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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: 1671

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: 67
Views: 4740

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: 71
Views: 5230

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: 1755

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: 1278

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: 3134

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

I edited the poll adding an option for those paying more than this amount to more readily view the results.
by Blue
Sun Jan 11, 2015 10:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: For those under $20/month/$100k: What Insurance Comp?
Replies: 11
Views: 1278

POLL: For those under $20/month/$100k: What Insurance Comp?

This is a follow-up poll from the poll asking cost $/month of homeowners insurance per $100k home value . If you answered $20 or below per month per $100,000 house value, you are in the most favorable 30% of the initial 51 entries. If you fit this select group, what insurance company do you use? The...
by Blue
Sun Jan 11, 2015 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: For those under $20/month/$100k: What Insurance Comp?
Replies: 11
Views: 1278

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

What do you pay in dollars per month for every $100,000 of your home value for a standard single family homeowners insurance policy (HO-3)? Use the home value for which you are insured, not some other estimate of home value. The intent of this poll is to generate a range of prices that participants ...
by Blue
Sun Jan 11, 2015 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Homeowners Ins cost $/month per $100k home value?
Replies: 42
Views: 3134

Re: We miss Larry Swedroe

So very true! Noticed the absence myself and hoped it was just holiday vacation time.
by Blue
Sun Jan 11, 2015 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: We miss Larry Swedroe
Replies: 28
Views: 7434

Re: Physician owned building versus rent

My experience from being involved in two of these very successful type deals and from your description above, is that the risk is largely born by the medical practice (i.e., long-term lease with fixed rent schedule) and the fruits of the reward go to the physician owners of the building LLC. Since y...
by Blue
Sat Jan 10, 2015 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician owned building versus rent
Replies: 16
Views: 1423

Re: Can I retire early? 38 y/o

I think the biggest risk is lifestyle creep. In a $900k home, how many of your neighbors are living on high five figures?

From personal experience, raising a family with kid(s) in an upscale community is not a cheap endeavor.
by Blue
Fri Jan 09, 2015 10:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire early? 38 y/o
Replies: 89
Views: 10514

Re: Purchasing a car with credit cards for cash back rewards

We tried it with last two car purchases, each dealership capped at $3k.
by Blue
Fri Jan 09, 2015 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing a car with credit cards for cash back rewards?
Replies: 36
Views: 3372

Re: 2014 BOGLEHEAD CONTEST WINNER

Very nice!
by Blue
Thu Jan 01, 2015 9:50 am
 
Forum: Investing - Theory, News & General
Topic: 2014 BOGLEHEAD CONTEST WINNER
Replies: 23
Views: 2440

Re: Factor return premiums: academic theory vs. what you'll

Nice article. I'd add the ability "to stay the course" due to tracking error as a potential cost. Giving up on a strategy at the wrong time is a surefire way to underperform the market. Tracking error (both magnitude and length of tracking error) and the "noise" from finance lite...
by Blue
Tue Dec 23, 2014 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: Factor return premiums: academic theory vs. what you'll get
Replies: 9
Views: 1230

Re: Don't be tempted to buy your teen a cheap (old) car, par

I'll buy the ESC, there is strong data to support that. But major safety improvements like ESC don't happen every year. Maybe not even every 10 years. Anybody in the car industry here know of anything in the pipeline that would even approach the breakthrough that ESC was? And I can't help but think...
by Blue
Sun Dec 21, 2014 1:20 pm
 
Forum: Personal Consumer Issues
Topic: Don't be tempted to buy your teen a cheap (old) car, parents
Replies: 139
Views: 11612

Re: Another Great Asness/AQR Blog Post - Perspective

I couldn't get the links to the article to work either.
by Blue
Sat Dec 13, 2014 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: Another Great Asness/AQR Blog Post - Perspective
Replies: 38
Views: 2763

Re: Designing a vanguard 401k plan for a small company

We're in the process of switching our existing plan to Vanguard now. My understanding is that Vanguard will help you select funds as you work through plan set-up. Alternatively, you can also purchase through Vanguard ERISA support at two different priced levels (3 bps is lower) where a contracted th...
by Blue
Wed Nov 26, 2014 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Designing a vanguard 401k plan for a small company
Replies: 4
Views: 615

Lamps for S.A.D. problem

I bought one a few years ago. Marginal improvement for me but my compliance was probably suboptimal. Couple years ago I had a "mid-life crisis" and hired a personal trainer who comes to my house. I aim to get 300 minutes of moderate to vigorous exercise per week to maximize health benefits...
by Blue
Mon Nov 24, 2014 10:57 pm
 
Forum: Personal Consumer Issues
Topic: Lamps for S.A.D. problem
Replies: 18
Views: 1777

Re: a look at the size premium and BtM

Always enjoy your articles Larry. Nicely written as usual. Interesting terminology, "economically significant" vs "statistically significant". I interpret the former as, "would have made the investor a significant return but could have been because of random luck that may no...
by Blue
Mon Nov 24, 2014 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: a look at the size premium and BtM
Replies: 5
Views: 810

Re: Update on the ascent of CAPE

Of course, you can't use PE/10 to time the market. But it's interesting that if you had switched your allocation from 100% in stocks to 100% in intermediate treasuries in January, 1996 (when PE10 breached 27) you could have stayed 100% in treasuries until 2009 (14 years) and gotten the same compoun...
by Blue
Mon Nov 24, 2014 7:06 pm
 
Forum: Investing - Theory, News & General
Topic: Update on the ascent of CAPE
Replies: 19
Views: 1568

Re: Paid off our Mortgage this evening!

Kudos!
by Blue
Sun Nov 23, 2014 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 75
Views: 10534

Re: 529 Plan - when to stop contributing?

We view our 529's as a subset of our portfolio that is aimed for long term financial support of a multigenerational emphasis on higher education that we hope to cultivate for our descendants. Anything not used by our kids for their education hopefully will be used by our grandkids. Rough dollar amou...
by Blue
Sat Nov 22, 2014 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: 529 Plan - when to stop contributing?
Replies: 15
Views: 2057

Re: interesting paper: facts and fantasies on factor investi

Nice paper - thanks for posting it Larry.

This "fact" from the conclusion surprised me -

Risk factors are local, not global. It means that risk factors are not homogenous. For instance, the value factors in the US and Japan can not be compared (distressed stocks vs quality stocks).
by Blue
Sat Nov 22, 2014 10:30 am
 
Forum: Investing - Theory, News & General
Topic: interesting paper: facts and fantasies on factor investing
Replies: 5
Views: 1031

Re: An alternative to alternative investments [QSPIX]

If magnitudes of premia are reduced going forward but still positive, at what level of reduction in premia should an investor worry that this is not a good ex ante risk vs reward expectation? For example, if an investor believes premia will be halved going forward - should this investor still consid...
by Blue
Wed Nov 19, 2014 10:24 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 270
Views: 30926

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

I wish every financial piece the author/speaker was required to reveal financial conflicts of interest or the absence of such conflicts.
by Blue
Wed Nov 19, 2014 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 155
Views: 29535

Re: How can I find out the actual value of my car?

My BIL used to work for a dealer. They had a database of auction values of actual transactions for cars by model, year, mileage, etc. It provided great comps to get an estimate of car value.

Unfortunately, I've never found anything exactly like this publicly available on the Internet.
by Blue
Mon Nov 10, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: How can I find out the actual value of my car?
Replies: 19
Views: 2983

Re: Morbid Question

I have outlined a multiple page letter included where we keep our life insurance documents outlining what my wife should do in the event of my death. Accounts, passwords, philosophies, using this board as a sounding board, etc. There have been a few other good threads on this topic in the past. Prob...
by Blue
Mon Nov 03, 2014 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Morbid Question
Replies: 28
Views: 4171

Re: The safest 4 door sedan out there

I'm also surprised no one mentioned Tesla S , as this was heavily reported in the news recently as being the safest car ever tested. NHTSA rates it 5 stars in every category, something only 1% of tested cars achieve. The Tesla even famously broke the test equipment . http://www.teslamotors.com/abou...
by Blue
Thu Oct 30, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4734

Re: The safest 4 door sedan out there

When comparing safety among luxury cars, I've always been impressed that Mercedes E class is one of the few models routinely tested by the large agencies (unlike the S class, Lexus LS, Range Rover's, etc). Not sure this has a practical impact on safety of these vehicles, but if there is safety flaw ...
by Blue
Thu Oct 30, 2014 5:40 am
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4734

Re: The safest 4 door sedan out there

I am not sure "stop on a dime considering their weight" is a known effect. Because Kinetic Energy is proportional to the square of the impact velocity, I've always believed that stopping ability has an outsized impact on vehicle safety. It is one of the reasons (I believe) active forward ...
by Blue
Thu Oct 30, 2014 5:31 am
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4734

Re: The safest 4 door sedan out there

I would submit that there really is no answer. There are certainly tests and results from those tests. Does that prove that a car is the safest? I doubt it. Are the tests and their weightings coorelated with real world results? I don't know. Seeing how Mercedes invented most of the safety related f...
by Blue
Wed Oct 29, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4734

Re: VFWAX vs. VTIAX

VTIAX also invests in Canada where VFWAX does not. As a consequence VTIAX holds more companies than VFWAX and also has lower annual turnover. Vanguard's website indicates VFWAX has 6.8% allocation to Canada. (VTIAX has 7.6% allocation to Canada). This used to be a difference between the two funds (...
by Blue
Wed Oct 29, 2014 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: VFWAX vs. VTIAX
Replies: 9
Views: 1570

Re: The safest 4 door sedan out there

CountryBoy wrote:Mercedes E class
InformedForLife.org Safety Assessment NOT RECOMMENDED:
[NHTSA overall rating in bottom 59%]
[NHTSA frontal impact rating in bottom 72%]

And yet it has the lowest driver fatality rate ever in IIHS fatality report (so does Audi A6).
by Blue
Wed Oct 29, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4734

Re: The safest 4 door sedan out there

Mercedes E class
by Blue
Wed Oct 29, 2014 3:42 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4734

Re: Best town I've never heard of [for relocating]

Carmel, Indiana
by Blue
Wed Oct 15, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 10579

Re: New case of Ebola in U.S.: Is it the latest market headw

I'm sure it's affected it in some way. There are those who believe the end is neigh. Because each week the news has gotten worse, their fears become more and more "validated." Admittedly I have been thrown for a loop myself but I'm not panicking. When it all first started I never thought ...
by Blue
Wed Oct 15, 2014 8:17 pm
 
Forum: Investing - Theory, News & General
Topic: New case of Ebola in U.S.: Is it the latest market headwind?
Replies: 13
Views: 1330

Re: Asset allocation market timing strategy inspired by John

Investor actions commonly leads to ~200 bps of underperformance relative to the mutual fund returns (dollar weighted vs time weighted returns). Tinkering with the asset allocation over time presents significant risk to the investor and should not be undertaken lightly. When hearing the siren song of...
by Blue
Sun Oct 05, 2014 6:28 am
 
Forum: Investing - Theory, News & General
Topic: Asset allocation market timing strategy inspired by John B
Replies: 43
Views: 3645

Re: Due diligence on RAFI Pure Small Value

Does PowerShares give back 100% of securities lending revenue?
by Blue
Wed Sep 17, 2014 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: Due diligence on RAFI Pure Small Value
Replies: 189
Views: 18439

Re: CalPERS Eliminates Hedge Fund Program

A large institution like Calpers cannot put, say, 10% of their portfolio of ~300 bn into microcaps or even SV without distorting prices. Thus their exposure to really small stocks will not have much of an impact on their portfolio returns. A small investor can do it. Which is what Larry stated, as ...
by Blue
Wed Sep 17, 2014 5:07 pm
 
Forum: Investing - Theory, News & General
Topic: CalPERS Eliminates Hedge Fund Program
Replies: 44
Views: 3321

Re: CalPERS Eliminates Hedge Fund Program

And unlike us small investors who can heavily load on factors like small/value CALPERS really is too big to do that, cannot put tens of billions into small corner of the market , so don't see how they can get there from here without lots of luck. Larry Why is this true? In comparison to "tens ...
by Blue
Mon Sep 15, 2014 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: CalPERS Eliminates Hedge Fund Program
Replies: 44
Views: 3321

Re: Why no more Vanguards

I recall Bill Bernstein making the point that instead of Booth et al selling off DFA funds to the highest bidder, they should instead "Vanguardize" it. Not sure exactly how the mechanics would work, but one can envision it being in the realm of possible.
by Blue
Fri Sep 05, 2014 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why no more Vanguards
Replies: 36
Views: 5087

Re: Let me get this straight about SCV & factor diversificat

countmein wrote:. I happen to believe with more certainty that small value will get absolutely obliterated in deflationary times more than I believe that it will outperform by any wide margin in 'normal times'.


Curious why you believe this?
by Blue
Thu Sep 04, 2014 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: Let me get this straight about SCV & factor diversification
Replies: 153
Views: 9820

Re: 100% Stock Thread Collection

Hi guys, Purchasing an indexed call contract involves no borrowing of money. Why not go from 100% to 105% stocks by investing 98% in stocks and 2% in indexed stock call options. What is the big extra risk here? The worst that can happen to the options is that they expire worthless and your portfoli...
by Blue
Wed Sep 03, 2014 4:11 am
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Thread Collection
Replies: 93
Views: 5908

Re: 100% Stock Thread Collection

I have trouble understanding why those who believe 100% allocation to stocks is a good idea, wouldn't also believe that investing more than 100% would be an even better idea. So why don't we see threads advocating 105% or 110% stocks? Where is the magic in 100%? BobK This is a very good question. F...
by Blue
Tue Sep 02, 2014 8:34 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Thread Collection
Replies: 93
Views: 5908

Re: 100% Stock Thread Collection

Here's one from Feb 2009. Having a reasonable expectation of significant future portfolio contributions relatively to portfolio size has helped us maintain 100% stock since mid '90's. Also, diversifying across factors and geographies within 100% stock has been helpful. http://www.bogleheads.org/foru...
by Blue
Mon Sep 01, 2014 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Thread Collection
Replies: 93
Views: 5908

Re: Give Your Portfolio Room To Maneuver-DFA/Bridgeway

The balanced fund has higher size and value loads than the barbell approach. Why does the author not address how this impacts the three year performance difference in his analysis? Why doesn't the difference in load factors explain the performance difference?
by Blue
Sat Aug 23, 2014 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: Give Your Portfolio Room To Maneuver-DFA/Bridgeway
Replies: 13
Views: 1942

Re: I need "Ultra High Net Worth" investing advice please

At this level of assets, you are eligible for flagship select service at Vanguard which should provide quite a bit of hand holding if you want it. That said, I've never been impressed that the principles needed to manage an eight figure portfolio are that much different than a seven or six figure po...
by Blue
Sat Aug 23, 2014 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 227
Views: 21546
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