Search found 1100 matches

by Blue
Wed May 20, 2015 7:49 pm
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 114
Views: 8446

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

There are so many control factors that are missing in that (miles driven, age and sex of driver, where and when driven) that it's hard to be certain about that. As I said earlier medium sedan or small SUV is probably your sweet spot. Really big cars come with their own problems. Exactly this. All t...
by Blue
Wed May 20, 2015 6:34 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 193
Views: 13126

Re: Aren't we overdoing electronic auto safety features?

To be clear, that statement says: " difference between the speed of your car and the car you might hit" This means if you're going 70mph and someone cuts in front of you at 55mph, there's a difference of 15mph, so that's well within what the system can handle. The latest EyeSight "3r...
by Blue
Tue May 19, 2015 9:08 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 193
Views: 13126

Re: Aren't we overdoing electronic auto safety features?

I've been rear-ended three times. Once I got nailed by a couple doing about 50 when I was stopped for a left turn. I don't believe that even if he'd had auto-braking it would have helped much because he never saw me. Do you understand how auto-braking works? The driver doesn't need to see anything ...
by Blue
Tue May 19, 2015 4:26 pm
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 114
Views: 8446

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

It continues to surprise me how much SUV's have improved in the past fifteen years, now with a 50% lower probability of driver and occupant death than cars in 2013. (http://www.iihs.org/iihs/topics/t/vehic ... eath-rates) It shouldn't. The original SUVs were basically 2 compartment vehicles (ie lig...
by Blue
Tue May 19, 2015 6:14 am
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 114
Views: 8446

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

Care safety matters (airbags, antilock brakes etc.). SUVs were very bad (rollover protection, 2 compartment rather than 3 compartment design etc.) and have vastly improved. It continues to surprise me how much SUV's have improved in the past fifteen years, now with a 50% lower probability of driver...
by Blue
Mon May 18, 2015 5:34 am
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 114
Views: 8446

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

From another thread I started: According to data compiled by NHTSA, as of 2010 the vehicle fatality rate was 1.10 persons per 100 million vehicle miles travelled. http://www-nrd.nhtsa.dot.gov/Pubs/811552.pdf I drive and ride about 10,000 miles per year in autos, so the odds of my being killed in a ...
by Blue
Sun May 17, 2015 7:54 pm
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 114
Views: 8446

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

I pulled the latest IIHS driver fatality data (2013). (http://www.iihs.org/iihs/topics/t/vehicle-size-and-weight/fatalityfacts/passenger-vehicles#Driver-death-rates) Interesting stat that surprises me: In 2000, SUV's had slightly higher occupant death rate than cars at 135/million vs 126/million re...
by Blue
Sun May 17, 2015 7:45 pm
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 114
Views: 8446

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

The most recent study on death rates showed these cars: On the safest end of the spectrum, nine models had a death rate of zero: Audi A4 4WD, Honda Odyssey, Kia Sorento 2WD, Lexus RX 350 4WD, Mercedes-Benz GL-Class 4WD, Subaru Legacy 4WD, Toyota Highlander Hybrid 4WD, Toyota Sequoia 4WD, Volvo XC90...
by Blue
Sun May 17, 2015 2:49 pm
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 114
Views: 8446

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

I do not honestly believe SUVs are unequivocally safer. As others have mentioned, you cannot simply compare a M Class to that Legacy...because the SUV will have higher center of gravity and more likely to roll than a Legacy. Of course modern tech will have reduced it much more than say....if you we...
by Blue
Sun May 17, 2015 11:25 am
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 114
Views: 8446

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

Continuing to narrow my search, the question occurred to me. Is it better to have a heavier vehicle with less effective frontal collision prevention or a lighter vehicle with more effective frontal collision prevention? Specifically, the M class Mercedes curb weight 4722 lbs but in IIHS frontal coll...
by Blue
Sat May 16, 2015 2:21 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 193
Views: 13126

Re: Aren't we overdoing electronic auto safety features?

I haven't finished reading the entire article, but noted that the collision warning and auto-braking features showed statistically significant effects for Property Damage & Liability claims from rear-end collisions; however have not shown statistically significant effects for bodily injury clai...
by Blue
Sat May 16, 2015 4:59 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 193
Views: 13126

Re: Aren't we overdoing electronic auto safety features?

Thanks to the moderators for letting this thread run. It is personally helpful to me to learn how others digest the available safety information vs the cost of acquiring these safety features. This report by IIHS looks at Mercedes vehicles insurance claims of a specific model with vs without specifi...
by Blue
Sun May 03, 2015 8:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard vs. DFA when tax efficiency really matters
Replies: 35
Views: 2139

Re: Vanguard vs. DFA when tax efficiency really matters

There are literally hundreds of people in that firm who have dedicated their careers to their investment process. If there is a sale, which could very well happen one day, I don't believe it will affect their current funds. Even if their focus changed, which I doubt would happen, anyone buying the ...
by Blue
Fri May 01, 2015 10:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard vs. DFA when tax efficiency really matters
Replies: 35
Views: 2139

Re: Vanguard vs. DFA when tax efficiency really matters

I personally would be reluctant to hold DFA funds in a taxable account for fear of what DFA 2.0 looks like after Booth cashes out.
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: 114
Views: 8446

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 4:02 am
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 114
Views: 8446

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
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: 114
Views: 8446

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 9:47 pm
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 114
Views: 8446

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 9:46 pm
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 114
Views: 8446

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 9:43 pm
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 114
Views: 8446

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 9:16 pm
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 114
Views: 8446

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 9:02 pm
Forum: Investing - Theory, News & General
Topic: What experts say about "Stay-the-Course"
Replies: 10
Views: 3146

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 8:57 pm
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 114
Views: 8446

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 8:54 pm
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 114
Views: 8446

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 8:30 pm
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 114
Views: 8446

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: 114
Views: 8446

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
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: 114
Views: 8446

[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
Sun Apr 19, 2015 1:47 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard White Paper: "Factor-based investing" (Apr '15)
Replies: 23
Views: 3879

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

Interesting to read Vanguard's take. Thanks for posting.
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: 3126

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

I wish they had admiral shares for the MF.
by Blue
Thu Mar 26, 2015 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Designing a superior 401k plan
Replies: 6
Views: 540

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
Sun Mar 15, 2015 7:00 am
Forum: Investing - Theory, News & General
Topic: How much international is too much?
Replies: 113
Views: 10323

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
Sat Mar 14, 2015 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Should tilters recommend tilting to beginners?
Replies: 49
Views: 3186

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 07, 2015 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Protect rollover IRA from potential lawsuit
Replies: 41
Views: 4753

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
Fri Mar 06, 2015 9:40 pm
Forum: Investing - Theory, News & General
Topic: 3 Costs Investors Must Control
Replies: 61
Views: 5943

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 5:46 am
Forum: Investing - Theory, News & General
Topic: 3 Costs Investors Must Control
Replies: 61
Views: 5943

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
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: 12949

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 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Maximum amount in a 529 for an 8 year old?
Replies: 9
Views: 1099

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
Fri Feb 13, 2015 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 93
Views: 15848

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
Tue Feb 10, 2015 7:54 pm
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 10003

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
Mon Feb 09, 2015 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Amica burned me, now what...
Replies: 43
Views: 5267

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
Fri Feb 06, 2015 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Crestbrook vs Chubb Home Insurance
Replies: 8
Views: 594

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 9:04 am
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 10003

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 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Crestbrook vs Chubb Home Insurance
Replies: 8
Views: 594

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
Thu Feb 05, 2015 8:53 pm
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 10003

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
Wed Feb 04, 2015 8:42 pm
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 10003

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
Tue Feb 03, 2015 9:23 pm
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 10003

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
Mon Feb 02, 2015 8:54 pm
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 10003

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 2:30 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on DFA equities?
Replies: 19
Views: 2071

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 1:34 pm
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 10003

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: 10003

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 ...

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