Search found 11850 matches

Return to advanced search

Re: rebalancing conundrum/paradox/irony

long story short: For years I've been 60/40, with 90%+ of all new contributions going to fixed income. This has worked because the stock market is going up 25% per year for the last five years, so my portfolio stays balanced. Really haven't had to rebalance at all during that period of time. But in...
by VictoriaF
Tue Sep 30, 2014 8:12 am
 
Forum: Investing - Theory, News & General
Topic: rebalancing conundrum/paradox/irony
Replies: 69
Views: 3724

Re: How can I stop feeling depressed about my finances?

I've read a paper about the Facebook depression . People report on Facebook the best parts of their lives. When you read about the best parts of many people's lives, you tend to think that everybody has a better life than you do. Understanding how Facebook works does not help dealing with the Facebo...
by VictoriaF
Tue Sep 30, 2014 7:45 am
 
Forum: Personal Consumer Issues
Topic: How can I stop feeling depressed about my finances?
Replies: 93
Views: 5779

Re: Roll Call for the Retirement Class of 2014!

Victoria! Congratulations! Take some down time and enjoy the transition. And although I agree there are many days that seem like Saturdays, some days have a Sunday feel instead. Wear sunscreen, and throw out the alarm clock. Remember the names of the people who've been your inspirations. Your name ...
by VictoriaF
Mon Sep 29, 2014 3:42 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 203
Views: 18728

Re: Roll Call for the Retirement Class of 2014!

Class of 2014 as of 29 September 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 J...
by VictoriaF
Mon Sep 29, 2014 3:27 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 203
Views: 18728

Re: Roll Call for the Retirement Class of 2014!

chaz wrote:Congrats on your retirement. Enjoy Windsor Castle.


Thank you, Chaz! I am enjoying everything. It's kind of silly but I feel like giggling all the time.

Victoria
by VictoriaF
Sat Sep 27, 2014 2:41 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 203
Views: 18728

Re: Roll Call for the Retirement Class of 2014!

Did Victoria pull the trigger? Yes, as far as we know Victoria is in the UK on her firs trip as a retiree . Lady Victoria is about to meet the Queen to explain everything about passive investing... Impressive! :wink: Happy retirement! It only happens once in a lifetime (well, usually)! Thank you fo...
by VictoriaF
Sat Sep 27, 2014 2:32 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 203
Views: 18728

Re: Roll Call for the Retirement Class of 2014!

Class of 2014 as of 27 September 2014: <-- replaced with a later list. ... 13 Sep - Wricha (59-60) <-- Congratulations 24 Sep - VictoriaF <-- Happy to join a distinguished group ... Currently, 49 class members. Do we get 50? If you don't see yourself on the list or your entry is incorrect, I'll add...
by VictoriaF
Sat Sep 27, 2014 2:26 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 203
Views: 18728

Re: how to prevent medical expense catastrophe?

Any ideas about how to protect oneself in advance against this kind of thing? Hi dodecahedron, Behavioral Economics started out with three heuristics and biases. One them is "availability bias," that is, a subconscious assumption that whatever is highly available to our imagination is hig...
by VictoriaF
Tue Sep 23, 2014 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7513

Re: Author Advice - Advantages/Disadvantages of Co-author

Can you directly work with the prospective co-author's agent, without making him a co-author?

Victoria
by VictoriaF
Tue Sep 23, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 18
Views: 967

Re: Why don't you do Financial Planning?

Your post would imply that only those that work on a fee only basis have the best interest of the client in mind and that anyone that receives or works on a commission basis does not, and that is just not reality. Fee only planners are not the saviors of good and objective financial advice. Of cour...
by VictoriaF
Tue Sep 23, 2014 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Why don't you do Financial Planning?
Replies: 41
Views: 3202

Re: Why don't you do Financial Planning?

I earn more in my field of expertise than I would if I became a financial planner. I also enjoy my profession more than I would enjoy dealing with customers. Some people here are volunteer tax preparers. I think it's called VITA. I have heard from a friend who's doing this about all kinds of unreaso...
by VictoriaF
Tue Sep 23, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Why don't you do Financial Planning?
Replies: 41
Views: 3202

Re: Author Advice - Advantages/Disadvantages of Co-author

I would use a co-author as the last resort. My concern is not as much the division of income as the coordination of topics, ideas and writing styles. I have published a dozen papers (not books). Only two of them were with co-authors and they are my least favorite.

Victoria
by VictoriaF
Tue Sep 23, 2014 5:20 pm
 
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 18
Views: 967

Re: No room on your Windows hard drive? Cleanup Update files

The other option is to use it for a block of metal. Are any of your tables, chairs, or bed sitting unevenly on the floor? Perhaps it can be used as a shim to level the furniture. That sort of thing. I will sleep on it. Let others stuff money into their mattresses. I will stuff mine with hard drives...
by VictoriaF
Tue Sep 23, 2014 5:08 pm
 
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 60
Views: 4593

Re: How to achieve a balance between "saving" and "living"?!

technovelist wrote:I wouldn't go into debt to buy a motorcycle when I already had one.

Actually, I wouldn't buy a motorcycle at all, knowing how hazardous they are. But they are fun!


If you buy a motorcycle you reduce your life expectancy and thus have a lower need for money. It's a win-win.

Victoria
by VictoriaF
Tue Sep 23, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 6532

Re: How to achieve a balance between "saving" and "living"?!

*comments like they don't see why one would get more enjoyment out of spending $X at 25 than 65...seriously? First, nobody made that comment. Second, seriously it is not obviously true that one will get more happiness from the same amount of money at 25 than at 65. Physical health is only one compo...
by VictoriaF
Tue Sep 23, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 6532

Re: No room on your Windows hard drive? Cleanup Update files

We took our last set of hard drives on a trip to our friends' cabin in the woods, where a favorite leisure activity is using them as targets for rifle and pistol practice. Lots of fun and mission accomplished! Do you have to remove hard drives from the enclosure before you target practice? If I cou...
by VictoriaF
Tue Sep 23, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 60
Views: 4593

Re: No room on your Windows hard drive? Cleanup Update files

I used a large screwdriver and a small Phillips screwdriver to take off the plastic enclosure. The enclosure was mostly a molded plastic with very tight seams. After I removed the enclosure (which took good two hours) I proceeded to the destruction of the disks. The disks were seemingly undestructi...
by VictoriaF
Tue Sep 23, 2014 2:43 pm
 
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 60
Views: 4593

Re: How to achieve a balance between "saving" and "living"?!

I personally used the http://www.esplanner.com software to plan "consumption smoothing." It's not a panacea, and it would be more useful to you if you were older, but take a look. There's a free version that you might find sufficiently informative. One thing: I err on the conservative sid...
by VictoriaF
Sat Sep 20, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 6532

Re: Improving the TSP [for current participants]

As far as I am concerned, if I can do in-plan Roth conversions, I will keep the funds in the TSP G-Fund indefinitely, and limited distribution options will become much less of a problem. Victoria The TSP requires RMD's from Roth accounts, so you can't keep all your TSP G-Fund indefinitely. For as l...
by VictoriaF
Sat Sep 20, 2014 12:28 pm
 
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 37
Views: 4383

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

Created a new google account with a voice number (I want to keep my real google account "clean"). I have a gmail address that I never use. Today, I picked a telephone number for Google voice, but have not associated it with OBi yet. Is there any advantage for me in creating still another ...
by VictoriaF
Thu Sep 18, 2014 11:13 pm
 
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 33
Views: 1130

Re: Pre-Retirement Tasks & Timeline

Lynette,

If it were easy someone would have already done it, wouldn't they? I am seeking revolutionary solutions to everyday problems.

Cheers,
Victoria
by VictoriaF
Thu Sep 18, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pre-Retirement Tasks & Timeline
Replies: 15
Views: 1242

Re: Tour travelling by bus

Phineas J. Whoopee wrote:
VictoriaF wrote:...
Now, I recognize you!

Victoria

Can it really be you, Soo-kyi? You said you were from Seoul, in the US on a grad student visa. What's with all the Cyrillic?
PJW


No, it's another me.

Victoria
by VictoriaF
Thu Sep 18, 2014 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Tour travelling by bus
Replies: 36
Views: 1940

Re: Retiree Next Door

As I said elsewhere, the new three-legged stool of retirement is social security, 401k/IRA and a paid off house. :sharebeer Ha! I thought that all one needed for retirement was a working younger spouse. Quite the opposite, if you find a much younger lady, you will never be able to retire. Livesoft ...
by VictoriaF
Thu Sep 18, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiree Next Door
Replies: 26
Views: 4400

Re: Financial Psychology - Mind Over Money

Just a thought....Financial advisors are human and have biases and emotions.The argument that they will not have any of the emotional problems managing your acct because it is not their personal money kind of bothers me.I would actually feel more emotion managing other peoples money. I would feel v...
by VictoriaF
Thu Sep 18, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 77
Views: 3602

Re: A 'really good book' you did NOT enjoy

Ok, I get it. However, for married people (like me), I'm not sure that would necessarily improve their love lives... I guess it depends on the marriage. As I mentioned a few posts earlier, I know some married couples that participate in book clubs and book discussions together. They don't look for ...
by VictoriaF
Thu Sep 18, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10981

Re: A 'really good book' you did NOT enjoy

Men do. And (sometimes) it improves their love life. Victoria How would a book club (sometimes) improve a man's love life? In the same way as reading Jane Austin on the Charles River would. Please see the entire referenced post. Victoria Do you mean this post? http://www.bogleheads.org/forum/viewto...
by VictoriaF
Thu Sep 18, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10981

Re: A 'really good book' you did NOT enjoy

At this rate could become a book club thread. Not really. Men are involved. Men never get involved in book clubs. Men do. And (sometimes) it improves their love life. Victoria No doubt it would improve their love life. Because most of the women I know who are in book clubs tell me hilarious stories...
by VictoriaF
Thu Sep 18, 2014 11:33 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10981

Re: A 'really good book' you did NOT enjoy

How about books that are enjoyable in that they expand your horizons but are really "tough sledding"? For me, Gödel, Escher, Bach tops the list. I had to have a room of total quiet in order to properly concentrate on it, and at 700 pages, never finished it. Thank you for reminding me abou...
by VictoriaF
Thu Sep 18, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10981

Re: A 'really good book' you did NOT enjoy

technovelist wrote:
VictoriaF wrote:Men do. And (sometimes) it improves their love life.

Victoria


How would a book club (sometimes) improve a man's love life?


In the same way as reading Jane Austin on the Charles River would. Please see the entire referenced post.

Victoria
by VictoriaF
Thu Sep 18, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10981

Re: A 'really good book' you did NOT enjoy

I used to teach sailing on the Charles River in Boston. I would always carry a copy of Moby Dick with me. I would take two students in the boat. Between the three of us, one would man the mainsail, one would man the jib, and the third would read random passages from Moby Dick as we pretended to cha...
by VictoriaF
Thu Sep 18, 2014 11:12 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10981

Re: Who else hates choosing a car?

I don't understand the concept of "boring" with respect to cars. .... Boredom is not even a part of my selection criteria. Victoria Hate to say it, but "it's a guy thing." =) Guys have their real wives, & sometimes a "work" wife. Well, I see my car as my "comm...
by VictoriaF
Thu Sep 18, 2014 8:42 am
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 95
Views: 8268

Re: Pre-Retirement Tasks & Timeline

The beauty of retirement is that one can get dental work done outside the U.S. at a much lower cost. It could turn into Dental Adventure Travel (DAT). You go to live in Mexico for a few weeks until your implant is done, then you move to Thailand for a few weeks to get the next implant, then to Indi...
by VictoriaF
Thu Sep 18, 2014 7:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Pre-Retirement Tasks & Timeline
Replies: 15
Views: 1242

Re: Financial Psychology - Mind Over Money

One can't diagnose one's own cognitive biases at the time when these biases are active and potentially damaging. One can't say "I am in the middle of anchoring thinking, please help me get off!" Once you name it, you don't need outside help. Well, I'm not sure that's true. I think one can...
by VictoriaF
Thu Sep 18, 2014 7:32 am
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 77
Views: 3602

Re: A 'really good book' you did NOT enjoy

I used to teach sailing on the Charles River in Boston. I would always carry a copy of Moby Dick with me. I would take two students in the boat. Between the three of us, one would man the mainsail, one would man the jib, and the third would read random passages from Moby Dick as we pretended to cha...
by VictoriaF
Thu Sep 18, 2014 7:31 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10981

Re: Pre-Retirement Tasks & Timeline

The beauty of retirement is that one can get dental work done outside the U.S. at a much lower cost. It could turn into Dental Adventure Travel (DAT). You go to live in Mexico for a few weeks until your implant is done, then you move to Thailand for a few weeks to get the next implant, then to India...
by VictoriaF
Thu Sep 18, 2014 7:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Pre-Retirement Tasks & Timeline
Replies: 15
Views: 1242

Re: Pre-Retirement Tasks & Timeline

I had a thread on this very topic. Check it out.

Victoria
by VictoriaF
Wed Sep 17, 2014 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pre-Retirement Tasks & Timeline
Replies: 15
Views: 1242

Re: Financial Psychology - Mind Over Money

The people over on the dark side of investing also have a blog category about it: http://www.alphaarchitect.com/category/turnkey-behavioral-finance/ jaab, Thank you for the link. Their business model is: We design robust algorithms that exploit mispricing caused by irrational investors. Someone (wh...
by VictoriaF
Wed Sep 17, 2014 9:47 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 77
Views: 3602

Re: Tour travelling by bus

... Do you use your repulsiveness skills with Green Tortoise? Victoria At first they weren't fully developed, so I ended up hanging out with a female person traveling alone, with whom my life goals were so thoroughly incompatible the hanging-out-ed-ness only extended to an email or two after we par...
by VictoriaF
Wed Sep 17, 2014 8:14 pm
 
Forum: Personal Consumer Issues
Topic: Tour travelling by bus
Replies: 36
Views: 1940

Re: Tour travelling by bus

My repulsiveness skills have reached peak efficiency. The menu isn't a reason to decide against traveling with them. Any reluctance to work together with whoever else booked the trip to achieve shared goals is one. I'll repeat, it isn't for everybody, but for those whom it is for it's just about th...
by VictoriaF
Wed Sep 17, 2014 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Tour travelling by bus
Replies: 36
Views: 1940

Re: Financial Psychology - Mind Over Money

One can't diagnose one's own cognitive biases at the time when these biases are active and potentially damaging. One can't say "I am in the middle of anchoring thinking, please help me get off!" Once you name it, you don't need outside help. Well, I'm not sure that's true. I think one can...
by VictoriaF
Wed Sep 17, 2014 7:31 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 77
Views: 3602

Re: A 'really good book' you did NOT enjoy

OK, I finished the first nine chapters of Pride and Prejudice. I'm trying very hard. I really am. But I don't know how much farther I will get. Your effort is duly noted. Plot synopsis so far: 1. A dizzying array of characters have been introduced- Tolstoy would have a hard time keeping track of wh...
by VictoriaF
Wed Sep 17, 2014 7:03 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10981

Re: Financial Psychology - Mind Over Money

I can already see our hostilities escalating into a full-blown flame war leading to LadyGeek banning both of us into nothingness. Victoria “Alone, I often fall down into nothingness. I must push my foot stealthily lest I should fall off the edge of the world into nothingness. I have to bang my head...
by VictoriaF
Wed Sep 17, 2014 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 77
Views: 3602

Re: A 'really good book' you did NOT enjoy

I used to teach sailing on the Charles River in Boston. I would always carry a copy of Moby Dick with me. I would take two students in the boat. Between the three of us, one would man the mainsail, one would man the jib, and the third would read random passages from Moby Dick as we pretended to cha...
by VictoriaF
Wed Sep 17, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10981

Re: Financial Psychology - Mind Over Money

One can almost predict one thousand, five hundred Bogleheads will weigh in from every conceivable perspective and the outcome will be that the reader will end up knowing enough about anchoring to write a PhD dissertation. To do a dissertation you need limited data about many people rather than a lo...
by VictoriaF
Wed Sep 17, 2014 8:13 am
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 77
Views: 3602

Re: Financial Psychology - Mind Over Money

But seriously, I realize the limitations of an online format especially when B-E is a side-issue, rather than a core Boglehead principle. BE is a core Bogleheads principle. On the risk side, the Bogleheads are reminded that they can be their own worst enemies. On the mitigation side, an IPS prepare...
by VictoriaF
Tue Sep 16, 2014 10:48 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 77
Views: 3602

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: ... * "satisfaction trailed ...
by VictoriaF
Tue Sep 16, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Key to happiness in retirement
Replies: 36
Views: 3717

Re: Key to happiness in retirement

Fallible,

I think we are mostly in agreement, even though our references and metaphors sometimes make our respective ideas seem different.

Victoria
by VictoriaF
Tue Sep 16, 2014 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Key to happiness in retirement
Replies: 36
Views: 3717

Re: Financial Psychology - Mind Over Money

I wrote a paper on the role of cognitive biases in cyber operations, in which i have a section on the mitigation. I have a draft copy of the journal, the official publication is coming shortly. After the paper has been accepted, I had some additional thoughts about mitigation of biases. I may write ...
by VictoriaF
Tue Sep 16, 2014 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 77
Views: 3602

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: 36
Views: 3717

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: 77
Views: 3602
Next

Return to advanced search