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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: 47
Views: 4472

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: 4353

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: 1102

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: 1223

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: 1919

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: 4346

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: 3542

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: 10924

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: 10924

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: 10924

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: 10924

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: 10924

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: 10924

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: 8182

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: 1223

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: 3542

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: 10924

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: 1223

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: 1223

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: 3542

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: 1919

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: 1919

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: 3542

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: 10924

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: 3542

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: 10924

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: 3542

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: 3542

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: 3678

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: 3678

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: 3542

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: 3678

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: 3542

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: 77
Views: 3542

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: 77
Views: 3542

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: 77
Views: 3542

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: 36
Views: 1919

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: 36
Views: 3678

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: 36
Views: 3678

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: 77
Views: 3542

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: 36
Views: 3678

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: 219
Views: 7972

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: 219
Views: 7972

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: 51
Views: 6266

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: 219
Views: 7972

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: 36
Views: 1919

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: 33
Views: 1102

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: 15
Views: 1530

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: 6408

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: 33
Views: 1102
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