Search found 180 matches

by CRTR
Wed Jan 16, 2019 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Balanced investment for my HSA?
Replies: 3
Views: 337

Re: Balanced investment for my HSA?

I just made the same exact move. Did the paperwork this evening.

You might also consider iShares Core Growth Allocation ETF (AOR). It's transaction free, approximately a 60/40 global allocation, ER 0.25%.
by CRTR
Wed Jan 16, 2019 7:20 pm
Forum: Investing - Theory, News & General
Topic: Does Microcap add diversification to Total Stock Market Index fund?
Replies: 20
Views: 1373

Re: Does Microcap add diversification to Total Stock Market Index fund?

In my opinion and experience, yes. In my own portfolio, I've had a sizeable stake in BRSIX for over 20 years. Though I had a higher allocation than most people on this board would recommend, I've been very well-served by it. I'm not advocating my portfolio just pointing out that with the microcap ex...
by CRTR
Wed Jan 16, 2019 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees: Timing your withdrawals
Replies: 45
Views: 4657

Re: Retirees: Timing your withdrawals

Once at the end of the year works for me. That way money stays invested tax advantaged for the year. The best part is you can have your entire tax for the year deducted from this end of the year payment so your tax also stays invested for the year. Tax deducted with this method is considered as pay...
by CRTR
Wed Jan 16, 2019 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Money Market Options
Replies: 17
Views: 1215

Re: TD Ameritrade Money Market Options

Saw this post and thought I'd see if I could help. I sent an email, requesting a list of NTF Money Market mutual funds because I was unable to find that info on their site. For fun I checked Etrade, Schwab and Vanguard. I easily completed the search online with Etrade. Couldn't do it with either Sch...
by CRTR
Mon Jan 14, 2019 1:24 am
Forum: Investing - Help with Personal Investments
Topic: low volatility funds in a Roth IRA
Replies: 12
Views: 879

Re: low volatility funds in a Roth IRA

“The empirical evidence for low volatility is very fragile,” he says. “Fifteen of the 16 volatility measures we looked at don’t work using the broadest sample of stocks.”" https://bic.financial-planning.com/articles/professor-has-some-questions-about-your-index-funds-nir-kaissar You can pull his pap...
by CRTR
Sun Jan 13, 2019 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard PRIMECAP and Capital Opportunity
Replies: 48
Views: 2823

Re: Vanguard PRIMECAP and Capital Opportunity

As others noted, both are closed to new investors, unless you have Flagship (I know this is the case for PRIMECAP, not sure about Flagship access for Capital Opportunity). Some also have access through their 401k's. PRIMECAP also runs its own family of funds, called Odyssey. There are three, each a...
by CRTR
Sun Jan 13, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: What's your experience upgrading to Quicken 2018 or 2019?
Replies: 41
Views: 2147

Re: What's your experience upgrading to Quicken 2018 or 2019?

Interesting. Not one person has listed any improvements in functionality. That's also what I'm interested in (Quicken 2016 user). No plans to upgrade at this point. For those that bought Quicken 2017 ( on CD, no downloads from www.bobhassoftware.com - made up name), where did you find a good deal? ...
by CRTR
Sun Jan 13, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax and MAGI Question
Replies: 3
Views: 408

Re: Turbo Tax and MAGI Question

In the future, why not perform a Backdoor Roth contribution every year? Assuming you don't have other accounts that would interfere, it sidesteps the whole MAGI limits issue and allows for contribution in January of the tax year (12 months earlier). The downsides, of course, are that it adds one ste...
by CRTR
Sat Jan 12, 2019 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: Dip into taxable account to fund Roths and medical expenses?
Replies: 5
Views: 522

Re: Dip into taxable account to fund Roths and medical expenses?

Keeping 100% stocks in a taxable account, as emergency fund, is not unreasonable if it is part of a larger strategy. I can think of a couple ways to do it safely. Here is one example:

https://www.bogleheads.org/wiki/Placing ... ed_account
by CRTR
Sat Jan 12, 2019 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: Dip into taxable account to fund Roths and medical expenses?
Replies: 5
Views: 522

Re: Dip into taxable account to fund Roths and medical expenses?

If you do not have big gains, moving a taxable dollar of Total US to a Roth dollar of Total US is a good trade. Even if you do have big gains, it's still worth doing. You will pay tax on the gains in your taxable account at some time, but by moving the money to a Roth IRA, you avoid the tax on futu...
by CRTR
Tue Jan 08, 2019 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Blackrock - 3 Funds to Match Total Market
Replies: 6
Views: 536

Re: Blackrock - 3 Funds to Match Total Market

Thanks for your input. Is there a reason why you referred to these funds as Russell? I made an educated guess about the Mid Cap fund. I couldn't find the fund, as listed, on the Blackrock website and didn't know the ticker. So I searched the SEC site and found this: https://www.sec.gov/Archives/edg...
by CRTR
Tue Jan 08, 2019 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Blackrock - 3 Funds to Match Total Market
Replies: 6
Views: 536

Re: Blackrock - 3 Funds to Match Total Market

hmmm . . . kind of interesting that they chose fund offerings that track different benchmark families. The Russell Mid Cap index contains the 800 smallest companies in the Russel 1000. The Russell 1000 is similar to the SP500. By buying the Mid-cap and the SP500 funds, you duplicate the mid cap expo...
by CRTR
Mon Dec 31, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: ITOT versus VTSAX
Replies: 28
Views: 3233

Re: ITOT versus VTSAX

This is a comical amount of time and energy put into a single basis point difference. There are probably dozens of other things you could be doing to optimize your investments/finances that are more valuable than this debate. ITOT is fine. IT's even more comical given that VTSAX IS AVAILABLE AT ETR...
by CRTR
Mon Dec 31, 2018 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: How to handle Real Estate in AA, esp w/r/t international
Replies: 10
Views: 569

Re: How to handle Real Estate in AA, esp w/r/t international

It is an interesting question and there is a ton of academic research on the topic. Most of the studies focus on mean-variance analysis effect in standard stock/bond portfolios. Of course, this is an evolving topic as "real estate investment" has become more complex in recent times. Real estate can ...
by CRTR
Sun Dec 30, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: One year to retirement - new member
Replies: 5
Views: 1217

Re: One year to retirement - new member

I have some basic, general advice. 1. First thing I recommend is to simplify your account structure. When you retire, open an IRA and a taxable brokerage account at Vanguard. At that point, you can rollover the 401k and 403b accounts, do a trustee-trustee transfer of your current IRA to the Vanguard...
by CRTR
Wed Dec 26, 2018 10:13 pm
Forum: Investing - Theory, News & General
Topic: Over 120 Vanguard funds go transaction free at E*trade
Replies: 33
Views: 3554

Re: Over 120 Vanguard funds go transaction free at E*trade

Just got this email today. "Starting September 19, we’re adding more than 120 Vanguard mutual funds to our no-load, no-transaction-fee mutual fund program. This includes at least one of the Vanguard funds currently in your portfolio." List: https://www.etrade.wallst.com/Research/Screener/MutualFund...
by CRTR
Wed Dec 26, 2018 10:12 pm
Forum: Investing - Theory, News & General
Topic: Over 120 Vanguard funds go transaction free at E*trade
Replies: 33
Views: 3554

Re: Over 120 Vanguard funds go transaction free at E*trade

How much do you have invested with E*TRADE to get the special treatment? My company RSUs are managed through them, if I can get Admiral shares for the active funds I am happy to keep my proceeds there. How much is Admiral trade commission without the special treatment? If I remember correctly, it's...
by CRTR
Wed Dec 26, 2018 9:50 pm
Forum: Investing - Theory, News & General
Topic: Over 120 Vanguard funds go transaction free at E*trade
Replies: 33
Views: 3554

Re: Over 120 Vanguard funds go transaction free at E*trade

Is VMNVX commission free? Yes and no. . . . No, the Admiral share class is NOT part of their NTF lineup but the Investor class is (VMVFX). I noticed that only Admiral class index funds are available NTF. As far as I can tell, only Investor class of actively managed funds are part of the NTF lineup....
by CRTR
Wed Dec 26, 2018 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Oxford Club Vangard gone fishing portfolio for retirement
Replies: 3
Views: 523

Re: Oxford Club Vangard gone fishing portfolio for retirement

There is nothing special about it. Just a different way to slice up a pie . . . it's been looked at before on here: https://www.bogleheads.org/forum/viewtopic.php?t=171103 https://www.bogleheads.org/forum/viewtopic.php?t=121771 If anyone is interested: https://oxfordclub.com/wp-content/uploads/2013/...
by CRTR
Wed Dec 26, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: How to manage “uncertain” Roth eligibility years
Replies: 15
Views: 990

Re: How to manage “uncertain” Roth eligibility years

We do both have preexisting tIRAs, fairly low balances (low 5-figures). Would it make sense to get the pain of the conversion done now, before the end of the year? Or does it make more sense to convert all at once after making the backdoor contributions? Or something else? Thanks again! Well, there...
by CRTR
Wed Dec 26, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: Over 120 Vanguard funds go transaction free at E*trade
Replies: 33
Views: 3554

Re: Over 120 Vanguard funds go transaction free at E*trade

Good question Historically haven’t admiral share classes not been available outside of Vanguards own accounts? You could sometimes transfer them, but not buy more. yes, I actually have VTSAX shares in an Etrade account, which were transferred in kind. But can't buy more I've been buying Vanguard Ad...
by CRTR
Wed Dec 26, 2018 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Withdrawal phase - Monthly vs Annually in Retirement?
Replies: 28
Views: 2539

Re: Withdrawal phase - Monthly vs Annually in Retirement?

As I am not taking RMDs yet, what makes the most sense is that I collect all ETF/Fund distributions into my money market fund as the year progresses (all in taxable account). I make up the short fall by either rebalancing or making the most tax-efficient withdrawals I can after the first of the year...
by CRTR
Wed Dec 26, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: How to manage “uncertain” Roth eligibility years
Replies: 15
Views: 990

Re: How to manage “uncertain” Roth eligibility years

Welcome to the forum! If I were in your shoes, I think I would do back door Roth contributions. Even if you are still elegible in 2019 for Roth IRA contributions, there is nothing that prevents you from using the backdoor Roth method. Read up on the process at the wiki: https://www.bogleheads.org/w...
by CRTR
Thu Dec 13, 2018 1:23 am
Forum: Investing - Help with Personal Investments
Topic: Should I replace PIMCO Income Fund with an intermediate-term Treasury fund?
Replies: 14
Views: 1728

Re: Should I replace PIMCO Income Fund with an intermediate-term Treasury fund?

My cousin just went through the exact same decision process (he owns a LOT of PIMIX). We talked at length as he was figuring this stuff out because I recently went through a similar process last year (https://www.bogleheads.org/forum/viewtopic.php?f=1&t=229450). He ended up throwing in the towel and...
by CRTR
Wed Nov 28, 2018 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Roth contribution rendered ineligible by unexpected income - what next?
Replies: 8
Views: 866

Re: Roth contribution rendered ineligible by unexpected income - what next?

In January of 2018 I contributed the maximum allowable to my Roth IRA for the year ($5500). In November, the small company I work for was purchased, and as an equity holder, I received a one-time distribution that puts me above the AGI income limits for contributing to a Roth this year. I was not e...
by CRTR
Tue Nov 27, 2018 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: For i401k, Vanguard does not allow investment into Admiral Shares
Replies: 38
Views: 2889

Re: For i401k, Vanguard does not allow investment into Admiral Shares

Does ETrade charge trade fees to buy Fidelity, Schwab or Vanguard funds? It depends on the fund. I believe all index funds are $19.99. Used to be the case but not now. I've been with Etrade for ~10 years now and it seems to change, for the better, every time I turn around. Currently, Etrade offers ...
by CRTR
Tue Nov 27, 2018 4:56 pm
Forum: Investing - Theory, News & General
Topic: New all-world Small-Cap multi-factor ETF
Replies: 16
Views: 2683

Re: New all-world Small-Cap multi-factor ETF

Much of the discussion on this post has been to compare ROGS to plain vanilla market-cap competitors like VT (Total World Stock) or VSS (All-World ex-US Small Cap), etc...And, I don't disagree with the comparison. But, ROGS is more of a small cap with quality and value tilts ETF than just a plain v...
by CRTR
Tue Nov 27, 2018 8:24 am
Forum: Investing - Theory, News & General
Topic: New all-world Small-Cap multi-factor ETF
Replies: 16
Views: 2683

Re: New all-world Small-Cap multi-factor ETF

ER now 0.39% . . . better but still kinda high. If anyone is interested . . .
https://www.hartfordfunds.com/content/d ... B_ROGS.pdf
by CRTR
Fri Nov 23, 2018 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: 5 Funds
Replies: 19
Views: 2034

Re: 5 Funds

I'm not sure that corporate bonds by themselves are the best idea for your fixed-income allocation. Corporate bonds tend to be more correlated to equities than do Treasuries, so are not as good a diversifier. I think you'd be better served by including some Treasuries along with corporates (or even...
by CRTR
Wed Nov 21, 2018 1:27 am
Forum: Investing - Help with Personal Investments
Topic: FSCOX vs VSS - What am I missing?
Replies: 12
Views: 1045

Re: FSCOX vs VSS - What am I missing?

Comparing VSS & SCZ shows they have quite different geographical weightings. It seems like this entire small cap int is impossible to make an apples to apples comparison. I would have hoped at least the "index funds" would be easier to compare. It does seem that the EM segment explains at least som...
by CRTR
Tue Nov 20, 2018 12:25 am
Forum: Investing - Help with Personal Investments
Topic: FSCOX vs VSS - What am I missing?
Replies: 12
Views: 1045

Re: FSCOX vs VSS - What am I missing?

Here's my two cents . . . . the international small/mid cap growth funds (all active) have done very well over the past 20-30 years. (compare PRIDX to ANY diversified international fund) I've been using Vanguard International Explorer Fund (VINEX) for over 20 years for my international exposure. I w...
by CRTR
Mon Nov 19, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: The psychology of withdrawing from your portfolio
Replies: 58
Views: 5960

Re: The psychology of withdrawing from your portfolio

The solution we used for my Dad years ago was a 5 year CD ladder. Each CD held enough for a one year's anticipated expenses. When the CD would mature, we put it into his Vanguard Money Mkt and scheduled monthly deposits into his checking account. Worked perfectly! Same could be accomplished with a t...
by CRTR
Sun Nov 18, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell bond fund, use for mortgage pay down ?
Replies: 8
Views: 973

Re: Should I sell bond fund, use for mortgage pay down ?

dmk395 wrote:
Sat Nov 17, 2018 10:10 pm
Yeah kinda my thoughts....paying down a mortgage is like a negative bond
Looks like I'm selling and continuing with the pay down
you're not the only one who thinks that way. I enjoy Alan Roth pieces . . . https://www.financial-planning.com/news ... e-mortgage
by CRTR
Sat Nov 17, 2018 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Best Mutual Funds To Invest In With a New BOA Merrill Edge Roth IRA?
Replies: 5
Views: 566

Re: Best Mutual Funds To Invest In With a New BOA Merrill Edge Roth IRA?

BoA Merrill Edge is not good for mutual funds. The combination of trading fees and/or higher expense ratios means it is definitely more expensive to use mutual funds at Merrill Edge compared to many other places. It is questionable if the advantages of Preferred Rewards outweigh these disadvantages...
by CRTR
Sat Nov 17, 2018 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Betterment taxable account to Vanguard taxable, help on tax efficiency
Replies: 9
Views: 789

Re: Moving Betterment taxable account to Vanguard taxable, help on tax efficiency

3. The rep at Vanguard said there were fees for liquidating these holdings after transferring in kind (the ones I plan to sell that have a cap loss) and that they would not waive the fees (even though I'll have well over $1MM in my account and would qualify for their "Flagship client" status). anyo...
by CRTR
Sat Nov 17, 2018 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Perform 12% Roth conversions or realize 0% long term capital gains during low income years???
Replies: 19
Views: 2111

Re: Perform 12% Roth conversions or realize 0% long term capital gains during low income years???

OP, 1) Why pay 12% tax when you can pay 0%? 2) Your taxable is significantly larger than your tax-deferred account. So, you should have plenty of opportunities to do Roth conversion later. KlangFool +1 I guess the devil is in the details and depends on how long you will work/have income. I am retir...
by CRTR
Sat Nov 17, 2018 2:20 am
Forum: Investing - Help with Personal Investments
Topic: WOW - big Vanguard capital gains distribution coming this year
Replies: 6
Views: 2172

Re: WOW - big Vanguard capital gains distribution coming this year

Mid-cap Growth Index fund, for example, (VMGIX) has a 23% turnover rate. I'll be curious to see what the mid-cap growth index fund generates in capital gains this year. Mid-cap growth index fund has an ETF share class VOT, and through VOT low-basis stock shares can be purged by transfer to its Auth...
by CRTR
Sat Nov 17, 2018 2:19 am
Forum: Investing - Help with Personal Investments
Topic: WOW - big Vanguard capital gains distribution coming this year
Replies: 6
Views: 2172

Re: WOW! Vanguard Capital Opportunity capital gains distribution!

...why the big distribution?? Because the companies owned by the fund may have big distributions or the fund managers may take capital gains when some companies are over-represented in the fund (ie, grow faster than other companies). The fund is top-heavy in technology (33%) and healthcare (30%) wh...
by CRTR
Sat Nov 17, 2018 12:18 am
Forum: Investing - Help with Personal Investments
Topic: WOW - big Vanguard capital gains distribution coming this year
Replies: 6
Views: 2172

Re: WOW! Vanguard Capital Opportunity capital gains distribution!

I think people with investments in a closed fund like Capital Opportunity are unlikely to redeem shares since they are warned that they can't buy them back ($25K limit per year, for existing shareholders). And I suspect that most people who own it, have it in a tax-advantaged account. Note that por...
by CRTR
Fri Nov 16, 2018 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: WOW - big Vanguard capital gains distribution coming this year
Replies: 6
Views: 2172

WOW - big Vanguard capital gains distribution coming this year

I was bored and looking through the Preliminary year-end distributions report from Vanguard. First thing I noticed was the the Capital Opportunities Fund (VHCOX) is going to have a 8.96% of NAV distribution. Ouch! Hope people that own it do so in a tax-advantaged account. In fact, a lot of actively ...
by CRTR
Mon Nov 12, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Creating a Bridge to Social Security
Replies: 11
Views: 938

Re: Creating a Bridge to Social Security

Money market, Treasuries, CDs or a SPIA are the usual candidates. At current rates, CDs are the winner. 3 & 4 year new issue CDs are widely available at over 3.25%. 2 years >3.0%. I don't think Treasuries are over 3% yet until you get to 5 years. 5 year term certain SPIA rates are lagging right now ...
by CRTR
Sun Nov 11, 2018 1:15 am
Forum: Investing - Help with Personal Investments
Topic: Help me make a fund recommendation for a family trust
Replies: 9
Views: 857

Re: Help me make a fund recommendation for a family trust

It is a difficult situation you've put yourself in. I'm not sure I really understand the trust situation. For example, who is the trustee?? The trustee(s), I believe, have a fiduciary responsibility to the income beneficiary first and foremost but also a duty to preserve the principal for the remain...
by CRTR
Fri Nov 09, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic withdrawal with Vanguard
Replies: 24
Views: 1873

Re: Automatic withdrawal with Vanguard

The new money market fund rules adopted in 2014 severely curtailed the freedom of financial institutions to sweep money into and out of money market funds. https://www.occ.treas.gov/news-issuances/bulletins/2016/bulletin-2016-17.html In this case, because the prime money market fund holds commercia...
by CRTR
Fri Nov 09, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Automatic withdrawal with Vanguard
Replies: 24
Views: 1873

Re: Automatic withdrawal with Vanguard

For reasons neither she nor her colleagues could explain, automatic redemptions/withdrawals are allowed across accounts but not within a single one. The new money market fund rules adopted in 2014 severely curtailed the freedom of financial institutions to sweep money into and out of money market f...
by CRTR
Fri Nov 09, 2018 12:08 am
Forum: Investing - Help with Personal Investments
Topic: Automatic withdrawal with Vanguard
Replies: 24
Views: 1873

Re: Automatic withdrawal with Vanguard

For reasons neither she nor her colleagues could explain, automatic redemptions/withdrawals are allowed across accounts but not within a single one. The new money market fund rules adopted in 2014 severely curtailed the freedom of financial institutions to sweep money into and out of money market f...
by CRTR
Thu Nov 08, 2018 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic withdrawal with Vanguard
Replies: 24
Views: 1873

Re: Automatic withdrawal with Vanguard

Are you looking in the right place? I have no issues in my brokerage Rollover or Roth IRAs. You can only do automatic transactions on Vanguard mutual funds, not ETFs even in a brokerage account. My Accounts > Account Maintenance > Automatic Investment I choose the destination and then the source (s...
by CRTR
Thu Nov 08, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic withdrawal with Vanguard
Replies: 24
Views: 1873

Re: Automatic withdrawal with Vanguard

Are you looking in the right place? I have no issues in my brokerage Rollover or Roth IRAs. You can only do automatic transactions on Vanguard mutual funds, not ETFs even in a brokerage account. My Accounts > Account Maintenance > Automatic Investment I choose the destination and then the source (s...
by CRTR
Tue Nov 06, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Tax efficiency in retirement
Replies: 6
Views: 1315

Re: Tax efficiency in retirement

Well, for starters, most likely you're either in the 24% or 32% tax bracket in 2018 (assuming filing jointly). There is no 33% bracket currently. You question is a common one and a dilemma. You can never know for sure the right answer because you don't what future tax rates on retirement income sour...
by CRTR
Tue Nov 06, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: 3.75% - 5-year CD
Replies: 13
Views: 3695

Re: 3.75% - 5-year CD

I'm going full tilt if/when 4%. Thought this is a noteworthy step though. I think the tendency for policy seems to be knee-jerk rate cuts. Cheap borrowing. Much easier to take a penalty if incorrect, and jump into a higher rate. Time to roll over a rung in Mom's CD ladder . . . . 4.08% APY Connexus...
by CRTR
Tue Nov 06, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Percentage of small-caps in an aggressive portfolio
Replies: 17
Views: 984

Re: Percentage of small-caps in an aggressive portfolio

I am an outlier here. I went 100% small and mid cap, both domestic and international. I started saving in 1997 and benefited from not using any large/giant cap tilted funds (in contrast to the standard BH plan). I am NOT advocating this approach for everyone but do believe it deserves consideration....