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Re: fleeced by an adviser, is there a recourse?

Bogleheads: Because we are not taught about investing in school, . . . That might be a good thing as most attempts I have seen to bring investment education into schools are either opportunities for predatory investment advisors to peddle their view of the world or, even worse, for well meaning eng...
by VictoriaF
Wed Oct 29, 2014 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: fleeced by an adviser, is there a recourse?
Replies: 70
Views: 5989

Re: fleeced by an adviser, is there a recourse?

I think all financial advisers should be required by law to send their clients a yearly bill for all their services, instead of quietly taking their fees out of the account where the client never notices. The bill should state exactly what expenses the client has accrued in the past year, including...
by VictoriaF
Wed Oct 29, 2014 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: fleeced by an adviser, is there a recourse?
Replies: 70
Views: 5989

Re: Buying Salmon Online

mrsevansc wrote:Thank you for the excellent suggestions everyone :happy


Thank you for asking the question. I bookmarked several salmon sources recommended in this discussion.

Victoria
by VictoriaF
Wed Oct 29, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Buying Salmon Online
Replies: 20
Views: 1594

Re: Do you dream about retirement?

I'm 28. And to preface this I work in a hospital. No, I don't dream about retirement. I spend less time on these boards than I did when I was 25, partially because I'm now on autopilot but also because I don't feel the same way many of you do about saving anymore. Because I see so many people daily...
by VictoriaF
Wed Oct 29, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you dream about retirement?
Replies: 82
Views: 5170

Re: What Book Are You Currently Reading? Part VI

I am reading So Good They Can't Ignore You: Why Skills Trump Passion in the Quest for Work You Love by Cal Newport. The book starts out by dispelling the Passion Hypothesis , i.e., a common advice to follow one's passion in selecting career. Newport's alternative to starting with a passion and then...
by VictoriaF
Wed Oct 29, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 133
Views: 9475

Re: Should I use 50k Delta miles for a $600 flight?

I think the key is that if you already are a fairly frequent traveler anyway and therefore more familiar to start with concerning travel, destinations, airlines, fares, and services and very likely may have some standing in various airline frequent flyer programs, then the mileage game is a natural...
by VictoriaF
Tue Oct 28, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 4332

Re: Should I use 50k Delta miles for a $600 flight?

Easy options come and go. Amazon payments was a very easy way to generate $1000 of extra spending each month with about 30 seconds of work at a computer. That has since been shut down. Just another in a long line of things. I would not get discouraged immediately as its rare to go too long without ...
by VictoriaF
Tue Oct 28, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 4332

Re: Should I use 50k Delta miles for a $600 flight?

A couple of sources include: http://thepointsguy.com/ http://boardingarea.com/ A fair warning though is that this whole area could perhaps best be characterized as an enthusiast hobby rather than a common sense form of intelligent consumer behavior. Does a person really want to end up with two doze...
by VictoriaF
Tue Oct 28, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 4332

Re: Should I use 50k Delta miles for a $600 flight?

Well, one way to manufacture spend is to charge your taxes. I recently got a card that gives 50,000 mile after spending $3000 in 3 months. I don't spend anywhere near that, so I had a $1500 property tax bill and paid $1500 in estimated taxes. The fees were roughly 2%, so I feel like I spent $60 for...
by VictoriaF
Tue Oct 28, 2014 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 4332

Re: Should I use 50k Delta miles for a $600 flight?

The one really notorious offer was the now expired Citi offer of 100,000 AA miles which some people appear to have repeated many times. ... Apparently accruing a couple of million frequent flier miles across a few airlines is straightforward for people who want to work at it and are in a position t...
by VictoriaF
Tue Oct 28, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 4332

Re: Should I use 50k Delta miles for a $600 flight?

I started reading about Manufactured Spending and it seems too complicated. One must have an Amex Bluebird and a Vanilla Reload (VR) card. Then one must load money into VR and unload them into Bluebird. From what I have read so far, this was done using CVS pharmacies, but now CVS does not sell VR re...
by VictoriaF
Tue Oct 28, 2014 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 4332

Re: your advisor should act like a good doctor

Victoria Sorry but I totally disagree. While data mining does happen--they find a correlation and then look for an explanation---that isn't not only always true, no good researcher does that. Fama and French for example don't and neither do any of the people I know in the industry who are respected...
by VictoriaF
Tue Oct 28, 2014 2:27 pm
 
Forum: Investing - Theory, News & General
Topic: your advisor should act like a good doctor
Replies: 29
Views: 2114

Re: Gross Yearly Income needed in Retirement (Speculation)

I think $2 million is more than enough for most people. That number I think you mean for Retirement Assets, not Gross Yearly Income. But yes, I could survive nicely with $2M in taxable income each year as well. It would be no problem keeping my yacht's fuel tank full... Naw, you'd have to buy more ...
by VictoriaF
Tue Oct 28, 2014 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 12401

Re: Should I use 50k Delta miles for a $600 flight?

Exterous, 2stepsbehind, et al, Thank you very much! I have one more question, which is rather critical: Apparently, there are various ways to qualify for the initial bonuses in the absence of high expenditures. Someone said that this is covered on the Fliertalk site, but I could not find relevant di...
by VictoriaF
Tue Oct 28, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 4332

Re: Should I use 50k Delta miles for a $600 flight?

I always thought this would truly harm your credit score. Has anyone else on the forum done something like this without repercussions? What "repercussions" are you concerned about? As autonomy noted unless you are planning to apply for a mortgage, car or student loan within the next year ...
by VictoriaF
Tue Oct 28, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 4332

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

Caduceus wrote:(Actually, are there famous investors who have had an engineering/science background? A quick search of Google's lists doesn't reveal any, but I'm sure there must be some.)


Jim Otar is an engineer. And so am I.

Victoria
by VictoriaF
Tue Oct 28, 2014 10:23 am
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 125
Views: 8815

Re: Buying Salmon Online

I checked Amazon.com and found: Wild Alaskan Salmon Random Weight Dinner Fillets - Buyer's Club Bulk Pack - Wild King Salmon, 10 lbs - $270 + $18 (shipping) - Wild Sockeye Salmon, 10 lbs - $180 + $18 (shipping) Each shipment contains about 26 portions varying in size from 4.5oz to 7oz, providing Wil...
by VictoriaF
Tue Oct 28, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: Buying Salmon Online
Replies: 20
Views: 1594

Re: your advisor should act like a good doctor

Victoria In investing/finance we can do out of sample tests to see if results hold up.. So you can test A) different time periods B) different geographical regions C) Different countries D) different asset classes The more of these tests that are met the more confident you can be in your results. T...
by VictoriaF
Tue Oct 28, 2014 9:33 am
 
Forum: Investing - Theory, News & General
Topic: your advisor should act like a good doctor
Replies: 29
Views: 2114

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

Just slides? Sorry but I find slide presentations all but useless. Bummer. Any videos to help educate us peasants from the meet up? See Lady Geek's message above. I second Billy's response. Furthermore, if you are concerned about effective dissemination of information, please post your comments bel...
by VictoriaF
Tue Oct 28, 2014 9:21 am
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 47
Views: 4159

Re: If holding cash, do you want a Great Depression?

If holding cash, do you want a Great Depression? - If storing meat in your freezer, do you want a famine? - If getting immunizations, do you want an epidemic? - If buying books, do you want illiteracy? All these activities are conducted for a wide variety of reasons, the macabre ones being used by ...
by VictoriaF
Tue Oct 28, 2014 9:09 am
 
Forum: Investing - Theory, News & General
Topic: If holding cash, do you want a Great Depression?
Replies: 50
Views: 3793

Re: Career Advice for an Unhappy Young Doctor?

Many are treated as little more than high priced help that the administrators would love to replace with mid priced help. I am sure this is true, and demoralizing. Unfortunately, you just described virtually everyone in every high-paying corporate job. And I don't really see why medicine _should_ b...
by VictoriaF
Tue Oct 28, 2014 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 76
Views: 6750

Re: Do you dream about retirement?

I never "dreamt" about retirement. I had some criteria that I needed to meet in order to retire, the most important of which was eligibility for health insurance. The amount of money I had for retirement was always secondary, because I knew that I could live a low-cost lifestyle. However, ...
by VictoriaF
Tue Oct 28, 2014 8:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you dream about retirement?
Replies: 82
Views: 5170

Re: your advisor should act like a good doctor

A critical difference between medicine and finance is that in medicine treatments are based on double blind controlled experiments. In finance such experiments are impossible.

Victoria
by VictoriaF
Tue Oct 28, 2014 7:53 am
 
Forum: Investing - Theory, News & General
Topic: your advisor should act like a good doctor
Replies: 29
Views: 2114

Re: Athens and London, what to do and where to stay?

Try the Underground once for the experience, then use bus to get around -- you'll see Big Ben, Parliament, London Eye, etc. Many experiences in London are free -- people watching, seeing the famous buildings and monuments. I had trouble with London buses. In early October, I was going from Bloomsbu...
by VictoriaF
Mon Oct 27, 2014 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Athens and London, what to do and where to stay?
Replies: 36
Views: 1928

Re: Career Advice for an Unhappy Young Doctor?

Hi, do you know what she is interested in doing otherwise? I'm in the field of Preventive Medicine which I think of as the field of "misfits" in medicine. We gain expertise in population and public health. Most folks join after completing a full residency (usually family or internal medic...
by VictoriaF
Mon Oct 27, 2014 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 76
Views: 6750

Re: Using your own equipment on Uverse and Comcast

We only have internet with Comcast. ... Getting much better service, can use all the bells and whistles on our new router and didn't even need to ring Comcast to activate it - all done online. How did you activate the new modem online? You did not have the Internet connection until the new modem wa...
by VictoriaF
Mon Oct 27, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: Using your own equipment on Uverse and Comcast
Replies: 22
Views: 1656

Re: Should I use 50k Delta miles for a $600 flight?

dgdevil wrote:Yeah, good call. Better book now. I mean, right NOW! Bon voyage.


If the OP waits long enough, the ticket cash price will rise to $1,000 and he will get 2 cents per mile. {joking}

Victoria
by VictoriaF
Mon Oct 27, 2014 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 4332

Re: Bucket Approach Redux

Taylor has said repeatedly that when times are good, you can withdraw a little more, and when times are not as good, tighten your belt and live on less. Now THAT is a philosophy I can understand. I, for one, would not want to withdraw less when times are not good. I want to have enough cash to pay ...
by VictoriaF
Mon Oct 27, 2014 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Bucket Approach Redux
Replies: 35
Views: 2552

Re: How often do you change your car's oil?

an_asker wrote:
DaftInvestor wrote:This has been an interesting read....I can't wait for the "How often do you rotate your tires" thread.....

How many Bogleheads does it take to rotate a car tire?
None - the tires rotate by themselves when Bogleheads drive ;-)


Furthermore, the tires get rebalanced automatically.

Victoria
by VictoriaF
Mon Oct 27, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6087

Re: How often do you change your car's oil?

DaftInvestor wrote:This has been an interesting read....I can't wait for the "How often do you rotate your tires" thread.....


I nominate "How often do you wash your coffee mug?" for the next thread.

Victoria
by VictoriaF
Mon Oct 27, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6087

Re: Bogleheads Conference

Thank you, Jack, for coming to the Bogleheads gathering. You were The Man In The Arena once again, among your greatest fans.

Victoria
by VictoriaF
Mon Oct 27, 2014 10:12 am
 
Forum: Local Chapters and Bogleheads Community
Topic: 2014 Bogleheads Conference Message from Jack Bogle
Replies: 10
Views: 1353

Re: Career Advice for an Unhappy Young Doctor?

Maybe she should have quit when she first wanted to. Ten years is a long time to waste out of one's life. Everyone seems to be suggesting she keep wasting more of it. By finishing the medical school and residency, the woman has accumulated a significant career capital . The worst thing she could do...
by VictoriaF
Mon Oct 27, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 76
Views: 6750

Re: Career Advice for an Unhappy Young Doctor?

I'm not a doctor, but I think it's going to be difficult to give second-hand advice this way. Encourage her to join Bogleheads and it will be more productive. It's possible she's in the wrong specialty and might enjoy lab work better, for instance, rather than dealing with patients all the time. Bu...
by VictoriaF
Mon Oct 27, 2014 7:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 76
Views: 6750

Re: Feeling rich to feeling poor overnight

... am paying less than $2,000 per month for a 2-bedroom apartment. Examples of sacrificed quality are that some of my windows don't open........ There were more serious issues that the management has fixed ........ Victoria I sincerely hope those non-opening windows are not the only escape route i...
by VictoriaF
Mon Oct 27, 2014 7:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10581

Re: Using your own equipment on Uverse and Comcast

I strongly recommend that you buy your own modem. However, that won't eliminate other issues. See my Comcast story that's still evolving.

Victoria
by VictoriaF
Mon Oct 27, 2014 7:27 am
 
Forum: Personal Consumer Issues
Topic: Using your own equipment on Uverse and Comcast
Replies: 22
Views: 1656

Re: How often do you change your car's oil?

I take my cars (Honda Accords) to the dealer twice a year (in November to have studded snow tires put on and in April to have them taken off). I have them change the oil at those times (even though I drive much less than 3K miles during those intervals.) Is there a reason you do it at the dealershi...
by VictoriaF
Sun Oct 26, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6087

Re: How often do you change your car's oil?

I take my cars (Honda Accords) to the dealer twice a year (in November to have studded snow tires put on and in April to have them taken off). I have them change the oil at those times (even though I drive much less than 3K miles during those intervals.) Is there a reason you do it at the dealershi...
by VictoriaF
Sun Oct 26, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6087

Re: Should I use 50k Delta miles for a $600 flight?

I have averaged 1.7 cpm on Delta redemptions over the past few years, but those are all international flights and involve far more than 50,000 miles. I suspect your return is probably about average. Pointsguy.com gives 1.2 cpm as the Delta average for domestic flights. I think the best I have ever ...
by VictoriaF
Sun Oct 26, 2014 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 4332

Re: Feeling rich to feeling poor overnight

Surely in the SF Bay area there are good agencies for young professionals who will do all the legwork/searching to find you a new rental. Normally, you don't pay their fee, the owner (landlord) does. Using an agency is the most expensive route. Agencies deal only with the most expensive rental buil...
by VictoriaF
Sun Oct 26, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10581

Re: Should I use 50k Delta miles for a $600 flight?

I usually use my AA miles on flights to east asia, particularly including a JAL direct Boston-Tokyo flight. Economy tickets for that flight cost about $2k roundtrip or 70k miles, so close to 3cent per mile. I think 50k miles for a $600 ticket is not a good deal. Of course nominally you'll get the b...
by VictoriaF
Sun Oct 26, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 4332

Re: Feeling rich to feeling poor overnight

Surely in the SF Bay area there are good agencies for young professionals who will do all the legwork/searching to find you a new rental. Normally, you don't pay their fee, the owner (landlord) does. Using an agency is the most expensive route. Agencies deal only with the most expensive rental buil...
by VictoriaF
Sun Oct 26, 2014 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10581

Re: Bogleheads.org equivalents for other areas of life?

I'd be interested in comparable forums that cover areas that are excluded from the Bogleheads Forum's policy, such as health and economics.

Victoria
by VictoriaF
Sun Oct 26, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 69
Views: 6504

Re: Gross Yearly Income needed in Retirement (Speculation)

I keep a spreadsheet with my budget and actual expenses. For the retirement years, I took my working-years budget, increased expenses in some categories and reduced expenses in other categories. The result was a large net increase in my expenses. The only major area that decreased was IRA contributi...
by VictoriaF
Sun Oct 26, 2014 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 12401

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

BrandonBogle wrote: Beautiful cars. Half tempted to post in the Tesla S thread, but they weren't mine. Someday!...
Image


Beautiful? To my untrained eye they look like a Chevy.

Victoria
by VictoriaF
Sat Oct 25, 2014 8:22 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 47
Views: 4159

Re: Do you regret buying your home?

greg24 wrote:I'm sure renters never regret their choices.


When renters regret their choices, they move to other rental apartments.

Victoria
by VictoriaF
Sat Oct 25, 2014 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 6766

Re: Feeling rich to feeling poor overnight

I am already judging myself harshly for sounding incredibly whiny, so I'd appreciate restraint from sharing "get some perspective" comments many of you must be thinking... Any advice or words of wisdom? DJB: I'm sorry, but you have $350k in savings at 29 and you're feeling poor because yo...
by VictoriaF
Sat Oct 25, 2014 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10581

Re: Feeling rich to feeling poor overnight

3. Don't spend 30 min each way commuting. Time is more valuable than money. You are concerned about not contributing $10k year to Roth and losing that space forever - well, in a 30 min commute each way you lose 1 hour a day forever - almost 4% of your time. No way. It's even worse than that. Of the...
by VictoriaF
Sat Oct 25, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10581

Re: Feeling rich to feeling poor overnight

CPABOB wrote:I live in a rural area and 30 minutes is nothing. That is less than the time it takes to go from my house to my office. If I were you, I would move 30 minutes away and put that money towards the future.


In my opinion, a long commute is the worst option for the OP.

Victoria
by VictoriaF
Sat Oct 25, 2014 6:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10581

Re: Feeling rich to feeling poor overnight

Surely in the SF Bay area there are good agencies for young professionals who will do all the legwork/searching to find you a new rental. Normally, you don't pay their fee, the owner (landlord) does. Using an agency is the most expensive route. Agencies deal only with the most expensive rental buil...
by VictoriaF
Sat Oct 25, 2014 6:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10581

Re: Athens and London, what to do and where to stay?

dolphinsaremammals wrote:British Museum.


Excellent suggestion. I was there on the 1st October and particularly enjoyed centaurs and sphinxes.

Victoria
by VictoriaF
Fri Oct 24, 2014 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Athens and London, what to do and where to stay?
Replies: 36
Views: 1928
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