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Re: Apple Store appointment today

From Tom Elam <thomas.e.elam@gmail.com>
Newsgroups comp.sys.mac.advocacy
Subject Re: Apple Store appointment today
Date 2026-10-26 08:05 -0400
Organization A noiseless patient Spider
Message-ID <11bnfmo$i71u$1@dont-email.me> (permalink)
References (14 earlier) <11bd11v$rqkb$1@dont-email.me> <11bd2p9$sfck$1@dont-email.me> <11bdhe6$12kjc$1@dont-email.me> <11bf940$1l4ra$2@dont-email.me> <11bfdpu$1n4oj$1@dont-email.me>

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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.

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Thread

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 Alan <nuh-uh@nope.com> - 2026-10-26 11:36 -0700
                Re: Apple Store appointment today Brock McNuggets <brock.mcnuggets@gmail.com> - 2026-10-26 13:31 -0700
                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> - 2026-10-26 17:30 -0400
                Re: Apple Store appointment today -hh <recscuba_google@huntzinger.com> - 2026-10-26 18:47 -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

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