Search found 18270 matches

by VictoriaF
Thu Dec 13, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: Early retirement mistakes???
Replies: 31
Views: 4934

Re: Early retirement mistakes???

I did everything right and made no mistakes. I attribute this to extensive reading and detailed preparations for the retirement. The key principles that worked for me are: 1. Have a large amount of cash to lead my desired retirement lifestyle independently of the market movements. 2. Retire in a lar...
by VictoriaF
Wed Dec 12, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: learning excel
Replies: 21
Views: 1877

Re: learning excel

Some types of instructions lend themselves well to video tutorials, others are better learned from books. In my opinion, learning Excel belongs to the latter category. A book enables you to search for solutions to your specific questions and to easily go back to the topics you have covered and want ...
by VictoriaF
Wed Dec 12, 2018 7:38 am
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 7671

Re: To each his own ( I guess ) [Opinions of traveling in retirement]

Foreign travel is the most rewarding for people who read. Travel is rewarding in itself. Just live a different life style for a while. Live in beautiful place far away from cardboard dead soul suburban dormitories. Live among people with a life, alive people who walk around and go out to have fun a...
by VictoriaF
Wed Dec 12, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 7671

Re: To each his own ( I guess ) [Opinions of traveling in retirement]

Foreign travel is the most rewarding for people who read. If you read foreign authors you are curious to see places where their plots have unrolled and culminated. As a fan of Arthur Conan-Doyle, I was thrilled to stand on a platform at the Reichenbach Falls, where Sherlock Holmes and professor Mor...
by VictoriaF
Tue Dec 11, 2018 9:30 am
Forum: Investing - Theory, News & General
Topic: "The 10 Worst Places To Get Investing Advice"
Replies: 59
Views: 7124

Re: "The 10 Worst Places To Get Investing Advice"

The best investing advice: Nobody knows nothing.
The worst investing advice: All other investing advice.

Victoria
by VictoriaF
Tue Dec 11, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 7671

Re: To each his own ( I guess ) [Opinions of traveling in retirement]

Foreign travel is the most rewarding for people who read. If you read foreign authors you are curious to see places where their plots have unrolled and culminated. As a fan of Arthur Conan-Doyle, I was thrilled to stand on a platform at the Reichenbach Falls, where Sherlock Holmes and professor Mori...
by VictoriaF
Mon Dec 10, 2018 10:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8553
Views: 1673458

Re: U.S. stocks in freefall

On the other hand: get used to it. The problem with the market is that just as you get used to it, it comes up with a new trick. Victoria There are only 3 things that market can do: - go up, - go down, - stay flat. I think getting used to all 3 does not take that much :) It does not simply go up or...
by VictoriaF
Mon Dec 10, 2018 10:48 pm
Forum: Investing - Theory, News & General
Topic: "The 10 Worst Places To Get Investing Advice"
Replies: 59
Views: 7124

Re: "The 10 Worst Places To Get Investing Advice"

iamlucky13 wrote:
Mon Dec 10, 2018 10:44 pm
travelogue wrote:
Sun Dec 09, 2018 6:15 pm
18. A random dude on YouTube
I trust him for medical advice. Why wouldn't I trust his investing advice?
Good point. After the medical dude shortens your life, you will have no use for the assets lost by the financial dude.

Victoria
by VictoriaF
Mon Dec 10, 2018 10:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8553
Views: 1673458

Re: U.S. stocks in freefall

AlphaLess wrote:
Mon Dec 10, 2018 10:35 pm
On the other hand: get used to it.
The problem with the market is that just as you get used to it, it comes up with a new trick.

Victoria
by VictoriaF
Thu Dec 06, 2018 6:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8553
Views: 1673458

Re: U.S. stocks in freefall

I predict this is a 4 digit point loss today (DOW). I am always wrong when it comes to predicting the market. Well, mostly wrong. If I were always wrong then that would be great for others. Your mistake is not making a bad prediction but acknowledging that you were wrong. Experienced forecasters ex...
by VictoriaF
Thu Dec 06, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8553
Views: 1673458

Re: U.S. stocks in freefall

Any guesses if the market will close higher or lower by the end of the day today?

My skin-in-the-game-less guess is that S&P500 will close 0.6% lower.

Victoria
by VictoriaF
Thu Dec 06, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Divorce Settlement Options
Replies: 51
Views: 6035

Re: Advice on Divorce Settlement Options

Here's an interesting question: Part of divorce asset valuation involves apples and oranges -- savings accounts, homes, IRAs, ROTH IRA's, real estate etc with different basis calculations and different tax treatment. For assets that are divided in half, it doesn't matter because each party gets hal...
by VictoriaF
Wed Dec 05, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Why Is Insurance Worth It (Analytically)?
Replies: 89
Views: 4186

Re: Why Is Insurance Worth It (Analytically)?

There is a third reason besides incremental value of wealth varying and ethics I'm starting to see. It's fear of the drastic financial situations you discussed. Probably promoted by the Insurance companies. You have to admire insurance companies for concocting nonexistent scenarios such as: - Multi...
by VictoriaF
Wed Dec 05, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Divorce Settlement Options
Replies: 51
Views: 6035

Re: Advice on Divorce Settlement Options

I tried for years to get her to attend a Bogleheads event. How nice it would be if she understood low transaction costs and preserving capital -- perhaps we could have done an index finger handshake and worked it out quickly! Billy, At this time, it's probably better that your wife is unfamiliar wi...
by VictoriaF
Wed Dec 05, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8553
Views: 1673458

Re: U.S. stocks in freefall

Real estate values are more volatile than we think, we just don't see it because our homes and commercial properties don't trade on an exchange. If we saw a ticker symbol for our house roll across the screen on CNBC, we would be pretty surprised. If your neighbor neglects his yardwork for a while, ...
by VictoriaF
Wed Dec 05, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Why Is Insurance Worth It (Analytically)?
Replies: 89
Views: 4186

Re: Why Is Insurance Worth It (Analytically)?

I consider myself to have enough assets (and not too much-for liability) to be "self-insured". I have the legal minimum for car insurance and nothing else. I have even turned down employer sponsored health because I am currently statistically likely to pay in more than I claim out (including tax br...
by VictoriaF
Wed Dec 05, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Divorce Settlement Options
Replies: 51
Views: 6035

Re: Advice on Divorce Settlement Options

Billy, I have thought of a couple strategic considerations that may or may not be useful: 1. You wrote that "opposing counsel is a tax lawyer." You may be able to use this to your advantage if your lawyer is a divorce lawyer. If your wife's lawyer is satisfied with the numbers, you may be able to ge...
by VictoriaF
Wed Dec 05, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Anyone else not enjoy going out?
Replies: 68
Views: 11997

Re: Anyone else not enjoy going out?

What is the definition of "going out"? Is it not being at home? Or Is it going to a restaurant or a bar? Does "going out" imply being with other people? Does it imply being with people you know? Here in the metropolitan D.C. area there are numerous opportunities not to be at home. They do not invol...
by VictoriaF
Tue Dec 04, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Travel now & work a bit longer, OR the other way around?
Replies: 38
Views: 2876

Re: Travel now & work a bit longer, OR the other way around?

We have big travel plans that could delay retirement a few years. Should we travel now when we know we are healthy, capable, and can enjoy time with the kids? Curious to hear others' thoughts on this matter. I'm 45, DW is 47. Kids 10 & 12. Could have a modest retirement at 50. Travel plans could de...
by VictoriaF
Tue Dec 04, 2018 10:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8553
Views: 1673458

Re: U.S. stocks in freefall

This is not a free fall. This is a "tariff fall."

Victoria
by VictoriaF
Tue Dec 04, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Anyone else not enjoy going out?
Replies: 68
Views: 11997

Re: Anyone else not enjoy going out?

What is the definition of "going out"? Is it not being at home? Or Is it going to a restaurant or a bar? Does "going out" imply being with other people? Does it imply being with people you know? Here in the metropolitan D.C. area there are numerous opportunities not to be at home. They do not involv...
by VictoriaF
Tue Dec 04, 2018 10:43 am
Forum: Investing - Theory, News & General
Topic: Daniel Kahneman: Your Intuition Is Wrong, Unless These 3 Conditions Are Met
Replies: 14
Views: 3472

Re: Daniel Kahneman: Your Intuition Is Wrong, Unless These 3 Conditions Are Met

As a general rule, System 1's heuristics have evolved in the ancestral environments as adaptions to natural threats. When you encounter natural threats in the modern life, heuristics and corresponding actions are still appropriate. For example, you jump away from snakes, don't pick up unfamiliar mus...
by VictoriaF
Sun Dec 02, 2018 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Divorce Settlement Options
Replies: 51
Views: 6035

Re: Advice on Divorce Settlement Options

Is there anyone who wants to comment on these specific questions? I really appreciate your thoughtful comments and advice. Thanks, Billy Billy, Unfortunately, I can't help with your specific questions. I just wanted to say that I am sorry that this is happening to you. Best wishes for the least-str...
by VictoriaF
Sun Dec 02, 2018 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds - what's the consensus for this cycle?
Replies: 11
Views: 2742

Re: I-Bonds - what's the consensus for this cycle?

The key to the I Bonds is the "I", i.e., inflation indexing. The difference between 0.1% fixed and 0.5% fixed is much smaller than the difference between 3% inflation and 10% inflation. If you need inflation protection in taxable accounts, you should buy I Bonds at any fixed rate. If you have space ...
by VictoriaF
Mon Nov 19, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 222
Views: 29239

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: 86
Views: 6345

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: 86
Views: 6345

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: 1932

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 free fall
Replies: 8553
Views: 1673458

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 free fall
Replies: 8553
Views: 1673458

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: 4473

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: 2127

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 free fall
Replies: 8553
Views: 1673458

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: 10982

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: 222
Views: 29239

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 free fall
Replies: 8553
Views: 1673458

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: 222
Views: 29239

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: 10890

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: 3323

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: 10982

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: 9433

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: 11176

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: 9433

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: 2414

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: 2414

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: 2597

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: 2414

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: 11176

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...