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Re: Too many houses?

Hi, If you are calculating CAP rate on the current appreciated valuations (and allowing reserves for long term maintenance), then unless you want to sell because you find the management onerous, I wouldn't sell unless I could beat the returns in another "similar-risk" (for you to judge) in...
by SDBoggled
Mon Sep 29, 2014 12:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Too many houses?
Replies: 23
Views: 3605

Re: what is risk?

Just wanted to thank CyberBob for the Buffet quote, pkcrafter for the Oakmark doc and skeptic88 for the original post. As an engineer pretty comfortable with standard deviation, I never felt that SD worked well as a measure for my interest in risk. Since I am a not yet retired, buy and hold, never s...
by SDBoggled
Sun Sep 28, 2014 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: what is risk?
Replies: 115
Views: 3984

Re: Experience with big spike in earnings (stock options)

We generally aim to live on a single salary. Second salary, bonuses, options generally go toward appreciating assets or investment (Bogle value home improvements, rental property, loan paydown)... can see this in growth of networth. Unfortunately, there has also been significant discretionary expend...
by SDBoggled
Sun Sep 28, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience with big spike in earnings (stock options)
Replies: 8
Views: 953

Re: favorite brand name products

Brooks Brothers non-iron oxford shirts, of course I buy them on sale. Truly amazing technology that allows them to look great when "cared for" by college boys.
by SDBoggled
Sun Sep 28, 2014 1:20 pm
 
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 2681

Re: Is it safe to pay down rental property?

IMHO accelerated paydown is an outcome of working out personal investment priorities. Holding time; cashflow requirements; alternative uses for money etc. IMHO housing crash for comfortable cashflowing properties with adequate reserves [roofs :-)] - should be barely a blip (a minor cut in rent or a ...
by SDBoggled
Thu Sep 11, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to pay down rental property?
Replies: 12
Views: 859

Re: What's the Market Neutral fund good for?

Cash wrote:
packer16 wrote:the expense ratio is only 25bp


Where do you see that?


https://personal.vanguard.com/us/funds/ ... =INT#tab=3

Market Neutral Investor* 1.60%
by SDBoggled
Sat Aug 30, 2014 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's the Market Neutral fund good for?
Replies: 47
Views: 5755

Re: What's the Market Neutral fund good for?

Hi, I am interested in something like cash (have funds for possible real estate purchase), with little interest rate risk (bonds) and this seems to fit except for the 4 risk rating and $250k seems a bit of a big bet too. Also VG says 1.6% ( Excluding borrowing and dividend expenses on securities sol...
by SDBoggled
Sat Aug 30, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's the Market Neutral fund good for?
Replies: 47
Views: 5755

Re: I have 1M in Vanguard. Start Diversifying to Real Estate

Just a follow up question to my original post, but what about tax advantages of reinvesting the proceeds from the sale of the house, that can be deferred if reinvested into other properties? Given that, would that change the general advice of switching over and investing in Vanguard, compared to re...
by SDBoggled
Sat Aug 30, 2014 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: I have 1M in Vanguard. Start Diversifying to Real Estate?
Replies: 41
Views: 5783

Re: Kaiser vs Blue Shield

When I was diagnosed with breast cancer five years ago, I had Humana insurance, which is comparable to Blue Shield. It was absolutely awful having to go to this doctor over there, that doctor over here, chemo here but radiation over there, and check and double-check ... Sorry to hear about your bre...
by SDBoggled
Mon Aug 25, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5612

Re: Agreement Regarding Vacation Property

Hi, I recommend at least reviewing a full partnership agreement as it may cover issues you have not yet thought of. The one we used was capable of handling a syndication with both active and passive members. I expect to handle all property issues by a quick email or phone call and don't intend to ut...
by SDBoggled
Mon Aug 25, 2014 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Agreement Regarding Vacation Property
Replies: 21
Views: 1540

Re: Affording a 1.3 million home?

Hi, The homes that we are liking with all the features/location are now in 1.3-1.4million range :( IMHO you can definitely afford it - you already have saved a very large % of the house value. Bay Area vs San Diego is a personal lifestyle choice. Here is a strategy for your consideration: Instead o...
by SDBoggled
Sun Aug 10, 2014 1:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 105
Views: 11308

Re: Buy a house with cash and then do cash-out refinance?

IMHO the main advantage to a cash offer is that you can also reduce the closing time: e.g. 10 day closing, which makes a v. competitive offer, no contingencies. You can then do a refi after 4 (BofA) or 6 month (2011 Wells Fargo) seasoning period if you only want the purchase price valuation and I do...
by SDBoggled
Sun Aug 10, 2014 12:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy a house with cash and then do cash-out refinance?
Replies: 18
Views: 2302

Re: Landlording for long-term wealth? Who's doing it?

For those who are satisfied, I would like to see what they think their returns are, and if they are using good methodology and considering depreciation and etc. Hi Denovo, 4 properties bought at about 1 per year since 2009 - a conservative 70% total return most of this in appreciation. Of course I ...
by SDBoggled
Wed Jul 30, 2014 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlording for long-term wealth? Who's doing it?
Replies: 68
Views: 7809

Re: Australian - buying international shares fund?

Hi,

Just a warning to watch unhedged international funds when/if the Australian dollar is low. In the early 2000s the AUD was at 0.52 and by the end of the decade it was over 1.00.

IMHO this would completely swamp any benefit of owning unhedged international funds.
by SDBoggled
Wed Jul 30, 2014 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Australian - buying international shares fund?
Replies: 6
Views: 310

Re: Buying property - frank responses requested

Hi, With the minimum amount of information provided I would suggest that you investigate covering the children through college and maybe a bit longer for wife with term life insurance. I think the annual charge for term life can very cheap compared to e.g <<< 1 months rent in San Diego. Presumably w...
by SDBoggled
Mon Jul 28, 2014 12:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying property - frank responses requested
Replies: 30
Views: 3534

Re: Anyone here flip houses?

I will give a third? recommendation to Biggerpockets - they have flip cost estimating calculators and many, many experienced flippers. I think they recommend buying (inc fixing costs) at 70% of your after repair valuation (ARV) to give yourself enough margin of safety. I think this is very hard to d...
by SDBoggled
Mon Jul 14, 2014 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here flip houses?
Replies: 40
Views: 4718

Re: Engineer career change

Hi, Depends upon your interests... I subscribe to the view that if you love what you do - it doesn't feel like work. If you have an MBA, marketing is a pretty easy transition as you can make the move gradually from outside in Product Marketing with lots of technical content; to less and less technic...
by SDBoggled
Sat Jul 12, 2014 3:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Engineer career change
Replies: 55
Views: 5694

Re: Rent Out House or Sell House?

Hi, Yes a good problem to have. A couple of questions for your consideration... but sorry no answers: (0) Will you need the cash or borrowing capacity for anything else in the short term? (1) What is your expected appreciation going forward. In some markets it would be wise to ignore any possibility...
by SDBoggled
Wed Jul 09, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rent Out House or Sell House?
Replies: 9
Views: 1355

Re: Which house should we buy?

If all other things are equal (personal priorities), I will throw in some other considerations: Which is going to be the best long term investment? This may be the one in the better school district? It may be the one in the better neighborhood - higher priced neighbors? Which one will have the highe...
by SDBoggled
Mon Jul 07, 2014 7:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which house should we buy?
Replies: 11
Views: 1311

Re: Adult child @ home

Hi, IMHO this is a fundamental values issue.... very difficult to change after so many years for your wife/daughter. I started in earnest with my daughter's budget in 6th grade with pretty continuous reminders... she still finds being responsible for all her own costs after college pretty difficult....
by SDBoggled
Fri Jul 04, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Adult child @ home
Replies: 23
Views: 2175

Re: investing/personal finance as competitive sport

As others have mentioned, I definitely think of it like a game, where I most definitely keep score but it all about the Personal Best. Others are definitely going to have a better return... all they have to do is take more risk!
by SDBoggled
Wed Jul 02, 2014 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: investing/personal finance as competitive sport
Replies: 17
Views: 1434

Re: Rental property in asset allocation

I am using rent to pay down mortgages (reduce risk) not buy stocks. . Why would you think this would reduce risk? Sorry I probably misspoke - my idea is that by reducing leverage, I reduce the need for cash out, which allows me to e.g. easily lower rents and maintain vacancy (cash in) during econom...
by SDBoggled
Wed Jul 02, 2014 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Rental property in asset allocation
Replies: 24
Views: 1201

Re: Rental property in asset allocation

Hi, I don't think of my single family rentals strictly as an allocation like e.g. small cap due to following differences that I see: - huge rebalancing increments - 6% rebalancing costs - I am more mindful of cashflow % (stock dividend proxy) compared to appreciation (capital gain proxy) due to the ...
by SDBoggled
Wed Jul 02, 2014 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Rental property in asset allocation
Replies: 24
Views: 1201

Re: What Do You Eat For Snacks?

Quest Bars. Flavors differ in calorie count but I like chocolate peanut butter 160 cal 17g fiber, 2g sugar, 20g protein. I find these far more satisfying than any other 160 cal snack (fiber?) and I prefer then to other bars as they seem less sweet. My other regular snack is Kettle brand potato chips...
by SDBoggled
Mon Jun 16, 2014 10:05 pm
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 8937

Re: Establishing new state residency before CA home sale

Hi,

I think that, once you exceed the principal residence exemption, I believe you can 1031 the balance into a rental property... but it is on my To Do List to understand the details, so I may be wrong.
by SDBoggled
Wed Jun 04, 2014 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Establishing new state residency before CA home sale
Replies: 9
Views: 696

Re: BoA - Paying extra on mortgage principal

Hi,

The way we did it was to adjust the automatic payment. I guess this means you would have to adjust it in 10 months time to set it back.
by SDBoggled
Tue Jun 03, 2014 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: BoA - Paying extra on mortgage principal
Replies: 26
Views: 2626

Re: My First BH Post - Real Estate Investing Question

Hi, Would you mind explaining how the Land Sale contract avoids Capital Gains - my Googling failed. I think it is good to separate the specific deal analysis from the financing - what is the return if you paid cash. (leverage and cash on cash return can be looked at separately) My calcs agree with S...
by SDBoggled
Tue May 27, 2014 12:24 am
 
Forum: Investing - Help with Personal Investments
Topic: My First BH Post - Real Estate Investing Question
Replies: 12
Views: 1075

Re: When did you tell your children how much you had amassed

I don't know enough to give you advice... but here is what I did: If my kids (from mid teens) could be bothered they would know as much as I do about our net worth, as I shared the tracking file. I see no relationship between our net worth... and their wealth. They can earn, save and can spend what ...
by SDBoggled
Sun May 18, 2014 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: When did you tell your children how much you had amassed
Replies: 135
Views: 11188

Re: Best way to sell daughter our rental property

Hi, Sorry I don't have answers to these questions, but I would also be concerned with how the gift might affect child support (if any) and how it might be protected through another marriage possibly with other children. At a minimum I would ensure that she have a will and be extra careful if it is a...
by SDBoggled
Fri May 16, 2014 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to sell daughter our rental property
Replies: 20
Views: 1981

Re: UCLA vs USC Decision [Which college to attend]

Hi, I would highly recommend you go to UCLA and ensure you cover all accounting requirements to be a CPA as well as anything else that interests you...(and put tuition difference into index funds) ... BTW I paid for a USC education (kid) and while happy with the value (after aid), IMHO I strongly do...
by SDBoggled
Fri May 16, 2014 2:38 am
 
Forum: Personal Finance (Not Investing)
Topic: UCLA vs USC Decision [Which college to attend]
Replies: 62
Views: 3825

Re: heirs and bequest motivation

So far and for quite a few more years, $ flow will be into college fees and living expenses for 3 kids. Only one child has recently become independent, so I haven't been faced with any significant gifting decisions yet. I know I definitely want to see a full commitment to LBYM: with means defined by...
by SDBoggled
Sat May 10, 2014 11:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: heirs and bequest motivation
Replies: 52
Views: 3838

Re: How to find Estate Planning Attorney

Yelp worked for me. Even though I am DIY, IMHO probate avoidance in CA is sufficiently large $ incentive to warrant a trust and I was happy to pay someone to ensure I had not missed anything. I thought I had covered everything in the initial email (we are about as simple as you can get with having k...
by SDBoggled
Tue May 06, 2014 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find Estate Planning Attorney
Replies: 6
Views: 1148

Re: True cost of owning a house

Hi, I did not study your analysis as others have done a pretty good job - just wanted to support your conclusions. Costs of buying/selling are so large for buying that it tends to swamp returns for what I consider short holding periods. Like 100% stocks, I would generally expect a buy (vs rent) deci...
by SDBoggled
Wed Apr 30, 2014 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: True cost of owning a house
Replies: 47
Views: 3535

Re: Most reliable way to double a portfolio in 12 years

This is not the answer the OP was looking for, but I honestly think that the least risky (for the right person :happy ) would be an investment property with the required rent return above operational costs excluding financing (conservatively estimated at 50% of rent) and insurance. BTW I would not r...
by SDBoggled
Tue Apr 29, 2014 9:02 pm
 
Forum: Investing - Theory, News & General
Topic: Most reliable way to double a portfolio in 12 years
Replies: 55
Views: 14873

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: 2417

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: 1125

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: 2762

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: 1567

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: 13324

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: 1226

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: 1678

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: 5161

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: 69
Views: 6382

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: 2434

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: 25
Views: 4219

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: 11207

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: 3503

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: 93
Views: 10154

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: 2699

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: 2770
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