Search found 19 matches

by Denny01
Mon Dec 04, 2017 10:11 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 142
Views: 15222

Re: Bonds Are Riskier Than People Think

Its interesting to compare comments from this thread "What have you learned from the lost decade" from 2011 and this thread from 2017 "Bonds are Riskier than People Think" https://www.bogleheads.org/forum/viewtopic.php?t=76356 From the thread in 2011, you see a lot of comments regarding the importan...
by Denny01
Tue Dec 01, 2015 6:14 pm
Forum: Personal Consumer Issues
Topic: How do "finishes" count in home appraisals?
Replies: 34
Views: 5449

Re: How do "finishes" count in home appraisals?

I'm not sure why any seller would change the price after a contract just because some appraiser came up with a lower price. The real value is what someone is willing to pay to a willing seller. An appraisal is just a rough estimate the bank wants to make sure they are not taking on too much risk. T...
by Denny01
Tue Dec 01, 2015 3:46 am
Forum: Personal Consumer Issues
Topic: How do "finishes" count in home appraisals?
Replies: 34
Views: 5449

Re: How do "finishes" count in home appraisals?

The appraisal should have total square feet and finished square feet. A finished basement, with a bedroom, certainly counts in the finished square feet. A finished basement does not count towards Gross Living Area. A finished basement is reported in the improvements section and the sales grid secti...
by Denny01
Tue Dec 01, 2015 3:41 am
Forum: Personal Consumer Issues
Topic: How do "finishes" count in home appraisals?
Replies: 34
Views: 5449

Re: How do "finishes" count in home appraisals?

I posted a similar thread several months back. We live in a middle class subdivision with mostly builder-grade houses. We have updated our house to have finishes most others in the neighborhood do not have (granite, hardwood throughout, non-builder grade cabinets, tiled showers, etc). We were think...
by Denny01
Tue Dec 01, 2015 3:37 am
Forum: Personal Consumer Issues
Topic: How do "finishes" count in home appraisals?
Replies: 34
Views: 5449

Re: How do "finishes" count in home appraisals?

Of all the appraisals that have ever been done our homes, they have all been drive-by's. Not sure how interior finishes could factor in, based just on photos if they are even used? Ours definitely wasn't a drive-by, the appraiser actually asked the seller if they were interested in selling some of ...
by Denny01
Tue Dec 01, 2015 3:23 am
Forum: Personal Consumer Issues
Topic: How do "finishes" count in home appraisals?
Replies: 34
Views: 5449

Re: How do "finishes" count in home appraisals?

I posted a similar thread several months back. We live in a middle class subdivision with mostly builder-grade houses. We have updated our house to have finishes most others in the neighborhood do not have (granite, hardwood throughout, non-builder grade cabinets, tiled showers, etc). We were think...
by Denny01
Tue Dec 01, 2015 3:08 am
Forum: Personal Consumer Issues
Topic: How do "finishes" count in home appraisals?
Replies: 34
Views: 5449

Re: How do "finishes" count in home appraisals?

I purchased a home back in 2011 and think that, from an appraisers perspective, probably overpaid for my house. I live in a very small sliver of an unincorporated township that has maybe 500 homes that are either A) Small 1950’s ranch homes (no basement) that are not updated or B) Tear-downs with m...
by Denny01
Tue Dec 01, 2015 2:59 am
Forum: Personal Consumer Issues
Topic: How do "finishes" count in home appraisals?
Replies: 34
Views: 5449

Re: How do "finishes" count in home appraisals?

Appraisers should walk through the house and do some measurements, but on a refinance we did, the appraiser left out a full bathroom even though it was shown on the plans we gave her which she included in her appraisal for the lender. It had no effect on our loan, so we didn't bother to ask for a c...
by Denny01
Mon Oct 19, 2015 6:56 pm
Forum: Investing - Theory, News & General
Topic: Is Wall Street Eating Your 401k Nest Egg?
Replies: 36
Views: 3631

Re: NPR Story: Is Wall Street Eating Your 401(k) Nest Egg?

If I were a milkman and people were willing to pay $10/gallon I would sell it for $10/gallon. If I manufactured toothbrushes and people were willing to pay $350 I would charge $350. If I were a mutual fund broker and people were willing to pay 1.5% er with a 5% front load that's what I would charge...
by Denny01
Mon Oct 12, 2015 1:11 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Date Retirement Funds
Replies: 31
Views: 3984

Re: Vanguard Target Date Retirement Funds

"P.S. Cutting costs matters when going from ER 1.84% to 0.87%, or from ER 0.87% to 0.18%. It doesn't matter when going from 0.18% to 0.09% if the former ER results from Vanguard efficiently managing portfolio inflows, outflows, rebalancing, etc. versus your clumsy administration of 3, 4 or 5 funds....
by Denny01
Tue Jul 07, 2015 11:02 pm
Forum: Personal Consumer Issues
Topic: Car totaled now what?
Replies: 14
Views: 2344

Re: Car totaled now what?

I bought a 1996 Chevrolet Cavalier Z24 in 1996 (it was lightly used) when I was 26. I am now 46 and I still use the car as my daily driver (I have never owned another car since I bought this car). That's right. I'm still driving the same car that I had when I was 26 and it is only the 2nd car that I...
by Denny01
Sat May 30, 2015 10:26 pm
Forum: Investing - Theory, News & General
Topic: Paul Farrell`s 8 lazy portfolios
Replies: 16
Views: 5145

Re: Paul Farrell`s 8 lazy portfolios

Has Paul Farrell commented on all the lazy portfolios being trounced by the S&P500 for all four time periods? I seem to recall him bragging in the past about the Lazy Portfolios outperforming the S&P500.
by Denny01
Sat May 09, 2015 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 45038

Re: much ado about coasting (through life)

One thing I learned when I hit my 40's was that time is more valuable than money. I know the conventional wisdom is that time = money but consider this: the CEO of my former company makes millions of dollars a year but he cannot earn millions of years of time. That CEO has about the same amount of t...
by Denny01
Mon Apr 06, 2015 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help me Understand Why I Keep My Bond Allocations
Replies: 15
Views: 1816

Re: Help me Understand Why I Keep My Bond Allocations

The return on my Admiral Shares Vanguard Total Bond fund for 2014 was 5.5%. This is year after people started saying bond rates have "nowhere to go but up".
by Denny01
Mon Apr 06, 2015 5:37 pm
Forum: Investing - Theory, News & General
Topic: Why are Bonds expensive?
Replies: 24
Views: 3256

Re: Why are Bonds expensive?

My Admiral Shares Total Bond Fund had a return of 5.5% for 2014. Is that considered low?
by Denny01
Sun Apr 05, 2015 10:06 pm
Forum: Investing - Theory, News & General
Topic: Why are Bonds expensive?
Replies: 24
Views: 3256

Re: Why are Bonds expensive?

The simple answer is:

Too much money chasing too little debt = low bond yields.

This has been a 30 year trend which is why bonds have been in a 30 year bull market. There are simply more people looking for fixed income and, consequently, more "rentiers" so its a simple case of supply and demand.
by Denny01
Sat Jan 10, 2015 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: CD's beat bond funds?
Replies: 9
Views: 2108

Re: CD's beat bond funds?

According to Vanguard the 1 year performance of the Total Bond Index is 5.76%. Did CD's beat that?
by Denny01
Wed Jan 07, 2015 4:18 pm
Forum: Investing - Theory, News & General
Topic: Bonds had a pretty good year in 2014?
Replies: 11
Views: 1957

Bonds had a pretty good year in 2014?

My Vanguard Total Bond Fund admiral shares shows a 1 year return of 5.89% Did that surprise anyone in light of the popular view that bond rates have "nowhere to go but up"?