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In the past, I've used my VISA and declined CDW. However, for my next trip, I need a car for 38 days. VISA only covers 31 days. This is where the AMEX Premium Car Rental is a plus. As noted above, it will cover 42 days. On a related note: There are other alternatives like Travel Guard ($9/day) and P...

RE: 1) You need to run your tax numbers three ways, joint return, your wife survives you, and with you surviving your wife. The odds of both of you living to be in your 90's when the RMD would really be an issue is not very high. Note sure this matters. If I don't do the conversion, then regardless ...

Again, thanks for the feedback. RE: What you get to keep is all that really matters. RE: However, it's safe to say that converting will usually make sense if you can convert at a tax rate less than, equal to, or not too much higher than the tax rate that would otherwise apply to the distributions. O...

The retirement calculator that BigFoot48 referenced was very useful. It helped me debug a few problems with my (much simpler) spreadsheet. But more importantly, the results it gave me were basically the same as my spreadsheet, though I would recommend BigFoot48’s any day over mine. All of the observ...

RE: Two additions I made to my copy of the model might be useful to others. zip605, How can I get a copy of the model with your modifications? I've basically been doing what you did in your second addition to the base model, but in my own separate (very simple) spreadsheet. It is cumbersome and time...

I've finally completed my review of the Roth Case and Base Case and reconciled it with my (very simple) spreadsheet. It led to my finding a few errors in my spreadsheet; a useful way to understand yours and validate mine (which is not worth anyone else using). I also looked at the Results worksheet ...

Thanks for the quick response above. • RE: Social Security Benefits Ok, manually changing future years benefits worked for me. I’ll just need to apply these changes to any future version of your spreadsheet. • RE: Columns R – V Taxes By Tax Bracket Ok. This helped explain the differences between the...

I found your thread when you commented on a thread I started http://www.bogleheads.org/forum/viewtopic.php?f=1&t=110999 where I was using a very unsophisticated spreadsheet to consider a Roth conversion. Thanks for pointing me to your thread and spreadsheet, a very useful tool. A few comments an...

A year ago, I converted a 401k to an IRA. This year, I am considering a ROTH conversion that would be done over a period of years. Taxes for the yearly converted portion would come from other taxable mutual funds I own. To help make this decision, I put together a spreadsheet (column headers shown b...