Search found 255 matches

by bbrock
Thu Jun 18, 2015 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Continue to pay down student loans, or pay down mortgage vs. invest
Replies: 11
Views: 1228

Re: Continue to pay down student loans, or pay down mortgage vs. invest

Resurrecting this, I computed since approx. '04, we have paid a total of approx. $58,268 in interest on student loans. Again, mine are wiped out and have been for some time, but my wife has been plagued w/ student loan debt for a long time. All I can say is that I hate seeing that we have paid so mu...
by bbrock
Sat May 30, 2015 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Citi double cash card vs. Amex Blue Everyday
Replies: 34
Views: 5065

Re: Citi double cash card vs. Amex Blue Everyday

Same info I got too Munir yesterday. Also if u read the Tems & Agreements, and I verified with the phone rep, that clubs & superstores like Costco, Sams, Target, & even Amazon don't qualify for groceries or gas percentages, but they still qualify for the 1% everything else category. All ...
by bbrock
Sat May 30, 2015 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Citi double cash card vs. Amex Blue Everyday
Replies: 34
Views: 5065

Re: Citi double cash card vs. Amex Blue Everyday

When I spoke with them yesterday, it's $6000 in the groceries category. Both the preferred and every day have this cap on groceries.
http://www.nerdwallet.com/card-details/ ... -Preferred
by bbrock
Fri May 29, 2015 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Citi double cash card vs. Amex Blue Everyday
Replies: 34
Views: 5065

Re: Citi double cash card vs. Amex Blue Everyday

Alright, just called and excepted the RSVP and qualified for the AMEX blue cash every day. Our plan is to eventually sign up for the Costco visa and the city double cash MC. I assume (and I think I read somewhere) that the Costco Visa will have the same restrictions like the Costco True Earnings Ame...
by bbrock
Fri May 29, 2015 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Citi double cash card vs. Amex Blue Everyday
Replies: 34
Views: 5065

Re: Citi double cash card vs. Amex Blue Everyday

Ronin, I can't recall where I read it, but I believe the Costco Citi Visa is going to have the exact same perks that the AMEX Costco True earnings does right now. Same percentage cash rewards in the same categories. Munir, not that I doubt you, but I don't recall reading in the Terms/Agreements that...
by bbrock
Thu May 28, 2015 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Citi double cash card vs. Amex Blue Everyday
Replies: 34
Views: 5065

Re: Citi double cash card vs. Amex Blue Everyday

Just read the Citi Double cash terms & agreements. Nothing stated about any restriction from earning cash at superstores like Costco. But, unfortunately how it sounds in this thread the card is a MC and not a Visa. So, that stinks as far as being able to use it at Costco. Regardless, sounds like...
by bbrock
Thu May 28, 2015 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Citi double cash card vs. Amex Blue Everyday
Replies: 34
Views: 5065

Re: Citi double cash card vs. Amex Blue Everyday

Actually, just read some of the Terms & Agreement for the Amex Blue cards. Not as great of a deal for us b/c superstores/clubs such as Costco would not be considered grocery. Not to mention, gas is also excluded at Costco. In order to qualify a the business' primary objective has to be gasoline ...
by bbrock
Thu May 28, 2015 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Citi double cash card vs. Amex Blue Everyday
Replies: 34
Views: 5065

Re: Citi double cash card vs. Amex Blue Everyday

midareff, that sounds a little too complex what you got going. I am all about simplicity. The fewer the cards, the better, but I have made exceptions. I try just to have only 1 each of Amex, Visa, and MC, which is the case currently. However, I have thought about retiring some of the ones such as my...
by bbrock
Thu May 28, 2015 1:45 am
Forum: Personal Finance (Not Investing)
Topic: Citi double cash card vs. Amex Blue Everyday
Replies: 34
Views: 5065

Citi double cash card vs. Amex Blue Everyday

Wife and I are looking to replace the Costco Amex. Noticed this Citi Double Cash Card at Nerdwallet.com. I think Costco is only going to be taking Visas when the Amex contract ends. Does anyone know is the Citi Double Cash Card a Visa or M/C? Also, want to get people's opinions on the Citi Doubl Cas...
by bbrock
Thu May 28, 2015 1:21 am
Forum: Personal Finance (Not Investing)
Topic: Costco and AMEX
Replies: 28
Views: 7212

Re: Costco and AMEX

That is a great point detroitbabu. Wife and I are in the same boat. We have made some big purchases on the card specifically for the extended warranty. I think we'll call them and ask about this. Our plan is to take the Amex Blue Everyday that they will offer wife (as it is in her name), but also op...
by bbrock
Mon May 18, 2015 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Recommendation for a labor lawyer - East Bay/Tri-Valley/Silicon Valley
Replies: 1
Views: 367

Recommendation for a labor lawyer - East Bay/Tri-Valley/Silicon Valley

Hi Bogleheads,
I am in need of a lawyer specializing in labor/employment law in the Tri-Valley/East Bay, CA. I am reaching out to friends for recommendations, but have also searched unsuccessfully on Angie's List. If you know anyone, please let me know here or PM me. Tx.
by bbrock
Fri May 15, 2015 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Continue to pay down student loans, or pay down mortgage vs. invest
Replies: 11
Views: 1228

Re: Continue to pay down student loans, or pay down mortgage vs. invest

Tx David. Actually, I now see the benefit of paying off the student loans first. It is a smaller debt and once we finish it off it would free up approx $750 to use towards the mortgage. I can understand your point about the 15 year mortgage. After we pay off the student loans, and if we wanted to us...
by bbrock
Fri May 15, 2015 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Continue to pay down student loans, or pay down mortgage vs. invest
Replies: 11
Views: 1228

Re: Continue to pay down student loans, or pay down mortgage vs. invest

Tx David & LeeMike for the replies. I too have thought about Paying off the 3%+ student loan, focusing then on mortgage, then going to the 1%+ stu loan. I don't really see the benefit of switching to a 15 year mortgage when I can always pay extra on the 30 year mortgage. Sure it would save me so...
by bbrock
Thu May 14, 2015 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Continue to pay down student loans, or pay down mortgage vs. invest
Replies: 11
Views: 1228

Re: Continue to pay down student loans, or pay down mortgage vs. invest

Tx all for the replies. We are in the 25% CA, 9.3% CA. I have been using dividends to go specifically towards the student loan debt. If we were to payoff both student loans first and then start on the mortgage, I don't see how we wouldn't realize the benefit of paying it off early even if it is a 30...
by bbrock
Thu May 14, 2015 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Asset location for bonds – Clearing the conflicting opinions
Replies: 13
Views: 1170

Re: Asset location for bonds – Clearing the conflicting opinions

Perhaps I should have rewritten that then to "Clearing the deciphering schools of thought." Our current interest rate environment has caused things to be looked at differently as evidenced by the fact that even the Wiki page on this very topics (Asset location) was rewritten. Tx for your f...
by bbrock
Thu May 14, 2015 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Continue to pay down student loans, or pay down mortgage vs. invest
Replies: 11
Views: 1228

Continue to pay down student loans, or pay down mortgage vs. invest

Hey Bogleheads, Wife and I continue to chip away at her pile of student loan debt. Recently, we paid $25k to finish off the 6.05% loans, with the balance going to the 3.625% loans. Here is what things look like now debt-wise: Her student loans: $57,247 @ 1.61% fixed ($382.64 monthly payment) $42,546...
by bbrock
Thu May 14, 2015 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Asset location for bonds – Clearing the conflicting opinions
Replies: 13
Views: 1170

Re: Asset location for bonds – Clearing the conflicting opinions

Tx Dandy. Yes, I understand/understood the reasoning for the original recommendations with regards to asset location. It was just that upon reviewing the Wiki page that I linked, the recommendations have been revised given our current low interest rate environment. Additionally, the other links I pr...
by bbrock
Thu May 14, 2015 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Asset location for bonds – Clearing the conflicting opinions
Replies: 13
Views: 1170

Re: Asset location for bonds – Clearing the conflicting opinions

Once again and sounding like a broken record (is that an anachronism by now?), I do not like to lose money in a Roth IRA. Thus, I would not be 100% invested in equities in a Roth IRA if I thought that stocks were not undervalued. I would have a mix of equity funds and bond funds in my Roth instead....
by bbrock
Thu May 14, 2015 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Asset location for bonds – Clearing the conflicting opinions
Replies: 13
Views: 1170

Re: Asset location for bonds – Clearing the conflicting opinions

Tx for the replies. Grabiner, my questions/responses are below: 1. Should ROTHs and 401ks be used for stocks or bonds? With current rates, it is close. Given your high CA tax rate, holding CA munis in taxable and stocks in tax-deferred might be better than holding stocks in taxable and bonds in tax-...
by bbrock
Wed May 13, 2015 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Asset location for bonds – Clearing the conflicting opinions
Replies: 13
Views: 1170

Asset location for bonds – Clearing the conflicting opinions

Hi Bogleheads, Recently, I have been thinking of slightly overhauling my portfolio in regards to changing asset location for some of our bond holdings. Following previous advice at the Boglehead’s Wiki and the recommended investing books, I have our traditional 401ks and ROTH IRAs invested 100% in b...
by bbrock
Fri May 01, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: family cabin planning through generations
Replies: 16
Views: 2396

Re: family cabin planning through generations

a2_alice, yes, that is a great recounting of how it gets dicey with multiple parties with different interests owning an inherited property. Wow, build the duplex, but then have to sell b/c of the situation. Yeah, sounds like that caused some strife in the relations.
by bbrock
Thu Apr 30, 2015 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Term life questions
Replies: 27
Views: 3000

Re: Term life questions

Tx for your comment Matahari. I played the odds and chose the 20 year. I am banking on portfolio growth over the 20 years and saving/investing. Other factors that swayed my decision are that I will also soon be getting a private disability insurance (DI) policy, and those premiums could be crazy. As...
by bbrock
Thu Apr 30, 2015 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: family cabin planning through generations
Replies: 16
Views: 2396

Re: family cabin planning through generations

We have family property on the shore of a New England state. The cabin was built in 1922 by my grandfather. We had 38 acres of surrounding land and ~1300 feet of water frontage. Our parents gave the property to their 3 sons (my two brothers and me) in 1976. The three of us spent 20 years trying to ...
by bbrock
Mon Apr 27, 2015 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: family cabin planning through generations
Replies: 16
Views: 2396

Re: family cabin planning through generations

Ensure your relations are good with your family member/brother if it is going to be titled in both of your names. I own a cabin with my brother that we inherited from our parents. We are both married, but I am married w/ kids. Our relations have gone south over the years, and both my wife and I attr...
by bbrock
Mon Apr 27, 2015 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Term life questions
Replies: 27
Views: 3000

Re: Term life questions

Let's try this again. Computer froze, & lost my work. After a 5 mo., I am ready to move fwd on finalizing a term life policy I was approved for as found through Term4Sale.com. I was approved for $750k 20yr term, super preferred rate class, premium $530, 40 yr old male. I will probably change the...
by bbrock
Thu Apr 02, 2015 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Would you bother amending?
Replies: 1
Views: 567

Re: Would you bother amending?

FYI, I went ahead and amended anyway. But, only amended the 2014, which I had actually just filed. I only amended b/c I accidentally did not classify my ROTH recharacterization as a recharacterization, but rather a TIRA contribution. Didn't change anything, and not sure this was even necessary to do...
by bbrock
Fri Mar 27, 2015 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Completed taxes, need to file new Fed & State W4
Replies: 10
Views: 785

Re: Completed taxes, need to file new Fed & State W4

Tx you all. Got what I will do. As mentioned, I will adjust to married 2 for both Fed/CA, get a paycheck, and simply calculate forward for the year how much taxes will be paid and have been paid for both Fed/CA. With those numbers, I will simply look to my 2014 taxes. If it is near our tax liability...
by bbrock
Fri Mar 27, 2015 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Would you bother amending?
Replies: 1
Views: 567

Would you bother amending?

Hi Bogleheads, I used the downloaded TT Premier version this year for our taxes. It was flagged that I may have to amend our '13 return b/c of the 1099-R forms that we received this year. Let me see if I can explain this well without causing too much confusion. We normally do backdoor ROTH contribut...
by bbrock
Fri Mar 27, 2015 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Completed taxes, need to file new Fed & State W4
Replies: 10
Views: 785

Re: Completed taxes, need to file new Fed & State W4

Tx u all. True that I am already trusting TT, and in essence I should be trusting them about this. If I did change to married 2, should I do the same for my CA DE4? The State calculator was horrible when I used it years back. There is always the paper version if I wanted to go that route. I'm just t...
by bbrock
Thu Mar 26, 2015 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Completed taxes, need to file new Fed & State W4
Replies: 10
Views: 785

Completed taxes, need to file new Fed & State W4

Looks like we are getting a huge refund this year. Sucks I gave this big of loan to the government. I even used TT Taxcaster or W4 calculator (whatever the thing is), but I guess something went haywire. My wife and I are both employed and we have 2 kids. She has been filing single 4 for both Fed and...
by bbrock
Thu Mar 26, 2015 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Cheap Disability insurance
Replies: 17
Views: 1872

Re: Cheap Disability insurance

I'm in the same boat and shopping for private DI. Have been at this for what seems months. All I can say is expensive. I'm a RN and am grouped in the 2M class. Guess this is a dang expensive class. I am trying to find 3 people at my workplace to buy policies with me, b/c the agent said we can get a ...
by bbrock
Wed Mar 25, 2015 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Free eFile CA 540 if I used TurboTax
Replies: 1
Views: 303

Re: Free eFile CA 540 if I used TurboTax

I'm assuming by the lack of responses as of yet, there is no such way to free efile. I should have mentioned in my 1st post that I am aware of the Cal file system, when I Googled this, but it doesn't appear there are other ways. It just may have to be snail mail.
by bbrock
Tue Mar 24, 2015 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Free eFile CA 540 if I used TurboTax
Replies: 1
Views: 303

Free eFile CA 540 if I used TurboTax

Hi Bogleheads,
So I can save the ink, paper, and time, is there any free site to eFile my CA 540? I used TurboTax Premier, but don't care to spend the $25 to eFile for CA. Tx in advance for any help.
by bbrock
Sat Feb 28, 2015 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Deluxe or Premier... What is going on?
Replies: 7
Views: 850

Re: Turbo Tax Deluxe or Premier... What is going on?

Just downloaded Premier. Free this year, but subsequent years I will be prepared to pay. Long gone are the days of using Deluxe. All good things come to an end.
by bbrock
Sat Feb 28, 2015 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Deluxe or Premier... What is going on?
Replies: 7
Views: 850

Re: Turbo Tax Deluxe or Premier... What is going on?

Tx amigo. Yeah, after some posts on home purchasing and mortgages, etc., we got into our home and then just busy with our twins that I have not been back to Bogleheads for some time. Our boys have definitely turned our life upside down. Heard something on NPR Fresh Air a couple of weeks ago by the a...
by bbrock
Sat Feb 28, 2015 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Deluxe or Premier... What is going on?
Replies: 7
Views: 850

Turbo Tax Deluxe or Premier... What is going on?

Hey All, I have been using TT for years. Good enough product & since I am familiar with it I have no interest in learning how to use TaxAct, no matter how easy it is. Don't care to learn new tricks, rather just get the chore of taxes done. Anyhow, right now I am Vanguard and for Flagship, I can ...
by bbrock
Thu Dec 11, 2014 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Term life questions
Replies: 27
Views: 3000

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
Wed Dec 10, 2014 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Term life questions
Replies: 27
Views: 3000

Re: Term life questions

Sorry, any input?
by bbrock
Wed Dec 10, 2014 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Term life questions
Replies: 27
Views: 3000

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
Tue Dec 02, 2014 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Term life questions
Replies: 27
Views: 3000

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
Mon Dec 01, 2014 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Term life questions
Replies: 27
Views: 3000

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 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Term life questions
Replies: 27
Views: 3000

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
Sun Nov 30, 2014 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Term life questions
Replies: 27
Views: 3000

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 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Planner
Replies: 15
Views: 1504

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 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Term life questions
Replies: 27
Views: 3000

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
Wed Oct 01, 2014 12:53 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 14204

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
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: 936

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
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: 936

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
Wed Aug 27, 2014 3:00 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 14204

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 3:14 am
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 112
Views: 14204

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...

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