Search found 286 matches

by bbrock
Wed Feb 03, 2016 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 320
Views: 30948

Re: Vanguard TurboTax - Not Available 2015?

Mitchell, have you read anything in this thread?
by bbrock
Tue Feb 02, 2016 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 320
Views: 30948

Re: Vanguard TurboTax - Not Available 2015?

Nice icefr. Even better :beer
by bbrock
Sat Jan 30, 2016 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 320
Views: 30948

Re: Vanguard TurboTax - Not Available 2015?

You have got to be kidding! Just got things organized, then went to Vanguard to download my free TT 2015 edition, but could not find the link anywhere at Vanguad. So, I knew something had changed. Went here and that is when I discovered it is no longer free. Guess all good things have to come to an ...
by bbrock
Wed Jan 20, 2016 3:44 pm
Forum: Investing - Theory, News & General
Topic: Why buy now, why not wait until the market really crashes??
Replies: 79
Views: 9321

Re: Why buy now, why not wait until the market really crashes??

You can never predict market bottoms. I was going to buy into my first ETF, that being VHT. My purchase limit order would have been something in the ~$119.00 range. But, after a delay and getting situated to call in to place the transaction, the price is now $122.51. Well, such is life. Will keep fo...
by bbrock
Fri Jan 15, 2016 7:41 pm
Forum: Personal Consumer Issues
Topic: Best place to live in CA for a young family
Replies: 82
Views: 6043

Re: Best place to live in CA for a young family

We are digging to the Tri-Valley area of the East Bay in Northern California. Specifically, Livermore. Great downtown, safe, easy accessibility to the BART to take it into San Francisco, close enough to the Sierras. We love it so far. But, CA and specifically the Bay Area is too expensive though.
by bbrock
Fri Jan 15, 2016 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Continue to pay down student loans, or pay down mortgage vs. invest
Replies: 12
Views: 1620

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

All right, my wife's student loans are finished as of the close of last year. No mas! I'm glad to say that that debt has been paid off. Simultaneously, we've started paying an extra $800 towards our mortgage. If we can continue it looks like it will result in us paying off this 30 year mortgage in a...
by bbrock
Wed Nov 25, 2015 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Exercise in futility: measuring personal portfolio performance/returns
Replies: 22
Views: 2738

Re: Exercise in futility: measuring personal portfolio performance/returns

Whose Dalbar? Any particular reason in choosing Aug. 25 Livesoft? I agree that frequent trading/turnover does cost an investor in the long term. If I have to justify that my intentions here are just to calculate a number, then I must say that again: I'm just doing this exercise for the simple sake o...
by bbrock
Wed Nov 25, 2015 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Exercise in futility: measuring personal portfolio performance/returns
Replies: 22
Views: 2738

Re: Exercise in futility: measuring personal portfolio performance/returns

Tx for the reply Taylor. In both my taxable and tax-advantaged accounts, I'm practically all indexed, except for my holding in VCADX (CA intermediate term tax-exempt), which is 7.8% of my portfolio. But I'm not sweating this fund/holding.
by bbrock
Wed Nov 25, 2015 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Exercise in futility: measuring personal portfolio performance/returns
Replies: 22
Views: 2738

Re: Exercise in futility: measuring personal portfolio performance/returns

Is that just some hypothetical number Leonard? As I had mentioned earlier in this thread, I wouldn't be doing anything. The number is the number. Doesn't change things in my investment trajectory. Using the method I had discussed above, I calculated my 3 yr annual portfolio return based on the 3 yr ...
by bbrock
Tue Nov 24, 2015 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Exercise in futility: measuring personal portfolio performance/returns
Replies: 22
Views: 2738

Re: Exercise in futility: measuring personal portfolio performance/returns

Alright, I got my dividends/cap gains set to redeem automatically to our checking. Tx again for that tip Kevin.
by bbrock
Tue Nov 24, 2015 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Exercise in futility: measuring personal portfolio performance/returns
Replies: 22
Views: 2738

Re: Exercise in futility: measuring personal portfolio performance/returns

After transferring out my dividends to our checking account (again, as I use them against student loans mostly), our typical balance in Vanguard CA Tax-Exempt MM is a whopping $0.01.
by bbrock
Mon Nov 23, 2015 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Exercise in futility: measuring personal portfolio performance/returns
Replies: 22
Views: 2738

Re: Exercise in futility: measuring personal portfolio performance/returns

Rt on Kevin and Livesoft. I wouldn't do anything with the information I was trying to calculate. Just merely that this simple calculation was a good enough performance indicator if that's what I wanted to figure out some time. And yes, year-to-date is meaningless. I just used that as an example. But...
by bbrock
Mon Nov 23, 2015 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Exercise in futility: measuring personal portfolio performance/returns
Replies: 22
Views: 2738

Re: Exercise in futility: measuring personal portfolio performance/returns

Thanks for all the replies/input. I downloaded the free MS Money Plus suite they have available. Not enough patience and way too complicated just to determine my performance, which as was pointed out is basically the indexes I'm following Next, I figured why don't I just calculate my performance as ...
by bbrock
Sat Nov 21, 2015 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Exercise in futility: measuring personal portfolio performance/returns
Replies: 22
Views: 2738

Exercise in futility: measuring personal portfolio performance/returns

Hi Bogleheads, Before I consider moving fwd with pursing an ETF purchase I discussed in my last post/thread, I began to think perhaps I should finally get around to measuring my portfolio performance. I searched through threads here, read some Wiki's about using spreadsheets, etc. From Livesoft, I l...
by bbrock
Tue Nov 17, 2015 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Worth considering these ETFs: Vanguard Health Care (VHT) or Info Tech Idx Fund (VGT)?
Replies: 14
Views: 923

Re: Worth considering these ETFs: Vanguard Health Care (VHT) or Info Tech Idx Fund (VGT)?

Also, sometimes you just end up wearing kid pants, especially in that great game on Sunday between the Seahawks and the Cardinals. This was seen in this classic moment by Drew Stanton https://m.youtube.com/watch?v=rtPcODBSL_8

Sorry for the tangent.
by bbrock
Tue Nov 17, 2015 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Worth considering these ETFs: Vanguard Health Care (VHT) or Info Tech Idx Fund (VGT)?
Replies: 14
Views: 923

Re: Worth considering these ETFs: Vanguard Health Care (VHT) or Info Tech Idx Fund (VGT)?

Perhaps it is fueled by needing to convince myself. But, besides wanting to throw a little pizzazz/fun into things, the other primary fueling factor was disclosed in the post I had made a few months back in regards to that terrible attempted TLH disaster I had executed. Call me crazy but I'm hoping ...
by bbrock
Tue Nov 17, 2015 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Worth considering these ETFs: Vanguard Health Care (VHT) or Info Tech Idx Fund (VGT)?
Replies: 14
Views: 923

Re: Worth considering these ETFs: Vanguard Health Care (VHT) or Info Tech Idx Fund (VGT)?

Tx for the replies. Some reading at the Wiki pages states that a marketable limit order is the least risky way to buy into ETF shares. While there are some added complexities to handling ETFs regarding purchasing/selling, perhaps this way to buy could help to manage things. Also, even though VTSAX a...
by bbrock
Tue Nov 17, 2015 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Worth considering these ETFs: Vanguard Health Care (VHT) or Info Tech Idx Fund (VGT)?
Replies: 14
Views: 923

Re: Worth considering these ETFs: Vanguard Health Care (VHT) or Info Tech Idx Fund (VGT)?

Good afternoon Livesoft. Tx. Since I typically follow a buy & hold approach, any problem with simply buying into the aforementioned funds at any time and not giving the bid/ask spread or timing to much thought? If there was one thing thing I remember from Rick's book, I recall him mentioning tha...
by bbrock
Tue Nov 17, 2015 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Worth considering these ETFs: Vanguard Health Care (VHT) or Info Tech Idx Fund (VGT)?
Replies: 14
Views: 923

Worth considering these ETFs: Vanguard Health Care (VHT) or Info Tech Idx Fund (VGT)?

While I know and have read previously that sector funds are only to be a small part of one's portfolio, I still can't help but be interested in Vanguard Health Care ETF (VHT) and Vanguard Information Technology Index Fund ETF Shares (VGT). In some aspects, even those who follow tactical asset alloca...
by bbrock
Sat Oct 24, 2015 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Mountain cabin's exterior colors not approved by local home committee
Replies: 41
Views: 4293

Re: Mountain cabin's exterior colors not approved by local home committee

Can this Committee enforce something that's not in the original CC&Rs (in this case painting and color choices)?

Do they have the right to amend or put add-ons to the CC&Rs?
by bbrock
Sat Oct 24, 2015 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Mountain cabin's exterior colors not approved by local home committee
Replies: 41
Views: 4293

Re: Mountain cabin's exterior colors not approved by local home committee

Tx for all the replies. To clarify, our choice in color was never based on the fact that there are neighbors with yellow, gray, and blueberry. We chose this color b/c an olive greenish color seemed appealing and appropriate for our mountain cabin, or home (not going to get caught up on if it is one ...
by bbrock
Thu Oct 22, 2015 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Mountain cabin's exterior colors not approved by local home committee
Replies: 41
Views: 4293

Re: Mountain cabin's exterior colors not approved by local hm committee

And, FWIW, the main body is finished. The only thing left is the front door. By the time I received the letter, the main body was practically finished.
by bbrock
Thu Oct 22, 2015 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Mountain cabin's exterior colors not approved by local home committee
Replies: 41
Views: 4293

Re: Mountain cabin's exterior colors not approved by local hm committee

Someday it may be in the cards to sell, but not for right now; especially w/ my young 2 yr old twins, we want to hold on to it. Even though we don't use it as much as we would like, it is nice when we are there. We have even pictured how it would be to be there more when we are retired, but that is ...
by bbrock
Thu Oct 22, 2015 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Mountain cabin's exterior colors not approved by local home committee
Replies: 41
Views: 4293

Re: Mountain cabin's exterior colors not approved by local hm committee

Tx for the replies. The following paragraphs are taken from the Committee's Guide for homeowner's. I would have to get a copy of the CC&Rs, wherever that could be found. This is a cabin that was inherited. There are no outright HOA fees, but if you live w/in a certain area, then you pay an annua...
by bbrock
Thu Oct 22, 2015 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Mountain cabin's exterior colors not approved by local home committee
Replies: 41
Views: 4293

Mountain cabin's exterior colors not approved by local home committee

Hi Bogleheaders! We just received notice that our mountain cabin's exterior home color (main body and front door) were not approved by the local home committee responsible for enforcing the CC&Rs. It is damn ridiculous! It is all apparently b/c one neighbor complained about it which drew out the...
by bbrock
Tue Sep 01, 2015 3:06 pm
Forum: Investing - Theory, News & General
Topic: Double check your TLH calculation...This error cost me
Replies: 16
Views: 2029

Re: Double check your TLH calculation...This error cost me

Rt on Livesoft for that wash sale double check. In my case, from now on it will have to be a wash sale triple check. Could I trademark that... you think infringement? :wink: House Blend, perhaps I said something that misled you, sorry. I did no selling from my lots in VTIAX. Nor, did I do any sellin...
by bbrock
Fri Aug 28, 2015 12:58 pm
Forum: Investing - Theory, News & General
Topic: Double check your TLH calculation...This error cost me
Replies: 16
Views: 2029

Re: Double check your TLH calculation...This error cost me

Tx u all for the replies. Livesoft, yes, I agree if one could start the year fresh with having no losses and their portfolio cleared out of them, it makes things easy. If that is the case, that is true, there would be rare instances of needing to TLH. But, in my case, when I go back and look at my o...
by bbrock
Thu Aug 27, 2015 5:57 pm
Forum: Investing - Theory, News & General
Topic: Double check your TLH calculation...This error cost me
Replies: 16
Views: 2029

Re: Double check your TLH calculation...This error cost me

To further try to rationalize this GD mistake, at least now I only have to deal with VTSAX, my main holding, rather than VTSAX and the TLH partners I had for it (VEXAX and VFIAX).
by bbrock
Thu Aug 27, 2015 5:37 pm
Forum: Investing - Theory, News & General
Topic: Double check your TLH calculation...This error cost me
Replies: 16
Views: 2029

Re: Double check your TLH calculation...This error cost me

Hey Livesoft, Vanguard is not showing this. I don't know what you are talking about. This lot is from an original purchase back in 2011. So, it has nothing to do w/ being color blind. Yes, that would be a good feature it they maintained the accounting for those lots. Edit: Yes, I did know about Vang...
by bbrock
Thu Aug 27, 2015 5:30 pm
Forum: Investing - Theory, News & General
Topic: Double check your TLH calculation...This error cost me
Replies: 16
Views: 2029

Double check your TLH calculation...This error cost me

Hi Bogleheads, So, I'm sure we all heard how Mon. the DJI lost 1000 pts then gained some back. I was on baby duty that day, listening to NPR, heard that, and thought that it was a good day for TLHing. So, I opened my Excel spreadsheet, updated my numbers, and had calculated that I was going to be ab...
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: 12
Views: 1620

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: 23857

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: 23857

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: 23857

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: 23857

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: 23857

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: 23857

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: 23857

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: 23857

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: 34
Views: 12842

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: 461

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: 12
Views: 1620

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: 12
Views: 1620

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: 12
Views: 1620

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: 1382

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: 12
Views: 1620

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: 1382

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: 1382

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: 1382

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-...

Go to advanced search