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Re: "I've had it" at work - how often

linenfort wrote:This thread reminds me that it's good to strive for early retirement.
Group hug!


Any chance you can join the Class of 2014?

Victoria
by VictoriaF
Mon Oct 20, 2014 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 117
Views: 8988

Re: "I've had it" at work - how often

To be honest, knowing that I could laugh at the latest stupid idea and hand in my papers any time I want to has actually made it easier to deal with the madness. Contemplating that future is almost as much fun as executing it will be. Yes, that is a big help in dealing with the usual nonsense! Peop...
by VictoriaF
Mon Oct 20, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 117
Views: 8988

Re: Anyone cancelling travel plans?

Well s**t, Victoria, I didn't know about the hockey stick risk. And with NHL season starting too. I would cancel my subscription to ESPN if I had one but since I don't, how can I protect myself? Bill Bernstein's guidance applies. "Skating Where the Puck Was" keeps you on the flat side of ...
by VictoriaF
Mon Oct 20, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 101
Views: 4910

Re: Anyone cancelling travel plans?

The Wizard wrote:I'm sensing a thread shutdown here..


Do you think the thread has become contagious?

Victoria
by VictoriaF
Mon Oct 20, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 101
Views: 4910

Re: How do you wash your car?

After a rain, my 1997 Civic looks like new.

Victoria
by VictoriaF
Mon Oct 20, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 84
Views: 2850

Re: You may be getting charged rent for a router/modem you o

cheese_breath wrote:Reminds me of the film serials I used to see at the movies every Saturday when I was a kid in the '50s. Anxiously awaiting the next chapter. :twisted:


May be someone will hire me to write a script for a TV series.

Victoria
by VictoriaF
Mon Oct 20, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 23
Views: 2314

Re: You may be getting charged rent for a router/modem you o

My Comcast travails: 1. TV adapter - While I was still living in Maryland, Comcast called me that they were sending me a TV adapter. - I told them that I don't have a TV and don't need an adapter. - They said that the adapter was free. - I said I that I still don't need it. - They said that they do ...
by VictoriaF
Mon Oct 20, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 23
Views: 2314

Re: Livesoft - Thank you

placeholder wrote:
VictoriaF wrote:I miss him

Just say the right thing and you might get a PM.

sscritic is like a Nobel committee. No one knows how he selects winners for his PMs. Can you nominate me?

Victoria
by VictoriaF
Sun Oct 19, 2014 10:31 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 37
Views: 3977

Re: Tell me about Berlin :-)

If you enjoy historical walking tours I strongly recommend Terry Brewer's walking tour. We did a 12 hour walking tour with Terry about 8 years ago, and it was truly fantastic, for a history geek like me. We walked throughout East Berlin, and eventually, slowly, made our way through to West Berlin, ...
by VictoriaF
Sun Oct 19, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Berlin :-)
Replies: 36
Views: 2296

Re: Anyone cancelling travel plans?

Yes, you're being overly paranoid... "Overly paranoid" is an overstatement. Until you start bleeding out of your eyes. :( My statement was a form of a double negative, the essence of which was that bleeding out of one's eyes is a possibility, considering which may be paranoid but not &quo...
by VictoriaF
Sat Oct 18, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 101
Views: 4910

Re: Anyone cancelling travel plans?

Yes, you're being overly paranoid... "Overly paranoid" is an overstatement. The spread of this disease is exponential, it starts slowly and then quickly rises like a hockey stick... http://2.bp.blogspot.com/-DvXEywnwB3w/Tx9LKAFy2mI/AAAAAAAAAG4/ih69qxTTEIc/s1600/hockeystickcurve.png ...unl...
by VictoriaF
Sat Oct 18, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 101
Views: 4910

Re: If those airline passengers get sick- airline stocks wil

We are entering flu season, so I'd imagine there will be a lot of false alarms. Yes, probably so. Might be better invested in cable news companies. They love this stuff. The news organizations are (will be) affected by restricted travel. Airline stocks are likely to drop (the topic of this thread)....
by VictoriaF
Sat Oct 18, 2014 7:29 pm
 
Forum: Investing - Theory, News & General
Topic: If those airline passengers get sick- airline stocks will
Replies: 22
Views: 1606

Re: "I've had it" at work - how often

During most of my career I was fortunate to be content with my work. The fluctuation were mostly on the positive side with several notable highs and generally shallow lows. However, I had two situations in which I was close to resigning. In the retrospect, I am glad that I stayed. Very glad. Victoria
by VictoriaF
Sat Oct 18, 2014 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 117
Views: 8988

Re: Anyone cancelling travel plans?

jebmke wrote:We have stopped watching "Dallas." Too risky.


You should put the TV set into a hazmat suite for the next 21 days.

Victoria
by VictoriaF
Sat Oct 18, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 101
Views: 4910

Re: new accounts - getting ready to retire

Victoria, I don't know anything about state tax law where you live, but in New York State, distributions from government retirement (Federal, NYS, and political subsidivisions of NYS) plans qualify for tax-exempt treatment. Here is a decision by the NYS Tax Department that appears to include TSP di...
by VictoriaF
Sat Oct 18, 2014 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: new accounts - getting ready to retire
Replies: 14
Views: 1318

Re: Livesoft - Thank you

placeholder wrote:
VictoriaF wrote:sscritic has not been posting lately.

He's gone into one of his periodic "run silent run deep" modes.

I miss him,
Victoria
by VictoriaF
Sat Oct 18, 2014 12:28 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 37
Views: 3977

Re: Livesoft - Thank you

He's a rock star amongst other fantastic contributors here. I thank you livesoft for answering my PMs even though most of your answers ended with a question :-) +1. I also appreciate sscritic's views, though we do have our differences. sscritic has not been posting lately. Is that your fault? Victo...
by VictoriaF
Sat Oct 18, 2014 12:08 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 37
Views: 3977

Re: Anyone cancelling travel plans?

Many of us are going to the Bogleheads conference on 22-24 October 2014. The only expected infection spread is that of wisdom.

Victoria
by VictoriaF
Sat Oct 18, 2014 11:33 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 101
Views: 4910

Re: Why do people use age instead of life expectancy?

"Age in bonds" is a heuristic, which people modify to fit various data and personal inclinations. The Efficient Frontier curve shows that holding less than 20% in stocks is riskier than 20%. Thus, after the age of 80, "age in bonds" becomes "20% in bonds." At earlier ag...
by VictoriaF
Sat Oct 18, 2014 9:53 am
 
Forum: Investing - Theory, News & General
Topic: Why do people use age instead of life expectancy?
Replies: 43
Views: 2804

Re: Is it possible to have a favorite movie

Is the question whether it's possible to have the all-time favorite film? Or to tell what the film is? Victoria Feel free to go in the other direction if you like. My answer to the question in the title of the thread, i.e., "Is it possible to have a favorite movie," is as follows: It is p...
by VictoriaF
Sat Oct 18, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 81
Views: 2882

Re: If those airline passengers get sick- airline stocks wil

cvault wrote:The fear is in the air.


This phrase has at least three different interpretations:
1) fearing something you hear
2) fearing something that happens when you fly
3) fearing something you may inhale.

Victoria
by VictoriaF
Sat Oct 18, 2014 12:52 am
 
Forum: Investing - Theory, News & General
Topic: If those airline passengers get sick- airline stocks will
Replies: 22
Views: 1606

Re: If those airline passengers get sick- airline stocks wil

Fliers get sick all the time either due to turbulence, or excessive alcohol consumption, or both. This is the reason for airlines providing paper bags at each seat. Now, every case of sickness will be second-guessed as an exotic disease starting with letter E. Cleaning up after every case of sicknes...
by VictoriaF
Sat Oct 18, 2014 12:08 am
 
Forum: Investing - Theory, News & General
Topic: If those airline passengers get sick- airline stocks will
Replies: 22
Views: 1606

Re: Livesoft - Thank you

I was recently attending a meeting in Old Windsor, UK. The conference center was quite expensive, and I found a cheaper Inn 1.5 miles away. I posted a question about it, and Livesoft responded with a recommended walking route between the Inn and the conference center. Livesoft's recommendation helpe...
by VictoriaF
Fri Oct 17, 2014 11:56 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 37
Views: 3977

Re: Is it possible to have a favorite movie

Is the question whether it's possible to have the all-time favorite film? Or to tell what the film is?

Victoria
by VictoriaF
Fri Oct 17, 2014 11:49 pm
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 81
Views: 2882

Re: new accounts - getting ready to retire

I would roll them to one IRA. The reason to keep them separate has long disappeared. There is still at least one reason to keep them separate for some folks. In some states, defined contribution retirement plans at government employers are not subject to state taxes, and this remains true even if t...
by VictoriaF
Fri Oct 17, 2014 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: new accounts - getting ready to retire
Replies: 14
Views: 1318

Re: new accounts - getting ready to retire

New Boglehead here. ... An advisor mentioned he would roll each into its own IRA account, but didn't elaborate why. Did the adviser recommend any specific custodians for your IRA accounts? Most people here favor Vanguard. Fidelity has some low cost funds. However, advisers tend to recommend other f...
by VictoriaF
Fri Oct 17, 2014 11:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: new accounts - getting ready to retire
Replies: 14
Views: 1318

Re: What will you do when you retire?

Q1) When do you plan to retire? (If you are already retired, disregard) A. 24 September 2014. I am still in the planning stage. Q2) What do you plan to do when you retire? If you are already retired, what are you doing now? A. In retirement, I want to engage in several general pursuits that were dif...
by VictoriaF
Fri Oct 17, 2014 11:20 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What will you do when you retire?
Replies: 37
Views: 3556

Re: Roll Call for the Retirement Class of 2014!

I have been retired for just over three weeks. A few days before retiring, I moved to a new apartment. On the day of the retirement I flew to the UK. After my return from the UK, I got hit with a combination of (1) jet lag, (2) getting settled in the new place, and (3) email, paper mail, and various...
by VictoriaF
Fri Oct 17, 2014 2:06 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 225
Views: 21053

Re: Roll Call for the Retirement Class of 2014!

htdrag11 wrote:Victoria,

It is 25th of september, though I do have vacation paid till 2nd of october.

Cheers!


htdrag11, Thank you for a clarification. I fixed it,

Victoria
by VictoriaF
Fri Oct 17, 2014 1:50 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 225
Views: 21053

Re: Roll Call for the Retirement Class of 2014!

Class of 2014 as of 17 October 2014: xx xxx - ww340 (61) xx Jan - Gary Guss (62) 01 Jan - pryan (64) 01 Jan - Lilly 01 Jan - rrppve (53) 01 Jan - hudson 01 Jan - Professor Emeritus 01 Jan - nbseer (62) 01 Jan - Statch (55) 10 Jan - tacster (57) 11 Jan - Kaufmanrider (49) 11 Jan - Norris (63) 14 Jan...
by VictoriaF
Fri Oct 17, 2014 9:41 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 225
Views: 21053

Re: PhD in Computer Engineering?

I am reading a book So good they can't ignore you: Why skills trump passion in the quest for work you love by Cal Newport. Newport is assistant professor of computer science at Georgetown university, which makes his experience and insights are relevant to the OP's son. The main theme of the book is ...
by VictoriaF
Fri Oct 17, 2014 9:18 am
 
Forum: Personal Finance (Not Investing)
Topic: PhD in Computer Engineering?
Replies: 31
Views: 3025

Re: Headed for a 300+ point loss today?

The problem is not that the market has lost a few percentage points in the past couple weeks. The problem is that the market is dropping fast, which may trigger short selling and a strong downward momentum. Even people with a conservative allocation can't watch it easily--just as people get mesmeri...
by VictoriaF
Wed Oct 15, 2014 3:19 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27796

Re: Headed for a 300+ point loss today?

The problem is not that the market has lost a few percentage points in the past couple weeks. The problem is that the market is dropping fast, which may trigger short selling and a strong downward momentum. Even people with a conservative allocation can't watch it easily--just as people get mesmeri...
by VictoriaF
Wed Oct 15, 2014 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27796

Re: Recent statistics of college majors

Does this belong in the Investing - Theory,News & General board? I think it might be more appropriate for the Personal Finance board. I chose this sub-forum, because I presented recent statistics, and thus "news." If the moderators re-classify and move this thread elsewhere I would no...
by VictoriaF
Wed Oct 15, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recent statistics of college majors
Replies: 35
Views: 2633

Re: Couch Surfing

I think your world view is unrealistic if you think it is probable to be drugged and locked in a basement. Cause - it never happens, right? And, the upside if it doesn't is a nice chat? That cost benefit doesn't work for me. Leonard, I always appreciate your direct, common-sensical comments, includ...
by VictoriaF
Wed Oct 15, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5075

Re: Recent statistics of college majors

Well, I’m an electrical engineer, and I don’t think we should discourage anyone who wants to give an engineering degree a shot... I was a teaching assistant (TA) in the Thermodynamics course for three semesters at a flagship state university. The course was mandatory for all engineering specialties...
by VictoriaF
Wed Oct 15, 2014 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recent statistics of college majors
Replies: 35
Views: 2633

Re: Headed for a 300+ point loss today?

VictoriaF wrote:just as people get mesmerized by tornadoes, avalanches and other natural events happening at a distance.

Victoria


Washington, DC, is under a tornado warning until 13:00. My successful prediction adds credibility to everything else I write.

Victoria
by VictoriaF
Wed Oct 15, 2014 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27796

Re: Headed for a 300+ point loss today?

Browser wrote:Anybody planning to do this?

Image


You mean, boxing with falling knives?

Victoria
by VictoriaF
Wed Oct 15, 2014 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27796

Re: Headed for a 300+ point loss today?

This depends on where the deer stands. And whether the hunter is sitting in a deer stand. Now I'm confused. I was thinking of a nightly road, a speeding car, and a deer frozen in place. Depending on the deer's body allocation between the road and the side of the road, it would get killed, hurt, psy...
by VictoriaF
Wed Oct 15, 2014 11:56 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27796

Re: When people put all their eggs in the wrong basket

I like thought experiments. In my earlier message cited here, I looked for possible explanations of why one would put all money into a single stock. It's easy to claim that some people are just stupid and leave the topic. I wanted to find a plausible explanation apart from stupidity. Victoria I thi...
by VictoriaF
Wed Oct 15, 2014 11:37 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 213
Views: 19768

Re: Headed for a 300+ point loss today?

The problem is not that the market has lost a few percentage points in the past couple weeks. The problem is that the market is dropping fast, which may trigger short selling and a strong downward momentum. Even people with a conservative allocation can't watch it easily--just as people get mesmeri...
by VictoriaF
Wed Oct 15, 2014 11:30 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27796

Re: Headed for a 300+ point loss today?

The problem is not that the market has lost a few percentage points in the past couple weeks. The problem is that the market is dropping fast, which may trigger short selling and a strong downward momentum. Even people with a conservative allocation can't watch it easily--just as people get mesmeriz...
by VictoriaF
Wed Oct 15, 2014 11:05 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27796

Re: Why does the stock market beat inflation?

Now it seems like the stock game doesn't have much to do with the underlying economy. I sell you some Apple shares -- you sell me back some Google shares -- and the Apple/Google employees ride their spiffy WIFI buses to work ignoring our trading activity. But when I get a paycheck and make a brand ...
by VictoriaF
Tue Oct 14, 2014 10:52 pm
 
Forum: Investing - Theory, News & General
Topic: Why does the stock market beat inflation?
Replies: 62
Views: 3049

Re: PhD in Computer Engineering?

Financial industry is actively recruiting "rocket scientists." If all other prospects fail, one can settle for a $200k salary on Wall Street.

Victoria
by VictoriaF
Tue Oct 14, 2014 10:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: PhD in Computer Engineering?
Replies: 31
Views: 3025

Re: Recent statistics of college majors

The starting salary chart looks almost identical to the ones I saw when I chose a major 30 years ago! The dollars are higher, of course, but very close to tracking inflation since then. One story they don't tell, however, is how many openings are available in each profession. That's something stude...
by VictoriaF
Tue Oct 14, 2014 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recent statistics of college majors
Replies: 35
Views: 2633

Re: Why does the stock market beat inflation?

I put very little faith in expected market returns (hence the "why?"- I want reason not faith) or safe withdrawal rates. What will you do if you don't find a satisfactory answer? Victoria Don't worry. Nothing desperate. I would worry if you found a satisfactory answer [for an assured 8% r...
by VictoriaF
Tue Oct 14, 2014 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: Why does the stock market beat inflation?
Replies: 62
Views: 3049

Re: Recent statistics of college majors

I wonder if this is due to differing rates of earning growth in different career paths (engineers start out high and get relatively smaller raises every year whereas business majors start out low and grow their income faster), or if it's because prospects for different careers have changed in the p...
by VictoriaF
Tue Oct 14, 2014 9:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recent statistics of college majors
Replies: 35
Views: 2633

Re: Why does the stock market beat inflation?

Here's a very simple math model to demonstrate how a capitalistic system is skewed towards capital owners. Assume we have a 80/20 population where 80% has a 100% consumption rate. Their share of the GDP growth will remain constant at inflation since they are pegged 100% to wage & price changes....
by VictoriaF
Tue Oct 14, 2014 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: Why does the stock market beat inflation?
Replies: 62
Views: 3049

Re: Headed for a 300+ point loss today?

Hi Paul, I have two possible explanations, one technical and one physiological. The technical explanation is that a falling market is amplified by margin calls. The physiological explanation is that a rising market creates a "winner effect" in traders, their testosterone rises, and they pu...
by VictoriaF
Tue Oct 14, 2014 9:12 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27796

Re: Why does the stock market beat inflation?

Archimedes said: "Give me a lever long enough and a fulcrum on which to place it, and I shall move the world." With the usual physics envy, economics could be tempted to transform this into: "Give me a time-frame long enough and a starting point for applying the formula, and I shall k...
by VictoriaF
Tue Oct 14, 2014 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: Why does the stock market beat inflation?
Replies: 62
Views: 3049
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