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Re: Market Beating Recipe

Market-beating recipe:
- Start with a bitter pill
- Add some sugar-coating
- Take it with a grain of salt
- Have it with some juicy news

Victoria
by VictoriaF
Mon Mar 02, 2015 9:10 pm
 
Forum: Investing - Theory, News & General
Topic: Market Beating Recipe
Replies: 19
Views: 1480

Re: Contacted by Internal Revenue Services

I guess the phone scam is making its way around the country. I received 3 voicemail messages from the "Internal Revenue Service s " IRS provides many service s ; it's time to acknowledge it. informing me that the message was being automated You would not expect a stick-shift message, woul...
by VictoriaF
Mon Mar 02, 2015 8:15 pm
 
Forum: Personal Consumer Issues
Topic: Contacted by Internal Revenue Services [Scam]
Replies: 18
Views: 1076

Re: What are Costco's best deals?

I have also done the math as well and compared the price of a lot of items between other stores including Safeway, Target, Wal-Mart, and Costco. I went as far as taking snapshots of price labels with my cell phone, and comparing them later at home. The other stores weren't even close. On things lik...
by VictoriaF
Mon Mar 02, 2015 7:26 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 148
Views: 11016

Re: What are Costco's best deals?

This thread has been very interesting to read. Not too long ago my wife and I went on a shopping "date" (yes, how romantic I know!) where we did an extensive price analysis on a per unit cost basis of most of the items we purchased regularly. We visited Sam's Club, Costco, Walmart, Winco ...
by VictoriaF
Mon Mar 02, 2015 6:35 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 148
Views: 11016

Re: Oil & Vinegar

Oil-and-Vinegar is cheap, simple and healthy. All other options are combinations of extra cost, extra effort and unhealthy additives. The choice is similar to index funds vs. boutique investments: the former are optimal, the latter are alluringly packaged.

Victoria
by VictoriaF
Mon Mar 02, 2015 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 30
Views: 1596

Re: What are Costco's best deals?

One time the gentlemen glanced over my cart and over my receipt and wanted to make sure x-item was supposed to be rung up more than once. I confirmed. Almost like checking to make sure the cashier didn't accidentally scan something twice. I was pleased the cart/receipt check wasn't just for their b...
by VictoriaF
Mon Mar 02, 2015 4:02 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 148
Views: 11016

Re: Nasdaq Record High....

I view it as tuition for learning the "right" way to invest. My disastrous investing in Lucent has thrown me in 2001 into the arms of the Morningstar Diehards. Mel, Taylor and Bob Stowe have caught me on the way down and helped me to reverse the course. My successful retirement is largely...
by VictoriaF
Mon Mar 02, 2015 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nasdaq Record High....
Replies: 25
Views: 1742

Re: Who's going to Disney this summer?

And here is a paradox: In this Disney thread, most people complain about prices, crowds, and heat. In a currently-active thread Favorite Vacation/Trip , most people are recommending Las Vegas. In my opinion, Disney is far superior to Vegas: 1. In Disney, one spends time more healthily, with less foo...
by VictoriaF
Mon Mar 02, 2015 3:39 pm
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 42
Views: 2312

Re: Market Beating Recipe

The best recipe is cooking the books.

Explanation: You can't reliably beat the market, unless you have insider information.

Victoria
by VictoriaF
Mon Mar 02, 2015 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: Market Beating Recipe
Replies: 19
Views: 1480

Re: Nasdaq Record High....

Money defined a new metric PEG, Price/Earnings divided by Growth; the lower PEG was the higher potential the stock had. In 2000, PEG of Nortel was twice that of Lucent. I worked for Bell Labs, felt that Lucent was superior to Nortel, and started moving my 401(k) funds into Lucent. Interestingly, Lu...
by VictoriaF
Mon Mar 02, 2015 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nasdaq Record High....
Replies: 25
Views: 1742

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

wfrobinette wrote:Do you have a venue secured?


Yes, it's always the case. The location is provided only to those who have registered.

Victoria
by VictoriaF
Mon Mar 02, 2015 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 21
Views: 2368

Re: Nasdaq Record High....

I was victimized by Cisco (CSCO). Although many point to the obvious dot com stocks like etoys or pets.com but don't forget you can lose a bundle being in a company that has dominated its space for the past 15 years as well. Expectations were just too crazy. The real culprit was Worldcom. Their exe...
by VictoriaF
Mon Mar 02, 2015 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nasdaq Record High....
Replies: 25
Views: 1742

Re: Wife doesn't want to retire - I do

A lot of men have nothing to retire "to" - as mentioned earlier. They sit around the house, bored, increasingly irritable, don't do the dishes, and generally disrupt the Zen carefully created over the years by the wife. Horror stories abound, including sudden death. This is the most impor...
by VictoriaF
Mon Mar 02, 2015 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 60
Views: 4829

Re: Retiree Poll: Satisfaction with retirement

Very satisfied : 1. Control of my time. - I make some time commitments but they are on my own terms. 2. Control of my environment. - No interruptions. - I spend days with natural light coming through the windows rather than the artificial light of the office. 3. Control of my health. - More time fo...
by VictoriaF
Mon Mar 02, 2015 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Satisfaction with retirement
Replies: 24
Views: 1440

Re: What is your favorite consumer product?

Dilmah tea: The single origin tea, 100% pure Ceylon, Premium quality. Victoria Is this loose leaf tea? I'm a bit of a tea person myself. No, it's in tea bags. I have a pot and a strainer for making loose leaf tea, but most of the time I take an easy way. Here are links for my black tea and green te...
by VictoriaF
Mon Mar 02, 2015 12:45 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 164
Views: 9575

Re: What is your favorite consumer product?

Dilmah tea: The single origin tea, 100% pure Ceylon, Premium quality. Victoria Is this loose leaf tea? I'm a bit of a tea person myself. No, it's in tea bags. I have a pot and a strainer for making loose leaf tea, but most of the time I take an easy way. Here are links for my black tea and green te...
by VictoriaF
Mon Mar 02, 2015 12:11 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 164
Views: 9575

Re: What Book Are You Currently Reading? Part VI

~ Zero Marginal Cost Society~ by Rifkin My first thought was that the IoT, distributed renewable energy, 3D printing, and social networks will eventually lead to a completely different type of an economy, and of particular relevance to this Forum profits, capital gains, and capital markets will be ...
by VictoriaF
Mon Mar 02, 2015 8:01 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 511
Views: 68505

Re: How to find a spouse who wants financial independence

That's a fair comment WCI. My worry is making a major mistake. I am doing the online dating thing and many of those interactions seem to focus on the fact that I'm a doctor. The assumption that I'm wealthy often follows. Of course many of these girls confuse my assumed high income with wealth and B...
by VictoriaF
Sun Mar 01, 2015 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 39
Views: 6500

Re: How to find a spouse who wants financial independence

A couple of weeks after our first date I told my wife to be that I had a coupon for the restaurant but didn't think it was prudent to use. She asked Why not? We eventually went back and used the coupon. The restaurant is no longer in business but we still are. That's a tell sign and a guy I went on...
by VictoriaF
Sun Mar 01, 2015 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 39
Views: 6500

Re: How to find a spouse who wants financial independence

A couple of weeks after our first date I told my wife to be that I had a coupon for the restaurant but didn't think it was prudent to use. She asked Why not? We eventually went back and used the coupon. The restaurant is no longer in business but we still are. That's a tell sign and a guy I went on...
by VictoriaF
Sun Mar 01, 2015 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 39
Views: 6500

Re: TradingPlaces' advice on travel awards

VictoriaF, thanks for your posts. I'm learning a lot about this stuff and probably should have been doing it earlier since I travel a lot for pleasure. I have a couple of questions. 1. If I want to build up United miles but don't have a business gt4715b, Before you reject business credit cards, ple...
by VictoriaF
Sun Mar 01, 2015 11:02 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8684

Re: Not "Staying the Course"

If the stock market were to drop, say 50%, like it has done twice in the last 15 years, I would be hard pressed to avoid raising my equity allocation from my 50% "target" to, say 65%. I would be inclined to do this despite my - former - resolve to never rebalance from bonds, only into bon...
by VictoriaF
Sun Mar 01, 2015 8:42 am
 
Forum: Investing - Theory, News & General
Topic: Not "Staying the Course"
Replies: 40
Views: 4590

Re: Wife doesn't want to retire - I do

I am hoping that saying the next thing does not get me flamed; I am generally very gender neutral and think stereotypes are seldom a way to improve understanding. But here goes: in all of my years of working, most working mothers have an underlying sense of guilt about working that I don't recall a...
by VictoriaF
Sun Mar 01, 2015 8:31 am
 
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 60
Views: 4829

Re: What is your favorite consumer product?

I wonder why NB does that, and I assume other manufacturers do also. My cardio is generally on the elliptical, so shoes aren't as critical, but NB replaced my favorite with improved models over the years, none of which I like as much. Based on reviews on Zappos, I'm not the only one who didn't rega...
by VictoriaF
Sun Mar 01, 2015 8:11 am
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 164
Views: 9575

Re: What is your favorite consumer product?

Dilmah tea: The single origin tea, 100% pure Ceylon, Premium quality.

Victoria
by VictoriaF
Sun Mar 01, 2015 8:04 am
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 164
Views: 9575

Re: airbnb tips?

After some years as a successful VRBO renter, I attempted to Airbnb last fall. I was able to communicate directly with the owner, and we negotiated a reduced price. The sign-up process was odious. I did the Airbnb online application. My credit card sailed through. I emailed a copy of my drivers lic...
by VictoriaF
Sun Mar 01, 2015 7:54 am
 
Forum: Personal Consumer Issues
Topic: airbnb tips?
Replies: 20
Views: 1469

Re: Roll Call for the Retirement Class of 2015!

Class of 2015 as of 01 March 2015: 31 Mar - Philliefan33 15 Apr - Wagnerjb 01 Apr - Rob54keep (60) 30 Apr - zbxb006 <-- Welcome to the Class! 12 May - Girino 30 Jun - beltonr xx Jul - laughlinlvr 01 Sep - obgyn65 30 Sep - midmoder 18 Dec - cinghiale 31 Dec - Nearing_Destination 31 Dec - Snapper (68...
by VictoriaF
Sun Mar 01, 2015 7:36 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 65
Views: 6108

Re: Wife doesn't want to retire - I do

A lot of men have nothing to retire "to" - as mentioned earlier. They sit around the house, bored, increasingly irritable, don't do the dishes, and generally disrupt the Zen carefully created over the years by the wife. Horror stories abound, including sudden death. This is the most impor...
by VictoriaF
Sat Feb 28, 2015 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 60
Views: 4829

Re: Thought for the Day: Invest Logically

hoops777 wrote:I think he would only put 20 pct in planet earth stocks and 80 pct universal :D


He could use the universal part of the allocation to buy real estate, because outside Earth, it can't go under water.

Victoria
by VictoriaF
Sat Feb 28, 2015 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: Thought for the Day: Invest Logically
Replies: 12
Views: 1023

Re: Genes explain 33% variation of savings & 25% of risk tak

Tell it to the people who post about their spendthrift children, siblings, parents, and in-laws.

Victoria
by VictoriaF
Sat Feb 28, 2015 11:15 am
 
Forum: Investing - Theory, News & General
Topic: Genes explain 33% variation of savings & 25% of risk taking
Replies: 3
Views: 428

Re: Retirement - Surprises, Solutions

You might wake up some February morning and decide to drive down to Key West and not return until you feel like returning. From Minnesota? Victoria I don't live in Minnesota. I may eat hot dogs, but I don't live in Minnesota. Not that there's anything wrong with that. Right. In Minnesota, you would...
by VictoriaF
Sat Feb 28, 2015 11:05 am
 
Forum: Personal Consumer Issues
Topic: Retirement - Surprises, Solutions
Replies: 30
Views: 3594

Re: Retirement - Surprises, Solutions

Bustoff wrote:You might wake up some February morning and decide to drive down to Key West and not return until you feel like returning.


From Minnesota?

Victoria
by VictoriaF
Sat Feb 28, 2015 10:54 am
 
Forum: Personal Consumer Issues
Topic: Retirement - Surprises, Solutions
Replies: 30
Views: 3594

Re: Thought for the Day: Invest Logically

So in honor of Mr. Spock, I'm going to tout the virtues of investing logically today. There has been a lot written about behavioral investing, but the point is we can, or at least should, control our behavior. It's worth asking ourselves, when exposed to some breathless euphoria or panic about the ...
by VictoriaF
Sat Feb 28, 2015 8:15 am
 
Forum: Investing - Theory, News & General
Topic: Thought for the Day: Invest Logically
Replies: 12
Views: 1023

Re: Retirement - Surprises, Solutions

If you have some things you want to change about yourself it's just as hard in retirement to do the "hard work" as it was when you were working. You just have more time to think about it. Significant changes are rooted in new habits. In retirement, it's easier to develop new habits becaus...
by VictoriaF
Sat Feb 28, 2015 7:28 am
 
Forum: Personal Consumer Issues
Topic: Retirement - Surprises, Solutions
Replies: 30
Views: 3594

Re: Favorite Vacation/Trip

...
by VictoriaF
Fri Feb 27, 2015 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 37
Views: 3296

Re: TradingPlaces' advice on travel awards

Welcome back, Nonnie! Now that you are a travel awards pro, you can resume your contributions to the Bogleheads. Victoria I fear you left off the smilie on the above remark :happy . It would be a wink, and if I winked at you, it could be misunderstood in a family-friendly forum {laughing} Unfortuna...
by VictoriaF
Fri Feb 27, 2015 7:29 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8684

Re: TradingPlaces' advice on travel awards

I used to be fairly active on the BH forum until I discovered the "hobby" of travel awards and points last summer! I went into it full steam and found it rewarding AND somewhat addicting. I'm taking a bit of a hiatus now as one can spend as little or as much time as one wishes with the re...
by VictoriaF
Fri Feb 27, 2015 7:08 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8684

Re: Favorite Vacation/Trip

Hi BHs, Some friends and I are planning a trip this summer and I'm looking for Boglehead ideas! We're all under 30 and would like to keep it under $2500 (or less) for a week long trip (that includes flights, hotel, etc.) Most of us are located up and down the East Coast (mostly in DC). Pretty much ...
by VictoriaF
Fri Feb 27, 2015 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 37
Views: 3296

Re: Not "Staying the Course"

tennisplyr wrote:Was wondering if there are investment situations where you have not or would not stay the course?


No, if you define the "course" as adherence to your Investment Policy Statement (IPS), and the IPS contains provisions for various market conditions.

Victoria
by VictoriaF
Fri Feb 27, 2015 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: Not "Staying the Course"
Replies: 40
Views: 4590

Re: Foreign film night recommendations.

Notting Hill, but it's not entirely foreign.

Victoria
by VictoriaF
Fri Feb 27, 2015 5:38 pm
 
Forum: Personal Consumer Issues
Topic: Foreign film night recommendations.
Replies: 124
Views: 6140

Re: Retirement - Surprises, Solutions

I have thought of another thing that surprised me. My financial plan for retirement is to live off my savings and pensions until the age of 70 to maximize my Social Security payments. I expected to be stressed by the diminishing amount of my assets from taking cash out and steeled myself to take it ...
by VictoriaF
Fri Feb 27, 2015 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Retirement - Surprises, Solutions
Replies: 30
Views: 3594

Re: Roll Call for the Retirement Class of 2015!

Class of 2015 as of 27 February 2015: <-- replaced with a later list.

Have graduated:
28 Feb - Jim85 <-- Congratulations!
28 Feb - louis c <-- Congratulations!

Currently, 21 class members.

Victoria
by VictoriaF
Fri Feb 27, 2015 5:02 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 65
Views: 6108

Re: Aging Populations and Stock/Bond Market Returns

@simplegift and Victoria Excellent posts on productivity and technology as possible mitigating factors on aging demographics impact on global economic performance. What worries me is the other edge of the technology sword, at least for information or Process based assets that increase productivity....
by VictoriaF
Fri Feb 27, 2015 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: Aging Populations and Stock/Bond Market Returns
Replies: 31
Views: 3218

Re: Credit Card Rewards (Travel)

50,000 British Airways avios from spending $2k within 3 months on their card gets us from LAX-HNL and back on American Airlines. This is a great way to use travel rewards! I am still learning the ropes. A quick question: How do you use British Airway's avios to book other than BA airlines? Thank yo...
by VictoriaF
Fri Feb 27, 2015 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 65
Views: 3889

Re: TradingPlaces' advice on travel awards

On flyertalk there are many reports of successful loads within the last 30mins. Thank you for the good news, they could not have come at a better time. ADDED: I have read FlyerTalk messages since yesterday night. Several people reported that their transactions came through, but for some it still di...
by VictoriaF
Fri Feb 27, 2015 7:50 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8684

Re: TradingPlaces' advice on travel awards

I think it is too early to tell if the sky is ending on this. Amex has had lots of problems in the initial roll-out so it isn't immune to these technological glitches and it appears that the system isn't accepting any form of load not just credit card payments. It is unfortunate that this comes tow...
by VictoriaF
Thu Feb 26, 2015 5:06 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8684

Re: TradingPlaces' advice on travel awards

I read it on the Frequent Miler blog. He has several blog posts about REDcard and numerous questions and answers in comments. I did not remember the exact place, and when I started searching for it, the FlyerTalk FAQ about REDcard came up. Almost at the top of the FAQ, there is an image of a table ...
by VictoriaF
Thu Feb 26, 2015 4:42 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8684

Re: What are Costco's best deals?

I think Costco is skewed toward the higher cost / higher quality items. It's a good point. After the recent news about supplements not containing the ingredients they claim to contain I am planning to move all my purchases of supplements to Costco. Victoria Why? If the old stuff was working who car...
by VictoriaF
Thu Feb 26, 2015 3:21 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 148
Views: 11016

Re: What are Costco's best deals?

I think Costco is skewed toward the higher cost / higher quality items. It's a good point. After the recent news about supplements not containing the ingredients they claim to contain I am planning to move all my purchases of supplements to Costco. Victoria Why? If the old stuff was working who car...
by VictoriaF
Thu Feb 26, 2015 2:00 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 148
Views: 11016

Re: What are Costco's best deals?

Anon1234 wrote:I think Costco is skewed toward the higher cost / higher quality items.


It's a good point. After the recent news about supplements not containing the ingredients they claim to contain I am planning to move all my purchases of supplements to Costco.

Victoria
by VictoriaF
Thu Feb 26, 2015 1:46 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 148
Views: 11016
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