Search found 17396 matches

by VictoriaF
Tue Feb 20, 2018 6:40 pm
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 44
Views: 4713

Re: Staying Motivated: How do you ward off hopelessness?

Small steps in the right direction are more fulfilling than achievement of a monumental goal.

Define a plan that allows you to make consistent noticeable progress, and you will feel content, if not happy.

Victoria
by VictoriaF
Tue Feb 20, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 40
Views: 4208

Re: Expat Living

Yeah I was a normal healthy kid but I can see where a disability would be a big issue. But being a diplomat (or a kid of one) cuts both ways. I spent three years in Soviet Union where the KGB targeted the US embassy with microwave radiation. I am curious: how would you compare the quality of educat...
by VictoriaF
Tue Feb 20, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 428
Views: 33727

Re: What frugal thing did you do today?

I think this is the most idiotic and a low-life thing one can do. This is not being frugal; this is downright theft. I believe it is illegal and I am sure if the person doing it is reported, the cop will find a way to write him up, or at least s/he should. What law was broken? When I was walking el...
by VictoriaF
Tue Feb 20, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 428
Views: 33727

Re: What frugal thing did you do today?

This definitely transcends "frugal" and should be classified as "cheap" It's worse than cheap - downright dishonest. I wouldn't want a stranger's clothes drying with mine. How do I know what cooties are in it? That is JUST TERRIBLE and possibly illegal! Ok, calm down. I understand you wouldn't want...
by VictoriaF
Mon Feb 19, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 428
Views: 33727

Re: What frugal thing did you do today?

I dress crappy + go down to the corner church soup kitchen for free lunch. :shock: I thought soup kitchens were intended for the truly needy. :? Wow...this website's name really should be changed to "miserheads" Members who have millions of dollars saved up, yet take great pride in living like penn...
by VictoriaF
Mon Feb 19, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 8888

Re: Do you wear a wedding band? [at a job interview]

togb wrote:
Mon Feb 19, 2018 9:52 pm
However, I would advise against a nose ring.
And cheek rings are too cheeky,

Victoria
by VictoriaF
Mon Feb 19, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 8888

Re: Do you wear a wedding band? [at a job interview]

Agree taking it off for an interview would seem counterproductive (although apparently with women the bias is opposite men, which is completely ridiculous but very plausible ). I was talking about failure to wear one being perceived negatively. It's not ridiculous. A man's ring sends different sign...
by VictoriaF
Mon Feb 19, 2018 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 10562

Re: What has been your most important skill in achieving financial independence?

Try to get good at two unrelated things that, when combined together, uniquely qualify you to do a high paying (and satisfying) job. Very interesting...mind expanding on this a bit more? Examples? Example from my own life. I like to speak in public. Always have. I was on the speech team in High Sch...
by VictoriaF
Mon Feb 19, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 8888

Re: Do you wear a wedding band? [at a job interview]

Agree taking it off for an interview would seem counterproductive (although apparently with women the bias is opposite men, which is completely ridiculous but very plausible ). I was talking about failure to wear one being perceived negatively. It's not ridiculous. A man's ring sends different sign...
by VictoriaF
Mon Feb 19, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Email from IRS this morning- is my information compromised?
Replies: 21
Views: 2301

Re: Email from IRS this morning- is my information compromised?

It's spam. Delete it and move on with your life. The IRS mail any tax notice or corresponding to your mailing address. May be it's spam, and may be not. It does not hurt to log in to your IRS account and make sure that it works. IMPORTANT: log in to the IRS independently, do NOT use any links in em...
by VictoriaF
Mon Feb 19, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 428
Views: 33727

Re: What frugal thing did you do today?

Not spending.

A few days ago, I applied and was approved for a new credit card. Now, I am saving all my potential expenses for the minimum spending on this card. BUT, after I receive the card, I will stop posting in this thread for three months.

Victoria
by VictoriaF
Mon Feb 19, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 102
Views: 8792

Re: Single People and Retirement Question

As for Saudi whatever your view of their policies (and I am not a fan) there is very little risk to a western visitor there. And the point is mostly moot because they don't issue tourist visas so unless you go on business or are Muslim on the Hajj it is not going to happen. I don't know anything ab...
by VictoriaF
Mon Feb 19, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 40
Views: 4208

Re: Expat Living

Learn the language of the country you live in. Don't live in the American ex-pat bubble. You can visit the bubble but venture beyond it. I agree. And the laziness to learn the local language is not limited to the Americans. When I was in Karlovy Vary, I've met Russians who permanently live there, o...
by VictoriaF
Sun Feb 18, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 8888

Re: Do you wear a wedding band?

... and also interested in the perceptions of women about men who don’t. From a woman's view point..... A man who does not wear a ring might be unmarried. This does not mean he is "available". He might be in a committed relationship. Or he might be married and just not like rings. Or he might be ma...
by VictoriaF
Sun Feb 18, 2018 6:55 pm
Forum: Forum Issues and Administration
Topic: Fewer Readers Despite Continued Market Volatility
Replies: 7
Views: 666

Re: Fewer Readers Despite Continued Market Volatility

Phineas J. Whoopee wrote:
Sun Feb 18, 2018 6:43 pm
Are we an inverse function?

PJW
Yes, we are:
When the market is rising everybody knows what to do.
When the market is falling nobody knows what to do.

Victoria
by VictoriaF
Sun Feb 18, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: VPN for account security
Replies: 12
Views: 1529

Re: VPN for account security

I am reluctant using a VPN provider, because it will see all my decrypted traffic and I can't verify their claims of privacy and security. Several months ago, I learned about Orchid Protocol, https://orchidprotocol.com/ , a company building "decentralized, open-source technology for an Internet free...
by VictoriaF
Sun Feb 18, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 102
Views: 8792

Re: Single People and Retirement Question

Also, single older men can do things single older women can't, like travel to areas where the latter are not safe. I would think there are only a very few places that would be safe for an older man but not an older woman. I think in general it is easier for a woman but also potentially more dangero...
by VictoriaF
Sun Feb 18, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 102
Views: 8792

Re: Single People and Retirement Question

When your friends and family members start getting old, sick, and passing away the journey begins to look pretty glum. So -- I'd advise getting out there as much as you introverts can manage to do and try to build some lasting, meaningful relationships. This is another reason to socialize and have ...
by VictoriaF
Sun Feb 18, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 102
Views: 8792

Re: Single People and Retirement Question

Questions for some of you solo travelers and adventurers: if you own a house, who cares for it when you are gone? Do you worry about being alone outside the country and getting ill/incapacitated? Also, for those who do nature-type touring, what tours or touring companies do you recommend? I have al...
by VictoriaF
Sun Feb 18, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 10562

Re: What has been your most important skill in achieving financial independence?

For these reasons, I do my taxes in Excel instead of using TurboTax or alike. Victoria Hi Victoria - How do you prepare your income tax return in Excel? Are you preparing the actual tax return or creating supporting schedules in Excel in order to prepare the tax return? Best. I create schedules in ...
by VictoriaF
Sun Feb 18, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 428
Views: 33727

Re: What frugal thing did you do today?

Today I have assembled the office chair I purchased from Amazon. Its regular price is $64.99, but I purchased it for $54.37 in the condition "Used - Like New - Item will come in original packaging. Packaging will be damaged." The problem was not with the packaging but with a control handle the plast...
by VictoriaF
Sun Feb 18, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 40
Views: 4208

Re: Expat Living

Replies are going to be region specific. For Western Europe: Pros: — Food, culture, climate. (At least where I am.) — More equitable social systems. — An easy flight back to the US for visits and emergencies. — At present (though rapidly changing, and not for the good), an attractive currency excha...
by VictoriaF
Sun Feb 18, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 102
Views: 8792

Re: Single People and Retirement Question

Not intending to be sexist, and there are plenty of exceptions to this. My observation has been that senior single women have a gigantic advantage over senior single men. In my experience, the women I know socialize with one another constantly, they are joiners and doers. They are able to share fee...
by VictoriaF
Sun Feb 18, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 10562

Re: What has been your most important skill in achieving financial independence?

I agree that luck plays an important role. I strongly disagree with the percentages you allocate to luck and skill. I was born in the USSR where I faced discrimination in education and career. I came to the U.S.A. as a single parent of a new-born girl. I credit my ability to define professional goa...
by VictoriaF
Sun Feb 18, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 102
Views: 8792

Re: Single People and Retirement Question

Another idea is Victoria's idea of retiring in a major metro area. I once lived in Toronto and loved it, but now I think I'd find it much to lonely and daunting to start up in that setting. I think it's just tough for senior singles anywhere you go. Not enough cohorts and you are pretty much margin...
by VictoriaF
Sun Feb 18, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 102
Views: 8792

Re: Single People and Retirement Question

I would really like to do significant travel but will either be doing it alone or joining travel groups of some type. I dream of being a snowbird for a couple months each year, but dread going to a place where I will know no one and just experiencing loneliness. "Snowbirding" implies having a perma...
by VictoriaF
Sun Feb 18, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 79
Views: 5743

Re: Effect of spending money on appearance in career

... but likely need an appearance "facelift" anyways. Objectively, you may or may not need a "facelift." But subjectively you need to make some changes that would make you feel confident in how you present yourself. Confidence and body language account for much more than static appearance in photos...
by VictoriaF
Sun Feb 18, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 102
Views: 8792

Re: Single People and Retirement Question

I really envy those with partners who can plan for golden years of travel and fun together. ... Would love to hear from other singles about how that envisioned retirement and how it has worked out. I need inspiration. Some couples are very happy, many couples are content, many other couples can't s...
by VictoriaF
Sun Feb 18, 2018 9:03 am
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 10562

Re: What has been your most important skill in achieving financial independence?

It is 95% luck, 5% skill. We are all very fortunate people, and it is a mistake to think we got here because we “deserve” it. Born in most over world locations with the same heart/mind/soul/body it wouldn’t happen. Never think you are special. I agree that luck plays an important role. I strongly d...
by VictoriaF
Sat Feb 17, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 79
Views: 5743

Re: Effect of spending money on appearance in career

OP,

In addition to evaluating your wardrobe and makeup, please consider other aspects of your appearance. Do you speak with authority? Are your posture and movement professional? Video record yourself to see if any aspects of your body language could be improved.

Good luck,
Victoria
by VictoriaF
Sat Feb 17, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 10562

Re: What has been your most important skill in achieving financial independence?

I've thought about this a lot, now that I'm FI, and I believe learning Excel was the tipping point. I was always willing to save. But until I could model how the future might look numerically I had no idea if I was saving enough, too little or too much. I really want to learn this!!! Any advice? I ...
by VictoriaF
Sat Feb 17, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 128
Views: 10308

Re: Retirees: The common sense withdrawal method

Like many others I have internalized what I have learned by reading multiple methods of withdrawals, many retirement calculators, etc. I have only been retired almost 4 years. I have a spreadsheet showing expenses, income and portfolio assets. I am happy to say that I am delaying SS until age 70 an...
by VictoriaF
Sat Feb 17, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: World Travelers: What's the local economy look like?
Replies: 10
Views: 1042

Re: World Travelers: What's the local economy look like?

In January 2018, I spent two weeks in Prague and then two weeks in Karlovy Vary. In Prague, I don't remember seeing new construction, but they were closing a bridge for maintenance. In Karlovy Vary, I saw a hotel in the central area being remodeled. Otherwise, I enjoyed beautiful cities unpolluted b...
by VictoriaF
Fri Feb 16, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: How Not to Get Rich - Mark Twain
Replies: 17
Views: 3420

Re: How Not to Get Rich - Mark Twain

HomerJ wrote:
Fri Feb 16, 2018 2:50 pm
$6 million in today's dollars! And that was just ONE of his bad investments

Mark Twain already WAS rich... He must have made $20-30 million (in today's dollars) over his lifetime and it wasn't enough...
He was like Elon Musk.

Victoria
by VictoriaF
Fri Feb 16, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 428
Views: 33727

Re: What frugal thing did you do today?

In summer I will be attending a conference in Belgrade. The conference hotel (5 stars) is available at the €90 conference rate (converted into the Serbian currency at the time of visit). Instead, I booked a 3-star hotel at 12-minute walk at €40/night. I will be staying there for 7 nights and save €3...
by VictoriaF
Fri Feb 16, 2018 12:42 pm
Forum: Investing - Theory, News & General
Topic: How Not to Get Rich - Mark Twain
Replies: 17
Views: 3420

Re: How Not to Get Rich - Mark Twain

Just finished reading "How Not to Get Rich: The Financial Misadventures of Mark Twain" https://www.amazon.com/How-Not-Get-Rich-Misadventures-ebook/dp/B01MXXZZNJ/ref=sr_1_1?ie=UTF8&qid=1518790002&sr=8-1&keywords=how+not+to+get+rich . He was never poor by any means, but it's Interesting that a man wi...
by VictoriaF
Thu Feb 15, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5598
Views: 1264049

Re: U.S. stocks in freefall

Gufomel wrote:
Thu Feb 15, 2018 4:02 pm
Market closed at around early Jan level. This crash has been just brutal.
It's not over until it's over, and it's never over.

Victoria
by VictoriaF
Thu Feb 15, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 16693

Re: Number at which to stop worrying

42 and a towel.

Victoria
by VictoriaF
Wed Feb 14, 2018 3:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: Forum's 11th Birthday - Feb. 19th
Replies: 27
Views: 1859

Re: Forum's 11th Birthday - Feb. 19th

Hello Everyone: On Feb. 19, 2007, a number of folks signed up to get this new Bogleheads forum up and running. For the math challenged, that means this coming Feb. 19, 2018, the forum will be 11 years old (being one of the math challenged, I used a calculator to verify that). :) In those 11 years, ...
by VictoriaF
Mon Feb 12, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7122

Re: I’m not renewing my Costco membership.

I too visit Costco every other month, but I don't calculate the cost of membership as $60 divided by 6. At each visit, I buy large quantities of items that last me a long time. I don't walk aisles looking for what to buy; when I arrive I have a list of what I want, including some items on sale that ...
by VictoriaF
Mon Feb 12, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: How to start a blog and claim the name?
Replies: 44
Views: 5656

Re: How to start a blog and claim the name?

This was a very informative thread, but I have not followed up because I was busy with other activities. Now, I am revisiting the idea of setting up a website. What are the current recommendations for hosting? When I Google for it, different sites offer different lists of the bests, and many seem t...
by VictoriaF
Mon Feb 12, 2018 10:52 am
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 13169

Re: "The stock market is officially in a correction... here's what usually happens next"

Hi Taylor, I want to thank you again for the guidance I received from you, Mel, and Bob Stowe in October 2001, when I came to Morningstar Vanguard Diehards. The dot-com bubble had just popped, I was out of work and my 401(k) was depleted due to high Lucent stock holdings. I asked a specific questio...
by VictoriaF
Fri Feb 09, 2018 1:38 pm
Forum: Forum Issues and Administration
Topic: Black Theme for Site?
Replies: 38
Views: 2992

Re: Black Theme for Site?

I avoid sites with white text on black background and would oppose this proposed change.

Victoria
by VictoriaF
Fri Feb 09, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5598
Views: 1264049

Re: U.S. stocks in freefall

letsgobobby wrote:
Fri Feb 09, 2018 12:45 pm
I personally believe this selloff is the start of something big.

Either that, or we are close to the end of this selloff.

:P
Or the end will be big.

Victoria
by VictoriaF
Fri Feb 09, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5182

Re: What time do you go to work?

At my last job before retiring, formally, my schedule was 09:00-19:00 with every second Friday off. In reality, I usually stayed until 20:00 or later. Traffic did not bother me, because my commute was a 13-14 minute walk, depending on whether I was catching red or green lights at two intersections I...
by VictoriaF
Fri Feb 09, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Discuss Starting Time when You Get a Job Offer
Replies: 29
Views: 2149

Re: How Do You Discuss Starting Time when You Get a Job Offer

I recommend not to discuss starting time when you interview and get a job offer, unless you are a recognized expert whom the company is trying to attract. Before you start a job, your main focus should be on providing value to the company or a government organization, and mapping your career. Once y...
by VictoriaF
Fri Feb 09, 2018 7:52 am
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 13169

Re: "The stock market is officially in a correction... here's what usually happens next"

"Stay the course" is not the same as "Buy and hold." Corrections and bear markets can often be an opportunity to rebalance, sell an unwanted fund, tax-loss harvest or move to another company. Best wishes. Taylor Hi Taylor, I want to thank you again for the guidance I received from you, Mel, and Bob...
by VictoriaF
Fri Feb 09, 2018 12:49 am
Forum: Personal Consumer Issues
Topic: Best Valentines Day Gift
Replies: 12
Views: 1791

Re: Best Valentines Day Gift

Alexa9 wrote:
Thu Feb 08, 2018 9:23 am
1. Diamonds
2. Pearls
3. Chocolate truffles
4. A Dozen Red Roses
5. Fancy Dinner (home cooked is better but fun to go out)
If men want their women to be thin, why do they give us all these chocolates? If they give us diamonds we will sparkle!
(An Odessa joke)

Victoria
by VictoriaF
Fri Feb 09, 2018 12:17 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5598
Views: 1264049

Robots in freefall!

HomerJ wrote:
Thu Feb 08, 2018 4:18 pm
But when prices drop this much because of the robots...
That's it:
Robots in freefall!

Victoria
by VictoriaF
Thu Feb 08, 2018 3:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5598
Views: 1264049

Re: U.S. stocks in freefall

DanMahowny wrote:
Thu Feb 08, 2018 3:47 pm
Dow 14,000 by 2019-20. Here we go.
This year's Bogleheads contest will be won by a contrarian.

Victoria