Real Estate

Taking $2,000 Bubble Baths – A Home Maintenance Story

Real estate is my favorite asset class to build wealth. However, real estate also requires ongoing home maintenance expenses. Here’s my latest home maintenance story that involves bubble baths. And it was a disaster! Home Maintenance And My $2,000 Bubble Bath As a guy, I’m not afraid to admit that I love taking baths.  In […]

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Should I Sell My House Due To The Facebook Effect?

There is no doubt San Francisco Bay Area real estate, specifically real estate on the Peninsula and in San Francisco is strong. There’s also been a huge push to provide tax incentives for high tech companies to set up offices in San Francisco. You should ask yourself: Should I sell my house now? With so much

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How To Always Feel At Home While On Vacation – Never Feel Homesick Again!

If you’re like most people, you love going on vacation! After taking 5 weeks off from 2007 to 2009, and 6 weeks off in 2010 and 2011, followed by 10 weeks off in 2012, 2013, and 2014, I fancy myself as a “certified vacation expert”!  Now, I’m on permanent vacation as an early retiree. You

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The Shady Real Estate Industry: Misleading Appraisals

The real estate industry is shady. From shady appraisers to stubbornly high commissions even after huge improvements online. The good thing about a shady industry, however, is that you can deploy various tactics to get yourself a better deal. The appraiser came out to my rental the other weekend and spent a total of 3

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Should Homeownership Still Be The American Dream?

For the longest time, homeownership has been considered a part of the American dream. However, as the housing market continues to go up post-pandemic, perhaps we should question whether this dream should continue? This post was originally published on Nov 29, 2011, right after the Global Financial Crisis. The housing market got crushed and many

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To Cash-Out Refinance And Make It Rain…. Or Not

Are you thinking about doing a cash-out refinance on your property? First of all, make sure you understand what is involved and how it differs from a HELOC and cash-in refinance for that matter. Cash-out refinances generally increase during a housing bull market. However, if the real estate market declines, those who cashed out will

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Cash-Out Mortgage Refinancing As A Way To Lower Your Tax Bill

Conducting a cash-out mortgage refinancing is a way to lower your tax bill. And we all want to lower our taxes! You should defer or shield as much income as comfortably possible until retirement to minimize your present tax bill.  The odds of your retirement income equaling your working income is slim-to-none. Therefore, your retirement tax

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During Market Panics Debtors And Investors Win While Savers Lose

During market panics, debtors and investors win, while savors lose. Let me explain. I’m feeling a little sadistic right now. A large part of me is hoping the equity markets take a big dump again before the end of summer. Bring on the pain baby! I thought I was absolutely done with refinancing my primary

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How To Make $50,000 A Year For Free From The Government

Someone once said “there’s no such thing as a free lunch”.  They lied. With $50,000 a year, you can buy yourself 5,000 free lunches thanks to the generosity of the government!  What are you talking about, I can hear you thinking. It’s pretty simple really.  In addition to giving struggling homeowners a free $50,000 over a

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Free $50,000 Bailout Gift From Government To Homeowners!

Do you want a bailout gift from the government? Well, it’s happening all the time with the CARES Act, enhanced unemployment benefits, stimulus checks, and more. The fact of the matter is, we paid for the bailout gifts through taxes. The Emergency Homeowner Loan Program, or EHLP, aka Government Big Daddy Bailout Fund will provide

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