Search found 17585 matches

by VictoriaF
Wed Apr 18, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 16
Views: 2490

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: 116
Views: 7159

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: 116
Views: 7159

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: 87
Views: 3783

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: 16
Views: 2490

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: 116
Views: 7159

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: 108
Views: 5648

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: 108
Views: 5648

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: 87
Views: 3783

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: 108
Views: 5648

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: 116
Views: 7159

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: 116
Views: 7159

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: 87
Views: 3783

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: 3660

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: 16
Views: 2490

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: 116
Views: 7159

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: 16
Views: 2490

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: 1936

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: 16
Views: 2490

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: 440

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: 119
Views: 6019

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: 119
Views: 6019

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: 119
Views: 6019

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: 119
Views: 6019

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: 119
Views: 6019

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: 119
Views: 6019

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: 39879

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: 87
Views: 3783

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: 87
Views: 3783

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: 9242

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: 87
Views: 3783

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: 9242

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...
by VictoriaF
Fri Apr 13, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 87
Views: 3783

Termination of transfers from SPG and Marriott to airlines?

Several travel/credit card bloggers have posted about an upcoming 16 April 2018 announcement related to the Marriott and SPG merger (see, for example, Frequent Miler's today's post https://frequentmiler.boardingarea.com/2018/04/13/the-marriott-spg-rumor-mill-whats-real/). They predict that the joint...
by VictoriaF
Fri Apr 13, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 39879

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

Problem statement : After reading a book about sleep, I decided to improve the quality of mine by eliminating blue light frequencies for a couple hours before sleep. Regret : I have purchased two yellow light bulbs for my bedroom. Unfortunately, the bulbs were too dim for me to read in bed . This i...
by VictoriaF
Wed Apr 11, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 12355

Re: Ivy school education. Is it worth it?

The flip side is that you don't get into an Ivy League school because your parents are movers and shakers. You get into an Ivy League school if you have superior talents: academic, creative, athletic, artistic. Citation most definitely needed. Unless you count being born into the right family a sup...
by VictoriaF
Wed Apr 11, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 12355

Re: Ivy school education. Is it worth it?

The flip side is that you don't get into an Ivy League school because your parents are movers and shakers. You get into an Ivy League school if you have superior talents: academic, creative, athletic, artistic. Citation most definitely needed. Unless you count being born into the right family a sup...
by VictoriaF
Wed Apr 11, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 12355

Re: Ivy school education. Is it worth it?

I live in an affluent area with many doctors, lawyers; movers and shakers. Many of their kids are going to ivy league level schools. Understandably their parents are very proud. My son on the other hand is an average student. A top Ivy League school (Harvard, Princeton, Yale) is the best option bec...
by VictoriaF
Wed Apr 11, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Help with shared child being spoiled
Replies: 46
Views: 3853

Re: Help with shared child being spoiled

ddurrett896 wrote:
Wed Apr 11, 2018 5:22 pm
I don't think it's the right move to ask the grandparent to stop spoiling him and frankly that's their right.
No, it is not. Nobody has rights over your child. You have the rights. And you have the responsibility to raise your child according to your values.

Victoria
by VictoriaF
Wed Apr 11, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 330
Views: 21608

Re: Anyone Deleting Facebook?

Deleting Facebook is throwing out baby together with the bathwater. The bathwater is compulsive logging in, chatting, clicking "like," and especially, fishing for "likes". The baby is a free global platform over which you can join interest groups and get private information. The key to distinguishin...
by VictoriaF
Wed Apr 11, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37230

Re: Name something you bought that wasn't cheap and glad you did

Vivobarefoot shoes for about $130. A new poster used his first message to recommend this brand. I considered it a sign of strong determination to overcome a natural resistance to joining a new group for the sake of providing a valuable advice. And so I have investigated Vivobarefoot and purchased a...
by VictoriaF
Wed Apr 11, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37230

Re: Name something you bought that wasn't cheap and glad you did

Vivobarefoot shoes for about $130. A new poster used his first message to recommend this brand. I considered it a sign of strong determination to overcome a natural resistance to joining a new group for the sake of providing a valuable advice. And so I have investigated Vivobarefoot and purchased a ...
by VictoriaF
Tue Apr 10, 2018 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: CD market values down after purchase; why?
Replies: 20
Views: 1710

Re: CD market values down after purchase; why?

I don't know why you are buying marketable CD's if you don't understand that they are marketable (and therefore, subject to price fluctuations). Excellent point, I rarely risk money on something I ‘don’t understand ‘ . On the surface, this seems prudent: never invest in anything you don't understan...
by VictoriaF
Tue Apr 10, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: Bill Bernstein, new podcast
Replies: 56
Views: 5812

Re: Bill Bernstein, new podcast

VicotriaF: I had a friend who wrote a book. While handing it out he said "I do not want to be told about any mistakes". He said asked "would you rather have a book with mistakes in it or no book at all." People make mistakes. And, I for one, would rather have that than no mistakes at all. And the o...
by VictoriaF
Tue Apr 10, 2018 10:06 am
Forum: Investing - Help with Personal Investments
Topic: CD market values down after purchase; why?
Replies: 20
Views: 1710

Re: CD market values down after purchase; why?

I, too, had an issue with and a question about brokered CDs I bought through Fidelity. During the first couple weeks the value of the CDs displayed by Fidelity was actually higher than the purchase price. But then it started falling and continues to fall as we speak. I have brought up this issue at ...
by VictoriaF
Tue Apr 10, 2018 9:21 am
Forum: Investing - Theory, News & General
Topic: Bill Bernstein, new podcast
Replies: 56
Views: 5812

Re: Bill Bernstein, new podcast

What else can I do for the people to forget my speed-reading mistake? Victoria I have sometimes seen people edit and annotate the post with the error. In an ideal world, people would read the entire thread before responding, but, just in case they don't, something like MIT is not a top school in ec...
by VictoriaF
Mon Apr 09, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Regrets of the frugal and dying?
Replies: 62
Views: 8556

Re: Regrets of the frugal and dying?

I was friends with an elderly couple back in the 1980s. He was a professor of finance at the University of Chicago. They lived in a simple apartment near the University. I brought them lentil soup. They were gracious company. Anyway, I visited them often as he was dying of cancer. He died that year...
by VictoriaF
Mon Apr 09, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 39879

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

...I know both of those purchasing decisions would result in major regret, but she'll probably win one of them (the mattress). Is it about being faster than her friends,... ...it would almost assuredly become a $2k+ garage ornament. That is the issue. I can't say anything about a potential bicycle ...
by VictoriaF
Mon Apr 09, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: Any value investor buying a Russia fund?
Replies: 78
Views: 4063

Re: Any value investor buying a Russia fund?

The answer is always the same: What do you know that the market does not know? Having said that, there are some people for whom investment in Russia is a form of diversification. For example, if you are a political or economic or military Russian expert, the need for your services goes up at about t...
by VictoriaF
Mon Apr 09, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: Bill Bernstein, new podcast
Replies: 56
Views: 5812

Re: Bill Bernstein, new podcast

It’s actually #1 on that link you posted.... Zvi Bodie says stocks get riskier with time, not less risky. With a PhD in Economics from MIT, i'm going to trust he's not mistaken. MIT is not a top school in economics. According this list https://www.topuniversities.com/university-rankings-articles/un...
by VictoriaF
Mon Apr 09, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Regrets of the frugal and dying?
Replies: 62
Views: 8556

Re: Regrets of the frugal and dying?

Regrets when dying don't matter much in my opinion. Life is almost over at that point, and the dead don't feel anything. If you didn't regret something until dying, and only regret it then, I don't think it matters that much because you don't have to live with it for long. The tougher problem is wi...