Search found 17375 matches

by VictoriaF
Sun Feb 18, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 3
Views: 714

Re: Expat Living

Replies are going to be region specific. For Western Europe: Pros: — Food, culture, climate. (At least where I am.) — More equitable social systems. — An easy flight back to the US for visits and emergencies. — At present (though rapidly changing, and not for the good), an attractive currency excha...
by VictoriaF
Sun Feb 18, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 36
Views: 3746

Re: Single People and Retirement Question

Not intending to be sexist, and there are plenty of exceptions to this. My observation has been that senior single women have a gigantic advantage over senior single men. In my experience, the women I know socialize with one another constantly, they are joiners and doers. They are able to share fee...
by VictoriaF
Sun Feb 18, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 108
Views: 5310

Re: What has been your most important skill in achieving financial independence?

I agree that luck plays an important role. I strongly disagree with the percentages you allocate to luck and skill. I was born in the USSR where I faced discrimination in education and career. I came to the U.S.A. as a single parent of a new-born girl. I credit my ability to define professional goa...
by VictoriaF
Sun Feb 18, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 36
Views: 3746

Re: Single People and Retirement Question

Another idea is Victoria's idea of retiring in a major metro area. I once lived in Toronto and loved it, but now I think I'd find it much to lonely and daunting to start up in that setting. I think it's just tough for senior singles anywhere you go. Not enough cohorts and you are pretty much margin...
by VictoriaF
Sun Feb 18, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 36
Views: 3746

Re: Single People and Retirement Question

I would really like to do significant travel but will either be doing it alone or joining travel groups of some type. I dream of being a snowbird for a couple months each year, but dread going to a place where I will know no one and just experiencing loneliness. "Snowbirding" implies having a perma...
by VictoriaF
Sun Feb 18, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 69
Views: 4483

Re: Effect of spending money on appearance in career

... but likely need an appearance "facelift" anyways. Objectively, you may or may not need a "facelift." But subjectively you need to make some changes that would make you feel confident in how you present yourself. Confidence and body language account for much more than static appearance in photos...
by VictoriaF
Sun Feb 18, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 36
Views: 3746

Re: Single People and Retirement Question

I really envy those with partners who can plan for golden years of travel and fun together. ... Would love to hear from other singles about how that envisioned retirement and how it has worked out. I need inspiration. Some couples are very happy, many couples are content, many other couples can't s...
by VictoriaF
Sun Feb 18, 2018 9:03 am
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 108
Views: 5310

Re: What has been your most important skill in achieving financial independence?

It is 95% luck, 5% skill. We are all very fortunate people, and it is a mistake to think we got here because we “deserve” it. Born in most over world locations with the same heart/mind/soul/body it wouldn’t happen. Never think you are special. I agree that luck plays an important role. I strongly d...
by VictoriaF
Sat Feb 17, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 69
Views: 4483

Re: Effect of spending money on appearance in career

OP,

In addition to evaluating your wardrobe and makeup, please consider other aspects of your appearance. Do you speak with authority? Are your posture and movement professional? Video record yourself to see if any aspects of your body language could be improved.

Good luck,
Victoria
by VictoriaF
Sat Feb 17, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 108
Views: 5310

Re: What has been your most important skill in achieving financial independence?

I've thought about this a lot, now that I'm FI, and I believe learning Excel was the tipping point. I was always willing to save. But until I could model how the future might look numerically I had no idea if I was saving enough, too little or too much. I really want to learn this!!! Any advice? I ...
by VictoriaF
Sat Feb 17, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 81
Views: 6246

Re: Retirees: The common sense withdrawal method

Like many others I have internalized what I have learned by reading multiple methods of withdrawals, many retirement calculators, etc. I have only been retired almost 4 years. I have a spreadsheet showing expenses, income and portfolio assets. I am happy to say that I am delaying SS until age 70 an...
by VictoriaF
Sat Feb 17, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: World Travelers: What's the local economy look like?
Replies: 10
Views: 982

Re: World Travelers: What's the local economy look like?

In January 2018, I spent two weeks in Prague and then two weeks in Karlovy Vary. In Prague, I don't remember seeing new construction, but they were closing a bridge for maintenance. In Karlovy Vary, I saw a hotel in the central area being remodeled. Otherwise, I enjoyed beautiful cities unpolluted b...
by VictoriaF
Fri Feb 16, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: How Not to Get Rich - Mark Twain
Replies: 17
Views: 3350

Re: How Not to Get Rich - Mark Twain

HomerJ wrote:
Fri Feb 16, 2018 2:50 pm
$6 million in today's dollars! And that was just ONE of his bad investments

Mark Twain already WAS rich... He must have made $20-30 million (in today's dollars) over his lifetime and it wasn't enough...
He was like Elon Musk.

Victoria
by VictoriaF
Fri Feb 16, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 387
Views: 30399

Re: What frugal thing did you do today?

In summer I will be attending a conference in Belgrade. The conference hotel (5 stars) is available at the €90 conference rate (converted into the Serbian currency at the time of visit). Instead, I booked a 3-star hotel at 12-minute walk at €40/night. I will be staying there for 7 nights and save €3...
by VictoriaF
Fri Feb 16, 2018 12:42 pm
Forum: Investing - Theory, News & General
Topic: How Not to Get Rich - Mark Twain
Replies: 17
Views: 3350

Re: How Not to Get Rich - Mark Twain

Just finished reading "How Not to Get Rich: The Financial Misadventures of Mark Twain" https://www.amazon.com/How-Not-Get-Rich-Misadventures-ebook/dp/B01MXXZZNJ/ref=sr_1_1?ie=UTF8&qid=1518790002&sr=8-1&keywords=how+not+to+get+rich . He was never poor by any means, but it's Interesting that a man wi...
by VictoriaF
Thu Feb 15, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5575
Views: 1261203

Re: U.S. stocks in freefall

Gufomel wrote:
Thu Feb 15, 2018 4:02 pm
Market closed at around early Jan level. This crash has been just brutal.
It's not over until it's over, and it's never over.

Victoria
by VictoriaF
Thu Feb 15, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 16348

Re: Number at which to stop worrying

42 and a towel.

Victoria
by VictoriaF
Wed Feb 14, 2018 3:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: Forum's 11th Birthday - Feb. 19th
Replies: 21
Views: 1475

Re: Forum's 11th Birthday - Feb. 19th

Hello Everyone: On Feb. 19, 2007, a number of folks signed up to get this new Bogleheads forum up and running. For the math challenged, that means this coming Feb. 19, 2018, the forum will be 11 years old (being one of the math challenged, I used a calculator to verify that). :) In those 11 years, ...
by VictoriaF
Mon Feb 12, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7061

Re: I’m not renewing my Costco membership.

I too visit Costco every other month, but I don't calculate the cost of membership as $60 divided by 6. At each visit, I buy large quantities of items that last me a long time. I don't walk aisles looking for what to buy; when I arrive I have a list of what I want, including some items on sale that ...
by VictoriaF
Mon Feb 12, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: How to start a blog and claim the name?
Replies: 44
Views: 5649

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 t...
by VictoriaF
Mon Feb 12, 2018 10:52 am
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 13103

Re: "The stock market is officially in a correction... here's what usually happens next"

Hi Taylor, I want to thank you again for the guidance I received from you, Mel, and Bob Stowe in October 2001, when I came to Morningstar Vanguard Diehards. The dot-com bubble had just popped, I was out of work and my 401(k) was depleted due to high Lucent stock holdings. I asked a specific questio...
by VictoriaF
Fri Feb 09, 2018 1:38 pm
Forum: Forum Issues and Administration
Topic: Black Theme for Site?
Replies: 38
Views: 2962

Re: Black Theme for Site?

I avoid sites with white text on black background and would oppose this proposed change.

Victoria
by VictoriaF
Fri Feb 09, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5575
Views: 1261203

Re: U.S. stocks in freefall

letsgobobby wrote:
Fri Feb 09, 2018 12:45 pm
I personally believe this selloff is the start of something big.

Either that, or we are close to the end of this selloff.

:P
Or the end will be big.

Victoria
by VictoriaF
Fri Feb 09, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5156

Re: What time do you go to work?

At my last job before retiring, formally, my schedule was 09:00-19:00 with every second Friday off. In reality, I usually stayed until 20:00 or later. Traffic did not bother me, because my commute was a 13-14 minute walk, depending on whether I was catching red or green lights at two intersections I...
by VictoriaF
Fri Feb 09, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Discuss Starting Time when You Get a Job Offer
Replies: 29
Views: 2142

Re: How Do You Discuss Starting Time when You Get a Job Offer

I recommend not to discuss starting time when you interview and get a job offer, unless you are a recognized expert whom the company is trying to attract. Before you start a job, your main focus should be on providing value to the company or a government organization, and mapping your career. Once y...
by VictoriaF
Fri Feb 09, 2018 7:52 am
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 13103

Re: "The stock market is officially in a correction... here's what usually happens next"

"Stay the course" is not the same as "Buy and hold." Corrections and bear markets can often be an opportunity to rebalance, sell an unwanted fund, tax-loss harvest or move to another company. Best wishes. Taylor Hi Taylor, I want to thank you again for the guidance I received from you, Mel, and Bob...
by VictoriaF
Fri Feb 09, 2018 12:49 am
Forum: Personal Consumer Issues
Topic: Best Valentines Day Gift
Replies: 12
Views: 1780

Re: Best Valentines Day Gift

Alexa9 wrote:
Thu Feb 08, 2018 9:23 am
1. Diamonds
2. Pearls
3. Chocolate truffles
4. A Dozen Red Roses
5. Fancy Dinner (home cooked is better but fun to go out)
If men want their women to be thin, why do they give us all these chocolates? If they give us diamonds we will sparkle!
(An Odessa joke)

Victoria
by VictoriaF
Fri Feb 09, 2018 12:17 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5575
Views: 1261203

Robots in freefall!

HomerJ wrote:
Thu Feb 08, 2018 4:18 pm
But when prices drop this much because of the robots...
That's it:
Robots in freefall!

Victoria
by VictoriaF
Thu Feb 08, 2018 3:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5575
Views: 1261203

Re: U.S. stocks in freefall

DanMahowny wrote:
Thu Feb 08, 2018 3:47 pm
Dow 14,000 by 2019-20. Here we go.
This year's Bogleheads contest will be won by a contrarian.

Victoria
by VictoriaF
Thu Feb 08, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: How to deal with regret
Replies: 87
Views: 7255

Re: How to deal with regret

Whenever you feel regret, listen to Edith Piaf Non, Je ne regrette rien, https://www.youtube.com/watch?v=Q3Kvu6Kgp88

Cheers,
Victoria
by VictoriaF
Thu Feb 08, 2018 3:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5575
Views: 1261203

Re: U.S. stocks in freefall

Leif wrote:
Mon Feb 05, 2018 4:46 pm
TSquare wrote:
Mon Feb 05, 2018 3:34 pm
Dead cat bounce! Hang on folks!
Looks like the cat bounced about 3:15 ET today. But who knows, it may have 8 additional lives.
Cat videos have thousands of lives.

Victoria
by VictoriaF
Tue Feb 06, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20090

Re: Anyone disenchanted with retirement?

Retirement gives you control over your time and energy. It is the basis of your independence. The OP question is similar to whether you are disappointed with being financially independent.

Victoria
by VictoriaF
Tue Feb 06, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Laughter is the Best Medicine - What makes you Laugh?
Replies: 105
Views: 5577

Re: Laughter is the Best Medicine - What makes you Laugh?

When I take improvisation classes, I laugh even more than when I attend comedy shows.

Victoria
by VictoriaF
Tue Jan 02, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 144
Views: 8736

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

FreeAtLast wrote:
Tue Jan 02, 2018 9:46 am
saltycaper wrote:
Tue Jan 02, 2018 12:58 am
2,718.28, naturally
I just logged in to the Forum and do appreciate your exponentially clear choice. 8-)
At these temperatures, hockey sticks out.

Victoria
by VictoriaF
Tue Jan 02, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 123
Views: 13084

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

Your most valuable treasure is your sleep. - If you sleep well, you have a clear mind and can solve life problems. - If you sleep well, you have more energy to exercise and be active. - When you are sleeping your brain is removing the plaque that otherwise may lead to the Alzheimer's. - When you are...
by VictoriaF
Tue Jan 02, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 387
Views: 30399

Re: What frugal thing did you do today?

i used the back side of a sheet of paper. To do what? Victoria I drew a sketch of a frog on the back side of a sketch of a tortoise. I think I need to make up my mind on the reptiles vs amphibians question for my next art project. These days I am partial to tortoises. The theory of evolution has or...
by VictoriaF
Tue Jan 02, 2018 12:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Contest 2018 [discussion]
Replies: 7
Views: 869

Re: BOGLEHEADS CONTEST 2018

pennywise777 wrote:
Tue Jan 02, 2018 12:37 pm
2908.44 is my bet.

pennywise777
The Contest organizers want you to enter your bet directly into the online spreadsheet, instead of them copying it manually.

Victoria
by VictoriaF
Tue Jan 02, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 133
Views: 13032

Re: Embarrassment Preventing Retirement Work: A factor for you?

If I were to work as a checkout clerk, I'd be more concerned that people think that I don't have imagination than that I don't have money.

Victoria
by VictoriaF
Tue Jan 02, 2018 12:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Contest 2018 [discussion]
Replies: 7
Views: 869

Re: BOGLEHEADS CONTEST 2018

simplesimon wrote:
Mon Jan 01, 2018 8:27 pm
Wow, none of the "pros" are estimating a decline of more than 1%? Time to sell.
As one of the "pros," I was more focused on getting my sixes in than on instructing the Bogleheads on market timing.

Victoria
by VictoriaF
Tue Jan 02, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 387
Views: 30399

Re: What frugal thing did you do today?

i used the back side of a sheet of paper. To do what? Victoria I drew a sketch of a frog on the back side of a sketch of a tortoise. I think I need to make up my mind on the reptiles vs amphibians question for my next art project. These days I am partial to tortoises. The theory of evolution has or...
by VictoriaF
Mon Jan 01, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 132
Views: 8168

Re: What non fiction book will you be reading in 2018?

Almost all my reading since retirement has been fiction. My best friend bought me the new biography of Leonardo DaVinci by Isaacson. I am not an artsy guy but found this book to be unbelievably great although a much slower read than fiction that I tend to knock off at 2 books per week. I still have...
by VictoriaF
Mon Jan 01, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 387
Views: 30399

Re: What frugal thing did you do today?

quantAndHold wrote:
Mon Jan 01, 2018 1:07 am
i used the back side of a sheet of paper.
To do what?

Victoria
by VictoriaF
Sun Dec 31, 2017 3:37 pm
Forum: Investing - Theory, News & General
Topic: Buffett wins his bet: S&P500 beats selected hedge funds over last 10 years
Replies: 45
Views: 6249

Re: Buffett wins his bet: S&P500 beats selected hedge funds over last 10 years

Buffett and I did better than hedge funds in the past ten years.

Victoria
by VictoriaF
Sun Dec 31, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 387
Views: 30399

Re: What frugal thing did you do today?

Today I did not use the air conditioner.

Victoria
by VictoriaF
Sun Dec 31, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 132
Views: 8168

Re: What non fiction book will you be reading in 2018?

I've been making my way through the recommended books on the wiki, and just purchased Taleb's Fooled by Randomness . If you find that you like Taleb, the Black Swan is very good. So is Antifragile. Some can't take his writing, if so, Antifragile could be painful. To be clear, I find the the content...
by VictoriaF
Fri Dec 29, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Stoics View on Debt
Replies: 33
Views: 3331

Re: Stoics View on Debt

telemark wrote:
Fri Dec 29, 2017 4:28 pm
Note to self: don't borrow from Nero.
Unless it's Nero Tulip.

Victoria
by VictoriaF
Fri Dec 29, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Stoics View on Debt
Replies: 33
Views: 3331

Re: Stoics View on Debt

timmy wrote:
Fri Dec 29, 2017 1:30 pm
I agree with Fat Tony. Socrates should have been put to death. Also, he wasn't a Stoic.
Fat Tony is also not a Stoic. He loves food.

Victoria
by VictoriaF
Fri Dec 29, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Stoics View on Debt
Replies: 33
Views: 3331

Re: Stoics View on Debt

For those who want to do some further reading on Stoic thought, here’s a lovely deal from Amazon: The Stoic 6 Pack, including the Meditations of Marcus Aurelius. Cost? All of 99 cents. Nice! Thanks for the tip. I already have some of these, but it never hurts to get different translations. :sharebe...
by VictoriaF
Fri Dec 29, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for new credit card when credit is frozen?
Replies: 13
Views: 847

Re: Applying for new credit card when credit is frozen?

rxtra8 wrote:
Fri Dec 29, 2017 12:22 pm
The unfreeze is immediate.
I wish there were a PIN to unfreeze the East Coast weather.

Victoria