Search found 34735 matches

by nisiprius
Sun Apr 22, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2976
Views: 916890

Re: What Book Are You Currently Reading? Part VI

I just finished a blast from the past: "John Blaine" (Hal Goodwin)'s The Rocket's Shadow, the first in the juvenile series of "Rick Brant Electronic Adventures." When I was reading them at about age 9 or 10, I felt faintly dissatisfied by the science and engineering details, but couldn't quite put m...
by nisiprius
Sun Apr 22, 2018 3:17 pm
Forum: Investing - Theory, News & General
Topic: Gotham Enhanced Value Index
Replies: 21
Views: 3998

Re: Gotham Enhanced Value Index

As a "stay the course" investor, I want to invest in funds I can hold for a long time. In 2011, Greenblatt launched four "Formula Investing" funds that were supposed to embody his "Magic Formula:" Gotham Absolute Return Fund (GARIX), Gotham Enhanced Return Fund (GENIX), Gotham Absolute 500 Fund (GFI...
by nisiprius
Sun Apr 22, 2018 2:26 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 114
Views: 5308

Re: Boglehead Philosophy Open To Change?

I think the part of the Boglehead philosophy that often gets missed or misunderstood is "Invest with simplicity." It is the whole business of satisficing rather than optimizing. The straw man is "Bogleheads claim their philosophy and/or the three-fund portfolio is optimum." We don't. Speaking for my...
by nisiprius
Sun Apr 22, 2018 7:18 am
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 107
Views: 5514

Re: I’m still not a fan of international bond funds

Personally, I just don't care. The closest thing I know to a longer "history" for a currency-hedged international bond mutual fund I know would be a PIMCO fund, "PIMCO Global Bond (US Dollar-Hedged) Fund" (blue) with an 0.55% expense ratio. I compared it to Vanguard Total Bond (orange). Based on, yo...
by nisiprius
Sat Apr 21, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: "Making decisions based on past performance works (except when it doesn’t)"
Replies: 9
Views: 1163

Re: "Making decisions based on past performance works (except when it doesn’t)"

I can't speak for other investors but, no, I do not base my choice to use index funds on the basis of past performance. 1) I expect Vanguard and other low-cost total market index funds to beat the average active fund because before costs, the average of all actively managed funds must match the mark...
by nisiprius
Sat Apr 21, 2018 4:44 pm
Forum: Investing - Theory, News & General
Topic: "Making decisions based on past performance works (except when it doesn’t)"
Replies: 9
Views: 1163

Re: "Making decisions based on past performance works (except when it doesn’t)"

...99% of Vanguard's business is based on the widespread belief that past stock market returns predict future returns. How many investors would Vanguard have today if the stock market were at 1/3 level of what it was in 2011, instead of 3X higher?.... So what? Neither Taylor nor Vanguard nor the st...
by nisiprius
Sat Apr 21, 2018 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Healthcare ETF to Invest in Cannabis?
Replies: 4
Views: 326

Re: Healthcare ETF to Invest in Cannabis?

Tycoon wrote:
Sat Apr 21, 2018 1:48 pm
Has Bogleheads.org jumped the shark?
Maybe it jumped the shark on Wed Nov 14, 2012

How to invest in legalized marijuana

Posted by respected poster Stratton, 11,802 posts, who was not advocating it, but was interested in a MarketWatch article about it.
by nisiprius
Sat Apr 21, 2018 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Healthcare ETF to Invest in Cannabis?
Replies: 4
Views: 326

Re: Healthcare ETF to Invest in Cannabis?

I think it's a really bad idea. Making a sector bet is a bad idea. Making narrow, undiversified investment in a industry that's smaller than a whole sector is a worse idea. Making a speculative investment based on really obvious things that everybody knows is a an even worse idea. Your hypothetical ...
by nisiprius
Sat Apr 21, 2018 1:03 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 107
Views: 5514

Re: I’m still not a fan of international bond funds

What's with this? On this one, the second, did Vanguard lock in an interest rate of 1.5% until 2086? Wow. That's thinking ahead. That's... counting on fingers... 68 years from now. A lot of us will never know how that investment turned out.

Image
by nisiprius
Sat Apr 21, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Why is a share price for Schwab much cheaper than Vanguard?
Replies: 10
Views: 1049

Re: Why is a share price for Schwab much cheaper than Vanguard?

Schwab is selling you quarts and Vanguard is selling you gallons. And the unit price per quart is about the same. I don't want to fuss over small details here (like the proportion of the fund's cash holdings, etc.) But we can do some rough math. For VFINX, in the 12/31/2017 annual report, I am seein...
by nisiprius
Sat Apr 21, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Long term care ins John Hancock
Replies: 31
Views: 1254

Re: Long term care ins John Hancock

We bought a long-term-care insurance policy from John Hancock in 2003. Since we haven't had to use it I can't tell you anything useful about how they deal with claims. They have good enough records that they remember to mail us various annual notices. We keep our copy of the policy, with the coverag...
by nisiprius
Sat Apr 21, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Bonds beat stocks ?
Replies: 10
Views: 832

Re: Bonds beat stocks ?

It is accurate to say that in the United States, over the period from 1926 to the present, measuring by standard deviation, that bonds generally have had lower risk and lower return than stocks and that stocks generally have had higher risk and higher return than bonds. Because of the higher volatil...
by nisiprius
Fri Apr 20, 2018 9:17 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 107
Views: 5514

Re: I’m still not a fan of international bond funds

I think an interesting question is: how does it benefit Vanguard to offer these funds?
by nisiprius
Fri Apr 20, 2018 5:47 pm
Forum: Investing - Theory, News & General
Topic: Interesting S & P 500 facts
Replies: 9
Views: 1734

Re: Interesting S & P 500 facts

but it is not an index of the 500 largest-cap stocks. Do you by chance know what the largest-cap companies are that are not included? Not offhand. But the list of the CRSP Large-Cap Index constituents is here . For the S&P 500, we can use either Wikipedia's list or the list of holdings of the Vangu...
by nisiprius
Fri Apr 20, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: Interesting S & P 500 facts
Replies: 9
Views: 1734

Re: Interesting S & P 500 facts

I think this is an interesting fact about the S&P 500: it is about 99% US, 1% international. Not 100% US. It doesn't actually matter; inclusion is based on being listed on a US stock exchange; and the "international" companies are in many cases former US companies that moved their legal domiciles ov...
by nisiprius
Fri Apr 20, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: How much off MSRP should one expect?
Replies: 22
Views: 1579

Re: How much off MSRP should one expect?

A perfect example of asymmetrical information. It depends on the demand for the car, which you might not know. It depends on how overpriced the MSRP is to begin with, which might not be the same for every car. It depends on what factory incentives, SPFs, whatever they call them, the dealer gets for ...
by nisiprius
Fri Apr 20, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone invest in I Bonds and why?
Replies: 40
Views: 4774

Re: Anyone invest in I Bonds and why?

I invest in them because they are the lowest-risk investment I know. Unlike bank accounts, they are protected against inflation. An absolutely key feature, which many people do not understand, is that although they are called "bonds," unlike normal marketable bonds they are free from interest rate r...
by nisiprius
Fri Apr 20, 2018 9:14 am
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 11009

Re: We crush stock indexes, Yale claims

Since I have no way I can invest directly in Yale's endowment fund, and no way I, as a "mass affluent" retail investor can duplicate the fund's investments personally, it's all irrelevant and there's no reason to care. I can either ignore it, or I can get suckered by various people and products flin...
by nisiprius
Thu Apr 19, 2018 9:21 pm
Forum: Investing - Theory, News & General
Topic: Lack of FDIC Insurance a big deal?
Replies: 39
Views: 3128

Re: Lack of FDIC Insurance a big deal?

https://imgur.com/KPMKxBQ.png Briefly: In ye olde days, meaning in between about 1952 to 1973, inflation was low. Since the Depression, banks had been tightly regulated. One issue was that banks borrowed short (paying interest on bank accounts) and loaned long (30-year fixed-rate mortgages). That w...
by nisiprius
Thu Apr 19, 2018 6:58 pm
Forum: Investing - Theory, News & General
Topic: Interesting S & P 500 facts
Replies: 9
Views: 1734

Re: Interesting S & P 500 facts

Inclusion in the S&P 500 isn't based strictly on market cap. Depending on definitions, it contains 10%-15% mid-cap. It is an index that is predominantly and on average large-cap stocks, it is "a large-cap index," but it is not an index of the 500 largest-cap stocks. S&P says that it is an index of "...
by nisiprius
Thu Apr 19, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4420

Re: Factor in evaluating Physicians

The issue, it seems to me, is the bias (especially woth drugs) of receiving compensation related to prescribing expensive drugs from the manufacturers. Do you really think that the average physician is going to be influenced adversely by a pizza or sub-sandwich lunch for him/her and some of the off...
by nisiprius
Thu Apr 19, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4420

Re: Factor in evaluating Physicians

I see nearly every doctor from my city on this list. What am I supposed to do with this knowledge? Be aware of it; perhaps be ready to at least ask a question or two if your doctor is recommending a drug that's being advertised direct-to-the-consumer on TV, for which there are old equivalents; and ...
by nisiprius
Thu Apr 19, 2018 8:17 am
Forum: Investing - Theory, News & General
Topic: Unimpressive category averages of managed futures, multialternative, market neutral, etc.
Replies: 82
Views: 5061

Re: Unimpressive category averages of managed futures, multialternative, market neutral, etc.

With regard to the nature of the BTOP50 index, I emailed BarclayHedge with some questions and received a reply saying: --returns are net of fees --the April return as of April 18 reflects an estimate of the Index return from April 1 - 17 based on the daily returns of he underlying funds. --The advis...
by nisiprius
Thu Apr 19, 2018 8:11 am
Forum: Investing - Theory, News & General
Topic: Goof? Prime MM, "retail," "Admiral," $5 million minimum?
Replies: 20
Views: 2607

Re: Goof? Prime MM, "retail," "Admiral," $5 million minimum?

[And a later edit - I found Vanguard's announcement of the name change from Institutional to Admiral - https://pressroom.vanguard.com/news/Press_Release_Vanguard_Prime_Tax_Exempt_MMF_for_Indiv_06.16.15.html Bingo. Thanks to Dantes and to whose who pointed out that institutions can't hold this any m...
by nisiprius
Thu Apr 19, 2018 6:38 am
Forum: Investing - Theory, News & General
Topic: Lack of FDIC Insurance a big deal?
Replies: 39
Views: 3128

Re: Lack of FDIC Insurance a big deal?

It's not totally meaningless. As far as I know, to date, there has been exactly one money market mutual fund that has ever collapsed, and oddly enough it was the grandaddy of them all, the Reserve Primary Money Market Fund. The final outcome was that all of the fund's investors eventually got almost...
by nisiprius
Thu Apr 19, 2018 6:10 am
Forum: Investing - Theory, News & General
Topic: Goof? Prime MM, "retail," "Admiral," $5 million minimum?
Replies: 20
Views: 2607

Re: Goof? Prime MM, "retail," "Admiral," $5 million minimum?

munemaker wrote:
Thu Apr 19, 2018 6:04 am
No, I don't think it is a mistake.

The Admiral shares are to pass lower expense ratios on to larger account holders (not for pikers).
Every other Admiral share-class fund I know of has a minimum of either $10,000 (index funds) or $50,000 (non-index funds).
by nisiprius
Thu Apr 19, 2018 5:52 am
Forum: Investing - Theory, News & General
Topic: Goof? Prime MM, "retail," "Admiral," $5 million minimum?
Replies: 20
Views: 2607

Goof? Prime MM, "retail," "Admiral," $5 million minimum?

Do you think this is a goof and someone typed "Admiral" when they meant to type "Institutional?" It's too rich for my blood, that's for sure. VMMRX web page https://imgur.com/t53FTHQ.png It's "fund number" 0066; the best evidence I see of a goof is that the actual HTML page title code is "<TITLE>Van...
by nisiprius
Thu Apr 19, 2018 5:47 am
Forum: Investing - Theory, News & General
Topic: The cost of maintaining stable NAV in money market funds
Replies: 5
Views: 705

Re: The cost of maintaining stable NAV in money market funds

Tangentially, I was surprised to realize that the Vanguard Prime Money Market Fund currently has the highest expense ratio of all the mutual funds I hold. It's not that it's a big deal or worth fussing about, but... does know where to find past expense ratios? I'm almost sure that it used have the l...
by nisiprius
Wed Apr 18, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to argue for S&P
Replies: 15
Views: 938

Re: How to argue for S&P

Very likely the people who select funds for your 401(k) only choose funds that have outperformed in the past, so it's 20/20 hindsight. The problem is that there's no evidence that outperformance persists. For example, Morningstar has officially acknowledged that its star ratings do not show persiste...
by nisiprius
Wed Apr 18, 2018 4:05 pm
Forum: Investing - Theory, News & General
Topic: Unimpressive category averages of managed futures, multialternative, market neutral, etc.
Replies: 82
Views: 5061

Re: Unimpressive category averages of managed futures, multialternative, market neutral, etc.

Barclay BTOP50 Index The BTOP50 Index seeks to replicate the overall composition of the managed futures industry with regard to trading style and overall market exposure. The BTOP50 employs a top-down approach in selecting its constituents. The largest investable trading advisor programs, as measur...
by nisiprius
Wed Apr 18, 2018 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me with arguments for/against actively managed...
Replies: 34
Views: 1569

Re: Please help me with arguments for/against actively managed...

There is a classic article out there called "Alpha Hunters and Beta Grazers" by Martin Leibowitz. It talks about under what conditions you should be active - "Alpha", and when passive - "Beta" It is here, Leibowitz, Martin A., Alpha Hunters and Beta Grazers. Financial Analysts Journal, Vol. 61, No....
by nisiprius
Wed Apr 18, 2018 3:52 pm
Forum: Investing - Theory, News & General
Topic: Unimpressive category averages of managed futures, multialternative, market neutral, etc.
Replies: 82
Views: 5061

Re: Unimpressive category averages of managed futures, multialternative, market neutral, etc.

Lack_ey, I agree that the shape of the BTOP50 index looks more like some kind of continuous, smooth slowdown, not a corner at 2007. I'm not quite sure what the BTOP50 Index is; these don't seem to be mutual funds: AlphaGen Capital Limited (Long Short Agriculture Fund AlphaSimplex Group, LLC (Managed...
by nisiprius
Wed Apr 18, 2018 12:56 pm
Forum: Investing - Theory, News & General
Topic: Unimpressive category averages of managed futures, multialternative, market neutral, etc.
Replies: 82
Views: 5061

Re: Unimpressive category averages of managed futures, multialternative, market neutral, etc.

...So, what am I to conclude? course of action?... In my case, my chosen course of action is: Ignore "innovative" mutual funds that, for the first time, finally bring to retail investors strategies and asset classes, formerly available only to sophisticated wealthy investors, hedge funds, and insti...
by nisiprius
Wed Apr 18, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Weighted Expense Ratio Calculator
Replies: 7
Views: 698

Re: Weighted Expense Ratio Calculator

I just look at my list of holdings on Vanguard's websites, see that the highest expense ratio of any fund I own is 0.16%, figure the weighted ratio must be lower than that, and, frankly, feel that's all I need to know. The last time I calculated a weighted average expense ratio was when someone is f...
by nisiprius
Wed Apr 18, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Rise in rates continues - good for fixed income investors and banks
Replies: 6
Views: 1144

Re: Rise in rates continues - good for fixed income investors and banks

It also feels more like "normal equilibrium." And personally, at the moment, being a retiree with important cash and bond allocations, my unhappiness at the one-year return for Vanguard Total Bond and Vanguard Inflation-Protected Securities only having been 0.09% and 0.38% respectively, is tolerable...
by nisiprius
Wed Apr 18, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Theoretical question. What would happen if 100% of investors are buy and hold.
Replies: 19
Views: 2014

Re: Theoretical question. What would happen if 100% of investors are buy and hold.

This "theoretical question" is, in fact, a standard (and nonsensical) talking point that is often made as an attack on index funds. It makes as much sense as asking Theoretically, what would happen if every 100% of all Apple stockholders placed "sell" orders for all of their Apple shares? Theoretica...
by nisiprius
Wed Apr 18, 2018 7:16 am
Forum: Investing - Theory, News & General
Topic: Unimpressive category averages of managed futures, multialternative, market neutral, etc.
Replies: 82
Views: 5061

Re: Unimpressive category averages of managed futures, multialternative, market neutral, etc.

...The raison d'etre of CTAs (commodity trading advisors, i.e. managed futures) has always been crisis alpha... Well, look at the chart. Both the index and the category average existed in 2008-2009. What do you mean by "crisis alpha?" If you mean that they stayed level instead of plunging in 2008-2...
by nisiprius
Wed Apr 18, 2018 7:07 am
Forum: Investing - Theory, News & General
Topic: Unimpressive category averages of managed futures, multialternative, market neutral, etc.
Replies: 82
Views: 5061

Re: Unimpressive category averages of managed futures, multialternative, market neutral, etc.

Excellent thread. I'm late to the conversation. You may find these two links interesting: 1. https://s3.amazonaws.com/static.contentres.com/media/documents/1272fad4-2828-4f8e-9be2-0125290f17a7.pdf I don't find it interesting, I find it frustrating because I am 99.9% certain that it is just plain wr...
by nisiprius
Tue Apr 17, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me with arguments for/against actively managed...
Replies: 34
Views: 1569

Re: Please help me with arguments for/against actively managed...

Fund fees predict success or failure The expense ratio is the most proven predictor of future fund returns. We find that it is a dependable predictor when we run the data.... we have updated the data to show just how strong and dependable fees are as a predictor of future success. That's not to say...
by nisiprius
Tue Apr 17, 2018 6:23 pm
Forum: Investing - Theory, News & General
Topic: How Warren Buffett Won His Multi-Million Dollar Long Bet
Replies: 27
Views: 3383

Re: How Warren Buffett Won His Multi-Million Dollar Long Bet

...One question though for the Total market gurus here: Why does one of the most successful investors in the world, repeatedly stress (in his 2018 annual letter) that one should invest in the American economy for the long term, specifically the S&P 500. He never once mentions investing in the the T...
by nisiprius
Tue Apr 17, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: N.Y. Attorney General Forces Vanguard, BlackRock, Others To Disclose Active Share
Replies: 5
Views: 1069

Re: N.Y. Attorney General Forces Vanguard, BlackRock, Others To Disclose Active Share

I think it's a Good Thing. More information is better. According to the article, the fund companies affected were calculating this already and disclosing it to institutional investors, so it shouldn't cost them anything to comply--and it can't cost that much to comply anyway. Why shouldn't retail in...
by nisiprius
Tue Apr 17, 2018 3:01 pm
Forum: Investing - Theory, News & General
Topic: How Warren Buffett Won His Multi-Million Dollar Long Bet
Replies: 27
Views: 3383

Re: How Warren Buffett Won His Multi-Million Dollar Long Bet

Protégé Partners specializes in fund-of-hedge-funds investing. That was their schtick, that's why Seides did it. In their words, Through tenured judgment, deep-dive due diligence and pro-active risk management, we strive to identify best-in-class managers and put capital to work through arms-length,...
by nisiprius
Tue Apr 17, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: underwater camera advice
Replies: 18
Views: 632

Re: underwater camera advice

Warning: 1) I have not used mine underwater. I haven't even tried it out underwater. 2) Obviously this isn't a professional-quality camera. My little Sony DSC-TX30, which is so small that I just have it on me all the time--including right now--in a holder on my belt is supposed to be waterproof. As ...
by nisiprius
Tue Apr 17, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: NAESX - is not really Small Cap?!
Replies: 36
Views: 2172

Re: NAESX - is not really Small Cap?!

...[CRSP has] a megacap index, largecap index, midcap index, and smallcap index. The large cap index corresponds to the combination of the midcap and megacap indices . This means that all stocks in the midcap index are contained in the largecap index. The largecap index contains just a little over ...
by nisiprius
Tue Apr 17, 2018 9:34 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Don’t Exclude Emerging Markets
Replies: 30
Views: 3031

Re: Larry Swedroe: Don’t Exclude Emerging Markets

...Investors are certainly free to stick with a U.S.-only portfolio — but they shouldn't think that they don't have any exposure to the risks (currency and otherwise) of international and emerging markets. Last time I checked, U.S. companies in aggregate derive about 37% of their revenues overseas....
by nisiprius
Tue Apr 17, 2018 8:07 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Don’t Exclude Emerging Markets
Replies: 30
Views: 3031

Re: Larry Swedroe: Don’t Exclude Emerging Markets

He's probably using numbers from MSCI. MSCI World IMI total market cap is 45.92 trillion. MSCI Emerging Markets IMI total market is 6.33 trillion. MSCI's EM indexes include South Korea as an emerging market. I think that's it. That would do it. I see that Fidelity's FSGUX, which uses MSCI ACWI Ex-U...
by nisiprius
Tue Apr 17, 2018 6:56 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Don’t Exclude Emerging Markets
Replies: 30
Views: 3031

Re: Larry Swedroe: Don’t Exclude Emerging Markets

I don't think the difference between EM = 9% vs 13% of global market cap is important. It's just a puzzle. I can't seem to account for it by including China A shares or taking account of the recent US stock market fluctuations. ADDED: I think Selters, below, got it. It's probably MSCI's categorizati...
by nisiprius
Mon Apr 16, 2018 8:10 pm
Forum: Investing - Theory, News & General
Topic: "The Only Investment Guide You'll Ever Need" Kindle daily deal
Replies: 7
Views: 1551

Re: "The Only Investment Guide You'll Ever Need" Kindle daily deal

It's awfully good. It's too bad that there are things in it that are glaringly out of date. I haven't gotten to the part, except to glance at it, where he become an advocates for Joel Greenblatt and the "Magic Formula." I am trying to decide whether to give it as a gift to my twenty-year-old grandda...
by nisiprius
Mon Apr 16, 2018 8:05 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Don’t Exclude Emerging Markets
Replies: 30
Views: 3031

Re: Larry Swedroe: Don’t Exclude Emerging Markets

Added: Selters, below, figured it out, I think. MSCI's index and category definitions include South Korea as an emerging market, and South Korea is about 2% of world global market cap, and that's just about enough to account for the difference. It's not a big deal, but does anyone have a source for ...
by nisiprius
Mon Apr 16, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 3921

Re: Costco Free Screenings

Never heard of this before... well, I see that the only one in my state isn't near where I live--isn't offered in the Costco I usually go to. I would have thought that most primary care doctors would be doing this, and more than this, but it might be a nice little plus for people who, for whatever r...