Search found 1814 matches

by WhiteMaxima
Sun May 26, 2019 4:04 am
Forum: Personal Consumer Issues
Topic: Any audiophiles on this forum?
Replies: 31
Views: 2208

Re: Any audiophiles on this forum?

Tidal MQA-> iMac-USB-> OPPO 205DAC/SACD player-> XLR balanced Line-out-> Sennheiser HDVA600 AMP-> Sennheriser HD650

Oppp 105D SACD player/Tidal streamer > Kimber RCA-> Bryston 9B-ST 5 Channel ->Kimber 8TC cable -> 5x Thiel 2 2 speakers
by WhiteMaxima
Fri May 24, 2019 10:59 am
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 137
Views: 10792

Re: VTSAX or VTWAX over the next 35 years?

You can split AA into VTSAX/VTXUS/VTWAX (30/20/50). And history will tell after 35 years. All three are great funds.
by WhiteMaxima
Thu May 23, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145180

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

What' s the situation now? What about the 2019 model? Thinking about to get a CRV.
by WhiteMaxima
Wed May 22, 2019 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Do you think we can stop funding our 529 plan?
Replies: 41
Views: 2802

Re: Do you think we can stop funding our 529 plan?

If your state has tax incentive, you should take that into account. or you can do a Mega Roth (discussed in this forum before) if you think your kids not going to college.
by WhiteMaxima
Wed May 22, 2019 3:09 pm
Forum: Personal Consumer Issues
Topic: Do you have hardwood or tile in your kitchen?
Replies: 70
Views: 7407

Re: Do you have hardwood or tile in your kitchen?

Just redo the kitchen. removing all the vinyl floor and replace with hickory hardwood. Very pretty and warm to walk on the bare foot. Caution should be taken for dish washer or ice maker breakdown.
by WhiteMaxima
Wed May 22, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 5479

Re: Best small AWD to 'drive into the ground'

FWD 1 set of summer tyre + 1set or winter tyre > AWD In that case, get a Honda FWD CRV or HRV, or Toyota Small FWD SUV If you still want AWD, get a Subaru forest (you will still need a winter tire live you live in snow country) I'm not sure about that. My Subaru is pretty incredible at getting goin...
by WhiteMaxima
Wed May 22, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 5479

Re: Best small AWD to 'drive into the ground'

FWD 1 set of summer tyre + 1set or winter tyre > AWD

In that case, get a Honda FWD CRV or HRV, or Toyota Small FWD SUV

If you still want AWD, get a Subaru forest (you will still need a winter tire live you live in snow country)
by WhiteMaxima
Wed May 22, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: a week in Italy(first time)
Replies: 53
Views: 3910

Re: a week in Italy(first time)

Roma 2 days
Vience 1 day
Florence 2day, Sienna (1/2 day en route to Florence)
Amalfi coast 2 day (with car rental or bus tour)
by WhiteMaxima
Wed May 22, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Do you think we can stop funding our 529 plan?
Replies: 41
Views: 2802

Re: Do you think we can stop funding our 529 plan?

Fund your retirement 1st. It will have more time to grow. Then 529, college inflation in slight above general inflation. You would target 100K for each kid at today's dollar (4 year college 25k per year).
by WhiteMaxima
Wed May 22, 2019 10:36 am
Forum: Personal Investments
Topic: $400,000 gift to stepdaughter
Replies: 76
Views: 8534

Re: $400,000 gift to stepdaughter

let you stepdaughter open a Roth IRA. You will gift the 400K into her Roth every year. Also open a 529 for your step-grand and mega invest $100k now. She can use the 529 to further her education or for her future children.
by WhiteMaxima
Mon May 20, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: Essen Germany...what’s around ?
Replies: 12
Views: 635

Re: Essen Germany...what’s around ?

If you like biking. rent a bike ride along Rhein river would be a lot of fun and effortless. Stay on the west side of river. West side was part of Roma empire and est side is use to be barbaric place. the local told me so.
by WhiteMaxima
Mon May 20, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: Essen Germany...what’s around ?
Replies: 12
Views: 635

Re: Essen Germany...what’s around ?

Rent a car, drive along Rhein river from Koln to Bingen (Frankfurt Main). A lot a small town and castles along the river bank. Stop by Kobolenz in the middle and eat in garden at the two river joint park. Two or three days is barely enough.
by WhiteMaxima
Mon May 20, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Essen Germany...what’s around ?
Replies: 12
Views: 635

Re: Essen Germany...what’s around ?

Koln Alaaf, Kamelle, eine kolsch, swine knucle, goose leg.
by WhiteMaxima
Mon May 20, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: When to buy a vacation home
Replies: 26
Views: 2605

Re: When to buy a vacation home

There is no best time. Actually, one should never buy vacation home. Why not rent?
by WhiteMaxima
Fri May 17, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Arc'teryx - Anyone else here splurge?
Replies: 30
Views: 3930

Re: Arc'teryx - Anyone else here splurge?

BH only splurge Columbia
by WhiteMaxima
Fri May 17, 2019 6:17 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 137
Views: 10792

Re: VTSAX or VTWAX over the next 35 years?

If you're a U.S. investor, invested in a S&P 500 or Total Market U.S.index fund, half of your revenues already come from outside the U.S. So, you have an international fund, minus the risks (e.g. currency, sovereign, stability) and fees associated with investing in international funds. Works for me...
by WhiteMaxima
Fri May 17, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 47
Views: 3064

Re: Synthetic oil or not for very low mileage auto?

1999 Miata? It is a NA engine, probably require only 10W30 dino oil. There are many use high mileage oil because the gasket and valve seal are aging.
by WhiteMaxima
Fri May 17, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 47
Views: 3064

Re: Synthetic oil or not for very low mileage auto?

if you have a turbo DI engine, stay with synthetic with low NOACK (some kind of hi temp ash rate). Penzoil (shell) 0W30 european true synthetic. Wow, I had no idea there was anything like a turbo diesel Miata gas direct inject (GDI). Mazda name it skyactive. Mazda's plug-free homogenous charged gas...
by WhiteMaxima
Fri May 17, 2019 3:15 pm
Forum: Personal Investments
Topic: Best way to deploy $450,000 of IRA money right now
Replies: 30
Views: 1923

Re: Best way to deploy $450,000 of IRA money right now

LUMP sum into vanguard balance index fund. I believe it is (30/30/40). If by 30/30/40 you mean 30% in international equities, then no. Vanguard Balanced Index fund does not have any international equities. The LifeStrategy Moderate Growth fund has the closest makeup that you suggest; 35/25/40 Then ...
by WhiteMaxima
Fri May 17, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 47
Views: 3064

Re: Synthetic oil or not for very low mileage auto?

if you have a turbo DI engine, stay with synthetic with low NOACK (some kind of hi temp ash rate). Penzoil (shell) 0W30 european true synthetic.
by WhiteMaxima
Fri May 17, 2019 2:56 pm
Forum: Personal Investments
Topic: Best way to deploy $450,000 of IRA money right now
Replies: 30
Views: 1923

Re: Best way to deploy $450,000 of IRA money right now

LUMP sum into vanguard balance index fund. I believe it is (30/30/40).
by WhiteMaxima
Fri May 17, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Why do plumbers get paid so well?
Replies: 84
Views: 6152

Re: Why do plumbers get paid so well?

I spend an hr work last evening through my plugged kitchen plumbing system. Got a lot complimentary from my DW. get a reward of nice T-shirt. Saving us $450 based on quote from "discount plumber.
by WhiteMaxima
Fri May 17, 2019 1:24 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 137
Views: 10792

Re: VTSAX or VTWAX over the next 35 years?

WAX all the way. It will be two fund rather than three fund. One Wax one BND. We will see more emerging market to take more % of the global share. One WAX take them all.
by WhiteMaxima
Fri May 17, 2019 11:22 am
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 5395

Re: Guidance on choosing between UMich and Brown

Brown is at the bottom of ivy league
UM is at the top of State league

For undergradute, I would pick Brown.
For post-graduate, I would pick UM.
by WhiteMaxima
Thu May 16, 2019 11:19 am
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 126
Views: 7501

Re: Did you buy the 600+ dip last week ?

I did rebalance. Stick with same AA. So technically I bought after 600+dip. I like even number of AA. I am now 80/20.
by WhiteMaxima
Wed May 15, 2019 11:01 am
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 137
Views: 10792

Re: VTSAX or VTWAX over the next 35 years?

WAX all the way.
by WhiteMaxima
Wed May 15, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Cell Phone Plan/Carrier Recommendation?
Replies: 59
Views: 5836

Re: Cell Phone Plan/Carrier Recommendation?

if you are 55+, T-Mobile and Sprint $70 for two-line unlimited data.
by WhiteMaxima
Tue May 14, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: Driving in Lisbon Portugal?
Replies: 25
Views: 1276

Re: Driving in Lisbon Portugal?

Rent the smallest car avaivable. narrow street. No need car in City of Lisbon. But if you like to visit cape roco and sintra, you will need a car. The road in Sintra area is very narrow, only allow one car to pass. Parking is very tight. I suggest take bus. Paking is expensive. get a city pass and g...
by WhiteMaxima
Mon May 13, 2019 12:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10846
Views: 1893067

Re: U.S. stocks in free fall

Don't worry, be happy.
by WhiteMaxima
Wed May 08, 2019 1:37 pm
Forum: Personal Investments
Topic: VIG Versus VTI
Replies: 8
Views: 1031

Re: VIG Versus VTI

I like VIG a lot, esp in Roth. If a company never pays dividend to its shareholders, I won't want to own it. Of course, for tax reason, Warren Buffet's company never pays dividend. It's always reminds me a grey area when a company arrangement with IRS for tax purpose.
by WhiteMaxima
Wed May 08, 2019 1:24 pm
Forum: Personal Investments
Topic: Mega-Backdoor Roth (MBR) vs 529 for college
Replies: 13
Views: 883

Re: Mega-Backdoor Roth (MBR) vs 529 for college

The problem is, when money is in Roth, you don't want it to be out. if you can't fund 529, just let children borrow and you could help them to repay the loan. For me, I always separate 529 and retirement funding. I did 529 when kids were born and stop fund when the number reach 4 year public school....
by WhiteMaxima
Wed May 08, 2019 10:41 am
Forum: Personal Investments
Topic: Mega-Backdoor Roth (MBR) vs 529 for college
Replies: 13
Views: 883

Re: Mega-Backdoor Roth (MBR) vs 529 for college

depend if you still have more to contribute after you reach BDR limit.
by WhiteMaxima
Tue May 07, 2019 3:22 pm
Forum: Personal Investments
Topic: alternatives to 529 plans
Replies: 44
Views: 2110

Re: how much to invest in 529 plan

4 year cost of public university, let's say 100k per kid.
by WhiteMaxima
Tue May 07, 2019 2:52 pm
Forum: Investing - Theory, News & General
Topic: Is volatility good or bad?
Replies: 27
Views: 1266

Re: Is volatility good or bad?

Dollar Cost Average
by WhiteMaxima
Tue May 07, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 201
Views: 8637

Re: How do YOU make coffee?

Fresh press.
by WhiteMaxima
Tue May 07, 2019 2:03 pm
Forum: Personal Investments
Topic: Cheering for a crash
Replies: 25
Views: 1883

Re: Cheering for a crash

I did rebalanced today. Move some cash into equity. I am very bullish. What CD pays now, 2.5%? That's too low for me.
by WhiteMaxima
Mon May 06, 2019 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 27299

Re: 20 countries where 200K in retirement savings will last you decades

Among developed coutrires, US is the most expensive place. One reason is the labor cost. If have a plumbing clog, one call will cost you $200 to start, in many other countries, it will cost you no more than $50. That;s why immigrants are coming. Basic service from low end gardening, haircut to high ...
by WhiteMaxima
Fri May 03, 2019 6:26 pm
Forum: Investing - Theory, News & General
Topic: Short BYND? (beyond meat, IPO today)
Replies: 76
Views: 4552

Re: Short BYND? (beyond meat, IPO today)

I buy Non-GMO soy beans from Iowa farm. make soy milk and tofu, fry tofu, dipping with Kikoman soy source and make a delicious meal. No chemicals added to make it taste like burg.
by WhiteMaxima
Fri May 03, 2019 12:56 pm
Forum: Personal Investments
Topic: Should I go to a Fidelity Office to Set up Account?
Replies: 39
Views: 2628

Re: Should I go to a Fidelity Office to Set up Account?

You should. Have a cup of delicious coffee machine and fresh donut. Talk to a beautiful CR and open your 401k account. Invest in their Zero funds.
by WhiteMaxima
Fri May 03, 2019 12:43 pm
Forum: Investing - Theory, News & General
Topic: Short BYND? (beyond meat, IPO today)
Replies: 76
Views: 4552

Re: Short BYND? (beyond meat, IPO today)

You dont need to short BYND. Just make yourself a meatless dinner at home. Fresh salad, fried tofu burger, miso soup and wheat noodle. Taste delicious and good to right of animals and environment.
by WhiteMaxima
Thu May 02, 2019 5:09 pm
Forum: Investing - Theory, News & General
Topic: Three things you should never do with your investments
Replies: 13
Views: 2465

Re: Three things you should never do with your investments

Diversify diversify diversify (never 100% in any asset class)
Low cost (index, low fee)
Stay in course (DCA)
by WhiteMaxima
Thu May 02, 2019 5:07 pm
Forum: Investing - Theory, News & General
Topic: Short BYND? (beyond meat, IPO today)
Replies: 76
Views: 4552

Re: Short BYND? (beyond meat, IPO today)

I buy NGM soy beans from Iowa farms to make my own soy milks and tofu. Who cares about another vegan product company. BTW, I try to eat less meat and eat more more soy based protein.
by WhiteMaxima
Thu May 02, 2019 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: 1 stage or 2 stage refinance?
Replies: 31
Views: 2079

Re: 1 stage or 2 stage refinance?

FICO 625, It's very hard to get personal loan and even HELOC at this credit level. You debt to income ratio is too high. and your student loan interest on 400k is a no-forgiven debt burden even if you go for chapter 11. Credit card interest is typically double digit at 16-19%. You 100k CC debt will ...
by WhiteMaxima
Thu May 02, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Fun-ish Used Boglehead Car
Replies: 86
Views: 5336

Re: Fun-ish Used Boglehead Car

a barebone used VW Golf hatchback Gasoline version, 1.8T (2.0T) , 6MT.
or used Mazda 3 hatchback (Ford Focus), 2.5T, 6MT
by WhiteMaxima
Wed May 01, 2019 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 27299

Re: 20 countries where 200K in retirement savings will last you decades

It's great to fantasize about this, but please take it from someone that has lived overseas for multiple years and was a Navy brat growing up - there is no place as good as the USA. If i had to pick second place, it would be a highly developed country, ie something from the MSCI developed (not emer...
by WhiteMaxima
Wed May 01, 2019 11:06 am
Forum: Personal Investments
Topic: Ever Too Much in HSA?
Replies: 53
Views: 5024

Re: Ever Too Much in HSA?

Since I only have non-spouse beneficiaries, I plan on taking 10 year certain RMDs of unreimbursed qualified medical expenses starting at age 65. In other words, 1/10th at age 65, 1/9th at age 66 and ... and remaining distribution at age 74. Then 100% reimbursement thereafter. Assuming the HSA balan...
by WhiteMaxima
Wed May 01, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 109
Views: 15688

Re: What if I Never Buy a House?

It is perfect ok not to buy a house. It's a lifestyle choice.
by WhiteMaxima
Wed May 01, 2019 10:37 am
Forum: Personal Investments
Topic: 4% Rule Challenges Bonds
Replies: 24
Views: 2452

Re: 4% Rule Challenges Bonds

The advice I like is to never go higher than 70 percent bonds. I also have read of some saying that 3 percent is the new 4 percent. I am working towards using a 3 percent rule given today's situation vs the past. The baseline AA should be (30/30/40 or 40/20/40 US/Intl/Bond). Even if you are retied,...