Friend selling home that purchased in 2022

[shaktimaan]

1 hour ago, kakatiya said:

Bro how is it possible..rent 3500$ kante maximum evadu pay cheyadu.. monthly mortgage around 5200$ ..bokka malli.

can never understand how people are comfortable paying that money for just a mortgage not considering other expenses. If its a single paycheck they won’t have a life here 

[Pavanonline]

16 minutes ago, papampasivadu said:

vast majority of americans don't even save that 10k/ yr...they are perpetually in debt all the time buying new cars and unnecessary junk and have no planning for retirement...you should probably ask them for genuine answers...

10k a yr for 30 yrs in a s&P 500 fund (if it performs 8% annually) will yield a little more than a million $...that combined with ssn payments is considered a good sum for retiring by many americans

I'm talking from H1 perspective. For americans it's their home country so it's vastly different and we need to compare apples to apples not average american. If you are investing all 10k and have that discipline to not move them then fine.

[Sucker]

29 minutes ago, Pavanonline said:

I'm talking from H1 perspective. For americans it's their home country so it's vastly different and we need to compare apples to apples not average american. If you are investing all 10k and have that discipline to not move them then fine.

Anna naaku 500 kuda migalatam ledhu anna year ki 

[Pavanonline]

11 minutes ago, Sucker said:

Anna naaku 500 kuda migalatam ledhu anna year ki 

@csrcsr ki cheppu ne @TuesdayStories @perugu_vada thintu vintadu

[Sucker]

4 minutes ago, Pavanonline said:

@csrcsr ki cheppu ne @TuesdayStories @perugu_vada thintu vintadu

 

[VictoryTDP]

44 minutes ago, Sucker said:

Anna naaku 500 kuda migalatam ledhu anna year ki 

Mingandi kani athi mingakandi ani peddayana Mahatma cheppadu

[Sucker]

3 minutes ago, VictoryTDP said:

Mingandi kani athi mingakandi ani peddayana Mahatma cheppadu

 

27 minutes ago, Sucker said:

 

 

[VictoryTDP]

1 hour ago, Mr Mirchi said:

800k bought, 820K selling...90K upgrades.....800 lo e 90 inlcuded aaa

 

mari intesrest other home expeses..add cheyali..tax  add cheyyil...appudu cheppu pettina dhaniki pocket loki vachina dhaniki diff

800 - base 

90 k upgrades

closing and other costs - 50 k

intlo furniture and other misc- 50k

 

1 mil - total cost so selling for 800k ani na yokka understanding, experts help me here 

[CrazyLuckyGuy]

3 hours ago, kakatiya said:

Bro how is it possible..rent 3500$ kante maximum evadu pay cheyadu.. monthly mortgage around 5200$ ..bokka malli.

$5200 aa , 2500 ( including property tax) kattadame yekkuva anukuna … 

[kakatiya]

1 hour ago, CrazyLuckyGuy said:

$5200 aa , 2500 ( including property tax) kattadame yekkuva anukuna … 

That's how it should.be 2500$ is ideal..

.tax 800_900$

[Konebhar6]

India is not a bad option to go back. Plenty of opportunities for business. If you come up with a plan or commodity with quality, you can make a merry. 

I am surprised people have not looked into Milk business. Raise funds, buy lots of buffaloes and sell for a premium price with out any contamination. There is hell lot of demand for it. 

[Konebhar6]

7 hours ago, papampasivadu said:

vast majority of americans don't even save that 10k/ yr...they are perpetually in debt all the time buying new cars and unnecessary junk and have no planning for retirement...you should probably ask them for genuine answers...

10k a yr for 30 yrs in a s&P 500 fund (if it performs 8% annually) will yield a little more than a million $...that combined with ssn payments is considered a good sum for retiring by many americans

Saw these calculations online how you invest 10k initally with 6k every year and how its $1.15M after 10 yrs with dividend reinvestment... 

Year	Principal	Contribution	Yield	Yield on Cost	Income	Taxes	After DRIP	Principal Increase	New Balance
1	$10,000.00	$6,000.00	3.00%	3.00%	$300.00	$0.00	$10,300.00	$1,000.00	$17,300.00
2	$17,300.00	$6,000.00	3.00%	3.24%	$519.00	$0.00	$17,819.00	$1,730.00	$25,549.00
3	$25,549.00	$6,000.00	3.00%	3.48%	$766.47	$0.00	$26,315.47	$2,554.90	$34,870.37
4	$34,870.37	$6,000.00	3.00%	3.74%	$1,046.11	$0.00	$35,916.48	$3,487.04	$45,403.52
5	$45,403.52	$6,000.00	3.00%	4.01%	$1,362.11	$0.00	$46,765.62	$4,540.35	$57,305.98
6	$57,305.98	$6,000.00	3.00%	4.30%	$1,719.18	$0.00	$59,025.15	$5,730.60	$70,755.75
7	$70,755.75	$6,000.00	3.00%	4.61%	$2,122.67	$0.00	$72,878.42	$7,075.58	$85,954.00
8	$85,954.00	$6,000.00	3.00%	4.96%	$2,578.62	$0.00	$88,532.62	$8,595.40	$103,128.02
9	$103,128.02	$6,000.00	3.00%	5.33%	$3,093.84	$0.00	$106,221.86	$10,312.80	$122,534.66
10	$122,534.66	$6,000.00	3.00%	5.74%	$3,676.04	$0.00	$126,210.70	$12,253.47	$144,464.17
11	$144,464.17	$6,000.00	3.00%	6.19%	$4,333.93	$0.00	$148,798.09	$14,446.42	$169,244.51
12	$169,244.51	$6,000.00	3.00%	6.68%	$5,077.34	$0.00	$174,321.85	$16,924.45	$197,246.30
13	$197,246.30	$6,000.00	3.00%	7.22%	$5,917.39	$0.00	$203,163.69	$19,724.63	$228,888.32
14	$228,888.32	$6,000.00	3.00%	7.80%	$6,866.65	$0.00	$235,754.97	$22,888.83	$264,643.80
15	$264,643.80	$6,000.00	3.00%	8.45%	$7,939.31	$0.00	$272,583.11	$26,464.38	$305,047.49
16	$305,047.49	$6,000.00	3.00%	9.15%	$9,151.42	$0.00	$314,198.92	$30,504.75	$350,703.66
17	$350,703.66	$6,000.00	3.00%	9.93%	$10,521.11	$0.00	$361,224.77	$35,070.37	$402,295.14
18	$402,295.14	$6,000.00	3.00%	10.78%	$12,068.85	$0.00	$414,363.99	$40,229.51	$460,593.51
19	$460,593.51	$6,000.00	3.00%	11.71%	$13,817.81	$0.00	$474,411.31	$46,059.35	$526,470.66
20	$526,470.66	$6,000.00	3.00%	12.74%	$15,794.12	$0.00	$542,264.78	$52,647.07	$600,911.85
21	$600,911.85	$6,000.00	3.00%	13.87%	$18,027.36	$0.00	$618,939.21	$60,091.19	$685,030.39
22	$685,030.39	$6,000.00	3.00%	15.11%	$20,550.91	$0.00	$705,581.30	$68,503.04	$780,084.34
23	$780,084.34	$6,000.00	3.00%	16.48%	$23,402.53	$0.00	$803,486.87	$78,008.43	$887,495.31
24	$887,495.31	$6,000.00	3.00%	17.99%	$26,624.86	$0.00	$914,120.17	$88,749.53	$1,008,869.70
25	$1,008,869.70	$6,000.00	3.00%	19.65%	$30,266.09	$0.00	$1,039,135.79	$100,886.97	$1,146,022.76

Assumptions made below .. 

Annual Contribution	$6,000.00
Starting Pricipal	$10,000.00
Dividend Tax Rate	0.00%
Dividend Yield	3.00%
Expected Share Price Appreciation	10.00%
Expected Dividend Increase	10.00%
Dividend Reinvestment	TRUE

[VangaGandu]

1 hour ago, Konebhar6 said:

Saw these calculations online how you invest 10k initally with 6k every year and how its $1.15M after 10 yrs with dividend reinvestment... 

 

Year	Principal	Contribution	Yield	Yield on Cost	Income	Taxes	After DRIP	Principal Increase	New Balance
1	$10,000.00	$6,000.00	3.00%	3.00%	$300.00	$0.00	$10,300.00	$1,000.00	$17,300.00
2	$17,300.00	$6,000.00	3.00%	3.24%	$519.00	$0.00	$17,819.00	$1,730.00	$25,549.00
3	$25,549.00	$6,000.00	3.00%	3.48%	$766.47	$0.00	$26,315.47	$2,554.90	$34,870.37
4	$34,870.37	$6,000.00	3.00%	3.74%	$1,046.11	$0.00	$35,916.48	$3,487.04	$45,403.52
5	$45,403.52	$6,000.00	3.00%	4.01%	$1,362.11	$0.00	$46,765.62	$4,540.35	$57,305.98
6	$57,305.98	$6,000.00	3.00%	4.30%	$1,719.18	$0.00	$59,025.15	$5,730.60	$70,755.75
7	$70,755.75	$6,000.00	3.00%	4.61%	$2,122.67	$0.00	$72,878.42	$7,075.58	$85,954.00
8	$85,954.00	$6,000.00	3.00%	4.96%	$2,578.62	$0.00	$88,532.62	$8,595.40	$103,128.02
9	$103,128.02	$6,000.00	3.00%	5.33%	$3,093.84	$0.00	$106,221.86	$10,312.80	$122,534.66
10	$122,534.66	$6,000.00	3.00%	5.74%	$3,676.04	$0.00	$126,210.70	$12,253.47	$144,464.17
11	$144,464.17	$6,000.00	3.00%	6.19%	$4,333.93	$0.00	$148,798.09	$14,446.42	$169,244.51
12	$169,244.51	$6,000.00	3.00%	6.68%	$5,077.34	$0.00	$174,321.85	$16,924.45	$197,246.30
13	$197,246.30	$6,000.00	3.00%	7.22%	$5,917.39	$0.00	$203,163.69	$19,724.63	$228,888.32
14	$228,888.32	$6,000.00	3.00%	7.80%	$6,866.65	$0.00	$235,754.97	$22,888.83	$264,643.80
15	$264,643.80	$6,000.00	3.00%	8.45%	$7,939.31	$0.00	$272,583.11	$26,464.38	$305,047.49
16	$305,047.49	$6,000.00	3.00%	9.15%	$9,151.42	$0.00	$314,198.92	$30,504.75	$350,703.66
17	$350,703.66	$6,000.00	3.00%	9.93%	$10,521.11	$0.00	$361,224.77	$35,070.37	$402,295.14
18	$402,295.14	$6,000.00	3.00%	10.78%	$12,068.85	$0.00	$414,363.99	$40,229.51	$460,593.51
19	$460,593.51	$6,000.00	3.00%	11.71%	$13,817.81	$0.00	$474,411.31	$46,059.35	$526,470.66
20	$526,470.66	$6,000.00	3.00%	12.74%	$15,794.12	$0.00	$542,264.78	$52,647.07	$600,911.85
21	$600,911.85	$6,000.00	3.00%	13.87%	$18,027.36	$0.00	$618,939.21	$60,091.19	$685,030.39
22	$685,030.39	$6,000.00	3.00%	15.11%	$20,550.91	$0.00	$705,581.30	$68,503.04	$780,084.34
23	$780,084.34	$6,000.00	3.00%	16.48%	$23,402.53	$0.00	$803,486.87	$78,008.43	$887,495.31
24	$887,495.31	$6,000.00	3.00%	17.99%	$26,624.86	$0.00	$914,120.17	$88,749.53	$1,008,869.70
25	$1,008,869.70	$6,000.00	3.00%	19.65%	$30,266.09	$0.00	$1,039,135.79	$100,886.97	$1,146,022.76

Assumptions made below .. 

 

Annual Contribution	$6,000.00
Starting Pricipal	$10,000.00
Dividend Tax Rate	0.00%
Dividend Yield	3.00%
Expected Share Price Appreciation	10.00%
Expected Dividend Increase	10.00%
Dividend Reinvestment	TRUE

[Konebhar6]

14 minutes ago, papampasivadu said:

Bro....3% annual yield plus 10% appreciation...and that too consistently year after year for 25 yrs? I don't think any publicly traded fund has achieved this so far...

If you know something we don't know...please, oka seperate thread esi aa knowledge share cheyyi bro...

These are just for calculations. My initial thought was same as you. But I did realize there are stocks/etfs that have achieved this. However It’s easy to look back and make these calculations. Difficulty is finding such stocks now.

also it may not be consistent growth of 10% every year but an average. I am sure there are plenty of div based stocks/etfs that have easily doubled in 5+ yrs. Currently doing analysis. Will start a thread soon.

[tokkalogola]

House warming link pettu