Search found 15685 matches

by VictoriaF
Thu Jan 19, 2017 4:10 pm
Forum: Investing - Theory, News & General
Topic: Fed Rate [may go] to 3% - [investing consequences?]
Replies: 69
Views: 6444

Re: Fed Rate [may go] to 3% - [investing consequences?]

...How do you guys/gals do CDs for a IRA account?... I go to the bank and tell the customer service rep that I want to open an IRA account with a CD. I do some paperwork. When it comes time for renewal I got some paperwork in the mail that says (annoyingly!) that if I don't get back to them they wi...
by VictoriaF
Thu Jan 19, 2017 3:59 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 156
Views: 18137

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

^ just an fyi.... you can do this proactively. When I opened my CD recently, a screen popped up with what to do at maturity and rolling over was the default auto-populated option but I clicked the other option which was to transfer back to the savings account. I open Andrews FCU CDs at a branch. Th...
by VictoriaF
Thu Jan 19, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B costs
Replies: 14
Views: 1195

Re: Medicare Part B costs

Those on Medicare who have not started taking SS (ie, waiting until age 70), often pay by electronic transfer from checking. They pay the full Medicare premium which went up from $121.80 in 2016 to $134.00 in 2017. This is a consideration against delaying Social Security, but the difference seems m...
by VictoriaF
Thu Jan 19, 2017 11:34 am
Forum: Investing - Theory, News & General
Topic: Fed Rate [may go] to 3% - [investing consequences?]
Replies: 69
Views: 6444

Re: Fed Rate to 3%

What is everyone else doing? Comments or suggestions? I have opened a couple of 7-year 3% APY CDs with Andrews FCU. If by 2020 interest rates rise to 3%, and CDs with >>3% interest become available, I will calculate the trade-off between penalties of closing existing CDs and benefits of new CDs. Ge...
by VictoriaF
Thu Jan 19, 2017 11:22 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 156
Views: 18137

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

I visited AFCU earlier today to open a new CD, and among other things asked them about the absent interest on my 84-month Roth-IRA CD. They told me that the quarterly interest is based not on calendar quarters but on my account anniversary. Thus, I should see it in a few days. Well that's interesti...
by VictoriaF
Tue Jan 17, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 50
Views: 4498

Re: France or Switzerland

I am planning some travel in the summer of 2017. It's cheaper to get a round trip from DC to Paris, a round trip from Paris to Barcelona, and a night at Charles de Gaulle--than to get a round trip from DC to Barcelona. I suspect that this discrepancy is based on irrational fear and will take advant...
by VictoriaF
Tue Jan 17, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 191
Views: 22716

Re: Chase Sapphire Reserve

The terms exclude "cash-like transactions" and "cash-like charges". I imagine whether or not gift cards fall under those categories is subject to interpretation. There have been several anecdotes on this and related threads about being told something by the customer service rep ...
by VictoriaF
Tue Jan 17, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10046

Re: Why nobody understands importance of high-deductible insurance?

The average person is scared of high deductibles, whether it's for health insurance or car insurance. I'll give you an example: At my workplace, my company opted for a plan which increased our deductible rather than significantly increasing our premiums. At the meeting with our insurance representa...
by VictoriaF
Mon Jan 16, 2017 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Berlin upon retiring. Please critique my plan.
Replies: 17
Views: 1854

Re: Relocating to Berlin upon retiring. Please critique my plan.

-How does one meet people in Berlin? Attend church, join service clubs, take classes, etc. When I first came to Berlin in 2002, I've met some Berliners on the first and second day after my arrival. Both situations were mildly ludicrous, but that's exactly what I like about the Berliners. They are o...
by VictoriaF
Mon Jan 16, 2017 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10046

Re: Why nobody understands importance of high-deductible insurance?

A lot people go without healthcare (don't see doctors, don't fill prescriptions, etc.) due to deductibles and other cost sharing, sometimes even a small amount of cost sharing. Unfortunately, this can be bad for their health. So, it really depends on the individual's circumstances. When it comes to...
by VictoriaF
Mon Jan 16, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Upgrade or just buy new? [Computer]
Replies: 44
Views: 2430

Re: Upgrade or just buy new?

Besides Dell, you can also buy laptops from Microsoft with the Microsoft "signature edition" operating system, which will provide a bloatware free operating system similar to what Dell's business offering provide. I bought an ASUS laptop with a core i5 and solid state drive for my spouse ...
by VictoriaF
Mon Jan 16, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Upgrade or just buy new? [Computer]
Replies: 44
Views: 2430

Re: Upgrade or just buy new?

If I used Dell's defaults and did not chose better Memory and Hard Drive, I would have saved less than $400, and the total cost would still be ~$1,500. Victoria I really don't think you need the features of the precision laptop line. They are "mobile workstations", which means they are de...
by VictoriaF
Mon Jan 16, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Upgrade or just buy new? [Computer]
Replies: 44
Views: 2430

Re: Upgrade or just buy new?

Buy a new Dell with Win10 x64 Pro and be done with it. No need for 100 different opinions, that's why Dell exists ... for non-IT people. In the past, I was buying Dell laptops on the Dell web site, using their business offerings. They came with the Professional versions of the Windows OS and less b...
by VictoriaF
Mon Jan 16, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Upgrade or just buy new? [Computer]
Replies: 44
Views: 2430

Re: Upgrade or just buy new?

Buy a new Dell with Win10 x64 Pro and be done with it. No need for 100 different opinions, that's why Dell exists ... for non-IT people. In the past, I was buying Dell laptops on the Dell web site, using their business offerings. They came with the Professional versions of the Windows OS and less b...
by VictoriaF
Mon Jan 16, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Upgrade or just buy new? [Computer]
Replies: 44
Views: 2430

Re: Upgrade or just buy new? [Computer]

Windows XP is pretty old. You only need to save the data you need and install clean window 7, 8 or 10. Windows XP has many issues, but blaming people for still using it is blaming the victim . The cost of a computer is a sum of the system cost and the operating cost. For business systems, the break...
by VictoriaF
Mon Jan 16, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: Upgrade or just buy new? [Computer]
Replies: 44
Views: 2430

Re: Upgrade or just buy new?

Buy a new Dell with Win10 x64 Pro and be done with it. No need for 100 different opinions, that's why Dell exists ... for non-IT people. In the past, I was buying Dell laptops on the Dell web site, using their business offerings. They came with the Professional versions of the Windows OS and less b...
by VictoriaF
Mon Jan 16, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9118

Re: How much do you typically spend in a restaurant?

Two to three times per week we have a full mid-day meal, complete with a healthy pour of lovely red wine, a starter, a main, and a dessert or coffee, for somewhere in the E7.50 to E10.50 region. With the strong dollar at 0.94 to the Euro, converting the aforementioned prices to dollars doesn't have...
by VictoriaF
Sat Jan 14, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: 24 hour stop over at LHR, what all can I visit in London?
Replies: 31
Views: 1716

Re: 24 hour stop over at LHR, what all can I visit in London?

London is my favorite city, and I have visited it many times over the years. The first time was in the 1980s, and the place that affected me the most was the BBC building. When I had lived in the Soviet Union, BBC was my main source of information about the world outside the Iron Curtain, and finall...
by VictoriaF
Sat Jan 14, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 962
Views: 120763

Re: What's Your Credit Card Rewards Strategy?

Speaking to using Korean Air miles on partner flights, this is echoed on several sources from a google search...so it appears...yes I'm sure. But not happy about it. http://onemileatatime.boardingarea.com/2014/02/14/how-to-redeem-korean-air-skypass-miles/ Thank you for the link. Initially I was ver...
by VictoriaF
Sat Jan 14, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9118

Re: How much do you typically spend in a restaurant?

Downtown of Washington, D.C., has many salad bars, where I normally pay for lunch less than $15, including tax and tips. Earlier this week I attended a conference at FTC’s Constitution Center and had lunch in their cafeteria where an excellent large salad cost me under $11. If I left the building fo...
by VictoriaF
Sat Jan 14, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 141
Views: 15196

Re: Best Financial Moves You've Made

Some of my prudent financial moves were not financial in nature and some were incidental. Here are the key ones: 1. Immigrating to the United States trumps all other moves. 2. Pursuit of advanced degrees, licenses, certifications, and continuing education. 3. Living close to work (most of the time),...
by VictoriaF
Sat Jan 14, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Best Ways to Buy Time
Replies: 68
Views: 7094

Re: Best Ways to Buy Time

There are some similarities between prudent financial management and prudent time management. In both areas activities include: 1. Monitor and record how you are spending your money/time. 2. Analyze which spendings or money/time are aligned with your goals, and which ones are not. 3. Decide how you ...
by VictoriaF
Sat Jan 14, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 962
Views: 120763

Re: What's Your Credit Card Rewards Strategy?

Speaking to using Korean Air miles on partner flights, this is echoed on several sources from a google search...so it appears...yes I'm sure. But not happy about it. http://onemileatatime.boardingarea.com/2014/02/14/how-to-redeem-korean-air-skypass-miles/ Thank you for the link. Initially I was ver...
by VictoriaF
Fri Jan 13, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 156
Views: 18137

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

2. I opened an IRA CD back in October. As of now (January), the Andrews web site still does not show any accumulated interest. That is not what I see. I see interest credited on the last day of each quarter, so you should see interest credited on 12/31/2016 for 10/1/2016 through 12/31/2016. I have ...
by VictoriaF
Wed Jan 11, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 249
Views: 15174

Re: Annual Vacation Budget

In 2016, I spent 119 nights sleeping away from home, which included 59 nights in Spain, and on a different trip 21 nights in France, Poland and Czech Republic. My total travel expenses in 2016 were $13,563.

Victoria
by VictoriaF
Wed Jan 11, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Been renting for 10 years. Is it about time for me to get my own place?
Replies: 11
Views: 1709

Re: Been renting for 10 years. Is it about time for me to get my own place?

If you get married and have children, a 1-bedroom condo will be inadequate. Even without children, your new place would have to be convenient for both you and your spouse, including the commute.

Victoria
by VictoriaF
Wed Jan 11, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Where Can a Self-Supporting Retiree Move?
Replies: 32
Views: 3452

Re: Where Can a Self-Supporting Retiree Move?

Victoria said a lot but left out trying retirement right here in the good old USA in a few new places. Objection, Your Honor! In (3) I mentioned Florida. In (4) I gave an example of New York City. In (5) I made a broad reference to the natural beauty of the United States. If we know more about OP's...
by VictoriaF
Wed Jan 11, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Where Can a Self-Supporting Retiree Move?
Replies: 32
Views: 3452

Re: Where Can a Self-Supporting Retiree Move?

The choice of a country depends on your reasons for moving abroad: 1) To save money in retirement? 2) To minimize taxes? 3) To live in a better climate? 4) To live in an urban and cultured place with extensive public transport? 5) To live in a place with natural beauty (mountains, water)? Reason (1)...
by VictoriaF
Wed Jan 11, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: PenFed have raised their CD rates
Replies: 6
Views: 1944

Re: PenFed have raised their CD rates

I have just read the entire Andrews FCU thread and posted several questions starting here: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=203383&p=3188243#p3188243 If you have a chance, and if you know any answers, I really appreciate your help. Victoria Just answered the first two. ...
by VictoriaF
Wed Jan 11, 2017 7:36 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 156
Views: 18137

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

Another option is to set up an IRA transfer at new custodian indicating to transfer from proceeds of maturing CD on maturity date. Many of the IRA transfer forms I've used have this option, and I used it once to transfer out of a maturing CD at Ally Bank, and it worked perfectly. Just make sure to ...
by VictoriaF
Wed Jan 11, 2017 7:31 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 156
Views: 18137

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

1. My credit unions and Vanguard seem to link only to checking accounts. How can I link an external account to the AFCU share account in order to pull out funds from maturing CDs? I have never had a problem linking either checking or savings accounts to various banks and credit unions. I have my Al...
by VictoriaF
Tue Jan 10, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed have raised their CD rates
Replies: 6
Views: 1944

Re: PenFed have raised their CD rates

Yes, it's nice to see competitive rates from PenFed again, but the EWP is indeed stiff. In an IRA, I think the Andrews FCU 7-year at 3% with an EWP of six months of interest is a better deal. Kevin Hi Kevin, Thank you for continuing sharing of your expertise! I have just read the entire Andrews FCU...
by VictoriaF
Tue Jan 10, 2017 8:26 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 156
Views: 18137

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

Here are some other issues I've encountered with Andrews FCU: 1. I've noticed that when my CDs mature they will be rolled into new CDs. I wanted to change this designation on line and put the money into share accounts, but Andrews's website does not provide this option. 2. I opened an IRA CD back in...
by VictoriaF
Tue Jan 10, 2017 8:18 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 156
Views: 18137

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

Sorry I wasn't more clear..I was wondering about ACH OUT of Andrews back to my bank, not pushing funds in. What if I had a $50K share certificate I wanted to break (paying the EWP) and take out of Andrews? ACH "outbound" is limited to $25K/month. Not clear from the T's and C's if they mea...
by VictoriaF
Tue Jan 10, 2017 7:31 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 156
Views: 18137

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

So if you elected to open the account with $5, basically no way around getting a negative balance fee and having to call? Why not put $10 there? You'll need it eventually to provide withdrawal activity to avoid the "no activity" monthly fee. After reading your comment, I checked the Andre...
by VictoriaF
Tue Jan 10, 2017 6:33 pm
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 91
Views: 6441

Re: Affordable home exercise

FWIW, crunches should be a no-no for pretty much everybody; isolation and spinal flexion is not the way to develop strong core musculature and the crunch in general is inherently risky for your lumbar and neck. Are you warning against any crunches or about not doing them properly. Perhaps you can c...
by VictoriaF
Tue Jan 10, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 50
Views: 4498

Re: France or Switzerland

I am planning some travel in the summer of 2017. It's cheaper to get a round trip from DC to Paris, a round trip from Paris to Barcelona, and a night at Charles de Gaulle--than to get a round trip from DC to Barcelona. I suspect that this discrepancy is based on irrational fear and will take advanta...
by VictoriaF
Tue Jan 10, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Best Ways to Buy Time
Replies: 68
Views: 7094

Re: Best Ways to Buy Time

Jazztonight wrote:Get rid of your televisions.


And of social media.

Victoria
by VictoriaF
Tue Jan 10, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed have raised their CD rates
Replies: 6
Views: 1944

Re: PenFed have raised their CD rates

Navy Fed is now offering special CDs at 2% for 17 months, up to $50k. The combination of the rate/duration seems better than PenFed's.

Victoria
by VictoriaF
Tue Jan 10, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 13463

Re: How old is your vehicle?

My Honda Civic was born in 1997 and will turn 20 in February.

Victoria
by VictoriaF
Tue Jan 10, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Avoiding Hacking / Responsible Steps To Take Online
Replies: 18
Views: 1643

Re: Avoiding Hacking / Responsible Steps To Take Online

In recent months ransomware has become the most egregious cybercrime. This article
https://www.bleepingcomputer.com/news/s ... ansomware/
provides a good review of the protection measures.

Victoria
by VictoriaF
Tue Jan 10, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2070
Views: 557966

Re: What Book Are You Currently Reading? Part VI

I've read several books in the past few months. The one I particularly recommend is Deep Work: Rules for Focused Success in a Distracted World by Cal Newport. Newport's general thesis is that ever fewer people are capable of deep work, whereas employment and self-employment are requiring ever more d...
by VictoriaF
Wed Sep 28, 2016 7:33 am
Forum: Investing - Theory, News & General
Topic: Navy Federal 2%, 20 month CD
Replies: 4
Views: 1838

Re: Navy Federal 2%, 20 month CD

Just giving this thread a bump for anyone who might be interested and missed it. I originally ignored it, but realized these are add-on special CDs. Opened four (one for each family member). Plan to use them over time if no better specials arrive and others start to mature. Thank you for the bump. ...
by VictoriaF
Tue Sep 27, 2016 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: How it really feels to have investments during a bear market?
Replies: 74
Views: 6472

Re: How it really feels to have investments during a bear market?

That you remained calm at age 35 when you had $100,000 drop to $50,000 due to a banking crisis is not at all a guarantee that you will remain calm at 55 when you have $1,000,000 drop to $500,000 due to a global pandemic killing millions of people. Very good point. "This time is different"...
by VictoriaF
Tue Sep 27, 2016 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: How it really feels to have investments during a bear market?
Replies: 74
Views: 6472

Re: How it really feels to have investments during a bear market?

The fundamental and consequential incongruity of investing is that the logical time to adjust the risk of one's portfolio is when the market is high, and the emotional time is when the market is low. Reminiscing on how we felt during the last bear market does not come close to how we really felt. Th...
by VictoriaF
Tue Sep 27, 2016 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: How it really feels to have investments during a bear market?
Replies: 74
Views: 6472

Re: How it really feels to have investments during a bear market?

Imagine 20 years of investment gains and employer matching funds vaporizing. Imagine friends and family losing jobs and scared. Imagine having to reduce staffing by 150 close-knit people and being responsible for choosing who stays and who goes. Imagine your lifetime best friend and next door neigh...
by VictoriaF
Tue Sep 27, 2016 11:57 am
Forum: Personal Finance (Not Investing)
Topic: How it really feels to have investments during a bear market?
Replies: 74
Views: 6472

Re: How it really feels to have investments during a bear market?

1987 - I was not investing, and the crash was a non-event for me. 2001 - My 401(k) was loaded with Lucent stock which I acquired in the falling-knife fashion while working for Bell Labs. The bad news is that I lost hundreds of thousands of dollars in the tech bubble burst. The good news is that a fi...
by VictoriaF
Tue Sep 27, 2016 11:38 am
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 250
Views: 15496

Re: Does it matter what type of college one goes to?

I think it matters if they are in a Nationally recognized school, like the ones you mentioned - Ivy League, Notre Dame, Stanford, Duke, Georgetown, CalTech, etc. These schools will stand out on a resume, and will have a large impact on their future success. Once you're out of the top of the top tie...
by VictoriaF
Tue Sep 27, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Bogleheads for Diet/Nutrition?
Replies: 66
Views: 4717

Re: Bogleheads for Diet/Nutrition?

I agree that Pollan's three criteria are the closest equivalent to Taylor's three-fund portfolio. My variation of Pollan's criteria is: --Avoid sugar and other carbohydrate-rich foods --Avoid juices, smoothies, power bars, and other processed foods marketed as "healthy" --Maximize vegetab...

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