Search found 36 matches

by captain3d
Thu Apr 03, 2014 12:22 am
Forum: Investing - Theory, News & General
Topic: Any Bogleheads here into real estate investing?(renting out)
Replies: 69
Views: 11050

Re: Any Bogleheads here into real estate investing?(renting

You might want to take a look at biggerpockets.com. Maybe start by listening to their 60+ podcasts. By the time you get through that you will have a better idea if it suits you. You should plan for 50% of your rent to disappear in expenses before paying the mortgage.

phil
by captain3d
Sat Mar 29, 2014 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Buying first home in SF - gut check
Replies: 93
Views: 14693

Re: Buying first home in SF - gut check

I may be moving back to SF and have been looking at places to live. As an out of state rental property owner I have a slightly different perspective on property than a home owner. A rule of thumb for valuing a rental property is that the monthly rent should be at least 1% of the purchase price (2% b...
by captain3d
Sat Mar 29, 2014 1:28 am
Forum: Personal Finance (Not Investing)
Topic: Renal Property Math - Make Sense?
Replies: 21
Views: 2908

Re: Renal Property Math - Make Sense?

Sell

50% of rental income will go to expenses over time. You will need a property manager to look after it. The rent is not high enough for the cost of the house to make it a good income property.

phil
by captain3d
Sat May 28, 2011 9:26 pm
Forum: Personal Consumer Issues
Topic: Runners and GPS
Replies: 13
Views: 1690

I am another Garmin 305 user and love it. I run at specific heart rates on difference runs (high/tempo, medium/steady state, low/easy) and calculate my heartbeats per mile as a way to compare performances. It is hard to do this accurately with out a GPS/heart rate combo device. That is a great price...
by captain3d
Thu Jan 06, 2011 12:35 am
Forum: Investing - Theory, News & General
Topic: Deleted
Replies: 25
Views: 3546

just emailed in my conversion forms. Almost there.

phil
by captain3d
Wed Jan 05, 2011 2:05 am
Forum: Personal Consumer Issues
Topic: how many of you are distance runners?
Replies: 75
Views: 8698

Common everybody where is your diversification... My self and wifey enter one power lifting competition and one marathon each year. I go up and down about 20lb between the two. Best deadlift from last year = 495lb at 180lb body weight http://captain3d.com/dayoff/artwork/gym/2010/495lb_deadlift.MP4 S...
by captain3d
Sat Dec 25, 2010 3:54 am
Forum: Investing - Theory, News & General
Topic: Why save 20%?
Replies: 44
Views: 4964

I put this post up at our work... Hi All Here is a another 'financial independence' thought for you. For a moment lets ignore any future pension or social security possibilities and presume you have to save for your own future. For how long do you have to save if you want to maintain the same lifest...
by captain3d
Sun Jan 10, 2010 4:12 am
Forum: Personal Investments
Topic: $700,000 to last a lifetime: what do you do with it?
Replies: 47
Views: 8637

I learned a lot just by listening to free pod casts. I like Ray Lucia as his show covers so many areas from callers. There are many others out there. Are you familiar with itunes and podcasts? here he is... http://radiotime.com/program/p_20588/The_Ray_Lucia_Show.aspx Also there was a lot of interest...
by captain3d
Sun Jan 10, 2010 3:59 am
Forum: Personal Finance (Not Investing)
Topic: Forced to retire at 50 & petrified. Please help.
Replies: 54
Views: 9649

Tough situation, but my humble observation would be that if you had the cash instead of the properties today you would not go out and buy the properties you currently own. In other words the properties were based on another time and income and are no longer appropriate for your situation. phil (livi...
by captain3d
Tue Jan 05, 2010 3:03 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone here have a target saving every year?
Replies: 61
Views: 11786

Morgan wrote:
captain3d wrote:
I just checked and we have actually saved an incredible 80% of take home this year. I know this is extreme ;-)

phil
Hahaha! You madman! I love ya! :D

Here's a brownie point :)
Its a true honor to be called a madman for savings % on this forum ;-)
by captain3d
Wed Dec 23, 2009 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here have a target saving every year?
Replies: 61
Views: 11786

I have a simple spread sheet where I drop in monthly and annual spending. From that it estimates what we would need, in total savings, to retire today eg 4% withdrawal or similar etc. Then I put in the net worth we really have and it calculates the different etc. We have not reached the retirement p...
by captain3d
Mon Mar 16, 2009 4:29 am
Forum: Investing - Theory, News & General
Topic: Updated Modification of Harry Browne Permanent Portfolio
Replies: 3555
Views: 1404614

Great thread. I have read about a 1/3 of it and I am left wondering where investment property would fall in the four categories if you had to force it somewhere. I guess generally to the inflation side especially if you hold a mortgage. Gold is there for extreme situations so I guess again it would ...
by captain3d
Thu Dec 25, 2008 3:00 am
Forum: Personal Investments
Topic: $1 mill money machine theory...plan
Replies: 6
Views: 2449

We both enjoy work but just dont know how long it will last. We would like to spend more money and have more fun but dont feel we can afford to yet despite being well paid. So our goal is not to retire. Past experience has put me in this defensive mode. This is my 9th job in 8 years. We dont actuall...
by captain3d
Wed Dec 24, 2008 8:01 pm
Forum: Personal Investments
Topic: $1 mill money machine theory...plan
Replies: 6
Views: 2449

Thanks guys Good deal on your apartment cosmos. nisiprius: Thanks for the intro to the "human capital" idea - makes sense. Unfortunately I think I am not even a stock but more like an option ;-). My current job is the longest ever at 20 months (3 year contract). I will roll this thinking i...
by captain3d
Tue Dec 23, 2008 8:45 pm
Forum: Personal Investments
Topic: $1 mill money machine theory...plan
Replies: 6
Views: 2449

$1 mill money machine theory...plan

Hi All Just want to chat... For a while, myself and wifey (ok mainly me) have had the $1million mark as a life, savings goal. We are in jobs now that could make that possible in the next 2 or 3 years (pending further global meltdowns ;-). So I started to think about what it means if/when we reach th...
by captain3d
Wed Nov 05, 2008 1:02 am
Forum: Investing - Theory, News & General
Topic: Automatic value averaging?
Replies: 6
Views: 1726

https://www.foliofn.com/index.jsp Is what you want. Be aware it costs $290 a year. But once signed up you create your own 'Folio' of what ever stocks etfs funds you want. You allocate a target % to each. Every time you buy the Foilio you can have it match those targets. You can have it auto purchas...
by captain3d
Mon Nov 03, 2008 12:17 am
Forum: Non-US Investing
Topic: UK-based index funds?
Replies: 37
Views: 16236

Thanks Rob. I will look into that...


http://www.halifax.co.uk/sharedealing/p ... uilder.asp
by captain3d
Sun Nov 02, 2008 6:31 pm
Forum: Non-US Investing
Topic: UK-based index funds?
Replies: 37
Views: 16236

Hi UKers I am a Brit living in the US and generally follow index fund type investing. I had a long talk with my retired UK parents this morning after they complained about their Abbey (Inscape) investments losing so much money. As they are both in their 70's I was shocked to see that their Abbey 'ad...
by captain3d
Sun Oct 19, 2008 11:01 pm
Forum: Investing - Theory, News & General
Topic: Value Averaging 100bp Premium?
Replies: 19
Views: 3916

Wether VA is good or not becomes some what irrelevant when market swings like we are seeing recently dictate hugh amounts to be invested to hit the target. Pretty soon you run out of cash. I know because I have been doing it ;-) two weeks running I had to add 10x the normal amount to hit the target....
by captain3d
Sat Oct 11, 2008 3:54 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 434
Views: 284247

OK everyone is beaten down. This should help...

http://au.youtube.com/watch?v=ngUMA_aKm ... re=related

I keep it in reserve for tough times...phil
by captain3d
Sat Oct 11, 2008 2:22 pm
Forum: Investing - Theory, News & General
Topic: Cramer: Sell everything..buy gold
Replies: 99
Views: 21664

I own gold and silver through http://www.goldmoney.com I also own the Central fund of Canada (CEF) which holds gold and silver bullion in a vault with regular audits. It gets complicated/costly to hold gold funds in taxable accounts so do it in IRA's etc CEF sells at a premium normally around 6% ove...
by captain3d
Thu Sep 25, 2008 12:24 am
Forum: Personal Investments
Topic: Gold ETF's vs. gold mutual funds taxation
Replies: 4
Views: 1901

http://www.bankrate.com/brm/news/invest ... 0202a1.asp

When collectors sell something they've owned for more than a year, they pay long-term capital gains taxes -- either 15 or 28 percent -- on any profits they've made. If they hold it less than a year, they pay regular income tax on the profits.
by captain3d
Thu Sep 18, 2008 9:21 pm
Forum: Personal Investments
Topic: Amost embarrassed to ask....
Replies: 17
Views: 4572

Is this article a good start? I liked it but I dont know how much you already know or dont know...

The ultimate buy-and-hold strategy- 2008 Update:
http://www.fundadvice.com/articles/buy- ... ategy.html

phil
by captain3d
Tue Aug 26, 2008 1:18 am
Forum: Personal Consumer Issues
Topic: Sky diving
Replies: 41
Views: 9453

115 jumps for me although the last one was in 2000. Here is a video of my 100th..

http://www.captain3d.com/dayoff/html/skydive/jump.htm

I live near by this and want to go and play...

http://www.youtube.com/watch?v=Z3UosqQ6qUA

phil
by captain3d
Sun Aug 24, 2008 3:49 pm
Forum: Personal Consumer Issues
Topic: Do folks glare at you when you drive the speed limit?
Replies: 82
Views: 16031

Speed limits are designed for my car I think. Going above them makes things shake.

If someone is driving a new car with better performance and brakes it makes sense that they can go faster.
by captain3d
Sun Aug 24, 2008 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: pay points on mortgage ????
Replies: 10
Views: 3195

I paid points recently as I thought the risk of rates going up is much more likely that them going down.

...phil
by captain3d
Mon Jul 21, 2008 12:33 am
Forum: Investing - Theory, News & General
Topic: Value Averaging. Any practicionors?
Replies: 39
Views: 8442

I am giving it a go since the beginning of this year. I am using foliofn dot com for a taxable account which allows you to build your own 'fund of stocks' and trade often for a fixed fee. I buy Index ETF's in my case. I am using a diversified allocation based on fundadvice dot com recommendations wh...
by captain3d
Sun May 18, 2008 9:42 pm
Forum: Personal Investments
Topic: Need a Small Cap Value fund or ETF for my daughter
Replies: 3
Views: 1308

You might get some ideas here...

http://www.altruistfa.com/dfavanguard.htm

VBR
RZV

phil
by captain3d
Fri May 09, 2008 3:20 am
Forum: Personal Investments
Topic: buying my first home...(long)
Replies: 24
Views: 5720

You might have fun playing with this...


http://www.housemath.us/
by captain3d
Thu Apr 24, 2008 1:54 am
Forum: Investing - Theory, News & General
Topic: Is DFA a cult?
Replies: 86
Views: 15779

one more try
by captain3d
Thu Apr 24, 2008 1:52 am
Forum: Investing - Theory, News & General
Topic: Is DFA a cult?
Replies: 86
Views: 15779

trying again...
by captain3d
Thu Apr 24, 2008 1:51 am
Forum: Investing - Theory, News & General
Topic: Is DFA a cult?
Replies: 86
Views: 15779

Here is Merrimans article comparing vanguard and DFS...


..oh dear not enough posts to add a link...
by captain3d
Thu Apr 10, 2008 3:04 am
Forum: Investing - Theory, News & General
Topic: Create custom stock index?
Replies: 8
Views: 3458

ah my newness stops me for adding a real link. Anyway just wanted ot add that it allows you to track your group performance in a single chart.

phil[/img]
by captain3d
Thu Apr 10, 2008 3:02 am
Forum: Investing - Theory, News & General
Topic: Create custom stock index?
Replies: 8
Views: 3458

Hi All just discovered the forum. I actually do have my own virtual index fund made up of etfs. I do this at... www(dot)foliofn(dot)com ..which is especially designed for this idea. I set the weights how I want to own the funds and I can value average (or $ cost average) into it as often as I like. ...