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by VictoriaF
Fri May 29, 2015 5:11 pm
Forum: Personal Consumer Issues
Topic: Behavioral finance and restaurants
Replies: 50
Views: 2586

Re: Behavioral finance and restaurants

excellent, we are waiting for your trip review with photographs, and your restaurant reviews. I don´t have a camera with me or any other eletronics except a digital watch. My message above is the entire restaurant review I am capable of. As for my other notes, they revolve around the topic of Behav...
by VictoriaF
Fri May 29, 2015 5:02 pm
Forum: Personal Consumer Issues
Topic: Behavioral finance and restaurants
Replies: 50
Views: 2586

Re: Behavioral finance and restaurants

Maybe the answer to this is a bit of whether you eat to live or live to eat. :happy I eat to live and don´t care about restaurants unless they are truly special. Normally, I would not spend much time getting to a restaurant, but when I am at a restaurant I don´t mind waiting for my food. For me the...
by VictoriaF
Fri May 29, 2015 4:54 pm
Forum: Personal Consumer Issues
Topic: Time Management
Replies: 9
Views: 1117

Re: Time Management

For procrastination, the only resource I found useful were the blogs and book by Tim Pychyl, a professor who studies the problem to share with college students: http://iprocrastinate.libsyn.com/webpage/category/podcasts You can Subscribe to the iProcrastinate podcasts on the Apple Store to listen o...
by VictoriaF
Fri May 29, 2015 4:48 pm
Forum: Personal Consumer Issues
Topic: Retirement and Proximity to "Teaching Hospitals"
Replies: 16
Views: 1712

Re: Retirement and Proximity to "Teaching Hospitals"

When I moved to the Washington area I assumed that a teaching hospital is better than a regular one and chose my primary care physician at the GWU Medical Faculty Associates. My initial PCP has retired and passed me to another one. I like both of them as people but can´t judge their professional qua...
by VictoriaF
Fri May 29, 2015 4:33 pm
Forum: Personal Consumer Issues
Topic: Day trips from Berlin?
Replies: 32
Views: 1968

Re: Day trips from Berlin?

Potsdam is very nice. Dresden also would be very interesting - to see the reconstruction of the baroque city and Cathedral. ... For sightseeing per se Potsdam or Dresden would be better. I will be in Germany for three weeks in August, including about ten days in Berlin. Some Germans I´ve met on the...
by VictoriaF
Fri May 29, 2015 4:19 pm
Forum: Personal Consumer Issues
Topic: Behavioral finance and restaurants
Replies: 50
Views: 2586

Re: Behavioral finance and restaurants

Maybe the answer to this is a bit of whether you eat to live or live to eat. :happy I eat to live and don´t care about restaurants unless they are truly special. Normally, I would not spend much time getting to a restaurant, but when I am at a restaurant I don´t mind waiting for my food. For me the...
by VictoriaF
Fri May 29, 2015 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Tax paid to wrong state: What recourse?
Replies: 15
Views: 1272

Re: Tax paid to wrong state: What recourse?

Update: I got an email from OPM saying the $800 withheld for my previous state would be refunded. It appeared in my checking account this week. :D Thank you for the update. I will not have access to my personal email until mid June. At that time, I will face surprises of various kinds. Victoria
by VictoriaF
Fri May 29, 2015 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Managing finances in old age
Replies: 6
Views: 529

Re: Managing finances in old age

One approach is shifting from assets to income. When you receive Social Security and other annuities, it´s more difficult to defraud you.

Victoria
by VictoriaF
Fri May 29, 2015 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 173
Views: 20860

Re: much ado about coasting (through life)

I'd be hard pressed to say that a monk's life is less productive than the one led for example, by Steve Jobs. I have met many monks and nuns in the past few weeks and developed an enormous respect for them. When people do well, they use their iPhones. When people need a refuge, they rely on monks a...
by VictoriaF
Fri May 29, 2015 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 173
Views: 20860

Re: much ado about coasting (through life)

truenorth418 and Barefootgirl, Thank you for the congratulations. As you can see, my ¨incommunicado¨ status went only so far. As soon as I got to a relatively permanent location with an Internet connection I am back online. Hopefully, I will use it less than in the past. I made many observations dur...
by VictoriaF
Fri May 29, 2015 6:06 am
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 173
Views: 20860

Re: much ado about coasting (through life)

I´ve now read this entire thread. It´s very interesting, with many excellent comments. Here is my small contribution. I have finished el Camino on the 27th of May, and now I am coasting in Santiago de Compostela. I was going to walk to Finisterre but changed my mind. I am staying in a monastic room ...
by VictoriaF
Sun May 24, 2015 3:15 am
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 173
Views: 20860

Re: much ado about coasting (through life)

However, virtually no one I know, even today (I'm now 63), has the time to do things with me. Hi Ray, I picked this thread almost in random before moving on (my paid Internet connection will expire in a few minutes). I think you should check out the Camino. Here I encounter many like minded people ...
by VictoriaF
Sun May 24, 2015 3:05 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 77
Views: 8369

Re: Roll Call for the Retirement Class of 2015!

Class of 2015 as of 24 May 2015: 05 Jun - Dolphin1 <-- Congratulations with finalizing the date! 30 Jun - beltonr xx Jul - laughlinlvr 01 Sep - obgyn65 30 Sep - midmoder 08 Oct - cadreamer2015 <-- Welcome to the Class! 18 Dec - cinghiale 31 Dec - Nearing_Destination 31 Dec - Snapper (68) Have gradu...
by VictoriaF
Mon May 11, 2015 7:22 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 77
Views: 8369

Re: Roll Call for the Retirement Class of 2015!

Class of 2015 as of 11 May 2015: 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) 30 Jan - VTX...
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: 77
Views: 8369

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 11:05 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 77
Views: 8369

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 11:01 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 77
Views: 8369

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
Sun Apr 12, 2015 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 12890

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 8:51 am
Forum: Personal Consumer Issues
Topic: protecting passport from damage
Replies: 23
Views: 1672

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 8:39 am
Forum: Personal Consumer Issues
Topic: protecting passport from damage
Replies: 23
Views: 1672

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 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 17623

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
Sat Apr 11, 2015 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Mailing tax returns
Replies: 56
Views: 3963

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 2:58 pm
Forum: Personal Consumer Issues
Topic: protecting passport from damage
Replies: 23
Views: 1672

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 1:32 pm
Forum: Personal Consumer Issues
Topic: Best fish oil/omega-3 supplement?
Replies: 18
Views: 1278

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 12:14 pm
Forum: Personal Consumer Issues
Topic: Best fish oil/omega-3 supplement?
Replies: 18
Views: 1278

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 11:53 am
Forum: Investing - Theory, News & General
Topic: GE stock up 11% on Friday.
Replies: 19
Views: 2212

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 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 17623

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 11:07 am
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 5377

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 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Getting married-do I really need a will?
Replies: 26
Views: 2085

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: 2085

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 6:47 am
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 51
Views: 3946

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 6:30 am
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5315

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 6:19 am
Forum: Personal Consumer Issues
Topic: Car maintenance/time to change car?
Replies: 27
Views: 2502

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 6:09 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 745
Views: 107956

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
Fri Apr 10, 2015 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 8984

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
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: 17623

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 8:01 pm
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 3022

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 7:49 pm
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 3022

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 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Mailing tax returns
Replies: 56
Views: 3963

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 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 8984

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 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 8984

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 4:53 pm
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 3022

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 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 8984

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 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 17623

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 2:31 pm
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 3022

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 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 8984

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 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Mailing tax returns
Replies: 56
Views: 3963

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 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Mailing tax returns
Replies: 56
Views: 3963

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 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 17623

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 12:31 pm
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 3022

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...

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