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Re: Bogleheads in Consumer Reports Magazine

Hopefully, we will see more women posters.

Victoria
by VictoriaF
Sat Aug 30, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads in Consumer Reports Magazine
Replies: 2
Views: 110

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

Depending on what you are buying, Costco can be worthy even for a single person. When I moved close to Costco and became a member, it became my primary source of groceries such as organic green salads, organic chicken, organic eggs, organic olive oil, and Pellegrino mineral water. I miss the variet...
by VictoriaF
Sat Aug 30, 2014 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 45
Views: 1172

Re: What Book Are You Currently Reading? Part V

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


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

Victoria
by VictoriaF
Sat Aug 30, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3261
Views: 1109885

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

Depending on what you are buying, Costco can be worthy even for a single person. When I moved close to Costco and became a member, it became my primary source of groceries such as organic green salads, organic chicken, organic eggs, organic olive oil, and Pellegrino mineral water. I miss the variety...
by VictoriaF
Sat Aug 30, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 45
Views: 1172

Re: What Book Are You Currently Reading? Part V

Finished Pride and Prejudice , by Jane Austen, mostly because having started it I wanted to at least finish it... this time. I "get" why some people love her stuff, but I can't honestly say I did. I'm not in a big hurry to read another. Yes, I liked it when Elizabeth lets Lady Catherine h...
by VictoriaF
Sat Aug 30, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3261
Views: 1109885

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

I'll just add that it appears that the OP's husband has been spending joint (marital) income over the last decade to pay down mortgages on properties with his name only on the deed, thus making the OP essentially partial owner of those properties. So I don't see how the husband can include jointly ...
by VictoriaF
Sat Aug 30, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 227
Views: 12486

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

To the OP, In spite of your assurances, it does sound like he has read this thread or at least a friend of his has pointed him to it. How can you be so sure that he did not read it ? And I would recommend that he do read it. All my best, I recommended that the husband should read and comment on thi...
by VictoriaF
Sat Aug 30, 2014 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 227
Views: 12486

Re: Where can I get a job like this?

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


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

Victoria
by VictoriaF
Fri Aug 29, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where can I get a [toddler-friendly weekend] job?
Replies: 15
Views: 1399

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

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


You have no grounds for this statement.

Victoria
by VictoriaF
Fri Aug 29, 2014 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 227
Views: 12486

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

If the OP does not know how to start a discussion with her husband, she could just point to this thread and ask him to respond publicly to all key points. If he is honest and knows what he is doing, he should have no problem providing most of the responses without revealing private information. Vict...
by VictoriaF
Fri Aug 29, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 227
Views: 12486

Re: Another Milestone

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


This is a significant milestone. Congratulations, Barefootgirl!

Victoria
by VictoriaF
Fri Aug 29, 2014 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Another Milestone
Replies: 9
Views: 1228

Re: Gas station etiquette

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


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

Victoria
by VictoriaF
Thu Aug 28, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: Gas station etiquette
Replies: 46
Views: 2768

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

OP, I sympathize greatly with your situation (to an extent) and I have read the many responses above, many of which are excellent. I have 2 questions for you and only you can answer them. I ask these not out of callousness but rather because they are the ones that are obvious to me as a man who has...
by VictoriaF
Thu Aug 28, 2014 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 227
Views: 12486

Re: Gas station etiquette

If you drive a gasser, and if other pump options are open, please don't use the only pump at the station with diesel too. You can tell by the green handles and sometimes green hoses. Yellow handles/hoses indicate biodiesel/mix. I don't think I would have ever known this if I didn't drive a diesel. ...
by VictoriaF
Thu Aug 28, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Gas station etiquette
Replies: 46
Views: 2768

Re: Gas station etiquette

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


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

Victoria
by VictoriaF
Thu Aug 28, 2014 8:52 pm
 
Forum: Personal Consumer Issues
Topic: Gas station etiquette
Replies: 46
Views: 2768

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

So I can either start to save by getting a job or ask him somehow to increase the amount. People can change their wills at any time. Your husband may increase the amount he leaves for you in his will one day and change it to something else another day, without showing the latest will to you. If the...
by VictoriaF
Thu Aug 28, 2014 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 227
Views: 12486

Re: Gas station etiquette

Thought 2: If I read you right, you were driving toward the empty spot ahead of A as A is getting into his car. Does that mean you could've stopped to let A pull out and away before you moved into the spot ahead of him? If so, that seems the most logical and polite thing to do, both for A and for B...
by VictoriaF
Thu Aug 28, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Gas station etiquette
Replies: 46
Views: 2768

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

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


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

Victoria
by VictoriaF
Thu Aug 28, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 227
Views: 12486

Re: Chicken or Fish

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

Victoria
by VictoriaF
Thu Aug 28, 2014 5:08 pm
 
Forum: Personal Consumer Issues
Topic: Chicken or Fish
Replies: 10
Views: 714

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

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


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

Victoria
by VictoriaF
Thu Aug 28, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 227
Views: 12486

Re: Gas station etiquette

Based on the picture, strafe was in the right. But let's make it more interesting. Let's assume that car-B was positioned slightly to the left (but not exactly at the left) of the pumps, and the driver was busy texting. What would be the etiquette?

Victoria
by VictoriaF
Thu Aug 28, 2014 3:34 pm
 
Forum: Personal Consumer Issues
Topic: Gas station etiquette
Replies: 46
Views: 2768

Re: 1 Year Bogleheadiversary - Before and After Picture

Great story to hear! May I copy your story into an email to send to another MD who is two years behind you? I know they are being pummeled by financial advisors, I've recommended White Coat Investor to them, and your story would be of interest to them. Sure, that's fine with me. I'm glad you think ...
by VictoriaF
Thu Aug 28, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1 Year Bogleheadiversary - Before and After Picture
Replies: 70
Views: 9233

Re: If you had an extra $100,000

Came across this article I thought fellow Bogleheads may appreciate. I think we could all get behind #13. As for #1-12, what are your thoughts? #13 cites Allan Roth, a Boglehead author and a panelist at Bogleheads annual conferences. I would not be surprised if Allan intentionally chose to be the l...
by VictoriaF
Thu Aug 28, 2014 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 44
Views: 3403

Re: S&P500 over 2000

baw703916 wrote:If I win the Bogleheads contest, there will be a lot of new posts in the "stocks in free fall" thread during the remainder of the year.


The stocks are in free fall now that S&P500 gave up all its gains and is back to the 1k category!

Victoria
by VictoriaF
Thu Aug 28, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5205

Re: The Worst Investment You Can Make: Buying a Home

A more relevant comparison is of the homes one would buy or rent, and considering that these are not the same types of homes, the results are more likely to favor rent. That is like valuing containers of yogurt without paying attention to the fact that one is 6oz and the other 5.3oz. Maybe you don'...
by VictoriaF
Thu Aug 28, 2014 10:18 am
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 15732

Re: The Worst Investment You Can Make: Buying a Home

People seem to buy more house than then are willing to rent, so that makes part of the argument difficult to analyze That's a great point; I frequently make it too {smile}. A home buyer must keep in mind the resale value of the home and thus buy in an established area with an architecture generally...
by VictoriaF
Thu Aug 28, 2014 8:42 am
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 15732

Re: Copyright question

I'd like to clarify that I have already sent the slides to multiple people "as is," i.e., without any copyright marking. The guy who asked me for my slides in order to present them to his local group seems decent. I don't think he is going to claim the presentation as his. He is the only p...
by VictoriaF
Wed Aug 27, 2014 7:45 pm
 
Forum: Personal Consumer Issues
Topic: Copyright question
Replies: 27
Views: 1460

Re: Telling my friends I paid off my house was a mistake.

ubermax wrote:
VictoriaF wrote:Are you jealous of my milestone or of sscritic's milestone?

Victoria


Neither I applaud both !!!


Please add chaz to your applause. He's one of us.

Victoria
by VictoriaF
Wed Aug 27, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Telling my friends I paid off my house was a mistake.
Replies: 73
Views: 10076

Re: Telling my friends I paid off my house was a mistake.

One of the most important things I've learned is: " Don't expect people to be happy for your success." Interestingly, strangers are likely to be happy for one's success. Witness the congratulations people receive in the Bogleheads Forum after they achieve major milestones. Victoria P.S. I...
by VictoriaF
Wed Aug 27, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Telling my friends I paid off my house was a mistake.
Replies: 73
Views: 10076

Re: Telling my friends I paid off my house was a mistake.

One of the most important things I've learned is: " Don't expect people to be happy for your success." Interestingly, strangers are likely to be happy for one's success. Witness the congratulations people receive in the Bogleheads Forum after they achieve major milestones. Victoria P.S. I...
by VictoriaF
Wed Aug 27, 2014 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Telling my friends I paid off my house was a mistake.
Replies: 73
Views: 10076

Re: Savers vs. Spenders: Default Mode

There are two types of people: those who wait in the Stanford marshmallow experiment and those who don't.

Victoria
by VictoriaF
Wed Aug 27, 2014 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers vs. Spenders: Default Mode
Replies: 34
Views: 2171

Re: Copyright question

I realize that there is no good way to prevent people from using your intellectual property, especially the PPT sets. It has not bothered me before, because it was not related to my income and I actually wanted free publicity. With BED, my main goal is to claim the ownership of the concept . I want ...
by VictoriaF
Wed Aug 27, 2014 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Copyright question
Replies: 27
Views: 1460

Re: Copyright question

The difference this time is that I have invented a topic and gave it a catchy name ("BED"). I don't as much mind people using my slides as usurpating my BED. Victoria I'm tempted to make a joke about strange BEDfellows. I'm glad you gave in to the temptation. I have been making puns such ...
by VictoriaF
Wed Aug 27, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: Copyright question
Replies: 27
Views: 1460

Re: Any experience with LifeSpan TR800 DT5 Treadmill Desk?

I generally read my Kindle while walking on the treadmill at the gym, I'm not sure how my typing on a keyboard would work, but most of my computer time is reading anyway. Thanks for posting this, I am seriously considering this for myself. Ralph I spend about half of my computer time reading and ha...
by VictoriaF
Wed Aug 27, 2014 7:23 am
 
Forum: Personal Consumer Issues
Topic: Any experience with LifeSpan TR800 DT5 Treadmill Desk?
Replies: 10
Views: 827

Re: Any experience with LifeSpan TR800 DT5 Treadmill Desk?

bb wrote:I am waiting for them to come out and say gravity is the real problem - must hang upside down to counteract the affects.


Something like a yoga headstand desk? I'd like that!

Victoria
by VictoriaF
Tue Aug 26, 2014 11:13 pm
 
Forum: Personal Consumer Issues
Topic: Any experience with LifeSpan TR800 DT5 Treadmill Desk?
Replies: 10
Views: 827

Re: Zegna Suits

I don't know how my 1st post wasn't clear, maybe it's because my English is not my 1st language. It's not the language issue, it's experience. The longer you read Bogleheads messages the better idea will you get how people may react and respond. I love how passionate a simple Zegna Suits thread can...
by VictoriaF
Tue Aug 26, 2014 11:10 pm
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 8686

Re: Any experience with LifeSpan TR800 DT5 Treadmill Desk?

I am not interested in a treadmill desk, but I am thinking of buying an adjustable sitting/standing desk. Specifically, I am considering Mayline Soho Mobile Sit/Stand Workstation.

Victoria
by VictoriaF
Tue Aug 26, 2014 10:15 pm
 
Forum: Personal Consumer Issues
Topic: Any experience with LifeSpan TR800 DT5 Treadmill Desk?
Replies: 10
Views: 827

Re: Savers vs. Spenders: Default Mode

I don't think spending is a default intention for spenders. Most people--savers and spenders--are trying to save money and looking for bargains. The default mode is more likely related to habits. If one spends all her free time shopping, she ends up in the spender category even if all her purchases ...
by VictoriaF
Tue Aug 26, 2014 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers vs. Spenders: Default Mode
Replies: 34
Views: 2171

Re: Zegna Suits

Arthur, You are correct that the sole focus on money accumulation is unhealthy and occasionally pathological. However, deriving pleasure from one's assets is not limited to clothes. For some it's a house, for some it's a business, for some it's women, for some it's travel, for some it's early retire...
by VictoriaF
Tue Aug 26, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 8686

Re: Copyright question

I have shared my instructional powerpoints and videos with many people. What happens is that they get asked to share and eventually I go to a conference and see slides I made without any attribution to me. That's life. That has been my experience, too, and I treated it as "life." The diff...
by VictoriaF
Tue Aug 26, 2014 9:14 pm
 
Forum: Personal Consumer Issues
Topic: Copyright question
Replies: 27
Views: 1460

Re: Copyright question

I have just sent my slides to the guy in the original PPT format and without the copyright symbol. My main reason for doing so was that I did not want to punish him for being honest. Next time I revise these slides, I will incorporate the copyright information. It will also address the issue of peop...
by VictoriaF
Tue Aug 26, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: Copyright question
Replies: 27
Views: 1460

Re: Catastrophe Brewing - Longevity

I feel vindicated for doing my financial forecasting to the age of 115.

Victoria
by VictoriaF
Tue Aug 26, 2014 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: Catastrophe Brewing - Longevity
Replies: 12
Views: 2474

Re: S&P500 over 2000

If the S&P drops 10% now, it will be a much bigger drop that if it had happened in 2009! On the other hand, S&P2K is a better problem to have than Y2K. Cheers, Victoria I know some marginally capable programmers who made more money "remediating" for Y2K than you can imagine. Exten...
by VictoriaF
Tue Aug 26, 2014 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5205

Re: S&P500 over 2000

baw703916 wrote:If the S&P drops 10% now, it will be a much bigger drop that if it had happened in 2009!


On the other hand, S&P2K is a better problem to have than Y2K. Cheers,

Victoria
by VictoriaF
Tue Aug 26, 2014 4:04 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5205

Re: The Worst Investment You Can Make: Buying a Home

Hi Lynette,

Your sense of humor is fine even if what you wrote is the remnants of its pre-house glory {laughing}. I have to ask. What was worse a large man or a small dog? And why did you decide to buy a house rather than rent in another place with a small man and a large dog?

Victoria
by VictoriaF
Tue Aug 26, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 15732

Re: The Worst Investment You Can Make: Buying a Home

Victoria, I can speak to both of your points above. In terms of #1, obviously without knowing your friend or her circumstances, I'd place a fairly heavy bet that her thought process was not quite as orderly as what you describe. I was a renter in NYC at the time, so I get it. There were people that...
by VictoriaF
Tue Aug 26, 2014 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 15732

Re: The Worst Investment You Can Make: Buying a Home

I also agree that many could not cover their mortgage and thus were forced to sell, and that was my point regarding buying things one cannot afford (including homes). My point was not that one should not buy a home one can't afford. This is an important principle, but it's not applicable to the cas...
by VictoriaF
Tue Aug 26, 2014 2:45 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 15732

Re: Quote from a mover: Please comment

I work for a large company that promotes safety in every aspect and their research on backbraces to prevent injuries say it is a fallacy. Proper lifting techniques is much preferred. Riverstwo, Thank you for your comment. I have seen two different perspectives on proper lifting. The mainstream advo...
by VictoriaF
Tue Aug 26, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: Quote from a mover: Please comment
Replies: 46
Views: 3685

Re: The Worst Investment You Can Make: Buying a Home

This statement is where I disagree with you. At the time of a disaster you just don't know. The knowledge you gain in 13 years after the disaster is not relevant at the point when you live the disaster. In the fall of 2001, Lower Manhattan was devastated physically, financially, and emotionally. Th...
by VictoriaF
Tue Aug 26, 2014 11:18 am
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 15732

Re: Taxes on Roth conversion at retirement

Many states do not tax Social Security and pension income but most tax Roth conversions. Many states exempt Roth conversions from taxation, although many of the many apply age and dollar limits to the exemption. In a quick review, I counted 26 states that have no income tax or that have an income t...
by VictoriaF
Tue Aug 26, 2014 11:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxes on Roth conversion at retirement
Replies: 15
Views: 682
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