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Re: Anyone here flip houses?

#1 most important: You have to have a passion for it. already mentioned in previous post but if you don't have passion, don't do it!! Me personally, I hate it and was sorta forced into from parents/spouse. I hate fixing walls, ceilings, floors, kitchens, plumbing etc. I hate calling contractors to d...
by bogleblitz
Mon Jul 14, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here flip houses?
Replies: 40
Views: 4621

Re: How are you doing through the first half of 2014?

75% stock / 25% bond

5.64% YTD according to personalcapital.com
by bogleblitz
Sat Jul 05, 2014 10:59 am
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 9353

Re: The Millionaire Next Door: Are You One?

Yes, according to the book Milllionaire next door, I'm a PAW (Prodigious Accumulators of Wealth).

I drive a Camry and could afford other cars in cash.
by bogleblitz
Sun Jun 29, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22437

Re: YNAB on sale $15

I saw steam so is this a video game?

I just went to steam and see it for $45. did i miss it? Sounds expensive for a budget program.
by bogleblitz
Thu Jun 26, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: YNAB on sale $15
Replies: 8
Views: 1414

Re: Keeping mold out of bath/shower

I think the OP is the owner/landlord. Not a renter.

Is there a bathroom vent fan? I recommend installing an automatic sensing bathroom vent fan. All the newly build apartments in my area has this installed. I think it's pretty cool.
by bogleblitz
Wed Jun 25, 2014 6:54 pm
 
Forum: Personal Consumer Issues
Topic: Keeping mold out of bath/shower
Replies: 27
Views: 2207

Re: Why buy a car with cash?

if it is 0% then it is a good deal. But most of what I see, it is usually high percentage for car loans. The debate is the same as should I pay off my mortgage early. I find both ways a tie. One wins if stock market goes up with car cash money. One loses if stock market goes down during the 3-5 year...
by bogleblitz
Mon Jun 23, 2014 11:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why buy a car with cash?
Replies: 83
Views: 6090

Re: Is it foolish to attempt to time the housing market?

I have the 100k. Are you saying I should buy right now? Yes but now. Housing is high but I think it will keep going up as long as Mortgage rates are 3-4%. I feel that house prices will stablize once mortage reaches 5-6% which doesn't seem like it will happen this or next year. Also look at prices i...
by bogleblitz
Mon Jun 23, 2014 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you time the housing market?
Replies: 21
Views: 1643

Re: Is it foolish to attempt to time the housing market?

I live near boston and make same salary as you. We should be able to afford a 500k house with 20% down payment which is 100k.
Save 100k and buy a house now.
by bogleblitz
Mon Jun 23, 2014 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you time the housing market?
Replies: 21
Views: 1643

Re: Anyone here use Personal Capital?

To fix non ticker symbols by yourself in Personal Capital, I used this method:

https://support.personalcapital.com/hc/ ... /201170020

Then replace with a similar real ticker symbol. I use Vangard TR 2040 VFORX which is similar to my non ticker 2030.
by bogleblitz
Mon Jun 23, 2014 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 52
Views: 5244

Re: Anyone here use Personal Capital?

I use it and I use mint.com as well. The first thing I did when I signed up was say "Please don't call me". I never got a call from anyone which was great. The investment part is great compared to mint. So I use Personal Capital for investments only. I use Mint for Banks and credit cards o...
by bogleblitz
Sun Jun 22, 2014 11:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 52
Views: 5244

Re: Cost of car compared to Gross Income

The last thing the median earning household should do with their $51,000 income is buy the median priced $30,000 car after taxes. This is exactly my situation right out of college at 21 years old. My salary was around 48k and I bought a 30k Acura TL. Took a 20k loan, 600 monthly payments. I have no...
by bogleblitz
Sat Jun 21, 2014 12:04 am
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4606

Re: synthetic motor oil?

yes, it is worth it. Use what is recommended my the owner manual.

Synthetic motor oil should be changed between 75,000-150,000 miles.

so it last 2 to 3 times longer than regular oil.
by bogleblitz
Fri Jun 20, 2014 11:55 pm
 
Forum: Personal Consumer Issues
Topic: synthetic motor oil?
Replies: 17
Views: 1199

Re: flipping real estate infomercial work?

I heard these seminars teach about using hard money lenders where you can borrow money regardless of your credit. It is higher interest rate. Anyone ever use hard money lenders? I'm surprise the government or FTC haven't shut down these real estate infomercial. I understand flipping real estate can ...
by bogleblitz
Fri Jun 20, 2014 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: flipping real estate infomercial work?
Replies: 20
Views: 1581

flipping real estate infomercial work?

I probably know the answer that it doesn't work. But I seen alot of new flipping informercials show up now at late night. Ones like the hosts from flipping vegas or flip this house. I've seen these real estate informercials from 20 years ago by someone like Carleton Sheets and [some guy - admin Lady...
by bogleblitz
Fri Jun 20, 2014 2:19 am
 
Forum: Personal Finance (Not Investing)
Topic: flipping real estate infomercial work?
Replies: 20
Views: 1581

Re: Personal Life subforum?

I would love a personal life subforum, off topic forum, or any other extra forum. Make it 25 post requirement and 1 month old requirement. other forums usually have a offtopic section. My favorite forum is a videogame forum called neogaf.com. Although I mostly stop playing videogames now, I visit th...
by bogleblitz
Fri Jun 20, 2014 2:05 am
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4701

Re: Avoiding Paypal/Ebay Scam

Sell to high rated buyers only. or sell locally only. you can hand deliver it and meet with the ebay buyer. How does one limit sales to only highly rated buyers? You can't limit to high rated buyers only. I let the auction end and if the buyer is low rated, I refuse to sell it. The buyer might comp...
by bogleblitz
Thu Jun 19, 2014 6:56 pm
 
Forum: Personal Consumer Issues
Topic: Avoiding Paypal/Ebay Scam
Replies: 30
Views: 2063

Re: Avoiding Paypal/Ebay Scam

Sell to high rated buyers only.

or sell locally only. you can hand deliver it and meet with the ebay buyer.
by bogleblitz
Wed Jun 18, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Avoiding Paypal/Ebay Scam
Replies: 30
Views: 2063

Re: To stay a Boglehead, I have to leave Bogleheads.org

I experience the exact same feeling the first half year here. I change my portfolio so many times and got a letter from fidelity 401k saying that I'm banned from trading certain mutual fund for 1 year. I kept visiting this site and kept learning. Eventually I'm no longer swayed by the reits, small c...
by bogleblitz
Wed Jun 18, 2014 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: To stay a Boglehead, I have to leave Bogleheads.org
Replies: 56
Views: 6107

Re: Made the $5 million club, but...

A safe 4% withdraw from 5 million is about $200,000 a year. Do you spend more than $200,000 a year? It is enough if you spend less than $200k a year. Since you are in advertisement, you probably spend more to keep your image. Once you retire, you can spend alot less or move to a cheaper place in new...
by bogleblitz
Mon Jun 16, 2014 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Made the $5 million club, but...
Replies: 43
Views: 7000

Re: how to check in on my investments.

vig and vwo can crash and lose 50% just like an individual stock.

The good news is that you don't need to check on them if you plan to invest for the long term. You can buy them, go to sleep for 20 years like Rip Van Winkle, wake up 20 years later and see how much money it has grown.
by bogleblitz
Sat Jun 14, 2014 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: how to check in on my investments.
Replies: 10
Views: 769

Re: How can this be legal (employers over-riding employee 40

I see nothing wrong and it is for the good of everyone. I wish I knew more about 401k right after college. I was pretty much 401k illiterate the first 10 years of work. From buying 100% company stocks in 401k, buying just money market funds only, contribute only the minumum, and withdrawing everythi...
by bogleblitz
Sat Jun 14, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can this be legal (employers over-riding employee 401k)
Replies: 23
Views: 1767

Re: Any [iPhone] "Apps" you like?

Google Authenticator It creates an additional 6 digit password for gmail that changes every minute. This makes someone trying to steal your gmail account much much harder. Very important especially for people who use online banking, mint, etc.
by bogleblitz
Fri Jun 13, 2014 1:35 am
 
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 50
Views: 3999

Re: The 2 comma paradox

How do you guys get such high ss earnings like 40k per year? I have been a high income earner since 1989 and I will get about 24k per year. He said at 70 years old. The maximum in 2014 at 70 years old is $3,425 https://faq.ssa.gov/ics/support/KBAnswer.asp?questionID=1798 Adjusted for inflation, if ...
by bogleblitz
Tue Jun 10, 2014 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: The 2 comma paradox
Replies: 155
Views: 14357

Re: Another two-comma club member

It does feel really good to have made this milestone, but to be honest I don't feel rich; Same, here. I don't feel rich. I don't fell any different than right out of college when I had 20k student loan and 20k car loan. I guess I can buy a BMW or 100k car in cash or bigger house. But I don't need a...
by bogleblitz
Tue Jun 10, 2014 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another two-comma club member
Replies: 30
Views: 3349

Re: should I buy real estate in Boston area? How much to spe

I'm probably a clone of you OP. I'm in tech, make similar salary, live near Boston.

Yes, I recommend buying if you plan to stay in the same location for the next 5 years. You can afford a 500k-600k house.
by bogleblitz
Mon Jun 02, 2014 1:58 am
 
Forum: Personal Finance (Not Investing)
Topic: should I buy real estate in Boston area? How much to spend?
Replies: 31
Views: 2536

Re: Air Voice Wireless initial experience

I would set things back to default settings. It should not take long to reload everything.

I also recommend visiting howard forums for more tips:
http://www.howardforums.com/forumdispla ... 1-Airvoice
by bogleblitz
Sun Jun 01, 2014 2:24 am
 
Forum: Personal Consumer Issues
Topic: Air Voice Wireless initial experience
Replies: 4
Views: 533

Re: Newbie trying to invest for the first time.

I definitely recommend reading atleast 1 book:

http://www.bogleheads.org/wiki/Books:_r ... nd_reviews

Great start so far.
by bogleblitz
Sat May 31, 2014 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie trying to invest for the first time.
Replies: 14
Views: 642

Re: Timing with the market at the high?

You did not mention your desire AA (Asset Alocation). Is your 401k 100% in stocks? I'm assuming your 10k is after tax money. If you want to buy bonds. I recommend using the 10k to buy VTSAX (Vanguard total market). Then on that same day in 401k, transfer 10k from equities to bonds. You are therefore...
by bogleblitz
Sat May 31, 2014 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Timing with the market at the high?
Replies: 26
Views: 2683

Re: Would you work without pay?

Yes, I would work for free.


But then when I find out my colleagues are being paid 100k+ a year and I get nothing. I probably will quit soon.

If everyone was working for free, I would definitely do it.
by bogleblitz
Fri May 30, 2014 12:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you work without pay?
Replies: 63
Views: 4016

Re: TrueCrypt possibly compromised/unsafe to use.

BigFoot48 wrote:I get a newsletter, Windows Secrets, and they recently had an article recommending the compression program 7-Zip as a file and folder encryption tool. http://windowssecrets.com/top-story/bet ... ndows-pcs/


I use 7-zip and encrypt. Free, opensource, easy to use.
by bogleblitz
Thu May 29, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: TrueCrypt possibly compromised/unsafe to use.
Replies: 61
Views: 5815

Re: What's the downside to eliminating REIT?

There is no downside. The 3 fund portfolio that is popular here has no REIT.

KISS. Keep it simple.
by bogleblitz
Tue May 27, 2014 1:58 am
 
Forum: Investing - Help with Personal Investments
Topic: What's the downside to eliminating REIT?
Replies: 10
Views: 1152

Re: My First BH Post - Real Estate Investing Question

A $450,000 property should get atleast $4,500 monthly rent to be a good deal.

Depending on the location, this may or may not be easily attainable. Your deal seems average, not great, not terrible.
If you have property management experience, then you know what you are getting into. Go for it.
by bogleblitz
Tue May 27, 2014 1:53 am
 
Forum: Investing - Help with Personal Investments
Topic: My First BH Post - Real Estate Investing Question
Replies: 12
Views: 1071

Re: Worst "Large purchase" ever?

It wasn't 10k worth. My worst purchase would be an engangement ring bought for 5,000 on a cruise trip.

gambling money would also come in mind but not 10k worth.
by bogleblitz
Sat May 24, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Worst "Large purchase" ever?
Replies: 110
Views: 11634

Re: Best way to rent a car for 14-16 days

Make sure you rent from a place that lets you drive out of state or out of country depending where you are going. Some only lets you stay within 3 states.
by bogleblitz
Wed May 21, 2014 3:39 pm
 
Forum: Personal Consumer Issues
Topic: Best way to rent a car for 14-16 days
Replies: 14
Views: 1726

Re: Is now a bad time to invest?

I have no idea if now is a good time to invest. I invest for 10+ years.

Buy and hold.

If you have new money and are afraid. Then dca (dollar cost averaging) the money into your desire AA.
by bogleblitz
Tue May 20, 2014 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is now a bad time to invest?
Replies: 100
Views: 8598

Re: CNBC - [Among millionaires, 4% are doctors]

"20% of all sick days are on Friday" from a Dilbert comic article, is the first thing I thought of when I read this title.

I'm not surprised at all. Maybe because I already read the book Millionaire next door.
by bogleblitz
Sat May 10, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: CNBC - [Among millionaires, 4% are doctors]
Replies: 100
Views: 10852

Re: What it’s like be 100 years old

Seeing both my grandmothers having amnesia in their 80s and stay in nursing homes. I feel like I don't want to live past 80 years old.
by bogleblitz
Tue May 06, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: What it’s like be 100 years old
Replies: 50
Views: 6024

Re: How to gently offer property to tenants? Advice please

If you have their phone number/email. I'll call them up, text, or email them myself. Renters usually have no money to buy so they are renting. Not sure why you have to sell to the current tenant and you won't get the best price. if you want to sell it, then sell it the normal way through real estate...
by bogleblitz
Mon May 05, 2014 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to gently offer property to tenants? Advice please
Replies: 16
Views: 1392

Re: Ordering new blank checks

My own bank cost about $20 if I order it online at their own bank website.

It is free if I visit the their local bank.
by bogleblitz
Mon May 05, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: Ordering new blank checks
Replies: 36
Views: 1876

Re: Apple, Samsung, or Xiaomi smartphone?

nothing new. There are already alot of cheaper phones coming to USA or already here. Asus Zenfone 4,5,6. Nexus 4,5. Motorola G. All can be bought 3 times cheaper than iphone 5c.
by bogleblitz
Sun May 04, 2014 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Apple, Samsung, or Xiaomi smartphone?
Replies: 5
Views: 605

Re: caribbean cruise with children

Compare prices at travelocity or directly from disney http://disneycruise.disney.go.com.

I would be careful about buying from a website no one ever heard of to get the lowest price.
by bogleblitz
Sun May 04, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: caribbean cruise with children
Replies: 29
Views: 1644

Re: Ally checking account

I have Ally. As a landlord, I definitely need a local bank.

local bank for cash deposits, cash withdraws ($2000 cash for a vacation out of the country), Money order deposit (online banks don't take money orders images), cashiers check/bank check if needed.
by bogleblitz
Sun May 04, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: Ally checking account
Replies: 20
Views: 1701

Re: Bloomberg: U.S. stocks will fall 11 percent !

I bet it will go up 11% next month once you see an article like this.
by bogleblitz
Fri May 02, 2014 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: Bloomberg: U.S. stocks will fall 11 percent !
Replies: 12
Views: 1525

Re: KeePass vs LastPass

Both are equally great and you can't go wrong with either one.

I use keepass.
by bogleblitz
Thu Apr 10, 2014 10:56 am
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 8686

Re: HTTPS [Request to implement HTTPS for this site]

I bet more than 50% of the bogleheads here don't know what https is and don't care.

Most popular forums I visit don't have https either so I don't see it as a problem.
by bogleblitz
Fri Apr 04, 2014 12:41 am
 
Forum: Forum Issues and Administration
Topic: HTTPS [Request to implement HTTPS for this site]
Replies: 52
Views: 7471

Re: Mr. Money Mustache: Hero or Foolish?

Neither. There are a few things I admire: 1. His annual spending is $25k. Mines is twice that and I thought I was frugal. This makes him like a boglehead since he lives below his means. 2. He has a passion to build and fix houses. I wish I did, but I hate fixing and building houses even though I own...
by bogleblitz
Mon Mar 31, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 255
Views: 33925

Re: What age did you reach 100K networth?

29. Then I put all that money into down payment of my first house in 2007
by bogleblitz
Fri Mar 28, 2014 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 33832

Re: Boglehead's view on Real Estate investing

My dad did this while I was growing up......thus I will never do it. What I observed: Tenants not paying rent for months. Tenants moving out and leaving a couple dumpsters worth of their junk (although I did get a guitar amp speaker cabinet once) :) Refurbishing time and expense. Tenants calling up...
by bogleblitz
Wed Mar 19, 2014 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead's view on Real Estate investing
Replies: 31
Views: 3001

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

I have passed up promotion to Associate Principal Engineer several times. Isn't Associate Principal Engineer still an engineer and not a manager? I'm a software programmer and I enjoy my work. I don't see myself retiring early to quit my job. When I retire, I probably will still do something comput...
by bogleblitz
Sun Mar 16, 2014 2:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 11081

Re: How did you decide how much to save?

We did not decide how much to save, we decided how much we need to spend, and then what was left over after taxes gets saved. This sums it up for me. This sums it for me too. The first few years out of college, nothing much was saved because everything goes to student loans and expensive luxury ite...
by bogleblitz
Thu Mar 13, 2014 11:19 pm
 
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 9769
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