Search found 1171 matches

by WhiteMaxima
Wed Jul 18, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 54
Views: 6604

Re: Costco Membership

I bought xxx shares of COST to hedge against Costco membership fee. I own both AAPL and Apple product.
by WhiteMaxima
Wed Jul 18, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest 100000?
Replies: 36
Views: 2491

Re: When to invest 100000?

10 years from now, when you look back and you will see anytime is good time to invest. Of course, you can DCA (spread invest in different time) to even out the market noise. Using balanced (1/3 divide among US/Int'l/Bond) approach is also good way to filter out market noise.
by WhiteMaxima
Wed Jul 18, 2018 10:35 am
Forum: Investing - Help with Personal Investments
Topic: When to invest 100000?
Replies: 36
Views: 2491

Re: When to invest 100000?

Almost everyone will agree with you that there is a 100% chance of a significant decline in the markets in the future. The real question is what to do, knowing that it will happen but not when. Yes. there is 100% chance of significant draw down in the future. However, there is 100% chance a signifi...
by WhiteMaxima
Tue Jul 17, 2018 5:24 pm
Forum: Investing - Theory, News & General
Topic: Is Tax-Managed Small Cap (VTMSX) an underrated fund?
Replies: 54
Views: 5705

Re: Is Tax-Managed Small Cap (VTMSX) an underrated fund?

I own VTMSX in my Roth to tilt from large cap.
by WhiteMaxima
Tue Jul 17, 2018 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring money from Canada - Wait for exchange rate to improve?
Replies: 11
Views: 381

Re: Transferring money from Canada - Wait for exchange rate to improve?

The exchange rate can get worse. Before Canada part of NAFTA, 1 CAD=0.66 USD.
by WhiteMaxima
Tue Jul 17, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest 100000?
Replies: 36
Views: 2491

Re: When to invest 100000?

best time is Now.
by WhiteMaxima
Mon Jul 16, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell our business?
Replies: 61
Views: 4825

Re: Should we sell our business?

All business has cycle. What if another recession let's say 2019. Business growth slows to negative and profit plummet to loss.
by WhiteMaxima
Mon Jul 16, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?
Replies: 35
Views: 2392

Re: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?

I already max out 18k for pre-tax. Target $55000 IRA limit. I learned my lesson by contribute too much % last year, reached $55000 a month earlier, missed one month company match. So this year my target is $52000 to get the full match.
by WhiteMaxima
Fri Jul 13, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel
Replies: 23
Views: 1730

Re: Kitchen Remodel

My thinking is to cook more healthy and tasty food at home instead of going out. Spend more to save.
by WhiteMaxima
Fri Jul 13, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel
Replies: 23
Views: 1730

Kitchen Remodel

DW and I like to cook at home. Decide to remodel the kitchen. We will replace the electric range to nature gas range (Wolf Viking or La Couner), add powerful hood, replace dishwasher to Bosch. Add a subzero fridge. Will need to change the floor material and tile wall. Any recommendations? Thanks.
by WhiteMaxima
Fri Jul 13, 2018 11:13 am
Forum: Investing - Help with Personal Investments
Topic: What to do with extra $2500 a month?????
Replies: 36
Views: 3111

Re: What to do with extra $2500 a month?????

divided evenly among: paying off the boat, laddered CD as emergency fund, Roth for both of you. So 1/3 1/3 1/3.
by WhiteMaxima
Fri Jul 13, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Buying Used Honda/Toyota -- How old is too old?
Replies: 16
Views: 1166

Re: Buying Used Honda/Toyota -- How old is too old?

if you are mechanic handy, nothing is too old for Toyota. Honda I don't know. But their resale value is higher than other brand. I would just buy new.
by WhiteMaxima
Thu Jul 12, 2018 6:46 pm
Forum: Investing - Theory, News & General
Topic: Home ownership vs investing -- condos vs renting, etc
Replies: 108
Views: 5251

Re: Home ownership vs investing -- condos vs renting, etc

A home is both consumption item and investment. It could appreciate or depreciate in value in short term, will keep up with inflation in longer term. A house could be bought with leveraged loan (low interest). So a 5X leverage would enlarge your gain or loss 5X. House ownership has a lot cost (repai...
by WhiteMaxima
Thu Jul 12, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with "Extra" money:
Replies: 8
Views: 860

Re: What to do with "Extra" money:

Spend it on yourself 1st. for extra: 529 for grand kids, charitable foundation name after you, etc.
by WhiteMaxima
Thu Jul 12, 2018 6:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 68
Views: 15224

Re: Seattle Area Chapter Meetings - Master Thread

Seattle traffic and parking cost is not BH.
by WhiteMaxima
Thu Jul 12, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Cash out 401K
Replies: 15
Views: 1840

Re: Cash out 401K

No need to cash out 401k. You can do Roth conversion up to you tax target. if you think the current market value is too rich. Switch some % into fixed income. Emerging market and international is not as over valued as domestic, you might add more position. Don't do 401k cash out, it will cost you a ...
by WhiteMaxima
Wed Jul 11, 2018 5:23 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1934
Views: 350095

Re: What are you up YTD? [Year To Date]

+5.0% (80% 80/20 US & Intl, 20% Stable Value Fund, 0% Bond)
by WhiteMaxima
Wed Jul 11, 2018 5:15 pm
Forum: Investing - Theory, News & General
Topic: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters
Replies: 108
Views: 8621

Re: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters

AAA rated bond is relatively safe. So thought a lot of people in 2008/2009 with their CDOs. A lot were AAA rated by ratings agencies who wernt looking too hard under the hood. Mortgage backed security. If you buy US backed 10 year treasure, you would be safe unless US default its treasure bond.
by WhiteMaxima
Wed Jul 11, 2018 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5812

Re: Any Dry Powder Strategies?

Just invest in vanguard balanced admiral fund (30/30/40) for life and forget about gun power.
by WhiteMaxima
Wed Jul 11, 2018 2:18 pm
Forum: Investing - Theory, News & General
Topic: Dow 40000 prediction for 2025
Replies: 44
Views: 3880

Re: Dow 40000 prediction for 2025

It might. But I care less. Just keep invested.
by WhiteMaxima
Wed Jul 11, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?
Replies: 62
Views: 4891

Re: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?

Madison, WI, close to Chicago and less snow than Minn. Good beer and football culture.
by WhiteMaxima
Wed Jul 11, 2018 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 69
Views: 26344

Re: Fidelity charges to close accounts!

You can just leave $0.01 there and avoid the closing fees.
by WhiteMaxima
Tue Jul 10, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Travel credit cards
Replies: 18
Views: 1465

Re: Travel credit cards

Chase Reserve. $150 annual fee after $300 back. Plus lounge pass, primary rental auto insurance, global pass. Effective 4.5% reward on traveling, eat out.
by WhiteMaxima
Tue Jul 03, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: International Vacation Ideas
Replies: 47
Views: 3149

Re: International Vacation Ideas

Praha, Czech Republic
Budapest, Hungary
Vienna, Austria
Venice, Italy
Barcelona, Spain
Istanbul, Turkey
Athena, Greece.

You can buy a Euro Rail Pass and visit these countries, Kids travel free.
by WhiteMaxima
Tue Jul 03, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 94
Views: 6116

Re: Do We need health insurance??

Money, healthy life, pick one.
by WhiteMaxima
Mon Jul 02, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4671

Re: Retiring in Michigan (Ann Arbor)

AA city property tax is high because university tax exemption. You can find a decent housing in Saline, Pittsfeld township pay less. Still MI is a high property tax state, winter heating bill and summer electric bill is high. Generally, AA housing is way affordable than both coast. Economy is still ...
by WhiteMaxima
Mon Jul 02, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: 28 w/heavy small cap tilt?
Replies: 41
Views: 2971

Re: 28 w/heavy small cap tilt?

Go for it. I like small cap. Maybe small blend if not small value.
by WhiteMaxima
Mon Jul 02, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: International Vacation Ideas
Replies: 47
Views: 3149

Re: International Vacation Ideas

For Europe
Italy + Spain+Portugal
Prague, Budapest and Vienna

Asia:
China, Japan, plus Thailand

You would need at least two weeks for each vacation.
by WhiteMaxima
Mon Jul 02, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Need Your Feedback on 100% VTSAX
Replies: 38
Views: 3212

Re: Need Your Feedback on 100% VTSAX

If you would like 100% in equity. Why not add some % int'l? I would do 70/30 or 80/20/. Also you need to know VTSAX is heavy in large cap. I like small and mid cap. So I would tile to ward to small/mid by adding Vanguard extended marlet fund.
by WhiteMaxima
Mon Jul 02, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12881

Re: What are your property taxes?

Move away from high property tax area.
by WhiteMaxima
Mon Jul 02, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4671

Re: Retiring in Michigan (Ann Arbor)

I spent chunk of my life time in A^2. I like the MidWest town feeling of AA. DTW is near, so you can fly out anywhere warmer during winter. For local traveling, Toronto, Chicago is 3 hr away. UP is beautiful in the summer and fall. Plenty of parks. Actually I like the white winter if Michigan. Summe...
by WhiteMaxima
Fri Jun 29, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA - Treasuries vs Int'l Equities
Replies: 19
Views: 1104

Re: Roth IRA - Treasuries vs Int'l Equities

US only. Roth doesn't qualify foreign tax credit. Roth will be your last account to take out. I will load with 100% US growth and dividend fund.
by WhiteMaxima
Fri Jun 29, 2018 12:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 424
Views: 41617

Re: Pulled the trigger and paid off the house today

risk free 4% return or risky 7% investment?
by WhiteMaxima
Fri Jun 29, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Loan to Max Out 401(k)
Replies: 28
Views: 1614

Re: Loan to Max Out 401(k)

Don't borrow to invest. Can you cutting your expense and use the saving to invest?
by WhiteMaxima
Fri Jun 29, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Cheapest way to buy a phone in 2018?
Replies: 73
Views: 7010

Re: Cheapest way to buy a phone in 2018?

Join T-Mobile and get buy one get one free deal.
by WhiteMaxima
Fri Jun 29, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Anyone use T-mobile cell network?
Replies: 32
Views: 1798

Re: Anyone use T-mobile cell network?

I used T-Mobile for 4 month. While traveling in Europe, It has limited free 2G and 3G data which is essential for maps and message. In Canada and Mexico, it has free call and unlimited data. The problem is it has no signal inside thick wall buildings. So I switched to Sprint which has very good sign...
by WhiteMaxima
Fri Jun 29, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: [Do you subscribe to Consumer Reports?]
Replies: 31
Views: 2824

Re: Are many of you??????

Public library. Share economy.
by WhiteMaxima
Wed Jun 27, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets in Bear Territory
Replies: 52
Views: 7144

Re: Emerging Markets in Bear Territory

Fed raise interest. Dollars flow out of EM. But I think it is a good time to add positions in EM. Maybe not once, DCA it.
by WhiteMaxima
Wed Jun 27, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: those with whole home generators: who installed it?
Replies: 28
Views: 1841

Re: those with whole home generators: who installed it?

If you have a hybrid vehicle like Toyota prius, you already have a power plant at home.
by WhiteMaxima
Wed Jun 27, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: Keeping up with inflation
Replies: 24
Views: 1855

Re: Keeping up with inflation

Stock+House
by WhiteMaxima
Tue Jun 26, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: those with whole home generators: who installed it?
Replies: 28
Views: 1841

Re: those with whole home generators: who installed it?

what the possibility of complete black out? 0.001%. Now need of whole house generator. A portable inverter Honda generator, a couple of south facing solar panels should be enough.
by WhiteMaxima
Tue Jun 26, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: AT&T streaming TV service WatchTV - $15 per month
Replies: 6
Views: 638

Re: AT&T streaming TV service WatchTV - $15 per month

Rabbit ear antenna for over the air signal = Free. Youtue + Netflix = $12.99 for rest of every thing. rabbit ears.....aren't always that great. Ever since everything went 'digital' I cannot get anything in over the air consistently despite multiple configs. I know I'm not alone in that endeavor. Ne...