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Re: Paranoia or just hard to adjust? [High Price of Real Est

From your other posts, it sounds like you and your lady would really like living in the new place. I think the above helps put the price tag in perspective. Feel free to act disgruntled about it during the negotiation process though :) LOL Sounds like you are getting extra value for an extra $100k....
by SDBoggled
Tue Apr 22, 2014 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paranoia or just hard to adjust? [High Price of Real Estate]
Replies: 19
Views: 2057

Re: Real Estate Investing

Hi, I like real estate as a significant portion of my investment portfolio - mainly due to diversification. Just like there is a wide range in stock investments - IMHO there is a similarly wide range in real estate investment e.g. Multi-family homes in questionable areas, single family homes, beach ...
by SDBoggled
Tue Apr 22, 2014 12:43 pm
 
Forum: Investing - Theory, News & General
Topic: Real Estate Investing
Replies: 11
Views: 883

Re: Forced job responsibility putting me in a panic

It is a cliche, but I think fear is good... means you are out of your comfort zone and learning something. I deliberately seek a bit of fear every now and then :happy You will likely get more expert advice, but I think the key to decent public speaking is just practice/role play/lots of practice bef...
by SDBoggled
Mon Apr 21, 2014 11:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2111

Re: Resort Property as Primary Residence

Sounds like you have a good realtor :happy They want to make sure you are getting value from your purchase... and it very much sounds like a very enjoyable lifestyle decision. That doesn't mean it is wrong, just that you want to be very well informed to ensure you understand the value for $. Perhaps...
by SDBoggled
Fri Apr 18, 2014 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Resort Property as Primary Residence
Replies: 16
Views: 1374

Re: *poor* Bogleheads

I am young and work in a grocery store. I don't make much less than my parents and I've certainly never been financially wealthy. This forum has helped me immensely . I am 23 and have about $50,000 in tax advantaged retirement accounts. I am now going to college part-time while working. My point is...
by SDBoggled
Fri Apr 18, 2014 12:08 pm
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 5344

Re: Paying off Mortgage, re-title to revocable trust or not

Hi, Perhaps related to this question: I believe that community property held with rights of survivorship gets 100% stepped up basis upon the death of the first spouse/partner, but I don't yet understand how putting the property in a trust might affect this. If you have are likely to have a capital g...
by SDBoggled
Wed Apr 09, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off Mortgage, re-title to revocable trust or not
Replies: 6
Views: 678

Re: B&M Bank: BoA or Wells Fargo?

Hi, I have had fairly extensive dealings with both. IMHO WF is the most progressive and dynamic of the big banks (Warren Buffet invests) but on a personal note, my interactions have been dominated by the individual mortgage officer. The difference for me is huge: proactively contact me to refinance ...
by SDBoggled
Tue Apr 08, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: B&M Bank: BoA or Wells Fargo?
Replies: 25
Views: 1262

Re: To MBA or not MBA?

Hi, I think this kind of decision (like not doing an MBA) might be penny wise and pound foolish, but only time and life decisions will really tell. In your situation I would go for Kelley as the difference in cost is << 1 year of your savings and I think $30k is a small price to pay in terms of poss...
by SDBoggled
Tue Apr 08, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: To MBA or not MBA?
Replies: 57
Views: 4523

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

Hi, I like single family homes and this kind of rental real estate forms a significant percentage of my assets. As others have said it can be very good or very bad and anywhere in between. I like the analogy of buying a single stock - IMHO the answer to your question all depends upon your stock/hous...
by SDBoggled
Thu Apr 03, 2014 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: Any Bogleheads here into real estate investing?(renting out)
Replies: 53
Views: 3831

Re: To buy or not to buy a new house?

Hi, I won't attempt to comment on buying new house and school district - I think that comes down to a very careful assessment of available public schools, private school options and family priorities. IMHO we could have chosen a neighboring, less expensive school district (didn't know this at the ti...
by SDBoggled
Mon Mar 31, 2014 9:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: To buy or not to buy a new house?
Replies: 15
Views: 2163

Re: Redrawn flood zone map puts portion of property in FZ

Surveyor and elevation measurement was well worth the $300? dollars to me... resulted in ~80% ongoing reduction in flood premium.
by SDBoggled
Sun Mar 30, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Redrawn flood zone map puts portion of property in FZ
Replies: 22
Views: 1053

Re: Frugal Fatigue

I have a very mixed frugality profile so definitely would not win any frugality competitions! However, I do focus on getting lots of value and would be in the higher percentiles for specialty awards in this area. IMHO, one of the keys is to splurge on low $ cost items. For example, it is much easier...
by SDBoggled
Sat Mar 29, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Frugal Fatigue
Replies: 96
Views: 9819

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

We have pre-finished engineered hardwood, more than 5 years with 3 kids - no sign of kitchen wear. I was concerned about putting hardwood into the kitchen, but we have an open kitchen which flows into the family room - so we risked the hardwood. It shows no signs of wear different to other areas (do...
by SDBoggled
Sat Mar 29, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Do you have hardwood or tile in your kitchen?
Replies: 57
Views: 3120

Re: Buying first home in SF - gut check

Hi, IMHO if you can afford to pay cash... then you can afford it, and the rest is just a choice based upon your priorities :-) Just wondered if you had thought of raising kids and school districts in this house. I know you expect kids, but really thinking about all that is involved in raising them m...
by SDBoggled
Wed Mar 26, 2014 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying first home in SF - gut check
Replies: 87
Views: 7105

Re: Any experience pricing yourself out of a neighborhood?

A quick couple of thoughts for you to think about which might make you more comfortable adding significantly to your current house. Have you checked the strength of your school district - this is one of the drivers for property values and may become a much higher priority for you. What is the direct...
by SDBoggled
Sun Mar 23, 2014 11:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any experience pricing yourself out of a neighborhood?
Replies: 15
Views: 2651

Re: Friend possibly victim of real estate dual agency

Hi, A couple of points (I don't have enough info to make any sort of judgement, e.g. need to read all the docs that were signed): In CA the buyer and seller have to sign a form that states whether there is a dual agency... your seller may have signed such a form? In CA in the standard offer you have...
by SDBoggled
Thu Mar 20, 2014 11:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Friend possibly victim of real estate dual agency
Replies: 27
Views: 2559

Re: Critique these long-term real-estate investments

In principal I don't have any issue with the strategy (I didn't check your maths). Main issue will be finding the rental return with good tenants. Also a warning that the general rule of thumb is that 40-50% of rents should be allocated to cover all expenses (excluding financing)... so you might wan...
by SDBoggled
Mon Mar 17, 2014 1:30 am
 
Forum: Investing - Theory, News & General
Topic: Critique these long-term real-estate investments
Replies: 15
Views: 990

Re: Do you love your job? What do you do?

Another engineer, I very much enjoy the flow of learning/building/creating with a team and prefer small companies with lots of job variety. My objective is to love my job and to be happy to work some time at night/weekends like a hobby. I know I only like the job if I have to struggle to make myself...
by SDBoggled
Mon Mar 17, 2014 1:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 10112

Re: How many Bogleheads are Wishy Washy?

Although, I am definitely not a pure Boglehead, I wouldn't describe me as Wishy Washy but more like a good, low cost, indexing, slice and dicing "kid" who has a few foibles, that will hopefully disappear with more maturity and continued influence from "parent"/Boglehead.org teach...
by SDBoggled
Sun Mar 16, 2014 12:02 am
 
Forum: Investing - Theory, News & General
Topic: How many Bogleheads are Wishy Washy?
Replies: 44
Views: 4111

Re: Do I need bond funds if I have real estate?

Hi, I have no understanding of risk in commercial real estate, but have a bit higher % of net worth in single family home and I expect their rents to provide the bulk (hopefully all) of retirement income. Unless there is a catastrophic event, I figure I can cut my expenditure to ensure it is less th...
by SDBoggled
Sat Mar 15, 2014 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need bond funds if I have real estate?
Replies: 14
Views: 939

Re: 26 Year Old--REIT Taxable Income Thoughts?

IMHO The best investment might be to get a job before you quit???

Although I like REIT and have a sizable chunk... loss of capital in the short term is a very big risk. I think 2013 they were down ~10%, and last time I looked they were still off 6-7% from May 2013 peak... this would swamp any income.
by SDBoggled
Tue Mar 11, 2014 7:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: 26 Year Old--REIT Taxable Income Thoughts?
Replies: 3
Views: 370

Re: William Bernstein-When you've won the game, why keep pla

- .... " A lot of people had won the game before the crisis happened: They had pretty much saved enough for retirement, and they were continuing to take risk by investing in equities. Afterward, many of them sold either at or near the bottom and never bought back into it. And those people have...
by SDBoggled
Mon Mar 10, 2014 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 241
Views: 25064

Re: William Bernstein-When you've won the game, why keep pla

... I am 57 and plan to retire at 60 and had an AA of 50/50, but am thinking of going to 30 Stocks/70 Bonds, to play safe, and at the same time just enough to keep up with inflation. My situation won't be of much help, as I am planning on using rental real estate to form the basis of retirement inc...
by SDBoggled
Mon Mar 10, 2014 9:10 pm
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 241
Views: 25064

Re: How did you get through the market crash in 08-09

I think I'd have to go for the missing option (4) Totally oblivious - better to be lucky than ??? I knew enough not to sell and didn't have any cash to invest: This was years before I found Bogleheads or had any money for taxable... so in 2009, 401k was on automatic to front-end load into REIT :happ...
by SDBoggled
Sun Mar 09, 2014 9:03 pm
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5454

Re: Another rental property question

Yes... definitely should feel comfortable with % of real estate in your asset allocation. If you can cope with leverage, lack of liquidity, high selling costs, possible vacancies, possible requirements for input of occasional $ (IMHO you shouldn't buy if this is going to be significant?) then I like...
by SDBoggled
Tue Mar 04, 2014 11:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another rental property question
Replies: 9
Views: 766

Re: The Price of Outperformance

Did you look at Dodge and Cox - every single fund? https://www.dodgeandcox.com/performance.asp I am happy owner of DODGX and DODFX but I'm just saying... that looking back from around 1/2010 - outperformance was not so easy to pick from historical 1,3,5, etc returns. I remember doing exercise, but ...
by SDBoggled
Sun Mar 02, 2014 9:15 pm
 
Forum: Investing - Theory, News & General
Topic: The Price of Outperformance
Replies: 31
Views: 2678

Re: Paying off the mortgage. Kind of.

If I understand what you are trying to do: Effectively borrow at a tax deductible 3.25% to invest in stocks. I think this is OK (I think this is effectively what anyone with a home mortgage and taxable investments is doing?). However, because I am Boglish and like to Live Below My Means, I would sti...
by SDBoggled
Sat Mar 01, 2014 11:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paying off the mortgage. Kind of.
Replies: 29
Views: 2786

Re: investment property income

Hi, I would need to see more numbers, but the initial description doesn't sound good: Sell stocks in taxable (presumably with gain) and an expected return higher then 4-6% to get a rental with attendant responsibilities and costs for less expected gain. I like rentals, believe in real estate for div...
by SDBoggled
Sat Mar 01, 2014 11:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: investment property income
Replies: 7
Views: 867

Re: Avoiding VNQ due to interest rate [Vanguard REIT]

Hi, I can not give you a direct answer to your REIT question as I know I am atrocious at stock picking; picking interest rate correlations and not so great at market timing. Even though I have a relatively large chunk of REIT (14% from pre-Boglehead days)... IMHO it is more important to select an as...
by SDBoggled
Sat Mar 01, 2014 10:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Avoiding VNQ due to interest rate [Vanguard REIT]
Replies: 28
Views: 2287

Re: Concerns re: Relocating to Illinois (Chicago)

Hi, Perhaps an important question for every buy vs rent decision is how long do you intend to live in Chicago? If the answer is forever, then high selling costs and below average appreciation don't matter as much as if you know you want to move to place x after 5 years. If you know you definitely wa...
by SDBoggled
Fri Feb 28, 2014 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Concerns re: Relocating to Illinois (Chicago)
Replies: 40
Views: 2695

Re: Layover in Amsterdam

I really enjoy bike rides while touristing... there was one to the countryside - unfortunately timing wasn't right, city one was good though... incl short stop in red light district :-)
by SDBoggled
Tue Feb 25, 2014 11:50 pm
 
Forum: Personal Consumer Issues
Topic: Layover in Amsterdam
Replies: 23
Views: 1041

Re: Inheriting money, then leaving it to your kids

I am torn... One side will grow the inheritance as much as possible, fund our own retirement and live below our means... because that is what we value. The problem with that is that there should be the inheritance pile plus our own pile (hopefully bigger) and I don't think giving lots of $ to kids i...
by SDBoggled
Tue Feb 25, 2014 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheriting money, then leaving it to your kids
Replies: 23
Views: 1929

Re: Vacuum cleaner advice

I like my 7? year old Dyson.
by SDBoggled
Tue Feb 25, 2014 6:54 pm
 
Forum: Personal Consumer Issues
Topic: Vacuum cleaner advice
Replies: 34
Views: 1924

Re: 401k plan prevents > 25% contributions

Just a thought, check that 25% is the max across all contributions e.g. can you contribute 25% before tax and 25% after tax.
by SDBoggled
Tue Feb 25, 2014 1:10 am
 
Forum: Personal Finance (Not Investing)
Topic: 401k plan prevents > 25% contributions
Replies: 3
Views: 580

Re: Money or Fulfillment?

I am an engineer and enjoy building stuff and learning. I love the state of flow where work does not seem like work... but more like a hobby which I want to keep doing, in preference to e.g. vacation. If I find that my current job does not provide sufficient new absorption/learning/growth opportunit...
by SDBoggled
Mon Feb 24, 2014 11:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money or Fulfillment [quit unsatisfactory job]?
Replies: 20
Views: 1503

Re: Best Stereo Headphones under $100

These are different from the ones you are considering, but are very light which may have value.
http://www.amazon.com/Koss-Porta-Pro-KT ... al_qh_dp_t
by SDBoggled
Mon Feb 24, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Best Stereo Headphones under $100
Replies: 33
Views: 1714

Re: HELOC, Use or Lose It

I would check on HELOC refinance rate. I was coming up to end of drawdown period and in process got an improvement (certainly not better than your current rate, but have larger amount) - just thought it might be worth you checking - so you can take your time and "only hit a strike". If you...
by SDBoggled
Mon Feb 24, 2014 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELOC, Use or Lose It
Replies: 4
Views: 432

Re: Real estate rental w Magi >150k

Hi, My comment goes beyond your questions, but I thought I would just give some things to think about: I would negotiate a deal with an agent such that you buy your house and sell your condo with the same agent to reduce the normal 6% agent costs in selling. This would give you condo capital gains t...
by SDBoggled
Mon Feb 24, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate rental w Magi >150k
Replies: 20
Views: 1850

Re: Warren Buffett's portfolio for his wife: Vanguard index

Hi, I am guessing that the lower bond % for his wife, just aligns with his dislike of current bond return vs S&P return (sorry I can't give exact reference, I think he compares current return of bonds to companies he selects, somewhere in 10 part lecture series to college students on YouTube). H...
by SDBoggled
Mon Feb 24, 2014 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett's portfolio for his wife: Vanguard index fund
Replies: 70
Views: 10237

Re: Where do you invest your child's savings?

Laura wrote: ...Target Retirement funds have a $1k minimum.


Thanks, I didn't know this. I put my daughter into the STAR fund due to its $1k minimum, but I see Target Retirement 2060 is cheaper, simpler and has less bonds which fits better.
by SDBoggled
Sun Feb 23, 2014 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where do you invest your child's savings?
Replies: 30
Views: 1440

Re: Exit Strategy

My exit strategy is a stepped up basis to heirs upon death... so estate does not have to pay tax on most of the capital gains.

I hope that rent from investment properties and dividends will account for the majority of living expenses during retirement.
by SDBoggled
Sun Feb 23, 2014 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Exit Strategy
Replies: 8
Views: 1049

Re: What would YOU do with $300K?

Hi, What I would do is balance the $ invested in my Boglish asset allocation with initial $ invested in real estate because I enjoy a fairly low level amateurish dabbling in single family home rehab and rental. However, I don't think you mentioned how big your taxable account is or if you want to in...
by SDBoggled
Sat Feb 22, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: What would YOU do with $300K?
Replies: 28
Views: 3127

Re: Leaving a small amount of student debt for child to pay

I don't think it is crazy at all. Although we were paying for daughter's degree, when she seemed to party more than study during the first half of Freshman year, I laid out a sliding scale of loan vs GPA. It ended up that I made her take a loan for one semester and grades improved sufficiently that ...
by SDBoggled
Fri Feb 21, 2014 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving a small amount of student debt for child to pay off?
Replies: 45
Views: 2649

Re: Moving from midwest to Australia

I would definitely interview... you can decide later. A few thoughts: "Sydney" has a population of almost $5m and is a big sprawl like Los Angeles, thus there are huge variations in real estate prices. Unfortunately, public school quality correlates fairly highly with real estate prices. A...
by SDBoggled
Fri Feb 21, 2014 3:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from midwest to Australia
Replies: 46
Views: 2312

Re: $1 million portfolio inWilliam Bernstein's asset allocat

Hi, I see nothing wrong with it... I follow something fairly close :happy I split approximating : http://www.merriman.com/PDFs/UltimateBuyAndHold.pdf which I believe on here is referred to as slicing and dicing. I have instructed family they can move to 4 funds if I am no longer able to manage portf...
by SDBoggled
Wed Feb 19, 2014 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: $1 million portfolio inWilliam Bernstein's asset allocation
Replies: 17
Views: 2642

Re: Flipping houses

Hi, I am no expert but I do think it is a bit more deterministic than market timing and IMHO success comes mainly from an almost guarantee of purchasing below market (if market is MLS). A couple of weeks ago I listened to a professional house flipper. As expected it is a very, very, very organized b...
by SDBoggled
Wed Feb 19, 2014 2:17 am
 
Forum: Investing - Theory, News & General
Topic: Flipping houses
Replies: 12
Views: 1397

Re: Front loading retirement plan contributions?

Note that you can also do a mixture... front-end load but leave some in the money market. I think of it like the lump sum vs DCA argument. You could put yourself on a 12 month schedule but say when there is a x% drop in the market - add a few months worth. Both spouse and I do this - worked great in...
by SDBoggled
Tue Feb 18, 2014 9:56 pm
 
Forum: Investing - Theory, News & General
Topic: Front loading retirement plan contributions?
Replies: 31
Views: 2491

Re: Wanting to know if this financial situation is feasible

Hi Zippy 69, I feel sorry you feel unsupported: I'm just a numbers driven person (as are many Bogleheads)... so when you ask: "Is this Feasible?", two very critical numbers are: (1) The lump sum and (2) the expenses. Lots of questions were targeted at getting more confidence at both of the...
by SDBoggled
Tue Feb 18, 2014 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wanting to know if this financial situation is feasible
Replies: 73
Views: 4962

Re: Remodeling Options

Hi, IMHO definitely go for more bids (recommendations from real estate rehabbers? friends). Over the last decade I have done a number of remodels, I found there is a huge variation in bid prices and it is very difficult to ensure apples to apples comparisons. I worked with one GC who gave me all sub...
by SDBoggled
Tue Feb 18, 2014 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Remodeling Options
Replies: 8
Views: 783

Re: cap rate and real estate: should you sell if it apprecia

Hi, I think Cap rate is more commonly applied to multi-family properties where cap rate is fundamental to the market valuation of such properties. The expectation is that any improvements in valuation will show in cap rate. Perhaps your increase in appreciation was mainly attributable to macro marke...
by SDBoggled
Tue Feb 18, 2014 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: cap rate and real estate: should you sell if it appreciates
Replies: 9
Views: 482
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