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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 7:30 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 64
Views: 5327

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 8:23 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 64
Views: 5327

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 5:32 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 64
Views: 5327

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 4:03 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 64
Views: 5327

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 9:18 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 64
Views: 5327

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 4:48 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 64
Views: 5327

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 4:45 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 64
Views: 5327

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 4:25 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 64
Views: 5327

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 3:56 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 64
Views: 5327

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 2:01 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 64
Views: 5327

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 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax or tax pro because I'm lost
Replies: 13
Views: 1195

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 6:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax or tax pro because I'm lost
Replies: 13
Views: 1195

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 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax or tax pro because I'm lost
Replies: 13
Views: 1195

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 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax or tax pro because I'm lost
Replies: 13
Views: 1195

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 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you put down all cash on a home purchase? Part 2
Replies: 0
Views: 681

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 1:33 am
 
Forum: Personal Finance (Not Investing)
Topic: JTWROS versus CPWROS [Joint v. Com. Rights of Survivorship]
Replies: 18
Views: 3329

Re: JTWROS versus CPWROS

reference post
by bbrock
Wed Oct 30, 2013 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: JTWROS versus CPWROS [Joint v. Com. Rights of Survivorship]
Replies: 18
Views: 3329

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 5:50 am
 
Forum: Personal Consumer Issues
Topic: [CA Academic Perf Index]: When is good enough, good enough?
Replies: 25
Views: 1748

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 4:33 am
 
Forum: Personal Consumer Issues
Topic: [CA Academic Perf Index]: When is good enough, good enough?
Replies: 25
Views: 1748

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 8:58 pm
 
Forum: Personal Consumer Issues
Topic: [CA Academic Perf Index]: When is good enough, good enough?
Replies: 25
Views: 1748

[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 3:04 pm
 
Forum: Personal Consumer Issues
Topic: [CA Academic Perf Index]: When is good enough, good enough?
Replies: 25
Views: 1748

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 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529s: Part of AA or Separate Bucket
Replies: 18
Views: 1095

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
Tue Sep 03, 2013 12:04 am
 
Forum: Investing - Help with Personal Investments
Topic: 529s: Part of AA or Separate Bucket
Replies: 18
Views: 1095

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 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529s: Part of AA or Separate Bucket
Replies: 18
Views: 1095

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 12:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529s: Part of AA or Separate Bucket
Replies: 18
Views: 1095

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 2:39 am
 
Forum: Investing - Help with Personal Investments
Topic: 529s: Part of AA or Separate Bucket
Replies: 18
Views: 1095

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 1:20 am
 
Forum: Investing - Help with Personal Investments
Topic: 529s: Part of AA or Separate Bucket
Replies: 18
Views: 1095

Re: rebalancing in taxable accounts

reference post
by bbrock
Sun Sep 01, 2013 6:35 pm
 
Forum: Investing - Theory, News & General
Topic: rebalancing in taxable accounts
Replies: 18
Views: 1764

Re: In contract on home with settlement and drainage concern

Steveb3005, not sure what u r referring to, nor do I c how your comment has any relevance. This is not a forum for irresponsible or inconsiderate comments.
by bbrock
Thu Aug 29, 2013 3:09 pm
 
Forum: Personal Consumer Issues
Topic: In contract on home with settlement and drainage concerns
Replies: 17
Views: 1346

Re: In contract on home with settlement and drainage concern

Even if the settlement has stopped and we take care of the potentially expensive re-grading and concrete deck/patio rebuild, it doesn't change that the home has to be fumigated for termites. I pulled the prior report back in 2006 on this property and it showed that dry wood termites were found at th...
by bbrock
Thu Aug 29, 2013 1:43 pm
 
Forum: Personal Consumer Issues
Topic: In contract on home with settlement and drainage concerns
Replies: 17
Views: 1346

Re: In contract on home with settlement and drainage concern

While we like this property, we just are questioning what's not seen. It seems like the only true fix would be to have a proper grade and drainage system installed on this property. The lot is 6157 sq. ft. I am not sure how much it could be to re-grade a concrete deck/patio, or have it ripped up, a ...
by bbrock
Wed Aug 28, 2013 10:06 pm
 
Forum: Personal Consumer Issues
Topic: In contract on home with settlement and drainage concerns
Replies: 17
Views: 1346

In contract on home with settlement and drainage concerns

Hi, Wife and I are in contract on a home. The situation is that the original buyer walked do to "personal reasons." We don't buy it. Regardless, we are reviewing the home inspection report, I have met and walked the home with the home inspector, and have had my contractor out there, but I ...
by bbrock
Wed Aug 28, 2013 7:53 pm
 
Forum: Personal Consumer Issues
Topic: In contract on home with settlement and drainage concerns
Replies: 17
Views: 1346

Re: Would you put down all cash on a home purchase?

Thanks for the good info/responses. So, after some calculations, it appears that I have enough cap. losses to cover any gains realized to free up enough cash to complete this. I have looked at going margin, but the cost is not worth it. Additionally, I have looked at 401k loans, but again not worth ...
by bbrock
Thu Aug 22, 2013 12:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you put down all cash on a home purchase?
Replies: 35
Views: 3802

Re: Would you put down all cash on a home purchase?

[quote="Aptenodytes"] Second, if the above doesn't work explore a scenario in which you pay cash for the house and then finance it after you own it. I know it isn't an attractive option in an environment of rising rates and volatile stock prices. You would need guts to do this." I had...
by bbrock
Wed Aug 21, 2013 1:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you put down all cash on a home purchase?
Replies: 35
Views: 3802

Re: Would you put down all cash on a home purchase?

Thanks for all this great info. It has been such an eye opener. I am calculating now on my Excel spreadsheet for my portfolio if we have enough losses to use to cover a cash purchase at $650k. If there are cap. gains, I don't think this option is worth it. Watty, I never thought about getting a marg...
by bbrock
Wed Aug 21, 2013 1:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you put down all cash on a home purchase?
Replies: 35
Views: 3802

Re: Would you put down all cash on a home purchase?

Good point made that waiving the financing contingency could enable us to compete in this marketplace, but that financing could still be sought. This was not mentioned to me by the realtor in part because he was not aware of our ability/position to go all cash if necessary. I like that idea waiving ...
by bbrock
Tue Aug 20, 2013 10:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you put down all cash on a home purchase?
Replies: 35
Views: 3802

Would you put down all cash on a home purchase?

Hi Bogleheads, Recently, my wife and I placed an offer on a home in Alameda County (the Tri-Valley area to be a little more specific) but we didn't get the home. The market here is hot, and homes are being sold at 5-13% above listing price. In our instance, we lost the home to an all cash offer. Our...
by bbrock
Sun Aug 18, 2013 2:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you put down all cash on a home purchase?
Replies: 35
Views: 3802

Re: If you had the means to do so, would you avoid a jumbo l

Thanks for all the input. I have not looked into Penfed more. I did not consider them originally b/c of origination fees. But I will look again b/c maybe I'm getting confused with another lender. Thatguy, I was not aware of this differing limit for certain counties around the Bay Area. Alameda count...
by bbrock
Wed Jun 26, 2013 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you had the means to do so, would you avoid a jumbo loan?
Replies: 10
Views: 1108

If you had the means to do so, would you avoid a jumbo loan?

Hi Bogleheads, The wife and I are looking to purchase a home in the South Bay of Nor. Ca. We are offering $630k. While I originally considered putting 20% down, I increased that amount to $180k, (28.57%). I have now considered putting $213k, which would be 33.81% down, to avoid a jumbo mortgage. In ...
by bbrock
Wed Jun 26, 2013 3:06 am
 
Forum: Personal Finance (Not Investing)
Topic: If you had the means to do so, would you avoid a jumbo loan?
Replies: 10
Views: 1108

Re: Want to buy into the American Dream - can we afford it?

ValueThinker, LeeMiller, Watty thanks for the input/posts. After some home shopping, I see that if we are to buy a home that we can settle at for an extended period, rather than a starter home, we may need to increase the housing budget. Sure, we can find some things at $550k, but we have more optio...
by bbrock
Mon Jun 10, 2013 7:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Want to buy into the American Dream - can we afford it?
Replies: 21
Views: 3408

Re: Want to buy into the American Dream - can we afford it?

HornedToad, no, I did not calculate the tax savings for buying vs. renting? Please inform me how I would calcuate that. In 2012, we paid 25% Fed. and 9.3% CA tax.
by bbrock
Fri May 31, 2013 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Want to buy into the American Dream - can we afford it?
Replies: 21
Views: 3408

Re: Want to buy into the American Dream - can we afford it?

HornedToad, thanks for the response. Well, the budget I created did not include unexpected expenses per se, but did include about 1% per year of home value for maintenance expenses. Are you referring to unexpected expenses in that sense re: home or something else? We have an emergency fund of about ...
by bbrock
Fri May 31, 2013 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Want to buy into the American Dream - can we afford it?
Replies: 21
Views: 3408

Re: Want to buy into the American Dream - can we afford it?

Boglehead post: Thanks for all the replies. Wingnutty, thanks. Congrats to you are also in order! It is surely busy with our twin boys with feedings, diapering, everything. Limited sleep for us. But, with time, they should be sleeping more. Stan1, per cash flow calculations as I mentioned originally...
by bbrock
Fri May 31, 2013 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Want to buy into the American Dream - can we afford it?
Replies: 21
Views: 3408

Re: Want to buy into the American Dream - can we afford it?

Bkslainte, I was just using standard figures I have read to approximate what to expect for maintenance and insurance. The book I read said to estimate a half a percent of the homes value for insurance, and 1% for maintenance. Yes, I realize the maintenance could drastically fluctuating with emergenc...
by bbrock
Mon May 13, 2013 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Want to buy into the American Dream - can we afford it?
Replies: 21
Views: 3408

Re: Want to buy into the American Dream - can we afford it?

Clearly Irrational, Simply because we have to move, our newborn twins are now in the picture, and we want to get established in a good school district and set roots. Yes, we would be trading a cheaper rent/living situation currently, in order to have a piece of the American dream at a higher monthly...
by bbrock
Mon May 13, 2013 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Want to buy into the American Dream - can we afford it?
Replies: 21
Views: 3408

Re: Want to buy into the American Dream - can we afford it?

Thanks for the responses. RR2, I calculate net income as gross less 401(k), health/benefit deductions, and taxes. Bruin, we pay $1325. Renter's ins is another $10/mo. So, before utilities is $1335, which is much cheaper than what we would pay to buy into Livermore. Stan1, I have been budgeting on a ...
by bbrock
Mon May 13, 2013 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Want to buy into the American Dream - can we afford it?
Replies: 21
Views: 3408

Want to buy into the American Dream - can we afford it?

Hi Bogleheads, My wife and I, with the recent addition of our twins, are looking to take the plunge and purchase a home in Livermore, CA, which is in the Tri-Valley, an outskirt of the Bay Area. I have been keeping track of our cash flow (income/expenses) with an Excel spreadsheet and Mint. Besides ...
by bbrock
Sun May 12, 2013 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Want to buy into the American Dream - can we afford it?
Replies: 21
Views: 3408

Re: My soon-to-be worst investment ever

Reference post
by bbrock
Fri May 10, 2013 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: My soon-to-be worst investment ever
Replies: 56
Views: 17792
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