Bogleheads.org

VictoriaF

https://www.nytimes.com/2018/04/20/smarter-living/why-you-should-hire-a-financial-planner.html?action=click&module=Smarter%20Living&pgtype=Homepage “I liken it to WebMD. You can look up symptoms, but there’s a limit to what you can do with that information,” Mr. Brown explained. “Finance is the sam...

VictoriaF

orange goggles when using electronic devices You can probably program your electronics to put out less blue light (especially in the evening), then you do not need goggles Thank you, I will look into it. What I like about orange goggles is how cheap, simple, and effective this solution is. It's an ...

VictoriaF

3. I have always led a healthy life and don't have any diseases. But recently I started reading about and implementing advanced health-related activities such as intermittent fasting, barefoot shoes, Epsom salt baths, cold showers, orange goggles when using electronic devices, and a bed of nails . ...

VictoriaF

I see it often said that you need to retire to something, not from something. Or words to that effect. While that is true, don't be afraid to change things up and take a different path than you originally planned. I agree with you. I have attended a workshop and read the book "Designing Your Life" ...

VictoriaF

Funny thing about estimated payments is that you never get any receipt or any paperwork telling you how much you have already paid. What if you forgot about making the estimated payments or telling that to the person who is preparing your taxes from all the available paperwork? Will IRS correct the...

VictoriaF

3. I have always led a healthy life and don't have any diseases. But recently I started reading about and implementing advanced health-related activities such as intermittent fasting, barefoot shoes, Epsom salt baths, cold showers, orange goggles when using electronic devices, and a bed of nails . ...

VictoriaF

I am 3.5 years into my retirement. I have not had major surprises, but there are some things that are different from my initial plans. 1. My interest in travel has diminished. I am still traveling, but this year it will be 80 to 90 days away from home instead of 120 days in the first two years. I am...

VictoriaF

Regarding tax fraud: There is real possibility that your tax account may get breached and criminals would get a refund in your name, preventing you from filing taxes electronically. There are several things you can do to mitigate different aspects of this potential problem: 1. Create your own accoun...

VictoriaF

I just mailed mine today from my local post office. They gave me tracking numbers. I can check the tracking numbers and find out when it arrived at its destination. They, state and federal, were postmarked April 16th. That's exactly what I did. I mailed my taxes on the 16th. Today, on the 20th, as ...

VictoriaF

Some but not all years I mail my return from the post office. Often, I need to see if the envelope needs extra postage beyond a single first-class stamp. I almost always owe some money so when I see the check hit my account I know they got the return. I too mail from the post office. Until this yea...

VictoriaF

If the OP purchased an SPIA paying him $75k with generous inflation adjustments, he would have a safe retirement. MikeG already wrote a nice reply about it. My question to the BH community is "why there is so much emphasis on safety without really understanding the basic underlying reasoning as to ...

VictoriaF

I wonder if this is a smart way for Costco to provide a public service along with helping itself. It's advertisement for the pharmacy and health products and gets some shoppers in the doors. Also, employees might use it and stay healthier or they may be required to do some testing/education that re...

VictoriaF

Bah. I am within walking distance of the one in New Jersey in Lawrenceville and am there about three to five times a week. And of course all they have this year is osteoporosis screening on the schedule which is for females. But I must say it is scheduled for April 18th and I have seen no signs at ...

VictoriaF

If the OP purchased an SPIA paying him $75k with generous inflation adjustments, he would have a safe retirement. MikeG already wrote a nice reply about it. My question to the BH community is "why there is so much emphasis on safety without really understanding the basic underlying reasoning as to ...

VictoriaF

It's very reassuring to have SS and/or a good pension for part of retirement expenses, but do you really think a 2.5% withdrawal rate is unsafe, even for a long retirement? If so, why do you think that? The unsafe part is not the 2.5% withdrawal rate but the 50/50 portfolio stipulated by the OP. He...

VictoriaF

You are right! I did transfer 40k SPG, and thus have lost 12.5k potential AA miles. As for the hindsight bias, I insist that it is taking place. Last week, you thought that it was premature to discuss the consequences of the Marriott/SPG merger. But you could not have 100% confidence that you were ...

VictoriaF

New member here, enjoying this fine forum. I took the free diabetes screening at Costco a couple of years ago. It was a weekend, the store was busy, and I stumbled upon the testing station. There were about five staff, probably nurses, located between the cash registers and pharmacy, in a kiosk tha...

VictoriaF

No, I would not be comfortable. The stock market has helped me to accumulate the assets. But I would not rely on it paying my living expenses for the rest of my life. Victoria It's very reassuring to have SS and/or a good pension for part of retirement expenses, but do you really think a 2.5% withd...

VictoriaF

3. Find a beautiful woman to marry who has a high net worth, and hopefully being in a big city like LA I’d find someone The best market for beautiful rich women is New York City. If you are any good, organize an auction. Victoria Did you just recommend that he auction himself off? :) Auctions are q...

VictoriaF

3. Find a beautiful woman to marry who has a high net worth, and hopefully being in a big city like LA I’d find someone The best market for beautiful rich women is New York City. If you are any good, organize an auction. Victoria Did you just recommend that he auction himself off? :) Auctions are q...

VictoriaF

Correction, Your Honor! I have lost only 6,250 miles. By transferring 20k from SPG to AA, I got 25k AA miles. If I waited until today, I would have gotten 31.5k AA miles. I feel the loss. But I did the best I could with the information I had at the time. Faulting me for that decision now is a hinds...

VictoriaF

GrayS26 wrote: ↑
Tue Apr 17, 2018 3:55 pm

3. Find a beautiful woman to marry who has a high net worth, and hopefully being in a big city like LA I’d find someone

The best market for beautiful rich women is New York City. If you are any good, organize an auction.

Victoria

VictoriaF

No, I would not be comfortable. The stock market has helped me to accumulate the assets. But I would not rely on it paying my living expenses for the rest of my life. Victoria You are retired now. How you are paying for your living expenses? Pension? Or something else? Do you suggest the OP should ...

VictoriaF

No, I would not be comfortable. The stock market has helped me to accumulate the assets. But I would not rely on it paying my living expenses for the rest of my life. Victoria It's very reassuring to have SS and/or a good pension for part of retirement expenses, but do you really think a 2.5% withd...

VictoriaF

And OP just lost out the 25% bonus (10K AA miles) for acting on a rumor. 10K is not that much but it would have hurt if it was a 400K SPG to AA without the bonus. https://www.aa.com/i18n/aadvantage-program/miles/partners/hotels/convert-hotel-points-to-miles.jsp 25% conversion bonus for 5 hotel part...

VictoriaF

I would be 98 and dont want to be alive. Seriously, we cannot predict how immigration flows will go, how various things will happen, and whether moon occupancy will be an option. I will choose the moon or Mars if I have a choice. Shoot for the moon. Moon is made of blue cheese which is healthier th...

VictoriaF

Bah. I am within walking distance of the one in New Jersey in Lawrenceville and am there about three to five times a week. And of course all they have this year is osteoporosis screening on the schedule which is for females. But I must say it is scheduled for April 18th and I have seen no signs at ...

VictoriaF

No, I would not be comfortable. The stock market has helped me to accumulate the assets. But I would not rely on it paying my living expenses for the rest of my life.

Victoria

VictoriaF

Have been a Costco member for many years, but never saw any free screening in the warehouse. It could be a regional thing? It seems so. Looking at the spreadsheet, they appear to rotate screenings across the states. In April, some states get heart screening, others blood glucose, others bone densit...

VictoriaF

I thought it was a suit against a bra size.

Victoria

VictoriaF

I have stumbled upon a spreadsheet with a schedule of free screenings at Costco locations around the U.S.A., https://m.costco.com/wcsstore/CostcoUSBCCatalogAssetStore/rx/HealthWellnessClinicSchedule.pdf I don't remember this benefit of Costco membership being discussed. Have Bogleheads used this fre...

VictoriaF

If you get a blood pressure monitor from Costco and it does not work, you can return it.

Victoria

VictoriaF

But when I am traveling, I drink free water that comes from a faucet. Victoria A false economy in many countries, although foreign hospitals often make for interesting sightseeing diversions. I have visited Nepal, Ecuador, Peru, Mexico, and Guatemala without hospital sightseeing. My more recent tri...

VictoriaF

y; I have gotten into places where I have run out of water and held back at paying several dollars for a bottle of water that I could get at a grocery store for a quarter. That was a mistake since I got dehydrated and grumpy and ruined the afternoon. Now if I run out of water I just buy the overpri...

VictoriaF

Get Global Entry. It will let you to board faster via TSA PreCheck and to go through the customs faster on you return from abroad. Victoria I suspect that, like me, many Bogelheads are old enough to often get free TSA PreCheck from the airlines and are too cheap with their $$ and time to get Global...

VictoriaF

If you’re going to use an ATM to get cash in the country’s currency be sure your spouse has an ATM card too, preferably in his/her own name. A bank ATM in Greece ate my card on a holiday which would have left us with very limited funds. We found another ATM and used my wife’s card with no problem. ...

VictoriaF

Get Global Entry. It will let you to board faster via TSA PreCheck and to go through the customs faster on you return from abroad.

Victoria

VictoriaF

I travel abroad without any telephones, smartphones, or computers. This allows me to focus on the people and places I visit rather than the electronics. And I have fewer concerns about theft.

Victoria

VictoriaF

tesuzuki2002 wrote: ↑
Fri Apr 13, 2018 3:26 pm

badbreath wrote: ↑
Tue Sep 05, 2017 8:30 pm
My wife

I'm just kidding

Do you also regret badbreath's wife?

Victoria

VictoriaF

OP is speculating upon a speculation. There is some event soon but it is speculation that it is about SPG/Marriott program and it is speculation program will merge August and it is also speculation no airline transfer option. It's also speculation that program award chart will be dynamic priced bas...

VictoriaF

I have seen no reliable source that the airline transfer will be eliminated without notice. I plan on holding on to my Marriott and SPG miles....for now. I fully agree that the rumors about termination of transfers are unreliable. However, I am thinking of this as a Pascal's Wager. If the transfers...

VictoriaF

One should not get in tax trouble if later quarters have higher annualized income tax (due to higher income). However, it may be necessary to file with the tax return Form 2210 with Schedule AI (Annualized Income Installment Method) completed. Schedule AI documents what the income tax liability was...

VictoriaF

I have seen no reliable source that the airline transfer will be eliminated without notice. I plan on holding on to my Marriott and SPG miles....for now. I fully agree that the rumors about termination of transfers are unreliable. However, I am thinking of this as a Pascal's Wager. If the transfers...

VictoriaF

I over-estimate my estimated taxes for the year and pay equal installments in the 1st, 2nd and 3rd quarters. By the 4th quarter, I have a pretty good idea of my tax liability and reduce the amount of my estimated taxes for the 4th quarter accordingly. In the past, I would not have minded paying extr...

VictoriaF

Several travel/credit card bloggers have posted about an upcoming 16 April 2018 announcement related to the Marriott and SPG merger (see, for example, Frequent Miler's today's post https://frequentmiler.boardingarea.com/2018/04/13/the-marriott-spg-rumor-mill-whats-real/). They predict that the joint...

VictoriaF

Problem statement : After reading a book about sleep, I decided to improve the quality of mine by eliminating blue light frequencies for a couple hours before sleep. Regret : I have purchased two yellow light bulbs for my bedroom. Unfortunately, the bulbs were too dim for me to read in bed . This i...

VictoriaF

The flip side is that you don't get into an Ivy League school because your parents are movers and shakers. You get into an Ivy League school if you have superior talents: academic, creative, athletic, artistic. Citation most definitely needed. Unless you count being born into the right family a sup...

VictoriaF

The flip side is that you don't get into an Ivy League school because your parents are movers and shakers. You get into an Ivy League school if you have superior talents: academic, creative, athletic, artistic. Citation most definitely needed. Unless you count being born into the right family a sup...

VictoriaF

I live in an affluent area with many doctors, lawyers; movers and shakers. Many of their kids are going to ivy league level schools. Understandably their parents are very proud. My son on the other hand is an average student. A top Ivy League school (Harvard, Princeton, Yale) is the best option bec...

VictoriaF

ddurrett896 wrote: ↑
Wed Apr 11, 2018 5:22 pm
I don't think it's the right move to ask the grandparent to stop spoiling him and frankly that's their right.

No, it is not. Nobody has rights over your child. You have the rights. And you have the responsibility to raise your child according to your values.

Victoria

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