Search found 23984 matches

by willthrill81
Sat Apr 17, 2021 9:17 pm
Forum: Investing - Theory, News & General
Topic: Whence inflation?
Replies: 137
Views: 8691

Re: Whence inflation?

David Stein, host of the Money for the Rest of Us podcast, had a great episode this week on recent inflation. He provides evidence to suggest what many here have also put forward: the inflation we've seen over the last decade and especially the last year has not impacted the prices of the goods and ...
by willthrill81
Sat Apr 17, 2021 4:05 pm
Forum: Personal Consumer Issues
Topic: Oceanfront property and climate change
Replies: 17
Views: 982

Re: Oceanfront property and climate change

Ecologists' track record for making such predictions has been remarkably poor. Back in the 1970s, they were predicting an ice age within 50 years (Dr. S.I. Rasool, NASA). Oceans were supposed to be "dead" by 1980 (Paul Ehrlich). The Maldives were predicted to be completely submerged by 201...
by willthrill81
Sat Apr 17, 2021 3:53 pm
Forum: Personal Consumer Issues
Topic: Indestructible ants?
Replies: 9
Views: 678

Re: Indestructible ants?

Ortho's Home Defense barrier spray has worked well for us at keeping out ants, spiders, and other such pests. I spray it around the perimeter of our home twice a year.
by willthrill81
Sat Apr 17, 2021 3:50 pm
Forum: Investing - Theory, News & General
Topic: Equal weight for index fund?
Replies: 55
Views: 5902

Re: Equal weight for index fund?

Jack Boogle tought about equal weighted at first but at his time technology and trading costs would not allow it, hence he opted for market cap. Nowadays trading costs became irrelevant and if you take the iShares MSCI USA Equal Weighted, it has 0.15% fees. If you look at past performance, it is pr...
by willthrill81
Sat Apr 17, 2021 3:43 pm
Forum: Investing - Theory, News & General
Topic: Don't fuss about 529 accounts. Have your child skip the first two years of college instead!
Replies: 88
Views: 5889

Re: Don't fuss about 529 accounts. Have your child skip the first two years of college instead!

I went to a CC for the first two years, and I later on got my MBA and then my Ph.D. My time at the CC worked out just fine, and I had some really good instructors. I actually got paid to go to CC.
by willthrill81
Sat Apr 17, 2021 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2503
Views: 574283

Re: Share your net worth progression

stoptothink wrote: Thu Apr 15, 2021 7:45 pmWe are, and I generally feel downright poor in most of these threads.
'Enough is as good as a feast.'
-British proverb
by willthrill81
Sat Apr 17, 2021 3:19 pm
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy; Just bought one!!
Replies: 243
Views: 22611

Re: Thought about buying a small motor home, but the market is crazy; Just bought one!!

One big improvement that can be made is to add Sumo Springs to aid in the handling characteristics which can pretty easily be done DIY in your driveway as long as you’re reasonably handy and don’t mind getting your hands dirty. Hopefully Will sees this comment and considers this mod since it’s well...
by willthrill81
Thu Apr 15, 2021 9:37 pm
Forum: Personal Investments
Topic: Will Inflation pay off my home?
Replies: 85
Views: 8076

Re: Will Inflation pay off my home?

If home prices are peaking, that's a good time to either downsize or hold on to the house you've got. Obviously nobody knows exactly when the peak will occur, but there will be one. If we could sell right now, we would. But there's nowhere less costly that we would rather be. So we're staying put. ...
by willthrill81
Thu Apr 15, 2021 9:36 pm
Forum: Personal Investments
Topic: Will Inflation pay off my home?
Replies: 85
Views: 8076

Re: Will Inflation pay off my home?

Market appreciation in housing is a speculation (i.e., there is no income stream or future earnings being purchased), not an investment. You're purchasing an income stream of imputed rent. For example: If we could sell right now, we would. But there's nowhere less costly that we would rather be. So...
by willthrill81
Tue Apr 13, 2021 11:41 pm
Forum: Personal Investments
Topic: Will Inflation pay off my home?
Replies: 85
Views: 8076

Re: Will Inflation pay off my home?

If home prices are peaking, that's a good time to either downsize or hold on to the house you've got. Obviously nobody knows exactly when the peak will occur, but there will be one. If we could sell right now, we would. But there's nowhere less costly that we would rather be. So we're staying put.
by willthrill81
Tue Apr 13, 2021 11:40 pm
Forum: Personal Investments
Topic: Will Inflation pay off my home?
Replies: 85
Views: 8076

Re: Will Inflation pay off my home?

Market appreciation in housing is a speculation (i.e., there is no income stream or future earnings being purchased), not an investment. It seems clear that falling interest rates have been at least partly responsible for the current spike in housing prices in many/most markets around the country, b...
by willthrill81
Tue Apr 13, 2021 10:51 pm
Forum: Investing - Theory, News & General
Topic: Another 2.8% SWR Article Quoting Wade Pfau
Replies: 252
Views: 13893

Re: Another 2.8% SWR Article Quoting Wade Pfau

The SWR was 3.8% in 1966, a failure on paper but barely one in reality. In what ways did the portfolio and the calculations of the SWR being 3.8% for 1966 differ from what Bengen used when determining that the SWR was 4%, as described in Determining Withdrawal Rates Using Historical Data ? The 1966...
by willthrill81
Tue Apr 13, 2021 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Official HELOC (Home Equity Line of Credit) thread
Replies: 30
Views: 3013

Re: Official HELOC (Home Equity Line of Credit) thread

We got a HELOC last year from Third Federal for our paid-off home. There were no closing costs, and the interest rate is .26% below Prime, the lowest I was able to find anywhere by a significant margin. It took us about six weeks to close, and the staff I've worked with have generally been excellen...
by willthrill81
Tue Apr 13, 2021 5:50 pm
Forum: Investing - Theory, News & General
Topic: Another 2.8% SWR Article Quoting Wade Pfau
Replies: 252
Views: 13893

Re: Another 2.8% SWR Article Quoting Wade Pfau

Such a suspicion would be unfounded. Adjusting for serial correlation of returns has a negligible impact in this kind of model, and virtually no impact in the left tails that are of primary concern for us. Why? For one thing, there just isn't much serial correlation in annual return data. Data samp...
by willthrill81
Tue Apr 13, 2021 5:37 pm
Forum: Investing - Theory, News & General
Topic: Another 2.8% SWR Article Quoting Wade Pfau
Replies: 252
Views: 13893

Re: Another 2.8% SWR Article Quoting Wade Pfau

So you're saying that 2.8% is already a 10th percentile outcome in your model? 2.8% is Pfau's number. I'd estimate the 10th percentile as being a little bit higher, at maybe 3.0% to 3.25%. In my mind, given my preferences, a solid retirement plan would be one that starts at roughly a 4.5% withdrawa...
by willthrill81
Tue Apr 13, 2021 3:42 pm
Forum: Investing - Theory, News & General
Topic: Another 2.8% SWR Article Quoting Wade Pfau
Replies: 252
Views: 13893

Re: Another 2.8% SWR Article Quoting Wade Pfau

My point is that I strongly suspect that vineviz's model is overly pessimistic, partly because it sounds like it doesn't take into account the fact that stock prices and expected returns tend to move against each other. Such a suspicion would be unfounded. Adjusting for serial correlation of return...
by willthrill81
Tue Apr 13, 2021 2:56 pm
Forum: Investing - Theory, News & General
Topic: Another 2.8% SWR Article Quoting Wade Pfau
Replies: 252
Views: 13893

Re: Another 2.8% SWR Article Quoting Wade Pfau

I was only using 2% likelihood of failure in each year for illustrative purposes. I'll be willing to bet that the likelihood of zero historic failures according to your model would be very low, even though that's what actually happened. There have not been "zero historic failures": a 4% W...
by willthrill81
Tue Apr 13, 2021 2:55 pm
Forum: Investing - Theory, News & General
Topic: Another 2.8% SWR Article Quoting Wade Pfau
Replies: 252
Views: 13893

Re: Another 2.8% SWR Article Quoting Wade Pfau

My point is that I strongly suspect that vineviz's model is overly pessimistic, partly because it sounds like it doesn't take into account the fact that stock prices and expected returns tend to move against each other. Such a suspicion would be unfounded. Adjusting for serial correlation of return...
by willthrill81
Tue Apr 13, 2021 11:53 am
Forum: Investing - Theory, News & General
Topic: Another 2.8% SWR Article Quoting Wade Pfau
Replies: 252
Views: 13893

Re: Another 2.8% SWR Article Quoting Wade Pfau

So what's the likelihood that 4% would never have failed in U.S. history using such a model? If the likelihood was 2% in any given year, we would expect to have seen multiple failures over 80+ rolling 30 year periods, but we haven't. Finding a solid estimate for this likelihood would certainly requ...
by willthrill81
Tue Apr 13, 2021 11:48 am
Forum: Personal Consumer Issues
Topic: Flooring decisions for whole house - tile vs laminate
Replies: 31
Views: 2861

Re: Flooring decisions for whole house - tile vs laminate

We've had both laminate and ceramic/porcelain tile in various homes, and I would never choose laminate again. Its water resistance is poor; unless surface water is dried in fairly short order, the seams will swell up permanently. Almost any water getting under it will ruin it. And tile is far more d...
by willthrill81
Tue Apr 13, 2021 11:40 am
Forum: Investing - Theory, News & General
Topic: Another 2.8% SWR Article Quoting Wade Pfau
Replies: 252
Views: 13893

Re: Another 2.8% SWR Article Quoting Wade Pfau

HomerJ wrote: Tue Apr 13, 2021 11:34 am How can someone accurately predict the chances of something that has never happened before in the U.S.?
Excellent point. Making estimates of the likelihood of an event that has never happened in your data is fraught with risk, so much so that many statisticians won't even attempt to do so.
by willthrill81
Tue Apr 13, 2021 11:36 am
Forum: Investing - Theory, News & General
Topic: Another 2.8% SWR Article Quoting Wade Pfau
Replies: 252
Views: 13893

Re: Another 2.8% SWR Article Quoting Wade Pfau

So what's the likelihood that 4% would never have failed in U.S. history using such a model? If the likelihood was 2% in any given year, we would expect to have seen multiple failures over 80+ rolling 30 year periods, but we haven't. I’m not sure this inference can be made given so few independent ...
by willthrill81
Tue Apr 13, 2021 9:54 am
Forum: Investing - Theory, News & General
Topic: Another 2.8% SWR Article Quoting Wade Pfau
Replies: 252
Views: 13893

Re: Another 2.8% SWR Article Quoting Wade Pfau

One could declare a probability distribution for a range of expected SWR's, and we could actually test their ability to predict SWR's. Even leaving aside the fact that we're not actually making a prediction about the SWR (an estimate and a prediction aren't the same thing), testing the accuracy of ...
by willthrill81
Mon Apr 12, 2021 4:14 pm
Forum: Investing - Theory, News & General
Topic: Another 2.8% SWR Article Quoting Wade Pfau
Replies: 252
Views: 13893

Re: Another 2.8% SWR Article Quoting Wade Pfau

Any depletion of one's portfolio after 30 years of '4% fixed real dollar' withdrawals was not a common historical occurrence, as the graph below from Kitces shows. I believe it only happened in about 11 out of 117 periods. And in most of those 11 instances, more than 50% of the starting balance was...
by willthrill81
Mon Apr 12, 2021 3:57 pm
Forum: Investing - Theory, News & General
Topic: Another 2.8% SWR Article Quoting Wade Pfau
Replies: 252
Views: 13893

Re: Another 2.8% SWR Article Quoting Wade Pfau

Can you tell us why it has worked and why it would be lucky to work in the future? You are the one making the claim. Are you saying you have a grasp of economic variables to an extent that it allows you to understand the probabilities of future outcomes enough to make claims about the potential suc...
by willthrill81
Mon Apr 12, 2021 9:59 am
Forum: Personal Consumer Issues
Topic: Would (did) you preemptively replace your Roof Shingles
Replies: 51
Views: 3465

Re: Would you preemptively replace your Roof

Call 3 reputable licensed roofing contractors for an estimate and professional evaluation of the roof. Ask an expert. j🌺 Is asking a roofing contractor for a professional evaluation of your roof the same as asking a barber if you need a haircut? This is what I probably will do, but feel like you (i...
by willthrill81
Mon Apr 12, 2021 9:50 am
Forum: Investing - Theory, News & General
Topic: Another 2.8% SWR Article Quoting Wade Pfau
Replies: 252
Views: 13893

Re: Another 2.8% SWR Article Quoting Wade Pfau

This is just amusing to me at this point. Didn't Bill Bengen just say the new SWR is around 5% a few months ago? Man oh man, this stuff changes on a whim! It's all just noise. Don't worry about it, no one knows what's gonna happen. Actually, Bengen and Pfau are looking at the same data and coming t...
by willthrill81
Mon Apr 12, 2021 9:47 am
Forum: Investing - Theory, News & General
Topic: Another 2.8% SWR Article Quoting Wade Pfau
Replies: 252
Views: 13893

Re: Another 2.8% SWR Article Quoting Wade Pfau

Wade Pfau has made a career out of writing articles espousing absurdly low withdrawal rates. Seriously, it's the thing he's known for. It's like he's encouraging his clients to have larger than necessary portfolios because he makes more money that way. At this point, Pfau is very much the 'boy who ...
by willthrill81
Sun Apr 11, 2021 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11181

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

It's neither easy nor cheap to make yourself 'paper poor' in order to get on Medicaid. Moving a tax-deferred balance into a trust requires realizing the income first and paying taxes accordingly. Which is the whole point of this thread...tax-deferred balances are a pain to deal with in retirement. ...
by willthrill81
Sun Apr 11, 2021 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11181

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

While we're talking about Roth vs/ tIRA, what is the impact on the portfolio value - tax deferment of contributions and savings in a tIRA until 72 - vs paying taxes on contributions and never taxing distributions in a Roth? Just to make it entertaining, you can use an RMD schedule and / or an assum...
by willthrill81
Sun Apr 11, 2021 10:02 pm
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 259
Views: 19324

Re: Who is your favorite fiction author and what is your favorite book of theirs?

I recently re-read Huckleberry Finn and To Kill a Mockingbird. Hate to say it, but Huck finn was dated and completely terrible. I do understand that at the time it was truly novel in its extensive use of slang (which set quite a few unfortunate stereotypes in media, but that's not why I didn't like...
by willthrill81
Sun Apr 11, 2021 9:45 pm
Forum: Personal Consumer Issues
Topic: Tire experts? Can I trust a patched tire?
Replies: 55
Views: 7570

Re: Tire experts? Can I trust a patched tire?

From what I've seen and heard, patches (i.e., done from the interior of the tire) are more reliable than plugs, but the only issue I've ever heard of with even a plug was a slow leak. I've never even heard a rumor of a blowout occurring on a patched or plugged tire. About a month ago, my DW and I sa...
by willthrill81
Sun Apr 11, 2021 3:48 pm
Forum: Investing - Theory, News & General
Topic: CAPE: A much stronger predictor of stock returns than many think
Replies: 578
Views: 39276

Re: CAPE: A much stronger predictor of stock returns than many think

But there is a clear relationship between high CAPE values and expected returns. They tend to be higher when CAPE is lower, and they tend to be lower when CAPE is higher. Correct, and HomerJ has said so himself in this very thread. But the issue has been that we can't have too much confidence in th...
by willthrill81
Sun Apr 11, 2021 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11181

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

I don't know what 'stealth tax increases' you're referring to other than perhaps the taxation of SS benefits that has already been discussed in this thread. The ACA and IRMMA are effectively taxes because if you can engineer your MAGI lower, then you get a bigger subsidy or you pay less. Besides SS...
by willthrill81
Sun Apr 11, 2021 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11181

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

tj wrote: Sun Apr 11, 2021 1:13 pm The exempt portion of social security is still at 1983 numbers, I would imagine everyone should plan for 85% of their SS to be taxed, if they fall into one of the lower SS brackets, it's a bonus.
That's exactly what we do.
by willthrill81
Sun Apr 11, 2021 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11181

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

It's neither easy nor cheap to make yourself 'paper poor' in order to get on Medicaid. Moving a tax-deferred balance into a trust requires realizing the income first and paying taxes accordingly. Which is the whole point of this thread...tax-deferred balances are a pain to deal with in retirement. ...
by willthrill81
Sun Apr 11, 2021 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11181

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

It's neither easy nor cheap to make yourself 'paper poor' in order to get on Medicaid. Moving a tax-deferred balance into a trust requires realizing the income first and paying taxes accordingly. Which is the whole point of this thread...tax-deferred balances are a pain to deal with in retirement. ...
by willthrill81
Sun Apr 11, 2021 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11181

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

Medicaid pays nothing until you're financially destitute unless your assets have been placed into an irrevocable trust for at least five years and/or you have a Medicaid-compliant annuity in place. Medicaid planning is a thing you know? 5 years of planning is not much to get free healthcare for the...
by willthrill81
Sun Apr 11, 2021 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11181

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

Please explain to me how is holding a large HSA worse then a large pretax IRA/401k? I view them as all one "pretax" bucket. You can itemize your medical expenses or use a FSA, so you don't need a HSA to get some tax benefit for medical expenses. Plus if you die suddenly, HSAs can't be inh...
by willthrill81
Sun Apr 11, 2021 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11181

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

No, Medicare does not cover all medical expenses. Medicare supplement part F covers everything beside prescription drug costs. Medicaid also covers nursing home if you need that as well. I'm guessing that you haven't looked at the findings of the study I linked to. Medicaid pays nothing until you'r...
by willthrill81
Sun Apr 11, 2021 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11181

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

I fully expect that many BHs will be surprised by their Federal marginal tax bracket in retirement. The various things that can lead to this (tax changes, becoming single, etc) have been discussed elsewhere. Yep, I shake my head at people with million dollar HSAs. Wait until they find out medicare ...
by willthrill81
Sun Apr 11, 2021 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11181

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

For the most part, only a small minority of retirees will be in a higher tax bracket than when they were working (unless they move to a state with higher taxes). And I don't feel sorry for those who are because it will nearly always (apart from the potentially lost child tax credit) mean that they ...
by willthrill81
Sat Apr 10, 2021 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11181

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

Personally, I'm happy with my "tax time bomb" IRA/401k holdings. If needed for long term care they'll probably come out pretty much tax free anyway. And if not needed for LTC I'll be very happy. I don't think this is possible. Wouldn't you still need to pay tax on it, even if used for hea...
by willthrill81
Sat Apr 10, 2021 10:46 pm
Forum: Personal Consumer Issues
Topic: The Great Swing Set Dilemma
Replies: 56
Views: 4574

Re: The Great Swing Set Dilemma

Not sure that I'll help you out in your decision. But... I'm trying to look at this long term and not just in the immediate term of what my son can or can't do. My advice in the "long term" - this likely won't be used. Or at least it wasn't in our case. Child is currently 12, and we proba...
by willthrill81
Sat Apr 10, 2021 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11181

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

Personally, I'm happy with my "tax time bomb" IRA/401k holdings. If needed for long term care they'll probably come out pretty much tax free anyway. And if not needed for LTC I'll be very happy. I don't think this is possible. Wouldn't you still need to pay tax on it, even if used for hea...
by willthrill81
Sat Apr 10, 2021 10:37 pm
Forum: Personal Consumer Issues
Topic: Pre buy Disney World tickets as inflation hedge
Replies: 43
Views: 7256

Re: Pre buy Disney World tickets as inflation hedge

I've been to WDW at least a dozen times. It's where many of my best memories were made. We took our then nearly three-year old daughter there with my parents three years ago and had a great time. We went in late-Jan.-early-Feb., and the crowds weren't too bad, though definitely more than we anticipa...
by willthrill81
Sat Apr 10, 2021 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11181

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

For the most part, only a small minority of retirees will be in a higher tax bracket than when they were working (unless they move to a state with higher taxes). And I don't feel sorry for those who are because it will nearly always (apart from the potentially lost child tax credit) mean that they a...
by willthrill81
Sat Apr 10, 2021 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11181

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

Personally, I'm happy with my "tax time bomb" IRA/401k holdings. If needed for long term care they'll probably come out pretty much tax free anyway. And if not needed for LTC I'll be very happy. I don't think this is possible. Wouldn't you still need to pay tax on it, even if used for hea...
by willthrill81
Sat Apr 10, 2021 9:38 am
Forum: Investing - Theory, News & General
Topic: CAPE: A much stronger predictor of stock returns than many think
Replies: 578
Views: 39276

Re: CAPE: A much stronger predictor of stock returns than many think

Forester wrote: Sat Apr 10, 2021 5:36 am US CAPE is now over 37, highest since the year 2000 https://www.multpl.com/shiller-pe/table/by-month

The real 10yr yield today is -0.64%, back then it was 1.77%.
The latter is a likely contributor to the former.
by willthrill81
Fri Apr 09, 2021 9:15 am
Forum: Personal Consumer Issues
Topic: Housing circumstances
Replies: 44
Views: 2630

Re: Housing circumstances

How confident are you in selecting the right neighborhood? It can be hard to figure out where you want to live in a city until you are there for a year or 2. That is why lots of people rent initially. That's precisely what we did before buying our current home. We spent months driving all around th...