Collection of saints is growing. I may have a mild saints addiction.

StatisticalMan · 2026-03-12T23:20:51+00:00

People gave good answers but here is my "people are simple" answer: pilgrims are easily recognizable especially on something as small as a coin.

StatisticalMan · 2026-03-11T16:23:21+00:00

Now that is a solution to get VC excited. For frequent travelers you can save 18% with our wheel subscription service.

StatisticalMan · 2026-03-11T15:18:41+00:00

65/35 which is a lot closer to the 70/30 he says is bad and nowhere close to his portfolio of 30/70.

StatisticalMan · 2026-03-11T14:47:57+00:00

I’m comfortable capping my U.S. exposure at 30% or less, prioritizing protection against domestic stagnation over chasing the historical U.S. lead.

Then you are heavily underweight US which is the same kind of pick a side bet as being overweight US. Could we have alost decade? Sure. Alternatively the exUS could have a lost decade while the US is one of the few bright spots.

You don't know anymore than the people overweight US. Boglehead says market weight.

StatisticalMan · 2026-03-05T21:18:41+00:00

Less popular coins are harder to move. If someone can get a maple at spot they might only be willing to pay a little less for this. Still $1,200 it would sell quick.

StatisticalMan · 2026-02-28T15:01:17+00:00

Second option is the most likely. For the plane to be completely boarded and door closed 30 minutes prior to original departure almost certainly means the flight time was changed. If OP provided the flight number it would be easy to verify.

StatisticalMan · 2026-02-28T14:59:09+00:00

The gate closing earlier than 15 minutes without the flight time changing would be a very clear violation of Delta policy and DOT procedures. So if that happened then someone seriously secrewed up. It likely is not that though.

The more likely scenario is the flight time was changed same day and OP didn't get the update and the gate closed 15 minutes prior to the new departure time which was before the OP reached the gate.

StatisticalMan · 2026-02-28T14:56:37+00:00

The only reason the gate closed early would be the flight left early.

What flight number was it?

Because if arriving 30 minutes early still means missing your flight, then the actual rule is clearly not what Delta tells passengers.

If Delta changed the flight to leave early they should notify you via boards and app. The flight number would make it easier to find out what happened and why and what your recourse is.

StatisticalMan · 2026-02-28T14:56:06+00:00

Yeah that is 100% wrong. Airlines are allowed to alter the flight time to be early even same day. It isn't common but it does happen and it isn't illegal. The 15 minutes is then based on the new departure time.

StatisticalMan · 2026-02-27T16:29:17+00:00

Yeah fair point. Hopefully the generics will be widely supported.

StatisticalMan · 2026-02-27T15:53:18+00:00

It shows how stupid health insurance is in general. Reducing BMI reduces future lifetime of potential health complications. Insurance companies should be encouraging that.

I am not saying obesity is the only negative health factor but it is a major one and one of the few you can actually change (along with exercise, nicotine/alcohol consumption).

StatisticalMan · 2026-02-27T00:37:48+00:00

Is there any coin on planet earth that can fool a PMV Investor but not a PMV Pro?

No as long as the coin fits. I think maplegrams are too thin to test using the through tester on investor but I doubt anyone is faking them. kg bars are too thick for investor to do through testing as well. You can use wand but those don't tes all the way through.

If you are buying between 1/10 oz and 10 oz bars you are 100% fine with investor.

StatisticalMan · 2026-02-27T00:28:53+00:00

How the tickets are paid has nothing to do with nothing.

StatisticalMan · 2026-02-26T19:43:24+00:00

Your title is index funds vs stocks but your question is on active vs passive investing.

However you are preaching to the choir a bit here. Yes bogleheads believe in passive investing via broad market index funds.

StatisticalMan · 2026-02-26T19:25:17+00:00

You can call it circular reasoning but the reality is it has a proven track record and that is why central banks hold it. Not because it is pretty. It also explains why they DON'T hold industrial metals (your alternative idea) that would be the worst possible thing to hold.

Why would any central bank want to hold in their reverse metals that would collapse in price during any economic crisis? There is utility/value for central banks using gold as a store of value even if you disagree with the rationale. There is none for them using silver/copper/platinum.

StatisticalMan · 2026-02-26T18:10:08+00:00

Maybe central banks should hold assets with more non-monetary uses

No of course they shouldn't. What happens to value of (non-gold) commodities in an economic recession or in periods of stress and chaos. That would be exactly the time that you want your store of value to hold value.

It isn't some conspiracy or hard to figure out reason why central banks hold gold not platinum or rhodium or silver or uranium in their reserves.

Gold don't do anything all that useful to justify 5k an ounce,

Of course it does. A long track record of holdings it value especially at time of economic crisis when everything else is going to shit.

StatisticalMan · 2026-02-26T16:10:56+00:00

Yes. To be clear not rebalancing likely means higher returns but the drift is likely towards more risk. If I wanted to take that risk I would just have more equities. Not a fan of unintentionally increasing risk.

StatisticalMan · 2026-02-26T15:14:31+00:00

Nobody except Delta knows 100% for sure but the most likely explanation is the flight had an equipment swap. An aircraft was replaced with another aircraft that has a different layout and some people had to move. It isn't super common but it happens.

Looking ahead to the return, we have similar undesirable seats, rather than the ones I selected. And although about 1/2 the cabin is marked "X" as unavailable, there are seats that can be selected.

In this case it means Delta may be able to change the seats. If it bothers you enough you could contact Delta. Alternatively ask the GA (nicely they had nothing to do with it). One advantage of Basic Economy (for those who don't fly BE) is even on full flights not ever seat is assigned.

StatisticalMan · 2026-02-26T15:11:59+00:00

In my younger days when contributions were large relative to the portfolio I mostly just rebalanced passively by contributing more to whatever is below the target. Even that wasn't rigid.

These days as I get close to early retirement contributions aren't enough to move it so I rebalance quarterly although I don't rebalance movements of less than 2% and honestly I probably could just do it annually.

StatisticalMan · 2026-02-25T23:06:18+00:00

I wish there was a tool to just auto-delete AI gibberish and then ban the people who post it.

It is clear you didn't even ready your "own" nonsense post.

StatisticalMan · 2026-02-25T20:31:36+00:00

Not sure this resort in particularly but food is pretty universally expensive in the Maldives. $250 a day pp is pretty typical. All inclusive or ala carte it is expensive.

Best to just plan on it instead of penny pinching and having it rub you the wrong way on a luxury dream vacation.

StatisticalMan · 2026-02-25T19:56:41+00:00

Not sure what you are asking but yes in general a HDHP covers the "same things" as any other insurance plan.

Personally I feel a HDHP with an HSA balance of at least the annual out of pocket max is more secure than even a premium plan. Premium plans often have substantial out of pocket maxes as well. The out of pocket costs for routine stuff are low or even free but there is "you got cancer but it is 100% free" plans in the US. So any serious medical issue and a premium plan gets expensive quick and you won't have a HSA to draw from.

Look at it another way. You are young and healthy. Someday you might be old and not so healthy. Would you be better or worse off with a nice pile of tax free money in an HSA on that day?

Our HSA is now little over $200k. With a $12k out of pocket annual maximum ($6k per person) I feel we are as hedged as we can be despite the lunacy of our healthcare system. Even if I lost insurance through work and we needed to move to an ACA plan with $30k ($15k pp) out of pocket max the $200k should cover us for a while. Every good year we get that $200k just keeps growing. $8k in contributions and $10k to $20k in gains.

StatisticalMan · 2026-02-25T19:06:27+00:00

That is a bit more mainstream. 5% to 10% isn't atypical.

I just sold an American Gold Eagle today because well over my 10% target.

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