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Re: Being woken up by neighbors above me

In addition to already offered suggestions, I recommend that you enhance your sleep practice. For example, if you take morning and evening walks, you may sleep deeper and wake up earlier on your own accord.

Victoria
by VictoriaF
Wed Nov 26, 2014 2:15 pm
 
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 38
Views: 1047

Re: Why finance research is often wrong - the jelly bean pro

To test theory-driven hypotheses you have to make well-formulated predictions and then wait for the predictions to materialize. I disagree. One can create testable hypotheses about the past. Think of competing theory-based hypotheses about why dinosaurs no longer roam the earth. Some of those hypot...
by VictoriaF
Wed Nov 26, 2014 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 96
Views: 6946

Re: Why finance research is often wrong - the jelly bean pro

Protoganist FWIW, as I said I know many physicists and other scientists and mathematicians who would disagree with your conclusions and those of Victoria. Which is fine, people can disagree. Larry I know physicists, mathematicians and engineers who have left Bell Labs to work on Wall Street. Some o...
by VictoriaF
Wed Nov 26, 2014 11:56 am
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 96
Views: 6946

Re: Favorite nonfiction books

I have recently became interested in existentialism and may start reading existentialists. For now, I am reading about their ideas. Here are suggestions that a normal person can get through: Man's Search for Meaning by Victor Frankel is a good. It may be only book by an existentialist that is compr...
by VictoriaF
Wed Nov 26, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 50
Views: 2003

Re: Favorite TED Talks

atwood wrote:TED is very educated navel gazing. Do something rather than listening to what others purport to be doing.


TED presents "ideas worth spreading." Some of these ideas are worth spreading, indeed. And watching TED does not prevent one from doing other things.

Victoria
by VictoriaF
Wed Nov 26, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: Favorite TED Talks
Replies: 13
Views: 1117

Re: Why finance research is often wrong - the jelly bean pro

You can find problems in any field of research. Negligence and outright dishonesty may be caused by time constraints, pressure to publish, or financial motives. The difference between physical research and financial research is that with the physical research you can go back to analyze the hypothes...
by VictoriaF
Wed Nov 26, 2014 9:10 am
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 96
Views: 6946

Re: Investing in 100 Words

Read the Bogleheads Forum and Wiki. [6 words]

Victoria
by VictoriaF
Tue Nov 25, 2014 11:18 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in 100 Words
Replies: 15
Views: 1373

Re: What percent "Boglehead" are you?

Does Magic Eight Ball have the sense of humor?
Reply hazy, try again.

Do the mods have the sense of humor?
It is decidedly so.

Is using Magic Eight Ball funny?
Sorry, I don't know what is 0.

Victoria
by VictoriaF
Tue Nov 25, 2014 10:26 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 119
Views: 5967

Re: Why finance research is often wrong - the jelly bean pro

Please stay on-topic, which is the finance aspect of research. The problem is that finance research pretends to be a science research. And to prove it wrong we need to compare it to the real science research. Victoria And my post above was intended to show that "problems" in/with finance ...
by VictoriaF
Tue Nov 25, 2014 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 96
Views: 6946

Re: What percent "Boglehead" are you?

Let me cut to the chase:

Will S&P 500 increase tomorrow?
YES

Will S&P 500 decrease tomorrow?
Yes, Definitely

It's settled now.

Victoria
by VictoriaF
Tue Nov 25, 2014 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 119
Views: 5967

Re: Why finance research is often wrong - the jelly bean pro

Phineas J. Whoopee wrote:If you wish to continue, what I'm doing is rejecting the appeal to authority you've just used. I'm asking that the reasoning stand on its own.


Authorities are like jelly beans, you can find an authority supporting any opinion you may hold.

Victoria
by VictoriaF
Tue Nov 25, 2014 9:55 pm
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 96
Views: 6946

Re: Why finance research is often wrong - the jelly bean pro

LadyGeek wrote:Please stay on-topic, which is the finance aspect of research.


The problem is that finance research pretends to be a science research. And to prove it wrong we need to compare it to the real science research.

Victoria
by VictoriaF
Tue Nov 25, 2014 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 96
Views: 6946

Re: What percent "Boglehead" are you?

I'll play!

Am I a 100% Boglehead investor?
Yes, Definitely

Is tilting allowed?
Very doubtful

Is frugalguy a 100% Boglehead investor?
My sources say NO

Victoria
by VictoriaF
Tue Nov 25, 2014 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 119
Views: 5967

Re: Favorite nonfiction books

I have recently became interested in existentialism and may start reading existentialists. For now, I am reading about their ideas. I recommend From Shakespeare to Existentialism and Existentialism, Religion, and Death by Walter Kaufmann. Kaufmann is one of (if not the) foremost Nietzsche scholars,...
by VictoriaF
Tue Nov 25, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 50
Views: 2003

Re: Favorite nonfiction books

ThankYouJack, I think you might enjoy "Endurance" about the Shakleton expedition. It is hands down my favorite adventure book. I've read a lot of Stephen Pinker books over the years. "The Language Instinct" is a classic. Victoria, I also enjoy Nassim Taleb's books. I have to say...
by VictoriaF
Tue Nov 25, 2014 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 50
Views: 2003

Re: Favorite nonfiction books

I read mostly nonfiction and I like most of what I read. My all-time favorite is: The Black Swan by Nassim Nicolas Taleb. Other books that influenced and enriched me include: Predictably Irrational by Dan Ariely Thinking, Fast and Slow by Daniel Kahneman Stumbling on Happiness by Daniel Gilbert Man'...
by VictoriaF
Tue Nov 25, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 50
Views: 2003

Re: What Movie Have You Recently Watched?

Yesterday, I went to see Faces of Eastern Europe , 13 short films from 13 European Union countries presented at the Goethe Institute in D.C. All films were good, some were excellent. The ones that emotionally influenced me the most were Day after Day (Hungary, 2001) and Alexandria (Romania, 2007). D...
by VictoriaF
Tue Nov 25, 2014 10:04 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 222
Views: 18275

Re: Bumped out of first class at boarding - compensation?

You are bringing up a good point. If the seats were needed for pilots, who had to fly out from Hawaii immediately upon arrival of the OP's flight, the pilots' rest and comfort were needed for the safety of their flight, which is always a priority I don't think the pilots can count time spent flying...
by VictoriaF
Tue Nov 25, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 41
Views: 4053

Re: What do you splurge on?

I got some scary medical news. Immediately said I want to see the best Dr on the planet. The recommended Dr is out of network. I said book it anyway. Today I am traveling out of town so that an out of network Dr can perform surgery at an out of network hospital. This is the best way to splurge. Bes...
by VictoriaF
Mon Nov 24, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 145
Views: 8457

Re: What do you splurge on?

I got some scary medical news. Immediately said I want to see the best Dr on the planet. The recommended Dr is out of network. I said book it anyway. Today I am traveling out of town so that an out of network Dr can perform surgery at an out of network hospital. This is the best way to splurge. Bes...
by VictoriaF
Mon Nov 24, 2014 10:56 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 145
Views: 8457

Re: Purchasing power parity

And Charlotte has a very bad set of options, and it is arguable she chose the lesser of the evils before her. Elizabeth realizes this eventually, but the book does end with Charlotte pregnant with Mr. Collin's baby (so Austen reminds us just how bad that marriage option really was). To continue wit...
by VictoriaF
Mon Nov 24, 2014 9:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Jane Austen's Economics
Replies: 59
Views: 16245

Re: A Good Trip Overseas

If you haven't been to Europe, start with London. It's a beautiful city, the flights are cheaper than to other destinations, and people speak English.

Victoria
by VictoriaF
Sun Nov 23, 2014 11:05 pm
 
Forum: Personal Consumer Issues
Topic: A Good Trip Overseas
Replies: 17
Views: 1520

Re: Vanguard launches new offering ... [Vanguard merchandise

This thead contains so much fluff and all-around general puffery that - Yikes - is clear to me - the next merchandise launch will be - The Vanguard Bed Pillow! Deluxe (but Cheap) There is a fine line between tacky and funny. Vanguard may offer underwear with a banner "Life Strategy Growth.&quo...
by VictoriaF
Sun Nov 23, 2014 10:45 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 11167

Re: Life purpose revisited

I went to a Smithsonian lecture Pivotal Paintings in the History of Art . When reviewing Titian's Venus of Ubino , the professor noted that a little dog in the painting is a symbol of fidelity. Later, when discussing Édouard Manet's Olympia , which was inspired by Venus of Ubino , the professor sai...
by VictoriaF
Sun Nov 23, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 7559

Re: Freakonomics approach to 401(k) choices

I recently read Freakonomics by Steven Levitt and Stephen Dubner, and it has changed the outlook I have had on my investments. It's a great book. There are some others. Based on your interest, I specifically recommend Dan Ariely's "Predictably Irrational." The particular part of the book ...
by VictoriaF
Sun Nov 23, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Freakonomics approach to 401(k) choices
Replies: 27
Views: 2610

Re: Life purpose revisited

Burkeman advocates a "negative path" to happiness that involves "learning to enjoy uncertainty, embracing insecurity, stopping trying to think positively, becoming familiar with failure, even learning to value death" (pp. 7-8). Or, one can just get a kitten. I went to a Smithson...
by VictoriaF
Sun Nov 23, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 7559

Re: Vanguard launches new offering ... [Vanguard merchandise

Tacky. Really tacky. Coffee mugs, teeshirts, ballcaps are appropriate for some things. But a respected mutual funds brand? What does WSJ have to say about this? At first I thought this thread was some sort of practical joke, a hoax. Guess not. :shock: Since when was the WSJ the arbiter of all thing...
by VictoriaF
Sun Nov 23, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 11167

Re: Social Security 62 vs 66

If one was never counting on SS and it is not part of their retirement plan. Should they wait or take early payment? This is not enough information. It depends on marital status, expected returns of the portfolio, and life expectancy (of both spouses, if married). A more thorough analysis would als...
by VictoriaF
Sun Nov 23, 2014 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 58
Views: 4943

Re: Social Security 62 vs 66

Separately, one must also ask: if delaying social security is such a good investment (and on paper, it is), where is the catch? Bob K (bobcat2) posted several messages about this issue. A principal difference between Social Security and insurance companies is the lack of agility. When interest rate...
by VictoriaF
Sun Nov 23, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 58
Views: 4943

Re: What percent "Boglehead" are you?

TradingPlaces wrote:
Cosmo wrote:I am 50% Chech, 32.5% Boglehead, 12.5% Irish, 4% German and 1% Stupid.

Cosmo


Are you sure you are 50% Chech, and not Czech?


He's got 80% of letters right; thus he must be 80% Czech.

Victoria
by VictoriaF
Sun Nov 23, 2014 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 119
Views: 5967

Re: Aetna HDHP or GEHA HDHP (federal employee)

Thank you, Darin! By the way, my primary care physician is also at the GWU Medical Faculty Associates. $10 is the least of my concerns. What I don't want to do is to engage in still another research area. Right now, I am trying to learn about frequent travel awards, and it's taking far more of my ti...
by VictoriaF
Sun Nov 23, 2014 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Aetna HDHP or GEHA HDHP (federal employee)
Replies: 46
Views: 3064

Re: Life purpose revisited

The Boglehead approach to simplicity in finance and useful techniques for money management help bring "peace in the home." Not really. Consider threads on what various posters economize on and what they splurge on. Or threads on what people eat, such as fat-free vs. carb-free, or organic ...
by VictoriaF
Sun Nov 23, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 7559

Re: Bumped out of first class at boarding - compensation?

I am not a FF/contract expert but I disagree with this. I find it hard to believe that non-rev passengers have the right to bump anyone with a confirmed ticket from first class. A ticket purchased with miles is still a contract for first class. There is non-rev, meaning airline employees on vacatio...
by VictoriaF
Sun Nov 23, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 41
Views: 4053

Re: Life purpose revisited

Burkeman advocates a "negative path" to happiness that involves "learning to enjoy uncertainty, embracing insecurity, stopping trying to think positively, becoming familiar with failure, even learning to value death" (pp. 7-8). Or, one can just get a kitten. This reminds me of a...
by VictoriaF
Sun Nov 23, 2014 12:48 pm
 
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 7559

Re: Bumped out of first class at boarding - compensation?

I fly only occasionally and never first class, but I wonder why they would take your seats after they already issued the boarding passes? Shouldn't the people who didn't have boarding passes be the ones without seats? Is this because you bought your seats with frequent flyer miles, or some VIP bump...
by VictoriaF
Sun Nov 23, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 41
Views: 4053

Re: Life purpose revisited

The moments of greatest discontent or struggle in my life have typically led to the most rewarding transformations. I have been reading a lot about Buddhism lately and it has just reinforced my experience in this regard. I, too, have found that some of the greatest challenges in my life have produc...
by VictoriaF
Sun Nov 23, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 7559

Re: What percent "Boglehead" are you?

As the inventor of the secret index-finger shake, I am a titled Boglehead.

Victoria
by VictoriaF
Sun Nov 23, 2014 11:02 am
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 119
Views: 5967

Re: Aetna HDHP or GEHA HDHP (federal employee)

My organization actually doesn't buy into the checkbook. I'm wondering if I should just front the $10 yearly cost for access to see what it has to offer. Do it. It's only $10. Even if you decide it's not worth doing ever again, you will learn from it this one time. Hi Darin, I am trying to decide w...
by VictoriaF
Sun Nov 23, 2014 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Aetna HDHP or GEHA HDHP (federal employee)
Replies: 46
Views: 3064

Re: What do you splurge on?

...But my greatest "splurge" is not owning my home and thus not being burdened with its maintenance and repairs. Housing. We are two and a half people (and a puppy) living in a 3200 sq.ft home, most of which belongs to the puppy. On the futility of generalizing the "Bogleheads":...
by VictoriaF
Sun Nov 23, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 145
Views: 8457

Re: Vacation in France

4. You said, "Is there a way to open a single bank account linked to expenditures on different bonus-paying credit cards? I thought that I could do something like that with American Express," Well, I think what you are referring to are pre-paid programs like Amex BlueBird, Amex Serve, and...
by VictoriaF
Fri Nov 21, 2014 10:05 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 4999

Re: Vacation in France

Hi TradingPlaces, You have solved my problem! When I first read the WilliamPaid web site, including the FAQ, it appeared that they could only accommodate ACH. But then I discovered their Support site, and specifically, the response to the question How does my Landlord receive my payment? . It turns ...
by VictoriaF
Fri Nov 21, 2014 7:53 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 4999

Re: How much is saved by taking mass transit to work?

Additional considerations: 1. An 1-hr commute by public transport in a single vehicle is preferable to a 45-minute commute split among different vehicles such as changing trains, switching between trains and buses, etc. 2. If one is not assured to have a seat in public transport, the trip time is wa...
by VictoriaF
Fri Nov 21, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 3414

Re: Vacation in France

Hi Victoria, ok, so if I understand, you would like to manufacture the spend for sign-on bonuses. I think that is a valid reason. For charging your rent to credit card, there are several solutions that I am aware of. Some of them require you to pay credit card processing fees. This technically won'...
by VictoriaF
Fri Nov 21, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 4999

Re: What do you splurge on?

Travel. Organic groceries. Books. Educational and cultural events, entertainment.

But my greatest "splurge" is not owning my home and thus not being burdened with its maintenance and repairs.

Victoria
by VictoriaF
Fri Nov 21, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 145
Views: 8457

Re: Vacation in France

TradingPlaces, This is fantastic information. Thank you very much! It will take me some time to process it and I will return with additional questions. But here is the main issue that I am trying to resolve. My main interest, for now, is to get miles for 3-4 annual trips to Europe in the Economy cla...
by VictoriaF
Fri Nov 21, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 4999

Re: Europe off-season (late Jan), 11 days, $3K budget

You can go to Moscow. Ruble is down and Aeroflot is cheap. Victoria Temperatures could be down also in late January... Dear Gawd. Moscow and St. Petersburg in January. My partner found Moscow to be cold, dark and depressing and that was on a fairly ordinary January not a bad one. If we have a bad w...
by VictoriaF
Fri Nov 21, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: Europe off-season (late Jan), 11 days, $3K budget
Replies: 19
Views: 1448

Re: Side jobs or hobbies that make you money

Oldest profession. Victoria A bit dangerous as an occupation, not to mention illegal, and the pay is not very good for men ;) Lesson learned for men: Don't charge by the minute. Actually, I had a side job a few weeks ago paid by the hour... No, not what you're thinking (I wish!)... Expert witness, ...
by VictoriaF
Fri Nov 21, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 125
Views: 17148

Re: Roll Call for the Retirement Class of 2014!

+1. October 21. Do not miss clinical dentistry so much but really miss my patients and the relationships I have developed over 35 years. I also miss my assistant of 18 years and my hygienist of 7 years. But I am really enjoying myself while trying to find the rhythm of the beat. Congratulations, sm...
by VictoriaF
Fri Nov 21, 2014 2:34 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 240
Views: 23241

Re: Why finance research is often wrong - the jelly bean pro

I certainly wasn't admonishing Victoria, just suggesting that you can become so skeptical (perhaps because you have what I would call a "religious" belief in some theory or concept) that you don't believe anything that doesn't agree with your current view. I believe that there are many wh...
by VictoriaF
Fri Nov 21, 2014 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 96
Views: 6946
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