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Re: I Bonds - now or later in the year?

Then, unexpectedly, the rate shoot up to the whooping 0.2%. I still can't forgive myself for the lack of patience. That's a steep price to pay for losing out on about $20 of interest per year :D When I lose tens of thousands of dollars in a market decline, that's OK. That's what risk and uncertaint...
by VictoriaF
Sun Mar 29, 2015 8:17 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds - now or later in the year?
Replies: 31
Views: 2490

Re: I Bonds - now or later in the year?

A couple years ago, I purchases I Bonds in January to be done and over with it. Then, unexpectedly, the rate shoot up to the whooping 0.2%. I still can't forgive myself for the lack of patience. Since then, I resolved to wait until 1 November, if the fixed rate earlier in the year is 0.0%. Victoria
by VictoriaF
Sun Mar 29, 2015 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds - now or later in the year?
Replies: 31
Views: 2490

Re: Improving English Language Proficiency- Please suggest B

I'm assuming that these younger people just learned to avoid using supposedly sexist speech at any cost. So, get used to girls and "their smile", because these kids would be thoroughly beaten over the head if they wrote "the new doctor must have his license" on accident. You are...
by VictoriaF
Sun Mar 29, 2015 2:42 pm
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 46
Views: 2755

Re: Reorganizing credit cards and accounts

Well here is a fairly common example: the Citi AAvantage Platinum Visa-- when signing up the first year you get 50,000 AA miles for $3,000 worth of spend; the earning on this card isn't particularly impressive, but just by virtue of having the card you get a free checked bag on all flights and 10% ...
by VictoriaF
Sun Mar 29, 2015 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reorganizing credit cards and accounts
Replies: 24
Views: 1817

Re: Improving English Language Proficiency- Please suggest B

As we are on the topic of the English language, I am curious what's behind using they/them/their when the gender of a person is known from the context. I frequently see statements such as, for example, "I've met this girl and I liked their smile." This phrasing is common among recent grad...
by VictoriaF
Fri Mar 27, 2015 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 46
Views: 2755

Re: Improving English Language Proficiency- Please suggest B

As we are on the topic of the English language, I am curious what's behind using they/them/their when the gender of a person is known from the context. I frequently see statements such as, for example, "I've met this girl and I liked their smile." This phrasing is common among recent gradu...
by VictoriaF
Fri Mar 27, 2015 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 46
Views: 2755

Re: TSP G Fund Possible Changes

A similar post was just locked: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=162105&newpost=2434085 I have not seen the other thread, but this one is very useful for me. I have to decide what to do with my TSP funds. The TSP allows only two withdrawal related actions, and I have to ...
by VictoriaF
Fri Mar 27, 2015 11:32 am
 
Forum: Investing - Theory, News & General
Topic: [TSP G Fund Possible Changes]
Replies: 21
Views: 1036

Re: Sued and won for drycleaner losing suit, suit now found.

huntertheory wrote:Sounds like you certainly "won your suit"!

(Sorry.)


This is a suit-able remark.

Victoria
by VictoriaF
Fri Mar 27, 2015 10:17 am
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 54
Views: 5613

Re: TSP G Fund Possible Changes

A similar post was just locked: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=162105&newpost=2434085 I have not seen the other thread, but this one is very useful for me. I have to decide what to do with my TSP funds. The TSP allows only two withdrawal related actions, and I have to ...
by VictoriaF
Fri Mar 27, 2015 10:15 am
 
Forum: Investing - Theory, News & General
Topic: [TSP G Fund Possible Changes]
Replies: 21
Views: 1036

Re: TSP G Fund Possible Changes

These would be very unfortunate changes. If they take place, I will transfer money from the TSP to Vanguard and start Roth conversions there. Right now, G Fund is the main reason for my keeping funds in the TSP.

Victoria
by VictoriaF
Fri Mar 27, 2015 10:09 am
 
Forum: Investing - Theory, News & General
Topic: [TSP G Fund Possible Changes]
Replies: 21
Views: 1036

Re: Sued and won for drycleaner losing suit, suit now found.

If you decide to proceed with the court, as the others recommend, do not even go to the dry cleaner to identify the suit.

Victoria

P.S. It's an interesting topic: "A suit about a suit."
by VictoriaF
Fri Mar 27, 2015 9:58 am
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 54
Views: 5613

Re: Mom seeking financial help - what to do?

I still say give $223.46, drop a comment, and get the heck outta there! Is $223.46 a random amount, or you calculated it based on the information from this thread? {curious} Victoria Well I was going to try handwriting analysis but then I remembered we are online...so. Online writing beats handwrit...
by VictoriaF
Fri Mar 27, 2015 8:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Mom seeking financial help - what to do?
Replies: 62
Views: 4425

Re: Mom seeking financial help - what to do?

IPer wrote:I still say give $223.46, drop a comment, and get the heck outta there!


Is $223.46 a random amount, or you calculated it based on the information from this thread? {curious}

Victoria
by VictoriaF
Fri Mar 27, 2015 8:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Mom seeking financial help - what to do?
Replies: 62
Views: 4425

Re: EE/I Bond Rate Predictions for May 1 2015?

My predictions for I Bonds fixed rates:
0.0% - 1 May 2015
0.1% - 1 Nov 2015

Victoria
by VictoriaF
Thu Mar 26, 2015 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE/I Bond Rate Predictions for May 1 2015?
Replies: 6
Views: 696

Re: Mom seeking financial help - what to do?

Was it the first time the mother filed her son as a dependent? Who advised her to do so and what were their reasons? If the situation was ambiguous, and the mother had a choice whether to file her son as a dependent or not, then she was trying to get back some money she's spent on him. In that case,...
by VictoriaF
Thu Mar 26, 2015 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mom seeking financial help - what to do?
Replies: 62
Views: 4425

Re: Improving English Language Proficiency- Please suggest B

Style books are political documents. Choose wisely, you could find yourself taking sides in a war you didn't know existed -- A literal language war, with armed forces crossing boarders. I am confused. English is not my native language and I have always been striving to improve it. For me, there is ...
by VictoriaF
Thu Mar 26, 2015 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 46
Views: 2755

Re: Google voice

Phone geek here. If you use google service, I can't see any downside but only upside. Here's how I benefited since 2005 Number of google voice number change: 1 Number of phone number change: more than 10 It saved me $10k+ since 2005. My current monthly phone bill for 5 phones (3 are cellular) is <$...
by VictoriaF
Thu Mar 26, 2015 10:19 am
 
Forum: Personal Consumer Issues
Topic: Google voice
Replies: 57
Views: 4352

Re: Getting over the psychology of the simplicity

This is almost what I do. I have my funds split among three custodians and separate funds for taxable and tax deferred accounts. Thus, the total number of funds is greater than three. All my funds are broad-based low-cost index funds.

Victoria
by VictoriaF
Wed Mar 25, 2015 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting over the psychology of the simplicity
Replies: 8
Views: 1078

Re: Exploring the Florida Keys

I drove through there twice. I don't want to go back. I drove through it too. I have the same sentiments. Never again. Thirty years ago I lived in Key West for 2 years while in the USN. Went back for the first time last month. A lot more T-shirt shops and too many "day tourists" from the ...
by VictoriaF
Wed Mar 25, 2015 7:11 pm
 
Forum: Personal Consumer Issues
Topic: Exploring the Florida Keys
Replies: 22
Views: 1995

Re: Should I accept this Job Offer ?

Check if you will actually be able to take vacations. Sometimes, companies have a generous vacation policy, but the workload is such that you can never find time to take them. The smaller the company, the more difficult it is to get away.

Victoria
by VictoriaF
Wed Mar 25, 2015 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I accept this Job Offer ?
Replies: 22
Views: 1889

Re: I've Got to be Doing "Something". And You?

If you have to do something do something useful, e.g., learn computer languages or statistics.

Victoria
by VictoriaF
Wed Mar 25, 2015 6:56 pm
 
Forum: Investing - Theory, News & General
Topic: I've Got to be Doing "Something". And You?
Replies: 22
Views: 3065

Re: Mom seeking financial help - what to do?

The OP's mother does not own her home and works for a company. How did she end up with a $1,000 tax shortfall?

Victoria
by VictoriaF
Wed Mar 25, 2015 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mom seeking financial help - what to do?
Replies: 62
Views: 4425

Re: Travel Insurance

Most insurance companies are for-profit firms, more precisely for-large-profit firms. I self-insure.

Victoria
by VictoriaF
Wed Mar 25, 2015 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance
Replies: 20
Views: 1179

Re: Splitting a Food Tab on a Combined Birthday Lunch

If four people eat lunch together four times a year and their bills are $21.00 each then they are paying $84.00 each per year. If one person gets their lunch "free" one time per year, the other three make up the difference, so three people are paying $28.00 each which is still $84.00 per ...
by VictoriaF
Wed Mar 25, 2015 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Splitting a Food Tab on a Combined Birthday Lunch
Replies: 54
Views: 3724

Re: Splitting a Food Tab on a Combined Birthday Lunch

If four people eat lunch together four times a year and their bills are $21.00 each then they are paying $84.00 each per year. If one person gets their lunch "free" one time per year, the other three make up the difference, so three people are paying $28.00 each which is still $84.00 per ...
by VictoriaF
Wed Mar 25, 2015 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Splitting a Food Tab on a Combined Birthday Lunch
Replies: 54
Views: 3724

Re: TradingPlaces' advice on travel awards

Let me look on my end. What dates? I saw it for 19-23 August. Victoria Yeah I see it on my end, odd. United is known for their phantom availability, but I see it on Aeroplan as well. It could just be the csr. For fun, you may just want to call again and see if someone else can find it. :twisted: Th...
by VictoriaF
Tue Mar 24, 2015 8:11 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 193
Views: 16826

Re: TradingPlaces' advice on travel awards

2stepsbehind wrote:Let me look on my end. What dates?


I saw it for 19-23 August.

Victoria
by VictoriaF
Tue Mar 24, 2015 7:56 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 193
Views: 16826

Re: Google voice

In addition, Sprint customers can integrate their mobile number with Google Voice. Among other nifty features, this permits forwarding mobile calls to landlines (including VoIP). For example, my mobile calls are configured to ring on my office phone during business hours and my home line the rest o...
by VictoriaF
Tue Mar 24, 2015 7:47 am
 
Forum: Personal Consumer Issues
Topic: Google voice
Replies: 57
Views: 4352

Re: Google voice

One thing to keep in mind is that VOIP is very dependent on broadband quality of service (QoS). Speed alone is not enough. The internet connection must have consistent high speed, low latency, low jitter and low packet loss. My Comcast cable broadband is inconsistent so sometimes voice calls are un...
by VictoriaF
Tue Mar 24, 2015 7:42 am
 
Forum: Personal Consumer Issues
Topic: Google voice
Replies: 57
Views: 4352

Re: TradingPlaces' advice on travel awards

Congratulations, Victoria. I'll just add that you've learned another big rule in the frequent flyer community--when a csr doesn't see what you see, you HUCA--hang up (politely of course, also recheck your work) and call again. ETA: Surprises me that the second csr found flights you were not able to...
by VictoriaF
Tue Mar 24, 2015 7:27 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 193
Views: 16826

Re: TradingPlaces' advice on travel awards

Bizarrely, when I plugged Berlin TXL to Seoul ICN into the United search, it did route through Frankfurt like you said, but it showed Saver options that go from TXL to FRA and then nonstop to ICN. These same nonstop FRA to ICN flights were NOT showing up as Saver awards when I plugged in FRA to ICN...
by VictoriaF
Mon Mar 23, 2015 9:13 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 193
Views: 16826

Re: TradingPlaces' advice on travel awards

Victoria, I recalled from an earlier post that you were planning on being in Germany until 8/16 and then in Seoul on 8/21. It seems you've switched your Germany city from Berlin to Frankfurt....so I'm not 100% sure we're talking about the same itinerary, but on a lark I went on the United site and ...
by VictoriaF
Mon Mar 23, 2015 8:36 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 193
Views: 16826

Re: TradingPlaces' advice on travel awards

When I called up to book my complex ticket with them, I had the whole itinerary worked out, leg by leg. You can use United's search engine to find all the individual legs and see if there is Saver availability. So when I wanted to go from Tokyo to Hanoi, I already knew there was no direct flight wi...
by VictoriaF
Mon Mar 23, 2015 8:15 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 193
Views: 16826

Re: Google voice

A couple hours ago, I have configured OBi 110 with Google Voice. I am very new to both OBi and GV. I thought that there was a monthly fee, similarly to OOMA. Do you know how OBi manages to avoid monthly fees? Also, if I make international calls, who will charge me for them, OBi or Google? Should I ...
by VictoriaF
Mon Mar 23, 2015 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Google voice
Replies: 57
Views: 4352

Re: Google voice

Google Voice coupled with an OBI VoIP adapter can also be used for your home phone. http://www.obitalk.com/info/home There's an upfront cost for the adapter (~$50) but no monthly cost thereafter except for international calls (which as mentioned are quite cheap). I've had an Obi 202 for 6 months an...
by VictoriaF
Mon Mar 23, 2015 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Google voice
Replies: 57
Views: 4352

Re: TradingPlaces' advice on travel awards

I am trying to make a rewards-based reservation on United Airlines as follows: 1) IAD-FRA 2) FRA-NRT 3) ICN-DCA ... Victoria, I am curious to hear what the CSR says when you call. My first instinct was that this was not a possible itinerary because NRT and ICN are in 2 different United regions (Jap...
by VictoriaF
Mon Mar 23, 2015 4:30 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 193
Views: 16826

Re: Improving English Language Proficiency- Please suggest B

Caduceus wrote:There are some masters of the language. A.S. Byatt. Neil Gaiman. Donna Tartt, etc.


I did not see your comment until after I have posted mine. I am happy that you are also recommending A.S. Byatt!

Victoria
by VictoriaF
Mon Mar 23, 2015 11:57 am
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 46
Views: 2755

Re: Improving English Language Proficiency- Please suggest B

I recommend reading Man Booker Prize winners; some of them have exquisite language. From the writing quality perspective, my favorite is Possession by A.S. Byatt.

Victoria
by VictoriaF
Mon Mar 23, 2015 11:55 am
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 46
Views: 2755

Re: Account internet security

On Tuesday, 17 March 2015, I added a new credit union (CU) to my Vanguard ACH list. Vanguard sent two microdeposits to my CU account. On Wednesday, 18 March, I found these deposits in my CU account, logged in to Vanguard, and reported the amounts of the microdeposits received at the CU. Since then,...
by VictoriaF
Sun Mar 22, 2015 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Account internet security
Replies: 27
Views: 1494

Re: Account internet security

I believe Vanguard would only send proceeds from sales to your listed address, or already linked bank account anyway. Ask them about this. On Tuesday, 17 March 2015, I added a new credit union (CU) to my Vanguard ACH list. Vanguard sent two microdeposits to my CU account. On Wednesday, 18 March, I ...
by VictoriaF
Sun Mar 22, 2015 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Account internet security
Replies: 27
Views: 1494

Re: What Age Did You First Ponder Financial Independence?

1994 - I took a 2-months vacation and walked over 800km (500 miles) along GR3 and some smaller walking paths in France. A once in a lifetime trip has turned into a lifetime of trips. I wanted to walk other GRs, but work was on the way. A 2-month vacation would be amazing! The longest I've ever been...
by VictoriaF
Sun Mar 22, 2015 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Age Did You First Ponder Financial Independence?
Replies: 74
Views: 6757

Re: Google voice

Phone geek here. If you use google service, I can't see any downside but only upside. Here's how I benefited since 2005 Number of google voice number change: 1 Number of phone number change: more than 10 It saved me $10k+ since 2005. My current monthly phone bill for 5 phones (3 are cellular) is <$...
by VictoriaF
Sun Mar 22, 2015 11:55 am
 
Forum: Personal Consumer Issues
Topic: Google voice
Replies: 57
Views: 4352

Re: "Financial Simplicity: What is Your Time Worth?"

But this brings up a broader point that has already been alluded to. We all have our own thresholds for complexity. Slice and dice seems more popular here than a simple 3 fund portfolio, and the 3 fund portfolio seems more popular than the Life Strategy and Target Retirement funds. For some, tinker...
by VictoriaF
Sun Mar 22, 2015 11:54 am
 
Forum: Investing - Theory, News & General
Topic: "Financial Simplicity: What is Your Time Worth?"
Replies: 27
Views: 3538

Re: What Age Did You First Ponder Financial Independence?

I started saving when I got my first job as a 15 year old. The goal was to save for college. When I graduated college and got my first job I continued to save. I wasn't sure what I was saving for, I just saved. Around age 26 I decided I wanted save enough so I could take a year off from my job to t...
by VictoriaF
Sun Mar 22, 2015 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: What Age Did You First Ponder Financial Independence?
Replies: 74
Views: 6757

Re: Odd issue with USPS change of address

Browser wrote:
I am still getting their mail and making a note for the mail career.

Are you considering a career with the postal service, Victoria?


I am not planning to go Postal, Browser.

Victoria
by VictoriaF
Sun Mar 22, 2015 11:43 am
 
Forum: Personal Consumer Issues
Topic: Odd issue with USPS change of address
Replies: 12
Views: 1351

Re: "Financial Simplicity: What is Your Time Worth?"

Have you looked at what that does to your credit score? L. I don't care. If my credit score drops below the threshold for getting new credit cards, I will stop playing. However, from reading frequent flyer blogs my understanding is that the impact on the credit score is minimal, if any. In fact, if...
by VictoriaF
Sat Mar 21, 2015 11:59 pm
 
Forum: Investing - Theory, News & General
Topic: "Financial Simplicity: What is Your Time Worth?"
Replies: 27
Views: 3538

Re: "Financial Simplicity: What is Your Time Worth?"

Financial simplicity is a great goal, but it should not be pursued at the expense of prudent, even if somewhat complex, activities. For example, when bank accounts pay less than 1%, it does not matter if one pays bills a few days earlier or gets a tax refund. But other financial "complexities&...
by VictoriaF
Sat Mar 21, 2015 11:51 pm
 
Forum: Investing - Theory, News & General
Topic: "Financial Simplicity: What is Your Time Worth?"
Replies: 27
Views: 3538

Re: Odd issue with USPS change of address

I have moved many times, including four times in the past 12 years. I have not had a situation described by the OP, but I'd like to make some related observations. 1. After each move, I get inundated with junk mail at my new address. It appears that the U.S. Post Office sells my information as compe...
by VictoriaF
Sat Mar 21, 2015 10:56 pm
 
Forum: Personal Consumer Issues
Topic: Odd issue with USPS change of address
Replies: 12
Views: 1351

Re: "Financial Simplicity: What is Your Time Worth?"

Financial simplicity is a great goal, but it should not be pursued at the expense of prudent, even if somewhat complex, activities. For example, when bank accounts pay less than 1%, it does not matter if one pays bills a few days earlier or gets a tax refund. But other financial "complexities&...
by VictoriaF
Sat Mar 21, 2015 10:40 pm
 
Forum: Investing - Theory, News & General
Topic: "Financial Simplicity: What is Your Time Worth?"
Replies: 27
Views: 3538

Re: Splitting a Food Tab on a Combined Birthday Lunch

Case-1: Four Individual lunches: $21 per person per event (cost of one's food) $84 per person per year (cost of one person's food for 4 events) $84 per table per event (cost of food for 4 people at the table) In Case-1, at each lunch, one person gets it free, and the other three pay $84 / 3 = $28 e...
by VictoriaF
Sat Mar 21, 2015 10:20 pm
 
Forum: Personal Consumer Issues
Topic: Splitting a Food Tab on a Combined Birthday Lunch
Replies: 54
Views: 3724
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