Search found 15074 matches

by VictoriaF
Wed Feb 10, 2016 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Large amount of CDs maturing....what to do?
Replies: 139
Views: 11762

Re: Large amount of CDs maturing....what to do?

Sometimes, procrastination pays. Literally. I have finally transferred $20k into a Navy Fed IRA to get a 2% special CD. The special now additionally includes a $100 bonus and a 0.5% bump for new accounts. The good news is that I will be getting 2.5% APY for the next 20 months. The "bad" ne...
by VictoriaF
Wed Feb 10, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: How to deal with dentist phobia
Replies: 25
Views: 1880

Re: How to deal with dentist phobia

I enjoy my dentist visits tremendously. Really! In my early life I was exposed to the Soviet dentistry with slow drills and no anesthesia. There were rumors that the American dentistry was more advanced and virtually painless, but they were dismissed as propaganda. When I finally had the first-hand ...
by VictoriaF
Wed Feb 10, 2016 10:51 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1352
Views: 277649

Re: What Book Are You Currently Reading? Part VI

I just finished J. K. Rowling's "A Casual Vacancy." I enjoyed it. I seem to recall it got mixed reviews when published. I've read a few of her Harry Potter books, but not all. I've read and generally enjoyed her detective series written as Robert Galbraith. It's billed as "a big nove...
by VictoriaF
Wed Feb 10, 2016 10:46 am
Forum: Personal Consumer Issues
Topic: The Retirement Problem: What Will You Do With All That Time?
Replies: 33
Views: 2036

Re: The Retirement Problem: What Will You Do With All That Time?

I am retired, and I have a problem getting enough time to accomplish all the things I want to accomplish. - I am writing a book about behavioral economics of the Camino de Santiago. - I am conducting independent research of applications of behavioral economics. - I am planning to teach a course on b...
by VictoriaF
Tue Feb 09, 2016 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Plan on your Credit Card Getting Hacked once a year....Some Tips....
Replies: 61
Views: 2607

Re: Plan on your Credit Card Getting Hacked once a year....Some Tips....

Retail vendors (Target, etc.) are even more breach prone than I had thought. I recently listened to a webcast about protection of identities. A security firm has surveyed a large number of U.S. retailers and discovered that most of them didn't have unique identities for their users. At the lowest le...
by VictoriaF
Tue Feb 09, 2016 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Large amount of CDs maturing....what to do?
Replies: 139
Views: 11762

Re: Large amount of CDs maturing....what to do?

Kevin M wrote:Just checked PenFed web page, and now seeing only 1.26% APY for 15-month CD.

Kevin


Wow! It's gone fast. Thank you, Kevin,

Victoria
by VictoriaF
Mon Feb 08, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1352
Views: 277649

Re: What Book Are You Currently Reading? Part VI

A few people have highly recommended this book. Is it really life changing? Victoria Haven't read it but apropos just signed up on Amazon for "The Life-Changing Magic of Not Giving a F#ck. How to Stop Spending Time You Don't Have with People You Don't Like Doing Things You Don't Want to Do&quo...
by VictoriaF
Mon Feb 08, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: Anyone travel without hacking?
Replies: 64
Views: 5572

Re: Anyone travel without hacking?

Feel free to message me with any questions you have, I could go on and on forever about this stuff lol. Some good resources are the Reddit Churning site and Flyertalk. As far as blogs I would recommend Travel is Free, Doctor of Credit, Miles Per Day, all of the Saverocity blogs, Travel with Grant, ...
by VictoriaF
Mon Feb 08, 2016 12:28 pm
Forum: Personal Consumer Issues
Topic: Traveling in Retirement
Replies: 57
Views: 4214

Re: Traveling in Retirement

A commonly stated goal for retirement is to spend time traveling. If you hope to enjoy traveling later as a hobby, why not make time for it now? Who knows if we'll make it to retirement anyway? I think this is a false dichotomy that many early retirement skeptics trot out. It seems some people thin...
by VictoriaF
Mon Feb 08, 2016 12:24 pm
Forum: Personal Consumer Issues
Topic: Traveling in Retirement
Replies: 57
Views: 4214

Re: Traveling in Retirement

In defense of teens, I became a grumpy teen when traveling for only one reason: snoring. Maybe bring a tent for them, and close the windows and run the hvac in the camper? Eventually you may have to do that for your spouse, too, although then you'd have to fight over who gets the RV and who gets th...
by VictoriaF
Mon Feb 08, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: Traveling in Retirement
Replies: 57
Views: 4214

Re: Traveling in Retirement

There are some trips that are less likely in retirement because the amount of walking can be exhausting. Think of the cool places in Europe that has a bit of cobblestone or the uneven terrains in very light scenic hikes. There are some things that cannot be put off if you want to enjoy them. I agre...
by VictoriaF
Mon Feb 08, 2016 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Large amount of CDs maturing....what to do?
Replies: 139
Views: 11762

Re: Large amount of CDs maturing....what to do?

The Penfed 15 month CD that people are touting here yields 1.51% at maturity. The Pioneer Valley FCU 57 month CD (6 mo EWP) would yield 1.58% if withdrawn after 15 months, and that yield would increase with every additional month held. So why would anybody choose the PF 15 mo over the PV 57 mo? PV ...
by VictoriaF
Sun Feb 07, 2016 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: World-class Worrier Trying to Reassure Another
Replies: 27
Views: 1969

Re: World-class Worrier Trying to Reassure Another

However, I think you also have to consider that the worry is not based on logic but rather is just "something she does" - i.e. it could be $10 million and she would still worry. If that is the case, a broader strategy of self help around managing worry might be more effective as all the l...
by VictoriaF
Sun Feb 07, 2016 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: World-class Worrier Trying to Reassure Another
Replies: 27
Views: 1969

Re: World-class Worrier Trying to Reassure Another

A "worrier" is not a compliment, just as a "perfectionist" is not a compliment. Both are weaknesses that must be acknowledged and mitigated. The family in question has sufficient assets for their current needs. They may also have some savings in retirement that are not available ...
by VictoriaF
Sun Feb 07, 2016 2:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1436
Views: 274501

Re: What Movie Have You Recently Watched?

I have just finished reading The World in 2016, a special issue by The Economist. In an article Do you speak 2016? it notes:
The Economist wrote:"Netflix and chill" became known in 2015 for a sexual hookup, but when such things become too widely known, they lose their frisson."


Victoria
by VictoriaF
Sun Feb 07, 2016 1:47 pm
Forum: Personal Consumer Issues
Topic: Traveling in Retirement
Replies: 57
Views: 4214

Re: Traveling in Retirement

Not sure how to pose this without coming off somewhat badly... Why did you think your question could be offensive? A commonly stated goal for retirement is to spend time traveling. If you hope to enjoy traveling later as a hobby, why not make time for it now? Who knows if we'll make it to retiremen...
by VictoriaF
Sun Feb 07, 2016 1:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2692
Views: 534775

Re: U.S. stocks in freefall

I don't understand the "holding forever" argument. Victoria: The primary use of "holding forever" in taxable accounts is primarily because if we exchange a profitable fund we usually must pay a capital-gain tax, leaving that much less to invest in a new fund. I agree that it doe...
by VictoriaF
Sun Feb 07, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Raw Honey?
Replies: 34
Views: 2519

Re: Raw Honey?

I drank raw whole milk for years when I lived in another location. It is not legal in my current location, but it is easy to find pasteurized but not homogenized milk here. I'd prefer raw and would drink that if I could. I would drink raw milk too, if I could find it. Frankly, I have not been looki...
by VictoriaF
Sun Feb 07, 2016 12:27 pm
Forum: Personal Consumer Issues
Topic: Anyone travel without hacking?
Replies: 64
Views: 5572

Re: Anyone travel without hacking?

Is there perhaps a silent majority of people who travel without using credit card bonuses? I don't do much travel hacking at all. Beats me if I'm in the majority. I always wonder as I walk through the first class section what those folks do for a living. I know what I make, and I know where that pl...
by VictoriaF
Sun Feb 07, 2016 12:13 pm
Forum: Investing - Theory, News & General
Topic: NYT article on Vanguard lawsuit
Replies: 9
Views: 1640

Re: NYT article on Vanguard lawsuit

Let me quote Bill Bernstein (bold is mine): You are engaged in a life-and-death struggle with the financial services industry . Every dollar in fees, expenses, and spreads you pay them comes directly out of your pocket. If you act on the assumption that every broker, insurance salesman, mutual fund ...
by VictoriaF
Sun Feb 07, 2016 11:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2692
Views: 534775

Re: U.S. stocks in freefall

"You shouldn't buy an index fund because you think it's a hot performer. Buy it because you're going to hold it forever," Bogle recently told Money magazine. I don't understand the "holding forever" argument. My financial planning is based on the assumption that my assets must s...
by VictoriaF
Fri Feb 05, 2016 2:44 pm
Forum: Personal Consumer Issues
Topic: Anyone travel without hacking?
Replies: 64
Views: 5572

Re: Anyone travel without hacking?

Drew, I've got lots of time and love to travel. Can you get me started on sources of info on maximizing credit card rewards? Many people recommend reading FlyerTalk, but for me it's the last resort. FT uses a lot of my browser resources and is very slow (for me). I started out by getting low-hangin...
by VictoriaF
Fri Feb 05, 2016 2:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 104
Views: 7992

Re: Roll Call for the Retirement Class of 2016!

Victoria, Please change my date for retirement to February 4th. It seems that I earned some extra credit after all and am enjoying my first day of freedom at 63.7. No more teachers, no more books, no more bosses' dirty looks. Congratulations with your retirement! For a moment, I read your second pa...
by VictoriaF
Fri Feb 05, 2016 2:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 104
Views: 7992

Re: Roll Call for the Retirement Class of 2016!

mule wrote:For me it is Feb. 29th, 2016 age 59. I regret working this last year because I could have went.

Thanks for this thread and add me to the class of 2016.


Done. The date is nearing -- Congratulations!

Victoria
by VictoriaF
Fri Feb 05, 2016 1:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 104
Views: 7992

Re: Roll Call for the Retirement Class of 2016!

Class of 2016 as of 05 February 2016: xx xxx - Miriam2 29 Feb - supalong52 (35) 29 Feb - cornellbuds 29 Feb - mule (59) <-- Welcome to the Class! 01 Mar - MP1233 (58) 15 Mar - Beth* <-- updated 31 Mar - jimmd 31 Mar - Bir48die xx Apr - Merlin (58) 01 Apr - dowse (64) 01 Apr - Joe Bladi-Blada (54) 0...
by VictoriaF
Wed Feb 03, 2016 3:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1436
Views: 274501

Re: What Movie Have You Recently Watched?

Banff Mountain Film Festival World Tour 2016 : Washington, D.C. Program-C . It's a fantastic annual event, and it becomes increasingly difficult to get tickets. Tickets are sold within a few minutes. I am fortunate to have a friend who works for National Geographic and alerted me to the sale and th...
by VictoriaF
Wed Feb 03, 2016 3:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 104
Views: 7992

Re: Roll Call for the Retirement Class of 2016!

I now have a firm retirement date: March 15. However, I also have a part-time job lined up starting in the summer, so I'm not sure whether this still counts as retirement. I will be taking a couple months off after March 15 to decompress and then starting the part-time job which should be much lowe...
by VictoriaF
Tue Feb 02, 2016 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Silent Investor Owed Lots of Money
Replies: 33
Views: 2361

Re: Silent Investor Owed Lots of Money

Sounds like a storyline to an episode of American Greed. It's not uniquely American. Recently, a friend told me about his 80-year old relative in a different country who's spent tens of thousands of dollars on his girlfriend's breast enlargement. Victoria Did you mean that to be singular? I assume ...
by VictoriaF
Tue Feb 02, 2016 5:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 104
Views: 7992

Re: Roll Call for the Retirement Class of 2016!

schachtw wrote:Wayne & Marla - January 2016
Checked and double checked with VPA, everything looks good.


January 2016 is gone. Is it a typo?

Victoria
by VictoriaF
Tue Feb 02, 2016 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Silent Investor Owed Lots of Money
Replies: 33
Views: 2361

Re: Silent Investor Owed Lots of Money

supersharpie wrote:Sounds like a storyline to an episode of American Greed.


It's not uniquely American. Recently, a friend told me about his 80-year old relative in a different country who's spent tens of thousands of dollars on his girlfriend's breast enlargement.

Victoria
by VictoriaF
Tue Feb 02, 2016 4:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 104
Views: 7992

Re: Roll Call for the Retirement Class of 2016!

April Fools Day 2016. Can't wait Welcome! Retirement, of course, is about full-time fooling around. {kidding, again} Victoria You can say that again. Today is February Fools' Day here at the beach. So was yesterday. To quote who was quoted to me as Fats Waller (but who knows), "Shoot me while ...
by VictoriaF
Tue Feb 02, 2016 4:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 104
Views: 7992

Re: Roll Call for the Retirement Class of 2016!

Bir48die wrote:April Fools Day 2016. Can't wait


Welcome! Retirement, of course, is about full-time fooling around. {kidding, again}

Victoria
by VictoriaF
Tue Feb 02, 2016 4:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 104
Views: 7992

Re: Roll Call for the Retirement Class of 2016!

cornellbuds wrote:Add me to the list: Leap Day is my last day worked...
Onward and Upward,


Done.

Is it a leap of faith? {just kidding}

Victoria
by VictoriaF
Tue Feb 02, 2016 4:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 104
Views: 7992

Re: Roll Call for the Retirement Class of 2016!

Class of 2016 as of 02 February 2016: <-- replaced by an updated list ... 29 Feb - cornellbuds <-- Welcome to the Class! 01 Apr - Bir48die <-- Welcome to the Class! Have graduated: 01 Jan - nonurseorpurse <-- Welcome to the Class! Congratulations with your retirement! Currently, 28 class members. V...
by VictoriaF
Tue Feb 02, 2016 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Retirement - Ten key years + Summary
Replies: 64
Views: 10316

Re: Retirement - Ten key years

Two key lifestyle decisions that work for me are: 1. Live in a large city 2. Do not have a TV Living in an apartment within an 8-minute walk to the Washington, DC, metro and 22 minute walk to Georgetown, I have an easy access to a great number and great variety of city activities, many of which are ...
by VictoriaF
Tue Feb 02, 2016 9:48 am
Forum: Personal Consumer Issues
Topic: Stovetop Tea Kettle Recommendations?
Replies: 22
Views: 1430

Re: Stovetop Tea Kettle Recommendations?

Have you considered a glass kettle? The top seller on Amazon apparently doesn't hold up. I have purchased Medelco 12-Cup Glass Stovetop Whistling Kettle and I am pleased with it. When I put it on my gas stove, I place it a bit off center so that the handle is farther from the flame. When I take off...
by VictoriaF
Mon Feb 01, 2016 12:43 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1352
Views: 277649

Re: What Book Are You Currently Reading? Part VI

Couple Mechanics by Nelly Alard, translation from French. I have heard a discussion of this book on one of the NPR programs and decided to read it. The book is about a married couple. The story starts when the husband calls to tell his wife that he can't go with her to the movies, because his girlf...
by VictoriaF
Mon Feb 01, 2016 12:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 104
Views: 7992

Re: Roll Call for the Retirement Class of 2016!

Lynette wrote:I'm officially June 30.

I'm still getting over the shock of how much Medicare B and D premiums and surcharges are going to cost me! I should have retired years ago.

Victoria, thanks for keeping this Roll Call.


Done! Looking forward to your reports from the retirement front.

Victoria
by VictoriaF
Sun Jan 31, 2016 4:25 pm
Forum: Forum Issues and Administration
Topic: BOGLEHEADS.COM AND BOGLEHEADS.NET
Replies: 51
Views: 4610

Re: BOGLEHEADS.COM AND BOGLEHEADS.NET

Thank you, Serge and Mel.

Another strike against financial advisers.

Victoria
by VictoriaF
Sun Jan 31, 2016 4:17 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1436
Views: 274501

Re: What Movie Have You Recently Watched?

Banff Mountain Film Festival World Tour 2016 : Washington, D.C. Program-C . It's a fantastic annual event, and it becomes increasingly difficult to get tickets. Tickets are sold within a few minutes. I am fortunate to have a friend who works for National Geographic and alerted me to the sale and th...
by VictoriaF
Sun Jan 31, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1436
Views: 274501

Re: What Movie Have You Recently Watched?

The Best of Monty Python: Graham Chapman (on DVD).

I didn't know much about Chapman, and his best sketches were good but not what I would consider "the best." I then read his biography. Chapman was a medical doctor who chose to be a comedian. He died at the age of 48.

Victoria
by VictoriaF
Sun Jan 31, 2016 4:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 104
Views: 7992

Re: Roll Call for the Retirement Class of 2016!

Class of 2016 as of 01 February 2016: <-- replaced by an updated list
...
30 June - Lynette <-- Updated the date on 01 Feb 2016
06 Dec - steve roy <-- Welcome to the Class!

Currently, 26 class members.

Victoria
by VictoriaF
Sat Jan 30, 2016 12:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard introducing 0.01% expense ratio funds
Replies: 24
Views: 4621

Re: Vanguard introducing 0.01% expense ratio funds

livesoft wrote:Probably Warren Buffett, Bill Gates, and some of my other friends asked for it.


Do 3B Bogleheads posts count?

Victoria
by VictoriaF
Fri Jan 29, 2016 5:09 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 9379

Re: What is your favorite Financial Quote or Metaphor??

This thread has run its course. (LadyGeek)

Victoria
by VictoriaF
Fri Jan 29, 2016 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: 7 strategies rich people use to pay less in taxes
Replies: 9
Views: 2260

Re: 7 strategies rich people use to pay less in taxes

The title of the article has two click baits "rich people" and "less in taxes." Avoid it.

Victoria
by VictoriaF
Fri Jan 29, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: Rain, what rain?
Replies: 17
Views: 1450

Re: Rain, what rain?

The January miracle turned into the January fizzle. Only folks in California would understand. I am not in California and I don't understand. However, my pet peeve is that Californians have a tacky habit of introducing themselves as being from "sunny California." Perhaps, some rain will m...
by VictoriaF
Fri Jan 29, 2016 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Do you listen to or watch Financial entertainment?
Replies: 16
Views: 587

Re: Do you listen to or watch Financial entertainment?

The only financial program I am really interested in is annual Bogleheads conferences. At these events, the information is timely, comprehensive, and correct. Bogleheads.org is a great resource, but it features some information that conflicts with the Bogleheads philosophy including advocating certa...
by VictoriaF
Fri Jan 29, 2016 10:09 am
Forum: Personal Consumer Issues
Topic: Which news source do you use?
Replies: 67
Views: 4234

Re: Which news source do you use?

Bustoff wrote:I find the BBC news channel more pleasant. They are much less dramatic than their American counterparts, and they speak rather softly, which is nice.


I agree. In the D.C. area, NPR broadcasts BBC News Hour from 09:00 to 10:00, Monday through Friday. On weekends, I miss them.

Victoria
by VictoriaF
Thu Jan 28, 2016 5:17 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 9379

Re: What is your favorite Financial Quote or Metaphor??

Making a million is easy. You start with ten million. (Who?)

Victoria
by VictoriaF
Thu Jan 28, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: Which news source do you use?
Replies: 67
Views: 4234

Re: Which news source do you use?

The Economist.
NPR.
Google news and other web sources when I am particularly interested in a developing story.

Victoria

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