Search found 17603 matches

by VictoriaF
Sat Apr 21, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Interesting vs higher paying job
Replies: 27
Views: 1855

Re: Interesting vs higher paying job

- "Interesting" is difficult to evaluate and compare. - "Money" is easy to evaluate and compare. ==> Thus, if you follow the money, you know what you are getting and you are less likely to deceive yourself. - An interesting job may turn out to be uninteresting. Or a job that is interesting in the be...
by VictoriaF
Sat Apr 21, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 50
Views: 4244

Re: New retirees: so whatdayathink ?

orange goggles when using electronic devices You can probably program your electronics to put out less blue light (especially in the evening), then you do not need goggles Thank you, I will look into it. What I like about orange goggles is how cheap, simple, and effective this solution is. It's an ...
by VictoriaF
Sat Apr 21, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 50
Views: 4244

Re: New retirees: so whatdayathink ?

TresBelle65 wrote:
Sat Apr 21, 2018 12:01 pm
I'm curious about the Epsom salt baths. In our family, we've used them in the case of sprained ankles, but nothing more.

What are the other benefits?
My reasons for using Epsom salt baths are that they supply magnesium, help with muscle cramps, and help to fall asleep.

Victoria
by VictoriaF
Sat Apr 21, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 3834

Re: Costco Free Screenings

My Costco screening story: The free screening was scheduled in my location on 21 April 2018, from 10am to 4pm. I usually come to Costco on weekdays and thought that on Saturday, it may be better to come in the afternoon after most weekend customers are gone. I arrived to Costco at about 2:30pm. The ...
by VictoriaF
Sat Apr 21, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 50
Views: 4244

Re: New retirees: so whatdayathink ?

2015 wrote:
Sat Apr 21, 2018 11:39 am
retirement can be an unprecedented opportunity to drop all of those stories in exchange for unlimited possibility
Beautifully said. Thanks!

Victoria
by VictoriaF
Sat Apr 21, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 50
Views: 4244

Re: New retirees: so whatdayathink ?

And a year and a half later I like waking up in the morning without any goals to achieve. Well, I do have some but I should call them soft-goals. Nobody is going to hold me accountable for not achieving them. And I have nothing to prove - even to myself. In this respect, retirement has been the kin...
by VictoriaF
Sat Apr 21, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: NYT article: Everyone should hire a financial planner
Replies: 90
Views: 5895

Re: NYT article: Everyone should hire a financial planner

https://www.nytimes.com/2018/04/20/smarter-living/why-you-should-hire-a-financial-planner.html?action=click&module=Smarter%20Living&pgtype=Homepage “I liken it to WebMD. You can look up symptoms, but there’s a limit to what you can do with that information,” Mr. Brown explained. “Finance is the sam...
by VictoriaF
Sat Apr 21, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 50
Views: 4244

Re: New retirees: so whatdayathink ?

orange goggles when using electronic devices You can probably program your electronics to put out less blue light (especially in the evening), then you do not need goggles Thank you, I will look into it. What I like about orange goggles is how cheap, simple, and effective this solution is. It's an ...
by VictoriaF
Sat Apr 21, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 50
Views: 4244

Re: New retirees: so whatdayathink ?

3. I have always led a healthy life and don't have any diseases. But recently I started reading about and implementing advanced health-related activities such as intermittent fasting, barefoot shoes, Epsom salt baths, cold showers, orange goggles when using electronic devices, and a bed of nails . ...
by VictoriaF
Fri Apr 20, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 50
Views: 4244

Re: New retirees: so whatdayathink ?

I see it often said that you need to retire to something, not from something. Or words to that effect. While that is true, don't be afraid to change things up and take a different path than you originally planned. I agree with you. I have attended a workshop and read the book "Designing Your Life" ...
by VictoriaF
Fri Apr 20, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: How do I make sure IRS receives my manual tax return ?
Replies: 84
Views: 4965

Re: How do I make sure IRS receives my manual tax return ?

Funny thing about estimated payments is that you never get any receipt or any paperwork telling you how much you have already paid. What if you forgot about making the estimated payments or telling that to the person who is preparing your taxes from all the available paperwork? Will IRS correct the...
by VictoriaF
Fri Apr 20, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 50
Views: 4244

Re: New retirees: so whatdayathink ?

3. I have always led a healthy life and don't have any diseases. But recently I started reading about and implementing advanced health-related activities such as intermittent fasting, barefoot shoes, Epsom salt baths, cold showers, orange goggles when using electronic devices, and a bed of nails . ...
by VictoriaF
Fri Apr 20, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 50
Views: 4244

Re: New retirees: so whatdayathink ?

I am 3.5 years into my retirement. I have not had major surprises, but there are some things that are different from my initial plans. 1. My interest in travel has diminished. I am still traveling, but this year it will be 80 to 90 days away from home instead of 120 days in the first two years. I am...
by VictoriaF
Fri Apr 20, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: How do I make sure IRS receives my manual tax return ?
Replies: 84
Views: 4965

Re: How do I make sure IRS receives my manual tax return ?

Regarding tax fraud: There is real possibility that your tax account may get breached and criminals would get a refund in your name, preventing you from filing taxes electronically. There are several things you can do to mitigate different aspects of this potential problem: 1. Create your own accoun...
by VictoriaF
Fri Apr 20, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: How do I make sure IRS receives my manual tax return ?
Replies: 84
Views: 4965

Re: How do I make sure IRS receives my manual tax return ?

I just mailed mine today from my local post office. They gave me tracking numbers. I can check the tracking numbers and find out when it arrived at its destination. They, state and federal, were postmarked April 16th. That's exactly what I did. I mailed my taxes on the 16th. Today, on the 20th, as ...
by VictoriaF
Fri Apr 20, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: How do I make sure IRS receives my manual tax return ?
Replies: 84
Views: 4965

Re: How do I make sure IRS receives my manual tax return ?

Some but not all years I mail my return from the post office. Often, I need to see if the envelope needs extra postage beyond a single first-class stamp. I almost always owe some money so when I see the check hit my account I know they got the return. I too mail from the post office. Until this yea...
by VictoriaF
Fri Apr 20, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 7907

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

If the OP purchased an SPIA paying him $75k with generous inflation adjustments, he would have a safe retirement. MikeG already wrote a nice reply about it. My question to the BH community is "why there is so much emphasis on safety without really understanding the basic underlying reasoning as to ...
by VictoriaF
Fri Apr 20, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 3834

Re: Costco Free Screenings

I wonder if this is a smart way for Costco to provide a public service along with helping itself. It's advertisement for the pharmacy and health products and gets some shoppers in the doors. Also, employees might use it and stay healthier or they may be required to do some testing/education that re...
by VictoriaF
Wed Apr 18, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 3834

Re: Costco Free Screenings

Bah. I am within walking distance of the one in New Jersey in Lawrenceville and am there about three to five times a week. And of course all they have this year is osteoporosis screening on the schedule which is for females. But I must say it is scheduled for April 18th and I have seen no signs at ...
by VictoriaF
Wed Apr 18, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 7907

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

If the OP purchased an SPIA paying him $75k with generous inflation adjustments, he would have a safe retirement. MikeG already wrote a nice reply about it. My question to the BH community is "why there is so much emphasis on safety without really understanding the basic underlying reasoning as to ...
by VictoriaF
Wed Apr 18, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 7907

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

It's very reassuring to have SS and/or a good pension for part of retirement expenses, but do you really think a 2.5% withdrawal rate is unsafe, even for a long retirement? If so, why do you think that? The unsafe part is not the 2.5% withdrawal rate but the 50/50 portfolio stipulated by the OP. He...
by VictoriaF
Wed Apr 18, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 92
Views: 4267

Re: Termination of transfers from SPG and Marriott to airlines?

You are right! I did transfer 40k SPG, and thus have lost 12.5k potential AA miles. As for the hindsight bias, I insist that it is taking place. Last week, you thought that it was premature to discuss the consequences of the Marriott/SPG merger. But you could not have 100% confidence that you were ...
by VictoriaF
Wed Apr 18, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 3834

Re: Costco Free Screenings

New member here, enjoying this fine forum. I took the free diabetes screening at Costco a couple of years ago. It was a weekend, the store was busy, and I stumbled upon the testing station. There were about five staff, probably nurses, located between the cash registers and pharmacy, in a kiosk tha...
by VictoriaF
Wed Apr 18, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 7907

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

No, I would not be comfortable. The stock market has helped me to accumulate the assets. But I would not rely on it paying my living expenses for the rest of my life. Victoria It's very reassuring to have SS and/or a good pension for part of retirement expenses, but do you really think a 2.5% withd...
by VictoriaF
Tue Apr 17, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 157
Views: 9736

Re: Is Los Angeles a good place long term to live financially?

3. Find a beautiful woman to marry who has a high net worth, and hopefully being in a big city like LA I’d find someone The best market for beautiful rich women is New York City. If you are any good, organize an auction. Victoria Did you just recommend that he auction himself off? :) Auctions are q...
by VictoriaF
Tue Apr 17, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 157
Views: 9736

Re: Is Los Angeles a good place long term to live financially?

3. Find a beautiful woman to marry who has a high net worth, and hopefully being in a big city like LA I’d find someone The best market for beautiful rich women is New York City. If you are any good, organize an auction. Victoria Did you just recommend that he auction himself off? :) Auctions are q...
by VictoriaF
Tue Apr 17, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 92
Views: 4267

Re: Termination of transfers from SPG and Marriott to airlines?

Correction, Your Honor! I have lost only 6,250 miles. By transferring 20k from SPG to AA, I got 25k AA miles. If I waited until today, I would have gotten 31.5k AA miles. I feel the loss. But I did the best I could with the information I had at the time. Faulting me for that decision now is a hinds...
by VictoriaF
Tue Apr 17, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 157
Views: 9736

Re: Is Los Angeles a good place long term to live financially?

GrayS26 wrote:
Tue Apr 17, 2018 3:55 pm

3. Find a beautiful woman to marry who has a high net worth, and hopefully being in a big city like LA I’d find someone
The best market for beautiful rich women is New York City. If you are any good, organize an auction.

Victoria
by VictoriaF
Tue Apr 17, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 7907

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

No, I would not be comfortable. The stock market has helped me to accumulate the assets. But I would not rely on it paying my living expenses for the rest of my life. Victoria You are retired now. How you are paying for your living expenses? Pension? Or something else? Do you suggest the OP should ...
by VictoriaF
Tue Apr 17, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 7907

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

No, I would not be comfortable. The stock market has helped me to accumulate the assets. But I would not rely on it paying my living expenses for the rest of my life. Victoria It's very reassuring to have SS and/or a good pension for part of retirement expenses, but do you really think a 2.5% withd...
by VictoriaF
Tue Apr 17, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 92
Views: 4267

Re: Termination of transfers from SPG and Marriott to airlines?

And OP just lost out the 25% bonus (10K AA miles) for acting on a rumor. 10K is not that much but it would have hurt if it was a 400K SPG to AA without the bonus. https://www.aa.com/i18n/aadvantage-program/miles/partners/hotels/convert-hotel-points-to-miles.jsp 25% conversion bonus for 5 hotel part...
by VictoriaF
Tue Apr 17, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: The World in 2050 — GDP & Stock Market Capitalization
Replies: 52
Views: 3754

Re: The World in 2050 — GDP & Stock Market Capitalization

I would be 98 and dont want to be alive. Seriously, we cannot predict how immigration flows will go, how various things will happen, and whether moon occupancy will be an option. I will choose the moon or Mars if I have a choice. Shoot for the moon. Moon is made of blue cheese which is healthier th...
by VictoriaF
Tue Apr 17, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 3834

Re: Costco Free Screenings

Bah. I am within walking distance of the one in New Jersey in Lawrenceville and am there about three to five times a week. And of course all they have this year is osteoporosis screening on the schedule which is for females. But I must say it is scheduled for April 18th and I have seen no signs at ...
by VictoriaF
Mon Apr 16, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 7907

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

No, I would not be comfortable. The stock market has helped me to accumulate the assets. But I would not rely on it paying my living expenses for the rest of my life.

Victoria
by VictoriaF
Mon Apr 16, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 3834

Re: Costco Free Screenings

Have been a Costco member for many years, but never saw any free screening in the warehouse. It could be a regional thing? It seems so. Looking at the spreadsheet, they appear to rotate screenings across the states. In April, some states get heart screening, others blood glucose, others bone densit...
by VictoriaF
Mon Apr 16, 2018 5:20 pm
Forum: Investing - Theory, News & General
Topic: Class Action suit against DDD?
Replies: 13
Views: 1993

Re: Class Action suit against DDD?

I thought it was a suit against a bra size.

Victoria
by VictoriaF
Mon Apr 16, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 3834

Costco Free Screenings

I have stumbled upon a spreadsheet with a schedule of free screenings at Costco locations around the U.S.A., https://m.costco.com/wcsstore/CostcoUSBCCatalogAssetStore/rx/HealthWellnessClinicSchedule.pdf I don't remember this benefit of Costco membership being discussed. Have Bogleheads used this fre...
by VictoriaF
Mon Apr 16, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Blood pressure monitor - 2 users w/ different size arms
Replies: 12
Views: 452

Re: Blood pressure monitor - 2 users w/ different size arms

If you get a blood pressure monitor from Costco and it does not work, you can return it.

Victoria
by VictoriaF
Mon Apr 16, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 122
Views: 6634

Re: BH travel tips?

But when I am traveling, I drink free water that comes from a faucet. Victoria A false economy in many countries, although foreign hospitals often make for interesting sightseeing diversions. I have visited Nepal, Ecuador, Peru, Mexico, and Guatemala without hospital sightseeing. My more recent tri...
by VictoriaF
Mon Apr 16, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 122
Views: 6634

Re: BH travel tips?

y; I have gotten into places where I have run out of water and held back at paying several dollars for a bottle of water that I could get at a grocery store for a quarter. That was a mistake since I got dehydrated and grumpy and ruined the afternoon. Now if I run out of water I just buy the overpri...
by VictoriaF
Sun Apr 15, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 122
Views: 6634

Re: BH travel tips?

Get Global Entry. It will let you to board faster via TSA PreCheck and to go through the customs faster on you return from abroad. Victoria I suspect that, like me, many Bogelheads are old enough to often get free TSA PreCheck from the airlines and are too cheap with their $$ and time to get Global...
by VictoriaF
Sun Apr 15, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 122
Views: 6634

Re: BH travel tips?

If you’re going to use an ATM to get cash in the country’s currency be sure your spouse has an ATM card too, preferably in his/her own name. A bank ATM in Greece ate my card on a holiday which would have left us with very limited funds. We found another ATM and used my wife’s card with no problem. ...
by VictoriaF
Sat Apr 14, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 122
Views: 6634

Re: BH travel tips?

Get Global Entry. It will let you to board faster via TSA PreCheck and to go through the customs faster on you return from abroad.

Victoria
by VictoriaF
Sat Apr 14, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 122
Views: 6634

Re: BH travel tips?

I travel abroad without any telephones, smartphones, or computers. This allows me to focus on the people and places I visit rather than the electronics. And I have fewer concerns about theft.

Victoria
by VictoriaF
Sat Apr 14, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 39953

Re: Name something you had to have and now you regret purchasing it?

tesuzuki2002 wrote:
Fri Apr 13, 2018 3:26 pm
badbreath wrote:
Tue Sep 05, 2017 8:30 pm
My wife

I'm just kidding
:shock: :shock: :oops: :oops: :sharebeer :sharebeer
Do you also regret badbreath's wife?

Victoria
by VictoriaF
Sat Apr 14, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 92
Views: 4267

Re: Termination of transfers from SPG and Marriott to airlines?

OP is speculating upon a speculation. There is some event soon but it is speculation that it is about SPG/Marriott program and it is speculation program will merge August and it is also speculation no airline transfer option. It's also speculation that program award chart will be dynamic priced bas...
by VictoriaF
Fri Apr 13, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 92
Views: 4267

Re: Termination of transfers from SPG and Marriott to airlines?

I have seen no reliable source that the airline transfer will be eliminated without notice. I plan on holding on to my Marriott and SPG miles....for now. I fully agree that the rumors about termination of transfers are unreliable. However, I am thinking of this as a Pascal's Wager. If the transfers...
by VictoriaF
Fri Apr 13, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Taxes: Do you have to pay in equal installments?
Replies: 45
Views: 9275

Re: Re:

One should not get in tax trouble if later quarters have higher annualized income tax (due to higher income). However, it may be necessary to file with the tax return Form 2210 with Schedule AI (Annualized Income Installment Method) completed. Schedule AI documents what the income tax liability was...
by VictoriaF
Fri Apr 13, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 92
Views: 4267

Re: Termination of transfers from SPG and Marriott to airlines?

I have seen no reliable source that the airline transfer will be eliminated without notice. I plan on holding on to my Marriott and SPG miles....for now. I fully agree that the rumors about termination of transfers are unreliable. However, I am thinking of this as a Pascal's Wager. If the transfers...
by VictoriaF
Fri Apr 13, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Taxes: Do you have to pay in equal installments?
Replies: 45
Views: 9275

Re: Estimated Taxes: Do you have to pay in equal installments?

I over-estimate my estimated taxes for the year and pay equal installments in the 1st, 2nd and 3rd quarters. By the 4th quarter, I have a pretty good idea of my tax liability and reduce the amount of my estimated taxes for the 4th quarter accordingly. In the past, I would not have minded paying extr...