Search found 136 matches

by atdharris
Mon Sep 16, 2019 2:07 pm
Forum: Personal Consumer Issues
Topic: House centipedes in an apartment
Replies: 18
Views: 1149

Re: House centipedes in an apartment

Are you on the first floor? Go buy some insect-barrier spray at Home Depot or Lowe's and spray all along the edges of the exterior of your unit AND the interior floors of your unit. (If you have a pet, make sure its pet friendly.) This will definitely help. If it doesn't help and you want to spend ...
by atdharris
Mon Sep 16, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 117
Views: 6758

Re: Do You Tip At Counter Service Restaurants?

I hate how the touch screens now shame you for not tipping. I shouldn't be asked to tip at a fast food restaurant where the person merely hands me my food and I serve myself.
by atdharris
Thu Sep 12, 2019 10:11 am
Forum: Personal Investments
Topic: New Merrill Edge cash solutions (possibly?)
Replies: 10
Views: 1080

Re: New Merrill Edge cash solutions (possibly?)

Is there any options for something less than $100k? I don't have that kind of money sitting in cash.

Edit: nevermind, I see only 1 fund, and it has a .69 management fee and yields only 1.49%. I may as well keep my cash in SHV.
by atdharris
Thu Aug 29, 2019 10:24 am
Forum: Personal Investments
Topic: Why own individual stocks?
Replies: 103
Views: 12138

Re: Why own individual stocks?

All have done very well for me. I lost big bets on DNDN and RMBS. There's a few losers in there, but overall I have beaten the market... but beaten the market with about 10% of my overall investment dollars. I wouldn't place 100% of my money in individual stocks. 5-10 picks a year isn't really enou...
by atdharris
Thu Aug 29, 2019 9:54 am
Forum: Personal Investments
Topic: Why own individual stocks?
Replies: 103
Views: 12138

Re: Why own individual stocks?

If you have the time and knowledge to properly manage individual stocks, then go for it. I have found that I have neither. I still do trade and own some individual names - mostly companies I use daily and two that I think are disrupters, but the majority of what I have are in index funds. The last 1...
by atdharris
Wed Aug 28, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: American Express continues to ask for my income
Replies: 68
Views: 5411

Re: American Express continues to ask for my income

Why is it such a big deal to provide it? Amex is extending you credit, and presumably, you had to report your income when you applied for the card. Updating it allows them to better determine your ability to pay.
by atdharris
Wed Aug 28, 2019 8:21 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 210
Views: 48637

Re: GEICO auto rates vs. USAA: too good to be true?

I am considering the switch once again after backing off of it a few months ago. I currently pay $1121 every 6 months for USAA insurance, and Geico quoted me $596 every 6 months for the same coverage. I know USAA is the best in the business when it comes to actually using the insurance, but I am hav...
by atdharris
Tue Aug 27, 2019 11:40 am
Forum: Personal Investments
Topic: PIMIX, income, cash, interest rates?
Replies: 65
Views: 7647

Re: PIMIX, income, cash, interest rates?

I have owned it for a long time as part of my fixed income portion - I hold that and AGG. It's a terrific fund, but it moves more with equities than it does against the market if it sells off. You won't find many people here who would support owning it, but I'd argue that actively managed bond funds...
by atdharris
Tue Aug 27, 2019 11:14 am
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 116
Views: 11656

Re: VTIAX International fund - should I give up on it?

We can debate this issue for all eternity. It all comes down to what you are comfortable with. People will argue that international someday will shine once again. And that may be, but I am more interested in emerging markets rather than international developed. I have not seen any compelling reason ...
by atdharris
Wed Aug 21, 2019 4:14 pm
Forum: Personal Investments
Topic: VFIAX or VOO?
Replies: 21
Views: 1139

Re: VFIAX or VOO?

If you can get the mutual fund transaction free, go with it, especially if it's in an IRA. I don't like to re-invest dividends in a taxable account due to tax issues but in my IRA/401k, I have all my funds set up to re-invest
by atdharris
Tue Aug 20, 2019 10:13 am
Forum: Personal Investments
Topic: How much does your employer 401k plan charge?
Replies: 43
Views: 2546

Re: How much does your employer 401k plan charge?

As far as I know, my plan does not charge a fee. I work at a large law firm. Our plan is through Fidelity. No one has ever mentioned an admin fee, nor have I seen any charged to me.
by atdharris
Tue Aug 20, 2019 10:12 am
Forum: Personal Investments
Topic: Boglehead Baby
Replies: 13
Views: 1192

Re: Boglehead Baby

Unless you plan to gift over $11 million in your lifetime, I would not worry. Even if you gift over $15,000 in a year, it will only count against your lifetime cap of $11 million. You won't pay any taxes until you hit that $11 million threshold.
by atdharris
Mon Aug 12, 2019 9:59 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio bullish on China (China market cap to overtake US in 2030?)
Replies: 47
Views: 3747

Re: Ray Dalio bullish on China (China market cap to overtake US in 2030?)

How are people gaining exposure to China? Through EM funds or buying a Chinese specific ETF? I tilt towards EM through VWO currently.
by atdharris
Fri Aug 09, 2019 1:25 pm
Forum: Personal Investments
Topic: thoughts on international funds
Replies: 67
Views: 4653

Re: thoughts on international funds

I think much of the international ballyhoo is because many on this board have lost so much money vs the US over the last decade they are bitter and want to prove they were right from a theoretical standpoint. Those people will never in their lifetimes regain the losses they have incurred by stubbor...
by atdharris
Wed Aug 07, 2019 9:25 am
Forum: Personal Investments
Topic: thoughts on international funds
Replies: 67
Views: 4653

Re: thoughts on international funds

Bogle and Buffet do not recommend international stocks because they argue that S&P 500 companies have plenty of international exposure. I tend to agree, but I do hold about 15% of my equities in VEA/VWO, however, I am considering dropping VEA for a managed international fund. I do not see any compe...
by atdharris
Wed Aug 07, 2019 9:00 am
Forum: Personal Investments
Topic: thoughts on international funds
Replies: 67
Views: 4653

Re: thoughts on international funds

Bogle and Buffet do not recommend international stocks because they argue that S&P 500 companies have plenty of international exposure. I tend to agree, but I do hold about 15% of my equities in VEA/VWO, however, I am considering dropping VEA for a managed international fund. I do not see any compel...
by atdharris
Tue Aug 06, 2019 1:28 pm
Forum: Personal Investments
Topic: International Active Funds (at a reasonable price)
Replies: 31
Views: 2050

Re: International Active Funds (at a reasonable price)

I am considering at least moving my international developed holding (VEA) to an actively managed international fund. I have found countless funds that have outperformed VEA since 2000. I'll hold onto VWO, which has performed even worse, but I don't see many compelling investments in the Eurozone or ...
by atdharris
Tue Aug 06, 2019 11:37 am
Forum: Personal Investments
Topic: Ally & Marcus Dropping Some Interest Rates (Title Edited 8-8-19)
Replies: 59
Views: 8344

Re: Ally Dropping Interest Rate on their Online Savings Account 8-6-19

I have my savings at Amex, which pays 2.1%. No email from them yet about dropping rates, but I expect they will follow the lead eventually.
by atdharris
Fri Aug 02, 2019 3:32 pm
Forum: Investing - Theory, News & General
Topic: Why Mr. Bogle prefers U.S stocks
Replies: 241
Views: 17603

Re: Why Mr. Bogle prefers U.S stocks

The way I look at things is this: the world economies are more interconnected than ever, and a near majority of revenue from the S&P 500 is derived from overseas. Perhaps the US does not outperform at the pace it has from 2009 to today, but at what condition does the rest of the world perform well w...
by atdharris
Mon Jul 29, 2019 2:28 pm
Forum: Personal Investments
Topic: Buying Amazon Stock
Replies: 28
Views: 3454

Re: Buying Amazon Stock

I am not a pure Boglehead, so I am not totally against owning individual stocks, but if you do not have enough to even buy one share, ask yourself if it is worth it. You want to build up a steady base of funds like a TSM fund and only use a smaller percentage to buy something like Amazon. It, like o...
by atdharris
Thu Jul 25, 2019 3:28 pm
Forum: Personal Investments
Topic: first time poster, my portfolio
Replies: 10
Views: 838

Re: first time poster, my portfolio

Just curious: you're 25. Why do you have your portfolio positioned as if you are 75 years old?
by atdharris
Tue Jul 23, 2019 2:09 pm
Forum: Personal Investments
Topic: Best Large Cap Value Fund/ETF
Replies: 9
Views: 981

Re: Best Large Cap Value Fund/ETF

Does adding a value fund really help your portfolio versus just holding a total market fund? Value outperformed in the 2000s, but then dropped more than the total market during the market crash and has underperformed since.
by atdharris
Fri Jul 12, 2019 8:35 am
Forum: Personal Investments
Topic: Can I put money in Roth before I earn it?
Replies: 8
Views: 1302

Re: Can I put money in Roth before I earn it?

Yes. 401k is the type of account where it comes out of your paycheck.
by atdharris
Tue Jul 09, 2019 11:14 am
Forum: Personal Investments
Topic: VFIAX or VTSAX (among other questions)...
Replies: 13
Views: 1902

Re: VFIAX or VTSAX (among other questions)...

There is little difference between the returns of the S&P 500 and total US market. I own the S&P 500 and hold some IJR for small cap, but even with that, I think things are too complex and I should just put all of that into the S&P 500 and forget about it.
by atdharris
Mon Jul 08, 2019 10:29 am
Forum: Personal Investments
Topic: My asset allocation for an agressive 29 yo - any thoughts?
Replies: 19
Views: 1858

Re: My asset allocation for an agressive 29 yo - any thoughts?

I definitely would not include 25% in REITs unless you have some sort of reasoning for that.
by atdharris
Wed Jul 03, 2019 8:28 am
Forum: Personal Investments
Topic: Question for the 5%...Anyone buying any individual stocks?
Replies: 51
Views: 4574

Re: Question for the 5%...Anyone buying any individual stocks?

I still do. Several big banks, the FAANG stocks minus Netflix, Home Depot, Salesforce, and McDonald's. All have such large gains that I am hesitant to sell due to all the capital gains taxes I would face.
by atdharris
Tue Jul 02, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Any insurance beating USAA?
Replies: 42
Views: 3218

Re: Any insurance beating USAA?

I am still trying to decide whether to leave them or not. Over the years, my rates for auto insurance have continued to increase. I recently quoted Geico for $108/month whereas I pay about $187/month for USAA for the same coverage. I am told by PI attorney friends that USAA is the best insurer they ...
by atdharris
Mon Jul 01, 2019 11:27 am
Forum: Personal Investments
Topic: Moving from Vanguard to Merrill Edge
Replies: 111
Views: 14147

Re: Moving from Vanguard to Merrill Edge

For the credit cards, its a 75% bonus over the posted returns. For example, cash rewards nets you 1.75% back on general, 3.5% back on groceries/warehouses, and 5.25% back on a choice of gas/online/travel/drug stores, etc. The premium rewards card gives you 2.625% on general, 3.5% back on dining and ...
by atdharris
Wed Jun 26, 2019 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: BOA Credit Card Linked to Merrill for 2.625%
Replies: 53
Views: 3934

Re: BOA Credit Card Linked to Merrill for 2.675%

You should get the premium rewards card. It's much more flexible than the travel rewards card, and they essentially pay you $5 to have it with its $100 airline credit and $95 AF. I use mine all the time and have redeemed over $1000 in cash back so far this year
by atdharris
Wed Jun 26, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Ally savings acct lowers rate by 10 bps to 2.1%
Replies: 40
Views: 5892

Re: Ally savings acct lowers rate by 10bp to 2.1%

I guess it makes me feel better for not rate chasing and moving my savings from Amex to Ally.
by atdharris
Tue Jun 25, 2019 10:47 pm
Forum: Personal Consumer Issues
Topic: Dental implant... almost done! COMPLETE!
Replies: 64
Views: 4641

Re: Dental implant... almost done!

My journey was from early April till October of last year. I broke a tooth on a piece of glass in a capers jar. Tooth 30. The extraction and surgery for the implant ran me $3500. I had the implant and healing cap immediately placed in April all at once, then impressions done sometime in August I bel...
by atdharris
Fri Jun 14, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 4923

Re: 40+% increase in auto policy (GEICO) - normal?

This was my worry. I am currently with USAA and pay about $1150 every 6 months. GEICO quoted me $607, but I was worried they would just jack up my rates once I switched. That, and a friend of mine who is a PI attorney said GEICO was awful if you ever needed to use them, and USAA was the best you co...
by atdharris
Thu Jun 13, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 4923

Re: 40+% increase in auto policy (GEICO) - normal?

This was my worry. I am currently with USAA and pay about $1150 every 6 months. GEICO quoted me $607, but I was worried they would just jack up my rates once I switched. That, and a friend of mine who is a PI attorney said GEICO was awful if you ever needed to use them, and USAA was the best you cou...
by atdharris
Mon Jun 10, 2019 11:22 am
Forum: Personal Investments
Topic: Rethinking Individual Stocks
Replies: 76
Views: 7699

Re: Rethinking Individual Stocks

It's a pretty well diversified basket. 4 bank stocks (BAC, JPM, WFC, AXP), big tech (AMZN, AAPL, FB, MSFT, GOOGL) which are up a ton, Home Depot, Walmart, CVS, Visa, McDonalds. Most of them aren't more than 2% of the total portfolio. I may gradually begin selling some shares, especially the FAANG s...
by atdharris
Mon Jun 10, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa credit limit
Replies: 48
Views: 3269

Re: Costco Visa credit limit

I'd just get a different card for large purchases if you are having so much trouble. I don't even use my Costco citi card at Costco (I get better rewards with the BofA Cash Rewards, but I understand that's irrelevant if you don't bank with BofA), and the Citi DC is only good for general purchases. Y...
by atdharris
Mon Jun 10, 2019 8:38 am
Forum: Personal Investments
Topic: Difference between International funds? (Total International vs. Developed, Emerging, Growth, Value)
Replies: 8
Views: 800

Re: Difference between International funds? (Total International vs. Developed, Emerging, Growth, Value)

I hold both VEA and VWO for my developed/emerging markets exposure. I don't hold a lot of international stock, but I want some exposure to it for diversification's sake.
by atdharris
Fri Jun 07, 2019 1:18 pm
Forum: Personal Investments
Topic: How is Merrill Edge?
Replies: 51
Views: 4159

Re: How is Merrill Edge?

I like it for the sheer fact that having all my money there gives me perks I otherwise would not have (free trades, credit card booster, etc).
by atdharris
Fri Jun 07, 2019 11:02 am
Forum: Investing - Theory, News & General
Topic: What is the rationale for cash in your portfolio?
Replies: 36
Views: 2815

Re: What is the rationale for cash in your portfolio?

I hold about 4% cash as a hedge against the market in my taxable account (no cash in my Roth and 401k). I view it as an asset like a bond or an equity.
by atdharris
Fri Jun 07, 2019 10:46 am
Forum: Personal Investments
Topic: Brokerages with no-transaction fees for Vanguard funds
Replies: 36
Views: 2893

Re: Brokerages with no-transaction fees for Vanguard funds

Merrill gives you free trades if you have over $100k in your account. Vanguard MFs are not transaction free though. All ETFs and stocks are.
by atdharris
Fri Jun 07, 2019 9:28 am
Forum: Personal Investments
Topic: Rethinking Individual Stocks
Replies: 76
Views: 7699

Re: Rethinking Individual Stocks

I have 16 individual stocks that I inherited a few years ago that I want to pair down, but I also don't want to take the capital gains hits. I didn't sell when I inherited them and many are up a large amount since I received them. All are blue-chip companies though, so I guess it isn't that unsafe ...
by atdharris
Fri May 31, 2019 11:41 am
Forum: Personal Investments
Topic: Rethinking Individual Stocks
Replies: 76
Views: 7699

Re: Rethinking Individual Stocks

I have 16 individual stocks that I inherited a few years ago that I want to pair down, but I also don't want to take the capital gains hits. I didn't sell when I inherited them and many are up a large amount since I received them. All are blue-chip companies though, so I guess it isn't that unsafe t...
by atdharris
Thu May 30, 2019 1:40 pm
Forum: Personal Investments
Topic: The Best High Yield Savings Account
Replies: 25
Views: 2623

Re: The Best High Yield Savings Account

I use Amex for mine. They aren't the highest, but they have always provided me with the best customer service and a .1% difference is not a huge deal for me to keep moving money to X number of accounts.
by atdharris
Tue May 28, 2019 8:59 am
Forum: Personal Investments
Topic: Portfolio for young, worried investor
Replies: 48
Views: 3474

Re: Portfolio for young, worried investor

That portfolio would be great if you're 60 years old. You're very young, and there is no need to be fearful and buy low yielding bonds when you have such a long time horizon. You may want to minimize losses, but why? Even if it drops 40%, it's your retirement fund and it will rebound. If you lose le...
by atdharris
Thu May 16, 2019 11:01 am
Forum: Personal Investments
Topic: $1000 to invest in taxable brokerage account.
Replies: 6
Views: 482

Re: $1000 to invest in taxable brokerage account.

mhalley wrote:
Thu May 16, 2019 10:56 am
Vtsax has a 3k minimum, even if you have 200k in it in another account. VTI is good.
Yes, but if OP already has $200k invested in the fund, he can add $1000, unless this is in a different account. If so, then yes, VTI
by atdharris
Thu May 16, 2019 10:58 am
Forum: Personal Investments
Topic: Help my broker is trying to freak me out
Replies: 94
Views: 14359

Re: Help my broker is trying to freak me out

Your broker wants to scare you because he wants to keep you as a client. Depending on his pay structure, he may make a cut off your account. I remember when I cashed out my whole life insurance policy for about $80,000 years ago. My family set me up to talk to our trust account manager about my opti...
by atdharris
Thu May 16, 2019 10:51 am
Forum: Personal Investments
Topic: $1000 to invest in taxable brokerage account.
Replies: 6
Views: 482

Re: $1000 to invest in taxable brokerage account.

What do you mean? You have 200k in a retirement account and want to put $1000 in a taxable? Why not just put that $1000 into VTSAX?
by atdharris
Thu May 16, 2019 10:21 am
Forum: Personal Investments
Topic: Should I add VXF (Extended markets)?
Replies: 6
Views: 428

Re: Should I add VXF (Extended markets)?

I'm unsure if it will really matter in the long run. Some years, large caps will outperform, others, small caps. I do have about 6% of my account in IJR for small cap exposure, but it hasn't outperformed SPY by that much over time. Lately, of course, small caps have underperformed large caps and hav...
by atdharris
Thu May 16, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: How long will a shirt last?
Replies: 34
Views: 2652

Re: How long will a shirt last?

I've worn some shirts for over a decade and they are still holding up nicely. I usually buy higher end ones but find I save money over time because it is less likely they will stain or fall apart. Usually Brooks Brothers, Ralph Lauren and Lacoste shirts hold up very well. I do have some Lacoste polo...
by atdharris
Wed May 15, 2019 8:29 am
Forum: Personal Investments
Topic: Merrill Edge Users - What Do You Use for Cash Management?
Replies: 10
Views: 1645

Re: Merrill Edge Users - What Do You Use for Cash Management?

Usually just SHV or something like that. I wish ME had better cash management options. That's my only issue with them.
by atdharris
Wed May 15, 2019 8:28 am
Forum: Investing - Theory, News & General
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 210
Views: 11872

Re: What is your U.S./ex-U.S. stock allocation?

I thought Bogle was a 100% US kind of guy?

I sway back and forth with emerging markets. Conventional wisdom says that that should be a high growth market, but it hasn't panned out that way.