Search found 105 matches

by atdharris
Fri Jun 14, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 4441

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: 4441

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: 7281

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: 3042

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: 727

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: 37
Views: 2442

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: 2595

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: 31
Views: 2062

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: 7281

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: 7281

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: 2195

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: 3230

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: 449

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: 13917

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: 449

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: 367

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: 2594

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: 1525

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: 10674

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.
by atdharris
Tue May 14, 2019 1:26 pm
Forum: Personal Investments
Topic: Best interest bearing savings account?
Replies: 28
Views: 3312

Re: Best interest bearing savings account?

I use Amex, but I wish they would update their savings interface and let you access it through the app. I'm just too lazy to transfer all the money to Ally. I do like Amex's customer service.
by atdharris
Tue May 14, 2019 11:12 am
Forum: Investing - Theory, News & General
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 210
Views: 10674

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

Between 15-20%. I just can't get behind having 40% in ex-US markets
by atdharris
Mon May 06, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 77
Views: 5646

Re: Anybody try the Blue Apron or the like?

I use HelloFresh occasionally, but as others have said, sometimes I feel like a slave to the box, and end up taking breaks. It's tough to have them come every week because if something comes up and you have little time to cook, then you are faced with wasting the meal
by atdharris
Mon May 06, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3851
Views: 709020

Re: What's Your Credit Card Rewards Strategy?

It is possible to beat cash back with points, but it takes a lot of research and work, and sometimes I just don't want to put the effort into it. Getting minimum of 2.7 points per dollar is not a bad earnings rate. You could do much worse. I agree that 2.7% back is pretty good. But If you're doing ...
by atdharris
Fri May 03, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3851
Views: 709020

Re: What's Your Credit Card Rewards Strategy?

Ditto, that is exactly what I am doing with BoA cards with PR PH level. Sweet cash backs....but my Chase CC friends say they always beat BoA cash rewards with Chase UR points.... :happy I use mainly the BofA combo of the Cash Rewards for groceries/Costco/online shopping at 3.5% and 5.25% back along...
by atdharris
Thu May 02, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3851
Views: 709020

Re: What's Your Credit Card Rewards Strategy?

I use mainly the BofA combo of the Cash Rewards for groceries/Costco/online shopping at 3.5% and 5.25% back along with the Premium Rewards card for everything else/dining/travel at 2.7% and 3.5% back. I used to use my Amex exclusively, but I have about 550,000 points, which is enough for now. I'm ta...
by atdharris
Thu May 02, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Amex Platinum Annual Fee
Replies: 20
Views: 2077

Re: Amex Platinum Annual Fee

They charge you on the first statement, and it is not negotiable. I get charged every year on my one year anniversary, and when I opened the card many years ago, they charged me when my first statement cut.
by atdharris
Wed May 01, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Car insurance shopping - worth leaving USAA?
Replies: 36
Views: 2135

Re: Car insurance shopping - worth leaving USAA?

I currently pay $188/month for my Mercedes C300 2015 with a $1000 deductible and 100/300/100 coverage or $1,131 every 6 months. I'm single and 31 years old. My last traffic ticket was in March of 2016 and my last accident was in May of 2013. I have a credit score of 803 and hold a graduate degree. ...
by atdharris
Wed May 01, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Car insurance shopping - worth leaving USAA?
Replies: 36
Views: 2135

Re: Car insurance shopping - worth leaving USAA?

Good to hear that Geico provides decent service. At this point, I am having a hard time justifying paying $1000 a year more for USAA. From the quote I received, I do have the same coverage and elections that I have on USAA currently. The quote still came out to $598 for 6 months compared to $1131 fo...
by atdharris
Tue Apr 30, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Car insurance shopping - worth leaving USAA?
Replies: 36
Views: 2135

Re: Car insurance shopping - worth leaving USAA?

I have. They quoted me $145/month. Geico quoted me $103/month. I currently pay $188.50/month at USAA. Don't forget that Amica also has some sort of savings account feature such that you receive a credit against next year's premium. Love USAA, but what they are charging you seems kinda pricey. I pay...
by atdharris
Tue Apr 30, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: Car insurance shopping - worth leaving USAA?
Replies: 36
Views: 2135

Re: Car insurance shopping - worth leaving USAA?

I've been with USAA my entire adult life so I don't really know what other companies are like. BUT. About 10 days ago we discovered that our laundry room sink had likely been leaking for 6+ months and it's a disaster. I emailed the estimate and some photos to USAA via their online portal and they a...
by atdharris
Tue Apr 30, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Car insurance shopping - worth leaving USAA?
Replies: 36
Views: 2135

Re: Car insurance shopping - worth leaving USAA?

inverter wrote:
Tue Apr 30, 2019 9:51 am
Have you priced out Amica? Don't have specific experience, but their reputation is generally that they are on par with USAA.
I have. They quoted me $145/month. Geico quoted me $103/month. I currently pay $188.50/month at USAA
by atdharris
Tue Apr 30, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Car insurance shopping - worth leaving USAA?
Replies: 36
Views: 2135

Re: Car insurance shopping - worth leaving USAA?

No, not worth staying. I was a long time USAA customer and switched because their prices were not competitive. I received good service from other providers including Geico. I ended up returning to USAA years later because their homeowners/auto/umbrella bundle pricing was competitive. Right. My fami...
by atdharris
Tue Apr 30, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Car insurance shopping - worth leaving USAA?
Replies: 36
Views: 2135

Car insurance shopping - worth leaving USAA?

I've been with USAA for a while now for both car and renters insurance. Over the last few years, I have seen my premium jump 20-30% with no negative marks on my record. I currently pay $188/month for my Mercedes C300 2015 with a $1000 deductible and 100/300/100 coverage or $1,131 every 6 months. I'm...
by atdharris
Thu Apr 25, 2019 9:38 am
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 15143

Re: Dump international?

In the recent past the US managed to cause two massive stock market crashes in less than a decade. Just saying. Right. Which makes you wonder - in what scenario would the US market crash while international markets soared? Especially given how interconnected the global economy is compared to decade...
by atdharris
Thu Apr 25, 2019 8:47 am
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 15143

Re: Dump international?

You hold international stocks for diversification, but I would never hold 40% or more in overseas companies. I know I have a home country bias, but America is still the world's strongest economy with the most innovative and successful businesses that have a global reach. No other country can compare...
by atdharris
Mon Apr 22, 2019 3:02 pm
Forum: Investing - Theory, News & General
Topic: Small Caps vs Large Caps divergence
Replies: 23
Views: 3165

Re: Small Caps vs Large Caps divergence

I believe large caps tend to do better at the end of a bull market cycle, and it could just be the market being irrational. Small caps did well in 2017 and worse last year, and they have not caught up with the 2019 rally. At some point, I'm sure things will revert to the mean, as they always do.
by atdharris
Mon Apr 15, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Buying nightguards (teeth grinding)
Replies: 65
Views: 7472

Re: Buying nightguards (teeth grinding)

I’ve used Plackers Grind No More from Amazon for the last 2 years with great results...My dentist has no objections... https://www.amazon.com/Plackers-Grind-Night-Guard-Grinding/dp/B004TD23W2/ref=sr_1_4?keywords=plackers+grind+no+more&qid=1555298832&s=gateway&sr=8-4 My dentist recommended the same ...
by atdharris
Fri Apr 12, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: YouTube TV is increasing their price - will you cancel it?
Replies: 63
Views: 4805

Re: YouTube TV is increasing their price - will you cancel it?

I will keep it because there are no real viable alternatives. If I switch to cable, it will be more expensive and more restrictive. Hulu TV is cheaper, but doesn't offer the channels I want, and its interface is awful. DirectTV Now is not an option in my view. I'm happy to finally get FoodNetwork.
by atdharris
Fri Apr 12, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8358

Re: Are Airport Lounges Worth the Money?

It depends on how often you travel, to be honest. If you fly 4-5 times a year at minimum, it can be worth it. For example, I have the Amex Platinum card. The lounge access alone would be more expensive than the annual fee, and they also give me $15/month to use on Uber for rides or food, $200 I can ...
by atdharris
Tue Apr 09, 2019 8:27 am
Forum: Personal Investments
Topic: International under-performance
Replies: 204
Views: 12980

Re: International under-performance

One argument that can be made by those who advocate only US stocks is that the global economy is much more interconnected in 2019 than it was in the 1970s. I believe, and I could be wrong, 40% of S&P 500 companies earnings are derived from overseas markets. I highly doubt that was the case in 1975. ...
by atdharris
Mon Apr 08, 2019 1:09 pm
Forum: Personal Investments
Topic: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?
Replies: 92
Views: 6498

Re: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?

I own shares of many large, blue chip companies in addition to funds and etfs. I suppose those are risky plays in that they could take off or drop relative to the market.
by atdharris
Wed Apr 03, 2019 11:23 am
Forum: Personal Investments
Topic: Add muni bonds to taxable account?
Replies: 3
Views: 368

Re: Add muni bonds to taxable account?

You might get better advice if you post in the usual format and tell us what those funds are (most here haven't memorized ticker symbols). Your tax rate is also relevant. In general, though, you should hold your bonds in pre-tax. Putting bonds in taxable to save $80 almost certainly makes no sense....
by atdharris
Wed Apr 03, 2019 11:03 am
Forum: Personal Investments
Topic: Add muni bonds to taxable account?
Replies: 3
Views: 368

Add muni bonds to taxable account?

I'm still fairly new to this forum and am learning a lot. Right now, I have 3 accounts which are all set up at a near 90/10 split. I'm 30 years old, and this asset allocation fits my risk tolerance and goals. I realize that I should have all my bonds in my tax deferred accounts, but at the moment, s...
by atdharris
Tue Apr 02, 2019 2:11 pm
Forum: Personal Investments
Topic: BofA / Merrill Edge is [Tempting me to] Switch from Vanguard
Replies: 49
Views: 4546

Re: BofA / Merrill Edge is Making Me Switch from Vanguard

They don't charge for sales of ETFs, stocks and most mutual funds. Unfortunately, Vangaurd mutual funds carry a $20 transaction fee, but you can get around it by doing automatic investments into a fund you already own. I was lucky enough to buy all the admiral funds I wanted when they were fee free ...
by atdharris
Tue Apr 02, 2019 11:46 am
Forum: Personal Investments
Topic: Vanguard Money Market equivalent in Merrill Edge?
Replies: 11
Views: 686

Re: Vanguard Money Market equivalent in Merrill Edge?

I just don't store a lot of cash. If I do, I buy something like BIL/SHV which pays about 1.94% currently. They really don't have a viable cash sweet option unless you have $100k sitting in cash, which I certainly don't have.
by atdharris
Tue Apr 02, 2019 9:54 am
Forum: Personal Investments
Topic: I bought a stock for the first time.
Replies: 66
Views: 4059

Re: I bought a stock for the first time.

I own individual companies, so I am not a pure boglehead by any means, but man, LYFT is a huge gamble. Good luck, it could pay off, but I hope you didn't put too much in it!
by atdharris
Wed Mar 27, 2019 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 480
Views: 118343

Re: Bank of America/Merrill Edge - Preferred Rewards

As others said, you do need a checking account, but I believe all fees and minimums are waived for Platinum Honors clients. I have a savings account there that I don't use, but they never charge me a fee on it.
by atdharris
Tue Mar 26, 2019 11:00 am
Forum: Personal Investments
Topic: Yield Curve Inversion and 401k
Replies: 3
Views: 408

Re: Yield Curve Inversion and 401k

This seems to be a hot topic to debate around here, so you will likely get different answers from different people. Vanguard and others suggest you hold 40% in international stocks. Others even want you to go as high as 45% to weight it as a world fund would weigh it. As for me, I don't like more th...
by atdharris
Tue Mar 26, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: What is the best gas credit cards hands down?
Replies: 65
Views: 3506

Re: What is the best gas credit cards hands down?

I used to use the BofA Cash Rewards until they added online shopping for the 5.25% back category, so now I am at a loss for a gas card. The USAA Amex sounds nice, but I get my gas usually at Costco and they only take Visa. I'm using Freedom this quarter, but after this month, that's gone too.. mayb...