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Re: A Good Trip Overseas

If you haven't been to Europe, start with London. It's a beautiful city, the flights are cheaper than to other destinations, and people speak English.

Victoria
by VictoriaF
Sun Nov 23, 2014 11:05 pm
 
Forum: Personal Consumer Issues
Topic: A Good Trip Overseas
Replies: 6
Views: 336

Re: Vanguard launches new offering ... [Vanguard merchandise

This thead contains so much fluff and all-around general puffery that - Yikes - is clear to me - the next merchandise launch will be - The Vanguard Bed Pillow! Deluxe (but Cheap) There is a fine line between tacky and funny. Vanguard may offer underwear with a banner "Life Strategy Growth.&quo...
by VictoriaF
Sun Nov 23, 2014 10:45 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 107
Views: 10123

Re: Life purpose revisited

I went to a Smithsonian lecture Pivotal Paintings in the History of Art . When reviewing Titian's Venus of Ubino , the professor noted that a little dog in the painting is a symbol of fidelity. Later, when discussing Édouard Manet's Olympia , which was inspired by Venus of Ubino , the professor sai...
by VictoriaF
Sun Nov 23, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 7105

Re: Freakonomics approach to 401(k) choices

I recently read Freakonomics by Steven Levitt and Stephen Dubner, and it has changed the outlook I have had on my investments. It's a great book. There are some others. Based on your interest, I specifically recommend Dan Ariely's "Predictably Irrational." The particular part of the book ...
by VictoriaF
Sun Nov 23, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Freakonomics approach to 401(k) choices
Replies: 21
Views: 1596

Re: Life purpose revisited

Burkeman advocates a "negative path" to happiness that involves "learning to enjoy uncertainty, embracing insecurity, stopping trying to think positively, becoming familiar with failure, even learning to value death" (pp. 7-8). Or, one can just get a kitten. I went to a Smithson...
by VictoriaF
Sun Nov 23, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 7105

Re: Vanguard launches new offering ... [Vanguard merchandise

Tacky. Really tacky. Coffee mugs, teeshirts, ballcaps are appropriate for some things. But a respected mutual funds brand? What does WSJ have to say about this? At first I thought this thread was some sort of practical joke, a hoax. Guess not. :shock: Since when was the WSJ the arbiter of all thing...
by VictoriaF
Sun Nov 23, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 107
Views: 10123

Re: Social Security 62 vs 66

If one was never counting on SS and it is not part of their retirement plan. Should they wait or take early payment? This is not enough information. It depends on marital status, expected returns of the portfolio, and life expectancy (of both spouses, if married). A more thorough analysis would als...
by VictoriaF
Sun Nov 23, 2014 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 56
Views: 4159

Re: Social Security 62 vs 66

Separately, one must also ask: if delaying social security is such a good investment (and on paper, it is), where is the catch? Bob K (bobcat2) posted several messages about this issue. A principal difference between Social Security and insurance companies is the lack of agility. When interest rate...
by VictoriaF
Sun Nov 23, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 56
Views: 4159

Re: What percent "Boglehead" are you?

TradingPlaces wrote:
Cosmo wrote:I am 50% Chech, 32.5% Boglehead, 12.5% Irish, 4% German and 1% Stupid.

Cosmo


Are you sure you are 50% Chech, and not Czech?


He's got 80% of letters right; thus he must be 80% Czech.

Victoria
by VictoriaF
Sun Nov 23, 2014 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 88
Views: 3950

Re: Aetna HDHP or GEHA HDHP (federal employee)

Thank you, Darin! By the way, my primary care physician is also at the GWU Medical Faculty Associates. $10 is the least of my concerns. What I don't want to do is to engage in still another research area. Right now, I am trying to learn about frequent travel awards, and it's taking far more of my ti...
by VictoriaF
Sun Nov 23, 2014 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Aetna HDHP or GEHA HDHP (federal employee)
Replies: 43
Views: 2568

Re: Life purpose revisited

The Boglehead approach to simplicity in finance and useful techniques for money management help bring "peace in the home." Not really. Consider threads on what various posters economize on and what they splurge on. Or threads on what people eat, such as fat-free vs. carb-free, or organic ...
by VictoriaF
Sun Nov 23, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 7105

Re: Bumped out of first class at boarding - compensation?

I am not a FF/contract expert but I disagree with this. I find it hard to believe that non-rev passengers have the right to bump anyone with a confirmed ticket from first class. A ticket purchased with miles is still a contract for first class. There is non-rev, meaning airline employees on vacatio...
by VictoriaF
Sun Nov 23, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 31
Views: 1951

Re: Life purpose revisited

Burkeman advocates a "negative path" to happiness that involves "learning to enjoy uncertainty, embracing insecurity, stopping trying to think positively, becoming familiar with failure, even learning to value death" (pp. 7-8). Or, one can just get a kitten. This reminds me of a...
by VictoriaF
Sun Nov 23, 2014 12:48 pm
 
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 7105

Re: Bumped out of first class at boarding - compensation?

I fly only occasionally and never first class, but I wonder why they would take your seats after they already issued the boarding passes? Shouldn't the people who didn't have boarding passes be the ones without seats? Is this because you bought your seats with frequent flyer miles, or some VIP bump...
by VictoriaF
Sun Nov 23, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 31
Views: 1951

Re: Life purpose revisited

The moments of greatest discontent or struggle in my life have typically led to the most rewarding transformations. I have been reading a lot about Buddhism lately and it has just reinforced my experience in this regard. I, too, have found that some of the greatest challenges in my life have produc...
by VictoriaF
Sun Nov 23, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 7105

Re: What percent "Boglehead" are you?

As the inventor of the secret index-finger shake, I am a titled Boglehead.

Victoria
by VictoriaF
Sun Nov 23, 2014 11:02 am
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 88
Views: 3950

Re: Aetna HDHP or GEHA HDHP (federal employee)

My organization actually doesn't buy into the checkbook. I'm wondering if I should just front the $10 yearly cost for access to see what it has to offer. Do it. It's only $10. Even if you decide it's not worth doing ever again, you will learn from it this one time. Hi Darin, I am trying to decide w...
by VictoriaF
Sun Nov 23, 2014 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Aetna HDHP or GEHA HDHP (federal employee)
Replies: 43
Views: 2568

Re: What do you splurge on?

...But my greatest "splurge" is not owning my home and thus not being burdened with its maintenance and repairs. Housing. We are two and a half people (and a puppy) living in a 3200 sq.ft home, most of which belongs to the puppy. On the futility of generalizing the "Bogleheads":...
by VictoriaF
Sun Nov 23, 2014 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you splurge on?
Replies: 114
Views: 5889

Re: Vacation in France

4. You said, "Is there a way to open a single bank account linked to expenditures on different bonus-paying credit cards? I thought that I could do something like that with American Express," Well, I think what you are referring to are pre-paid programs like Amex BlueBird, Amex Serve, and...
by VictoriaF
Fri Nov 21, 2014 10:05 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 95
Views: 4679

Re: Vacation in France

Hi TradingPlaces, You have solved my problem! When I first read the WilliamPaid web site, including the FAQ, it appeared that they could only accommodate ACH. But then I discovered their Support site, and specifically, the response to the question How does my Landlord receive my payment? . It turns ...
by VictoriaF
Fri Nov 21, 2014 7:53 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 95
Views: 4679

Re: How much is saved by taking mass transit to work?

Additional considerations: 1. An 1-hr commute by public transport in a single vehicle is preferable to a 45-minute commute split among different vehicles such as changing trains, switching between trains and buses, etc. 2. If one is not assured to have a seat in public transport, the trip time is wa...
by VictoriaF
Fri Nov 21, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 3394

Re: Vacation in France

Hi Victoria, ok, so if I understand, you would like to manufacture the spend for sign-on bonuses. I think that is a valid reason. For charging your rent to credit card, there are several solutions that I am aware of. Some of them require you to pay credit card processing fees. This technically won'...
by VictoriaF
Fri Nov 21, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 95
Views: 4679

Re: What do you splurge on?

Travel. Organic groceries. Books. Educational and cultural events, entertainment.

But my greatest "splurge" is not owning my home and thus not being burdened with its maintenance and repairs.

Victoria
by VictoriaF
Fri Nov 21, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you splurge on?
Replies: 114
Views: 5889

Re: Vacation in France

TradingPlaces, This is fantastic information. Thank you very much! It will take me some time to process it and I will return with additional questions. But here is the main issue that I am trying to resolve. My main interest, for now, is to get miles for 3-4 annual trips to Europe in the Economy cla...
by VictoriaF
Fri Nov 21, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 95
Views: 4679

Re: Europe off-season (late Jan), 11 days, $3K budget

You can go to Moscow. Ruble is down and Aeroflot is cheap. Victoria Temperatures could be down also in late January... Dear Gawd. Moscow and St. Petersburg in January. My partner found Moscow to be cold, dark and depressing and that was on a fairly ordinary January not a bad one. If we have a bad w...
by VictoriaF
Fri Nov 21, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: Europe off-season (late Jan), 11 days, $3K budget
Replies: 19
Views: 1440

Re: Side jobs or hobbies that make you money

Oldest profession. Victoria A bit dangerous as an occupation, not to mention illegal, and the pay is not very good for men ;) Lesson learned for men: Don't charge by the minute. Actually, I had a side job a few weeks ago paid by the hour... No, not what you're thinking (I wish!)... Expert witness, ...
by VictoriaF
Fri Nov 21, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 125
Views: 16996

Re: Roll Call for the Retirement Class of 2014!

+1. October 21. Do not miss clinical dentistry so much but really miss my patients and the relationships I have developed over 35 years. I also miss my assistant of 18 years and my hygienist of 7 years. But I am really enjoying myself while trying to find the rhythm of the beat. Congratulations, sm...
by VictoriaF
Fri Nov 21, 2014 2:34 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 240
Views: 23117

Re: Why finance research is often wrong - the jelly bean pro

I certainly wasn't admonishing Victoria, just suggesting that you can become so skeptical (perhaps because you have what I would call a "religious" belief in some theory or concept) that you don't believe anything that doesn't agree with your current view. I believe that there are many wh...
by VictoriaF
Fri Nov 21, 2014 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 58
Views: 5083

Re: How much is saved by taking mass transit to work?

I entirely agree. Suburbs are also not car friendly. In that, in a Toronto or London suburb, it can take you an hour to go 10 miles. Cars are great until everyone else has one. A couple years ago, I did an experiment. I wanted to use public transportation to get from the Washington Dulles airport (...
by VictoriaF
Fri Nov 21, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 3394

Re: Roll Call for the Retirement Class of 2014!

After working since freshman year in College it is time to retire (or as I like to phrase it turn to the next chapter of my life, if not a new book". The DW (66) and I (63) retire at 5:00 pm on December 31, 2014. We are both self employed (separate companies) and we are telling our clients tod...
by VictoriaF
Fri Nov 21, 2014 9:22 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 240
Views: 23117

Re: Vacation in France

I don't think I would pay $149 and (more importantly) spend a whole weekend of my life at a conference like this A weekend with frequent travelers beats a dinner with insurance agents. A weekend in the dentist's chair probably beats a dinner with insurance agents. My reference to insurance agents w...
by VictoriaF
Fri Nov 21, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 95
Views: 4679

Re: Roll Call for the Retirement Class of 2014!

Class of 2014 as of 21 November 2014: xx xxx - ww340 (61) xx Jan - Gary Guss (62) 01 Jan - pryan (64) 01 Jan - Lilly 01 Jan - rrppve (53) 01 Jan - hudson 01 Jan - Professor Emeritus 01 Jan - nbseer (62) 01 Jan - Statch (55) 10 Jan - tacster (57) 11 Jan - Kaufmanrider (49) 11 Jan - Norris (63) 14 Ja...
by VictoriaF
Fri Nov 21, 2014 8:36 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 240
Views: 23117

Re: Vacation in France

What other sites do you use? Like wise investing, house cleaning, or most other human pursuits, the basics are really very simple, and certainly good enough for the vast majority of people. You can spend countless hours tweaking the last 5% or so if you are compulsive enough. Here is a link to the ...
by VictoriaF
Fri Nov 21, 2014 8:20 am
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 95
Views: 4679

Re: Europe off-season (late Jan), 11 days, $3K budget

You can go to Moscow. Ruble is down and Aeroflot is cheap.

Victoria
by VictoriaF
Thu Nov 20, 2014 11:22 am
 
Forum: Personal Consumer Issues
Topic: Europe off-season (late Jan), 11 days, $3K budget
Replies: 19
Views: 1440

Re: Vacation in France

I am trying to learn how these travel strategies work. When I went to the FlyerTalk site, I found too much information with the useful bits widely dispersed. On an advice from another Boglehead, I signed for Frequent Traveler University in early December. Do you have other suggestions for how to le...
by VictoriaF
Thu Nov 20, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 95
Views: 4679

Re: What is the $$ value of delaying retirement a month?

If an extra month of work shortens your life expectancy due to lack of sleep, commute, sitting, and stress--you will get some savings there, too. On the other hand, stress, lack of sleep, etc., may create or exacerbate chronic diseases that would increase costs in retirement. Victoria I would assum...
by VictoriaF
Thu Nov 20, 2014 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: What is the $$ value of delaying retirement a month?
Replies: 24
Views: 1449

Re: Side jobs or hobbies that make you money

Yesterday, I went to a Smithsonian lecture by the FBI on how they captured a Russian spy ring. The FBI speaker said that espionage is the second oldest profession.

Victoria
by VictoriaF
Thu Nov 20, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 125
Views: 16996

Re: What is the $$ value of delaying retirement a month?

If an extra month of work shortens your life expectancy due to lack of sleep, commute, sitting, and stress--you will get some savings there, too. On the other hand, stress, lack of sleep, etc., may create or exacerbate chronic diseases that would increase costs in retirement. Victoria I would assum...
by VictoriaF
Thu Nov 20, 2014 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: What is the $$ value of delaying retirement a month?
Replies: 24
Views: 1449

Re: Vacation in France

While bogleheads is a good forum for investing, especially for retirement, it is not the only game in town. In the last several years, there have been a ton of travel forums which teach strategies on how to travel for less money. They center around a few ideas: - opening a small number of strategic...
by VictoriaF
Thu Nov 20, 2014 10:15 am
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 95
Views: 4679

Re: How much is saved by taking mass transit to work?

I entirely agree. Suburbs are also not car friendly. In that, in a Toronto or London suburb, it can take you an hour to go 10 miles. Cars are great until everyone else has one. A couple years ago, I did an experiment. I wanted to use public transportation to get from the Washington Dulles airport (...
by VictoriaF
Thu Nov 20, 2014 9:48 am
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 3394

Re: What is the $$ value of delaying retirement a month?

If an extra month of work shortens your life due to the lack of sleep, commute, sitting, and stress--you will get some savings there, too. On the other hand, stress, lack of sleep, etc., may create or exacerbate chronic diseases that would increase costs in retirement.

Victoria
by VictoriaF
Thu Nov 20, 2014 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: What is the $$ value of delaying retirement a month?
Replies: 24
Views: 1449

Re: What were your biggest financial emergencies?

A nice gentleman from Nigeria wrote to me asking to help him out. He was a prince or some kind of titled gentry.

Victoria
by VictoriaF
Wed Nov 19, 2014 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: What were your biggest financial emergencies?
Replies: 39
Views: 3766

Re: Jane Austen's Economics

Google may forget, but the Internet Archive sometimes does not: a little playing around with the Internet Archives' Wayback Machine provides Mr. Barnitz's "Economic Analysis of Jane Austen" (posted 10.26.2005): https://web.archive.org/web/20061104094111/http://literatureandmusic.blogspot....
by VictoriaF
Wed Nov 19, 2014 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jane Austen's Economics
Replies: 57
Views: 15775

Re: Jane Austen's Economics

In his book Capita l, Piketty relies on Jane Austen's novels for illustrations of a society whose economic and political decisions are made primarily by people who live off rents (as he defines the term) and never have to have real jobs. It's a good observation. What struck me when reading Jane Aus...
by VictoriaF
Wed Nov 19, 2014 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jane Austen's Economics
Replies: 57
Views: 15775

Re: Is investing more risky today today than before the inte

Internet makes investing more risky: 1. Behavioral factors 1.1 Investors have around-the-clock access to market news and these news invade their psyche. 1.2 Investors have immediate access to trading. 1.3 Spreadsheets and other software create the sense of precision where precision does not exist. ...
by VictoriaF
Wed Nov 19, 2014 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: Is investing more risky today today than before the internet
Replies: 30
Views: 2752

Re: Why finance research is often wrong - the jelly bean pro

Richard Now let's assume the data is found with a tstat of 2 for US stocks. Then you do the data for emerging market stocks and find the same thing. And then for developed markets and then for currencies and then for interest rates/bonds and then for commodities and all the data shows statistical s...
by VictoriaF
Wed Nov 19, 2014 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 58
Views: 5083

Re: Side jobs or hobbies that make you money

anonforthis wrote:Selling old panties on Craigslist.


You have to be famous to make money on that. Or to have been with someone famous.

Victoria
by VictoriaF
Wed Nov 19, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 125
Views: 16996

Re: Side jobs or hobbies that make you money

Saving money is better than making money, because saved money are not taxed. I was aware of the credit card awards games but did not have time to find out how to play them. Now, I am trying to learn how it works.

Victoria
by VictoriaF
Wed Nov 19, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 125
Views: 16996

Re: Pension buyout offer - Accept or reject

#Cruncher, Thanks for the great analysis. It is actually a more difficult decision than I thought now that I see this data. For years now I have rarely thought about the pension and when I did, assumed that it might be enough to pay the utility bills but not much more by the time I was able to star...
by VictoriaF
Wed Nov 19, 2014 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout offer - Accept or reject
Replies: 44
Views: 3656

Re: Banking Culture Breeds Dishonesty?

chaz wrote:Nice links.


The article is interesting but flawed.
The Reuters article wrote:For each toss they knew whether heads or tails would yield a $20 reward.


I am certain that Swiss bankers were betting in Swiss Franks, not in dollars. I know that the exchange rate is close to 1, but accuracy gives credibility.

Victoria
by VictoriaF
Wed Nov 19, 2014 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: Banking Culture Breeds Dishonesty?
Replies: 7
Views: 782
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