Search found 2460 matches

by BigFoot48
Sun Aug 13, 2017 1:28 pm
Forum: Forum Issues and Administration
Topic: Please consider setting a time limit of 15 minutes to edit a post
Replies: 31
Views: 2554

Re: Please consider setting a time limit of 15 minutes to edit a post

I have posts years and months old that I edit when I release a new version of the Retiree Portfolio Model. I would like to continue to be able to do that but could do a work-around should the forum-powers decide to have a time limit.
by BigFoot48
Fri Aug 11, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7257

Re: Aug. 2017 US total eclipse hotel reservations.

Just heard the edges of the eclipse may be up to 1/2 mile different from what the maps have been showing. Drive that extra mile!
by BigFoot48
Thu Jul 27, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 93
Views: 5584

Re: Where to View Total Eclipse? - Kansas City / Nashville et al

This is an interesting map showing the chance of clouds along the path: m We're going to Idaho (which will be awful, don't go there!) and plan to get up at 5AM for a 2 hr (hopefully) drive to the centerline for the 11:30 totality. We're anticipating a apocalyptic traffic event and have several alter...
by BigFoot48
Mon Jul 17, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Photobucket is out of control with popups. Alternatives?
Replies: 14
Views: 1471

Re: Photobucket is out of control with popups. Alternatives?

I saw Postimage (postimg.org) recommended on another forum so I checked it out and it looks like a good alternative to Photobucket and hopefully will be forever free.
by BigFoot48
Mon Jul 17, 2017 5:27 pm
Forum: Forum Issues and Administration
Topic: [Wiki] Posting images in the Bogleheads forum
Replies: 8
Views: 850

Re: [Wiki] Posting images in the Bogleheads forum

Another forum I am active on posted an alert to the change at Photobucket and recommended Postimage (postimg.org), a "forever" free hosting site for images. I checked it out, quickly set up an account, copied en-mass the BH images I had downloaded from Photobucket into a BH gallery in Post...
by BigFoot48
Sat Jul 15, 2017 12:07 pm
Forum: Forum Issues and Administration
Topic: [Wiki] Posting images in the Bogleheads forum
Replies: 8
Views: 850

Re: [Wiki] Posting images in the Bogleheads forum

It's also possible your browser has the images locally cached and your browser hasn't pulled the latest from Photobucket, so what you're seeing may be different from what others see. Excellent point! I use Firefox and checked via Chrome and my PB images are still showing. However when I click on th...
by BigFoot48
Fri Jul 14, 2017 9:26 pm
Forum: Forum Issues and Administration
Topic: [Wiki] Posting images in the Bogleheads forum
Replies: 8
Views: 850

Re: [Wiki] Posting images in the Bogleheads forum

Thanks LadyGeek for posting this. The email I received from Photobucket on July 10 was titled "Some features on your account will be disabled" and included "Photobucket has only restricted the ability to view your photos on 3rd party sites." However, in one of my threads with mul...
by BigFoot48
Thu Jul 13, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Photobucket is out of control with popups. Alternatives?
Replies: 14
Views: 1471

Re: Photobucket is out of control with popups. Alternatives?

Photobucket has just disabled 3rd party linking to images on its site via URLs (or one can pay $399 a year to keep the links). I'm searching for a suitable alternative for the dozens of images/graphs I've posted here. No luck so far with Google Drive. They provide a link but it doesn't work here as ...
by BigFoot48
Fri Jul 07, 2017 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 323
Views: 121273

Re: Retiree Portfolio Model

Diynofees, I will be glad to answer your questions but I'm away from my model for the next week and need it to confirm the answers i have are correct. Stand by!
by BigFoot48
Sat Jun 24, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 323
Views: 121273

Re: Retiree Portfolio Model

I just downloaded both versions this morning, I got this error in the 17b version, 17 was fine. This happened when selecting the "Clear" sheet function. Is this a bug to be concerned about or just continue on? Thanks. Just a bug which I just fixed in the "xb" version and have up...
by BigFoot48
Fri Jun 09, 2017 4:24 pm
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 10686

Re: Jim Rogers predicting "crash of a lifetime" this year or next

Avo wrote:I remember an article in Worth magazine around 1989 in which Rogers advised any young person starting out to move to China ...

And that's where he moved to! From the interview:
Rogers: Well, that’s why I moved to Asia. My children speak Mandarin because of what’s coming.
by BigFoot48
Thu Jun 08, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 323
Views: 121273

Re: Retiree Portfolio Model

In setup, no matter what value I enter, the Ending Balances for Taxable is a negative number (up to -$500,000, but never less than -$450,000) The usual reason this happens is that expenditures from taxable exceed the funds going in via IRA/Roth withdrawals. You might also try turning on the "G...
by BigFoot48
Wed Jun 07, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 323
Views: 121273

Re: Retiree Portfolio Model

I created a model and did not bother to put an "ending" age in for one of the two people. Interestingly, that means that the "age for switching to single" tax model was shown as "0", and more surprising (at least to me) was that it appears that as a result all years ar...
by BigFoot48
Tue Jun 06, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 323
Views: 121273

Re: Retiree Portfolio Model

sandramjet wrote:I just noticed something by accident, and wonder if it is by design or not...

thanks again for a great tool!

Thanks. Just an oversight, or was it on purpose to force the user to insert a year? Either way, I'll fix it somehow in the next release.
by BigFoot48
Mon Jun 05, 2017 5:24 pm
Forum: Investing - Theory, News & General
Topic: Best Roth conversion calculator?
Replies: 14
Views: 817

Re: Best Roth conversion calculator?

I have been looking for an online calculator that will help me decide whether or not to convert to a Roth IRA and how much money I should convert per year. My Retire Portfolio Model is not online but it's designed to calculate the impact of Roth conversions on one's portfolio and Federal taxes, and...
by BigFoot48
Mon Jun 05, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: Best Roth conversion calculator?
Replies: 14
Views: 817

Re: Best Roth conversion calculator?

I have been looking for an online calculator that will help me decide whether or not to convert to a Roth IRA and how much money I should convert per year. My Retire Portfolio Model is not online but it's designed to calculate the impact of Roth conversions on one's portfolio and Federal taxes, and...
by BigFoot48
Mon May 15, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 323
Views: 121273

Re: Retiree Portfolio Model

Thanks ubermax. I intend to continue to maintain and tweak the model as a retirement hobby for the foreseeable future, but I may follow Simba some day and the model may be adopted by a new manager or drift off into oblivion.

Now, back to my new hobby, genealogy research!
by BigFoot48
Mon May 15, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 323
Views: 121273

Re: Retiree Portfolio Model

I'm sorry about the difficulty in using the model and it's one of my goals to improve that. In the meantime, please note that every input factor has a cell description in the title or entry explaining it, and every section heading, such as Portfolio Balances, has a description. There's also a descri...
by BigFoot48
Thu May 11, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: I-ORP, Firecalc, The RPM, etc, et al: Question
Replies: 7
Views: 931

Re: I-ORP, Firecalc, The RPM, etc, et al: Question

Thanks for that suggestion and I will consider it. I do like the automated calculations that the web-based models provide but I'm hesitant (not to mention lack of programming skills) to add complications to RPM that already tends to overload the user with results. I-ORP started providing a simpler i...
by BigFoot48
Thu May 11, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: I-ORP, Firecalc, The RPM, etc, et al: Question
Replies: 7
Views: 931

Re: I-ORP, Firecalc, The RPM, etc, et al: Question

Jumping off from this top notch summary of I-ORP (https://www.bogleheads.org/forum/viewtopic.php?f=10&t=218659) I have a general question about the many 'retirement planners' available. Do any consider the effects of the death of one spouse in a couple on the finances of the remaining spouse? T...
by BigFoot48
Thu Apr 20, 2017 1:47 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 39889

Re: Larry Swedroe says "Goodby."

A sad day for the forum but just think of the 100,000s that have benefited from his advice. That is priceless. I have always followed the links to his columns, read them and thought "what good advice, that sounds exactly right, this is one of those really smart and insightful guys". I hope...
by BigFoot48
Thu Apr 20, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 323
Views: 121273

Re: Retiree Portfolio Model

In doing a lot of cross checking I believe I have found a bug. You did indeed! In the example data this resulted in about of $2,000 different ending portfolio balance as the tax-exempt asset earning were close to the estimate of non-taxed amounts included in annual earnings from the taxable account...
by BigFoot48
Fri Mar 31, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 323
Views: 121273

Re: Retiree Portfolio Model

Where in the model to set the retirement year? My wife and I are still earning income so there is no need for IRA or 401K distribution till several years later. The model is designed for those in or near retirement, with a 40 year limit on the forecast period. As it uses current year tax rates and ...
by BigFoot48
Mon Mar 27, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Using Schwab for primary checking account
Replies: 18
Views: 1849

Re: Using Schwab for primary checking account

It works out you can turn it off, but you have to phone them, and they don't confirm it in writing. You have to phone them again later and ask them to tell you how your overdraft protection, if any, is set up. I dislike it. Good to know. I think I'll stop by their office next time I'm nearby and as...
by BigFoot48
Mon Mar 27, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Using Schwab for primary checking account
Replies: 18
Views: 1849

Re: Using Schwab for primary checking account

I've been using them for checking for nearly 20 years and have been satisfied with their service. I once used a brand-x ATM in a 7-11 to get $300 and it provided a receipt but no cash. The store was of no help so I called Schwab and within a day the $300 was back into my account. Tip: only use bank-...
by BigFoot48
Mon Mar 27, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: bath soap that doesn't leave soap scum?
Replies: 11
Views: 2092

Re: bath soap that doesn't leave soap scum?

Don't use hard soap. There's a reason it returns to hard after getting wet!
by BigFoot48
Sat Mar 18, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 323
Views: 121273

Re: Retiree Portfolio Model

As a more general question, is there any way to change the default settings for the number of digits allowed in a given column on the summary page? Thanks for reporting that odd result as it revealed another problem with the "hide rows/columns" macro on the Summary page. Because some titl...
by BigFoot48
Fri Mar 10, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: About to retire and need to realize 5%/year to live on.
Replies: 71
Views: 7964

Re: About to retire and need to realize 5%/year to live on.

I am new to this forum, and not a savvy investor. I am about to retire (1 month) and my strategy is to take the lump sum (~$2M) to invest and live off the interest, while preserving the principal to pass onto my heirs. I'm 61.5 years old. Any advice as to how I can get this accomplished, without pa...
by BigFoot48
Sat Feb 18, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: How do you invest the proceeds [from your RMD?]
Replies: 22
Views: 2167

Re: How do you invest the proceeds [from your RMD?]

I manage the RMD for my 90 YO MIL. She does not need the proceeds for living expenses. I sell Total Bond Fund in the IRA and invest in Vanguard Inter-Term Tax Exempt Fund in the taxable account. Allocation remains unchanged at about 20/80.
by BigFoot48
Mon Feb 13, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: The old debate on taxes now vs later
Replies: 25
Views: 2841

Re: The old debate on taxes now vs later

The premise of the book, people hit age 70.5, start taking the RMDs required by the IRS and end up chipping away at their retirement nest egg at a quicker rate than expected, to the point where they have nothing left. A highly unlikely result unless expenses are out of control. When my FIL died in ...
by BigFoot48
Thu Feb 02, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 323
Views: 121273

Re: Retiree Portfolio Model

Is it possible to have a macro to export (write) the inputs to a text file and a 2nd macro to import(read) that text file into your spreadsheet? Thanks! I've thought about doing that as the input data can be stored (user action) on the Results page. It may be possible to copy that data and import i...
by BigFoot48
Thu Feb 02, 2017 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Do ROTH conversion or not?
Replies: 23
Views: 2515

Re: Do ROTH conversion or not?

TIncreased income can sometimes make more of your SS taxable at a higher rate if you are in the Hump Zone. I think Bigfoot's spreadsheet deals with this. Increased income can cause your Medicare costs to increase. This isn't a terrible situation but try to avoid being just over a tier threshold... ...
by BigFoot48
Sat Jan 28, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Calculators [free vs paid]
Replies: 24
Views: 2287

Re: Social Security Calculators [free vs paid]

After reading about tax-exempt funds here, I starting buying a Vanguard tax-exempt fund from the proceeds of my MIL's RMD, and plan to do the same for mine when RMD's start. As I result, I added Tax Exempt to the allocation choices in the Retiree Portfolio Model and the impact of tax exempt earnings...
by BigFoot48
Sat Jan 28, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: where to retire?
Replies: 63
Views: 6774

Re: where to retire?

Seems like Arizona would be a good place. But which city? I don't want snow but I rather not deal with the extreme heat. Tuscon Prescott valley Scottsdale Maricopa Bisbee ?? Having lived in both Scottsdale and Tucson I would recommend Tucson as it's at 2500' and temperatures are 5-10 cooler, which ...
by BigFoot48
Wed Jan 25, 2017 12:37 am
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 23
Views: 2419

Re: Electric Bicycles

My wife and I started riding bikes again at about age 60 for exercise and typically ride 30-40 miles a week (some hills). About two years ago her arthritis was bothering her so I put a Hill Topper electric front wheel on her bike. It cost about $600 and provides about a 10 mile range at about 18 mph...
by BigFoot48
Mon Jan 23, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 323
Views: 121273

Re: Retiree Portfolio Model

I just started using this and am still figuring things out. One puzzler is that the case I set up has almost no money in the taxable account and yet the model somehow keeps putting money into that in future years. Why? Is there a way to turn that off via the setup? The SS seems to flow money from t...
by BigFoot48
Tue Jan 17, 2017 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Tax Exempt Bonds
Replies: 8
Views: 1478

Re: Vanguard Tax Exempt Bonds

I manage my widowed 90 year-old mother-in-law's investments. Three years ago I decided to invest her RMD proceeds, along with proceeds from simplifying her account down to a 3-Fund version, in the Vanguard Intermediate Term Tax Exempt fund (VWITX). She is in the 25% marginal bracket. I've just finis...
by BigFoot48
Tue Jan 17, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 323
Views: 121273

Re: Retiree Portfolio Model

The reports I find most useful in ORP are the asset balance report, and income by federal tax bracket. The asset balance report could be simplified and aggregated into a net worth report. Versions of these are created within your spreadsheet, but to me seem less intuitive than the ORP reports. Food...
by BigFoot48
Mon Jan 16, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 323
Views: 121273

Re: Retiree Portfolio Model

I found one more issue, again not sure if this is my problem... I decided to download the latest version. Did that, but then saved it as an xlsm file in Excel 2010. When I then tried to run the "clear" macro on that, I got an error: Oops, sorry about that! When I fixed the label for the Q...
by BigFoot48
Mon Jan 16, 2017 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 323
Views: 121273

Re: Retiree Portfolio Model

Am I doing something incorrectly, or is this something that isn't modeled by just the inputs on the setup page? In that case, I presume I could model it manually by changing the results on the full/base case pages explicitly? Thanks! While there's likely some situations the model can't handle, I be...
by BigFoot48
Sun Jan 15, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Setting Withdrawals from Converted Roth in Retiree Portfolio Model
Replies: 2
Views: 301

Re: Setting Withdrawals from Converted Roth in Retiree Portfolio Model

Withdrawals are entered in "Section 10. Special: Roth Conversions" in either of two ways: calculated or yearly entered. In the Example data there is in the calculated option a withdrawal amount of $10,000 set for starting at age 75 and ending at 76, with a 50% yearly escalation. In the ent...
by BigFoot48
Sun Jan 15, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: ROTH conversion calculator to minimize RMDs?
Replies: 18
Views: 2006

Re: ROTH conversion calculator to minimize RMDs?

My options: 1. Keep paying $0 in taxes for the next 6 years, keep converting around $20,000/yr to Roth, and then be hit with the RMDs. 2. Start converting to Roth up to the 10% or 15% max tax bracket, hoping this will minimize the RMDs. Will Bigfoot's Retiree Portfolio Manager give me the best answ...
by BigFoot48
Sat Jan 14, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax 2016 purchase source
Replies: 91
Views: 13876

Re: Turbo Tax 2016 purchase source

rgs92 wrote:I'm not sure why anyone would need software on a CD these days.

That's the only way Costco, for example, sells it. Less a "need" than a "take-it-or-leave-it" thing.
by BigFoot48
Fri Jan 13, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: ROTH conversion calculator to minimize RMDs?
Replies: 18
Views: 2006

Re: ROTH conversion calculator to minimize RMDs?

Is there a calculator that given the individual's age (less than 70 and 1/2), amount of tax-deferred balance, tax-filing status, current tax rate, and projected growth of tax-deferred balance, will give you a suggested Roth conversion amount per year, up to 70 and 1/2? Thank you. The Retiree Portfo...
by BigFoot48
Fri Jan 13, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 323
Views: 121273

Re: Retiree Portfolio Model

I have a question about the exemption amount displayed under the Federal Taxable Income calculations. Despite setting filing status to "married", the line item for exemptions and deductions seems to include an amount based on a single exemption (4050). Thanks! I do see this occur when the...
by BigFoot48
Thu Jan 12, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 323
Views: 121273

Re: Retiree Portfolio Model

I just tried the second fix - no issues. Thanks! Great! The 17.0 and 17.0xb models have been updated with fixed macro name. Anyone using Excel 2007 and newer may want to upgrade to avoid this Excel warning message: "The name, QCD1, either conflicts with a valid range reference or is invalid fo...
by BigFoot48
Wed Jan 11, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 323
Views: 121273

Re: Retiree Portfolio Model

So working through the first time and finding this a great since I can see what is being done . In testing the 17v "fix", there is still a substitution being done by Excel for QCD1 when saved to enable macros in Excel 2013. A "find" for QCD1, for the whole worksheet shows that t...
by BigFoot48
Wed Jan 11, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 323
Views: 121273

Re: Retiree Portfolio Model

jkrm wrote:I am using Excel 2010 and saved the workbook as a .xlsm file, in case that might be the problem.

Please download this fixed version and see if you still get that error. Thanks. See below.
by BigFoot48
Wed Jan 11, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Are $50 drugstore and supermarket "drones" any fun?
Replies: 18
Views: 2540

Re: Are $50 drugstore and supermarket "drones" any fun?

I saw a sign on a neighborhood group-mailbox the other day asking if anyone had seen the drone the person had gotten for Christmas. I think one with an auto-return feature might be a good idea.
by BigFoot48
Tue Jan 10, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 323
Views: 121273

Re: Retiree Portfolio Model

I just downloaded and started to use version 17. Excel keeps popping up a box with this message: "The name, QCD1, either conflicts with a valid range reference or is invalid for Excel. The name has been replaced with _QCD1." There is a second sentence about updating manually any reference...