Search found 2123 matches

by WhiteMaxima
Mon Jun 01, 2020 2:45 pm
Forum: Personal Investments
Topic: Out of market now and need advice on re-entering
Replies: 67
Views: 5185

Re: Out of market now and need advice on re-entering

Time in the market, not time the market. I am 90/10 through March and did't sell a dime. And I increase my DCA. So far my 2020 is down -2.2% and most like to recover my paper loss by 2020. Time the maket will never work. Just re-enter now to your AA according to your risk tolerance. For 50s, you sti...
by WhiteMaxima
Fri May 29, 2020 12:28 pm
Forum: Investing - Theory, News & General
Topic: Why is the market soaring?
Replies: 35
Views: 4412

Re: Why is the market soaring?

More money chase limited share of company.
by WhiteMaxima
Tue May 26, 2020 12:29 pm
Forum: Personal Investments
Topic: Should I lump sum some money today?
Replies: 24
Views: 2467

Re: Should I lump sum some money today?

As a long term investor, lump sum.
by WhiteMaxima
Wed May 20, 2020 10:38 am
Forum: Personal Investments
Topic: Individual stock for son's birthday
Replies: 54
Views: 2050

Re: Individual stock for son's birthday

Yes. One share of BRKA. :P :P :P
by WhiteMaxima
Tue May 19, 2020 1:05 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 19527

Re: What is your most luxury/expensive hobby.

My most expensive hobby is audiophile equipments.
by WhiteMaxima
Thu May 14, 2020 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Good Time to Buy New Car or Wait?
Replies: 38
Views: 3614

Re: Good Time to Buy New Car or Wait?

It's locked down everywhere. What do you need a new car for? get a used bicycle for $10 from yard sale which can get you anywhere.
by WhiteMaxima
Wed May 06, 2020 4:12 pm
Forum: Investing - Theory, News & General
Topic: Why doesn’t BRK just buy SP500 index fund?
Replies: 37
Views: 3480

Re: Why doesn’t BRK just buy SP500 index fund?

BRKA/B pays no dividend : tax free, eventually low long term cap gain tax
BRKA/B pays very little corporate tax: low tax

SPY pays dividend: dividend tax pay: high tax
some SPY company pay high corporate tax: high tax

BRKA/B has holds undervalued company
SPY holds company at overheated market
by WhiteMaxima
Wed May 06, 2020 1:10 pm
Forum: Personal Consumer Issues
Topic: Cross Country Drive-Best route? Safest way to do it?
Replies: 40
Views: 3783

Re: Cross Country Drive-Best route? Safest way to do it?

NP all closed for business. Most business too. Best way now is take the fastest route to get to your destination. Bring a lot ready to eat food in case cant find restrurant.
by WhiteMaxima
Sat Apr 25, 2020 1:00 am
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 464
Views: 219526

Re: The Mega Backdoor Roth IRA

March market crash create great opportunities to invest into equity and do mega Roth IRA.
by WhiteMaxima
Sat Apr 25, 2020 12:58 am
Forum: Personal Consumer Issues
Topic: Apple Released a New Low-cost Iphone
Replies: 172
Views: 14311

Re: Apple Released a New Low-cost Iphone

No need to waste $300 for another iPhone. Have the original iPhone SE (can stand on it's edge, phone jack). Can do anything the SE2 do. I use DSLR to take serious photo, computer for browsing. Save your $300.
by WhiteMaxima
Wed Apr 15, 2020 5:07 pm
Forum: Investing - Theory, News & General
Topic: whos' just about had it w/ SCV ?
Replies: 263
Views: 16402

Re: whos' just about had it w/ SCV ?

Just buy total stock market. it has SCV and everything.
by WhiteMaxima
Wed Apr 08, 2020 4:16 pm
Forum: Personal Investments
Topic: What do I do with cash??
Replies: 30
Views: 2455

Re: What do I do with cash??

FDIC insured CD
by WhiteMaxima
Wed Apr 01, 2020 12:02 pm
Forum: Investing - Theory, News & General
Topic: Is the coming pain really "priced in"?
Replies: 201
Views: 18961

Re: Is the coming pain really "priced in"?

I don't know. But the more down, the more close I would think. Don't underestimate the US economy, the more market down , I am more optimistic. I increase my DCA and pull the rebalance trigger. Good investing.
by WhiteMaxima
Mon Mar 30, 2020 6:38 pm
Forum: Personal Consumer Issues
Topic: I think I may Cut the Cord - help me with phone
Replies: 16
Views: 966

Re: I think I may Cut the Cord - help me with phone

Cutting cord? Do everyone work from home and kids study at home? who has the best bandwidth? cell or cable internet?
by WhiteMaxima
Thu Mar 26, 2020 6:17 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63134

Re: So bottom is probably behind us....right?

bottom was in 100 years ago. If you invested 10K in a diversified folio 100 years ago and never sell during market correction. Go figure how much the $10k investment worth today. What happend last 3 weeks is just pothole when you look back 5 years later. Stay calm, stay the course.
by WhiteMaxima
Tue Mar 24, 2020 12:25 pm
Forum: Personal Investments
Topic: Selling 100% stocks on a bounce
Replies: 207
Views: 17104

Re: Selling 100% stocks on a bounce

Go ahead. It's your money.
by WhiteMaxima
Mon Mar 23, 2020 4:30 pm
Forum: Investing - Theory, News & General
Topic: Anybody want to guess the bottom of this "dip"?
Replies: 573
Views: 37766

Re: Anybody want to guess the bottom of this "dip"?

pothole. the bottom was 100 years ago.
by WhiteMaxima
Mon Mar 23, 2020 3:16 pm
Forum: Investing - Theory, News & General
Topic: Anybody want to guess the bottom of this "dip"?
Replies: 573
Views: 37766

Re: Anybody want to guess the bottom of this "dip"?

There is no "bottom" , it is only a pothole. So I am greedy and pick up some stocks before you do.
by WhiteMaxima
Sat Mar 21, 2020 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: [Work From Home] - What does your company pay for?
Replies: 83
Views: 4528

Re: [Work From Home] - What does your company pay for?

You should be thankful if you still can still work from home. A lot people lost their job and small business close businesss.
by WhiteMaxima
Sat Mar 21, 2020 12:27 am
Forum: Personal Consumer Issues
Topic: Are you in the mood to buy anything?
Replies: 62
Views: 5006

Re: Are you in the mood to buy anything?

Dollar cost averaging. It is the best time I tell you.
by WhiteMaxima
Sat Mar 21, 2020 12:16 am
Forum: Investing - Theory, News & General
Topic: 2020 COVID Crash Lessons
Replies: 157
Views: 12792

Re: 2020 COVID Crash Lessons

My lesson leaned: Virus can kill people. Lose money on paper is difficult. But life is more precious. Life is more important than money.
by WhiteMaxima
Sat Mar 21, 2020 12:00 am
Forum: Personal Investments
Topic: I knew this was going to happen and did nothing...
Replies: 107
Views: 9841

Re: I knew this was going to happen and did nothing...

I didn't expect this kind of drop. I thought because of travel ban from China will stop the virus spread in the US. Things happened. I am increase my DCA and plan for the future.
by WhiteMaxima
Thu Mar 12, 2020 12:44 pm
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 25894

Re: Who is staying course and how are you dealing with net worth going down?

I pull out 529 from equity to fix income before the crash. Good to pay for my daughter's college tuition. I am re-balanced into 80/20 for for my 401K account. I am not panic. Still years away from retirement. I am max my 401k contribution at 30% of my wages to 57K IRS allowable. I have company pensi...
by WhiteMaxima
Mon Mar 09, 2020 11:35 am
Forum: Personal Investments
Topic: Should I stay on course?
Replies: 12
Views: 1069

Re: Should I stay on course?

Stay alive, stay the course.
by WhiteMaxima
Thu Mar 05, 2020 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Installing solar - worth it?
Replies: 70
Views: 4113

Re: Installing solar - worth it?

No. Buy your own Solar panel and setup your own solar farm in your back yard.
by WhiteMaxima
Thu Mar 05, 2020 11:37 am
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 183
Views: 48106

Re: Seattle Area Chapter Meetings - Master Thread

Video conference from your own kitchen. Cook your own food and be safe.
by WhiteMaxima
Thu Mar 05, 2020 11:21 am
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 183
Views: 48106

Re: Seattle Area Chapter Meetings - Master Thread

Beware of virus.
by WhiteMaxima
Mon Feb 24, 2020 12:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633198

Re: U.S. stocks in free fall

Stay in the course.
by WhiteMaxima
Fri Feb 21, 2020 11:47 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 282
Views: 33547

Re: Did you celebrate when you finally hit $1m?

No. I knew the $1 purchase power is not used to be.
by WhiteMaxima
Mon Feb 17, 2020 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should you always use a 529?
Replies: 104
Views: 15043

Re: Should you always use a 529?

Yes, you should always save and use 529. The reason: a forced saving, not Roth, not HSA. the money is there whenever you kids need it. Of course, that's built on the assumption that your kids will need it. That's certainly not always the case. Even if your children don't need it. Still a good estat...
by WhiteMaxima
Thu Feb 13, 2020 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Should you always use a 529?
Replies: 104
Views: 15043

Re: Should you always use a 529?

Yes, you should always save and use 529. The reason: a forced saving, not Roth, not HSA. the money is there whenever you kids need it.
by WhiteMaxima
Wed Feb 12, 2020 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Where to leave money when we die
Replies: 68
Views: 5340

Re: Where to leave money when we die

I will mega fund 529 fund for grandchildren.
by WhiteMaxima
Wed Feb 12, 2020 5:33 pm
Forum: Personal Consumer Issues
Topic: Best Oil?
Replies: 124
Views: 10187

Re: Best Oil?

2x 5K miles semi synthetic OCI is better than 1x 10 mile synthetic oil change. Based on Bobistheoilguy. Toyota 0W20 and Mobil One 0W20 EP are Group IV based synthetic oil. For high mileage LC, use GC 0W30 for extended protection,
by WhiteMaxima
Tue Feb 11, 2020 2:19 pm
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 183
Views: 48106

Re: Seattle Area Chapter Meetings - Master Thread

I missed the donuts place in Bellevue.
by WhiteMaxima
Tue Feb 11, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: Tires for older, lower annual mileage cars?
Replies: 55
Views: 2879

Re: Tires for older, lower annual mileage cars?

In the past, we have usually purchased higher quality (and more expensive) tires. Now, however, with us (DW and I) driving only about 5,000 miles per year on each of our older (a 2003 and a 2007) Toyotas, I wonder if we would now be just as well to buy somewhat lower priced tires. Thoughts? Experie...
by WhiteMaxima
Fri Jan 31, 2020 2:56 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 v Civic Si
Replies: 46
Views: 2790

Re: Mazda 3 v Civic Si

I bought a 2008 low mile Mazda 3 hatchback for my daughter who is attending college. It has good handling and driving dynamic. Kind of like poor man's BMW. It is very reliable and stylish small hatch. Gas mileage is ok, not super. I would say a Honda will be very similar. But I like the Mazda stylin...
by WhiteMaxima
Thu Jan 30, 2020 6:55 pm
Forum: Personal Consumer Issues
Topic: Two Week Vacation in France - Drive Vs Train
Replies: 11
Views: 922

Re: Two Week Vacation in France - Drive Vs Train

A train pass and a bicycle.
by WhiteMaxima
Thu Jan 30, 2020 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 401
Views: 33137

Re: JPM Chase Reserve Card gets more expensive

Wow....that sounds very high for coach transatlantic flights. But maybe not. Price a summer trip from the west coast to Europe and tell me whether you still think that's expensive. I just priced a bunch of itineraries in June and July: SFO to Vienna SFO to Venice SFO to Paris LAX to Vienna LAX to V...
by WhiteMaxima
Wed Jan 29, 2020 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 401
Views: 33137

Re: JPM Chase Reserve Card gets more expensive

But most people are redeeming for domestic or international economy and those tickets are almost always getting you $0.015/pt or less value on a points transfer. As more and more carriers move to revenue based point redemption (as United has just done) you will continue to get worse value out of yo...
by WhiteMaxima
Wed Jan 29, 2020 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 401
Views: 33137

Re: JPM Chase Reserve Card gets more expensive

Summer is always expensive. But summer is not the best season for european travel: expensive , crowd, hot. I prefer travel in spring and fall. cheap and weather is pleasant. Winter travel durimg Christmas is also very fun and interesting. Avoid crowd and expensive summer travel.
by WhiteMaxima
Wed Jan 29, 2020 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 401
Views: 33137

Re: JPM Chase Reserve Card gets more expensive

If you google flight, a trans atlantic flight could cost $550 if you are flexiable, esp if you are retired. the CSR portal airfare is not always the best. I would google flight and use CSR to pay for the flight. however, CSR car rental always beat travelocity because of the 1.5 factor. also use CSR ...
by WhiteMaxima
Wed Jan 29, 2020 3:56 pm
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 183
Views: 48106

Re: Seattle Area Chapter Meetings - Master Thread

Mon->Fri I have to work. Can't meet. Weekend in donuts shop is prefered. Not fan of crossroad food court.
by WhiteMaxima
Wed Jan 29, 2020 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to save BIG in a HCOLA
Replies: 64
Views: 5150

Re: How to save BIG in a HCOLA

DIY. HCOLA is usually expensive on everything. labor, eat out. If you DIY, you can save big.
by WhiteMaxima
Wed Jan 29, 2020 1:11 pm
Forum: Personal Investments
Topic: Down Payment Strategy for Primary Home
Replies: 15
Views: 749

Re: Down Payment Strategy for Primary Home

Sell your aft-tax 135k now. It is still a paper value until you sell. Next year who know the 135k will become what. sell all of them and put in a CD. Done.
by WhiteMaxima
Tue Jan 28, 2020 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 401
Views: 33137

Re: JPM Chase Reserve Card gets more expensive

https://thepointsguy.com/news/significant-changes-confirmed-for-chases-sapphire-reserve-card/ Annual fee changes from $450 to $550. Effective Jan 12, 2020 for new sign ups. For renewals after April 1, 2020. $300 Travel Credit unchanged Free DoorPash (Doordash) for 2 years. $60 Dash Credit in 2020, ...