Search found 2377 matches

by BigFoot48
Tue Aug 30, 2016 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: best software for financial planning
Replies: 34
Views: 4113

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: 34
Views: 4113

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: 12994

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: 3141

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: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 223
Views: 83853

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: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 223
Views: 83853

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: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 223
Views: 83853

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: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 223
Views: 83853

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: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 223
Views: 83853

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: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 223
Views: 83853

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: 999

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: 3451

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: 11157

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: 10460

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: 10460

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: 31706

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: 1801

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: 1801

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: 44
Views: 6536

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: 4449

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: 1408

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: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 223
Views: 83853

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: 968

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: 2339

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: 3273

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: 3689

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: 445

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: 861

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: 7465

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: 223
Views: 83853

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: 223
Views: 83853

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: 2659

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: 784
Views: 475302

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: 1372

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: 5275

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: 27452

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: 1365

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: 1365

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: 2558

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: 223
Views: 83853

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: 1101

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: 4030

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: 4566

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: 8462

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: 1167

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: 1054
Views: 170296

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: 223
Views: 83853

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: replaced by v16.2 Changes in 16.0 include: >>Updated tax rates and brackets to...
by BigFoot48
Fri Jan 01, 2016 4:21 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 657
Views: 24377

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: 1155

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: 1374

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...

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