BMORE

Comments:

• It used to be thought that the brain’s neurons stopped proliferating in early adulthood, but it is fascinating that many activities stimulate neurogenesis in the aging brain in both the hippocampus and deep frontal lobes. Exercise, antidepressants, Viagra can stimulate neurogenesis. Several studies have shown that exercise like bicycling can stabilize hippocampal atrophy and memory in the aging brain compared to sham exercise like stretching. It is fascinating that exercise might help delay or prevent Alzheimer’s symptoms. https://www.sciencedirect.com/science/article/pii/S1934590923000024#:~:text=Adult%20hippocampal%20neurogenesis%20(AHN)%20drops,cognitive%20status%20in%20AD%20patients.

  Post: Feed Your Brain

  Link to comment from September 20, 2024

• My approach has been to target retirement investment savings with S.S.that would replace my current income until age 100 with inflation and a 20% buffer in case of market crashes. To this I added $20K a year for travel and $20K for charity. The market has been kind and I’ve met my target.

  Post: RDQ says ignore those big scary numbers

  Link to comment from August 22, 2024

• Thank’s for the helpful review. Another aspect of this is that these funds can be pieced together for tax loss harvesting for taxable investments. The total US fund can be matched with the S&P 500 and the extended market fund to collect tax losses during downturns without leaving the market. I signed up for Vanguard’s automatic tax harvesting program—someday the market will duck and this will get used. A financial advisor and accountant should review individual situations to see if this is appropriate. Vanguard analysts summarize that this is most worthwhile if you invest the tax savings.

  Post: My Favorite Fund

  Link to comment from August 18, 2024

• Rick: it would be helpful to compute future value for median and maximum SS payments at “full” retirement age of 66 compared to maximum payments at age 70 years. This would give us a better appreciation of the value of waiting and how SS can contribute to retirement.

  Post: Should you include SS and pensions in your net worth? Connor weighs in.

  Link to comment from August 1, 2024

• Interesting comparison, though, several of Vanguard’s active mutual funds have been exceptional. My employer dropped the Vanguard Capital Opportunity fund, but I was able to switch this15% of my allocation to the Primecap fund. It has gained an average of 15% over 5 years and 13.75% per year since 1984! Their total market fund, though, is the core holding. Vanguard is recommending a tilt towards international index funds for the next few years—not sure about that? Any thoughts?

  Post: Vanguard’s “Active” Vs. Passive ETFs: A Study in Serendipity by Steve Abramowitz

  Link to comment from July 18, 2024

• The NYT’s Ron Lieber just wrote a denigrating feature on Jonathan. Here is my response ti his editor: pollocke@nytco.com I write to complain about Ron Lieber’s column about Jonathan Clements. I assume the errors are due to professional competitiveness. First, he mis-characterizes Jonathon’s 3 principles of retirement investing—annuities are not a key component, his two columns this week are standard basic advice and nothing like Lieber’s summary (have a look); secondly, to denigrate him by saying his retirement advice is biased by having good retirement plans is simply not true for most Americans; third, the snarky comments on his ex handling the kid’s tuition is uncalled for. You know as an editor the main themes of his preparing for a long retirement and then shifting to a one year plan due to cancer and communicating this to his readers was the key theme and was not communicated here. His competitive snarky comments were not justified.

  Post: Scroll Down

  Link to comment from July 13, 2024

• That’s gray rather than grey

  Post: A challenge from RDQ. How do you define living comfortably in retirement, and is it enough?

  Link to comment from July 11, 2024

• This quote is pretty good—the only profane one by the grave Dr Bernstein: “The best money in the world, if you’ll allow me the book’s only F-bomb, is “fuck-you money”: that used to buy time and autonomy.” — The Four Pillars of Investing, Second Edition: Lessons for Building a Winning Portfolio by William J. Bernstein https://a.co/evqMfIF

  Post: What’s your favorite financial quote?

  Link to comment from June 26, 2024

• This is shocking news. This evokes the mortality in all of us. Hopefully you have a rare form of caner that will respond to treatment. I will bicycle for any cause you suggest!

  Post: The C Word

  Link to comment from June 15, 2024

• Do you think the “center lane “ is to move from a standard 60/40 stock/bond formula to more commodity and energy and REIT allocation?

  Post: Surprised Again

  Link to comment from April 21, 2024