Search found 17342 matches

by VictoriaF
Tue Jan 02, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 140
Views: 7759

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: 12768

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: 299
Views: 21046

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: 774

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: 128
Views: 11336

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: 774

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: 299
Views: 21046

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: 127
Views: 7419

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: 299
Views: 21046

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: 6110

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: 299
Views: 21046

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: 127
Views: 7419

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: 3248

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: 3248

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: 3248

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: 761

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
by VictoriaF
Fri Dec 29, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 299
Views: 21046

Re: What frugal thing did you do today?

Ridiculously high satisfaction from saving $4: I wanted to book one of my 2018 flights before the New Year. For a long while Google Flights was showing the optimal flights for $258. I was going to wait until 28-29 December to buy it. Then on Wednesday, the 27th, the price has suddenly dropped to $22...
by VictoriaF
Fri Dec 29, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 30781

Re: Ally Bank 11 month [No-Penalty CD]

I opened an 11 Month no penalty at 1.75%, transferred from our Ally Savings account, online in about 2 minutes. Meanwhile, the wait to talk to someone in the upper right moved from 31 minutes to 27. I also have closed/opened no-penalty CDs quickly. But I used Ally Checking as my intermediate stage ...
by VictoriaF
Fri Dec 29, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Good VPN?
Replies: 21
Views: 1956

Re: Good VPN?

If you're tech savvy, my most preferred option is to just use an AWS ec2 instance at the free tier, write the user data to spin up an instance and auto-install/config the VPN components. Use that on demand as needed, terminating it after each session. And you can spawn the free ec2 instance in what...
by VictoriaF
Fri Dec 29, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Stoics View on Debt
Replies: 33
Views: 3248

Re: Stoics View on Debt

I receive a daily email from https://dailystoic.com/ . Today's email ... Thank you, Timmy, It's an excellent reminder for the Bogleheads. I bookmarked your link to Daily Stoic and will explore it. Nassim Taleb is also vocal against debt and margin trading. The first step to antifragility is elimina...
by VictoriaF
Fri Dec 29, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11678

Re: European Cities that don't interest you

timmy wrote:
Fri Dec 29, 2017 9:49 am
Go anywhere with good cheese! :D

Avoid places that don't serve ice. :shock:
This is funny! In Europe I take rest from telling waiters not to put ice into my water.

Victoria
by VictoriaF
Fri Dec 29, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 127
Views: 7419

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

I'm the world's worst note-taker and can't read my own handwriting. If anyone knows of any shorthand system that works, and knows of a relevant book, I'd be grateful. I'm the world's best note-taker and it's my curse. I have dozens of notebooks, stacks of stapled papers, and real books full of note...
by VictoriaF
Thu Dec 28, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 127
Views: 7419

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

The Elephant in the Mind: Hidden Motives in Everyday Life by Simler and Hanson. See here: https://www.amazon.com/Elephant-Brain-Hidden-Motives-Everyday/dp/0190495995/ref=sr_1_1?s=books&ie=UTF8&qid=1514475781&sr=1-1&keywords=the+elephant+in+the+brain One review summed the book up nicely: “Charles Da...
by VictoriaF
Thu Dec 28, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11678

Re: European Cities that don't interest you

Also, I am a big fan of Budapest, but Prague didn't quite do it for me like I thought it would. I have heard this a handful of times For each her own. In a week I am leaving for Prague to take an intensive two-week language course. I like the Czech Republic enough to invest time, money, and mental ...
by VictoriaF
Thu Dec 28, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Good VPN?
Replies: 21
Views: 1956

Re: Good VPN?

I don't trust VPNs unless it's provided by your employer. There are many free and paid for VPNs, but you can't know the VPN provider's secondary collections and activities. You can't trust their stated policies. You can't inspect their systems. And even if they comply with their promises today, they...
by VictoriaF
Thu Dec 28, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 127
Views: 7419

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

VictoriaF wrote, You have motivated me to drop $20+ on the hardcover edition. Please note that the correct title of the book is The Elephant in the Brain . (I’ll go back and edit the mistake.) And, per the cost, the news gets worse. As of today, the hardcover edition is $32.51. The Kindle is $23.65...
by VictoriaF
Thu Dec 28, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: gift cards - caveats
Replies: 41
Views: 1905

Re: gift cards - caveats

rjbraun,

Thank you for starting this thread and prompting helpful recommendations. Good luck with using your cards!

Victoria
by VictoriaF
Thu Dec 28, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 127
Views: 7419

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

Here's my non-fiction book club's list for 2018: The River of Consciousness - Oliver Sacks The General vs the President:MacArthur and Truman at the Brink of Nuclear War - H.W. Brands The Hidden Life of Trees -Peter Wohlleben A Crack in Creation: Gene Editing and the Unthinkable Power to Control Evo...
by VictoriaF
Thu Dec 28, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 4617

Re: A Year of Extreme Frugality

Follow a plan: - Keep track of your expenses for a month. - Be precise. if you give $1 cash tip at a bar, note it in your log. - Organize your expenses by categories. - In an alert analytical state of mind review your normal pattern of expenses and decide which ones you want to cut. - Create a stra...
by VictoriaF
Thu Dec 28, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11678

Re: European Cities that don't interest you

Though Murmansk might be kind of fun if one could see nearby Laplanders and reindeer. I'll update this post since I did a little reading after posting. It looks like Murmansk could be the home base for the very adventurous. They offer: Excursions to the North Pole on a nuclear-powered icebreaker Ex...
by VictoriaF
Thu Dec 28, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 4617

Re: A Year of Extreme Frugality

halfnine wrote:
Thu Dec 28, 2017 12:37 pm
But, I never tried to save by eating what I would consider an unhealthy diet. Healthy food is the last thing I'd give up.
Excellent point. It's worth repeating even if it's obvious.

Victoria
by VictoriaF
Thu Dec 28, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 4617

Re: A Year of Extreme Frugality

Follow a plan: - Keep track of your expenses for a month. - Be precise. if you give $1 cash tip at a bar, note it in your log. - Organize your expenses by categories. - In an alert analytical state of mind review your normal pattern of expenses and decide which ones you want to cut. - Create a strat...
by VictoriaF
Thu Dec 28, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 127
Views: 7419

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

The Elephant in the Mind: Hidden Motives in Everyday Life by Simler and Hanson. See here: https://www.amazon.com/Elephant-Brain-Hidden-Motives-Everyday/dp/0190495995/ref=sr_1_1?s=books&ie=UTF8&qid=1514475781&sr=1-1&keywords=the+elephant+in+the+brain One review summed the book up nicely: “Charles Da...
by VictoriaF
Thu Dec 28, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11678

Re: European Cities that don't interest you

Surprised/amused to see Frankfurt on so many no-go lists. Sure, the main tourist attractions (Roemerberg, Alt-Sachsenhausen etc) are a bit rubbish, but there's a few handfuls of good to world-class museums, nice walks and parks, good and/or local food/drink and easy access to some of Germany's nice...
by VictoriaF
Wed Dec 27, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 127
Views: 7419

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
Wed Dec 27, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 127
Views: 7419

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

99% of my reading is non-fiction. The one I am really looking forward to is "Win Bigly: Persuasion in a World Where Facts Don't Matter" by Scott Adams. I have recently finished Adams's earlier book "How to Fail at Almost Everything and Still Win Big." It was excellent. I was alerted to Adams's books...
by VictoriaF
Wed Dec 27, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: Use of 2FA Held My Accounts Hostage
Replies: 28
Views: 2559

Re: Use of 2FA Held My Accounts Hostage

I agree a change in 2FA should freeze my accounts temporarily. But I didn't change anything but my landline phone number and my 2FA had been working flawlessly up until that point. To freeze my accounts without warning for 10 days was a bit excessive. I think at minimum they should have at least ge...
by VictoriaF
Wed Dec 27, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 299
Views: 21046

Re: What frugal thing did you do today?

As I was reviewing my 2018 travel plans, I decided NOT to go to Palo Alto in April and to Berlin in July. These are frugal decisions, but my goal is to be frugal with time rather than money. Every trip, especially international and across several time zones, uses my energy for planning and catching ...
by VictoriaF
Wed Dec 27, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Regarding Chase Freedom Q1 categories
Replies: 7
Views: 844

Re: Regarding Chase Freedom Q1 categories

I always test Freedom's 5x on a small purchase before pouring in the entire $1,500. For example, some 7-Eleven stores code as gas stations and some don't, irrespective of whether they actually offer gas. In 4Q17 I discovered a Sears store that was selling Amazon gift cards, and after testing it on a...
by VictoriaF
Wed Dec 27, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11678

Re: European Cities that don't interest you

Just read an article about the ten worse tourist destinations. Most had to do with too many tourists. One of the larger disappointments was the Mona Lisa in the Louvre in Paris. (That room also had the highest concentration of pickpockets per square inch than any place in the city.) On my last trip...
by VictoriaF
Wed Dec 27, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11678

Re: European Cities that don't interest you

I'd put just about every city in Russia on the Not-Interested list. I imagine lots of boring Soviet-style apartment buildings and heavy industrial buildings. vs Europeans also love to make fun of American stereotypes, like that most Americans are fat, shop at Walmart in tacky clothes, and eat at Mc...
by VictoriaF
Wed Dec 27, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11678

Re: European Cities that don't interest you

JupiterJones wrote:
Wed Dec 27, 2017 1:01 pm
linenfort wrote:
Sun Dec 24, 2017 10:23 am
Chernobyl — maybe I am somewhat interested, but from a distance.
I've heard it gets glowing reviews.
But these reviews have only half-life.

Victoria
by VictoriaF
Tue Dec 26, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: EU Passport For Cheap College and Other Benefits
Replies: 52
Views: 3470

Re: EU Passport For Cheap College and Other Benefits

The Norwegian government has made a list of which they consider good enough to pay extra for (scroll down and click on the name of the country, and the list will pop up): https://www.lanekassen.no/nb-NO/Stipend-og-lan/Utland/Hvor-mye/Stotte-til-skolepenger/skolepenger-utenfor-norden/Tilleggsstipend...
by VictoriaF
Tue Dec 26, 2017 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: [Pass-Thru Entities Questions Thread]
Replies: 123
Views: 7901

Re: [Pass-Thru Entities Questions Thread]

Here is how I am interpreting Section 199A. In 2018, I will start a blog and in 2019 publish a related book. There will be expenses related to the blog and the book, and possibly some income, which I will treat as a sole proprietor. Here are two plausible scenarios: Scenario #1 (2018) $6,000 - expe...
by VictoriaF
Tue Dec 26, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11678

Re: European Cities that don't interest you

No, quite a few of the people were happy to be able to practice their English with a non-accented American (I'm German/Polish/Irish from NE Ohio so if I kept my mouth shut I blended right in). I think that they are afraid of picking up British accents because of all of the BBC channels that they ge...
by VictoriaF
Tue Dec 26, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: EU Passport For Cheap College and Other Benefits
Replies: 52
Views: 3470

Re: EU Passport For Cheap College and Other Benefits

The Norwegian government has made a list of which they consider good enough to pay extra for (scroll down and click on the name of the country, and the list will pop up): https://www.lanekassen.no/nb-NO/Stipend-og-lan/Utland/Hvor-mye/Stotte-til-skolepenger/skolepenger-utenfor-norden/Tilleggsstipend...
by VictoriaF
Tue Dec 26, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping seldom-used credit cards active
Replies: 11
Views: 1252

Re: Keeping seldom-used credit cards active

MotoTrojan wrote:
Tue Dec 26, 2017 5:12 pm
You never make insignificantly small charges?
The problem is not finding an insignificantly small charge but remembering to pay the CC bill. I pay all bills manually and use AutoPay as a backup.

Victoria
by VictoriaF
Tue Dec 26, 2017 7:23 pm
Forum: Personal Consumer Issues
Topic: Basic questions about having your own website
Replies: 12
Views: 1255

Re: Basic questions about having your own website

What company did you register the domain with? What website hosting company are you considering? Was there a reason for asking? BrianJM may have ulterior motives for his question. But it also could be to help you out. Domain name providers and hosting providers have reputations, good and bad. Some ...
by VictoriaF
Tue Dec 26, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11678

Re: European Cities that don't interest you

Also, I am a big fan of Budapest, but Prague didn't quite do it for me like I thought it would. I have heard this a handful of times For each her own. In a week I am leaving for Prague to take an intensive two-week language course. I like the Czech Republic enough to invest time, money, and mental ...