Search found 304 matches

by bbrock
Fri Apr 22, 2016 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401(k)s/ROTH IRAs, but should we also consider 457?
Replies: 23
Views: 1752

Re: Max 401(k)s/ROTH IRAs, but should we also consider 457?

Retiredjg, we would just do the Roth 457 to Roth IRA. The most straightforward, and like you stated, if there's no downside then that works. I think now it's become just the dilemma of deciding whether or not to contribute taxable versus Roth 457. Since they're both after-tax contributions, the latt...
by bbrock
Fri Apr 22, 2016 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401(k)s/ROTH IRAs, but should we also consider 457?
Replies: 23
Views: 1752

Re: Max 401(k)s/ROTH IRAs, should we also consider 457?

Tx for those last few posts. I read this regarding the 457 options of moving/rolling over funds (https://www.nrsforu.com/nrs/media/images/California/FAQs/401457comp.htm) You may move (rollover) a percentage or dollar amount of your 457 Plan to an employer's plan or IRA. Your funds will become subjec...
by bbrock
Tue Apr 19, 2016 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401(k)s/ROTH IRAs, but should we also consider 457?
Replies: 23
Views: 1752

Re: Withdraw from taxable account to invest more in non-taxable?

Tx Greg4boat, JW-retired, BL, retiredjg, randomguy, lack_ey, duckie, and all others who have responded thus far. I greatly appreciate it. Regarding governmental vs. non-governmental, I don't know. I would have to read the materials or call. My wife's plan options (traditional or ROTH 401k and 457) a...
by bbrock
Mon Apr 18, 2016 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401(k)s/ROTH IRAs, but should we also consider 457?
Replies: 23
Views: 1752

Re: Withdraw from taxable account to invest more in non-taxable?

With regards to going traditional vs. ROTH, I simply try to have all different types of assets to diversify. I have no idea about our future tax rates. Therefore, I just think it's safe to have the 401k traditional, since we already have ROTH IRAs, and taxable assets as well. Thus, we have multiple ...
by bbrock
Mon Apr 18, 2016 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401(k)s/ROTH IRAs, but should we also consider 457?
Replies: 23
Views: 1752

Re: Withdraw from taxable account to invest more in non-taxable?

Edit:
Just checked. My wife has both traditional and ROTH options for the 401k and 457 plans.
by bbrock
Mon Apr 18, 2016 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401(k)s/ROTH IRAs, but should we also consider 457?
Replies: 23
Views: 1752

Re: Withdraw from taxable account to invest more in non-taxable?

Sorry, my bad. I don't know what I was thinking comparing my after tax return on the mortgage to the average return on VCADX. I forgot it was about considering interest/yield. Tx for that correction Lack_ey. I'll consider the "low hanging fruit" later. Sounds like retiring the mortgage sho...
by bbrock
Mon Apr 18, 2016 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401(k)s/ROTH IRAs, but should we also consider 457?
Replies: 23
Views: 1752

Re: Leverage taxable account to invest more in non-taxable?

Tx for the replies thus far. Sorry for any confusion. Yes, I used leverage in the general sense meaning to "make use of." Sounds like it is a numbers gave regarding tax rates. Save more on taxes now, and pay later. For sake of simplicity (I have not run the numbers nor even would now how t...
by bbrock
Mon Apr 18, 2016 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401(k)s/ROTH IRAs, but should we also consider 457?
Replies: 23
Views: 1752

Max 401(k)s/ROTH IRAs, but should we also consider 457?

Edit: Sorry for any confusion, my use of leverage is in the general sense meaning "to make use of." End edit. Good afternoon Bogleheads, Recently, I have been thinking about how my wife and I could invest more. We each max a traditional 401k and ROTH IRA. My wife will have a future pension...
by bbrock
Wed Mar 30, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Can't waive fees any longer at Bank of America
Replies: 29
Views: 1625

Re: Can't waive fees any longer at Bank of America

Don't worry azattorney, it's free as they can't contractually change/charge my account until after 5/16. And, if there was a cost, I would tell them to send the bill to you.
by bbrock
Wed Mar 30, 2016 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Can't waive fees any longer at Bank of America
Replies: 29
Views: 1625

Re: Can't waive fees any longer at Bank of America

Just researched the Uncle CU vs. Patelco. Patelco CU is the winner. They are less $ for wires and cashier's checks/money orders. They earned my family's business. I'll have BofA cut me a $0.06 cashier's check and deposit that bad boy into a Patelco free checking account.
by bbrock
Wed Mar 30, 2016 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can't waive fees any longer at Bank of America
Replies: 29
Views: 1625

Re: Can't waive fees any longer at Bank of America

Good to hear from you Livesoft.

For sake of some simplicity if my wife ever had to get off the ground running, I keep things simple. Ally, Vanguard... works for us. Oh wait, forgot to include $0.06 at BofA, that was the triple play that worked for us.
by bbrock
Wed Mar 30, 2016 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Can't waive fees any longer at Bank of America
Replies: 29
Views: 1625

Re: Can't waive fees any longer at Bank of America

To latest post, yes, I do expect them to serve me whether I had $1mil or my $0.06. It a customer service driven world/industry. If they want my business (again, whether a mil or $0.06) they need to earn it. I've had this account for 25 years, but I guess that doesn't mean anything to BofA. To earlie...
by bbrock
Wed Mar 30, 2016 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Can't waive fees any longer at Bank of America
Replies: 29
Views: 1625

Re: Can't waive fees any longer at Bank of America

I found a Schwab location in Pleasanton, and a Fidelity investment location, if they also offer checking accounts, but in another nearby city. That may work, but that's going to be a backup choice. Still going to search for something more local perhaps credit unions or so.
by bbrock
Wed Mar 30, 2016 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Can't waive fees any longer at Bank of America
Replies: 29
Views: 1625

Re: Can't waive fees any longer at Bank of America

Ooh, that's what I'm talking about. $0. I like that price.

I'll check for a branch. Wherever I find, I will have BofA cut me a check for my hefty $0.06 balance b/c I don't feel comfortable walking around with that much cash. :P
by bbrock
Wed Mar 30, 2016 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Can't waive fees any longer at Bank of America
Replies: 29
Views: 1625

Can't waive fees any longer at Bank of America

Hi, I have a BofA Prima checking as my only checking account at a brick and mortar. All my other cash/savings accounts are at Ally. My Prima checking has had a whooping balance of $0.06 for who knows how long. I think my balance peaked a few years back at about $20-40. Anyhow, I don't use this accou...
by bbrock
Wed Mar 30, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Costco and AMEX
Replies: 57
Views: 16375

Re: Costco and AMEX

Just got mailed info about the new Citi Visa from Costco. It sounds awesome, and even better for cash back than the Amex Costco. I was considering getting the Citi double cash visa, but I may not even bother. But, OTOH, the later is not a bad card to have as a catch all for when spending will only b...
by bbrock
Fri Mar 04, 2016 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 38529

Re: Vanguard TurboTax - Not Available 2015?

Tx. Didn't know about that. Since I got it at Costco, I guess I can also go back their to return it due to their unconditional return policy. Sure, it probably looks fishy to them that I used it and am now returning it, but again, I expected it was like all the other years I have used TT in that it ...
by bbrock
Fri Mar 04, 2016 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 38529

Re: Vanguard TurboTax - Not Available 2015?

So I had bought the TT Deluxe at Costco. Just got the Fed part done, reviewed, checks out okay, and then I'm ready to do the CA State taxes, but bam, it's asking for $39.99. I have not read through the thread posts, but did anyone else who used TT Deluxe have to pay again for the State part? I was e...
by bbrock
Wed Feb 03, 2016 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 38529

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: 327
Views: 38529

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: 327
Views: 38529

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: 9746

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: 6629

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: 1669

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: 2827

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: 2827

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: 2827

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: 2827

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: 2827

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: 2827

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: 2827

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: 2827

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: 1067

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: 1067

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: 1067

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: 1067

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: 1067

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: 4467

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: 4467

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: 4467

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: 4467

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: 4467

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: 4467

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: 2048

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: 2048

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: 2048

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: 2048

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: 2048

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: 1669

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...

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