Search found 1387 matches

by WhiteMaxima
Tue Oct 23, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: Making loose leaf tea
Replies: 30
Views: 886

Re: Making loose leaf tea

Using tea pot, boiling water and let it sit cool down a bit . For green tea , I would pour 85 degC, for dark tea, I would do 95degC.
by WhiteMaxima
Tue Oct 23, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 77
Views: 4932

Re: For those who paid off house - how did you do it?

I am doing mega Roth. No intend to pay off house anytime soon. At 3% plus tax deduction loan, i decide to maximize Roth IRA 1st as long as my return is > 3%.
by WhiteMaxima
Tue Oct 23, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7450
Views: 1558460

Re: U.S. stocks in freefall

Rebalance, DCA.
by WhiteMaxima
Tue Oct 23, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 92
Views: 3661

Re: 2019 Expenses > 2019 Income – Help us close the gap

Our Expenses (monthly): House Cleaning: $120 – done every 3 weeks ->cut $120 savings House Repairs/Maintenance: $50 -> cut DIY Cable/Internet: $160 -> Cut, keep basic ISP $100 savings Electric Bill: $150 -> reduce All LED lights $100 saving Cell Phones: $70 -> reduce to 35 Water bill: $35 Garbage: $...
by WhiteMaxima
Mon Oct 22, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Timing the market - Some say it’s possible?
Replies: 36
Views: 1765

Re: Timing the market - Some say it’s possible?

Be aggressive when everyone is fear, be conservative when everyone is greedy. You can never time the market, but you can time the economical cycle. In one conclusion word: buy asset at it's fair value, sell asset when it's over valued. Invest like Warren Buffett
by WhiteMaxima
Mon Oct 22, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 40
Views: 3117

Re: Beer - Strong German Style Lagers

I like light beer from Rhein region (Koln, Frankfurt, Duserdof). good with with Pork knuckle, Goose legs, Duck breast.
by WhiteMaxima
Mon Oct 22, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Sequoia or Land Cruiser
Replies: 25
Views: 1244

Re: Sequoia or Land Cruiser

I, too, have three kids and one of the vehicles mentioned: Lexus GX. I love my Lexus, but hate taking three kids anywhere in it - our minivan fits that role perfectly: It keeps the kids away from each other and still leaves plenty of room for luggage space for a family of five. I'd love to have a n...
by WhiteMaxima
Mon Oct 22, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Sequoia or Land Cruiser
Replies: 25
Views: 1244

Re: Sequoia or Land Cruiser

For moving people on road, minivan would be the right choice. You will have better MPG and quick get in and out because if sliding door. very usable 3rd row seat. Not for off-road of course. Much better ride comfort. LCs and Lexus LX are all truck based SUV. Driving is much bumpy and harsh than unib...
by WhiteMaxima
Mon Oct 22, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Sequoia or Land Cruiser
Replies: 25
Views: 1244

Re: Sequoia or Land Cruiser

Don't count to use the 3rd row seat. because of the rear differential axle, the 3rd row has pushed very high. But LCs are the king on Gebi desert and super reliable V8. Lexus LX570 is same but up lifted LC with hydro ground height lift. 80K USD.
by WhiteMaxima
Mon Oct 22, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Sequoia or Land Cruiser
Replies: 25
Views: 1244

Re: Sequoia or Land Cruiser

Then Sequoia is better choice and cheaper. I don't like both gas mileage. They are big and heavy. I know Saudi has a lot LCs. But their gas is 5c/gallon. LCs are very good on sand dune.
by WhiteMaxima
Mon Oct 22, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Sequoia or Land Cruiser
Replies: 25
Views: 1244

Re: Sequoia or Land Cruiser

My wife and I are about to start a vehicle sinking fund. While my 2003 Honda Pilot is still going strong, I understand that I need to plan for the future. I will drive it until i can’t anymore, but I will not put any further “costly” repairs in it. My projection is 3-5 years, hopefully longer. I am...
by WhiteMaxima
Mon Oct 22, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: 529: Just getting started
Replies: 14
Views: 1153

Re: 529: Just getting started

Both use Vanguard. Cost slightly differ by 0.001%. If you are not resident of both state. Just open both. 529 only allow you to rebalance twice a year. So opening both allows you rebalance 4x.
by WhiteMaxima
Thu Oct 18, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Finally ready to start investing in RothIRA (23yrs old)
Replies: 33
Views: 1894

Re: Finally ready to start investing in RothIRA (23yrs old)

Congrats. Invest aggressivly and grow big. DCA, don't lump sum. in the next 50 years, tech revolution will change how we will live. AI, Biotech, new energy. Don't to too aggressive, you will have time to recover for any market loss. Good luck.
by WhiteMaxima
Thu Oct 18, 2018 11:14 am
Forum: Investing - Theory, News & General
Topic: flat for the year
Replies: 27
Views: 2499

Re: flat for the year

We should celebrate that we are still positive so far. The GDP is only growing 3% YOY since 2009. Can BH explain how the market return at north of 10%. I can't figure it out.
by WhiteMaxima
Wed Oct 17, 2018 5:38 pm
Forum: Investing - Theory, News & General
Topic: What was max drop in 2000 and 2008?
Replies: 15
Views: 2975

Re: What was max drop in 2000 and 2008?

If you sold then you will loose about 50%. What if you hold it through until now? So buy and hold and stay in course.
by WhiteMaxima
Wed Oct 17, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Investing During Retirement
Replies: 20
Views: 2695

Re: Investing During Retirement

One fund approach. Vanguard Balanced Index Admiral Fund. You don't have to manage it. It will automatically rebanlaned to 60/40 and very low cost to you. Time is more precious than money. Enjoy your retirement.
by WhiteMaxima
Wed Oct 17, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying a brand new Toyota 4Runner TRD
Replies: 11
Views: 1211

Re: Thinking of buying a brand new Toyota 4Runner TRD

Go for it. One of the best quality 4WD truck you can buy. Very good re-sale value. The ride is bumpy due to its body on frame design. If you off road, it is a must. If you most ride on road, a unibody RX350 would do.
by WhiteMaxima
Wed Oct 17, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Used car advice
Replies: 3
Views: 416

Re: Used car advice

All are very good choice for a used car.

Chose Mazda 3 for reliability and style (subjective)
Chose VW for driving dynamics
Chose Subaru for AWD

I would chose a VW Golf TDI. Current I have a Mazda 3 Hatchback and I love it.
by WhiteMaxima
Tue Oct 16, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: International Fund Down - What to do?
Replies: 36
Views: 2311

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: 321
Views: 33790

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: 7
Views: 709

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: 43
Views: 6905

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: 90
Views: 6192

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: 711

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: 74
Views: 10333

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: 4290

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: 72
Views: 6639

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: 4162

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: 573

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: 72
Views: 6639

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: 573

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: 74
Views: 10333

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: 7164

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: 2476

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: 7538

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: 5184

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: 7164

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: 3439

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: 5911

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: 7450
Views: 1558460

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: 1680

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: 1680

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: 7450
Views: 1558460

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: 3595

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: 7450
Views: 1558460

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: 7450
Views: 1558460

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: 3439

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: 7450
Views: 1558460

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: 1857

Re: Investment advice for a friend in her nineties

Tell her the money he spend is the money she earned.