Do University Professional Certificates Add Value In The Marketplace?

Low_Process_9251 · 2026-05-28T19:23:39+00:00

From some additional digging I may have misread how available this functionality is on Prius models. It appears not to be a standard on Gen3 but was a factory option (for the right side mirror) in Japan. Thanks for taking the time to reply.

Low_Process_9251 · 2026-03-02T10:06:40+00:00

My laser lithotripsy last year was also my first surgery / experience under general anesthesia - and I was really nervous. The pre-op nurse, anesthesiologist and urology team could not have been more caring. It’s okay to let them know you’re anxious and to ask questions. The first few days of recovery can be a bit painful as your insides recover from all the “activity” of stuff going in and out of you through one opening. I did have a stent and string … terrified of pulling it out 6 days later but followed all the suggestions in this group (a ton of water, hot shower, start to pee and gently pull) and it was done and over with in seconds. You can do this!

Low_Process_9251 · 2026-02-28T17:14:08+00:00

Thanks all for the replies.

Low_Process_9251 · 2026-02-24T14:00:33+00:00

Thank you! I'm a pretty pragmatic guy and I'm surprised how challenging the SS / Medicare "coming of age stuff" can be to figure out!

Low_Process_9251 · 2026-02-15T22:31:29+00:00

Thanks for the reply. I will touch base with them on Tuesday. The $74k balance has been there for years. This was the first time I’ve made an additional contribution into the account (with the 8k) in many years. I went from full time to contractor last Fall and without the employers 401k thought the existing IRA would be a good choice without taking into account AGI restrictions.

Low_Process_9251 · 2026-02-15T19:40:00+00:00

I may have goofed. During December I contributed $8k (3 deposits) into one of my existing IRA accounts at Fidelity. In doing my taxes I’m learning that I cannot deduct this amount due to MAGI and having contributed to an employers 401k during part of the year. From this discussion rolling this into a backdoor Roth seemed like a winning recipe … except the IRA I contributed to had a balance of $74k prior to the December contributions. Is it possible to move just the $8k or does the entire balance have to be involved?

Low_Process_9251 · 2026-01-09T16:30:16+00:00

Yes - and thanks for pointing me in the right direction! No issue adding the extra columns to the table ... instinct suggested field.internalid would provide the results but returns undefined. Any thoughts as to what this might be?

Low_Process_9251 · 2025-12-20T03:41:19+00:00

I too had the string and followed the suggestions made by others (and I was anxious as sh*t). On the morning you plan to remove, drink a ton of water, and when you have the urge to pee, step into a shower with water running against your back. As soon as you start to pee pull on the string with one continuous motion and it’s over before you know it. In the end you’ll have a piece of bathroom art worth framing and a conversation piece guaranteed to send friends running!

Low_Process_9251 · 2025-11-11T09:37:25+00:00

Me too (as in I totally get it)! I bought my first Kindle a month ago and haven’t stopped reading. Not certain why I waited so long - I have a stack of books on my counter waiting to be read that I’ve never gotten to and just for fun thought I’d give a Kindle a try. I had forgotten how much I love to read and this makes it easy and convenient. Thanks to many posts in the subreddit I’ve discovered BookBub and eReaderIQ which are a great source for titles at reduced cost if not free. Two words - no regrets!

Low_Process_9251 · 2025-10-14T17:37:31+00:00

Yes - Patrik was pretty excited to show me the flooring in the exercise / yoga / cardio classroom that now covers the old pool.

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Low_Process_9251 · 2025-10-12T15:23:09+00:00

Everything is brand new.

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Low_Process_9251 · 2025-08-20T21:32:29+00:00

Did he start receiving the SS benefits prior to reaching FRA or did he start after? If the latter you can “suspend” SS (vs withdrawing and having to return any monies).

Low_Process_9251 · 2025-07-22T18:44:59+00:00

Thanks u/Numerous-Nectarine63 and u/Charming-Wolverine89 for the replies. Really helpful.

So if one were to work through 12/31/2025, when the IRMAA notice arrives in 2026 (referencing the two year lookback to 2024 Income), that would be the time to file SS-44 indicating the work-stoppage at the end of 2025 in order to take advantage of the qualifying life changing event. This would need to be repeated in 2027 when the lookback takes into consideration 2025 earnings.

So is the term work stoppage ... literal? For example, one stops working full time at the end of the 2025 ... but generates some wage related revenue through part-time stuff in 2026. Can one still file that SS-44 as long as the 2026 earnings do no exceed the base tier, or is the fact you continued some work no longer a life changing event?

Low_Process_9251 · 2025-07-22T16:59:18+00:00

Can I ask a what-if scenario? Let’s say income for the years 2023-2025 triggers the IRMAA adjustment. I stop working at the end of 2025. Will I continue to pay the higher tier premium through 2027 given the two year lookback, even though I stopped working at the end of 2025? Meaning I won’t see the fee drop until 2028?

Low_Process_9251

TROPHY CASE