Search found 17801 matches

by VictoriaF
Mon Jun 18, 2018 12:04 am
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 21
Views: 1346

Re: how to make friends in new location?

I'm beginning to believe the world is becoming a lonelier place for a lot of people. I'm just not one of them. People come around me all the time, particularly when I don't want them to (like when I'm studying energizing, inspiring, and amazing stuff written by the smartest people in the room). The...
by VictoriaF
Sun Jun 17, 2018 11:50 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 174
Views: 13902

Re: Life in retirement - what did you do today?

As of this writing, today is already tomorrow. But when today was still today, I went to my improv class, then a few of us went for lunch, and then I walked home. At home, I was catching up with a backlog of mundane tasks that have accumulated while I was away on several back-to-back trips. Victoria
by VictoriaF
Sun Jun 17, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 47
Views: 2925

Re: What are your hobbies?

2015 wrote:
Sun Jun 17, 2018 12:08 pm
Something that's come naturally, almost invisibly, to me since very young is informally coaching others.
I have benefited from your informal coaching. Your blog and book recommendations and comments in Bogleheads discussions are excellent.

Thank you,
Victoria
by VictoriaF
Sun Jun 17, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 21
Views: 1346

Re: how to make friends in new location?

On this board, VictoriaF always strikes me as a very interesting person, with her background and the things she's done and does, and she's fun and funny besides. People like that are not going to have a problem making friends anywhere. Thank you, 2015, My view on friendships is similar to yours. Th...
by VictoriaF
Sat Jun 16, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 47
Views: 2925

Re: What are your hobbies?

I have considered online learning, but I am a bit of a hermit and look for hobbies/activities that motivate me to engage with people face-to-face. One of my top priorities in retirement, right after "stay healthy," is "be socially engaged." I recognize I have to work to avoid becoming socially isol...
by VictoriaF
Sat Jun 16, 2018 5:11 pm
Forum: Investing - Theory, News & General
Topic: Flaw in Logic? CD ladder instead of bond funds
Replies: 61
Views: 3794

Re: Flaw in Logic? CD ladder instead of bond funds

I'm not going to suggest what you should do, but I want to correct some misleading information that's been shared in this thread. ... Kevin Good post, thanks for sharing. Is there a thread or section here at bogleheads focusing on CDs? If you search for Kevin M's posts you will find many excellent ...
by VictoriaF
Sat Jun 16, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 47
Views: 2925

Re: What are your hobbies?

Anybody else around here play pickleball? It's a great sport for people of all ages and levels of athletic ability and can be highly addictive. I play regularly with a pretty athletic group, mainly in their 40s and 50s, with a few younger and older. I'm a pretty athletic guy, and after playing pick...
by VictoriaF
Sat Jun 16, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking spending before retirement useful for estimating retirement expenses?
Replies: 35
Views: 1784

Re: Tracking spending before retirement useful for estimating retirement expenses?

"Plans are useless, but planning is indispensable" (Dwight Eisenhower) Tracking pre-retirement expenses provides you with a basis from which you can make projections into the retirement. You may find some current expenses that will clearly not carry into the future. You can add a large amount of mon...
by VictoriaF
Sat Jun 16, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 47
Views: 2925

Re: What are your hobbies?

My newest hobbies seem to be about education You may be interested in these resources: 1. Coursera course "Learning how to learn" https://www.coursera.org/learn/learning-how-to-learn 2. Scott Young has written some excellent articles about learning. His web site has a lot of information; this page ...
by VictoriaF
Sat Jun 16, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 174
Views: 13902

Re: Life in retirement - what did you do today?

Best thing - if I may recommend - is to move to a place with a high walk score. That typically means a large city. And that's exactly what I did today. In the morning I had an Improv class near DuPont Circle and then walked back to Arlington. It was a bit warm. If I were more disciplined, I would h...
by VictoriaF
Sat Jun 16, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Functional Medicine/ managing the costs
Replies: 31
Views: 1318

Re: Functional Medicine/ managing the costs

Interested to know if anyone has found smart ways to manage the costs for functional medicine specifically, or out of network medical cost in general? I don't have an answer to your question and, like you, I'd like to get tips from the Bogleheads who do. As a counter point to previous posts critici...
by VictoriaF
Sat Jun 16, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 174
Views: 13902

Re: Life in retirement - what did you do today?

Best thing - if I may recommend - is to move to a place with a high walk score. That typically means a large city. And that's exactly what I did today. In the morning I had an Improv class near DuPont Circle and then walked back to Arlington. It was a bit warm. If I were more disciplined, I would h...
by VictoriaF
Sat Jun 16, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13215

Re: Best Advice You Never Took

AerialWombat wrote:
Thu Jun 14, 2018 12:05 am
“Do NOT marry the woman you met at Burning Man.”

I really, really should have followed that advice.
But you must have a great story!

Victoria
by VictoriaF
Sat Jun 16, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 174
Views: 13902

Re: Life in retirement - what did you do today?

quote=2015 post_id=3968664 time=1528760751 user_id=51323] We face more death than when we were younger, but we also have more wisdom to weave its horror and lessons into our lives and continue following our personal missions. Be well, Victoria Great thought, V. 18 years ago, I took hospice voluntee...
by VictoriaF
Sat Jun 16, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: The Psychology of Money - A Blog Post
Replies: 66
Views: 8806

Re: The Psychology of Money - A Blog Post

This is a big one, and I've never heard it said before, yet it's obvious: When you see someone driving a nice car, you rarely think, “Wow, the guy driving that car is cool.” Instead, you think, “Wow, if I had that car people would think I’m cool.” Subconscious or not, this is how people think. The ...
by VictoriaF
Wed Jun 13, 2018 4:58 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13215

Re: Best Advice You Never Took

Just want to say I appreciate the discussion and the book suggestions. Have added two now to my audible wish list This is best advice that you took. It does not belong to this thread. (is it walking meditation if I listen to audiobooks?) Nope, but a good try. When you go for a walk, you can do a fe...
by VictoriaF
Mon Jun 11, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 174
Views: 13902

Re: Life in retirement - what did you do today?

Preparing to return tomorrow to the highly extracting morass that is elder and hospice care which has been incessant since January. It would be nice to say I was preparing for my next scheduled travel adventure this month but all adventures for this year have evaporated in light of this higher prio...
by VictoriaF
Mon Jun 11, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 174
Views: 13902

Re: Life in retirement - what did you do today?

chevca wrote:
Mon Jun 11, 2018 1:25 pm
Is this place turning into Facebook now? What is a consumer issue, finance, or investing related about this?
That's another thread: "Life in retirement - how many commas have you had today?"

Victoria
by VictoriaF
Mon Jun 11, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 174
Views: 13902

Re: Life in retirement - what did you do today?

I went to CVS to get some more small pill packs and some wifey stuff since we are leaving Friday and have about 15 hours to our destination, Odessa in the Ukraine. We have started packing and I handle our medications, cameras, cells, charging equipment, ground excursions and so forth. It's a Viking...
by VictoriaF
Mon Jun 11, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13215

Re: Best Advice You Never Took

Over my short BH lifespan, I have come to appreciate your posts. Even when discussing CC rewards strategies you have managed to interweave the concept of hindsight bias. Over the past 12 months I have read many of the books you recommended. Thank you! I like it when people appreciate my posts, and ...
by VictoriaF
Mon Jun 11, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Anyone use Bluehost for web hosting?
Replies: 12
Views: 670

Re: Anyone use Bluehost for web hosting?

I used to host at A Small Orange a webhost before they were bought out by EIG. I left fairly quickly, and I am not a novice. I have been with Pair.com for almost 20 years. I have also experience with Westhost.com for 15 years. Both have phone support. Thank you for the recommendations. Do Pair.com ...
by VictoriaF
Mon Jun 11, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 174
Views: 13902

Re: Life in retirement - what did you do today?

Yesterday, I was flying from Denver to Washington, DC. The flight departure was changed from 4:30pm to 5:11pm, then to 6pm, then to 8pm, then to an indefinite time with a strong possibility of cancellation, and finally to 9:49pm. There were over a hundred angry, agitated and nervous people. And ther...
by VictoriaF
Mon Jun 11, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2683
Views: 516539

Re: What's Your Credit Card Rewards Strategy?

Another thing to consider is the money value of simplicity. Thinking, planning, etc costs time and time is money. Thank you, protagonist. You have expressed it exactly right. There are many life priorities that are far greater than optimizing CC rewards, and focusing on low hanging fruits is probab...
by VictoriaF
Mon Jun 11, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2683
Views: 516539

Re: What's Your Credit Card Rewards Strategy?

Another thing to consider is the money value of simplicity. Thinking, planning, etc costs time and time is money. Thank you, protagonist. You have expressed it exactly right. There are many life priorities that are far greater than optimizing CC rewards, and focusing on low hanging fruits is probab...
by VictoriaF
Mon Jun 11, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2683
Views: 516539

Re: What's Your Credit Card Rewards Strategy?

1) 30 days should be enough 2) You convert to a Chase Freedom for more 5x bandwidth. Your everyday unbonused spend should go on AMEX Blue Business Plus 3) Highly unlikely Thank you, Jags4186, It's an interesting idea to have 2 x Chase Freedom. A large part of my 5x spending goes into Amazon Gift Ca...
by VictoriaF
Mon Jun 11, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13215

Re: Best Advice You Never Took

Hi Victoria, For fear of sounding like a complete idiot, I think I might have to show this to my daughter who majored in psychology to even understand what you wrote. I know Charlie talks about The Psychology of Human Misjudgment; also known as the "25 Cognitive Biases" and I can find many of those...
by VictoriaF
Mon Jun 11, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13215

Re: Best Advice You Never Took

Hi Victoria, For fear of sounding like a complete idiot, I think I might have to show this to my daughter who majored in psychology to even understand what you wrote. I know Charlie talks about The Psychology of Human Misjudgment; also known as the "25 Cognitive Biases" and I can find many of those...
by VictoriaF
Thu Jun 07, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13215

Re: Best Advice You Never Took

Hi Victoria, For fear of sounding like a complete idiot, I think I might have to show this to my daughter who majored in psychology to even understand what you wrote. I know Charlie talks about The Psychology of Human Misjudgment; also known as the "25 Cognitive Biases" and I can find many of those...
by VictoriaF
Sun Jun 03, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4038

Re: steel cut oats in bulk

This is off-topic but does not deserve its own thread. Normally, I avoid carbohydrates and thus I avoid grains. But as an experiment, I have purchased some steel-cut oats at Whole Foods, from a bulk bin where I could get a small quantity at a good price. I then surfed the web for advice on eating un...
by VictoriaF
Sun Jun 03, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: is Having more and needing less normal?
Replies: 113
Views: 8467

Re: is Having more and needing less normal?

I use my gym membership regularly (4x/wk) and do not have a trainer as I do not need one. I do see some trainers having their clients do crazy things . From what I can see a trainer has to hold hands and create a dependency so that their client needs them. Not much different than financial planners...
by VictoriaF
Sun Jun 03, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: is Having more and needing less normal?
Replies: 113
Views: 8467

Re: is Having more and needing less normal?

Simplification feels good and saves a lot of time (and money). We have a rule in our household. If we buy a new item, we have to donate or get rid of an old one. This goes for everything including clothing, furniture, electronic, tools, etc. The only exception is jewlery. TravelforFun This is an ex...
by VictoriaF
Sun Jun 03, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4183

Re: Travel advice for an engineer

livesoft wrote:
Sat Jun 02, 2018 11:25 am
Don't forget to visit the things that didn't quite work out. That is, the disasters, too.
Chernobyl!

Victoria
by VictoriaF
Sun Jun 03, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13215

Re: Best Advice You Never Took

Actually nothing. I was lucky enough to have a strong inner voice and not follow advice I didn't agree with. I remember my Mother-in-Law was upset that I bought a townhome in 1993 and I'm still in said home with no mortgage and love the area. I paid $134K for this home and could sell it for $525K t...
by VictoriaF
Fri Jun 01, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: is Having more and needing less normal?
Replies: 113
Views: 8467

Re: is Having more and needing less normal?

As I am closer to 60 than 40 now, I wonder if others have had the urge to simplify their financial lives greatly. More than the urge, the actual effort to simplify. Specifically, as I become wealthier I realize so many recurring charges on my credit card bills are just not necessary, such as health...
by VictoriaF
Fri Jun 01, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13215

Re: Best Advice You Never Took

I never took the Bogleheads' advice to open boxes with my smartphones and start using them. Caveats:
1) I may still open one or both boxes.
2) It's not clear if that's the best advice.

Victoria
by VictoriaF
Fri Jun 01, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4183

Re: Travel advice for an engineer

25 greatest engineering feats according to CNN https://www.cnn.com/travel/article/engineering-feats/index.html Any 'greatest engineering feats' list that doesn't have the pyramids on it is not legit. I'm guessing the pyramid builders didn't have a license PE on site when they were building and thus...
by VictoriaF
Fri Jun 01, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4183

Re: Travel advice for an engineer

Moscow Metro
Paris catacombs
Sagrada Familia in Barcelona (is already recommended but worth repeating)

Victoria
by VictoriaF
Fri Jun 01, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13215

Re: Best Advice You Never Took

To learn to play fortepiano.

Victoria
by VictoriaF
Wed May 30, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: Renting vs Owning Your Home
Replies: 166
Views: 13225

Re: Renting vs Owning Your Home

Finally, financial considerations aside, spending money often leads to more fun. So maybe the renter would have a more enjoyable life than the house owner even if they didn't have a higher net worth. A renter has a more enjoyable life because: - she moves close to the job and avoids commute - she s...
by VictoriaF
Wed May 30, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: 13-year old Civic. Replace, or keep sinking money into it?
Replies: 51
Views: 3724

Re: 13-year old Civic. Replace, or keep sinking money into it?

2018 Touring Sport here.,,,,, Too much fun,,, Got pulled over the first week,,,, 48 in a 25,,, Policeman gave me a break,,,warning,,, He chuckled,,his wife owns a 2017 Civic, He said everytime he drives it ,,,it "gets away" from him :mrgreen: LOL! Toons - you're lucky you didn't purchase a Corvette...
by VictoriaF
Wed May 30, 2018 8:35 am
Forum: Investing - Theory, News & General
Topic: Renting vs Owning Your Home
Replies: 166
Views: 13225

Re: Renting vs Owning Your Home

A renter has a more enjoyable life because... Another list could be created as to why homeowners have a "more enjoyable life." In reality, it all depends on what each person wants. There's no need to attempt to convince anyone that owning or renting is 'better' because it's dependent on the person ...
by VictoriaF
Tue May 29, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Cheap options for retirement?
Replies: 17
Views: 2450

Re: Cheap options for retirement?

We tried to forecast our savings with my DW few times ... then cut the expenses and forecast again... and again. Long story short, in the optimistic scenario we would have $400k-$450k (10-12x annual expenses). This sum doesn't look great even for LCOL area in the US. Did anyone retire with such sum...
by VictoriaF
Tue May 29, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 7308

Re: Advice on neighbor not keeping up his property...

Home ownership, what goes on within the 4 boundaries of the property line is the business of the homeowner, not the neighbor. Unless there is a true violation of town code or an immediate hazard to life and limb, you are going to need to learn to enjoy the view. Removing limbs from his property bec...
by VictoriaF
Tue May 29, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: 13-year old Civic. Replace, or keep sinking money into it?
Replies: 51
Views: 3724

Re: 13-year old Civic. Replace, or keep sinking money into it?

My 1997 Civic still runs well. Granted, I drive very little these days because I like to walk wherever I can and I am well served by public transportation. Spending $1,000/year on the car you have is much cheaper than buying a new one. Don't listen to car fanatics who always look for an excuse to ge...
by VictoriaF
Tue May 29, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: Renting vs Owning Your Home
Replies: 166
Views: 13225

Re: Renting vs Owning Your Home

Finally, financial considerations aside, spending money often leads to more fun. So maybe the renter would have a more enjoyable life than the house owner even if they didn't have a higher net worth. A renter has a more enjoyable life because: - she moves close to the job and avoids commute - she s...
by VictoriaF
Tue May 29, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Please help with grocery budget
Replies: 51
Views: 4164

Re: Please help with grocery budget

Our costs are so low because we are willing to eat the same things everyday and know where/when to get those foodstuffs really cheap; admittedly, that is not for everybody. I bet the OP could maintain exactly their same eating habits and save at least 1/3 by just being mindful of when and where the...
by VictoriaF
Sat May 26, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Please help with grocery budget
Replies: 51
Views: 4164

Re: Please help with grocery budget

Do you buy at Costco only food or also other items?

Victoria
by VictoriaF
Sat May 26, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's Disease, Long Term Care, and your Retirement Finances
Replies: 83
Views: 7848

Re: Alzheimer's Disease, Long Term Care, and your Retirement Finances

Sorry, my mistake, dementia is not specifically described as a terminal disease within the language of the model health care POA for my state. Here are the 'springing' conditions to activate the POA: "I have an incurable or irreversible condition that will result in my death within a relatively sho...
by VictoriaF
Sat May 26, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2683
Views: 516539

Re: What's Your Credit Card Rewards Strategy?

I have freezes on the major agencies as well. But you can temporarily lift for any number of days of your specification online for a fee. Heads up - Freezing and unfreezing credit reports will be free at the end of September. See: Free to freeze and unfreeze your credit report Thank you, LadyGeek, ...
by VictoriaF
Thu May 24, 2018 5:26 pm
Forum: Investing - Theory, News & General
Topic: Fear vs. reality. Don't worry. Be happy. [Outliving your retirement savings]
Replies: 41
Views: 4617

Re: Fear vs. reality. Don't worry. Be happy.

"While some people do run out of money, a person with less than $500,000 in savings, on average, spends just about a quarter of it during the first 20 years of retirement, according to a study by Sudipto Banerjee of the Employee Benefit Research Institute." So if you retired at 65 with less than $5...