Search found 2387 matches

by BigFoot48
Wed Sep 28, 2016 7:01 pm
Forum: Personal Consumer Issues
Topic: Please recommend a new tablet
Replies: 26
Views: 1830

Re: Please recommend a new tablet

My wife really likes the look and performance of the Samsung Galaxy Tab S2 9.7" that we bought at Costco. It replaced a Nexus 10 that was having battery problems. It is above your price-point though, at $480.
by BigFoot48
Tue Sep 27, 2016 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Can I make a legal last will/testament by myself?
Replies: 61
Views: 6351

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

I never seen an article or post that a Nolo Willmaker prepared Will was found to be invalid by a court. Anyone seen evidence of that happening?
by BigFoot48
Sun Sep 25, 2016 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Best Frugal Way to Create a Will
Replies: 32
Views: 3985

Re: Best Frugal Way to Create a Will

Recently found that many states now have TRANSFER ON DEATH deeds for real estate too this is very interesting! who does one file or record such RE TOD deed with? thank you! I did such a deed when my father-in-law died and his wife became the home owner with their sole child, my wife, the ultimate b...
by BigFoot48
Thu Sep 22, 2016 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: best software for financial planning
Replies: 47
Views: 6106

Re: best software for financial planning

I noticed a couple of other weird things. It told me we had too much income for aca subsides. Which might be true if we were a two person household since we are a four person family not accurate. It also says to take money out of tax deferred. We are both shy of 59 1/2? You might want to email Jame...
by BigFoot48
Thu Sep 22, 2016 8:32 am
Forum: Personal Finance (Not Investing)
Topic: best software for financial planning
Replies: 47
Views: 6106

Re: best software for financial planning

But is that how it works IRL? If someone works from ages 15 to 50 then stops working and claims SS at 70 the PIA grows for 20 years? The PIA is fixed based on the earnings history at the end of employment but does not include the annual inflation adjustments between the end of employment and starti...
by BigFoot48
Wed Sep 21, 2016 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: best software for financial planning
Replies: 47
Views: 6106

Re: best software for financial planning

I put a PIA at my full retirement(67) of 17k. I would guess my yearly PIA at 70 would be more like 21k. My spouse's was also listed way too high as well The actual amount depends on the number of years between now and your PIA year, as the COLA rate entered will escalate your entered PIA amount for...
by BigFoot48
Mon Sep 19, 2016 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 235
Views: 86600

Re: Retiree Portfolio Model

LadyGeek, the 2.5% Social Security COLA I've been using in the example data comes from the average over the past 27 years, as you found out. This is also the rate the ORP model has been using but he recently reduced it and the inflation rate to the Federal Reserve target of 2% in his new "simpl...
by BigFoot48
Sun Sep 18, 2016 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 235
Views: 86600

Re: Retiree Portfolio Model

Thanks LadyGeek for all the corrections and suggestions and I concur on their benefit. I have corrected or modified all of them that you have reported through your last post. As for cell comments being blocked by graphs, I'm unaware of any with that problem but will adjust any that are reported, or ...
by BigFoot48
Sat Sep 17, 2016 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 235
Views: 86600

Re: Retiree Portfolio Model

All of the link and macro issues reported by LadyGeek and some more have been fixed in the current version 16.2. I'm glad to see that the clickable link issue that forced me to show links rather than make them clickable has gone away. The broken data validation message is likely the false positive t...
by BigFoot48
Sun Sep 11, 2016 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 235
Views: 86600

Re: Retiree Portfolio Model

Thanks LadyGeek! I will fix those in the next few weeks.
by BigFoot48
Tue Aug 30, 2016 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: best software for financial planning
Replies: 47
Views: 6106

Re: best software for financial planning

In the Retiree Model Portfolio, would converting one of the IRAs (the smallest) to an annuity for modeling purposes be a reasonable work around to the single IRA conversion limitation? I tried that as an experiment, setting the annuity payments to equal the RMDs of the smallest IRA and it seemed to...
by BigFoot48
Tue Aug 30, 2016 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: best software for financial planning
Replies: 47
Views: 6106

Re: best software for financial planning/ look at Retirees Model Portfolio

This must have been where I fell short previewing the Retiree's Model Portfolio... :oops: I wanted to enter different types of accounts (457/403B/) as well as many more of them. Couldn't figure an easy way to do that. Also wanted to delete the 'Inherited IRA' entries, but...? There's is a limit to ...
by BigFoot48
Fri Aug 26, 2016 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 87
Views: 13424

Re: Are Bogleheads Buying I-Bonds 2016?

I sold the i-bonds we held in Treasury Direct last year and our Vanguard Inflation-Protected Securities fund earlier this year as I finally adopted the 3-fund portfolio. (Total Bond Fund VBMFX returns the last 5 years have been: 7.56, 4.05, -2.26, 5.76 and 0.30%) The amount of both inflation bond ho...
by BigFoot48
Wed Aug 24, 2016 7:49 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 39
Views: 3362

Re: Aug. 2017 US total eclipse hotel reservations.

We tried to book at La Quinta in Idaho Falls (which takes pets - guess what we travel with) on Aug 21 for 2017 and they were mostly booked up with the remaining empty rooms on hold by corporate and showing a price of $1,000 a night. So we booked in Twin Falls (where we were just two weeks ago) and g...
by BigFoot48
Fri Aug 19, 2016 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 235
Views: 86600

Re: Retiree Portfolio Model

You can chose however many years you would like to model, from 1 to 40. So just pick the number that ends your model at age 90. (I have never run a 1 year test model - user beware - the results may be a bit odd.)
by BigFoot48
Wed Aug 03, 2016 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 235
Views: 86600

Re: Retiree Portfolio Model

I have a question on your new version 16.2, I'm switching over from version 16.0 and I found one item for you to look at please. On the Setup tab in cell E13, "In Use alternative SS benefits?" the yes/no selection drop down box is missing. When you have a chance could you look at that ple...
by BigFoot48
Tue Aug 02, 2016 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 235
Views: 86600

Re: Retiree Portfolio Model

And thank you Zephavest for those kind comments. I just hope you used both your own models and many other sources in making your early-retirement decision, as we must always remember this wisdom: "the data is not a future reality, just a mathematical construct". Best of luck!
by BigFoot48
Tue Aug 02, 2016 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 235
Views: 86600

Re: Retiree Portfolio Model

...so some review and advise would likely be a benefit. The only reviews available are those posted by users in this thread, and they are mostly limited to either they find it useful or they found a problem. I recommend users that want to test it should start with limited entries, verify that the m...
by BigFoot48
Fri Jul 22, 2016 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 235
Views: 86600

Re: Retiree Portfolio Model

A new version of the model, 16.2 - Jul 22, 2016, is now available and can be downloaded from Dropbox via this link: https://www.dropbox.com/s/n2ymgix2nowz2ki/Retiree%20Portfolio%20Model%20v16.2.xls?dl=0 Note: A problem in the "Clear Entries" macro was reported by a user (thanks Puck!) and ...
by BigFoot48
Sun Jul 17, 2016 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 235
Views: 86600

Re: Retiree Portfolio Model

I revised the page: Retiree Portfolio Model BigFoot48 - If you don't like the wording, just change it. (Any editor is welcome to edit the page.) LadyGeek, thanks for making that improvement to the Wiki page as it will now make locating the model link and asking questions in this thread much easier....
by BigFoot48
Sat Jul 16, 2016 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Have questions about RMD
Replies: 13
Views: 1035

Re: Have questions about RMD

RMDs don't appear to be a "withdrawal", more a "transfer", but the additional taxes paid would be part of the 4% withdrawal target. The taxman cometh for me in three more years. I try not to think about it much.
by BigFoot48
Sun Jul 03, 2016 9:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: The Declaration of Independence
Replies: 44
Views: 3547

Re: The Declaration of Independence

I like what John Adams wrote to his wife Abigail on July 3, as it is still happening 240 years later: “The Second Day of July 1776 will be the most memorable Epocha, in the History of America. . . . It ought to be solemnized with Pomp and Parade, with Shews, Games, Sports, Guns, Bells, Bonfires, and...
by BigFoot48
Sun Jul 03, 2016 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: $400,000 Roth Conversions Between Ages 66-69?
Replies: 109
Views: 11542

Re: $400,000 Roth Conversions Between Ages 66-69?

A Roth Conversion spreadsheet to use until you can create your own: Retiree Portfolio Model
by BigFoot48
Mon Jun 27, 2016 6:15 pm
Forum: Personal Consumer Issues
Topic: Good Deal on a Pocket Pistol
Replies: 124
Views: 10730

Re: Good Deal on a Pocket Pistol

gatorman wrote:Did you put Hogue handall grips on it? My reading says they're pretty effective in reducing felt recoil.
gatorman

I did not but will look into that. Anything to make practicing less painful would be welcome!
by BigFoot48
Mon Jun 27, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: Good Deal on a Pocket Pistol
Replies: 124
Views: 10730

Re: Good Deal on a Pocket Pistol

I saw this: http://www.kygunco.com/Product/View?ItemNo=95665#.V2wz6vkrKUk which is a pretty good deal on a Ruger .380 LCP Custom. $226.59 with free shipping, so I thought I'd bring it to your attention. Of course, it has to go to an FFL holder That's an excellent price based on how much I paid for ...
by BigFoot48
Tue Jun 14, 2016 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 194
Views: 32132

Re: Liking the new Citi CC at Costco

Looks like Costco has one additional change coming via an email they sent me today: "Beginning June 20 (less than a week away), Costco will accept ALL Visa® cards. Mark your calendar for the beginning of a new chapter in the Costco story."
by BigFoot48
Tue Jun 14, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: Help! Microsoft kills WIN Live Mail-2012
Replies: 22
Views: 1887

Re: Help! Microsoft kills WIN Live Mail-2012

Do I need to do anything to protect my archives, or they will be accessible no matter what happens elsewhere? As far as I know they should still be accessible but since I moved my offline folder contents to the online folders I can't test them against the new IMAP setup. I'm still seeing local fold...
by BigFoot48
Tue Jun 14, 2016 10:30 am
Forum: Personal Consumer Issues
Topic: Help! Microsoft kills WIN Live Mail-2012
Replies: 22
Views: 1887

Re: Help! Microsoft kills WIN Live Mail-2012

Yesterday I converted my Live Mail program to use the IMAP format on two computers. I followed the below instructions I found on the web here: http://www.ghacks.net/2016/05/06/windows-live-mail-2012-end-of-outlook-support/ It worked, and LM is performing as it always has. If you don't want to use an...
by BigFoot48
Fri Jun 03, 2016 1:41 pm
Forum: Investing - Theory, News & General
Topic: Thank you Taylor Larimore
Replies: 51
Views: 7905

Re: Thank you Taylor Larimore

In 1999 Taylor posted this poem in the Morningstar Bogleheads forum in response to some difficulty a person was having. In 2004 another member, remembering it, used it upon the death of his 99 year old mother to comfort his family members, and made a post honoring Taylor, in a thread on Taylor's can...
by BigFoot48
Tue May 31, 2016 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversions, Zero Income Years and Tax Brackets
Replies: 64
Views: 4524

Re: Roth Conversions, Zero Income Years and Tax Brackets

I think I-ORP provides some guidance for those who experiment to see what a good strategy might be, by just running once with the Roth conversion disabled and once with Roth conversions enabled. After you study the results of each run, you can then decide whether you might prefer being in the 25% b...
by BigFoot48
Mon May 16, 2016 8:12 am
Forum: Personal Consumer Issues
Topic: Best "Life Alert" type device for 98 year old grandparents
Replies: 16
Views: 1440

Re: Best "Life Alert" type device for 98 year old grandparents

Family member uses Great Call Five Star medical alert system. Works well. Advantages are works on Verizon cellular network so works anywhere you have Verizon service. Cost was lower than others too. About $15-20 a month depending on level of service. No contract, pay month to month. They came out w...
by BigFoot48
Thu May 12, 2016 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 235
Views: 86600

Re: Retiree Portfolio Model

Love this spreadsheet! Under Other Income: I have entered my age above (67), but when I enter the start age for some other income (85) I get an error message that start age must be greater than my age. It is, so I don't understand why I get the error message. Please help! Thanks! The warning messag...
by BigFoot48
Sat Apr 30, 2016 12:35 pm
Forum: Investing - Theory, News & General
Topic: "Morningstar’s Active/Passive Barometer"
Replies: 3
Views: 992

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: 2369

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: 3306

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: 3727

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: 468

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: 884

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: 7517

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: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 235
Views: 86600

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: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 235
Views: 86600

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: 2696

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: 786
Views: 478073

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: 1392

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: 5335

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: 163
Views: 27955

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: 1388

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: 1388

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: 2610

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: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 235
Views: 86600

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 ...

Go to advanced search