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by SDBoggled
Mon May 25, 2015 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: $4500 reasonable for wills for blended family and some trusts?
Replies: 38
Views: 1940

Re: $4500 reasonable for wills for blended family and some trusts?

We paid about this, no blended family. Although a DIYer, I opted for specialist estate attorney rather than NOLO or Corporate generalist as I figured I did not know what I didn't know. They answered all my questions and I hope they will still be a good resource for my family as many critical tax pla...
by SDBoggled
Fri May 22, 2015 10:57 pm
Forum: Personal Consumer Issues
Topic: Teaching maths to a 4 year old
Replies: 31
Views: 2356

Re: Teaching maths to a 4 year old

I will second researching Montessori methods and toys/tools. My 4 year old (intelligent but nothing extraordinary) went to a Montessori preschool and could keep doubling... at least to 4096. I thought it was cool but don't remember the exact toys/tools they used for maths. I was even more impressed ...
by SDBoggled
Fri May 15, 2015 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: My Home: Renovate or get out?
Replies: 13
Views: 1508

Re: My Home: Renovate or get out?

Just some random thoughts: If there is "nothing affordable to buy" then I would lean to keeping it as this sounds like a decent indicator for rental and at least temporary principal. Need to know expected rent, presumably significantly more than 1 bed condo? I live in a v.HCOL area so 8300...
by SDBoggled
Wed May 13, 2015 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Closing on house in less then 30 days- bad idea?
Replies: 24
Views: 2039

Re: Closing on house in less then 30 days- bad idea?

Hi, I didn't do a thorough reading so not sure about other contingencies, but IMHO, from the seller's point of view: If you remove all contingencies ASAP then you have "accepted all the risk" and demonstrated your earnest desire to close, so the 21 to 30 day is not a huge deal, just anothe...
by SDBoggled
Sat May 09, 2015 9:19 pm
Forum: Personal Consumer Issues
Topic: Brand Loyalty
Replies: 60
Views: 3982

Re: Brand Loyalty

Not sure I have loyalty , but I have repeat brand/product combos that I prefer and will include as the "value to beat" in any future purchase comparisons. Dewalt cordless tools (bit of lock-in due to battery) Brooks brothers non-iron shirts, many of their other styles, don't appeal Trader ...
by SDBoggled
Tue May 05, 2015 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: How do you keep track of your investments?
Replies: 48
Views: 3013

Re: How do you keep track of your investments?

You might find finance.google.com useful as it lets you create portfolios and add purchases. Advantage is that it is very easy to get daily pricing and requires very little effort to maintain: for each purchase just enter qty date and price. Downside is that it doesn't handle dividends well and also...
by SDBoggled
Sat Apr 25, 2015 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Investing rental income?
Replies: 9
Views: 911

Re: Investing rental income?

My simplistic analysis was: 'Could I beat my expected return of my stock/bond portfolio with "similar", acceptable risk'. It was a close decision for me and result is still to be determined, but I ended up buying more real estate. If everything goes ideally, monthly rent will be 1% of purc...
by SDBoggled
Tue Apr 21, 2015 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Total Cost of Buying a New Home vs 30 or 80-Year Old Homes?
Replies: 16
Views: 1397

Re: Total Cost of Buying a New Home vs 30 or 80-Year Old Hom

I would definitely go for new home option with your math, and make it look like an old home. If you do a proper job about bringing an old home up to new, it is very easy to spend $150k+ upgrading older homes (think new plumbing, wiring, roof, stucco, heating, foundation + all the normal visible stuf...
by SDBoggled
Tue Apr 21, 2015 11:39 am
Forum: Personal Finance (Not Investing)
Topic: How to evaluate different personal asset protection methods?
Replies: 4
Views: 462

Re: How to evaluate different personal asset protection meth

If you intend to acquire more rental properties, you might consider holding them in individual Title Holding Trusts or Land Trusts. This offers protection from lawsuits originating from that specific rental property in that you, the beneficiary, are not named in public docs and if they can't find yo...
by SDBoggled
Mon Apr 20, 2015 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Property Questions
Replies: 2
Views: 398

Re: Investment Property Questions

Hi, EasilyConfused gave a good summary. Leverage/risk is a personal choice, but IMHO leverage, above average deal or above average risk is required to beat stock market returns. It may be an interesting exercise to compare your real estate returns (excl maintenance reserves) to total stock market. I...
by SDBoggled
Tue Apr 14, 2015 10:58 pm
Forum: Personal Consumer Issues
Topic: Input wanted from BMW owners
Replies: 44
Views: 4498

Re: Input wanted from BMW owners

Hi, +10000 for an good independent repairer, we found ours via yelp and love him. e.g $5k estimate from dealer... but only fix that was needed was the cross threaded drain plug. We opted to replace the oil pan as wanted to keep car forever but could have gone a lot cheaper with just the plug repair....
by SDBoggled
Thu Apr 09, 2015 10:55 pm
Forum: Personal Consumer Issues
Topic: Best artificial plants?
Replies: 18
Views: 1723

Re: Best artificial plants?

I really like the quality from https://ndi.com/ and the email customer service was also fantastic.

I bought a couple of orchids that don't look fake... pass the critical eyes of my kids.
by SDBoggled
Wed Apr 08, 2015 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 14102

Re: Family member asking for money

We have been in a similar situation for 10+ years... with amounts getting larger. My close relative does not directly ask for money but describes their $ difficulties in great detail and expectation is definitely there. I thought it was the right thing to continue giving gifts without any discussion...
by SDBoggled
Sun Apr 05, 2015 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Buy more expensive house to improve financial situation?
Replies: 37
Views: 4945

Re: Buy more expensive house to improve financial situation?

Hi, Sounds like you are considering changing your taxable your asset allocation from 100% stocks/bonds??? to 100% real estate: with no rent return (principal residence imputed rent currently covered) based on the expected appreciation on your new principal residence exceeding the return of your taxa...
by SDBoggled
Wed Mar 04, 2015 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Real Estate - 2nd property
Replies: 10
Views: 1190

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
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: 6867

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 Feb 24, 2015 4:15 pm
Forum: Personal Consumer Issues
Topic: Buying a home in SF Bay Area [Dumbo]
Replies: 79
Views: 4846

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
Wed Feb 11, 2015 10:50 pm
Forum: Investing - Theory, News & General
Topic: Is "Financial Independence" the new "Retirement?"
Replies: 52
Views: 7173

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 8:12 pm
Forum: Personal Consumer Issues
Topic: Where to buy nice men's dress shirts?
Replies: 84
Views: 6836

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
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: 6361

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
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: 2859

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 12:32 am
Forum: Personal Consumer Issues
Topic: Selling a home - 1st timer
Replies: 26
Views: 2655

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
Mon Jan 19, 2015 5:52 pm
Forum: Personal Consumer Issues
Topic: Engineered Hardwood
Replies: 29
Views: 2976

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
Thu Jan 15, 2015 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Downside of putting condo in a trust
Replies: 29
Views: 2979

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
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: 6172

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
Sun Jan 11, 2015 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Physician owned building versus rent
Replies: 16
Views: 1479

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
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: 2197

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 12:06 am
Forum: Personal Consumer Issues
Topic: How do I find the best mortgage refinance rate?
Replies: 8
Views: 1926

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
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: 2519

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
Sat Jan 03, 2015 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice to buy house or not?
Replies: 8
Views: 1339

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
Tue Dec 23, 2014 8:16 pm
Forum: Personal Consumer Issues
Topic: Issues selling our house
Replies: 14
Views: 2438

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
Wed Dec 17, 2014 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 9904

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
Tue Dec 02, 2014 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate or REITs?
Replies: 4
Views: 919

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
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: 2161

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
Sun Nov 30, 2014 1:07 pm
Forum: Personal Consumer Issues
Topic: Would you move/stay for better school district?
Replies: 55
Views: 5008

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
Sat Nov 29, 2014 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Life changing decision... advice needed!
Replies: 93
Views: 11749

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
Wed Nov 26, 2014 2:15 am
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 79
Views: 7957

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
Mon Nov 24, 2014 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Huge salary increase...looking for guidance
Replies: 26
Views: 3725

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 17, 2014 4:36 pm
Forum: Personal Consumer Issues
Topic: Shower silicone replacement - Price? DIY?
Replies: 27
Views: 1883

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
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: 1463

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
Thu Nov 13, 2014 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Property Development
Replies: 3
Views: 422

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
Fri Oct 24, 2014 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Strategies of Cash offer on house
Replies: 5
Views: 824

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
Thu Oct 23, 2014 12:14 pm
Forum: Personal Consumer Issues
Topic: Daycare educational material for 3 year old
Replies: 10
Views: 968

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
Wed Oct 22, 2014 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: [Best Option for Early Termination] of Apartment Lease
Replies: 21
Views: 1724

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 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is investing in real estate worth it?
Replies: 28
Views: 2912

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
Sun Oct 19, 2014 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Advice sought for $6M investment
Replies: 36
Views: 3988

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
Sat Oct 18, 2014 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone here buy land/houses at public auctions
Replies: 6
Views: 1112

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
Wed Oct 15, 2014 10:24 am
Forum: Investing - Theory, News & General
Topic: The SWR on Real Estate Investments
Replies: 61
Views: 2800

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 9:29 am
Forum: Investing - Theory, News & General
Topic: It's a good day to be heavy in REITs
Replies: 42
Views: 4309

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
Mon Oct 13, 2014 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Losing money, please advise
Replies: 36
Views: 5538

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...

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