Search found 16460 matches

by VictoriaF
Wed Aug 16, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 61
Views: 5587

Re: Retired Boglehead obsession with money- devil's advocate

I'm playing devil's advocate here. I'm addressing this to what I think is representative of many self-proclaimed retired "Bogleheads" who have won the game. And by winning the game, I don't mean the extremely rich. But rather those, after working hard all their lives for a happy retirement, shouldn...
by VictoriaF
Wed Aug 16, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2854
Views: 839041

Re: What Movie Have You Recently Watched?

I usually do binge watching of popular films on my return flights from Europe to the U.S. Unlike night flights to Europe, I don't want to sleep on these flights, and the Economy seats are too limiting for serious writing, reading and thinking. And so on my yesterday's flight from Paris I have watche...
by VictoriaF
Wed Aug 16, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 61
Views: 5587

Re: Retired Boglehead obsession with money- devil's advocate

I'm playing devil's advocate here. I'm addressing this to what I think is representative of many self-proclaimed retired "Bogleheads" who have won the game. And by winning the game, I don't mean the extremely rich. But rather those, after working hard all their lives for a happy retirement, shouldn...
by VictoriaF
Mon Aug 14, 2017 7:41 am
Forum: Local Chapters and Bogleheads Community
Topic: Master thread for Washington DC Area Bogleheads
Replies: 109
Views: 26596

Re: Master thread for Washington DC Area Bogleheads

Luv2Perform wrote:
Mon Aug 14, 2017 7:37 am
Is this the library on Quincy street, known as the Central library?
Yes, it is. I am not Bob (obviously), but I have been attending most DC meetings.

Victoria
by VictoriaF
Mon Aug 14, 2017 6:25 am
Forum: Investing - Help with Personal Investments
Topic: SINGLE FUND for retirement
Replies: 11
Views: 2094

Re: SINGLE FUND for retirement

Vanguard's Target Retirement and Lifestrategy funds will fit your need. You need to have some bonds even at a young age. When the next bear market comes you will thank you bonds. Also remember that within IRA you can move your money from one fund to another without any tax consequences. If you are i...
by VictoriaF
Mon Aug 14, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: Soliciting personal recommendations for a European trip
Replies: 9
Views: 987

Re: Soliciting personal recommendations for a European trip

I have spent two weeks in Barcelona and liked it very much. Earlier I had a post asking for suggestions for where to take day trips from Barcelona, but I ended up staying here because I like it. I used to consider spending a few days in Andorra, because it's cooler in August, but everybody I asked t...
by VictoriaF
Mon Aug 14, 2017 5:40 am
Forum: Investing - Theory, News & General
Topic: "Honesty like that is rare!"
Replies: 47
Views: 6868

Re: "Honesty like that is rare!"

That being said, 10+ years ago, I read a quick summary on 401k psychology research that showed that provided people too many 401k plan choices (which you think would be amazing and awesome, right? Everybody loves choice!) caused worse results or confusion for employees as there was analysis paralys...
by VictoriaF
Sat Aug 12, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 97
Views: 7125

Re: When does renting make sense

When you own and have noise, moving out is much more difficult than when you rent and are bothered by noise. Victoria I've been told this a few times. However, is it really practical to switch apartments every time you get a loud neighbor? For one, you'll have a lease which will most likely last on...
by VictoriaF
Sat Aug 12, 2017 9:40 am
Forum: Investing - Theory, News & General
Topic: "Honesty like that is rare!"
Replies: 47
Views: 6868

Re: "Honesty like that is rare!"

I have noticed a similar attitude among some TSP investors. TSP stands for the Thrift Savings Plan, a Federal government equivalent of 401(k) plans. Unlike many 401(k) plans, the TSP offers very few funds at very low rates. Investors ignore low fees and excellent fund selection and complain about t...
by VictoriaF
Fri Aug 11, 2017 12:59 pm
Forum: Investing - Theory, News & General
Topic: "Honesty like that is rare!"
Replies: 47
Views: 6868

Re: "Honesty like that is rare!"

Thank you Taylor and Allan, I have noticed a similar attitude among some TSP investors. TSP stands for the Thrift Savings Plan, a Federal government equivalent of 401(k) plans. Unlike many 401(k) plans, the TSP offers very few funds at very low rates. Investors ignore low fees and excellent fund sel...
by VictoriaF
Fri Aug 11, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Mountain America CU IRA CDs?
Replies: 7
Views: 737

Re: Mountain America CU IRA CDs?

I am looking for a place to invest $40k from a TIPS matured in a Roth IRA. As of today, the best IRA CD I could find on the Deposit Accounts site is 5 year 2.6% CDs at Mountain America Credit Union. The admission criteria are easy to meet. The online ratings of this CU are rather poor. 1. Would you...
by VictoriaF
Fri Aug 11, 2017 12:26 pm
Forum: Investing - Theory, News & General
Topic: "5 Steps to Take in Jittery Markets"
Replies: 20
Views: 2564

Re: "5 Steps to Take in Jittery Markets"

I don't like her bucket approach for retirees. I am NOT going to keep 1-2 years of expenses in cash. I keep a max of $10k in checking and any excess from monthly retirement income goes into the total stock market in my taxable account. We're not wimps here... Two thoughts on this... I honestly thin...
by VictoriaF
Fri Aug 11, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Mountain America CU IRA CDs?
Replies: 7
Views: 737

Re: Mountain America CU IRA CDs?

Consider that 0.1% of $40K is only $40/year. $40 buys a dinner in a restaurant for one with a glass of wine. A quarter of a percent difference in APY is only $100/year (ok. compounded...) Thus chasing small increases in yield will not make a huge difference in your net worth. For $40K invested, I w...
by VictoriaF
Fri Aug 11, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Mountain America CU IRA CDs?
Replies: 7
Views: 737

Re: Mountain America CU IRA CDs?

I am looking for a place to invest $40k from a TIPS matured in a Roth IRA. As of today, the best IRA CD I could find on the Deposit Accounts site is 5 year 2.6% CDs at Mountain America Credit Union. The admission criteria are easy to meet. The online ratings of this CU are rather poor. 1. Would you...
by VictoriaF
Fri Aug 11, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Navy Fed CU 5-month 3% $10k CDs
Replies: 7
Views: 1430

Re: Navy Fed CU 5-month 3% $10k CDs

psychoslowmatic wrote:Repost, but a good deal.

viewtopic.php?t=225391
I missed it. Thank you for pointing it out.

Victoria
by VictoriaF
Thu Aug 10, 2017 6:29 am
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 97
Views: 7125

Re: When does renting make sense

4. What about noise?! Is a house the best place to live so you don't have to hear everyone? Not necessarily. The house next door was bought, torn down, and a new house built. I have lived with noise for around a year (don't ask why it took so long). When you own and have noise, moving out is much m...
by VictoriaF
Thu Aug 10, 2017 6:24 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Beyond Efficient Markets
Replies: 13
Views: 1338

Re: Larry Swedroe: Beyond Efficient Markets

What would be more interesting to me is the effects of the increasing use of computerized trading. As artificial intelligence gets better and better, will the factors disappear? Will markets become increasingly efficient or will the computers, algorithms, artificial intelligence only amplify human ...
by VictoriaF
Thu Aug 10, 2017 5:43 am
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 97
Views: 7125

Re: When does renting make sense

Bying makes sense when: 1. You have three or more children, and finding a rental apartment in a good school district is difficult. 2. You live in a low cost of living area where houses are relatively inexpensive in comparison to rents. 3. You have a hobby that requires a lot of space, e.g., your own...
by VictoriaF
Thu Aug 10, 2017 5:27 am
Forum: Personal Finance (Not Investing)
Topic: I pay $6K in rent. Am I an idiot for not buying?
Replies: 50
Views: 6321

Re: I pay $6K in rent. Am I an idiot for not buying?

I have rented all my life and consider it one of the best financial and life choices I have ever made. Buying a home is not just buying a real property, it's also acquiring a pressure to spend money on interior design, renovating, buying new curtains, furniture, etc. Home ownership also takes more o...
by VictoriaF
Thu Aug 10, 2017 5:13 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads in Spain?
Replies: 0
Views: 177

Bogleheads in Spain?

I am currently reading the Bogleheads from Barcelona. When I clear the browser history and search for the Bogleheads, cartera boglehead España comes up. Is there a BH chapter in Spain, or an expressed desire for a chapter? Also, the Bogleheads Guides on Amazon. es come up in the search. Victoria
by VictoriaF
Thu Aug 10, 2017 5:06 am
Forum: Personal Consumer Issues
Topic: LastPass not working for me on Firefox
Replies: 25
Views: 1275

Re: LastPass not working for me on Firefox

It's interesting that a password manager drives the choice of a browser, rather than the other way around. My default preferences are for open-sorce products such as Firefox and Keepass. FYI, a couple days ago Brian Krebs had a post about the latest updates to Microsoft, Adobe and Firefox, https://k...
by VictoriaF
Thu Aug 10, 2017 5:03 am
Forum: Personal Consumer Issues
Topic: How to start a blog and claim the name?
Replies: 43
Views: 4586

Re: How to start a blog and claim the name?

This was a very informative thread, but I have not followed up because I was busy with other activities. Now, I am revisiting the idea of setting up a website. What are the current recommendations for hosting? When I Google for it, different sites offer different lists of the bests, and many seem to...
by VictoriaF
Thu Aug 10, 2017 4:59 am
Forum: Personal Consumer Issues
Topic: Is it difficult to transfer website to different hosting company?
Replies: 26
Views: 2176

Re: Is it difficult to transfer website to different hosting company?

After two years since the last post, what are the current recommendations for website hosting?

Victoria
by VictoriaF
Thu Aug 10, 2017 4:20 am
Forum: Personal Finance (Not Investing)
Topic: Mountain America CU IRA CDs?
Replies: 7
Views: 737

Re: Mountain America CU IRA CDs?

Nobody has responded to me, but as of today, it's still the best IRA CD I can find.

Victoria
by VictoriaF
Thu Aug 10, 2017 4:14 am
Forum: Investing - Theory, News & General
Topic: "Feds charge brokers in TSP fraud scheme"
Replies: 25
Views: 3117

Re: "Feds charge brokers in TSP fraud scheme"

But I must also say that if the TSP had more flexibility with the post-retirement withdrawals and Roth conversions, fewer people would be looking elsewhere and encountering crooks. Victoria That is supposed to be up for review soon. https://www.fedsmith.com/2017/08/07/proposed-changes-tsp/ Excellen...
by VictoriaF
Thu Aug 10, 2017 4:12 am
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 154
Views: 12886

Re: Virtual Private Networks (VPNs)

I'm late to this discussion but here is a good place to find info: https://thatoneprivacysite.net/ He covers a framework you should use when considering VPNs that takes into account conflicts of interest and ethics. There is a spreadsheet you can use to filter for the best VPN providers here: https...
by VictoriaF
Wed Aug 09, 2017 5:03 am
Forum: Personal Consumer Issues
Topic: 2017’s Best & Worst States for Health Care
Replies: 15
Views: 2063

2017’s Best & Worst States for Health Care

Here is an interesting report 2017’s Best & Worst States for Health Care , https://wallethub.com/edu/states-with-best-health-care/23457/#main-findings . It's interesting the Washington DC has the overall rank of 5, but it's the last one for the percent of medical residents retained and is next to th...
by VictoriaF
Wed Aug 09, 2017 3:27 am
Forum: Personal Consumer Issues
Topic: Medical Coverage Outside US
Replies: 45
Views: 3087

Re: Medical Coverage Outside US

mkatz wrote:Victoria: Good thought!

Off topic: if you ever have a medical emergency, Singapore is the place to have it.
Thank you for the tip, mKatz! Now I have to decide whether to avoid Singapore and thus emergencies, or visit it and face the challenge head on.

Best wishes,
Victoria
by VictoriaF
Wed Aug 09, 2017 3:21 am
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 7850

Re: Retire early, live abroad until 65 and come back

In addition to the financial, medical, and social considerations be realistic about the time and effort it takes to select a country, a town, an apartment, and various local services. Even the preliminary research of visiting all the sites and watching all the videos recommended in this thread will...
by VictoriaF
Wed Aug 09, 2017 3:07 am
Forum: Investing - Theory, News & General
Topic: "Feds charge brokers in TSP fraud scheme"
Replies: 25
Views: 3117

Re: "Feds charge brokers in TSP fraud scheme"

But I must also say that if the TSP had more flexibility with the post-retirement withdrawals and Roth conversions, fewer people would be looking elsewhere and encountering crooks. Respectfully, they don't encounter crooks when they are looking elsewhere; they encounter crooks before they look else...
by VictoriaF
Mon Aug 07, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: Using a VPN for mobile internet
Replies: 8
Views: 801

Re: Using a VPN for mobile internet

Finding a trustworthy VPN provider is one of my concerns. Even if I pay $60/year I can't be sure that I'm not dealing with crooks. There are resources out there such as That One Privacy Site. In the future, I may try using TOR. From what I understand, it will be slow and bulky over WiFi So you norm...
by VictoriaF
Mon Aug 07, 2017 6:18 am
Forum: Investing - Theory, News & General
Topic: "Feds charge brokers in TSP fraud scheme"
Replies: 25
Views: 3117

Re: "Feds charge brokers in TSP fraud scheme"

I feel very sorry for the people who were scammed.

But I must also say that if the TSP had more flexibility with the post-retirement withdrawals and Roth conversions, fewer people would be looking elsewhere and encountering crooks.

Victoria
by VictoriaF
Mon Aug 07, 2017 5:51 am
Forum: Personal Finance (Not Investing)
Topic: WSJ: "Sapphire Reserve Cards Aren’t Very Rewarding for J.P. Morgan"
Replies: 54
Views: 6868

Re: WSJ: "Sapphire Reserve Cards Aren’t Very Rewarding for J.P. Morgan"

I could not get the CSR last year, because I was over 5/24. Now, I am not opening any cards until January-February 2018. At that time, I will get the CSR and possibly a Chase business card. I started signing up for credit cards for travel about three years ago. After trying several different approac...
by VictoriaF
Mon Aug 07, 2017 5:21 am
Forum: Personal Consumer Issues
Topic: NYT: Buy more takeout and hire a maid, study suggests
Replies: 37
Views: 5781

Re: NYT: Buy more takeout and hire a maid, study suggests

Cooking has become a new investing. People are seeking more complexity and then give up because it's too complex. A nutritional three-fund portfolio is vegetables, fats, and proteins. My food staples are packaged salads, olive oil, nuts, yogurt, eggs, chicken, and fish. I prepare the proteins the si...
by VictoriaF
Mon Aug 07, 2017 5:08 am
Forum: Personal Consumer Issues
Topic: Suggestions for Lyon, France?
Replies: 19
Views: 942

Re: Suggestions for Lyon, France?

Several years ago, I was considering living in Lyon for up to a year to study French. For now, my other activities and projects have pushed Lyon towards the back of the queue. After you return, I will be interested in your take on what it would be like to live in Lyon for a year. In preparation for...
by VictoriaF
Mon Aug 07, 2017 5:03 am
Forum: Personal Consumer Issues
Topic: Using a VPN for mobile internet
Replies: 8
Views: 801

Re: Using a VPN for mobile internet

I don't use any electronics when I am traveling but frequently wish I could. Finding a trustworthy VPN provider is one of my concerns. Even if I pay $60/year I can't be sure that I'm not dealing with crooks. In the future, I may try using TOR. From what I understand, it will be slow and bulky over W...
by VictoriaF
Mon Aug 07, 2017 4:54 am
Forum: Personal Consumer Issues
Topic: Best "investment tip" I have gotten from Bogleheads
Replies: 44
Views: 6000

Re: Best "investment tip" I have gotten from Bogleheads

I have learned in the Forum that 100% cocoa chocolate exists . In the retrospect, it is obvious, but I just had not considered it. The 100% cocoa chocolate has solved my dilemma of getting chocolate's benefits while avoiding sugar. Thanks to the Bogleheads I am now investing in the flavanoids by ing...
by VictoriaF
Mon Aug 07, 2017 4:43 am
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 7850

Re: Retire early, live abroad until 65 and come back

In addition to the financial, medical, and social considerations be realistic about the time and effort it takes to select a country, a town, an apartment, and various local services. Even the preliminary research of visiting all the sites and watching all the videos recommended in this thread will ...
by VictoriaF
Mon Aug 07, 2017 4:06 am
Forum: Personal Finance (Not Investing)
Topic: Mountain America CU IRA CDs?
Replies: 7
Views: 737

Mountain America CU IRA CDs?

I am looking for a place to invest $40k from a TIPS matured in a Roth IRA. As of today, the best IRA CD I could find on the Deposit Accounts site is 5 year 2.6% CDs at Mountain America Credit Union. The admission criteria are easy to meet. The online ratings of this CU are rather poor. 1. Would you ...
by VictoriaF
Mon Aug 07, 2017 3:42 am
Forum: Personal Consumer Issues
Topic: Medical Coverage Outside US
Replies: 45
Views: 3087

Re: Medical Coverage Outside US

Wife and I are going to Canada on July 29th. We have Medicare Part A and B, Supplement Plan F and Medicare Part D. What do we do if we get sick and need treatment and prescription drugs while in Canada? Do we pay for it and get reimbursed later? Or do we just show proof of coverage and they file cl...
by VictoriaF
Wed Jul 26, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: Time, not material goods, 'raises happiness'
Replies: 38
Views: 4116

Re: Time, not material goods, 'raises happiness'

If anyone out there hasn't come up with a dollar value for your free time, I would encourage them to do so. How would one go about doing that? I wouldn't know where to start. Here is my example with various assumptions: - I value my life at $12m. - I have 40 years left to live: 20 healthy years and...
by VictoriaF
Wed Jul 26, 2017 9:21 am
Forum: Investing - Theory, News & General
Topic: Time, not material goods, 'raises happiness'
Replies: 38
Views: 4116

Re: Time, not material goods, 'raises happiness'

When you have a lot of time, and not much money.. money brings happiness. When you have a lot of money, but not much time... time brings happiness. When you have a lot of time and money (AKA retired)... you have won the game. The last line describes me with an important qualification: Winning a gam...
by VictoriaF
Wed Jul 26, 2017 7:07 am
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 8269

Re: Anyone else extremely frugal?

I think I’m frugal compared to most of my friends/relatives but I do spend on some things that some may not. • Pay $250-500 night for a hotel, resort, etc. Ridiculous. I love to travel but that’s throwing away money to me. I’ll stay at a Hampton Inn unless I can get a good deal on Priceline. Always...
by VictoriaF
Wed Jul 26, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 11879

Re: Books not to read.

Seeing as we've been talking about Jane Austen in this thread, I thought this NPR column from today would be appropriate: http://www.npr.org/2017/07/25/538609475/the-enduring-legacy-of-jane-austens-truth-universally-acknowledged Oh Gordon, Out of all the people, I would not expect you to be in the ...
by VictoriaF
Tue Jul 25, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 11879

Re: Books not to read.

Seeing as we've been talking about Jane Austen in this thread, I thought this NPR column from today would be appropriate: http://www.npr.org/2017/07/25/538609475/the-enduring-legacy-of-jane-austens-truth-universally-acknowledged Oh Gordon, Out of all the people, I would not expect you to be in the ...
by VictoriaF
Tue Jul 25, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 7902

Re: Investing Education and Mansplaining

Some people have the gift of explaining and others don't. Many college professors have honed the art of explaining well. My favorite professors are Daniel Kahneman, Dan Ariely, Dan Gilbert --all men. No no -- that's Dan splaining. We're talking about something completely different. Thank you for gi...
by VictoriaF
Tue Jul 25, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 7902

Re: Investing Education and Mansplaining

Bill Bernstein did the best job I've seen yet at trying to package and deliver Boglehead fundamentals to millennials in the most effective way. His "If You Can" ebook is excellent and that's my go to material to send to anyone who expresses an interest. Agree wholeheartedly. Women and men...
by VictoriaF
Tue Jul 25, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Characteristics of Physicians
Replies: 24
Views: 2136

Re: Financial Characteristics of Physicians

I found the high proportion who use financial advisors depressing. The survey did not distinguish between those who might use them for advice about insurance, taxes, etc and those who pay someone to manage investments for them. The latter is a waste of money, so I like to think that most physicians...