Search found 18385 matches

by VictoriaF
Sun Feb 17, 2019 10:25 am
Forum: Personal Investments
Topic: Q for Federal Employees - FEHB, advisors, etc.
Replies: 5
Views: 278

Re: Q for Federal Employees - FEHB, advisors, etc.

Going to the well again - I know many of y'all are Federal employees, and I could use some clarity.... My wife left industry and started a job with the Federal Government in 2014; her dept. operates under the FERS retirement system. My first question is, when is the earliest (not that she'd necessa...
by VictoriaF
Sun Feb 17, 2019 10:14 am
Forum: Investing - Theory, News & General
Topic: Ruminations on Taleb's "Antifragile" and its Applications to Retirement Income
Replies: 22
Views: 1508

Re: Ruminations on Taleb's "Antifragile" and its Applications to Retirement Income

Also in basic terms of the 'barbel', having a lot in safe and a little in very risky high expected return assets, how about if the black swan is big and bad enough to overwhelm US federal govt credit, something I think is no longer beyond comprehension even if most people here, I gather, refuse to ...
by VictoriaF
Sun Feb 17, 2019 9:55 am
Forum: Investing - Theory, News & General
Topic: Ruminations on Taleb's "Antifragile" and its Applications to Retirement Income
Replies: 22
Views: 1508

Re: Ruminations on Taleb's "Antifragile" and its Applications to Retirement Income

I'm currently reading Taleb's Antifragile and, while there's a lot in the book that I do not agree with, it has provided a lot of food for thought. I know there have been some threads on Taleb and Antifragile already, but this thread focuses on my own personal ruminations about the book and applica...
by VictoriaF
Sun Feb 17, 2019 9:46 am
Forum: Investing - Theory, News & General
Topic: Ruminations on Taleb's "Antifragile" and its Applications to Retirement Income
Replies: 22
Views: 1508

Re: Ruminations on Taleb's "Antifragile" and its Applications to Retirement Income

Also in basic terms of the 'barbel', having a lot in safe and a little in very risky high expected return assets, how about if the black swan is big and bad enough to overwhelm US federal govt credit, something I think is no longer beyond comprehension even if most people here, I gather, refuse to ...
by VictoriaF
Sat Feb 16, 2019 7:11 pm
Forum: Investing - Theory, News & General
Topic: Ruminations on Taleb's "Antifragile" and its Applications to Retirement Income
Replies: 22
Views: 1508

Re: Ruminations on Taleb's "Antifragile" and its Applications to Retirement Income

Also in basic terms of the 'barbel', having a lot in safe and a little in very risky high expected return assets, how about if the black swan is big and bad enough to overwhelm US federal govt credit, something I think is no longer beyond comprehension even if most people here, I gather, refuse to ...
by VictoriaF
Sat Feb 16, 2019 7:03 pm
Forum: Investing - Theory, News & General
Topic: Ruminations on Taleb's "Antifragile" and its Applications to Retirement Income
Replies: 22
Views: 1508

Re: Ruminations on Taleb's "Antifragile" and its Applications to Retirement Income

I'm currently reading Taleb's Antifragile and, while there's a lot in the book that I do not agree with, it has provided a lot of food for thought. I know there have been some threads on Taleb and Antifragile already, but this thread focuses on my own personal ruminations about the book and applica...
by VictoriaF
Sat Feb 16, 2019 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Life As A Negative Asset
Replies: 22
Views: 1600

Re: Life As A Negative Asset

The answer depends on what is primary: life or assets. If life is primary, then the relationship between life and assets is that the assets are enabling and supporting the life. If assets are primary, then the value of life is roughly equivalent to the human capital, which usually diminishes with ag...
by VictoriaF
Sat Feb 16, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3279
Views: 629888

Re: What's Your Credit Card Rewards Strategy?

I don't ever fly business class. I used "not to fly Business class ever." Now, I am making exceptions for: (1) overnight flights from the U.S. to Europe to be able to sleep on the plane (2) cases when discounted points for Business class exist and for Economy don't (3) particularly cheap Business c...
by VictoriaF
Fri Feb 15, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 651
Views: 65643

Re: What frugal thing did you do today?

I was getting ready to pay $180 for an annual subscription to Adobe Reader DC, when I I decided to try several free PDF readers. After several hours of testing, I found a free PDF reader that serves my needs. Victoria ............and the name of that PDF reader is? PDF-XChange Editor, https://www.t...
by VictoriaF
Fri Feb 15, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 651
Views: 65643

Re: What frugal thing did you do today?

I was getting ready to pay $180 for an annual subscription to Adobe Reader DC, when I I decided to try several free PDF readers. After several hours of testing, I found a free PDF reader that serves my needs.

Victoria
by VictoriaF
Fri Feb 15, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: What are your best retirement years?
Replies: 50
Views: 4106

Re: What are your best retirement years?

The best years are when you are healthy and independent. The worst years are when you are ill and dependent. In retirement you have much more time and control over your health: sleep, fresh air, diet, supplements, exercise, stress, exposure to harmful environments, etc. 5-10 years after retirement, ...
by VictoriaF
Fri Feb 15, 2019 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3279
Views: 629888

Re: What's Your Credit Card Rewards Strategy?

I don't ever fly business class. I used "not to fly Business class ever." Now, I am making exceptions for: (1) overnight flights from the U.S. to Europe to be able to sleep on the plane (2) cases when discounted points for Business class exist and for Economy don't (3) particularly cheap Business c...
by VictoriaF
Thu Feb 14, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Best ways to provide STRUCTURE to retired life
Replies: 71
Views: 5355

Re: Best ways to provide STRUCTURE to retired life

Develop your retirement strategy first. For example, apply the computer science explore-exploit principle to your retired life: - Start your retirement by exploring your interests and things you are curious about. - As you identify activities that you really like, start shifting your time to these a...
by VictoriaF
Thu Feb 14, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3279
Views: 629888

Re: What's Your Credit Card Rewards Strategy?

- I found several Marriott, Hilton and Holiday Inn hotels in the vicinity of IAD and LHR, among which I will choose where spend nights before flying out of IAD and then out of LHR, using my reward points with these hotel programs. Can I check in my luggage the night before the flight? 1. I will arr...
by VictoriaF
Tue Feb 12, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3279
Views: 629888

Re: What's Your Credit Card Rewards Strategy?

- I found several Marriott, Hilton and Holiday Inn hotels in the vicinity of IAD and LHR, among which I will choose where spend nights before flying out of IAD and then out of LHR, using my reward points with these hotel programs. Can I check in my luggage the night before the flight? 1. I will arr...
by VictoriaF
Tue Feb 12, 2019 9:17 am
Forum: Personal Finance (Not Investing)
Topic: How do I keep from becoming irrelevant
Replies: 57
Views: 7128

Re: How do I keep from becoming irrelevant

I highly recommend Cal Newport's book "Deep Work." Newport makes a strong argument that as the workplace becomes more globalized and more connected, employers have increasingly easy access to the best performers around the world. The gap between highly-sought high performers and everybody else is gr...
by VictoriaF
Tue Feb 12, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: dry eyes- optimal laptop screen resolution to reduce eye strain
Replies: 33
Views: 2271

Re: dry eyes- optimal laptop screen resolution to reduce eye strain

Hi Protagonist, When I use a computer, which is a lot, I use two eye-saving measures: 1. I wear yellow tinted reading glasses that I found on Amazon. 2. I keep a timer next to my keyboard set for 25 minutes. When the timer beeps, I get up and take a walk around my apartment to clear my eyes and my m...
by VictoriaF
Tue Feb 12, 2019 8:49 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3279
Views: 629888

Re: What's Your Credit Card Rewards Strategy?

I did not know about non -red eye flights to Europe. Thank you for mentioning them! There are day flights to London-Heathrow from Boston, JFK, Newark, Chicago, and Dulles. Using British Airways and American FT points from BOS or JFK, you can connect the next day to wherever you're going in Europe f...
by VictoriaF
Sun Feb 10, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: "Living comfortably in retirement"
Replies: 71
Views: 8783

Re: "Living comfortably in retirement"

We often hear the goal/promise of living comfortably in retirement. What does that term mean to you, how do you know when you're there? Is it purely a financial thing, is it an emotional status, some combo, etc? Comfortable has several meanings: 1) euphemism for being wealthy 2) physical comfort 3)...
by VictoriaF
Sun Feb 10, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Chase credit card dispute - denied
Replies: 141
Views: 8948

Re: Chase credit card dispute - denied

One of the things I've done over the years when I travel, car rental, hotel, etc. is grab one of the business cards at the main desk usually the managers card - just in case. This does not apply to OP issue which was a mix up, but from an actionable standpoint, having a number and name of a manager...
by VictoriaF
Sun Feb 10, 2019 8:50 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 194
Views: 23299

Re: Roll Call for the Retirement Class of 2019!

Hi Everyone! Long time lurker here, posting for the first time to join the 2019 retirement roll call! My target last day of work is May 10, and I’ll be 44. My husband is retiring a couple of weeks before me, and will be 52. We have an amazing early retirement plan and I am (literally) counting the ...
by VictoriaF
Fri Feb 08, 2019 9:07 am
Forum: Investing - Theory, News & General
Topic: To What Degree Does Money Buy Happiness?
Replies: 107
Views: 4864

Re: To What Degree Does Money Buy Happiness?

I invert the concept of money and happiness:

Some of my greatest sources of satisfaction, well-being, and ultimately happiness -- are the activities that money allows me NOT to do.

Victoria
by VictoriaF
Thu Feb 07, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: What Tech Gadget Would you Buy?
Replies: 83
Views: 4882

Re: What Tech Gadget Would you Buy?

These devices are getting better in understanding my rather clipped accent. I just used Google Translate and was amazed that it understood my accent and then I tried an "American accent". It accepted both. So maybe one day after we teach can teach the devices ..... Alexa understands me perfectly. C...
by VictoriaF
Thu Feb 07, 2019 10:41 am
Forum: Personal Investments
Topic: Ally Bank's nightmarish online reviews -- should I be worried?
Replies: 97
Views: 8688

Re: Ally Bank's nightmarish online reviews -- should I be worried?

I had only positive experiences with Ally, but I am well aware of the problem of induction : numerous good experiences do not preclude a possibility of bad experiences. When bad experiences happen, people are likely to post them online, both to vent and to increase their chances for the issue resolu...
by VictoriaF
Thu Feb 07, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: What Tech Gadget Would you Buy?
Replies: 83
Views: 4882

Re: What Tech Gadget Would you Buy?

maybe buy a book on the dangers of tech gadgets. here are two well-reviewed ones: iGen: Why Today's Super-Connected Kids Are Growing Up Less Rebellious, More Tolerant, Less Happy--and Completely Unprepared for Adulthood--and What That Means for the Rest of Us https://www.amazon.com/iGen-Super-Conne...
by VictoriaF
Thu Feb 07, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: What Tech Gadget Would you Buy?
Replies: 83
Views: 4882

Re: What Tech Gadget Would you Buy?

I'd like to have two types of gadgets or apps: 1. Voice-to-text function that would accurately transcribe my accent. 2. Handwriting recognition: not writing with a stylus on a tablet but feeding my handwritten notes and getting back typed text. Victoria Yes, well .. can you say what you want transc...
by VictoriaF
Wed Feb 06, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: What Tech Gadget Would you Buy?
Replies: 83
Views: 4882

Re: What Tech Gadget Would you Buy?

I'd like to have two types of gadgets or apps:
1. Voice-to-text function that would accurately transcribe my accent.
2. Handwriting recognition: not writing with a stylus on a tablet but feeding my handwritten notes and getting back typed text.

Victoria
by VictoriaF
Wed Feb 06, 2019 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon E-book Publishing
Replies: 5
Views: 586

Re: Amazon E-book Publishing

gretah wrote:
Tue Feb 05, 2019 5:35 pm
I participate in message boards discussing the topics of my ebooks using my real name to build a reputation.

I send free copies to the top 10 posters on these boards - the people known for being most knowledgeable and most generous with help.
Do you participate in Goodreads?

Victoria
by VictoriaF
Wed Feb 06, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card dispute - denied
Replies: 141
Views: 8948

Re: Chase credit card dispute - denied

To clarify the contact situation: ... Please keep us informed how the case proceeds and eventually gets resolved. I don't have any comments beyond of what others have suggested. I have several Chase cards and will keep them for excellent travel rewards. But your case has taught me that charge-back ...
by VictoriaF
Wed Feb 06, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: What do you blame for unhappiness in retirement?
Replies: 53
Views: 3701

Re: What do you blame for unhappiness in retirement?

I am happy in retirement and I tend not to blame anybody, least of all, myself. The things that would make me unhappy include: - Living in a place that I don't find intellectually stimulating. For example, I would not retire in a suburban or rural area. - Not being able to read books. Thankfully, mo...
by VictoriaF
Tue Feb 05, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used software to write a Will?
Replies: 66
Views: 4441

Re: Has anyone used software to write a Will?

Earl Lemongrab wrote:
Mon Feb 04, 2019 8:27 pm
Personally, I think a savvy layman who takes the time to get familiar with the situation in their state will probably be just fine.
I think some lay women are capable of that too.

Victoria
by VictoriaF
Mon Feb 04, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 87
Views: 7120

Re: Condor moved me from Business to Economy. Recourse?

I feel like you are blowing this up beyond what it needed to be, at least until they reject you a second time over the phone. I am taking is slowly, because I am still not sure what I want to request: - cancellation because I am entitled to it according to Condor's rules of conduct - cancellation b...
by VictoriaF
Sun Feb 03, 2019 10:37 am
Forum: Investing - Theory, News & General
Topic: TSP Thrift Savings Plan expense ratio climbs to 0.04%
Replies: 26
Views: 2646

Re: TSP Thrift Savings Plan expense ratio climbs to 0.04%

In all my years with TSP I've never observed a single error, and my partial transfer to Vanguard showed that TSP was accurate and fast, while Vanguard screwed up even a simple incoming transfer (to the point that I ended up moving everything out of Vanguard, but that's another story). I've left fed...
by VictoriaF
Sun Feb 03, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone used software to write a Will?
Replies: 66
Views: 4441

Re: Has anyone used software to write a Will?

A better question: Has anyone seen the outcome of a software-produced Will? Here's a pretty good article on some of the pitfalls of software produced wills. The one that really scares me is how well a software produced will can stand up to a savvy lawyer who is suing my estate on behalf of a disgru...
by VictoriaF
Sun Feb 03, 2019 9:52 am
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 87
Views: 7120

Re: Condor moved me from Business to Economy. Recourse?

I think it's good that you sent an email so you have a paper trail if you need to escalate to your credit card company with a chargeback, but I'm unsure why you don't just call back and explain the situation again. This has worked for me numerous times when one customer support agent wouldn't corre...
by VictoriaF
Thu Jan 31, 2019 2:03 pm
Forum: Personal Investments
Topic: Non-cyber financial security preparation in case of...
Replies: 15
Views: 1161

Re: Non-cyber financial security preparation in case of...

I live in an urban area. In case of a physical calamity, I can walk to stores and pharmacies. I have several hundred dollars in cash and a checkbook. I also have some Euros and other currencies, but using them would take a very long walk. At home I keep some canned fish, nuts, and bottled water that...
by VictoriaF
Thu Jan 31, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 87
Views: 7120

Re: Condor moved me from Business to Economy. Recourse?

Intermediate update: I have just sent an email message to Condor with citations of (EC) No 261/2004, Article 10 and a request for an additional compensation in the amount of $244. If I receive this compensation, I may just leave the matter alone: 1. There is a non-zero chance that Condor will cance...
by VictoriaF
Thu Jan 31, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 87
Views: 7120

Re: Condor moved me from Business to Economy. Recourse?

fposte wrote:
Thu Jan 31, 2019 1:21 pm
Victoria, they did suggest specialassistance@condor.com in one tweet; if you haven't hit that already, it might be worth a try.
Thank you, fposte, I will add this link to my Condor file.

Victoria
by VictoriaF
Thu Jan 31, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 87
Views: 7120

Re: Condor moved me from Business to Economy. Recourse?

Rebooking is not covered by EU 261, but by the contract of carriage. I have read Condor’s General Terms and Conditions of Business and Carriage (GTBC), https://www.condor.com/us/druck/agb.html#c15503 , which includes the following statement: 15. Flight times, delays and flight cancellations/flight ...
by VictoriaF
Thu Jan 31, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 87
Views: 7120

Re: Condor moved me from Business to Economy. Recourse?

The EU regulation applies to Condor. You should get 75% of the ticket back, limited to the downgraded segments . They should also offer to rebook you on another flight, same or other date, in the cabin of your original booking free of charge. It's up to you to decide which of the two solutions to p...
by VictoriaF
Thu Jan 31, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 87
Views: 7120

Re: Condor moved me from Business to Economy. Recourse?

RE: Social media 1. I want to resolve it quickly. I have Facebook and Twitter accounts that I rarely access . Even if I tried to use them to put pressure on Condor, it would take a lot of time for anybody to notice an unknown poster. 2. Condor, a German company, may be less dependent on Social media...
by VictoriaF
Thu Jan 31, 2019 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Health - Knowledge - Wealth
Replies: 6
Views: 654

Re: Health - Knowledge - Wealth

Maslow's Hierarchy of Needs, from bottom up, is: 1. physiological needs 2. safety and security 3. belonging and love 4. esteem needs 5. self-actualization Health is in layer-1 and is definitely the priority. Wealth is in layer-2. Some knowledge is required for all layers, but it resides in layer-4. ...
by VictoriaF
Thu Jan 31, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 87
Views: 7120

Re: Condor moved me from Business to Economy. Recourse?

It looks like this route will be operated with "Air Tanker" A330 aircraft rather than Condor's own, hence no business class. The first sentence on Wikipedia - "British charter airline which operates charter flights using reserve aerial refuelling aircraft " - would make me cancel this immediately. ...
by VictoriaF
Thu Jan 31, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 87
Views: 7120

Re: Condor moved me from Business to Economy. Recourse?

lostinjersey wrote:
Thu Jan 31, 2019 12:47 pm
I skimmed but am surprised no one mentioned taking this to social media. A tweet or Facebook tag is likely to get some actual results quickly.
I don't use social media and thus can't use it as a leverage.

Victoria
by VictoriaF
Thu Jan 31, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 87
Views: 7120

Re: Condor moved me from Business to Economy. Recourse?

I don't like the suggestions of simply disputing the charges. Even if Victoria was still within the initial 60 day window, the outcome of credit card disputes for these types of issues is uncertain and it can take months to get it resolved. Without knowing the outcome of the dispute, there is no wa...
by VictoriaF
Thu Jan 31, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 87
Views: 7120

Re: Condor moved me from Business to Economy. Recourse?

I find it hard to believe that they won't offer a refund. You bought business class but they aren't giving you that. And it is always a good idea to hang up and call again (HUCA in the travel points world) since what agents will do for you vary greatly. Just don't get abusive since I've been told t...
by VictoriaF
Thu Jan 31, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 87
Views: 7120

Re: Condor moved me from Business to Economy. Recourse?

I completely agree, 2000 for business class was a good price, but did you fly Condor business class before? It might not be like "normal" business class. I flew in Condor BWI-FRA in Business in 2018 and returned in Economy using a different airline. The bed was not completely flat, but it was comfo...
by VictoriaF
Wed Jan 30, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 87
Views: 7120

Re: Condor moved me from Business to Economy. Recourse?

I'd keep trying. Maybe you will get an agent (or a supervisor) that will refund your money. Even if you know your rights and they are in your favor, enforcing them may be difficult/costly. Especially with an airline based outside the US. I frankly don't know why they didn't just refund your money. ...
by VictoriaF
Wed Jan 30, 2019 5:11 pm
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 87
Views: 7120

Re: Condor moved me from Business to Economy. Recourse?

Take the flight and the refund. It's only 6 hours and $400 each is a bargain. 800$ for a flight to Europe is pretty middle of road price, depending on season. No bargain here. My current price is $890. $2,090 was a good prices for a round-trip in Business, and I was willing to travel to and from BW...
by VictoriaF
Wed Jan 30, 2019 4:46 pm
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 87
Views: 7120

Re: Condor moved me from Business to Economy. Recourse?

If I may say so, it's possible you are overthinking this. Call Condor one more time, say that you wanted business class and explicitly bought business class and are not willing to fly if you don't get business class and they changed the plane to one without business class, so you want a refund. I'd...