The adjusted community rating part of Obamacare says that insurance companies can only adjust your insurance premium based on yourage, where you live, and whether you smoke.
And in the digital age, not only is it very easy to broadcast your boudoir adventures, the bar is low for what constitutes an adventure worth writing about.
And the only reason that I am standing up here today is that back when I was yourage, I made a set of choices with my life -- do you hear me -- choices.
Bogle's approach is on the conservative side, because it means your portfolio would have substantial bond holdings even at a young age, and you would have international exposure only if you so choose.