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Okie, what does HDO charge it's investors?

Yeah, man. Not trying to argue. Everyone has their own unique situation. I just hate seeing people with marginal savings banking on double digit returns to make it. I try to figure conservatively to be over my goal. I am also blessed with two federal pensions that will fully fund my retirement, plus I can start drawing social security at 58, not that I’m planning on that being anything of value. I’m also enjoying today. Who knows, I may not be around at retirement.

mine has been around 9 lately using my own knowledge gained from 30 years of investing. but what did it do from 2001-2005? and from 2008-2015? i look at the worst eras in my life and base my expectations on that. 90's was great. 2001-2015, not so great.

I got in for around 350 a year three years ago. Was grandfathered in at that rate. I think it is up to around 500 a year now (or 64 per month.) I made back my fee in the first couple of weeks. There is a two-week free trial period where you can check everything out to see if it is for you. All payments are made online through the Seeking Alpha website. Pretty slick.

The best thing to do with broke people is sell them your real estate.

How I’d love to have 20K in passive RE


Be the first to admit I’ve missed some big gains for not willing to stick my neck out farther.


But hard to get your head chopped off if you don’t stick your neck out too far.

I like RE to pay for RE, or rather tenants helping us buy RE.

Never considered my house an investment in anything other than peace of mind.

Once it was paid for, we saved up some shekels and built our first rental house, outa pocket. Now we had some RE, the duplex we bought later paid off pretty fast since we now had 3 payments working on the principal.


Last condo we bought we were gonna take out a loan, since we’d started an Llc for our rentals. But they jerked us around too much, and we had impending travel dates so we just said f it and paid cash



Everybody has different ideas on how to get their fam to the land of milk and honey, and I wish everyone good fortune in their endeavors.


But if ole Dave has nada else going for him, make yourself employable and pay yourself first. Pretty good words to live by imo&e

80's and 90's were great, 2015 on is great, but you're right "the lost decade" was a long, painful period. I know. I started putting money into retirement around 1998, and it went nowhere, slow. Then again 2017 was great, and I made more that year than in the whole lost decade. That's the nature of long term investing. The good times come in very quick rallies, and if you're not in the market, you will miss them.

I've said this a number of times before, but I think it bears repeating. Especially for women, living into their nineties is entirely realistic. So a woman has an investment of almost 30 years if she retires at 65. That's a LONG, LONG, LOOOONG time for money to be invested "conservatively". Yes, periods like the lost decade ARE going to happen, bet on it. But with a 30 year time horizon, who can afford to go conservative early, and barely beat inflation? With a 30 year time horizon, the funds that will be needed 10, 20 and 30 years out should remain "aggressively" invested. Sure, take some money off the craps table to cover living expenses for the next five or even ten years, but not ALL of it.