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Find more in Deals & Offers, Entrepreneurial | 9/20 | 4 Comments The NYT Economix free credit report credit score Gainesville blog points out that rents are rising again according to inflation free credit report credit score Gainesville data from the Bureau of free credit report credit score Gainesville Labor Statistics. The chart included doesnt have zero on the y-scale, but a value of 100 corresponds to rent from 1982-1984. Rents nationwide are about 40% above their values in 2000. I recently saw the last house I used to rent on Craiglist and the rent was up 15% from 4 years ago.

There is definitely an increase in the number of renters, and perhaps there free credit report credit score Gainesville is also an overall psychological shift in that less people think homeownership is a part of free credit report credit score Gainesville the American Dream. Perhaps this means its a better time to free credit report credit score Gainesville be landlord? Home prices are still hanging around 2003 levels: Although I know many successful people who are landlords, I dont now if Im cut out for it.

However, I do like buying real estate investment trust (free credit report credit score Gainesville REITs), which allows me to collect rent like I collect stock free credit report credit score Gainesville dividends. law credit report Heres a post all about REITs.) I even did a comparison post of rental property vs. I continue to get my real estate exposure through the low-cost, passively-managed Vanguard REIT Index Fund, available both as a mutual fund and ETF. It tracks the MSCI US REIT Index and includes all kinds of real estate, currently holding 20% in residential ETFs that own things like apartment complexes. It like the diversification free credit report credit score Gainesville of this fund, even though it can be a rough ride, and in a struggling economy things like commercial properties will be harder to rent out.

Heres the growth of $10,000 chart of both the Vanguard REIT Index Fund and the SP 500 index, from mid-1996 to today.

This type of chart accounts for total return, including dividends. all 3 credit reports free The REIT fund has done better than free credit report credit score Gainesville the SP 500, which some free credit report credit score Gainesville may find surprising (or not) given the housing bust.

As you can also see, they dont always move together, which is good. Including REITs and rebalancing has offered a way to achieve better returns even if you like a simple buy and hold portfolio. I cant guarantee that this type of helpful diversification will continue in the future, but Im happy with my current portfolio right now, and am glad to be a lazy landlord in this manner.

Find more in Investing, free credit report credit score Gainesville Real Estate | 9/19 | 4 free credit report credit score Gainesville Comments Recent political debates have brought up comparisons between Social Security and Ponzi schemes. (Have you read the book about the real Ponzi?) Even though seemingly every single economist on Earth has weighed in, this discussion has been free credit report credit score Gainesville around for so long that the Social Security website already has an entire page dedicated to addressing it. To summarize, yes Social Security shares some traits with Ponzi schemes in that money from free credit report credit score Gainesville new participants goes to earlier participants. credit 3 However, it relies on a rather straightforward transfer and does not depend on an exponential growth of new participants to be free credit report credit score Gainesville sustainable. What I pay into Social Security today goes straight to a current retirees Social Security check. When I retire, my paycheck free credit report credit score Gainesville will be supported by a younger workers taxes. The problem is, that the ratio of workers to retirees is getting rather low.