Search found 357 matches

by SDBoggled
Fri Jul 29, 2016 11:00 pm
Forum: Investing - Theory, News & General
Topic: Dividend stocks or real estate rental
Replies: 51
Views: 2655

Re: Dividend stocks or real estate rental

Like many other replies, my answer would be neither of your choices: However, I choose to do a combo of alternatives to both (1) 2 stocks - too much risk, I would pick total stock market VTI, small cap VB, REIT VNQ and unfortunately international VXUS/DGS. Low cost, passive and pretty much guarantee...
by SDBoggled
Fri Jul 29, 2016 1:22 am
Forum: Investing - Theory, News & General
Topic: Revisiting Dr. Bernstein on REITs
Replies: 29
Views: 3297

Re: Revisiting Dr. Bernstein on REITs

Hi Swaption, Isn't it a bit early to celebrate victory??? :happy If I line up total stock (VTI) vs say vanguard REIT (VNQ) from day following Dr Bernstein post, I think Morningstar says my REITs are still down by ~15% compared to selling all and buying VTI or S&P500. http://quotes.morningstar.co...
by SDBoggled
Thu Jun 30, 2016 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Rent Vs. Buy Example
Replies: 37
Views: 3068

Re: Rent Vs. Buy Example

Lots of good points made above. IMHO, Real estate decisions are local, down to your choice of condo, building/HOA and street, so your math might well be accurate, I have no way of knowing. However, you asked what you may be missing: Leverage and capital appreciation (very location and even purchase ...
by SDBoggled
Thu Jun 30, 2016 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Any tips for doing hard money lending?
Replies: 4
Views: 601

Re: Any tips for doing hard money lending?

What has worked for me, has been relationships through local real estate meetups. Finding a flipper with great deal creating skills... then there has been plenty for the flipper and some for the note lender :-) I think you can do second, if second + first is less than your Loan to Valuation criteria...
by SDBoggled
Sat Apr 16, 2016 1:35 am
Forum: Personal Finance (Not Investing)
Topic: grateful for any input on a major, urgent real estate decision
Replies: 75
Views: 5818

Re: grateful for any input on a major, urgent real estate decision

Sorry did not read all posts. However, agree that if you don't have to sell (due to just wanting to move, job loss) for ~10 years you should be OK through the correction which IMHO will definitely come. A lot of this data is available from FRED site( https://research.stlouisfed.org/fred2/graph/ but ...
by SDBoggled
Mon Mar 07, 2016 12:01 pm
Forum: Investing - Theory, News & General
Topic: rental income investing
Replies: 50
Views: 5107

Re: rental income investing

Travellight, You might find this calculator useful: https://www.calcxml.com/calculators/inv04?skn=#results I don't know its source but someone posted link on bigger pockets. The good thing is that in the results section you can double-check how your assumptions evaluate to $$$ and you could do vario...
by SDBoggled
Tue Mar 01, 2016 2:21 pm
Forum: Investing - Theory, News & General
Topic: rental income investing
Replies: 50
Views: 5107

Re: rental income investing

for those of you who invest in real estate - what volatility do you expect in housing prices? for example, i expect the broad stock market can (and has) fall by ~50% in severe crashes. what about real estate? I ask because I am trying to determine how much leverage i could use to buy real estate an...
by SDBoggled
Mon Feb 22, 2016 1:37 am
Forum: Personal Finance (Not Investing)
Topic: Is now a good time to purchase property [New York City]
Replies: 28
Views: 4501

Re: Is now a good time to purchase property [New York City]

Hi, I know almost nothing about NYC real estate and my crystal ball is broken, however I do have properties in areas that have graphs that look kinda like this, so am very conscious of real estate cycles and suspect it would be quite difficult to buy with built-in equity (desirable for investment) o...
by SDBoggled
Sun Feb 21, 2016 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: 24 y/o $120k and overwhelmed with next steps and real estate
Replies: 5
Views: 1273

Re: 24 y/o $120k and overwhelmed with next steps and real estate

Congrats on great career, great saving rate and finding Bogleheads decades earlier than me. As you say, this is very much a lifestyle decision. You probably know the following but just in case this adds any value: * General wisdom is not to buy real estate unless you can keep it for at least 5 years...
by SDBoggled
Sun Feb 21, 2016 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirement strategy and asset allocation including commercial real estate
Replies: 3
Views: 743

Re: Early retirement strategy and asset allocation including commercial real estate

Hi, I'm no expert, but you didn't seem to get many replies. Here are some random thoughts: Consider the two extremes: Zero Commercial Real Estate: If I am understanding correctly, you want to generate $100k+ retirement income in your 50s from your expected portfolio of $2.2m (not counting beachfront...
by SDBoggled
Sun Feb 21, 2016 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Somewhat unique Sell vs Continue to Rent Condo question
Replies: 5
Views: 627

Re: Somewhat unique Sell vs Continue to Rent Condo question

Judging by my non-Cleveland ratios, it would be a definite sell and take advantage of no capital gains. I assume 2009/2010/2011/2012 to now, to be the highest appreciation I am ever likely to see and assume ~25% of that rate going forward: e.g. 12% down to 3% for ROI comparisons to other investments...
by SDBoggled
Sun Feb 21, 2016 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: VTI vs Starting my own REIT
Replies: 52
Views: 4655

Re: VTI vs Starting my own REIT

My 2c is that of course I can't assess the stupidity or irrationality... as the outcome will all depend upon your execution. Finding out what you don't know that-you-don't-know will be key... so I guess how you internalize the advice you receive will be a good indicator :-) IMHO there were quite a f...
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: 511

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: 2166

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: 1631

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: 1018

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: 2168

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: 6466

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: 4552

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: 8479

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: 2165

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: 6913

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: 1030

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: 4148

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: 2001

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: 3005

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: 6623

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: 6149

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: 4209

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: 16062

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: 16062

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: 72
Views: 10067

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: 4812

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: 4812

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: 5821

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: 72
Views: 10067

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: 2790

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: 3176

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: 1922

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: 4054

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: 5313

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: 4117

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: 1084

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: 1783

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: 583

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: 550

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: 5598

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: 2559

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: 17356

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: 6057

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...

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