Search found 345 matches

by SDBoggled
Tue Dec 29, 2015 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Out-of-State Real Estate Purchase for Rental and Eventual Primary Residence
Replies: 5
Views: 439

Re: Out-of-State Real Estate Purchase for Rental and Eventual Primary Residence

IMHO analysis like this should be done with numbers. The difficulty is that numbers like appreciation rate are more art/skill/judgement than science. Perhaps run your NYT calculator for your prospective investment area as a check of ROI?... and get a local successful real estate investor to check yo...
by SDBoggled
Tue Dec 29, 2015 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Rental property deal - good / ok / bad
Replies: 23
Views: 1943

Re: Rental property deal - good / ok / bad

For what it it worth, I would think Renue74 net cash of $550/month on $50k is a good return, even the $320/month (presumably conservative calc) is an OK cash on cash return, especially when combined with another 4% appreciation. A bit late now, but I hope you estimated appreciation across a couple o...
by SDBoggled
Thu Dec 17, 2015 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: 5 year Silicon Valley Plan - Career advice needed
Replies: 6
Views: 1433

Re: 5 year Silicon Valley Plan - Career advice needed

Hi, Can't comment on (C) or (D) as IMHO they will be driven by job satisfaction and personal growth factors that I cannot possibly value. On first glance it seems wrong to live in a HCOL area and be paid by a relatively LCOL company... leading to my vote for (A). As Hazel-Rah demonstrated, dramatic ...
by SDBoggled
Thu Dec 17, 2015 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Small Accomplishment
Replies: 12
Views: 855

Re: Small Accomplishment

Congratulations, not small at all!

Looking forward to sharing in the joy of your next accomplishment too :-)
by SDBoggled
Mon Dec 14, 2015 3:05 pm
Forum: Personal Consumer Issues
Topic: Buy a Bosch dishwasher on Amazon?
Replies: 25
Views: 1750

Re: Buy a Bosch dishwasher on Amazon?

I have bought ~4 over the last few years. I look for low db (<50 I think) and presence of a short wash cycle. I may be missing a critical criteria but have had no known issues. I don't self install so also had 4 different installers. Normal wash cycles are 1-2 hours and short about 35 min. I have fo...
by SDBoggled
Sun Dec 13, 2015 11:26 am
Forum: Personal Consumer Issues
Topic: Paying Kids For Good Grades -- do you do it?
Replies: 94
Views: 4993

Re: Paying Kids For Good Grades -- do you do it?

Hi, I never paid for grades, but then my kids only sporadically managed straight As, so maybe I should have :-) Families are different, but IMHO kids can be very different within the same family. I tend to fall on the side that: ideally, kids should be intrinsically motivated, leading them to choose...
by SDBoggled
Fri Dec 11, 2015 8:58 pm
Forum: Investing - Theory, News & General
Topic: Much better approach than traditional AA ratios if you have enough?
Replies: 39
Views: 3838

Re: Much better approach than traditional AA ratios if you have enough?

Hi, IMHO the key words in your post are: "If you have enough" I am not sure your example is apples to apples. I think your better approach directs/assumes the necessity of a bigger portfolio ie to use your OP example the portfolio is generating 3% withdrawal rate compared to the 4% "s...
by SDBoggled
Thu Dec 10, 2015 10:40 pm
Forum: Personal Consumer Issues
Topic: BMW current and past owners -- how was the reliability and would you buy another?
Replies: 89
Views: 6419

Re: BMW current and past owners -- how was the reliability and would you buy another?

Reliability mixed, but would definitely buy again. Ignoring tires, batteries, brake pads. 1998 M3: still running all original major stuff - replaced $1200 worth of rear suspension bits as tires wore unevenly and too quickly; ~$500 mechanic service bits/year but expecting something expensive to go so...
by SDBoggled
Thu Dec 10, 2015 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: REIT in taxable account screwup
Replies: 17
Views: 1816

Re: REIT in taxable account screwup

You have had some very wise heads tell you to (1) sell and take the loss. IMHO An ETF or Fund of REITs is a more boglehead thing to own than a single REIT stock. VNQ, VGSLX is probably down too but provides diversification across 144? different equity REIT stocks. (2) Usually, another important part...
by SDBoggled
Fri Dec 04, 2015 5:30 pm
Forum: Personal Consumer Issues
Topic: What am I missing ? ... Smart Phones $100 vs. $600
Replies: 65
Views: 5724

Re: What am I missing ? ... Smart Phones $100 vs. $600

Sorry I just scanned the replies, I didn't know until I hit the following problems. * Number of radios.... if you travel overseas my $100 won't work where others do. (Not the plan problem) * Ran out of RAM in 2 months of use (to receive texts)... I am not a heavy app user and previous phone memory w...
by SDBoggled
Fri Dec 04, 2015 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Leveraging a commercial real estate in SF
Replies: 7
Views: 796

Re: Leveraging a commercial real estate in SF

+1 for Valuethinker advice on risk. I can't possibly advise you (overall asset %, risk tolerance, Debt to Income, investment experience etc etc are all prob superb and better than mine), but here are some things I would consider: * I would only consider doing this if I could support the mortgage (an...
by SDBoggled
Tue Dec 01, 2015 2:19 pm
Forum: Investing - Theory, News & General
Topic: Is Real Estate Bond-Like?
Replies: 40
Views: 3496

Re: Is Real Estate Bond-Like?

Hi, Lots of good thoughts. I particularly like Kevin's analogy to high-yield stock. Though with more than 12 properties, it could be more like a sector fund than an individual stock. ie IMHO value won't go to zero but without geographic diversity may be subject to large single risk (for me it is ear...
by SDBoggled
Tue Nov 17, 2015 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Palo Alto and unicorns
Replies: 15
Views: 1777

Re: Palo Alto and unicorns

Thanks for the Fidelity link, I didn't know there were private equity funds available to the masses. I don't think you would get much argument that Palo Alto/SF Bay Area real estate is cyclical and it is heading for a correction. I haven't found better illustrative charts than from http://www.parago...
by SDBoggled
Sun Nov 15, 2015 4:02 am
Forum: Investing - Help with Personal Investments
Topic: Low-cost Indexing versus Real Estate Investing
Replies: 17
Views: 2605

Re: Low-cost Indexing versus Real Estate Investing

I am certain it is possible to achieve a higher overall ROI from real estate investing than from a total market index (e.g. use network and leverage to buy off-market, below market apartment building with undermarket rents and raise rents ~30%; buy distressed stock at discount then fix; buy from mot...
by SDBoggled
Mon Nov 09, 2015 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: In a Housing Bind...
Replies: 60
Views: 5795

Re: In a Housing Bind...

Lots of good advice above. My 2c worth is that if you decide to move, please consider quality of school district. In my area this has a huge impact on prices and if you don't understand the impact you may buy a nice house and then later be dissatisfied. Also privacy with light can be addressed with ...
by SDBoggled
Thu Jul 09, 2015 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: San Francisco Bound - Need Salary Advice
Replies: 55
Views: 5691

Re: San Francisco Bound - Need Salary Advice

Hi, Since this is the Bogleheads forum, here are a few IMHO Bogleheadish modifiers: Absolutely $265k and renting is sufficient to live a good life. However IMHO, for someone who says: "have to catch up on (retirement) big time". I would be very careful and smart about good life $ allocatio...
by SDBoggled
Mon Jul 06, 2015 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: 22 years old want to do rental properties
Replies: 35
Views: 3912

Re: 22 years old want to do rental properties

Some miscellaneous thoughts: IMHO best way to retire at 30 is work really hard, really smart before that and have a good dose of luck. Retirement at 30 by rentals is no easier to achieve than any other work... but may appear easier as e.g. no formal degree/training/license is required, so there is a...
by SDBoggled
Thu Jun 25, 2015 12:03 am
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads/BiggerPocketers think there is only one way?
Replies: 123
Views: 15063

Re: Why do Bogleheads/BiggerPocketers think there is only one way?

Bonds throw off steady flows of cash just fine, they're just less risky and require less work and thus the cash flows are lower. In the current bond market environment I wouldn't describe yields as "just fine", more like "artificially depressed". ... agree with Noobvestor that r...
by SDBoggled
Mon Jun 22, 2015 9:01 pm
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads/BiggerPocketers think there is only one way?
Replies: 123
Views: 15063

Re: Why do Bogleheads/BiggerPocketers think there is only one way?

sharp1aarohead - This is an important point: Does anyone care to show some details on how they calculated their own returns? For me, the most useful real estate return comparison calc I use is 60% of rent (assuming 40% will go to operating and maintenance costs, excluding financing costs) plus appr...
by SDBoggled
Fri Jun 12, 2015 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Buying in Bay Area (redux)
Replies: 57
Views: 7570

Re: Buying in Bay Area (redux)

... It was purchased in March 30th for 380k and the "investor" is selling it now in June for 550... . I encourage you to keep questioning... and if you start thinking like the investor who bought at $380k, a lot of your assumptions and math may change. Just guesses, but possibilities for ...
by SDBoggled
Wed Jun 10, 2015 9:10 pm
Forum: Investing - Theory, News & General
Topic: REITs - why the volatility?
Replies: 44
Views: 4250

Re: REITs - why the volatility?

There is too much not to like about REITS Hard to fathom owning REITs at these levels. Think about it: a levered basket of real estate yielding 3%? Would you buy a rental property with a 3% cap rate? Hi, I am not agreeing or disagreeing with your on REIT opinion... but just supplying an example of ...
by SDBoggled
Wed Jun 10, 2015 12:10 pm
Forum: Investing - Theory, News & General
Topic: REITs - why the volatility?
Replies: 44
Views: 4250

Re: REITs - why the volatility?

Hi, IMHO REITs may work in a portfolio because of rebalancing... ie you buy on their large dips. 30% or more returns: Last year it was REIT, year before small cap... IMHO you can't expect sustained returns like that year after year. International and emerging have been relative underperformers in re...
by SDBoggled
Wed Jun 10, 2015 1:57 am
Forum: Personal Finance (Not Investing)
Topic: Inheritance and Economic Outpatient Care for a Boglehead
Replies: 70
Views: 5370

Re: Inheritance and Economic Outpatient Care for a Boglehead

At the time it was received, inheritance was probably 30%-40%, now down to just under 20% and continues to fall. We have definitely benefited from the extra security, but has been 100% invested to provide an extra buffer in retirement and leave to our estate.
by SDBoggled
Wed Jun 10, 2015 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Buying in Bay Area (redux)
Replies: 57
Views: 7570

Re: Buying in Bay Area (redux)

Hi, Not sure if you want to hear a different opinion or confirmation of your thinking... The following are some misc comments for your consideration: Yes it would have been far, far better to buy 2009-2012. Although there will likely be a correction when the Tech 2.0 effect diminishes: IMHO Burlinga...
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: 2499

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: 2869

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: 1774

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: 2902

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: 4851

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: 3603

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: 1016

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: 1589

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: 538

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: 489

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: 5124

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: 2199

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: 15844

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: 5583

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: 17
Views: 2419

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: 7332

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: 5925

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: 7630

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: 94
Views: 9905

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: 6816

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: 2921

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: 2800

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: 3178

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: 3437

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: 7184

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: 1569

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.

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