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Re: How much does your home *really* cost?

Related article (nomadic lifestyle) might be of interest to the readers of this thread http://finance.yahoo.com/news/5-retired-couples-trek-globe-100000037.html Jane, Thank you for the link. The article provides snapshots of several retired couple's lifestyles and their financial management. Howeve...
by VictoriaF
Tue Sep 02, 2014 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much does your home *really* cost?
Replies: 12
Views: 2091

Re: Is a college degree really worth what it costs?

If people looked at the ROI on children, other than on a farm, they'd never have children. Ditto literature, films, music, etc. Ditto art, landscapes, love, sex, affection, the love of a pet. The "worth" of a college is as meaningless as the "worth" of a marriage. Some colleges ...
by VictoriaF
Tue Sep 02, 2014 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is a college degree really worth what it costs?
Replies: 33
Views: 1384

Re: Is a college degree really worth what it costs?

TomatoTomahto wrote:I don't know how to factor that into the ROI. Let's say he marries someone above his station. Is that a return?


Even if he marries someone at his station it won't be too bad. And as a dividend, you will have super smart grandchildren.

Victoria
by VictoriaF
Tue Sep 02, 2014 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is a college degree really worth what it costs?
Replies: 33
Views: 1384

Re: Determining who makes it past age 90?

I don't think the opportunity to jump out of perfectly good airplanes with a M1 Garand/M1 Carbine to be shot at by Nazis is something that I will have. I just try to do everything in moderation, tell everyone that I love how much I care, try to make people smile every once in a while and hope that ...
by VictoriaF
Tue Sep 02, 2014 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Determining who makes it past age 90?
Replies: 32
Views: 1568

Re: Who has more organic food Costco or Sam's?

What matters is not which store has more organic food but which store has more organic food that you consume . Our Costco has organic 1-lb packages of mixed greens, organic chicken, organic eggs, and organic olive oil. In the past it had organic broccoli, but not lately. I buy non-organic avocados, ...
by VictoriaF
Tue Sep 02, 2014 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who has more organic food Costco or Sam's?
Replies: 3
Views: 276

Re: Costco:is it worth it for just two people?

Surprised no one has mentioned it, but having an extra refrigerator/freezer may be helpful for a smaller family. We have 2 kids, but a lot of times we can't buy more stuff we want at Costco because of space issues in the fridge and freezer. We are looking to get another near our garage so we can st...
by VictoriaF
Tue Sep 02, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 111
Views: 6559

Re: Determining who makes it past age 90?

cheese_breath wrote:Guess I'll follow Woody Allen's lead and take up smoking because it will soon be good for you.


Sherlock Holmes smoked opium and was one of the smartest men ever.

Victoria
by VictoriaF
Tue Sep 02, 2014 10:21 am
 
Forum: Personal Consumer Issues
Topic: Determining who makes it past age 90?
Replies: 32
Views: 1568

Re: Determining who makes it past age 90?

Fascinating 60 Minutes TV segment about a groundbreaking research study known as "90+". Some findings from the study: * People who exercised definitely lived longer than people who didn't exercise. As little as 15 minutes a day on average made a difference. 45 minutes was the best. Even t...
by VictoriaF
Tue Sep 02, 2014 10:01 am
 
Forum: Personal Consumer Issues
Topic: Determining who makes it past age 90?
Replies: 32
Views: 1568

Re: Passport, TSA Pre-Check, and Global Entry

crg11 wrote:
etarini wrote:I'm in the Boston area - does anyone have any experience getting Global Entry in Boston?


Boston is always backed up.


The flip side is that in the places that are not backed up, there are more people in the Global Entry lanes. In Boston, etarini would be the only one.

Victoria
by VictoriaF
Tue Sep 02, 2014 8:16 am
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 65
Views: 4384

Re: Help Please: Retirement plan vs. Higher Salary

If Option #2 still lets you invest in an optional 401k, it might be worth considering. Otherwise, I think Option #1 is by far the best option. Here is my reasoning: 1. Yes you have alot of student loans to pay off, but you are committed to paying them, your living expenses are reasonable, so you do...
by VictoriaF
Tue Sep 02, 2014 7:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Help Please: Retirement plan vs. Higher Salary
Replies: 30
Views: 2037

Re: Online Security: Are there any sites you do not trust?

Ged wrote:I *really* appreciate the lack of tracking on this site.


This site is more insidious. You will make an innocent statement and someone will cite your 2007 post that contradicts the statement.

Victoria
by VictoriaF
Tue Sep 02, 2014 7:41 am
 
Forum: Personal Consumer Issues
Topic: Online Security: Are there any sites you do not trust?
Replies: 14
Views: 1375

Re: Costco:is it worth it for just two people?

1. There is a very convenient COSTCO within about 2 miles of our house. It is almost as convenient as the nearby grocery stores. Are you going to the one in Pentagon City? If yes, how are the selection and parking there? I am now using a suburban Costco but will be moving to Arlington soon. Victori...
by VictoriaF
Mon Sep 01, 2014 7:38 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 111
Views: 6559

Re: Preparing to retire checklist

Some of this is financial (or so I think) but it's probably more emotional. Good luck! It's more emotional for me than I expected. I am at the point of no return, and no matter how little I will want to return, the feeling of the finality is sometimes overpowering. Good luck to you, too! Victoria
by VictoriaF
Mon Sep 01, 2014 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Preparing to retire checklist
Replies: 100
Views: 10316

Re: Help Please: Retirement plan vs. Higher Salary

I recommend getting the higher salary and repaying the loans more aggressively. You wrote that you are planning to pay $4k/months for the next 5 years. Add to this $4k the per-month difference between the higher and lower salaries.

Victoria
by VictoriaF
Mon Sep 01, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help Please: Retirement plan vs. Higher Salary
Replies: 30
Views: 2037

Re: Advice for stay at home mom/military wife going back to

There have been several stories about "unpleasant consequences" in the Bogleheads Forum, and there would have been many more if non-working women were interested in personal finance and participated in the Forum. Non-working women (and men) are interested in personal finance and do partic...
by VictoriaF
Mon Sep 01, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice for stay at home mom/military wife going back to work
Replies: 24
Views: 1540

Re: What Movie Have You [Recently] Watched?

I rarely watch American films but I gave in to the in-flight entertainment on my recent flight from Europe. The best of the films was The Monuments Men about a group of Americans, Brits and French rescuing art objects expropriated by the Nazis during the WW2 occupation. In addition to being well mad...
by VictoriaF
Mon Sep 01, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 65
Views: 2294

Re: How much does your home *really* cost?

After our experience with 3 years on the road (flights and trains), we decided when we do this again, we would like to have a home base (say an inexpensive 1-bedroom rental) in a low-tax state and low cost of living area. Makes planning much easier and may actually be cheaper than continuing to pay...
by VictoriaF
Sun Aug 31, 2014 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much does your home *really* cost?
Replies: 12
Views: 2091

Re: Preparing to retire checklist

Victoria, I might have missed it in an earlier post, but I was curious how you handled the issue of certain benefits. With respect to unused medical leave, assume that goes toward your pension calculation for time in service and therefore, there is no payment for unused ML. My Agency uses a table f...
by VictoriaF
Sun Aug 31, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Preparing to retire checklist
Replies: 100
Views: 10316

Re: Advice for stay at home mom/military wife going back to

You might want to look into volunteering with the VITA (Volunteer Income Tax Assistance) program at your husband's new post. There is free online training here: http://apps.irs.gov/app/vita/ . This is an excellent idea. When the OP masters taxes she will open herself to other professional fields. B...
by VictoriaF
Sun Aug 31, 2014 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for stay at home mom/military wife going back to work
Replies: 24
Views: 1540

Re: Advice for stay at home mom/military wife going back to

Women, please do not put yourself into this position. it's not that simple. you have the option of raising your own kids or you go to work and hire someone else to do it. the time you forfeit with your children is something you can't ever get back -- it's priceless. Parents, mothers and fathers , d...
by VictoriaF
Sun Aug 31, 2014 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice for stay at home mom/military wife going back to work
Replies: 24
Views: 1540

Re: Costco:is it worth it for just two people?

Austintatious wrote:You simply won't find a better canned tuna product around, unless there's some erotic foreign brand that I've not stumbled across.


If you find erotic foreign tuna please let us know.

Victoria
by VictoriaF
Sat Aug 30, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 111
Views: 6559

Re: My husband's " WILL", $ left for me to live on....

denovo wrote:
Calm Man wrote: Good luck to you. To others here at the forum --- Am I being unfair to the husband? What do others think?


As I explained above, I don't think there's a remote chance he's worth anywhere near 7 million.


The husband could have $5.5m in raw land and $1.5m in income producing properties.

Victoria
by VictoriaF
Sat Aug 30, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16989

Re: How much does your home *really* cost?

I rent, and thus your primary question about the *real* cost of home is easy. It's the rent and utilities. I have been considering becoming a vagabond in retirement, and I may still do it in the future. For now, I decided to spend the first couple years of retirement in the DC area and experience it...
by VictoriaF
Sat Aug 30, 2014 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much does your home *really* cost?
Replies: 12
Views: 2091

Re: Costco:is it worth it for just two people?

1. There is a very convenient COSTCO within about 2 miles of our house. It is almost as convenient as the nearby grocery stores. Are you going to the one in Pentagon City? If yes, how are the selection and parking there? I am now using a suburban Costco but will be moving to Arlington soon. Victoria
by VictoriaF
Sat Aug 30, 2014 6:07 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 111
Views: 6559

Re: Where can I get a job like this?

If you are computer literate, and have any graphic design skills, you could learn how to put together basic websites for local companies, organizations, and people who are not computer literate. I just have to open my mouth and say I know how to design a website and I could pick up a client. I'm le...
by VictoriaF
Sat Aug 30, 2014 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where can I get a [toddler-friendly weekend] job?
Replies: 18
Views: 1892

Re: My husband's " WILL", $ left for me to live on....

To build on celia's suggestion:
If the OP is subscribed to this topic, she is getting email notifications every time someone posts here. "Notify me when a reply is posted" is checked by default.

Victoria
by VictoriaF
Sat Aug 30, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16989

Re: Advice for stay at home mom/military wife going back to

I like Coursera and strongly recommend that you review its offerings and sample the ones that appeal to you. You don't have to complete a course or even take tests if it does not appeal to you. However, if you find your passion, Coursera will put you on the track in the convenience of your home. As ...
by VictoriaF
Sat Aug 30, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for stay at home mom/military wife going back to work
Replies: 24
Views: 1540

Re: NYC [Visit to New York City]

Central Park
Staten Island Ferry

Victoria
by VictoriaF
Sat Aug 30, 2014 4:57 pm
 
Forum: Personal Consumer Issues
Topic: NYC [Visit to New York City]
Replies: 44
Views: 1807

Re: Nope

davebarnes wrote:We just don't buy enough items in HUGE sizes.


Not everything in Costco is in HUGE sizes.

Victoria
by VictoriaF
Sat Aug 30, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 111
Views: 6559

Re: What Book Are You Currently Reading? Part V

I have just found out that a free 10-hour audio of Taleb's "The Black Swan" is available on YouTube.

Victoria
by VictoriaF
Sat Aug 30, 2014 3:18 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3279
Views: 1117726

Re: Bogleheads in Consumer Reports Magazine

Hopefully, we will see more women posters.

Victoria
by VictoriaF
Sat Aug 30, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads in Consumer Reports Magazine
Replies: 6
Views: 912

Re: Costco:is it worth it for just two people?

Depending on what you are buying, Costco can be worthy even for a single person. When I moved close to Costco and became a member, it became my primary source of groceries such as organic green salads, organic chicken, organic eggs, organic olive oil, and Pellegrino mineral water. I miss the variet...
by VictoriaF
Sat Aug 30, 2014 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 111
Views: 6559

Re: What Book Are You Currently Reading? Part V

Valuethinker wrote:In fact someone has written a book 'Jane Austen: Game Theorist' about the intricate interpersonal play of the book.


I have the book but have not read it yet. When I do, I'll post a review here.

Victoria
by VictoriaF
Sat Aug 30, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3279
Views: 1117726

Re: Costco:is it worth it for just two people?

Depending on what you are buying, Costco can be worthy even for a single person. When I moved close to Costco and became a member, it became my primary source of groceries such as organic green salads, organic chicken, organic eggs, organic olive oil, and Pellegrino mineral water. I miss the variety...
by VictoriaF
Sat Aug 30, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 111
Views: 6559

Re: What Book Are You Currently Reading? Part V

Finished Pride and Prejudice , by Jane Austen, mostly because having started it I wanted to at least finish it... this time. I "get" why some people love her stuff, but I can't honestly say I did. I'm not in a big hurry to read another. Yes, I liked it when Elizabeth lets Lady Catherine h...
by VictoriaF
Sat Aug 30, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3279
Views: 1117726

Re: My husband's " WILL", $ left for me to live on....

I'll just add that it appears that the OP's husband has been spending joint (marital) income over the last decade to pay down mortgages on properties with his name only on the deed, thus making the OP essentially partial owner of those properties. So I don't see how the husband can include jointly ...
by VictoriaF
Sat Aug 30, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16989

Re: My husband's " WILL", $ left for me to live on....

To the OP, In spite of your assurances, it does sound like he has read this thread or at least a friend of his has pointed him to it. How can you be so sure that he did not read it ? And I would recommend that he do read it. All my best, I recommended that the husband should read and comment on thi...
by VictoriaF
Sat Aug 30, 2014 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16989

Re: Where can I get a job like this?

anonforthis wrote:I’m willing to give up my weekend because we don’t really do anything anyway. My husband works every weekend. My kids will be with me so that’s perfect job.


If you have extra time, you can start taking Coursera classes to improve your professional skills.

Victoria
by VictoriaF
Fri Aug 29, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where can I get a [toddler-friendly weekend] job?
Replies: 18
Views: 1892

Re: My husband's " WILL", $ left for me to live on....

dansnad wrote:And if her husband dies soon, she will surely remarry and enjoy sharing in her new spouse's income.


You have no grounds for this statement.

Victoria
by VictoriaF
Fri Aug 29, 2014 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16989

Re: My husband's " WILL", $ left for me to live on....

If the OP does not know how to start a discussion with her husband, she could just point to this thread and ask him to respond publicly to all key points. If he is honest and knows what he is doing, he should have no problem providing most of the responses without revealing private information. Vict...
by VictoriaF
Fri Aug 29, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16989

Re: Another Milestone

Barefootgirl wrote:I'm a vestige of another time - today, after 5 years with my current employer, I am pension eligible.


This is a significant milestone. Congratulations, Barefootgirl!

Victoria
by VictoriaF
Fri Aug 29, 2014 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Another Milestone
Replies: 9
Views: 1322

Re: Gas station etiquette

strafe wrote:I'm really amused at how lengthy this silly thread has gotten. Nothing ignites conversation like gasoline, manners, and a catchy diagram.


You are a beneficiary of the lock-up of the "Chicken or Fish" and "Zegna Suits" threads.

Victoria
by VictoriaF
Thu Aug 28, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: Gas station etiquette
Replies: 46
Views: 2838

Re: My husband's " WILL", $ left for me to live on....

OP, I sympathize greatly with your situation (to an extent) and I have read the many responses above, many of which are excellent. I have 2 questions for you and only you can answer them. I ask these not out of callousness but rather because they are the ones that are obvious to me as a man who has...
by VictoriaF
Thu Aug 28, 2014 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16989

Re: Gas station etiquette

If you drive a gasser, and if other pump options are open, please don't use the only pump at the station with diesel too. You can tell by the green handles and sometimes green hoses. Yellow handles/hoses indicate biodiesel/mix. I don't think I would have ever known this if I didn't drive a diesel. ...
by VictoriaF
Thu Aug 28, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Gas station etiquette
Replies: 46
Views: 2838

Re: Gas station etiquette

pennstater2005 wrote:I'm just impressed with that graphic strafe!


In my Costco, the Exit sign would point to the right. Otherwise, I agree,

Victoria
by VictoriaF
Thu Aug 28, 2014 8:52 pm
 
Forum: Personal Consumer Issues
Topic: Gas station etiquette
Replies: 46
Views: 2838

Re: My husband's " WILL", $ left for me to live on....

So I can either start to save by getting a job or ask him somehow to increase the amount. People can change their wills at any time. Your husband may increase the amount he leaves for you in his will one day and change it to something else another day, without showing the latest will to you. If the...
by VictoriaF
Thu Aug 28, 2014 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16989

Re: Gas station etiquette

Thought 2: If I read you right, you were driving toward the empty spot ahead of A as A is getting into his car. Does that mean you could've stopped to let A pull out and away before you moved into the spot ahead of him? If so, that seems the most logical and polite thing to do, both for A and for B...
by VictoriaF
Thu Aug 28, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Gas station etiquette
Replies: 46
Views: 2838

Re: My husband's " WILL", $ left for me to live on....

Meg77 wrote:If you file taxes jointly you should be able to see how much income your family is earning.


Let me turn it into a question to the OP. Do you file taxes jointly? Do you have access to your 2013 tax returns?

Victoria
by VictoriaF
Thu Aug 28, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16989

Re: Chicken or Fish

Phish. It will feed you for the rest of your life.

Victoria
by VictoriaF
Thu Aug 28, 2014 5:08 pm
 
Forum: Personal Consumer Issues
Topic: Chicken or Fish
Replies: 10
Views: 733

Re: My husband's " WILL", $ left for me to live on....

Gill wrote:Everyone seems to be ignoring the OP's acknowledgment that she signed a prenup. All this discussion may be moot if she waived all her rights in his estate.
Gill


She has not waved her right to have a job. If the husband does not want her to get a job, they could negotiate a postnup.

Victoria
by VictoriaF
Thu Aug 28, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16989
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