Search found 18244 matches

by VictoriaF
Mon Nov 19, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 219
Views: 26977

Re: [Financial] Habits of the Rich

Folks, To each its own. There are at least two different views on money/wealth/rich. A) People that use the money to live their own lives. To this group of people, money means freedom to live their own lives without caring other's opinion. It is freedom. They may spend less on X but more on Y. It h...
by VictoriaF
Sat Nov 17, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 68
Views: 4569

Re: Cremation seminar – A better way.

Bogleheads: I have made arrangements with the University of Miami Medical Department to receive my remains from a funeral home to improve medical science. The U of M reimburses the funeral home and pays for eventual cremation of my remains. My dad showed me the benefits when he died. I appreciate h...
by VictoriaF
Fri Nov 16, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 68
Views: 4569

Re: Cremation seminar – with complimentary lunch

Do you get lunch before or after the cremation?

Victoria
by VictoriaF
Fri Nov 16, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 40
Views: 1830

Re: What convenience fees does your city charge for credit card use?

The Arlington County Park system has recently started charging 2.5% for using credit cards to enroll in their gym memberships and fitness programs. These programs are a great bargain and the fee seems negligible.

Victoria
by VictoriaF
Thu Nov 15, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7955
Views: 1619190

Re: U.S. stocks in freefall

CULater wrote:
Thu Nov 15, 2018 10:52 am
Market down another 200 points today so far. Dare we say "U.S. stocks in slowfall"?
The antonym of "free" is not "slow." That would be "obstructed fall."

Victoria
by VictoriaF
Thu Nov 15, 2018 12:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7955
Views: 1619190

Re: U.S. stocks in freefall

For those that follow TA, we filled one of two gap-ups from early November. Another one exist just below the 2700 level on the S&P. The S&P was down over 1% intraday, however, gap under 2700 was filled. Respect the volatility :beer Is there reason to believe that many Bogleheads follow TA? I unders...
by VictoriaF
Thu Nov 15, 2018 9:04 am
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 4294

Re: Does Early Retirement Make You Live Longer?

I am waiting for a study correlating having a TV and mortality. My hypothesis is that TV shortens life.

Victoria
by VictoriaF
Tue Nov 13, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Global Entry Turnaround Time ?
Replies: 28
Views: 2035

Re: Global Entry Turnaround Time ?

I applied for the GE renewal in early November. Late last week the CBP web site showed that it had been approved. I expect to receive the card this week.

I paid for the renewal with my Chase MileagePlus Explorer card, and it has immediately reimbursed me $100.

Victoria
by VictoriaF
Mon Nov 12, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7955
Views: 1619190

Re: U.S. stocks in freefall

Market is undergoing a post-election recount.

Victoria
by VictoriaF
Mon Nov 12, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming frugal
Replies: 81
Views: 10866

Re: Becoming frugal

The easiest way to be frugal is to have frugal friends. Or to have no friends. Victoria So true...for many people, their only concept of getting together is a triple digit dinner or some other pricey event. Once in a while is fine, but seems like no one is ever willing to just hang out: play board ...
by VictoriaF
Mon Nov 12, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 219
Views: 26977

Re: [Financial] Habits of the Rich

Victoria's Secrets of becoming rich : 1. Select a peer group of people you want to resemble. I bet many Bogleheads became more wealthy and more successful after they have joined the Forum. 2. Be always learning . Pursue advanced degrees, professional certifications, and marketable skills. Do NOT fo...
by VictoriaF
Mon Nov 12, 2018 4:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7955
Views: 1619190

Re: U.S. stocks in freefall

willthrill81 wrote:
Mon Nov 12, 2018 11:30 am
Wow, stocks are down significantly today. Any idea what 'big news' is causing this?
It's a Thanksgiving turkey. (Hint: Read The Black Swan.)

Victoria
by VictoriaF
Mon Nov 12, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 219
Views: 26977

Re: [Financial] Habits of the Rich

Victoria's Secrets of becoming rich : 1. Select a peer group of people you want to resemble. I bet many Bogleheads became more wealthy and more successful after they have joined the Forum. 2. Be always learning . Pursue advanced degrees, professional certifications, and marketable skills. Do NOT fo...
by VictoriaF
Sun Nov 11, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10566

Re: Favorite "free stuff"?

"Stuff" is not free, it takes space and energy. I prefer free events, which are plentiful in the D.C. area: - Think tanks (Brookings, Cato, CSIS, Wilson Center, Carnegie) - Federal Government (FTC conferences) - Embassy events And, of course, there are free Smithsonian museums and memorials on the N...
by VictoriaF
Sat Nov 10, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3251

Re: USPS - Informed delivery - complain on missing items?

Brian Krebs has an interesting article up today: https://krebsonsecurity.com/2018/11/u-s-secret-service-warns-id-thieves-are-abusing-uspss-mail-scanning-service/ U.S. Secret Service Warns ID Thieves are Abusing USPS’s Mail Scanning Service "A year ago, KrebsOnSecurity warned that “Informed Delivery...
by VictoriaF
Mon Nov 05, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming frugal
Replies: 81
Views: 10866

Re: Becoming frugal

The easiest way to be frugal is to have frugal friends. Or to have no friends.

Victoria
by VictoriaF
Sat Nov 03, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 112
Views: 9332

Re: What are you learning or studying?

It is sure amazing what is available on Coursera, YouTube, etc, and even picking up an old text book- curious what y'all are learning for fun! Another thing I have read recently and trying to implement is self-experimentation. The key reference is Seth Roberts's paper, https://escholarship.org/uc/i...
by VictoriaF
Sat Nov 03, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?
Replies: 180
Views: 11032

Re: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?

As a retiree, I can access all the Washington DC attractions including free museums, free events at embassies, free panels and seminars at think tanks, and many others. I have always found your descriptions of attending panels and seminars at think tanks in D.C. very intriguing. That does sounds li...
by VictoriaF
Sat Nov 03, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 112
Views: 9332

Re: What are you learning or studying?

Since my last post in this thread, I have taken several Coursera courses. Now, I am in the middle of the Neuroeconomics course.

Victoria
by VictoriaF
Sat Nov 03, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 51
Views: 2374

Re: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

TravelforFun wrote:
Sat Nov 03, 2018 10:30 am
I look at Associated Press News daily. It's one of the most neutral news sites out there.

TravelforFun
Thanks. I have checked APN out and will visit it again.

Victoria
by VictoriaF
Sat Nov 03, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 51
Views: 2374

Re: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

patrick wrote:
Sat Nov 03, 2018 11:09 am
Nothing. There is more than enough news out there for free.
More is not always better, and in this case it is worse.

The problem is not to get news but to get credible news.

Victoria
by VictoriaF
Sat Nov 03, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: What is an "advanced" investor?
Replies: 34
Views: 2578

Re: What is an "advanced" investor?

An advanced investor is a specie that: - knows by heart the financial terminology and acronyms - uses only ticker symbols to refer to stocks and mutual funds - assumes that financial newsletter writers are his friends - brags about his lucky purchases - forgets quickly about his bad calls - justifie...
by VictoriaF
Sat Nov 03, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 51
Views: 2374

Re: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

My main source of news is the NPR. If they mention something that I want to learn more about, I search the web. I used to subscribe to The Economist and consider it the best print medium. However, I always wanted to read everything in The Economist and it was taking too much of my time. I used to th...
by VictoriaF
Sat Nov 03, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?
Replies: 180
Views: 11032

Re: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?

There's no such thing as apples to apples . There is nowhere in Kansas with the nightlife, concerts, professional sports teams, restaurants, art, and museums to be found in the NYC area. Then why they call NYC Big Apple ? Indulging in a lot of those city extras is incompatible with saving a lot. Ge...
by VictoriaF
Fri Nov 02, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate = 0.5%
Replies: 86
Views: 7644

Re: I Bond fixed rate = 0.5%

GoldStar wrote:
Fri Nov 02, 2018 2:22 pm
Clever_Username wrote:
Fri Nov 02, 2018 2:20 pm
Looking forward to buying my 2019 sets in January and February.
But what if the rate goes up to 0.75 in May or November? :wink:
I worry about 1.25% fixed in May. 1.25%. Going once. Going twice...

Victoria
by VictoriaF
Fri Nov 02, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?
Replies: 180
Views: 11032

Re: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?

Every RETIRED person currently living in a HCOL area will be more financially independent if they move to a LCOL area. They may not like to make that change, leaving family, friends, or an area they really like. As soon as I retired, I moved to a higher cost of living area in Northern Virginia next...
by VictoriaF
Tue Oct 30, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: 'Smart money' bailing on the market, time to get out?
Replies: 92
Views: 12260

Re: Smart money bailing on the market, time to get out?

I have not seen Taleb using the word "gabish." He is very careful with his vocabulary. Other than that, I cheer you as a fellow Taleb fan and envious of you because I can't read him in French. Victoria I also find Taleb fun to read, though I am not sure I would qualify him as 'careful' with his voc...
by VictoriaF
Wed Oct 24, 2018 10:32 pm
Forum: Investing - Theory, News & General
Topic: The ship metaphor
Replies: 24
Views: 2018

Re: The ship metaphor

I think I understand the ship logo of the Vanguard fund, and the «stay the course» slogan. As long as it is smooth sailing, it is easy to stay on course. In january when the sea got more choppy and waves got bigger, it was harder but still managable. Now it seems we’ve reached a cataract that is fl...
by VictoriaF
Wed Oct 24, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 16869

Re: Where would you go for financial guidance if you win the Megamillions?

A couple hours ago I was performing in an improvisation show. The audience has requested for me to be sad about a lottery ticket. This thread has helped. Thanks!

Victoria
by VictoriaF
Wed Oct 24, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: What keeps you up at night?
Replies: 56
Views: 6103

Re: Retirees: What keeps you up at night?

My major concerns:
1. Living up to my ambitions and plans
2. Cyber security

These concerns are perpetual and evolving, but they don't disturb my sleep. If I stayed up at night that would have created the 3rd concern.

Victoria
by VictoriaF
Wed Oct 24, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 16869

Re: Where would you go for financial guidance if you win the Megamillions?

I live in South Carolina and I am having little problem. Well, make that "HUGE" problem. It is the HUGEST problem :-) No I am not from South Carolina but I do wonder if we will get a new person here from South Carolina asking about how to invest the recent windfall. You have two problems: 1. You ar...
by VictoriaF
Wed Oct 24, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 70
Views: 7903

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

I think I will be able to keep GEHA-HDHP with HRA instead of HSA. But, when the time comes, I will check out other options, too. Your BIL's plan looks good. Victoria You can keep the GEHA-HDHP with the HRA but you should realize that the GEHA-HDHP won't pay for Medicare deductibles or co-pays under...
by VictoriaF
Tue Oct 23, 2018 10:00 pm
Forum: Investing - Theory, News & General
Topic: 'Smart money' bailing on the market, time to get out?
Replies: 92
Views: 12260

Re: 'Smart money' bailing on the market, time to get out?

My smart money are:
- George Washington
- Abraham Lincoln
- Alexander Hamilton
- Andrew Jackson
- Benjamin Franklin

None of them is bailing out, as far as I know.

Victoria
by VictoriaF
Tue Oct 23, 2018 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 70
Views: 7903

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

1. Reference for the "$100/month for a margin call ": I am currently using the FEHB GEHA HDHP for $125/month. When I become eligible for Medicare, Medicare will provide primary coverage, and I will continue paying $125/month with small annual increases for the secondary coverage. If I develop a ser...
by VictoriaF
Tue Oct 23, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 16869

Re: Where would you go for financial guidance if you win the Megamillions?

Guy who runs the mega millions lottery says the first thing you should do if you win is to sign the ticket. It could be stolen and claimed by someone else. However, I wonder if you want to sign your own name to the ticket, or should you get an attorney to create a trust or LLC to claim the ticket t...
by VictoriaF
Tue Oct 23, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: 'Smart money' bailing on the market, time to get out?
Replies: 92
Views: 12260

Re: Smart money bailing on the market, time to get out?

Why do you qualify it as 'investment porn'? I started following them on Twitter because smart people like Cliff Asness, Nassim Nicholas Taleb or Jim O'Shaughnessy follow Zerohedge on Twitter too. So I concluded that it's probably good stuff, unless these people were just following it for a laugh. R...
by VictoriaF
Tue Oct 23, 2018 7:08 am
Forum: Investing - Theory, News & General
Topic: 'Smart money' bailing on the market, time to get out?
Replies: 92
Views: 12260

Re: Smart money bailing on the market, time to get out?

(2) Stop reading Zerohedge. It's the worst sort of investment porn. Why do you qualify it as 'investment porn'? I started following them on Twitter because smart people like Cliff Asness, Nassim Nicholas Taleb or Jim O'Shaughnessy follow Zerohedge on Twitter too. So I concluded that it's probably g...
by VictoriaF
Tue Oct 23, 2018 7:04 am
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 70
Views: 7903

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

DO NOT assume that if you "live right" it wont happen to you. I do not assume that if I live right, cancer, Alzheimer's or something like that will not happen to me. I do assume that if I live right, the probability of a serious disease affecting me would be lower, the severity of the disease would...
by VictoriaF
Tue Oct 23, 2018 6:57 am
Forum: Investing - Theory, News & General
Topic: 'Smart money' bailing on the market, time to get out?
Replies: 92
Views: 12260

Re: Smart money bailing on the market, time to get out?

(2) Stop reading Zerohedge. It's the worst sort of investment porn. Why do you qualify it as 'investment porn'? I started following them on Twitter because smart people like Cliff Asness, Nassim Nicholas Taleb or Jim O'Shaughnessy follow Zerohedge on Twitter too. So I concluded that it's probably g...
by VictoriaF
Tue Oct 23, 2018 6:47 am
Forum: Personal Consumer Issues
Topic: What do you spend your money on outside of expenses and investments?
Replies: 23
Views: 1712

Re: What do you spend your money on outside of expenses and investments?

International travel.
Domestic travel.
Comedy classes.
Writing classes.
Books.

Victoria
by VictoriaF
Tue Oct 23, 2018 6:40 am
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 70
Views: 7903

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

Having a medical insurance is good. Having two insurances is even better. When I become eligible for Medicare I will get Medicare Part B and will keep my FEHB insurance. Some Federal retirees are planning to forego either Part B or FEHB, but I prefer to pay for partly overlapping coverage than to p...
by VictoriaF
Mon Oct 22, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 70
Views: 7903

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

... To keep this actionable how does one protect themselves from this financial threat? Insurance. Having a medical insurance is good. Having two insurances is even better. When I become eligible for Medicare I will get Medicare Part B and will keep my FEHB insurance. Some Federal retirees are plan...
by VictoriaF
Mon Oct 22, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 70
Views: 7903

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

... To keep this actionable how does one protect themselves from this financial threat? Insurance. Having a medical insurance is good. Having two insurances is even better. When I become eligible for Medicare I will get Medicare Part B and will keep my FEHB insurance. Some Federal retirees are plan...
by VictoriaF
Mon Oct 22, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 32
Views: 2689

Re: Do I need laptop software?

You can reuse your old Microsoft Office product key on the new laptop.

I like Microsoft Office and don't trust free alternatives. I also don't like the idea of a Chromebook where everything is in the cloud. But of course, this depends on how you are using your MS Office.

Victoria
by VictoriaF
Sat Oct 20, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 16869

Re: Where would you go for financial guidance if you win the Megamillions?

Don't bother with small change. Skip this Friday and play for 3 commas next week. Victoria What makes you so certain that *I* will not win the jackpot this Friday? I have already planned on how to handle the prize money. Please don't throw monkey wrenches in my plan. 20 Oct 2018: I told you! Victoria
by VictoriaF
Fri Oct 19, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11317

Re: What do you consider 'enough'?

madbrain wrote:
Thu Oct 18, 2018 5:01 am
Depends. Retiring on Mars might be expensive.
They may accept Moon Rocks.

Victoria
by VictoriaF
Fri Oct 19, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 79
Views: 4945

Re: Personal Adventure - recommendations

I have been looking at reports on the Camino during the winter months. This looks promising despite some snow and mud. Actually it seems to present a bit more of an interesting challenge in winter conditions. I've no experience in winter months, but note that a lot of albergues will be closed, and ...
by VictoriaF
Thu Oct 18, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6604

Re: Did you retire because you hit your number?

To me Saturday means people are out crowding the stores and the restaurants! You know you're retired when you're annoyed by holidays because things are closed and you can't get done what you wanted to. LOL... so true, and we never go shopping on a weekend. I mostly agree. One exception is my comedy...
by VictoriaF
Thu Oct 18, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 79
Views: 4945

Re: Personal Adventure - recommendations

I googled the Camino and hit this guy https://francistapon.com/Travels/Spain-Trails/10-Reasons-Why-El-Camino-Santiago-Sucks then this https://blog.nullnfull.com/2014/11/03/camino-sucks-reply/ Oh Boy, its a debate. I have seen the same for a lot of the various ideas. Maybe I should add a criteria "t...
by VictoriaF
Thu Oct 18, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 16869

Re: Where would you go for financial guidance if you win the Megamillions?

Don't bother with small change. Skip this Friday and play for 3 commas next week.

Victoria