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VictoriaF

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. ...

VictoriaF

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"...

VictoriaF

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...

VictoriaF

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...

VictoriaF

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...

VictoriaF

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...

VictoriaF

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...

VictoriaF

Is there a Boglehead like site or philosophy for Diet and Nutrition? Go see a nutritionist/dietitian. It will be far more useful than the anecdotal "evidence" you'll get here or anywhere else online. Everyone's an expert. Bill Bernstein says that if you know how to select a financial advi...

VictoriaF

I would point you to Michael Pollan's seven word approach, found in his book, In Defense of Food : --Eat food. --Mostly plants. --Not too much. That's the dietary equivalent of the three fund portfolio. I agree that Pollan's three criteria are the closest equivalent to Taylor's three-fund portfolio...

VictoriaF

I would point you to Michael Pollan's seven word approach, found in his book, In Defense of Food : --Eat food. --Mostly plants. --Not too much. That's the dietary equivalent of the three fund portfolio. I agree that Pollan's three criteria are the closest equivalent to Taylor's three-fund portfolio...

VictoriaF

I am not familiar with Jane Bryant Quinn's buckets, but I follow my own version of Bill Bernstein's LMP and RP. Specifically, my LMP is cash that will last until I start collecting Social Security at the age of 70. Victoria +1 I read JBQ's book but am much more comfortable with WB's LMP/RP methodol...

VictoriaF

In Prague I will stay for 15 days. For two weeks I will be taking an intensive Czech language course. I want to arrive two days earlier to get over the jetlag so that I could be more focused in the class. My search of the accommodations is limited to the vicinity of the language school , where my t...

VictoriaF

My problem is that no matter how far in advance I book, I always get connection flights between Washington, DC and Madrid, Spain. When I checked flights to Prague, Czech Republic, I would have to make two connections flying Air Berlin. Award flights to Europe on United are much better. Victoria Hi ...

VictoriaF

...When I am traveling independently, hotel chains are much more expensive than hotels I normally book. For example, I am now looking for a 2 week stay in Prague in April 2017. IHG and HHonors hotels run over $100 per night. A small hotel in Prague 3 where I want to stay is about $35/night includin...

VictoriaF

Allow me a bit of interpretive freedom here to substitute "retired" for "65+" in age. My answer is yes, at least in theory. A few days ago, I posted this on another thread: I would try to enjoy some of it during my first ten years of retirement. Too many posts engage in hand-wri...

VictoriaF

Will it keep both SPG and RC points alive? When I transferred points, it was registered as a "transaction" in both SPG and Marriott programs. I am assuming that it will keep both programs alive for at least a year. My only fear is that at some point they will merge the program (they say n...

VictoriaF

Any award flight on British Airways metal connecting in LHR is going to have extremely high taxes and fees. That's probably the worst way to try to get to Europe with miles. Whether you're using BA or AA miles, you're better off trying to find a flight on AA metal, or fly Air Berlin or maybe Iberia...

VictoriaF

PhysicsTeacher wrote:PBS and NPR.

Agree about NPR.
I used to watch PBS almost exclusively before I got rid of a TV.

Victoria

VictoriaF

In my opinion, the HHonors devaluation in 2013 was quite ruthless. http://thepointsguy.com/2013/02/hilton-hhonors-changes-5th-award-night-free-for-elites-new-tierds-and-seasonal-pricing/ I tried to use up my points but ran out of time and had 90k left. I was looking at a Boston trip that went from ...

VictoriaF

This last graf is, simply put, what it's all about - knowing ourselves, our emotions, which can help us determine our emotional tolerance for risk, better understand the decisions we make, and hopefully lead to wise investing. Behavioral Econ and neoroeconomics both provide answers - and raise more...

VictoriaF

When you are in Chicago, visit The Second City. Very solid advice. If they're sold out-- or even if they're not -- you can also go a half mile west to IO Chicago, which has very good shows and better beer prices. My companion chose to see #DateMe: An OKCupid Experiment at UP Comedy Club, around the...

VictoriaF

Today I went to my Yahoo account and changed the password. There were no security questions associated with my account. Victoria Can you tell me where the security questions would be located? I do not see any in my account info or in the account security. Does that mean I did not enter any? Thanks ...

VictoriaF

This last graf is, simply put, what it's all about - knowing ourselves, our emotions, which can help us determine our emotional tolerance for risk, better understand the decisions we make, and hopefully lead to wise investing. Behavioral Econ and neoroeconomics both provide answers - and raise more...

VictoriaF

Another way to keep the SPG account alive is to transfer just 1,000 points. It may be cheaper than coffee in Manhattan. Yep....that's a possibility. But I wouldn't get coffee. That said, coffee at even the finest hotels is not always good coffee. Do you have to transfer points in, or out, or either...

VictoriaF

I have transferred some points from MR to SPG yesterday and the process was almost instantaneous. For as long as the points can be transferred back and forth, it's possible to reverse a suboptimal decision. However, equivalent two-way conversions may not stay so forever. Travel bloggers are already ...

VictoriaF

Just as I finished reading the latest posts in this thread, I noticed the Yahoo bot crawling the Forum. I wonder what it is trying to learn these days.

Victoria

VictoriaF

Neuroeconomics is essentially Behavioral Economics where experiments are conducted with fMRI and other neuroscience equipment. As subjects are responding to experimental and control questions, the researchers are watching which brain regions become active, Visually, these experiments are very impre...

VictoriaF

When you are in Chicago, visit The Second City. They are running a show "The Best of the Second City" with some tickets still available for the 3rd and 8th of October. That would have been my first choice, but it's not available on my preferred date. I'll probably go to see "The Secon...

VictoriaF

I am not familiar with Jane Bryant Quinn's buckets, but I follow my own version of Bill Bernstein's LMP and RP. Specifically, my LMP is cash that will last until I start collecting Social Security at the age of 70.

Victoria

VictoriaF

Curiously, in the beginning Bill says: WB: Yes. I am trained in neurosciences and I think that the neuroeconomic angle of investing has been grossly overplayed. But then much of his guidance addresses cognitive weaknesses and biases that lead an investor astray. Victoria Right, so as I posted earli...

VictoriaF

This is an obvious manifestation of Bogle's Third Law of forum posts: "For any list of superlatives there will be an equal and opposite list of horribles." The difference is that your thread builds the community whereas this one promotes negativity. Reporting things that are "worth e...

VictoriaF

Meg, Congrats! May I ask you how old you are? To everyone else: Should we account house equity to be part of net worth? There is zero real net worth, as long as the amount of cash on hand is significantly lower than the amount of loans pending. They are playing roulette with their future, unless th...

VictoriaF

Meg, Congrats! May I ask you how old you are? To everyone else: Should we account house equity to be part of net worth? There is zero real net worth, as long as the amount of cash on hand is significantly lower than the amount of loans pending. They are playing roulette with their future, unless th...

VictoriaF

Now that the Marriott-Starwood merger has been completed, it's possible to link the accounts. I just did, with two immediate benefits: 1. I did not have a status with Marriott, but now I've got Starwood's Silver status. 2. I transferred some points from Marriott to Starwood, so that I will be able t...

VictoriaF

Congratulations Meg!

Victoria

VictoriaF

Microsoft Excel. (I have just finished modeling my 2016 taxes for different amounts of Roth conversions.)

Victoria

VictoriaF

Curiously, in the beginning Bill says:

Bill Bernstein wrote:WB: Yes. I am trained in neurosciences and I think that the neuroeconomic angle of investing has been grossly overplayed.

But then much of his guidance addresses cognitive weaknesses and biases that lead an investor astray.

Victoria

VictoriaF

Today I went to my Yahoo account and changed the password. There were no security questions associated with my account.

Victoria

VictoriaF

For example, if rates increase enough after one year to justify doing an early withdrawal to reinvest, it would only cost me about 1.5% to do an early withdrawal from my 7-year 3% CD, while an EE bond owner would essentially lose 3.43% (the theoretical 3.53% minus the actual 0.1%); actually it's sl...

VictoriaF

I walked el Camino de Santiago in 2015 and again in 2016. Both years I walked Camino Frances in April-May. In 2015, I started on the Spanish side of the Pyrenees in Roncesvalles. In 2016, I started on the French side at St Jean Pied de Port and crossed the Pyrenees over the Napoleon Route. Both year...

VictoriaF

I just bought a 7-year CD with an APY of 3%. [...] That's a very good rate. Where did you find it? I think I heard about it here on the forum back in January or February (it has been available since July 2015), but you also can find it here using my go-to source for CDs: 6+ Year Individual Retireme...

VictoriaF

Based on your recommendation, I decided to place a hold on this book at my library. I taking Modern Hebrew language classes at Portland State. I finished my first year in June and will start my second year September 26th. I'm doing okay, if grades are any judge, but it's incredibly difficult. I ask...

VictoriaF

Unfortunately, I have already purchased 3 x Sandisk CZ600 Cruzer Glide™ 16GB USB 3.0 Flash Drives from Costco. SanDisk Cruzer CZ36 64GB Flash Drive $15 It's been a long time since I could back up my files on a 16GB drive. After having attended a seminar on ransomware, I am trying to increase my pro...

VictoriaF

I'd wish DW would attend a woman's seminar. I got her financially safe products but she really doesn't understand them or what they are. Mic drop. This type of denigration by a male spouse, seen all too often on this forum, is one of the most insidious 'differences' women face and although hopefull...

VictoriaF

As I started reading the article I cringed at the illustration of, and continuing references to, chocolates which are not good for either the author or her daughter. Reading on I'll note that planning for the same retirement withdrawals every month (year) is not the same as having the same expenses ...

VictoriaF

As everyone else has said, do not put personal files on your work computer. It is the property of your employer, not you. And if encrypting your own flash drive sounds too daunting, USB drives with encryption built in exist. Here's an older PC World review of 5 of them: http://www.pcworld.com/artic...

VictoriaF

I was just referring in particular to VictoriaF's statement that women will be intimated and taken advantage of. My main point was that we can't assume this is going to be a nefarious sales pitch based on the limited information available. If it's by Edward Jones, then yes. If it's Vanguard or Fide...

VictoriaF

Are the feds taking that into consideration as opposed to mainly the unemployment rate? It depends on which "feds." Retirement focused symposia sponsored by the Social Security Administration acknowledge retirees' difficulties with living off savings accounts and bonds in a low-interest-r...

VictoriaF

One thing I think is vastly overrated is international travel particularly to big cities like New York, LA, Paris, London, Tokyo, etc. They're all the same to me. I greatly enjoy my trips to New York, Paris and London. They are very different and worth every penny to me. Given that this thread is t...

VictoriaF

Thanks, everyone, if only for puncturing my bubble. I always knew I could count on this board to be a party pooper give me the unvarnished truth. Reading this thread, one would think New Orleans was the most hated city in the U.S.! I don't hate New Orleans, and I lived there for 7 years in the 1970...

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