Search found 15403 matches

by VictoriaF
Sat Jul 30, 2016 12:15 am
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 39
Views: 1340

Re: Never owned a cell phone.

I suspect you have to sign up for a talk plan in addition to text/data. The cheapest talk plan is $10/month plus a per-minute charge on all calls. Next is $15/month for 250 minutes which is what we have. Thank you, 22twain. Getting a talk plan along with a text/data plan would make it too expensive...
by VictoriaF
Fri Jul 29, 2016 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication
Replies: 56
Views: 3763

Re: SSA MANDATORY cell phone based multifactor authentication

Furthermore, hardware keys are not scalable as a general purpose 2FA. One key from the SSA is OK. But how do you manage and distinguish numerous keys for each brokerage, bank, credit card, email account, etc.? Victoria It scales just fine. You do not need a different key for every web site. One of ...
by VictoriaF
Fri Jul 29, 2016 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Which retirement income is never reported to the IRS?
Replies: 5
Views: 562

Re: Which retirement income is never reported to the IRS?

Is the question what is "reported" or what is "taxable"? I recommend that you read instructions for Form 1040 Lines 15 and 16, IRA distributions and Pensions and annuities, respectively. 15a and 16a are total amounts; 15b and 16b are taxable amounts.

Victoria
by VictoriaF
Fri Jul 29, 2016 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication
Replies: 56
Views: 3763

Re: SSA MANDATORY cell phone based multifactor authentication

I don't use texting. But today's cyberspace is so in-secure that 2-Factor Authentication (2FA) has become a necessity. i am investigating various options as we speak. It seems that a flip cellphone, such as ZTE Z222 Unlocked Flip Phone with Camera on Amazon for $24, and a $2.50/month text-and-data p...
by VictoriaF
Fri Jul 29, 2016 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Any retirees here who have been life-long renters?
Replies: 132
Views: 8353

Re: Any retirees here who have been life-long renters?

Another comment on something I've seen a lot in this thread: people like to say that renting just HAS to cost more than buying, but there are many reasons this is not always true. Lots of landlords have already paid off the house or aren't real estate professionals or the market is wonky (like in L...
by VictoriaF
Fri Jul 29, 2016 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication
Replies: 56
Views: 3763

Re: SSA MANDATORY cell phone based multifactor authentication

Hmm, but don't have texting. Guess it is call the congress critter time. The SSA, the IRS, and other government services are losing hundreds of millions of dollars a year to fraud. May be even billions. This is a HUGE waste that could be used for providing public services. They MUST harden their cy...
by VictoriaF
Fri Jul 29, 2016 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication
Replies: 56
Views: 3763

Re: SSA MANDATORY cell phone based multifactor authentication

I prefer using a time based authenticator where it downloads a token only at the time of setting up 2-factor. From then you get your codes without any information being transmitted to you. How do you feel about physical security keys using U2F? In that case nothing is transmitted to you either, and...
by VictoriaF
Fri Jul 29, 2016 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication
Replies: 56
Views: 3763

Re: SSA MANDATORY cell phone based multifactor authentication

You don't need a cell phone to get texts, you just need a phone number and and internet connection. You can get a google voice number for free and get texts over the web, or have the texts sent directly to your email. https://www.google.com/googlevoice/about.html I tried this, and it works. Text ca...
by VictoriaF
Fri Jul 29, 2016 8:59 pm
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 39
Views: 1340

Re: Never owned a cell phone.

I have a basic cell phone, but I don't use it for texting. I have bought a smartphone three years ago, but I don't use it. I am planning to buy a new smartphone in a couple months and start using it extensively. In the mean time, I am curious: What would be an economical solution for receiving 2FA t...
by VictoriaF
Fri Jul 29, 2016 8:31 pm
Forum: Personal Consumer Issues
Topic: What makes people succeed?
Replies: 50
Views: 3145

Re: What makes people succeed?

One thing I've noticed - and this is probably something I inculcated as a kid from my parents (and I, in turn, am probably doing the same with my kids) - is that I try to use good grammar and proper word choice. This is commendable. In so doing, I used to stumble very badly during presentations at ...
by VictoriaF
Fri Jul 29, 2016 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Any retirees here who have been life-long renters?
Replies: 132
Views: 8353

Re: Any retirees here who have been life-long renters?

Could be a very small or non-existent group here. But I keep hearing the siren song of home ownership, but I am not sure if this is ever going to happen for me. I guess I need to hear from some folks that may have been able to retire and "win the game" without having been home owners. Our...
by VictoriaF
Fri Jul 29, 2016 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Any retirees here who have been life-long renters?
Replies: 132
Views: 8353

Re: Any retirees here who have been life-long renters?

Depends where you are. I'm dumb and young (22) but I would never buy. Live in Los Angeles. Houses here are like 800k+ for the most basic, 1.5M+ for anything I'd consider long term, and 2M+ for anything nice. It just goes exponentially more from there. Not gonna buy a crappy 800K home if the only re...
by VictoriaF
Fri Jul 29, 2016 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Any retirees here who have been life-long renters?
Replies: 132
Views: 8353

Re: Any retirees here who have been life-long renters?

Could be a very small or non-existent group here. But I keep hearing the siren song of home ownership, but I am not sure if this is ever going to happen for me. I guess I need to hear from some folks that may have been able to retire and "win the game" without having been home owners. Our...
by VictoriaF
Thu Jul 28, 2016 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Convince me not to go to grad school
Replies: 33
Views: 1880

Re: Convince me not to go to grad school

Hello bogleheads, I am a 27 y/o male with a few college degrees (2 of which have been no help to me). My wife and I both work in healthcare she is 35 y/o with a stable income of $190k with potential to increase. I however, make $38k with only a 1% increase each year. We are debt free (besides the h...
by VictoriaF
Thu Jul 28, 2016 1:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 190
Views: 18779

Re: Roll Call for the Retirement Class of 2016!

Good morning, My first day of retirement was May 5, 2016 at the age of 64. \\\\//// - me doing the happy dance. What really amazes me is that I didn't realize how unhappy I was working, until I wasn't anymore. Oh, and I don't have to get up at 4:45 a.m. Yeah! Not a big time contributor, but a long ...
by VictoriaF
Thu Jul 28, 2016 1:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 190
Views: 18779

Re: Roll Call for the Retirement Class of 2016!

Class of 2016 as of 28 July 2016: xx xxx - Miriam2 08 Aug - Will do good 31 Aug - Small Law Survivor (65) 01 Oct - StoneBob 19 Oct - Lynette (72) 15 Nov - basspond 06 Dec - steve roy 16 Dec - smartinwate 31 Dec - Buster65 Have graduated: 01 Jan - nonurseorpurse 10 Jan - Misenplace (56) 20 Jan - Ari...
by VictoriaF
Thu Jul 28, 2016 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Any retirees here who have been life-long renters?
Replies: 132
Views: 8353

Re: Any retirees here who have been life-long renters?

Could be a very small or non-existent group here. But I keep hearing the siren song of home ownership, but I am not sure if this is ever going to happen for me. I guess I need to hear from some folks that may have been able to retire and "win the game" without having been home owners. Our...
by VictoriaF
Sun Jul 24, 2016 11:30 pm
Forum: Personal Consumer Issues
Topic: What kind of apartment can $1k get you in your city?
Replies: 60
Views: 3399

Re: What kind of apartment can $1k get you in your city?

As for Chicago, there are any number of local independent, high quality restaurants throughout Chicagoland, many are outside of the city borders. If you can't find them, see LTHForum.com where they have reviews of several thousand of them. City living is much more than restaurants. I particularly l...
by VictoriaF
Sun Jul 24, 2016 11:23 pm
Forum: Investing - Theory, News & General
Topic: Reliving the Nightmare of the Crisis
Replies: 119
Views: 8418

Re: Reliving the Nightmare of the Crisis

In 2008-2009 we were on the brink of a catastrophe. Now, that we have survived it, our hindsight bias mocks our former fears or triggers groundless bravado. However, a positive outcome was not pre-determined. If a weather forester gives you a 60%-70% chance of rain, and rain does not happen, it does...
by VictoriaF
Sun Jul 24, 2016 11:06 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1720
Views: 404465

Re: What Book Are You Currently Reading? Part VI

Dr. Kindleberger had minimal patience with the "over numeracy" that plagues the economics profession, and identified the foundations of financial panics in human psychology and pervasive biases. A very astute man and a fine and lucid writer. Remarkable physics achievements in the early 20...
by VictoriaF
Sun Jul 24, 2016 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirees, how much did you leave on the table?
Replies: 180
Views: 11510

Re: Early retirees, how much did you leave on the table?

3 friends who died late 40s or early 50s. i doubt any of them are worried about things today. While death is surely a release from worry, I'm not sure if this is a flippant response, as it seems woefully incomplete. How did their spouses and children feel, if they had them? In the context of this t...
by VictoriaF
Sun Jul 24, 2016 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement for Women(?)
Replies: 34
Views: 3225

Re: Retirement for Women(?)

Yesterday, The Today Show had a piece on retirement for women....Jean Schatzky (personal finance advisor on the show), stated the following: "Over the past three decades the average lifespan of women has increased from 77 to 83. There's no escaping the numbers when it comes to dealing with thi...
by VictoriaF
Sun Jul 24, 2016 9:13 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1720
Views: 404465

Re: What Book Are You Currently Reading? Part VI

Mastermind: How to think like Sherlock Holmes , by Maria Konnikova. The book combines two of my favorite topics: the Great Detective and Cognitive Psychology of Daniel Kahneman and many others. I was familiar with much of the research referenced by Konnikova, but it was interesting to see it in the...
by VictoriaF
Sun Jul 24, 2016 9:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master thread for Washington DC Area Bogleheads
Replies: 81
Views: 17907

Re: Master thread for Washington DC Area Bogleheads

BobK,

Thank you for presenting at the meeting and for very useful advice in the restaurant. I have followed up on some of your suggestions.

Victoria
by VictoriaF
Sun Jul 24, 2016 8:57 pm
Forum: Personal Consumer Issues
Topic: MEI Voyageur backpack
Replies: 19
Views: 1485

Re: MEI Voyageur backpack

I've got a black bag and happy with the color. Thanks, Victoria. I've been mulling over the color options and think I will probably be conservative and go with black as well. Maybe I will try to personalize my bag in other ways. :wink: I am impressed that MEI allows some customization of bags. I wi...
by VictoriaF
Sun Jul 24, 2016 8:49 pm
Forum: Personal Consumer Issues
Topic: Email compromised: How serious?
Replies: 45
Views: 3250

Re: Email compromised: How serious?

A lot of people are getting these email account compromised alerts from OPM credit monitoring. I hear people talking about it at work... If a lot of people are affected, it could mean one of a few things: 1. The data that has triggered the warning is bogus, someone is bluffing on the dark web. 2. C...
by VictoriaF
Sun Jul 24, 2016 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirees, how much did you leave on the table?
Replies: 180
Views: 11510

Re: Early retirees, how much did you leave on the table?

I retired at age 55 in 2007. If I had worked until age 62 I might have increased my portfolio size by $500K - $1M. Since my portfolio is nowhere close to $100M, this would have been a significant increase, but not one that would have meaningfully affected my confidence in my financial security for ...
by VictoriaF
Sun Jul 24, 2016 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirees, how much did you leave on the table?
Replies: 180
Views: 11510

Re: Early retirees, how much did you leave on the table?

I prefer the question......How much extra life will I get by retiring early. I agree. And it's not just extra life, it's the highest quality life. In comparing retiring at the age X vs. age X+2, the earlier retirement gives you two of the healthiest and most active years of the rest of your life. V...
by VictoriaF
Sun Jul 24, 2016 7:29 pm
Forum: Investing - Theory, News & General
Topic: Bayesian market predictions?
Replies: 75
Views: 4007

Re: Bayesian market predictions?



Sorry for a delayed response. It is relevant, thanks!

Victoria
by VictoriaF
Tue Jul 12, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 154
Views: 7813

Re: Hiking questions

I would have assumed that anyone who was former military would have been trained in all things having to do with hiking. Have things changed in 30 years? I wish I could say for the better, although I'd be lying to you. You're taught how to navigate, that's about it though. While I'll pretend your r...
by VictoriaF
Tue Jul 12, 2016 3:34 pm
Forum: Personal Consumer Issues
Topic: How Does a Password Manager Impact Day to Day (IOS and Mac)
Replies: 48
Views: 2899

Re: How Does a Password Manager Impact Day to Day (IOS and Mac)

Computer security and functionality are frequently at odds, but sometimes they are "on the same side." For example, writing passwords on a piece of paper is both cumbersome and insecure. Using the same simple password on multiple web site is relatively easy but so insecure that it should n...
by VictoriaF
Tue Jul 12, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 140
Views: 12812

Re: Are you going to shop on Prime Day?

I have a number of expensive books on my Amazon Wish List, waiting for price reductions or good used copies. None of them went on sale today. Ironically, Amazon has build its reputation as a book store, but now it promotes anything but books.

Victoria
by VictoriaF
Tue Jul 12, 2016 2:21 pm
Forum: Personal Consumer Issues
Topic: How Does a Password Manager Impact Day to Day (IOS and Mac)
Replies: 48
Views: 2899

Re: How Does a Password Manager Impact Day to Day (IOS and Mac)

Mudpuppy wrote:You'll still have the "Notes" field to put that information into, but you'll have to annotate it appropriately...


Excellent! Thanks a million,

Victoria
by VictoriaF
Tue Jul 12, 2016 2:05 pm
Forum: Personal Consumer Issues
Topic: How Does a Password Manager Impact Day to Day (IOS and Mac)
Replies: 48
Views: 2899

Re: How Does a Password Manager Impact Day to Day (IOS and Mac)

If you don't want to install .NET, the 1.x executable should be perfectly fine. It's missing a few refinements of 2.x like custom fields or the ability to open an online database (instead of a local database), but nothing too critical (unless you need Unicode support). Thanks! I have been studying ...
by VictoriaF
Tue Jul 12, 2016 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: If Employer Reimburses Apartment Broker Fee, is it Taxable Income?
Replies: 3
Views: 303

Re: If Employer Reimburses Apartment Broker Fee, is it Taxable Income?

I rented apartments all my life, but I have always found them myself. Apartment brokers tend to show you larger, more expensive apartment buildings and complexes, and get you list prices. On my own, I find older, cheaper buildings in good locations. And when I was investigating better apartments, I ...
by VictoriaF
Tue Jul 12, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1720
Views: 404465

Re: What Book Are You Currently Reading? Part VI

Oh, I read The Girl on the Train , by Paula Hawkins. It took me a while to get into it but then I found it enjoyable... just a mystery novel, with an interesting twist on the "unreliable narrator" idea. But the plot was way too complicated and involved far too many coincidences... I found...
by VictoriaF
Tue Jul 12, 2016 1:21 pm
Forum: Personal Consumer Issues
Topic: How Does a Password Manager Impact Day to Day (IOS and Mac)
Replies: 48
Views: 2899

Re: How Does a Password Manager Impact Day to Day (IOS and Mac)

I'm a fan of KeePass due to its wide platform support, support for multiple databases with different master passwords, and support for using a key file for added security. It's also free, which is a nice bonus. I personally refuse to use auto-fill with any password manager. There's just too many tr...
by VictoriaF
Tue Jul 12, 2016 12:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 190
Views: 18779

Re: Roll Call for the Retirement Class of 2016!

I wrote about my angst over retiring last November, and the advice and comments were a big help to me. https://www.bogleheads.org/forum/viewtopic.php?t=178155 Well, I turned 65 in May, and I've told my law firm that I'm retiring as of August 31, 2016. That is 30 years, to the day, that I formed the...
by VictoriaF
Tue Jul 12, 2016 12:36 pm
Forum: Investing - Theory, News & General
Topic: Bayesian market predictions?
Replies: 75
Views: 4007

Re: Bayesian market predictions?

You want your government to be ahead of the mortals and of other governments, don't you? For as long as no one else was using the Bayesian credibly, the approach itself was classified. Later it became possible to reveal the role of the Bayesian in cryptography while still protecting some specifics....
by VictoriaF
Tue Jul 12, 2016 12:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 190
Views: 18779

Re: Roll Call for the Retirement Class of 2016!

Class of 2016 as of 12 July 2016: <-- replaced by an updated list
...
31 Aug - Small Law Survivor (65) <-- Welcome to the Class!

Currently, 47 class members.

Victoria
by VictoriaF
Tue Jul 12, 2016 12:24 pm
Forum: Investing - Theory, News & General
Topic: Bayesian market predictions?
Replies: 75
Views: 4007

Re: Bayesian market predictions?

RA Fisher and Pearson had one of the most contentious relationships in the founding of modern statistics. They both agreed though on a relative dislike of Bayesian methods. By 1950's and 1960's though Bayesian methods through de Finetti etc had gained a following and was used in multiple fields. It...
by VictoriaF
Tue Jul 12, 2016 12:22 pm
Forum: Investing - Theory, News & General
Topic: Bayesian market predictions?
Replies: 75
Views: 4007

Re: Bayesian market predictions?

During WWII Alan Turing and his collaborators used the Bayesian rule to decode Enigma, but his work was classified, and long after his death it could not be used in defense of Bayesian. Government shenanigans in the world of cryptography ware and are pervasive. My assumption (meaning confident gues...
by VictoriaF
Tue Jul 12, 2016 12:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 190
Views: 18779

Re: Roll Call for the Retirement Class of 2016!

Victoria? Are us 2016 retirees getting a nice plaque? A key-chain perhaps? Maybe a thumb drive? Seems only right. The 2016 retirees, along with 2014 and 2015 retirees, are getting a long-lasting world-wide exposure through the Bogleheads site. At this very moment, the Bogleheads feature: Total post...
by VictoriaF
Tue Jul 12, 2016 11:58 am
Forum: Investing - Theory, News & General
Topic: Bayesian market predictions?
Replies: 75
Views: 4007

Re: Bayesian market predictions?

Reading about how the Bayesian approach was viciously concealed, suppressed, and (academically) prosecuted, I developed a suspicion that it may have not made it into financial analysis. Thus, I started this thread. The replies indicate that the Bayesian is not "news" in the financial comm...
by VictoriaF
Mon Jul 11, 2016 5:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 190
Views: 18779

Re: Roll Call for the Retirement Class of 2016!

afauthentic wrote:Put me down for Retirement date of April 2016. age 52.


Congratulations! I updated today's list. If you provide me with the exact date in April, I will add it.

Victoria
by VictoriaF
Mon Jul 11, 2016 3:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 190
Views: 18779

Re: Roll Call for the Retirement Class of 2016!

Howdy. I beg leave to join this distinguished assemblage. I received my diploma on June 2 after 40 years kicking around all over the world as a petroleum geologist. So far so good! Good luck all. WB Howdy WildBill, You are in. Congratulations! Now you have to live up to your name. I am looking forw...
by VictoriaF
Mon Jul 11, 2016 3:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 190
Views: 18779

Re: Roll Call for the Retirement Class of 2016!

Class of 2016 as of 11 July 2016: <-- replaced by an updated list ... Have graduated: ... xx Apr - afauthentic (52) <-- Welcome to the Class! Congratulation with your recent retirement! 02 Jun - WildBill <-- Welcome to the Class! Congratulation with your recent retirement! Currently, 46 class membe...
by VictoriaF
Mon Jul 11, 2016 8:53 am
Forum: Personal Consumer Issues
Topic: Can I get a little house or townhouse for under $400K in Maryland or Virginia?
Replies: 59
Views: 4297

Re: Can I get a little house or townhouse for under $400K in Maryland or Virginia?

Otherwise, the metro area is one giant sprawl of overpriced, generic, soul-less, cookie cutter neighborhoods surrounded by strip malls and manufactured upscale mixed use developments with a severely choked and inadequate highway system. Having lived in the area for 46 years, your description has a ...
by VictoriaF
Mon Jul 11, 2016 7:43 am
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 13139

Re: What do you spend your money on???

Really boring stuff. It's easy for me to recall the number of times I've spent more than $200 on a single item. Boring is good in the Bogleheads philosophy, no? I spent $2,000 on DNA banking services recently. I am trying to bank my intellectual DNA. I am writing a book, but so far it goes too slow...

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