Search found 17967 matches

by VictoriaF
Thu Jul 19, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: Can Hindsight Bias Be Inherited? - Christine Benz
Replies: 3
Views: 304

Re: Can Hindsight Bias Be Inherited? - Christine Benz

Cognitive biases are an artifact of the System 1 operation when it uses heuristics. All cognitive biases are inherited from our stone-age ancestors. Situational manifestations of cognitive biases are triggered by a variety of reasons. Some people do what their parents did; others do the opposite of ...
by VictoriaF
Thu Jul 19, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 13133

Re: Early retirement

I like the whole idea of setting up systems instead of goals. Sounds like Scott Adams (of “Dilbert” fame): “Goals are for losers, systems are for winners” Scott Adams has two excellent recent books. He explains Goals vs. Systems in "How to Fail at Almost Everything and Still Win Big: Kind of the St...
by VictoriaF
Thu Jul 19, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 13133

Re: Early retirement

AlwaysWannaLearn wrote:
Wed Jul 18, 2018 5:58 pm
.....
The first, second and fifth points are good. But I disagree with the third and fourth.

Victoria
by VictoriaF
Wed Jul 18, 2018 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 82
Views: 4966

Re: How do you handle the urge to DO something?

Start playing credit card games, including bonuses and strategic spending. The acquisition of miles and points will keep you busy and give you the satisfaction of saving money with no downsides (apart from tremendous waste of time).

Victoria
by VictoriaF
Wed Jul 18, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3198

Re: 35 minute connection for flight, long enough?

I'll book a very short connection, if: 1) the price is much lower 2) I don't mind to miss my flight I'll book a very long connection, if: 1) the price is much lower 2) I arrive to my destination at a reasonable time I do not book early morning flights, because I don't like to wake up too early, even...
by VictoriaF
Wed Jul 18, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 87
Views: 8311

Re: Salary vs. Lifestyle

corn18 wrote:
Wed Jul 18, 2018 5:18 pm
livesoft wrote:
Wed Jul 18, 2018 5:15 pm
Yes, what she said.
As long as we aren't projecting that onto everyone with a higher salary, I won't be offended.
Livesoft wrote "Everybody I know ...".
My comments were based on my overall observations, without getting into exceptions.

Victoria
by VictoriaF
Wed Jul 18, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 87
Views: 8311

Re: Salary vs. Lifestyle

Everybody I know that has had higher salary has figured out a way to enjoy life while earning a higher salary. I think much of the pain now stuff is just talk to make the wealthy feel more normal and not get hassled by the less well off. Excellent points. Victoria I don't understand the points. Can...
by VictoriaF
Wed Jul 18, 2018 12:30 pm
Forum: Investing - Theory, News & General
Topic: Tyler Cowen talks with Vitalik Buterin
Replies: 2
Views: 362

Tyler Cowen talks with Vitalik Buterin

Link: https://medium.com/conversations-with-tyler/vitalik-buterin-tyler-cowen-cryptocurrency-blockchain-tech-3a2b20c12c97. It's a fascinating discussion covering the economics and the challenges of Ethereum. Cowen is an academic economist at George Mason University, an author of several books and of...
by VictoriaF
Wed Jul 18, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 87
Views: 8311

Re: Salary vs. Lifestyle

livesoft wrote:
Wed Jul 18, 2018 10:58 am
Everybody I know that has had higher salary has figured out a way to enjoy life while earning a higher salary. I think much of the pain now stuff is just talk to make the wealthy feel more normal and not get hassled by the less well off.
Excellent points.

Victoria
by VictoriaF
Wed Jul 18, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Putting a mattress directly on the floor
Replies: 25
Views: 67328

Re: Putting a mattress directly on the floor

The discussion continues in this tread: viewtopic.php?f=11&t=254100

Victoria
by VictoriaF
Wed Jul 18, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 13133

Re: Early retirement

I retired 2 years ago at 47 and my wife last year at 49. We still have side gigs for about 1 week per month so I guess we are really 75% retired. The days go so quick. We look at each other every night and think where did the day go? We are active and workout most days. We spend 30-40% of the year ...
by VictoriaF
Wed Jul 18, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 8848

Re: Why own a bed?

Doom&Gloom wrote:
Wed Jul 18, 2018 10:28 am
VictoriaF wrote:
Wed Jul 18, 2018 9:00 am
Doctor Rhythm wrote:
Wed Jul 18, 2018 1:24 am
Caduceus wrote:
Mon Jul 16, 2018 10:41 am
Are there any good reasons to own a bed?
Positions 3, 7, and 9 through 12(b) require a bed.
For position 12(b) you can replace a bed with a kitchen table.

Victoria
Why own a kitchen table?
For deep cuts.

Victoria
by VictoriaF
Wed Jul 18, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 8848

Re: Why own a bed?

Doctor Rhythm wrote:
Wed Jul 18, 2018 1:24 am
Caduceus wrote:
Mon Jul 16, 2018 10:41 am
Are there any good reasons to own a bed?
Positions 3, 7, and 9 through 12(b) require a bed.
For position 12(b) you can replace a bed with a kitchen table.

Victoria
by VictoriaF
Tue Jul 17, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 8848

Re: Why own a bed?

audioaxes wrote:
Tue Jul 17, 2018 2:29 pm
I find the further away from the floor the better for my nasal passages. Sleeping right on the floor im guaranteed to wake up with a stuff nose. Definitely not the only reason I have a proper bed though.
Have you thought of getting a bunk bed?

Victoria
by VictoriaF
Tue Jul 17, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Bored
Replies: 25
Views: 3370

Re: Bored

In all seriousness, if you've optimized everything to the point of diminishing returns, I would challenge you to find the most value you can extract out of your spending. There's a whole world of traveling, collecting (cars, watches, baseball cards, etc.), or other hobbies out there. Pick your pois...
by VictoriaF
Tue Jul 17, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: Why age is not how to determine risk tolerance
Replies: 17
Views: 1980

Re: Why age is not how to determine risk tolerance

B) 100/0 is a lousy AA in term of risk-adjusted return. So, it is the wrong AA at any age. You can't eat risk-adjusted return. If you're not willing to use leverage, and you're willing to wait 30 years, the 100/0 AA will wind up with a higher balance even at 5th percentile stock market returns. Thr...
by VictoriaF
Tue Jul 17, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement
Replies: 50
Views: 4330

Re: New Vanguard Security Code Requirement

Laypeople and cybersecurity experts were asked about their top-3 security priorities. The respondents have provided disjoint sets of responses: Laypeople: 1) use antivirus software 2) visit only known safe websites 3) change passwords frequently Experts: 1) install software patches and other updates...
by VictoriaF
Tue Jul 17, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 8848

Re: Why own a bed?

roymeo wrote:
Tue Jul 17, 2018 3:09 pm
You need a Murphy bed.
Murphy was an optimist.

Victoria
by VictoriaF
Tue Jul 17, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 13133

Re: Early retirement

Some aspects of the environment we have evolved in are easier to aim for than others. For example, I am trying paleo diet and intermittent fasting, with mixed success. But I would not want to limit my social circle to a few dozen people or stop reading. Again I have a difficult time responding, as ...
by VictoriaF
Tue Jul 17, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 13133

Re: Early retirement

Most people would congratulate me, while others would initiate an interrogation worthy of the KGB in the peak of the Cold War. I gave 2.5 months notice at work, and I got so tired of having to explain myself to others on a daily basis, that I eventually stopped telling anyone that did not know yet....
by VictoriaF
Tue Jul 17, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 8848

Re: Why own a bed?

Are there any good reasons to own a bed? Why not just sleep on a mattress on the floor (I think the Japanese do that?) instead of paying hundreds or thousands of dollars to sleep a few feet off the ground? If such a person is single and interested in a relationship, this "choice" could be damaging ...
by VictoriaF
Tue Jul 17, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 8848

Re: Why own a bed?

Are there any good reasons to own a bed? Why not just sleep on a mattress on the floor (I think the Japanese do that?) instead of paying hundreds or thousands of dollars to sleep a few feet off the ground? Avoiding bed bugs is a good reason I think to have a bed versus just a mattress on the floor....
by VictoriaF
Tue Jul 17, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 8848

Re: Why own a bed?

This thread gets my vote for one of the silliest yet here on Bogleheads. It's certainly near the top but it seems like a worthy contender pops up almost daily. My vote for silliest is "How Long to Keep a Kitchen Sponge". https://www.bogleheads.org/forum/viewtopic.php?t=210945 At least a bed costs m...
by VictoriaF
Tue Jul 17, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 8848

Re: Why own a bed?

bearcub wrote:
Tue Jul 17, 2018 5:50 am
Will have to ask my girlfriends what they would prefer. Be back with results.
Make sure to ask all of them at the same time so that they could have a healthy debate. A non-consensual bed can get you in trouble.

Victoria
by VictoriaF
Tue Jul 17, 2018 12:24 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 8848

Re: Why own a bed?

With a proper bed, the scorpions will not eat the money in your mattress.

Victoria
by VictoriaF
Mon Jul 16, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 8848

Re: Why own a bed?

You need to own a bed to have affinity with the mattress commercials.

Victoria
by VictoriaF
Mon Jul 16, 2018 8:51 am
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2663

Re: Financial Newspapers & Publications

I really like the The Economist , used to have a subscription, but way too pricey today, considering the wealth of quality writing available on the 'net for free. I like The Economist and don't mind the price. My problem is that when I was receiving it, I could not stop reading it, and it was takin...
by VictoriaF
Mon Jul 16, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 13133

Re: Early retirement

Does it matter? I'm sure some things have been said to me, but I don't really recall because their opinions are immaterial to me. I've never found any fun in caring what others think. It matters to me in a contrarian way. I enjoy doing the opposite of what everyone else tells me to do, or not to do...
by VictoriaF
Sat Jul 14, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 13133

Re: Early retirement

Does it matter? I'm sure some things have been said to me, but I don't really recall because their opinions are immaterial to me. I've never found any fun in caring what others think. It matters to me in a contrarian way. I enjoy doing the opposite of what everyone else tells me to do, or not to do...
by VictoriaF
Sat Jul 14, 2018 6:49 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10366

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads Cents and Sensibility - might get women more interested in investing. Bogleheads Gents and Sensibility? Victoria I had been advised not to bother with a suggestion because the very amusing Victoria was going to win anyway. :( But, SGM, you have inspired this suggestion! According to the ...
by VictoriaF
Sat Jul 14, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 31
Views: 2080

Re: are mccormick gourmet spices better

I buy all my herbs and spices in 1-pound packages on Amazon. I select organic versions, with many reviews and mostly positive reviews; I read selected reviews to understand the nuances. The Amazon prices for the things I buy range from $11 to $25 per pound, which is far less expensive than buying sp...
by VictoriaF
Fri Jul 13, 2018 9:14 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10366

Re: COMING SOON: BOGLEHEADS PODCASTS

Candor wrote:
Fri Jul 13, 2018 9:10 pm
I just want an autographed copy of Taylor's book. :sharebeer
Taylored Investing

Victoria
by VictoriaF
Fri Jul 13, 2018 8:38 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10366

Re: COMING SOON: BOGLEHEADS PODCASTS

SGM wrote:
Fri Jul 13, 2018 6:36 pm

Bogleheads Cents and Sensibility - might get women more interested in investing.
Bogleheads Gents and Sensibility?

Victoria
by VictoriaF
Fri Jul 13, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell our business?
Replies: 61
Views: 4783

Re: Should we sell our business?

I don't have any experience with running business but I am reading a lot of books and papers on behavioral economics and related fields. Concepts related to your situation are "inside view" and "planning fallacy." When you take the inside view, you consider only what you know and what is in your con...
by VictoriaF
Fri Jul 13, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 81
Views: 5154

Re: Would you trade experiences in your youth for early retirement

The opposite is true. In your youth you have low-cost high-value experiences. You learn that you don't need money to enjoy your life and bring this knowledge into early retirement when you decide to cut lose and revive a low-cost high-value life.

Victoria
by VictoriaF
Fri Jul 13, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: massive Roth conversion
Replies: 39
Views: 3099

Re: massive Roth conversion

Had a thought and as my wife always says, "when you have a thought, I start worrying". According to a relationships expert Dr. Gottman, contempt is the biggest predictor of divorce, https://www.gottman.com/blog/this-one-thing-is-the-biggest-predictor-of-divorce/ . Wondering if there is any magic bu...
by VictoriaF
Fri Jul 13, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10366

Re: COMING SOON: BOGLEHEADS PODCASTS

Or, Bogleheads Insider Victoria I don't think that one is going to win. :twisted: I am generating many ideas and need only one to win. In this case, "insider" is intentionally provocative and ambiguous. The visitor will first come in hope to get trading insights and will return to get Bogleheads in...
by VictoriaF
Fri Jul 13, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10366

Re: COMING SOON: BOGLEHEADS PODCASTS

More Please wrote:
Fri Jul 13, 2018 1:13 pm
K.I.S.S. the Bogleheads
Or, "Bogleheads KISS"

Or, "BLISS: Bogleheads Like It Simple"

Victoria
by VictoriaF
Fri Jul 13, 2018 1:49 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10366

Re: COMING SOON: BOGLEHEADS PODCASTS

CABob wrote:
Fri Jul 13, 2018 1:29 pm
imbogled wrote:
Fri Jul 13, 2018 1:24 pm
Bogleheads Inside Information!
Or, "Inside the Boglehead"
Or, Bogleheads Insider

Victoria
by VictoriaF
Fri Jul 13, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 245
Views: 49209

Re: That Extravagant Thing You Do

Victoria and ResearchMed asked for thermal spa details... Here goes: http://www.gardenterme.it/en/ . You can adjust the language preference on the top right. Thank you, cinghiale, Your spa experience is a Bogleheads extravagance at its best: luxurious, revitalizing, and not prohibitively expensive....
by VictoriaF
Thu Jul 12, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10366

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads One

Victoria
by VictoriaF
Thu Jul 12, 2018 7:37 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10366

Re: COMING SOON: BOGLEHEADS PODCASTS

Astute Bogleheads Cafe (ABC)
.
Audio Bogleheads Cafe (ABC)

Victoria
by VictoriaF
Thu Jul 12, 2018 7:26 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10366

Re: COMING SOON: BOGLEHEADS PODCASTS

All Bogleheads Cafe (ABC)


Victoria
by VictoriaF
Thu Jul 12, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10366

Re: COMING SOON: BOGLEHEADS PODCASTS

The Bogleheads Salon
.
The Bogleheads Saloon
.
Bogleheads Cafe

Victoria
by VictoriaF
Thu Jul 12, 2018 6:58 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10366

Re: COMING SOON: BOGLEHEADS PODCASTS

The Secret Lives of the Bogleheads

Victoria
by VictoriaF
Thu Jul 12, 2018 6:57 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10366

Re: COMING SOON: BOGLEHEADS PODCASTS

Undercover Bogleheads

Victoria
by VictoriaF
Thu Jul 12, 2018 6:52 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10366

Re: COMING SOON: BOGLEHEADS PODCASTS

The Bogleheads' ENOUGH

Victoria
by VictoriaF
Thu Jul 12, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10366

Re: COMING SOON: BOGLEHEADS PODCASTS

Sailing with the Bogleheads [to financial independence].

Victoria
by VictoriaF
Thu Jul 12, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 54
Views: 6459

Re: Costco Membership

Have a Costco member give you a gift card for a purchase, reimburse them and go without a membership. I believe this is allowed based on just making a Google search. Tim Shhhhhh! Greatest life hack I know of. Not supposed to talk about this in a public forum! It's a hack. But it's not a great hack....
by VictoriaF
Thu Jul 12, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5359

Re: Anyone take naps at work?

You are confusing napping with proper sleep. Watch the TED talk linked by stoptothink in the message above, https://www.bogleheads.org/forum/viewtopic.php?f=11&t=253719&start=50#p4015698 Victoria napping can be part of a proper sleep protocol. signed a health professional Correct me if I am wrong, ...