Search found 1757 matches

by WhiteMaxima
Wed Apr 24, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 79
Views: 2929

Re: How far would you commute?

Zero. practically no more than 1/2 hr each way. Commute is waste of time, it's suiside.
by WhiteMaxima
Wed Apr 24, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Possible Divorce: Pension & Job Options
Replies: 46
Views: 3803

Re: Possible Divorce: Pension & Job Options

Life is more complicated than financial matter. Stay simple, be happy.
by WhiteMaxima
Wed Apr 24, 2019 10:37 am
Forum: Personal Investments
Topic: Close Vanguard and go all in with Fidelity?
Replies: 55
Views: 2164

Re: Close Vanguard and go all in with Fidelity?

I would split 1/2 1/2. I like index approach by Vanguard and low fee, I also like Fidelity active managed fund. Fidelity has local office in my area and they have nice coffee machines. :P
by WhiteMaxima
Tue Apr 23, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 59
Views: 4532

Re: Who is buying 1-3 year old used Toyotas and Hondas?

The only 1 year old car you should buy actually is new when new model come out. Usually is between July and Sept. Or Later Dec when dealer need to make sale number for the year. Car manufacturer usually give huge discount on last year model vehicle. You can ask 15% -> 20% off MSRP plus 0.9% finance....
by WhiteMaxima
Tue Apr 23, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 59
Views: 4532

Re: Who is buying 1-3 year old used Toyotas and Hondas?

For japanese brand, buy 1 - 3 year won't save you a lot. 1st, they don't depreciate a lot, 2nd you cant finance at 0.9% low interest for 36 month or 1.9 for 60 months. But, you can get a good deal in CPO German vehicle or a used American vehicle. normally they lost 50% after 1st three years.
by WhiteMaxima
Tue Apr 23, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: Buying a TV
Replies: 32
Views: 1045

Re: Buying a TV

Always buy 1 gen tech behind. Which means when 4K come out, buy 2k TV at 1/2 of original price. At normal watching distance, you can barely tell the difference. Most OTA signal is in 2k now. for 2K, plasma has the best pic quality. for 4k, an LG OLed is the best. I am waiting 65" OLED price drop bel...
by WhiteMaxima
Tue Apr 23, 2019 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: travel budget in retirement
Replies: 46
Views: 2867

Re: travel budget in retirement

if you are flexilable, you could pretty much get decent travel at much much lower price. An RT airfare to and from Aisan or European major cities for $499. A longer term stay ABNB during slow season for 1/2 of normal price. If you could exchange your own house, you can travel for 'free'.
by WhiteMaxima
Tue Apr 23, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: Living Overseas for 4 Months/Year for Regional Travel (Retirement)
Replies: 53
Views: 2829

Re: Living Overseas for 4 Months/Year for Regional Travel (Retirement)

Ever considering exchange house when you living abroad. Vacant house attract break in. You also need consider visa requirement. Normally not to over stay 90 days. So three months approx.
by WhiteMaxima
Tue Apr 23, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Foreign property/family issue
Replies: 31
Views: 1447

Re: Foreign property/family issue

Op, the best you can do is to introduce your ILs into BH club. Don't co-sign or do anything else.
by WhiteMaxima
Sun Apr 21, 2019 9:10 pm
Forum: Investing - Theory, News & General
Topic: Why should stocks beat bonds in the long run?
Replies: 106
Views: 5921

Re: Why should stocks beat bonds in the long run?

Because Bond is a fixed income, barely beat or even underperform unflation. Owning stock you are owning business, suppose can pass inflation to consumer. Business is also growing by borrowing through bond. Why would a company borrow money at higher cost than growing profit. So company should earn mo...
by WhiteMaxima
Sun Apr 21, 2019 9:04 pm
Forum: Personal Investments
Topic: Tapping into Roth to buy a house
Replies: 21
Views: 1479

Re: Tapping into Roth to buy a house

Don't do it. Just rent.
by WhiteMaxima
Fri Apr 19, 2019 5:51 pm
Forum: Personal Investments
Topic: Ever Too Much in HSA?
Replies: 23
Views: 2465

Re: Ever Too Much in HSA?

Save you all you medical receipt out of your own pocket. You can use it HSA as emergency fund. Just submit receipts and get money when you need. Of course, you want HSA grow as long as possible. So do it in your later years.
by WhiteMaxima
Fri Apr 19, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 104
Views: 8147

Re: Luxury car recommendations?

A Lexus GX470, basically a high end 4Runner. Tacoma Advantage:Familar to your previous Camry (Toyota reuse everything),AWD (torsen differential) , High reilaibilty (easy to 300k miles), High visibility, High re-sell value Disvantage: Gas milage, Bumpy truck ride, a little expensive (50K USD) Avoid G...
by WhiteMaxima
Fri Apr 19, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card for College Freshman
Replies: 50
Views: 1942

Re: Best Credit Card for College Freshman

Fidelity 529 Reward Visa, 2% reward on every purchase toward your college tuition and books.
by WhiteMaxima
Fri Apr 19, 2019 12:49 pm
Forum: Personal Investments
Topic: Thinking about selling stocks near all time highs
Replies: 98
Views: 9050

Re: Thinking about selling stocks near all time highs

I just sell everything and buying into balanced index fund (30/30/40) and stay the course.
by WhiteMaxima
Thu Apr 18, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: Ready to buy a new cheap smartphone - any gotchas?
Replies: 40
Views: 3407

Re: Ready to buy a new cheap smartphone - any gotchas?

iPhone SE. only available from Apple.com. Small and very economical.
by WhiteMaxima
Tue Apr 16, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 101
Views: 5690

Re: What Are Your Simple Pleasures?

Das Musik
by WhiteMaxima
Mon Apr 15, 2019 6:43 pm
Forum: Investing - Theory, News & General
Topic: Does 100% stocks make sense for very high net worth individuals
Replies: 126
Views: 12881

Re: Does 100% stocks make sense for very high net worth individuals

Thinking of owning a business not a trading card. If you are not leverage out with the potential wipe out during 40-50% down, I think there are many reason to own 100% of stock. But you would still have your living expense covered (if 100% equity give your enough dividend). Go for if you can.
by WhiteMaxima
Mon Apr 15, 2019 6:26 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 104
Views: 8147

Re: Luxury car recommendations?

I like to quietness of the Lexus cabine because I like to listen to CDs while I am driving. My wife said that for old man or a cruise ship. But I am that old yet. She refuse the Lexus LS because it is an old man's car.
by WhiteMaxima
Mon Apr 15, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 104
Views: 8147

Re: Luxury car recommendations?

A used Lexus LS. Find a used one with low mileage from an old man or lady. Need a more sporty feeling, get a set of low-profile rim and performace tire and you're ready to go. German luxury is good but too unreliable and expensive to repair. You can lease a new one but never buy it (that include MB,...
by WhiteMaxima
Mon Apr 15, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9774

Re: seriously thinking about leaving S. CA but where to?

Portland, OR , Seattle WA. Rain, not a problem. California is too dry. No water, no life.
by WhiteMaxima
Mon Apr 15, 2019 1:17 pm
Forum: Investing - Theory, News & General
Topic: Does 100% stocks make sense for very high net worth individuals
Replies: 126
Views: 12881

Re: Does 100% stocks make sense for very high net worth individuals

If you have high enough income to cover your daily and retirement expense, you should have no problem holding 100% equity. owing equity is like owning a company. many wall street hedge fund not only 100% in equity but also leveraged 1x10, that is 1000% in equity. Even Warren Buffet is leveraged 1x1....
by WhiteMaxima
Mon Apr 15, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 40
Views: 2713

Re: French Door Refrigerator Recommendations?

CR report LG has the lowest problem. Ordered one from Coctco. They will extend warranty and if anytime wrong they will take it back.
by WhiteMaxima
Fri Apr 12, 2019 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 3884

Re: Relocating to Seattle from Baltimore Area

Live close to work place or close to public transport. I see so many people working in Seattle but choose to live in the woods. Of course traffic would be worse. Traffic jam is always one-way. So if you live in the city and work in the woods, you commute time is short. I would bring lunch to work. Y...
by WhiteMaxima
Fri Apr 12, 2019 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 3884

Re: Relocating to Seattle from Baltimore Area

Expensive, Yes. WA has no income tax, this is a plus. Don't like Seattle liberalism, Bellevue welcome you. $15 truck lunch too expensive, Costco welcomes you. Tired of slow moving vehicle on the passing lane, horn on them. Generally, Seattle is a very welcome city to live.
by WhiteMaxima
Fri Apr 12, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 3884

Re: Relocating to Seattle from Baltimore Area

:sharebeer Have you spent much time in Seattle? I lived there for a bit over a year and I’m originally from the east coast. I moved there for the outdoors and loved the nature, scenery, hiking, and skiing within a short distance of the city. What I hated about it and ultimately led me to leave was ...
by WhiteMaxima
Fri Apr 12, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: China travel
Replies: 25
Views: 1867

Re: China travel

Guided travel group. Don't buy anything if they take you shopping.
by WhiteMaxima
Fri Apr 12, 2019 10:35 am
Forum: Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 148
Views: 15146

Re: "Never time the market" vs. lump sum investment

Investment is about taking emotion out. Lump sum, DCA are all good approaches. Let do this: Lump sum 50%, then DCA rest cross 24 months period.
by WhiteMaxima
Thu Apr 11, 2019 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house next year. Wife wants a big house. Thoughts?
Replies: 104
Views: 8539

Re: Buying a house next year. Wife wants a big house. Thoughts?

That's all depend on mortgage interest rate. If the rate is still low, then you can get a big house. Also location (or school district) is more important than the size of the house.
by WhiteMaxima
Wed Apr 10, 2019 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Tax advice for newlyweds ( second marriage)
Replies: 8
Views: 761

Re: Tax advice for newlyweds ( second marriage)

You need a postnuptial agreement since this is your 2nd marriage. More important than tax plan.
by WhiteMaxima
Wed Apr 10, 2019 2:20 pm
Forum: Personal Investments
Topic: Clean up of 100+ stocks in taxable
Replies: 32
Views: 2632

Re: Clean up of 100+ stocks in taxable

Take a gap year to reduce you earning income to barely 0% long term cap gain. Set a market sell and cleaning up every stock you have and don't worry about gain and loss. Put all proceeding into a balanced index fund (40/30/30 US/Intl/Bond). Forget about everything and let the market run it' course....
by WhiteMaxima
Wed Apr 10, 2019 1:49 pm
Forum: Personal Investments
Topic: Clean up of 100+ stocks in taxable
Replies: 32
Views: 2632

Re: Clean up of 100+ stocks in taxable

Take a gap year to reduce you earning income to barely 0% long term cap gain. Set a market sell and cleaning up every stock you have and don't worry about gain and loss. Put all proceeding into a balanced index fund (40/30/30 US/Intl/Bond). Forget about everything and let the market run it' course....
by WhiteMaxima
Wed Apr 10, 2019 12:43 pm
Forum: Personal Investments
Topic: Clean up of 100+ stocks in taxable
Replies: 32
Views: 2632

Re: Clean up of 100+ stocks in taxable

Take a gap year to reduce you earning income to barely 0% long term cap gain. Set a market sell and cleaning up every stock you have and don't worry about gain and loss. Put all proceeding into a balanced index fund (40/30/30 US/Intl/Bond). Forget about everything and let the market run it' course.
by WhiteMaxima
Wed Apr 10, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 532
Views: 58535

Re: Fidelity as a one stop shop

Yes Fidelity is a nice one stop shop. It is a discount fund compay with local office, it has excellent 2% reward credit card, ATM card The coffee machine is excellent in the office. You can get in chat with a Financial advisor and have a cup of free coffee.
by WhiteMaxima
Wed Apr 10, 2019 11:28 am
Forum: Investing - Theory, News & General
Topic: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)
Replies: 32
Views: 2997

Re: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)

It's a not loss leader. It's simple make less money. fidelity lend zero fund to short sellers. Many BH are abandon Fidelity to Vanguard. Now zero fund will compete with Vanguard low cost index fund. The performance is yet to see. need some time.
by WhiteMaxima
Wed Apr 10, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8125

Re: Are Airport Lounges Worth the Money?

I have Chase CSR card. I travel a lot internationally. Well worth the $150 fee (after $300 back).
by WhiteMaxima
Mon Apr 08, 2019 4:56 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 750
Views: 65951

Re: That's enough for me in 2019

We haven't recovered back to 2018 peak yet. Thought you can time the market once if we had a draw down of -30% this year. You also have to be right twice to get back into the market. We don't know what will happen tomorrow. Maybe it's not a bad idea to take some of you money off the table.
by WhiteMaxima
Fri Apr 05, 2019 5:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 678
Views: 76506

Re: U.S. stocks continue to soar!

The market in on an incredible upswing again. I like to buy the dips. This slow steady rise is making me nervous. We need a 6% one day swing in the S&P. I miss 2018, sigh. :( Be careful what you wish for. the market is at its sweet spot now. Fed is stopping raise short term interest. inflation is s...
by WhiteMaxima
Fri Apr 05, 2019 4:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 678
Views: 76506

Re: U.S. stocks continue to soar!

The market in on an incredible upswing again. I like to buy the dips. This slow steady rise is making me nervous. We need a 6% one day swing in the S&P. I miss 2018, sigh. :( Be careful what you wish for. the market is at its sweet spot now. Fed is stopping raise short term interest. inflation is s...
by WhiteMaxima
Fri Apr 05, 2019 3:55 pm
Forum: Personal Investments
Topic: Reset AA, please critique.
Replies: 5
Views: 384

Re: Reset AA, please critique.

the 1% fund allocation servers me as barometer for large, small, intl segment. So if one sector is break out or under perform, I would know the 1st time. I always believ a balanced index fund approach should fit to anyone in any age group. Will be fine with just one balanced fund index. the 8, 18% a...
by WhiteMaxima
Fri Apr 05, 2019 1:25 pm
Forum: Personal Investments
Topic: Reset AA, please critique.
Replies: 5
Views: 384

Reset AA, please critique.

Rabalnced 401k to the following: Bond index 8% Balanced Index 18% S&P500 30% Int'l Index 18% Russel 2000 index 8% Stable Value 12% large cap active 1% US small cap active 1% int'l active 1% global active 1% Company (Dow component) 2% Very much boring portfolio. Not too much of choice. Just stay the ...
by WhiteMaxima
Fri Apr 05, 2019 12:33 pm
Forum: Personal Investments
Topic: Opinion on VTWAX [Vanguard Total World Stock]
Replies: 107
Views: 10231

Re: Opinion on VTWAX [Vanguard Total World Stock]

i am going to sell all my individual stock and invest all into this fund. No three fund, not even two fund. just one single VTWAX fund.
by WhiteMaxima
Thu Apr 04, 2019 7:02 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18451

Re: Talk me in/out of $35k Tesla Model 3

Spend 1/2 of $35K, get a Mazda 3, much fun to drive. Spend your savings into XOM, or Shell Company. The dividend will pay for your gas expense. Tesla is no zero emission. Electricity is from dirty coal or natural gas. Zoom Zoom Zoom.
by WhiteMaxima
Thu Apr 04, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: Help With Travel to Prague - Vienna - Budapest
Replies: 15
Views: 1818

Re: Help With Travel to Prague - Vienna - Budapest

Very tight schedule. at least 2 days in a city. Train links these cities. I will choose ABNB. I have T-Mobile that will have 3G data in most place.
by WhiteMaxima
Wed Apr 03, 2019 12:52 pm
Forum: Investing - Theory, News & General
Topic: Reasonable timeframe to 'average in' to index funds?
Replies: 45
Views: 3452

Re: Reasonable timeframe to 'average in' to index funds?

alex123711 wrote:
Fri Mar 29, 2019 7:16 pm
If the best option is by averaging into the index is to dollar cost average over a long period, what is a reasonable time frame to do this, if one was mostly holding cash.
Average in and average out of index are the rules of BH investing.
by WhiteMaxima
Tue Apr 02, 2019 2:40 pm
Forum: Personal Investments
Topic: Pension - Lump Sum or Annuity?
Replies: 11
Views: 1415

Re: Pension - Lump Sum or Annuity?

Can you do 50/50? 50% lump sum, 50% annuity? Future is hard to predict.
by WhiteMaxima
Tue Apr 02, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: Summer Europe trip - overwhelming to plan!
Replies: 29
Views: 1998

Re: Summer Europe trip - overwhelming to plan!

If you flying to Helsinky 1st, you can ferry to Eastonia, Lativa or Stockholm Sweden then Demark or St. Pertersbog Russia. Summer day light is long and not as hot than southern Europe. You will see a lot of cruise ship travelers there. for two weeks that pretty much full. Or Central Europe (Berlin, ...
by WhiteMaxima
Tue Apr 02, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Any *disadvantages* to citizenship?
Replies: 74
Views: 3696

Re: Any *disadvantages* to citizenship?

My wife is currently a citizen of an EU country but has a green card in the US and has worked here for years. Any financial or tax disadvantages to becoming a US citizen? We really can't think of one. She is not technically required to renounce her EU citizenship if she becomes a US citizen. Thanks...
by WhiteMaxima
Tue Apr 02, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: Summer Europe trip - overwhelming to plan!
Replies: 29
Views: 1998

Re: Summer Europe trip - overwhelming to plan!

Euro train usually stop right at the center of the city or under the airport. You could take a night fast train from Pairs to Roma and have your own privite room with sleepers. For best value, go to east Europe (czek, hungary, slovenia), they all have more characters than vanila western europe.