Search found 295 matches

by WhiteMaxima
Fri Aug 18, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 158
Views: 10667

Re: Lost $7000 today in ONE DAY!

Unbelievable that a thread like this would warrant 3 pages. Really? There are a host of individuals who have been investing for the past 7-8 years that have never experienced a true bear market. For them stocks only go up, up and up. It will be an eye opener even if we talk about it over and over. ...
by WhiteMaxima
Fri Aug 18, 2017 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 8
Views: 774

Re: Portfolio Review

Too many funds, too complicated. Can't even read through these collections of funds. Reduce to 3 funds and stick with it, done.
by WhiteMaxima
Fri Aug 18, 2017 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 158
Views: 10667

Re: Lost $7000 today in ONE DAY!

The Wizard wrote:
Fri Aug 18, 2017 11:21 am
WhiteMaxima wrote:
Fri Aug 18, 2017 11:11 am
It's just paper worth. If you have cash on the side, any big drop is a buying opportunity.
Buying on the dips, yes...
I won't buy on 1.5% dip. I'd buy on -10% correction.
by WhiteMaxima
Fri Aug 18, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 158
Views: 10667

Re: Lost $7000 today in ONE DAY!

It's just paper worth. If you have cash on the side, any big drop is a buying opportunity.
by WhiteMaxima
Thu Aug 17, 2017 2:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 993546

Re: U.S. stocks in freefall

The market is long over due for a correction. -10% or 20% I don't know.
by WhiteMaxima
Thu Aug 17, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: what % of international stock
Replies: 31
Views: 1511

Re: what % of international stock

During this year, the large portion of intl gain very US is because of the dollar devaluation. I would say 40/40/20 US/Intl/EM is the baseline.
by WhiteMaxima
Thu Aug 17, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: How I use I-ORP, and who shouldn't
Replies: 72
Views: 5945

Re: How I use I-ORP, and who shouldn't

That's why in your early age (career), you should contribute aft-tax 401k to the pt that you have 15% marginal rate and use aft-tax saving to cover your daily expense. If your company offers aft-tax 401k, that' even great, do mega Roth. You would have 30 to 40 years doing this until you reach 65 whe...
by WhiteMaxima
Thu Aug 17, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: ETFs for Roth account?
Replies: 6
Views: 455

Re: ETFs for Roth account?

You can use Schwab index. No min ($25 for start), low fee though I like Vanguard.
by WhiteMaxima
Tue Aug 15, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: All in stocks: Where to go now?
Replies: 24
Views: 2182

Re: All in stocks: Where to go now?

I can't think of any situation where I would sell unless a personal hardship happened during the crash. That hardship is a fair bit of my concern. I have about 6 months of normal living expenses in an emergency fund in cash. I'm torn on whether during a crash I would invest more because I might wan...
by WhiteMaxima
Mon Aug 14, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 7914

Re: Retire early, live abroad until 65 and come back

I am considering this as well (Europe)... not for general lower cost of living, but mainly health insurance costs. It is not my top plan...more like a plan C, but as a lower income boglehead, I will not be able to afford to retire at 55 without the ACA. If the ACA stays, I would probably just visit...
by WhiteMaxima
Mon Aug 14, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: All in stocks: Where to go now?
Replies: 24
Views: 2182

Re: All in stocks: Where to go now?

I was 100% in equity last 5 years. Pure luck. No I am nerves, I am now 60% equity and 40% in cash.
by WhiteMaxima
Thu Aug 10, 2017 4:28 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 5999

Re: What Percentage CASH are you?

cash 25%
Bond 5%
US 40%
intl 30
by WhiteMaxima
Wed Aug 09, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Save to buy home on cash
Replies: 17
Views: 1339

Re: Save to buy home on cash

In major job hub, 20% down and leveage.
by WhiteMaxima
Wed Aug 09, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 7914

Re: Retire early, live abroad until 65 and come back

I have booked flight next month to re-visit Prague, Vienna and Budapest. Fly in Amstasterdam and rent a car through Berlin, then heading south into Aus-Hungarian land. Any suggestions? How much of your yearly $30k budget is this trip going to cost you? Free flight frm Chase Reserve Card. $900 round...
by WhiteMaxima
Wed Aug 09, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 7914

Re: Retire early, live abroad until 65 and come back

I have booked flight next month to re-visit Prague, Vienna and Budapest. Fly in Amstasterdam and rent a car through Berlin, then heading south into Aus-Hungarian land. Any suggestions? How much of your yearly $30k budget is this trip going to cost you? Free flight frm Chase Reserve Card. $900 round...
by WhiteMaxima
Wed Aug 09, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 7914

Re: Retire early, live abroad until 65 and come back

On the contrary, I feel less like to get ticket in west Europe than in the USA. You don't see many police on the motor way. Most is speed camera. Driving up to 200 km/h is no big deal. I booked a VW for a week from Amsterdam for just $100 a week. No city tax, no stadium tax. Of course I have to pay ...
by WhiteMaxima
Wed Aug 09, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 7914

Re: Retire early, live abroad until 65 and come back

I have booked flight next month to re-visit Prague, Vienna and Budapest. Fly in Amstasterdam and rent a car through Berlin, then heading south into Aus-Hungarian land. Any suggestions?
by WhiteMaxima
Tue Aug 08, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 2859

Re: Should I Buy a New Car?

Keep the car.
by WhiteMaxima
Mon Aug 07, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 7914

Re: Retire early, live abroad until 65 and come back

US passport can only stay 90 days out of 180 days. Short stay means high travel and rent expense. Stay more than 180 during a year you are subjected to hefty EU taxes.
by WhiteMaxima
Mon Aug 07, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 273
Views: 36609

Re: Retreat to cash

I always keep 10% as cash. But remain in market for the most of time. I can't predict the future but I believe remain in the market is the only way to beat inflation.
by WhiteMaxima
Mon Aug 07, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 7914

Re: Retire early, live abroad until 65 and come back

Euro nations, Southeast Asia. All more afforadable than US. Healthcare cost is just a fraction even compare to ACA cost. All these nationals are small but with different culture and rich in history. I believe between 50 to 65 is the golden year in human life: health, wealth, willingness to explore....
by WhiteMaxima
Mon Aug 07, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 7914

Re: Retire early, live abroad until 65 and come back

In addition to the financial, medical, and social considerations be realistic about the time and effort it takes to select a country, a town, an apartment, and various local services. Even the preliminary research of visiting all the sites and watching all the videos recommended in this thread will...
by WhiteMaxima
Mon Aug 07, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Help with understanding - pay taxes now or in future
Replies: 59
Views: 3187

Re: Help with understanding - pay taxes now or in future

Pay tax in the future if tax rate stay the same. The reason: if market crushed, pay later would be better.
by WhiteMaxima
Mon Aug 07, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Best "investment tip" I have gotten from Bogleheads
Replies: 44
Views: 6017

Re: Best "investment tip" I have gotten from Bogleheads

CSR has short term travel insurance. Generally, the US health is worst in cost and benefit in the developed world. We pay more and get less.
by WhiteMaxima
Fri Aug 04, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Please review my portfolio, ~$513k, I can make changes now. Complete beginner!
Replies: 23
Views: 3838

Re: Please review my portfolio, ~$513k, I can make changes now. Complete beginner!

Nothing wrong in your AA. Most of them are in Vanguard Index. Just leave it alone and don't open your monthly statement until you are 70 as John Bogle said.
by WhiteMaxima
Fri Aug 04, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Mega backdoor roth - help working through an emotional hurdle
Replies: 16
Views: 1398

Re: Mega backdoor roth - help working through an emotional hurdle

No problem with DCA out and DCA in. Time in the market not timing the market. One thing you need to consider is to have EM. Once the money is into 401a, you can't touch it.
by WhiteMaxima
Fri Aug 04, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble spending?
Replies: 91
Views: 5603

Re: Anyone else have trouble spending?

110 mile daily commuting, a new Honda Civic Type R fits you very well. Fun, reliable, and exciting. Can't buy honda. They compete with part of my business in another business. I'm brand passionate and will not support competitors anywhere. Also, the small cars are louder and are not as stable at hi...
by WhiteMaxima
Fri Aug 04, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble spending?
Replies: 91
Views: 5603

Re: Anyone else have trouble spending?

110 mile daily commuting, a new Honda Civic Type R fits you very well. Fun, reliable, and exciting. Can't buy honda. They compete with part of my business in another business. I'm brand passionate and will not support competitors anywhere. Also, the small cars are louder and are not as stable at hi...
by WhiteMaxima
Fri Aug 04, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble spending?
Replies: 91
Views: 5603

Re: Anyone else have trouble spending?

110 mile daily commuting, a new Honda Civic Type R fits you very well. Fun, reliable, and exciting.
by WhiteMaxima
Thu Aug 03, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 7914

Re: Retire early, live abroad until 65 and come back

What if living abroad expense is 1/2 of the cost in the US? That could extend your saving more than twice as long.
by WhiteMaxima
Thu Aug 03, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 7914

Re: Retire early, live abroad until 65 and come back

Spain issues golden visa if a foreign family invest 500kEuro. After 5 years, you get permanent euro residence.
by WhiteMaxima
Thu Aug 03, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 7914

Re: Retire early, live abroad until 65 and come back

According to https://www.numbeo.com/cost-of-living/comparison.jsp Living abroad is cheaper than in US I am 50, married. Enjoy traveling and different culture. With saving around 1.5 mil in fore and aft-tax acount (three funds 40/40/20) I am thinking about retire abroad until 65 when Medicare takes ...
by WhiteMaxima
Wed Aug 02, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 7914

Re: Retire early, live abroad until 65 and come back

I have company pension at 30k per year. That will last me quite well in Thailand between 65 and 70 1/2 when I will claim SS at $3400 /month. I guess I would complete Roth conversion by 70 1/2. Until then I have no RMD just SS and pension. Between now to 70 is truly a golden era for traveling, explor...
by WhiteMaxima
Wed Aug 02, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 7914

Re: Retire early, live abroad until 65 and come back

Euro nations, Southeast Asia. All more afforadable than US. Healthcare cost is just a fraction even compare to ACA cost. All these nationals are small but with different culture and rich in history. I believe between 50 to 65 is the golden year in human life: health, wealth, willingness to explore. ...
by WhiteMaxima
Wed Aug 02, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 7914

Retire early, live abroad until 65 and come back

According to m Living abroad is cheaper than in US I am 50, married. Enjoy traveling and different culture. With saving around 1.5 mil in fore and aft-tax acount (three funds 40/40/20) I am thinking about retire abroad until 65 when Medicare takes effective. Live on after tax savings at 1/2 or even ...
by WhiteMaxima
Wed Aug 02, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Should I spend 5k annually on travel?
Replies: 74
Views: 7197

Re: Should I spend 5k annually on travel?

Not only You should, you must.
by WhiteMaxima
Wed Aug 02, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Married filing separately, Roth IRA rollover
Replies: 3
Views: 252

Married filing separately, Roth IRA rollover

Both me and DW will be at higher tax threshold filing jointly. If I retired before 70 with no income, can I file as married filing separately? My plan is to complete the Roth rollover before 70.
by WhiteMaxima
Wed Aug 02, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: A poll: How much money do you want to retire?
Replies: 270
Views: 21154

Re: A poll: How much money do you need to retire?

What's the assumption? House paid off. Kids out of college. Good health. Low cost or high cost area? Yearly expense?
by WhiteMaxima
Tue Aug 01, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Shall I just leave my investment alone?
Replies: 10
Views: 889

Re: Shall I just leave my investment alone?

What if you have decade of investment horizon, do you still worry about market crush tomorrow?
by WhiteMaxima
Tue Aug 01, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Shall I just leave my investment alone?
Replies: 10
Views: 889

Re: Shall I just leave my investment alone?

My plan is retire at 60 and move to low cost place and start to rollover pre-tax to Roth IRA (down market I roll more) until 70 1/2. I might keep my 90/10 AA forever, establish my own foundation and leave the remaining into and leave some to my kids.
by WhiteMaxima
Tue Aug 01, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Shall I just leave my investment alone?
Replies: 10
Views: 889

Shall I just leave my investment alone?

Currently I am 50, married

AA 50% US 40% Intl 10% Bond and Cash. 30K company pension when I am 65

Max pre-tax, max aft-tax (will do mega Roth conversion at year end)

Saving rate 30%

Auto rebalance AA every month

My plan is to ignore all noise and leave my investment alone until I need it.
by WhiteMaxima
Mon Jul 31, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford it ? [A new car]
Replies: 95
Views: 6095

Re: Can I afford it ? [A new car]

test drive all them and decide what you need vs want.
by WhiteMaxima
Mon Jul 31, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: $13 Million Goal for Early Retirement (am I crazy?)
Replies: 160
Views: 26150

Re: $13 Million Goal for Early Retirement (am I crazy?)

if you live in venezuela, you could turn 1k to 13 mil in weeks. norminal money is just a number. Actually any paper money or stock is just a number. A good measure of wealth is long can your saving can support your lifestyle in a happy, satisfation and healthy way. If you believe this, you can live ...
by WhiteMaxima
Thu Jul 27, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: 100% Stock Portfolio For Late Starter?
Replies: 35
Views: 2857

Re: 100% Stock Portfolio For Late Starter?

You can always do balanced fund if your can't tolerate too much loss. A balanced fund is 40% US, 30% ex-US 30% Bond and TIPS. At 40s, betting 100% in stock is kind of risky.
by WhiteMaxima
Thu Jul 27, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: 100% Stock Portfolio For Late Starter?
Replies: 35
Views: 2857

Re: 100% Stock Portfolio For Late Starter?

It's the time in the market not the timing in the market if you look from decades perspective. If you tracking your asset day-by-day, then timing not the time. Yes, you can hold 100% even you beyond your retirement if you have 18 to 24 month living expense in cash (but that could push 100% to low % ...
by WhiteMaxima
Thu Jul 27, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: 100% Stock Portfolio For Late Starter?
Replies: 35
Views: 2857

Re: 100% Stock Portfolio For Late Starter?

I don't see problem if you don't need the money before 65. You have to stay with it even if market dropped 50%. 25 years is a long time. I am not a big fan of bond. They can move in the same direction with stock. In the long history, stock index always beat bond index.
by WhiteMaxima
Wed Jul 26, 2017 3:06 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 31645

Re: How much international stock? A suggestion.

Nobody knows. A balanced fund will have 30% US 30% Intl 30% BND 10% REITS. I would do 40% US 30% Intl 20% BND 10%Cash