Search found 15221 matches

by VictoriaF
Mon Apr 04, 2016 12:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 135
Views: 11595

Re: Roll Call for the Retirement Class of 2016!

Dear Retirement Class of 2016, I am leaving shortly to walk el Camino de Santiago. I will be away for two months, without a phone, computer or other communications. Please allow me to congratulate in advance those of you retiring during my absence and to welcome new class members. In case you are wo...
by VictoriaF
Mon Apr 04, 2016 8:47 am
Forum: Personal Consumer Issues
Topic: Transportation arrangements in Europe
Replies: 25
Views: 1393

Re: Transportation arrangements in Europe

1. Paris Charles de Gaulle airport to Metz (France, Lorraine). 2. Metz to Krakow, Poland. 3. Krakow back to Paris, CDG. Do you really need to go to Paris twice or could you catch a return flight to the US from Poland? You might also check the Rick Steves message boards for suggestions. I already ha...
by VictoriaF
Mon Apr 04, 2016 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Should I convert a large IRA to a Roth IRA and incur large taxes
Replies: 86
Views: 6667

Re: Should I convert a large IRA to a Roth IRA and incur large taxes

Most estate planning clients who aren't familiar with this forum say that their previous lawyer never mentioned it; or that they discussed it with their accountant and the accountant advised against it. So I don't think a random tax lawyer or a random nonlawyer that you find on the internet is like...
by VictoriaF
Mon Apr 04, 2016 6:27 am
Forum: Personal Consumer Issues
Topic: Transportation arrangements in Europe
Replies: 25
Views: 1393

Re: Transportation arrangements in Europe

Some intra-Europe carriers charge for checking luggage and have very restrictive carry-on policies. Under some circumstances it can be cheaper to buy a more expensive ticket than a less expensive ticket plus baggage fees. Thank you for a reminder. I will be traveling light with a MEI "Voyageur...
by VictoriaF
Mon Apr 04, 2016 6:19 am
Forum: Personal Consumer Issues
Topic: Transportation arrangements in Europe
Replies: 25
Views: 1393

Re: Transportation arrangements in Europe

Apocryphal story (1960s) German air traffic control to British (BA predecessor) pilot landing at Frankfurt " You have not been to Frankfurt before?" British pilot "Yes but in 1944 I didn't stop" Thank you for a laugh. I tended to assign to the Germans a prudent methodical approa...
by VictoriaF
Mon Apr 04, 2016 6:07 am
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 33
Views: 3092

Re: Author Advice - Advantages/Disadvantages of Co-author

UPDATE: Thank you LiveSimple for asking about an update (and Juper Jones). Having been through the process, I can say that Mel Lindauer's advice was truly wise! msj16 msj16 , Congratulations with finishing your book and best wishes for its success! Mel , Thank you for an excellent guide to writing ...
by VictoriaF
Sun Apr 03, 2016 7:36 pm
Forum: Personal Consumer Issues
Topic: Transportation arrangements in Europe
Replies: 25
Views: 1393

Re: Transportation arrangements in Europe

The man in seat 61 has info on train travel. Train travel in France: http://www.seat61.com/France-trains.htm Excellent source! It turns out that I can't purchase French rail tickets more than 90 days before travel. I have to postpone buying my TGV leg until I return from the Camino. Victoria
by VictoriaF
Sun Apr 03, 2016 7:06 pm
Forum: Personal Consumer Issues
Topic: Transportation arrangements in Europe
Replies: 25
Views: 1393

Re: Transportation arrangements in Europe

Leg 1 - The drive from CDG to Metz is easy. I wouldn't suggest driving unless you have a need for a car in Metz and beyond, but it's very do-able. Otherwise, just take the train - sncf.com. Leg 2 & 3 - Train is one option. And while I haven't looked myself, odds are it'll take a while to get wh...
by VictoriaF
Sun Apr 03, 2016 6:59 pm
Forum: Personal Consumer Issues
Topic: Transportation arrangements in Europe
Replies: 25
Views: 1393

Re: Transportation arrangements in Europe

The man in seat 61 has info on train travel. Train travel in France: http://www.seat61.com/France-trains.htm ITA Matrix has an excellent flight search engine. It has quite a few options for unusual searches, press the help button at the top-right. You can search flights from several possible origin...
by VictoriaF
Sun Apr 03, 2016 6:53 pm
Forum: Personal Consumer Issues
Topic: Transportation arrangements in Europe
Replies: 25
Views: 1393

Re: Transportation arrangements in Europe

ustf , Thank you for the link. I will use it shortly. > Leg-2: I probably have to fly rather than take a train. The nearest large place is Luxembourg. Then there is Strasbourg. Frankfurt is still farther, but probably is best connected? I used to go to Strasbourg regularly. I don't remember ever ha...
by VictoriaF
Sun Apr 03, 2016 5:20 pm
Forum: Personal Consumer Issues
Topic: Transportation arrangements in Europe
Replies: 25
Views: 1393

Transportation arrangements in Europe

When I travel in Europe, I usually stay in a single country and get around by train or travel around with local friends. However, this summer, my plans are a bit more involved and I am looking for suggestions for the following three legs of travel: 1. Paris Charles de Gaulle airport to Metz (France,...
by VictoriaF
Sun Apr 03, 2016 9:40 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1531
Views: 334990

Re: What Book Are You Currently Reading? Part VI

My wife is reading 'Infinite Jest', by David Foster Wallace. It has kept her occupied for _weeks_, to the point of delirium, and she's not done yet. It is the best value in a book of fiction that I have ever encountered, even better than Proust's 'Remembrance'. I highly recommend it. Thank you for ...
by VictoriaF
Sun Apr 03, 2016 9:12 am
Forum: Investing - Theory, News & General
Topic: Excellent but expensive investing books
Replies: 33
Views: 2731

Re: Excellent but expensive investing books

I wouldn't hesitate one second on this one, and buy *the* groundbreaking study of historical investments across the world: Triumph of the Optimists: 101 Years of Global Investment Returns By Elroy Dimson, Paul Marsh, Mike Staunton Kindle edition is $117.99. Click here . Excellent suggestion. Victoria
by VictoriaF
Sun Apr 03, 2016 9:07 am
Forum: Personal Finance (Not Investing)
Topic: [Medicare Parts B, D and FEHB (Federal Employee Health Benefits) retiree coverage]
Replies: 4
Views: 336

[Medicare Parts B, D and FEHB (Federal Employee Health Benefits) retiree coverage]

[Split into a new thread from: Should I convert a large IRA to a Roth IRA and incur large taxes --admin LadyGeek] Not trying to hi-jack this thread on FEHB insurance coverage v. Medicare Part B coverage, but not sure everyone has to take Medicare Part B premiums into account, if one has adequate re...
by VictoriaF
Sat Apr 02, 2016 6:57 pm
Forum: Investing - Theory, News & General
Topic: Excellent but expensive investing books
Replies: 33
Views: 2731

Re: Excellent but expensive investing books

Here are some expensive books from my Amazon.com Wish List: - $215 - Behavioral Economics (Routledge Advanced Texts in Economics and Finance) by Edward Cartwright - $189 - The Cognitive Neurosciences (MIT Press) by Michael S. Gazzaniga, George R. Mangun - $135 - Introduction to Behavioral Economics ...
by VictoriaF
Sat Apr 02, 2016 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Should I convert a large IRA to a Roth IRA and incur large taxes
Replies: 86
Views: 6667

Re: Should I convert a large IRA to a Roth IRA and incur large taxes

Good Listener, If you have six years until your RMDs, you have one year until you must start paying for Medicare Part B. Medicare premiums are income-based, using two-year old income. In other words, your last-year income will be used to calculate your next-year cost of Medicare. I have retired a ye...
by VictoriaF
Sat Apr 02, 2016 6:17 pm
Forum: Personal Consumer Issues
Topic: Five Best National Parks to Visit?
Replies: 99
Views: 6566

Re: Five Best National Parks to Visit?

P.S. If you're interested in Canadian travel, Banff & Jasper National Parks are also exceptional. Every year, they bring to Washington, D.C., a selection of films from the Banff Film Festival. I attend the screenings whenever I can. One day, I'd like to come to Banff to attend the festival itse...
by VictoriaF
Sat Apr 02, 2016 12:14 pm
Forum: Investing - Theory, News & General
Topic: Your Questions for the Experts Panel Q&A @ Bogleheads Conference
Replies: 27
Views: 2079

Re: Your Questions for the Experts Panel Q&A @ Bogleheads Conference

Black Swans, by definition, are unpredictable. But there are categories of potential Black Swans, and there are some general protection measures we can take to help us dealing with various Black Swans. I'd like the Esteemed Panel to share their thoughts about categories of potential Black Swans and ...
by VictoriaF
Sat Apr 02, 2016 8:51 am
Forum: Investing - Theory, News & General
Topic: What if your money in Vanguard disappeared one day??
Replies: 44
Views: 5948

Re: What if your money in Vanguard disappeared one day??

This discussion is about possible Black Swans that could wipe out one's Vanguard account. By definition, Black Swans are extremely low probability events, have not happened before, and are thus unpredictable. Trying to come up with a feasible scenario of the account being wiped out is an exercise in...
by VictoriaF
Fri Apr 01, 2016 2:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 135
Views: 11595

Re: Roll Call for the Retirement Class of 2016!

dowse wrote:Reporting back to confirm that I officially retired today as scheduled. Among the glasses to be raised tonight will be one dedicated to all bogleheads. Cheers all! :sharebeer


As a member of the Bogleheads community, I will raise a glass in your honor tonight. Cheers!

Victoria
by VictoriaF
Fri Apr 01, 2016 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 135
Views: 20156

Re: Renting forever: financial suicide?

Original question: Renting forever: financial suicide? My observations of housing suicide: 1. Buying a house one cannot afford. 2. Buying a house that requires maintenance and repairs one cannot afford. 3. Buying a house in a "company town" and not being able to sell it when the company ca...
by VictoriaF
Fri Apr 01, 2016 9:43 am
Forum: Personal Consumer Issues
Topic: Five Best National Parks to Visit?
Replies: 99
Views: 6566

Re: Five Best National Parks to Visit?

This summer, I will be traveling around the Western U.S. with some friends from Europe. They have created an optimal program to see as much as possible in two weeks. Among National Parks (NP) we will be visiting: - NP Joshua Tree - NP Death Valley - Badwater - Grand Canyon - South Rim - Monument Va...
by VictoriaF
Fri Apr 01, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: Five Best National Parks to Visit?
Replies: 99
Views: 6566

Re: Five Best National Parks to Visit?

This summer, I will be traveling around the Western U.S. with some friends from Europe. They have created an optimal program to see as much as possible in two weeks. Among National Parks (NP) we will be visiting: - NP Joshua Tree - NP Death Valley - Badwater - Grand Canyon - South Rim - Monument Val...
by VictoriaF
Fri Apr 01, 2016 9:09 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 135
Views: 11595

Re: Roll Call for the Retirement Class of 2016!

Joe Bladi-Blada wrote:Well, I did it. Yesterday (3/31) was my last day at work. On to the next phase!

JBB


Excellent! You are now officially retired in the Bogleheads community too. Warmest congratulations and best wishes for the new phase!

Victoria
by VictoriaF
Fri Apr 01, 2016 9:07 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 135
Views: 11595

Re: Roll Call for the Retirement Class of 2016!

baa_10 wrote:It is now official...... Retired as of March 31st. Age 55


Welcome to the Class and congratulations with your retirement! I have added you to the 31 March-01 April 2016, list above.

Best wishes for the most satisfying retirement,

Victoria
by VictoriaF
Thu Mar 31, 2016 8:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 135
Views: 11595

Re: Roll Call for the Retirement Class of 2016!

Class of 2016 as of 31 March and 01 April 2016: xx xxx - Miriam2 xx Apr - Merlin (58) xx May - Loon11 (66) 01 May - krmann 01 May - highercall (59) 02 May - JPixafari (58) 31 May - Hawkeye5 31 May - freedom66 (50) 01 Jun - Juliajones54 17 Jun - bowtie 24 Jun - victorb (62) 30 Jun - Lynette 01 Jul -...
by VictoriaF
Tue Mar 29, 2016 6:18 am
Forum: Personal Consumer Issues
Topic: Moving my life into a storage unit
Replies: 42
Views: 3589

Re: Moving my life into a storage unit

It's not your life; just your stuff. I wouldn't do it though. Even if there infrequently, coming home to an empty, barren apartment can be mentally draining. Make it a sanctuary. You move overseas "for 12 months". You live without all those allegedly precious things for a year. By the tim...
by VictoriaF
Mon Mar 28, 2016 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Flagship Investor with 700 credit score ?
Replies: 52
Views: 6924

Re: Flagship Investor with 700 credit score ?

Credit Karma's list is by no means complete. They left off 2 biggies that are part of the Bible from Experian, Trans Union and Equifax: 1. Types of credit (To get the highest credit score you have to have a good mixture of all 3 types - mortgage debt, revolving, and installment loan. 2. Ratio of lo...
by VictoriaF
Mon Mar 28, 2016 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Flagship Investor with 700 credit score ?
Replies: 52
Views: 6924

Re: Flagship Investor with 700 credit score ?

Here is what Credit Karma says has an effect on credit scores: ... Payment History High Impact The percentage of payments you've made on time. If one uses Autopay of minimum amounts due, does it count as "payment on time"? Victoria Yes. In fact, that's the route the credit industry hopes ...
by VictoriaF
Mon Mar 28, 2016 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Flagship Investor with 700 credit score ?
Replies: 52
Views: 6924

Re: Flagship Investor with 700 credit score ?

teniralc wrote:Here is what Credit Karma says has an effect on credit scores:
...
Payment History High Impact
The percentage of payments you've made on time.


If one uses Autopay of minimum amounts due, does it count as "payment on time"?

Victoria
by VictoriaF
Mon Mar 28, 2016 7:56 pm
Forum: Investing - Theory, News & General
Topic: Your Questions for the Experts Panel Q&A @ Bogleheads Conference
Replies: 27
Views: 2079

Re: Your Questions for the Experts Panel Q&A @ Bogleheads Conference

Thank you Mel and Mel,

I'd like to know the panel's latest opinion about cash. This question comes up frequently, but now it really hits the home for me. In the recent past, Allan has been recommending CDs. I found chasing CD rates too time consuming. Is there a shortcut?

Victoria
by VictoriaF
Mon Mar 28, 2016 7:04 pm
Forum: Personal Consumer Issues
Topic: Moving my life into a storage unit
Replies: 42
Views: 3589

Re: Moving my life into a storage unit

I will try to downsize even more but I've gone through a lengthy process of sifting already, and I think owning only 4 x 6 x 8 feet worth of possessions (the size of two big closets) is the farthest I can go short of not owning anything. You can create a 4 x 6 x 8 storage inside your studio. If you...
by VictoriaF
Mon Mar 28, 2016 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Can I pay estimated tax ONLY in January?
Replies: 43
Views: 4845

Re: Can I pay estimated tax ONLY in January?

One thing I have not figured out yet. I can check my individual payments to the IRS by the confirmation number, but I could not find a way to check my IRS account showing all my estimated payments and their attribution to different years. Is there a way to get it? I make federal income tax payments...
by VictoriaF
Mon Mar 28, 2016 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Can I pay estimated tax ONLY in January?
Replies: 43
Views: 4845

Re: Can I pay estimated tax ONLY in January?

1. You can make four equal installments. However, to avoid an underpayment penalty, the sum of the four installments should be at least 90% of what the income tax for 2016 ends up being. If you have unexpected additional income later in 2016, you may own an underpayment penalty. 2. You will avoid a...
by VictoriaF
Sun Mar 27, 2016 6:13 pm
Forum: Investing - Theory, News & General
Topic: "Mitigating the Risks of Cognitive Decline"
Replies: 45
Views: 4938

Re: "Mitigating the Risks of Cognitive Decline"

Apart from the aging-related cognitive decline, the ever increasing pace of life makes cognitive mistakes ever more likely. Here are some examples: 1. I watched Alfred Hitchcock's film The Thirty Nine Steps . There is a scene where a man and a woman are in his apartment and his telephone rings. The ...
by VictoriaF
Sun Mar 27, 2016 5:58 pm
Forum: Personal Consumer Issues
Topic: [Recommend book(s) on] Critical thinking, suggestion please?
Replies: 42
Views: 3200

Re: [Recommend book(s) on] Critical thinking, suggestion please?

Critical thinking is a limited resource and you should use it wisely. If most of your decisions are easy or of little consequence you can dedicate your decision making capacity to a few very important decisions. Your decision making will be streamlined if you reduce your exposure to sources of biase...
by VictoriaF
Sun Mar 27, 2016 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: The Urge to Splurge with Plastic NYT article
Replies: 30
Views: 2648

Re: The Urge to Splurge with Plastic NYT article

I think this is generational. If I have paper cash I think of it as "free money" and spend it frivolously. I typically only have currency on vacations. While when I swipe my credit card I think of it as real money because I excel spreadsheet my bills and update them constantly. If you ask...
by VictoriaF
Sun Mar 27, 2016 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: The Urge to Splurge with Plastic NYT article
Replies: 30
Views: 2648

Re: The Urge to Splurge with Plastic NYT article

These studies all have the same bias, namely that cash is somehow pure money and credit cards are perversions and the perversity costs money and efficiency. Behavioral economists are economists, they don't and wouldn't call plastic "perverse." But what they have uncovered was that the far...
by VictoriaF
Sun Mar 27, 2016 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: The Urge to Splurge with Plastic NYT article
Replies: 30
Views: 2648

Re: The Urge to Splurge with Plastic NYT article

I suppose I'm far from the typical consumer but these social studies don't make sense to me. If I'm willing to pay $50 for a Red Sox game, it doesn't matter to me the method in which I pay it. I equate the cost the same no matter what. I'm shocked that apparently educated people can't figure this o...
by VictoriaF
Sun Mar 27, 2016 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: The Urge to Splurge with Plastic NYT article
Replies: 30
Views: 2648

Re: The Urge to Splurge with Plastic NYT article

...Allow me to paraphrase (and, sorry to pick on you, but it's a fairly common perspective on this forum): "I'm shocked that apparently educated people are exhibiting behavioral biases. I, as a perfectly rational economic man, never exhibit such biases and always trade money for the exactly eq...
by VictoriaF
Sun Mar 27, 2016 3:43 pm
Forum: Personal Consumer Issues
Topic: Does anyone earn any income (10 bucks plus) a week from one of those survey, blog, visit website jobs?
Replies: 22
Views: 1961

Re: Does anyone earn any income (10 bucks plus) a week from one of those survey, blog, visit website jobs?

I generally wouldn't be worried about that happening, but if your notes are of a nature where someone misusing them could cause you substantial financial loss or other distress, I probably wouldn't use Mechanical Turk for transcribing them. Thank you for a quick response. These are personal notes, ...
by VictoriaF
Sun Mar 27, 2016 3:28 pm
Forum: Personal Consumer Issues
Topic: Does anyone earn any income (10 bucks plus) a week from one of those survey, blog, visit website jobs?
Replies: 22
Views: 1961

Re: Does anyone earn any income (10 bucks plus) a week from one of those survey, blog, visit website jobs?

There are receipt transcription/data extraction tasks that are very prevalent (at least 1/3 of the available tasks at any given time) and they always show up at the top of the list, but they average out to maybe $2.50/hour if you are lucky. I am curious. I have over a dozen of notebooks with old ha...
by VictoriaF
Sun Mar 27, 2016 2:37 pm
Forum: Personal Consumer Issues
Topic: Spirit Airlines
Replies: 38
Views: 2918

Re: Spirit Airlines

tedclu wrote:Always buy tickets at the airport that would save you$36 on round trip.


How do you do that? You come to the airport on the day of the flight without a ticket? Or you come to the airport well ahead of time just to buy a Spirit ticket?

Victoria
by VictoriaF
Sun Mar 27, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: Spirit Airlines
Replies: 38
Views: 2918

Re: Spirit Airlines

I have not flown Spirit but would if the price were low enough. On most occasions I travel light, which means that I subsidize passengers with a lot of luggage. I don't like airplane food and flying without it is not a hardship for me.

Victoria
by VictoriaF
Sun Mar 27, 2016 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: The Urge to Splurge with Plastic NYT article
Replies: 30
Views: 2648

Re: The Urge to Splurge with Plastic NYT article

Evidently attendance at MIT does not insure that the MBA student is blessed with common sense. The phenomenon described in the article has nothing to do with the presence or absence of common sense. It's about cognitive biases that affect everyone. Please note that there is a principal difference b...
by VictoriaF
Sun Mar 27, 2016 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Incorrect SS withholding
Replies: 22
Views: 882

Re: Incorrect SS withholding

It did not seem logical from my point of view. I'd pay the same amount of taxes at about the same time either way, but the reporting would be very different. I don't advocate that small employers should report taxes more often than they do. From now on, I'll be using estimated taxes. It's very easy ...
by VictoriaF
Sun Mar 27, 2016 12:22 pm
Forum: Investing - Theory, News & General
Topic: Financial burnout
Replies: 65
Views: 8550

Re: Financial burnout

There are two general ways to use money to enjoy life:
1. Pay for the things you want to have or to do.
2. Pay others to do things you don't want to do.

If you decide to start spending more, try to favor the second category.

Victoria
by VictoriaF
Sun Mar 27, 2016 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Incorrect SS withholding
Replies: 22
Views: 882

Re: Incorrect SS withholding

I don't understand this advice. I had capital gains and Roth conversions in 4Q2015, paid estimated taxes before January 15, 2016, and had to file IRS Form 2210, including Annualized Income calculations. How does taking an IRA distribution save one from having to file Form 2210? It is not that takin...
by VictoriaF
Sun Mar 27, 2016 12:04 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1559
Views: 317268

Re: What Movie Have You Recently Watched?

Alfred Hitchcock's The Thirty Nine Steps and Secret Agent.

Victoria
by VictoriaF
Sun Mar 27, 2016 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Incorrect SS withholding
Replies: 22
Views: 882

Re: Incorrect SS withholding

I agree that it is probably not worth the effort to try to get it changed but I really wonder why you want to have tax withheld from your monthly checks anyway. It works much better if you take an IRA distribution in December and have enough withheld to cover the whole year's income tax bill. That ...

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