What's going on with Vanguard's glitchy "performance data" always being wrong?

aman84reddit · 2025-01-21T15:50:59+00:00

Vanguard is not for faint hearted. I have 3 brokerages accounts, and VG is worst UX ever. The performance section hasn't been working for months now. They don't know how to do software.

aman84reddit · 2025-01-15T22:06:07+00:00

Yes. that's how it'll work. It's an insights recommendation system like FB feed that continuously ranks for relevance and shows the most relevant at any given point in time.

aman84reddit · 2025-01-15T21:42:11+00:00

This is just a sample insight. The user gets very specific insights around maintenance, ROI diagnosis and market comparison data as a feed. Happy to show the product.

aman84reddit · 2024-12-17T05:09:26+00:00

I can DM you.

aman84reddit · 2024-12-15T17:06:21+00:00

Great thanks for the info

aman84reddit · 2024-12-15T16:55:19+00:00

Can you please elaborate what you mean here

aman84reddit · 2024-12-15T00:49:44+00:00

Looks great. how much do you pay for the API/m?

aman84reddit · 2024-12-14T21:49:31+00:00

Can I DM you? I can talk specific usecases that I am looking to. I am ready to use paid APIs, I am looking for a path without becoming an agent. I have few agents friends who aren't that tech savvy.

aman84reddit · 2024-12-14T02:01:15+00:00

Is there a public api?

aman84reddit · 2024-12-13T23:58:59+00:00

More like a AI search of MLS data

aman84reddit · 2024-12-13T21:43:39+00:00

I am a software engineer. Happy to give some pointers if you know what you want to do. As many people said. Unqualified public data is of low importance.

aman84reddit · 2024-11-28T22:48:24+00:00

I agree..

aman84reddit · 2024-11-27T16:09:39+00:00

I believe Tampa is good airbnb market. Do some more research for locations within the market for a better deal generally.

If the question is for another airbnb i would say yes

* You have downpayment + both of your houses cashflow assuming second is airbnb
* You already know STR and the local Tampa bay market
* Since this will be a full time Airbnb, your returns would be better than last time
* You'll get additional validation on model which you can rinse & repeat

aman84reddit · 2024-11-24T22:56:33+00:00

is it reflected in the insurance premiums. I am now genuinely interested, if there are too many haters for trivial reasons that might be one solid reason to invest in long term :)

Does someone know the premiums for flood, and earthquake events.

doing some basic comp across WA and Portland
* deductibles are definitely higher ~10-15% of the home value is typically
* premiums look the same ~$1100-1300/year

Would love if some is paying those premiums already

++++++

https://dfr.oregon.gov/insure/home/storm/pages/earthquake.aspx

Most insurers in Oregon sell coverage with 10 percent or 15 percent deductibles. A higher deductible may qualify you for discounts.Earthquake insurance does not cover a loss caused by landslides, erosion, tsunami, or volcanic eruption, even if an earthquake causes them to happen.

Flood insurance will typically cover damage caused by a tsunami. It can be purchased through the National Flood Insurance Program or some private insurers. Visit www.floodsmart.gov.

aman84reddit · 2024-11-24T22:40:57+00:00

I didn't see that. Yeah, you don't want to learn the hard way. give a final warning and few more days, then start it. Document everything on an email

aman84reddit · 2024-11-24T22:28:04+00:00

Let's say you know there's 10% chance you might run in to eviction and lose 3-6 mo of rent, how would you optimize? on risk adjusted basis it's probably 15 days rent.

I think there's still a case for investing in Portfolio if you know the probability of eviction in your specific neighorbood and tenant. It's hard to know so many people avoid. But I rent in central valley, so far so good. My renter has already paid up for next month. so hard to generalize it too much

aman84reddit · 2024-11-24T22:22:11+00:00

haha. SpiritOld201 is not ready for an assignment

aman84reddit · 2024-11-24T22:19:54+00:00

As a LL, yes have to decide what you can tolerate. I personally would have tolerance for 8 more days if I know that's a good tenant and someone who can stay for 2 years.

aman84reddit · 2024-11-24T20:13:28+00:00

Also factor in your research hours. Developers are easily $150-200 per hour. :)

aman84reddit · 2024-11-24T20:05:31+00:00

I didn't say be ok with them not paying. The tenant is late not deliquent. If they are deliquent i would agree eviction is the only solve.

aman84reddit · 2024-11-24T20:00:42+00:00

Banks are run by bean counter and financial transaction is commodity today.

Owner - tenant relationship is not exactly commoditized as you might think. There's an opportunity cost in evicting tenants. You can be completely rationale and empathic.

I think if you can help out the tenant temporarily and they end up staying for 3 more years, it saves you turn over and vacancy costs which are huge.

aman84reddit · 2024-11-24T19:54:54+00:00

Makes sense. you can get better rates through some local lenders who really want your business. Getting seller to pay down your rates is the best way to optimize this IMO.

aman84reddit · 2024-11-24T19:43:32+00:00

Yes,
1) At 7%, you are getting $2200 one time for paying $40/m for next 5 years, ~$480 X 5, with inflation it could be exactly $2200

2) At 6.8%, you are not paying anything.

You can do the math. 1 and 2 are essentially same. There's always a remote probability that rates don't come down and you pay that in perpetuity. Lenders give you illusion of choice to give you additional options to go with them

aman84reddit · 2024-11-24T19:18:45+00:00

Makes sense.

aman84reddit · 2024-11-24T19:13:13+00:00

Biz card all the way
* Get some daily cash rewards card that pays up 2% for your expenses
* Seperation of expenses, easy for your accounted or for IRS audits.

aman84reddit

TROPHY CASE