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Re: [What is safest vehicle on the road today that I can buy

The safest car in the safest category isn't necessarily the safest car. He wants the safest car, not the safest car in the safest category. The safest car might be a smaller car even though it isn't in the safest category. It might not even be listed as the "safest car" in its category. T...
by Blue
Thu Apr 23, 2015 4:11 am
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 83
Views: 4535

Re: [What is safest vehicle on the road today that I can buy

BogleBoogie wrote:
Blue wrote:
BogleBoogie wrote:
LadyGeek wrote:Does anyone have a specific model in mind?

We're trending into a general discussion of accident safety, which is not the intent of this discussion.


Honda Accord.


Why?


Why not?


Great claims require great evidence.
by Blue
Thu Apr 23, 2015 4:02 am
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 83
Views: 4535

Re: [What is safest vehicle on the road today that I can buy

If you trust statistics, you might consider getting a CDL and buy the tractor part of a semi truck. But don't haul anything. Deaths per million miles driven are extremely low. How much of that is attributable to training and experience is debatable, but something to think about. Of course, you will...
by Blue
Tue Apr 21, 2015 9:50 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 83
Views: 4535

Re: [What is safest vehicle on the road today that I can buy

I am someone that has to have an extremely safe car, because I have such fragile bones that I frequently break ribs by simply bending over. I may not survive a crash anyway, but I want to make sure I have the best chance to do so. My neurosurgeon has suggested for years that the mercedes S 500 is t...
by Blue
Tue Apr 21, 2015 9:47 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 83
Views: 4535

Re: [What is safest vehicle on the road today that I can buy

BogleBoogie wrote:
LadyGeek wrote:Does anyone have a specific model in mind?

We're trending into a general discussion of accident safety, which is not the intent of this discussion.


Honda Accord.


Why?
by Blue
Tue Apr 21, 2015 9:46 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 83
Views: 4535

Re: [What is safest vehicle on the road today that I can buy

Googling the question led me to this IIHS article which indicates a 10-14% reduction in insurance claims attributed to automatic braking accident avoidance systems. http://www.iihs.org/iihs/news/desktopnews/crash-avoidance-features-reduce-crashes-insurance-claims-study-shows-autonomous-braking-and-...
by Blue
Tue Apr 21, 2015 9:43 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 83
Views: 4535

Re: [What is safest vehicle on the road today that I can buy

I've given the tesla more serious consideration since they added the suite of accident avoidance features. I was also impressed with their claim of zero fatalities, but in the context of how many they've sold to date I'm not sure this fact is any more impressive than the other "zero fatality&q...
by Blue
Tue Apr 21, 2015 9:16 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 83
Views: 4535

Re: What experts say about "Stay-the-Course"

Great list Taylor. Should be a sticky for all of us to read when the next bear market shows itself.
by Blue
Tue Apr 21, 2015 9:02 pm
 
Forum: Investing - Theory, News & General
Topic: What experts say about "Stay-the-Course"
Replies: 7
Views: 1787

Re: [What is safest vehicle on the road today that I can buy

Blue, My next car will be a Tesla SUV. It is expensive, but you said cost was not a consideration. There are many technical reasons that it is a safe vehicle, more so than most vehicles. The engineers can explain it better than I can, but to my understanding some of the reasons are: 1. A very low c...
by Blue
Tue Apr 21, 2015 8:57 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 83
Views: 4535

Re: [What is safest vehicle on the road today that I can buy

Does anyone have a specific model in mind? Here's the list I posted earlier: For the best of the best of the TSP+ list with Good crashworthiness for all items and perfect 6/6 score for prevention: Subaru Impreza http://www.iihs.org/iihs/ratings/vehicle/v/subaru/impreza-4-door-sedan/2015 Subaru XV C...
by Blue
Tue Apr 21, 2015 8:54 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 83
Views: 4535

Re: [What is safest vehicle on the road today that I can buy

". "accident avoidance" is marketing. It's all over before you have time to do more than hit the brakes and sometimes before that. Ok, you brake hard, narrowly avoiding the car in front, but Wizard is behind you and was sexting. :shock: Done. Curious why you believe accident avoidanc...
by Blue
Tue Apr 21, 2015 8:30 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 83
Views: 4535

Re: [What is safest vehicle on the road today that I can buy

". "accident avoidance" is marketing. It's all over before you have time to do more than hit the brakes and sometimes before that. Ok, you brake hard, narrowly avoiding the car in front, but Wizard is behind you and was sexting. :shock: Done. Curious why you believe accident avoidanc...
by Blue
Tue Apr 21, 2015 7:10 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 83
Views: 4535

[What is safest vehicle on the road today that I can buy?]

What is the safest vehicle on the road today? Why do you believe it is the safest? [The OP has clarified the intent to purchase a vehicle, with safety as the primary concern. See my post below. --admin LadyGeek] EDIT: Thanks LadyGeek. I am seeking to purchase a vehicle and will be using safety as a ...
by Blue
Mon Apr 20, 2015 7:26 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 83
Views: 4535

Re: New Vanguard White Paper: "Factor-based investing" (Apr

Interesting to read Vanguard's take. Thanks for posting.
by Blue
Sun Apr 19, 2015 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: New Vanguard White Paper: "Factor-based investing" (Apr '15)
Replies: 21
Views: 3151

Re: Vanguard FTSE All-World ex-US Small-Cap ETF

I wish they had admiral shares for the MF.
by Blue
Fri Mar 27, 2015 7:58 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard FTSE All-World ex-US Small-Cap ETF
Replies: 17
Views: 2926

Re: Designing a superior 401k plan

We recently switched our 100 employee 401k plan to Vanguard/Ascensus and they made it very easy to offer a low cost plan with wide array of investment options (which we predominantly included Vanguard index funds).
by Blue
Thu Mar 26, 2015 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Designing a superior 401k plan
Replies: 6
Views: 492

Re: How much international is too much?

letsgobobby wrote:Oh, I'm definitely timing.

And I'm definitely tinkering.


Well if a board certified psychiatrist with over 7,500 posts can't stay the course, what hope is there for the rest of us?

:confused

:?: Why do you believe you know more than the market?
by Blue
Sun Mar 15, 2015 7:00 am
 
Forum: Investing - Theory, News & General
Topic: How much international is too much?
Replies: 113
Views: 9517

Re: Should tilters recommend tilting to beginners?

Good question.

Because not staying the course with a tilt is likely to negatively offset any benefit in expected risk adjusted return from tilting, and because staying the course requires an understanding of "the course", I never recommend tilting to beginners.
by Blue
Sat Mar 14, 2015 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Should tilters recommend tilting to beginners?
Replies: 49
Views: 2916

Re: Protect rollover IRA from potential lawsuit

When we wrestled with this question we looked at the annual difference in investment expenses between the 401k and rollover IRA vs the "insurance benefit" of the greater 401k creditor protection and compared it to our umbrella policy rate in terms of dollars protected vs annual cost. For u...
by Blue
Sat Mar 07, 2015 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Protect rollover IRA from potential lawsuit
Replies: 41
Views: 4372

Re: 3 Costs Investors Must Control

Mr Ferri talks about a paper by Hsu et al. and writes this about Behavioral Costs: The authors state the exact reason for this pattern is beyond the scope of their paper, however, they wrote “investors who invest in high expense ratio funds might, on average, be less financially knowledgeable or do...
by Blue
Fri Mar 06, 2015 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: 3 Costs Investors Must Control
Replies: 61
Views: 5618

Re: 3 Costs Investors Must Control

To approximate the value of the advisor behavioral benefit, it would be interesting to compare DFA and Vanguard time weighted vs dollar weighted returns, over similar asset classes and long time periods. Since neither fund family is purely advisor (DIY), any difference is likely to be muted but stil...
by Blue
Fri Mar 06, 2015 5:46 am
 
Forum: Investing - Theory, News & General
Topic: 3 Costs Investors Must Control
Replies: 61
Views: 5618

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

RIP. I really enjoyed his books. driving a corvette, and struck by a large acura SUV. Wonder if a safer larger car would have resulted in a different outcome I am not an auto safety expert, but probably not - from the AJC article, sounds like a full-speed T-bone collision on Dr. Stanley's side of t...
by Blue
Sun Mar 01, 2015 11:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 76
Views: 12434

Re: Maximum amount in a 529 for an 8 year old?

We have substantially more than this for our 7 and 10 year old in 529's, but we view the 529 accounts as a mechanism to fund a family legacy of emphasis on education. Our intent is that anything not used by our kids will be used by our grandkids or beyond.
by Blue
Sun Mar 01, 2015 10:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Maximum amount in a 529 for an 8 year old?
Replies: 9
Views: 1003

Re: What to do with 5M?

Hey everyone, I wanted to post an update two months later. After my last post, I took LadyGeek's advice and slowed down. I didn't invest in anything new. Instead, I spent the holiday reading "Little Book of Common Sense" and then "How a second grader beat wall street" (HUGE than...
by Blue
Fri Feb 13, 2015 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 52
Views: 9194

Re: How much is a safe car worth?

I'm reminded of the study where 93% of drivers rated themselves as better than the median.

Overconfidence Effect
by Blue
Tue Feb 10, 2015 7:54 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9439

Re: Amica burned me, now what...

After seeing the results of these two homeowners insurance polls, I put our personal insurance out to bid using an independent agent who priced many of the company names on the poll along with a few of the other companies on my own. We were able to drop our rates by over a third. Good luck. https://...
by Blue
Mon Feb 09, 2015 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amica burned me, now what...
Replies: 43
Views: 4977

Re: Crestbrook vs Chubb Home Insurance

Thanks for the comments. Our Crestbrook quote is about 1/3 cheaper than Chubb and their marketing materials appears to be very similar to Chubb's. Guess it's a matter of whether the cost savings is worth taking the risk of a new subsidiary of Nationwide vs the known player.
by Blue
Fri Feb 06, 2015 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Crestbrook vs Chubb Home Insurance
Replies: 8
Views: 511

Re: How much is a safe car worth?

tadamsmar wrote:
Where did you get the Camry-specific numbers IIHS rates?



http://www.iihs.org/iihs/topics/driver-death-rates then I selected the 2004 model year tab.
by Blue
Fri Feb 06, 2015 9:04 am
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9439

Crestbrook vs Chubb Home Insurance

Curious if anyone has had experience with Crestbrook Insurance, a subsidiary of Nationwide that has entered the market as a competitor to Chubb ( article on Crestbrook ). Our two most favorable quotes for our insurance needs were from Chubb and Crestbrook but the latter is significantly cheaper of t...
by Blue
Fri Feb 06, 2015 8:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Crestbrook vs Chubb Home Insurance
Replies: 8
Views: 511

Re: How much is a safe car worth?

tadamsmar and ram --- I love the quantitative approach! I took both of your approaches and attempted to apply them to the OP's situation. The 2004 IIHS fatality report lists Camry fatality rate 55 (44-66). The most recent report lists a 2011 Subaru Outback having fatality rate 6 (0-14) and Honda Pil...
by Blue
Thu Feb 05, 2015 8:53 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9439

Re: How much is a safe car worth?

How much is a safe car worth? F*M*L*S/100,000,000 dollars when expressed as a discount off yearly total cost to own (TCO) F= the base fatality rate for average cars (deaths per 100 million vehicle miles traveled) M = the miles traveled per year of your car L = is the value of a loved one's life in ...
by Blue
Wed Feb 04, 2015 8:42 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9439

Re: How much is a safe car worth?

All fair points. While some among us rationalize higher auto expenses based on safety tending to buy more than otherwise natured (myself likely among this group), I don't think $7k additional per year expenditures is the most representive example of cost vs risk reduction. For example, Edmunds list...
by Blue
Tue Feb 03, 2015 9:23 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9439

Re: How much is a safe car worth?

Playing devil's advocate: The odds of an individual dying in an automobile accident in the US over the course of your car's lifetime is extremely low. According to this link at Insurance Information Institute the lifetime odds of dying in an automobile accident are 1 in 491. For our family unit of ...
by Blue
Mon Feb 02, 2015 8:54 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9439

Re: Thoughts on DFA equities?

My concern about DFA is, that it a privately held company and most likely will be sold during my investing life. When that happens, the fees/philosophy may very well change. DFA funds held in a my taxable account then are held hostage by the tax bill ( shifting to a true index fund to get out of a ...
by Blue
Mon Feb 02, 2015 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on DFA equities?
Replies: 19
Views: 1894

Re: How much is a safe car worth?

Playing devil's advocate: The odds of an individual dying in an automobile accident in the US over the course of your car's lifetime is extremely low. According to this link at Insurance Information Institute the lifetime odds of dying in an automobile accident are 1 in 491. For our family unit of ...
by Blue
Mon Feb 02, 2015 1:34 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9439

Re: How much is a safe car worth?

Playing devil's advocate: The odds of an individual dying in an automobile accident in the US over the course of your car's lifetime is extremely low. According to this link at Insurance Information Institute the lifetime odds of dying in an automobile accident are 1 in 491. For our family unit of ...
by Blue
Mon Feb 02, 2015 9:30 am
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9439

Re: How much is a safe car worth?

To clarify, I don't honestly know to what extent they have looked at alcohol related fatalities. My point is simply that I do not believe "1 drunk Subaru driver" skews the results in a meaningful way. If you don't believe me, then why don't you look at IIHS's own confidence intervals. The...
by Blue
Sun Feb 01, 2015 2:23 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9439

Re: How much is a safe car worth?

http://www.usatoday.com/story/money/cars/2015/01/30/iihs-9-car-models-safest/22571299/ Poking around with the numbers a little it seems that the safest cars cost about $13k/yr to own and operate (new then sold in 5 yrs) and the cheapest about $6k/yr. You have about a 1 in 20000 chance per year of d...
by Blue
Sun Feb 01, 2015 11:58 am
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9439

Re: How much is a safe car worth?

Let's look at the statistics hypothetically. Statistically, say a newer vehicle is 4 times safer than a Camry. What is the value of increasing you and your family's survival rate from 99.999% to 99.9999%? (Use whatever number IIHS says.) I would say the odds of you outlasting your retirement or an ...
by Blue
Sun Feb 01, 2015 11:36 am
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9439

Re: How much is a safe car worth?

Problems I see are that no one drives or buys an average composite of all new cars. Instead, you buy a vehicle with a particular make and model, that may have a lot or very little in the way of new safety features compared to an older car. The data on the safety of a particular make and model can b...
by Blue
Sun Feb 01, 2015 11:18 am
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9439

Re: How much is a safe car worth?

Problems I see are that no one drives or buys an average composite of all new cars. Instead, you buy a vehicle with a particular make and model, that may have a lot or very little in the way of new safety features compared to an older car. The data on the safety of a particular make and model can b...
by Blue
Sun Feb 01, 2015 11:10 am
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9439

Re: How much is a safe car worth?

That said, I must have missed the part on the IIHS data that it was on driver deaths only. I wonder why that's the case? This corrects for different numbers of average passengers among vehicles. So a van of five passengers doesn't get counted more heavily than a two seater sports car if there are a...
by Blue
Sun Feb 01, 2015 11:03 am
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9439

Re: How much is a safe car worth?

Problems I see are that no one drives or buys an average composite of all new cars. Instead, you buy a vehicle with a particular make and model, that may have a lot or very little in the way of new safety features compared to an older car. The data on the safety of a particular make and model can b...
by Blue
Sun Feb 01, 2015 7:57 am
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9439

Re: How much is a safe car worth?

You can check fatality rates for older models here, http://www.iihs.org/iihs/topics/driver-death-rates 2005 Camry either 46 or 55 driver fatalities per million (If you look at 2008 vs 2004 report). This gives you a basis for your existing risk compared to any potential purchase. I personally worry l...
by Blue
Sun Feb 01, 2015 7:51 am
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9439

Re: Credit card FICO, is it a gimmick? EMV+sign, useful?

I had the same thought about the FICO score because the range shows 900 as max score (instead of 850).
by Blue
Thu Jan 22, 2015 10:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit card FICO, is it a gimmick? EMV+sign, useful?
Replies: 20
Views: 2936

Re: Keurig-cup coffee makers - why?

Small incremental monetary cost vs small incremental time gain. For us, the latter is sufficiently large that it is worth the incremental cost.
by Blue
Wed Jan 21, 2015 7:36 pm
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 139
Views: 12846

Re: I'm thinking about making very large 529 contributions A

It crossed my mind. There might be a narrow window where it makes sense to heavily front load this year. I'm "staying tuned" to see how the conversation develops. No immediate plans for now.
by Blue
Wed Jan 21, 2015 6:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 76
Views: 6410

Re: Larry's New Book On Sale

Just downloaded it - thanks for the post.
by Blue
Fri Jan 16, 2015 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: Larry's New Book On Sale
Replies: 10
Views: 1849

Re: POLL: For those under $20/month/$100k: What Insurance Co

Admittedly, this is an imperfect survey subject to a number of confounding factors. At the same time, when I searched through past threads and other sites on pricing & shopping homeowners insurance, there seemed to be little guidance in terms of reasonable cost expectations or even a strong cons...
by Blue
Mon Jan 12, 2015 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: For those under $20/month/$100k: What Insurance Comp?
Replies: 11
Views: 1459

Re: POLL: Homeowners Ins cost $/month per $100k home value?

For those selecting a poll option under $20/month per $100k home value, I've added a second poll inquiring about which insurance company you use. The intent of this second poll is to generate a list of insurance companies used by bogleheads who have the more favorable insurance prices.
by Blue
Mon Jan 12, 2015 5:06 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Homeowners Ins cost $/month per $100k home value?
Replies: 42
Views: 3399
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