Search found 206 matches

by WhiteMaxima
Fri Jun 23, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on FHLC [Fidelity MSCI Health Care Index]
Replies: 5
Views: 423

Re: Thoughts on FHLC [Fidelity MSCI Health Care Index]

I would tilt toward healthcare. We are witness a revolution in health industry. Growing middle class in developing world, aging population, DNA mapping and target treatment. Estimated medical spending after retirement for a typical retiree is 1/4 million. I would invest that much into a low cost hea...
by WhiteMaxima
Fri Jun 23, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: I need a strategy to address debt and savings
Replies: 12
Views: 751

Re: I need a strategy to address debt and savings

Room share, car share, excessive pay to debt. You will be fine.
by WhiteMaxima
Fri Jun 23, 2017 2:42 pm
Forum: Investing - Theory, News & General
Topic: The Dow’s tumultuous 120-year history, in one chart
Replies: 6
Views: 1503

Re: The Dow’s tumultuous 120-year history, in one chart

people don't live that 120 years long. investment span 50 (let's say from 20 to 70). What if Dow stay 20 year flat? Insurance company can stay 100 years long. They can use future gain to pay current insurer.
by WhiteMaxima
Fri Jun 23, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 40
Views: 3911

Re: Costco vs. Amazon - Thoughts of Prime Members?

grocery shopping Amazon online and deliver to door or paying expensive food at wholefood? they are not vitamin pill and pet food. My favorite grocery is from farmer's market and local meat shop. Not even Kroger and Costco.
by WhiteMaxima
Fri Jun 23, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 65
Views: 3623

Re: Bogleheads: Please help me pick a new car

A Yota Camry LE I4 CVT, super easy drive and reliable. No need of AWD. Get self a set of snow tire.Mount them on a set of steel rim. 2017 model on sale now for $18000. 2018 model year is coming soon.
by WhiteMaxima
Fri Jun 23, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 65
Views: 3623

Re: Bogleheads: Please help me pick a new car

A Lexus is basically a Toyota. Quiet, smooth and very reliable. Toyota driving is very boring.
by WhiteMaxima
Fri Jun 23, 2017 11:26 am
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 40
Views: 3911

Re: Costco vs. Amazon - Thoughts of Prime Members?

Amazon, please deliver 20 Gal of gas to my house because I hate to wait at Costco gas line.
by WhiteMaxima
Fri Jun 23, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 65
Views: 3623

Re: Bogleheads: Please help me pick a new car

Audi A4 2.0L Tsi Quattto. I have an A5 which is a coupe version of A4. I like the AWD handling, gas economy, and style of typical Audi.
by WhiteMaxima
Thu Jun 22, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Did I just get seriously ripped off?? (Car lease)
Replies: 54
Views: 4464

Re: Did I just get seriously ripped off?? (Car lease)

9 Year old BMW for 5K and 45K for another BMW. You best bet would be a certified 2 or 3 year old BMW (knock 30% off list) with extended warranty. Now it's already too late since you signed contract.
by WhiteMaxima
Wed Jun 21, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy an $800k house?
Replies: 88
Views: 5599

Re: Should I buy an $800k house?

No guarantee that investment in stock market will return better than housing market in the future. In addition, a house is a shelter for your family. The stock market is over priced. So if purchase a house not prevent you saving for your retirement, just buy one and stick with it. Your house is your...
by WhiteMaxima
Wed Jun 21, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Diversification Advice
Replies: 9
Views: 644

Re: Diversification Advice

I would hold off. Wait till your retirement when your AGI below 15%. Invest in Total US and intl stock now. Also doing some 529. Healthcare fund has very bright future. It will grow faster than GDP growth.
by WhiteMaxima
Tue Jun 20, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy an $800k house?
Replies: 88
Views: 5599

Re: Should I buy an $800k house?

Bothel everything is good except the 405 traffic to the south. School is good though. $800k will get you a decent SFH there. Has potential to grow (Seattle Bellevue has no land to build on). Did you look at woodenvill? Very nice community though it is Everett school district. If I had more money, I ...
by WhiteMaxima
Tue Jun 20, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy an $800k house?
Replies: 88
Views: 5599

Re: Should I buy an $800k house?

Even at 800k budget, it is very hard to get close central Seattle or Bellevue. Further out of central, the traffic would be a big problem (because many are price out of central to live further out).
by WhiteMaxima
Tue Jun 20, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: WWYD? Cash in Investment to Pay Off Mortgage Question
Replies: 44
Views: 1572

Re: WWYD? Cash in Investment to Pay Off Mortgage Question

Open a home equity line of credit. Pay down you mortgage. Use HELC as cash just in case you need it.
by WhiteMaxima
Tue Jun 20, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 4894

Re: Alternatives to Amazon

Costco is my favorite. Trader Joe's for grocery. Amazon for CDs and books.
by WhiteMaxima
Tue Jun 20, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 101
Views: 5883

Re: is luxury car a smarter purchase?

I would buy a used luxury car with extended warranty. Or just buy a new yota or honda.
by WhiteMaxima
Tue Jun 20, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy an $800k house?
Replies: 88
Views: 5599

Re: Should I buy an $800k house?

New constructed house will most likely sit on a small lot. If you plan to have kids, better have a back yard. A newly constructed house also has fresh chemicals which is not good for new born (heard of poison floor). A five year old house has enough time letting these chemicals gone and also defects...
by WhiteMaxima
Mon Jun 19, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 139
Views: 6546

Re: Any BHs Had Experience With the Honda Fit?

Too small. Not safe during crash with more heavy vehicle.
by WhiteMaxima
Mon Jun 19, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 3625

Re: Turbochargers

As CAFE standard requires, we will see more turbo charged vehicle on the road. New turbo engine is much more durable than old generations. The engine is lighter and produce more horse power and torque per cubic volume. Combined with direct injection, turbo engine also sounds more like diesel engine....
by WhiteMaxima
Mon Jun 19, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: BMW X5 2017 - Seeking advice
Replies: 40
Views: 3021

Re: BMW X5 2017 - Seeking advice

You should buy it to enjoy the ultimate driving machine. Buy with an extended warranty if BMW offers.
by WhiteMaxima
Fri Jun 16, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: house or condo for a frequent traveling family?
Replies: 17
Views: 1655

Re: house or condo for a frequent traveling family?

If you are not living in a place for 6 to 12 month, then don't buy. That money is going to be wasted. You should rent for a 6 month or 12 month term. Put moot your personal belong in a storage.
by WhiteMaxima
Thu Jun 15, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 3625

Re: Turbochargers

2.0L Turbo charged DI engine paied with 6MT is super. More power and torque than previous 2.4L. And it's lighter. Honda might use 1.5L for their entry level LX model, paired with 6MT or CVT. 2.0L for their EX and Sport trim. Paied with 6MT or new 10 speed automatic. I would like to see their body st...
by WhiteMaxima
Thu Jun 15, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Utah 529 or Vanguard 529
Replies: 6
Views: 290

Re: Utah 529 or Vanguard 529

Utah uses Vanguard. Vanguard uses Nevada which sells vanguard fund. Utah has lower fee. But Nevada Vanguard could be counter as Vanguard to qualify you to their elite program for lower fees and other services. I do both. Personally, I like Utah program better.
by WhiteMaxima
Thu Jun 15, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Letting go of my Sectors
Replies: 10
Views: 768

Re: Letting go of my Sectors

The sector performed well before might continue perform well in the future. Nobody has clear ball.
by WhiteMaxima
Thu Jun 15, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: internet cost saving strategy
Replies: 38
Views: 2824

Re: internet cost saving strategy

Just $39.99 for a 50MPS monthly ISP. How much can you save? Can't be zero.
by WhiteMaxima
Wed Jun 14, 2017 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: starting fresh
Replies: 15
Views: 1720

Re: starting fresh

You are good candidate for Roth conversion. Wait SSI until 70.5. You can do Vanguard 3 funds but maintain Bond to 50% level so 30% VTI 20% VXUS, 50% VBOND and do Roth conversion until you get to 15% tax rate. You shall be fine.
by WhiteMaxima
Wed Jun 14, 2017 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Bought $31K Stocks Today: Am I Mad?
Replies: 32
Views: 3552

Re: Bought $31K Stocks Today: Am I Mad?

31K is peanuts. Many people have millions in stock. Why so many funds? Just do one in VTI plus VXUS.
by WhiteMaxima
Tue Jun 13, 2017 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!
Replies: 75
Views: 5283

Re: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!

Crash is always possible. As a long term investor, crash is your friend. Stay in the market. Ignore all the white and pink noise.
by WhiteMaxima
Tue Jun 13, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7359

Re: What Do You Pay for an Oil Change?

Depend on the vehicle you deal with. Some of my vehicles engine bay is very easy to access, so I prefer to change oil myself. Just material cost. Some of my vehicle are are hard and must get access from below. I will just bring the car to mechanics and provide filter and oil. Pay them $20 labor to d...
by WhiteMaxima
Mon Jun 12, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Opening 529's for my kids. Am I missing anything?
Replies: 12
Views: 1707

Re: Opening 529's for my kids. Am I missing anything?

I put equal amount for each of my children. If one chose to attend more expensive school, she has to make her own difference. If one got scholarship, the money in 529 is hers. Simple and fair.
by WhiteMaxima
Mon Jun 12, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 91
Views: 5407

Re: Have you canceled cable?

being comcast ISP customer for years. always use promotion rate for the ISP. Much faster than centurylink DSL.
by WhiteMaxima
Mon Jun 12, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 91
Views: 5407

Re: Have you canceled cable?

I will never cut cable. I like the bandwidth of Comcast.
by WhiteMaxima
Mon Jun 12, 2017 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: New(ish) to investing - Too much cash? - Need guidance
Replies: 10
Views: 1361

Re: New(ish) to investing - Too much cash? - Need guidance

Use your cash to pay living expense. Then mega 401k after tax. Rollover to Roth everyear. Pick Vanguard or Fidelity. Keep it in a balance fund 1/3 US 1/3 Intl 1/3 Bond. Consolidate everything into one company (Vanguard or Fidelituy) Keep renting in Bay area, Do 529 of lump of 70k spread 5 years ( I ...
by WhiteMaxima
Fri Jun 09, 2017 11:53 am
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 10057

Re: Jim Rogers predicting "crash of a lifetime" this year or next

Just ignore any prediction. Put money in 1/3 VTI, 1/3 VXUS, 1/3 VBOND, rebalance and you will be fine.
by WhiteMaxima
Fri Jun 09, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: How would you invest $50k in 529 with 11 years to College?
Replies: 32
Views: 2735

Re: How would you invest $50k in 529 with 11 years to College?

Time is the factor. In the long run, equity return 7~8% real return. For short period, it may gain 20% and may lose -10%. As a family, I strongly suggest put a 529 account for muti-generations. That will avoid short term risk. And it's tax-free.
by WhiteMaxima
Fri Jun 09, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Current 401k with Huge Fees, Anything I can do?
Replies: 20
Views: 1069

Re: Current 401k with Huge Fees, Anything I can do?

invest in after-tax 401k. Then do rollover to Vanguard Roth every year. Buy VTI VXUS VBOND. Done.
by WhiteMaxima
Thu Jun 08, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Getting married oversesas -> can I file as single in US?
Replies: 5
Views: 478

Re: Getting married oversesas -> can I file as single in US?

No you can't. Even through religious wedding. You are considered to be married. Don't get marry for sake of money.
by WhiteMaxima
Thu Jun 08, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 5185

Re: Used 2013 Audi A5 or New Honda Accord Sport

One thing I found is downhill engine braking. Because of its AWD, it works perfectly. Turning on and off ramp curve, I feel more confident with the A5 than my FWD Toyota. A5 feels more balanced in performance, fuel economy, comfort and prestige. It is a very driveable small sedan.
by WhiteMaxima
Thu Jun 08, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

Live abroad before 65 and move back to US for medicare reason. You can live on 60k in many places around the world. Check worldwide living cost map and find your favorite places. Sell your junkies or put in storage and travel. The world is very big and interesting.
by WhiteMaxima
Thu Jun 08, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 5185

Re: Used 2013 Audi A5 or New Honda Accord Sport

I agree. The Audi A5 quattro AWD handling so well. Can achieve more lateral G than Honda. A new similar equip Accord will cost 30k. So 15k for a 4 year old Audi is not that bad.
by WhiteMaxima
Wed Jun 07, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: 7 yr ARM vs 30 Yr for new construction Condo
Replies: 22
Views: 1415

Re: 7 yr ARM vs 30 Yr for new construction Condo

7 Year ARM. 3.0% vs 30 year fix 4.25%. Who know when and how high the rate will go? It may go back to 0% after 7 years when another crisis hits.
by WhiteMaxima
Wed Jun 07, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 5185

Re: Used 2013 Audi A5 or New Honda Accord Sport

Audi Quattro is the selling point for me. Wet, snow or dry road handling is super. The 2.0 TSFI engine produce just enough power and torque to move the vehicle around. Ride is comfortable. Accord you actually feel a lot road noise. Reliability is yet to be proved on the Audi and could be expensive t...
by WhiteMaxima
Tue Jun 06, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: I'm considering buying a house in the $800k range.. can I?
Replies: 67
Views: 6053

Re: I'm considering buying a house in the $800k range.. can I?

For 350k income, a house mortgage interest plus property tax deduction has huge tax benefit too.
by WhiteMaxima
Tue Jun 06, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: I'm considering buying a house in the $800k range.. can I?
Replies: 67
Views: 6053

Re: I'm considering buying a house in the $800k range.. can I?

Real estate is very irrational place to be, very similar to stock market. Seattle becomes hot just like FLAG stocks. But there are jobs created here, people are moving in, housing is limited. Simple supply and demand equation. I only see it getting worse. 800K doesn't get you much in Seattle now. So...
by WhiteMaxima
Tue Jun 06, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: I'm considering buying a house in the $800k range.. can I?
Replies: 67
Views: 6053

Re: I'm considering buying a house in the $800k range.. can I?

In Seattle, 800k is just mean value of a SFH and forcast increasing 5~7% yearly before the boom bust. There is not enough land to build on in Seattle. If you are going to stay in Seattle for 10 years, you should buy now. Put 20% down. You monthly payment for the house is aroud 3~3.5k.
by WhiteMaxima
Fri Jun 02, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 5185

Re: Used 2013 Audi A5 or New Honda Accord Sport

Yes. Audi is engineered by German. Try to change battery or even jump start the car will need 3x amount of time. let alone some other more complicated stuff. Audi driving is 4.5/5 compare to BMW 5/5 vs Accord 4/5. Prestige wise Audi is German car vs Accord rice vehicle. As a BH, an Accord or even Co...
by WhiteMaxima
Fri Jun 02, 2017 12:29 pm
Forum: Investing - Theory, News & General
Topic: Does anyone treat taxable as a "someday fund"?
Replies: 86
Views: 5935

Re: Does anyone treat taxable as a "someday fund"?

I use taxable to fund my mega Roth up until the IRS limit.
by WhiteMaxima
Fri Jun 02, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Relative just bought a house in a hot market. Should I change my investment strategy?
Replies: 53
Views: 4881

Re: Relative just bought a house in a hot market. Should I change my investment strategy?

Real estate is also very local. Even within a city there are difference. I would use real estate to diversify your stock holding. Also depend on places where job is growing, wage growth, population growth and geological location (land available to build). You could upgrade you current house to a mor...
by WhiteMaxima
Fri Jun 02, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 5185

Re: Used 2013 Audi A5 or New Honda Accord Sport

I'v heard the new 2018 accord will have a turned Civic 1.5L engine to start. The dealer will have big discount on the current stock. The 2.4L I4, 6MT to me is very attractive. Very easy to access and repair. Small engine but sufficient powerful. I will probably test drive again to see if the Accord ...

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