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Re: Term life questions

Dhodson, great point about the retirement being able to be used. I think actually overlooked that. Also, good tip to look at whitecoat investors. I have gone there and used that site for various things from 529 info to student loan debt. i'll look there what they have to say about disability insuran...
by bbrock
Thu Dec 11, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life questions
Replies: 24
Views: 2168

Re: Term life questions

Sorry, any input?
by bbrock
Wed Dec 10, 2014 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life questions
Replies: 24
Views: 2168

Re: Term life questions

I searched at Term4sale.com and have been in contact with an agent. I have discussed a couple of different options. Perhaps going with a 30 yr $300k term policy, and a 20 yr $200k policy. He seems to be trying to talk me out of splitting policies of course. I just want to control premiums a little b...
by bbrock
Wed Dec 10, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life questions
Replies: 24
Views: 2168

Re: Term life questions

Good point Laura, but even if a person leaves one company, there is always the possibility of getting a group LTD policy through his/her next employer. The one thing I am curious about though is what happens if an employee, who has a group LTD policy, becomes severely incapacitated and can't perform...
by bbrock
Tue Dec 02, 2014 1:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Term life questions
Replies: 24
Views: 2168

Re: Term life questions

Despite LTD policies being weaker than private policies, expected higher premiums w/ private policies, and since we will also have the premiums of life insurance policies, it seems as though it would be smarter from a monthly budget perspective to get a group policies, despite their shortcomings. We...
by bbrock
Mon Dec 01, 2014 11:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life questions
Replies: 24
Views: 2168

Re: Term life questions

Tx for all the great info & replies. Some questions/points. We just had open enrollment for both of our works. We didn't elect LTD insurance coverage through our employer. It seems as though, and from something I just read at Fool.com, that going that route would offer the least expensive avenue...
by bbrock
Mon Dec 01, 2014 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life questions
Replies: 24
Views: 2168

Re: Term life questions

I'm 39, wife 38.

I would use CA St. disability insurance, and my wife would use DI through Calpers, as she is employed for the State.
by bbrock
Sun Nov 30, 2014 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life questions
Replies: 24
Views: 2168

Re: Financial Planner

Prior to Rick posting this, I was just composing a post about looking at Garrett Planning Network. Rick, you beat me to it :D
by bbrock
Sun Nov 30, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Planner
Replies: 15
Views: 1398

Term life questions

Hi Bogleheads, I have begun looking at term life insurance. Per this site, I have been shopping at Term4Sale. To provide some background: my wife and I are both employed, have 19 mo. young twin boys, have a mortgage with $297k outstanding, my wife has student loan debt with $127k outstanding, we hav...
by bbrock
Sun Nov 30, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life questions
Replies: 24
Views: 2168

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Just updating things. I implemented part 1 of our 4 part plan. Recently, I purchased a 2011 Toyota Prius 5. Got a great deal on it and it is in great shape. Part 2, which we r working on, will be to sell (donate if all else fails) the '04 Honda CRV. As for part 3, based on researching, analyzing, an...
by bbrock
Wed Oct 01, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 11646

Re: How much excess 401k contribution is reportable to the I

Tx for the replies. LadyGeek, I don't even understand why you are throwing out the dishonesty card when I was seriously just bringing up something (the $10 point) that I thought was the way to handle it. Now I see that even if you don't receive a 1099, you are still responsible for reporting the ear...
by bbrock
Mon Sep 29, 2014 1:43 am
 
Forum: Personal Finance (Not Investing)
Topic: How much excess 401k contribution is reportable to the IRS
Replies: 8
Views: 804

How much excess 401k contribution is reportable to the IRS

Hey Bogleheads. Both my wife and I max our 401k accounts. Fortunately, my work stops my contributions when I hit the yearly max (i.e. $17,500 currently). But, for my wife, there is no such stop limit. Thus, each year, I have to report to the IRS her any excess contribution related to my wife's 401k....
by bbrock
Sun Sep 28, 2014 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much excess 401k contribution is reportable to the IRS
Replies: 8
Views: 804

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Letsgobobby, I can't tell you if that is a normal amount to be expected for wear and tear. I just know that as vehicles get older, we will see an increase in the amount of repairs that need to get done; repair costs will be go up. But, the saying goes, it's still cheaper to drive an older car that a...
by bbrock
Wed Aug 27, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 11646

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Browser/Letsgobobby, that's really good info to know. Tx for passing on. One small factor I've been thinking about lately is the loading of my Yakima skybox pro 16 S onto a Toyota Sequoia vs, for example, a Toyota Highlander. Rt now, it is only a small PITA to get it on/off my Subaru outback, more s...
by bbrock
Wed Aug 27, 2014 3:14 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 11646

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

tjwolf, impressive that u get that gas mileage in the Sequoia. More so, u keep it at 55-60. Driving "economical" to me, when I give myself the tim, is driving 70-75 on the fwy. If I went with the Sequoia, I am already planning on 15 overall. Maybe slightly better on fwy. What does it avg u...
by bbrock
Wed Aug 13, 2014 3:42 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 11646

Re: Donate goods purchased with FSA account?

Report this for what & why?
U missed the operative word, hypothetical. Didn't know stuff can't even be talked about. I guess mum's the word.
by bbrock
Fri Aug 08, 2014 1:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Donate goods purchased with FSA account?
Replies: 12
Views: 934

Re: Donate goods purchased with FSA account?

Tx you all for the info. Yes, I just grabbed an example. Correct, breast pumps are covered now. We benefited from that exact mandate when we had our twins. PJW, you wrote that it is not legal, which I expected. You then stated that the FSA funds have to be used for covered/qualifying individuals. Hy...
by bbrock
Thu Aug 07, 2014 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Donate goods purchased with FSA account?
Replies: 12
Views: 934

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Hey K.I.S., or Letsgobobby, or anyone else who may know, what are the crash test ratings on the Sequoia? I was looking at both the IIHS and NHTSA and there is no data on the 2014 models or many years back for that matter.
by bbrock
Thu Aug 07, 2014 9:43 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 11646

Donate goods purchased with FSA account?

Hi Bogleheads, I am in the process of using our FSA accounts. Just had a random thought about its usage. Is it legal to make purchases of approved items (e.g. breast pumps), which don't require prescriptions or letters of medical necessity, and then donate those items to take a write off? I quickly ...
by bbrock
Wed Aug 06, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Donate goods purchased with FSA account?
Replies: 12
Views: 934

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

+1 K.I.S. to your last post. And you too Bottlecap. When I do an analysis just purely looking at fuel costs, a Sequoia and a Prius comes out ahead with a savings of $462/yr or only costing approx. $232/yr. vs. our '09 Outback and '04 CRV. Both my wife and I are commuters, so I have broken down a cou...
by bbrock
Wed Aug 06, 2014 5:46 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 11646

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Jstrange1970, I have looked at the Acura MDX, but more so just through research and experiences riding in the 3rd row of a friend's. I was not impressed trying to fit in the 3rd row, even for a short ride. And, while I like what I read about the reliability, I am not impressed with the cargo space. ...
by bbrock
Tue Aug 05, 2014 6:22 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 11646

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

NHRATA01, I got my info from the car brochure I got from the dealer. I will have to research it more if all the Chevy all-wheel-drive Traverses have independent rear suspension. Interesting regarding the Dodge, I had my insurance agent run some quotes. I would've assumed that because the Dodge had w...
by bbrock
Mon Jul 28, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 11646

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Hi letsgobobby. What did you ultimately decide on? I saw your other post in which you were running a thread similar to mine. Not sure if you already pulled the trigger. Even though the Durango has just a little more space than the high lander, I am curious to test drive it though as it sounds like a...
by bbrock
Mon Jul 21, 2014 7:23 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 11646

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

So we went test driving a couple days ago. We started later in the day so we didn't have a lot of time. We were only able to get through two of the vehicles that I wanted to drive which were the GMC Acadia and the Toyota Highlander. The Acadia was the SLT2, and the highlander was the XLE as the Limi...
by bbrock
Mon Jul 21, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 11646

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Wallygator, did you consider any of the lambda platforms (Acadia, Traverse, Enclave)? I'm curious what was the deciding factor for you in choosing the Highlander. Do you have a family like we do; any kids? I ask that because I'm curious on your satisfaction with the cargo capacity. Additionally, doe...
by bbrock
Sat Jul 19, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 11646

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

I really don't know how to take that info re: the amt of cars/SUVs with the most American parts. So the Lamdas (Acadia, Traverse, Enclave), for example, r listed with having 72% American made parts, and the Durango as having 68% (not much difference). The Highlander is not listed. Again, not sure wh...
by bbrock
Wed Jul 16, 2014 8:18 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 11646

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Great info from these posts. Tx. Looked at the Ford Flex, but besides not really digging the styling, the towing is rated up to 4500, with or without the eco boost engine. That tow capacity is probably good enough, but I can't get past the shape. If I can't, I know the wife can't. Looked at and have...
by bbrock
Wed Jul 16, 2014 3:48 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 11646

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Homer J, I definitely have already considered what you said. As we both commute, my wife more so, I have thought perhaps we should buy something small/fuel efficient and then an older used vehicle for hauling/cargo capacity/trips. But, I just don't know if I can wrap my hands around having three car...
by bbrock
Mon Jul 14, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 11646

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Livesoft, I have considered the outgassing already. Thanks for bringing this up. I'm glad that someone commented on that. I have a strong aversion to all things smoking, as I've already lost my mother when I was 20 d/t cigarettes. As such I would rather endure any health consequences and expose my f...
by bbrock
Mon Jul 14, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 11646

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Letsgobobby, tx for the very informative post. While I gave not test drove them yet, ur post really gave me a 1st hand experience. I was thinking the same thing u posted about the Tahoe. It definitely ranked the lowest as far being a true possibility. The Sequioa would be great, but there is no way ...
by bbrock
Mon Jul 14, 2014 2:56 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 11646

New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?

Hi Bogleheads, It has been some time since I have posted or been back at the site. Figured this would be good to bounce off of fellow Bogleheads. I am looking for a replacement vehicle for our 2004 Honda CRV. The CRV has been great, but at 179K miles, it is showing its age and we need some more grow...
by bbrock
Mon Jul 14, 2014 1:01 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 11646

Re: Turbo Tax or tax pro because I'm lost

In case it was not clear, obviously the annulment would be for temporary purposes during the time the student loans/IBR/Public Service Loan Forgiveness is in effect. This an extreme measure and I really would have to read up more on this if people have actually gone to this length to pay back their ...
by bbrock
Sat Mar 01, 2014 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax or tax pro because I'm lost
Replies: 13
Views: 1292

Re: Turbo Tax or tax pro because I'm lost

Thanks for the input sscritic. I researched filing MFS vs. MFJ. I have learned, which I was unaware of, that MFS prevents each from contributing to a ROTH if his/her MAGI is >$10k. Just based on this point alone, it is almost not worth it. I looked at an IBR payment calculator at http://www.finaid.o...
by bbrock
Sat Mar 01, 2014 5:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax or tax pro because I'm lost
Replies: 13
Views: 1292

Re: Turbo Tax or tax pro because I'm lost

Tx for the feedback you all. I have done some more reading about my situation and similar ones, and was reading posts at TT for situations similar to ours. The consensus is to file MFJ vs. MFS unless there is a large discrepancy of income between husband/wife or if there are significant medical expe...
by bbrock
Mon Feb 24, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax or tax pro because I'm lost
Replies: 13
Views: 1292

Turbo Tax or tax pro because I'm lost

Hi Bogleheads, It's that time of year again for taxes, but this year I have some changes and am trying to weigh my time vs. hiring a CPA/enrolled agent (EA). 2013 found my wife and me having our twins and buying our house. Additionally, we still have my wife's student loans to pay. We put those in d...
by bbrock
Sat Feb 22, 2014 4:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax or tax pro because I'm lost
Replies: 13
Views: 1292

Would you put down all cash on a home purchase? Part 2

Hi Bogleheads, From the 1st thread on this topic (http://www.bogleheads.org/forum/viewtopic.php?f=2&t=121690) it appears most opted to go all cash. Through having read the posts, I researched and educated myself on the delayed financing mortgage as an option if I wanted to go all cash and then g...
by bbrock
Mon Nov 18, 2013 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you put down all cash on a home purchase? Part 2
Replies: 0
Views: 758

Re: JTWROS versus CPWROS [Joint v. Com. Rights of Survivorsh

Texas hold em71, hit the nail on the head. Tx for summing it up for me, exactly.

FrugalInvestor, that is great. Tx for sharing that info on tracking threads. Let me try it out.

Edit: s/p test. Bookmarked topic, went to User Control Panel and then to Manage Bookmarks. Voila. Tx again.
by bbrock
Thu Oct 31, 2013 12:33 am
 
Forum: Personal Finance (Not Investing)
Topic: JTWROS versus CPWROS [Joint v. Com. Rights of Survivorship]
Replies: 18
Views: 3437

Re: JTWROS versus CPWROS

reference post
by bbrock
Wed Oct 30, 2013 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: JTWROS versus CPWROS [Joint v. Com. Rights of Survivorship]
Replies: 18
Views: 3437

Re: [CA Academic Perf Index]: When is good enough, good enou

Thanks ryuns for the input. Yes, those are key ingredients which help the mix. Good point Blue about having like-minded neighbors. Nisiprius, I appreciate your feedback. You have posted on some of my topics, and I have always enjoyed reading your two cents. "And it is not a question of a good s...
by bbrock
Tue Sep 10, 2013 4:50 am
 
Forum: Personal Consumer Issues
Topic: [CA Academic Perf Index]: When is good enough, good enough?
Replies: 25
Views: 1878

Re: [CA Academic Perf Index]: When is good enough, good enou

Stan1, Watty, and all, tx for all the input. Stan1, it is sad to think that parents would knock the CSU or the UC system as one can get a great education. Watty, tx for the input. While others had mentioned to make some visits to the schools (at least the high schools), I really didn't give it too m...
by bbrock
Sun Sep 08, 2013 3:33 am
 
Forum: Personal Consumer Issues
Topic: [CA Academic Perf Index]: When is good enough, good enough?
Replies: 25
Views: 1878

Re: [CA Academic Perf Index]: When is good enough, good enou

Good input BestWishes re: tailoring the schools for your kids' needs. Thanks LadyGeek for writting out the title. Sorry, I assumed most knew what API meant. In my case, call it crazy, but our kids are only 5 mo. Wife and I just want to purchase into the best district we feel comfortable with, and do...
by bbrock
Sat Sep 07, 2013 7:58 pm
 
Forum: Personal Consumer Issues
Topic: [CA Academic Perf Index]: When is good enough, good enough?
Replies: 25
Views: 1878

[CA Academic Perf Index]: When is good enough, good enough?

Hi, My wife and I are still in the midst of home shopping. It is a tough market in California. The priority for us is to purchase a home in a good school district. But, how does one define "good?" I have learned and researched a lot about the various schools in the areas we are looking, an...
by bbrock
Sat Sep 07, 2013 2:04 pm
 
Forum: Personal Consumer Issues
Topic: [CA Academic Perf Index]: When is good enough, good enough?
Replies: 25
Views: 1878

Re: 529s: Part of AA or Separate Bucket

Freebeer, you stated "then whether we draw first/only from 529s is a separate question," which sounds similar to what you have stated Livesoft & Letsgobobby. When the time comes for withdrawals for college, why would you not withdraw from the 529 1st? Is it due to drawing down 1st from...
by bbrock
Sat Sep 07, 2013 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529s: Part of AA or Separate Bucket
Replies: 18
Views: 1129

Re: 529s: Part of AA or Separate Bucket

So far, I have not had to pay cap gains taxes on the withdrawals from taxable, but considering that return of capital is tax-free, the cap gains taxes would be very low anyways. Example: Withdraw $20,000 for college of which $15,000 is return of capital and $5,000 is LT caps gains taxed at 15%. Tha...
by bbrock
Mon Sep 02, 2013 11:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529s: Part of AA or Separate Bucket
Replies: 18
Views: 1129

Re: 529s: Part of AA or Separate Bucket

Letsgobobby, you say that u currently view as one portfolio and that if needed college $ will come from even taxable savings. If u did pull from taxable, would u do so if it was going to cost u cap gains? What was ur game plan for taxable savings withdrawals?
by bbrock
Mon Sep 02, 2013 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529s: Part of AA or Separate Bucket
Replies: 18
Views: 1129

Re: 529s: Part of AA or Separate Bucket

Tx for the input.

With regards to this "not mattering," if that was the case I would not have even bothered to post.
by bbrock
Mon Sep 02, 2013 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: 529s: Part of AA or Separate Bucket
Replies: 18
Views: 1129

Re: 529s: Part of AA or Separate Bucket

LH, if not used for kids' college, then it would not be consumed, neither for retirement or any other expenses. Rather, it would exist for wealth transfer to, let's say, your kid and then he/she could designate a child for its use later.
by bbrock
Mon Sep 02, 2013 1:39 am
 
Forum: Investing - Help with Personal Investments
Topic: 529s: Part of AA or Separate Bucket
Replies: 18
Views: 1129

529s: Part of AA or Separate Bucket

The twins are 4 mo. old and I am trying to get their 529s going. My wife and I will start out by funding $75k to each kid in the Vanguard Nevada 529. In years past, I read up on incorporating the 529 into your total portfolio vs. having it as a separate bucket. There seems to be benefits either way....
by bbrock
Mon Sep 02, 2013 12:20 am
 
Forum: Investing - Help with Personal Investments
Topic: 529s: Part of AA or Separate Bucket
Replies: 18
Views: 1129
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