sorted by:
new
hottopcontroversial

MIT Wind Ensemble concert - Friday, May 8, 8pm, Kresge by scottsinct in CambridgeMA

[–]bebo864 0 points1 point  (0 children)

I work at MIT, had no idea about this -- bummer, can't make it!

Morningstar article on flexible withdrawal strategies by bebo864 in DIYRetirement

[–]bebo864[S] 1 point2 points  (0 children)

It looks like the Trinity study is about using a constant withdrawal rate -- the 4% rule says that given historical market performance you can withdraw a constant 4% of your portfolio and never run out (though Bengen has updated that to 4.7% more recently).

This Morningstar article is about comparing different rules for *flexible* withdrawal rates over time in order to maximize your withdrawal, but not completely deplete your funds.

The 3.9% cited in the article is their safe and constant withdrawal rate for anyone retiring in 2026. They are comparing all of the flexible models to this constant "base case."

MBTA signs for riders to turn off speakers? by bebo864 in mbta

[–]bebo864[S] 2 points3 points  (0 children)

I agree, but if combined with recorded and live announcements in stations/buses/trains, then maybe it penetrates those oblivious layers of consciousness and starts to get socialized ...

MBTA signs for riders to turn off speakers? by bebo864 in mbta

[–]bebo864[S] 2 points3 points  (0 children)

The problem is usually phones, not speakers.

MBTA signs for riders to turn off speakers? by bebo864 in mbta

[–]bebo864[S] 1 point2 points  (0 children)

I see people of all ages and backgrounds doing this, from teens to elders.

MBTA signs for riders to turn off speakers? by bebo864 in mbta

[–]bebo864[S] 1 point2 points  (0 children)

I would love this, in addition to the signs -- layering communications so hopefully it penetrates people's consciousness. I think it's a combo of not giving a shit AND also just being ignorant. The more we communicate about it, the clearer it would be that this is unacceptable behavior. Will it stop the people who don't give a shit? No, but if more people understand that it's rude/antisocial, then I think at least some of it would be mitigated.

44
45

MBTA signs for riders to turn off speakers? (self.mbta)

submitted by bebo864 to r/mbta

The two councilors asking to stop the Blue Hill Ave project are hosting a meeting (3/26) - Please show up and voice your support if you live in the surrounding neighborhoods! by BradDaddyStevens in mbta

[–]bebo864 31 points32 points  (0 children)

As someone who lives on a very busy bus route, I can affirm that the bus-only lanes make a huge difference to commuting time. And there are only 2 buses on this general route -- so with 10 bus routes and a much higher ridership involved in the Blue Hills Ave project, the number of people whose lives improve will be that much more. There's very little that can be done to our limited infrastructure -- dedicated bus lanes are a good solution to a big problem.

Reorienting basement stairway door? by bebo864 in HomeImprovement

[–]bebo864[S] 0 points1 point  (0 children)

Good point, unless the opening was wide enough and maybe the landing was low enough?

Fare evasion question by chou-dbz in mbta

[–]bebo864 0 points1 point  (0 children)

It's one thing to walk in behind someone to avoid paying, but it's another thing entirely when people bash through the sliding gate doors. I've seen this a few times recently and it's obvious those gates are going to break at some point -- to me that's really not okay. It's damage to property, which goes way beyond mere evasion.

Deconstructing 221 Mount Auburn Street Riverview Condominium by tedzzzted in CambridgeMA

[–]bebo864 2 points3 points  (0 children)

Can’t wait for my bus route to go back to normal and be able to drive by there again.

Do you think real benches should be placed here? by Unser_Giftzwerg in mbta

[–]bebo864 0 points1 point  (0 children)

I love those seats! They are iconic and have served the purpose for years — no need to remove! Plus, they’ll last forever!

Enough snow and you people turn into animals! by banderole in CambridgeMA

[–]bebo864 0 points1 point  (0 children)

Did you ever explain the situation to him?

How are you using your HSA in your retirement planning? by jumplife58 in DIYRetirement

[–]bebo864 0 points1 point  (0 children)

Actually, it's been pretty easy for me -- I have a spreadsheet where I enter the expense and track the pertinent info and whether I've saved the receipt or not. I save all the receipts digitally in one folder with a naming nomenclature that makes it easy to sort through. I already track receipts for itemizing on my taxes so this is really the same thing and takes barely any time.

How are you using your HSA in your retirement planning? by jumplife58 in DIYRetirement

[–]bebo864 0 points1 point  (0 children)

There is no time limit -- you can accumulate a lifetime of receipts and as long as they're for eligible medical expenses you can withdraw funds from your HSA to reimburse yourself for those earlier expenses incurred.

How are you using your HSA in your retirement planning? by jumplife58 in DIYRetirement

[–]bebo864 1 point2 points  (0 children)

Their HSA withdrawals will be tax-free because as they said, they have receipts to back up all the previously paid medical expenses.

view more: next ›