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Re: Flights D.C. to London: Buy now or wait?

I've booked a ton of Star Alliance award flights in Europe this summer via United.com and the seats were automatically allocated according to my profile preference and elite status. But I will need to sit down one of these days, analyze the seats vs. the seating charts and call each airline to chan...
by VictoriaF
Sat Apr 19, 2014 5:12 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 22
Views: 431

Re: Flights D.C. to London: Buy now or wait?

The sooner you buy the better (at least 6 weeks out and on a Tuesday). Done! Thank you, ALL, for comments and recommendations, Victoria P.S. I did not want to wait until Tuesday. Last year, waiting cost me $500. I've got a reasonable price, excellent schedule and good seats and wanted to lock into ...
by VictoriaF
Sat Apr 19, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 22
Views: 431

Re: Flights D.C. to London: Buy now or wait?

Someone mentioned Barclay card. I've had it for about nine months now and love it. I've stopped using all my airline cards because miles from Barclay purchases can be used toward any airlines with no restrictions or converted to cash. No need to keep a stack of airline credit cards anymore. I have ...
by VictoriaF
Sat Apr 19, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 22
Views: 431

Re: Flights D.C. to London: Buy now or wait?

1. Are there any reasons not to buy now? The airlines quite often have fall sales, though this may not impact what I assume is quite a busy route. If you're in United's FF program - depending on your level (i.e. "silver" is useless, and increasingly "gold"), a United-branded cre...
by VictoriaF
Sat Apr 19, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 22
Views: 431

Re: Flights D.C. to London: Buy now or wait?

I'd buy now. I don't know if the Barclay's card gives you any perks, but an airline affiliated card would. For example, United Mileage Plus gets you early boarding and more miles. OK, the early boarding is no longer special since everybody has one of these cards now. I flew round-trip Houston to Lo...
by VictoriaF
Sat Apr 19, 2014 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 22
Views: 431

Re: Flights D.C. to London: Buy now or wait?

Thank you, Aptenodytes. I am looking at Kayak now, and in the upper-left hand corner I see a small block titled "Price Trend" with a jagged graph and a note below it "We cannot make a confident forecast." Is that the type of information you were referring to? Victoria That's it....
by VictoriaF
Sat Apr 19, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 22
Views: 431

Re: Flights D.C. to London: Buy now or wait?

Thank you, Aptenodytes.

I am looking at Kayak now, and in the upper-left hand corner I see a small block titled "Price Trend" with a jagged graph and a note below it "We cannot make a confident forecast." Is that the type of information you were referring to?

Victoria
by VictoriaF
Sat Apr 19, 2014 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 22
Views: 431

Flights D.C. to London: Buy now or wait?

I will be flying from Washington, D.C. to London in late September. Right now, the prices are very close across different airlines, at about $1,100 for a non-stop round trip. I am tempted to buy the tickets now, because last year I waited too long and my flights to Vienna were over $2,000. 1. Are th...
by VictoriaF
Sat Apr 19, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 22
Views: 431

Re: POLL: why carry cash?

I wish people would subsist on just one food. Checkout lines would move much faster if the cashier could scan once and press x17. All those people eating a varied diet just to slow down others. Have they no consideration? This is what sscritic does with his donuts. Where I buy donuts, the immigrant...
by VictoriaF
Sat Apr 19, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 130
Views: 2581

Re: POLL: why carry cash?

You mean there is an alternative to cash and credit cards? I missed that in this thread. Just don't try that stuff ahead of me in the grocery store. People with checks are as bad as people with 17 items in the 10 or less line. Now that's where we need some financial education, if being able to coun...
by VictoriaF
Sat Apr 19, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 130
Views: 2581

Re: Speculation on I Bond fixed rate for May 1st

Any more speculation? At one time I thought it was possible to be fairly sure about the upcoming rate during the two week window before the announcement, and make an informed decision about buying before or after the switch - am I misremembering? We need to have a betting market. For example, I wou...
by VictoriaF
Sat Apr 19, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 27
Views: 2530

Re: POLL: why carry cash?

DVMResident wrote:Tip and gifts to friends in cash.


You tip your friends?

Victoria
by VictoriaF
Sat Apr 19, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 130
Views: 2581

Re: SS Strategy Metric

If you can afford to wait-then you can afford to take at 62. Not if I live to 125 :wink: John Ok-plan on 125 Ray Kurzweil claims that if you survive until the year 2043, and your body is still OK, the medicine of that time will propel you into perpetuity. Longevity related medical advances are acce...
by VictoriaF
Sat Apr 19, 2014 12:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Strategy Metric
Replies: 49
Views: 2547

Re: POLL: why carry cash?

I'd write you last sentence "Still, the remoteness from cash did cause some of the people in these studies to lose some integrity whether by engaging in more cheating on tests or in cheating themselves by buying junk food." I agree with the rewrite. I'll add that behavioral studies provid...
by VictoriaF
Sat Apr 19, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 130
Views: 2581

Re: POLL: why carry cash?

How well this generalizes is not clear. Generalizing is an issue with all behavioral experiments. Experiments are controlled for a single variable, whereas in the real life people are simultaneously subjected to many different stimuli, some of which are pulling in different directions. Also, the va...
by VictoriaF
Sat Apr 19, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 130
Views: 2581

Re: POLL: why carry cash?

An example of the latter is that when people were paying with credit or debit cards in grocery stores they were more likely to pick up some junk food hanging near the cash register than when they were paying with cash. Somehow, it's easier to exercise the willpower when real money is involved. I've...
by VictoriaF
Sat Apr 19, 2014 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 130
Views: 2581

Re: POLL: why carry cash?

Behavioral economics experiments show that people behave more honestly and make more prudent decisions when they use cash. An example of the former is that when students were getting cash for completing puzzles they were cheating much less than when they were receiving a token exchangeable for cash...
by VictoriaF
Sat Apr 19, 2014 10:08 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 130
Views: 2581

Re: Amazon.com prices change quickly

Use camelcamelcamel.com to track amazon prices to spot trends. I went to camelcamelcamel.com and it seems too good to be true. - Have you had experience with giving them your email address? - Any issues with spam? - If you list some desired price, would they contact you if the price drops below you...
by VictoriaF
Sat Apr 19, 2014 9:48 am
 
Forum: Personal Consumer Issues
Topic: Amazon.com prices change quickly
Replies: 32
Views: 2329

Re: POLL: why carry cash?

Behavioral economics experiments show that people behave more honestly and make more prudent decisions when they use cash. An example of the former is that when students were getting cash for completing puzzles they were cheating much less than when they were receiving a token exchangeable for cash ...
by VictoriaF
Sat Apr 19, 2014 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 130
Views: 2581

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

The simple Boglehead-style investing is fundamentally boring and your writing provides a welcome diversion. But I doubt that your different way of looking at the world and your unique insights can enhance the Bogleheads' investment outcomes. Um. That was a little... patronizing. It might even have ...
by VictoriaF
Fri Apr 18, 2014 11:53 pm
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 45
Views: 3606

Re: SS Strategy Metric

Interesting that so many people on this forum say they are or suggest waiting until age 70 to collect social security ... while the statistics say that only 2% of the people wait until age 70 ... agreed that people on this forum are generally more financially interested/educated than the general pu...
by VictoriaF
Fri Apr 18, 2014 11:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Strategy Metric
Replies: 49
Views: 2547

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

Morality, though... they have not set out any guards against morality. Their hubris has not changed. Their opponent has. This is an interesting idea, but as with all Black Swans, we won't know how it'll play out until it will have played out. Here is a recent example of your concept that (so far) h...
by VictoriaF
Fri Apr 18, 2014 11:08 pm
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 45
Views: 3606

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

I'm afraid if I keep going I will be carried out of my depth, and I'm not wearing my water wings. Bogleheads are financial ninjas and I am still in the "chop wood, carry water" phase of my novitiate. I do think that sometimes my seeing things so personally means I may have something to of...
by VictoriaF
Fri Apr 18, 2014 10:55 pm
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 45
Views: 3606

Re: Amazon.com prices change quickly

http://camelcamelcamel.com is fascinating; I hadn't heard about it before. The ability to set a price point and have it shoot you an email or a tweet is incredible. It feels similar to setting a price point on a stock and having it auto-buy it for you. However -- as JoMoney mentioned above, isn't t...
by VictoriaF
Fri Apr 18, 2014 9:56 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com prices change quickly
Replies: 32
Views: 2329

Re: Amazon.com prices change quickly

Use camelcamelcamel.com to track amazon prices to spot trends. I went to camelcamelcamel.com and it seems too good to be true. - Have you had experience with giving them your email address? - Any issues with spam? - If you list some desired price, would they contact you if the price drops below you...
by VictoriaF
Fri Apr 18, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com prices change quickly
Replies: 32
Views: 2329

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

Morality, though... they have not set out any guards against morality. Their hubris has not changed. Their opponent has. This is an interesting idea, but as with all Black Swans, we won't know how it'll play out until it will have played out. Here is a recent example of your concept that (so far) h...
by VictoriaF
Fri Apr 18, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 45
Views: 3606

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

chaz wrote:Please note Victoria's avatar. It has meaning in this thread.


Chaz, are you picking on me or on Black Swans?

Victoria
by VictoriaF
Fri Apr 18, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 45
Views: 3606

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

What if the market itself is subject to a Black Swan? I submit that underlying dishonesty in the numbers, if such dishonesty exists, is such a Black Swan, and rebalancing will not help guard against that. Everything is subject to Black Swans, and it particularly applies to the market. And so yes, t...
by VictoriaF
Fri Apr 18, 2014 4:20 pm
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 45
Views: 3606

Re: *poor* Bogleheads

A long time ago, I decided that I would be better off assimilating into the American social circles rather than clinging to a Russian-speaking community, and I have never regretted my choice. The rewards are far greater than the challenges. The same is hopefully true for those who are breaking the ...
by VictoriaF
Fri Apr 18, 2014 3:44 pm
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 5165

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

I think you risk imprisoning yourself in a paradigm of your own by not caring. If numbers are not accurate, why do we use them? We might as well stick to haiku. The foundation of a sustainable financial system is honest numbers. Dishonest weights and measures have been an abomination for thousands ...
by VictoriaF
Fri Apr 18, 2014 3:32 pm
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 45
Views: 3606

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

The market declining is normal. What happened in 2008 (really 2007) was an earthquake under the foundations of finance. In an earthquake you dive under the table or brace yourself in the doorway and hope the house doesn't come down and kill you. I'm afraid they just wallpapered over the cracks and ...
by VictoriaF
Fri Apr 18, 2014 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 45
Views: 3606

Re: *poor* Bogleheads

This Forum is not an outlet for gloating, it is focused on solving financial issues and defining the way forward. Both types of decisions depend on the size of one's portfolio and so it's naturally comes up in the discussions. Maybe not consciously, but it certainly comes out that way from some mem...
by VictoriaF
Fri Apr 18, 2014 2:54 pm
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 5165

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

The recession of 2008-2009 itself was not a Black Swan. Oh yes. Yes it was. I watched the Chairman of the Federal Reserve make public statements that could not possibly be true and I saw that he really believed they were true. I saw how inadequate the "captains of finance" were at underst...
by VictoriaF
Fri Apr 18, 2014 2:36 pm
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 45
Views: 3606

Re: *poor* Bogleheads

This Forum is not an outlet for gloating, it is focused on solving financial issues and defining the way forward. Both types of decisions depend on the size of one's portfolio and so it's naturally comes up in the discussions.

Victoria
by VictoriaF
Fri Apr 18, 2014 1:58 pm
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 5165

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

There is nothing at all wrong with High IQ. I don't think the point is to disparage intelligence. Being very intelligent is a big advantage in life. What I would say is what matters is what you do with what you have. There is a difference between high intelligence and good judgment. If you have the...
by VictoriaF
Fri Apr 18, 2014 10:09 am
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 45
Views: 3606

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

I disagree a little bit with "Doesn't Matter: Predicting the next Black Swan." I clearly saw the 2008 crash coming. Clearly. Odd because I am no financial whiz of any kind, it was the human elements involved that alerted me, the ridiculous hubris I saw coming to a point of crisis. I didn'...
by VictoriaF
Fri Apr 18, 2014 10:07 am
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 45
Views: 3606

Re: Washington DC Area Bogleheads

Hi Bob,

Thank you for the news. Do you know if we are the largest Bogleheads group?

Victoria
by VictoriaF
Thu Apr 17, 2014 10:07 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Washington DC Area Bogleheads
Replies: 163
Views: 49069

Re: Little to no income for 2 years- take IRA RMDs up to 37k

he could simply not trust Congress to not change the laws involving taxation of Roths in the future. This is just a kernel for thought. I have seen in my years social security going from being nontaxed to taxed up to 85%. I have no dog in this fight, but thought I would point it out. Taxing Roth ac...
by VictoriaF
Thu Apr 17, 2014 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Little to no income for 2 years- take IRA RMDs up to 37k?
Replies: 14
Views: 1149

Re: Shuttle from Tampa airport to St Pete Beach?

Victoria... thank you for the PM. I attempted a reply, but each effort yields this message: Some users couldn’t be added as they have disabled private message receipt . I was able to send Me a test message, but couldn't get one delivered to you. --nibble Hi nibble, I have temporarily turned my PM o...
by VictoriaF
Thu Apr 17, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Shuttle from Tampa airport to St Pete Beach?
Replies: 16
Views: 854

Re: Over-55 communities a ripoff?

Question: Why would an over-55 'empty-nest' couple 'downsize' by selling their long-time and likely paid-off home, and buying into a new over-55 community? These heavily-marketed communities are no bargain, with 3-bedroom homes starting in the $300,000 range where I live (Philadelphia area). If the...
by VictoriaF
Thu Apr 17, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Over-55 communities a ripoff?
Replies: 38
Views: 2581

Re: Magnifying Glasses

I did an Amazon.com search for magnifying glasses, and Vivitar Viv-mag-2 Set Of 2 Magnifying Glasses was the first hit. Of 239 reviewers, 170 gave it 5 stars and 43 gave 4 stars.

Victoria
by VictoriaF
Thu Apr 17, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Magnifying Glasses
Replies: 4
Views: 218

Re: Q&A with the Experts at 2014 Bogleheads Conference

In March-April we were bombarded with the news about High Frequency Trading (HFT). What is your current opinion about HFT and the merits of Vanguard using HFT-resistant exchanges such as IEX?

Thank you,
Victoria

P.S. I posted the same question for Jack. I am interested in different opinions.
by VictoriaF
Thu Apr 17, 2014 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: Q&A with the Experts at 2014 Bogleheads Conference
Replies: 2
Views: 387

Re: Q&A with Jack Bogle at 2014 Bogleheads Conference

Jack,

In March-April we were bombarded with the news about High Frequency Trading (HFT). What is your current opinion about HFT and the merits of Vanguard using HFT-resistant exchanges such as IEX?

Thank you,
Victoria
by VictoriaF
Thu Apr 17, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: Q&A with Jack Bogle at 2014 Bogleheads Conference
Replies: 4
Views: 566

Re: If You Can New Free Dates

Bill Bernstein wrote:There's a chance I'll have to cancel the 21st


Don't cancel if you can {a pun},

Victoria
by VictoriaF
Thu Apr 17, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: If You Can New Free Dates
Replies: 3
Views: 619

Re: If you leave your job, can you use up your whole FSA?

This is not exactly a loophole, because it works both ways. I left my previous employer in the middle of a year. But that time, I've contributed a half of the annual amount into the FSA, but have not incurred any medical expenses. My contributions were lost.

Victoria
by VictoriaF
Thu Apr 17, 2014 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: If you leave your job, can you use up your whole FSA?
Replies: 18
Views: 1119

Re: Baby Boomers: Top 10 Movies

Jerrybaby wrote:
VictoriaF wrote:My additions:
"It's a Mad Mad Mad Mad World" and
"Victor and Victoria," of course.

Victoria


Mad, mad world, yes, yes.


If the characters in the four cars were Bogleheads, how do you think we would have divided the money?

Victoria
by VictoriaF
Thu Apr 17, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 35
Views: 2219

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

Doesn’t Matter: Having the highest IQ in the room. Does Matter: Developing your emotional intelligence. I detest this habit of disparaging IQ. High intelligence should supersede high asset value as a life's goal. having the highest iq in the room means little in success in life or business and shou...
by VictoriaF
Thu Apr 17, 2014 9:38 am
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 45
Views: 3606

Re: Federal Employment Question

If I was dissatisfied with my job, my supervisor, or my location, I would have to look for another federal government job or remain in a poor work environment. It's hard to quantify this positive aspect of FERS over CSRS but it's real. MichDad The ability to leave is a very important component of t...
by VictoriaF
Thu Apr 17, 2014 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employment Question
Replies: 20
Views: 1322

Re: Shuttle from Tampa airport to St Pete Beach?

nibble wrote:Hello, Victoria! You are in my neighbourhood. If you are interested, it would be my honor to show you around at any time. I think you can PM me? No matter what, welcome to Florida!


Thank you, Nibble. I sent you a PM.

Victoria
by VictoriaF
Thu Apr 17, 2014 9:07 am
 
Forum: Personal Consumer Issues
Topic: Shuttle from Tampa airport to St Pete Beach?
Replies: 16
Views: 854

Re: Shuttle from Tampa airport to St Pete Beach?

TimeRunner wrote:Whoo-hoo! Spring Break! Girls Gone Wild! Go Victoria!!! :beer

That's what girls are for!

Victoria
by VictoriaF
Thu Apr 17, 2014 9:06 am
 
Forum: Personal Consumer Issues
Topic: Shuttle from Tampa airport to St Pete Beach?
Replies: 16
Views: 854
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