Search found 2485 matches

by BigFoot48
Thu Dec 14, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 24
Views: 3411

Re: TurboTax Prices

I got a CD in the mail yesterday from H&R Block containing their free Deluxe version. I tried H&R a couple of years ago, along with Tax Act, and just keep returning to TurboTax. I do wish these competing low prices would influence TurboTax's but have concluded it really doesn't matter in the scheme ...
by BigFoot48
Sat Dec 09, 2017 12:32 am
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 80
Views: 4264

Re: Moto G5 Plus: Software updates?

I like the fingerprint reader on the 5G+, except Schwab won't let me use it with their app because I use the two-factor authentication fob. And I inadvertently shut off notifications for the phone and couldn't answer calls until I googled it and found what I did. Otherwise, love the phone.
by BigFoot48
Fri Dec 08, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 338
Views: 130858

Re: Retiree Portfolio Model

What would be your recommendation with regard to looking at Roth conversion scenarios with RPM? My recommendation is to set asset allocation and estimated returns in each account to what the user actually holds and expects in them. I think that will result is a better forecast doing conversions as ...
by BigFoot48
Fri Dec 08, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Roth conversions: how far should I go in 2017?
Replies: 15
Views: 1308

Re: Roth conversions: how far should I go in 2017?

Here is my problem. Between my tradional IRA (tIRA) and t401K, I still have 43% of the goods in tax deferred assets, and only 9% of my portfolio is in Roth accounts. Projecting RMDs and tax brackets using 4% portfolio growth and 2% inflation, it looks like I'll spend my RMD years in the 28% bracket...
by BigFoot48
Thu Nov 30, 2017 4:14 pm
Forum: Investing - Theory, News & General
Topic: What can we learn from BitCoin’s surge?
Replies: 37
Views: 3147

Re: What can we learn from BitCoin’s surge?

At least a person in olden days could hold a tulip bulb in their hand!
by BigFoot48
Sat Nov 25, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 9238

Re: Regrets for taking SS at 62 or waiting?

No regrets. DW and I both took ours at 62 and used it for living expenses instead of pulling money from our investments during some of the worst times to do that. Our situation may have been similar. After retiring and living solely off of our investments for 8 years we decided to both take at 62 i...
by BigFoot48
Wed Nov 22, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 338
Views: 130858

Re: Retiree Portfolio Model

Hi BigFoot, If my FRA age is 67, should the formula in cell R93 = R$9 8 *$U93? Possibly, and I will check it out! However, that is a calculator to test benefits and is not used to calculate benefits for the model. The actual model calculator is in the normally hidden area AB98 to AH116 and appears ...
by BigFoot48
Mon Nov 20, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 75
Views: 10127

Re: Water Heater Install $1,800!

There's a company in Tucson, "Just Water Heaters", that has a big ad on the side of their vans offering a $599 install of an A. O. Smith electric 40 gal tank, including permit. http://justwaterheaterstucson.com/ We paid two plumbers, who I happened to see at a neighbors, $670 for an electric 50 gal ...
by BigFoot48
Sun Nov 12, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Windows 10 System image on USB flash drive
Replies: 27
Views: 1760

Re: Windows 10 System image on USB flash drive

Bigfoot..can you explain what needs to be done using AOEMI? I downloaded the program, clicked on back up>system backup and there were 2 options to back up, so I did both to external hard drive. Do I now need to create a bootable recovery disk under utilities? My goal is to be able to get back into ...
by BigFoot48
Sun Nov 12, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Windows 10 System image on USB flash drive
Replies: 27
Views: 1760

Re: Windows 10 System image on USB flash drive

Thank. Looks like a Recovery flash drive is not what I was looking for. I want to take a snapshot of the currently installed system that can then be re-installed after something "bad" happens and, perhaps, the system won't even boot. I don't want to restore it back to the day I got it, although tha...
by BigFoot48
Sat Nov 11, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Windows 10 System image on USB flash drive
Replies: 27
Views: 1760

Re: Windows 10 System image on USB flash drive

I actually bricked my mother-in-laws HP desktop recently following a Microsoft recommended procedure for getting a USB port working, that resulted in making no USB ports work. You know, the ones that run the keyboard and mouse. Fortunately a year earlier I had backed up her operating system files us...
by BigFoot48
Sat Nov 11, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 3590

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

I'm another Costco Moto 5G Plus recent buyer (at $215, not the outstanding current $170) and like it very much. As a long term Tracfone user I don't need to buy minutes anymore thanks to rollover, just service days and now GBs of data - always less that $100 a year.
by BigFoot48
Wed Nov 08, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 338
Views: 130858

Re: Retiree Portfolio Model - Is this a bug?

Thanks for responding and taking care of this so quickly! Again, thank you for developing Retiree Portfolio Model . As a recent retiree, it is the perfect tool for me right now as I evaluate various alternatives going forward. I can only imagine the hundreds of hours you have invested in it. Thanks...
by BigFoot48
Wed Nov 08, 2017 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 338
Views: 130858

Re: Retiree Portfolio Model - Is this a bug?

How do I report this? You just have. I'll check it out. The rate change feature appears to be working as designed. The rates being controlled are in lines 22-25 and entering a zero or blank will keep the default rates in use. However, it does appear the tax-exempt calculation may not be working pro...
by BigFoot48
Tue Oct 10, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 106
Views: 20166

Re: Growing old without kids or younger caring relatives

stimulacra wrote:
Tue Oct 10, 2017 12:42 pm
Saw this article on The New Yorker about professional guardians who systemically strip the elderly of their civil rights and assets.
That is the article that lead me to revive this thread. I sent it to all my aging friends and it certainly got their attention!
by BigFoot48
Fri Oct 06, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 106
Views: 20166

Re: Growing old without kids or younger caring relatives

I'm reviving this old thread because it's one of the best on this topic, although there has been a number of similar discussions over the years. My DW and I have been discussing this of late and trying to develop a strategy. The need for this came into sharp focus this week with this horror-story ar...
by BigFoot48
Mon Oct 02, 2017 1:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Retirement Class of 1998 (Sheepdog's Experience)
Replies: 45
Views: 4546

Re: Retirement Class of 1998 (Sheepdog's Experience)

Wonderful summary of retirement success Sheepdog! I too am a member of the Class of 1998, not finding Vanguard Diehards until 2001 but that good luck has made ALL THE DIFFERENCE! My eternal thanks is to Taylor Larimore for his wise advice and to all the Bogleheads over the years that have put the ic...
by BigFoot48
Fri Sep 29, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 52
Views: 7271

Re: Innovis and ChexSystems freeze confirmation letters

Did a freeze with all five agencies on Sept 15 for self and spouse. Received letters from Innovis for both of us yesterday confirming freeze was done. Letters included 10-digit PIN.
by BigFoot48
Tue Sep 26, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: BH phone review: Moto G5 Plus
Replies: 35
Views: 3180

Re: BH phone review: Moto G5 Plus

I bought my last Tracfone at Amazon, and while that turned out fine, I purposely bought this one at Costco for the return advantage. Tracfone's BYOP (bring your own phone) program is new to me and I want to be able to easily return it should the setup go astray!
by BigFoot48
Tue Sep 26, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: BH phone review: Moto G5 Plus
Replies: 35
Views: 3180

Re: BH phone review: Moto G5 Plus

Based on this thread and other reviews I bought the G5 at Costco today. As I use Tracfone and my 3-year old LG41 smartphone doesn't have a sim chip, I had to order a 3-size blank sim from Amazon for $1. When that arrives in 2 days I'll have to buy some starter minutes from Tracfone, activate the pho...
by BigFoot48
Sat Sep 16, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 338
Views: 130858

Re: Retiree Portfolio Model

minor issues in saving the model: What version of Excel are you using? This is a false error that Excel sometimes exhibits (other Excel users have reported it on their spreadsheets as a Google search reveals). The validation rules for all those cells listed refer to other cells within the same work...
by BigFoot48
Fri Sep 15, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 338
Views: 130858

Re: Retiree Portfolio Model

Sidneyinplanning: The model is generally designed for retirees, with a provision for including additional working income in the early years. Entered IRA/401k amounts are assumed to be the balance in the starting year, but for your situation I would set the starting amount such that, including the ca...
by BigFoot48
Fri Sep 08, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 52056

Re: Equifax customer information leak

I'm glad my Schwab accounts, including checking, are behind a fob.

Here's a step-by-step on freezing credit that looks informative: https://krebsonsecurity.com/2015/06/how ... ty-freeze/
by BigFoot48
Fri Sep 08, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 52056

Re: Equifax customer information leak

Equifax gave me this message just now when I entered my 6-digit SS number. I'm leaning toward just freezing my credit (and my MIL''s) rather than using the 1-year service, but will await the BH consensus recommendation. "Thank You Based on the information provided, we believe that your personal info...
by BigFoot48
Mon Sep 04, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Coyote Defense
Replies: 69
Views: 5617

Re: Coyote Defense

I have a picture of a coyote standing on top of our 6' backyard wall. They are all over the area where we are in outskirts of Tucson, and are usually quite wary of humans. The one exception was a time we were walking a golf course in Sun City West, Arizona at dusk and there was a large group of coyo...
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: 3281

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: 8258

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: 98
Views: 7127

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

This is an interesting map showing the chance of clouds along the path: http://www.al.com/news/index.ssf/2017/06/solar_eclipse_2017_what_are_th.html 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 tota...
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: 1868

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: 1303

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 Postimage and ...
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: 1303

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: 1303

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 multiple graphics they ...
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: 1868

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: 338
Views: 130858

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: 338
Views: 130858

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 uploaded it. Cells O13...
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: 12390

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: 338
Views: 130858

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 "Genera...
by BigFoot48
Wed Jun 07, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 338
Views: 130858

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 are taxed at the single rate. I ...
by BigFoot48
Tue Jun 06, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 338
Views: 130858

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: 1064

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: 1064

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: 338
Views: 130858

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: 338
Views: 130858

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: 1056

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: 1056

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? The R...
by BigFoot48
Thu Apr 20, 2017 1:47 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 44467

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 to be abl...
by BigFoot48
Thu Apr 20, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 338
Views: 130858

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: 338
Views: 130858

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: 2211

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: 2211

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-...