Search found 17621 matches

by VictoriaF
Tue Apr 24, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 80
Views: 8351

Re: New retirees: so whatdayathink ?

I am not retired yet. Most folks seem happy with their retirement. This is refreshing to hear. I would like to hear from single folks. How do you spend your time? Do you also travel alone? I am single and travel alone. I travel quite a lot. In the first two years of retirement, I spent about 33% of...
by VictoriaF
Tue Apr 24, 2018 9:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads@MSFT
Replies: 8
Views: 1866

Re: Bogleheads@MSFT

Is Bill Gates in?

Victoria
by VictoriaF
Tue Apr 24, 2018 8:59 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 61
Views: 4994

Re: Nomadic lifestyle in their 50s

3. Our version of Nomadic is talking off for 3-5 weeks at a time to certain countries in Asia or Europe, but on the more cost effective side. i.e. we have stayed in prestige hotels at the via veneto in Rome (work paid) - but way too fancy/stuffy, and we would never do any like that on our own dime....
by VictoriaF
Tue Apr 24, 2018 8:44 pm
Forum: Investing - Theory, News & General
Topic: NYT article: Everyone should hire a financial planner
Replies: 103
Views: 8179

Re: NYT article: Everyone should hire a financial planner

Instead of stating that "everyone should hire a financial planner," New York Times should have stated that "everyone should use the Bogleheads Forum" in the following order: 1. Taylor's 3-fund portfolio... Perhaps a question for another thread, but why not a Target Date fund rather than the 3-fund ...
by VictoriaF
Tue Apr 24, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 149
Views: 8989

Re: BH travel tips?

The compass you have linked is not available on the REI site. Perhaps you meant this one ? A minor digression: The thermometer on this and similar zipper pulls is useless in practice. They're normally so close to your body that their readings are significantly higher than ambient temperature. Note ...
by VictoriaF
Mon Apr 23, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 61
Views: 4994

Re: Nomadic lifestyle in their 50s

It's not clear if the OP and his wife are interested in the nomadic life in the United States or abroad. In the U.S. it can be simpler. In foreign countries, he and his wife will have to deal with visas, languages, currencies, laws, policies, weather, etc. I have considered a nomadic lifestyle outsi...
by VictoriaF
Mon Apr 23, 2018 7:35 pm
Forum: Investing - Theory, News & General
Topic: NYT article: Everyone should hire a financial planner
Replies: 103
Views: 8179

Re: NYT article: Everyone should hire a financial planner

No, everyone shouldn't have a financial planner. Most Americans have nothing to invest, and would do better with a Dave Ramsey course or book to learn how and why to budget and control spending. Many who have enough income and self control to earn a lot and save some of it would do well to have a f...
by VictoriaF
Mon Apr 23, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 149
Views: 8989

Re: BH travel tips?

Button compass. Handy when arriving in crowded, unknown places so I can walk purposefully in the direction I know I want to go without looking like I just got off the boat. Also good for getting bearings when arriving below ground on the subway and to help figure out the right exit. I frequently wi...
by VictoriaF
Mon Apr 23, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Website will not allow sign out or log off? How to safely end session?
Replies: 15
Views: 1054

Re: Website will not allow sign out or log off? How to safely end session?

URSnshn wrote:
Mon Apr 23, 2018 10:42 am
Thanks Victoria - close the browser and erase the cookies - got it.
You are welcome. Note that I close the browser tab where I access the service, not the entire browser. I use Firefox.

Victoria
by VictoriaF
Mon Apr 23, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Website will not allow sign out or log off? How to safely end session?
Replies: 15
Views: 1054

Re: Website will not allow sign out or log off? How to safely end session?

One of the web sites where I pay bills does not allow to log off. I spent a fair amount of time looking for a log-out button and could not find it. If it exists, it's very well hidden. And so I just close the browser tab and immediately erase all cookies from this site.

Victoria
by VictoriaF
Mon Apr 23, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8295

Re: Boglehead Philosophy Open To Change?

MMM is an indexer. It's practically in his introductory post https://www.mrmoneymustache.com/2013/02/22/getting-rich-from-zero-to-hero-in-one-blog-post/ He provides more detail in his investment philosophy here. https://www.mrmoneymustache.com/2011/05/18/how-to-make-money-in-the-stock-market/ I'd s...
by VictoriaF
Mon Apr 23, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 149
Views: 8989

Re: BH travel tips?

I've had a little one that, IIRC, cost about $5 a number of years ago. It was a little compass with a small LED flashlight and a key ring on it. It was about the size of my thumb (ok, maybe my wife's thumb - mine is pretty big). It was really handy for travel in some places - coming up out of the m...
by VictoriaF
Mon Apr 23, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 149
Views: 8989

Re: BH travel tips?

I frequently wished that I had a compass in cities, but was not familiar with the concept of button compasses. On Amazon they have more sophisticated ones for $8 and above, and cheap ones selling 10 for $10. Which one do you use? I've had a little one that, IIRC, cost about $5 a number of years ago...
by VictoriaF
Mon Apr 23, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 149
Views: 8989

Re: BH travel tips?

I frequently wished that I had a compass in cities, but was not familiar with the concept of button compasses. On Amazon they have more sophisticated ones for $8 and above, and cheap ones selling 10 for $10. Which one do you use? I've had a little one that, IIRC, cost about $5 a number of years ago...
by VictoriaF
Sun Apr 22, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 80
Views: 8351

Re: New retirees: so whatdayathink ?

The biggest surprise? It is tied to freedom: I’ve been surprised how fiercely I value negative freedom ; that is, the freedom not to do things that I do not want to do. After decades of work responsibilities, social commitments, and so many built-in expectations about “going the extra mile,” and se...
by VictoriaF
Sun Apr 22, 2018 8:00 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8295

Re: Boglehead Philosophy Open To Change?

grok87 wrote:
Sun Apr 22, 2018 7:04 pm
Thanks victoria. Since you mentioned lmp/rp you might be interested in this thread
viewtopic.php?t=245377
Cheers
Grok
Thank you, Grok,

I will check it out,

Victoria
by VictoriaF
Sun Apr 22, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 149
Views: 8989

Re: BH travel tips?

I'll start with a disclaimer that most of my travels are at least 1-2 months in length and sometimes quite a bit longer. And a good deal of travel takes me out of the developed world. That said. Excellent list. Thank you very much! Country cheat sheet. I make a one page cheat sheet before I leave f...
by VictoriaF
Sun Apr 22, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8295

Re: Boglehead Philosophy Open To Change?

and i like this one from Taleb Scepticism is effortful and costly. It is better to be sceptical about matters of large consequences, and be imperfect, foolish and human in the small and the aesthetic. So i think, especially as one gets older, it's prudent to be selective as to what and whose argume...
by VictoriaF
Sat Apr 21, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Interesting vs higher paying job
Replies: 40
Views: 2893

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: 80
Views: 8351

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: 80
Views: 8351

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: 3961

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: 80
Views: 8351

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: 80
Views: 8351

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: 103
Views: 8179

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: 80
Views: 8351

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: 80
Views: 8351

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: 80
Views: 8351

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: 5117

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: 80
Views: 8351

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: 80
Views: 8351

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: 5117

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: 5117

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: 5117

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: 8060

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: 3961

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: 3961

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: 8060

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: 8060

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: 4396

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: 3961

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: 8060

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: 171
Views: 11471

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: 171
Views: 11471

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: 4396

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: 171
Views: 11471

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: 8060

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: 8060

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: 4396

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: 64
Views: 4810

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...