No. of Recommendations: 2

You're one smart, well educated guy who impresses the hell out of me! I think I understand the point you're making, but it seems more work than I care to do. So sticking with Vanguard's Total Stock and Bond indexes (in the form of Vanguard's Balanced Index Fund) more suits my lethargic lifestyle. But I sure enjoy reading your posts.

db, phd
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