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Re: Roll Call for the Retirement Class of 2015!

Dolphin1 wrote:Add me to the list! Aiming for sometime between May 29-June 5.


Hi Dolphin1,

I added you to the list above. Congratulations! When you know the exact date, please post it and I will update the list.

I am logging off and won't be back until mid-June.

Victoria
by VictoriaF
Mon Apr 13, 2015 11:14 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 72
Views: 7016

Re: Roll Call for the Retirement Class of 2015!

I updated the Class of 2015 list with my congratulations to those who will be retiring while I am away from the Internet. I hope others will also congratulate them on their actual retirement dates.

Best wishes to all,

Victoria
by VictoriaF
Mon Apr 13, 2015 11:05 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 72
Views: 7016

Re: Roll Call for the Retirement Class of 2015!

Class of 2015 as of 13 April 2015 (No Joke!): 30 Jun - beltonr xx Jul - laughlinlvr 01 Sep - obgyn65 30 Sep - midmoder 18 Dec - cinghiale 31 Dec - Nearing_Destination 31 Dec - Snapper (68) Have graduated: 01 Jan - m139115 (56) 05 Jan - MidMNtom (60) 15 Jan - Greenie (63) 24 Jan - anncatchingup (66)...
by VictoriaF
Mon Apr 13, 2015 11:01 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 72
Views: 7016

Re: Household Gross Income Poll

EmergDoc wrote:This forum just represents a very select sample of society-mostly high earning, mostly wealthy or rapidly on their way there...


...And who know where to find Line 22.

Victoria
by VictoriaF
Sun Apr 12, 2015 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 12442

Re: protecting passport from damage

The RFID is a bigger worry. However, I got my passport at 17 so I was not given a chip. Only a couple more years before I have to renew it & worry about that. For $15, Amazon sells Credit Card & Passport Holders Case Set W/anti-theft Rfid Blocking Capabilities for Security , which includes ...
by VictoriaF
Sun Apr 12, 2015 8:51 am
 
Forum: Personal Consumer Issues
Topic: protecting passport from damage
Replies: 23
Views: 1590

Re: protecting passport from damage

I have registered with the State Department STEP program https://step.state.gov . They have on file my passport number, passport card number, and contact information in the US. I also register with them selected trips abroad. For example, I have registered my el Camino walk and gave them the contact...
by VictoriaF
Sun Apr 12, 2015 8:39 am
 
Forum: Personal Consumer Issues
Topic: protecting passport from damage
Replies: 23
Views: 1590

Re: Cost of College & Weighing the Merits of Top Schools

People don't want their kids to suffer like they suffered... But, it's usually BECAUSE you suffered, that you are the person you are today... If you protect your children so they never have to suffer, they may miss some of the lessons you learned. Excellent observation. HYPS provide plenty of ego s...
by VictoriaF
Sun Apr 12, 2015 7:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16479

Re: Mailing tax returns

dodecahedron wrote:I like Victoria's theory! :beer


I deleted the message with my theory. Let it be dodecahedron's and Victoria's secret.

Victoria
by VictoriaF
Sat Apr 11, 2015 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mailing tax returns
Replies: 56
Views: 3594

Re: protecting passport from damage

I received a new passport with a chip last year and purchased an RF shielding passport holder and a sleeve. For the next two months I will be carrying the passport in a money belt day and night. I will use the sleeve and probably a plastic bag on top of it.

Victoria
by VictoriaF
Sat Apr 11, 2015 2:58 pm
 
Forum: Personal Consumer Issues
Topic: protecting passport from damage
Replies: 23
Views: 1590

Re: Best fish oil/omega-3 supplement?

I take a Viva Labs Krill Oil capsule once a day and Kirkland Fish Oil capsule two times a day. The former is expensive, the latter are relatively cheap, which creates diversification (like stocks and bonds). Is this the best combination? I have no idea; I consider it an insurance, not a cure. Victo...
by VictoriaF
Sat Apr 11, 2015 1:32 pm
 
Forum: Personal Consumer Issues
Topic: Best fish oil/omega-3 supplement?
Replies: 18
Views: 1220

Re: Best fish oil/omega-3 supplement?

I take a Viva Labs Krill Oil capsule once a day and Kirkland Fish Oil capsule two times a day. The former is expensive, the latter are relatively cheap, which creates diversification (like stocks and bonds). Is this the best combination? I have no idea; I consider it an insurance, not a cure. Victoria
by VictoriaF
Sat Apr 11, 2015 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Best fish oil/omega-3 supplement?
Replies: 18
Views: 1220

Re: GE stock up 11% on Friday.

Bustoff wrote:Should I sell it ?


Yes. And promise not to look at the GE price after you have sold it.

Victoria
by VictoriaF
Sat Apr 11, 2015 11:53 am
 
Forum: Investing - Theory, News & General
Topic: GE stock up 11% on Friday.
Replies: 19
Views: 2127

Re: Cost of College & Weighing the Merits of Top Schools

I'd like to offer another consideration, a logical one. If you are a high net-worth individual you don't brag about your wealth unless you talk with those of similar wealth. When you speak with those of lower wealth, you try to minimize yours to avoid being insensitive or cause envy. Likewise, if yo...
by VictoriaF
Sat Apr 11, 2015 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16479

Re: Favorite Boglehead Avatar?

digarei wrote:Does an avatar influence the reader's assessment of the quality of advice? I think it does.


My avatar is a Black Swan, which I have created by modifying another picture. I was thinking that it signifies my Black Swan awareness ... until someone commented that it looks like a peacock.

Victoria
by VictoriaF
Sat Apr 11, 2015 11:07 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 87
Views: 4569

Re: Getting married-do I really need a will?

Common sense says that if you die without a will, the question "was there a will?" needs to be settled, and I don't see how it can be quick or easy to prove to a court that there isn't one. Proving the absence is difficult if not impossible. But a similarly difficult question is "was...
by VictoriaF
Sat Apr 11, 2015 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting married-do I really need a will?
Replies: 26
Views: 1998

Re: Getting married-do I really need a will?

Common sense says that if you die without a will, the question "was there a will?" needs to be settled, and I don't see how it can be quick or easy to prove to a court that there isn't one. Proving the absence is difficult if not impossible. But a similarly difficult question is "was...
by VictoriaF
Sat Apr 11, 2015 7:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting married-do I really need a will?
Replies: 26
Views: 1998

Re: Has Anyone had a Credit Card Cancelled for not Using It

In the 1980s, as a perque from my employer, I got a Visa that guaranteed never to charge an annual fee. At that time, most cards charged annual fees and so this card seemed a good thing. Over the years, the bank that had issued the card was purchased by another bank, then that bank merged with anoth...
by VictoriaF
Sat Apr 11, 2015 6:47 am
 
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 51
Views: 3612

Re: On a budget and Friday night

yellowgirl wrote:We want to go to Pei Wei and see a movie but that will be at least $50 for 4 of us.


Either go out to eat or to watch a film. You don't have to do both.

Victoria
by VictoriaF
Sat Apr 11, 2015 6:30 am
 
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5022

Re: Car maintenance/time to change car?

Ergo, the "value" of the car is irrelevant. The only question is whether or not I'm going to get my money's worth of driving out of the $3,000 engine. The value of the car may have the REVERSE relevance. If the car has a high resale value, it may be worthwhile to replace it. If the car ha...
by VictoriaF
Sat Apr 11, 2015 6:19 am
 
Forum: Personal Consumer Issues
Topic: Car maintenance/time to change car?
Replies: 27
Views: 2344

Re: What Book Are You Currently Reading? Part VI

Get What's Yours: The Secrets to Maxing Out Your Social Security Hardcover by Laurence J. Kotlikoff , Philip Moeller , Paul Solman The book is too small. By that I mean it's dimension are much smaller than a typical hardcover book. To make things worse, the print is too small. They really cheaped o...
by VictoriaF
Sat Apr 11, 2015 6:09 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 636
Views: 88927

Re: Am I part of the problem??

Alternatively, the OP is smart but had not considered the consequences of his message. His first message will also be his last message as "Tim W." Soon we will get a new poster with the same writing style but a different name. He won't be called Tim. Victoria Unless, John D posted here la...
by VictoriaF
Fri Apr 10, 2015 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 8476

Re: Cost of College & Weighing the Merits of Top Schools

Just wondering does MIT count with HYPS ? Yes ? No ? If the undergrad major is in math, physics or engineering. MIT and Caltech count in terms of education. However, they have much smaller endowments than HYPS and thus much less generous financial aid. If you get to HYPS, you have your cake and eat...
by VictoriaF
Thu Apr 09, 2015 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16479

Re: Planning Washington DC Sightseeing

Rides: Great Falls Canal Boat Rides Great Falls Mule Drawn Boat Rides Take a trip back in time to the 1870's! Ride along the historic C&O Canal in a boat pulled by mules. Experience rising 8 feet in a lock. Hear park rangers in period clothing describe what life was like for the families that l...
by VictoriaF
Thu Apr 09, 2015 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 2792

Re: Planning Washington DC Sightseeing

I see people are mentioning the cafeteria at the American Indian Museum. The food is good, but I find it scandalously expensive considering it's a cafeteria. So if you go just be prepared to hold back some tears of shock and pain when you pay. The same goes for all of the museums though. Best to br...
by VictoriaF
Thu Apr 09, 2015 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 2792

Re: Mailing tax returns

Still it feels odd not to be trekking to the PO in mid April. I do sort of identify with Victoria's emotional attachment to the tax returns she worked so hard on. There is something resonant about the ritual of the PO experience. But most of all, I miss the annual ritual of sitting down with my hus...
by VictoriaF
Thu Apr 09, 2015 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mailing tax returns
Replies: 56
Views: 3594

Re: Am I part of the problem??

cherijoh wrote:
ShiftF5 wrote:Rick Ferrys story is a good place to start.


Did you mean Rick Ferri?


Ferris Bueller?

Victoria
by VictoriaF
Thu Apr 09, 2015 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 8476

Re: Am I part of the problem??

Tim, if you want to keep your job, I wouldn't post such things on the internet. What is every financial firm in the country gonna read this board, scour their rosters for every "Tim W" employee, and then interrogate them until they figure out if the person who posted this is one of theirs...
by VictoriaF
Thu Apr 09, 2015 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 8476

Re: Planning Washington DC Sightseeing

If you are into spying, go to the Spy Museum and on Spy Walking Tours . I recently attended a 4-lecture series "Fifty Shades of Espionage" about spies (mostly Russians) who used their sexual prowess to do business. The lectures were excellent and I will attend more when I have time. The ne...
by VictoriaF
Thu Apr 09, 2015 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 2792

Re: Am I part of the problem??

Tim, if you want to keep your job, I wouldn't post such things on the internet. What is every financial firm in the country gonna read this board, scour their rosters for every "Tim W" employee, and then interrogate them until they figure out if the person who posted this is one of theirs...
by VictoriaF
Thu Apr 09, 2015 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 8476

Re: Cost of College & Weighing the Merits of Top Schools

I got two degrees from Ivy League colleges and while I loved every minute of it, I don't think they are worth it financially in most situations. If you want to pursue a very specific track (management consulting, BigLaw, hedge fund/private equity), I think the signalling effect of the name might be...
by VictoriaF
Thu Apr 09, 2015 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16479

Re: Planning Washington DC Sightseeing

Naismith wrote:When we go to DC with kids we stay here

https://www.hotel-harrington.com/


This is a really reasonably priced hotel. I have to remember it. Thanks!

Naismith wrote: One of my favorite things in DC: Lunch at the Museum of the American Indian.


I second this recommendation.

Victoria
by VictoriaF
Thu Apr 09, 2015 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 2792

Re: Am I part of the problem??

Does this make me some kind of hypocrite in the Boglehead world? I mean, aren't I building my wealth on the backs of suckers who haven't found Bogleheads yet? Work a bit longer and then write a book about the suckers and those who suck them dry. Something like Michael Lewis's Liar's Poker . Victoria
by VictoriaF
Thu Apr 09, 2015 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 8476

Re: Mailing tax returns

drawpoker wrote:Am curious why you paid extra to send them certified.


A cognitive bias. After I've spent an inordinate amount of time figuring out Part-Year taxes for two different States, I got emotionally attached to them.

Victoria
by VictoriaF
Thu Apr 09, 2015 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mailing tax returns
Replies: 56
Views: 3594

Mailing tax returns

With 111% of the Bogleheads filing taxes electronically I doubt anyone cares, but here is a bit of information just in case. I mailed my Federal, VA, and MD taxes on Monday, 6 April from Virginia. I used certified mail for about $3.50 per envelope. On the printed receipt I had tracking numbers for e...
by VictoriaF
Thu Apr 09, 2015 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mailing tax returns
Replies: 56
Views: 3594

Re: Cost of College & Weighing the Merits of Top Schools

I want to emphasize the geographic aspect, as I think it is often ignored. While the brand name of Harvard is exceptionally strong, and carries well across the country and across the world, I think you don't have to move too far down the ladder of prestige schools before a given school's prestige v...
by VictoriaF
Thu Apr 09, 2015 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16479

Re: Planning Washington DC Sightseeing

If you are interested in seeing DC, stay in DC Hotels in DC are expensive. Hotels.com: $369 nightly price Hyatt Regency Washington DC 400 New Jersey Ave NW Washington, DC, 20001 Washington Hostel : $29-$49 - dorm rooms $89-$119 - private rooms The hostel is centrally located. The price includes a c...
by VictoriaF
Thu Apr 09, 2015 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 2792

Re: Planning Washington DC Sightseeing

20 miles from the Union Station is a HUGE distance. You won't be driving these 20 miles at highway speeds. You will be sitting in traffic envious of pedestrians moving three times faster than you. If you are interested in seeing DC, stay in DC. By the way, the peak bloom of the Cherry Trees is predi...
by VictoriaF
Thu Apr 09, 2015 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 2792

Re: Tree roots growing into sewer lines

protagonist wrote:I got two estimates for reaming so far- a recommended drain guy quoted $190/hr (?!...divorce lawyers charge less than that!)


Here is another idea: Hire a divorce lawyer to divorce your tree, no roots attached.

Victoria
by VictoriaF
Thu Apr 09, 2015 9:31 am
 
Forum: Personal Consumer Issues
Topic: Tree roots growing into sewer lines
Replies: 41
Views: 1808

Re: Funny security question for Credit Report and SSA.gov

mlipps wrote:True Bogle heads don't have cars worthy of posting on Facebook Victoria.


True Bogleheads brag about their 25-year old cars in the Bogleheads Forum, mlipps.

Victoria
by VictoriaF
Thu Apr 09, 2015 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Funny security question for Credit Report and SSA.gov
Replies: 14
Views: 1323

Re: Funny security question for Credit Report and SSA.gov

mhc wrote:
MossySF wrote:
sharpjm wrote:Ferrari 512 TR/M
Ferrari F40
Toyota Corolla
Ferrari 512
None of the Above/Does not apply"

Anyone guessing has a 50/50 chance to guess this right.


Wouldn't that be a 33% chance instead?


There are 5 choices, so probably 40%.


Your Facebook friends would have a much higher chance.

Victoria
by VictoriaF
Thu Apr 09, 2015 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Funny security question for Credit Report and SSA.gov
Replies: 14
Views: 1323

Re: Cloud Storage

Thank you, Patrick. This got me interested and the first search result on Google suggests that at least some security experts think that a workaround against current encryption is nearing: http://www.computerworld.com/article/2511969/security0/the-clock-is-ticking-on-encryption.html Here is a more ...
by VictoriaF
Thu Apr 09, 2015 7:59 am
 
Forum: Personal Consumer Issues
Topic: Cloud Storage
Replies: 44
Views: 4409

Re: TradingPlaces' advice on travel awards

Thank you, TradingPlaces, At this time I have my booking and am pleased with it. For 70,000 miles I will have free flights for three weeks in Germany and a week and a half in S. Korea. Both Berlin and Seoul were planned 2015 trips and the miles provided me with significant cash savings. To reduce f...
by VictoriaF
Thu Apr 09, 2015 7:21 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 214
Views: 48275

Re: TradingPlaces' advice on travel awards

Thank you, TradingPlaces, At this time I have my booking and am pleased with it. For 70,000 miles I will have free flights for three weeks in Germany and a week and a half in S. Korea. Both Berlin and Seoul were planned 2015 trips and the miles provided me with significant cash savings. To reduce fu...
by VictoriaF
Thu Apr 09, 2015 7:07 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 214
Views: 48275

Re: Cost of College & Weighing the Merits of Top Schools

My son's classmate Sataya Nadella is proof you got to have that HYPS cache. Nadella's first degree is from an Indian Institute of Technology, an MIT equivalent. His third degree is an MBA from University of Chicago. Victoria Not to take anything away from Satya Nadella. But his undergrad degree is ...
by VictoriaF
Wed Apr 08, 2015 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16479

Re: Cloud Storage

It is highly unlikely that the thief would have the ability to crack that ...not so unlikely for the cyber-hacker. Here are contrary scenarios: 1. The thief is a cyber-hacker. Identity thieves used to do dumpster diving. Fiddling with stolen computers is more dignifying. 2. The thief has a cyber-ha...
by VictoriaF
Wed Apr 08, 2015 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Cloud Storage
Replies: 44
Views: 4409

Re: Sell in May and go away

In an excellent book The Hour Between Dog and Wolf , John Coates notes that the Wall Street traders commonly take vacations in August and unload their positions at the end of July. If the mortals are selling in May, it must be a good buying opportunity; the traders may have perpetuated the May myth....
by VictoriaF
Wed Apr 08, 2015 7:06 pm
 
Forum: Investing - Theory, News & General
Topic: Sell in May and go away
Replies: 15
Views: 3329

Re: Cost of College & Weighing the Merits of Top Schools

bstevlin wrote:My son's classmate Sataya Nadella is proof you got to have that HYPS cache.


Nadella's first degree is from an Indian Institute of Technology, an MIT equivalent. His third degree is an MBA from University of Chicago.

Victoria
by VictoriaF
Wed Apr 08, 2015 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16479

Re: Cloud Storage

I am curious about something. Even if you encrypt a file and send it into the cloud, what is the estimated protective duration of this encryption? Surely it isn't forever? Let's assume we all have something we want to stay private. Like Leeraar's genealogical data, Livesoft's oatmeal recipe, Victor...
by VictoriaF
Wed Apr 08, 2015 5:40 pm
 
Forum: Personal Consumer Issues
Topic: Cloud Storage
Replies: 44
Views: 4409

Re: Cost of College & Weighing the Merits of Top Schools

MnD wrote:Did you attend HYPS? If not has it resulted in a substandard life outcome?


My first degree was from the Soviet Union, for the MSME I went to a flagship state school. My daughter went to Stanford. The difference between our schools was significant enough for me to favor HYPS.

Victoria
by VictoriaF
Wed Apr 08, 2015 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16479

Re: Tax paid to wrong state: What recourse?

My issue is with the work compensation that comes from my Agency's accounting rather than OPM. I suppose that is salary from the Agency, not OPM. Yes, that is a big difference. My VSIP incentive statement is composed similarly to my paychecks, including OASDI and Medicare withholdings. A major exce...
by VictoriaF
Wed Apr 08, 2015 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax paid to wrong state: What recourse?
Replies: 13
Views: 838
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