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  1. Linney

    Which Mattress do you prefer after 65?

    My husband and I purchased Brooklyn Bedding's Signature Hybrid (a hybrid of coils + foam) about 6 years ago. We are still very happy with it today. We both like a firm bed so we chose the "firm" level instead of medium or soft. My husband initially had some issues with his shoulders not...
  2. Linney

    Anyone had balloon sinuplasty procedure?

    +1. I have ongoing sinus issues and would be interested in hearing the outcome as well.
  3. Linney

    Mens travel clothing??

    +1 My husband likes these as well. He tried them on in the REI Store last fall and then ordered online to get the correct inseam length. The Stretch Zion pants performed flawlessly on our recent trip to New Zealand -- comfortable, reasonably attractive, and could be laundered in the sink...
  4. Linney

    We are entering a "Golden Period" for fixed income investing

    1. It will likely have the highest real yield (for a 5-year TIPS auction) since October 2008. 2. With the nominal 5-year Treasury note currently trading with a yield of 3.98%, this TIPS currently has an inflation breakeven rate of 2.17%*. *Auction is Thursday, these figures could go up or...
  5. Linney

    We are entering a "Golden Period" for fixed income investing

    David Enna's "TIPSwatch" site is a great source for everything TIPS. He *just* posted his analysis of the 5-year TIPS reopening auction coming up this week: https://tipswatch.com/2023/06/18/this-weeks-5-year-tips-reopening-could-get-the-highest-real-yield-in-14-years/ Investors who are fans...
  6. Linney

    A couple I-Bond Questions

    I just did the gifting and it was pretty straightforward. Transfer was instantaneous. There are two things you might want to note: (1) The gifted Ibond gets a new ID in the recipient's account. When purchased it was "IAAAL", after delivery it was assigned "IAAAP" which was the next...
  7. Linney

    Fund HSA from IRA withdrawal, no ACA Impact?

    For ACA calculations it works as you describe above. I've been doing this for a couple years now. It allows you to "move" funds from your Traditional IRA to your HSA each year. You can move your max HSA contribution amount each year including any catchup amounts. You have to have an HDHP...
  8. Linney

    Improving endurance and flexibility?

    I am a certified tai chi instructor. It's my post-retirement fun job. Given the issues that you listed as your concern (flexibility and endurance) I would direct you towards a yoga class instead of tai chi. Tai chi excels at helping people to improve balance and prevent falls as you move...
  9. Linney

    Amazon Visa card 10% off on gas until 12/31

    It activated for me. :clap: Thanks, Chuckanut!
  10. Linney

    The I Bond Thread

    Bookman, if you were trying to purchase a gift, it won't show up where the rest of YOUR bonds are. Have you tried looking in the Gift Box and see if your missing $10,000 is there?
  11. Linney

    Where to Live in Seattle or Portland Area?

    It's very good. My husband needs specialized care and he is able to get that here. There are two large, modern hospitals in Vancouver itself. OHSU is a research / teaching hospital in Portland, Oregon, only 10 miles away. My dad underwent an experimental new heart procedure at OHSU last year...
  12. Linney

    Where to Live in Seattle or Portland Area?

    Vancouver has both an urban downtown core as well as numerous suburban neighborhoods. Here are two trails that show these different aspects of the city. Both are good, safe trails that will take 2-3 hours to walk end-to-end. Urban trail: Vancouver Waterfront trail...
  13. Linney

    The I Bond Thread

    1. Yes. Your existing registration is for your purchases for yourself as owner. The new registration would be used to purchase gift bonds for your wife (with her as owner). 2. You can do gift bonds using EITHER sole owner or beneficiary. With sole owner, it would be your wife's name...
  14. Linney

    New Variant Vaccine

    That is how Evusheld antibody therapy is administered -- 2 shots, one in each butt check. Evusheld therapy is specifically for people who are immunocompromised, so I'm thinking that is what your SIL actually received, not a covid booster
  15. Linney

    Evusheld approved by FDA

    Well.... it happened. DH caught covid from me. I went to visit my elderly parents and a niece who was also present at the visit had asymptomatic covid. The day after the visit the niece had a PCR test in preparation for a school field trip and.... she tested positive. Two days later, I...
  16. Linney

    Evusheld approved by FDA

    My DH slept a bit more than usual in the 48 hours following his Evusheld shots (normally sleeps 6 hours a night, slept 8 hours instead). No other side effects observed. That's just one data point - I'm hoping more people respond with their experiences so we can compare notes.
  17. Linney

    Start of a new era

    I was reading portions of this news article about Jamie Dimon to my husband and then laughed out loud when I saw this headline in the next article: "Elon Musk has 'super bad feeling' about economy...." Um.... Super Bad? !! Of course, then next headline read something to the effect of "Bear...
  18. Linney

    Best CD, MM Rates & Bank Special Deals Thread 2022 - Please post updates here

    Is this link more helpful? It shows the rates, day by day: https://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_yield_curve&field_tdr_date_value_month=202205
  19. Linney

    Bond Funds when Interest Rates Rise

    I want to thank Bergamo and Graybeard for asking all these questions. I've learned a lot while reading this thread. One question that I have: Is there any reason to avoid buying treasury securities in both taxable and deferred accounts at the same time? Any tax pitfalls or other issues to...
  20. Linney

    Buying sheets

    We purchased Target's Performance Sheet Set last year. 100% cotton, 400 thread count, deep pocket corners. We like them a lot. They launder well, and feel durable and comfortable. Price is nice too, and they have a good selection of colors and prints.
  21. Linney

    The I Bond Thread

    Once you have purchased the gift I-bond, I don't think you can change it. I did the same thing and didn't see any way to fix it. If someone knows how, please let us know! I was successful in setting up a beneficiary on my second gift I-bond purchase, however. The gift I-bond registration...
  22. Linney

    The I Bond Thread

    It's been 4 months since my first Gift I-Bond purchase back in December 2021. As of today I can see the interest being accrued in the TreasuryDirect Gift Box. Sweet! For those interested here is a screenshot of what it looks like. (And remember, 3 months of interest is held back in case...
  23. Linney

    Fed Raises Interest Rates, First Time Since 2018

    Yes! We have a lengthy discussion going on in this thread: https://www.early-retirement.org/forums/f28/i-bond-rate-11-2021-a-111509.html The next rate change announcement is on May 1st (not April).
  24. Linney

    The I Bond Thread

    I should add that it works the same for gifting. As soon as I purchased the gift for my husband, the funds were withdrawn from our joint checking account and held in the gift box at Treasury Direct. And as soon as he purchased the gift I-bond for me, the funds were likewise withdrawn from our...
  25. Linney

    The I Bond Thread

    To clarify: You need 2 separate Treasury Direct accounts, one for each person who owns the I-bonds. You can use 1 account to fund the I-bond purchases for both people. I have used a joint checking account to fund the I-bond purchases for both my spouse and I for years now, no problems...
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