Search found 2355 matches

by BigFoot48
Sat Apr 30, 2016 12:35 pm
Forum: Investing - Theory, News & General
Topic: "Morningstar’s Active/Passive Barometer"
Replies: 3
Views: 860

Re: "Morningstar’s Active/Passive Barometer"

The latest version of the Barometer has been released and is available here: http://corporate1.morningstar.com/ResearchArticle.aspx?documentId=749623 Christine Benz's discussion of the report with the author is here: http://news.morningstar.com/cover/videocenter.aspx?id=750638 The key finding: The A...
by BigFoot48
Wed Apr 27, 2016 5:32 pm
Forum: Investing - Theory, News & General
Topic: Handling RMDs
Replies: 31
Views: 1769

Re: Handling RMDs

The original purpose of the Retiree Portfolio Model was to compare results from doing or not doing Roth conversions, and I believe it still does a good job at this, including using all current Federal tax brackets and user provided state brackets or rate. Retiree Portfolio Model
by BigFoot48
Tue Apr 26, 2016 6:30 pm
Forum: Investing - Theory, News & General
Topic: "For bondholders, rising interest rates can have an upside"
Replies: 25
Views: 2741

Re: "For bondholders, rising interest rates can have an upside"

Ah, the eternal question. I see I have a link to a BH thread on the same topic back in 2010 titled "Bond Bubble etc". It began, "My expectations for the near future (2-3 years) are higher interest rates followed by higher inflation ..". https://www.bogleheads.org/forum/viewtopic....
by BigFoot48
Sun Apr 17, 2016 4:40 pm
Forum: Investing - Theory, News & General
Topic: "Hard Truths For Investors To Wrap Their Heads Around"
Replies: 23
Views: 3346

Re: "Hard Truths For Investors To Wrap Their Heads Around"

One generation definitely overstates things. But another factor is increased survival among the elderly. Before 1900 relatively few people lived very long into what we would now consider the retirement years. When SS started many people never reached 65 and those who did had fairly short times to l...
by BigFoot48
Thu Apr 14, 2016 12:14 pm
Forum: Investing - Theory, News & General
Topic: Schwab login issues
Replies: 5
Views: 343

Re: Schwab login issues

I sold my four slice&dice funds yesterday at Schwab - finally made it to a three-fund portfolio! - and plan to buy S&P 500 and Total International within a week (the extent of my market timing impulse) with the proceeds, but it looks like it won't be today. Thanks for the heads up. And thank...
by BigFoot48
Mon Mar 28, 2016 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question - Patchwork Quilt of Investments - Please, help me reduce expenses and simplify!
Replies: 12
Views: 737

Re: Portfolio Question - Patchwork Quilt of Investments - Please, help me reduce expenses and simplify!

I will bump your post by answering a question you didn't ask. Yes, you need to significantly reduce the number of mutual funds that you own. Ideally, you should go from holding 10-20 in some accounts to 1-3. Not only will this allow you to actually make understanding what your true asset allocation ...
by BigFoot48
Wed Mar 23, 2016 4:56 pm
Forum: Investing - Theory, News & General
Topic: ‘Rich Dad’ author says the 2016 market collapse is coming
Replies: 47
Views: 6974

Re: ‘Rich Dad’ author says the 2016 market collapse is coming

When I turn 70.5 in 3 years I will be selling stock and total bond funds in the IRA and buying stock and municipal bond funds in the taxable account. Should be about a wash except when it's new self-driving car purchase time!

This year? Staying the course.
by BigFoot48
Sat Mar 19, 2016 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 209
Views: 71512

Re: Retiree Portfolio Model

I am having a small problem with the ORP tab. Not sure what I have done wrong. All appears correct, except on the far right where RPM and ORP values are compared. The RPM values are correct, but the ORP value are off. ' The values in the '11_Social Security' ORP column are wrong The correct Social ...
by BigFoot48
Sat Mar 19, 2016 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 209
Views: 71512

Re: Retiree Portfolio Model

It appears the model has a problem with including existing benefits under the File & Suspend strategy if past age 66. About the only thing I can suggest to get it to calculate correctly is to set your ages at 66 for now. I plan to revise the SS section in the next release for the recent law chan...
by BigFoot48
Wed Mar 02, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Card
Replies: 39
Views: 2255

Re: Medicare Card

Do readers of this forum who are on Medicare carry their Medicare card in their wallet or purse or, do they secure it at home to help prevent ID theft if it is stolen? I have read the suggestion of carrying a photocopy of the card with part of the number blacked out and supplying the number when ne...
by BigFoot48
Sat Feb 20, 2016 6:19 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 748
Views: 455107

Re: Spreadsheet for backtesting (includes TrevH's data)

2) When I open the file in Win10, I get an error that says "Office has detected a problem with this file. Editing it may harm your computer." This was never an issue in rev 14 or earlier and I don't have the same problem downloading Longinvest's spreadsheet. I'm curious if anyone else is ...
by BigFoot48
Thu Feb 18, 2016 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Scam email from Social Security ?
Replies: 16
Views: 1244

Re: Scam email from Social Security ?

These scammers really need to get educated English speakers to do their emails if they want to be believed.
by BigFoot48
Thu Feb 18, 2016 11:10 am
Forum: Personal Consumer Issues
Topic: I do not know how to back up my computer
Replies: 72
Views: 4647

Re: I do not know how to back up my computer

I use the free version of SyncBack to automatically back up important folders and files once a day to a network drive, or an attached USB drive on a seldom used computer. http://www.2brightsparks.com/syncback/syncback-hub.html I also use DropBox for non-private files I want backed up immediately whe...
by BigFoot48
Thu Feb 11, 2016 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 118
Views: 15767

Re: Costco AMEX Transition - Costco has no answers

I asked a clerk yesterday and she said the transition has been pushed to mid-summer.

My Costco had pictures of 49 of their employees displayed on the wall - all had worked for Costco more than 25 years!
by BigFoot48
Mon Feb 08, 2016 11:40 am
Forum: Personal Consumer Issues
Topic: Do you download software or use a DVD drive?
Replies: 24
Views: 1128

Re: Do you download software or use a DVD drive?

Please tell me you checked around to see if anyone was interested in purchasing these vintage games? In some locales, there's a pretty good market. I checked with my local used book and games store. They had no PC games for sale out of the 100's of used console games they were selling, and weren't ...
by BigFoot48
Sat Feb 06, 2016 4:13 pm
Forum: Personal Consumer Issues
Topic: Do you download software or use a DVD drive?
Replies: 24
Views: 1128

Re: Do you download software or use a DVD drive?

I was looking at the 4' high stack of game CDs from the early 1990's thru about 2010 I had in the closet last week and decided to throw them all out. Probably about 100 games, which brought me some fun at the time, but are now largely obsolete - along with my game playing. There was even some 5.25&q...
by BigFoot48
Fri Feb 05, 2016 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Tax rate on IRA withdrawal when on Social Security
Replies: 28
Views: 2296

Re: Tax rate on IRA withdrawal when on Social Security

If anyone doesn't have their own spreadsheet for doing these types of calculations, try the Retiree Portfolio Model which has a reasonably sophisticated Federal and state tax calculator for simpler tax situations. Retiree Portfolio Model
by BigFoot48
Fri Jan 29, 2016 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 209
Views: 71512

Re: Retiree Portfolio Model

I must be missing something, I entered our ages (64 & 59) on the setup page lines 24 & 25. I get an error when trying to enter the correct starting ages for our pensions in cells G83 thru G86 (65/60/65/65). The error message says "The starting age must be greater than or equal to your ...
by BigFoot48
Sun Jan 24, 2016 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation and cash flow question for the early retired with 3 core funds
Replies: 11
Views: 1010

Re: Asset allocation and cash flow question for the early retired with 3 core funds

If you retired early in your 50's what do you do for day to day expenses ( until you get Social Security) . I retired at 50 in 1998 pre-Bogleheads days with a lump-sum pension and our lifetime of investments. It was and remains a successful retirement. Here's what I learned over the years the hard-...
by BigFoot48
Sun Jan 24, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: What 55" TV to Buy
Replies: 51
Views: 3509

Re: What 55" TV to Buy

I think the Vizio M60-C3 4k (which has the better Sharp LCD screen) at Costco would be a good choice at $930. Or go bigger like I did (55">70") and get the M70-C3. http://www.costco.com/Vizio-60%22-Class-%2860.0%22-Diag.%29-4K-Ultra-HD-Smart-LED-LCD-M60-C3.product.100161731.html Reviews of...
by BigFoot48
Sat Jan 23, 2016 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: What would a Boglehead do? (CC Debt Dilemma)
Replies: 62
Views: 4047

Re: What would a Boglehead do? (CC Debt Dilemma)

I recommend the OP pay off the cards without a cash back benefit and then cancel each and everyone of them until down to two cards. Do not add another 0% interest card as the interest on the two remaining cards will be an incentive to never carry a balance again. Good luck!
by BigFoot48
Thu Jan 21, 2016 11:08 am
Forum: Personal Consumer Issues
Topic: What was your biggest unexpected home expense?
Replies: 87
Views: 7720

Re: What was your biggest unexpected home expense?

In our 2nd home (we've had nine) in NJ, it was raining a lot and the news was reporting flooded basements, so I decided to check ours and opened the door and our cat ran down to explore, hit the bottom, jumped up and ran back up the stairs with wet legs. We had about 6" of water in the basement...
by BigFoot48
Sat Jan 16, 2016 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Is this a good idea? [private equity offering "Czech III Senior Loan Trust"]
Replies: 9
Views: 991

Re: Is this a good idea? [private equity offering "Czech III Senior Loan Trust"]

Tell your dad to run from this investment and fire the broker on his way out.
by BigFoot48
Mon Jan 04, 2016 11:27 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 825
Views: 128191

Re: What are you up YTD? [Year To Date]

-2.9% for 2015 per IRR. 42%/58%. Small cap losses were brutal. Thanks for nothing Coffeehouse portfolio! I may have to re-think finally moving to the 3-fund at age 70 and do it sooner. Live long and prosper (using the 3-fund)!
by BigFoot48
Sun Jan 03, 2016 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 209
Views: 71512

Re: Retiree Portfolio Model

A new version of the Retiree Portfolio Model model is available for download. I recommend all users download it as it contains some minor calculation corrections. Version 16.0 can be downloaded from Dropbox via this link: https://www.dropbox.com/s/7wupotagqru50p6/Retiree%20Portfolio%20Model%20v16.0....
by BigFoot48
Fri Jan 01, 2016 4:21 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 656
Views: 18483

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

Pessimistic year: 1,980.00
by BigFoot48
Thu Dec 31, 2015 4:24 pm
Forum: Personal Consumer Issues
Topic: Overcharged by car dealership
Replies: 6
Views: 1104

Re: Overcharged by car dealership

I remember a story from many decades ago of a car dealership that had an adding machine with tape that added some amount, like $100, without showing it to the total of the long list of numbers associate with a new car purchase. Somebody finally busted them. Maybe the practice lives on?
by BigFoot48
Thu Dec 31, 2015 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: POA for aging parents
Replies: 13
Views: 1228

Re: POA for aging parents

My experience. A few years ago it occurred to me that if something happened to my then 85-YO mother-in-law, it might be very difficult to manage the in-laws affairs with my father-in-law's advancing Alzheimer's. So I somewhat insisted that they needed a full set of estate documents to supplement the...
by BigFoot48
Mon Dec 28, 2015 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 209
Views: 71512

Re: Retiree Portfolio Model

The model has been tested and can be run with Excel 2003-2013, LibreOffice Calc, Kingsoft Spreadsheet*, Excel Online* and Google Sheets*. LibreOffice runs the macros, the others* may not. I see Libre has an OS version so you might try that. (Macros are not necessary to use the model, but make some t...
by BigFoot48
Sun Dec 27, 2015 6:59 pm
Forum: Personal Consumer Issues
Topic: Anyone know WHY a Tracfone upgrade is taking so long?
Replies: 20
Views: 1346

Re: Anyone know WHY a Tracfone upgrade is taking so long?

I'm not sure if it has been mentioned in this thread yet, or if' it's important for the OP, but Tracfone smartphones do not roam. Roaming is not included with smartphone service. But, basic or flip phones (and I believe "feature phones") do roam (according to the users on the Howard Forum...
by BigFoot48
Sun Dec 27, 2015 5:51 pm
Forum: Personal Consumer Issues
Topic: Anyone know WHY a Tracfone upgrade is taking so long?
Replies: 20
Views: 1346

Re: Anyone know WHY a Tracfone upgrade is taking so long?

There's a thread on the Stardust at Howard Forums if you ever get it connected: http://www.howardforums.com/showthread. ... t=stardust
by BigFoot48
Sat Dec 26, 2015 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred or Delayed?
Replies: 12
Views: 1017

Re: Deferred or Delayed?

The "at least it's not a 100%" tax?
by BigFoot48
Mon Dec 14, 2015 10:14 am
Forum: Personal Consumer Issues
Topic: Boglehead cell phone strategy
Replies: 143
Views: 15695

Re: Boglehead cell phone strategy

"I just added 365 days, 1200 minutes, 1200 mB data and 1200 text messages for $85." What site did you get that from? My first experience buying minutes off eBay! The vendor is shopcelldeals and the offers come and go. I bought this one and the PIN was emailed to me. A lot of people on How...
by BigFoot48
Sun Dec 13, 2015 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Please confirm: Medicare coverage
Replies: 39
Views: 2556

Re: Please confirm: Medicare coverage

I am in excellent health, have not seen a physician for a couple of years. I have no prescription medications and do not take vitamins, aspirin, or any other supplements. You might want to start taking advantage of the annual physicals that Medicare pays for as there are some painless conditions, l...
by BigFoot48
Fri Dec 11, 2015 7:16 pm
Forum: Personal Consumer Issues
Topic: Boglehead cell phone strategy
Replies: 143
Views: 15695

Re: Boglehead cell phone strategy

I use a tracfone with an android phone on a pay as you go plan. Quite cheap for low use, and mainly use wifi for data. The phone (LG Optimus Dynamic II) is $50 to $129 depending on where you get it. $100 per year minimum for service. That's what I have and use. I just added 365 days, 1200 minutes, ...
by BigFoot48
Mon Nov 30, 2015 9:30 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 526
Views: 57306

Re: Free Windows 10 Upgrade, Yes or No?

archbish99 wrote:Quick correction -- 10240 is the original version, 10586 is the November Update.

Thanks. I knew that then forgot it. I fixed my post.
by BigFoot48
Sun Nov 29, 2015 2:20 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 526
Views: 57306

Re: Free Windows 10 Upgrade, Yes or No?

Build 10240 is the original release version. There was a major update in November 10586 but getting it may take time. To check on ones installed version use Windows Key + R then type in "winver" and tap OK to see the current installed version. I updated two of my four with this update but ...
by BigFoot48
Sat Nov 28, 2015 1:35 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 526
Views: 57306

Re: Free Windows 10 Upgrade, Yes or No?

My big question is "What do you get by upgrading to W10 when W8.1 is working fine for me?" Why bother? My view is that the best and brightness at Microsoft will be working on making Win10 a success and I want to go along for the free ride. Plus, there doesn't appear to be a downside to up...
by BigFoot48
Sat Nov 21, 2015 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Can I make a legal last will/testament by myself?
Replies: 52
Views: 5279

Re: Can I make a legal last will/testament by myself?

In any event, now I don't know whether the first guy was right or the second guy was right, so I don't sleep so well at night (well, actually, since it will all be after I'm dead, I don't actually worry that much). I guess it's like the old adage about never going to sea with two chronometers - eit...
by BigFoot48
Sat Nov 14, 2015 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Father died, mother surviving spouse
Replies: 27
Views: 3057

Re: Father died, mother surviving spouse

I helped my mother-in-law through this process when my FIL died. All of their assets were held jointly, so it was just a matter to dealing with each one and getting them transferred to her. Brokerage account, IRA, house, car and checking account. As I recall, the sole joint credit card was just cont...
by BigFoot48
Thu Nov 12, 2015 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Can I make a legal last will/testament by myself?
Replies: 52
Views: 5279

Re: Can I make a legal last will/testament by myself?

Use Quicken Willmaker. You don't need a lawyer for a simple will. (And, btw, I'm a lawyer). That's what I have used and it's state specific and is preferred over a fill-in-the-blanks will form as it asks all the important questions to achieve a will specific to the user. It's also easy and a person...
by BigFoot48
Thu Nov 12, 2015 11:37 am
Forum: Investing - Theory, News & General
Topic: My friend is hoarding cash. What do you say?
Replies: 78
Views: 9305

Re: My friend is hoarding cash. What do you say?

I had a friend whose father died and while he and his siblings were cleaning out the house he found a box in the attic with about $100,000 in it. He didn't tell his siblings, and every house he bought after that he would always search the attic!
by BigFoot48
Sat Nov 07, 2015 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Waiting to 66 For SS Equals 8.3% COLA'd Annuity?
Replies: 50
Views: 3867

Re: Waiting to 66 For SS Equals 8.3% COLA'd Annuity?

IAnyway, I want to keep it simple and think that showing that she has an incredible opportunity to buy an 8.3% COLA'd annuity might help connect the dots. Are my numbers essentially right? Isn't it more accurate to say she'll get her COLA'd annuity and every year she waits until 70 it will be 8.3% ...
by BigFoot48
Mon Nov 02, 2015 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 209
Views: 71512

Re: Retiree Portfolio Model

Others have also had problems running it on a Mac so I would recommend some Windows/Excel/Libre combination. The macros are really very simple and I don't know why an error message like you posted are occurring in some versions of Excel, but I will continue to try and resolve it. Just remember the m...
by BigFoot48
Sun Nov 01, 2015 11:26 am
Forum: Investing - Theory, News & General
Topic: Good Withdraw Similator for Retirement?
Replies: 12
Views: 1941

Re: Good Withdraw Similator for Retirement?

You might try my model but you have to supply your own earnings rates that ORP and FIRECALC provide for the user: Retiree Portfolio Model
by BigFoot48
Sun Oct 25, 2015 6:57 pm
Forum: Personal Consumer Issues
Topic: Best Online Genealogical Chart?
Replies: 26
Views: 2737

Re: Best Online Genealogical Chart?

I like Family Echo for doing family trees for free: http://www.familyecho.com I also have doing genealogical research of late, and signed up for a six month trial of Ancestry for $49 (half off). I probably won't renew as I'll be mostly done by then and will switch back to the free sources while wait...
by BigFoot48
Fri Oct 23, 2015 3:05 pm
Forum: Personal Consumer Issues
Topic: White Noise/Sleep/Sound Therapy
Replies: 62
Views: 5027

Re: White Noise/Sleep/Sound Therapy

I have tinnitus and use the app Simply Noise on an iPod Touch in a speaker docking station at night. I prefer pink noise to white noise.
by BigFoot48
Fri Oct 16, 2015 11:59 am
Forum: Investing - Help with Personal Investments
Topic: How to conservatively invest 1.5 mil
Replies: 9
Views: 1773

Re: How to conservatively invest 1.5 mil

pieinthesky wrote:I'm asking this for a friend, who is in her 50s and has accumulated a sizable amount of money.

It would be useful to know whether how this money is distributed between a taxable account and a tax-deferred account.
by BigFoot48
Tue Oct 13, 2015 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Moving into Roth IRA to save on taxes later on
Replies: 6
Views: 758

Re: Moving into Roth IRA to save on taxes later on

You can get a general idea of conversion amounts and taxes using this model, then refine your 2015 numbers with a current year tax calculator and your detailed actual income: Retiree Portfolio Model
by BigFoot48
Sat Oct 10, 2015 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: How do I calculate state taxes? [Impact on Social Security taxes]
Replies: 25
Views: 2293

Re: How do I calculate state taxes? [Impact on Social Security taxes]

I think an interesting chart to compliment the marginal rate one would be the tax amounts for the various income levels.

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