Search found 35 matches

by trexdaddy
Thu Aug 01, 2019 5:23 am
Forum: Personal Finance (Not Investing)
Topic: Is a 300/500 car policy truly enough?
Replies: 54
Views: 5404

Re: Is a 300/500 car policy truly enough?

SuzBanyan wrote: Wed Jul 31, 2019 10:00 pm Years ago, I was sued for $1M after a car accident. At the time, my coverage was only $300K. My insurance company settled for $10,000. I had to wait 2 years ago before I could increase my limit. No surprise that I now have more than a $1M.
How can they settled it from 1M to 10K?
by trexdaddy
Mon Jul 15, 2019 10:17 am
Forum: US Chapters
Topic: Any Los Angeles area chapters?
Replies: 10
Views: 1591

Re: Any Los Angeles area chapters?

Lived in the orange county

working in LA
by trexdaddy
Mon Jul 15, 2019 10:17 am
Forum: US Chapters
Topic: Any Los Angeles area chapters?
Replies: 10
Views: 1591

Re: Any Los Angeles area chapters?

Lived in the orange county

working in LA
by trexdaddy
Mon Jul 15, 2019 10:12 am
Forum: US Chapters
Topic: Any Los Angeles area chapters?
Replies: 10
Views: 1591

Re: Any Los Angeles area chapters?

Lived in the orange county

working in LA
by trexdaddy
Mon Jul 15, 2019 10:07 am
Forum: US Chapters
Topic: New Orange County, CA Local Chapter established
Replies: 87
Views: 15707

Re: Orange County, CA chapter?

how should we grouped up? via this forum? Fb group? messager? meetup.com?
by trexdaddy
Mon Jul 15, 2019 9:48 am
Forum: US Chapters
Topic: New Orange County, CA Local Chapter established
Replies: 87
Views: 15707

Re: Orange County, CA chapter?

i'm in!!
From Irvine.
by trexdaddy
Mon Jul 15, 2019 7:29 am
Forum: Non-US Investing
Topic: Is there any alternative option for CQQQ?
Replies: 2
Views: 467

Is there any alternative option for CQQQ?

Reasons:
I want to add some positions to China internet companies.

Problems:
I do not familiar with each firm.

So....
I found CQQQ may be the best sector ETF targeting China internet industry.

Any thoughts?
by trexdaddy
Mon Jul 15, 2019 7:25 am
Forum: Personal Investments
Topic: ST Corp Bond Index (VSCSX) for cash parking?
Replies: 10
Views: 1182

Re: ST Corp Bond Index (VSCSX) for cash parking?

vwgrrc wrote: Tue Jul 09, 2019 8:06 am
trexdaddy wrote: Tue Jul 09, 2019 7:36 am How about JPST?
seems pretty solid. but is this a fund can be purchased through regular broker, not a private investment service?
I buy it on TDA without commissions.
I used to use MINT for my cash until I realize JPSP will save me a $6.95 every times...
by trexdaddy
Mon Jul 15, 2019 7:22 am
Forum: Personal Investments
Topic: Portfolio Review
Replies: 22
Views: 1657

Re: Portfolio Review

1, I agree with "Quit waiting for a pull-back" 2Instead of spy, I would like to go with a more detailed portfolio: ibb+vgt+xlf+sphd+xar.... Good luck! You have a very good start! Wish you have a wonderful life!! Thank you for the words of encouragement, and I cannot purchase SPY without paying a co...
by trexdaddy
Tue Jul 09, 2019 8:16 am
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 32408

Re: Americans believe they need $1.7 million, on average, to retire

I think it depends on where you live and if there any existing debt
by trexdaddy
Tue Jul 09, 2019 8:14 am
Forum: Personal Investments
Topic: Portfolio Review
Replies: 22
Views: 1657

Re: Portfolio Review

BTW QUAL is free with TDA
by trexdaddy
Tue Jul 09, 2019 8:13 am
Forum: Personal Investments
Topic: Portfolio Review
Replies: 22
Views: 1657

Re: Portfolio Review

1, I agree with "Quit waiting for a pull-back"
2Instead of spy, I would like to go with a more detailed portfolio: ibb+vgt+xlf+sphd+xar....


Good luck!
You have a very good start!

Wish you have a wonderful life!!
by trexdaddy
Tue Jul 09, 2019 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Sign up bonuses
Replies: 16
Views: 1872

Re: Credit Card Sign up bonuses

I got a AMEX glod this year.
It's so difficult to use its points.

get rid of it
by trexdaddy
Tue Jul 09, 2019 7:31 am
Forum: Personal Finance (Not Investing)
Topic: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.
Replies: 140
Views: 13461

Re: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.

I moved to this country two years ago. No friends, no relatives...
I hire someone help to take care of these problem when I can't make it by myself.
I think it is fair.
by trexdaddy
Tue Jul 09, 2019 7:28 am
Forum: Non-US Investing
Topic: Investing for children [Hong Kong]
Replies: 6
Views: 868

Re: Investing for children [Hong Kong]

Have you ever think about buying a real estate in Shenzhen?
by trexdaddy
Tue Jul 09, 2019 7:26 am
Forum: Personal Consumer Issues
Topic: Verizon iPhone international trip
Replies: 37
Views: 2713

Re: Verizon iPhone international trip

Just try google FI
by trexdaddy
Tue Jul 09, 2019 7:15 am
Forum: Personal Consumer Issues
Topic: Google fi users - happy with it and recs?
Replies: 32
Views: 4248

Re: Google fi users - happy with it and recs?

I am a Google Fi user. I am good at it. Here is my reasons: 1, I live in SoCal. No problem with the signal 2, Fees is low and clear 3, their international plan is good. I travel a lot. It makes me easy to login FB, INs, even in PR China... 4, It's by Google. I trust Google more than Verizon and Att....
by trexdaddy
Wed Mar 27, 2019 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Card
Replies: 125
Views: 13857

Re: Apple Card

This card's design is the best,but in term of benefit...nono.

AMEX Gold+BOA 123 is a better choice
by trexdaddy
Wed Mar 27, 2019 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Shipping DD away....
Replies: 14
Views: 2243

Re: Shipping DD away....

I heard Suica card is very popular and useful in Japan. It's kind of like a universal gift card. You can use this in any stores, restaurants and subway. You can load it online when the balance is low.
by trexdaddy
Wed Mar 27, 2019 10:29 pm
Forum: Personal Investments
Topic: How much should I pay for a financial advisor?
Replies: 27
Views: 2470

Re: How much should I pay for a financial advisor?

BogleMelon wrote: Wed Mar 27, 2019 10:19 pm Was expecting someone to mention this before I do, but this is a good short read:
https://www.etf.com/docs/IfYouCan.pdf
Thank you for sharing!

Wish you have a great week~
by trexdaddy
Wed Mar 27, 2019 10:27 pm
Forum: Personal Investments
Topic: Beginning high earner in CA
Replies: 24
Views: 3575

Re: Beginning high earner in CA

1, Why 500k in cash? MINT will generate a good monthly yield. 2, I am not sure about it but I was told the college plan may not the best choice for future tuition savings. My friend who has a high school kid told me this kind of plan will reduce the chance of receiving financial aid and scholarship ...
by trexdaddy
Wed Mar 27, 2019 10:18 pm
Forum: Personal Investments
Topic: How much should I pay for a financial advisor?
Replies: 27
Views: 2470

Re: How much should I pay for a financial advisor?

jriding wrote: Wed Mar 27, 2019 5:00 pm OP may be trolling.
Read the Wiki, then return with your questions:
https://www.bogleheads.org/wiki/Boglehe ... art-up_kit
Thank you Jirding!
Wish you have a great week!
by trexdaddy
Wed Mar 27, 2019 10:12 pm
Forum: Personal Investments
Topic: How much should I pay for a financial advisor?
Replies: 27
Views: 2470

Re: How much should I pay for a financial advisor?

You should pay nothing for a financial advisor because you don’t need a financial advisor. OP, consider Vanguard PAS for just 0.3%. After a while, if you are comfortable, you can take over for yourself. Don't use an expensive advisor at a bank you have visited. You will pay a ton, and if you ever f...
by trexdaddy
Wed Mar 27, 2019 10:01 pm
Forum: Personal Investments
Topic: How much should I pay for a financial advisor?
Replies: 27
Views: 2470

Re: How much should I pay for a financial advisor?

When an FA such as as the ones mentioned by the OP charge as high as 1.5 percent, are they also being compensated by the funds sold and under management? Sometimes they are. Look in the fund Prospectus for something called a "12b-1 fee". This is basically a legalized kickback to the advisor. Thank ...
by trexdaddy
Wed Mar 27, 2019 9:59 pm
Forum: Personal Investments
Topic: How much should I pay for a financial advisor?
Replies: 27
Views: 2470

Re: How much should I pay for a financial advisor?

Hello friends! I visited the wealth management advisors at almost all banks, such as Chase, BOA, WF, HSBC and Morgan Stanly., and another small-mid size firms... They charge about 1%-1.5% flat fee of all my investments. It looks like their suggested portfolio are similar(X% of equity +Y% of bonds) ...
by trexdaddy
Wed Mar 27, 2019 9:55 pm
Forum: Personal Investments
Topic: How much should I pay for a financial advisor?
Replies: 27
Views: 2470

Re: How much should I pay for a financial advisor?

You should pay nothing for a financial advisor because you don’t need a financial advisor. A financial advisors primary job is to figure out how they can siphon off your money for as long as possible before you become aware that not only do they add no value, they subtract value because your return...
by trexdaddy
Wed Mar 27, 2019 9:51 pm
Forum: Personal Investments
Topic: How much should I pay for a financial advisor?
Replies: 27
Views: 2470

Re: How much should I pay for a financial advisor?

I noticed that you just joined bogleheads and congratulations because this forum will teach you a lot about investing. I recommend that you visit the wiki page and read on this forum before paying such high fees to an advisor. I also suggest you that you read Taylor Larimore's book "The Bogleheads ...
by trexdaddy
Wed Mar 27, 2019 9:48 pm
Forum: Personal Investments
Topic: How much should I pay for a financial advisor?
Replies: 27
Views: 2470

Re: How much should I pay for a financial advisor?

If an adviser also does financial planning, don't pay for it using AUM because you'll probably overpay, and this service isn't needed every year. Pay for it as an outside hourly charge or a project cost as required. Rick Ferri Thank you Rick Ferri! That is exactly I am thinking about! With a 1.2% m...
by trexdaddy
Wed Mar 27, 2019 4:53 pm
Forum: Personal Investments
Topic: How much should I pay for a financial advisor?
Replies: 27
Views: 2470

How much should I pay for a financial advisor?

Hello friends! I visited the wealth management advisors at almost all banks, such as Chase, BOA, WF, HSBC and Morgan Stanly., and another small-mid size firms... They charge about 1%-1.5% flat fee of all my investments. It looks like their suggested portfolio are similar(X% of equity +Y% of bonds) A...
by trexdaddy
Wed Mar 27, 2019 4:44 pm
Forum: Personal Investments
Topic: 73 years old re-balancing account
Replies: 9
Views: 1053

Re: 73 years old re-balancing account

why tsla?
by trexdaddy
Wed Mar 27, 2019 4:44 pm
Forum: Personal Investments
Topic: 73 years old re-balancing account
Replies: 9
Views: 1053

Re: 73 years old re-balancing account

why tsla?
by trexdaddy
Wed Mar 27, 2019 1:15 am
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 146
Views: 21852

Re: Bogleheads with $100K+ MSRP cars?

I have a Lexus 570 and a Maserati Lavente.
I like LX570 more. I had a Toyota Crown when I was working in China. It was a good car, but I don't Toyota sell this model in North America.