Search found 16127 matches

by VictoriaF
Tue May 23, 2017 10:22 pm
Forum: Investing - Theory, News & General
Topic: Case against long-term TIPS
Replies: 47
Views: 7482

Re: Case against long-term TIPS

Long term TIPS offer a guaranteed positive real return over a long time frame, hence "bullet proof." The price you pay for being "bullet proof" is that its principal value is volatile and fully subject to duration risk, so that if you are forced to sell them before maturity you ...
by VictoriaF
Tue May 23, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1650
Views: 252273

Re: What's Your Credit Card Rewards Strategy?

I am seeing mixed reports on the Chase IHG Card: https://creditcards.chase.com/a1/ihg/ihg50plus?CELL=63R6&cm_sp=OSMAM-6C-US-EN-RR-A-MNR-ChaseMasterCard Do any of you know for sure whether this one counts toward. 5/24? Thanks Yes it will count toward 5/24. You will not be rejected by it if you a...
by VictoriaF
Tue May 23, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2686
Views: 735039

Re: What Movie Have You Recently Watched?

On 22 May 2017, I saw Cloudy Sunday Dir. Manoussos Manoussakis (118 min, Greece, 2016) Greek with English subtitles A smash box-office hit in Greece, Cloudy Sunday tracks a tumultuous wartime romance between a Jewish girl and Christian resistance fighter. The sweeping epic brings to screen the unto...
by VictoriaF
Tue May 23, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Best time for massage?
Replies: 16
Views: 2559

Re: Best time for massage?

UPDATE The trip was excellent, including the massages. My favorite ones were: The Hot Stones massage, 50 min, 1 250 CZK ($50) and The Relaxing St. Thomas massage, 50 min, 1 300 CZK ($52). Each massage was followed by a 30-60 minute stay in a "Relaxation Room" on a warm waterbed. The entire...
by VictoriaF
Tue May 23, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2686
Views: 735039

Re: What Movie Have You Recently Watched?

On 22 May 2017, I saw Cloudy Sunday Dir. Manoussos Manoussakis (118 min, Greece, 2016) Greek with English subtitles A smash box-office hit in Greece, Cloudy Sunday tracks a tumultuous wartime romance between a Jewish girl and Christian resistance fighter. The sweeping epic brings to screen the untol...
by VictoriaF
Tue May 23, 2017 11:40 am
Forum: Investing - Theory, News & General
Topic: Case against long-term TIPS
Replies: 47
Views: 7482

Re: Case against long-term TIPS

I'd like to revive this thread because I'm considering adding LTPZ to diversify my portfolio (NOT as a standalone investment). I see that LTPZ has a high correlation with nominal bonds which leads me to question the benefit of choosing this over EDV or ZROZ. Thoughts? It's interesting that you have...
by VictoriaF
Tue May 23, 2017 11:28 am
Forum: Local Chapters and Bogleheads Community
Topic: Master thread for Washington DC Area Bogleheads
Replies: 105
Views: 24014

Re: Calculating the Funded Ratio using real life annuity pricing

At yesterday's meeting it was brought up that one can calculate the funded ratio for your retirement portfolio while working by dividing the size of your portfolio by the price of a deferred real (inflation-adjusted) life annuity with payouts at your desired retirement income level. The question th...
by VictoriaF
Tue May 23, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 115
Views: 8350

Re: What to do with all these passwords ?

Regarding Keepass, I finally decided I didn't want a single point of failure in the event Keepass software--for whatever reason--stopped working. Thus, I used additional duplication and printed out the database to a pdf file and stored it within my duplicate encrypted home thumb drives and external...
by VictoriaF
Tue May 23, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1650
Views: 252273

Re: What's Your Credit Card Rewards Strategy?

SRenaeP wrote:That said, I'm currently above 5/24 and already have a CSR which I plan to cancel by the end of the year before the next annual fee comes due.

-Steph


Steph,

Before you cancel a CSR ensure that you have another Chase card to hold and transfer URs.

Victoria
by VictoriaF
Tue May 23, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1650
Views: 252273

Re: What's Your Credit Card Rewards Strategy?

Of course who can forget IhG. My hand hurts after writing 250 index cards and enovlopes from the 2015 promo. LOL I did this too. Though I seem to recall it was 94 index cards. And I printed out labels for the envelopes. My brother got his daughters to help him with his index cards. I'm taking my ni...
by VictoriaF
Tue May 23, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1650
Views: 252273

Re: What's Your Credit Card Rewards Strategy?

I am seeing mixed reports on the Chase IHG Card: https://creditcards.chase.com/a1/ihg/ihg50plus?CELL=63R6&cm_sp=OSMAM-6C-US-EN-RR-A-MNR-ChaseMasterCard Do any of you know for sure whether this one counts toward. 5/24? Thanks Yes it will count toward 5/24. You will not be rejected by it if you a...
by VictoriaF
Mon May 01, 2017 2:06 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 134
Views: 13243

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Dottie57 wrote:I am so excited! Some poor BogleHead pulled out, and I get to go! So for the person who pulled out, hope you get to go next year.

Off to mail my check.

Congratulations, Dottie! See you ať the conference,
Victoria
by VictoriaF
Mon May 01, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 81
Views: 8376

Re: Dream vacation spots?

Cheers from Luhačovice, which may contend for a dream vacation. It is like a Swiss resort at Czech prices. Victoria Googled it and clicked images. Very nice! Enjoy! :happy I čame here on SaturDay and it's getting better and better. So far I had two fantastic masságy, and two more are still to come....
by VictoriaF
Mon May 01, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: The Power of Habit
Replies: 15
Views: 3452

Re: The Power of Habit

Howard Donnelly wrote:emanuel_v19,

What's the most important lesson you've learned from the book so far?

Thanks,
Howard

I read this book a while ago, and my strongest memory is that you should replace bad hábits with Good ones ať trigger points.

Victoria
by VictoriaF
Mon May 01, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 81
Views: 8376

Re: Dream vacation spots?

Cheers from Luhačovice, which may contend for a dream vacation. It is like a Swiss resort at Czech prices. Victoria Googled it and clicked images. Very nice! Enjoy! :happy I čame here on SaturDay and it's getting better and better. So far I had two fantastic masságy, and two more are still to come....
by VictoriaF
Mon May 01, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 7395

Re: Favorite Financial Indulgences

Books. The direct cost is seldom a problém. But the spáce is, and spací is cost. I have just špent close to 50 dollars shipping books home from Prague because Amazon.com does not offer them.

Victoria
by VictoriaF
Sun Apr 30, 2017 3:17 am
Forum: Personal Consumer Issues
Topic: The Power of Habit
Replies: 15
Views: 3452

Re: The Power of Habit

Hello all, I have been reading the book "The Power of Habit" by Charles Duhigg and it is eye riveting. I have learned a lot so far and it's an interesting book. I was wondering, do any of you know recommend other books that are about the same reading material? Thank you! I read it and agr...
by VictoriaF
Sun Apr 30, 2017 3:13 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2314
Views: 690416

Re: What Book Are You Currently Reading? Part VI

Czech step by step, book 1, Lessons 7 to 12.
victoria
by VictoriaF
Sun Apr 30, 2017 3:06 am
Forum: Local Chapters and Bogleheads Community
Topic: Master thread for Washington DC Area Bogleheads
Replies: 105
Views: 24014

Re: May 21 meeting 1:30 at Silver Spring library

grabiner wrote:Our next meeting will be 1:30-3:00 on Sunday, May 21, in meeting room #2 at the Silver Spring Library, 900 Wayne Ave, Silver Spring, MD 20910. (Sorry about the time change; this is the time we were able to get the room.)

thank you, David. I Hope to be ať home and ať tend.
victoria
by VictoriaF
Sun Apr 30, 2017 2:38 am
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

I do recall herding much bull before I retired. The Kitces article above was aimed at FA's. Financial goals are ultimately a means to an end consisting of lifestyle goals. Over the course of one's life, values tend to drift if not change outright. I view the purpose of lifestyle design with periodi...
by VictoriaF
Sun Apr 30, 2017 2:36 am
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 81
Views: 8376

Re: Dream vacation spots?

Cheers from Luhačovice, which may contend for a dream vacation. It is like a Swiss resort at Czech prices.

Victoria
by VictoriaF
Thu Apr 13, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 81
Views: 8376

Re: Dream vacation spots?

@VictoriaF I'd be very interested in hearing about your experience on Mont Blanc and Annapurna Circuit. If you are so inclined, you can PM me. Tour Mont Blanc was in 1995, and my recollection is quite vague. I have some photos and journals but after so many years, my notes are of less practical val...
by VictoriaF
Thu Apr 13, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

2015 wrote: I herded sheep, goats and cats--and even a few foxes and snakes--of the human kind when I was working. I have no interest in doing that with the animal kind in retirement.


As a Boglehead you need to herd bulls and bears.

Victoria
by VictoriaF
Wed Apr 12, 2017 9:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 372
Views: 57165

Re: Roll Call for the Retirement Class of 2014!

Just got back (to Oregon) from my usual 2-week volunteer stint in Florida and have 2 international trips lined up for this year: Peru (Amazon cruise) and France (Lyon and ?). I am seriously considering doing a round-the-country solo driving trip (my 3rd) in 2018. I have snagged invitations to visit...
by VictoriaF
Wed Apr 12, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

praxis wrote:
VictoriaF wrote:
Goats are too reckless; please consider sheep.


John Cleese
Monty Python


I was thinking of Woody Allen: Everything you always wanted to know about sheep but were afraid to ask.

Victoria
by VictoriaF
Wed Apr 12, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 27712

Re: USAA 2.5% Cash Back Credit Card

White Coat Investor wrote:Nope. Can't get it through the app either. I think USAA hates Utahns.

And Virginians.

Victoria
by VictoriaF
Wed Apr 12, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

according the following article on the six major paths retirees follow, I am probably #2, an "Adventurer", who "see[s] retirement as an opportunity to pursue an unrealized dream or try something new": http://www.nextavenue.org/retirement-paths-will-follow/ From the article: 2. A...
by VictoriaF
Wed Apr 12, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

Victoria wrote, After I came up with the idea, I shook index fingers with Jack Bogle. And this is how I greet many Bogleheads at the annual conferences and local meetings. Well, in my opinion, that makes it official. Think of the Constitution's Article II, Section 3 power of the Executive to "...
by VictoriaF
Tue Apr 11, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

azurekep wrote:
VictoriaF wrote:Writing and refining routines is a creative process.

A standup desk might help.


I want the limelight for myself, I don't want to delegate it to my desk.

Victoria
by VictoriaF
Tue Apr 11, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Extreme Frugality vs Living Life - Where do you draw the line?
Replies: 77
Views: 8763

Re: Extreme Frugality vs Living Life - Where do you draw the line?

2) That is what we want to spend on - taking vacations with them. My husband likes luxury travel and I would prefer to travel more often than to spend more on a single vacation. so there is conflict in that regards. I can see a problem here. Similarly to you, I like to travel a lot and inexpensivel...
by VictoriaF
Tue Apr 11, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Combatting mosquitoes traveling in S. America
Replies: 37
Views: 1950

Re: Combatting mosquitoes traveling in S. America

You will want to get a permethrin-treated mosquito net I usually treat my backpack, sleeping bag, and other items with Permethrin, https://www.amazon.com/Products-Premium-Permethrin-Clothing-Repellent/dp/B001ANQVYU?th=1 . It's apparently as effective as 100% DEET, quite safe for people, and you app...
by VictoriaF
Tue Apr 11, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

Victoria: Thanks for all of your conversation on this topic. I have mentioned it to three people, two of which indicated they will be viewing the lecture. Ed, If you have several people interested in life design, you could create a work group where you'd be reviewing each other's designs, learning ...
by VictoriaF
Tue Apr 11, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

Would there be any connection between "life planning" and Life-cycle finance ? Hi LadyGeek, I was not thinking about it, but now that you've mentioned it, I think there is an important relation between designing one's life and life-cycle finance, or consumption smoothing. Life design come...
by VictoriaF
Tue Apr 11, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your

Hi Victoria, Thanks for explaining. I plan to watch the video, but It does seem that the deeply personal and mentally demanding process of designing an asset allocation, in particular knowing life goals, then achieving the finances, and then determining how much risk (and uncertainty) can be handle...
by VictoriaF
Tue Apr 11, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

Was stand up on your list of things to do when you retired? Or is it a part of a new life you are designing? Have fun and good luck.... It was not on my list of things to do. I decided to try Improv after I saw a show with a family member (in a different state). As I noted above, I was taking Impro...
by VictoriaF
Tue Apr 11, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

Congratulations on your graduation! How cool you'll be in the YT videos. Yes, there are quite a few places to take classes, all of which are close to me. I would only be looking to do this for the experience, as competition related to anything entertainment here is nothing short of staggering. I ag...
by VictoriaF
Tue Apr 11, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

Interesting (and perhaps timely?) you mentioned you've been doing improv and standup. There's lots of it where I live. After reading the book, I thought about doing improv only because it would absolutely terrify me, hence, being the correct course of action. If you are in L.A. you are in the comed...
by VictoriaF
Mon Apr 10, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 81
Views: 8376

Re: Dream vacation spots?

I love to travel so I have plans to travel a lot as soon as possible. I like doing many adventurous things, but also relaxing vacations as part of my travels. However many of my dream spots require having good knees - which is not a sure thing. Following are on my wishlist/bucket-list -------------...
by VictoriaF
Mon Apr 10, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

Outstanding video...thanks for the link and the great discussion. Now, to the blank sheet of paper and ideas... Ed So far, I was careful to recommend a free resource, an Internet video. However, if you want to do effective design of your life, you may want to purchase the book. The book does not on...
by VictoriaF
Mon Apr 10, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

2015 wrote:VeronicaF, have you read this book: https://www.amazon.com/Improv-Wisdom-Do ... 1400081882. It's awesome, and useful in everyday life.


I'll check it out, thanks. And it's VictoriaF, not Veronica--the second strike out after the naval debacle.

VF
by VictoriaF
Mon Apr 10, 2017 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

From what I read here, a connection I see to investing might be in setting an asset allocation, i.e., the similarity between designing a life and designing an allocation. In both cases it's about finding oneself and what is right for oneself. An asset allocation, to become a course that one can sta...
by VictoriaF
Mon Apr 10, 2017 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

RYD wrote:I must admit as I read this post a saying popped into my mind

Man plans God laughs

RYD


Thus, you design many different lives to give God more things to laugh about, and for yourself to have more fun with.

Victoria
by VictoriaF
Mon Apr 10, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

Yes, thanks Victoria. I found this article on a 94-year very inspiring: https://www.nytimes.com/2017/04/07/opinion/sunday/to-be-a-genius-think-like-a-94-year-old.html A wonderful article. Thank you, Lynette! We frequently close up our minds to new opportunities because "nobody does it" at...
by VictoriaF
Mon Apr 10, 2017 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

Victoria is very inspiring as she has lots of energy and tries many new things in retirement. Victoria, I know you need no encouragement, but keep us posted on your research concerning reinvention of self. Thank you for kind words, SGM! Sometimes I think that I am moving too quickly from one passio...
by VictoriaF
Mon Apr 10, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

RadAudit wrote:
VictoriaF wrote: I am the inventor of the Bogleheads Handshake (an index-finger shake).


Bogleheads have a secret handshake?


Yes! After I came up with the idea, I shook index fingers with Jack Bogle. And this is how I greet many Bogleheads at the annual conferences and local meetings.

Victoria
by VictoriaF
Sun Apr 09, 2017 6:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Conference 2017?
Replies: 34
Views: 4701

Re: Boglehead Conference 2017?

I'm a little confused about this issue. There was a statement that an announcement would be coming on April 5th about the conference. People mark the date. The announcement then is made on April 2nd.?? Then apparently there was a large response to a presale to those who attended in previous years. ...
by VictoriaF
Sun Apr 09, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

2015 wrote:Per Cal Newport's Deep Focus book, in retirement I sacrifice low value adding activities for high value activities that buttress my "wildly important idea" (Newport's concept) of having a qualitatively successful retirement until end of life.


Cheers from a fellow Newport's fan,

Victoria
by VictoriaF
Sun Apr 09, 2017 10:06 am
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Conference 2017?
Replies: 34
Views: 4701

Re: Boglehead Conference 2017?

Might I suggest then, to avoid such feelings in the future, that, should a date for the public announcement be revealed in the future, the date for the email to previous attendees also be announced? Something such as "Previous attendees will be emailed on April 2nd and the public announcement ...
by VictoriaF
Sat Apr 08, 2017 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

..... there is much more to life than gazing at your own naval. ..... That's exactly what I have been thinking of saying. Only I was going to say navel Not naval. :wink: You mean to tell me all along I've been gazing at the wrong thing? So that's been the problem. :D You can design alternative live...
by VictoriaF
Sat Apr 08, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9985

Re: Designing Your Life

I wonder how these ideas will fit in finding a "retirement path". Many of us here are getting older and are now fully retired and spending our next egg. But with retirement some of us are finding limitations on what we can do so we need to adjust our life path. So maybe these ideas are st...

Go to advanced search