Search found 1063 matches

by WhiteMaxima
Fri Jun 15, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3838

Re: Apple MacBook Air On Sale $699

Embarrassing that Apple still even sells that model as a current model and even more embarrassing that people still buy it. Same with their Mac Mini/Pro. As noted above, I have a MacBook Air bought last year and I'm not in the least embarrassed. And my background is technical/engineering so I was u...
by WhiteMaxima
Fri Jun 15, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3838

Re: Apple MacBook Air On Sale $699

I use Macbook 13" for streaming music, I use USB DAC for better sound. The MAC build in DAC is already very good. If I would like Apple to include a top 32bit DAC, the Macbook price could be tripled. The purpose of Laptop is mobility. A solid chassis and virus proof Mac suit my needs very well.
by WhiteMaxima
Fri Jun 15, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3838

Re: Apple MacBook Air On Sale $699

Wintel PC and MAC hardware tech already reached peak 4 years ago. PC sales growth is negative for years . New tech is Cloud, AI plus Mobile. Apple just released OS12. So the 4 years old MacBook may have new life with new OS.
by WhiteMaxima
Fri Jun 15, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Question for those who used 529 plans
Replies: 46
Views: 2286

Re: Question for those who used 529 plans

I don't own bond in 529, it is same risky as equity. I have guaranteed (very low interest). But I feel comfortable when tuition bill comes and money is there.
by WhiteMaxima
Fri Jun 15, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3838

Re: Apple MacBook Air On Sale $699

the only laptops I would own is Apple or Lenovo (IBM) Thinkpad.
by WhiteMaxima
Fri Jun 15, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3838

Re: Apple MacBook Air On Sale $699

The sale is over. Price back to $999.
by WhiteMaxima
Fri Jun 15, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Question for those who used 529 plans
Replies: 46
Views: 2286

Re: Question for those who used 529 plans

I switched my daughter from 100% equity to 50% cash and 50% equity. She is attending university this year. So I would like to lock half of the gain. 18 years of investment, I have experience two recessions and multiple bear market. I never sell anything until this year. I keep another 50% in equity ...
by WhiteMaxima
Fri Jun 15, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3838

Re: Apple MacBook Air On Sale $699

Don't forget the $50 education discount. Final price $650. It is the lowest price Apple laptop based on intel i5 processor. It is not top performer but more than enough for daily use. Ideal for student. Solid build. Highly recommend it. I would save $400 and buy 2 share of AAPL. I will replace compu...
by WhiteMaxima
Fri Jun 15, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 66
Views: 4948

Re: can we afford to spend $20K on travel annually

Travel, yes definitely. You have one life to live, enjoy traveling.
by WhiteMaxima
Thu Jun 14, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Why is the cost of renting private rooms in San Francisco Bay Area so cheap?
Replies: 23
Views: 2907

Re: Why is the cost of renting private rooms in San Francisco Bay Area so cheap?

You have to share kitchen and living room. Sort TV series Friends kind of living.
by WhiteMaxima
Thu Jun 14, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Why is the cost of renting private rooms in San Francisco Bay Area so cheap?
Replies: 23
Views: 2907

Re: Why is the cost of renting private rooms in San Francisco Bay Area so cheap?

The reason is house in SF is so expensive so that the owner would sacrifice privacy in return to cover some of the expense. In the middle of US, not many people would like to let a room. People want their space. In SF, it is too expensive to own your own space. You have to let part of it. There are ...
by WhiteMaxima
Thu Jun 14, 2018 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Living on Your Investments? What Happens When a Bear Market Hits?
Replies: 53
Views: 7385

Re: Living on Your Investments? What Happens When a Bear Market Hits?

Bear market. It is a very rear opportunity to load equities. If you capture one bear market, you will have enough. Two, you are doing well. Three, you are doing very well. If you can capture four bear markets, you will be super wealthy. I see bear market good buying opportunity. Live well below mean...
by WhiteMaxima
Wed Jun 13, 2018 3:55 pm
Forum: Investing - Theory, News & General
Topic: Schwab's market predictions next 10 years
Replies: 20
Views: 2626

Re: Schwab's market predictions next 10 years

For people still in accumulate stage, isn't it nice the train move slower so they could catch on? For people already accumulate enough, a slow train doesn't matter at all.
by WhiteMaxima
Wed Jun 13, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 434
Views: 97158

Re: Anyone regret paying off mortgage early?

I regret pay off 4.5% mortgage. I should have invested in Total Stock Index to get the 11% return . BTW, the 4.5% effective rate for me is 4% after the mortgage tax deduction. Even during the 2008 crisis with every equity 40% off, if you stay in course for 2 more years, you will still ahead of payi...
by WhiteMaxima
Wed Jun 13, 2018 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Any problem opening fund "Investor", then building to "Admiral"?
Replies: 25
Views: 1535

Re: Any problem opening fund "Investor", then building to "Admiral"?

Not just fees. The admiral fund is behaved like an ETF with minimal trade. So lower you cap gain tax. You should build on Admiral fund if money allows.
by WhiteMaxima
Wed Jun 13, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 434
Views: 97158

Re: Anyone regret paying off mortgage early?

I regret pay off 4.5% mortgage. I should have invested in Total Stock Index to get the 11% return . BTW, the 4.5% effective rate for me is 4% after the mortgage tax deduction. Even during the 2008 crisis with every equity 40% off, if you stay in course for 2 more years, you will still ahead of payin...
by WhiteMaxima
Wed Jun 13, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 52
Views: 4487

Re: Living Abroad - Who's done it?

World is big and wonderful. Sell everything and enjoy traveling. You can save a lot of money too.
by WhiteMaxima
Tue Jun 12, 2018 9:46 pm
Forum: Investing - Theory, News & General
Topic: Do Small Caps Outperform?
Replies: 61
Views: 3781

Re: Do Small Caps Outperform?

In my 401k, I tilt toward Russel2000.
by WhiteMaxima
Tue Jun 12, 2018 6:06 pm
Forum: Investing - Theory, News & General
Topic: Is Vanguard Small Cap Index really small cap?
Replies: 32
Views: 1807

Re: Is Vanguard Small Cap Index really small cap?

Vanguard Extend Market Index (a blend of mid and small cap)?
by WhiteMaxima
Tue Jun 12, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: Is Vanguard Small Cap Index really small cap?
Replies: 32
Views: 1807

Re: Is Vanguard Small Cap Index really small cap?

Over the years, small cap grow to mid cap and so do Vanguard small cap.
by WhiteMaxima
Tue Jun 12, 2018 4:09 pm
Forum: Investing - Theory, News & General
Topic: Do Small Caps Outperform?
Replies: 61
Views: 3781

Re: Do Small Caps Outperform?

Small cap do outperform.
by WhiteMaxima
Tue Jun 12, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Home equity as part of retirement asset
Replies: 24
Views: 1412

Re: Home equity as part of retirement asset

Home equity is locked in the house, need to free it and put int into hard work into economy. That's exactly the sort of jargon bank ads use to keep people in debt, cash-flow broke and making payments forever. No, the freed capital is not going to be consumed (car, vacation, house remodeling). The f...
by WhiteMaxima
Tue Jun 12, 2018 3:36 pm
Forum: Investing - Theory, News & General
Topic: Tilt tward small & mid capital for 1 to 2% more return
Replies: 13
Views: 947

Re: Tilt tward small & mid capital for 1 to 2% more return

Just plot VFIAX, VIMAX, and VSMAX on the same graph for various time periods in M* to see how Large, Mid, and Small Caps did relative to each other. Not hard to do. Then make your own decision on how to tilt... during last ten years, small beat large. mid doing similar as large. If I could do 1.2 m...
by WhiteMaxima
Tue Jun 12, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Home equity as part of retirement asset
Replies: 24
Views: 1412

Re: Home equity as part of retirement asset

We assume we will eventually move into Independent Living followed by Assisted Living. At that point we will sell our home and use the proceeds and save a lot annually on property taxes. Time in the market. Home equity is locked in the house, need to free it and put int into hard work into economy....
by WhiteMaxima
Tue Jun 12, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Home equity as part of retirement asset
Replies: 24
Views: 1412

Re: Home equity as part of retirement asset

My retirement plan is based on a 3.5% WR of net worth. If I own a home at retirement obviously home equity will be included as part of net worth but imputed rent will also be inclusive as an expense. This would make transitioning between home ownership and renting more seamless when looking at WR. ...
by WhiteMaxima
Tue Jun 12, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: Tilt tward small & mid capital for 1 to 2% more return
Replies: 13
Views: 947

Tilt tward small & mid capital for 1 to 2% more return

Let's say you will have 30 to 40 years to invest. Assume small mid cap has 1 to 2% premium above large cap and compound power theory holds.
by WhiteMaxima
Tue Jun 12, 2018 12:44 pm
Forum: Investing - Theory, News & General
Topic: Is Vanguard Small Cap Index really small cap?
Replies: 32
Views: 1807

Re: Is Vanguard Small Cap Index really small cap?

Vanguard Small Cap Tax managed fund. I like small cap index fund. Less covered. More growth potential.
by WhiteMaxima
Mon Jun 11, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 434
Views: 97158

Re: Anyone regret paying off mortgage early?

I regret paying off my 1st house too early. Didn't know my company allow aft-tax 401k up to IRS max 50kish. I miss the opportunity to mega Roth. Miss the bear and then bull run. Could triple my tax-free mega Roth.
by WhiteMaxima
Mon Jun 11, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for a prolonged bear market
Replies: 62
Views: 4965

Re: Strategy for a prolonged bear market

The only way to cope with bear is to wait out. stay in course and reduce living expenses. Room share, car share, moving to LCOL area to save. Typical economy is long bull and short bear. Equity rise slow during bull market (10-15% every year) and drop fast during bear (30-40% a year) We all being th...
by WhiteMaxima
Mon Jun 11, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Home equity as part of retirement asset
Replies: 24
Views: 1412

Re: Home equity as part of retirement asset

Most Americans has large % of net worth in their house equity. People are paying big % of income into housing expense which include principle and interest. Just wondering why not include the equity it in your retirement? If you include home equity as a retirement asset then you need to include the ...
by WhiteMaxima
Mon Jun 11, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Home equity as part of retirement asset
Replies: 24
Views: 1412

Re: Home equity as part of retirement asset

Say you have 1 mil in house equity but only 500k in retirement savings. When you retire, you are free to move away from job hub to a LCOL area (low property tax, low crime, low cost of living). Let's say you could buy a SFH with cash with 200k (it is still possible in most part of this country),you ...
by WhiteMaxima
Mon Jun 11, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Home equity as part of retirement asset
Replies: 24
Views: 1412

Home equity as part of retirement asset

Most Americans has large % of net worth in their house equity. People are paying big % of income into housing expense which include principle and interest. Just wondering why not include the equity it in your retirement?
by WhiteMaxima
Mon Jun 11, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Large inheritance -- looking for advice
Replies: 56
Views: 6474

Re: Large inheritance -- looking for advice

Pretend this never happen. Keep working till 50s or 60s. Put inheritance in low cost index fund. Reinvest RMD into index also. Have a will and estate plan.
by WhiteMaxima
Sun Jun 10, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Retire in 2 years at 55 - Can I do it
Replies: 26
Views: 3588

Re: Retire in 2 years at 55 - Can I do it

House paid off? Medical insurance covered from former employer. To be safe, work extra years more even part-time with medical insurance coverage.
by WhiteMaxima
Fri Jun 08, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Porsche Macan
Replies: 28
Views: 2977

Re: Porsche Macan

Audi Q5 3.0T instead. VW->Audi->Porsche.
by WhiteMaxima
Fri Jun 08, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive house in HCOL area
Replies: 70
Views: 6226

Re: Expensive house in HCOL area

I still don't see how one can "profit" from an increase in home value other than selling it. I'm sure they plan on selling their home eventually (average American moves 11 times in their life) and if the loans are not paid off by then they can use some of the proceeds from the house sale. If they d...
by WhiteMaxima
Fri Jun 08, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Expensive house in HCOL area
Replies: 70
Views: 6226

Re: Expensive house in HCOL area

You don't have to use HELC if you don't need it. A HELC is for things that's necessary: such as tuition, medical expense, etc. Many of earlier home owners in SF already has million in equity in house and could easily retire some LCOL area in the USA. Housing is very special depend where you buy. If ...
by WhiteMaxima
Fri Jun 08, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Investing or Paying Off The House
Replies: 14
Views: 1191

Re: Investing or Paying Off The House

Invest now. Using DCA method.
by WhiteMaxima
Fri Jun 08, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Expensive house in HCOL area
Replies: 70
Views: 6226

Re: Expensive house in HCOL area

Study shows in SF and SEA, people made more money from their home appreciation than their annual wages during last couple of years. Unless they up and left, they haven't made anything yet. nb: I'm living your statement and wondering about mine. They don't have to sell and leave, they can just HELC....
by WhiteMaxima
Thu Jun 07, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive house in HCOL area
Replies: 70
Views: 6226

Re: Expensive house in HCOL area

Buy the least expensive house in the most expensive area in your city. How about a burned down shell of a house in a mid-range neighborhood? https://www.mercurynews.com/2018/04/19/burned-shell-of-a-home-sells-for-more-than-900000-in-san-jose/ That's even better of it's priced under raw land value. ...
by WhiteMaxima
Thu Jun 07, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive house in HCOL area
Replies: 70
Views: 6226

Re: Expensive house in HCOL area

Buy the least expensive house in the most expensive area in your city.
by WhiteMaxima
Thu Jun 07, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive house in HCOL area
Replies: 70
Views: 6226

Re: Expensive house in HCOL area

Study shows in SF and SEA, people made more money from their home appreciation than their annual wages during last couple of years.
by WhiteMaxima
Wed Jun 06, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Expensive house in HCOL area
Replies: 70
Views: 6226

Re: Expensive house in HCOL area

Buy the cheapest house in a high priced desirable location. typically a short commute, low prime and good school district. Seattle is a desirable place to live and raise kids. Est side (I mean Kirkland, Bellevue or Samamish) is more desirable for a young family than Seattle city. Buy a place near fu...
by WhiteMaxima
Wed Jun 06, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Super funding 529
Replies: 13
Views: 1138

Re: Super funding 529

DCA vs Superfunding
by WhiteMaxima
Tue Jun 05, 2018 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 433
Views: 50117

Re: How much money do you want to retire?

I will retire whenever I want to retire (prefer before 55) . No particular amount of money target. I will adjust my lifestyle to 3% withdraw rate. I will move to LCOL area to meet that goal.
by WhiteMaxima
Tue Jun 05, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Downsize due to tax law change?
Replies: 31
Views: 1686

Re: Downsize due to tax law change?

For 300k house, $11000 property is way too high. Find out where your tax dollar goes.
by WhiteMaxima
Tue Jun 05, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Downsize due to tax law change?
Replies: 31
Views: 1686

Re: Downsize due to tax law change?

$11000 property tax? You could probably rent an Apt for $1000/month to save the property tax and use the mortgage saving for retirement saving.
by WhiteMaxima
Mon Jun 04, 2018 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Is it fine to have 100% of portfolio in VTSAX
Replies: 33
Views: 3104

Re: Is it fine to have 100% of portfolio in VTSAX

if you are not willing to pay dividend tax, buy BRKA/B in taxable account.
by WhiteMaxima
Mon Jun 04, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Is it fine to have 100% of portfolio in VTSAX
Replies: 33
Views: 3104

Re: Is it fine to have 100% of portfolio in VTSAX

If you want a single fund, you can just do a Vanguard balanced index admiral fund VBIAX (30/30/40 US/Int'l/Bond) or ETF. It will give you much smoother sail than VTSAX and will do automatic balanced for you. 10 year performance is 7.3% ER 0.07%. Compare VTSAX 9.3% ER 0.04%. The 100% stock is 2% ahea...