Search found 17139 matches

by VictoriaF
Fri Nov 10, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 135
Views: 8391

Re: Thouhgts about wearing a "uniform"/same thing everyday?

michaeljc70 wrote:
Fri Nov 10, 2017 8:46 pm
I just don't see how it is complicated to have a few pair of jeans and different colored polos.
Your response is quite different from FedGuy's above. Do you mean that all guys are not the same?

Victoria
by VictoriaF
Fri Nov 10, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16156

Re: Flying first class, business, versus economy.

In my experience business class does not help very much in feeling fresh on arrival. Having a sleepless night is more of a problem for me than the jetlag. On a few occasions when I could sleep horizontally in the back row, I felt fine upon arrival. I am usually well organized: as soon as I get into...
by VictoriaF
Fri Nov 10, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 135
Views: 8391

Re: Thouhgts about wearing a "uniform"/same thing everyday?

1. Your professors were expressing their unique tastes. They would cringe if their attire were called "uniform." I know generalizations like the one I'm about to make are dangerous, but I think that's a very female way of looking at things. I, and most guys I've discussed this with, have no interes...
by VictoriaF
Fri Nov 10, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16156

Re: Flying first class, business, versus economy.

6 hours and under I'll look to fly economy. Over 6 fly business or first. Also something to consider is booking business or first for the leg you sleep on and economy for the leg you'd be awake on. I fly Economy, but for the next summer flight to Europe I booked Business class. I am fine in Economy...
by VictoriaF
Fri Nov 10, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 135
Views: 8391

Re: Thouhgts about wearing a "uniform"/same thing everyday?

When I was in college, and grad school, I came across more than one professor who wore a "uniform"... You are confusing several concepts. 1. Your professors were expressing their unique tastes. They would cringe if their attire were called "uniform." 2. The main advantage of having standardized clo...
by VictoriaF
Fri Nov 10, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1711

Re: Comments on Kia Soul?

Which color(s) are most likely to be stolen? According to the Australian statistics linked by TravelGeek, there are more white cars on the roads than other colors. If the base rate of white cars is higher, more of them are stolen. The specifics depend on the thief. A professional thief will choose ...
by VictoriaF
Fri Nov 10, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34604

Re: Did you tell anyone you paid off your mortgage?

renue74 wrote:
Fri Nov 10, 2017 2:59 pm
I'm 43 and I think we're slated to pay off our mortgage in 3 years....right before our oldest goes to college. I'm not really sure I have anybody I know who cares I paid it off.
Check if having a mortgage may increase financial aid from the colleges your children are likely to apply to.

Victoria
by VictoriaF
Fri Nov 10, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: New CEO Tim Buckley: To run Vanguard, 'you have to be willing not to be a billionaire'
Replies: 24
Views: 4099

Re: New CEO Tim Buckley: To run Vanguard, 'you have to be willing not to be a billionaire'

I give Buckley credit for saying "not to be a billionaire." So many people would have split the infinitive into "to not be a billionaire." There's nothing wrong with split infinitives. Many years ago, certain self-appointed English language experts decided that since Latin could not split infinitiv...
by VictoriaF
Fri Nov 10, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1711

Re: Comments on Kia Soul?

I know I am going to get in trouble questioning an accomplished statistician, but you have not convinced me. You say white cars are more noticeable. I believe you. However, does that translate into statistical significance when it comes to safety. to the extent that it should drive one's purchase d...
by VictoriaF
Fri Nov 10, 2017 12:57 pm
Forum: Investing - Theory, News & General
Topic: New CEO Tim Buckley: To run Vanguard, 'you have to be willing not to be a billionaire'
Replies: 24
Views: 4099

Re: New CEO Tim Buckley: To run Vanguard, 'you have to be willing not to be a billionaire'

I give Buckley credit for saying "not to be a billionaire." So many people would have split the infinitive into "to not be a billionaire." There's nothing wrong with split infinitives. Many years ago, certain self-appointed English language experts decided that since Latin could not split infinitiv...
by VictoriaF
Fri Nov 10, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34604

Re: Did you tell anyone you paid off your mortgage?

I don’t understand why you’re so angry? You think in every single case it makes sense to pay off a mortgage. I don’t. I can make a valid argument on why that is the case and all you can say is “DAVE RAMSEY SAYS RISK”. I don't see Grt2bOutdoors's comments as angry, and he has not mentioned Dave Rams...
by VictoriaF
Thu Nov 09, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: College student... Financial mess... Need advice...
Replies: 58
Views: 5639

Re: College student... Financial mess... Need advice...

As I was reading the thread, I came up with another possible solution: The OP would transfer his half of the lease to the third person, a woman. Let's call her Lisa. Lisa would pay the OP, e.g., $500/month, and share the apartment with his ex-girlfriend. The OP would continue living rent-free with t...
by VictoriaF
Thu Nov 09, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1711

Re: Comments on Kia Soul?

https://www.aaafoundation.org/sites/default/files/CarColorAndSafety.pdf There might still be some opportunity for research in this area. https://www.carloans.com.au/top-10/top-10-safest-colours-for-cars Apparently the Aussies aren’t convinced that white is the way to go. And they don’t even have bl...
by VictoriaF
Thu Nov 09, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34604

Re: Did you tell anyone you paid off your mortgage?

But here is an interesting observation related to the premise of this thread: - If you have paid your mortgage you are perceived as outrageously wealthy. - If you have always rented you are perceived as pitfully poor. Both perceptions can be far off the mark. Victoria, It is interesting that of all...
by VictoriaF
Thu Nov 09, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1711

Re: Comments on Kia Soul?

Not important at all: 1. Color I don't care about color esthetics but after I've read that white cars are more noticeable by other drivers I buy only white cars. I consider it a free safety feature. Victoria I have always wondered what the safest color for a car was? Have I convinced you? Victoria ...
by VictoriaF
Thu Nov 09, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity for winning the game
Replies: 39
Views: 3417

Re: Annuity for winning the game

Mike Piper (Oblivious Investor) and The Other Mel (TOM) gave an excellent presentation about annuities at BH-2017. If it's available on video, it's worth watching.

Victoria
by VictoriaF
Thu Nov 09, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 4762

Re: What do you do to keep your mind sharp?

I have discovered two nontrivial ways to sharpen my mind:
- Improvisation comedy
and
- Zumba.

A friend has recently mentioned that drumming is good for cognition. Does anyone know if that's true?

Victoria
by VictoriaF
Thu Nov 09, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1711

Re: Comments on Kia Soul?

Not important at all: 1. Color I don't care about color esthetics but after I've read that white cars are more noticeable by other drivers I buy only white cars. I consider it a free safety feature. Victoria I have always wondered what the safest color for a car was? Have I convinced you? Victoria
by VictoriaF
Thu Nov 09, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34604

Re: Did you tell anyone you paid off your mortgage?

Biggest mistake of my life. Told friend and he’s been telling me how to live my life since. I wish I said I was broke like everyone else. Can you share your friend's advice? Does he recommend to take home loans? Does he want you to upgrade to a more expensive home? Does he suggest how to spend your...
by VictoriaF
Thu Nov 09, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1711

Re: Comments on Kia Soul?

I don't care about color esthetics but after I've read that white cars are more noticeable by other drivers I buy only white cars. I consider it a free safety feature. Victoria My wife won't buy a white car after reading about a driver in a white car driving into a ravine on the side of the road so...
by VictoriaF
Thu Nov 09, 2017 3:07 pm
Forum: Investing - Theory, News & General
Topic: The fear of retirement, black swan, and math to dissuade the fear.
Replies: 135
Views: 12129

Re: The fear of retirement, black swan, and math to dissuade the fear.

Exactly, ultimately it becomes less about planning for specific type events and more about building general resiliency (or antifragility in Taleb's parlance) into your systems (financial and otherwise). So, does that mean anything aside from the usual cautions about retiring early - be well diversi...
by VictoriaF
Thu Nov 09, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1711

Re: Comments on Kia Soul?

protagonist wrote:
Thu Nov 09, 2017 2:30 pm

Not important at all:
1. Color
I don't care about color esthetics but after I've read that white cars are more noticeable by other drivers I buy only white cars. I consider it a free safety feature.

Victoria
by VictoriaF
Thu Nov 09, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: What is the difference between retiring and resigning from a job?
Replies: 42
Views: 4326

Re: What is the difference between retiring and resigning from a job?

It's a matter of the first mover advantage:

If you mistreat them, e.g., by embezzling funds or harassing beautiful colleagues, you resign.
If they mistreat you, e.g., by asking you to attend staff meetings, you retire.

Victoria
by VictoriaF
Thu Nov 09, 2017 1:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1100958

Re: U.S. stocks in freefall

fantasytensai wrote:
Thu Nov 09, 2017 9:51 am
And.....we are back!!!
This thread is too lethargic.

Victoria
by VictoriaF
Thu Nov 09, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: The fear of retirement, black swan, and math to dissuade the fear.
Replies: 135
Views: 12129

Re: The fear of retirement, black swan, and math to dissuade the fear.

By the way, I'm having a special on alien enslavement insurance. Everyone who signs up in the next 48 hours will get a free can of zombie repellant. I am looking for pheromones for attracting zombies and surviving the zombie apocalypse while having the most spectacular love affair. Hopefully, they ...
by VictoriaF
Thu Nov 09, 2017 12:16 pm
Forum: Investing - Theory, News & General
Topic: The fear of retirement, black swan, and math to dissuade the fear.
Replies: 135
Views: 12129

Re: The fear of retirement, black swan, and math to dissuade the fear.

It doesn't matter what you set your SWR at in terms of dealing with blackswan events. When the US gets nuked, the US devalues the dollar by 1000000%, the communists take over and sieze all private assets, civil war breaks out between red/blue states and so on (i.e. black swan events are not somethi...
by VictoriaF
Thu Nov 09, 2017 11:53 am
Forum: Investing - Theory, News & General
Topic: The fear of retirement, black swan, and math to dissuade the fear.
Replies: 135
Views: 12129

Re: The fear of retirement, black swan, and math to dissuade the fear.

It doesn't matter what you set your SWR at in terms of dealing with blackswan events. When the US gets nuked, the US devalues the dollar by 1000000%, the communists take over and sieze all private assets, civil war breaks out between red/blue states and so on (i.e. black swan events are not somethi...
by VictoriaF
Thu Nov 09, 2017 11:36 am
Forum: Investing - Theory, News & General
Topic: The fear of retirement, black swan, and math to dissuade the fear.
Replies: 135
Views: 12129

Re: The fear of retirement, black swan, and math to dissuade the fear.

It doesn't matter what you set your SWR at in terms of dealing with blackswan events. When the US gets nuked, the US devalues the dollar by 1000000%, the communists take over and sieze all private assets, civil war breaks out between red/blue states and so on (i.e. black swan events are not somethi...
by VictoriaF
Thu Nov 09, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34604

Re: Did you tell anyone you paid off your mortgage?

Biggest mistake of my life. Told friend and he’s been telling me how to live my life since. I wish I said I was broke like everyone else. Can you share your friend's advice? Does he recommend to take home loans? Does he want you to upgrade to a more expensive home? Does he suggest how to spend your...
by VictoriaF
Thu Nov 09, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: water filter for a home
Replies: 36
Views: 3920

Re: water filter for a home

I forgot what my point was. Oh yeah. It could be a lot worse. This is definitely true. But: - Once you become aware of the problem, and it is fixable , it bothers you until you fix it. - Bogleheads are aware of others who are a lot worse financially, but that does not prevent us from pursuing optim...
by VictoriaF
Wed Nov 08, 2017 4:54 pm
Forum: Investing - Theory, News & General
Topic: New CEO Tim Buckley: To run Vanguard, 'you have to be willing not to be a billionaire'
Replies: 24
Views: 4099

Re: New CEO Tim Buckley: To run Vanguard, 'you have to be willing not to be a billionaire'

I give Buckley credit for saying "not to be a billionaire." So many people would have split the infinitive into "to not be a billionaire."

Victoria
by VictoriaF
Wed Nov 08, 2017 4:37 pm
Forum: Investing - Theory, News & General
Topic: "I took all my money out of the stock market and it feels amazing"
Replies: 69
Views: 8700

Re: "I took all my money out of the stock market and it feels amazing"

The Bogleheads responses here are so out of character! From the level of criticism, you would think that the woman has put all her money into bitcoins, or alternative energy sources on the Moon. As a writer and librarian, she seems to have done quite well. She probably maintained a low cost of livin...
by VictoriaF
Wed Nov 08, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: water filter for a home
Replies: 36
Views: 3920

Re: water filter for a home

It came with a tester that I can only assume measures the ability of the water to conduct an electric charge (capacitance). I remember my unfiltered water read ~700 ppm (not sure if it was ppm aka parts per million, but the relative numbers are what is important here), the Brita filtered water read...
by VictoriaF
Wed Nov 08, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34604

Re: Did you tell anyone you paid off your mortgage?

I did not tell anyone I paid my mortgage, because I have not paid my mortgage. I have not paid my mortgage, because I have never had a mortgage. I have never had a mortgage, because I have never owned real estate. But here is an interesting observation related to the premise of this thread: - If you...
by VictoriaF
Tue Nov 07, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 7539

Re: Does Retirement Make You Lazier?

On the third hand, I may acquire one of many medical conditions that are not terminal but greatly reduce one's ability to pursue pleasures and goals. The third hand worries me the most, and, unfortunately, it's the hand most likely to be dealt. But as I wrote, I don't think about it much, not yet. ...
by VictoriaF
Tue Nov 07, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Considering buying a new cell phone- ideas?
Replies: 35
Views: 4367

Re: Considering buying a new cell phone- ideas?

Hi, Victoria. Since I started this thread, I signed up with xfinity mobile and can now compare 5 phones. In addition to the Axon 7, I got 3 phones dirt cheap during a promo via xfinity mobile, and I still have my old oneplus one. My conclusion....there is very little difference between cell phones ...
by VictoriaF
Mon Nov 06, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: water filter for a home
Replies: 36
Views: 3920

Re: water filter for a home

This doesn't have anything to do with water filters, but the unprofessional health claims can work the other way and increase the price. Thanks for the story. Back to the filters, this particular company's health claims are not only misleading but also naive. If their customers are sophisticated en...
by VictoriaF
Mon Nov 06, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: water filter for a home
Replies: 36
Views: 3920

Re: water filter for a home

bloom2708 wrote:
Mon Nov 06, 2017 9:22 pm
There is a local radio ad that runs all the time for a water filter system.

"Get a water filter system or be one..."

I heard it several times before it sunk in. Not sure I buy it, but it is a thought provoking ad line. :wink:
If it sunk in, it will sink out. If you are a filter.

Victoria
by VictoriaF
Mon Nov 06, 2017 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 7539

Re: Does Retirement Make You Lazier?

One thing I've noticed is that retirement has made me more patient. One of my biggest pet peeves used to be when people would waste my time needlessly--it doesn't bother me so much now. Curiously, for me it's the opposite. When I was working, wasted time was something I had to plan for and work wit...
by VictoriaF
Mon Nov 06, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: Considering buying a new cell phone- ideas?
Replies: 35
Views: 4367

Re: Considering buying a new cell phone- ideas?

Thank you all for your helpful responses so far. I'm leaning towards the Moto G5 Plus, which, as somebody suggested above, is an incremental improvement over the G4 Plus. But still giving it thought. I may not act for a few months, and who knows what new possibilities there may be? Fortunately, unl...
by VictoriaF
Mon Nov 06, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 7539

Re: Does Retirement Make You Lazier?

One thing I've noticed is that retirement has made me more patient. One of my biggest pet peeves used to be when people would waste my time needlessly--it doesn't bother me so much now. Curiously, for me it's the opposite. When I was working, wasted time was something I had to plan for and work wit...
by VictoriaF
Mon Nov 06, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: water filter for a home
Replies: 36
Views: 3920

Re: water filter for a home

I have two concerns on that system... Thank you so much, Mudpuppy! Now that you have pointed it out, I have the same concerns. Yesterday, I was surprised by the low price and was looking for a "catch." I was ignoring the health claims and not paying attention to unprofessional writing. Now, I am re...
by VictoriaF
Sun Nov 05, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: bidets
Replies: 35
Views: 3122

Re: bidets

Cold water? You must be joking. Even the bidet we had in France in 1960 offered hot and cold water faucets. Wimps :) No easy way to connect hot water to the toilet in our master bathroom. Would be easier in our guest bathroom. I’ll pass this on to my wife; after trips to Asia we usually debate whet...
by VictoriaF
Sun Nov 05, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15013

Re: What was the main reason you retired?

What was the main reason you retired? Here are some examples of reasons I assume one would retire: 1) Hit your number 2) The amount of your contributions no longer made a meaningful difference in the size of your portfolio 3) Lost the motivation to pursue money 4) Had enough of your work environmen...
by VictoriaF
Sun Nov 05, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 6536

Re: GoDaddy - Any better options for website hosting?

I personally had great experiences with NearlyFreeSpeech and their pricing model is very good for small websites. I checked out NearlyFreeSpeech. The pricing is fantastic and their model would fit me in the sense that I don't need more than one URL and don't plan to make money off the blog. However...
by VictoriaF
Sun Nov 05, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Considering buying a new cell phone- ideas?
Replies: 35
Views: 4367

Re: Considering buying a new cell phone- ideas?

This is the Axon 7 Mini version (5.2" screen) https://www.amazon.com/gp/product/B01LY5VWJK/ref=ox_sc_act_title_1?ie=UTF8&psc=1&smid=ATVPDKIKX0DER&tag=tbdirect-20&ascsubtag=f61e1c5b-ff9a-4fd9-a70e-4bf35785cdeb Pretty good price. This phone has an appealing size and price, but it seems it only works ...
by VictoriaF
Sun Nov 05, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 6536

Re: GoDaddy - Any better options for website hosting?

If you just want static file hosting - https://neocities.org It's inspired by the erstwhile Geocities website and is completely free to try out. If you want custom domains you have to be a supporting member ($5/month). Even the free sites don't have any ads and the entire company is supported by pa...
by VictoriaF
Sun Nov 05, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 6536

Re: GoDaddy - Any better options for website hosting?

You should be much more concerned with backup. You should know how to mirror your site locally, and restore it to another web host if needed. Restoring backups periodically is an important part of the backup process. Excellent point. I noticed that backup frequencies and restoration processes vary ...
by VictoriaF
Sun Nov 05, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 6536

Re: GoDaddy - Any better options for website hosting?

What security do you need for something that is public information anyway? I am concerned about ransomware and would like to protect my URL from being used in botnets or spam. There could be other malware ranging from common viruses to some blogging-specific threats. Another issue that came up is u...
by VictoriaF
Sun Nov 05, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 6536

Re: GoDaddy - Any better options for website hosting?

If you just want static file hosting - https://neocities.org It's inspired by the erstwhile Geocities website and is completely free to try out. If you want custom domains you have to be a supporting member ($5/month). Even the free sites don't have any ads and the entire company is supported by pa...