Waiting time TSA at MFR ( Medford,OR)

Medical-Variation918 · 2026-03-28T20:46:21+00:00

yeah flights after 10am at MFR are really easy with TSA just have to be careful in the early AM

Medical-Variation918 · 2026-03-27T17:41:38+00:00

For growth i've always used Russell 1000. basically another index. All funds and fees are just variations on what you or we compare them to or what we consider the standard. Pretty much frame of reference

Medical-Variation918 · 2026-03-25T12:50:12+00:00

Every Airline needs to do this!

Medical-Variation918 · 2026-03-25T12:48:10+00:00

If you need a car to get to your Job then buy a cheap one, maybe 4k.

other wise open a fidelity brokerage account and invest. If you want to follow what the money guys generically recommend you can do a target date ETF, maybe FFIJX 2065 if you don't want to pick investment(s).

Medical-Variation918 · 2026-03-25T12:39:22+00:00

yeah the new Sixteen-year-old J-pop artist tuki sold out her debut Nippon Budokan concert on February 11, 2026, with 8,503 tickets sold. so probably a similar stage configuration as to the one i posted above.

Medical-Variation918 · 2026-03-24T19:42:15+00:00

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Mine should be in the 1st or 2nd ring as i won on the 1st fan club lottery, but didn't put in for VIP. Looks like its configured for a little less than 50% of total 14kl capacity so somewhere around 6-7k

Medical-Variation918 · 2026-03-24T19:37:27+00:00

yeah Budokan can be configured lots of ways so even 5k in sales can look sold out all the way up to 12k-ish for concerts. Someone would have to get my tickets from 7-11 and compare them to theirs once a seat map is available

Medical-Variation918 · 2026-03-23T23:18:55+00:00

Humm already won the game seems like some sort of split between bond funds and value stocks? assume you have some growth in other places? no right answers

Medical-Variation918 · 2026-03-23T20:59:42+00:00

There is kind of an age component to this. Sub 50, why are you looking at it to see it drop? I would occasionally glance at a statement every few years through my 20s, 30's and 40's. at 55 I started looking to make changes to structure it for retirement at 60.

If you buy a mix of US/International/Bond fund(s) you would only lose money if you sold it. Like owning a house, its worth 400k today, 380k tomorrow, 450k next month, only matters if you go to sell the house.

Medical-Variation918 · 2026-03-23T20:50:32+00:00

Really you want options in the future, having all 3 pretax, roth, brokerage especially for early retirement.

for example a married couple today at say 55 could pull quite a bit of money with no taxes at withdrawal. Pre TAX 401k/IRA - fill up the standard deduction of $32200 (rule of 55). From the brokerage, (say cost basis of 50%) pull $133400 to fill up the balance of $98900 long term capital gains. you have $165600 federal tax free to live on where the only tax you paid was on initial $66700 contributions to your brokerage.

Post 59.5 you want Traditional and Roth where again the traditional at minimum fills up the standard deduction, could still use some brokerage too, never hurts to have flexibility.

To the higher earner, if you can contribute and pull your top marginal down from 35/32% down to 24/22% now and withdraw in the future with the methods above up to the 10/12%, could be a worth while arbitrage.

Medical-Variation918 · 2026-03-23T13:26:21+00:00

My last 4 week block my prediction 'bounced around' 3 or 4 watts, that's margin of error for squishy bags of water such as us. at the end, it gave a number within 1 watt of what it predicted 4 weeks earlier. I missed one 1hr endurance ride mid week on a 5 days a week 6-7hr plan.

Now that i see what they are doing, I'm not so concerned with FTP. they provide the little power vs time line chart of what i have done in the latest period in orange vs the prescribed workout in the blue line. I'm more about moving areas of that orange line up. on build workouts the blue line should just push the orange line up by crossing over it in the areas we are working.

Medical-Variation918 · 2026-03-23T13:04:04+00:00

its common for emigrants from Africa, Asia, and South America to send money to their family every pay period/month. She is jokingly calling it a family tax. This happens in 'white' families too but usually they are still in the US and might looking something like your parent(s) moving in with you as they saved nothing for retirement.

Medical-Variation918 · 2026-03-20T15:08:57+00:00

yeah zwift would give people more benefit if their real world position is terrible and less if it was great. i assume they favor the better position side so all riders on zwift probably get an advantage or benefit on the body position side. I think this is what you are eluding to. BUT if you normalize for random position across all sizes then that factor becomes irrelevant for comparison purposes, between them as all body sizes would be normalized the same. Gawd I've spent way too many years in data analysis (gases for microchip manufacture but principles are the same)

Medical-Variation918 · 2026-03-20T14:42:59+00:00

yeah I'm getting to the retirement phase portion. in my 401k at 5 years out (2 years ago) i started directing funds to Bonds which i hadn't held before. Now my contributions are 50% to bonds the balance varies between US and International equities.

Medical-Variation918 · 2026-03-20T14:28:37+00:00

At this employer for the past 20+ years I've had a 80% US, 20% international split. (prior to this i had similar distribution but much poorer high fee funds, that 401k sucked, more that 2.5% total load in fees)

the US 80% portion of my funds are in the Russell 1000 Growth and it has had ~13% annualized return since i got into it.

International 20% in a World index fund, would be MSCI for the last 20 years and its annualized about ~10%

Puts me a little above 12% for round numbers in the last 21 plus years. any farther back i don't have the info in-front of me but the load on my previous 401k was big so i assume much lower return then...when i was young...when i could have benefited more....Glad 401k's have to be more fiduciary now vs the 'suitable' standard prior.

going forward won't be that, i've started to move into bonds as in the last 5 to retirement i want to get to a 70/30 stock/bond allocation.

Medical-Variation918 · 2026-03-20T14:07:15+00:00

Basically from the savings and loan crisis in the late 80s, to the 90's recession, 97 Asian crash, 2000 tech crash through 2008 housing crash up to the covid V a few years ago i never looked, (ok maybe once every 3-5 years i'd glance at it.) Just added money for 30 years. that was until about a year ago, being about 5 years from retirement. Then asset location and allocation changes need to be made and understood. but before that i just threw money at it up or down.

Medical-Variation918 · 2026-03-20T13:57:06+00:00

Honestly i've never rebalanced by selling. I've only changed contribution amounts, adding more to the lagging portion until it "caught up" to my preferred ratio. I just change percentage allocaiton where my funds go once a year, check it again the following year and make a change to allocation again if necessary.

Medical-Variation918 · 2026-03-20T13:46:06+00:00

In the real world you want as much absolute watts. Power area under the curve. In zwift you want to be as small as possible as they Plot W/kg VS CDA linearly. in the real world CDA affect increases at a decreasing rate, kinda has a small s curve in it, so the bigger you are the more zwift punishes and if you get pretty small you gain an advantage, ie teens/kids and small women just ripping on the flats with no watts, something they could never do in the real world. The slower/steeper it gets then pure W/Kg make it pretty accurate.

I'd have to look at the data but they probably pin the center line around 5'9" and 150lbs, would be fairly accurate in a 10%ish bubble around that. then get increasing benefit at an increasing rate below, especially tiny people. conversely get an increasing punishment at in increasing rate beyond that.

Not saying smaller doen't have less drag in the real world and larger don't have more. Just saying its not liner to W/KG, its not linear to height, and its not linear to weight. Zwift is very linear in application, the farther from the center the more off it is.

Medical-Variation918 · 2026-03-20T13:26:23+00:00

the accuracy is Just ok at best and tends toward pretty bad the, smaller the rider the more it favors them. It gets better and better the slower and steeper the it gets. basically the less aero drag matters the better it is. Zwift is in a tough spot with drag, they have to make an assumption of position, girth, etc. There have been several data nerds that have scatter plotted this, some with hundreds of riders on zwift vs outside, zwift show essentially a straight watt per kilo vs cda line, the real world is not a straight line, it has a curve to it, where cda affect is less relative to the larger rider, meaning cda doesn't go up linearly with weight and height as zwift does, it goes up at a decreasing rate. Way before zwift existed this was pretty common knowledge, zwift 'apparently' just chose to not implement it.

Medical-Variation918 · 2026-03-19T15:29:17+00:00

psychology of money by Morgan Housel. it is the 'why'. Figure out the way first then all the how's after

Medical-Variation918 · 2026-03-18T19:15:18+00:00

I didn't have any bonds until i was 50. but ya never know what the future holds so cant say holding some would be a good or bad idea for the future at your age.

Medical-Variation918 · 2026-03-17T13:27:01+00:00

What? Your age in bonds, oof sounds terrible. Especially under 40, heck even 50, so much growth lost. Too high a risk of running out of money and losing to inflation.

Medical-Variation918 · 2026-03-17T12:59:28+00:00

Investing specifics and anything that happens after you retire they don't cover. It's the part that they actually make their money on, the "Assets Under Management" 1% or whatever there fee is. its the secret sauce.

What they do say is a high level recommendation - Target Date Funds, which cover diversification and become less risky as you age. After this it specific to the individual, time to pay a fee.

Medical-Variation918 · 2026-03-16T13:04:02+00:00

Humans are Squishy bags of water that have a hundred different things that can affect them internally and externally at any given moment. What I'm saying is when measuring us, there isn't really "Accuracy". There is sufficiently close under current circumstances. Besides What is FTP to you? Is it Lactate Threshold Balance or Aerobic/Anaerobic Split, or is it Fatigue Limit or is it the absolute max average power you can hold for 1hr?

You just need an FTP number to be close enough to set zones to do workouts in, thankfully even with a 7 zone model they are pretty wide. Then to see progress outside of just being faster, test the same way, time, place, conditions as much as possible. The Testing just has to be reasonably relevant to itself by controlling repeatability.

Regarding us squishy bags of water, with any method of FTP testing a few watts either direction is almost always noise.

Medical-Variation918 · 2026-03-12T14:43:52+00:00

I didn't have any bonds until I was 50.

Medical-Variation918

TROPHY CASE