Search found 18186 matches

by VictoriaF
Sat Oct 13, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: Psychological vs. Real Risk
Replies: 21
Views: 1439

Re: Psychological vs. Real Risk

The real risk is not that your portfolio would under-perform in comparison so some index or some asset allocation on the efficient frontier. The real risk is that you would not have enough money in retirement. That's why the most prudent approach is that recommended by Bill Bernstein: - Liability Ma...
by VictoriaF
Fri Oct 12, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 161
Views: 13866

Re: Tips for staying active / injury-free into older age

FelixTheCat wrote:
Fri Oct 12, 2018 12:58 pm
One coach recommends flaxseed oil ever day for people over 40
I buy flaxseed, chia seeds, and hemp seeds on Amazon and put them in my salads.

Victoria
by VictoriaF
Fri Oct 12, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 161
Views: 13866

Re: Tips for staying active / injury-free into older age

Do: Bed of nails Wim Hof's breathing Cold showers Keto diet in conjunction with Intermittent Fasting Cryo therapy Improv and standup classes and performances Walking and backpacking Good sleep Shall do: Strength / resistance exercises (Thank you to Jasstonight and LadyGeek for the encouragement) Vi...
by VictoriaF
Thu Oct 11, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2922
Views: 574437

Re: What's Your Credit Card Rewards Strategy?

Starting today (11 October 2018), you can play Marriott sweepstakes for 29 days to win various prizes: https://29ways.marriott.com/en-us/
Today, I got 50 Marriott points. Tomorrow is another day.

Victoria
by VictoriaF
Wed Oct 10, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7350
Views: 1542636

Re: U.S. stocks in freefall

LadyGeek wrote:
Wed Oct 10, 2018 12:15 pm
I merged Esq123's thread into the on-going discussion.
With the Bogleheads prowess to move markets, this merger will turn tumbling into a freefall.

Victoria
by VictoriaF
Wed Oct 10, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 33
Views: 2615

Re: anybody sell I Bonds to buy something else?

You don't buy I Bonds for their earnings. You buy them for protection from inflation.

Victoria
by VictoriaF
Wed Oct 10, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7350
Views: 1542636

Re: Stocks tumbling?

I think it's just a thermodynamic fluctuation. "Massive" spacial correlations in stochastic thermodynamics dependent on one's allocation as long as one stays the course. Aha! We have deepened from physics envy to thermodynamic envy. Now we can make a bulletproof prediction: entropy will increase. V...
by VictoriaF
Wed Oct 10, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7350
Views: 1542636

Re: Stocks tumbling?

Anyone know what could potentially be causing this drop? Those motivated to sell: ... - sugar daddies who need to buy their girl a toy right now ... Those motivated to buy: - Bogleheads with dry powder (aka cash, before you guys jump to conclusions) ... Call girls are buying. Put girls are selling....
by VictoriaF
Mon Oct 08, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: 2018 Bogleheads Conference Notes
Replies: 36
Views: 4977

Re: 2018 Bogleheads Conference Notes

Here is the current link to my photos.... PS. For those of you who are curious about my photographic process, here goes!... I think there is something wrong with your "process". Everyone at the meeting looked 10 years younger and way more attractive than in your photos! :D :D But seriously, thanks ...
by VictoriaF
Tue Oct 02, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Karma worth it
Replies: 16
Views: 1211

Re: Credit Karma worth it

retiringwhen wrote:
Tue Oct 02, 2018 11:51 am
BTW, as a credit monitoring service for things like getting notices when I create a new card, or a hard inquiry is made, CM is actually faster than the services provided by the breeches (Equifax and MyIDCare).
What is "CM"?

Victoria
by VictoriaF
Tue Oct 02, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5312

Re: Root of Good's cost of raising a child: $3,300 per year

The Bogleheads appear excessively hostile to the members of the early retirement community, usually MMM and now Root of Good. I consider ER members a force for good, an alternative to consumerism. Even if you can't match them, use their expenses as an anchor and aim to reduce yours.

Victoria
by VictoriaF
Tue Oct 02, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Improved Phishing Scam
Replies: 7
Views: 947

Re: Improved Phishing Scam

Brian Krebs just had an article about clever Voice Phishing that catches even technology savvy professionals:
https://krebsonsecurity.com/2018/10/voi ... re-clever/

Victoria
by VictoriaF
Tue Oct 02, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: New Laptop setup questions
Replies: 23
Views: 2044

Re: New Laptop setup questions

Bitlocker's fine, and I recommend using the PIN + TPM option, or at least the PIN option. That way when your computer boots, it requires a PIN (password) before it unlocks the hard drive and Windows boots. Without it, it defaults to just using the TPM chip on the computer, which means anyone who st...
by VictoriaF
Mon Oct 01, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Do you like technical conferences?
Replies: 31
Views: 1941

Re: Do you like technical conferences?

I like to go to technical conferences. I use the present tense, because I still like it and I still go to conferences in retirement. Fortunately for me, many conferences take place in the Washington, DC, area, and many of these conferences are free. The primary focus of my conference attendance is m...
by VictoriaF
Sat Sep 29, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 129
Views: 14702

Re: Should we stay in Crazytown because there's no where to run?

The market collapse is like death. You know that it's coming, but you don't know when. After taking some obvious precautions, you don't think about it and just go about your daily business.

In fact, the market is better than death, because after it goes down it (usually) goes up.

Victoria
by VictoriaF
Sat Sep 29, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: New Laptop setup questions
Replies: 23
Views: 2044

Re: New Laptop setup questions

I do my taxes and other financial records in Excel, and I would never use cloud-based spreadsheets for that. I need access to my financial files if my computer becomes disconnected for whatever reasons. I cannot depend on the cloud provider for the security or reliability. And I don't want to deal w...
by VictoriaF
Fri Sep 28, 2018 11:02 pm
Forum: Investing - Theory, News & General
Topic: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement
Replies: 82
Views: 9665

Re: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement

An excellent tool, thank you.

But I can't help thinking that ten years ago during the Great Recession the outcome would have looked very differently.

Victoria
by VictoriaF
Wed Sep 26, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 8892

Re: Losing Passion for Hobbies. Cheap or normal aging?

I read/listen to content that I view as productive. And I have noticed that life is more interesting when you are stimulating your mind and growing intellectually. I have enjoyed your posts and I believe it may have been one of your posts that led me to start regularly reading the Farnam Street blo...
by VictoriaF
Wed Sep 26, 2018 6:44 pm
Forum: Forum Issues and Administration
Topic: SITE OFFLINE Wednesday, 9:00 PM Eastern (01:00 UTC) - software upgrade
Replies: 16
Views: 805

Re: SITE OFFLINE Wednesday, 9:00 PM Eastern (01:00 UTC) - software upgrade

How dare you to put the Forum off-line at 9pm when the discussions are at their peak! Can't you do the maintenance between 2am and 4am when we sleep?

Victoria
by VictoriaF
Wed Sep 26, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 8892

Re: Losing Passion for Hobbies. Cheap or normal aging?

I used to view those who have relaxed on their activities and hobbies as “old” and therefore I would continue my hobbies and activities even if required self-discipline to avoid letting age make my life boring. I have a few recommendations: 1. Create a 2x2 matrix for people you know, including the ...
by VictoriaF
Fri Sep 21, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: [Credit freezes and un-freezes are now free]
Replies: 58
Views: 2379

Re: [Credit freezes and un-freezes are now free]

Earlier today, Brian Krebs has posted a detailed primer to freezing (and unfreezing):
https://krebsonsecurity.com/2018/09/cre ... age-begin/

The article contains links to all CRAs and discusses other places where freezes are recommended.

Victoria
by VictoriaF
Fri Sep 21, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Buying secondary market TIPS via Vanguard Brokerage
Replies: 7
Views: 465

Buying secondary market TIPS via Vanguard Brokerage

I purchased some TIPS on auctions and secondary market ten years ago. At that time, I figured it out, but without practice have forgotten how I did it. Now that 5-year TIPS are yielding about 0.9%, almost as much as 30-year TIPS, I want to buy some. I have some basic questions as follows: 1. Can I b...
by VictoriaF
Fri Sep 21, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 9897

Re: How real is cyber risk?

Concerns about security of SMS are overblown. Well over 99.999% of people will never have their phone number ported out by a malicious actor, a couple of well-publicized celebrity cases notwithstanding. For them, using SMS as a second factor is a HUGE improvement over not having a second factor at ...
by VictoriaF
Fri Sep 21, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 9897

Re: How real is cyber risk?

Concerns about security of SMS are overblown. Well over 99.999% of people will never have their phone number ported out by a malicious actor, a couple of well-publicized celebrity cases notwithstanding. For them, using SMS as a second factor is a HUGE improvement over not having a second factor at ...
by VictoriaF
Thu Sep 20, 2018 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional TSP and Roth TSP
Replies: 16
Views: 1566

Re: Traditional TSP and Roth TSP

Gee, thanks for all the info. Yes, I live in Florida. Work for the VA. I guess traditional TSP is the way to go as I am getting older than I would like to admit. I spent my life being stupid and wasting time and money, so I figure I better get my ass in gear for retirement or later on I will be sor...
by VictoriaF
Thu Sep 20, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11611

Re: Did you really have something to retire to?

I unequivocally retired "to" solid plans. And I would not have it any other way. 1. I had numerous interests that I could not attend to while I was working. 2. My guiding principle was Benjamin Franklin's maxim that "failing to plan is planning to fail." 3. I followed Stephen Covey's "big rocks" mod...
by VictoriaF
Thu Sep 20, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 9897

Re: How real is cyber risk?

Here is an excellent recent article "Before You Turn On Two-Factor Authentication…" Aug 14, 2018, https://medium.com/@stuartschechter/bef ... 148cc5b9a1

Victoria
by VictoriaF
Thu Sep 20, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2922
Views: 574437

Re: What's Your Credit Card Rewards Strategy?

I am thinking of canceling my Chase Sapphire Preferred (CSP) card, because I have two other cards that perform CSP's functions: - Chase Ink Preferred has 3x on travel expenses - Chase Ink Cash has 2x on restaurants Chase Ink Preferred allows me to: - book on the Chase portal at 1.25 redemption rate...
by VictoriaF
Wed Sep 19, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25091

Re: What is your single most expensive mistake?

$17.50 for a cancelled Amtrak ticket. If I waited until last week, it would have been free due to the weather delays.

Victoria
by VictoriaF
Tue Sep 18, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank used to be more customer focused
Replies: 46
Views: 6089

Re: Chase Bank is the Devil

I manually enter my CC transactions into my own XLS log. I don't trust QuickBooks or any other software to keep track of my expenses. As for Chase, my Chase credit card bonuses have already paid for several trips to Europe and will pay for many more. If Chase Bank is the Devil, I am a Devil Worshipe...
by VictoriaF
Tue Sep 18, 2018 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 9897

Re: How real is cyber risk?

Cyber Risk is so real that there will be an entire week on 15-19 October 2019, full of cyber security events in D.C.: CyberWeek by CyberScoop https://www.cyberscoop.com/events/dc-cyberweek/2018/ . I have signed for several events including a session with the Israeli cybersecurity experts.

Victoria
by VictoriaF
Tue Sep 18, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2922
Views: 574437

Re: What's Your Credit Card Rewards Strategy?

Here is a link to the Heathrow free local bus route: https://www.heathrow.com/file_source/Heathrow/Static/PDF/Transport_and_directions/travel_around_Heathrow.pdf And yeah, "free" means you just get on the bus at the T2/T3 bus station and get off in front of the Ibis Styles. No money or bus pass nee...
by VictoriaF
Tue Sep 18, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2922
Views: 574437

Re: What's Your Credit Card Rewards Strategy?

The Heathrow hotels have always tended to be cheap on weekends when occupancy rates are lower. For business travel, I'm often flying on a Saturday where I'm at my destination city on Sunday afternoon ready to work on a Monday and I tend to do the same with leisure flights so it's not a traffic jam ...
by VictoriaF
Mon Sep 17, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: Is there such thing as saving TOO much?
Replies: 78
Views: 6912

Re: Is there such thing as saving TOO much?

There is not such a thing as saving too much. There is such a thing as spending too little. If you need $60k to live a healthy balance life and you earn $100k, you save $40k(*). If you earn $200k, you save $140k. If you earn $600k, you save $540k. None of these savings are too much. (*) I am making ...
by VictoriaF
Mon Sep 17, 2018 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 74
Views: 7854

Re: I see now why Rollovers can take FOREVER ....

unclescrooge wrote:
Sun Sep 16, 2018 5:54 pm
I was trying to help my cousin roll over a CD IRA from Wells Fargo about 4 years ago.
I have some IRA CDs in credit unions. Are you saying that getting these money back to Vanguard would be a problem?

Victoria
by VictoriaF
Mon Sep 17, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Cheap Flights
Replies: 23
Views: 2285

Re: Cheap Flights

Not sure what city you are in, but I always seem to find good deals on Frontier. Won't be a comfortable ride, but always cheap and can play around with prices if you can fly on different days. Southwest has good deals usually too! I recently had my first round-trip on Frontier, and a friend had a r...
by VictoriaF
Mon Sep 17, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: How to start a website?
Replies: 12
Views: 1298

Re: How to start a website?

Yes you *can* get your domain name registration at the same place you host your site - like GoDaddy or wherever - but I always recommend my clients *not* do that. When you mix the two, it can be hard to untangle them when, for example, you want to change hosting providers. Newbies in particular sho...
by VictoriaF
Mon Sep 17, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2922
Views: 574437

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
Mon Sep 17, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52879

Re: That Extravagant Thing You Do

Extravagance is in the eyes of the beholder. For many years, I was priding myself on flying economy. Then I found an inexpensive business class flight for an over-night flight to Frankfurt, which I will use later this month. Two days ago, I was booking a short winter trip to Vienna and decided to u...
by VictoriaF
Mon Sep 17, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2922
Views: 574437

Re: What's Your Credit Card Rewards Strategy?

Should I go ahead and cancel CSP? Or am I missing some of its features that are not covered by my other cards? I keep reading that business cards are not subject to the same consumer protection laws as personal consumer cards. I don’t know what that means in practice, but it might worth investigati...
by VictoriaF
Mon Sep 17, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2922
Views: 574437

Re: What's Your Credit Card Rewards Strategy?

Downgrades and upgrades usually don't get bonuses. While true, Victoria mentioned that she's ineligible for a Sapphire bonus until February 2020. She could happily switch between products until January 2020 without worrying about bonuses. I am at a very low count of recent credit cards, only 2/24, ...
by VictoriaF
Mon Sep 17, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2922
Views: 574437

Re: What's Your Credit Card Rewards Strategy?

I have a Chase United Explorer card I used to get early boarding until I hit elite FT status last March. I need to remember to cancel that card before the 1 year anniversary in November when I get socked with a fee. I keep Chase United Explorer to get early boarding and bring a carry-on, when I fly...
by VictoriaF
Mon Sep 17, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2922
Views: 574437

Re: What's Your Credit Card Rewards Strategy?

This thread reminded me to apply for a Citi AAdvantage card to game the bonus deal. I use those miles on British Airways Boston-LHR morning flights so I don't have to take a red eye to get to Europe. Should be in my mailbox in another week or so. I should have no problem pushing $2,500 through the ...
by VictoriaF
Mon Sep 17, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2922
Views: 574437

Re: What's Your Credit Card Rewards Strategy?

I am thinking of canceling my Chase Sapphire Preferred (CSP) card, because I have two other cards that perform CSP's functions: - Chase Ink Preferred has 3x on travel expenses - Chase Ink Cash has 2x on restaurants Chase Ink Preferred allows me to: - book on the Chase portal at 1.25 redemption rate...
by VictoriaF
Sun Sep 16, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2922
Views: 574437

Re: What's Your Credit Card Rewards Strategy?

I am thinking of canceling my Chase Sapphire Preferred (CSP) card, because I have two other cards that perform CSP's functions: - Chase Ink Preferred has 3x on travel expenses - Chase Ink Cash has 2x on restaurants Chase Ink Preferred allows me to: - book on the Chase portal at 1.25 redemption rate,...
by VictoriaF
Sat Sep 15, 2018 3:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master thread for Washington DC Area Bogleheads
Replies: 146
Views: 42345

Re: Master thread for Washington DC Area Bogleheads

SGM wrote:
Sat Sep 15, 2018 10:28 am
Have there been any discussions of the impact of the tax law changes? I would take you all out to dinner but my first delayed SS payment doesn't come until next week. :wink:
SGM, I am so sorry about your financial hardship. May I buy you a dinner tomorrow?

Victoria
by VictoriaF
Sat Sep 15, 2018 3:43 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio’s latest fearmongering round
Replies: 53
Views: 5136

Re: Ray Dalio’s latest fearmongering round

It’s interesting that some of his proposed bad scenarios are specially toxic to BogleHeads principles: Bonds are for safety No need for currency diversification away from dollar It won’t just be a debt problem this time around, he said, but rather a story about unfunded pension and health-care obli...
by VictoriaF
Sat Sep 15, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: When to Retire
Replies: 48
Views: 6730

Re: When to Retire

HomerJ wrote:
Sat Sep 15, 2018 3:04 pm
jehovasfitness wrote:
Fri Sep 14, 2018 6:30 pm
Someone bumped a 7 yr old thread. Whatever happened?
Yeah, the fact that I once watched a TJ Hooker rerun needs to stay lost on the Internet, not brought to the front page again.
Be glad that we have not revived your watching hookers. Just kidding.

Victoria
by VictoriaF
Fri Sep 14, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: When to Retire
Replies: 48
Views: 6730

Re: When to Retire

Barb, If you are asking for permission to retire at 65, I’m happy to give it to you. Sounds like you’re burning out. If you think you and DH can afford to live, just do it. Be prudent financially. Life is sometimes shorter than you think. Personally, my retirement years have been wonderful. Good lu...
by VictoriaF
Fri Sep 14, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 71
Views: 5481

Re: Shorts in Egypt

Shorts are a crime against elegance.

Victoria