Search found 18503 matches

by VictoriaF
Sun Apr 14, 2019 2:11 pm
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 89
Views: 7394

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS OPEN ANNOUNCEMENT

Not sure why you're amazed and surprised since we sell out shortly after I make the announcement each year. If you read my announcement, you'll see the warning to respond promptly or get shut out. That's a fact; it's not a sales pitch. Here's what it said: Hi Mel, This will be my 13th Bogleheads co...
by VictoriaF
Sun Apr 14, 2019 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 283
Views: 46764

Re: Improving the TSP [for current participants]

Thank you both. Please mark your calendars for June 17th, when the proposed regulations will be published for public comment. We need to make sure the paperwork involved with taking monthly or other periodic withdrawals of our money from our TSP accounts is not burdensome. I'd like to see the propo...
by VictoriaF
Sun Apr 14, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665460

Re: What's Your Credit Card Rewards Strategy?

Victoria, In the last week of September of 2017 I applied for one of the SouthWest cards. One week later I applied for the 2nd Chase SouthWest card. In doing so I was able to pick up the SouthWest Companion pass at the start of the next year. This was back when SW was allowing people to apply for t...
by VictoriaF
Sun Apr 14, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 283
Views: 46764

Re: Improving the TSP [for current participants]

According to their February 2019 minutes, the Federal Retirement Thrift Investment Board remains on target to implement expanded withdrawal options on September 15, 2019. Here's a link to the Board's minutes, where this topic is discussed on pages 6-7: MichDad, I am grateful for your updates. I sho...
by VictoriaF
Thu Apr 11, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Torment from the IRS
Replies: 16
Views: 2294

Re: Torment from the IRS

If the IRS doesn't accept my check, I will send them a truck with $101,000,000 worth of pennies.

Victoria
by VictoriaF
Thu Apr 11, 2019 10:22 am
Forum: Investing - Theory, News & General
Topic: Navy FCU 40 month 3.75% IRA/ESA Cert
Replies: 15
Views: 1756

Re: NFCU 40 month 3.75% IRA/ESA Cert

I have opened this CD but it was some hassle to move money into it. Specifically, moving money from PenFed took a long time, and only after I called them, they have transferred the money. Transfer from Vanguard to NFCU was much faster. That's surprising to me. I have always been able to transfer mo...
by VictoriaF
Thu Apr 11, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665460

Re: What's Your Credit Card Rewards Strategy?

For those considering getting Chase IHG card with the 80k + 40k = 120k bonus, I have seen bloggers posting the end date of the offer on May 1st, 2019. See for example, Doctor of Credit, https://www.doctorofcredit.com/targeted-chase-ihg-premier-up-to-120000-points/ I want to get Chase-IHG, but I have...
by VictoriaF
Tue Apr 09, 2019 8:07 am
Forum: Investing - Theory, News & General
Topic: Navy FCU 40 month 3.75% IRA/ESA Cert
Replies: 15
Views: 1756

Re: NFCU 40 month 3.75% IRA/ESA Cert

I have opened this CD but it was some hassle to move money into it. Specifically, moving money from PenFed took a long time, and only after I called them, they have transferred the money. Transfer from Vanguard to NFCU was much faster.

Victoria
by VictoriaF
Tue Apr 09, 2019 7:41 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665460

Re: What's Your Credit Card Rewards Strategy?

I’d get the MPE for the bonus if you have no bette choices, but not as a keeper or use it for ongoing spend. One thing I'm wondering about: United offers expanded award availability to MPE cardholders. It'll be interesting to see whether or not this benefit becomes more valuable as time goes on. It...
by VictoriaF
Mon Apr 08, 2019 11:41 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665460

Re: What's Your Credit Card Rewards Strategy?

You might also want to look at using AA miles from Europe. BA (and VS) stick it to folks leaving the US even round trip with the surcharges. A one way from Europe/UK could be cheaper but I haven't priced it out on economy tickets so not sure how much cheaper. Excellent idea! I can use UA miles to t...
by VictoriaF
Mon Apr 08, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665460

Re: What's Your Credit Card Rewards Strategy?

There is no doubt that United devaluing is going to hurt UR's value especially for those flying on United metal. At this time United is keeping their partner awards the same but the pricing on their flights will become dynamic. It probably means less outsize value especially for those who travel du...
by VictoriaF
Mon Apr 08, 2019 9:14 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665460

Re: What's Your Credit Card Rewards Strategy?

... My favorite redemption now is 30k UA miles + $6 for day flights in Economy from IAD to London (LHR). What should I expect when the United plan comes into effect? If the answer is "nobody knows," I am still curious about likely scenarios. Victoria Expect to get award prices in lockstep with cash...
by VictoriaF
Mon Apr 08, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665460

Re: What's Your Credit Card Rewards Strategy?

Hi Victoria, At this time, no one knows is probably the right answer, but given how United has copied Delta with everything, it is likely they will go the Delta SkyMiles route which is essentially based on demand. With SkyMiles, if it is a high demand route on that particular day and time, the SkyM...
by VictoriaF
Mon Apr 08, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: Personal information management: Zettelkasten / The Brain / Scrivener
Replies: 17
Views: 1699

Re: Personal information management: Zettelkasten / The Brain / Scrivener

Victoria, In the link you provided that reviews of Zkn3, Daniel, the creator of Zkn3, addresses some of the critiques voiced in the review (in the comment's section.) He answers that that files can be exported as CSV, plain text, etc. He goes on to comment on some of the other critiques. Overall, Z...
by VictoriaF
Mon Apr 08, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665460

Re: What's Your Credit Card Rewards Strategy?

Travel bloggers are angry about a recent announcement by United that they will eliminate award charts. Some blog visitors claim that it will make Chase's URs useless. I would like to understand the implications of the United's changes to adjust my credit card applications and points earning strategi...
by VictoriaF
Tue Apr 02, 2019 8:04 am
Forum: Personal Consumer Issues
Topic: CitiBusiness AA bonus AFTER getting CitiPersonal AA Bonus?
Replies: 17
Views: 702

Re: CitiBusiness AA bonus AFTER getting CitiPersonal AA Bonus?

Citi-AA bonus and CitiBuz-AA bonus are decoupled; you should be able to get both at about the same time. Customer Service Representatives are frequently more ignorant than posters in FlyerTalk. If you have business and personal expenses you should keep then on separate cards, don't you? But you must...
by VictoriaF
Mon Apr 01, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: Personal information management: Zettelkasten / The Brain / Scrivener
Replies: 17
Views: 1699

Re: Personal information management: Zettelkasten / The Brain / Scrivener

I decided to try Zkn3, http://zettelkasten.danielluedecke.de/en/ by Daniel Luedecke. Update: I have downloaded the program, but could not find the instructions for using it and got sidetracked into following various links. This article gave me a pause, "Switching from Zkn³ to a Plain Text Approach"...
by VictoriaF
Mon Apr 01, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: Personal information management: Zettelkasten / The Brain / Scrivener
Replies: 17
Views: 1699

Re: Personal information management: Zettelkasten / The Brain / Scrivener

Here is some more information on using Sublimetext. The author uses Sublimetext for his note taking. http://www.dansheffler.com/blog/2015-05-11-my-zettelkasten-in-sublime/ You might be familiar with him as he participated in the zettelkasten.de website (a lot of back and forth with authors in the c...
by VictoriaF
Mon Apr 01, 2019 6:15 pm
Forum: Personal Consumer Issues
Topic: Personal information management: Zettelkasten / The Brain / Scrivener
Replies: 17
Views: 1699

Re: Personal information management: Zettelkasten / The Brain / Scrivener

I own the book too, and it has clarified some steps in the process as well. Have you seen his presentation? He covers the core concepts from his book: https://vimeo.com/275530205 autodidact Autodidact, Watching Sonke Ahrens's presentation was very useful for me. It's true that the core concepts are...
by VictoriaF
Mon Apr 01, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665460

Re: What's Your Credit Card Rewards Strategy?

Ketawa wrote:
Mon Apr 01, 2019 1:40 pm
FWIW, here are a few of my stats from the rewards game. I started heavily in this game a little over 5 years ago. Since then:
...
Great job!

Victoria
by VictoriaF
Mon Apr 01, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 12401

Re: Folks in their 60s and above. What early investment on health do you recommend.

I'll get off the soap-box now... Thank you for having stood on the soap-box. The problem is that refined sugar is deeply ingrained in the American life. Girl-scouts are famous for their cookies -- and forcing these cookies on everyone around them (and around their parents). Female politicians brag ...
by VictoriaF
Mon Apr 01, 2019 12:58 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 5206

Re: Help on Women and Investing

Yes, there apparently is a lack of confidence among some women in investing and general money management. I don’t know how prevalent it is, or how much more prevalent it is among women than men, or how much it affects their investment strategy, but it’s there. I don't know the prevalence either. My...
by VictoriaF
Mon Apr 01, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 12401

Re: Folks in their 60s and above. What early investment on health do you recommend.

By the way, many of the most toxic mushrooms, e.g. Amanita species, have toxins that are not sensitive to heat, but you will thankfully not find these in any market. However, if you hunt your own fungi, that's different; you really need to know what you are doing. Or maybe have your own private liv...
by VictoriaF
Mon Apr 01, 2019 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665460

Re: What's Your Credit Card Rewards Strategy?

It’s also a bit of a game to maximize rewards with minimal share of mind. And games are important in our lives. Someone who has been following the Bogleheads philosophy for many years, has established his Three Fund Portfolio or something like that, and put his investment process on autopilot -- he...
by VictoriaF
Sun Mar 31, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 12401

Re: Folks in their 60s and above. What early investment on health do you recommend.

Minimize or avoid caffeine. It causes vasoconstriction (raises blood pressure by narrowing arteries) and in the long term is not good for you. So stop going to Starbucks and save a few hundred a year you can devote to a nice hiking trip in the mountains. Coffee, black tea, and green tea have health...
by VictoriaF
Sun Mar 31, 2019 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 149
Views: 17636

Re: Why should FEHB members buy Medicare Part B?

FEHB could go away, or become more expensive, or lose much of its appeal. It is within the realm of possibilities. Yes, those are all possibilites though they appear to be quite remote and on the same scale of possibilites as the Congress and the President enacting legislation to take away or dimin...
by VictoriaF
Sun Mar 31, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: Best enhancement for folks who work from home
Replies: 42
Views: 3962

Re: Best enhancement for folks who work from home

1. Windows providing natural light during the day.
2. No disruptions.
3. No noise.
4. No commute.

Victoria
by VictoriaF
Sun Mar 31, 2019 7:37 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 5206

Re: Help on Women and Investing

Owing to individual differences (nature and nurture) some people - men and women - will be more interested in investing than others and also will approach it differently, e.g., passively or actively, conservatively or aggressively, with or without sufficient self-control, alone or DIY. But as has b...
by VictoriaF
Sun Mar 31, 2019 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 149
Views: 17636

Re: Why should FEHB members buy Medicare Part B?

In my opinion, you should base your decision not on other people's experiences but on risk calculations. For example, assume that you will need to get Medicare Part B 15 years from now and will live for 15 years after that. Calculate how much you would be saving by not having Part B for 15 years an...
by VictoriaF
Sun Mar 31, 2019 6:49 pm
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 406
Views: 38315

Re: I don't understand the case for EE bonds

Strictly out of curiosity, I wonder if anyone is currently buying EE bonds now that you can get a 5 year CD paying 3.51% . Yes, there is reinvestment risk, but it's far more liquid than EE bonds. Just speaking for myself, buying CDs in an IRA has been a hassle. It takes way more micro managing than...
by VictoriaF
Sun Mar 31, 2019 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 149
Views: 17636

Re: Why should FEHB members buy Medicare Part B?

I was also hoping to hear from any fed retirees who did not take Part B! Please chime in!! I turn 65 this year. My intention is to opt out of Part B since I would have to pay the IRMAA ($433 per mo for 2019 for 4 months, and $370 per mo for 2020; not sure about the level of IRMAA for the remaining ...
by VictoriaF
Sun Mar 31, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 259
Views: 21290

Re: "The best and worst U.S. states for retirement"

The cost of living in California depends on a couple of factors people outside California may not be aware of. 1.) If one had bought their house before 1978 and never moved, the property tax would be very low, due to proposition 13. 2.) Housing cost & labor cost are very high in some parts of Calif...
by VictoriaF
Sun Mar 31, 2019 5:19 pm
Forum: Personal Consumer Issues
Topic: Best place to buy Microsoft Office 2019....
Replies: 85
Views: 6102

Re: Best place to buy Microsoft Office 2019....

Hosted software comes with a different cost profile; someone has to pay for operating and maintaining the servers. But in any case, a good marketer would actually price the subscription and perpetual license options as NPV equivalent (assuming the features are identical) for the customer. Pricing h...
by VictoriaF
Sun Mar 31, 2019 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665460

Re: What's Your Credit Card Rewards Strategy?

What's Your Credit Card Rewards Strategy? I do not have one. I consider credit card rewards as very small potatoes. My time and energy is much better spent elsewhere. I used to think that, but with all bonuses out there, between up front bonuses and rewards you easily earn thousands of dollars a ye...
by VictoriaF
Sun Mar 31, 2019 4:36 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 5206

Re: Help on Women and Investing

In my opinion, the best investing education comes from good books such as the Bogleheads guides and books by Bill Bernstein, Oblivious Investor (Mike Piper), and other Bogleheads authors. Eric Tyson's For Dummies guides are another good source. You can't learn investing from a discussion with an exp...
by VictoriaF
Sun Mar 31, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 12401

Re: Folks in their 60s and above. What early investment on health do you recommend.

I have recently learned about the site Alzheimer's Universe, https://www.alzu.org/ . The site has advice for both healthcare providers and the public. Some advice target 30-year olds. In my subjective ranking of common causes of death, Alzheimer's is worse than cancer, and cancer is worse than a car...
by VictoriaF
Sun Mar 31, 2019 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665460

Re: What's Your Credit Card Rewards Strategy?

... IHG points enable me to spend a night near IAD before a morning flight to London and another night near LHR before the next-day flight to my actual destination. I have booked these itineraries for August 2019 and New Year 2019-2020, and now I am running out of my IHG points. A question to the B...
by VictoriaF
Sun Mar 31, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665460

Re: What's Your Credit Card Rewards Strategy?

My next credit card will be IHG Premier credit card that comes with a bonus of 80k points after spending $2k in the first 3 months and additional 40k points for spending additional $3k in the next 3 months. It has an annual fee of $89. More specifically: - If I wait until August to get the card, ho...
by VictoriaF
Sun Mar 31, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Best place to buy Microsoft Office 2019....
Replies: 85
Views: 6102

Re: Best place to buy Microsoft Office 2019....

I might end up buying Office 2019 (flat fee) in a year or two, just because it is glaringly obvious that this will probably be the last version without a recurring subscription... I am not in a rush though. If Microsoft supports its stand-alone versions for 10 years (see the discussion above about ...
by VictoriaF
Sun Mar 31, 2019 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665460

Re: What's Your Credit Card Rewards Strategy?

My next credit card will be IHG Premier credit card that comes with a bonus of 80k points after spending $2k in the first 3 months and additional 40k points for spending additional $3k in the next 3 months. It has an annual fee of $89. I became interested in this card when I was investigating day-t...
by VictoriaF
Sun Mar 31, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Valuing retirement years
Replies: 35
Views: 3500

Re: Valuing retirement years

When valuing retirement years, most people assume that their life would proceed similarly in the employed and retired states. That's not necessarily the case. A retired person can: - get more and more regular sleep - get more fresh air - get more exercise - have less stress - eat healthier - engage ...
by VictoriaF
Sun Mar 31, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665460

Re: What's Your Credit Card Rewards Strategy?

My next credit card will be IHG Premier credit card that comes with a bonus of 80k points after spending $2k in the first 3 months and additional 40k points for spending additional $3k in the next 3 months. It has an annual fee of $89. I became interested in this card when I was investigating day-ti...
by VictoriaF
Sun Mar 31, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Best place to buy Microsoft Office 2019....
Replies: 85
Views: 6102

Re: Best place to buy Microsoft Office 2019....

. . . Also, I think the comments about no security updates for old versions of Office are off base (at least for 2010 and newer versions of Microsoft Office). I am not sure about other versions but I checked the Office update history by opening one of the Office applications and then clicking File,...
by VictoriaF
Thu Mar 28, 2019 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 51
Views: 5646

Re: Primer on Paying Taxes With a Credit Card

I have not tried this before since I was using a 2% travel card (CapitalOne Venture) and so the 1.87% fee didn't provide much of a rate spread. But now I have the BofA Premium Rewards card with the 2.625% cash back. The problem is that my federal + state quarterly tax payment is about three times m...
by VictoriaF
Wed Mar 27, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Personal information management: Zettelkasten / The Brain / Scrivener
Replies: 17
Views: 1699

Re: Personal information management: Zettelkasten / The Brain / Scrivener

Evernote? New CEO promises a better Windows experience. I briefly considered Evernote but decided that it does suit my needs. Most Evernote users want to capture information on the move, from different locations and devices. Thus, the information must reside in the Evernote's cloud. I work in a sta...
by VictoriaF
Wed Mar 27, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Personal information management: Zettelkasten / The Brain / Scrivener
Replies: 17
Views: 1699

Re: Personal information management: Zettelkasten / The Brain / Scrivener

Victoria, I enjoy reading entries from takingnotenow. The posting frequency has decreased but the website is full of gold nuggets. The author translated one of Luhmann’s essays where Luhmann talks about his index card note taking system: http://luhmann.surge.sh/ He also wrote a detail piece on Conn...
by VictoriaF
Tue Mar 26, 2019 9:00 am
Forum: Personal Consumer Issues
Topic: Personal information management: Zettelkasten / The Brain / Scrivener
Replies: 17
Views: 1699

Re: Personal information management: Zettelkasten / The Brain / Scrivener

Victoria, I've been lurking in the Bogleheads forums for years and have enjoyed your thoughtful comments. A few days ago I did a Google search on Zettel and Scrivener and found this post. I created an account to respond to your post. autodidact, Welcome to the Forum. And thank you for a detailed re...
by VictoriaF
Sun Mar 24, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: Three Days in DC
Replies: 83
Views: 3569

Re: Three Days in DC

If you're into Italian Renaissance art, the National Gallery of Art has a Tintoretto exhibit. Washington Post did a writeup on it (https://www.washingtonpost.com/entertainment/museums/tintoretto-was-brilliant-and-ambitious-this-new-exhibition-shows-he-was-also-sublimely-weird/2019/03/20/da1c4fc2-4a...
by VictoriaF
Sat Mar 23, 2019 7:25 am
Forum: Personal Consumer Issues
Topic: Waiting 1 month before buying anything about $25
Replies: 16
Views: 1924

Re: Waiting 1 month before buying anything about $25

I seldom go to physical stores and buy most items on Amazon. Some of my Amazon purchases are motivated by rapid price changes. For example, I consider buying something and put it on my Wish List. Soon afterwards, the price becomes significantly higher than at the time when I put it on the list (I ke...
by VictoriaF
Sat Mar 23, 2019 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 149
Views: 17636

Re: Why should FEHB members buy Medicare Part B?

If you're making comparisons from one plan to another, I wouldn't consider the annual maximum to be a major point, as both GEHA standard and BCBS-Basic operate as secondary insurance plans to Medicare B, and the likelihood that you'll bump against that maximum would appear very remote, as I believe...