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(former)FormerSanDiegan
Participant[quote=Nor-LA-SD-guy]All this would do is put more money into the hands of people who invest in cash flow rentals,
OK more people would probably rent instead of buy and that may drive down property price for a while, but in the end it will just put more money into cash flow rental investors.
Choose your poison …[/quote]
Good point … amd this is a point people fail to grasp.
Currently, the price point at which a home makes financial sense as owner occupied is higher than when considered as a cash flow rental. If the owner occupied mortgage deduction is eliminated, the price point at which property becomes favorable to own as a rental will kick in at a higher price point than where it pencils out as owner occupied. In the long run this does not favor renters who would-be owners. In fact it would raise the differential between renting and owning. The reason is that interest is accounted as a business expense, not a deduction. The long-term equilibrium would tend to favor investors rather than renters who seek to become future owners.
August 29, 2009 at 8:45 AM in reply to: What’s your 401K return as of Aug 28, 2009 for the year #450447Participant[quote=smshorttimer]
Dumb question. Do these figures being given count contributions?[/quote]No.
August 29, 2009 at 8:45 AM in reply to: What’s your 401K return as of Aug 28, 2009 for the year #450636Participant[quote=smshorttimer]
Dumb question. Do these figures being given count contributions?[/quote]No.
August 29, 2009 at 8:45 AM in reply to: What’s your 401K return as of Aug 28, 2009 for the year #450975Participant[quote=smshorttimer]
Dumb question. Do these figures being given count contributions?[/quote]No.
August 29, 2009 at 8:45 AM in reply to: What’s your 401K return as of Aug 28, 2009 for the year #451049Participant[quote=smshorttimer]
Dumb question. Do these figures being given count contributions?[/quote]No.
August 29, 2009 at 8:45 AM in reply to: What’s your 401K return as of Aug 28, 2009 for the year #451237Participant[quote=smshorttimer]
Dumb question. Do these figures being given count contributions?[/quote]No.
August 28, 2009 at 3:48 PM in reply to: What’s your 401K return as of Aug 28, 2009 for the year #450229ParticipantFidelity says 19.7% on the 401k (this is about 10% of our retirement savings)
Our IRAs are up ~ 12%.
These are more conservative (currently ~ 35-40% cash).Depressing thing is that one rollover IRA is up about 14.3 % … since 2001 !
At least that beats the S&P over that period, since it is down about 12% over the same period.August 28, 2009 at 3:48 PM in reply to: What’s your 401K return as of Aug 28, 2009 for the year #450421ParticipantFidelity says 19.7% on the 401k (this is about 10% of our retirement savings)
Our IRAs are up ~ 12%.
These are more conservative (currently ~ 35-40% cash).Depressing thing is that one rollover IRA is up about 14.3 % … since 2001 !
At least that beats the S&P over that period, since it is down about 12% over the same period.August 28, 2009 at 3:48 PM in reply to: What’s your 401K return as of Aug 28, 2009 for the year #450757ParticipantFidelity says 19.7% on the 401k (this is about 10% of our retirement savings)
Our IRAs are up ~ 12%.
These are more conservative (currently ~ 35-40% cash).Depressing thing is that one rollover IRA is up about 14.3 % … since 2001 !
At least that beats the S&P over that period, since it is down about 12% over the same period.August 28, 2009 at 3:48 PM in reply to: What’s your 401K return as of Aug 28, 2009 for the year #450830ParticipantFidelity says 19.7% on the 401k (this is about 10% of our retirement savings)
Our IRAs are up ~ 12%.
These are more conservative (currently ~ 35-40% cash).Depressing thing is that one rollover IRA is up about 14.3 % … since 2001 !
At least that beats the S&P over that period, since it is down about 12% over the same period.August 28, 2009 at 3:48 PM in reply to: What’s your 401K return as of Aug 28, 2009 for the year #451018ParticipantFidelity says 19.7% on the 401k (this is about 10% of our retirement savings)
Our IRAs are up ~ 12%.
These are more conservative (currently ~ 35-40% cash).Depressing thing is that one rollover IRA is up about 14.3 % … since 2001 !
At least that beats the S&P over that period, since it is down about 12% over the same period.ParticipantNotice the not-so subtle shift in the definition of “shadow inventory” in this article.
The term “shadow inventory” typically refers to homes in various states of foreclosure that would hit the market some point in the future.
This article also includes as “shadow inventory” future inventory from would-be sellers who are not putting their home up because prices are too low.
i.e. those that would put their house up if prices were higher.This is not shadow inventory. It is simply an example of price elasticity of supply. In this example the supply could be highly elastic.
ParticipantNotice the not-so subtle shift in the definition of “shadow inventory” in this article.
The term “shadow inventory” typically refers to homes in various states of foreclosure that would hit the market some point in the future.
This article also includes as “shadow inventory” future inventory from would-be sellers who are not putting their home up because prices are too low.
i.e. those that would put their house up if prices were higher.This is not shadow inventory. It is simply an example of price elasticity of supply. In this example the supply could be highly elastic.
ParticipantNotice the not-so subtle shift in the definition of “shadow inventory” in this article.
The term “shadow inventory” typically refers to homes in various states of foreclosure that would hit the market some point in the future.
This article also includes as “shadow inventory” future inventory from would-be sellers who are not putting their home up because prices are too low.
i.e. those that would put their house up if prices were higher.This is not shadow inventory. It is simply an example of price elasticity of supply. In this example the supply could be highly elastic.
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