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Re: The bear market is over

William Million wrote:pretty good call


Reviving this thread is a good call but a bad omen.

Victoria
by VictoriaF
Mon Dec 22, 2014 8:06 am
 
Forum: Investing - Theory, News & General
Topic: The bear market is over
Replies: 235
Views: 66672

Re: Using balanced funds to avoid rebalancing

cfs wrote:
Calm Man wrote:. . . At least one person read my post. . .

At least TWO.

By now, it's a bestseller.

Victoria
by VictoriaF
Mon Dec 22, 2014 7:48 am
 
Forum: Investing - Theory, News & General
Topic: Using balanced funds to avoid rebalancing
Replies: 30
Views: 2055

Re: How to pay to a non-business in the UK?

Why not use an alternate card for awhile and make a new "travel" report for the card with the overseas transaction involved so that the charge and go through when it's attempted again? You mean, I should call my card and tell them that I am traveling to the UK, even if I am physically sta...
by VictoriaF
Sun Dec 21, 2014 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay to a non-business in the UK?
Replies: 6
Views: 446

Re: How to pay to a non-business in the UK?

The last time, the person has given me two additional options: to pay by PayPal or to do a bank-to-bank transfer. It is very simple using Paypal. You yourself do not even have to have a Paypal account. Usually, when I pay via PayPal, the vendor sends me a link, or I click on a link on their web sit...
by VictoriaF
Sun Dec 21, 2014 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay to a non-business in the UK?
Replies: 6
Views: 446

Re: Using balanced funds to avoid rebalancing

Practically, I believe that people can manage this going forward by simply directing new contributions towards the underrepresented asset class. Or for those who are depleting their portfolio, by withdrawing from the under represented class. You probably meant to write "Or for those who are de...
by VictoriaF
Sun Dec 21, 2014 5:33 pm
 
Forum: Investing - Theory, News & General
Topic: Using balanced funds to avoid rebalancing
Replies: 30
Views: 2055

Re: How do you define "being rich"?

Simple answer:
One comma - poor
Two commas - average
Three commas - rich

Victoria
by VictoriaF
Sun Dec 21, 2014 5:20 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 122
Views: 7288

Re: How do you define "being rich"?

One way to define "rich" is by anchoring on those who are above you in wealth.
Another way is to see how far you have come from where you started.

Victoria
by VictoriaF
Sun Dec 21, 2014 12:41 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 122
Views: 7288

Re: What makes you happy?

Passing tests.

Victoria
by VictoriaF
Sun Dec 21, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: What makes you happy in life?
Replies: 29
Views: 2038

Re: How to pay to a non-business in the UK?

Does the global non-profit have a presence in the US or a website through which donations could be made? The organization has a large presence in the US, but the billing systems are different for the US, the UK, and the International body. Are the pending credit card charges disappearing due to the...
by VictoriaF
Sun Dec 21, 2014 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: How to pay to a non-business in the UK?
Replies: 6
Views: 446

How to pay to a non-business in the UK?

In late September I was in the UK, where I paid about £160 with my credit card. The payment was to a global non-profit organization to which I belong, for the expenses I have incurred. The person who has accepted my payment asked if it were OK if she ran my card several days later, after the confere...
by VictoriaF
Sun Dec 21, 2014 8:22 am
 
Forum: Personal Finance (Not Investing)
Topic: How to pay to a non-business in the UK?
Replies: 6
Views: 446

Re: How do you define "being rich"?

For me, not having to labor for pay to adequately meet one's needs and wants cover's the rich definition nicely. If one's wants are greater than one's means, then one should not consider oneself rich ( although others may do so ). In other words, to be( feel ) truly rich one must at a minimum be sa...
by VictoriaF
Sun Dec 21, 2014 8:05 am
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 122
Views: 7288

Re: husband with bi-polar condition spending lots of $

[OT comment removed by admin LadyGeek]

Victoria
by VictoriaF
Sat Dec 20, 2014 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: husband with bi-polar condition spending lots of $
Replies: 18
Views: 3534

Re: How do you define "being rich"?

For me, not having to labor for pay to adequately meet one's needs and wants cover's the rich definition nicely. If one's wants are greater than one's means, then one should not consider oneself rich ( although others may do so ). In other words, to be( feel ) truly rich one must at a minimum be sa...
by VictoriaF
Sat Dec 20, 2014 6:20 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 122
Views: 7288

Re: How do you define "being rich"?

cheese_breath wrote:
VictoriaF wrote:
cheese_breath wrote:Rich is like pornography. You can't define it, but you'll know it when you see it.


That makes the Bogleheads Forum a red-light district.

Victoria

So all the yield discussions are naughty?


Both pornography and investing are risky behaviors measured by deviation.

Victoria
by VictoriaF
Sat Dec 20, 2014 5:41 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 122
Views: 7288

Re: How do you define "being rich"?

cheese_breath wrote:Rich is like pornography. You can't define it, but you'll know it when you see it.


That makes the Bogleheads Forum a red-light district.

Victoria
by VictoriaF
Sat Dec 20, 2014 5:09 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 122
Views: 7288

Re: How do you define "being rich"?

DonCamillo wrote:Unless you are Bill Gates, Carlos Slim, or Warren Buffet, rich is someone who has at least one more digit in their net worth than you do.


Rich is someone who has at least one more comma in their net worth than you do.

Victoria
by VictoriaF
Sat Dec 20, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 122
Views: 7288

Re: WHY is retirement enjoyable / something to look forward

I think it is relevant to ask what % of people would continue to work / stay in their current job if they were financially independent. My guess the percentage would not be very high. Many people are financially independent objectively, but don't feel financially independent subjectively. Also, don...
by VictoriaF
Sat Dec 20, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 145
Views: 9061

Re: How do you define "being rich"?

The question How do you define "being rich"? requires a taxonomy : 1. Does "you" refer to a particular responder, or to a representative Boglehead? - Or is it a more general "you," such as a U.S. citizen; or any human, living or dead? 2. Is the question about one feelin...
by VictoriaF
Sat Dec 20, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 122
Views: 7288

Re: How do you define "being rich"?

Obviously, compared to a large part of the world, anyone who is not worried about getting his next meal, having shelter from the wet and cold, getting medical care when needed, etc. is rich, but I don't think that's the context in which OP asked the question. My personal taxonomy: Wealthy have at l...
by VictoriaF
Sat Dec 20, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 122
Views: 7288

Re: How do you define "being rich"?

In the US the median income is around $50,000 also that is an income at which most people are pretty satisfied, according to things like: http://business.time.com/2012/04/19/why-50000-may-be-the-new-happiness-tipping-point/ Assuming a 3-4% withdrawal rate is sustainable, would mean about $1.2 to $1...
by VictoriaF
Sat Dec 20, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 122
Views: 7288

Re: How do you define "being rich"?

In the US the median income is around $50,000 also that is an income at which most people are pretty satisfied, according to things like: http://business.time.com/2012/04/19/why-50000-may-be-the-new-happiness-tipping-point/ Assuming a 3-4% withdrawal rate is sustainable, would mean about $1.2 to $1...
by VictoriaF
Sat Dec 20, 2014 12:39 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 122
Views: 7288

Re: How do you define "being rich"?

In the US the median income is around $50,000 also that is an income at which most people are pretty satisfied, according to things like: http://business.time.com/2012/04/19/why-50000-may-be-the-new-happiness-tipping-point/ Assuming a 3-4% withdrawal rate is sustainable, would mean about $1.2 to $1...
by VictoriaF
Sat Dec 20, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 122
Views: 7288

Re: U.S. stocks in freefall

Man, I just love this. Every time this thread pops up after a market drop, the market bounces back. This thread is a wonderful contrary indicator. Well, shipmate Ned, that's why we keep dropping by here, just to show that in the markets nobody knows nothing . This thread is an instance of financial...
by VictoriaF
Sat Dec 20, 2014 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1073
Views: 191007

Re: What doyou splurge on?

http://i60.tinypic.com/2qsa4bq.jpg When my wife found out that New Balance was discontinuing her favorite shoe, she got every pair she could find. In the end, I think she got 35 pairs. She keeps mileage records on each pair, rotates among a few, and retires them when appropriate. She also has 3 pai...
by VictoriaF
Sat Dec 20, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 21598

Re: U.S. stocks in freefall

Man, I just love this. Every time this thread pops up after a market drop, the market bounces back. This thread is a wonderful contrary indicator. Well, shipmate Ned, that's why we keep dropping by here, just to show that in the markets nobody knows nothing . This thread is an instance of financial...
by VictoriaF
Sat Dec 20, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1073
Views: 191007

Re: How do you define "being rich"?

The folks I saw living in tents in Morocco probably aren't worried if they have to much of a small cap tilt in their portfolios. When I was trekking in Nepal, I came across a comment that for the local people, American and Western European tourists were indistinguishable from Japanese tourists. The...
by VictoriaF
Sat Dec 20, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 122
Views: 7288

Re: What do you splurge on?

Legos (constructing buildings is a good stress reliever for me). Funny you should mention Lego. I have been considering reactivating my childhood passion, adding Lego to my splurge list. I just spent hours at my parents' house reconstructing my 70s-era kits, with the help of online sites, for the f...
by VictoriaF
Sat Dec 20, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 21598

Re: Roll Call for the Retirement Class of 2014!

lthough physically I am very active I love it sit around and think. I have always wanted time to think and now I have it! I also love to learn. My health is perfect and my wife's health is perfect. The world is our oyster. Thinking is what I enjoy most about it. I have time now to listen to what I ...
by VictoriaF
Fri Dec 19, 2014 4:27 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 257
Views: 25234

Re: Roll Call for the Retirement Class of 2014!

Class of 2014 as of 19 December 2014: 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 Jan - hicabob (57) 24 ...
by VictoriaF
Fri Dec 19, 2014 3:29 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 257
Views: 25234

Re: Roll Call for the Retirement Class of 2014!

ww340 wrote:Victoria,

My official last day was Jan. 24, (just to clean up your list).


ww340,

Thank you for the clarification. I edited the message from 17 Dec 2014 with your update.

Best wishes,
Victoria
by VictoriaF
Fri Dec 19, 2014 3:21 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 257
Views: 25234

Re: Roll Call for the Retirement Class of 2015!

I will be retiring in April 2015, after 32 years with my employer...plus a few years in graduate school and a few years working for an Accounting firm before that. Looking forward to it :D Hi Andy, I added you to the list. Please provide the date in April, if you know and are willing to share it. C...
by VictoriaF
Thu Dec 18, 2014 5:48 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 25
Views: 2337

Re: Roll Call for the Retirement Class of 2015!

Class of 2015 as of 18 December 2014: 01 Jan - m139115 (56) 15 Jan - Greenie (63) 30 Jan - VTXVX (51) 31 Jan - dpc 31 Jan - zzcooper123 28 Feb - Jim85 31 Mar - Philliefan33 xx Apr - Wagnerjb <-- New member 01 Apr - Rob54keep (60) 12 May - Girino 30 Jun - beltonr 30 Sep - midmoder 31 Dec - Nearing_D...
by VictoriaF
Thu Dec 18, 2014 5:46 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 25
Views: 2337

Re: Favorite Narrators for Fictional Audiobooks

I ended up listening to the whole book since the narrator was so compelling. I couldn't let it go, and if I were listening to it in bed, I would have stayed up all night. But, of course, you will never tell us who that narrator is. Victoria I'm not kidding when I tell you it's not a book I ever wou...
by VictoriaF
Thu Dec 18, 2014 5:33 pm
 
Forum: Personal Consumer Issues
Topic: Favorite Narrators for Fictional Audiobooks
Replies: 24
Views: 1238

Re: U.S. stocks in freefall

The Wizard wrote:
Toons wrote:
chaz wrote:No freefall today. :D


Trampoline Bounce :happy

A lot better than a Dead Cat Bounce...


It looks like we are not going to eat (dead) cat food any time soon.

Victoria
by VictoriaF
Thu Dec 18, 2014 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1073
Views: 191007

Re: Favorite Narrators for Fictional Audiobooks

frugalguy wrote:I ended up listening to the whole book since the narrator was so compelling. I couldn't let it go, and if I were listening to it in bed, I would have stayed up all night.


But, of course, you will never tell us who that narrator is.

Victoria
by VictoriaF
Thu Dec 18, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Favorite Narrators for Fictional Audiobooks
Replies: 24
Views: 1238

Re: Odds of portfolio survival = 90%; odds of my survival =

If you don't know what asset returns are going to be, what is your alternative to simulation? Historical Backtesting seems the Best we've got! Historical backtesting assumes that the future will be exactly like the past. A Monte Carlo simulation that fits a distribution to historical data assumes t...
by VictoriaF
Thu Dec 18, 2014 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: Odds of portfolio survival = 90%; odds of my survival = 0.1%
Replies: 167
Views: 9727

Re: Roll Call for the Retirement Class of 2014!

Looking at the list makes me feel that my retirement plan may not be realistic. Reality check for me. Why do you say it? Victoria I would like to keep it to myself, sorry for that. I was comparing myself to others on the list. Yes, of course, you should not disclose anything you are not comfortable...
by VictoriaF
Thu Dec 18, 2014 9:57 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 257
Views: 25234

Re: Roll Call for the Retirement Class of 2014!

flyingaway wrote:Looking at the list makes me feel that my retirement plan may not be realistic. Reality check for me.


Why do you say it?

Victoria
by VictoriaF
Thu Dec 18, 2014 9:38 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 257
Views: 25234

Re: Do you travel with friends?

I prefer to travel alone. There is something about exploring places solo that is deeply rewarding. I don't know how to explain this except to say that I feel much more in touch with myself when I travel. I like meeting people, whether fellow travelers or locals, when I travel. But I don't usually w...
by VictoriaF
Thu Dec 18, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: Do you travel with friends?
Replies: 42
Views: 3393

Re: Odds of portfolio survival = 90%; odds of my survival =

If you don't know what asset returns are going to be, what is your alternative to simulation? Historical Backtesting seems the Best we've got! Historical backtesting assumes that the future will be exactly like the past. A Monte Carlo simulation that fits a distribution to historical data assumes t...
by VictoriaF
Thu Dec 18, 2014 8:47 am
 
Forum: Investing - Theory, News & General
Topic: Odds of portfolio survival = 90%; odds of my survival = 0.1%
Replies: 167
Views: 9727

Re: Favorite Narrators for Fictional Audiobooks

I usually select audiobooks based on the subject. I am interested in many topics and have to optimize across my limited time. If I focused on narrators that would result in suboptimal selection. Usually, I don't remember the names of the narrators, but George Guidall is one name that stood out as a ...
by VictoriaF
Thu Dec 18, 2014 8:19 am
 
Forum: Personal Consumer Issues
Topic: Favorite Narrators for Fictional Audiobooks
Replies: 24
Views: 1238

Re: Any interest in a Baltimore/Southern PA Chapter?

Forgive my ignorance, but are meetings just an opportunity to get together to discuss and learn from one another? These meetings are different things for different people. At the DC meetings, we frequently have new people who seldom post, have basic questions and are shy to ask them publicly. Some ...
by VictoriaF
Thu Dec 18, 2014 8:09 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Any interest in a Baltimore/Southern PA Chapter?
Replies: 14
Views: 900

Re: Odds of portfolio survival = 90%; odds of my survival =

I would highly recommend the book "Being Mortal: Medicine and What Matters in the End," by Atal Gawande to better understand end of life issues. I had this book on my Amazon.com wish list, and this thread has prompted me to order it three days ago. I am glad that you also recommend it. Vi...
by VictoriaF
Thu Dec 18, 2014 8:01 am
 
Forum: Investing - Theory, News & General
Topic: Odds of portfolio survival = 90%; odds of my survival = 0.1%
Replies: 167
Views: 9727

Re: A perfect profession

They do this with television shows too. Criminal Minds tried axing two female characters/actors on the show that most people liked and replacing them with a new female character. When asked why they did this, the answer was something about "fresh" and "new", and not that there w...
by VictoriaF
Wed Dec 17, 2014 8:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: A perfect profession
Replies: 61
Views: 6320

Re: Roll Call for the Retirement Class of 2014!

As planned, my last day at work was today. After 37 years, my office is cleaned out, all the goodbyes are said, all the hugs are given and a few tears shed. Someone asked me what was going through my mind today. The answer is a very weird combination of fear of the unknown, sadness at leaving some ...
by VictoriaF
Wed Dec 17, 2014 8:31 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 257
Views: 25234

Re: Roll Call for the Retirement Class of 2014!

Class of 2014 as of 17 December 2014: <-- replaced with a later list.
...
24 Jan - ww340 (61) <-- updated
...
17 Dec - BigJohn (58) <-- Congratulations!

Currently, 56 class members.

Victoria
by VictoriaF
Wed Dec 17, 2014 8:27 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 257
Views: 25234

Re: Free course on 1400-1800 art

Earlier this year I signed up for a Coursera class on Modern Latin Culture but I ended up dropping it because the professor, from a university in Mexico, had such a strong accent. You can watch promotional videos for Coursera and edX courses to decide if you like professors and their presentation. ...
by VictoriaF
Wed Dec 17, 2014 5:33 pm
 
Forum: Personal Consumer Issues
Topic: Free course on 1400-1800 art
Replies: 7
Views: 1050

Re: Odds of portfolio survival = 90%; odds of my survival =

Christine,

Thank you very much for the response. It would be good to have this discussion in person. Any chance you may attend a Bogleheads conference?

Victoria
by VictoriaF
Wed Dec 17, 2014 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: Odds of portfolio survival = 90%; odds of my survival = 0.1%
Replies: 167
Views: 9727

Re: WHY is retirement enjoyable / something to look forward

Also keep in mind that our bodies undergo some significant changes as we age. Along with the obvious outer physical stuff we can see, there are also sometimes significant changes in body chemistry. We like to think that we're entirely creatures of free will, driven by rational thought and emotion. ...
by VictoriaF
Wed Dec 17, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 145
Views: 9061

Re: U.S. stocks in freefall

Dow down 99.99? Relax, Santa Claus Rally is just around the corner !!! Maybe the Santa Claus rally isn't real. Maybe it's just something our parents made up to make us want to hold stocks in December. :shock: It is real and it is just around the corner . . . this time Santa is moving slowly. I am n...
by VictoriaF
Wed Dec 17, 2014 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1073
Views: 191007
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