pedals
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.
by 2pedals
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?

Cocoa Beach Bum wrote: Thu Jan 18, 2024 6:14 pm
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 ... .
Ditto.
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.
by 2pedals
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.
by 2pedals
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

dbr 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.
^ +1
I love this quote
by 2pedals
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.
by 2pedals
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.
by 2pedals
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.
by 2pedals
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.
by 2pedals
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.
by 2pedals
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

Dregob wrote: Sat Dec 16, 2023 3:38 pm
Same here. Low 7 figure tIRA and 6 figure brokerage account. I could contact them but is it worth opening that line of communication to save $45 (TT deluxe from Amazon). So far no Fidelity cold calls and I like that!
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.
by 2pedals
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 ...
by 2pedals
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...
by 2pedals
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...
by 2pedals
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.
by 2pedals
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...
by 2pedals
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...
by 2pedals
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...
by 2pedals
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.
by 2pedals
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?

Watty 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.
+1
Extremely important to keeping family happy and in harmony. Something my parents didn’t do very well.
by 2pedals
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 ...
by 2pedals
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.
by 2pedals
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.
by 2pedals
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”.
by 2pedals
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
by 2pedals
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.
by 2pedals
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?
by 2pedals
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 ...
by 2pedals
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...