Search found 17755 matches

by VictoriaF
Sat May 26, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Please help with grocery budget
Replies: 17
Views: 1120

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: 7317

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: 2634
Views: 500215

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: 40
Views: 3772

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...
by VictoriaF
Thu May 24, 2018 5:01 pm
Forum: Investing - Theory, News & General
Topic: Renting vs Owning Your Home
Replies: 72
Views: 4935

Re: Renting vs Owning Your Home

Outside the Bogleheads community, many people feel that buying a house is the ticket to building wealth. Based on a few threads I've seen, it seems to me that many Bogleheads feel that renting and investing the difference builds more wealth. It is precisely because outside the Bogleheads community,...
by VictoriaF
Thu May 24, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's Disease, Long Term Care, and your Retirement Finances
Replies: 83
Views: 7317

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

celia wrote:
Thu May 24, 2018 1:59 pm
Although there can be correlation between more years of education and better physical and brain health, I don't think it implies a cause and effect.
It's a good point, Celia. One of my favorite authors, Dame Iris Murdoch, a brilliant author and an Oxford professor, had Alzheimer's.

Victoria
by VictoriaF
Thu May 24, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: Fear vs. reality. Don't worry. Be happy. [Outliving your retirement savings]
Replies: 40
Views: 3772

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

I have long thought the fear that many have in this forum of running out of money in retirement unless they retired with huge amounts was largely unfounded. I think the main problem is not with retired Bogleheads who fear that their $2.2 millions are not enough. The problem is with 65-year old empl...
by VictoriaF
Thu May 24, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: The Millionaire Next Door and civil servants
Replies: 99
Views: 13519

Re: The Millionaire Next Door and civil servants

When you look at sales data for things like high end cars and the like, the expensive models that rich people buy are supported by income. The average 911 buyer for example makes something like 350k/year. It is the entry level models that have aspirational sales. People stretch to buy a 3 series a ...
by VictoriaF
Thu May 24, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 32
Views: 2361

Re: Anyone using Obitalk for Google Voice?

Even when you have a cellphone/smartphone, having an independent source of communications enhances the resilience of your personal technology architecture . If your cellphone is broken or stolen, you can still make calls using OBi. Paying $40-$50 for a new OBi device every few years is a small pric...
by VictoriaF
Thu May 24, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Affordable luxury ladies watch?
Replies: 21
Views: 900

Re: Affordable luxury ladies watch?

Jags4186 wrote:
Thu May 24, 2018 9:42 am
Economy must be good...lots of watch threads lately.
I should upgrade my regular Casio to one with a calculator.

Victoria
by VictoriaF
Thu May 24, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 32
Views: 2361

Re: Anyone using Obitalk for Google Voice?

I have switched to OBi200 several months ago, after my 100 series stopped working. OBi200 was working well until recently. In the past few days, I had several occasions when I could not make outgoing calls; I was getting a message to the effect that the destination number was unreachable. Is there ...
by VictoriaF
Thu May 24, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 32
Views: 2361

Re: Anyone using Obitalk for Google Voice?

Why do those with Google voice use Obitalk? I canceled my landline a few months ago after getting the number ported to Google voice. I intended to get Obitalk or something but then just decided to forward all calls coming into my Google voice to my cellphone. Works great. You need to have a smartph...
by VictoriaF
Thu May 24, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: The Millionaire Next Door and civil servants
Replies: 99
Views: 13519

Re: The Millionaire Next Door and civil servants

When you look at sales data for things like high end cars and the like, the expensive models that rich people buy are supported by income. The average 911 buyer for example makes something like 350k/year. It is the entry level models that have aspirational sales. People stretch to buy a 3 series a ...
by VictoriaF
Wed May 23, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's Disease, Long Term Care, and your Retirement Finances
Replies: 83
Views: 7317

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

Here's my long term care plan: https://www.cnn.com/2018/05/10/health/david-goodall-australian-scientist-dies-intl/index.html I have no intention of enduring Alzheimer's in any form or fashion, and would be gone long before LTC would be required. I don't personally consider such a minimal existence ...
by VictoriaF
Wed May 23, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 32
Views: 2361

Re: Anyone using Obitalk for Google Voice?

I have switched to OBi200 several months ago, after my 100 series stopped working. OBi200 was working well until recently. In the past few days, I had several occasions when I could not make outgoing calls; I was getting a message to the effect that the destination number was unreachable. Is there a...
by VictoriaF
Wed May 23, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: The Millionaire Next Door and civil servants
Replies: 99
Views: 13519

Re: The Millionaire Next Door and civil servants

One other point: I am proud of my federal work and the mission of my Agency. We did excellent work in public service. Whatever the delta was between private sector and public, I feel content in knowing that we made a positive difference. Sometimes it's not all about the money. :) I share your senti...
by VictoriaF
Tue May 22, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: French hotel amenities...
Replies: 15
Views: 1115

Re: French hotel amenities...

Trism wrote:
Tue May 22, 2018 6:53 pm
KlingKlang wrote:
Tue May 22, 2018 12:22 pm
You are very likely to have a bidet in the bathroom.
Do NOT use this to dry your hair or keep beer cold.
Fair warning. Even in less esoteric situations, some people act ridiculously. I've seen blog reports of a woman drying her underwear in an airplane in-cabin air vent.

Victoria
by VictoriaF
Tue May 22, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 5381

Re: How have you upgraded your wardrobe?

I bought some new socks from JC Penney a couple of years ago. It took me a year to get around to opening the package. I usually only introduce a new pair into my sock rotation when there's a special occasion, like when we visit friends/relatives where the custom is to remove shoes when we enter the...
by VictoriaF
Tue May 22, 2018 3:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 49
Views: 2669

Re: How did you fall in love with investing?

What's love got to do with it? What's love got to do, got to do with it What's love but a second hand emotion What's love got to do, got to do with it Who needs a heart when a heart can be broken. Tina Turner Moral: Don't fall in love with investing. Focus on generating income that will cover your ...
by VictoriaF
Tue May 22, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Micromanaging myself to help with completing tasks
Replies: 15
Views: 1367

Re: Micromanaging myself to help with completing tasks

Pajamas wrote:
Mon May 21, 2018 2:10 pm
Read about the Warren Buffet 5-25 method of prioritization:
Very clever! Thank you for the reference,

Victoria
by VictoriaF
Tue May 22, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: French hotel amenities...
Replies: 15
Views: 1115

Re: French hotel amenities...

KlingKlang wrote:
Tue May 22, 2018 12:22 pm
You are very likely to have a bidet in the bathroom.
Bidets used to be highly likely. But recently, in cheaper hotels, I had no bidet.

Victoria
by VictoriaF
Tue May 22, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2634
Views: 500215

Re: What's Your Credit Card Rewards Strategy?

BeneIRA, Thank you for keeping me on track! I sometimes forget reasons for different cards. You are right: I can use Freedom Unlimited for un-bonused domestic purchases (and get URs) and continue using CapOne card for un-bonused foreign purchases. Cheers, Victoria Why wouldn’t you use your Sapphire...
by VictoriaF
Mon May 21, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: The Millionaire Next Door and civil servants
Replies: 99
Views: 13519

Re: The Millionaire Next Door and civil servants

Perhaps the "Millionaire Next Door" series continues to be popular because of the allure of the spirit of entrepreneurship. I have always found it very interesting that many of the millionaires Stanley studied believe that there was a definite element of 'being in the right place at the right time'...
by VictoriaF
Mon May 21, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: $1,700,000 from family trust...
Replies: 59
Views: 7762

Re: $1,700,000 from family trust...

Good on you if you've already read Dr. Bernstein's pamphlet: https://www.etf.com/docs/IfYouCan.pdf If you haven't read it yet, please do. It's written for young new investors but all of it applies to some degree to each of us. Excellent recommendation, but let's call it a "book" (not a "pamphlet")....
by VictoriaF
Mon May 21, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2634
Views: 500215

Re: What's Your Credit Card Rewards Strategy?

I want to get CSR . - I have CSP for which I have received a bonus more than 2 years ago. - I am under 5/24. - I have other Chase cards that can keep my URs. Question-1 : After I cancel CSP, how soon will I be able to get CSR with bonuses? - One of the bloggers had a recent discussion on this topic...
by VictoriaF
Sun May 20, 2018 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: $1,700,000 from family trust...
Replies: 59
Views: 7762

Re: $1,700,000 from family trust...

Re: Financial Advisers Bill Bernstein said "If you know how to select a good financial adviser you don't need one." OP, read the Wiki about windfalls. Read other resources recommended earlier in this thread. Create a plan, post it here for critique, revise your plan, ask for more critique. If you le...
by VictoriaF
Sun May 20, 2018 10:45 pm
Forum: Investing - Theory, News & General
Topic: will the SP500 double in 7 years?
Replies: 101
Views: 11390

Re: will the SP500 double in 7 years?

It would take a drop of nearly 20% from current levels for stocks to not have doubled since the time of the OP. That is, of course, possible, but historically not likely to occur within the next seven months. It goes to show you that a majority of Bogleheads (at least those who participated in the ...
by VictoriaF
Sun May 20, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Micromanaging myself to help with completing tasks
Replies: 15
Views: 1367

Re: Micromanaging myself to help with completing tasks

I’m speaking of having a notebook and structuring my entire day whether it’s in half hour increments, one hour, etc.. From feeding the animals, to errands I need to run, to reserved time for technology (computer, email, phone, etc.) and everything between. This is for my personal time. I waste a lo...
by VictoriaF
Sun May 20, 2018 10:14 pm
Forum: Investing - Theory, News & General
Topic: will the SP500 double in 7 years?
Replies: 101
Views: 11390

Re: will the SP500 double in 7 years?

I guess I'm a perma bear, but you really need a lot of global wage inflation combined with comodity deflation or at least stagnation in order for the market to move that much in 7 years. I think speculation as measured by high PE's on a broad basis wont be back for a long time. We know what the cur...
by VictoriaF
Sun May 20, 2018 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2634
Views: 500215

Re: What's Your Credit Card Rewards Strategy?

I want to get CSR . - I have CSP for which I have received a bonus more than 2 years ago. - I am under 5/24. - I have other Chase cards that can keep my URs. Question-1 : After I cancel CSP, how soon will I be able to get CSR with bonuses? - One of the bloggers had a recent discussion on this topic...
by VictoriaF
Sat May 19, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 210
Views: 44192

Re: That Extravagant Thing You Do

Earlier today I went to a Float Spa in downtown DC. For one hour I was floating in a large bathtub full of Epsom salt in the sensory deprivation environment: complete darkness, no sounds. I will definitely do it again. The introductory package is $225 for 3 sessions; and I now have 2 sessions left. ...
by VictoriaF
Fri May 18, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2634
Views: 500215

Re: What's Your Credit Card Rewards Strategy?

I want to get CSR . - I have CSP for which I have received a bonus more than 2 years ago. - I am under 5/24. - I have other Chase cards that can keep my URs. ... Question-2 : Should I convert CSP into Freedom Unlimited? - Most bloggers recommend it, but I am wondering why should not I apply for FU ...
by VictoriaF
Fri May 18, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2634
Views: 500215

Re: What's Your Credit Card Rewards Strategy?

I want to get CSR . - I have CSP for which I have received a bonus more than 2 years ago. - I am under 5/24. - I have other Chase cards that can keep my URs. Question-1 : After I cancel CSP, how soon will I be able to get CSR with bonuses? - One of the bloggers had a recent discussion on this topic...
by VictoriaF
Tue May 15, 2018 7:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 9059

Re: Yes, I'm 89 all right! [Jack Bogle]

I’m beginning to age a bit, and stumbled through the first quarter with a bunch of heart and back setbacks. But I’m doing much better now, and eagerly finishing my twelfth book, a history of Vanguard and the index revolution. No worries, Jack. When you write your thirteenth book you will become a t...
by VictoriaF
Tue May 15, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Moving Books
Replies: 7
Views: 636

Re: Moving Books

I recognize many will suggest tossing them and going digital, but that's already happened. These remaining are out of print and are classics we want to keep. A relatively small remaining collection. Ignore detractors. Books provide the ultimate value, and printed books share their value with you mu...
by VictoriaF
Tue May 15, 2018 4:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 9059

Re: Yes, I'm 89 all right! [Jack Bogle]

Dear Jack, You have enabled an enormous wealth opportunity for millions of Americans. Your path of creating index funds was rocky. The financial industry has evolved from ridiculing your efforts, to fearing that you will put them out of business, to attempting to imitate you. You have prevailed as a...
by VictoriaF
Tue May 15, 2018 4:17 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 9027

Re: The front page is ugly

The front page is the first thing a potential new user sees. The current design can be a little off putting the first time you see it. I understand that the functionality of the front page is important but surely it would not limit the ease of using or loading much to bring the aesthetics to par wi...
by VictoriaF
Tue May 15, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Free skin cancer screenings
Replies: 26
Views: 2244

Free skin cancer screenings

Dear all, I was browsing the web and stumbled on an announcement that May is Skin Cancer Awareness Month, and the American Academy of Dermatology is providing free skin cancer screenings. This site provides locations and dates: https://www.aad.org/public/spot-skin-cancer/programs/screenings/find-a-s...
by VictoriaF
Tue May 15, 2018 3:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 380
Views: 64861

Re: Roll Call for the Retirement Class of 2014!

Well, I guess it is time for me to post my bragging picture of the year... This was in Texas, Trinity river, in March 2018. I actually caught a bigger fish than that since then, but this one is special... Check those teeth! :shock: http://i.imgur.com/oj0cMr7l.jpg Hey siamond, Yours is definitely th...
by VictoriaF
Tue May 15, 2018 3:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 380
Views: 64861

Re: Celebrating my 4th year in retirement today!

. . . My official last day at work is 5/15/14, and I can see retirement from my window . . . Good morning, just back from a very rewarding LUng Distance workout. Time is moving fast, today I celebrate my 4th year as a member of the Active Retired Force . Also effective today I have moved to the dis...
by VictoriaF
Mon May 14, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to define "rich"?
Replies: 32
Views: 2265

Re: Best way to define "rich"?

GCD wrote:
Mon May 14, 2018 6:03 pm
What's wrong with marrying Miss New Jersey?
There is nothing wrong with marrying Miss New Jersey.
But it's not a good proxy for being "rich":

Victoria
by VictoriaF
Mon May 14, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to define "rich"?
Replies: 32
Views: 2265

Re: Best way to define "rich"?

What is the WORST way to define "rich"?

How about:
You are rich when you have high credit card limit.
You are rich when your broker drives Rolls Royce.
You are rich when your wife is a former Miss New Jersey.

Victoria
by VictoriaF
Mon May 14, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to rent as a retiree?
Replies: 83
Views: 8748

Re: Does it make sense to rent as a retiree?

I am retired, and I rent an apartment in a high rise building. It provides the simplicity that I seek in housing arrangements. I doubt I will ever own real estate again. I am retired, and I rent an apartment in a medium rise building in the Washington DC area. It provides the simplicity that I seek...
by VictoriaF
Mon May 14, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to define "rich"?
Replies: 32
Views: 2265

Re: Best way to define "rich"?

"Rich" is not needing to show that you are rich.

Victoria
by VictoriaF
Mon May 14, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 318
Views: 22631

Re: Lucrative careers?

OP, Here is my take on your situation: 1. " Lucrative " is subjective. If people in your social circle make $30k/year, $100k/year is lucrative. If your social circle is making $150k/year, $250k/year is lucrative. You probably meant "well-paying" job. But by using the word "lucrative" you have trigge...
by VictoriaF
Mon May 14, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 554
Views: 131242

Re: That Frugal Thing You Do

My grandmother's favorite saying (in Hungarian) was "If somebody wants to give you something take it, if they want to hit you, run". i know it in 5 languages. You can't be any more frugal than getting something for free. If somebody wants to give you something, take it!! There is a Hungarian family...
by VictoriaF
Mon May 14, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Amazon package that can't be traced
Replies: 72
Views: 3870

Re: Amazon package that can't be traced

I have contacted Amazon and had a chat session with their customer service representative. The CSR asked me for the package identification, and I typed for him the UPS tracking number and all other mixed text strings I found on the package. The CSR told me that none of these strings represents the ...
by VictoriaF
Mon May 14, 2018 2:41 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 9027

Re: The front page is ugly

...The point is not that they had different opinions, the point is that nobody thought there could possibly be a difference of opinion. ... And I'd like to think recognizing this about our own opinions is a sign of wisdom. Some choices are not mere opinions but physiologically and psychologically i...
by VictoriaF
Mon May 14, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Amazon package that can't be traced
Replies: 72
Views: 3870

Re: Amazon package that can't be traced

While it doesn’t seem to apply to the present situation, always check your credit cards for compromise if you receive purchased merchandise you did not order. Some vendors always ship to the billing address of a credit card as a fraud deterrent even if a different shipping address is used. Yes, of ...
by VictoriaF
Mon May 14, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Amazon package that can't be traced
Replies: 72
Views: 3870

Re: Amazon package that can't be traced

Would it help if they had a photo? Maybe you could take one of your two smartphones out of the boxes in your close, open one, connect it to your wifi, take photos or all of the markings, send them to the Amazon Rep and put the smartphone back in the box! Hi Lynnette, You have put your finger on my ...