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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: 81
Views: 7171

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: 849

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: 2119

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: 4622

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: 91
Views: 10728

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: 6272

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: 3444

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: 1706

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: 1349

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: 402

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: 784

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: 832

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: 1502

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: 2628

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: 3780

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: 1078

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: 2628

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: 4079

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: 5209

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: 2164

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: 4359

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: 23
Views: 3806

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: 4828

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: 1020

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: 3230

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: 883

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: 5997

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: 5997

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: 5973

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: 6268

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: 1562

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: 18884

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: 2440

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 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlording for long-term wealth? Who's doing it?
Replies: 68
Views: 8269

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 10:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Australian - buying international shares fund?
Replies: 7
Views: 479

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
Sun Jul 27, 2014 11:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying property - frank responses requested
Replies: 30
Views: 3649

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 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here flip houses?
Replies: 40
Views: 5019

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 2:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Engineer career change
Replies: 55
Views: 5933

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 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rent Out House or Sell House?
Replies: 9
Views: 1400

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 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which house should we buy?
Replies: 11
Views: 1353

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 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Adult child @ home
Replies: 23
Views: 2223

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 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: investing/personal finance as competitive sport
Replies: 17
Views: 1443

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 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Rental property in asset allocation
Replies: 24
Views: 1249

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 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Rental property in asset allocation
Replies: 24
Views: 1249

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 9:05 pm
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 9238

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 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Establishing new state residency before CA home sale
Replies: 9
Views: 749

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 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: BoA - Paying extra on mortgage principal
Replies: 26
Views: 2682

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
Mon May 26, 2014 11:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: My First BH Post - Real Estate Investing Question
Replies: 12
Views: 1082

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 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: When did you tell your children how much you had amassed
Replies: 135
Views: 11413

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 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to sell daughter our rental property
Replies: 20
Views: 2452
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