Search found 17988 matches

by VictoriaF
Wed Aug 15, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3651
Views: 1037543

Re: What Movie Have You Recently Watched?

"Going in Style" I watched it on the return flight from Europe. Three elderly men have lost their pensions and the bank has provided them with adjustable-rate mortgages that later became unaffordable. And so the men decided to rob a bank. For the Bogleheads, the financial side of the story has many ...
by VictoriaF
Wed Aug 15, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Travel delay: Can I *easily* get $60 back?
Replies: 7
Views: 372

Re: Travel delay: Can I *easily* get $60 back?

Thank you, all! While I am reading the referenced links, here are some preliminary answers: . 1. It makes more sense for me to spend time to get several hundred Euros than mere $60. 2. Airhelp wanted me to log in to my email account and I decided not to pursue it. 3. My flight was on 25-26 July, and...
by VictoriaF
Wed Aug 15, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Travel delay: Can I *easily* get $60 back?
Replies: 7
Views: 372

Re: Travel delay: Can I *easily* get $60 back?

I have just returned from a long trip to Europe and I am not in a mood for a complex process . But I am wondering if I can get money back easily. The amount is small and I don't want to spend too much time on recovering it. But if there is an easy way to get my money back, I'll do it. My options ar...
by VictoriaF
Wed Aug 15, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 269
Views: 47602

Re: How to Minimize Your Emergency Care Expenses

Not driving under the influence of Versed and endangering others is different from deciding to take my chances with a taxi driver. I have traveled solo in developing countries, walked past midnight in major cities, and took unmarked detours on el Camino de Santiago. I want to believe that I have ag...
by VictoriaF
Wed Aug 15, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Travel delay: Can I *easily* get $60 back?
Replies: 7
Views: 372

Travel delay: Can I *easily* get $60 back?

I have just returned from a long trip to Europe and I am not in a mood for a complex process. But I am wondering if I can get money back easily. Here is the background: In July I flew BWI-FRA on Condor. This was the first time I used international business class because it was reasonably priced. Unf...
by VictoriaF
Wed Jul 25, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Intermittent Fasting
Replies: 50
Views: 3199

Re: Intermittent Fasting

I do 16/8 on most days. Occasionally, I stretch the fasting period to 18, 20, or even 24 hours. I have not been eating carbs even before Intermittent Fasting, but I am not sure if my diet qualifies as Paleo. It's easy for me to follow this regime, except when I am surrounded by food in restaurants o...
by VictoriaF
Tue Jul 24, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Which doctor should I go to?
Replies: 26
Views: 1730

Re: Which doctor should I go to?

Since your problem is with mayo, you should go to Mayo clinic.

Victoria
by VictoriaF
Tue Jul 24, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 269
Views: 47602

Re: How to Minimize Your Emergency Care Expenses

We do 35% more surgeries in the 4th quarter than we do in any of the other quarters. It makes for long days, cranky staff, and missed family time. I wish deductibles reset in patient birth months or something so everyone wasn’t trying to cram cases in at the end of the year. Seasonally staffing is ...
by VictoriaF
Tue Jul 24, 2018 3:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: DC Bogleheads meeting with pension expert Arun Muralidhar - Sunday, July 29
Replies: 11
Views: 1555

Re: DC Bogleheads meeting with pension expert Arun Muralidhar - Sunday, July 29

Miriam2 wrote:
Mon Jul 23, 2018 10:33 pm
Bobcat, what an incredible meeting you put together :happy
Would you like to move to DC?

Victoria
by VictoriaF
Tue Jul 24, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 269
Views: 47602

Re: How to Minimize Your Emergency Care Expenses

Not driving under the influence of Versed and endangering others is different from deciding to take my chances with a taxi driver. I have traveled solo in developing countries, walked past midnight in major cities, and took unmarked detours on el Camino de Santiago. I want to believe that I have ag...
by VictoriaF
Tue Jul 24, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 269
Views: 47602

Re: How to Minimize Your Emergency Care Expenses

Yes, of course. My cited comment was not about the nature of colonoscopy but about the limits of patients' control over our own healthcare. I wrote that in response to White Coat Investor's statement about patients' power that we give up. I was not arguing with WCI--I agree with his general premise...
by VictoriaF
Mon Jul 23, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: TSA Pancake Mix Drama
Replies: 22
Views: 2504

Re: TSA Pancake Mix Drama

My take-away is the existence of a "Paleo pancake mix". I thought that Paleo pancakes were an oxymoron.

Victoria
by VictoriaF
Mon Jul 23, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Is Enough?
Replies: 34
Views: 5912

Re: How Much Is Enough?

The Bogleheads have provided excellent reasons for taking the new job based on the information you had provided. I like to think of the things that have not been mentioned and thus have not been a part of the discussion: 1. How stable is the new company in comparison to your current one? 2. What do ...
by VictoriaF
Mon Jul 23, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Mind Mapping Software? Mindnode?
Replies: 15
Views: 1292

Re: Mind Mapping Software? Mindnode?

Is this a gimmick or do these programs really help you develop ideas and see new connections? Roosevelt One of my reasons for considering mind mapping software is similar to Roosevelt's. Let's say I have four sets of data: set-1: about 10-15 items set-2: 150-200 items set-3: 200-1000 items (dependi...
by VictoriaF
Mon Jul 23, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Mind Mapping Software? Mindnode?
Replies: 15
Views: 1292

Re: Mind Mapping Software? Mindnode?

You might want to try the free software to see if the technique is a fit before going to a paid version: https://www.digitaltrends.com/computing/best-mind-mapping-software/ Wisemapping and Bubble.US are free. Thank you, 2015, I will try free software and free trials of inexpensive software. I avoid...
by VictoriaF
Sat Jul 21, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Mind Mapping Software? Mindnode?
Replies: 15
Views: 1292

Re: Mind Mapping Software? Mindnode?

I draw mindmaps by hand. What are advantages of using software? Rearranging by drag and drop. It's pretty much post-its on the wall but they don't fly off and you can change colors on the fly. You can share with others, and even work together on mobile devices, you can save to PDF and post on the w...
by VictoriaF
Sat Jul 21, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Mind Mapping Software? Mindnode?
Replies: 15
Views: 1292

Re: Mind Mapping Software? Mindnode?

Thank you, Freefun. These are good reasons. I should try software, too, when I get a chance.

Victoria
by VictoriaF
Sat Jul 21, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: Mind Mapping Software? Mindnode?
Replies: 15
Views: 1292

Re: Mind Mapping Software? Mindnode?

I draw mindmaps by hand. What are advantages of using software?

Victoria
by VictoriaF
Sat Jul 21, 2018 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 16988

Re: Salary vs. Lifestyle

corn18 wrote:
Sat Jul 21, 2018 6:54 am
pennylane wrote:
Sat Jul 21, 2018 6:47 am
corn18 wrote:
Fri Jul 20, 2018 1:33 pm
I can assure you my much lower paying Navy job I had for 20 years was a LOT more stressful than my current $700k / year job.
What do you do?
I was a Navy fighter pilot. Now I am president of a division of mega corp.
So you are continuing flying high! Congratulations,

Victoria
by VictoriaF
Sat Jul 21, 2018 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 16988

Re: Salary vs. Lifestyle

But the way companies and other organizations operate, job satisfaction increases up the salary ladder and stress increases down the ladder. Victoria --------------------------- I'm curious as how you came to this conclusion. That's a pretty broad brushstroke, IMHO. This is not a conclusion, this i...
by VictoriaF
Fri Jul 20, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 16988

Re: Salary vs. Lifestyle

Also, with added stress and more hours your health suffers which not only costs money but clearly makes you less happy. Some stress in life is ok, but if one is not getting enough sleep and exercise as well as not eating healthy it will all add up. In addition more stress can make you short at home...
by VictoriaF
Thu Jul 19, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: Can Hindsight Bias Be Inherited? - Christine Benz
Replies: 3
Views: 373

Re: Can Hindsight Bias Be Inherited? - Christine Benz

Cognitive biases are an artifact of the System 1 operation when it uses heuristics. All cognitive biases are inherited from our stone-age ancestors. Situational manifestations of cognitive biases are triggered by a variety of reasons. Some people do what their parents did; others do the opposite of ...
by VictoriaF
Thu Jul 19, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 14073

Re: Early retirement

I like the whole idea of setting up systems instead of goals. Sounds like Scott Adams (of “Dilbert” fame): “Goals are for losers, systems are for winners” Scott Adams has two excellent recent books. He explains Goals vs. Systems in "How to Fail at Almost Everything and Still Win Big: Kind of the St...
by VictoriaF
Thu Jul 19, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 14073

Re: Early retirement

AlwaysWannaLearn wrote:
Wed Jul 18, 2018 5:58 pm
.....
The first, second and fifth points are good. But I disagree with the third and fourth.

Victoria
by VictoriaF
Wed Jul 18, 2018 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 7068

Re: How do you handle the urge to DO something?

Start playing credit card games, including bonuses and strategic spending. The acquisition of miles and points will keep you busy and give you the satisfaction of saving money with no downsides (apart from tremendous waste of time).

Victoria
by VictoriaF
Wed Jul 18, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3612

Re: 35 minute connection for flight, long enough?

I'll book a very short connection, if: 1) the price is much lower 2) I don't mind to miss my flight I'll book a very long connection, if: 1) the price is much lower 2) I arrive to my destination at a reasonable time I do not book early morning flights, because I don't like to wake up too early, even...
by VictoriaF
Wed Jul 18, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 16988

Re: Salary vs. Lifestyle

corn18 wrote:
Wed Jul 18, 2018 5:18 pm
livesoft wrote:
Wed Jul 18, 2018 5:15 pm
Yes, what she said.
As long as we aren't projecting that onto everyone with a higher salary, I won't be offended.
Livesoft wrote "Everybody I know ...".
My comments were based on my overall observations, without getting into exceptions.

Victoria
by VictoriaF
Wed Jul 18, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 16988

Re: Salary vs. Lifestyle

Everybody I know that has had higher salary has figured out a way to enjoy life while earning a higher salary. I think much of the pain now stuff is just talk to make the wealthy feel more normal and not get hassled by the less well off. Excellent points. Victoria I don't understand the points. Can...
by VictoriaF
Wed Jul 18, 2018 12:30 pm
Forum: Investing - Theory, News & General
Topic: Tyler Cowen talks with Vitalik Buterin
Replies: 2
Views: 399

Tyler Cowen talks with Vitalik Buterin

Link: https://medium.com/conversations-with-tyler/vitalik-buterin-tyler-cowen-cryptocurrency-blockchain-tech-3a2b20c12c97. It's a fascinating discussion covering the economics and the challenges of Ethereum. Cowen is an academic economist at George Mason University, an author of several books and of...
by VictoriaF
Wed Jul 18, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 16988

Re: Salary vs. Lifestyle

livesoft wrote:
Wed Jul 18, 2018 10:58 am
Everybody I know that has had higher salary has figured out a way to enjoy life while earning a higher salary. I think much of the pain now stuff is just talk to make the wealthy feel more normal and not get hassled by the less well off.
Excellent points.

Victoria
by VictoriaF
Wed Jul 18, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Putting a mattress directly on the floor
Replies: 25
Views: 67569

Re: Putting a mattress directly on the floor

The discussion continues in this tread: viewtopic.php?f=11&t=254100

Victoria
by VictoriaF
Wed Jul 18, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 14073

Re: Early retirement

I retired 2 years ago at 47 and my wife last year at 49. We still have side gigs for about 1 week per month so I guess we are really 75% retired. The days go so quick. We look at each other every night and think where did the day go? We are active and workout most days. We spend 30-40% of the year ...
by VictoriaF
Wed Jul 18, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9697

Re: Why own a bed?

Doom&Gloom wrote:
Wed Jul 18, 2018 10:28 am
VictoriaF wrote:
Wed Jul 18, 2018 9:00 am
Doctor Rhythm wrote:
Wed Jul 18, 2018 1:24 am
Caduceus wrote:
Mon Jul 16, 2018 10:41 am
Are there any good reasons to own a bed?
Positions 3, 7, and 9 through 12(b) require a bed.
For position 12(b) you can replace a bed with a kitchen table.

Victoria
Why own a kitchen table?
For deep cuts.

Victoria
by VictoriaF
Wed Jul 18, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9697

Re: Why own a bed?

Doctor Rhythm wrote:
Wed Jul 18, 2018 1:24 am
Caduceus wrote:
Mon Jul 16, 2018 10:41 am
Are there any good reasons to own a bed?
Positions 3, 7, and 9 through 12(b) require a bed.
For position 12(b) you can replace a bed with a kitchen table.

Victoria
by VictoriaF
Tue Jul 17, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9697

Re: Why own a bed?

audioaxes wrote:
Tue Jul 17, 2018 2:29 pm
I find the further away from the floor the better for my nasal passages. Sleeping right on the floor im guaranteed to wake up with a stuff nose. Definitely not the only reason I have a proper bed though.
Have you thought of getting a bunk bed?

Victoria
by VictoriaF
Tue Jul 17, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Bored
Replies: 25
Views: 3537

Re: Bored

In all seriousness, if you've optimized everything to the point of diminishing returns, I would challenge you to find the most value you can extract out of your spending. There's a whole world of traveling, collecting (cars, watches, baseball cards, etc.), or other hobbies out there. Pick your pois...
by VictoriaF
Tue Jul 17, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: Why age is not how to determine risk tolerance
Replies: 17
Views: 2185

Re: Why age is not how to determine risk tolerance

B) 100/0 is a lousy AA in term of risk-adjusted return. So, it is the wrong AA at any age. You can't eat risk-adjusted return. If you're not willing to use leverage, and you're willing to wait 30 years, the 100/0 AA will wind up with a higher balance even at 5th percentile stock market returns. Thr...
by VictoriaF
Tue Jul 17, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 184
Views: 10981

Re: New Vanguard Security Code Requirement

Laypeople and cybersecurity experts were asked about their top-3 security priorities. The respondents have provided disjoint sets of responses: Laypeople: 1) use antivirus software 2) visit only known safe websites 3) change passwords frequently Experts: 1) install software patches and other updates...
by VictoriaF
Tue Jul 17, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9697

Re: Why own a bed?

roymeo wrote:
Tue Jul 17, 2018 3:09 pm
You need a Murphy bed.
Murphy was an optimist.

Victoria
by VictoriaF
Tue Jul 17, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 14073

Re: Early retirement

Some aspects of the environment we have evolved in are easier to aim for than others. For example, I am trying paleo diet and intermittent fasting, with mixed success. But I would not want to limit my social circle to a few dozen people or stop reading. Again I have a difficult time responding, as ...
by VictoriaF
Tue Jul 17, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 14073

Re: Early retirement

Most people would congratulate me, while others would initiate an interrogation worthy of the KGB in the peak of the Cold War. I gave 2.5 months notice at work, and I got so tired of having to explain myself to others on a daily basis, that I eventually stopped telling anyone that did not know yet....
by VictoriaF
Tue Jul 17, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9697

Re: Why own a bed?

Are there any good reasons to own a bed? Why not just sleep on a mattress on the floor (I think the Japanese do that?) instead of paying hundreds or thousands of dollars to sleep a few feet off the ground? If such a person is single and interested in a relationship, this "choice" could be damaging ...
by VictoriaF
Tue Jul 17, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9697

Re: Why own a bed?

Are there any good reasons to own a bed? Why not just sleep on a mattress on the floor (I think the Japanese do that?) instead of paying hundreds or thousands of dollars to sleep a few feet off the ground? Avoiding bed bugs is a good reason I think to have a bed versus just a mattress on the floor....
by VictoriaF
Tue Jul 17, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9697

Re: Why own a bed?

This thread gets my vote for one of the silliest yet here on Bogleheads. It's certainly near the top but it seems like a worthy contender pops up almost daily. My vote for silliest is "How Long to Keep a Kitchen Sponge". https://www.bogleheads.org/forum/viewtopic.php?t=210945 At least a bed costs m...
by VictoriaF
Tue Jul 17, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9697

Re: Why own a bed?

bearcub wrote:
Tue Jul 17, 2018 5:50 am
Will have to ask my girlfriends what they would prefer. Be back with results.
Make sure to ask all of them at the same time so that they could have a healthy debate. A non-consensual bed can get you in trouble.

Victoria
by VictoriaF
Tue Jul 17, 2018 12:24 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9697

Re: Why own a bed?

With a proper bed, the scorpions will not eat the money in your mattress.

Victoria
by VictoriaF
Mon Jul 16, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9697

Re: Why own a bed?

You need to own a bed to have affinity with the mattress commercials.

Victoria
by VictoriaF
Mon Jul 16, 2018 8:51 am
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2789

Re: Financial Newspapers & Publications

I really like the The Economist , used to have a subscription, but way too pricey today, considering the wealth of quality writing available on the 'net for free. I like The Economist and don't mind the price. My problem is that when I was receiving it, I could not stop reading it, and it was takin...
by VictoriaF
Mon Jul 16, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 14073

Re: Early retirement

Does it matter? I'm sure some things have been said to me, but I don't really recall because their opinions are immaterial to me. I've never found any fun in caring what others think. It matters to me in a contrarian way. I enjoy doing the opposite of what everyone else tells me to do, or not to do...
by VictoriaF
Sat Jul 14, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 14073

Re: Early retirement

Does it matter? I'm sure some things have been said to me, but I don't really recall because their opinions are immaterial to me. I've never found any fun in caring what others think. It matters to me in a contrarian way. I enjoy doing the opposite of what everyone else tells me to do, or not to do...