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Re: Switching Banks

Before closing out the BofA account and/or credit card, first open an account at this credit union and get one of their credit cards. Make sure your needs/desires are adequately met. A new credit card does not necessarily have to come from the new credit union. I have recently started investigating...
by VictoriaF
Wed Apr 16, 2014 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching Banks
Replies: 4
Views: 111

Re: Shuttle from Tampa airport to St Pete Beach?

I've purchased my shuttle rides on line. Here are some observations: 1. When I was entering the hotel address manually, the one-way price was $28. When I specified my hotel by name, the one-way price dropped to $25. 2. When I was completing the reservation, the price dropped further to $47 for the r...
by VictoriaF
Wed Apr 16, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Shuttle from Tampa airport to St Pete Beach?
Replies: 4
Views: 189

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

I disagree with several of his "Doesn’t Matter" statements: Doesn’t Matter: Your theories on tax policy. Does Matter: Taking advantage of tax sheltered retirement accounts. One's opinion about the future tax policy impacts one's planning of Roth conversions. An expectation of higher taxes ...
by VictoriaF
Wed Apr 16, 2014 7:23 pm
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 6
Views: 809

Re: Traveling by train in the UK for the firs time, help!

Bus line is - FirstGroup - Route 71 is the route that would swing you by Englefield green and Beaumont Estate. This route will also take you right into town and to the trainstations you would use for your passage to London. The Taxi Service I would recomend is Five Star Taxi - 01753858888 Excellent...
by VictoriaF
Wed Apr 16, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 25
Views: 1037

Re: Traveling by train in the UK for the firs time, help!

I will be in Windsor for a few days in September, and after that I want to spend a few days in London. From a preliminary search, it appears that I can travel by train from Heathrow to Windsor and from Windsor to London. From London back to Heathrow I will take the tube, as I did in the past. If an...
by VictoriaF
Wed Apr 16, 2014 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 25
Views: 1037

Re: Shuttle from Tampa airport to St Pete Beach?

Thank you, Bruce.

Victoria
by VictoriaF
Wed Apr 16, 2014 3:20 pm
 
Forum: Personal Consumer Issues
Topic: Shuttle from Tampa airport to St Pete Beach?
Replies: 4
Views: 189

Shuttle from Tampa airport to St Pete Beach?

I will be spending a week at St. Pete Beach, Florida. I don't need a car while I am there, and so I am considering using an airport shuttle. Please comment if Supershuttle is the best option and if it's better to reserve it online or when I arrive.

Thank you,
Victoria
by VictoriaF
Wed Apr 16, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Shuttle from Tampa airport to St Pete Beach?
Replies: 4
Views: 189

Re: SS Strategy Metric

rkhusky wrote:Also, does/did anyone factor in that by delaying SS one could convert more tax-deferred savings to a Roth at lower rates?


I do/did.

Victoria
by VictoriaF
Wed Apr 16, 2014 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Strategy Metric
Replies: 17
Views: 718

Re: Baby Boomers: Top 10 Movies

My additions:
"It's a Mad Mad Mad Mad World" and
"Victor and Victoria," of course.

Victoria
by VictoriaF
Wed Apr 16, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 12
Views: 725

Re: A "Boglehead" seen in the daylight!

Indeed, From what Gail reports, it appears Bogleheads numbers are increasing and we are beginning to see them coming out of their caves and moving about in the daylight. Shawcroft (just kidding, folks!) Bogleheads are like squirrels. They have always been there, but there was no one to notice them....
by VictoriaF
Wed Apr 16, 2014 1:36 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 65
Views: 7329

Re: Stocks: How Bad It Can Get

The next big drop will occur during "Ukraine, the invasion of." It's not an invasion but a civil war. Victoria Well, a US backed popular coup followed by a Russian backed popular secession. Now they're having internal troubles that could possibly lead to a civil war or an invasion. Of cou...
by VictoriaF
Wed Apr 16, 2014 1:33 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5115

Re: What is your net worth

The Wizard wrote:The serious thread on 2014 Net Worth is the other one, with the big spreadsheet, by bobblehead and bigfoot.
This thread is just for joking around...

This thread has produced a beautiful normal distribution, and we all know that normal distribution is not a joke.

Victoria
by VictoriaF
Wed Apr 16, 2014 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 25
Views: 2980

Re: What is your net worth

sscritic wrote:
Bustoff wrote:Everyone knows that the Bogleheads who have the highest number of posts have the highest net worth.

If only it were that easy. :)

Try to sell your posts.

Victoria
by VictoriaF
Wed Apr 16, 2014 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 25
Views: 2980

Re: SS Strategy Metric

My strategy is to wait collecting Social Security until the age of 70, so that I will maximize my inflation-adjusted income for the remainder of my life.

Victoria
by VictoriaF
Wed Apr 16, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Strategy Metric
Replies: 17
Views: 718

Re: Stocks: How Bad It Can Get

steve roy wrote:The next big drop will occur during "Ukraine, the invasion of."


It's not an invasion but a civil war.

Victoria
by VictoriaF
Wed Apr 16, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5115

Re: Traveling by train in the UK for the firs time, help!

I will be in Windsor for a few days in September, and after that I want to spend a few days in London. From a preliminary search, it appears that I can travel by train from Heathrow to Windsor and from Windsor to London. From London back to Heathrow I will take the tube, as I did in the past. If any...
by VictoriaF
Wed Apr 16, 2014 1:01 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 25
Views: 1037

Re: apartment rental strategies

I have been watching apartment prices in a specific area of Arlington, VA, where I want to move to in a few months. For some apartment buildings, I noticed a difference in about $200 per month between the price advertised in February and the price advertized now. In summer many people move, e.g., to...
by VictoriaF
Wed Apr 16, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: apartment rental strategies
Replies: 10
Views: 699

Re: Federal Employment Question

If your goal is to get another Federal job, you can't get around USAJobs. The hiring process in the Federal government is very structured and enforced. The goal of the hiring policies is to prevent abuse, but an unfortunate outcome is that a hiring manager is highly restricted in whom she or he can ...
by VictoriaF
Wed Apr 16, 2014 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employment Question
Replies: 16
Views: 853

Re: Target breach: deadline for credit monitoring

They would not go off-line to get my real report and then give to me so that I would not suspect a fraud. At least, I don't think that would make an economic sense for them to do. It would be pretty easy and that way you don't get found out as quickly vs the error which would get reported on the we...
by VictoriaF
Tue Apr 15, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Target breach: deadline for credit monitoring
Replies: 8
Views: 554

Re: Target breach: deadline for credit monitoring

But a fraudulent web site would not have provided me with my credit report. It would be trivial to be a man in the middle so you would not notice a difference in functionality... that's why I questioned that it's not experian.com (or some variations like experian.com/target).... Why did the need a ...
by VictoriaF
Tue Apr 15, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Target breach: deadline for credit monitoring
Replies: 8
Views: 554

Re: Target breach: deadline for credit monitoring

http://www.protectmyid.com/ takes you to the Experian web site. http://www.protectmyid.com/target takes you to a page requesting the activation code you will have received from Target. After I entered all required information, the site has provided me with an accurate credit report. I am aware of so...
by VictoriaF
Tue Apr 15, 2014 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Target breach: deadline for credit monitoring
Replies: 8
Views: 554

Re: I'm on a mission for more security

I think it's important to diversify across 2-3 financial institutions holding your assets and providing you with credit and liquidity. It's tempting to hold all the assets in Vanguard, have a checking account with a single credit union, and have one reward-rich credit card. However, any single insti...
by VictoriaF
Tue Apr 15, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: I'm on a mission for more security
Replies: 15
Views: 1438

Re: How far in advance to look for rental house or apt?

Another option is to skip the advance apartment-hunting trip and stay at someplace like the Residence Inn or some other extended-stay place with a kitchen and temporarily leave my stuff in the pods while I take time to scour the Reno area for the best place to settle down. Any downsides to this opt...
by VictoriaF
Tue Apr 15, 2014 11:07 am
 
Forum: Personal Consumer Issues
Topic: Moving to Reno: When to look for a rental?"
Replies: 12
Views: 564

Re: How far in advance to look for rental house or apt?

Do most landlords start showing their places as soon as they get notice from the renter to avoid long vacancy periods, or do most wait until the place is empty and (hopefully) cleaned or painted as needed? If a building is fully occupied, the landlord starts showing your apartment as soon as you an...
by VictoriaF
Tue Apr 15, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: Moving to Reno: When to look for a rental?"
Replies: 12
Views: 564

Re: How far in advance to look for rental house or apt?

The following is based on my experience of renting in the Mid-Atlantic region, in NJ, VA and MD. Reno could be different. Usually, more apartments come to market in June-August, when families with children of school age move to other school districts. During this time, you have more choice but also ...
by VictoriaF
Tue Apr 15, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: Moving to Reno: When to look for a rental?"
Replies: 12
Views: 564

Re: The slackening...

I like the idea of motivating greater success. But how would you verify what your children have accumulated? And when would you notify your children (credibly) that this is your intent? This is a concern only if "greater success" is equivalent to greater financial accumulation. I find sci...
by VictoriaF
Tue Apr 15, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: The slackening...
Replies: 55
Views: 5092

Re: Passport, TSA Pre-Check, and Global Entry

Some photos are supposed to be taken within the last 6 months. So I make sure I am not wearing the same thing I was wearing for my passport photo (which can be exactly dated). Is the concern the age of the photo or the age of your clothes? If you are still wearing what you have on the photo, it mea...
by VictoriaF
Mon Apr 14, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 2385

Re: The slackening...

A parent rises from immigrant or blue collar poverty to enormous but generally "hidden" wealth. This person's greatest goal is that (his) children become educated professionals (doctor, hopefully). But the fire in the belly for the children is just not there, and very likely the children ...
by VictoriaF
Mon Apr 14, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: The slackening...
Replies: 55
Views: 5092

Re: Passport, TSA Pre-Check, and Global Entry

Victoria, in my case I seem to remember they (CBP) took the picture, which is the same process as getting a US visa. Not sure if that would change for US citizens/residents. Thank you, that means that I don't need to come with my own picture. I still might get a few extra passport pictures followin...
by VictoriaF
Sun Apr 13, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 2385

Re: Passport, TSA Pre-Check, and Global Entry

Some photos are supposed to be taken within the last 6 months. So I make sure I am not wearing the same thing I was wearing for my passport photo (which can be exactly dated). Is the concern the age of the photo or the age of your clothes? If you are still wearing what you have on the photo, it mea...
by VictoriaF
Sun Apr 13, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 2385

Re: Passport, TSA Pre-Check, and Global Entry

VictoriaF wrote:Does one need a separate photograph for Global Entry?
Is it a passport photo?


I'll be getting a passport photo for a new passport today and would like to know really soon if I should get the second one. I could not find any references to a photo on the CBP web site.

Thank you,
Victoria
by VictoriaF
Sun Apr 13, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 2385

Re: Passport, TSA Pre-Check, and Global Entry

Does one need a separate photograph for Global Entry?
Is it a passport photo?


Victoria
by VictoriaF
Sun Apr 13, 2014 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 2385

Re: How much is rich?

Rich to me is freedom from having to work. Not having to work means you are able to generate enough income off of your investments to live comfortably. This number is different for people at different stages of their lives. So, I'd say rich start at about $2 million. At a 2% withdraw rate for a ver...
by VictoriaF
Sun Apr 13, 2014 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: How much is rich?
Replies: 47
Views: 2365

Re: Passport, TSA Pre-Check, and Global Entry

Steven, This is very useful. It means that I can apply for Global Entry without waiting to apply for and receive my new passport. Thank you, Victoria You might want to check on that. I think you want to get the new passport first. When you sign up for GE you can specify multiple passports (such as ...
by VictoriaF
Sun Apr 13, 2014 10:18 am
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 2385

Re: How much is rich?

Victoria is correct as she posted a number way out there as her way of making light of equating happiness with dollars.....at least I think that is what she did. If I found my happiness in my account ledger, or in the type of car(s) in my driveway, or in what neighborhood I find my driveway.....I a...
by VictoriaF
Sun Apr 13, 2014 9:51 am
 
Forum: Personal Finance (Not Investing)
Topic: How much is rich?
Replies: 47
Views: 2365

Re: Passport, TSA Pre-Check, and Global Entry

Steven,

This is very useful. It means that I can apply for Global Entry without waiting to apply for and receive my new passport. Thank you,

Victoria
by VictoriaF
Sun Apr 13, 2014 8:25 am
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 2385

Re: How much is rich?

Twelve million. After that, you have to skip thirteen million, because it brings bad luck.

Victoria
by VictoriaF
Sun Apr 13, 2014 8:22 am
 
Forum: Personal Finance (Not Investing)
Topic: How much is rich?
Replies: 47
Views: 2365

Re: Stock markets in free fall?

The stocks are in the fall, but they are not free. Yet.

Victoria
by VictoriaF
Sat Apr 12, 2014 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6462

Re: Why Americans are Retiring Overseas

When I was entering small shops, my first question was if they spoke English. In 80% of the places they would shake their heads. Then I would ask if they spoke Russian, and the answer was "a little." After that I would speak to them in Russian, they would respond to me in Slovakian, and w...
by VictoriaF
Sat Apr 12, 2014 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8460

Re: Speculation on I Bond fixed rate for May 1st

sscritic wrote:
VictoriaF wrote:If by some unconscionable reasons the fixed rate increases above 0.2% later in the year, I will regret it less than if I did not buy early and the rate later dropped.

Most regret is asymmetric. You are human after all. :)


Which is good, because asymmetry makes decision making easier.

Victoria
by VictoriaF
Sat Apr 12, 2014 6:03 pm
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 17
Views: 2045

Re: Speculation on I Bond fixed rate for May 1st

My I Bond timing approach is based on the strategy of minimizing the regret. Last year, I rushed to buy I Bonds early in the year and thus experienced an enormous regret when the fixed rate jumped to 0.2%. There was no rational reason not to wait until after 1 November 2013, and my eagerness to buy ...
by VictoriaF
Sat Apr 12, 2014 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 17
Views: 2045

Re: Use credit cards to pay rent: Amex Serve?

... The websites all suggest that this will work, but I'm wondering whether anyone has actual experience with this. I've no experience so I can't contribute in that way, but the AmEx Serve website clearly cautions against precisely what you're proposing. PJW Costanza has brought up an excellent que...
by VictoriaF
Sat Apr 12, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 48
Views: 2943

Re: Use credit cards to pay rent: Amex Serve?

... The websites all suggest that this will work, but I'm wondering whether anyone has actual experience with this. I've no experience so I can't contribute in that way, but the AmEx Serve website clearly cautions against precisely what you're proposing. PJW Costanza has brought up an excellent que...
by VictoriaF
Sat Apr 12, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 48
Views: 2943

Re: Retirement Check

abuss368 wrote:3) Traditional IRA - any way to convert in small amounts to your existing Roth IRA over time while your income is low?


He wrote "IRA" but then specified TSP funds. I wonder if he is using IRA and TSP interchangeably. If it is TSP, you cannot convert to Roth, at least not now.

Victoria
by VictoriaF
Sat Apr 12, 2014 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Check
Replies: 12
Views: 1182

Re: Why Americans are Retiring Overseas

I agree with this. Many people have this idea that Europe is super expensive. But it's really not at all. Especially if you talking about renting for a month or more, it can be waaaaay less than most large American cities. Check out some prices on AirBnB for example. I am going to check out AirBnB,...
by VictoriaF
Sat Apr 12, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8460

Re: Retirement Check

Contender,

If you are now paying for you expenses out of your savings, your taxes are probably lower than your future taxes after you start collecting Social Security. You will also have to pay for Medicare in addition to FEHB.

Victoria
by VictoriaF
Sat Apr 12, 2014 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Check
Replies: 12
Views: 1182

Re: Passport, TSA Pre-Check, and Global Entry

Can you have an appointment at BWI or Reagan? I haven't used it, but according to the web site there is an office in downtown DC Downtown D.C. Global Entry Enrollment Center Enrolls 10,000th Applicant http://www.cbp.gov/newsroom/local-media-release/2013-08-30-040000/downtown-dc-global-entry-enrollm...
by VictoriaF
Sat Apr 12, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 2385

Re: Passport, TSA Pre-Check, and Global Entry

1. Not sure you should cancel your free Pre-check through work. If anything I'd think having Pre-check would expedite getting Global Entry. I thought so too but changed my mind. If different parts of DHS had two different records for me, that could potentially cause confusion. I am trying to avoid ...
by VictoriaF
Sat Apr 12, 2014 9:10 am
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 2385

Re: Why Americans are Retiring Overseas

I agree with this. Many people have this idea that Europe is super expensive. But it's really not at all. Especially if you talking about renting for a month or more, it can be waaaaay less than most large American cities. Check out some prices on AirBnB for example. I am going to check out AirBnB,...
by VictoriaF
Sat Apr 12, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8460

Re: Why Americans are Retiring Overseas

I'm slowly coming to the conclusion that there is no one best place for me. So, I'm planning on half and half. Half of the time I'm here in the beautiful upper Midwest, fly-fishing and biking and enjoying the great weather and then the rest of the time renting a nice appartment in Europe (Spain in ...
by VictoriaF
Sat Apr 12, 2014 9:02 am
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8460
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