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Re: Free book

hers one that might be interesting to some http://www.amazon.com/World-Financial-Markets-2011-ebook/dp/B00BFWAE8U/ref=sr_1_53?s=digital-text&ie=UTF8&qid=1369358309&sr=1-53 an entire year 2011 World Financial Markets in 2011: The trading, the players and the stories behind a year in the ...
by VictoriaF
Thu May 23, 2013 9:23 pm
 
Forum: Personal Consumer Issues
Topic: Free Books
Replies: 16
Views: 397

Re: Long Distance Walking

I have resurrected this thread because I want to do a long-distance walk next year. Right now, my first choice is Camino de Santiago, but I am interested in exploring other options.

Victoria
by VictoriaF
Thu May 23, 2013 9:05 pm
 
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 40
Views: 4319

Re: Runners Knee...new shoes, orthodics, what?

Free on Kindle today: Barefoot Running - Tips on Technique, Avoiding Injuries, Barefoot Shoes, Training and More. May not be free tomorrow {knowing smile}.

Victoria
by VictoriaF
Thu May 23, 2013 10:01 am
 
Forum: Personal Consumer Issues
Topic: Runners Knee...new shoes, orthodics, what?
Replies: 47
Views: 1464

Re: Long Distance Walking

Has anyone done long distance walking last year or is planning it for this summer?

Victoria
by VictoriaF
Thu May 23, 2013 7:46 am
 
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 40
Views: 4319

Re: Where did my topic go?

frugaltype wrote:
The Wizard wrote:All that stuff got lost in yesterday's outage.
Read MINGSTAR's thread...


How do we find that


It's here.

Victoria
by VictoriaF
Wed May 22, 2013 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where did my topic go?
Replies: 11
Views: 619

Re: Runners Knee...new shoes, orthodics, what?

How did people run before modern shoes became available?

Victoria
by VictoriaF
Wed May 22, 2013 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Runners Knee...new shoes, orthodics, what?
Replies: 47
Views: 1464

Re: Where did my topic go?

Here is a cache of your old thread: http://webcache.googleusercontent.com/search?q=cache:HY4IVwRV-EsJ:www.bogleheads.org/forum/viewtopic.php%3Ff%3D1%26t%3D116728%26p%3D1700958+&cd=2&hl=en&ct=clnk&gl=us The OP can manually cut and paste from the cache into this thread to preserve the...
by VictoriaF
Wed May 22, 2013 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where did my topic go?
Replies: 11
Views: 619

Re: Inverse DCA vs. Lump Sum

Victoria, You should resist the urge to tinker and tamper with your portfolio and IPS. Let me suggest Sudoku. The mathematics is interesting, the puzzles are fun, and the complexity is up to you. Or, genealogy. A potentially infinite jigsaw puzzle. I indulge in both. The idea that you should DCA ou...
by VictoriaF
Wed May 22, 2013 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: Inverse DCA vs. Lump Sum
Replies: 23
Views: 1214

Re: I really hope people aren't tilting US due to recency

Valuethinker wrote:
The Wizard wrote:
lwfitzge wrote:where's the projections of Danish tulips? I hear they may be big again :)

Dutch, not Danish...


Danish hogs ;-). Lester Nessman would have been Danish.


Hamlet was Danish. He was the one who asked, "To bet or not to bet?"

Victoria
by VictoriaF
Wed May 22, 2013 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: I really hope people aren't tilting US due to recency
Replies: 36
Views: 2118

Re: Airfare keeps going up. Buy now or wait?



This is a very useful link. Thanks!

Victoria
by VictoriaF
Fri May 17, 2013 9:44 am
 
Forum: Personal Consumer Issues
Topic: Airfare keeps going up. Buy now or wait?
Replies: 38
Views: 1742

Re: Airfare keeps going up. Buy now or wait?

Victoria - I'm a strong believer that the process of purchasing airline tickets is currently broken and is a field ripe for disruption in the coming years. How about a site that lets you DCA into airfares? air-minimize-regret.com ? :D With airfares, a lump sum (LS) approach would work better--just ...
by VictoriaF
Fri May 17, 2013 9:41 am
 
Forum: Personal Consumer Issues
Topic: Airfare keeps going up. Buy now or wait?
Replies: 38
Views: 1742

Re: Airfare keeps going up. Buy now or wait?

Victoria - I'm a strong believer that the process of purchasing airline tickets is currently broken and is a field ripe for disruption in the coming years. How about a site that lets you DCA into airfares? air-minimize-regret.com ? :D With airfares, a lump sum (LS) approach would work better--just ...
by VictoriaF
Fri May 17, 2013 8:06 am
 
Forum: Personal Consumer Issues
Topic: Airfare keeps going up. Buy now or wait?
Replies: 38
Views: 1742

Re: boglehead chapter

Several people from Maryland come to the D.C. meetings. There is one coming up this Sunday, 19 May 2013,

Victoria
by VictoriaF
Thu May 16, 2013 3:00 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Baltimore MD boglehead chapter?
Replies: 2
Views: 109

Re: Airfare keeps going up. Buy now or wait?

jon-nyc wrote:Have you checked the premiums on the June calls?


Please explain. How can I check them? What would the data mean?

Victoria
by VictoriaF
Thu May 16, 2013 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Airfare keeps going up. Buy now or wait?
Replies: 38
Views: 1742

Re: Airfare keeps going up. Buy now or wait?

Try pricing out flights into another city and connecting to Vienna either by a low cost carrier or by rail. Thank you. I would do it if the price were my major concern. But then I could also take less convenient flights and save several hundred dollars. My main problem is that I got used to $1,850 ...
by VictoriaF
Thu May 16, 2013 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Airfare keeps going up. Buy now or wait?
Replies: 38
Views: 1742

Re: Inverse DCA vs. Lump Sum

When you cross a busy street because you want to get to the other side, do you ever deliberately walk slowly because you think that if you take longer to cross you'll improve your outcomes? Crossing a busy street slowly never improves outcomes. A better analogy is choice between taking an expresswa...
by VictoriaF
Thu May 16, 2013 2:09 pm
 
Forum: Investing - Theory, News & General
Topic: Inverse DCA vs. Lump Sum
Replies: 23
Views: 1214

Re: Inverse DCA vs. Lump Sum

When you cross a busy street because you want to get to the other side, do you ever deliberately walk slowly because you think that if you take longer to cross you'll improve your outcomes? Crossing a busy street slowly never improves outcomes. A better analogy is choice between taking an expresswa...
by VictoriaF
Thu May 16, 2013 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: Inverse DCA vs. Lump Sum
Replies: 23
Views: 1214

Re: Airfare keeps going up. Buy now or wait?

ILnative wrote:Been there - I feel your pain. I think reality is that fares to Europe in high season are not going to go down at this point. I would buy it and forget about it and focus on what a great trip you will have!


ILnative, thank you! You provided a type of a response I am looking for,

Victoria
by VictoriaF
Thu May 16, 2013 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Airfare keeps going up. Buy now or wait?
Replies: 38
Views: 1742

Re: Airfare keeps going up. Buy now or wait?

wilpat wrote:I know this doesn't help you make a decision, but I have no objective answer to your question. :happy


wilpat, thank you for a great story. But can you say either "buy now" or "buy later" to start this wisdom of a crowd thing?

Victoria
by VictoriaF
Thu May 16, 2013 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Airfare keeps going up. Buy now or wait?
Replies: 38
Views: 1742

Re: Saying Thanks...

bobcat2 wrote:When I search for the user name EDN nothing comes up. What am I missing?

BobK


I have just checked it. Messages by EDN exist, but the poster does not.

Victoria
by VictoriaF
Thu May 16, 2013 12:04 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Saying Thanks...
Replies: 12
Views: 1140

Airfare keeps going up. Buy now or wait?

I will be flying from D.C. to Vienna in late July. Last September my preferred itinerary on United Airlines was available for $1,500. I could not commit at the time and decided to wait. Once I have learned that I could make the trip, I started checking the prices. Up until a few days ago, I could ha...
by VictoriaF
Thu May 16, 2013 11:05 am
 
Forum: Personal Consumer Issues
Topic: Airfare keeps going up. Buy now or wait?
Replies: 38
Views: 1742

Re: more great service from Treasury Direct!

nisiprius wrote:Any idea why my TD registration will not "take?"


Your computer generates imitation pixels.

Victoria
by VictoriaF
Wed May 15, 2013 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: more great service from Treasury Direct!
Replies: 71
Views: 6458

Re: Inverse DCA vs. Lump Sum

If you AA is off 4.5% and this is a rebalancing exercise, rebalance. Essentially, on this rebalance you are taking equites to target and reducing the duration of your bond portfolio. IMHO, the only "gamble" you are taking is the reduction in duration. I guess the real question is what you...
by VictoriaF
Wed May 15, 2013 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Inverse DCA vs. Lump Sum
Replies: 23
Views: 1214

Re: Inverse DCA vs. Lump Sum

Thank you, Michael, I will check it out,

Victoria
by VictoriaF
Wed May 15, 2013 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: Inverse DCA vs. Lump Sum
Replies: 23
Views: 1214

Re: Inverse DCA vs. Lump Sum

#1 seems like a good reason to just LS #2 and #3 seem like market timing that may or my not pay off. In that case, there is no telling if DCA or LS would be better. If you are only talking about 4.5% of your portfolio, I don't think it will matter much what you do. Exactly. Given that 4.5% is not g...
by VictoriaF
Wed May 15, 2013 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: Inverse DCA vs. Lump Sum
Replies: 23
Views: 1214

Re: Inverse DCA vs. Lump Sum

I think it depends on why you are changing your AA. 1. AA is much too aggressive, then LS. 2. Want to change AA due to glide slope, then DCA. Maybe there are some other scenarios. I am reallocating the funds for three reasons: 1. My AA is about 4.5% off. 2. The equity markets are rather high. 3. I'...
by VictoriaF
Wed May 15, 2013 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: Inverse DCA vs. Lump Sum
Replies: 23
Views: 1214

Re: BOGLEHEADS 12 ANNOUNCEMENT

Has the possibility of adding breakout sessions around certain topics to the Bogleheads conference ever been considered? At other conferences which I have attended, I've found these sessions to be very useful and informative venues for sharing knowledge. Thank you to the organizers for coordinating...
by VictoriaF
Wed May 15, 2013 10:55 am
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 12 ANNOUNCEMENT
Replies: 44
Views: 8426

Re: Your biggest work victory?

I'd like to distinguish three types of victories: 1. A victory for one's organization. 2. A victory in one's job. 3. A victory in the context of one's career. Looking back, my greatest "victory" was in the 3rd context when I was hired by Bell Labs. Many of my type-1 and type-2 victories ar...
by VictoriaF
Wed May 15, 2013 10:48 am
 
Forum: Personal Consumer Issues
Topic: Your biggest work victory?
Replies: 34
Views: 2574

Re: How to Worry Less About Money

I noticed that the book is published by The School of Life (London), which was founded by Alain de Botton, the author of How Proust Can Change Your Life . de Botton and his school are aiming to relate philosophy, psychology and related disciplines to the every-day decision-making without dumbing the...
by VictoriaF
Wed May 15, 2013 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: How to Worry Less About Money
Replies: 2
Views: 1627

Inverse DCA vs. Lump Sum

A common question is: If I have some money to invest, what is better: to invest it as a lump sum (LS) or to do Dollar Cost Averaging (DCA)? - The response is usually "LS is better on the long run, but DCA helps with psychological quirks." When the goal is inverse of the above, is the logic...
by VictoriaF
Wed May 15, 2013 10:35 am
 
Forum: Investing - Theory, News & General
Topic: Inverse DCA vs. Lump Sum
Replies: 23
Views: 1214

Re: Thanks, Bogleheads, from Bogle

Thank you, Jack, for taking time to respond to us. Looking forward to your wealth-enhancing, thought-provoking and rabble-rousing discussions and opinions at BH12,

Victoria
by VictoriaF
Mon May 13, 2013 11:04 am
 
Forum: Investing - Theory, News & General
Topic: THANKS, BOGLEHEADS, FROM JACK BOGLE
Replies: 39
Views: 4841

Re: Facebook Phishing Attempt

I received this email this morning (or last night). From: Facebook Security Subject: Warning!! Your Facebook account will be suspended soon! ... (Note: I'm not on Facebook.) Based on several grammatical errors ("there is not a single user that logs into your account, and for this the must"...
by VictoriaF
Sun May 12, 2013 7:04 pm
 
Forum: Personal Consumer Issues
Topic: Facebook Phishing Attempt
Replies: 9
Views: 540

Re: Obtaining university scholarship(s)

The most elite schools, such as the Ivy League, do not give academic scholarships (that is, scholarships based on academics rather than need). Lower ranked schools do. Their goal is to attract students who would otherwise go to the most elite schools. The student then faces the choice of paying ful...
by VictoriaF
Sun May 12, 2013 6:55 pm
 
Forum: Personal Consumer Issues
Topic: Obtaining University Scholarship(s)
Replies: 54
Views: 1937

Re: Obtaining university scholarship(s)

Our family's approach was to study like crazy for the PSAT. This was some years ago, but at the time, you only got one shot at it (whereas you can take the SAT over and over), and it plays a big role in determining whether you get National Merit or not. I agree about PSATs. To add: Universities see...
by VictoriaF
Sun May 12, 2013 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Obtaining University Scholarship(s)
Replies: 54
Views: 1937

Re: How much money do you need to retire at 40?

Are you suggesting a 100/0 (stocks/fixed income) portfolio for the duration of retirement? Yes, 100/0 but not spending capital. The origin of this was considering what was right for me when planning for 50 years. Along the way I came to the conclusion that the best that could be achieved (in terms ...
by VictoriaF
Sun May 12, 2013 6:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much money do you need to retire at 40?
Replies: 90
Views: 12401

Re: Pat Hume, Frames of Reference video

This was the first time I've seen the video, and I am very impressed. Illuminating experiments, clear explanations, a lot of repetition while slowly adding nuances and more complex concepts. The last one is particularly appealing; today the public is seeking distilled essence not realizing that deep...
by VictoriaF
Sun May 12, 2013 8:57 am
 
Forum: Personal Consumer Issues
Topic: Pat Hume, Frames of Reference video
Replies: 2
Views: 223

Re: tax friendly states for retirees

while NYS taxes IRA withdrawals at 8% but with a $40,000 deduction. Neurosphere, Are you sure on that? I thought it was 20K. I believe it's $20,000 per person. My example was for a married couple. Is this $20k/$40k deduction for using IRA withdrawals for living expenses only? Or it would also apply...
by VictoriaF
Sun May 12, 2013 8:33 am
 
Forum: Personal Finance (Not Investing)
Topic: tax friendly states for retirees
Replies: 95
Views: 5664

Re: How much money do you need to retire at 40?

100% equities generates highest return, but is only safe if you avoid running down capital. Compared to a less aggressive allocation that is run down, I believe the safety from not running down capital outweighs the risk of extra volatility, while providing similar, perhaps slightly higher income. ...
by VictoriaF
Sun May 12, 2013 8:09 am
 
Forum: Investing - Help with Personal Investments
Topic: How much money do you need to retire at 40?
Replies: 90
Views: 12401

Re: Billionaires Dumping Stocks, Economist Knows Why - Money

Billionaires reputed to be Dumping Stocks, practitioner of the "dismal science" claims to know why. There...who likes that version better? Inserting "an," as in "an economist knows why," would remove the ambiguity. But why seek simple disambiguation when economics stri...
by VictoriaF
Sun May 12, 2013 7:49 am
 
Forum: Investing - Theory, News & General
Topic: Billionaires Dumping Stocks, Economist Knows Why - Moneynews
Replies: 22
Views: 3033

Re: Moving into a 400 s.f. condo?

Based on the price alone, the current apartment at $1,000/month seems cheap enough not to rush into buying a condominium. Does the condominium come with a free parking? Is it possible to live in it without having a car at all? Is there difference in the transportation access between the current apar...
by VictoriaF
Sat May 11, 2013 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Moving into a 400 s.f. condo?
Replies: 16
Views: 1910

Re: Billionaires Dumping Stocks, Economist Knows Why - Money

The title of the thread is misleading. It implies that The Economist (a reputable publication) is behind this nonsense.

Victoria
by VictoriaF
Sat May 11, 2013 8:19 pm
 
Forum: Investing - Theory, News & General
Topic: Billionaires Dumping Stocks, Economist Knows Why - Moneynews
Replies: 22
Views: 3033

Re: Books that have actually changed your life, in a way.

One Day in the Life of Ivan Denisovich , by Solzhenitsyn - this is the only book I have re-read more than 30 times This book has definitely changed my outlook on life. It was my first exposure to the atrocities of the Soviet life from which I had largely been sheltered. Perhaps, One Day in the Life...
by VictoriaF
Sat May 11, 2013 7:48 am
 
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 149
Views: 8732

Re: How Much Did You Spend on Your Engagement Ring??

People with real money don't act that way. The long-time owner of a beach property (that zillow estimated at $6 million dollars) came by to do some yard work while we were staying there. He drove a POS old pickup, dressed poorly and did a bunch of sweaty yard work mowing and trimming. Afterwards he...
by VictoriaF
Fri May 10, 2013 4:04 pm
 
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 252
Views: 9782

Re: How Much Did You Spend on Your Engagement Ring??

Just to clarify, I'm not suggesting that everybody or even a large fraction of men should spend $10K on a wedding ring. I also don't think most women expect it. But this guy is obviously not everybody. He makes $270K a year and seems to be image consious and is concerned about the expectations of h...
by VictoriaF
Fri May 10, 2013 3:15 pm
 
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 252
Views: 9782

Re: Renting - The Boglehead Way

I have been a lifelong renter. Except for one year, I have never carried renter insurance. I guess you can say I self-insure. Alternatively, you took unnecessary risk but the risk has not materialized (yet). Victoria If I may engage in level-two thinking as Larry espouses: unless one has virtually ...
by VictoriaF
Fri May 10, 2013 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 39
Views: 3420

Re: For those who started late.. how did you save for colleg

Instead of reviving the tired "help/no help for the kid's college" or the closely associated selective/Ivy/StateU debate, why don't we stick to OP's question? I don't remember all the debates, but I do know that the top 3-4 schools (Harvard, Princeton, Stanford, Yale) provide much better ...
by VictoriaF
Fri May 10, 2013 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: For those who started late.. how did you save for college??
Replies: 26
Views: 2052

Re: Renting - The Boglehead Way

gkaplan wrote:I have been a lifelong renter. Except for one year, I have never carried renter insurance. I guess you can say I self-insure.


Alternatively, you took unnecessary risk but the risk has not materialized (yet).

Victoria
by VictoriaF
Fri May 10, 2013 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 39
Views: 3420
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