Search found 372 matches

by bbrock
Sun Jan 14, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 268
Views: 66344

Re: My New Car Buying Tips

Use the KBB (Kelly blue book) app. After u price a new car, the last page gives u an option to contact/email many nearby dealerships. The screen is populated with many dealerships b/c earlier in the process u enter ur zip code.
by bbrock
Sun Jan 07, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 96
Views: 9004

Re: california homeowners - do you have earthquake insurance?

@visualguy, that was exactly my plan. I went with the highest deductible, dropped every optional coverage option (i.e. loss of use, personal property). It’s merely a policy for a catastrophic loss. $655 premium and we are in the East Bay (Tri-Valley).
by bbrock
Sun Jan 07, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 96
Views: 9004

Re: california homeowners - do you have earthquake insurance?

Yes, you have to purchase earthquake insurance through your homeowners insurance carrier. That is what is stated in the CEA policy booklet I have. I called a contractor in my area as well as different insurance agents to get their opinion of what it cost price per square foot to rebuild in my area. ...
by bbrock
Fri Dec 29, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?
Replies: 67
Views: 2897

Re: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?

And at POF and gasdoc, yes it is too late to start the DAFs, at least w/ appreciated holdings. When I browsed the FAQ section of the Vanguard Charitable website, it had a list of cut-off dates, and I think it was 12/21 to start it w/ a transfer of holdings. This was the same for Fidelity's DAF.
by bbrock
Thu Dec 28, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?
Replies: 67
Views: 2897

Re: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?

@ivk5. Your points are true. Even though I am on the cusp, I may have to bunch up charitable donations and or make a bigger donation in 2018 going forward to put me over the standard deduction. So it could still work in another year, especially the one in which I choose to make the initial $5000 con...
by bbrock
Thu Dec 28, 2017 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone had problems gifting Vanguard shares to an organization?
Replies: 37
Views: 3384

Re: Has anyone had problems gifting Vanguard shares to an organization?

Window of opportunity for a DAF has passed. The only DAF I would consider would be Fidelity. I would not open Vanguard one with a minimum of $25,000.
by bbrock
Thu Dec 28, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone had problems gifting Vanguard shares to an organization?
Replies: 37
Views: 3384

Re: Has anyone had problems gifting Vanguard shares to an organization?

Going to have to piggyback on this thread. I noticed some posters here have stated they contributed to organizations had Vanguard brokerage accounts. There is one more trading day left. I need to find an organization that has a Vanguard brokerage account so I could streamline the donation process an...
by bbrock
Thu Dec 28, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Increasing 2017 charitable donations d/t 2018 tax bill?
Replies: 24
Views: 1412

Re: Increasing 2017 charitable donations d/t 2018 tax bill?

Checked link. Looked at FAQ page. Note: *Contributions of mutual funds or securities that are held at Vanguard entered online with electronic authorization can be received through end of day December 31st for a 2017 deduction. Please consult your tax advisor for questions related to your tax situati...
by bbrock
Thu Dec 28, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Increasing 2017 charitable donations d/t 2018 tax bill?
Replies: 24
Views: 1412

Re: Increasing 2017 charitable donations d/t 2018 tax bill?

Doing this though the donor has no input though where the money goes, correct?
by bbrock
Thu Dec 28, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Increasing 2017 charitable donations d/t 2018 tax bill?
Replies: 24
Views: 1412

Re: Increasing 2017 charitable donations d/t 2018 tax bill?

My apologies, duplicate post as I had submitted this in the DAF thread: Dang it, so my local NPR station KQED and Cal C Academy of sciences do not have brokerages set up with Vanguard and as such I cannot sell appreciated assets due to having to submit paperwork. The only way this can be completed p...
by bbrock
Thu Dec 28, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?
Replies: 67
Views: 2897

Re: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?

Dang it, so my local NPR station KQED and Cal C Academy of sciences do not have brokerages set up with Vanguard and as such I cannot sell appreciated assets due to having to submit paperwork. The only way this can be completed prior to noon tomorrow is if I find some charitable organizations that ha...
by bbrock
Thu Dec 28, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?
Replies: 67
Views: 2897

Re: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?

&WL2034, fundseeker. When I think about the situation and realize the remaining trading sessions of the 2017 market, I think my ship has sailed to open/fund a fidelity DAF with appreciated assets from my taxable Vanguard account. But then when I read more from a few of the prior posts about those in...
by bbrock
Thu Dec 28, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?
Replies: 67
Views: 2897

Re: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?

Dear Gill Sorry i missed your other question. Currently I'm not itemizing. I thought opening DAF would be good item to start itemization but seems like i cannot do this now. I follow bogleheads suggestion for tax deduction which is to max out 1) 401k 2) traditional ira 3) plan for hsa I currently (...
by bbrock
Thu Dec 28, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Increasing 2017 charitable donations d/t 2018 tax bill?
Replies: 24
Views: 1412

Re: Increasing 2017 charitable donations d/t 2018 tax bill?

Upon looking at the cost of all the major listed companies DAF accounts ( from that table I linked to) I’ve come to except that is just a cost of doing business.

Good points CAsage. Uagh... 2025, I’m going to go crazy until then.
by bbrock
Thu Dec 28, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Increasing 2017 charitable donations d/t 2018 tax bill?
Replies: 24
Views: 1412

Re: Increasing 2017 charitable donations d/t 2018 tax bill?

@j295, if we’ve never been been assessed AMT, would it still be a concern if we r in 25% fed 9.3% CA FTB and we choose to maybe partake in the $5k Fidelity DAF? @sunny SoCal. U say u don’t have funds to use for a DAF. Look at any overweighted holding in your taxable account, that is if you have taxa...
by bbrock
Thu Dec 28, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?
Replies: 67
Views: 2897

Re: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?

Like everyone, trying to scramble by year end to make sense of all of this. Sorry to piggyback on to this thread... hope it's okay. Our bracket is 25% Fed w/ a state tax to CA FTB 9.3% (34.3%). Based on my 2016 return, shows I will probably fall below the std deduction of $24k for 2018. May be b/w $...
by bbrock
Thu Dec 28, 2017 1:16 am
Forum: Personal Finance (Not Investing)
Topic: Increasing 2017 charitable donations d/t 2018 tax bill?
Replies: 24
Views: 1412

Re: Increasing 2017 charitable donations d/t 2018 tax bill?

@ masterofinvesting, Great. I just looked at that. Looks good, except of I did the minimum $5k that would be assessed a $100 or 0.6% fee, whichever is greater. So, the $100 would apply and that is 2%... ouch. But it is a lot more reasonable right now that a $25k amount to Vanguard's DAF.
by bbrock
Thu Dec 28, 2017 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Increasing 2017 charitable donations d/t 2018 tax bill?
Replies: 24
Views: 1412

Re: Increasing 2017 charitable donations d/t 2018 tax bill?

Nice. Completely overlooked DAFs. But dang, looked at Vanguard's, since we have all with them besides our cash/bank accounts and our employer plans (i.e. 401k, 457, etc.), and I'm taken aback by that initial contribution of $25k. I know everybody is scrambling to get things done b4 year-end given th...
by bbrock
Wed Dec 27, 2017 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Increasing 2017 charitable donations d/t 2018 tax bill?
Replies: 24
Views: 1412

Increasing 2017 charitable donations d/t 2018 tax bill?

So in 2018 the standard deduction will increase to $24k for married couples, and combined SALT and prop tax limited to $10k. Based on this, using my 2016 taxes, that would mean that I would fall under the standard deduction ($22,019). So when I extrapolate this time in for for 2018, will probably be...
by bbrock
Wed Dec 20, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 268
Views: 66344

Re: My New Car Buying Tips

@macandal. The dealers that wanted my to email them the quote, I just keep emailing and insisting that that was not necessary in order to provide me w/ their best offer. They know it, as do I, that they can provide their quote. Ultimately I attribute it to a stalling technique akin to what denovo wa...
by bbrock
Tue Dec 19, 2017 11:41 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 268
Views: 66344

Re: My New Car Buying Tips

After reaching out to 16 dealerships, three main rounds, we got it for 4.62% percent below the true car exceptional/unusually low price. So, when I read expressions like this, do you mean below the TrueCar value or below MSRP? 4.62% below the lowest price (exceptional at True Car/unusually low at T...
by bbrock
Mon Dec 18, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 150
Views: 25068

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

Picked up our Highlander on Saturday. Got a smoking deal at 4.62% below true car exceptional/unusually low price. Great vehicle. The Toyota safety sense package with the lane departure & steering assist, dynamic cruise control, automatic highbeams is quite awesome/advanced. I don’t want to try out t...
by bbrock
Mon Dec 18, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 268
Views: 66344

Re: My New Car Buying Tips

After reaching out to 16 dealerships, three main rounds, we got it for 4.62% percent below the true car exceptional/unusually low price. The tips/techniques worked quite well. Yes, many of the dealerships wanted to me to supply the Vin or the quote directly to them, but it was those dealerships that...
by bbrock
Sat Dec 16, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 150
Views: 25068

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

Very true letsgobobby. I’ve been negotiating on a 2018 Toyota Highlander XLE AWD using many of the strategies outlined in this thread: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=124638&e=1&view=unread#unread I’ve already secured an offer 2.65% below True Car exceptional/unusually low pric...
by bbrock
Sat Dec 16, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 268
Views: 66344

Re: My New Car Buying Tips

Great Job focusedonwhatmatters!

I too am using some of the strategies outlined in this thread. I am securing ludicrous pricing on a 2018 Toyota Highlander XLE AWD w/ 2nd row bench, & P 2T all weather mats/cargo liner. So far I’m at 2.65% below true car exceptional/unusually low price.
by bbrock
Thu Dec 14, 2017 11:00 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 268
Views: 66344

Re: My New Car Buying Tips

I’d imagine that would be difficult with a used vehicle because making an apples to apples comparison would be challenging, especially for a hard to find vehicle.
by bbrock
Wed Dec 13, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 268
Views: 66344

Re: My New Car Buying Tips

What do you mean "if it was true?" And, "I'd give him my number?" You mean phone number? I have been giving dealers the wrong phone number b/c I know they like to conduct business via phone, try to get customers to come in. Keeping it 100% email, I have harnessed better power, gotten straight to the...
by bbrock
Wed Dec 13, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 268
Views: 66344

2018 Toyota Highlander XLE AWD

I finally settled on either a 2017 or 2018 Toyota Highlander XLE AWD. Finding a new 2017 XLE AWD is proving difficult. I have also looked for used or CPO 2017s, but I have found that the majority of the times the dealerships are not willing to negotiate as much on the CPO vs. the new 2018s. I keep c...
by bbrock
Wed Dec 13, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 150
Views: 25068

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

After all this, back and forth, much analysis w/ paralysis, I have settled on at least a 2017 Toyota Highlander XLE AWD which seats 8. Satisfies my need for safety, reliability, cargo capacity, tow capacity, and fuel economy. There is no one car fits all solution. Compromises have to be made. I real...
by bbrock
Mon Nov 20, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 150
Views: 25068

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

Going back to what you were talking about letsgobobby, I looked up what consumer reports says discussed about the payload. They rate the Expedition EL with a payload of 1440. Been looking and comparing that to every other large SUV and see that you really can’t get a much higher payload on SUVs. Jus...
by bbrock
Wed Nov 15, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 150
Views: 25068

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

I test drove a 2017 Lincoln Navigator L Select yesterday. Awesome. Great power, plenty 'o room, everything. They didn't have a 2016-2017 Ford Expedition EL to test drive, so driving its twin gives me just as good of an idea. I am set on the Expedition EL Limited, but used of course, which is harder ...
by bbrock
Sun Nov 12, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 150
Views: 25068

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

Yes, I figured it would have to be a liability issue if one is exceeding the vehicle’s limits. When you say indefensible, are you trying to state insurance may not cover liability d/t such a case? That wouldn’t be good. Well, I figure if I’m looking at Sequoia with such horrible gas mileage, I might...
by bbrock
Fri Nov 10, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 150
Views: 25068

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

Let’sgobobby, thank you for delving into this. I never considered any of this and it is clearly pertinent. I just assumed with a more than adequate tow rating on the Sequoia, and hypothetically considering a trailer of 5000 pounds or less, I’d be covered. Just using a Sequoia for example, if I just ...
by bbrock
Fri Nov 10, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 150
Views: 25068

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

Wouldn’t I have to look at the gross combined vehicle weight rating to get the exact number? The Sequoia is rated to tow 7100 pounds, I think I discovered . But it sounds like you’re telling me I need to take away the payload from that tow capacity? That’s not what I thought was necessary. But corre...
by bbrock
Fri Nov 10, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 150
Views: 25068

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

Payload:
2015 F150 2.7L Supercrew 4wd 2250 lb

2013 Toyota Sequoia 4wd Limited 1250 lb
by bbrock
Fri Nov 10, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 150
Views: 25068

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

Snowax, yes, I assume the reliability of the Highlander is bombproof, as is many Toyotas. The Sequoia is also 5/5 per CR re: reliability. My priorities from most important are cargo space, safety, reliability, & fuel economy & towing tied for fourth. Even with such horrible MPG‘s, the Sequoia still ...
by bbrock
Thu Nov 09, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 150
Views: 25068

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

Today, went and test drove a Sequoia and a Highlander again. The Sequoia is awesome. Lot's of power, seating in 3rd row is even comfy for me. The Highlander is nice, but really it is just slightly bigger than my 09 Outback and can tow more. The Highlander 3rd row is not comfortable for an adult; wou...
by bbrock
Tue Oct 31, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 150
Views: 25068

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

Not sure why I didn't get notification of your posts beehave or Bacchus01. Beehave, I thought about minivans, machismo plays a small factor, but more so the limited tow capacity. I think in general 3500 lb is the limit. Someone correct me if I'm wrong. The Sienna is very nice... AWD, etc., but it is...
by bbrock
Mon Oct 02, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 96
Views: 9004

Re: california homeowners - do you have earthquake insurance?

I never knew about the websites temblor.com or that Earthquake Brace & Bolt (EBB) site. Those were good sites to bookmark. For our vaca home, temblor showed a hazard of 76. For our primary home, it shows a hazard of 62. Checked the EBB site and neither zip code are listed; additionally, funding has ...
by bbrock
Sun Oct 01, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 96
Views: 9004

Re: california homeowners - do you have earthquake insurance?

Tx LadyGeek.

I see you posted here nisiprius. I generally heed what nisiprius shares. Good input.

B
by bbrock
Sat Sep 30, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 96
Views: 9004

Earthquake insurance worth it?

[Thread merged into here, see below. --admin LadyGeek] Hi Fellow Bogleheads. Hope this finds y'all doing well. Been thinking again (re-occurs at about this time of year) if earthquake insurance is worth it. We live in CA and our primary home is in the Bay Area (Tri-Valley specifically); vaca home i...
by bbrock
Wed Sep 20, 2017 10:26 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 150
Views: 25068

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

Oh yeah, I dig that megacab. I never knew of such a thing. Does that give you some good space behind the rear seat? Probably a lot more than a crew cab would.
by bbrock
Wed Sep 20, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 150
Views: 25068

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

Dang, I just looked at some pics on Google right now of that bad boy. Awesome! That's a man's truck. You got a Cummins diesel? What engine do you have? How's the MPG on that? I assume it's only your pleasure vehicle if you have your other two. You going to put a shell on it? If/when I do decide to r...
by bbrock
Wed Sep 20, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 150
Views: 25068

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

Maybe an old thread, but still very much in existence.
by bbrock
Wed Sep 20, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 150
Views: 25068

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

Coffee maker?

Sorry, I just assumed it would have been Tundra or F150. Wow, you went for the real big boy truck. Dang, with that thing you'll never have to worry "Can I tow it?"
by bbrock
Wed Sep 20, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 150
Views: 25068

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

An outboard roll cage? You talking about throwing someone in the pick up bed? A seat protected by a roll cage, that's the way to go. Yeah back in the day I remember riding in them no belt no protection nothing. Crazy