Search found 15415 matches

by VictoriaF
Mon Aug 01, 2016 8:03 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal 2%, 20 month CD
Replies: 1
Views: 699

Re: Navy Federal 2%, 20 month CD

Great to know. Thanks!

Victoria
by VictoriaF
Mon Aug 01, 2016 7:59 pm
Forum: Personal Consumer Issues
Topic: Microsoft is still offering free Windows 10 upgrades
Replies: 42
Views: 2026

Re: Microsoft is still offering free Windows 10 upgrades

I have an Asus laptop that I purchased in 2012. It has Windows 7 Home Premium on it. The automatic updates have always been on. I have never received a single notice or offer to upgrade to Win 10. Nada. Nuthin' Very strange. :confused Banjo (_)=='=~ With such rare luck you should try your hand in P...
by VictoriaF
Mon Aug 01, 2016 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 12970

Re: SSA MANDATORY cell phone based multifactor authentication

Brian Krebs wrote today an article on this topic. He reminded us about another threat vector: if one does NOT have an SSA account, a crook can open a fraudulent account on his behalf. The new authentication requirements increase account security of those who already have SSA accounts; it does not he...
by VictoriaF
Mon Aug 01, 2016 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Living in various places 4 months out of the year.
Replies: 43
Views: 3356

Re: Living in various places 4 months out of the year.

Several years ago I was considering living abroad, moving from country to country after staying in each for several months. Then I thought of living in Florida in winter and somewhere in Europe in summer, about 6 months each. Eventually, I decided that moving is too disruptive and I am better off ke...
by VictoriaF
Mon Aug 01, 2016 7:30 pm
Forum: Personal Consumer Issues
Topic: What makes people succeed?
Replies: 69
Views: 5508

Re: What makes people succeed?

In my opinion, most people are average in term of luck. There's individual luck, and systemic luck in terms of time and place. I benefited from that. I was a science grad student during a time when there was a severe engineer shortage. So I was hired into a company where I wouldn't even get and int...
by VictoriaF
Mon Aug 01, 2016 7:15 pm
Forum: Personal Consumer Issues
Topic: Microsoft is still offering free Windows 10 upgrades
Replies: 42
Views: 2026

Re: Microsoft is still offering free Windows 10 upgrades

I have just watched a presentation and skimmed a white paper about Windows 10 by Aryeh Goretsky, http://www.welivesecurity.com/2016/06/15/windows-10-security-privacy-depth-review-analysis/ . Goretsky discloses that he is an MVP, Microsoft Most Valuable Professional, and thus some pro-Microsoft bias ...
by VictoriaF
Mon Aug 01, 2016 6:58 pm
Forum: Personal Consumer Issues
Topic: NYT cautionary tale on the cloud
Replies: 37
Views: 3922

Re: NYT cautionary tale on the cloud

1. Which cloud storage do you recommend? Dropbox, GoogleDrive and Microsoft OneDrive are the largest and most likely to survive an industry consolidation. If you keep copies of the most critical stuff on at least two, in addition to local backups, you should be OK. That said, there are at least 22 ...
by VictoriaF
Mon Aug 01, 2016 6:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 198
Views: 19936

Re: Roll Call for the Retirement Class of 2016!

I started the thread for the class of 2017 but now you can add me to the class of 2016. July 29, 2016 to be exact. Got laid off from my IT job due to offshoring to India last Friday. Saw it coming but it was more of a psychological jolt than I anticipated. I'm just recovering from a 2 day hangover....
by VictoriaF
Mon Aug 01, 2016 6:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 198
Views: 19936

Re: Roll Call for the Retirement Class of 2016!

Class of 2016 as of 01 Aug 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 - Aric...
by VictoriaF
Sat Jul 30, 2016 6:38 pm
Forum: Personal Consumer Issues
Topic: NYT cautionary tale on the cloud
Replies: 37
Views: 3922

Re: NYT cautionary tale on the cloud

I agree with those advocating multiple diverse backups. What are your recommendations: 1. Which cloud storage do you recommend? 2. Do you additionally encrypt before sending files to the cloud, independently from the cloud provider? I am researching this for my own files and have seen recommendation...
by VictoriaF
Sat Jul 30, 2016 6:34 pm
Forum: Personal Consumer Issues
Topic: NYT cautionary tale on the cloud
Replies: 37
Views: 3922

Re: NYT cautionary tale on the cloud

Curious that no one in this thread is discussing the article itself. It seems like a sensationalist op-ed about one specific case with legal issues that is all of 3 days old. I don't know what's going to happen, but the article was written by Chicken Little. I have read the article but I don't have...
by VictoriaF
Sat Jul 30, 2016 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 12970

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 ...
by VictoriaF
Sat Jul 30, 2016 12:15 am
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 41
Views: 1889

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 [now RESCINDED]
Replies: 168
Views: 12970

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: 29
Views: 3249

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 [now RESCINDED]
Replies: 168
Views: 12970

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: 140
Views: 9834

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 [now RESCINDED]
Replies: 168
Views: 12970

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 [now RESCINDED]
Replies: 168
Views: 12970

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 [now RESCINDED]
Replies: 168
Views: 12970

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: 41
Views: 1889

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: 69
Views: 5508

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: 140
Views: 9834

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: 140
Views: 9834

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: 140
Views: 9834

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: 45
Views: 3423

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: 198
Views: 19936

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: 198
Views: 19936

Re: Roll Call for the Retirement Class of 2016!

Class of 2016 as of 28 July 2016: <-- replaced by an updated list
...

Have graduated:
...
05 May - overwhelmed (64) <-- Welcome to the Class! Congratulations with your retirement!


Currently, 48 class members.

Victoria
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: 140
Views: 9834

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: 3627

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: 8692

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: 1771
Views: 422219

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: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 14761

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: 3371

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: 1771
Views: 422219

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: 18152

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: 1523

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: 3335

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: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 14761

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: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 14761

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: 4090

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: 8072

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: 2955

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: 13087

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: 2955

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: 2955

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: 304

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: 1771
Views: 422219

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: 2955

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...

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