Search found 1136 matches

by Blue
Mon Apr 09, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 14856

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: 5747

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: 5747

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: 5747

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: 3789

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: 3775

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: 3775

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: 8598

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: 4269

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: 7152

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 prime with a non-respon...
by Blue
Mon Jun 19, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 7152

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 vetting pr...
by Blue
Sun Apr 30, 2017 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Does Portfolio Size Influence Stock/Bond Allocation?
Replies: 43
Views: 5514

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: 10329

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: 20563

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: 20563

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: 5463

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: 2416

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: 14771

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: 11194

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: 11194

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: 3371

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: 6444

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: 6444

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: 596

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: 596

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: 596

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: 93
Views: 11272

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: 5602

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: 93
Views: 11272

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: 93
Views: 11272

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: 2308

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: 8655

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: 1370

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: 6869

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: 116
Views: 15697

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: 33313

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 "3rd generation" i...
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: 33313

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: 116
Views: 15697

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: 116
Views: 15697

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: 116
Views: 15697

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: 116
Views: 15697

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: 116
Views: 15697

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: 116
Views: 15697

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: 116
Views: 15697

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: 33313

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 claims. ...
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: 33313

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: 3612

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: 3612

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.