Search found 15887 matches

by VictoriaF
Thu Feb 23, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card: Cash versus Flight Miles
Replies: 20
Views: 821

Re: Credit card: Cash versus Flight Miles

If you fly during peak season or unplanned, use milage. If you can plan ahead, you can always find cheap ticket with cash. It depends. When I was planning an off-season trip to the Czech Republic award tickets were cheaper than cash tickets. When I was planning a peak-season trip to France and Spai...
by VictoriaF
Thu Feb 23, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card limits
Replies: 5
Views: 180

Re: Credit card limits

My approach is different for the cards I keep and the cards I get for a limited amount of time. I have several cards without annual fee which I plan to keep indefinitely. For these cards, I have contacted issuing banks to reduce my credit limit to relatively small amounts. I did so for two reasons: ...
by VictoriaF
Thu Feb 23, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1173
Views: 145131

Re: What's Your Credit Card Rewards Strategy?

Heads up! I have just read a cautionary tale in Million Mile Secrets, http://millionmilesecrets.com/2017/02/21/cancel-recurring-payment/ A guy has canceled a credit card but forgot to transfer a recurring payment to another card. The payee charged the card several months after it was closed, the cha...
by VictoriaF
Thu Feb 23, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Does anyone else have (possibly too much) fun dealing with finances?
Replies: 52
Views: 3103

Re: Does anyone else have (possibly too much) fun dealing with finances?

I enjoy doing my taxes by hand each year and look forward to the arrival of all my forms. 'Nuf said. My girlfriend, also a Boglehead, thinks I'm nuts but appreciates my willingness to take care of the tax and regulatory minutia that can't be set once and run on autopilot. :mrgreen: I don't think yo...
by VictoriaF
Thu Feb 23, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Credit card: Cash versus Flight Miles
Replies: 20
Views: 821

Re: Credit card: Cash versus Flight Miles

I fly economy both domestically and internationally. Here are two examples of how credit cards/points/miles work for me. 1. Sign-up bonus Let's assume there is a Chase card that requires $5,000 spending in return for a 60,000 Ultimate Rewards (UR) points. Let's further assume that I don't have norma...
by VictoriaF
Wed Feb 22, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 54
Views: 2518

Re: BH thoughts on Time shares

My thoughts on time shares are similar to my thoughts on sexual slavery. Beautiful Russian girls are lured abroad by promises to become models, but once they commit they are done for. You are being lured by the time share models, but once you commit your money are done for. Victoria P.S. The express...
by VictoriaF
Wed Feb 22, 2017 10:26 pm
Forum: Personal Consumer Issues
Topic: Does anyone else have (possibly too much) fun dealing with finances?
Replies: 52
Views: 3103

Re: Does anyone else have (possibly too much) fun dealing with finances?

I enjoy doing my taxes by hand each year and look forward to the arrival of all my forms. 'Nuf said. My girlfriend, also a Boglehead, thinks I'm nuts but appreciates my willingness to take care of the tax and regulatory minutia that can't be set once and run on autopilot. :mrgreen: I don't think yo...
by VictoriaF
Wed Feb 22, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: Amazon Coupon Code [expired now]
Replies: 23
Views: 2248

Re: Amazon Coupon Code

I was actually joking a bit with the savings comment: I already transfer $1200/month to savings and $500/month (increasing later this year) to Vanguard. Great! But I still like your idea to explicitly dedicate the money not spent on bargains. Actually, to be honest, the realization I had was a remi...
by VictoriaF
Wed Feb 22, 2017 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: International or not - best & worse case
Replies: 2
Views: 320

Re: International or not - best & worse case

Good Listener, I suspect that the desire to invest internationally is affected by one's physical international exposure. Those who were born abroad, those whose extended families live abroad, and those who travel internationally are more likely to want foreign investments. Those who don't leave the ...
by VictoriaF
Wed Feb 22, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Amazon Coupon Code [expired now]
Replies: 23
Views: 2248

Re: Amazon Coupon Code

I love Amazon and have used them quite a lot over the years, but today's discount caused a stark realization for me. I know this is a good thing, as a dollar not spent is better than a dollar saved, but I've been racking my brain and have absolutely nothing I care to buy, even given the list of gif...
by VictoriaF
Wed Feb 22, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Amazon Coupon Code [expired now]
Replies: 23
Views: 2248

Re: Amazon Coupon Code

I picked up a Starbucks giftcard for a cool 17% off :) per slickdeals. ... $50 Wholefoods Gift Card $41.37 ... Thank you for pointing out an opportunity to buy gift cards and providing the list. I normally don't use gift cards and seldom patronize businesses you have listed. But Whole Foods is a no...
by VictoriaF
Wed Feb 22, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Amazon Coupon Code [expired now]
Replies: 23
Views: 2248

Re: Amazon Coupon Code

BIGTHANKS gets you $8.62 off on a order $50.00 or more today only. They are celebrating finishing first on a Harris Corporation Reputation Poll. Thank you for mentioning this. When I first logged in to Amazon today, I saw a message to this effect. But after surfed away, I could not find it again. I...
by VictoriaF
Wed Feb 22, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Does anyone else have (possibly too much) fun dealing with finances?
Replies: 52
Views: 3103

Re: Does anyone else have (possibly too much) fun dealing with finances?

I have conflicting feelings about hand-ling my finances. On one hand, I'd like to simplify them and manage them hands-off. But the other hand demands me to do something. The Bogleheads Forum has a hand in my second hand. My imperfect way of hand-ling these contradictions is to redirect my other hand...
by VictoriaF
Wed Feb 22, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2417
Views: 610139

Re: What Movie Have You Recently Watched?

Finding Babel Isaac Babel's writings are subversive masterpieces, challenging the ideology of the early Soviet Union and resulting in his arrest and execution in 1940. On the 75th anniversary of Babel's execution, Andrei Malaev-Babel went on a journey to visit places associated with his gransfather...
by VictoriaF
Tue Feb 21, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1173
Views: 145131

Re: What's Your Credit Card Rewards Strategy?

I've been wondering why charge card companies (Amex, Citi, Chase, etc.) actually do give bonuses for folks who churn. Take a look at a blog post I have linked earlier. It provides some explanations. An interesting article in The Points Guy Why US Credit Card Bonuses Are So High — And Why That May C...
by VictoriaF
Tue Feb 21, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1173
Views: 145131

Re: What's Your Credit Card Rewards Strategy?

I'd love to be wrong, but I don't see Chase / Citi / AMEX making general policies more lax. Maybe some targeted offers, but not general policies. Policies like 5/24 are not an issue for absolute majority of people, so there's really no reason to make the rules less restrictive. I think for the majo...
by VictoriaF
Tue Feb 21, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: What is a good laptop to buy?
Replies: 90
Views: 6761

Re: What is a good laptop to buy?

....I can buy a new Office, or I can get without it on the Latitude, but I am curious if there is a way to activate the Office 2010 that seems to have been associated with my laptop. Is there any way to find it out? Thank you, Victoria Hmm..I've never run across that. Any refurb-off lease machine I...
by VictoriaF
Tue Feb 21, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: What is a good laptop to buy?
Replies: 90
Views: 6761

Re: What is a good laptop to buy?

FWIW..for those following this discussion..if you just need a basic, reliable laptop, I continue to see local off-lease 6400 series Latitudes for less than $150..with Win10 and often with MS Office 2007, 2010..etc..loaded. I'm (still) running (as it won't die) a previous generation Latitude 830 tha...
by VictoriaF
Tue Feb 21, 2017 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Who would quit playing if they already won?
Replies: 106
Views: 10255

Re: Who would quit playing if they already won?

Thanks all for posts. Interesting I really thought out of the game was out of equities. I can now see how folks would see it otherwise. I do like the idea of laddered annuity after 70 gives me more time to procrastinate. Thanks again Wricha, may I make an unsolicited recommendation? Consider the cr...
by VictoriaF
Tue Feb 21, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: What is a good laptop to buy?
Replies: 90
Views: 6761

Re: What is a good laptop to buy?

If it were me, I'd look for a machine that was designed to run without issue for years. This will land you in the designed for megacorp business-laptop arena. The Latitude is one example of a business-enterprise-only laptop that has a long history of running hard for years without issues. Thank you...
by VictoriaF
Mon Feb 20, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: What is a good laptop to buy?
Replies: 90
Views: 6761

Re: What is a good laptop to buy?

You're quite welcome Victoria. Actually I was wondering how things were going. Sounds like you're on your way. I'd burn everything(new ram, windows updates, anything else you typically install, except your VR software..I assume) in for a week or two, using the machine for everything you can. Keep a...
by VictoriaF
Mon Feb 20, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: What is a good laptop to buy?
Replies: 90
Views: 6761

Re: What is a good laptop to buy?

Maxing out RAM is never a bad idea..I'd add a stick if you can.. That's my thinking, too. When the Latitude arrives, I will check if it has spare memory slots. I am much more comfortable changing memory on a laptop I have not started using yet than on a working one. Victoria What alfaspider says ab...
by VictoriaF
Mon Feb 20, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1173
Views: 145131

Re: What's Your Credit Card Rewards Strategy?

An interesting article in The Points Guy Why US Credit Card Bonuses Are So High — And Why That May Change reviews the reasons for the U.S. consumers getting higher sign-up bonuses than the rest of the world. It also provides explanations for the disappearance of the debit card bonuses.

Victoria
by VictoriaF
Mon Feb 20, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Re-applying for same job?
Replies: 16
Views: 1731

Re: Re-applying for same job?

Nyc10036, I have a few suggestions for you: 1. If you have acquired any new skills since you'd left this employer, send the hiring manager an email describing how your new skills can help his goals for the organization. 2. If you have a good friend in the company, invite him or her for lunch and try...
by VictoriaF
Mon Feb 20, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Amazon free shipment down to $35
Replies: 14
Views: 1998

Amazon free shipment down to $35

Amazon has reduced the minimum purchase qualifying for a free shipment from $49 to $35. According to https://www.amazon.com/gp/help/customer/display.html/ref=mk_sss_hucart/ref=ord_cart_shr?nodeId=527692 : Order with Free Shipping by Amazon All orders of $35 or more of eligible items across any produ...
by VictoriaF
Sun Feb 19, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2417
Views: 610139

Re: What Movie Have You Recently Watched?

House Blend wrote:A Taxing Woman.


I saw this film many years ago. I was struck by the contrast between how this woman was very nice and polite, and at the same time she was highly dedicated to and effective in her job which involved serious confrontations with other people.

Victoria
by VictoriaF
Sun Feb 19, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Who would quit playing if they already won?
Replies: 106
Views: 10255

Re: Who would quit playing if they already won?

I know it sounds crazy, but if you can cover your expenses over social security with 35% of your current portfolio value, why not just stick with what you have and if things go bad an your portfolio drops in value by 65%, buy the SPIA at that point? How are you calculating that 35% of your portfoli...
by VictoriaF
Sun Feb 19, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: The russians are hacking me
Replies: 35
Views: 4934

Re: The russians are hacking me

... Lay people and professionals were surveyed about their cyber hygiene. For the public the top three principles were: ... 2. Do not click on embedded links. ... What the public considers important and sufficient, professionals do routinely and focus on additional layers of defense. ... Bleeping C...
by VictoriaF
Sun Feb 19, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2144
Views: 582776

Re: What Book Are You Currently Reading? Part VI

" The Humor Code: A Global Search for What Makes Things Funny " by Peter McGraw and Joel Warner. I have just started reading it in order to prepare for my upcoming Standup Comedy course. As a pleasant surprise, the book has some behavioral economics connections. It turns out that McGraw ha...
by VictoriaF
Sun Feb 19, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Recommended books and resources to fully understand how the world stock market works.
Replies: 33
Views: 2049

Re: Recommended books and resources to fully understand how the world stock market works.

Instead of trying to understand how world stock markets work, you need to understand how they do NOT work. About 100 years ago some of the strongest stock markets were in Russia and Argentina. 50 years ago one of the most prosperous countries in the world was Lebanon. 25 years ago "Chinese stoc...
by VictoriaF
Sun Feb 19, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: economics of landlording
Replies: 46
Views: 3895

Re: economics of landlording

Do you need to be in landlordingm, Bobby? From what I know about you, you have other things to do. If you need to park extra cash, get I Bonds to delay taxes until a period of low income. Beyond I Bonds, look at CDs. For example, Andrews Federal Credit Union is now offering 3% CDs for 7 years. Play ...
by VictoriaF
Sun Feb 19, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Who would quit playing if they already won?
Replies: 106
Views: 10255

Re: Who would quit playing if they already won?

I know it sounds crazy, but if you can cover your expenses over social security with 35% of your current portfolio value, why not just stick with what you have and if things go bad an your portfolio drops in value by 65%, buy the SPIA at that point? How are you calculating that 35% of your portfoli...
by VictoriaF
Sun Feb 19, 2017 11:54 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 62
Views: 2518

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

Happy Birthday to Us
Happy Birthday to Us
Happy Birthday Dear Bogleheads
Happy Birthday to Us.

From good friends and true,
From old friends and new,
May good luck go with our crew,
And happiness too.

Victoria
by VictoriaF
Fri Feb 17, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Visiting the National Parks
Replies: 27
Views: 1366

Re: Visiting the National Parks

fourwheelcycle wrote:Colonial Williamsburg is not a national park, but it is a must see.


In the fall I will be attending a symposium at William & Mary, and I added 1.5 days to my stay to look around. It's nice to know that Colonial Williamsburg is on par with national parks.

Victoria
by VictoriaF
Fri Feb 17, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Visiting the National Parks
Replies: 27
Views: 1366

Re: Visiting the National Parks

insuredbyme wrote:Help, my wife wants to visit ALL of the National Parks.


Only U.S. National Parks? Or also Canadian National Parks?

Victoria
by VictoriaF
Fri Feb 17, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: The russians are hacking me
Replies: 35
Views: 4934

Re: The russians are hacking me

Wouldn't that be the Georgians, or more particularly, somebody in Tbilisi, Georgia? PJW Geography is a lost art. Actually, this may have more to do with the common language than the geography. The Russian cyber criminal rings are very powerful and include Russian speakers in Ukraine, Georgia, and o...
by VictoriaF
Fri Feb 17, 2017 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 3550

Re: Vanguard Web Site Down?

They are trying to fix the 48 cent IRA shortfall problem!! https://www.bogleheads.org/forum/viewtopic.php?f=1&t=211306 As they should. Recall Clifford Stoll's The Cuckoo's Egg: Tracking a Spy Through the Maze of Computer Espionage where trying to resolve a $0.75 accounting error has lead to unc...
by VictoriaF
Fri Feb 17, 2017 6:48 pm
Forum: Personal Consumer Issues
Topic: The russians are hacking me
Replies: 35
Views: 4934

Re: The russians are hacking me

Wouldn't that be the Georgians, or more particularly, somebody in Tbilisi, Georgia? PJW Geography is a lost art. Actually, this may have more to do with the common language than the geography. The Russian cyber criminal rings are very powerful and include Russian speakers in Ukraine, Georgia, and o...
by VictoriaF
Thu Feb 16, 2017 10:09 pm
Forum: Personal Consumer Issues
Topic: Best time for massage?
Replies: 15
Views: 1963

Re: Best time for massage?

As a person who has had massages only sporadically, you might find a 110 min. massage way too much. Is there an opportunity to have two hour-long ones? It's a good point, Margered, This is how the procedure is described: The Augustinian whole-body ritual … a unique ritual of the five elements … Exp...
by VictoriaF
Thu Feb 16, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards vs. Cash
Replies: 123
Views: 6362

Re: Credit cards vs. Cash

There's one thing I haven't seen anyone point out yet that I would like to propose: Perhaps this is only an issue in our current state of the world and that future generations will actually not have a difference. Also, what happens when cash is no longer a means of transaction. Places like Belgium ...
by VictoriaF
Thu Feb 16, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: Best time for massage?
Replies: 15
Views: 1963

Re: Best time for massage?

OK, I just spent the last 40 minutes rummaging around online and looking at both the Augustiniansky Dum web page and Trip Advisor. The place receives glowing reviews for all aspects of the stay: food, hospitality, facilities, staff, and value. Please post again once you have completed your stay, an...
by VictoriaF
Thu Feb 16, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: What's the secret to happiness?
Replies: 39
Views: 2568

Re: What's the secret to happiness?

http://theoatmeal.com/comics/unhappy So instead of seeking happiness, Oatmeal is looking to have a life that's: meaningful compelling tormented challenged interesting busy and beautiful That works for her I'm looking to include things in my life that I feel enthusiastic about Sorry if Oatmeal feels...
by VictoriaF
Thu Feb 16, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Money in the bank seems to lead to better life satisfaction
Replies: 9
Views: 1174

Re: Money in the bank seems to lead to better life satisfaction

I have plenty of cash. It's one of my applications of Taleb's anti-fragility concept.

Victoria
by VictoriaF
Thu Feb 16, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1173
Views: 145131

Re: What's Your Credit Card Rewards Strategy?

Maybe this is a dumb question (and maybe my though process is just influenced by the credit vs. cash thread) but how much of this points/miles chasing leads to money spent on trips and vacations that wouldn't have otherwise be spent, thus leading to a net loss despite the credit card rewards? This ...
by VictoriaF
Thu Feb 16, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: What's the secret to happiness?
Replies: 39
Views: 2568

Re: What's the secret to happiness?



Excellent! Thank you for referencing,

Victoria
by VictoriaF
Thu Feb 16, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: What's the secret to happiness?
Replies: 39
Views: 2568

Re: What's the secret to happiness?

I retired not "from" but "to." In other words, I did not retire because I wanted to leave my job, I retired because I wanted to do many things that I could not do while working. The threshold for my retirement was not a "number" but eligibility for medical insurance in ...
by VictoriaF
Thu Feb 16, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1173
Views: 145131

Re: What's Your Credit Card Rewards Strategy?

Just keep in mind you can't transfer directly from SPG to UA, only from Marriott to UA. Well, you CAN transfer from SPG to UA, just at a very poor rate. It can actually be a better deal transferring from Marriott anyway if you're transferring large quantities. You need to transfer at least 24k Marr...
by VictoriaF
Thu Feb 16, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1173
Views: 145131

Re: What's Your Credit Card Rewards Strategy?

Sanity check, please! I am about to apply for an AMEX SPG-Business card. As I am checking my upcoming expenses for the next 3 and 6 months, I am finding that many places do not accept AMEX, particularly in Europe. Thus, my default choice for meeting minimum spending is to pay estimated taxes with a...
by VictoriaF
Thu Feb 16, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1173
Views: 145131

Re: What's Your Credit Card Rewards Strategy?

Sanity check, please! I am about to apply for an AMEX SPG-Business card. As I am checking my upcoming expenses for the next 3 and 6 months, I am finding that many places do not accept AMEX, particularly in Europe. Thus, my default choice for meeting minimum spending is to pay estimated taxes with a ...
by VictoriaF
Thu Feb 16, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1173
Views: 145131

Re: What's Your Credit Card Rewards Strategy?

I got an offer for the Citi AA for 60k bonus miles. I just checked my credit report and I only have 3 new accounts in the last 24 mo. However, I had a Citi AA until May 2015. Does that affect my approval if everything else is good? Verify that the following language does not appear on the offer or ...

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