Search found 348 matches

by atdharris
Mon May 25, 2020 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 131
Views: 27646

Re: Best cash-back credit card right now?

It's good to know and test. Unfortunately, I don't usually buy at Costco and Walmart. I get 2.75% on groceries using AAA visa signature with BoA. The extra 0.75% is not worth the fee for me. Can you do better without this 'arbitrage'? Bump. Something amazing happened It used to be that the +0.75% o...
by atdharris
Fri May 22, 2020 12:46 pm
Forum: Personal Investments
Topic: Chasing Individual Stocks
Replies: 45
Views: 2351

Re: Chasing Individual Stocks

I still hold individual names like the FAANGs from my old days of buying and selling, but otherwise yes, it is a second job to track and research each company. If I didn't have 200-300% gains in those stocks, I'd sell them. But I'm not complaining that they essentially appreciated during the market ...
by atdharris
Tue May 19, 2020 1:52 pm
Forum: Personal Consumer Issues
Topic: Fruit Fly Problem
Replies: 27
Views: 3187

Re: Fruit Fly Problem

I am having a huge issue with fruit flies recently. I rarely leave food out, I don't see any rotten fruit anywhere, I clean the counters and take out the trash regularly, yet I am catching 20-30 flies every few days in the various traps I have around my apartment. I changed the vinegar out Saturday ...
by atdharris
Sat May 16, 2020 2:36 pm
Forum: Personal Investments
Topic: Why hold these funds - EM vs Intl - VWO vs VXUS
Replies: 16
Views: 792

Re: Why hold these funds - EM vs Intl - VWO vs VXUS

VXUS encompasses all international while VWO is emerging markets - mainly China. I tilt towards emerging markets but so far that has not really panned out.
by atdharris
Thu May 07, 2020 11:18 am
Forum: Investing - Theory, News & General
Topic: [Are American markets likely to outperform INTL]
Replies: 237
Views: 16052

Re: [Are American markets likely to outperform INTL]

Of course, and if you started in 1995, you'd have an over 500% return in the US versus 104% for emerging markets. It's a crapshoot. I own VEA/VWO knowing it's a crapshoot, but that doesn't mean I don't question why I own them. I am also a self-doubting Emerging Markets investor, and am happy to see...
by atdharris
Thu May 07, 2020 9:27 am
Forum: Investing - Theory, News & General
Topic: [Are American markets likely to outperform INTL]
Replies: 237
Views: 16052

Re: [Are American markets likely to outperform INTL]

While convential wisdom would say that emerging markets like China, India and Brazil, it has not translated into their stock markets fastly outperforming US markets. If you compare FXI, INDA, and SPY going back to 2005, the SPY still would have given you a better return, but you would have trailed ...
by atdharris
Wed May 06, 2020 11:51 am
Forum: Investing - Theory, News & General
Topic: [Are American markets likely to outperform INTL]
Replies: 237
Views: 16052

Re: [Are American markets likely to outperform INTL]

I have trouble seeing a scenario where the rest of the world significantly outperforms US markets. There may be years they do, sure, but in the next 25-30 years, which is my time horizon, I just can't see VXUS outperforming. While convential wisdom would say that emerging markets like China, India a...
by atdharris
Wed May 06, 2020 9:16 am
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway is hammered
Replies: 60
Views: 11831

Re: Berkshire Hathaway is hammered

I still own a good amount of Berkshire, and that's ok with me, I don't consider it an individual stock per say. There has been much to do about Buffett slipping these days. I did not agree with his airline investments before the pandemic, but I am more than ok with him dumping his shares before the ...
by atdharris
Tue May 05, 2020 11:17 am
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 222
Views: 12988

Re: Is Disney the most tempting value stock?

I flirted with Disney years ago when it was also $100 a share. If I had jumped in, I'd be sitting in the same place I am today with no capital appreciation to speak of. Disney looks good on paper, and obviously, they have a lot of brand power. But they are reliant on park sales, which are going to s...
by atdharris
Thu Apr 30, 2020 4:08 pm
Forum: Investing - Theory, News & General
Topic: Is LTT appearing "nice" only because interest rates has been dropping since "forever"?
Replies: 89
Views: 4630

Re: Is LTT appearing "nice" only because interest rates has been dropping since "forever"?

I am not sure how much higher my TLT will go either. I am tempted to take profits and re-balance it into something else. I suppose LT rates could go to 0, in which case the value of TLT will keep going up, but at some point, I think it gets maxed out. Does market timing work for bonds? I don't know...
by atdharris
Thu Apr 30, 2020 2:14 pm
Forum: Investing - Theory, News & General
Topic: Is LTT appearing "nice" only because interest rates has been dropping since "forever"?
Replies: 89
Views: 4630

Re: Is LTT appearing "nice" only because interest rates has been dropping since "forever"?

I am not sure how much higher my TLT will go either. I am tempted to take profits and re-balance it into something else. I suppose LT rates could go to 0, in which case the value of TLT will keep going up, but at some point, I think it gets maxed out.
by atdharris
Thu Apr 30, 2020 1:47 pm
Forum: Investing - Theory, News & General
Topic: What explains the continued rise in equities?
Replies: 167
Views: 12661

Re: What explains the continued rise in equities?

I guess we'll see. I don't share your conviction the recent lows will be 'absolutely obliterated'. I do believe a vaccine is either in the making or will be soon - within 12 months. I'm basically a 'buy and hold' person - so, in either case (acceleration or obliteration), I'll be along for the ride...
by atdharris
Thu Apr 30, 2020 10:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5624
Views: 481368

Re: U.S. stocks continue to soar!

Finally a down day. I am still sitting on about 7% cash in my portfolio. I imagine what Amazon and Apple report tonight will dictate how we finish the week. The day is young. Plenty of time for stocks to soar before the close. All we need is a little more bad news and I bet we take off! Surprised w...
by atdharris
Thu Apr 30, 2020 9:56 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5624
Views: 481368

Re: U.S. stocks continue to soar!

Finally a down day. I am still sitting on about 7% cash in my portfolio. I imagine what Amazon and Apple report tonight will dictate how we finish the week.
by atdharris
Wed Apr 29, 2020 4:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5624
Views: 481368

Re: U.S. stocks continue to soar!

Probably back to S&P 3000 tomorrow. The FAANGs of MSFT and FB are surging after hours and will pull the indexes up with them. I'll admit, I don't hold many individual stocks, but I do own some Microsoft, FB, Apple and Amazon. I would not be surprised if we hit 3000 tomorrow. Unless something happen...
by atdharris
Wed Apr 29, 2020 3:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5624
Views: 481368

Re: U.S. stocks continue to soar!

Probably back to S&P 3000 tomorrow. The FAANGs of MSFT and FB are surging after hours and will pull the indexes up with them. I'll admit, I don't hold many individual stocks, but I do own some Microsoft, FB, Apple and Amazon. Tesla was up +4.08% and now +9.16% after hours. Over $873 a share :mrgree...
by atdharris
Wed Apr 29, 2020 3:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5624
Views: 481368

Re: U.S. stocks continue to soar!

Probably back to S&P 3000 tomorrow. The FAANGs of MSFT and FB are surging after hours and will pull the indexes up with them. I'll admit, I don't hold many individual stocks, but I do own some Microsoft, FB, Apple and Amazon.
by atdharris
Wed Apr 29, 2020 1:43 pm
Forum: Investing - Theory, News & General
Topic: Anyone wish they would have invested more during recent downturn?
Replies: 110
Views: 9274

Re: Anyone wish they would have invested more during recent downturn?

I TLH'd VOO into VTI on 3.23, but I did not put any new money to work. I'm honestly surprised by the price action. I would not be shocked if we did drop back down again, but I don't think we will see 3.23 lows again. I'm still 93% invested, so I have not missed a lot.
by atdharris
Wed Apr 29, 2020 1:09 pm
Forum: Investing - Theory, News & General
Topic: What explains the continued rise in equities?
Replies: 167
Views: 12661

Re: What explains the continued rise in equities?

Trillions of dollars in the markets from the government surely helped. I did not expect this kind of rise this fast. I keep saying I will buy on down days, but I think we've been up for maybe 6 days in a row? Except for yesterday's mild drop.
by atdharris
Wed Apr 29, 2020 1:01 pm
Forum: Investing - Theory, News & General
Topic: Which Bonds when the S&P 500 Tanks
Replies: 82
Views: 6183

Re: Which Bonds when the S&P 500 Tanks

I know there is a big risk of inflation, but LTTs have performed just as I expected during this market period. I bought into TLT in September 2019 and it's up over 20%. I'm pleased with it.
by atdharris
Wed Apr 29, 2020 9:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5624
Views: 481368

Re: U.S. stocks continue to soar!

This market is really incredible. We're sitting at 15%+ in unemployment, GDP just shrunk 4.5%, and there is no real evidence we will see anywhere near a V-shaped recovery. Yet, we are something like 15% off ATHs. If I had the balls, I'd just sink all my cash savings into the market and let it roll. ...
by atdharris
Wed Apr 29, 2020 8:26 am
Forum: Investing - Theory, News & General
Topic: S&P500 >>> Total Stock Market?
Replies: 30
Views: 2634

Re: S&P500 >>> Total Stock Market?

I don't think it matters at all. The difference in returns are too little for me to worry about it.
by atdharris
Fri Apr 24, 2020 1:46 pm
Forum: Investing - Theory, News & General
Topic: Do you expect interest rates to go up during your lifetime?
Replies: 4
Views: 546

Re: Do you expect interest rates to go up during your lifetime?

Probably not for a long time. We have not seen runaway inflation even with low rates over the last decade and more, and I am not sure what scenario would bring out ever seeing rates at 4-5% again.
by atdharris
Tue Apr 21, 2020 4:18 pm
Forum: Investing - Theory, News & General
Topic: For those concerned about International Stocks...
Replies: 78
Views: 6808

Re: For those concerned about International Stocks...

We know international did well in the early to mid 2000s, but nothing since then. I am still not sure what to do. I like emerging markets over developed, because I don't see any compelling investment opportunities in Europe, but I'm not really sure if I'll dump VEA to go all in on VWO or just stay t...
by atdharris
Fri Apr 17, 2020 1:03 pm
Forum: Investing - Theory, News & General
Topic: Head Fakes and Dead Cats .. your thoughts on the rally?
Replies: 386
Views: 32132

Re: Head Fakes and Dead Cats .. your thoughts on the rally?

This is the biggest disconnect I've seen between the markets and reality in my investing career. Maybe the shock is so severe that the markets haven't had a chance to process it fully (yes I know it dropped last month). Me too. But I guess the mantra really does ring true here - don't fight the Fed...
by atdharris
Fri Apr 17, 2020 9:20 am
Forum: Investing - Theory, News & General
Topic: Head Fakes and Dead Cats .. your thoughts on the rally?
Replies: 386
Views: 32132

Re: Head Fakes and Dead Cats .. your thoughts on the rally?

This is the biggest disconnect I've seen between the markets and reality in my investing career. Maybe the shock is so severe that the markets haven't had a chance to process it fully (yes I know it dropped last month). Me too. But I guess the mantra really does ring true here - don't fight the Fed.
by atdharris
Thu Apr 16, 2020 11:46 am
Forum: Personal Investments
Topic: Still using total bond market?
Replies: 140
Views: 16542

Re: Still using total bond market?

I wouldn't care to invest in total bond market given its exposure to corporate paper. I've held TLT for a while and, so far at least, it has served my needs well as a hedge against the market. If we see inflation ramp up, I know that will change, but I'd be more worried about deflation right now.
by atdharris
Wed Apr 15, 2020 9:52 pm
Forum: Investing - Theory, News & General
Topic: Do most Bogleheads TLH?
Replies: 55
Views: 3262

Re: Do most Bogleheads TLH?

I TLH'd through market and I did the same at the end of December 2018. It's worth doing
by atdharris
Wed Apr 15, 2020 9:49 pm
Forum: Personal Investments
Topic: 32yo with investing question
Replies: 17
Views: 1119

Re: 32yo with investing question

I'm 32 and hold about 10% in TLT in my taxable account to reduce volatility. In my Roth and 401k, I hold total bond funds. Overall, I'm looking at around 12% bonds, but I'm probably going to reduce that to 8% over the next few weeks. I'm in the camp that you probably don't need more than 8-10% in bo...
by atdharris
Wed Apr 15, 2020 9:44 pm
Forum: Personal Investments
Topic: high yield savings account
Replies: 6
Views: 829

Re: high yield savings account

I've used Amex for years, and they currently are paying 1.6%. No complaints with them, but they do not have an app.
by atdharris
Wed Apr 15, 2020 9:26 pm
Forum: Personal Investments
Topic: The zillion dollar question: when will the market bottom out?
Replies: 104
Views: 8053

Re: The zillion dollar question: when will the market bottom out?

I think we've hit the ultimate bottom, but now I think we trade sideways for a while. I see us getting back to S&P 2500 or so, but 2200 won't happen again. The Fed has ensured it.
by atdharris
Wed Apr 15, 2020 9:01 pm
Forum: Personal Investments
Topic: Marcus or Ally
Replies: 137
Views: 14328

Re: Marcus or Ally

I use Amex. They dropped rates to 1.60%, but I believe that's higher than Ally. They don't have an app, but that's not a big deal since I don't make any withdrawals. Does Marcus have an app?
by atdharris
Wed Apr 15, 2020 8:52 pm
Forum: Personal Investments
Topic: No Point Investing in Prime MM At This Time
Replies: 8
Views: 1881

Re: No Point Investing in Prime MM At This Time

I never understood why anyone would keep their cash in prime MM. I'm plenty happy at Amex, and they are still paying 1.6% APY even with rates as low as they are.
by atdharris
Wed Apr 15, 2020 8:49 pm
Forum: Personal Investments
Topic: ICSH fund drop (ISHARES ULTRA Short)
Replies: 9
Views: 783

Re: ICSH fund drop (ISHARES ULTRA Short)

I always keep my cash in a HYSA. if not, just buy BIL, it's 1-3 month treasury bonds. ICSH, I believe, includes corporate paper. Yields are poor everywhere. I wouldn't yield chase.
by atdharris
Tue Apr 14, 2020 7:48 pm
Forum: Personal Investments
Topic: Dumping small value?
Replies: 107
Views: 8581

Re: Dumping small value?

I decided before the sell-off to dump my SCV exposure and simply buy the S&P 500, then dumped that for TLH purposes and bought VTI. I don't plan to buy a small cap fund again outside of market weight. It doesn't seem worth it. I'm pleased with VTI
by atdharris
Tue Apr 14, 2020 10:53 am
Forum: Investing - Theory, News & General
Topic: What in the world is propping up this market?
Replies: 206
Views: 20748

Re: What in the world is propping up this market?

The government injected $7 trillion into the economy in various ways, and given the level of interest rates, there are few others places to invest your money outside of equities. Why would you want to own a bond paying less than 1%?
by atdharris
Tue Apr 14, 2020 9:36 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5624
Views: 481368

Re: U.S. stocks continue to soar!

the disconnect in the market today really just magnifies the inequality we have in our society today. I'm amazed to see the market rocketing back to 2900 given we are in for a severe recession. I understand the market is forward looking, but this is still strange to see. I have no idea where we go f...
by atdharris
Mon Apr 13, 2020 2:44 pm
Forum: Personal Investments
Topic: What single individual stock would you buy?
Replies: 133
Views: 9953

Re: What single individual stock would you buy?

I bought a little Amazon at $1675 a few weeks ago. It turns out, that was its bottom in this current bear market. I got lucky.
by atdharris
Mon Apr 13, 2020 9:13 am
Forum: Investing - Theory, News & General
Topic: What am I missing: Savings Accounts paying substantially more than Treasuries right now
Replies: 15
Views: 2237

Re: What am I missing: Savings Accounts paying substantially more than Treasuries right now

I think they have usually paid more than treasuries, but I'm surprised I'm still getting 1.6% in my HYSA. Before you say they will eventually drop it, the bank just did drop it from 1.7 to 1.6%. I remember years ago when rates were close to 0, Ally was paying under 1%.
by atdharris
Fri Apr 10, 2020 1:03 pm
Forum: Investing - Theory, News & General
Topic: John Rekenthaler, "Whatever Happened to Emerging-Markets Stock Funds?"
Replies: 64
Views: 7152

Re: John Rekenthaler, "Whatever Happened to Emerging-Markets Stock Funds?"

China has grown at a frightening pace in the past two decades. However, unlike most other countries, due to the practices China does with its stock market, the Chinese stock market has not accurately (if at all) portrayed that rise. If emerging countries like China were more transparent (and had a ...
by atdharris
Fri Apr 10, 2020 12:17 pm
Forum: Personal Investments
Topic: TLH and rethinking international
Replies: 15
Views: 764

Re: TLH and rethinking international

I have about 15% of my portfolio in VEA/VWO but there are days when I wish I didn't, but I stick with it because that's what I decided I wanted to own. Sometimes I consider dumping VEA and going all-in on VWO because I truly see no compelling investment opportunities in Europe/Canada and would rathe...
by atdharris
Fri Apr 10, 2020 12:13 pm
Forum: Investing - Theory, News & General
Topic: John Rekenthaler, "Whatever Happened to Emerging-Markets Stock Funds?"
Replies: 64
Views: 7152

Re: John Rekenthaler, "Whatever Happened to Emerging-Markets Stock Funds?"

I tilt emerging over developed international because I see no compelling reason to invest heavily in places like Europe. We've been hearing about how "attractive" international have been for years now, but they have not caught up to US stocks. Not saying that cannot change, but I can't imagine holdi...
by atdharris
Thu Apr 09, 2020 10:52 am
Forum: Investing - Theory, News & General
Topic: Head Fakes and Dead Cats .. your thoughts on the rally?
Replies: 386
Views: 32132

Re: Head Fakes and Dead Cats .. your thoughts on the rally?

I don't understand the rally, but I suppose equities are the only game in town if you want to make money. Bond yields are at historic lows. I put 2% of the 9% cash I had in my taxable account into VTI today and will keep buying should we have any more big down days. Good news is, it does appear that...
by atdharris
Thu Apr 09, 2020 9:35 am
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 514
Views: 50156

Re: Who's buying today? where's all the "dry powder" folks at? :)

I finally put about 2% more into the market yesterday and have around 8% cash left in my account. I continue to buy in my 401k as planned. I think we're aiming for a May re-opening of the US economy
by atdharris
Wed Apr 08, 2020 2:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5624
Views: 481368

Re: U.S. stocks continue to soar!

Jim Cramer is saying he doesn't understand why the market is moving up, darn we have bottomed :oops: To be fair, neither do I, especially after the move we saw on Monday. I had some extra cash I want to deploy, but I was thinking things would drop after the huge run. The market seems to be pricing ...
by atdharris
Wed Apr 08, 2020 11:37 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5624
Views: 481368

Re: U.S. stocks continue to soar!

Jim Cramer is saying he doesn't understand why the market is moving up, darn we have bottomed :oops: To be fair, neither do I, especially after the move we saw on Monday. I had some extra cash I want to deploy, but I was thinking things would drop after the huge run. The market seems to be pricing ...
by atdharris
Wed Apr 08, 2020 9:37 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5624
Views: 481368

Re: U.S. stocks continue to soar!

Really surprising to see this price action. Perhaps earnings falling by a third truly is priced into this market.
by atdharris
Wed Apr 08, 2020 9:25 am
Forum: Investing - Theory, News & General
Topic: Post-Covid19 Reallocation
Replies: 10
Views: 1190

Re: Post-Covid19 Reallocation

I am surprised by what has transpired with the market. I TLH'd all the way down and did my last round on March 23, but did not re-balance out of TLT into equities. At this point, I am not sure what to do. I understand the market is somewhat pricing in bad economic numbers, but it's really surprising...
by atdharris
Tue Apr 07, 2020 1:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5624
Views: 481368

Re: U.S. stocks continue to soar!

Life will go on. I have faith in our scientists that we will adapt and move on from this period of our lives. I am not convinced the world will remain shut down more than another month. Perhaps we won't get back to how live was in January immediately, but I think we can get back to restaurants and b...
by atdharris
Tue Apr 07, 2020 12:03 pm
Forum: Investing - Theory, News & General
Topic: SPY vs VOO Dividend Yield
Replies: 14
Views: 726

Re: SPY vs VOO Dividend Yield

I am only seeing 2.17% on my brokers website for VOO. 2.19% for SPY