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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: 128
Views: 7372

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: 128
Views: 7372

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: 94
Views: 6147

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: 94
Views: 6147

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: 94
Views: 6147

Re: What is your favorite consumer product?

If your wife runs out (pun) of New Balance it could be unbalancing (pun). She has two options: 1. Find her favorite shoes on Amazon.com (or another web marketplace) and buy enough for the next 20-30 years. 2. Start researching other shoes for suitability. If you go with option-1 please post an upda...
by VictoriaF
Thu Feb 26, 2015 1:36 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 141
Views: 7844

Re: Aging Populations and Stock/Bond Market Returns

My interpretation of that is that the world is headed towards a long period of inverted population distribution, followed by an overall decline in population. The latter is good for the environment, but will have unpredictable effects on the economy. I am skeptical of tying a healthy economy to the...
by VictoriaF
Thu Feb 26, 2015 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Aging Populations and Stock/Bond Market Returns
Replies: 12
Views: 1172

Re: What is your favorite consumer product?

My wife likes New Balance running shoes. When she heard that they were discontinuing her favorite model, she went online and found 42 pairs. Some remain, but they don't last forever even unused, so I guess she'll have to find some other model. http://i61.tinypic.com/33p4ndx.jpg There are fewer pair...
by VictoriaF
Thu Feb 26, 2015 1:01 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 141
Views: 7844

Re: What are Costco's best deals?

Bustoff wrote:
VictoriaF wrote:(Would not touch hot dogs or soda with a ten-foot poll.)

You might after a long day on the el Camino and no ten-foot pole. :happy


The likelihood of that is even lower than the likelihood of finding a Costco on el Camino.

Victoria
by VictoriaF
Thu Feb 26, 2015 12:53 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 94
Views: 6147

Re: Is it actually impossible to time market crashes?

Alan Greenspan has famously called the dot-com bubble crash in December 1996. The most useful outcome of his warning was that the expression "irrational exuberance" has entered the lexicon of people who otherwise limit themselves to two-syllable words.

Victoria
by VictoriaF
Thu Feb 26, 2015 10:42 am
 
Forum: Investing - Theory, News & General
Topic: Is it actually impossible to time market crashes?
Replies: 56
Views: 2608

Re: Aging Populations and Stock/Bond Market Returns

In 2012, Rob Arnott and Denis Chaves of Research Affiliates published perhaps the largest study ever conducted on the effect on stock and bond returns from changes in the age distribution of populations worldwide. They used 60 years of historical data across more than 100 countries to see what effe...
by VictoriaF
Thu Feb 26, 2015 9:07 am
 
Forum: Investing - Theory, News & General
Topic: Aging Populations and Stock/Bond Market Returns
Replies: 12
Views: 1172

Re: How do you plan on spending your time during retirement?

Ok Victoria. Please let me add the following activities, when time permits : learning more about personal finance, switching from playing my classic guitar to my new electric guitar, and visiting my homeland in Europe. I am also a movie fan, would like to learn how to cook, as well as learn more ab...
by VictoriaF
Wed Feb 25, 2015 8:31 pm
 
Forum: Personal Consumer Issues
Topic: How do you plan on spending your time during retirement?
Replies: 43
Views: 2921

Re: What are Costco's best deals?

On one extremely busy day, at rush hour, when it took me 20 minutes to park, the cashier only scanned one of the 3 small packs of lamb that I had put inside one freezer bag. I noticed, but was just in too bad of a mood to say anything. The guy at the door didn't notice either. I think I got $30 wor...
by VictoriaF
Wed Feb 25, 2015 8:29 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 94
Views: 6147

Re: Credit Card Rewards (Travel)

Thank you, Drew! I have received an offer of 25,000 Starpoints from SPG as follows: • 10,000 Starpoints after your first purchase on the Card • 15,000 Starpoints after you use your new Card to make $5,000 in purchases within the first 6 months Is this a good offer, or should I wait for something be...
by VictoriaF
Wed Feb 25, 2015 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 57
Views: 3163

Re: Credit Card Rewards (Travel)

2stepsbehind wrote:The conventional wisdom is to keep the cards open for at least six months to mitigate the likelihood of adverse action.


Will do. Thank you again,

Victoria
by VictoriaF
Wed Feb 25, 2015 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 57
Views: 3163

Re: Is it actually impossible to time market crashes?

For example I always hear about how people avoided the 2008 crash You just reminded me of a 20/20 show. It was convicted scam artists telling their story. I thought one guy was smarter than the average bear. He posed as a stock broker. He called 100 people and told them the stock market was going D...
by VictoriaF
Wed Feb 25, 2015 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: Is it actually impossible to time market crashes?
Replies: 56
Views: 2608

Re: Credit Card Rewards (Travel)

Here are the rules on Citi applications: Maximum of one Citi application per 8 day period No more than 2 applications per 65 day period No more than one business application per 95 day period Not all Citi cards allow you to get the signup bonus multiple times, but some do. However, their language s...
by VictoriaF
Wed Feb 25, 2015 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 57
Views: 3163

Re: Credit Card Rewards (Travel)

Back in the day you were able to book a round the world flight up to 25,000 miles in biz for 150,000 aa miles, and last year they were giving out 100k per sign up.(citi allows two every 65 days). I recently got two Citi AA cards, Personal and Business, with 50k bonuses for each. Are you saying that...
by VictoriaF
Wed Feb 25, 2015 12:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 57
Views: 3163

Re: Credit Card Rewards (Travel)

Thank you, Drew! I have received an offer of 25,000 Starpoints from SPG as follows: • 10,000 Starpoints after your first purchase on the Card • 15,000 Starpoints after you use your new Card to make $5,000 in purchases within the first 6 months Is this a good offer, or should I wait for something be...
by VictoriaF
Wed Feb 25, 2015 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 57
Views: 3163

Re: Why does Vanguard sell anything other than SP500 Index f

RunningRad wrote:Because investors want other products.


What's more, investors want to have all or most of their products with the same custodian.

Victoria
by VictoriaF
Wed Feb 25, 2015 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard sell anything other than SP500 Index fund?
Replies: 18
Views: 1716

Re: Credit Card Rewards (Travel)

Some cards like AmEx only offer the bonus once in a lifetime and will only give you the difference if you signup again for a larger bonus. Does this limit apply only to the cards received directly from American Express? If I get an SPG card from AmEx, would it preclude me from getting other AmEx ca...
by VictoriaF
Wed Feb 25, 2015 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 57
Views: 3163

Re: Is it actually impossible to time market crashes?

I don't mean in the sense of an imminent impending bubble burst, but rather what is going on in the world of 'school lending' as it were. Student lending is a concern, but to cause a market crash it has to affect a large sector of stocks or cause a chain reaction fueled by fear. The last recession ...
by VictoriaF
Wed Feb 25, 2015 11:40 am
 
Forum: Investing - Theory, News & General
Topic: Is it actually impossible to time market crashes?
Replies: 56
Views: 2608

Re: Credit Card Rewards (Travel)

Some cards like AmEx only offer the bonus once in a lifetime and will only give you the difference if you signup again for a larger bonus. Does this limit apply only to the cards received directly from American Express? If I get an SPG card from AmEx, would it preclude me from getting other AmEx ca...
by VictoriaF
Wed Feb 25, 2015 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 57
Views: 3163

Re: Why does Vanguard sell anything other than SP500 Index f

1. Jack Bogle recommends TSM (Total Stock Market) over S&P500. 2. Some investors want to have international stock exposure. 3. Some investors don't want to take all their risks with equity investments and get Vanguard's bond and TIPS funds. 4. Some investors are buying Vanguard's state-specific ...
by VictoriaF
Wed Feb 25, 2015 11:12 am
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard sell anything other than SP500 Index fund?
Replies: 18
Views: 1716

Re: Is it actually impossible to time market crashes?

You can't time future crashes and recoveries. You can easily identify right courses of action in the past . Also, it's easier to focus on the instances of good luck, because those who were fortunate like to remind you about it and present it as evidence of their mastery. Bad guesses are expunged fro...
by VictoriaF
Wed Feb 25, 2015 10:56 am
 
Forum: Investing - Theory, News & General
Topic: Is it actually impossible to time market crashes?
Replies: 56
Views: 2608

Re: What are Costco's best deals?

S.Pellegrino, Italian mineral water.
Avocados
Frozen broccoli
1-lb packages of organic salads
Organic chicken (frozen)
Organic eggs
Organic olive oil
Walnuts
Chia seeds (when they have them)
Some vitamins

(Would not touch hot dogs or soda with a ten-foot poll.)

Victoria
by VictoriaF
Wed Feb 25, 2015 10:27 am
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 94
Views: 6147

Re: What are Costco's best deals?

BW1985 wrote:Chia seeds


The last two times I was at my local Costco they did not have Chia. I hope it's a temporary shortage.

Victoria
by VictoriaF
Wed Feb 25, 2015 10:01 am
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 94
Views: 6147

Re: How do you plan on spending your time during retirement?

As mentioned a few times in other posts, I plan to setup and run more free clinics and orphanages in developing countries. See some patients on a part time basis when back in the US. I cannot imagine doing anything else with my life, it is simply what I was born to do. See my signature. :happy My f...
by VictoriaF
Wed Feb 25, 2015 8:57 am
 
Forum: Personal Consumer Issues
Topic: How do you plan on spending your time during retirement?
Replies: 43
Views: 2921

Re: Value investing doesn't even beat the S&P 500

The Buttonwood column in the latest Economist (21 Feb 2015) is relevant to this discussion. It starts with a hypothetical wager: For the next ten weeks I will tell you if the price of a stock would go up or down. If I am right all ten times, you will trust my investing acumen and invest with me. On ...
by VictoriaF
Wed Feb 25, 2015 8:32 am
 
Forum: Investing - Theory, News & General
Topic: Value investing doesn't even beat the S&P 500
Replies: 45
Views: 4135

Re: Value investing doesn't even beat the S&P 500

The interesting question is whether we are behaviorally capable of staying the course through simple will power. The willpower research has shown that a concept of people having or not having will power is a wrong model. Willpower is a finite resource that is depleted with use. Not only willpower i...
by VictoriaF
Wed Feb 25, 2015 7:52 am
 
Forum: Investing - Theory, News & General
Topic: Value investing doesn't even beat the S&P 500
Replies: 45
Views: 4135

Re: Value investing doesn't even beat the S&P 500

The interesting question is whether we are behaviorally capable of staying the course through simple will power. The willpower research has shown that a concept of people having or not having will power is a wrong model. Willpower is a finite resource that is depleted with use. Not only willpower i...
by VictoriaF
Tue Feb 24, 2015 6:55 pm
 
Forum: Investing - Theory, News & General
Topic: Value investing doesn't even beat the S&P 500
Replies: 45
Views: 4135

Re: Value investing doesn't even beat the S&P 500

The interesting question is whether we are behaviorally capable of staying the course through simple will power. The willpower research has shown that a concept of people having or not having will power is a wrong model. Willpower is a finite resource that is depleted with use. Not only willpower i...
by VictoriaF
Tue Feb 24, 2015 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: Value investing doesn't even beat the S&P 500
Replies: 45
Views: 4135

Re: Who's going to Disney this summer?

I have not been to Disney for many years. From what I remember about it, it's an excellent place for a family vacation. Even with the price increase, it's cheaper than spending a holiday in a major city in the U.S. or abroad. It's an active vacation, in contrast with resorts and cruises. And the Dis...
by VictoriaF
Tue Feb 24, 2015 11:15 am
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 31
Views: 1916

Re: How much has Bogleheads contributed to your net worth?

malabargold wrote:Undoubtedly it has helped lots of people, but why isn't the possibility of a negative impact listed?


The last option in the pole is "Bogleheads has reduced my net worth" and, so far, four people have selected it.

Victoria
by VictoriaF
Tue Feb 24, 2015 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: How much has Bogleheads contributed to your net worth?
Replies: 58
Views: 4015

Re: How do you plan on spending your time during retirement?

flyingaway wrote:Travel is my number one thing to do in retirement. I plan to visit all possible countries before I die.


Check out a book The Happiness of Pursuit by Chris Guillebeau in which he describes how he has visited all countries by the age of 35.

Victoria
by VictoriaF
Tue Feb 24, 2015 9:17 am
 
Forum: Personal Consumer Issues
Topic: How do you plan on spending your time during retirement?
Replies: 43
Views: 2921

Re: Do you watch commercials?

The reason I've tried to find so hard to find Tversky's comment is because if I've remembered it correctly, it could also apply to how some financial advisers have learned to turn BE into behavioral finance for their own benefit and not always their clients. In other words, what you have written ab...
by VictoriaF
Mon Feb 23, 2015 10:45 pm
 
Forum: Personal Consumer Issues
Topic: Do you watch commercials?
Replies: 42
Views: 1784

Re: Help! I can't afford to eat on my South Beach vacation

Swampy wrote:One word:

Publix


This will work if OP's friends also want to save on their meals.

Victoria
by VictoriaF
Mon Feb 23, 2015 8:37 pm
 
Forum: Personal Consumer Issues
Topic: Help! I can't afford to eat on my South Beach vacation
Replies: 59
Views: 4517

Re: How do you plan on spending your time during retirement?

jrtexas wrote:How is the Antarctica hitchiking working out?


That's a plan for the next winter. I started a Bogleheads thread about this.

Victoria
by VictoriaF
Mon Feb 23, 2015 8:25 pm
 
Forum: Personal Consumer Issues
Topic: How do you plan on spending your time during retirement?
Replies: 43
Views: 2921

Re: How do you plan on spending your time during retirement?

1. Travel - On the night of my last day in the office I flew to the UK, to Windsor and then London. Shortly after my return, I attended the Bogleheads conference (BH13) and then flew to Chicago. - For 2015 I am planning trips to Spain (el Camino de Santiago), Louisville KY, Berlin, Seoul, Novy Sad (...
by VictoriaF
Mon Feb 23, 2015 8:06 pm
 
Forum: Personal Consumer Issues
Topic: How do you plan on spending your time during retirement?
Replies: 43
Views: 2921

Re: Do you watch commercials?

I try reasonably hard to avoid them. By the way, it's not a new thing. It always amazes me when people wax nostalgic over "Mickey Mouse Club." That show ran for a half an hour and contained not quite but almost 15 minutes of commercial breaks. I regret to say that commercials influence me...
by VictoriaF
Mon Feb 23, 2015 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Do you watch commercials?
Replies: 42
Views: 1784

Re: What Book Are You Currently Reading? Part VI

Even if the quality of food does not improve, when people face fewer options they are more likely to get engaged. This is quintessential behavioral economics, in contrast with standard economics where having more choices is always better. One of the most important related findings is that when a 40...
by VictoriaF
Mon Feb 23, 2015 7:15 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 503
Views: 67227

Re: Stressed at work, want to job hop.

Do NOT mention: - being stressed and overwhelmed with work - the manager holding your back DO emphasize: - your ambitions - your value, the skills and knowledge you bring to the table If you are interviewed for another position within the same company, say that after 10 months you have learned a lot...
by VictoriaF
Mon Feb 23, 2015 1:55 pm
 
Forum: Personal Consumer Issues
Topic: Stressed at work, want to job hop.
Replies: 3
Views: 871

Re: How much has Bogleheads contributed to your net worth?

If Jack Bogle is a Boglehead then over 50%. Without him, we would not have had Vanguard low-cost index funds.

Victoria
by VictoriaF
Mon Feb 23, 2015 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much has Bogleheads contributed to your net worth?
Replies: 58
Views: 4015

Re: why do some people like Fidelity?

Investing is all about the product (funds) I am buying and achieving my goals. I thought people would be bragging about Fidelity's fund line-up or financial plans. I constantly read about 1) Great website and 2) Excellent customer service. To me this sounds like "I'm buying this car because I ...
by VictoriaF
Mon Feb 23, 2015 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 6589

Re: Do you watch commercials?

I try reasonably hard to avoid them. By the way, it's not a new thing. It always amazes me when people wax nostalgic over "Mickey Mouse Club." That show ran for a half an hour and contained not quite but almost 15 minutes of commercial breaks. I regret to say that commercials influence me...
by VictoriaF
Mon Feb 23, 2015 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Do you watch commercials?
Replies: 42
Views: 1784

Re: Retirement - Surprises, Solutions

1. Money Before I retired, I was thinking a lot about money, specifically: 1. Can I be sure that I have enough? 2. Will I regret not making more money? (I had a secure well-paying job.) After I retired, these thoughts have disappeared. My current financial situation is a "given," and I ha...
by VictoriaF
Mon Feb 23, 2015 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Retirement - Surprises, Solutions
Replies: 8
Views: 1204

Re: Credit Card Rewards (Travel)

I am still learning this game. My principles at this time are: 1. Apply for new cards for the initial bonuses rather than ongoing cash back. 2. Cancel cards at the end of the first fee-free year. 3. Use the rewards for the Economy travel. ...- I do not care about more comfortable flights. ...- I do ...
by VictoriaF
Mon Feb 23, 2015 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 57
Views: 3163

Re: why do some people like Fidelity?

5. Because it is 2/20/15, and I have all the Fidelity paperwork I need to do my taxes. I also do taxes for family members, and the Vanguard brokerage account tax docs are not yet posted, so I cannot complete the taxes of my family members with Vanguard accounts. I think most people here don't use F...
by VictoriaF
Mon Feb 23, 2015 11:32 am
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 6589

Re: LED light bulbs: on line shopping destination

I have been using the light bulbs that were in my apartment when I moved in. Now, they started dying and I have to replace them. Conditions and Requirements: 1. I am renting. 2. All lights are indoors. 3. Ceiling fixtures have a relatively narrow space for the bulbs (some CFL bulbs I've purchased di...
by VictoriaF
Mon Feb 23, 2015 11:17 am
 
Forum: Personal Consumer Issues
Topic: LED light bulbs: on line shopping destination
Replies: 18
Views: 1988
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