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Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

chaz wrote:Please note Victoria's avatar. It has meaning in this thread.


Chaz, are you picking on me or on Black Swans?

Victoria
by VictoriaF
Fri Apr 18, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 24
Views: 2500

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

What if the market itself is subject to a Black Swan? I submit that underlying dishonesty in the numbers, if such dishonesty exists, is such a Black Swan, and rebalancing will not help guard against that. Everything is subject to Black Swans, and it particularly applies to the market. And so yes, t...
by VictoriaF
Fri Apr 18, 2014 4:20 pm
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 24
Views: 2500

Re: *poor* Bogleheads

A long time ago, I decided that I would be better off assimilating into the American social circles rather than clinging to a Russian-speaking community, and I have never regretted my choice. The rewards are far greater than the challenges. The same is hopefully true for those who are breaking the ...
by VictoriaF
Fri Apr 18, 2014 3:44 pm
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 4691

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

I think you risk imprisoning yourself in a paradigm of your own by not caring. If numbers are not accurate, why do we use them? We might as well stick to haiku. The foundation of a sustainable financial system is honest numbers. Dishonest weights and measures have been an abomination for thousands ...
by VictoriaF
Fri Apr 18, 2014 3:32 pm
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 24
Views: 2500

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

The market declining is normal. What happened in 2008 (really 2007) was an earthquake under the foundations of finance. In an earthquake you dive under the table or brace yourself in the doorway and hope the house doesn't come down and kill you. I'm afraid they just wallpapered over the cracks and ...
by VictoriaF
Fri Apr 18, 2014 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 24
Views: 2500

Re: *poor* Bogleheads

This Forum is not an outlet for gloating, it is focused on solving financial issues and defining the way forward. Both types of decisions depend on the size of one's portfolio and so it's naturally comes up in the discussions. Maybe not consciously, but it certainly comes out that way from some mem...
by VictoriaF
Fri Apr 18, 2014 2:54 pm
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 4691

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

The recession of 2008-2009 itself was not a Black Swan. Oh yes. Yes it was. I watched the Chairman of the Federal Reserve make public statements that could not possibly be true and I saw that he really believed they were true. I saw how inadequate the "captains of finance" were at underst...
by VictoriaF
Fri Apr 18, 2014 2:36 pm
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 24
Views: 2500

Re: *poor* Bogleheads

This Forum is not an outlet for gloating, it is focused on solving financial issues and defining the way forward. Both types of decisions depend on the size of one's portfolio and so it's naturally comes up in the discussions.

Victoria
by VictoriaF
Fri Apr 18, 2014 1:58 pm
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 4691

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

There is nothing at all wrong with High IQ. I don't think the point is to disparage intelligence. Being very intelligent is a big advantage in life. What I would say is what matters is what you do with what you have. There is a difference between high intelligence and good judgment. If you have the...
by VictoriaF
Fri Apr 18, 2014 10:09 am
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 24
Views: 2500

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

I disagree a little bit with "Doesn't Matter: Predicting the next Black Swan." I clearly saw the 2008 crash coming. Clearly. Odd because I am no financial whiz of any kind, it was the human elements involved that alerted me, the ridiculous hubris I saw coming to a point of crisis. I didn'...
by VictoriaF
Fri Apr 18, 2014 10:07 am
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 24
Views: 2500

Re: Washington DC Area Bogleheads

Hi Bob,

Thank you for the news. Do you know if we are the largest Bogleheads group?

Victoria
by VictoriaF
Thu Apr 17, 2014 10:07 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Washington DC Area Bogleheads
Replies: 163
Views: 49027

Re: Little to no income for 2 years- take IRA RMDs up to 37k

he could simply not trust Congress to not change the laws involving taxation of Roths in the future. This is just a kernel for thought. I have seen in my years social security going from being nontaxed to taxed up to 85%. I have no dog in this fight, but thought I would point it out. Taxing Roth ac...
by VictoriaF
Thu Apr 17, 2014 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Little to no income for 2 years- take IRA RMDs up to 37k?
Replies: 14
Views: 1086

Re: Shuttle from Tampa airport to St Pete Beach?

Victoria... thank you for the PM. I attempted a reply, but each effort yields this message: Some users couldn’t be added as they have disabled private message receipt . I was able to send Me a test message, but couldn't get one delivered to you. --nibble Hi nibble, I have temporarily turned my PM o...
by VictoriaF
Thu Apr 17, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Shuttle from Tampa airport to St Pete Beach?
Replies: 14
Views: 691

Re: Over-55 communities a ripoff?

Question: Why would an over-55 'empty-nest' couple 'downsize' by selling their long-time and likely paid-off home, and buying into a new over-55 community? These heavily-marketed communities are no bargain, with 3-bedroom homes starting in the $300,000 range where I live (Philadelphia area). If the...
by VictoriaF
Thu Apr 17, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Over-55 communities a ripoff?
Replies: 38
Views: 2437

Re: Magnifying Glasses

I did an Amazon.com search for magnifying glasses, and Vivitar Viv-mag-2 Set Of 2 Magnifying Glasses was the first hit. Of 239 reviewers, 170 gave it 5 stars and 43 gave 4 stars.

Victoria
by VictoriaF
Thu Apr 17, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Magnifying Glasses
Replies: 4
Views: 190

Re: Q&A with the Experts at 2014 Bogleheads Conference

In March-April we were bombarded with the news about High Frequency Trading (HFT). What is your current opinion about HFT and the merits of Vanguard using HFT-resistant exchanges such as IEX?

Thank you,
Victoria

P.S. I posted the same question for Jack. I am interested in different opinions.
by VictoriaF
Thu Apr 17, 2014 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: Q&A with the Experts at 2014 Bogleheads Conference
Replies: 2
Views: 264

Re: Q&A with Jack Bogle at 2014 Bogleheads Conference

Jack,

In March-April we were bombarded with the news about High Frequency Trading (HFT). What is your current opinion about HFT and the merits of Vanguard using HFT-resistant exchanges such as IEX?

Thank you,
Victoria
by VictoriaF
Thu Apr 17, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: Q&A with Jack Bogle at 2014 Bogleheads Conference
Replies: 2
Views: 336

Re: If You Can New Free Dates

Bill Bernstein wrote:There's a chance I'll have to cancel the 21st


Don't cancel if you can {a pun},

Victoria
by VictoriaF
Thu Apr 17, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: If You Can New Free Dates
Replies: 3
Views: 598

Re: If you leave your job, can you use up your whole FSA?

This is not exactly a loophole, because it works both ways. I left my previous employer in the middle of a year. But that time, I've contributed a half of the annual amount into the FSA, but have not incurred any medical expenses. My contributions were lost.

Victoria
by VictoriaF
Thu Apr 17, 2014 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: If you leave your job, can you use up your whole FSA?
Replies: 18
Views: 1026

Re: Baby Boomers: Top 10 Movies

Jerrybaby wrote:
VictoriaF wrote:My additions:
"It's a Mad Mad Mad Mad World" and
"Victor and Victoria," of course.

Victoria


Mad, mad world, yes, yes.


If the characters in the four cars were Bogleheads, how do you think we would have divided the money?

Victoria
by VictoriaF
Thu Apr 17, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 31
Views: 1877

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

Doesn’t Matter: Having the highest IQ in the room. Does Matter: Developing your emotional intelligence. I detest this habit of disparaging IQ. High intelligence should supersede high asset value as a life's goal. having the highest iq in the room means little in success in life or business and shou...
by VictoriaF
Thu Apr 17, 2014 9:38 am
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 24
Views: 2500

Re: Federal Employment Question

If I was dissatisfied with my job, my supervisor, or my location, I would have to look for another federal government job or remain in a poor work environment. It's hard to quantify this positive aspect of FERS over CSRS but it's real. MichDad The ability to leave is a very important component of t...
by VictoriaF
Thu Apr 17, 2014 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employment Question
Replies: 20
Views: 1312

Re: Shuttle from Tampa airport to St Pete Beach?

nibble wrote:Hello, Victoria! You are in my neighbourhood. If you are interested, it would be my honor to show you around at any time. I think you can PM me? No matter what, welcome to Florida!


Thank you, Nibble. I sent you a PM.

Victoria
by VictoriaF
Thu Apr 17, 2014 9:07 am
 
Forum: Personal Consumer Issues
Topic: Shuttle from Tampa airport to St Pete Beach?
Replies: 14
Views: 691

Re: Shuttle from Tampa airport to St Pete Beach?

TimeRunner wrote:Whoo-hoo! Spring Break! Girls Gone Wild! Go Victoria!!! :beer

That's what girls are for!

Victoria
by VictoriaF
Thu Apr 17, 2014 9:06 am
 
Forum: Personal Consumer Issues
Topic: Shuttle from Tampa airport to St Pete Beach?
Replies: 14
Views: 691

Re: Switching Banks

Before closing out the BofA account and/or credit card, first open an account at this credit union and get one of their credit cards. Make sure your needs/desires are adequately met. A new credit card does not necessarily have to come from the new credit union. I have recently started investigating...
by VictoriaF
Wed Apr 16, 2014 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching Banks
Replies: 16
Views: 1088

Re: Shuttle from Tampa airport to St Pete Beach?

I've purchased my shuttle rides on line. Here are some observations: 1. When I was entering the hotel address manually, the one-way price was $28. When I specified my hotel by name, the one-way price dropped to $25. 2. When I was completing the reservation, the price dropped further to $47 for the r...
by VictoriaF
Wed Apr 16, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Shuttle from Tampa airport to St Pete Beach?
Replies: 14
Views: 691

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

I disagree with several of his "Doesn’t Matter" statements: Doesn’t Matter: Your theories on tax policy. Does Matter: Taking advantage of tax sheltered retirement accounts. One's opinion about the future tax policy impacts one's planning of Roth conversions. An expectation of higher taxes ...
by VictoriaF
Wed Apr 16, 2014 7:23 pm
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 24
Views: 2500

Re: Traveling by train in the UK for the firs time, help!

Bus line is - FirstGroup - Route 71 is the route that would swing you by Englefield green and Beaumont Estate. This route will also take you right into town and to the trainstations you would use for your passage to London. The Taxi Service I would recomend is Five Star Taxi - 01753858888 Excellent...
by VictoriaF
Wed Apr 16, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 29
Views: 1152

Re: Traveling by train in the UK for the firs time, help!

I will be in Windsor for a few days in September, and after that I want to spend a few days in London. From a preliminary search, it appears that I can travel by train from Heathrow to Windsor and from Windsor to London. From London back to Heathrow I will take the tube, as I did in the past. If an...
by VictoriaF
Wed Apr 16, 2014 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 29
Views: 1152

Re: Shuttle from Tampa airport to St Pete Beach?

Thank you, Bruce.

Victoria
by VictoriaF
Wed Apr 16, 2014 3:20 pm
 
Forum: Personal Consumer Issues
Topic: Shuttle from Tampa airport to St Pete Beach?
Replies: 14
Views: 691

Shuttle from Tampa airport to St Pete Beach?

I will be spending a week at St. Pete Beach, Florida. I don't need a car while I am there, and so I am considering using an airport shuttle. Please comment if Supershuttle is the best option and if it's better to reserve it online or when I arrive.

Thank you,
Victoria
by VictoriaF
Wed Apr 16, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Shuttle from Tampa airport to St Pete Beach?
Replies: 14
Views: 691

Re: SS Strategy Metric

rkhusky wrote:Also, does/did anyone factor in that by delaying SS one could convert more tax-deferred savings to a Roth at lower rates?


I do/did.

Victoria
by VictoriaF
Wed Apr 16, 2014 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Strategy Metric
Replies: 31
Views: 1725

Re: Baby Boomers: Top 10 Movies

My additions:
"It's a Mad Mad Mad Mad World" and
"Victor and Victoria," of course.

Victoria
by VictoriaF
Wed Apr 16, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 31
Views: 1877

Re: A "Boglehead" seen in the daylight!

Indeed, From what Gail reports, it appears Bogleheads numbers are increasing and we are beginning to see them coming out of their caves and moving about in the daylight. Shawcroft (just kidding, folks!) Bogleheads are like squirrels. They have always been there, but there was no one to notice them....
by VictoriaF
Wed Apr 16, 2014 1:36 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 65
Views: 7477

Re: Stocks: How Bad It Can Get

The next big drop will occur during "Ukraine, the invasion of." It's not an invasion but a civil war. Victoria Well, a US backed popular coup followed by a Russian backed popular secession. Now they're having internal troubles that could possibly lead to a civil war or an invasion. Of cou...
by VictoriaF
Wed Apr 16, 2014 1:33 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5309

Re: What is your net worth

The Wizard wrote:The serious thread on 2014 Net Worth is the other one, with the big spreadsheet, by bobblehead and bigfoot.
This thread is just for joking around...

This thread has produced a beautiful normal distribution, and we all know that normal distribution is not a joke.

Victoria
by VictoriaF
Wed Apr 16, 2014 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 5315

Re: What is your net worth

sscritic wrote:
Bustoff wrote:Everyone knows that the Bogleheads who have the highest number of posts have the highest net worth.

If only it were that easy. :)

Try to sell your posts.

Victoria
by VictoriaF
Wed Apr 16, 2014 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 5315

Re: SS Strategy Metric

My strategy is to wait collecting Social Security until the age of 70, so that I will maximize my inflation-adjusted income for the remainder of my life.

Victoria
by VictoriaF
Wed Apr 16, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Strategy Metric
Replies: 31
Views: 1725

Re: Stocks: How Bad It Can Get

steve roy wrote:The next big drop will occur during "Ukraine, the invasion of."


It's not an invasion but a civil war.

Victoria
by VictoriaF
Wed Apr 16, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5309

Re: Traveling by train in the UK for the firs time, help!

I will be in Windsor for a few days in September, and after that I want to spend a few days in London. From a preliminary search, it appears that I can travel by train from Heathrow to Windsor and from Windsor to London. From London back to Heathrow I will take the tube, as I did in the past. If any...
by VictoriaF
Wed Apr 16, 2014 1:01 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 29
Views: 1152

Re: apartment rental strategies

I have been watching apartment prices in a specific area of Arlington, VA, where I want to move to in a few months. For some apartment buildings, I noticed a difference in about $200 per month between the price advertised in February and the price advertized now. In summer many people move, e.g., to...
by VictoriaF
Wed Apr 16, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: apartment rental strategies
Replies: 12
Views: 1147

Re: Federal Employment Question

If your goal is to get another Federal job, you can't get around USAJobs. The hiring process in the Federal government is very structured and enforced. The goal of the hiring policies is to prevent abuse, but an unfortunate outcome is that a hiring manager is highly restricted in whom she or he can ...
by VictoriaF
Wed Apr 16, 2014 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employment Question
Replies: 20
Views: 1312

Re: Target breach: deadline for credit monitoring

They would not go off-line to get my real report and then give to me so that I would not suspect a fraud. At least, I don't think that would make an economic sense for them to do. It would be pretty easy and that way you don't get found out as quickly vs the error which would get reported on the we...
by VictoriaF
Tue Apr 15, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Target breach: deadline for credit monitoring
Replies: 8
Views: 570

Re: Target breach: deadline for credit monitoring

But a fraudulent web site would not have provided me with my credit report. It would be trivial to be a man in the middle so you would not notice a difference in functionality... that's why I questioned that it's not experian.com (or some variations like experian.com/target).... Why did the need a ...
by VictoriaF
Tue Apr 15, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Target breach: deadline for credit monitoring
Replies: 8
Views: 570

Re: Target breach: deadline for credit monitoring

http://www.protectmyid.com/ takes you to the Experian web site. http://www.protectmyid.com/target takes you to a page requesting the activation code you will have received from Target. After I entered all required information, the site has provided me with an accurate credit report. I am aware of so...
by VictoriaF
Tue Apr 15, 2014 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Target breach: deadline for credit monitoring
Replies: 8
Views: 570

Re: I'm on a mission for more security

I think it's important to diversify across 2-3 financial institutions holding your assets and providing you with credit and liquidity. It's tempting to hold all the assets in Vanguard, have a checking account with a single credit union, and have one reward-rich credit card. However, any single insti...
by VictoriaF
Tue Apr 15, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: I'm on a mission for more security
Replies: 15
Views: 1531

Re: How far in advance to look for rental house or apt?

Another option is to skip the advance apartment-hunting trip and stay at someplace like the Residence Inn or some other extended-stay place with a kitchen and temporarily leave my stuff in the pods while I take time to scour the Reno area for the best place to settle down. Any downsides to this opt...
by VictoriaF
Tue Apr 15, 2014 11:07 am
 
Forum: Personal Consumer Issues
Topic: Moving to Reno: When to look for a rental?"
Replies: 12
Views: 579

Re: How far in advance to look for rental house or apt?

Do most landlords start showing their places as soon as they get notice from the renter to avoid long vacancy periods, or do most wait until the place is empty and (hopefully) cleaned or painted as needed? If a building is fully occupied, the landlord starts showing your apartment as soon as you an...
by VictoriaF
Tue Apr 15, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: Moving to Reno: When to look for a rental?"
Replies: 12
Views: 579

Re: How far in advance to look for rental house or apt?

The following is based on my experience of renting in the Mid-Atlantic region, in NJ, VA and MD. Reno could be different. Usually, more apartments come to market in June-August, when families with children of school age move to other school districts. During this time, you have more choice but also ...
by VictoriaF
Tue Apr 15, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: Moving to Reno: When to look for a rental?"
Replies: 12
Views: 579

Re: The slackening...

I like the idea of motivating greater success. But how would you verify what your children have accumulated? And when would you notify your children (credibly) that this is your intent? This is a concern only if "greater success" is equivalent to greater financial accumulation. I find sci...
by VictoriaF
Tue Apr 15, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: The slackening...
Replies: 57
Views: 5717
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