Search found 16418 matches

by VictoriaF
Wed Jul 26, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: Time, not material goods, 'raises happiness'
Replies: 38
Views: 3839

Re: Time, not material goods, 'raises happiness'

If anyone out there hasn't come up with a dollar value for your free time, I would encourage them to do so. How would one go about doing that? I wouldn't know where to start. Here is my example with various assumptions: - I value my life at $12m. - I have 40 years left to live: 20 healthy years and...
by VictoriaF
Wed Jul 26, 2017 9:21 am
Forum: Investing - Theory, News & General
Topic: Time, not material goods, 'raises happiness'
Replies: 38
Views: 3839

Re: Time, not material goods, 'raises happiness'

When you have a lot of time, and not much money.. money brings happiness. When you have a lot of money, but not much time... time brings happiness. When you have a lot of time and money (AKA retired)... you have won the game. :) The last line describes me with an important qualification: Winning a ...
by VictoriaF
Wed Jul 26, 2017 7:07 am
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 7716

Re: Anyone else extremely frugal?

I think I’m frugal compared to most of my friends/relatives but I do spend on some things that some may not. • Pay $250-500 night for a hotel, resort, etc. Ridiculous. I love to travel but that’s throwing away money to me. I’ll stay at a Hampton Inn unless I can get a good deal on Priceline. Always...
by VictoriaF
Wed Jul 26, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 11057

Re: Books not to read.

Seeing as we've been talking about Jane Austen in this thread, I thought this NPR column from today would be appropriate: http://www.npr.org/2017/07/25/538609475/the-enduring-legacy-of-jane-austens-truth-universally-acknowledged Oh Gordon, Out of all the people, I would not expect you to be in the ...
by VictoriaF
Tue Jul 25, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 11057

Re: Books not to read.

Seeing as we've been talking about Jane Austen in this thread, I thought this NPR column from today would be appropriate: http://www.npr.org/2017/07/25/538609475/the-enduring-legacy-of-jane-austens-truth-universally-acknowledged Oh Gordon, Out of all the people, I would not expect you to be in the ...
by VictoriaF
Tue Jul 25, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 115
Views: 5677

Re: Investing Education and Mansplaining

Some people have the gift of explaining and others don't. Many college professors have honed the art of explaining well. My favorite professors are Daniel Kahneman, Dan Ariely, Dan Gilbert --all men. No no -- that's Dan splaining. We're talking about something completely different. Thank you for gi...
by VictoriaF
Tue Jul 25, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 115
Views: 5677

Re: Investing Education and Mansplaining

Bill Bernstein did the best job I've seen yet at trying to package and deliver Boglehead fundamentals to millennials in the most effective way. His "If You Can" ebook is excellent and that's my go to material to send to anyone who expresses an interest. Agree wholeheartedly. Women and men...
by VictoriaF
Tue Jul 25, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Characteristics of Physicians
Replies: 24
Views: 1993

Re: Financial Characteristics of Physicians

I found the high proportion who use financial advisors depressing. The survey did not distinguish between those who might use them for advice about insurance, taxes, etc and those who pay someone to manage investments for them. The latter is a waste of money, so I like to think that most physicians...
by VictoriaF
Tue Jul 25, 2017 11:35 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 190
Views: 30607

Re: Improving the TSP [for current participants]

For others asking for the ability to do Roth conversions, do any 401ks actually allow this? Megacorp added In-plan Roth Rollover a few years back. In-plan Roth Rollover or in-plan Roth Conversion? In-plan Roth Rollover would allow to roll in Roth money from Roth IRAs and other Roth 401(k) plans. In...
by VictoriaF
Tue Jul 25, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 115
Views: 5677

Re: Investing Education and Mansplaining

Mansplaining - "(of a man) explain (something) to someone, typically a woman, in a manner regarded as condescending or patronizing." "I'm listening to a guy mansplain economics to his wife" (Oxford Dictionary) My 22 year old daughter/recent college grad is very sensitive to this...
by VictoriaF
Mon Jul 24, 2017 10:06 pm
Forum: Investing - Theory, News & General
Topic: Most Americans don't trust financial advisers
Replies: 63
Views: 5695

Re: Most Americans don't trust financial advisers

OT but I have always been amazed by people that I consider intelligent, simply abandon any responsibility to manage/oversee their portfolio. If you are smart enough to acquire wealth shouldn't you also be capable of managing it? OT but there are even more people that I consider intelligent who simp...
by VictoriaF
Mon Jul 24, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 7716

Re: Anyone else extremely frugal?

I - I fly economy. Me, too. Flying economy is one of the frugal habits I doubt I could ever break myself of. The per hour cost premium of business or first class is usually a significant amount more than my pay, and while economy is not pleasant, there are numerous worse discomforts in life. It's d...
by VictoriaF
Mon Jul 24, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 7716

Re: Anyone else extremely frugal?

Frivolous: - I buy books. I agreed with almost all your frugal and frivolous choices, but I get all my books through the library. I can't imagine buying the 50+ books I read every year. I don't buy all the books I read. Mostly, I buy non-fiction books that I find particularly impactful and that I p...
by VictoriaF
Mon Jul 24, 2017 3:15 pm
Forum: Investing - Theory, News & General
Topic: Can a TIPS ladder 'fail' ?
Replies: 65
Views: 3836

Re: Can a TIPS ladder 'fail' ?

For me personally, all I want or "expect" in real terms from my growing LMP's 2017 purchase at auction of $X,000 TIPS is its real purchase price equivalent 30 years from now, coupons are secondary . Now of course I'm also pleased to collect the annual coupon payments on top of that, but t...
by VictoriaF
Mon Jul 24, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Hypertension with time management.
Replies: 13
Views: 1139

Re: Hypertension with time management.

Check out "Deep Work" by Cal Newport. Newport's main thesis is that multitasking and distractions are the root cause of low productivity and high stress. But you have to read the book to appreciate his arguments and examples. You will also notice that "everybody" can be wrong, an...
by VictoriaF
Mon Jul 24, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 7716

Re: Anyone else extremely frugal?

I have developed spending habits based on my self-knowledge and preferences, some of which may be considered "extremely frugal" while others can be judged as "frivolous." Frugal: - I drive a 1997 Honda Civic and have no plans for replacing her. - I take public transportation in l...
by VictoriaF
Sun Jul 23, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Medicaid Article
Replies: 16
Views: 2475

Re: NYT Medicaid Article

It is a good article. I think planning is somewhat different for married and single people. In a married couple, a debilitating disease of one spouse would impoverish the other spouse, and thus some game playing by the healthy spouse is probably justified. For a single person, the strategy is easier...
by VictoriaF
Sun Jul 23, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Lyon, France?
Replies: 17
Views: 687

Re: Suggestions for Lyon, France?

What is CDG? Airport code for Charles de Gaul airport. Thank you for answering. To clarify: "Charles de Gaulle" requires too much typing and attention to the spelling, and so CDG is a real convenience rather than flaunting one's knowledge of airport codes. In contrast, I would refer to my...
by VictoriaF
Sun Jul 23, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2797
Views: 806461

Re: What Movie Have You Recently Watched?

Poldark season 1 and 2. Prime video. Check it out. PBS masterpiece. In the Washington, DC, area watching previous seasons of Poldark requires enrolling in the PBS Passport, at $60/year or more. I intentionally live without a TV to limit my watching, and so getting a PBS subscription would be a slip...
by VictoriaF
Sun Jul 23, 2017 8:26 pm
Forum: Investing - Theory, News & General
Topic: Can a TIPS ladder 'fail' ?
Replies: 65
Views: 3836

Re: Can a TIPS ladder 'fail' ?

A "ladder" invokes an unfortunate analogy. A ladder to climb to the roof frequently fails. In contrast, a TIPS ladder is a stairway to heaven.

Victoria
by VictoriaF
Sun Jul 23, 2017 8:24 pm
Forum: Investing - Theory, News & General
Topic: Most Americans don't trust financial advisers
Replies: 63
Views: 5695

Re: Most Americans don't trust financial advisers

OT but I have always been amazed by people that I consider intelligent, simply abandon any responsibility to manage/oversee their portfolio. If you are smart enough to acquire wealth shouldn't you also be capable of managing it? OT but there are even more people that I consider intelligent who simp...
by VictoriaF
Sun Jul 23, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Lyon, France?
Replies: 17
Views: 687

Re: Suggestions for Lyon, France?

Several years ago, I was considering living in Lyon for up to a year to study French. For now, my other activities and projects have pushed Lyon towards the back of the queue. After you return, I will be interested in your take on what it would be like to live in Lyon for a year. In preparation for ...
by VictoriaF
Sun Jul 23, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2797
Views: 806461

Re: What Movie Have You Recently Watched?

"My mother and other strangers" - PBS Masterpiece Theater. I watched episode-4 when I was staying at a hotel and was disappointed that I would not be able to see its continuation because at home I don't have a TV. But then I discovered that episode-5 is currently available online. Victoria
by VictoriaF
Sun Jul 23, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Medical Coverage Outside US
Replies: 41
Views: 2258

Re: Medical Coverage Outside US

[The problem is that normal travel insurance does not cover the most interesting of my activities, which are the only activities worth insuring. Victoria World Nomads? They list every activity (un)imaginable. There's usually a coupon searchable online for 5-7% off. I wrote "normal" insura...
by VictoriaF
Sun Jul 23, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Medical Coverage Outside US
Replies: 41
Views: 2258

Re: Medical Coverage Outside US

You've caught me red-handed. Normally, I am critical of the victim mentality and American exceptionalism, and here I was engaging in both without realizing it. I am still deciding if spending money on travel insurance is worthwhile. But I will try to focus this decision making on my personal risks ...
by VictoriaF
Sun Jul 23, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Medical Coverage Outside US
Replies: 41
Views: 2258

Re: Medical Coverage Outside US

Thank you. So the Americans face higher medical costs not only at home but also in other countries, where all others pay nothing? Victoria Ha! American victim mentality? No. Americans are not singled out. An American pays the same as a Brazilian [or anyone else from most of the countries on the pla...
by VictoriaF
Sun Jul 23, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employees considering early out - buyout?
Replies: 44
Views: 4229

Re: Federal employees considering early out - buyout?

I retired in my early 50's and believe it helped me age better with quality food eaten when I feel hungry. Plus the lack of stress and anxiety working with humans that I would never associate with in private life....Etc. SeeMoe.. :!: It hasn't been offered yet (early out or buyout) at my agency, bu...
by VictoriaF
Sat Jul 22, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 53
Views: 2282

Re: Commuters (that drive), what do you listen to?

I download MP3 podcasts to listen to while walking:
- Freakonomics (NPR)
- TED Radio (NPR)
- Invisibilia (NPR)
- Sam Harris, https://www.samharris.org/podcast

Victoria
by VictoriaF
Sat Jul 22, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: OuiGo and OuiBus: Any experience?
Replies: 1
Views: 188

OuiGo and OuiBus: Any experience?

I have just booked two trips: (1) from Paris, CDG, to Lorraine on the OuiGo train ($23.31, including extra charge for a suitcase) and (2) from Metz to CDG on the OuiBus bus ($22.20, suitcase is free) These trips are much less expensive than regular TGV trains on these dates between CDG and Lorraine/...
by VictoriaF
Fri Jul 21, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 3614

Re: Investing well for Retirement can be frustrating

Of want are you envious? If it is the car or the house, then maybe you should buy it? If not, I repeat, what do you envy? Maybe the OP is envious about being able to brag about something? I'm not sure. But: who says "it's not cool to brag about you portfolio?" Go ahead and do it, it you w...
by VictoriaF
Fri Jul 21, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 3614

Re: Investing well for Retirement can be frustrating

To put things in perspective: Until recently, even the most powerful monarchs did not have indoor toilets. Kings, emperors, czars, and shahs would envy Bogleheads' thrones. Contemplate your good fortune when either envy or nature calls. Victoria getting down to raw basics are we? and deep-seated tr...
by VictoriaF
Fri Jul 21, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 3614

Re: Investing well for Retirement can be frustrating

To put things in perspective:
Until recently, even the most powerful monarchs did not have indoor toilets. Kings, emperors, czars, and shahs would envy Bogleheads' thrones.
Contemplate your good fortune when either envy or nature calls.

Victoria
by VictoriaF
Fri Jul 21, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: Why the world's biggest investor backs the simplest investment
Replies: 25
Views: 3645

Re: Why the world's biggest investor backs the simplest investment

To the man with a hammer, everything seems like a nail. For those with their noses buried deep in finance, economics, and investing, it's very easy to get fooled by complexity. As I've posted before, once you study outside the fields of finance, economics, and investing, you find--almost to an unca...
by VictoriaF
Fri Jul 21, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: Most Americans don't trust financial advisers
Replies: 63
Views: 5695

Re: Most Americans don't trust financial advisers

As Bill Bernstein has said, if you know enough to choose an appropriate financial adviser you don't need one. From reading the Forum for over 15 years, I have noticed that the most egregious posters' financial problems resulted from their financial advisers putting them into inappropriate funds, ch...
by VictoriaF
Thu Jul 20, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 3614

Re: Investing well for Retirement can be frustrating

The Teddy Roosevelt quote, "Comparison is the thief of joy," has been of help to me. Teddy Roosevelt was an excellent president but he misunderstood the nature of comparison which is an integral feature of the human psyche. The mind always seeks a benchmark to compare various parameters t...
by VictoriaF
Thu Jul 20, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Medical Coverage Outside US
Replies: 41
Views: 2258

Re: Medical Coverage Outside US

SOME Medicare supplement plans provide partial coverage outside the US. Personally I feel very comfortable not buying additional insurance when I am traveling to western Europe. I would feel even less concerned going to Canada. Adam, why would you feel comfortable in Canada? Same reason as Europe. ...
by VictoriaF
Thu Jul 20, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1984
Views: 332277

Re: What's Your Credit Card Rewards Strategy?

Thanks. I am interested if anyone had personal experience with using CSP or CSR medical coverage and how it worked for them. Victoria If you travel a lot and if the coverage is adequate for your needs, that $450 AF might be a bargain if the travel coverage substitutes for domestic coverage. I trave...
by VictoriaF
Thu Jul 20, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 3614

Re: Investing well for Retirement can be frustrating

I guess I'm a little envious...I can't show off our success because it's on our balance sheet and not the parking lot. Ok, I feel a little better for posting that. Anyone else know where I'm coming from? Exactly where you are coming from. I can not talk personal accomplishments regarding balance sh...
by VictoriaF
Thu Jul 20, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Medical Coverage Outside US
Replies: 41
Views: 2258

Re: Medical Coverage Outside US

SOME Medicare supplement plans provide partial coverage outside the US. Personally I feel very comfortable not buying additional insurance when I am traveling to western Europe. I would feel even less concerned going to Canada. One of the injury accidents that I was privy to you, mentioned above, h...
by VictoriaF
Thu Jul 20, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Medical Coverage Outside US
Replies: 41
Views: 2258

Re: Medical Coverage Outside US

SOME Medicare supplement plans provide partial coverage outside the US. Personally I feel very comfortable not buying additional insurance when I am traveling to western Europe. I would feel even less concerned going to Canada. One of the injury accidents that I was privy to you, mentioned above, h...
by VictoriaF
Thu Jul 20, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1984
Views: 332277

Re: What's Your Credit Card Rewards Strategy?

It appears that Chase Sapphire Reserve (CSR) provides travel medical coverage, whereas Chase Sapphire Preferred (CSP) does not. Can anyone confirm this? Thank you, Victoria For any of the card perks, double check whether "medical" includes pre-existing conditions, and how those are define...
by VictoriaF
Thu Jul 20, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Medical Coverage Outside US
Replies: 41
Views: 2258

Re: Medical Coverage Outside US

Travel medical insurance is probably over-priced, because those who think they may need it are more likely to buy it. Has anyone had experience with medical insurance provided by credit cards such as Chase Sapphire Preferred/Reserved?

Victoria
by VictoriaF
Thu Jul 20, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1984
Views: 332277

Re: What's Your Credit Card Rewards Strategy?

It appears that Chase Sapphire Reserve (CSR) provides travel medical coverage, whereas Chase Sapphire Preferred (CSP) does not. Can anyone confirm this?

Thank you,
Victoria
by VictoriaF
Wed Jul 19, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Indoor activities for a 3-year-old
Replies: 61
Views: 2753

Re: Indoor activities for a 3-year-old

mak1277 wrote:Read books to him


By the time I was 3-year old I was reading books to them.

Victoria
by VictoriaF
Wed Jul 19, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 78
Views: 10182

Re: Capital One $400 bonus for new checking account

I just don't get it. They keep ramping up the rewards for being an unloyal customer, while the interest rate stays stagnant. At this point, it would not take much more of a rate increase on Ally's part to finally get me to ditch CapitalOne. The only reason I'm still with CapitalOne is because I'm s...
by VictoriaF
Wed Jul 19, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Ideas for a week in Spain
Replies: 42
Views: 2448

Re: Ideas for a week in Spain

Peter Foley wrote:If one of your plans for a day trip does not work out, you might try a day trip to Tarragona as a substitute.


Thank you, Peter!

I looked up Tarragona in my guide book: it looks wonderful and only about 1.5 hours by train. I might visit it instead of Andorra.

Victoria
by VictoriaF
Wed Jul 19, 2017 4:13 pm
Forum: Investing - Theory, News & General
Topic: The Death of Buy and Hold
Replies: 25
Views: 3088

Re: The Death of Buy and Hold

stemikger wrote:
simplesimon wrote:What principles of a buy and hold strategy does he have issues with?


+1

Don't know anything about this book, but the title sounds like financial porn.


Since this is a book about death, shouldn't it be necrophilic financial porn?

Victoria
by VictoriaF
Wed Jul 19, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Just finished reading Boglehead's Guide to Investing
Replies: 18
Views: 1072

Re: Just finished reading Boglehead's Guide to Investing

But first I must state this: after reading the book I must say that unless you have been in 2 down markets you really don't how you will react. Also, having $10,000 in the market vs $1 million in the market makes a big difference. Being in a bear market and losing $4000 is a not as painful as losin...
by VictoriaF
Wed Jul 19, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 11057

Re: Books not to read.

The Sound and Fury by Faulkner It's the only classic I've read so far that I've despised. I knew going into it that the writing technique was experimental and intentionally challenging. I was able after a while to generally keep track of what was going on in the story, but it was so much effort to ...
by VictoriaF
Wed Jul 19, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 45
Views: 3319

Re: Is Amex Platinum worth the high fees?

I just heard on the radio the other day that only 10% of people use their air miles. Can't imagine payng for a credit card. No matter what they offer. In general, it's a good idea to incorporate base rates in your assessments. However, in this case, people not using their reward miles and points ar...

Go to advanced search