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Re: Help with a put option, can i exercise it?

If you take the title of this thread, and enter it in Google, the first result will tell you want you need to know.
The advise you got from Ladygeek, when judged by its long term impact, is probably the best investing advise you have received thus far in life.
by Elbowman
Tue Apr 15, 2014 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with a put option, can i exercise it?
Replies: 13
Views: 354

Re: Available Funds in 401K - Opinions please

The most important information for this decision is the expense ratio your plan is charging for each of those funds. If you can find those, we can help you :) .
by Elbowman
Tue Apr 15, 2014 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Available Funds in 401K - Opinions please
Replies: 8
Views: 555

Re: 20+ Year Treasury Bond

I think some people who use the Permanent Portfolio might hold that. But they are expecting volatility from it, not safety. With a duration that long you really could see a stock like crash if interest rates increased just a couple of percent, and holding for the long term is easier said than done.
by Elbowman
Thu Apr 10, 2014 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: 20+ Year Treasury Bond
Replies: 6
Views: 660

Re: How to invest my "Emergency Fund"

+1 to b4nash's suggestion, particularly the I Bonds (careful though, you must wait a year before withdrawing) and FDIC insured CDs. Basically things with no risk of loss of principal. Also you mentioned that the biggest emergency you foresee is needing to get a new car. Two things about that... 1) E...
by Elbowman
Wed Apr 09, 2014 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest my "Emergency Fund"
Replies: 20
Views: 1976

Re: 401k Investment Options

Your current 401(k) elections are not great, but you are fortunate to have a great US stock option (VINIX) and a pretty good bond option (BMOIX). If you use your Roth IRA to hold the Extended US Stock Market (VEXMX, a 4:1 ratio of Institutional index to Extended index recreates the "total"...
by Elbowman
Wed Apr 09, 2014 3:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Investment Options
Replies: 12
Views: 476

Re: Random Walk Down Wall Street

The less history you know, the more susceptible you are to the idea that "this time it's different".
by Elbowman
Fri Mar 14, 2014 12:40 pm
 
Forum: Investing - Theory, News & General
Topic: Random Walk Down Wall Street
Replies: 27
Views: 2315

Re: Why is index investing better considering these funds

You're going to spend tens of thousands of hours, perhaps a hundred thousand hours of your life working to make money. You need to take the tiniest fraction of that, perhaps five to ten hours, and read a book to find out what you should do with the money you are working so hard to make. I suggest &q...
by Elbowman
Tue Mar 11, 2014 10:39 pm
 
Forum: Investing - Theory, News & General
Topic: Why is index investing better considering these funds
Replies: 23
Views: 3026

Re: 25 YR Old Just Starting Out-Help with 401K/Investing

Watch the fixed income allocation. You could easily live to 100. I strongly encourage you to move to 100% equity allocation ASAP. You will certainly--certainly--thank me in 50 years. Look at any DJIA chart for the last 100 years if you doubt me. And research the number of ten year periods in which ...
by Elbowman
Tue Mar 04, 2014 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 YR Old Just Starting Out-Help with 401K/Investing
Replies: 11
Views: 1545

Re: Private Equity Individual Stock Holdings

Are there papers suggesting a single Private Equity firm's holdings will mirror the total distribution of Private Equity holdings much better than the stock market?
by Elbowman
Mon Dec 30, 2013 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: Private Equity Individual Stock Holdings
Replies: 4
Views: 265

Re: Poll: "Bonds are for safety (True or False)".

Thanks for the replies. I put the poll up because I often see that statement as if it were dogma. Of course, I like to challenge it then! ;) My opinion is that while bonds are indeed a safer part of my portfolio, they are not "for" safety. That's what bank accounts and CDs are for. Vangua...
by Elbowman
Thu Dec 26, 2013 4:14 am
 
Forum: Investing - Theory, News & General
Topic: Poll: "Bonds are for safety (True or False)".
Replies: 63
Views: 3877

Re: Order by tax efficiency: VWO, VSS, VBR

Thank you everyone for your responses, they are very helpful! You've confirmed that my VWO in taxable is probably OK, shown me how to compute this for myself in the future, and the numbers you've found are close enough to reaffirm my belief that decisions like this will probably be lost in the noise...
by Elbowman
Tue Dec 24, 2013 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Order by tax efficiency: VWO, VSS, VBR
Replies: 8
Views: 829

Order by tax efficiency: VWO, VSS, VBR

Hi Bogleheads, So I have five funds in my portfolio: total stock market (VTI), small-cap value (VBR), international small-caps (VSS), emerging markets (VWO), and total bond market (BND). My question is which order to place them in my taxable account. I assume TSM first and TBM last, and after TSM I ...
by Elbowman
Mon Dec 23, 2013 1:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Order by tax efficiency: VWO, VSS, VBR
Replies: 8
Views: 829

Re: Portfolio Help: 26 and Pregnant

Congratulations! 1) Utah does seem to be one of the favorites on this board. And if you choose the age based plan you can just put everything in that, and don't have to worry about I Bonds, etc. 2) If you have a proper IPS you should never really be confused as to what to do with extra cash. Just in...
by Elbowman
Wed Dec 18, 2013 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help: 26 and Pregnant
Replies: 14
Views: 1211

Re: 28 y/o Investor With 1M Portfolio Needs Advice

pkcrafter wrote:No, 100% equity is not a good idea, especially after the current market run-up.
+1. I'd be 70/30 max, 60/40 maybe.
by Elbowman
Fri Dec 13, 2013 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: 28 y/o Investor With 1M Portfolio Needs Advice
Replies: 31
Views: 4428

Re: Good article on style premium investing & AQR new fund

Finally, assume behavioral stories go away--then you want to be the first to exploit them, capturing big one time gains as spreads narrow. Just don't want to be the last one. I know this is only one of many many arguments you made, but... isn't that terrible investing advice? Doesn't that imply tim...
by Elbowman
Wed Dec 11, 2013 2:10 am
 
Forum: Investing - Theory, News & General
Topic: Good article on style premium investing & AQR new fund
Replies: 36
Views: 3120

Re: Bond question

Their argument was that they are young and can take the risks. Yes, you are young and you can afford to take risks. That is why it is reasonable to put 70-80% of your portfolio into an asset class that can lose 50% of its value in a year. However, at no point in your investing life do you want to t...
by Elbowman
Fri Nov 15, 2013 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: Bond question
Replies: 28
Views: 1354

Re: Another note from my brother, the armchair economist

Riverstwo wrote:As for me Im just gonna
watch it unfold in time, a little taper here and add in some derivatives with smoke and mirrors and sham-wow.
While most of his advice is sound, I would avoid purchasing a ShamWow.
by Elbowman
Mon Nov 11, 2013 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another note from my brother, the armchair economist
Replies: 24
Views: 2505

Re: 100 Percent Equity Asset Allocation

Question: Given high risk tolerance for young investors, is there any non-psychological reason not to adopt a full equity AA for their retirement accounts? Yes. Call it "expected utility". Here is the classic example: say some billionaire offered you a choice; he will either give you $10,...
by Elbowman
Wed Nov 06, 2013 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100 Percent Equity Asset Allocation
Replies: 36
Views: 4234

Re: Maximizing ROI - Three Fund Portfolio

Risk is not an issue with me in the slightest. Interesting. Here is a question: say you met some eccentric billionaire who wanted to toy with your emotions, and he offered you either a guaranteed $10,000,000, or a coin flip where you win $25,000,000 on heads, and get nothing on tail. Which would yo...
by Elbowman
Fri Oct 18, 2013 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Maximizing ROI - Three Fund Portfolio
Replies: 12
Views: 964

Re: Maximizing ROI - Three Fund Portfolio

Some people may disagree, but here is what I believe to be a basic tenet underlying Boglehead investing theory: When in doubt, assume you are close to average, and then adopt a strategy that would work well for the average person. A priori you more likely to be average than anything else in particul...
by Elbowman
Fri Oct 18, 2013 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Maximizing ROI - Three Fund Portfolio
Replies: 12
Views: 964

Re: 26 year old - looking for advice

The recommendation for emergency funds is 6-12 months worth of expenses. I would total up necessary monthly expenses (rent + car + insurance + basic living expenses + minimum student loan payments) and keep six times that amount in your emergency fund. I doubt your current EF is unnecessarily high.
by Elbowman
Mon Sep 09, 2013 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 26 year old - looking for advice
Replies: 9
Views: 688

Re: bad time for bonds?

In general, its a bad idea to change your investments based on current events. A Three Fund Portfolio is going to do a find job over your lifetime, and your biggest risk is you will mess it up through tinkering. That being said, it wont be the end of the world if you use a stable value fund, short ...
by Elbowman
Thu Sep 05, 2013 11:12 pm
 
Forum: Investing - Theory, News & General
Topic: bad time for bonds?
Replies: 37
Views: 3714

Re: bad time for bonds?

In general, its a bad idea to change your investments based on current events. A Three Fund Portfolio is going to do a fine job over your lifetime, and your biggest risk is you will mess it up through tinkering. That being said, it wont be the end of the world if you use a stable value fund, short t...
by Elbowman
Thu Sep 05, 2013 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: bad time for bonds?
Replies: 37
Views: 3714

Re: I just don't get this rise in interest rates

dbc47 wrote:but it is hard to be happy when bond NAVs are dropping almost daily.
If you are actually checking the NAV price of your funds on a daily basis, you should probably stop. It doesn't really do any good, can make people emotional (surprise!), and emotional people tend to make bad financial decisions.
by Elbowman
Thu Sep 05, 2013 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: I just don't get this rise in interest rates
Replies: 104
Views: 6870

Re: Another fun 'help me with the 401k' thread...

BR S&P index INV A Class (MDSRX) .56 That's basically a large-cap SP500 fund with a reasonable expense ratio. In your position I would probably put most of the 401k assets into this fund and then use your Roth IRA to cover bonds and international. +1. In reality S&P 500 is fairly well diver...
by Elbowman
Thu Sep 05, 2013 2:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Another fun 'help me with the 401k' thread...
Replies: 14
Views: 1228

Re: Tilting to value/small

Does anyone slice their domestic equities into Large Growth, Large Value, Small Growth, and Small Value? No, most people who choose this "four corners" type slice and dice choose Large Blend , Large Value, Small Blend , Small Value. Rick Ferri argued in All About Asset Allocation that the...
by Elbowman
Tue Sep 03, 2013 6:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tilting to value/small
Replies: 25
Views: 2477

Re: Funding IRA and "Minimum Investments"

I know my 10% stake in my company stock (Wells Fargo) is a bit beyond the percentage of the "fun money" recommended by Bogle (he recommends no more than 5%). But I'm young, feel moderately aggressive, enjoy the company I work for, and believe long-term that Wells Fargo is a pretty good st...
by Elbowman
Tue Aug 27, 2013 4:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Funding IRA and "Minimum Investments"
Replies: 14
Views: 429

Re: Pulling Trigger - Portfolio Holdings & Allocation

Your costs are low, and you are reasonably diversified. If you invest early and often, and stay the course, you will be fine.
by Elbowman
Tue Aug 27, 2013 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pulling Trigger - Portfolio Holdings & Allocation
Replies: 12
Views: 727

Re: Help needed for high anxiety w/ new MF picks

You seem to believe that active managers with good past returns can be counted on to overcome their expenses and beat the market. The data does not support that idea. But I doubt I will be able to convince you of that by myself, and you probably shouldn't be making million dollar decisions based on ...
by Elbowman
Fri Aug 23, 2013 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help needed for high anxiety w/ new MF picks
Replies: 19
Views: 1131

Re: WisdomTree as a proxy for value

Well I can't answer your question directly, but since no one else is responding, I can tell you why I chose VSS over DLS. When it comes to tilting, especially towards value, I've decided that my foremost concern is costs. My reasoning is: what would happen if the value premium disappeared? I'm fairl...
by Elbowman
Thu Aug 15, 2013 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: WisdomTree as a proxy for value
Replies: 5
Views: 845

Re: Finally Consolidating - Evaluate My 100k Portfolio

Tebowed wrote:3.82% ECON (Emerging Markets Consumer Titans Index) (0.85%)
IMO 0.85% is too expensive.
by Elbowman
Wed Aug 14, 2013 12:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Finally Consolidating - Evaluate My 100k Portfolio
Replies: 9
Views: 870

Re: Car Worth Repairing?

Thank you everyone for you time and experience! I find the idea that the repair cost is already lost because a broken car has little resale value particularly interesting. On the other hand, the car does go through oil fast. We will look into a compression test. mike143, can I ask the source of your...
by Elbowman
Wed Aug 07, 2013 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Worth Repairing?
Replies: 20
Views: 1609

Re: Tax Implications of Gift to Siblings?

Thanks again everyone for your time and thoughts! You have thoroughly answered my questions :D
by Elbowman
Wed Aug 07, 2013 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Implications of Gift to Siblings?
Replies: 16
Views: 1039

Re: Car Worth Repairing?

Thanks for all the replies! The car has a gasoline engine. Auto transmission, with the quote from the mechanic (not the dealer, but I don't think they specialize in transmissions). The timing belt and water pump have been replaced. She has owned the car from the beginning, and I believe the oil has ...
by Elbowman
Tue Aug 06, 2013 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Worth Repairing?
Replies: 20
Views: 1609

Re: Tax Implications of Gift to Siblings?

Thank you all very much!
by Elbowman
Tue Aug 06, 2013 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Implications of Gift to Siblings?
Replies: 16
Views: 1039

Tax Implications of Gift to Siblings?

Hi Folks, My parents were able to pay for most of my undergrad before they realized they would be unable to do the same for my younger siblings. Now I am doing quite well (as are my parents, after moving for a new job), and I would like to give each of my three siblings $25,000 to pay down their stu...
by Elbowman
Tue Aug 06, 2013 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Implications of Gift to Siblings?
Replies: 16
Views: 1039

Car Worth Repairing?

Hi Folks, My GF has a 2002 VW Golf with 130,00 miles. Recently the transmission broke, and the mechanic says it will cost about $2600 to repair, including labor. We are trying to decide if it is worth repairing, or if she should get a new (used) car. If we could repair her current car and get anothe...
by Elbowman
Tue Aug 06, 2013 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Worth Repairing?
Replies: 20
Views: 1609

Re: My Personal Experience With VG and DFA Expense Ratios

If DFA ever makes their funds available to the public things will get really interesting here :D . Otherwise, a discussion comparing the ERs of DFA and VG is really only relevant to the smallish subset of Bogleheads who already have an advisor.
by Elbowman
Fri Aug 02, 2013 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: My Personal Experience With VG and DFA Expense Ratios
Replies: 27
Views: 2784

Re: Cap-weighted funds

3 out of 10.
by Elbowman
Mon Jul 15, 2013 2:31 am
 
Forum: Investing - Theory, News & General
Topic: Cap-weighted funds
Replies: 18
Views: 1013

Re: how bad would it hurt to spend an extra 10k on a car (24

Regardless of how much you decide to spend, hopefully you know that it makes the most financial sense to buy a used car (most sources I've heard say around three years old). I've driven a $9k used car for about 6 years now, and it will go for many more. For my next car I will probably reward myself ...
by Elbowman
Fri Jul 12, 2013 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: how bad would it hurt to spend an extra 10k on a car (24 yo)
Replies: 93
Views: 4882

Re: 1 Broker or 2

Red35 wrote:What is a "Black Swan" event?
http://en.wikipedia.org/wiki/Black_swan_theory
by Elbowman
Thu Jul 11, 2013 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1 Broker or 2
Replies: 10
Views: 851

Re: The enemy of "left tail" portfolios - bonds

I wouldn't call anything within one standard deviation a "tail".
by Elbowman
Fri Jun 28, 2013 9:53 pm
 
Forum: Investing - Theory, News & General
Topic: The enemy of "left tail" portfolios - bonds
Replies: 29
Views: 2317

Re: what you should know about the recent market drop

telemark wrote:I group politics with earthquakes, tsunami, and other natural disasters. Of course they affect the market; just not in ways that can be predicted beforehand*.

* Making predictions afterwards is always a popular sport.
+1.
by Elbowman
Wed Jun 26, 2013 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: what you should know about the recent market drop
Replies: 27
Views: 5655

Re: Newbie Seeking Index Fund Info

You need to increase your savings rate substantially :| . It looks like you are saving 12 x $100 + 52 x $30 = $2760 a year. The recommended rate is 15% of your take home pay, or (assuming your effective tax rate is approximately 25%) $75,000 x 0.15 = $11,250.
by Elbowman
Wed Jun 26, 2013 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Newbie Seeking Index Fund Info
Replies: 12
Views: 1165

Re: Newbie Seeking Index Fund Info

I know it seems like a lot of work, but you probably won't get any useful replies until you post in the format described here: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 . Be sure to add the funds available in your 401k and their expense ratios, and if there is a company match. The...
by Elbowman
Mon Jun 24, 2013 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: Newbie Seeking Index Fund Info
Replies: 12
Views: 1165

Re: First Investment Steps

As you may know, the Vanguard Target Retirement and LifeStrategy funds essentially ARE three fund portfolios (they now have a little Total International Bond, and Target Retirement funds add some TIPS as you enter retirements, but I'd imagine this extra bit of diversification at no work to you is mo...
by Elbowman
Mon Jun 24, 2013 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Investment Steps
Replies: 8
Views: 725

Re: USING TAX MANAGED FUNDS IN A NON TAX SHELTERED ACCOUNT

A) All caps title...?
B) You have it backwards, tax managed funds are designed for taxable accounts.
by Elbowman
Mon Jun 24, 2013 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using Tax Managed Funds in a Tax Sheltered Account
Replies: 6
Views: 425

Re: If the Fed quits buying Bonds, won't Bond yields rise?

For long term holders that is a good thing, but when bond yields rise, the resale value of already existing bonds drops.
by Elbowman
Fri Jun 21, 2013 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: If the Fed quits buying Bonds, won't Bond yields rise?
Replies: 20
Views: 1998

Re: Another "How does this portfolio look" thread! Yay!

My three comments would be: 1) You already have a lot of exposure to lower cap stocks with your small and mid cap funds. Why are you paying 0.4% for an equal weight S&P500 fund when you could pay 0.04% for VOO? 2) Commodities are what you add for diversification when you already have stocks and ...
by Elbowman
Fri Jun 21, 2013 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another "How does this portfolio look" thread! Yay!
Replies: 5
Views: 513
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