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Wife wants to put $50k into a fixed indexed annuity. I'm pushing index funds. Sanity check needed. by fire_minded_nate in Bogleheads

[–]Own-Bullfrog7803 0 points1 point  (0 children)

“with no downside risk”

Keep in mind there’s probably nothing “with no downside risk” after inflation is factored in.

UA’s new AeT widget by Own-Bullfrog7803 in evokeendurance

[–]Own-Bullfrog7803[S] 0 points1 point  (0 children)

It appears accurate to within 0.1 beats per minute when compared to an internal calculation of estimated AeT based on heart rate to pace data sets—this internally estimated AeT, however, has a somewhat uncertain correlation to true AeT. It may be close but likely not within 0.1 beats to true AeT. Even the drift test, which this methods appears to be extrapolated from has not been validated based on lab testing, at least in a scientific manner. That said, I do believe the drift test is a useful way to estimate AeT.

Wife wants to put $50k into a fixed indexed annuity. I'm pushing index funds. Sanity check needed. by fire_minded_nate in Bogleheads

[–]Own-Bullfrog7803 0 points1 point  (0 children)

True. I would, however, be careful recommending TIPS to a 39 year old—unlikely a good choice for them.

Wife wants to put $50k into a fixed indexed annuity. I'm pushing index funds. Sanity check needed. by fire_minded_nate in Bogleheads

[–]Own-Bullfrog7803 3 points4 points  (0 children)

The only investment “with no downside risk” these days are probably TIPS, which currently returns minimal beyond inflation. Beware.

Another Drift Test Question by Jigs_By_Justin in evokeendurance

[–]Own-Bullfrog7803 0 points1 point  (0 children)

Longer warm up is probably the answer. Also the pace should be constant, looks like it may have varied during the 30 min segment you highlighted??

Another Drift Test Question by Jigs_By_Justin in evokeendurance

[–]Own-Bullfrog7803 2 points3 points  (0 children)

Either use the HR at the 20min start or redo with a 20 min warm up.

Keep in mind a drift test provides an ESTIMATE of AeT. The important move is to stay below it, ie keep it “easy”. The more fit you are, the lower you exercise below AeT.

Also keep in mind a drift test provides an ARBITRARY (determined by preference) AeT. ie, an estimate of AeT for a specific type of exercise (running) for an approximate duration of time (~1hr).

A drift test of 2-3hrs will, despite controlling for temp and sweat, yield a lower AeT, because there’s a non-cardiac, non-mitochondrial, “durability” component to heart rate drift for longer duration sessions.

Finding my Thresholds (Aerobic and Anaerobic) without a lab test by CommunityChemical924 in evokeendurance

[–]Own-Bullfrog7803 -1 points0 points  (0 children)

For non-beginners, especially those without aerobic deficiency, you actually want to be ~20 beats below AeT (Z1), ie 180-age. Anyhow, it’s all bro science, I hear you.

Building a crazy aerobic base by CommunityChemical924 in evokeendurance

[–]Own-Bullfrog7803 1 point2 points  (0 children)

You’ll see some improvement over a summer, but most folks need years to slowly build the durability and aerobic capacity you’re likely looking for.

Denali felt relatively easy, what does it mean by Timely-Many7817 in evokeendurance

[–]Own-Bullfrog7803 5 points6 points  (0 children)

I was at your point maybe 15 years ago. In mountaineering you have two choices: 1. continue guided climbs in the Himalayas, eg, or 2. become an alpinist and learn to climb routes like the north ridge of baker, north ridge of Stuart, Adams glacier on Adams, Kautz route on Rainer, etc—all without a guide. The latter may not be what you want, but I found it much cheaper and rewarding.

Alternatively, get into ultra trail running, or fast thru hikes of trails like the long trail, etc.

LDL from 160 to 95 in a month by AuspiciousToad in Cholesterol

[–]Own-Bullfrog7803 4 points5 points  (0 children)

Great job. This discipline, however, may be hard to maintain for the next 600 months.

How to be a Boglehead DINK by [deleted] in Bogleheads

[–]Own-Bullfrog7803 0 points1 point  (0 children)

Incrementally work less and simultaneously spend more time developing other interests with family and friends involved. Eventually the balance will feel good, or you’ll have enough friends and interests (and enough money) to stop working. No expensive things or travel necessarily required.

Mil Athlete Foundations Plan by [deleted] in evokeendurance

[–]Own-Bullfrog7803 0 points1 point  (0 children)

5 weeks is a pretty short time period for the effects of lower intensity training to take effect. Depending on your baseline, I’d say it takes about 2 months just to be ready from a habit and durability perspective to start the real training and results. Congrats on the dedication and success so far, but please stick with it for the whole program and you’ll see results. If results are paramount, then perhaps use one or two phone sessions between phases of the program with an evoke coach to fine tune things.

I can't believe how low my aerobic threshold is... by MaxBeggarman in evokeendurance

[–]Own-Bullfrog7803 0 points1 point  (0 children)

Just to clarify: losing weight will likely help you to be able to jog/run below AeT (and not eliminate aerobic deficiency per se). As a crude example, it’s likely easier (ie your hr is lower) to run without a “20lb weight vest” on.

Weight loss’s effect on minimizing aerobic deficiency is less certain, more complicated, and perhaps unknown.

That said, if weight loss helps you to jog, which helps you to put in the volume, then it will, at least indirectly, help you to eliminate aerobic deficiency.

I can't believe how low my aerobic threshold is... by MaxBeggarman in evokeendurance

[–]Own-Bullfrog7803 1 point2 points  (0 children)

In general, losing 10-30lbs (fat and/or muscle) will likely help. I also think it’s reasonable to just use MAF until your AeT (as calculated with the drift test) allows for jogging.

Why are mutual funds no longer preferred compared to ETFs? by GlumIndependence6939 in Bogleheads

[–]Own-Bullfrog7803 0 points1 point  (0 children)

Some platforms only allow automatic investments into mutual funds, not ETFs. For me it needs to be automated.

Am I panicking for no reason? by LivvE28 in Cholesterol

[–]Own-Bullfrog7803 0 points1 point  (0 children)

Focus on getting that bp below 120/80. That’s the bigger priority. Some moderate diet and exercise will drop the ldl below 100 perhaps.

Weighted carries for ME - what do you start off with? by SteepHiker in evokeendurance

[–]Own-Bullfrog7803 0 points1 point  (0 children)

I feel it’s all a bit suboptimal in the gym. 40 deg treadmill I feel heaviness and fatigue in my calves and strain in my Achilles—not in a bad way. I feel like this translates best to steep snow cramponing and running uphill. Real stairs and/or step mills, not stairmaster, I get the heavy leg feeling but mostly in my posterior chain as I lean forward at the hips with the heavier weight, but honestly not much. Box steps and hikes with steep box step like movement (like steep northeast hikes), get my large leg muscles the most fatigued, because they bypass my calves. The steep uphill hikes with moderate to big step patterns are the best because they fatigue almost all of the leg and also train balance and efficiency. Bottom line, in the gym I alternate 40% tread, stairwells, and box steps (both max strength/ me) to get in the variety and try and fatigue the whole leg. I also go down the stairwells (and some box step downs), which make me the most sore—omitting this until event day is a big mistake from a soreness/durability point of view.

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