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Bud

Red River Gorge, KY.

There are 160 natural arches in KY - absolutely beautiful and Red River Gorge has a large number of arches

Bud

Most interested is paid on the front end of the loan. If you pay off half of the loan amount, you will significantly reduce the amount of interest you pay annually while still maintaining a cash cushion. Then, if you want, you can pay down more monthly or annually or intermittently. You can check va...

Bud

Home - 19%

RE - 38%

Bud

Pay cash for the rental.

The cost of borrowing money is less for a primary residence (lower interest rates on loans for primary residences).

Bud

One option and one recommendation... Rent for a year before deciding where to buy. This will give you time to understand the CLE market from within and see where makes sense. There Make sure whatever house you buy is one of the less expensive homes in your neighborhood. Buying a lower cost home in t...

Bud

Depends on the purpose of the vehicle. 1999 Suburban - For Dad and when the family all goes places together 2012 Dodge Journey - for the children drivers 2015 Ford Escape - for the spouse two parent family, four children, two of whom drive We will add another driver in a couple of months and probabl...

Bud

Having owned Vanguard REIT fund for 20 years, there are ups and downs. But the trend is upward, in spite of the collapse of 2008-2009, malls closing, and all kinds of doom and gloom. My return has been just shy of 10% annualized which is nothing to sneeze at. REITs will continue to be a key part of ...

Bud

I am a little surprised no one to this point has mentioned low correlation as a factor in their fund choices. My funds are all Vanguard funds: Equity-Income (this fund is a proxy for Intermediate Term Bond Index Mid Cap Index REIT Index Prime Money Market I have held these funds for at least 18 year...

Bud

Jeez and with a 800 credit score, for a loan of 165k I cant find anything below 3.5 on a refi.. Shop around and keep looking. Recently sold a house and the buyer got a 30 year 2.75% loan. A quick look online search showed 2.5% rate quotes for 15 year refinance on my personal property and 3.0% quote...

Bud

Do a FSBO (for sale by owner) Having purchased and sold homes with no real estate agents involved, I recommend this route. Lawyers rates vary, but the price I paid for a contract written and reviewed by a lawyer plus having the lawyer at the closing saved me thousands of dollars on the selling and p...

Bud

I faced a similar situation. In the winter, I decided to sell a rental for several reasons in the spring. Corona hit and which made me question the decision. After talking it over with some friends, I decided to put it for sale and am completely satisfied. Just curious, what city in Florida is your ...

Bud

This is fascinating. Is this a property that is rented and being purchased as a rental? Was it shown or was it purchased based only on photos/videos? Pretty sure that they are not allowed to show properties around me as part of the stay at home order. The buyer is familiar with the house, already o...

Bud

I put a house on the market today - it took about 1 hour to get an offer at full asking price. Housing is market specific and real estate markets are less efficient than stock markets. If you are buying or selling, pay attention to what is going on in your market. Location, school district, and many...

Bud

Amazon Prime for 5% on Amazon purchase

Lowe's for 5% at Lowe's

Thinking of adding Kroger card because we spend so much at Kroger (family of 6). Anyone with the Kroger MasterCard here?

Bud

The S & P 500 high from Jan, 2007 were only passed more than five years later, in 2012.

all the best....

Bud

Just checked Aimloan today... quotes down to 2.5% for a 15 yr loan. My current rate is 3.375. Closing costs rise for lower interest rate loans, but they are worth if you plan to stay put for a few years.

Bud

Used GEICO for several years ... then I got a quote from Kentucky Farm Bureau which was way lower. Now I have car and hone owners thru KFB and save a couple thousand/ yr.

When I checked recently, GEICO was close and other companies were not competitively priced.

Bud

As mentioned above, VBILX consistently outperforms VBTLX because of the slightly longer duration. It varies, but it is about 7 yrs vs 5 yrs. VBTLX also has a greater variety of bonds. Practically speaking, no bond mutual fund holder knows what types of bonds they hold in their mutual fund, for the m...

Bud

I received a Citizen Ecodrive Atomic Watch as a gift. Found out it was bought on sale for $220. Once it is set, it will always keep the correct time. It stopped once because it was in a dark drawer out of sunlight but I put it in the sun for about 3 hours and it reset itself to the correct time. It ...

Bud

Pay off the loan...

The reason for this is that you are posting for your relative which probably means they don't know much about investing although I could be wrong. The safe bet is to pay of the loan.

All the best...

Bud

35-40%.

Direct ownership of real estate can provide high returns when done correctly, but it isn't for every one.

Bud

Installed tankless in two on my homes - they work great! Mine are electric and they seem to reduce the electric bill so far. Make sure your electrical panel can handle them. Also you may want to install a water filter in line to help preserve the tankless heater if you have lots of sentiment or mine...

Bud

I spent quite a bit of time checking into refinancing over the last year. Here is what I found out. For the borrower, the best solution is to add to your current payments to pay down your loan as quickly as possible. Virtually every scenario I ran showed this as the best solution for reducing debt. ...

Bud

Yes, that is one way to consider it. Like most things, there are various ways to consider the benefits and drawbacks. For mortgage payoff evaluation, I like to think concretely. "Would I borrow X (The payoff amount of your mortgage) at 2.75% today to invest in my MM account?" Make your adj...

Bud

Long time listener, first time caller. I would like to add REITs to our retirement portfolio and I would appreciate your advice on: - What % should I add in? - What should my new AA be? (currently I’m at 80/20 stock/bond — details below) - Which Vanguard REIT fund(s) do you recommend? The reason I'...

Bud

yep, pay off the mortgage or at least pay half of it. I just had a 5% mortgage I paid off and now I wonder why I waited so long. I pulled my money from my Intermediate Bond Index Fund which was yielding 2.89%.

Bud

for the first 40 years of life I had no credit card, then for the next 10 years I had one credit card.... only in the last five years have I had multiple cards and my credit was always fine. If you don't use credit, you don't need a credit card :). Some would consider the concerns associated with ha...

Bud

John Bogle "Reversion to the mean is the iron rule of financial markets". Here are some articles to help understand why he thought this was an important concept for investing, even for those doing index investing. https://vanguard.com/bogle_site/lib/sp19980129.html https://vanguard.com/bog...

Bud

another perspective from the sunk cost viewpoint - knowing what you know now, would you but that property for $85k in your current situation? If the answer is no, then sell. If the answer is yes, continue to hold.

Bud

As a landlord, make your application stand out. The best financial ways are to offer to pay in advance or demonstrate that you have long term security in a well paying job. A good non-financial way to make your application stand out - if you are involved in volunteer work for non-profits or serve on...

Bud

Tomorrow I will pay off a remaining $73k mortgage. My interest rate is 5% and so the decision was easier. One way to think about the question of paying off a mortgage is to ask yourself if you would borrow money at x% to invest in the market. Home or investment property loans are also a different ty...

Bud

Not much to add, but my story is... Income mostly in the 60's-70's, three decades working in the non-profit sector, four kids, one wife :). No debt except mortgage - no school loans, no car loans Figure what you need first, then add what you want simplicity pays dividends Frugal - why buy name brand...

Bud

https://www.creditcards.com/no-credit/ Do a google search for 'credit cards for no credit history' or other similar searches. I recently moved to the States after living overseas for many years and faced a similar situation. shop around but you probably won't need to move you account if you are happ...

Bud

for cards that offer 3% on groceries for spending up to $6000 and then 1% rebates after be aware that if you spend more than $12,000 annually for groceries, a flat 2% card will provide a better rebate so some families will benefit from the flat 2% rebate of Citi MC because of that fact. Simplicity h...

Bud

I am not sure what other lending companies do, but when I make an electronic transfer of funds to my mortgage company, it is applied immediately to pay down the principle of the loan. Maybe this is because I am ahead on my monthly payments. In my situation, I can make an epayment of $10 or $1000 and...

Bud

USA GDP Real Growth (inflation adjusted) - DJIA 1930 $ 0.967 trillion - 244.2 1950 $ 2.184 trillion - 200.52 1970 $ 4.722 trillion - 800.20 1990 $ 8.955 trillion - 2810.15 2010 $14.784 trillion - 10428.05 2017 $17.096 trillion - 24719.22 The US market has tracked GDP but very irregularly. The DJIA h...

Bud

There is no bad time to invest in this fund - And I think you mean the Intermediate Term Bond Index.

Bud

This is what Transparency International measured to achieve their data and determine 'corruption'. "The CPI draws upon 13 data sources which capture the assessment of experts and business executives on a number of corrupt behaviours in the public sector, including:  Bribery  Diversion of publ...

Bud

Often paying points for lower interest rates isn't worth it, especially if as a good boglehead, you decide to prepay your mortgage :). I just had this option earlier this month and decided to forego it. To benefit from the 69 months that you mention, you also assume (make a $8800 bet) that interest ...

Bud

Corrections are a great opportunity to buy low...

Bud

if it's your first time, don't be intimidated. Shop for a mortgage like you shop for anything. Really there is no 'service' aspect of a mortgage so just find the best price and go with it. I called three or four and gave then basic info so I wouldn't need to fill out all the paper work just to get a...

Bud

Four Pillars of Investing
Coffee House Investor
John Bogle's various papers and articles
https://www.vanguard.com/bogle_site/bogle_lib.html
http://johncbogle.com/wordpress/academic-articles/

Bud

Taxes are country specific. You may need to claim the income in the country which it originates or you may have the option of deciding which country you claim it. Does the USA have a reciprocal tax agreement with the originating country? If the laws require you to file a tax return in that country, ...

Bud

If you have a good closing attorney and get an accurate price, you're pretty well protected IMO. This is my experience. In the situation that you describe, there is little value that a realtor would add (which is mostly to connect buyers and sellers). It takes a bit more work on your end, but on a ...

Bud

I actually enjoyed the cold and jogged in weather that was down to -10 F. It just depends on layers and pace. I would rather go out in zero degree weather than 40 F and rain

Bud

i have done several transfers through the years and will initiate another in a few weeks - never had any issues.

Bud

I rebalance with new money. Right now some of my categories are outside of the band but then nothing says you have to rebalance annually. While no one can predict the future, a 15-20% correction sometime this year would not surprise me. Also if you are concerned the market is too high, you can use i...

Bud

The decision to pay down the mortgage can be viewed as diversification rather than comparing expected rates of return. When thought about this way, extra income could be used to pay down the mortgage to increase diversification. However a 2.75% mortgage is a great deal - at the end of the day the &q...

Bud

I recently showed my wife our portfolio and explained to her that if anything happens to me, she can withdrawal 4% per year and the money should last forever. Her response? "Well, that's a pretty good amount of money!" a piece of advice - Keep a simple portfolio and make sure your spouse u...

Bud

John Bogle talked about reversion to the mean (RTM) in some of his speeches. If you accept this theory for an asset class, then diversification makes sense and is something that can be utilized for greater returns. This works best for people who regularly invest and would work by allocating more new...

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