Search found 1119 matches

by Blue
Sun Jan 17, 2016 2:54 pm
Forum: Investing - Theory, News & General
Topic: Does an Emerging Markets "factor" pop out of factor analysis for international stocks?
Replies: 26
Views: 1915

Re: Does an Emerging Markets "factor" pop out of factor analysis for international stocks?

Interesting question.

I would guess the risk is reflected in the increased standard deviation/volatility and not a separate identifiable factor but with usual caveats of a very limited data set.

Curious to learn the answer though -
by Blue
Sun Jan 17, 2016 2:29 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime: doing the math...is it worth it?
Replies: 92
Views: 9239

Re: Amazon Prime: doing the math...is it worth it?

Since having Alexa, Amazon prime's music service has become increasingly valuable to our household. It was a surprise huge hit with kids and adults over the holidays.
by Blue
Sat Jan 09, 2016 11:04 am
Forum: Investing - Theory, News & General
Topic: Small value underperformance, DFA
Replies: 106
Views: 8852

Re: Small value underperformance, DFA

4. How much has a value tilt cost me over the last 10 years? I have a 75:25 stock:bond portfolio with a small cap and value tilted portfolio (0.2 size and 0.4 value load target). My annualized returns have been +0.3% higher than a 75:25 World Total Stock:US Total Bond portfolio over last 10 years, ...
by Blue
Thu Jan 07, 2016 10:31 pm
Forum: Investing - Theory, News & General
Topic: Small value underperformance, DFA
Replies: 106
Views: 8852

Re: Small value underperformance, DFA

The OP's points are even more pronounced when looking at investor/dollar weighted returns. Looking at M* investor returns, the 15 yr returns are 7.32% for VTSMX vs 8.39% for DFSVX. The 10 yr returns are 8.2% for VTSMX vs 4.56% for DFSVX. Investor dollars newly invested in the DFA approach over the l...
by Blue
Mon Dec 28, 2015 1:54 pm
Forum: Personal Consumer Issues
Topic: Road trip from Florida to Chicago with 7-year-old, what should we see?
Replies: 27
Views: 2315

Re: Road trip from Florida to Chicago with 7-year-old, what should we see?

In addition to the other great options, Kentucky Down Under with the kangaroos is fairly unique and probably worth the stop.
by Blue
Sun Nov 29, 2015 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: "Sin stocks"
Replies: 42
Views: 5759

Re: "Sin stocks"

When I read the thread titled I wondered if sin stocks would provide additional returns and wonder even more so after reading the thread. Hmmm, another factor :D On a serous note, perhaps it might be simpler to buy the TSM fund and then short the few stocks/sectors which bother you to net a neutral...
by Blue
Sun Nov 29, 2015 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: "Sin stocks"
Replies: 42
Views: 5759

Re: "Sin stocks"

When I read the thread titled I wondered if sin stocks would provide additional returns and wonder even more so after reading the thread. Hmmm, another factor :D On a serous note, perhaps it might be simpler to buy the TSM fund and then short the few stocks/sectors which bother you to net a neutral ...
by Blue
Mon Nov 09, 2015 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Offering Health Insurance Premiums to Employees - Taxation
Replies: 4
Views: 507

Re: Offering Health Insurance Premiums to Employees - Taxation

BruDude wrote:There is value in keeping the employees happy, but where is the line drawn?


Each year we've asked ourselves this question and this seems likely to be the year where the line is drawn unhappily and with much angst.
by Blue
Mon Nov 09, 2015 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Offering Health Insurance Premiums to Employees - Taxation
Replies: 4
Views: 507

Re: Offering Health Insurance Premiums to Employees - Taxation

Has the group looked into self-funded plans with a stop-loss? Often a good alternative to fully-insured plans depending on the area/industry and overall health of the group. This is what we've had the past few years with a single random extraordinarily high claims individual each year. This year re...
by Blue
Mon Nov 09, 2015 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Offering Health Insurance Premiums to Employees - Taxation
Replies: 4
Views: 507

Offering Health Insurance Premiums to Employees - Taxation

Is there a way to provide employees a dollar stipend to buy health insurance on their own in the open market or through the exchanges (or other health related services) that is not taxable to the employee as a benefit? Is offering an employer purchased group health plan the only way that this cost d...
by Blue
Sun Oct 25, 2015 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: P2P Lending - Anyone try it?
Replies: 75
Views: 7053

Re: P2P Lending - Anyone try it?

high yield corporates makes more sense than this. Why? They have reasonably high correlation with publicly traded equities as well as with higher quality bonds. Whereas P2PL seem to have very low correlation with both. Sure, the data is limited, but at what point would you judge it to be enough. 20...
by Blue
Sun Oct 25, 2015 1:33 pm
Forum: Investing - Theory, News & General
Topic: What's wrong with this picture - Small Value/Growth
Replies: 67
Views: 4596

Re: What's wrong with this picture - Small Value/Growth

To me, the graph eloquently shows that an investor tilting to either should be prepared to have extended periods of underperformance/tracking error.
by Blue
Sat Oct 24, 2015 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: P2P Lending - Anyone try it?
Replies: 75
Views: 7053

Re: P2P Lending - Anyone try it?

What is the correlation? I have found most claims are to the contrary: http://www.lendingmemo.com/p2p-lending-uncorrelated-asset-class/ http://peerfinance101.com/avoid-3-investment-risks-peer-lending/ https://www.bogleheads.org/forum/viewtopic.php?t=133307 https://daraalbright.files.wordpress.com/2...
by Blue
Sat Oct 24, 2015 10:45 am
Forum: Investing - Help with Personal Investments
Topic: P2P Lending - Anyone try it?
Replies: 75
Views: 7053

Re: P2P Lending - Anyone try it?

Online peer-to-peer lending was still very much in its infancy during the last recession so I am looking forward to seeing how it fairs during the next one. My sneaking suspicion is that these loans are going to be among the first things people stop paying when things get tough. http://www.lendacad...
by Blue
Fri Oct 23, 2015 5:41 pm
Forum: Personal Consumer Issues
Topic: How to save on prescription when you have high deductible plan?
Replies: 30
Views: 1705

Re: How to save on prescription when you have high deductible plan?

Philador is legit. Many of our patients save money buying their medications through the manufacturer partnered specialty pharmacy. Not sure how Valeants current situation (i.e., the manufacturer specialty partnered pharamacy being investigated by the Feds) is going to impact this model in coming mon...
by Blue
Fri Oct 16, 2015 2:05 pm
Forum: Investing - Theory, News & General
Topic: "Stocks for the Long Run? Really?
Replies: 41
Views: 7978

Re: "Stocks for the Long Run? Really?

I've always thought that these types of articles would be more meaningful to the typical reader if they more accurately reflected typical accumulation/decummulation patterns rather than a single start/stop date. The vast majority of us have many starting points and ending dates for investment dollar...
by Blue
Sun Sep 13, 2015 11:34 am
Forum: Investing - Theory, News & General
Topic: The random road to portfolio returns over your lifetime
Replies: 10
Views: 1145

Re: The random road to portfolio returns over your lifetime

As I read the article, the graph does not include periodic contributions throughout the the 20 year period?
by Blue
Sun Aug 02, 2015 2:04 pm
Forum: Investing - Theory, News & General
Topic: Houston, we have a problem... [Small cap historical performance]
Replies: 57
Views: 5573

Re: Houston, we have a problem... [Small cap historical performance]

Unfortunately Vanguard's small cap fund used to be tied to the R2k, an awful index which underperformed by something like 2% a year because it was easily exploited Hope that helpful Larry I don't believe this applies to Vanguard's small value fund though. From the wiki; The Vanguard Small Cap, Smal...
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: 11219

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: 263
Views: 27757

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: 263
Views: 27757

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: 11219

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: 11219

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: 11219

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: 11219

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: 11219

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: 11219

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: 11219

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: 263
Views: 27757

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: 263
Views: 27757

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: 3163

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: 3163

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: 11219

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: 11219

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: 11219

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: 11219

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: 11219

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: 11219

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: 11219

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: 4159

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: 11219

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: 11219

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: 11219

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: 11219

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: 11219

[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: 4704

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: 3630

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: 647

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: 12349

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?

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