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Re: rehab or tear-down?

I'm currently doing a total rehab, which involves meeting code for everything from framing to plumbing. Code is a GOOD thing, having lived in the "under the table" rehabs which could have killed my family. Do it right, you will not be sorry.
by Qtman
Sun Apr 20, 2014 11:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: rehab or tear-down?
Replies: 4
Views: 640

Re: Any Bogleheads here into real estate investing?(renting

Real estate works, as long as you realize it's something you must devote time, energy and effort to. Dealing with tenants can be challenging, we have found it much more rewarding than frustrating over many years. The single wealthiest person I've ever known made all his money in real estate. He sta...
by Qtman
Fri Apr 04, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: Any Bogleheads here into real estate investing?(renting out)
Replies: 69
Views: 6226

Re: Lump Sum vs annuity

Be careful with all the advise offered on this site. No one understands your personal situation, risk tolerance, etc. you need to look at many factors other than the simple math on returns, life isn't that simple, would that it were.
by Qtman
Thu Apr 03, 2014 6:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum vs annuity
Replies: 17
Views: 1190

Re: Any Bogleheads here into real estate investing?(renting

Real estate works, as long as you realize it's something you must devote time, energy and effort to. Dealing with tenants can be challenging, we have found it much more rewarding than frustrating over many years. The single wealthiest person I've ever known made all his money in real estate. He stat...
by Qtman
Thu Apr 03, 2014 6:09 am
 
Forum: Investing - Theory, News & General
Topic: Any Bogleheads here into real estate investing?(renting out)
Replies: 69
Views: 6226

Re: Should you discuss your wages with your peers?

Yes, transparency is good.
by Qtman
Thu Mar 27, 2014 6:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Should you discuss your wages with your peers?
Replies: 82
Views: 6858

Re: How to Invest for an 88 Year Old???

Attorney yes, we also use a conservative investment advisor that has known my elderly mother 30 years. With multiple children, it takes the investment decisions to a conservative third party, worth their fee.
by Qtman
Wed Mar 05, 2014 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Invest for an 88 Year Old???
Replies: 10
Views: 1353

Re: Insurance for Unoccupied Home

I have a third house that my ins co calls a "non occupied rental" and it cost a lot less than your quote. The ins co said since we have both primary and secondary and filled rentals, this would be their categorization. Maybe that will help.
by Qtman
Wed Mar 05, 2014 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance for Unoccupied Home
Replies: 13
Views: 563

Re: Where to buy polo shirts?

New? Why? Spend an hour at two thrift shops and you can buy 5-6 polo type shirts that fit, are in good shape (no holes, stains, etc) for about $1.99 each. This is a no brainer. Many clothes in thrift shops have barely been worn, partially because Americans continue to grow in girth so their clothes ...
by Qtman
Fri Feb 28, 2014 5:35 am
 
Forum: Personal Consumer Issues
Topic: Where to buy polo shirts?
Replies: 63
Views: 9490

Re: Attic Insulation Retrofit: Spray Foam Insulation

I renovated a small house 2years ago and foamed the entire thing. It's like living in a cooler, heat and ac run but infrequently. Cost is higher than fiberglass etc, but no comparison on efficiency.
by Qtman
Thu Feb 20, 2014 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Attic Retrofit: Spray Foam Insulation [Updated w Images]
Replies: 40
Views: 3749

Re: What do early retirees actually do in Florida?

I've lived in Orlando for 55 years and I can't wait to leave and go out west for several years once I retire. We'll spend winters in Arizona, New Mexico, and Florida. I know I'm biased from growing up here (don't we always want what we don't have?) and I know that once I leave I'll look back and ki...
by Qtman
Fri Dec 06, 2013 8:34 pm
 
Forum: Personal Consumer Issues
Topic: What do early retirees actually do in Florida?
Replies: 238
Views: 14109

Re: What do early retirees actually do in Florida?

Forget Florida, come to Colorado, bike, sail, hike, downhill and nordic ski. Best place on earth.

Been there done that in Florida.
by Qtman
Fri Dec 06, 2013 8:30 pm
 
Forum: Personal Consumer Issues
Topic: What do early retirees actually do in Florida?
Replies: 238
Views: 14109

Re: is "age in bonds" really good Bogleheads advice?

I couldn't resist this topic. Just like every other financial situation, this one is very dependent on multiple factors unique to the individual. The book "Bonds" by Stan & Hildy Richelson makes a good case for 100% bonds. The constant "advice" given on this board based on mi...
by Qtman
Mon Jul 22, 2013 6:06 am
 
Forum: Investing - Theory, News & General
Topic: is "age in bonds" really good Bogleheads advice?
Replies: 94
Views: 8621

Re: A reminder that non-investing general comment threads ar

I in general have given up on this site. My reasoning was different, my tag line was changed by the moderator to be PC and not offend anyone. Yet as I pointed out to the moderator, the post about buying a Rolex watch quickly degenerated into people moralizing about the cost of a Rolex vs feeding the...
by Qtman
Mon Jul 15, 2013 5:47 am
 
Forum: Forum Issues and Administration
Topic: A reminder that non-investing general comment threads are OT
Replies: 22
Views: 7802

Re: I'm Bullish on Bonds

Rick Ferri: You said: " Don't like 2% interest rates? Get used to it. Given the aging of worldwide population including China, the supply of goods and services worldwide is fairly matched to demand, thus global interest rates could remain low for decades. The good news is that inflation could ...
by Qtman
Fri May 24, 2013 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: I'm Bullish on Bonds
Replies: 83
Views: 7525

Re: My thoughts on the drop in bond prices after Bernanke ta

I don't see how you can divorce the return from bonds from its effect on the portfolio, when over the past 30 years bonds have been contributing significant returns through dividends considerably north of 5% a year, year in and year out. That was enough to double whatever you had put into bonds ove...
by Qtman
Fri May 24, 2013 2:45 pm
 
Forum: Investing - Theory, News & General
Topic: My thoughts on the drop in bond prices after Bernanke talk
Replies: 43
Views: 4203

Re: Why Can't I Bring Myself to Buy Me a Nice Watch?

I would love to know for all those dissing buying a Rolex what they drive, where they eat out, what types of vacations do they take, what hobbies do they have, etc, etc. If you want a $20 Timex, buy one. If you want a $8,000+ Rolex and you can afford it, buy it. Charity is great, but the people that...
by Qtman
Thu May 23, 2013 8:28 pm
 
Forum: Personal Consumer Issues
Topic: Why Can't I Bring Myself to Buy Me a Nice Watch?
Replies: 193
Views: 13293

Re: How much does water weigh?

12 pounds per gallon.
by Qtman
Thu May 23, 2013 8:05 pm
 
Forum: Personal Consumer Issues
Topic: How much does water weigh? [Swimming pool]
Replies: 37
Views: 3929

Re: Why Can't I Bring Myself to Buy Me a Nice Watch?

Good grief, go ahead and buy the Rolex. It sounds like you have managed your investments and debt well. I bought a used one in London years ago and enjoy it every time I wear it, it is a fine piece of engineering. I think of my mother who always said, "Buy me flowers now, while I can enjoy them...
by Qtman
Wed May 22, 2013 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Why Can't I Bring Myself to Buy Me a Nice Watch?
Replies: 193
Views: 13293

Re: I'm Bullish on Bonds

all i can say is this-when the market collapsed in 2008 i held the course while the market went down. my money went down about 45 percent. i did not sell anything and now my funds have blasted thru highs since late last year. who's to say it won't happen with bonds. the only thing with bonds is the...
by Qtman
Wed May 22, 2013 7:02 pm
 
Forum: Investing - Theory, News & General
Topic: I'm Bullish on Bonds
Replies: 83
Views: 7525

Re: I'm Bullish on Bonds

Rick, thanks for the post, I am mostly in bonds and have been for years. I have a little equity exposure so have not gotten too much from the rally, but never lost a lot in the big drop. My munis, corps, agencies and treasuries continue to pay. And I continue to buy more, along with a little bit of ...
by Qtman
Wed May 22, 2013 6:05 pm
 
Forum: Investing - Theory, News & General
Topic: I'm Bullish on Bonds
Replies: 83
Views: 7525

Re: Buffet says no to bonds - recommends equities and cash

Would that we were all as smart as Mr. Buffett. I hold many individual bonds and will continue to, Dr. Zvi Bodie might have another outlook.
by Qtman
Sat May 18, 2013 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: Buffet says no to bonds - recommends equities and cash
Replies: 70
Views: 7338

Re: Advice on firing parent's investment advisor

I use an advisor for my in-laws. They can't do it and there are several children involved. The advisor is an independent third party, which is good. He is very conservative and does little changing of funds over the years. Who in equities hasn't done ok the last few years? That is not the issue. The...
by Qtman
Sat May 18, 2013 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on firing parent's investment advisor
Replies: 15
Views: 936

Re: Merrill Lynch

I have a Merrill Lynch CMA account that I have been putting money into for my daughters college. The fund is doing well, but I am considering taking it out now as she will be college age in two years. Thoughts? If you need the money in two years, CDs or cash make the most sense to me, especially af...
by Qtman
Fri May 17, 2013 5:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch
Replies: 4
Views: 637

Re: Another look at Jim Cramer's stock picks

He disses index funds... Not exactly. In Getting Back to Even , he wrote: How many stocks does it take to be truly diversified? I have found that it takes a minimum of five to capture true diversification and protection from the undesirable elements…. [ten would be terrific but] if you insist on mo...
by Qtman
Fri May 17, 2013 5:48 am
 
Forum: Investing - Theory, News & General
Topic: Another look at Jim Cramer's stock picks
Replies: 29
Views: 3990

Re: Retiree poll: When did you retire?

Early 50s retired from corp America, now able to devote time to rentals, which I enjoy. Never looked back on those corp days.
by Qtman
Fri May 17, 2013 5:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiree poll: When did you retire?
Replies: 36
Views: 3206

Re: Your biggest work victory?

Simply surviving 30 years in a large corporation, and keeping my sanity and ethics, that seemingly was the impetus for Dilbert. Avoiding the ruthless, backstabbing corporate culture where it was a Darwinian mindset to get rid of the weak as you climbed to the top. I guess it's one way to run a busin...
by Qtman
Thu May 16, 2013 6:46 am
 
Forum: Personal Consumer Issues
Topic: Your biggest work victory?
Replies: 53
Views: 5232

Re: Another look at Jim Cramer's stock picks

He disses index funds, I can't watch him - too manic and tries to tell everyone they can beat the market.
by Qtman
Wed May 15, 2013 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: Another look at Jim Cramer's stock picks
Replies: 29
Views: 3990

Re: Evaluating Rental Property

It's not a great cap rate, but it should be a positive cash flow, which I view as essential. You are correct that the renter is paying for the property. If you think the hassles of being a landlord are more than you want to deal with, forget it, it's not worth the hassle if you hate it. As a multi p...
by Qtman
Tue May 14, 2013 7:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Evaluating Rental Property
Replies: 19
Views: 1946

Re: Graduation gift for non-relative

Give him $50 and a Bogle book so he can get off on the right foot early in his investment knowledge.
by Qtman
Fri May 10, 2013 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Graduation gift for non-relative
Replies: 21
Views: 1603

Re: Is it time to install a whole-house generator?

We just got a bid for a 20kW whole house generator from Cummins Oman unit. The price is $9300. This system is completely automatic and runs off propane. Looking at a few other options, this is first estimate. While replacing/repairing our basement discovered mold from at least two previous basement...
by Qtman
Fri May 10, 2013 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Is it time to install a whole-house generator?
Replies: 193
Views: 16955

Re: Is it time to install a whole-house generator?

We've been through several week long periods with no electricity. Just had the Generec 20kw put in with auto switch on propane, starts itself weekly to run. I'll need to do some maint every so often. Total package with new generator, all hook ups, trenching cables, gas line was $8400 with local elec...
by Qtman
Fri May 10, 2013 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Is it time to install a whole-house generator?
Replies: 193
Views: 16955

Re: Moving into a 400 s.f. condo?

Micro homes are increasing in attractiveness. If the unit is in a good area of the city, many boomers are moving to cities in retirement for ease of travel and close to amenities. If you buy, you will own it, which I view as a forced savings. In the future you could possibly keep it and turn it into...
by Qtman
Fri May 10, 2013 6:40 am
 
Forum: Personal Consumer Issues
Topic: Moving into a 400 s.f. condo?
Replies: 16
Views: 2081

Re: How Much Did You Spend on Your Engagement Ring??

A lot, but it's a pittance compared to my wife's worth - priceless.
by Qtman
Tue May 07, 2013 7:54 pm
 
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 20271

Re: Why should a buy and hold investor shorten bond duration

Most of the prognosticators on bonds on TV are managing for total return, hence they are always talking about duration, buying, selling, NAV just like they do stocks. I buy long term individual bonds to hold to maturity, reinvesting the interest I don't need into more long term bonds. This maximizes...
by Qtman
Tue May 07, 2013 6:07 am
 
Forum: Investing - Theory, News & General
Topic: Why should a buy and hold investor shorten bond duration?
Replies: 18
Views: 1917

Re: general (financial) advice about musical instruments/les

Our two sons wanted to learn guitar in pre-teen years. Decent guitars are available for little money, to see if they will stick with it. Both did, as their skill increased we got them better instruments. Piano was not an option due to space. You don't have to start them at 3-4 years old, give them t...
by Qtman
Tue May 07, 2013 5:56 am
 
Forum: Personal Consumer Issues
Topic: general (financial) advice about musical instruments/lessons
Replies: 109
Views: 7103

Re: Buffet says no to bonds - recommends equities and cash

I believe it was Grocho Marks, who when told that government bonds paid low rates and therefore were not good investments, said relative to low rates, "not if you have enough of them". Yes rates are low, yes Buffett is a successful investor, but everyone's situation is unique. I struggle w...
by Qtman
Mon May 06, 2013 6:16 pm
 
Forum: Investing - Theory, News & General
Topic: Buffet says no to bonds - recommends equities and cash
Replies: 70
Views: 7338

Re: Should I sell my 2 rental properties?

As we all should know, being a landlord is a job. If you build a reasonable emergency fund for the properties, that should lessen stress to some degree so you can handle emergencies. Real estate is a very doable way to build assets and future cash flow. Unless it is making you miserable, why not con...
by Qtman
Mon May 06, 2013 5:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell my 2 rental properties?
Replies: 20
Views: 2057

Re: bond books

larryswedroe wrote:for individuals IMO there are only three good bond books, Mine, Marilyn Cohen's and Annette Thau's.


Another good bond book is " Bonds" by Stan and Hildy Richelson. It is certainly worth a read if you are interested in bonds.
by Qtman
Mon May 06, 2013 5:45 am
 
Forum: Investing - Theory, News & General
Topic: An update on Whitney's muni forecast
Replies: 25
Views: 3537

Re: Municipal bonds going forward

Buy individual, highest quality bonds and hold to maturity. For another well thought out strategy read " Bonds" by Hildy and Stan Richelson. Great book.Well thought for the conservative investor.
by Qtman
Sat Apr 06, 2013 10:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Municipal bonds going forward
Replies: 22
Views: 2032

Re: Can the average investor make money in real estate?

Yes, but to your experience, it takes time, money and effort. One of the most successful investors I've personally known had zero stocks and bonds, he was 100% commercial real estate. He was wont to say, I don't know how these big public companies really operate, but I know my local real estate mark...
by Qtman
Sat Apr 06, 2013 10:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can the average investor make money in real estate?
Replies: 50
Views: 5051

Re: Bonds and interest rates

I buy and hold individual bonds and don't use funds. The "market wizards" always seem to assume that when rates go up, everyone will trade out of bonds. Bonds offer income, as rates rise and bonds mature, you can reinvest the principle in higher paying bonds. The call for a rise in interes...
by Qtman
Fri Mar 22, 2013 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds and interest rates
Replies: 18
Views: 1720

Re: Which Midsize SUV should I buy?

We have a 2011 Forester, great vehicle. I've owned 4 Subarus over many years, never any problems and the AWD is great in snow. Reasonable price from my perspective. Paid about $26 k, only new car we ever bought. I struggle with the idea of paying more than that for a vehicle. For $50 k, I can but an...
by Qtman
Wed Jan 02, 2013 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Which Midsize SUV should I buy?
Replies: 67
Views: 6091

Re: Buy Down Mortgage?

Sounds good to me. I have several rentals but own most of mine for cash, so mortgages not an issue.
by Qtman
Sat Dec 29, 2012 4:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy Down Mortgage?
Replies: 4
Views: 946

Re: What do you do when your company 401k has awful funds?

Some 401ks allow "in-service" withdrawals, where you can roll a percentage into a rollover IRA which you can manage. Just be sure you totally understand all the details and talk to your tax person.
by Qtman
Sat Dec 29, 2012 4:40 am
 
Forum: Investing - Help with Personal Investments
Topic: What do you do when your company 401k has awful funds?
Replies: 33
Views: 1612

Re: House Generator and its maintenance

Why not look into nat gas or propane powered. We have a 20kw propane that is totally automatic and starts itself once a week for a few minutes.
by Qtman
Sat Dec 29, 2012 4:25 am
 
Forum: Personal Consumer Issues
Topic: House Generator and its maintenance
Replies: 32
Views: 3159

Re: Good car for short person?

My wife is about the same height, she drives a Subaru Forester, great car. Plus it has all wheel drive, sits higher than passenger cars and can haul stuff in the back. We've had 4 Subarus, no complaints.
by Qtman
Thu Apr 12, 2012 4:37 am
 
Forum: Personal Consumer Issues
Topic: Good car for short person?
Replies: 31
Views: 6946

Re: investing in individual munis

I would try to find at least A rated or even Aa if possible. AAA would be great, but your rates will be lower.
by Qtman
Fri Apr 06, 2012 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing in individual munis
Replies: 15
Views: 1096

Re: [POLL] How many miles on your car?

1995 Mercedes with 85,000 miles
by Qtman
Fri Apr 06, 2012 5:46 am
 
Forum: Personal Consumer Issues
Topic: [POLL] How many miles on your car?
Replies: 141
Views: 6421
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