Search found 367 matches

by WhiteMaxima
Tue Oct 17, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 86
Views: 4664

Re: How many miles/years do you keep your car?

i will keep my car run forever.
by WhiteMaxima
Tue Oct 17, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5185

Re: What do you buy in Asian food stores?

VictoriaF wrote:
Tue Oct 17, 2017 1:35 pm
WhiteMaxima wrote:
Tue Oct 17, 2017 12:02 pm
Have you ever try thousand year old duck eggs and stinky tufo? Once you pass these taste, you are a truly asian food lover.
Did you mean "tufo" or "tofu"?

My attitude to food is not love; it's a mix of health and adventure.

Victoria
i am sorry. It should be tofu.
by WhiteMaxima
Tue Oct 17, 2017 12:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 63
Views: 5445

Re: Vanguard expects "decent sized correction" soon

It is like a high pressure cooker, the reading is very high. It is all about when and how. I have no doubt.
by WhiteMaxima
Tue Oct 17, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another 529 superfund question
Replies: 5
Views: 495

Re: Yet another 529 superfund question

Super fund at one point is very risky. What if the fund lost 20% the next day you put money in. If I were you, I will put in FDIC insured option 1st and slowly DCA into 80/20. Once the kid grow to 16 17, change it to 20/80.
by WhiteMaxima
Tue Oct 17, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5185

Re: What do you buy in Asian food stores?

I wanted to buy some natto, Japanese fermented soybeans. You sure you like to try natto? Supposed to mix with rice and eat. Just like westerns like blue cheese. These stick soybean will bring very interesting flavor to your taste. I have very simple taste and I can eat anything. I became interested...
by WhiteMaxima
Mon Oct 16, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 11962

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

If crush will come, it will come at quick for no reason. What does full value mean? I do think it' god time to take some profit now.
by WhiteMaxima
Mon Oct 16, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5185

Re: What do you buy in Asian food stores?

I wanted to buy some natto, Japanese fermented soybeans. I found a few local Asian food stores and visited them in search for natto. The last and the biggest one had what I was looking for. But before that, I explored a Vietnamese supermarket. They had bunches of many different leafy greens, but wh...
by WhiteMaxima
Sat Oct 14, 2017 1:40 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11633

Re: 100% in bond to wait for market crash?

Bond might crash also if FED reduce balance sheet and raise short term inerest rate. I would put in a short term bond or FDIC insured CD for the moment and watch. I am now 50/50.
by WhiteMaxima
Fri Oct 13, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 29
Views: 2242

Re: Outback Vs Forester Vs CR-V ??

Engine problem, transmission problem. I would avoid any car has these problems.
by WhiteMaxima
Fri Oct 13, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 29
Views: 2242

Re: Outback Vs Forester Vs CR-V ??

Oil burning is not good. CVT has longitivity issue. SUV CG is too high and easy to roll off. As a boglehead, I will just go for a Honda Civic hatchback with 6MT. Drive it 200k and sell it.
by WhiteMaxima
Fri Oct 13, 2017 12:01 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 11962

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

I already moved 50% into stable value fund. Would rather forgo 10% gain than -20% loss.
by WhiteMaxima
Thu Oct 12, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Need help investing $1M in today's market
Replies: 24
Views: 3718

Re: Need help investing $1M in today's market

One way to do is to pay cash for your next house, open a line of credit and DCA from your home equity into Total stock market. This way: 1) you earn 4% tax free from your cash. 2) you can use low interest loan to DCA into stock market.
by WhiteMaxima
Thu Oct 12, 2017 3:23 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Non-US Valuations Look Attractive
Replies: 73
Views: 6776

Re: Larry Swedroe: Non-US Valuations Look Attractive

Actually, a large % of US company revenue is from internationally. So even if you are 100% in US stock, you still have exposure to Intl market.
by WhiteMaxima
Thu Oct 12, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Reallocate 529 AA
Replies: 4
Views: 154

Re: Reallocate 529 AA

I won't pay kid's post-graduate school education. They will need to earn or borrow to go graduate school. Besides, I am doing mega aft-tax 401k to fund my Roth with no money left for 529. Glad I opened 529 when kids were born. Now I don't have to worry about that expense.
by WhiteMaxima
Thu Oct 12, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Reallocate 529 AA
Replies: 4
Views: 154

Re: Reallocate 529 AA

I use to have one 529 account. I just added another one and move 50% there. I keep the new one in 20/80 to weather any market correction. 529 is hard to do 100% when you have just 18 years to invest. Hard to predict if next couple of years would have good return or even a bear market. Can't afford t...
by WhiteMaxima
Thu Oct 12, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Reallocate 529 AA
Replies: 4
Views: 154

Reallocate 529 AA

Just reallocated 50% of my Utah 529 to 20/80 Stock/Bond AA. The bull market reward us pretty well during last 10 years. One of my 17 year old is going to university next year. Think it's the perfect time to move away form 100% to 20/80. My second kid still have 10 more years to go, I left 1/2 in 100...
by WhiteMaxima
Thu Oct 12, 2017 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Too old to invest at 70+ years?
Replies: 32
Views: 2403

Re: Too old to invest at 70+ years?

It's very too late to invest. Consider this as your family money, You can pass along to your heir.
by WhiteMaxima
Thu Oct 12, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Need help investing $1M in today's market
Replies: 24
Views: 3718

Re: Need help investing $1M in today's market

put the cash in a laddered CD, take a breath, don't make impulsive purchase of anything (even stocks). The stock is expensive if not too bubbly. I know it is hard to hold cash watching the inflation gradually eat away the purchase power. But market correction could wipe off 10 to 20 % of your 1.0 mi...
by WhiteMaxima
Thu Oct 12, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 53
Views: 4925

Re: 2018 Honda Accord

2.0L turbo should be capable. Even Audi Q5 SUV has a 2.0L tsi engine considering the weight and AWD system. Style depend on person. I would think even 1.5L turbo is good enough for the FWD Accord considering the weight savings. My only dislike is the price increase. Actually, the new Civic doesn't l...
by WhiteMaxima
Tue Oct 10, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 53
Views: 4925

Re: 2018 Honda Accord

How is the 2018 Accord compared with theh outgoing 2017 Accord?
by WhiteMaxima
Tue Oct 10, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11633

Re: 100% in bond to wait for market crash?

Why do you thing Bond won't crash? If the company (or even a country) is bankrupt, the bond will lose value. Bond has bubble also because of low interest.
by WhiteMaxima
Tue Oct 10, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: 2017 Honda Accord Hybrid EX-L???
Replies: 15
Views: 992

Re: 2017 Honda Accord Hybrid EX-L???

If you dont neet it, don't buy. car is a consumption item. Even you get 22% off MSRP, once it drive off the dealer lot, it already loss 20% of MSRP value. Plus tax and fees. Wait until your old die then buy.
by WhiteMaxima
Tue Oct 10, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: How big a portfolio should I have before retiring?
Replies: 52
Views: 6786

Re: How big a portfolio should I have before retiring?

You need at least 1,000,0000 X your annual expense before retiring. That's what W Buffet has now and he is still not retiring.
by WhiteMaxima
Fri Oct 06, 2017 3:15 pm
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8055

Re: I'm thinking about cashing completely out of equites....

I moved 50% into cash. Would forgo 10% potential gain instead of 20~ 30 % potential loss. Once the music stops, everyone rush out. You know ETFs, index fund, at panic, all will be dumped. I am now sitting down and worry free. I still have 50% there, so if market continous, I will still get 50% of th...
by WhiteMaxima
Thu Oct 05, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 9694

Re: Current Bull Market could last years

Though I am encouraging market timing, I will still take some profit and sit it aside.
by WhiteMaxima
Thu Sep 28, 2017 12:56 pm
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 192
Views: 12802

Re: Why do you LBYM? Why do you save and invest?

I would go to Costco to buy a $4.99 roast chicken and add gas. Beat that McDonald $4 20 pieces chicken nugget.
by WhiteMaxima
Thu Sep 28, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Lost my job and looking for advice on next steps
Replies: 43
Views: 5193

Re: Lost my job and looking for advice on next steps

Roth conversion, did you hear me? pay zero tax until RMD. You can retire now.
by WhiteMaxima
Tue Sep 26, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10996

Re: The Rolex and The Boglehead

Money suppose to serve boglehead not the other way. If a Rolex makes you happy and not broke your bank, just do it.
by WhiteMaxima
Fri Sep 22, 2017 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: $3.6 million at age 25 - need investment advice
Replies: 44
Views: 5360

Re: $3.6 million at age 25 - need investment advice

continue your trade until you pass b gates.
by WhiteMaxima
Fri Sep 22, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 48
Views: 4470

Re: IOS 11: Anybody using it yet?

Loaded to my iPhone SE. Very fast and smooth. Like it.
by WhiteMaxima
Fri Sep 22, 2017 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: What are the benefits of rolling over after tax 401k to a Roth IRA?
Replies: 10
Views: 640

Re: What are the benefits of rolling over after tax 401k to a Roth IRA?

More fund choice. no RMD. early withdraw with now penalty (5 years if you keep). in plan rollover to Roth (if you company allows). then it will be tax free growth. basically, it is a mega Roth (up to $54000 per year).
by WhiteMaxima
Fri Sep 22, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Luxury Car Purchase
Replies: 47
Views: 3651

Re: Luxury Car Purchase

Go for it. Life is too short. But you have to hire a white glove private driver too. That will cost money. As far as I knew, no RR owner drive RR himself. Also you might need to hire a door man to open the RR for you.
by WhiteMaxima
Thu Sep 21, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24019

Re: I won the Lottery. Need sound advice.

Pay off all loans. Stop buying lottery tickets. Max 401k, Roth, HSA 529. LBYM.
by WhiteMaxima
Wed Sep 20, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 25209

Re: Calling out the not so rich bogleheads

Study found that when money reaches to certain level, people happiness will not increase as proportion as wealth. You can ask W Buffett he is million more happy than you or not. So consider youself be rich and be happy even your net is less than a million. You can ask Mr, Billionaire if he could liv...
by WhiteMaxima
Wed Sep 20, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: New to Investing. 450k cash
Replies: 33
Views: 3109

Re: New to Investing. 450k cash

pay down your mortgage. 450k is too much to invest in lump sum. Open a line of credit (450k I assume) upon your house. DCA $xxx a month to put into index fund or just BRKB (no tax until you sell). If market crush 50% (if 2008 happens again), pull remaining line credit and lump sum it.
by WhiteMaxima
Tue Sep 19, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - In Taxable Account
Replies: 13
Views: 1021

Re: Rebalancing - In Taxable Account

Just leave it there as is. Reinvest the dividend to a tax managed fund or an tax efficient ETF. Vanguard and turbo-tax program will figure out your tax owed each year. Since you are not selling the fund, there would be complicity of capital gain tax.
by WhiteMaxima
Mon Sep 18, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20094

Re: Iphone X is $1000

What iphone X can do what my iphone 5SE can't?
by WhiteMaxima
Fri Sep 15, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Bond return negative. CD or money market alternative.
Replies: 30
Views: 3211

Re: Bond return negative. CD or money market alternative.

BOND: YTD 2,5% , 1Year -0,33%, 3 Year 2,5%. Barely beat inflation.
by WhiteMaxima
Fri Sep 15, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Bond return negative. CD or money market alternative.
Replies: 30
Views: 3211

Re: Bond return negative. CD or money market alternative.

Bond fund return almost zero minus fee and tax. A dividend paying equity fund looks more better still though PE is high. Unless there recession is imminent, equity fund is still better place to be.
by WhiteMaxima
Fri Sep 15, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Bond return negative. CD or money market alternative.
Replies: 30
Views: 3211

Bond return negative. CD or money market alternative.

This year bond fund return is almost zero. Equity is 16%. Could CD and money market replace bond in this environment? Or even high yield bond?
by WhiteMaxima
Thu Sep 14, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20094

Re: Iphone X is $1000

If I will get a $1000 iphoneX, I would also get 10 shares of AAPL know dividend will pay for it during my ownership of the iphoneX. Hopefully, 10 shares of AAPL will appreciate afterwards.
by WhiteMaxima
Thu Sep 14, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Having mortgage during retirement. Max retirement saving now
Replies: 19
Views: 1754

Having mortgage during retirement. Max retirement saving now

Is there any pros and cons to max retirement saving now and have a mortgage during retirement? I understand paying off mortgage is most common among BH.
by WhiteMaxima
Tue Sep 12, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Driving a car [in] Italy, any suggestion?
Replies: 47
Views: 3155

Re: Driving a car [in] Italy, any suggestion?

I bought my Garmin used from CL. I forgot to change the preference (original is avoid toll). Driving from Roma airport to Florence through Tascany country road. Best ever mistake I ever made during this trip: I saw real Tascany. I like Sienna better than Florence. Drive all way north to Vience. On w...
by WhiteMaxima
Tue Sep 12, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Driving a car [in] Italy, any suggestion?
Replies: 47
Views: 3155

Re: Driving a car [in] Italy, any suggestion?

I am back. Driving large car (citron C4) in Italy city and country. No big deal.
by WhiteMaxima
Fri Sep 01, 2017 3:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3959
Views: 1052634

Re: U.S. stocks in freefall

from long term point of view,because of GDP and earning growth, the US stock will go up. It might need take a break. So I won't bet selling US short. I might not take a 100/0 approach, but believe me, I will always 50% or more long in the US. the rest 50% depend market value. At today's interest rat...
by WhiteMaxima
Fri Sep 01, 2017 2:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3959
Views: 1052634

Re: U.S. stocks in freefall

i am 50/50 in equity/cash. free fall, who cares?
by WhiteMaxima
Tue Aug 29, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Driving a car [in] Italy, any suggestion?
Replies: 47
Views: 3155

Re: Driving a car Italy, any suggestion?

Watch out, some cities completely ban traffic except to locals. I recall Parma and Orvieto being this way. We were clueless because we couldn't read the signs! I don't think we got any tickets, but we did get some stern warnings. What I suppose to do when I see the red circle. Park the car outside ...
by WhiteMaxima
Tue Aug 29, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Concerns about under/over funding 529
Replies: 16
Views: 1421

Re: Concerns about under/over funding 529

Don't over fund 529. It is tax free for education purpose. Education can always financed but your retirement can't. If I have choice, I would mega fund aft-tax then do Roth conversion. Roth can be used as education of you are short funded.
by WhiteMaxima
Tue Aug 29, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Driving a car [in] Italy, any suggestion?
Replies: 47
Views: 3155

Re: Driving a car Italy, any suggestion?

Thanks for all replies. I got a Garmin GPS with Europe map. IDP from AAA. Will pay attention with ZDL (the red cycle). Get car from airport and direct to north (skip Rome). Return car to Rome and take shuttle to city center.