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Re: Key to happiness in retirement

tennisplyr wrote:Retired here for 3 years, don't forget to be thankful for everyday....even the small stuff.


Agreed. In my list it's a part of cultivating a positive mindset.

Victoria
by VictoriaF
Tue Sep 16, 2014 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Key to happiness in retirement
Replies: 30
Views: 2763

Re: Financial Psychology - Mind Over Money

Kahneman, Ariely, and other prominent BE researchers freely admit that the knowledge of cognitive biases has not protected them from making every mistake in the book. I always thought that their editors forced them to put that in their books. No, there have been some real interesting experiments th...
by VictoriaF
Tue Sep 16, 2014 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 33
Views: 1116

Re: Financial Psychology - Mind Over Money

On the other hand, It's more fun to get directly to the other hand... ...the straight index-fund-only Boglehead approach has always seemed "coercive" to me. Like the only way the investor can get comfortable holding straight equity index funds during a downturn is to have somebody whisper...
by VictoriaF
Tue Sep 16, 2014 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 33
Views: 1116

Re: Financial Psychology - Mind Over Money

... Loss aversion (whose existence has been questioned by some recent studies) is not fear of a market crash but the asymmetrical value between losses and gains of equal value - passive indexing would do nothing to help with loss aversion per se. Handing over management of your money to someone els...
by VictoriaF
Tue Sep 16, 2014 3:06 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 33
Views: 1116

Re: Financial Psychology - Mind Over Money

... Loss aversion (whose existence has been questioned by some recent studies) is not fear of a market crash but the asymmetrical value between losses and gains of equal value - passive indexing would do nothing to help with loss aversion per se. Handing over management of your money to someone els...
by VictoriaF
Tue Sep 16, 2014 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 33
Views: 1116

Re: Tour travelling by bus

Phineas J. Whoopee wrote:I recommend Green Tortoise. I'm not associated with them in any way other than as a satisfied customer. It isn't for everyone, but it's just about the best available for those whom it is for.
PJW


Now, this is interesting. I have to remember to check Green Tortoise next year.

Victoria
by VictoriaF
Tue Sep 16, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Tour travelling by bus
Replies: 22
Views: 1050

Re: Key to happiness in retirement

“I am a happy camper so I guess I’m doing something right. Happiness is like a butterfly; the more you chase it, the more it will elude you, but if you turn your attention to other things, it will come and sit softly on your shoulder.” ― Henry David Thoreau Being a great fan of serendipity, I've al...
by VictoriaF
Tue Sep 16, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Key to happiness in retirement
Replies: 30
Views: 2763

Re: Key to happintess in retirement.

I am now reading blogs and books by entrepreneurs who offer their books, consulting, and other services in the cyberspace, while working out of their home. If you have any blogs or books you find the most helpful, would appreciate if you could share the names...I am tossing around all kinds of post...
by VictoriaF
Tue Sep 16, 2014 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Key to happiness in retirement
Replies: 30
Views: 2763

Re: Financial Psychology - Mind Over Money

The web provides snapshots of cognitive biases. You get into more depth--and more fun--by reading books by Dan Ariely. Ariely teaches a Coursera course on Irrational Behavior. He has offered it twice, in March-April of 2013 and 2014, and hopefully will do it again. I highly recommend it, and it's fr...
by VictoriaF
Tue Sep 16, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 33
Views: 1116

Re: Key to happintess in retirement.

TravelforFun wrote:I'm five years from retirement.


I am eight days from retirement. I feel like a chick about to hatch.

Victoria
by VictoriaF
Tue Sep 16, 2014 11:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Key to happiness in retirement
Replies: 30
Views: 2763

Re: Hamilton watches, worth the money?

IMHO, no watch (including a $10 Casio) is worth the money, assuming you carry a cell phone- it's just redundant, uncomfortable, and another thing you have to care for. Your cell phone is far more versatile and you will become less time-addicted. I own both. Most of the time I carry neither. Sometim...
by VictoriaF
Tue Sep 16, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 188
Views: 4795

Re: Hamilton watches, worth the money?

Underwear is redundant if you are wearing outer garments, yet most people wear underwear. You must be a man. Some underwear is difficult to replicate with outerwear. Victoria Victoria, are you saying you don't wear underwear? I want proof lol lol Arthur, I am saying the opposite. I am saying that u...
by VictoriaF
Tue Sep 16, 2014 9:31 am
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 188
Views: 4795

Re: How much you need to save as multiple of salary

TIME article quotes a Fidelity study which says: Here are the guideposts: At age 35, you should have saved an amount equal to your annual salary. At age 45, you should have saved three times your annual salary. At 55, you should have five times your salary. I see a problem right here. The recommend...
by VictoriaF
Tue Sep 16, 2014 7:23 am
 
Forum: Investing - Theory, News & General
Topic: How much you need to save as multiple of salary
Replies: 46
Views: 5193

Re: Hamilton watches, worth the money?

Cash wrote:Underwear is redundant if you are wearing outer garments, yet most people wear underwear.


You must be a man. Some underwear is difficult to replicate with outerwear.

Victoria
by VictoriaF
Mon Sep 15, 2014 11:14 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 188
Views: 4795

Re: Tour travelling by bus

Any type of group travel caters to the actual or perceived common interests of the group. If you have unorthodox habits or interests, a group travel can be quite unpleasant. For example, most tours start very early, with breakfast at 7am and out of the door by 8:30. Rising early is fine if it's a pa...
by VictoriaF
Mon Sep 15, 2014 10:57 pm
 
Forum: Personal Consumer Issues
Topic: Tour travelling by bus
Replies: 22
Views: 1050

Re: OBi110 -or- Ooma Telo for home phone service?

Victoria, I currently use both Obi adapter and Ooma. Ooma: I bought the device when it first came out nearly 4 to 5 years back when it was a one time fee and no taxes. Now, we need to pay monthly taxes that total around $5. You can use any cordless phone connected to Ooma and you are set. As for Ob...
by VictoriaF
Mon Sep 15, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 18
Views: 466

Re: Lump Sum Offer

I'm purely speculating as to their reasons for now offering lump sum options, maybe they want to get the obligations off their books in advance of some business move - otherwise, why go through the exercise unless it benefits both parties in some way?... unless they are betting that people more des...
by VictoriaF
Mon Sep 15, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer
Replies: 12
Views: 967

Re: Why do so many think their home is a foolproof investmen

Only if you ignore the opportunity cost of tying up that capital in a home - how did the stock market do in that 30 year period? Thats a good point to keep in mind. Most people though, don't see renting as a viable alternative, I think. One does not have to do what most people do. Sometimes, doing ...
by VictoriaF
Mon Sep 15, 2014 8:13 pm
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 5915

Re: OBi110 -or- Ooma Telo for home phone service?

I use Obi100 (not Obi110) and quite like it. Just one tip though. If your Obi110 adapter goes offline too frequently (like once a day or more) even though your internet connection seems to be fine, follow the instructions in this Obitalk forum post and upgrade to the latest firmware. Thank you, whi...
by VictoriaF
Mon Sep 15, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 18
Views: 466

Re: Lump Sum Offer

If the lump sum converted to an annuity was more generous than the pension payments, would you take the lump sum and roll it over, if you were planning to work at least awhile before retirement? BFG Based on my limited experience, the lump sum is likely to be less generous than an annuity, and the ...
by VictoriaF
Mon Sep 15, 2014 8:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer
Replies: 12
Views: 967

Re: OBi110 -or- Ooma Telo for home phone service?

I've been using Obi110 for almost 3 yrs now and it has been working great for me. Google voice is now officially supported on Obi. If I remember correctly, you can easily find the installation guide and steps from the website/support forum of Obihai. They seem to be overwhelming at first but if you...
by VictoriaF
Mon Sep 15, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 18
Views: 466

Re: OBi110 -or- Ooma Telo for home phone service?

The Cisco VOIP telephone is effectively a telephone with the OBi functionality (telephone to web interface) built into the telephone. The Cisco phone would plug directly into the router or it may be possible to plug the phone into the modem and your pc into the phone if you do not otherwise need ro...
by VictoriaF
Mon Sep 15, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 18
Views: 466

Re: Lump Sum Offer

I am receiving a pension from a former employer, a large company. A few weeks ago, there was a discussion on the former employees' email list that the employer may offer a lump sum to replace the pensions. Most people have agreed that the employer wants to eliminate long-term obligations, that the l...
by VictoriaF
Mon Sep 15, 2014 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer
Replies: 12
Views: 967

Re: OBi110 -or- Ooma Telo for home phone service?

I have just ordered Obi 110 from Amazon. Is OBi Device Administration Guide (downloadable from http://www.obihai.com/docs-downloads ) an appropriate reference for installation, configuration and troubleshooting?

Victoria
by VictoriaF
Mon Sep 15, 2014 6:35 pm
 
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 18
Views: 466

Re: OBi110 -or- Ooma Telo for home phone service?

I have been using an Obi100 (older version of the 110) with a Google voice account over Comcast for the past 2 years. It has worked flawlessly. The only feature missing from a phone perspective is 911 capability, but I have a cell phone for that. Google voice allows free long-distance within US/Can...
by VictoriaF
Mon Sep 15, 2014 6:13 pm
 
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 18
Views: 466

Re: OBi110 -or- Ooma Telo for home phone service?

I use Comcast as well. As for using a phone. You just plug any phone into the Ooma Machine and it works. I use the Ooma Answering machine that is built into the unit. I have an old cordless telephone that I can try, but I really like the large display of the Cisco IP phone that I have at work. For ...
by VictoriaF
Mon Sep 15, 2014 5:41 pm
 
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 18
Views: 466

Re: OBi110 -or- Ooma Telo for home phone service?

I have only used and know about Ooma. But I have used Ooma for over 2 years and it has been flawless. I get free long distance to U.S. and Canada and Caller ID. I ported my old land line number over to Ooma for $30 and now the only phone bill I get is for $5 a month for taxes. Right now I don't hav...
by VictoriaF
Mon Sep 15, 2014 5:37 pm
 
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 18
Views: 466

OBi110 -or- Ooma Telo for home phone service?

I am moving to a new apartment and want to start using telephone over my Internet connection. The two top rated products on Amazon.com are: - Ooma Telo Free Home Phone Service, $140 - OBi110 Voice Service Bridge and VoIP Telephone Adapter, $46 Has anyone done a comparative analysis of these two prod...
by VictoriaF
Mon Sep 15, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 18
Views: 466

Re: Hamilton watches, worth the money?

I wonder what kind of watch Jack Bogle and Warren Buffett Wear. :confused :?: Do you think they share a watch? Victoria Some executives wear a watch on each wrist. It's an intriguing look, definitely a conversation starter, more so than for a no-name Hamilton brand on just one wrist. Perhaps these ...
by VictoriaF
Mon Sep 15, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 188
Views: 4795

Re: Hamilton watches, worth the money?

parsi1 wrote:I wonder what kind of watch Jack Bogle and Warren Buffett Wear. :confused :?:


Do you think they share a watch?

Victoria
by VictoriaF
Mon Sep 15, 2014 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 188
Views: 4795

Re: What's in your tax advantage accounts?

I don't see why it's such a bad idea to have a bond fund in a taxable account. I am a newbie investor so correct me if I'm wrong here...but it would seem like you would need a large amount of money in bonds in your taxable before it really affected anything too much. Lets say your dividend is 2.5% ...
by VictoriaF
Mon Sep 15, 2014 3:41 pm
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 28
Views: 1400

Re: Learning a NEW language - Foreign Service Inst

chaz wrote:
VictoriaF wrote:The elephant in the room: to get good in a language one should have a lover speaking that language. The OP needs an Israeli girlfriend.

Victoria

Very expensive alternative.


And yet, people choose this alternative for far less important reasons than learning Hebrew.

Victoria
by VictoriaF
Mon Sep 15, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Learning a NEW language - Foreign Service Inst
Replies: 37
Views: 2398

Re: Learning a NEW language - Foreign Service Inst

Seriously, VictoriaF, you are planning on the El Camino walk? The only Spanish I would need is " ¡Ayúdame!" and hope someone hears me! I was planning to go in April-May 2014, but did not retire in time. Now, it's April-May 2015. One reason for selecting el Camino as my first walk is that ...
by VictoriaF
Mon Sep 15, 2014 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Learning a NEW language - Foreign Service Inst
Replies: 37
Views: 2398

Re: What's in your tax advantage accounts?

I don't see why it's such a bad idea to have a bond fund in a taxable account. I am a newbie investor so correct me if I'm wrong here...but it would seem like you would need a large amount of money in bonds in your taxable before it really affected anything too much. Lets say your dividend is 2.5% ...
by VictoriaF
Mon Sep 15, 2014 3:02 pm
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 28
Views: 1400

Re: Learning a NEW language - Foreign Service Inst

Don't overlook your local library as a resource -- I managed to get from only a few words of Spanish to conversational and able to make reservations etc. over the telephone in five years without quitting my job or moving by taking a couple of evening classes at the local community college, but most...
by VictoriaF
Mon Sep 15, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Learning a NEW language - Foreign Service Inst
Replies: 37
Views: 2398

Re: Hamilton watches, worth the money?

I don't know about that. If all I knew about someone was that they wore a Patek Phillipe, I automatically mentally associate that person with virtues of taste and class (and wealth). Well, the taste and class sure fit me good, unfortunately not the last item. But with all due respect I think anyone...
by VictoriaF
Mon Sep 15, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 188
Views: 4795

Re: Hamilton watches, worth the money?

dgdevil wrote:I see a lot of women wearing men's watches, especially those with subdials. Equality on the wrist front is admirable.


I wear a black digital Casio watch without subdials. I don't consider it a "men's watch;" it's my watch.

Victoria
by VictoriaF
Mon Sep 15, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 188
Views: 4795

Re: BEWARE - PHONY IRS CALL FROM 202-750-1631

technovelist wrote:I'd rather get a call from a phony IRS than the real one, actually. :confused


I'd rather get a call from a pony than a phony. Unless it is a Trojan Pony.

Victoria
by VictoriaF
Mon Sep 15, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: BEWARE - Phony IRS call from 202-750-1631
Replies: 10
Views: 962

Re: Hamilton watches, worth the money?

Apart from keeping people protected from the elements, the main purpose of the attire is to signal one's position, interests, disinterests, conformity, idiosyncrasies, wealth, etc. And the signals must be congruent. Are you secretly Umberto Eco? :wink: I am secretly Nassim Taleb who is secretly Umb...
by VictoriaF
Mon Sep 15, 2014 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 188
Views: 4795

Re: Hamilton watches, worth the money?

On occasion, but less so now, I deal with "big time" people. Most have glittering watched that must be of the type you are talking about but maybe even more expensive. Usually I don't notice them because if somebody is in a suit and a long sleeved shirt, it might no even be visible. I hap...
by VictoriaF
Mon Sep 15, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 188
Views: 4795

Re: Learning a NEW language - Foreign Service Inst

The elephant in the room: to get good in a language one should have a lover speaking that language. The OP needs an Israeli girlfriend.

Victoria
by VictoriaF
Mon Sep 15, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Learning a NEW language - Foreign Service Inst
Replies: 37
Views: 2398

Re: Why do so many think their home is a foolproof investmen

An economist is someone who know the cost of everything and the value of nothing. Or so someone once said. :) To be fair, it was a cynic, not an economist, that Lord Darlington was describing. Interesting. I like economics and I like economists who write popular economics books. I am always surpris...
by VictoriaF
Mon Sep 15, 2014 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 5915

Re: What's in your tax advantage accounts?

My entire TSP account is invested in the G Fund. In Vanguard and Fidelity I have TIPS and International index. Recently, I bought some CDs in the Roth IRA at PenFed.

Victoria
by VictoriaF
Mon Sep 15, 2014 10:40 am
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 28
Views: 1400

Re: Key to happintess in retirement.

Walter Updegrave at Forbes had a somewhat similar set for keys to happiness in retirement: http://www.forbes.com/sites/nextavenue/2014/09/03/more-sex-and-3-other-tips-for-a-happier-retirement/ This is a good article with some less intuitive recommendations such as: * be "very satisfied with th...
by VictoriaF
Mon Sep 15, 2014 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Key to happiness in retirement
Replies: 30
Views: 2763

Re: Key to happintess in retirement.

This is somewhat disenchanting, from my standpoint. You only have so much control over your health - regardless of what you may believe. Genetics plays a huge role. The article is written around survey results. People are more likely to blame the circumstances beyond their control (genes, poor job ...
by VictoriaF
Mon Sep 15, 2014 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Key to happiness in retirement
Replies: 30
Views: 2763

Re: Why do so many think their home is a foolproof investmen

I am occasionally thinking of buying a condominium, but I am put off by the exorbitant current fees and no limit on the future fees. Someone will want to repaint the exterior, someone will propose to put new machines in the weight room, someone will insist on changing carpets in hallways--and every...
by VictoriaF
Mon Sep 15, 2014 8:45 am
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 5915

Re: Key to happintess in retirement.

Key to happiness in retirement is knowing what you want to do, and doing it. Retirement requires goals more, not less, than working career. During employment, the job puts firm structure on one's time, and leisure planning around the "obstacles" is straightforward. In retirement, one must ...
by VictoriaF
Mon Sep 15, 2014 8:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Key to happiness in retirement
Replies: 30
Views: 2763

Re: DINK 200K household income - ways to reduce taxable inco

The expense of children would offset any tax benefit you get from them. This. If you don't want children, don't have them. If you do, think long and hard about it. Another dink here, my colleagues right now are going through the high school stages and college is on the horizon; the costs are stagge...
by VictoriaF
Sun Sep 14, 2014 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: DINK 200K household income - ways to reduce taxable income?
Replies: 31
Views: 3274

Re: Why do so many think their home is a foolproof investmen

Is the only reasonable comparison for the financial prudence of buying a Ferrari the cost of leasing it? If you're comparing renting or buying a car then only like cars should be compared whether they're Chevys or Ferraris. That's the best idea I've seen yet to justify overspending - do you work fo...
by VictoriaF
Sun Sep 14, 2014 9:06 pm
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 5915

Re: Optimizing Lifetime Taxes Using Roth and Trad Accounts

If you are interested in optimizing your lifetime finances, income smoothing is more important than minimizing taxes. Check out ESPlanner, a software that helps with lifecycle modeling. I noticed that you contrast Roth IRA for those with low income and traditional IRA for those with higher income. A...
by VictoriaF
Sun Sep 14, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Optimizing Lifetime Taxes Using Roth and Trad Accounts
Replies: 12
Views: 783
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