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Re: POLL: My home is worth less/more in 2014 than in 2007?

Zillow does not know condition of the house or remodel work. It depends largely on numerical data like sq footage.
by travellight
Mon Jul 28, 2014 8:26 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 82
Views: 4054

Re: Here's another "where should I retire" thread

I was just visiting a friend on Peaks island near Portland, Maine. I could envision having waterfront property anywhere in that area. We went to a dinner party (lobster bake) at a grand home in Cape Elizabeth which would be a dream retirement house to me. I also thought of Lake Tahoe on the no tax N...
by travellight
Thu Jul 24, 2014 7:57 am
 
Forum: Personal Consumer Issues
Topic: Here's another "where should I retire" thread
Replies: 104
Views: 6171

Re: "Being Done" Saving: White Coat Investor blog post

I am also entering the being done savings part. I think I spent 8000 more last year than the year before.
by travellight
Sat Jun 28, 2014 10:29 am
 
Forum: Investing - Theory, News & General
Topic: "Being Done" Saving: White Coat Investor blog post
Replies: 47
Views: 7708

Re: How I win at craps

I am too chicken to try any gambling but am fascinated by your methods and thoroughness of thought processes. Thanks for sharing. Anyone who doesn't like such discussions should not open the thread.
by travellight
Tue Jun 24, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: How I have won at craps
Replies: 20
Views: 2043

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

With all your factors, I would retire. I can see myself not retiring with 5 million but I have a great job.
by travellight
Tue Jun 17, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Made the $5 million club, but...
Replies: 43
Views: 7000

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.
by travellight
Tue Jun 10, 2014 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: The 2 comma paradox
Replies: 155
Views: 14366

Re: The 2 comma paradox

I think the most common boglehead point of view is that pensions and social security are worthless and should not be allowed to have any commas or comma status. I personally believe pension should be counted. SS seems like such a low number that it is hardly worth counting but, sure, that could be ...
by travellight
Sat Jun 07, 2014 11:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: The 2 comma paradox
Replies: 155
Views: 14366

Re: The 2 comma paradox

I also have no idea when I passed the mark but I suspect it was about ten years ago. I have been tracking it more closely since I joined BH and Mint.com.
by travellight
Sat Jun 07, 2014 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: The 2 comma paradox
Replies: 155
Views: 14366

Re: Tesla: How is my financial health? and HELOC vs Loan

Having kids would be a huge factor for me. I agree with all the points as to why it is financially unwise to make this splurge but I might still have considered it if I planned to remain childless. If I were to have a child though, I would have to factor in all the costs that entails including possi...
by travellight
Tue Jun 03, 2014 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Review my financial health. [Was - Tesla: HELOC vs Loan]
Replies: 93
Views: 4972

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

that place looks lovely but Zillow has it at 65k less. Although zillow can be quite off on individual homes, I think they are more accurate on condos and townhouses since they are less unique and there is more sales history. I would only buy if you can afford the entire thing without your GF. You do...
by travellight
Tue Jun 03, 2014 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: should I buy real estate in Boston area? How much to spend?
Replies: 31
Views: 2536

Re: college related advice for 11th grader

I came across this excellent post and thought I would add it to this thread for any who read it in the future who are in a similar position. It nicely explains ED, EA, RD, etc.; all of which I have learned piecemeal on my own but this nicely summarizes it. http://talk.collegeconfidential.com/college...
by travellight
Mon May 26, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: college related advice for 11th grader
Replies: 106
Views: 6690

Re: Real Estate Advice

If those numbers are for real, I'd buy one.

My best unit was 256k and gets $2200/month.
by travellight
Mon May 26, 2014 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Advice
Replies: 26
Views: 2550

Re: Pay rent to spouse?

I would not get too caught up with labels. Main question is if you are happy with your housing and if you are paying a fair and reasonable amount for it. If you were renting this place together, would you pay this same amount?
by travellight
Sun May 25, 2014 9:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay rent to spouse?
Replies: 16
Views: 2209

Re: How do you make your money?

I'm a medical professional. I also have 6 rental properties that net 142k per year (after taxes, insurance, repairs, vacancies, and mortgage interest). I'm a single mom funding an only child to college in over a year at probably 60k/year.
by travellight
Fri May 23, 2014 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you make your money?
Replies: 97
Views: 12809

Re: Best source for cheap airfares?

How is. Matrix better than kayak?
by travellight
Wed May 21, 2014 10:15 pm
 
Forum: Personal Consumer Issues
Topic: Best source for cheap airfares?
Replies: 11
Views: 1261

Re: [residential] Solar Panels [in CA]?

I had one bid last year and was surprised that it would not reduce my bill that much. It was a lease with solar city.
by travellight
Sat May 17, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: [residential] Solar Panels [in CA]?
Replies: 22
Views: 1778

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

Sounds like you are familiar with Northeastern, Jack.
by travellight
Fri May 16, 2014 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: UCLA vs USC Decision [Which college to attend]
Replies: 62
Views: 3623

Re: what is the hardest financial decision?

Savings rate is easy for me, when to retire from a great and well paying job is tough.
by travellight
Thu May 15, 2014 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: what is the hardest financial decision?
Replies: 55
Views: 4979

Re: Can I be a boglehead and join a golf club?

You can certainly do so but I would not unless my kids education is maximally funded as well as retirement.
by travellight
Thu May 15, 2014 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I be a boglehead and join a golf club?
Replies: 70
Views: 4575

Re: Switch car insurance? State Farm vs GEICO

I have had excellent service from geico, I would switch.
by travellight
Thu May 15, 2014 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switch car insurance? State Farm vs GEICO
Replies: 42
Views: 3613

Re: Any benefit to a prenup for us?

I would also do the prenup if only to stipulate no alimony.
by travellight
Tue May 06, 2014 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 3907

Re: My front lawn is horrible

I have lawn issues as well, in my back yard. I am thinking about converting 60-75% of it to hardscape (concrete or brick substrate) and put a gazebo on it. I'll plant arid grasses around the rest of it that will be low maintenance.
by travellight
Sun May 04, 2014 10:35 pm
 
Forum: Personal Consumer Issues
Topic: My front lawn is horrible
Replies: 29
Views: 3138

Re: Real estate vs total stock market

Over the last 22 years, the results should have been something like this (all of these are the cumulative gain over the entire period, apparently what you label as z, not annual): Wellington: 685% gain Total US Stock Market: 618% gain Internationial (Europe): 502% gain Wellesley: 552% gain Total Bo...
by travellight
Sun May 04, 2014 5:15 pm
 
Forum: Investing - Theory, News & General
Topic: Real estate vs total stock market
Replies: 44
Views: 3451

Re: Real estate vs total stock market

Illinidave- so your portfolio is up over 240%? that is fantastic. Mine is only up 35%.
by travellight
Sun May 04, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Real estate vs total stock market
Replies: 44
Views: 3451

Re: Real estate vs total stock market

Portfolio/equities: I calculated net money put in (x), net worth now of the portfolio (y), net gain/appreciation (z, which is y minus x); divided z by x to get % return and divided that by number of years of involvement/contribution to get %return per year. z = 35%, over a 22 year span, I get 1.72% ...
by travellight
Sun May 04, 2014 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: Real estate vs total stock market
Replies: 44
Views: 3451

Re: Real estate vs total stock market

by gronkman » Sun May 04, 2014 3:48 am Most long term RE investors don't count on house appreciation to make their gains. The idea is to buy cheap, get positive cash flow, and let depreciation and principal pay down pay your way to wealth. I like to think of the RE market similar to index funds vs ...
by travellight
Sun May 04, 2014 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: Real estate vs total stock market
Replies: 44
Views: 3451

Re: Mea culpa [100% stock at 50]

by SGM » Thu May 01, 2014 12:53 am It depends on your personal situation whether 100% stock is excessive at 50. If you will need to sell the stock in a downturn or you can't sleep it is a little crazy to be 100%. If you have no need to touch it and do not panic in downturns 100% stock could be just...
by travellight
Sat May 03, 2014 3:09 am
 
Forum: Investing - Theory, News & General
Topic: Mea culpa [100% stock at 50]
Replies: 46
Views: 5355

Re: Real estate vs total stock market

Here are my actual numbers: Equities/portfolio- 1.72%/year Personal homes real estate - 6.5%/year unleveraged. 32%/year leveraged based on 20% down. Investment real estate, unleveraged: 7-16%/year; leveraged is 33-77%/year based on 20% down. This is over a 22 year period so I've had real estate ups ...
by travellight
Sat May 03, 2014 12:33 am
 
Forum: Investing - Theory, News & General
Topic: Real estate vs total stock market
Replies: 44
Views: 3451

Re: Savings Rate what do you include?

When TSM goes up in value for the year, do you count that as savings? I don't. I guess you would if you count appreciation as income. No, I don't count it in my savings just as I don't count real estate appreciation in my savings. Those will contribute to my net worth estimations though. I do count...
by travellight
Fri May 02, 2014 11:46 pm
 
Forum: Investing - Theory, News & General
Topic: Savings Rate what do you include?
Replies: 69
Views: 5468

Re: Real estate vs total stock market

He figures it will pay him his guaranteed income in retirement and he won't have to be concerned about the gyrations of the stock market. It helps him sleep well at night, so I figure it makes sense for him. I see it this way as well. Also, I personally have done better in RE than the market. I loo...
by travellight
Fri May 02, 2014 11:31 pm
 
Forum: Investing - Theory, News & General
Topic: Real estate vs total stock market
Replies: 44
Views: 3451

Re: What's your number?

I am getting better at spending, Homer!
by travellight
Fri Apr 25, 2014 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31479

Re: What's your number?

8 figures by age 58.
by travellight
Wed Apr 23, 2014 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31479

Re: Hit your #, Still want to work, does your savings % chan

I think I am fitting that bill. I have been extremely frugal (85% savings rate) and have hit a. Good number but am not yet debt free. I am spending more on experiences... Front row tickets, dining experiences, nice hotels, etc.
by travellight
Tue Apr 22, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit your #, Still want to work, does your savings % change?
Replies: 47
Views: 5265

Re: Real Estate Investing

It has worked for me but some people prefer to rent and probably wouldn't do well as landlords. Different strokes...
by travellight
Tue Apr 22, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Real Estate Investing
Replies: 11
Views: 1114

Re: Savings Rate what do you include?

I also see it as dickenjb. It may not be perfect but it's the best for me.
by travellight
Tue Apr 22, 2014 10:37 am
 
Forum: Investing - Theory, News & General
Topic: Savings Rate what do you include?
Replies: 69
Views: 5468

Re: Frugality regret: What thing do you regret not spending

by clevername » Thu Apr 17, 2014 7:05 pm I really regret not going inside the Colossium in Rome because I was too cheap to pay the 15 euros to get in. I was 20 doing the whole shoestring backpacking thing but still. Ditto! But I don't even have your excuse of being 20 something, this was only 3-4 y...
by travellight
Fri Apr 18, 2014 2:55 pm
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 112
Views: 16862

Re: Net Worth Survey, 2014 Edition

I am another one who started with zero. My parents had nothing so I self-funded years of education. At age 28, my net worth was negative 25K+. I paid off that debt within 2 years and steadily saved for a decade or two. Invested in some real estate carefully especially in 2007 and 2010. Now, I am wel...
by travellight
Fri Apr 18, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 21795

Re: *poor* Bogleheads

by Silence Dogood » Fri Apr 18, 2014 10:24 am I am young and work in a grocery store. I don't make much less than my parents and I've certainly never been financially wealthy. This forum has helped me immensely. I am 23 and have about $50,000 in tax advantaged retirement accounts. I am now going to...
by travellight
Fri Apr 18, 2014 11:34 am
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 12945

Re: Live Now, Live Later?

If you can live on a 100k per year spending, I would only work for fun now.
by travellight
Thu Apr 17, 2014 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Live Now, Live Later?
Replies: 37
Views: 4440

Re: Looking at top 1% for actionable insight

I just want to chime in and agree with the Op, I would like to see more self-management and more lenient moderating.
by travellight
Tue Apr 15, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking at top 1% for actionable insight
Replies: 73
Views: 9094

Re: How do you walk away from a good job?

I empathize with you, Op. I feel the same way. Lots of good points here.... I think there is a lot of fear of the unknown when the known is quite good. For me, there is also the issue that I worked so hard to get to "work", 14 grueling years of education after high school just to be able t...
by travellight
Wed Apr 09, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you walk away from a good job?
Replies: 38
Views: 5389

Re: 15 year vs 30 year fixed

With high assured income, I would do 20% down and 15 year fixed, or the Penfed 5 year amortized loan (which I got when it was 1.99%). My 15 year fixed is at 2.875% on an investment property, and I have one true variable ARM at 2.55% which I am paying down as rapidly as possible. My goal is to have t...
by travellight
Mon Apr 07, 2014 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: 15 year vs 30 year fixed
Replies: 62
Views: 7189

Re: When does depreciating a rental property save on taxes?

I also appreciate all the expert advice on this thread. Reminds me of the adage "you don't know what you don't know".... now at least I do know what I don't know and can seek to understand it better.
by travellight
Thu Apr 03, 2014 10:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: When does depreciating a rental property save on taxes?
Replies: 70
Views: 4769

Re: Expensive hobbies and possessions? (B/c you can...)

Was shopping at John Varvados and Karen Millen in Soho two hours ago and heading to see Bryan Cranston on Broadway in the front row.
by travellight
Wed Apr 02, 2014 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 13004

Re: (Lack of) Emergency Fund - Are We Crazy?

Yes, I would not feel comfortable with just one typical heloc either. That is why I have two and the second one is a unique loan that resembles a heloc but isn't that exactly.
by travellight
Tue Apr 01, 2014 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: (Lack of) Emergency Fund - Are We Crazy?
Replies: 44
Views: 3589

Re: (Lack of) Emergency Fund - Are We Crazy?

I also don't have an EF. I have two helocs as my EF, and probably 70-90k of cc access.
by travellight
Mon Mar 31, 2014 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Lack of) Emergency Fund - Are We Crazy?
Replies: 44
Views: 3589

Re: investment property pros and cons?

I believe you can have up to 4 mortgages. I have 3. None of them required more than 20% down. My last mortgage was for an investment property and I was able to get a 15 year fixed (my choice) at 2.875% (would have been lower if it was not investment property) and I put 20% down. Agree with all the p...
by travellight
Sun Mar 30, 2014 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: investment property pros and cons?
Replies: 13
Views: 1199
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