Search found 2342 matches

by BigFoot48
Thu Feb 11, 2016 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 56
Views: 5968

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: 984

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: 984

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: 2076

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: 204
Views: 67724

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: 955

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: 3340

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: 3828

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: 7282

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: 782

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: 753
Views: 111472

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: 204
Views: 67724

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: 646
Views: 14566

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: 1068

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: 1146

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: 204
Views: 67724

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: 1196

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: 1196

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: 975

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: 14236

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: 2273

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: 14236

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: 429
Views: 44018

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: 429
Views: 44018

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: 429
Views: 44018

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: 4890

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: 2898

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: 4890

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: 8744

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: 3551

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: 204
Views: 67724

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: 1856

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: 2590

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: 4663

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: 1695

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: 717

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: 2196

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.
by BigFoot48
Thu Oct 08, 2015 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 204
Views: 67724

Re: Retiree Portfolio Model

I'm glad you like the model. The problem you are seeing appears to be likely a result of saving it to the ods format. The alignment of that flow chart is perfect using LibreCalc and the xls format on Windows, but saving it to ods format and reloading results in the problem you are seeing. The "...
by BigFoot48
Tue Oct 06, 2015 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 204
Views: 67724

Re: Retiree Portfolio Model

Thank you for reporting that error. ORP1 is the macro that copies the model summary data for use in comparing to the ORP data. I did not test this update in Excel 2010 but will do so and see if the ranges used in that macro are causing this error message. Update 1: I can confirm that 15.2 is not ope...
by BigFoot48
Mon Oct 05, 2015 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversions - Retired, Single
Replies: 27
Views: 1563

Re: Roth Conversions - Retired, Single

James Welch, who created ORP, has done a whitepaper on Roth Conversions that those contemplating doing some may find interesting. It is available at the bottom of the page here: http://www.i-orp.com/ One portion of his conclusion: "Given an aversion to using savings to prepay taxes in a higher ...
by BigFoot48
Mon Oct 05, 2015 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 204
Views: 67724

Re: Retiree Portfolio Model

A new version (15.2) of the Retiree Portfolio Model is now available for download from Dropbox via this link: Replaced by a newer version Note: Using Excel 2010 may result in an error message and disabling of macros. Under investigation. Changes in 15.2 include: Interim fix Nov 2: Fixed macros on Re...
by BigFoot48
Fri Sep 25, 2015 4:49 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 263
Views: 24661

Re: Aren't we overdoing electronic auto safety features?

Frankly I don't think it's a particularly good idea to set cruise control in heavy traffic such as I-10 in Phoenix and would never do it. On the contrary, I believe the radar monitoring distance feature greatly enhances safety. It reacts much faster to a car in front of me slowing and maintains the...
by BigFoot48
Tue Sep 22, 2015 3:05 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime is $67 for New Members Friday
Replies: 51
Views: 4875

Re: Amazon Prime is $67 for New Members Friday

We recently needed some more vacuum bags for our old Mighty Mite and after looking for them in three stores (we were in for other reasons) gave up and ordered some from Amazon for $12.20 and free Prime shipping. Should have done it from the start but old habits die hard! http://www.amazon.com/gp/pro...
by BigFoot48
Tue Sep 22, 2015 2:12 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime is $67 for New Members Friday
Replies: 51
Views: 4875

Amazon Prime is $67 for New Members Friday

I had forgotten I done a similar thread in January when Prime became $72 for a day until I did a search, but here I am book-ending it with this one. The difference is I did become a Prime member then and boy do I love the free fast shipping and the occasional interesting free Kindle book. Still have...
by BigFoot48
Sun Sep 20, 2015 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help using Schwab Brokerage
Replies: 5
Views: 441

Re: Help using Schwab Brokerage

I switched to Vanguard ETFs in my Schwab account a few years ago just to avoid the high transaction costs, but also own the Schwab S&P 500 (SWPPX) and Schwab Total Stock Market (SWTSX) funds. As it has turned out I so seldom sell or buy that I'm not sure it was worth the effort as I much prefer ...
by BigFoot48
Thu Sep 17, 2015 5:04 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 429
Views: 44018

Re: upgrade to Windows 10?

I've installed it on five computers and like it very much, especially the MIL's HP desktop that had constant Win7 upgrade failures over the years. It now boots in 15 seconds and I've got my fingers crossed its update failures are a thing of the past.
by BigFoot48
Tue Sep 15, 2015 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 204
Views: 67724

Re: Retiree Portfolio Model

I also think the Social Security spreadsheet PapaGreek has done is an excellent contribution to understanding the impact of taxes on SS. It's encouraged me to flag the 46% marginal rate in this model, and I will also add a link to PapaGreek's thread it in the next update of RPM. Update: can't get li...
by BigFoot48
Tue Sep 15, 2015 11:03 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 263
Views: 24661

Re: Aren't we overdoing electronic auto safety features?

We just took a 300 mile Interstate trip with our new Highlander with Adaptive Cruise Control and I love it! Even used it in slower traffic on I-10 thru Phoenix and it eliminated a lot of manual braking and accelerating. I liked how it would alert me to a car moving slower ahead of me and I could dec...
by BigFoot48
Sun Sep 13, 2015 11:49 am
Forum: Personal Consumer Issues
Topic: Wifi Laser Printer - Recommendations?
Replies: 24
Views: 1721

Re: Wifi Laser Printer - Recommendations?

Been extremely happy with the Brother 2280DW I bought two years ago. Leave it on all the time and anytime I want to wireless print something it will wake up and do the job. Makes life simple.
by BigFoot48
Tue Sep 01, 2015 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 204
Views: 67724

Re: Retiree Portfolio Model

I enjoy using your latest spreadsheet model. When I put in a future growth rate for stocks the spreadsheet seems to assume that it is all taxable while in most cases it is really not taxable since it is not being sold, but the value does grow. The calculated taxes appear to be much higher than I am...

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