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Re: Establishing a dementia trust

I don't have any experience with a dementia trust, but the language in my POA for Health Care would probably be similar: "... takes effect upon a finding of incapacity by two physicians, or one physician and one licensed psychologist, who personally examine the principal and sign a statement t...
by VictoriaF
Tue Jul 22, 2014 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Establishing a dementia trust
Replies: 8
Views: 685

Re: Buying in ok neighborhood vs good neighborhood

Renovations always cost more than the estimates. I'd recommend choosing the house with the minimum amount of renovations. The fact that it's in a better neighborhood is a bonus.

Good luck,

Victoria
by VictoriaF
Tue Jul 22, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying in ok neighborhood vs good neighborhood
Replies: 27
Views: 1494

Re: AAA worth it? I have Allstate

There could be adverse selection for the AAA membership. People comfortable with diagnosing and working on their cars don't need AAA. Those who don't know how to open the hood probably drive up the membership prices, but for them (for us), it's worth it.

Victoria
by VictoriaF
Tue Jul 22, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: AAA worth it? I have Allstate
Replies: 53
Views: 2874

Re: AAA worth it? I have Allstate

Every year at the renewal time, I was thinking about dropping the AAA membership but ultimately was deciding to continue. A couple weeks ago, it has paid off when my battery died. If I knew that it was just a dead battery, I would have asked someone for a jump-start and driven to a mechanic. But I d...
by VictoriaF
Tue Jul 22, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: AAA worth it? I have Allstate
Replies: 53
Views: 2874

Re: Downsizing to Apartment

Retirement and divorce downsized me from 4000 sq ft for two to 700 sq ft for one. Two years ago I upsized to 2000 sq ft for one. I have a lot more room for the grandkids now and a separate room for bogleheads and Chinese soap operas. I like it better this way, even if I do have to dispose of the de...
by VictoriaF
Tue Jul 22, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Downsizing to Apartment
Replies: 15
Views: 1737

Re: How to track expenses to the penny?

I use Excel to track my incurred expenses. Excel does it to the penny, and there is no extra effort to enter pennies. Tracking exact amounts spent also helps reconciling credit card statements. I summarize my planned expenses in about twenty categories. These categories are invaluable in planning my...
by VictoriaF
Tue Jul 22, 2014 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: How to track expenses to the penny?
Replies: 33
Views: 1929

Re: Options/guidance for a lazy person to be fit

surfstar wrote:
pennstater2005 wrote:Everything in moderation, including moderation.


+ [a moderate #]


This thread is moderately moderated by the moderators.

Victoria
by VictoriaF
Mon Jul 21, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 72
Views: 4567

Re: Hw many credit cards to own?

For a long time, I had two credit cards and did not care about having more for the sake of simplicity. But in the past few months, I have acquired three new cards--and may get one or two more. My reasoning is that this is a special period during my transition from full-time employment to retirement....
by VictoriaF
Mon Jul 21, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 59
Views: 2897

Re: The ultimate Boglehead exercise

BlueFin wrote:How about a nice long walk?


That's what I am planning for el Camino de Santiago. Several Bogleheads have already done it.

Victoria
by VictoriaF
Mon Jul 21, 2014 8:30 am
 
Forum: Personal Consumer Issues
Topic: The ultimate Boglehead exercise
Replies: 21
Views: 2534

Re: What Book Are You Currently Reading? Part V

" 10% Happier " by Dan Harris. As an ABC News correspondent specializing in religious and spiritual movements, Harris came across Buddhism and meditation. Initially, he was skeptical about mindfulness and challenged every interviewee. But little by little, he has discovered that meditation...
by VictoriaF
Sun Jul 20, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3098
Views: 991576

Re: Favorite Athlete

Johanna Quaas, the world's Oldest Gymnast at the age of 86.

Image

Image

Victoria
by VictoriaF
Sun Jul 20, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Favorite Athlete
Replies: 22
Views: 810

Re: How much do you spend on your hobby annually?

flyingaway wrote:Travel: $5,000 ~ $10,000, have been physically in every states of the United States, and many other countries.
Fishing: $200, not this year, since lots of imported fish sales for cheap at Krogers this year.
Slots at casinos: $4,000 ~ $8,000.


Can you find cheaper slots?

Victoria
by VictoriaF
Sun Jul 20, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 6883

Re: How much do you spend on your hobby annually?

Year before it was trips to Africa (3 weeks) and Thailand (7 weeks) maybe $12K or so. Hi midareff, I was under the impression that an African safari would put me back $10k-$15k. Your expenses are much more reasonable. Victoria Safari's can range widely in price and offerings. Are you OK in the lodg...
by VictoriaF
Sun Jul 20, 2014 9:26 am
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 6883

Re: How much do you spend on your hobby annually?

midareff wrote: Year before it was trips to Africa (3 weeks) and Thailand (7 weeks) maybe $12K or so.


Hi midareff,

I was under the impression that an African safari would put me back $10k-$15k. Your expenses are much more reasonable.

Victoria
by VictoriaF
Sun Jul 20, 2014 8:30 am
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 6883

Re: Best CC for (new) purchases

The problem with rewards cards, especially with categories, is that it encourages spending on things you might not ordinarily spend so much money on. For instance, Discover gave 5% back on all online purchases in the 4th quarter last year, so I found myself spending more online, which negated any c...
by VictoriaF
Sun Jul 20, 2014 8:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Best CC for (new) purchases
Replies: 43
Views: 3070

Re: Options/guidance for a lazy person to be fit

Everything in moderation, including moderation. In some cases, the barbell approach is preferable to the middle ground. With diet, abstention works better than moderation. Victoria I think I like the essence of penstater2005's idea here though. There are a lot of extremes that one can find "re...
by VictoriaF
Sun Jul 20, 2014 8:04 am
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 72
Views: 4567

Re: RMDs on Vanguard Inherited IRA

There are 2 other siblings, who frankly had no right to be born !!!! Firstborn children have been found to be responsible, assertive, task-oriented, perfectionistic, and supporters of authority. Because they often look after their younger siblings, they get experience leading and mentoring others, ...
by VictoriaF
Sat Jul 19, 2014 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMDs on Vanguard Inherited IRA
Replies: 21
Views: 1069

Re: Best CC for (new) purchases

The Barclays Arrival gives 2 points per $1 spent, and if redeemed for travel you end up getting about 2.2% cash back. $89 annual fee. There is currently a sign u promotion giving 40,000 points when you open a new account (worth $400 towards travel). http://www.barclaycardarrival.com/ I got Barclays...
by VictoriaF
Sat Jul 19, 2014 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best CC for (new) purchases
Replies: 43
Views: 3070

Re: Help with Title/Author of Science Fiction Novel

I thought that you wrote a novel and are crowdsourcing its titling.

Victoria
by VictoriaF
Sat Jul 19, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: Help with Title/Author of Science Fiction Novel
Replies: 28
Views: 1820

Re: Options/guidance for a lazy person to be fit

pennstater2005 wrote:Everything in moderation, including moderation.


In some cases, the barbell approach is preferable to the middle ground. With diet, abstention works better than moderation.

Victoria
by VictoriaF
Sat Jul 19, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 72
Views: 4567

Re: The ultimate Boglehead exercise

Thank you, KlangFool! I did not know that, but now I will look into it.

Victoria
by VictoriaF
Sat Jul 19, 2014 11:44 am
 
Forum: Personal Consumer Issues
Topic: The ultimate Boglehead exercise
Replies: 21
Views: 2534

Re: Options/guidance for a lazy person to be fit

1. It's easier to lose weight through diet than through exercise. 2. Exercise is highly beneficial for ALL aspects of your well-being. But it's less effective for weight loss than a diet. 3. A good approach is to do both exercise and diet--by emphasizing diet in the beginning and over time shifting ...
by VictoriaF
Sat Jul 19, 2014 11:33 am
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 72
Views: 4567

Re: The ultimate Boglehead exercise

I did Tai Chi for a year and liked it a lot. Still, I recommend Yoga as a comprehensive exercise. Like Tai Chi, Yoga enhances breathing, balance and coordination. But Yoga also enhances strength. It's relatively easy to learn Yoga from a book or YouTube; not so with Tai Chi.

Victoria
by VictoriaF
Sat Jul 19, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: The ultimate Boglehead exercise
Replies: 21
Views: 2534

Re: Honda Fit, Civic

Comfort is not a part of my selection criteria, I adapt to the car I have. Have you driven Fit in the mountains? Yes and no. I am from the west cost but I am living on the east coast now. I have driven it in the Appalachians and it did just fine, but some people would not consider those "real&...
by VictoriaF
Sat Jul 19, 2014 11:03 am
 
Forum: Personal Consumer Issues
Topic: Honda Fit, Civic
Replies: 32
Views: 2952

Re: Honda Fit, Civic

2. In retirement I may start taking long road trips and driving in mountains. Fit or Civic or Accord? I expect that in retirement I will also take some long road trips but without commuting the total miles I drive each year will be a lot less so the importance so getting the best gas mileage will b...
by VictoriaF
Sat Jul 19, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: Honda Fit, Civic
Replies: 32
Views: 2952

Re: Honda Fit, Civic, Accord

I am interested in this discussion, because I will soon face the need to replace my 1997 Civic. I like my Civic when it's operational but consider replacing it when it's not. My first choice for the replacement is another Civic. But now I am also wondering if I should get a Fit or Accord. 1. My main...
by VictoriaF
Sat Jul 19, 2014 7:20 am
 
Forum: Personal Consumer Issues
Topic: Honda Fit, Civic
Replies: 32
Views: 2952

Re: It is time to retire when you .......

...when your planned hobbies and other activities would take more than a lifetime, even not counting the time wasted on work. Victoria I don't know if you're joking here, but some hobbies, especially unexpected ones, can require learning almost from the beginning and the learning can't be rushed. I...
by VictoriaF
Fri Jul 18, 2014 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9602

Re: It is time to retire when you .......

How do you all have time for walks? What type of work do you do? Would love the ability to do that! I work in healthcare and every day is beat the clock. Every minute is so over-scheduled that just a run to the bathroom can put me behind schedule and rarely have time for lunch. That said, I enjoy m...
by VictoriaF
Fri Jul 18, 2014 9:05 am
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9602

Re: Leo Tolstoy, a Boglehead

These are very clever. and we can always count on Victoria to find things that the rest of us don't. I wish I had paid attention to his avoiding women and I wouldn't have lost a bunch of $ with two divorces. But one question Victoria about #1 and #2. I do tend to go to bed early and wake up early. ...
by VictoriaF
Thu Jul 17, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Leo Tolstoy, a Boglehead
Replies: 8
Views: 680

Leo Tolstoy, a Boglehead

Gretchen Rubin has posted in her blog a partial list of Tolstoy’s “Rules of Life”: 01. Get up early (five o’clock) 02. Go to bed early (nine to ten o’clock) 03. Eat little and avoid sweets 04. Try to do everything by yourself 05. Have a goal for your whole life, a goal for one section of your life, ...
by VictoriaF
Thu Jul 17, 2014 8:44 pm
 
Forum: Personal Consumer Issues
Topic: Leo Tolstoy, a Boglehead
Replies: 8
Views: 680

Re: It is time to retire when you .......

...when your planned hobbies and other activities would take more than a lifetime, even not counting the time wasted on work.

Victoria
by VictoriaF
Thu Jul 17, 2014 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9602

Re: A question for the Bogleladies or those who can consult

sscritic wrote:I was disappointed that you left me hanging.


I apologize about not responding earlier. At the moment, I am browsing Wacoals recommended by Kersten.

Victoria
by VictoriaF
Wed Jul 16, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 65
Views: 4859

Re: A question for the Bogleladies or those who can consult

Thank you, Kersten, for the insights.

I am disappointed that the purse thread is leading this one in the number of posts by the factor of 2. We need more information here.

Victoria
by VictoriaF
Wed Jul 16, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 65
Views: 4859

Re: A question for the Bogleladies or those who can consult

http://www.marieclaire.co.uk/blogs/545106/8-lingerie-brands-we-should-all-have-in-our-underwear-drawers.html My favorites: Rosie for Autograph and Beautiful Bottoms. My favorites: Rosie for Autograph and Stella McCartney. Victoria A third vote for Rosie. Perhaps a poll is in order. Don If we have a...
by VictoriaF
Wed Jul 16, 2014 7:13 am
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 65
Views: 4859

Re: A question for the Bogleladies or those who can consult

sscritic wrote:http://www.marieclaire.co.uk/blogs/545106/8-lingerie-brands-we-should-all-have-in-our-underwear-drawers.html

My favorites: Rosie for Autograph and Beautiful Bottoms.


My favorites: Rosie for Autograph and Stella McCartney.

Victoria
by VictoriaF
Mon Jul 14, 2014 7:56 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 65
Views: 4859

Re: A question for the Bogleladies or those who can consult

Professor Emeritus wrote:I am interested in getting very very nice underwear for my DW.
...
So how should I go about it?


You should modify your request and ask for Bogleladies to post their pictures in their favorite underwear. (I'll abstain because mine are an open secret.)

Victoria
by VictoriaF
Mon Jul 14, 2014 6:55 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 65
Views: 4859

Re: High end purses

I actually liked shopping for purses with my wives, but, alas, it is an experience never to be repeated. [I could put a sad face here, but I am happily committed to never marrying again.] For a happily single guy you are remarkably knowledgeable in--and proud about your knowledge of--high end purse...
by VictoriaF
Mon Jul 14, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 10265

Re: Knowledge gaps + anxiety = shame; gender and investing

I have intentionally created a man-suggestive name on Amazon.com. Responders treat me differently there--I seem to get default respect and fewer probes of my intelligence--but it's less fun. Victoria I intentionally created a gender neutral name here at Bogleheads....for just the reasons you mentio...
by VictoriaF
Mon Jul 14, 2014 5:36 pm
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 74
Views: 4838

Re: Knowledge gaps + anxiety = shame; gender and investing

VIctoriaF - this one's for you: In ArsTechnica, of all places: Brain scans find signs of financial bubbles The article leads to Irrational exuberance and neural crash warning signals during endogenous experimental market bubbles , click on the Adobe icon to read the paper. My first scan of the pape...
by VictoriaF
Mon Jul 14, 2014 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 74
Views: 4838

Re: Knowledge gaps + anxiety = shame; gender and investing

If someone responds to me and assigns a gender I am always male. I am not male. That happens to me a lot as well. Makes me giggle. :sharebeer It's difficult in English. There's always their there, but that there their's a plural, and therefore unless one can now use them there theirs as singulars t...
by VictoriaF
Mon Jul 14, 2014 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 74
Views: 4838

Re: Knowledge gaps + anxiety = shame; gender and investing

VF - I bought the Coates book. There is an article on Yahoo! Finance today about the bad effect of low volatility (low v?) on trader behavior. Interesting stuff. As a substitute for volatility they create meaningless floor conflict when the market is slow. See below: http://finance.yahoo.com/news/e...
by VictoriaF
Mon Jul 14, 2014 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 74
Views: 4838

Re: tax efficient withdrawals in retirement

I have a similar question about the order of using my taxable and traditional pre-tax funds while making Roth conversions and trying to minimize taxes. I learned that there is no universal recommendation, and each situation should be treated individually. When I asked about this at a Bogleheads meet...
by VictoriaF
Mon Jul 14, 2014 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: tax efficient withdrawals in retirement
Replies: 10
Views: 1647

Re: Is There Need for Plan 'C' (Inverse of Plan B)?

Plans B and C are not symmetric. When the market declines precipitously, there is a limit on how much you can lose--which is close to "everything." Thus plan B of deciding when to cut losses and preserve the basic living standard is essential. When the market soars, there is no limit on ho...
by VictoriaF
Sun Jul 13, 2014 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: Is There Need for Plan 'C' (Inverse of Plan B)?
Replies: 12
Views: 1050

Re: Knowledge gaps + anxiety = shame; gender and investing

For communication aspects, look at the linked http://www.talentinnovation.org/assets/HarnessingThePowerOfThePurse_ExecSumm-CTI-CONFIDENTIAL.pdf From the report: Yet this robust female market is startlingly untapped. Fully 53 percent of the women we surveyed do not have financial advisors. Nearly ha...
by VictoriaF
Sun Jul 13, 2014 7:58 pm
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 74
Views: 4838

Re: Knowledge gaps + anxiety = shame; gender and investing

Since most Bogleheads are not traders and the article linked in the OP is not about trading, I would like to get back to the "communication" aspects of giving advice and requesting advice. Or if you like, how to address anxiety and shame? Any takers? Does anybody use "My bad" an...
by VictoriaF
Sun Jul 13, 2014 7:17 pm
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 74
Views: 4838

Re: Investing is starting to get boring

The exciting part is not investing but deciding how to spend the money accumulated while investing.

Victoria
by VictoriaF
Sun Jul 13, 2014 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing is starting to get boring
Replies: 39
Views: 3840

Re: Have you quit your job because of your boss?

The immediate boss is the person who affects your working life the most. Most bosses are good or okay, but some of them are really awful. The thing is that complaining about the boss is a losing proposition because to the outsiders it's your word against his and with the insiders it's a path to disa...
by VictoriaF
Sun Jul 13, 2014 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7070

Re: Safe withdrawal rate > 4% if no heirs & ok to deplete ca

SDA (safe deflection angle) studies try to tell you how far you can bend a potato chip. They are quite interesting--particularly when they discovered in the 1990s that you can only bend potato chips about half as far as everyone had thought. But they are limited. The strength of individual potato c...
by VictoriaF
Sun Jul 13, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Safe withdrawal rate > 4% if no heirs & ok to deplete captl?
Replies: 32
Views: 3074

Re: Knowledge gaps + anxiety = shame; gender and investing

Victoria - Per your last paragraph, I've read a couple of NYT articles in the past few years about Wall Street's hostile environment for women traders. There was a suggestion that this environment rather than an innate ability or lack thereof made many women either leave soon if on WS, or choose to...
by VictoriaF
Sun Jul 13, 2014 3:37 pm
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 74
Views: 4838
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