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Re: Real Estate - 2nd property

Not sure if I read correctly, but it seems the new home is going to be your primary residence and just say that on the mortgage application should mean that you get the owner occupied lower interest rate on the larger loan, so total interest should be less (regardless of whether you re-fi condo)??? ...
by SDBoggled
Wed Mar 04, 2015 12:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Real Estate - 2nd property
Replies: 10
Views: 1101

Re: What if you already have a couple million?

A suggestion, only if you have interest in real estate: is to consider taking some % of the "normal" bond allocation and buy leveraged (if you intend to work for decades) cashflowing real estate (after 50% rule) that has a good chance of appreciation. IMHO real estate can offer the 4% (not...
by SDBoggled
Tue Mar 03, 2015 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: What if you already have a couple million?
Replies: 42
Views: 6542

Re: Buying a home in SF Bay Area

Foster City, Palo Alto, Los Gatos and unknown. I like Bay Area real estate if you are very careful how much you pay, but IMHO you can't have an unknown place of employment, prioritize a short commute and buy. $3200 would easily get you a small clean 3/2 house in East Palo Alto. $450k buy you the hou...
by SDBoggled
Tue Feb 24, 2015 4:15 pm
 
Forum: Personal Consumer Issues
Topic: Buying a home in SF Bay Area [Dumbo]
Replies: 79
Views: 4307

Re: Is "Financial Independence" the new "Retirement?"

If you haven't already found the early-retirement site you might enjoy it, although mostly retired (and want to be ER), they link ER and FI -> FIRE http://www.early-retirement.org/ I have always enjoyed work, so FI is more important than actual retirement as it allows more choice in the how/when/wha...
by SDBoggled
Wed Feb 11, 2015 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: Is "Financial Independence" the new "Retirement?"
Replies: 52
Views: 6910

Re: Where to buy nice men's dress shirts?

Another vote for Brooks Brother non-iron. I am amazed at the way they look, even in the "care" or college boys.

The have different material... I like the oxfords: a bit heavier.
by SDBoggled
Wed Feb 11, 2015 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy nice men's dress shirts?
Replies: 84
Views: 6366

Re: Success stories of NOT buying more/too much house

High cost of living area, relatively great school district - it was "all we could afford". Started with 1200 sq ft, no garage: 3 kids and office in 3 bedrooms meant 2 youngest were in only living room for a year. Slowly used bonuses, savings to: increase to ~1800 sq ft and garage (2 younge...
by SDBoggled
Sun Jan 25, 2015 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Success stories of NOT buying more/too much house
Replies: 65
Views: 6187

Re: Silly to consider buying a home because of interest rate

Seeing we are on an investment forum (and you don't have a strong ownership bias for other reasons), I will chance making the strong recommendation to analyze the home purchase like any investment... and ensure that it be a good one. IMHO a home can be a spectacularly great investment, an exceedingl...
by SDBoggled
Fri Jan 23, 2015 2:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Silly to consider buying a home because of interest rates?
Replies: 29
Views: 2829

Re: Selling a home - 1st timer

Hi, Doesn't sound like you think the real estate market has moved much, but hopefully you will be pleasantly surprised by Spring sales (I don't think you are intending to sell immediately in any case). I beseech you to address all the items you have already noted, they don't sound very time or $ int...
by SDBoggled
Fri Jan 23, 2015 12:32 am
 
Forum: Personal Consumer Issues
Topic: Selling a home - 1st timer
Replies: 26
Views: 2507

Re: Engineered Hardwood

If I was only going to be in the house 3-4 years, my main concern would be resale value. I don't have an answer, but a few comments. IMHO vinyl and laminate would be detrimental to resale (vs wood). While both real hardwood and engineered hardwood are likely to need refinishing. My mid-high engineer...
by SDBoggled
Mon Jan 19, 2015 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Engineered Hardwood
Replies: 29
Views: 2936

Re: Downside of putting condo in a trust

Hi, I am in CA and have a revocable trust to avoid probate... no asset protection, no other discernible advantages. Additional refinance difficulty with (1) mortgage broker and (2) BofA has been minimal from my point of view... need to provide certificate of trust (just one of seemingly millions of ...
by SDBoggled
Thu Jan 15, 2015 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Downside of putting condo in a trust
Replies: 29
Views: 2910

Re: Sellers Won't Fix Leaking Roof; Fear of Additional Damag

I second the recommendation for a tarp... seems it would be very cheap insurance against further damage and headaches.
by SDBoggled
Wed Jan 14, 2015 1:37 am
 
Forum: Personal Consumer Issues
Topic: Sellers Won't Fix Leaking Roof; Fear of Additional Damage
Replies: 58
Views: 5840

Re: Physician owned building versus rent

Small comment: Carefully read the details of the retirement valuation and process. You may want to retire earlier? and certainly want to benefit from any appreciation.
by SDBoggled
Sun Jan 11, 2015 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Physician owned building versus rent
Replies: 16
Views: 1447

Re: In charge of $500k for my mom. Asking for help.

Already have great advice, starting from the top... determine how much she realistically can spend... and a deep dive into Boglehead strategy... you want to fully understand the "whys" so you can determine your own "what to do". Much more important than what follows. Some small r...
by SDBoggled
Sat Jan 10, 2015 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: In charge of $500k for my mom. Asking for help.
Replies: 19
Views: 2159

Re: How do I find the best mortgage refinance rate?

Hi, Years ago I had Meg77 online experience... lots of hoops then rate that was a lot higher than advertized. Good to know that Corleone had a good experience. In my experience the individual has mattered more than the institution. 2014 I had very good experiences with a personally recommended local...
by SDBoggled
Sat Jan 10, 2015 12:06 am
 
Forum: Personal Consumer Issues
Topic: How do I find the best mortgage refinance rate?
Replies: 8
Views: 1706

Re: I see rental properties as bonds. Am I completely off b

So you already have a lot of very informed posts that should be a great checklist for bond characteristics that you may find desirable for your portfolio and I daresay that after managing rental properties for many years, you already have a complete understanding of the differences to bonds/REIT :-)...
by SDBoggled
Fri Jan 09, 2015 11:34 pm
 
Forum: Investing - Theory, News & General
Topic: I see rental properties as bonds. Am I completely off base?
Replies: 28
Views: 2437

Re: Need Advice to buy house or not?

Hi, A couple of thoughts that don't provide an answer, but may help you think about problem in a different way. * If you have kids, who go to college in US and find life partners in US and have kids in US... you may not want to retire in India??? Likliehood of Bangalore retirement would be very near...
by SDBoggled
Sat Jan 03, 2015 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need Advice to buy house or not?
Replies: 8
Views: 1309

Re: Issues selling our house

Hi, As others have noted - IMHO your options will be defined by the contract. In my case/state if the buyer had removed all contingencies and it is past the contract date for closing, the seller can issue a 2 or 3? day "notice to perform" or "notice to close escrow". I think this...
by SDBoggled
Tue Dec 23, 2014 8:16 pm
 
Forum: Personal Consumer Issues
Topic: Issues selling our house
Replies: 14
Views: 2378

Re: Most/Least Boglehead 2014 Activity?

Most Boglehead: - Closed 3 smaller brokerage accounts and moved all funds to Vanguard - Moved an IRA from 1.5% financial planner to Total Market Index So now all funds are at Vanguard inc both 401(k) and both IRAs - First Tax Loss Harvesting this week (2011 emerging markets), thanks to reading about...
by SDBoggled
Wed Dec 17, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 9664

Re: Real Estate or REITs?

Hi, I am not an investing expert but I own more than average percentages of both REIT (14% slice of equities) and real estate (>50% net worth), so seeing that no-one has answered, I will give you my 0.2c contribution. REIT are often offered as a suggestion when someone asks about making a rental rea...
by SDBoggled
Tue Dec 02, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate or REITs?
Replies: 4
Views: 881

Re: Best age to give a young person a gift?

My kids were OK with full control at 21... but I gave them very strong direction... this is to be used for investment/appreciating asset such as home deposit: not car, vacation, consumer items.... for that they have to earn, save (seems to be optional) then spend. One borrowed and repaid over a year...
by SDBoggled
Mon Dec 01, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best age to give a young person a gift?
Replies: 21
Views: 2144

Re: Would you move/stay for better school district?

Hi, You might find this thread useful, it is about a schools in a specific area, but I think the general principles apply. Range of value of school rankings, Value of peer group, Housing cost, Housing appreciation, family priorities. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=130595&a...
by SDBoggled
Sun Nov 30, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Would you move/stay for better school district?
Replies: 55
Views: 4847

Re: Life changing decision... advice needed!

Hi, Glad that you have received so many thoughtful replies. The following story pretty much describes my life, except fishing is not my passion (I'm an engineer who loves to learn and build new stuff): http://bemorewithless.com/the-story-of-the-mexican-fisherman/ For me, financial independence was a...
by SDBoggled
Sat Nov 29, 2014 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life changing decision... advice needed!
Replies: 93
Views: 11410

Re: How did you handle the 2008 bear market ?

I was fully occupied with work and pre-Bogle enlightenment, so 100% stock, predominantly REIT and some small cap. Also at a stage where 401k was set automatically to the maximum allowed from the beginning of year... so happened to put 65% salary into REIT at beginning of 2009. This worked out very, ...
by SDBoggled
Wed Nov 26, 2014 2:15 am
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 79
Views: 7572

Re: Huge salary increase...looking for guidance

(1) Definitely agree with the core or majority in Boglehead, low-cost, market index stocks/bonds (VTI, VB some % total international), slice and dice if you want and in your case probably Munis. (2) I like real estate for diversification. My thinking is that if I can generate just 4% net from real e...
by SDBoggled
Mon Nov 24, 2014 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Huge salary increase...looking for guidance
Replies: 26
Views: 3704

Re: Shower silicone replacement - Price? DIY?

Hi, Sorry I do not understand the leak mechanism... how you know it is leaking and how you know it is the caulk and not the grout. IMHO this is very important for you to understand. My understanding is that for a tiled shower that the vast majority of leak area would be via the grout. Whereas caulki...
by SDBoggled
Mon Nov 17, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Shower silicone replacement - Price? DIY?
Replies: 27
Views: 1845

Re: Is it ever a good idea to co-own real estate with parent

IMHO it depends :happy This doesn't sound like an investment... more like a lifestyle expenditure choice. I think of investment decisions based on quantifiable or at least a range of estimates of likely outcomes. BTW I have nothing against lifestyle choices and family vacations rate among my highest...
by SDBoggled
Fri Nov 14, 2014 4:22 pm
 
Forum: Personal Consumer Issues
Topic: Is it ever a good idea to co-own real estate with parents?
Replies: 20
Views: 1435

Re: Help with Property Development

A couple of thoughts: Convert to condominiums: then can move to each serially before selling. Some cities will allow mini-lot development ie special case by case basis that allows smaller than standard "subdivision". I don't quite understand where you have an issue with spending $200k, but...
by SDBoggled
Thu Nov 13, 2014 9:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Property Development
Replies: 3
Views: 411

Re: Strategies of Cash offer on house

Hi, The other advantage of a cash offer is that it can close in 7-10 days. This makes an offer more competitive than longer closing as seller has a done deal. Obviously, if you want to finance then you probably need at least 21 days and an on the ball loan broker. Where I buy, there are customary sp...
by SDBoggled
Fri Oct 24, 2014 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategies of Cash offer on house
Replies: 5
Views: 813

Re: Daycare educational material for 3 year old

If you care about education, then perhaps investigate Montessori schools. I am not sure that they start as low as 3 and of course just attaching the name Montessori will not guarantee quality, but IMHO well worth some investigation and some "classroom" observation time. My kids had a fanta...
by SDBoggled
Thu Oct 23, 2014 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Daycare educational material for 3 year old
Replies: 10
Views: 942

Re: [Best Option for Early Termination] of Apartment Lease

Since you are already half way there... act like a landlord. Advertise at the same rent or even $50 higher : Find a great tenant, background check, demonstrate 3 x times rent then present to leasing office for their approval - to give new tenant a lease for the remaining months of your lease or long...
by SDBoggled
Wed Oct 22, 2014 10:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Best Option for Early Termination] of Apartment Lease
Replies: 21
Views: 1689

Re: Is investing in real estate worth it?

1) Is it worth it? Yes, only if it is a fit for you. Here is how I think of the math: Yes, if you can purchase and operate real estate at > 8% (long term 60/40 return). Operate includes allocating approximately 40-50% of gross rent for operational expenses excluding financing. This includes reserves...
by SDBoggled
Wed Oct 22, 2014 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is investing in real estate worth it?
Replies: 28
Views: 2764

Re: Advice sought for $6M investment

Vanguard will provide an account manager and also a free personalized plan which IMHO will definitely include munis... you will be able to interact with a planning human and ask specific questions. If you are using the same wizard I have used, there were only about 4 questions, which probably wasn't...
by SDBoggled
Sun Oct 19, 2014 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice sought for $6M investment
Replies: 36
Views: 3887

Re: Anyone here buy land/houses at public auctions

Hi, Title is the biggest risk that I know of. Some auctions are just like a "normal" sale where title is searched and insurance provided, whereas others you cannot insure title for 12 months and are responsible for any title searches before bidding... and lots of cash may be due immediately.
by SDBoggled
Sat Oct 18, 2014 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here buy land/houses at public auctions
Replies: 6
Views: 1103

Re: The SWR on Real Estate Investments

Agreed that withdrawal rate of a 6 CAP rate property as calculated by OP should be 6% (after sufficient reserves are established). This is why I like rental real estate, however just a warning, I have never seen advertised CAP rates calculated to include reserves. Furthermore, CAP rates can be misle...
by SDBoggled
Wed Oct 15, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: The SWR on Real Estate Investments
Replies: 61
Views: 2703

Re: It's a good day to be heavy in REITs

For someone who is well over 10% REIT, cash is looking pretty good :happy
by SDBoggled
Wed Oct 15, 2014 9:29 am
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be heavy in REITs
Replies: 42
Views: 4181

Re: Losing money, please advise

Some great advice so far for OP. Fluctuation won't be visible on chart in few years... keep adding $ if you have any. IMHO even better for those who are DCAing... best price Year to Date or best price in six months in lots of categories. I am happy as it is like being able to go all in at old prices...
by SDBoggled
Mon Oct 13, 2014 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Losing money, please advise
Replies: 36
Views: 5459

Re: Leaning towards buying a 1-BR condo in Bay Area

Just some random ideas:

- 2 bedroom with roommate
- Single family or duplex in less trendy, but still good commute and safe area
- It is well worth studying the neighborhoods in the East Bay... IMHO there are some gems
by SDBoggled
Mon Oct 13, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: Leaning towards buying a 1-BR condo in Bay Area
Replies: 21
Views: 2240

Re: Leaving a legacy

IMHO it is not the inheritance, but the values underlying the expectation of inheritance that are the real issue. I hope I will be successful with my kids so they live the: (1)Earn then (2)Save then (3)Spend and general living below their means values, so that they feel the responsibility to take ex...
by SDBoggled
Thu Oct 02, 2014 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving a legacy
Replies: 63
Views: 4558

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
Sun Sep 28, 2014 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Too many houses?
Replies: 37
Views: 6361

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 7:27 pm
 
Forum: Investing - Theory, News & General
Topic: what is risk?
Replies: 116
Views: 4952

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 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience with big spike in earnings (stock options)
Replies: 8
Views: 1039

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 12:20 pm
 
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 3312

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 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to pay down rental property?
Replies: 12
Views: 907

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 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's the Market Neutral fund good for?
Replies: 47
Views: 6136

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 12:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's the Market Neutral fund good for?
Replies: 47
Views: 6136

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 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: I have 1M in Vanguard. Start Diversifying to Real Estate?
Replies: 41
Views: 6042

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 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 7134

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 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Agreement Regarding Vacation Property
Replies: 21
Views: 1574

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 12:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 122
Views: 19684

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
Sat Aug 09, 2014 11:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a house with cash and then do cash-out refinance?
Replies: 18
Views: 2521
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