Search found 1369 matches

by WhiteMaxima
Tue Oct 16, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: International Fund Down - What to do?
Replies: 28
Views: 1105

Re: International Fund Down - What to do?

Reblane if it's tip off by 5% or even 10% off the target?
by WhiteMaxima
Tue Oct 16, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 310
Views: 32238

Re: U.S. stocks continue to soar!

market up and down sometimes for no reason. So do nothing and stay in course.
by WhiteMaxima
Tue Oct 16, 2018 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Adding significant contribution to grandson's Utah 529
Replies: 5
Views: 264

Re: Adding significant contribution to grandson's Utah 529

You can gift $70000 per grand parent (5 year) to a 529 plan. Utah (vanguard) has static fund plan or aged based. I like the static one because of low fee and better control of AA. You have 10 years to let it grow. Not very long horizon. 60/40 (40US/20intl/40bond) or 70/30 (40US/30Intl/30bond) balanc...
by WhiteMaxima
Tue Oct 16, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: $50,000: Should I buy now or wait for the market to drop further?
Replies: 39
Views: 5306

Re: $50,000: Should I buy now or wait for the market to drop further?

DCA into a balanced index fund. yes you will only get average return, probably 4~5% long term. But It will be a much smooth ride.
by WhiteMaxima
Mon Oct 15, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 88
Views: 5631

Re: When to stop putting money into an older vehicle

Simple. Assume your cost of operate a new vehicle is $0.1. Then calculate your break even miles when investment in repair used car. lets's say you repair cost is $100. So divide $100/$0.1=1000 miles. This is your break even point. If your number doesn't cover this cost, then time to move on.
by WhiteMaxima
Sun Oct 14, 2018 1:02 am
Forum: Investing - Theory, News & General
Topic: Using 529 as a retirement account instead of taxable?
Replies: 4
Views: 688

Re: Using 529 as a retirement account instead of taxable?

You can retired and continue as a college student. Sell all you belonging and live in the dorm. Use 529 to pay room and board tax free. Actually, I was thinking study history major in one of the EU university (very low cost tuition). Learning new things is import for old age retiree.
by WhiteMaxima
Fri Oct 12, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 71
Views: 9376

Re: Short Term Bond yield over 3%

Excellent. Am looking forward to 3.5%.
by WhiteMaxima
Fri Oct 12, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: Does it make sense to consider that stocks are 'on sale' when there's a correction?
Replies: 84
Views: 4214

Re: Does it make sense to consider that stocks are 'on sale' when there's a correction?

No I don't think so. Buying stock after correction just means you can buy stock for fair price. People are overpaying stock , real estate at 0% interest environment. Once the fed start get interest to normal (as W Buffett said the tide down, you will see who is swimming naked), the stock will come d...
by WhiteMaxima
Fri Oct 12, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 66
Views: 5952

Re: Just Divorced -- Need Help

the 0% credit card is just delay of debt payment, it won't solve your debt problem. Actually 0% will worsen people's debt situation. The only way is to out of debt quickly by cutting spending or even get a 2nd job.
by WhiteMaxima
Fri Oct 12, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Relaxing in America during this current market drop
Replies: 20
Views: 4116

Re: Relaxing in America during this current market drop

I don't think people should take this dip too easily, it could be the prelude of big correction. Interest rate is going up. If you are too heavy in high PE stocks (The FANG), then you should dial down a bit.
by WhiteMaxima
Fri Oct 12, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: over 55k in 401k with profit-sharing...
Replies: 14
Views: 559

Re: over 55k in 401k with profit-sharing...

Because your wage is fixed and profit sharing is a variable. If you put certain % of you wage into 401k. What if you profit is huge (let's say 55K), then your whole year DCA will be null and no match. Normally profit share has no company match.
by WhiteMaxima
Fri Oct 12, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 66
Views: 5952

Re: Just Divorced -- Need Help

pay down your debt 1st even you have to eat cat food. once you debt become zero, your credit score will be high again.
by WhiteMaxima
Fri Oct 12, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: over 55k in 401k with profit-sharing...
Replies: 14
Views: 559

Re: over 55k in 401k with profit-sharing...

i strongly against put profit sharing into 401k. if you over 55k, you are going to miss the company match. because employer will stop the match if your over 55k irs limit.
by WhiteMaxima
Thu Oct 11, 2018 6:59 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 71
Views: 9376

Re: Short Term Bond yield over 3%

cool. I pull all my equity into 3% bond. what' the credit rating of these bonds. AAA? or BB+
by WhiteMaxima
Thu Oct 11, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7080

Re: My life saved by New subaru. Almost died.

FiveSixAce wrote:
Thu Oct 11, 2018 3:01 pm
A few years ago I asked my friend, a vehicular homicide detective, what the safest cars out there were. He told me to get the heaviest vehicle I could afford, and the laws of physics were the best safety feature.
Agree. Mercury Grand Marquis? 8-)
by WhiteMaxima
Thu Oct 11, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 41
Views: 2388

Re: What would you do with some bulk silver?

I have collection of pure silver audio wires. They makes me happy when I listening to music through them.
by WhiteMaxima
Thu Oct 11, 2018 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 108
Views: 7452

Re: What did you buy today

Nothing. Even with the 8% total drop. Stock is still over priced.
by WhiteMaxima
Thu Oct 11, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Feeling Guilt among family/peers
Replies: 42
Views: 5131

Re: Feeling Guilt among family/peers

You live your own life. You don't owe to other people. Why feel guilty?
by WhiteMaxima
Thu Oct 11, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7080

Re: My life saved by New subaru. Almost died.

Thanks for sharing. I will forward to my DW. She is thinking about a Porsche Macan. I suggested her a loaded Subaru Outback at 1/2 of the price of a base Macan.
by WhiteMaxima
Thu Oct 11, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3345

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

Will buy a used car as my daughter's 1st car. Find a Mazda3 hatchback with low mileage. test drove it. very dynamic in handling. She will drive it on snow. Just wondering if a Mazda with snow tire or should I looking for a Subaru with All Season or snow tire. what color is the M3?The M3 is really a...
by WhiteMaxima
Wed Oct 10, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 70
Views: 5773

Re: Black Friday is coming.. what's on your list?

A Wolf gas cooking range. Saving money by cooking healthy food at home.
by WhiteMaxima
Wed Oct 10, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7364
Views: 1546189

Re: U.S. stocks in freefall

Don't worry, be happy.
by WhiteMaxima
Wed Oct 10, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: Any natural hedges to stocks?
Replies: 17
Views: 1647

Re: Any natural hedges to stocks?

CDs, cash. keep in mind cash is another form of asset class. When fed tight the balance sheet and raise the interest, cash (US$) becomes a hot commodity.
by WhiteMaxima
Wed Oct 10, 2018 5:30 pm
Forum: Investing - Theory, News & General
Topic: Any natural hedges to stocks?
Replies: 17
Views: 1647

Re: Any natural hedges to stocks?

CDs, cash.
by WhiteMaxima
Wed Oct 10, 2018 3:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7364
Views: 1546189

Re: U.S. stocks in freefall

remember most 10% correction or 20% more crash won't be completed in one day. So a 3% drop might be the prelude of big market correction. The stock won'r always go up, it can go down a lot. If you invest too aggressive, you need to turn down a bit.
by WhiteMaxima
Wed Oct 10, 2018 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of the current correction
Replies: 28
Views: 3527

Re: Taking advantage of the current correction

correction is a drop 10% or more. 3% is barely noise.
by WhiteMaxima
Wed Oct 10, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7364
Views: 1546189

Re: U.S. stocks in freefall

3% of drop? It's barely a noise.
by WhiteMaxima
Wed Oct 10, 2018 2:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7364
Views: 1546189

Re: U.S. stocks in freefall

Mlm wrote:
Wed Oct 10, 2018 2:46 pm
It could be worse
the rain must drop then you will see blue sky. You can sense the coming rain by just the smell of air.
by WhiteMaxima
Wed Oct 10, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3345

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

Bought the zoom zoom today. Take a drive, very agile FWD hatchback. Wind and tire noise is a bit high. I like the little sporty Mazda3. Come from SUV, now really appreciate the small sedan. Quick and dynamic. Will get a set of snow tire for snow season. good choice! I do chuckle when I see that nob...
by WhiteMaxima
Wed Oct 10, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7364
Views: 1546189

Re: U.S. stocks in freefall

I am more confident with DCA. Any drop means I buy more share with same amount of $.
by WhiteMaxima
Wed Oct 10, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for a friend in her nineties
Replies: 22
Views: 1839

Re: Investment advice for a friend in her nineties

Tell her the money he spend is the money she earned.
by WhiteMaxima
Wed Oct 10, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7364
Views: 1546189

Re: U.S. stocks in freefall

m@ver1ck wrote:
Wed Oct 10, 2018 12:38 pm
Time to start up the Mega-BackDoor IRA contribution. Need to invest 27K through the end of the year. Hopefully, market continues to be down.
I already setup mega Roth through DCA. No need to time the market. guess what? I am still positive this year.
by WhiteMaxima
Wed Oct 10, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon (LV) - is $80 ticket price for Sky Walk worth it
Replies: 14
Views: 1334

Re: Grand Canyon (LV) - is $80 ticket price for Sky Walk worth it

just take free walk along the rim, or hiking down. It's included in your park ticket.
by WhiteMaxima
Wed Oct 10, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7364
Views: 1546189

Re: U.S. stocks in freefall

I should remind everyone stay calm. If you invest too aggressive, then you should reconsider your AA. Otherwise, stay in course.
by WhiteMaxima
Wed Oct 10, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3249

Re: Best headphones under 500 bucks

I've owned a lot of different headphones over the years. If you are focused on sound quality don't buy any headphones from Bose. Bose is a marketing company, not an audio company. Sennheiser are excellent for the money and offer a variety of price points. I've had a half dozen of their models over ...
by WhiteMaxima
Wed Oct 10, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Kid already in 9th grade, too late to start 529?
Replies: 14
Views: 1662

Re: Kid already in 9th grade, too late to start 529?

Think long term. The 529 also serves as your estate. It could be used as education for your children's children.
by WhiteMaxima
Wed Oct 10, 2018 10:43 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7364
Views: 1546189

Re: U.S. stocks in freefall

From long term perspective, any investor should stay in course in a well diversified folio.
by WhiteMaxima
Wed Oct 10, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3345

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

Was looking for a 6MT for my daughter. More control of vehicle. The 5AT is ok. The car is really really fun to drive. Very engaged to the road although a a lot noise from the road.
by WhiteMaxima
Wed Oct 10, 2018 1:48 am
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3345

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

Bought the zoom zoom today. Take a drive, very agile FWD hatchback. Wind and tire noise is a bit high. I like the little sporty Mazda3. Come from SUV, now really appreciate the small sedan. Quick and dynamic. Will get a set of snow tire for snow season.
by WhiteMaxima
Tue Oct 09, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3345

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

RootSki wrote:
Tue Oct 09, 2018 5:16 pm
Subie.
Hi reliable of Subie now? Box engine still burn oil?
by WhiteMaxima
Tue Oct 09, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3345

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

quantAndHold wrote:
Tue Oct 09, 2018 4:09 pm
For a FIRST car? Get the slower one, not the zoom zoom one. Add snow tires as necessary.
A Mercury Grand Marquis :D
by WhiteMaxima
Tue Oct 09, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 18
Views: 1682

Re: Fidelity or Vanguard

A Toyota or a Honda?
by WhiteMaxima
Tue Oct 09, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3345

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

Is Subaru more fun to drive than a Mazda3?
by WhiteMaxima
Tue Oct 09, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3345

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

I will get the Zoom Zoom plus a set of spare snow tire.
by WhiteMaxima
Tue Oct 09, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3345

Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

Will buy a used car as my daughter's 1st car. Find a Mazda3 hatchback with low mileage. test drove it. very dynamic in handling. She will drive it on snow. Just wondering if a Mazda with snow tire or should I looking for a Subaru with All Season or snow tire.
by WhiteMaxima
Tue Oct 09, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3249

Re: Best headphones under 500 bucks

Massdrop Sennheiser HD6XX. rebadged HD650. $200. rest of $300. get a tube earphone amp: Little Dot MK3.
by WhiteMaxima
Mon Oct 08, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: pension vs lump sum payment
Replies: 12
Views: 979

pension vs lump sum payment

my company is offering retiree options lump sum or pensions. is there a worksheet to calculate the total payment bases on different assumptions (interest rate, life expectancy, rate of equity return, etc )?
by WhiteMaxima
Mon Oct 08, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: Biggest bubble in the history of mankind(?) Is it time to sell?
Replies: 40
Views: 3785

Re: Biggest bubble in the history of mankind(?) Is it time to sell?

QE, real negative interest for the past 10 years. That;s why we have to pay attention to Fed.
by WhiteMaxima
Mon Oct 08, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Sell 5-10% of equities to re-balance into bonds?
Replies: 14
Views: 1034

Re: Sell 5-10% of equities to re-balance into bonds?

Bond is more stable than equity. Good move.