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Groups > comp.sys.mac.advocacy > #149423 > unrolled thread

Apple Store appointment today

Started byTom Elam <thomas.e.elam@gmail.com>
First post2026-10-14 11:22 -0400
Last post2026-10-15 12:16 -0400
Articles 14 on this page of 54 — 6 participants

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Contents

  Apple Store appointment today Tom Elam <thomas.e.elam@gmail.com> - 2026-10-14 11:22 -0400
    Re: Apple Store appointment today Alan <nuh-uh@nope.com> - 2026-10-14 10:27 -0700
      Re: Apple Store appointment today Tom Elam <thomas.e.elam@gmail.com> - 2026-10-14 16:01 -0400
        Re: Apple Store appointment today Alan <nuh-uh@nope.com> - 2026-10-14 13:23 -0700
          Re: Apple Store appointment today Tom Elam <thomas.e.elam@gmail.com> - 2026-10-15 07:16 -0400
            Re: Apple Store appointment today Alan <nuh-uh@nope.com> - 2026-10-15 10:15 -0700
    Re: Apple Store appointment today Tom Elam <thomas.e.elam@gmail.com> - 2026-10-14 15:59 -0400
      Re: Apple Store appointment today Alan <nuh-uh@nope.com> - 2026-10-14 13:24 -0700
        Re: Apple Store appointment today Tom Elam <thomas.e.elam@gmail.com> - 2026-10-14 18:27 -0400
          Re: Apple Store appointment today "Joel W. Crump" <joelcrump@gmail.com> - 2026-10-14 19:30 -0400
            Re: Apple Store appointment today CrudeSausage <crude@sausa.ge> - 2026-10-14 19:52 -0400
              Re: Apple Store appointment today "Joel W. Crump" <joelcrump@gmail.com> - 2026-10-14 21:16 -0400
                Re: Apple Store appointment today Brock McNuggets <brock.mcnuggets@gmail.com> - 2026-10-14 18:32 -0700
                Re: Apple Store appointment today CrudeSausage <crude@sausa.ge> - 2026-10-14 21:59 -0400
                  Re: Apple Store appointment today "Joel W. Crump" <joelcrump@gmail.com> - 2026-10-14 22:26 -0400
                    Re: Apple Store appointment today CrudeSausage <crude@sausa.ge> - 2026-10-15 08:10 -0400
          Re: Apple Store appointment today CrudeSausage <crude@sausa.ge> - 2026-10-14 19:50 -0400
          Re: Apple Store appointment today Alan <nuh-uh@nope.com> - 2026-10-14 17:10 -0700
            Re: Apple Store appointment today Tom Elam <thomas.e.elam@gmail.com> - 2026-10-15 06:49 -0400
              Re: Apple Store appointment today Alan <nuh-uh@nope.com> - 2026-10-15 09:22 -0700
                Re: Apple Store appointment today Tom Elam <thomas.e.elam@gmail.com> - 2026-10-16 14:38 -0400
                  Re: Apple Store appointment today Alan <nuh-uh@nope.com> - 2026-10-16 12:39 -0700
                    Re: Apple Store appointment today Tom Elam <thomas.e.elam@gmail.com> - 2026-10-21 09:15 -0400
                      Re: Apple Store appointment today CrudeSausage <crude@sausa.ge> - 2026-10-21 11:31 -0400
                        Re: Apple Store appointment today Tom Elam <thomas.e.elam@gmail.com> - 2026-10-21 15:22 -0400
                          Re: Apple Store appointment today Brock McNuggets <brock.mcnuggets@gmail.com> - 2026-10-21 12:27 -0700
                          Re: Apple Store appointment today CrudeSausage <crude@sausa.ge> - 2026-10-21 15:36 -0400
                            Re: Apple Store appointment today Alan <nuh-uh@nope.com> - 2026-10-21 12:47 -0700
                            Re: Apple Store appointment today Tom Elam <thomas.e.elam@gmail.com> - 2026-10-21 18:04 -0400
                              Re: Apple Store appointment today Brock McNuggets <brock.mcnuggets@gmail.com> - 2026-10-21 15:34 -0700
                              Re: Apple Store appointment today CrudeSausage <crude@sausa.ge> - 2026-10-21 18:52 -0400
                                Re: Apple Store appointment today Brock McNuggets <brock.mcnuggets@gmail.com> - 2026-10-21 16:36 -0700
                      Re: Apple Store appointment today Alan <nuh-uh@nope.com> - 2026-10-21 12:35 -0700
                        Re: Apple Store appointment today Tom Elam <thomas.e.elam@gmail.com> - 2026-10-21 18:02 -0400
                          Re: Apple Store appointment today Alan <nuh-uh@nope.com> - 2026-10-21 15:30 -0700
                            Re: Apple Store appointment today Brock McNuggets <brock.mcnuggets@gmail.com> - 2026-10-21 16:48 -0700
                            Re: Apple Store appointment today Tom Elam <thomas.e.elam@gmail.com> - 2026-10-22 08:10 -0400
                              Re: Apple Store appointment today -hh <recscuba_google@huntzinger.com> - 2026-10-22 08:54 -0400
                                Re: Apple Store appointment today Tom Elam <thomas.e.elam@gmail.com> - 2026-10-22 09:23 -0400
                                  Re: Apple Store appointment today -hh <recscuba_google@huntzinger.com> - 2026-10-22 13:33 -0400
                                    Re: Apple Store appointment today Tom Elam <thomas.e.elam@gmail.com> - 2026-10-22 16:47 -0400
                                      Re: Apple Store appointment today Alan <nuh-uh@nope.com> - 2026-10-22 14:18 -0700
                                        Re: Apple Store appointment today Brock McNuggets <brock.mcnuggets@gmail.com> - 2026-10-22 16:14 -0700
                                        Re: Apple Store appointment today Tom Elam <thomas.e.elam@gmail.com> - 2026-10-23 05:22 -0400
                                          Re: Apple Store appointment today Alan <nuh-uh@nope.com> - 2026-10-23 08:28 -0700
                                            Re: Apple Store appointment today Tom Elam <thomas.e.elam@gmail.com> - 2026-10-26 07:43 -0400
                                        Re: Apple Store appointment today -hh <recscuba_google@huntzinger.com> - 2026-10-23 06:44 -0400
                                    Re: Apple Store appointment today Tom Elam <thomas.e.elam@gmail.com> - 2026-10-23 05:24 -0400
                                      Re: Apple Store appointment today -hh <recscuba_google@huntzinger.com> - 2026-10-23 06:44 -0400
                                        Re: Apple Store appointment today Tom Elam <thomas.e.elam@gmail.com> - 2026-10-26 08:05 -0400
                                          Re: Apple Store appointment today -hh <recscuba_google@huntzinger.com> - 2026-10-26 09:46 -0400
                            Re: Apple Store appointment today Tom Elam <thomas.e.elam@gmail.com> - 2026-10-22 09:15 -0400
    Re: Apple Store appointment today Tom Elam <thomas.e.elam@gmail.com> - 2026-10-15 11:53 -0400
      Re: Apple Store appointment today CrudeSausage <crude@sausa.ge> - 2026-10-15 12:16 -0400

Page 3 of 3 — ← Prev page 1 2 [3]


#149743

FromTom Elam <thomas.e.elam@gmail.com>
Date2026-10-22 16:47 -0400
Message-ID<11bdspn$177p5$1@dont-email.me>
In reply to#149739
On 10/22/26 1:33 PM, -hh wrote:
> "Except that by the reasonable person standard, whoever holds a track 
> record would be considered to be an 'exceptional' driver...right?"

Except Alan never held the fastest FF lap track record. For anything in 
fact. Except maybe #2 and #3 finishes. The person who help that record 
is exceptional.

He has bragged about the number of podium finishes. BUT, many of the 
races had 5 or fewer cars running.

[toc] | [prev] | [next] | [standalone]


#149744

FromAlan <nuh-uh@nope.com>
Date2026-10-22 14:18 -0700
Message-ID<11bduig$17tt7$3@dont-email.me>
In reply to#149743
On 2026-10-22 13:47, Tom Elam wrote:
> On 10/22/26 1:33 PM, -hh wrote:
>> "Except that by the reasonable person standard, whoever holds a track 
>> record would be considered to be an 'exceptional' driver...right?"
> 
> Except Alan never held the fastest FF lap track record. For anything in 
> fact. Except maybe #2 and #3 finishes. The person who help that record 
> is exceptional.

Correct. I was SECOND-fastest...

> 
> He has bragged about the number of podium finishes. BUT, many of the 
> races had 5 or fewer cars running.

When have I ever bragged about podium finishes, Liarboy?

I checked, and in only two threads on CSMA have I ever even mentioned 
the word "podium", and in one of them, I was quoting OTHER racers.

So, as usual, the Liarboy lies.

[toc] | [prev] | [next] | [standalone]


#149746

FromBrock McNuggets <brock.mcnuggets@gmail.com>
Date2026-10-22 16:14 -0700
Message-ID<1792710873.C2D694F3@gmail.com>
In reply to#149744
On Oct 22, 2026 at 2:18 PM, Alan wrote in 11bduig$17tt7$3@dont-email.me:
> On 2026-10-22 13:47, Tom Elam wrote:
>> On 10/22/26 1:33 PM, -hh wrote:
>>> "Except that by the reasonable person standard, whoever holds a
>>> track record would be considered to be an 'exceptional'
>>> driver...right?"
>>
>> Except Alan never held the fastest FF lap track record. For anything
>> in fact. Except maybe #2 and #3 finishes. The person who help that
>> record is exceptional.
> 
> Correct. I was SECOND-fastest...
> 
>>
>> He has bragged about the number of podium finishes. BUT, many of the
>> races had 5 or fewer cars running.
> 
> When have I ever bragged about podium finishes, Liarboy?
> 
> I checked, and in only two threads on CSMA have I ever even mentioned
> the word "podium", and in one of them, I was quoting OTHER racers.
> 
> So, as usual, the Liarboy lies.
> 

Which ones are we disagreeing on:

  1. More hilarious with every post he makes
  2. OT: An somewhat abbreviated race weekend
  3. Re: Guess who's back at Mission Raceway?
  4. Getting educated... (was Re: OT: An somewhat abbreviated race

I might have made a mistake but I do not think so.

-- 
It's impossible for someone who is at war with themselves to be at peace
with you.

[toc] | [prev] | [next] | [standalone]


#149750

FromTom Elam <thomas.e.elam@gmail.com>
Date2026-10-23 05:22 -0400
Message-ID<11bf8vv$1l4ra$1@dont-email.me>
In reply to#149744
On 10/22/26 5:18 PM, Alan wrote:
> On 2026-10-22 13:47, Tom Elam wrote:
>> On 10/22/26 1:33 PM, -hh wrote:
>>> "Except that by the reasonable person standard, whoever holds a track 
>>> record would be considered to be an 'exceptional' driver...right?"
>>
>> Except Alan never held the fastest FF lap track record. For anything 
>> in fact. Except maybe #2 and #3 finishes. The person who help that 
>> record is exceptional.
> 
> Correct. I was SECOND-fastest...
> 
>>
>> He has bragged about the number of podium finishes. BUT, many of the 
>> races had 5 or fewer cars running.
> 
> When have I ever bragged about podium finishes, Liarboy?
> 
> I checked, and in only two threads on CSMA have I ever even mentioned 
> the word "podium", and in one of them, I was quoting OTHER racers.
> 
> So, as usual, the Liarboy lies.

There was one in 2014, your first podium finish. My record of all posts 
has a huge hole between 2024 and 2026. Eternal September's retention 
policy is lacking.

The I found is a definite brag.

Searching Google News:

"OT: Purely to annoy the fan boys and trolls, I had a great weekend
1"


Alan Baker
unread,
May 27, 2014, 1:30:51 PM
to
...thanks for asking!

Friday was frustrating; pouring rain and teething troubles with the car
(mostly ignition timing and a dragging rear brake).

Saturday, I sorted out the timing problems and finally diagnosed the
dragging brake (the banjo bolt was a little too long for the slightly
thicker brake pads I'd installed), but getting it all done meant that I
missed qualifying and had to start from the back of the field. I passed
all the Formula Vees and three of the Formula Fords to finish 5th in
class.

Sunday, it finally all came together. The car was working right--just
some minor oil seepage, and I was fastest in practice (although I'm
sure I would have been second if the fastest FF driver had come out),
took third in qualifying, and had some good back and forth racing in
the middle pack to take third in the race. My first podium!

So, I know you trolls all missed me, but now you know why I had to
leave you bereft.

[toc] | [prev] | [next] | [standalone]


#149759

FromAlan <nuh-uh@nope.com>
Date2026-10-23 08:28 -0700
Message-ID<11bfuf8$1tvlp$1@dont-email.me>
In reply to#149750
On 2026-10-23 02:22, Tom Elam wrote:
> On 10/22/26 5:18 PM, Alan wrote:
>> On 2026-10-22 13:47, Tom Elam wrote:
>>> On 10/22/26 1:33 PM, -hh wrote:
>>>> "Except that by the reasonable person standard, whoever holds a 
>>>> track record would be considered to be an 'exceptional' 
>>>> driver...right?"
>>>
>>> Except Alan never held the fastest FF lap track record. For anything 
>>> in fact. Except maybe #2 and #3 finishes. The person who help that 
>>> record is exceptional.
>>
>> Correct. I was SECOND-fastest...
>>
>>>
>>> He has bragged about the number of podium finishes. BUT, many of the 
>>> races had 5 or fewer cars running.
>>
>> When have I ever bragged about podium finishes, Liarboy?
>>
>> I checked, and in only two threads on CSMA have I ever even mentioned 
>> the word "podium", and in one of them, I was quoting OTHER racers.
>>
>> So, as usual, the Liarboy lies.
> 
> There was one in 2014, your first podium finish. My record of all posts 
> has a huge hole between 2024 and 2026. Eternal September's retention 
> policy is lacking.
> 
> The I found is a definite brag.
> 
> Searching Google News:
> 
> "OT: Purely to annoy the fan boys and trolls, I had a great weekend
> 1"
> 
> 
> Alan Baker
> unread,
> May 27, 2014, 1:30:51 PM
> to
> ...thanks for asking!
> 
> Friday was frustrating; pouring rain and teething troubles with the car
> (mostly ignition timing and a dragging rear brake).
> 
> Saturday, I sorted out the timing problems and finally diagnosed the
> dragging brake (the banjo bolt was a little too long for the slightly
> thicker brake pads I'd installed), but getting it all done meant that I
> missed qualifying and had to start from the back of the field. I passed
> all the Formula Vees and three of the Formula Fords to finish 5th in
> class.
> 
> Sunday, it finally all came together. The car was working right--just
> some minor oil seepage, and I was fastest in practice (although I'm
> sure I would have been second if the fastest FF driver had come out),
> took third in qualifying, and had some good back and forth racing in
> the middle pack to take third in the race. My first podium!
> 
> So, I know you trolls all missed me, but now you know why I had to
> leave you bereft.
> 

So mentioning my very first podium bragging "about podium finisheS", 
now, Liarboy?

It was my very first.

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#149821

FromTom Elam <thomas.e.elam@gmail.com>
Date2026-10-26 07:43 -0400
Message-ID<11bnedv$hien$2@dont-email.me>
In reply to#149759
On 10/23/26 11:28 AM, Alan wrote:
> So mentioning my very first podium bragging "about podium finisheS", 
> now, Liarboy?
> 
> It was my very first.

But you said you had never bragged, and you definitely did.

[toc] | [prev] | [next] | [standalone]


#149753

From-hh <recscuba_google@huntzinger.com>
Date2026-10-23 06:44 -0400
Message-ID<11bfdq3$1n4oj$2@dont-email.me>
In reply to#149744
On 10/22/26 17:18, Alan wrote:
> On 2026-10-22 13:47, Tom Elam wrote:
>> On 10/22/26 1:33 PM, -hh wrote:
>>> "Except that by the reasonable person standard, whoever holds a track 
>>> record would be considered to be an 'exceptional' driver...right?"
>>
>> Except Alan never held the fastest FF lap track record. For anything 
>> in fact. Except maybe #2 and #3 finishes. The person who help that 
>> record is exceptional.
> 
> Correct. I was SECOND-fastest...

So Tommy should have said "nearly exceptional"?  <g>


>> He has bragged about the number of podium finishes. BUT, many of the 
>> races had 5 or fewer cars running.
> 
> When have I ever bragged about podium finishes, Liarboy? 
> > I checked, and in only two threads on CSMA have I ever even mentioned
> the word "podium", and in one of them, I was quoting OTHER racers.
> 
> So, as usual, the Liarboy lies.

Amazingly enough, just like his "exceptional" pedestal claims.


-hh

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#149751

FromTom Elam <thomas.e.elam@gmail.com>
Date2026-10-23 05:24 -0400
Message-ID<11bf940$1l4ra$2@dont-email.me>
In reply to#149739
On 10/22/26 1:33 PM, -hh wrote:
> On 10/22/26 09:23, Tom Elam wrote:
>> On 10/22/26 8:54 AM, -hh wrote:
>>> BTW, this morning is the last day to put in a bid for today's new 
>>> issue 5 year TIPS auction; latest estimated 'real yield' is a shade 
>>> over 2.5%
>>
>> I have a few hundred grand in a fund that is paying 14%+ APR dividend 
>> yield. That income is not in AGI at all. Yes, it is legal and publicly 
>> traded. 
> 
> I have one that's the same ... but unlike Treasuries, I understand that 
> it has a different and meaningful principle loss risk.
> 
> One that I don't have which has this erosion problem is MSTY.  Its 
> headline +25% yield looks great until we see that in the fine print its 
> share price has dropped by -50% YTD:
> 
> that's a "pay in $100, get just ($25+$50) = $75 back".
> 
> 
>> I think I'll pass on the TIPS "opportunity". Even if it was in AGI it 
>> would still beat 2.5% tax-free.
>> I also have a few hundred grand in a fund paying ~12% yield that is OI 
>> > in AGI. It beats 2.5% too.
> 
> Seems that you're overlooking that TIPS yield is above inflation.  So if 
> Inflation goes back up to ~9%, a +2.25% Real Yield TIPS means that the 
> payout rate is ~11.25%.
>> Both funds NAV's are tracking well against the NASDAQ and S&P 500 
>> index funds too.
> 
> Which is great so long as the NASDAQ or SP500 don't drop, of course...
> 
> ...and meantime, the NASDAQ is -4% Month over Month, and the AI bubble 
> hasn't even popped yet.
> 
> 
>> No, I am not going to tell you what they are.
> 
> But of course you won't.
> 
> Just like how you've deliberately cherry-picked this aside to try to 
> distract and avoid the first part of my post, namely:
> 
> "Except that by the reasonable person standard, whoever holds a track 
> record would be considered to be an 'exceptional' driver...right?"
> 
> 
> -hh

Reply #2

I am well aware of how TIPS works and market risks. What works for you 
does not work for me. Get over it.

[toc] | [prev] | [next] | [standalone]


#149752

From-hh <recscuba_google@huntzinger.com>
Date2026-10-23 06:44 -0400
Message-ID<11bfdpu$1n4oj$1@dont-email.me>
In reply to#149751
On 10/23/26 05:24, Tom Elam wrote:
> On 10/22/26 1:33 PM, -hh wrote:
>> On 10/22/26 09:23, Tom Elam wrote:
>>> On 10/22/26 8:54 AM, -hh wrote:
>>>> BTW, this morning is the last day to put in a bid for today's new 
>>>> issue 5 year TIPS auction; latest estimated 'real yield' is a shade 
>>>> over 2.5%
>>>
>>> I have a few hundred grand in a fund that is paying 14%+ APR dividend 
>>> yield. That income is not in AGI at all. Yes, it is legal and 
>>> publicly traded. 
>>
>> I have one that's the same ... but unlike Treasuries, I understand 
>> that it has a different and meaningful principle loss risk.
>>
>> One that I don't have which has this erosion problem is MSTY.  Its 
>> headline +25% yield looks great until we see that in the fine print 
>> its share price has dropped by -50% YTD:
>>
>> that's a "pay in $100, get just ($25+$50) = $75 back".
>>
>>
>>> I think I'll pass on the TIPS "opportunity". Even if it was in AGI it 
>>> would still beat 2.5% tax-free.
>>> I also have a few hundred grand in a fund paying ~12% yield that is 
>>> OI > in AGI. It beats 2.5% too.
>>
>> Seems that you're overlooking that TIPS yield is above inflation.  So 
>> if Inflation goes back up to ~9%, a +2.25% Real Yield TIPS means that 
>> the payout rate is ~11.25%.
>>> Both funds NAV's are tracking well against the NASDAQ and S&P 500 
>>> index funds too.
>>
>> Which is great so long as the NASDAQ or SP500 don't drop, of course...
>>
>> ...and meantime, the NASDAQ is -4% Month over Month, and the AI bubble 
>> hasn't even popped yet.
>>
>>
>>> No, I am not going to tell you what they are.
>>
>> But of course you won't.
>>
>> Just like how you've deliberately cherry-picked this aside to try to 
>> distract and avoid the first part of my post, namely:
>>
>> "Except that by the reasonable person standard, whoever holds a track 
>> record would be considered to be an 'exceptional' driver...right?"
>>
>>
>> -hh
> 
> Reply #2
> 
> I am well aware of how TIPS works ...
But if true, then why did you make the mistake of an invalid comparison?

> ... and market risks. 

But if true, you didn't acknowledge the differences in risks between the 
two investment vehicles.


> What works for you does not work for me. Get over it.

But if true, where's the evidence of wisdom in understanding the 
differences in needs which drive risk?

Would you rather have $1M where to meet your goals you need to risk it 
in a fund promising a 14% return ... or have $3M where the same revenue 
amount is achieved at a far lower risk?

The answer may depend on if you're "won the race" and can afford to 
relax and "coast", or if you're still hustling for every last buck.



-hh

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#149822

FromTom Elam <thomas.e.elam@gmail.com>
Date2026-10-26 08:05 -0400
Message-ID<11bnfmo$i71u$1@dont-email.me>
In reply to#149752
On 10/23/26 6:44 AM, -hh wrote:
>> I am well aware of how TIPS works ...
> But if true, then why did you make the mistake of an invalid comparison?
> 

Because you made an extreme assumption about inflation to try make a point.

>> ... and market risks. 
> 
> But if true, you didn't acknowledge the differences in risks between the 
> two investment vehicles.

A TIPS risk is that inflation will not increase to anything like 9% and 
I would be giving up significant tax-free income.

> 
> 
>> What works for you does not work for me. Get over it.
> 
> But if true, where's the evidence of wisdom in understanding the 
> differences in needs which drive risk?

I totally understand that the risk in TIPS is the inflation rate will 
not rise.

> 
> Would you rather have $1M where to meet your goals you need to risk it 
> in a fund promising a 14% return ... or have $3M where the same revenue 
> amount is achieved at a far lower risk?

OMG, $1 million vs $3 million is classic apples and oranges! What if you 
can have both?

> 
> The answer may depend on if you're "won the race" and can afford to 
> relax and "coast", or if you're still hustling for every last buck.
> 
It totally depends on just that. But you have it backwards. If you have 
"won" enough investment net worth, and have 0 debt, together that gives 
you the freedom to convert some of the investments from chasing every 
last buck of equity into creating cash flow to better enjoy your last 
few years. You may understand that in 10 or 15 years.

Other TIPS risks can include:

Interest Rate Risk: If market interest rates rise sharply, the resale 
value of TIPS can drop before they mature.

"Phantom Income" Taxes: Annual increases in the bond’s principal are 
considered taxable federal income each year, even though you do not 
receive those extra dollars until the bond matures. Most investors 
prefer holding TIPS in tax-advantaged accounts (like an IRA or 401(k)) 
to avoid this issue. However, if held in a tax advantaged account you 
still pay income tax when the gains are withdrawn. You just postpone the 
pain.

[toc] | [prev] | [next] | [standalone]


#149825

From-hh <recscuba_google@huntzinger.com>
Date2026-10-26 09:46 -0400
Message-ID<11bnlju$kh1g$1@dont-email.me>
In reply to#149822
On 10/26/26 08:05, Tom Elam wrote:
> On 10/23/26 6:44 AM, -hh wrote:
>>> I am well aware of how TIPS works ...
>> But if true, then why did you make the mistake of an invalid comparison?
>>
> 
> Because you made an extreme assumption about inflation to try make a point.

Mentioning what inflation's been within this past decade is far less 
extreme than trying to pretend that Inflation doesn't exist at all.


>>> ... and market risks. 
>>
>> But if true, you didn't acknowledge the differences in risks between 
>> the two investment vehicles.
> 
> A TIPS risk is that inflation will not increase to anything like 9% and 
> I would be giving up significant tax-free income.

Not when you understand what the Break Even rate is, which is gaged 
against investments of the same risk level, not one where it is 
substantially higher, such as an CC ETF.


>>> What works for you does not work for me. Get over it.
>>
>> But if true, where's the evidence of wisdom in understanding the 
>> differences in needs which drive risk?
> 
> I totally understand that the risk in TIPS is the inflation rate will 
> not rise.

Do you think that inflation will be higher or lower than 2.3%?


>> Would you rather have $1M where to meet your goals you need to risk it 
>> in a fund promising a 14% return ... or have $3M where the same 
>> revenue amount is achieved at a far lower risk?
> 
> OMG, $1 million vs $3 million is classic apples and oranges! What if you 
> can have both?

But you don't have both; your last peak wealth brag was just ~$3M, and 
that invariably includes your house, cars, etc.  Similarly, your 2024 
RMD brag attempt revealed that their sum value was ~$1M.


>> The answer may depend on if you're "won the race" and can afford to 
>> relax and "coast", or if you're still hustling for every last buck.
>
> It totally depends on just that. But you have it backwards. If you have 
> "won" enough investment net worth, and have 0 debt, together that gives 
> you the freedom to convert some of the investments from chasing every 
> last buck of equity into creating cash flow to better enjoy your last 
> few years. You may understand that in 10 or 15 years.

But I'm not "chasing every last buck".  With your claim of risking a 
"few hundred grand" in higher dividend funds, that's you.

> Other TIPS risks can include:
> 
> Interest Rate Risk: If market interest rates rise sharply, the resale 
> value of TIPS can drop before they mature.

Which effectively is only a risk if you need the cash before maturity.


> "Phantom Income" Taxes: Annual increases in the bond’s principal are 
> considered taxable federal income each year, even though you do not 
> receive those extra dollars until the bond matures. Most investors 
> prefer holding TIPS in tax-advantaged accounts (like an IRA or 401(k)) 
> to avoid this issue. However, if held in a tax advantaged account you 
> still pay income tax when the gains are withdrawn. You just postpone the 
> pain.

Which is only a factor if they're not held in tax-advantaged accounts..
...and of course, no income taxes are due when its a Roth account.


-hh

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#149724

FromTom Elam <thomas.e.elam@gmail.com>
Date2026-10-22 09:15 -0400
Message-ID<11bd292$sb1a$1@dont-email.me>
In reply to#149708
On 10/21/26 6:30 PM, Alan wrote:
>> Except that you were consistently beaten by the best two - McColl and 
>> Floer - you raced against. As in 1 or 2 wins out of too many races to 
>> count.
> 
> In an overweight car when I was still learning.

Bullshit. By 2017, the year before you got the Honda engine car, you had 
been racing for about 4 years. You did win one race on April 29. I think 
this is the only time you came in ahead of Doug Floer.

The rest you finished as follows:

April 1 #2 of 3
April 2 #3 of 4
April 2 #3 of 4
April 29 - only win of the season
April 30 #3 of 4
April 30 #3 of 4
Aug 12 #3 of 6
Aug 13 #3 of 6
Aug 13 #5 of 6
Sept 2 #2 of 5
Sept 3 #4 of 4
Sept 4 #2 of 7

Floer won 16 of 17 races he ran.

McKay finished ahead of you in 7 of the 8 races you ran head-to-head

With the new car in 2018 you results did not improve much. Of course, it 
was a new car to be sorted. But by season-end you were finishing back of 
the field in 2 of 3 races.

June 24 #4 of 5
June 24 #3 of 5
July 14 #2 of 7
July 15 #2 of 6
Sept 15 #2 of 4
Sept 16 #4 of 4
Sept 16 #3 of 4

Then comes 2019 and no Doug Floer. Of course your record improved.

2020 - limited competition, only a few races

2021 - Alan McColl, Doug Floer and Dave Mckay were absent the only 3 
races you ran in the last weekend. You won all 3. So what?

2022 - no Doug Floer, no Alan McColl, and Dave McKay ran only 2 races 
where you were absent. You won 3 of the 7 races you ran against weak 
competition. Three of those losses were to Erle Archer!

2023, 2024, 2025, 2026 - no races run by Fakerboy

2023 - Dave McKay and Doug Floer battled it out and Doug won the trophy.

2024 - very sparse FF fields. Martin Phillips won the trophy by running 
in the most races. Doug Floer ran 3 races, no Alan McColl, Dave McKay 
won 7 of 8 races entered. His only loss was to Doug Floer.

2025 - No Doug Floer, no Alan McColl or Dave McKay. Kees Nierop won the 
trophy.

2026 - No Doug Floer, no Alan McColl or Dave McKay. Brett Payne won the 
trophy.

You are a poor 4th to McKay, Floer and McColl. Worse, you bought that 
better car and have not even run it much.

Second fastest lap means nothing but you can run a fast lap. It won you 
no races or higher finishes.

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#149474

FromTom Elam <thomas.e.elam@gmail.com>
Date2026-10-15 11:53 -0400
Message-ID<11aqstt$2hr23$1@dont-email.me>
In reply to#149423
On 10/14/26 11:22 AM, Tom Elam wrote:
> I have a 2:40 reservation to have my iPad examined. Might just be a 
> dirty charging port, but this morning it will not charge.
> 
> Results later.

Followup to my own message - intended for the Maria creature that doubts 
AppleCare+ value proposition.

Over the time I have owned Apple products these incidents have happened:

First iPhone (a 6s) dropped into water and died. It was still under 
Apple warranty and replaced for $99.

Dropped my first iPad 7 on an airport ramp. Bricked - confirmed by an 
independent repair shop. It was out of standard warranty so bought a 
replacement iPad 7.

Started buying AppleCare+

Bought an iPad 9 and gave the wife the gen 7.

The iPad 7 volume controls stopped working. Apple replaced it under 
warranty, it is still working fine.

The iPad 9 screen cracked. Also replaced under warranty.

Wife's iPhone 14 battery went below 80%, Apple replaced the battery.

Same for my iPhone Pro battery.

Apple will replace my iPad 9 battery in the next few months.

In addition Apple has fixed two charging port issues, no charge.

So far no hardware issues with 2 Apple Watches, a MacBook Air, and 4 Air 
Tags.

Both iPads are 128gb with cell service. Those were about about $550 each 
when new. The two battery replacements are worth about $200. About 
$1,350 in potential expense avoided - and broken iPads had been replaced 
with new.

Intangible - peace of mind knowing I will not get hit with a big bill if 
something breaks and I can show up at the Apple Store and get expert 
assistance with issues.

We have spent a bit more than that, but not much more, for ApplCare+.

None of my Android devices were kept long enough to have comparable 
repair histories. However I have a pair of 8 year old HP laptops that 
have cost a total of under $200 since new for repair - a battery 
replacement. Hope the Mac can do that too.

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#149475

FromCrudeSausage <crude@sausa.ge>
Date2026-10-15 12:16 -0400
Message-ID<6ad0fc6d$0$19$882e4bbb@reader.netnews.com>
In reply to#149474
On 2026-10-15 11:53 a.m., Tom Elam wrote:
> On 10/14/26 11:22 AM, Tom Elam wrote:
>> I have a 2:40 reservation to have my iPad examined. Might just be a 
>> dirty charging port, but this morning it will not charge.
>>
>> Results later.
> 
> Followup to my own message - intended for the Maria creature that doubts 
> AppleCare+ value proposition.
> 
> Over the time I have owned Apple products these incidents have happened:
> 
> First iPhone (a 6s) dropped into water and died. It was still under 
> Apple warranty and replaced for $99.
> 
> Dropped my first iPad 7 on an airport ramp. Bricked - confirmed by an 
> independent repair shop. It was out of standard warranty so bought a 
> replacement iPad 7.
> 
> Started buying AppleCare+
> 
> Bought an iPad 9 and gave the wife the gen 7.
> 
> The iPad 7 volume controls stopped working. Apple replaced it under 
> warranty, it is still working fine.
> 
> The iPad 9 screen cracked. Also replaced under warranty.
> 
> Wife's iPhone 14 battery went below 80%, Apple replaced the battery.
> 
> Same for my iPhone Pro battery.
> 
> Apple will replace my iPad 9 battery in the next few months.
> 
> In addition Apple has fixed two charging port issues, no charge.
> 
> So far no hardware issues with 2 Apple Watches, a MacBook Air, and 4 Air 
> Tags.
> 
> Both iPads are 128gb with cell service. Those were about about $550 each 
> when new. The two battery replacements are worth about $200. About 
> $1,350 in potential expense avoided - and broken iPads had been replaced 
> with new.
> 
> Intangible - peace of mind knowing I will not get hit with a big bill if 
> something breaks and I can show up at the Apple Store and get expert 
> assistance with issues.
> 
> We have spent a bit more than that, but not much more, for ApplCare+.
> 
> None of my Android devices were kept long enough to have comparable 
> repair histories. However I have a pair of 8 year old HP laptops that 
> have cost a total of under $200 since new for repair - a battery 
> replacement. Hope the Mac can do that too.

I will say this much: I will gladly pay for AppleCare since I have 
already spilled coffee on a 2017 MacBook Air, killed my gaming laptop 
doing a battery replacement (this happens to a lot of people with the 
unit I owned) and had a keyboard become defective. At this point, even 
if a manufacturer were to try to sell me a device with a 
user-replaceable battery, I would rather have a skilled technician do it 
since the days of simply pulling the old one out and putting a new one 
in are long gone.

-- 
CrudeSausage
MacBook Air M4
iPhone 13
Friendly Apple zealot

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