Search found 1159 matches

by Blue
Tue Dec 22, 2020 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Finding estate planning attorney in Indiana
Replies: 7
Views: 501

Re: Finding estate planning attorney in Indiana

Andrew Vento at Ice Miller.
by Blue
Thu Nov 26, 2020 7:26 am
Forum: Personal Consumer Issues
Topic: Wealth and Well Being?
Replies: 31
Views: 4445

Re: Wealth and Well Being?

What specific expenditures/behaviors or practices have you found that contribute most to your sense of well being and longevity? Read David Sinclair's book "Lifespan." Get good night sleep. Victoria Really good book, but the research is in such infancy that there really wasn't a ton of ev...
by Blue
Sun Oct 25, 2020 4:09 pm
Forum: Personal Consumer Issues
Topic: Protein consumption strength training
Replies: 80
Views: 4672

Re: Protein consumption strength training

MP173 wrote: Sun Oct 25, 2020 3:23 pm This is sort of like my investment plan, only health and nutrition plan.

Ed
Well done Ed!

We should all have health and nutrition plans.
by Blue
Sat Oct 24, 2020 12:59 pm
Forum: Personal Consumer Issues
Topic: Protein consumption strength training
Replies: 80
Views: 4672

Re: Protein consumption strength training

The association of increased animal protein intake with increased risk of malignancy is why we select vegan based protein powders.

I recall some data indicating timing of protein consumption within an hour of resistance training to be favorable so this is the approach we take.
by Blue
Mon Oct 12, 2020 4:52 pm
Forum: Personal Consumer Issues
Topic: Anyone Have a TONAL. Home Gym? (Or a TEMPO Home Gym)
Replies: 71
Views: 4194

Re: Anyone Have a TONAL. Home Gym? (Or a TEMPO Home Gym)

I'd also be wondering what happens when there is a software glitch/hardware issue? Do they send out a tech to fix it? Do you have to hire someone to fix it? So this happened to us. A few months in one of the cables started making an unusual sound. I sent them video of it. They had me tried a couple...
by Blue
Mon Oct 12, 2020 5:42 am
Forum: Personal Consumer Issues
Topic: Anyone Have a TONAL. Home Gym? (Or a TEMPO Home Gym)
Replies: 71
Views: 4194

Re: Anyone Have a TONAL. Home Gym? (Or a TEMPO Home Gym)

What’s an example of must-have compound movements that you can do with barbells but not cables? Squats and deadlifts. I just did deadlifts yesterday on my Tonal, and have done several versions of squats..... The Bulgarian iso split squats kill me every time.... but the goblet sumo squats I’ve come ...
by Blue
Sat Oct 10, 2020 5:10 pm
Forum: Personal Consumer Issues
Topic: Anyone Have a TONAL. Home Gym? (Or a TEMPO Home Gym)
Replies: 71
Views: 4194

Re: Anyone Have a TONAL. Home Gym? (Or a TEMPO Home Gym)

We have had our Tonal for about a year or so. We also have the Mirror, Peloton bike and Peloton Tread as a reference point. We have Carbon pre-ordered. The tempo came out after we had our Tonal so we didn’t have a chance to ex ante compare the two. My wife’s go to are the Mirror and Peloton Bike whi...
by Blue
Mon May 11, 2020 7:37 pm
Forum: Personal Consumer Issues
Topic: Scams that make me laugh -- what are you favorites?
Replies: 105
Views: 14026

Re: Scams that make me laugh -- what are you favorites?

James Veitch’s responses to scams always makes our household laugh.

https://www.ted.com/talks/james_veitch_ ... anguage=en
by Blue
Tue Apr 21, 2020 9:15 pm
Forum: Personal Consumer Issues
Topic: Is walking enough cardio exercise if I also lift weights?
Replies: 65
Views: 5072

Re: Is walking enough cardio exercise if I also lift weights?

Walking is enough in the Blue Zone region of Sardinia where male centenarians have managed to close the gender longevity gap. (Male:Female ratio of 1:1 among Sardinian centenarians). Of course, they also walk 12.4 km (7.7 miles) per day at an average 15% slope. Lifestyle and nutrition related to mal...
by Blue
Thu Nov 28, 2019 3:27 am
Forum: Investing - Theory, News & General
Topic: Stay away from Stoneridge Funds....
Replies: 158
Views: 9256

Re: Stay away from Stoneridge Funds....

Thanks to the OP for sharing. Examples like yours provide a cautionary tale to consider as newer, seemingly vetted approaches hit the market. Thank you.
by Blue
Sat Jul 06, 2019 10:54 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Historical Imperative For International Diversification
Replies: 347
Views: 22083

Re: Larry Swedroe: The Historical Imperative For International Diversification

Glad to see after Moderators banned Larry Swedrow's columns (see recent thread) that we are still having Larry's columns here. Yes! Freedom of ideas wins. Article was posted prior to my receiving the request to refrain from posting his essays. Dave Disappointed to read this. I always enjoy reading ...
by Blue
Fri Jul 05, 2019 4:51 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth: Probabilities, Truth, and Consequences
Replies: 40
Views: 4475

Re: Allan Roth: Probabilities, Truth, and Consequences

In the article I wrote, I stated: " There is at least a 10-20% chance of a 60-90% market decline over the next three decades. " With two 50%+ off sales since 2000, I don't think this is a remote possibility. I’d love to read more of your thoughts on this possibility. Do you believe this t...
by Blue
Sun Jun 30, 2019 7:18 am
Forum: Investing - Theory, News & General
Topic: Multi-factor funds: are more factors really better?
Replies: 26
Views: 3752

Re: Multi-factor funds: are more factors really better?

Interesting. I recall an article some years back that the SCV premium was due to a few stocks having a lottery like return rather than an across the board effect of all stocks in the category. Could it be that as you reduce the field of SCV stocks by adding other factor constraints, then the likelih...
by Blue
Sun Jun 23, 2019 4:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer private equity investments? Thoughts?
Replies: 72
Views: 9259

Re: Vanguard to offer private equity investments? Thoughts?

I’ve been intrigued with PE since reading Swensen’s original book. With an at cost fund from a firm aligned with investors interests, I’ll give it a serious look.
by Blue
Mon Jun 17, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: Mosquitos
Replies: 45
Views: 4442

Re: Mosquitos

Been using this for years. Chrysanthemum-based, no pesticide spraying! Very effective 15 mins after turning it on: https://www.amazon.com/Thermacell-MR-PSR-Shield-Mosquito-Repeller/dp/B075SCVY1B/ref=sxin_4_ac_d_rm?crid=NA68X15FJ5C5&keywords=thermacell&pd_rd_i=B075SCVY1B&pd_rd_r=c918560a...
by Blue
Fri Jun 14, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Petroleum pipeline on property
Replies: 27
Views: 4108

Re: Petroleum pipeline on property

I personally would not be comfortable with a natural gas pipeline easement due to the risk of explosion. (Admittedly rare). I would confirm it is petroleum pipeline rather than natural gas. Have you seen an oil spill? I would not have a moment's peace owning that house. Never seen an issue. My unde...
by Blue
Thu Jun 13, 2019 9:43 pm
Forum: Personal Consumer Issues
Topic: Petroleum pipeline on property
Replies: 27
Views: 4108

Re: Petroleum pipeline on property

We bought a home with petroleum pipeline easement. Unable to build on their easement and subject to pipeline access at any point. No issues in eight years of living here and we made peace with these restrictions because of the other attributes of the home/yard. I understand pipeline companies do per...
by Blue
Sun Jun 02, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: What personal finance metrics do you track?
Replies: 44
Views: 3883

Re: What personal finance metrics do you track?

I track $ saved per year relative to my goal.

I track current portfolio asset allocation by % so that new monies can be used to true up actual portfolio allocations vs my IPS as $ are saved.

Mid accumulation phase of life.
by Blue
Fri May 17, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 106
Views: 8425

Re: Bigger car, less economical but more safe.. Get used to smaller car over time?

~35,000 people die from motor vehicle accidents in the US. For every person killed in a motor vehicle accident, 8 were hospitalized and 99 were treated and released from an emergency department for a MVA. (Source CDC Injury Center). According to a recent NY times article, lifetime odds of dying in a...
by Blue
Fri Jul 27, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 16458

Re: Tips for staying active / injury-free into older age

Full body resistance training two sixty minute sessions weekly with trainer including some HIIT Pilates session weekly. Three-four runs per week averaging ~ thirty minutes. Mid fourties trying to maintain overall health. Periodically I’ve been having vo2max and ventilatory threshold testing most re...
by Blue
Fri Jul 27, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 16458

Re: Tips for staying active / injury-free into older age

Full body resistance training two sixty minute sessions weekly with trainer including some HIIT Pilates session weekly. Three-four runs per week averaging ~ thirty minutes. Mid fourties trying to maintain overall health. Periodically I’ve been having vo2max and ventilatory threshold testing most rec...
by Blue
Mon May 28, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 10354

Re: Tesla Autopilot, worth it?

Cycle- Thanks for setting me straight. I was wrong. But, HOLY CRAP, auto deaths are outrageous. I still find it hard to believe, but the numbers are right there. WOW! Thanks for the links. When I became aware of this statistic, it changed how I view automobiles and now only purchase the “safest” ve...
by Blue
Mon Apr 09, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 240
Views: 25172

Re: Swedroe: Look Beyond 60/40 Portfolio

Marcopolo, This is at the limits of my knowledge, but here’s my answer anyways. First of all, I believe CCFs I think provide the best protection in inflationary times when stocks and bonds tank. 2007-9 was deflationary period. So a different type of risk showed up. As far as why no more CCF recomme...
by Blue
Wed Nov 29, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Safest roomy luxury suv?
Replies: 58
Views: 7875

Re: Safest roomy luxury suv?

If safety is paramount, then the Tesla Model X is the safest SUV ever created, and the only one ever to get a 5-star crash rating in every NHTSA category: https://www.engadget.com/2017/06/13/tesla-model-x-earns-a-perfect-nhtsa-safety-rating/ I don’t own one, but I’ve driven one, and it is a blast t...
by Blue
Wed Nov 29, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: Safest roomy luxury suv?
Replies: 58
Views: 7875

Re: Safest roomy luxury suv?

We buy one year old Mercedes CPO which has unlimited mile warranty for one year after the new vehicle four year warranty. Some times dealers will throw in some prepaid maintenance plans. We search the Mercedes website for CPO vehicles with the safety features we require. I splurged this year and got...
by Blue
Sun Nov 26, 2017 11:42 pm
Forum: Personal Consumer Issues
Topic: Safest roomy luxury suv?
Replies: 58
Views: 7875

Re: Safest roomy luxury suv?

We recently looked at this and the winner for us was the Mercedes GLE/GLS. It has consistently high ratings across IIHS and NHTSA testing and also has exceedingly low driver fatality data as reported by IIHS. We also looked at Volvo XC90 but IIHS gives it only marginal headlight rating. In terms of ...
by Blue
Sun Sep 03, 2017 3:53 am
Forum: Investing - Theory, News & General
Topic: Vanguard Speaks Softly but Carries a Big Stick
Replies: 29
Views: 4445

Re: Vanguard Speaks Softly but Carries a Big Stick

This seems like a concerning trend in the direction of socially conscious investing. (Which has been shown to underperform http://www.etf.com/sections/index-inves ... nopaging=1)

Sending a note to the flagship rep and plan to monitor.
by Blue
Fri Sep 01, 2017 5:47 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is Always Risky
Replies: 42
Views: 4333

Re: The Stock Market Is Always Risky

We attempt to anchor on two numbers, i) the total dividend dollars per year thrown off by our portfolio and ii) our total dollars saved per year (relative to our annual savings goal). I would advise backing away from i - anchoring on dividends could motivate chasing yield when total returns are wha...
by Blue
Fri Sep 01, 2017 5:26 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is Always Risky
Replies: 42
Views: 4333

Re: The Stock Market Is Always Risky

We attempt to anchor on two numbers, i) the total dividend dollars per year thrown off by our portfolio and ii) our total dollars saved per year (relative to our annual savings goal).
by Blue
Thu Aug 03, 2017 9:39 pm
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 10196

Re: Study: Who Sold Stock During the 2008-9 Crash?

We tax loss harvested six figures but were net purchasers through the period.
by Blue
Sat Jul 22, 2017 11:34 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Drives Municipal Bond Yields
Replies: 42
Views: 5187

Re: Larry Swedroe: What Drives Municipal Bond Yields

Beyond liquidity and credit risk, it seems like there is also the risk of change in tax policy/rate?
by Blue
Tue Jun 20, 2017 5:31 am
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 9654

Re: Alternatives to Amazon

I appreciate all of the recommendations. We are prime and have several amazon packages weekly so it is a big change for us. I had hoped for a better response from amazon about the process they are using to "hire" the "uber delivery people" but instead received a free month of pri...
by Blue
Mon Jun 19, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 9654

Alternatives to Amazon

Recently we've noticed Amazon has started using an "uber-like" model for their deliveries with some scary looking individuals in their personal vehicles delivering packages to our front door without any identifiable markings, id's, signage, etc. I emailed Amazon to better understand their ...
by Blue
Sun Apr 30, 2017 7:45 am
Forum: Personal Investments
Topic: Does Portfolio Size Influence Stock/Bond Allocation?
Replies: 43
Views: 6535

Re: Does Portfolio Size Influence Stock/Bond Allocation?

Similar age and similar portfolio size here. We're at 100% stock because i) reasonable expectation of significant future portfolio contributions, ii) dividends from portfolio, even in a bear market would go a long way towards meeting minimum basic monthly expenses, iii) realistically looking at inve...
by Blue
Wed Dec 28, 2016 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any benefits to achieving "great wealth"?
Replies: 106
Views: 11628

Re: Are there any benefits to achieving "great wealth"?

Hire a trainer to optimize health.
by Blue
Tue Dec 27, 2016 9:45 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 179
Views: 22225

Re: frustrating to keep investing in international/EM

Your EM fund has WAY outperformed the typical EM fund then. Vanguard's EM fund with admiral shares (VEMAX) is only up 9.18% as of today. DGS bought on 1/15/2016 when grap0013 recommended it is up 23+% at end of today not counting dividends which would add another 4% or so. :) Total return for share...
by Blue
Tue Dec 27, 2016 7:47 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 179
Views: 22225

Re: frustrating to keep investing in international/EM

Reviving this. Going to be 6 years now for International/EM to underperform. Reversion to mean is getting more and more frustrating but hopefully likely. How is EM getting lumped in without mentioning the great year it has had. My EM fund is up 19.29% YTD and that is after an almost 3% drop last we...
by Blue
Thu Nov 24, 2016 9:48 pm
Forum: Investing - Theory, News & General
Topic: DFA vs Vanguard (I know, I know)
Replies: 34
Views: 7726

Re: DFA vs Vanguard (I know, I know)

I was a DIY VG Boglehead 2001-2009. As I read more and learned more I became interested in tilting. The overwhelming majority of my savings are taxable though, so I started thinking towards DFA tax Managed value funds. The problem is that the ER differences and Advisor AUM fee are certain, but the ...
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: 2775

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: 111
Views: 19006

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: 14106

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: 14106

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: 4351

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: Personal Investments
Topic: "Sin stocks"
Replies: 42
Views: 6991

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: Personal Investments
Topic: "Sin stocks"
Replies: 42
Views: 6991

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: 786

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: 786

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...