Search found 78 matches

by stvyreb
Sat Mar 09, 2019 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 641
Views: 196374

Re: Retiree Portfolio Model

Don't know, but Mr.Bongleur seemed to be saying his career was with manuals FWIW. I seem to have all the data in the right places, however, the vocabulary is sufficiently opaque that I'm doubting it could be meaningfully used, in my case, I went over and plugged things into the i-ORP , it seems to h...
by stvyreb
Tue Feb 05, 2019 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 641
Views: 196374

Re: Retiree Portfolio Model

so, if there isn't enough taxable income generated, to cover the choice of expenses/year, then (even for a 55 year old), the model is going to pull money from the traditional IRA 1st ? ; I can't quite follow, what "negative balances" is being referred to, or what is the goal ? I would think that re...
by stvyreb
Tue Feb 05, 2019 3:11 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 641
Views: 196374

Re: Retiree Portfolio Model

However, I can't follow the language eg what are the "manual withdrawals entered" ? It seems to be saying that it is going to take extra IRA withdrawals (beyond my RMDs) to cover inadequate taxable Earnings from growth, dividends and interest ? In my case I have only Inherited IRA RMDs and don't pl...
by stvyreb
Mon Feb 04, 2019 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 641
Views: 196374

Re: Retiree Portfolio Model

1) If you are taking the savings bond interest as a lump when you redeem the bonds, do this: Enter the principle as Tax Exempt on the SETUP sheet. Then go to the DETAILS sheet, and enter the taxable interest payment on line 179 under whatever year(s) you plan for them to occur. The interest would s...
by stvyreb
Sun Feb 03, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 641
Views: 196374

Re: Retiree Portfolio Model

I seem to have entered what I know, where it should go ...... but, it is interesting if I enter $55,000 for expenses my models goes "negative" in 3 years. However, if I enter $50,000 it will last for 40 years ......... somehow that doesn't seem that it could be accurate ? or perhaps I've set the mo...
by stvyreb
Sun Feb 03, 2019 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 641
Views: 196374

Re: Retiree Portfolio Model

I seem to have entered what I know, where it should go ...... but, it is interesting if I enter $55,000 for expenses my models goes "negative" in 3 years. However, if I enter $50,000 it will last for 40 years ......... somehow that doesn't seem that it could be accurate ? or perhaps I've set the mod...
by stvyreb
Sat Feb 02, 2019 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 641
Views: 196374

Re: Retiree Portfolio Model

1) If you are taking the savings bond interest as a lump when you redeem the bonds, do this: Enter the principle as Tax Exempt on the SETUP sheet. Then go to the DETAILS sheet, and enter the taxable interest payment on line 179 under whatever year(s) you plan for them to occur. The interest would s...
by stvyreb
Thu Jan 31, 2019 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 641
Views: 196374

Re: Retiree Portfolio Model

I've also got various EE and I bonds that have deferred interest and come due at various times, which seem to have no spot and I have ACA subsidies ..... sigh You do not input individual securities like your EE and I bonds. You input categories...Cash, Bonds, Stocks. Your savings bonds would be cas...
by stvyreb
Wed Jan 23, 2019 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 641
Views: 196374

Re: Retiree Portfolio Model

I checked all the versions of Windows spreadsheet programs and here's the current status, in order of best to worse cell comment etc. viewing. Viewing of these comments is critical to using the program the first time. Excel 2003-2016 - best program. If using 2003 the 2007 format xlsm will open and ...
by stvyreb
Mon Jan 21, 2019 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 641
Views: 196374

Re: Retiree Portfolio Model

These are excellent suggestions and the solution to his primary problem. The life expectancy table is indeed the source of the errors. There is an alternative table which can be selected, which starts at age 50, but no obvious instruction to notify users of this option. When selected the error goes...
by stvyreb
Fri Jan 18, 2019 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 641
Views: 196374

Re: Retiree Portfolio Model

I started receiving IIRA RMDs a few years ago, so I believe you, BF said, there is no capacity to input past events so what should I do in my case ? For my IIRA, I entered the current value as though I inherited it this year. Then set RMDs to start next year. It is not exact, but close enough for p...
by stvyreb
Thu Jan 17, 2019 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 641
Views: 196374

Re: Retiree Portfolio Model

The issue with the IIRAs is in Setup-> 1 -> Inherited IRA at age "53"(from section 7) ; if I enter age 54 -59 I get an error message at the bottom of "modeling options" complaining about negative balances, I go to look at "Summary tab" and account balances stop at age 54 If I enter "60" then the Sum...
by stvyreb
Wed Jan 16, 2019 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 641
Views: 196374

Re: Retiree Portfolio Model

Hello, thx for the RPM SS, however, I find it rather complex how to start or if it is even intended for an early retiree? eg I am in my mid 50s, I have 2 parents IIRA RMDs every year, in Summary Section 1 it says "Inherited IRA at age 77" then the blue box I have entered 55 my age , It looks like t...
by stvyreb
Wed Jan 16, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 641
Views: 196374

Re: Retiree Portfolio Model

I am getting various negative amount errors, but don't see what is causing it, nor what it's even referenced is "negative" sigh Alert! Portfolio has negative beginning yr balances in one or more accounts for 38 years Alert! Base case has negative balances for 38 years On your Setup tab, look toward...
by stvyreb
Wed Jan 16, 2019 12:31 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 641
Views: 196374

Re: Retiree Portfolio Model

are you aware of anyone I might hire/consult with that uses this tool I am afraid the 'cell comments' on the summary page, are not allowing me to decypher all of what should go where for my situation, have you ever considered maybe a youtube tutorial of some sort ? I can enter some of the informatio...
by stvyreb
Tue Jan 15, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 641
Views: 196374

Re: Retiree Portfolio Model

Hello, thx for the RPM SS, however, I find it rather complex how to start or if it is even intended for an early retiree? eg I am in my mid 50s, I have 2 parents IIRA RMDs every year, in Summary Section 1 it says "Inherited IRA at age 77" then the blue box I have entered 55 my age , It looks like th...
by stvyreb
Wed Jan 09, 2019 5:12 pm
Forum: Personal Investments
Topic: Roth 401a/k to Roth IRA , 403b to VG Rollover IRA questions
Replies: 8
Views: 282

Re: Roth 401a/k to Roth IRA , 403b to VG Rollover IRA questions

It sounds as if you've made up your mind to transfer things, but I'll give my story nonetheless: Upon retirement, my spouse transfer everything from a 401(a) and 403(b) to a Vanguard traditional IRA. (There were no Roth holdings.) If I remember right, the 401(a) had a slightly higher guaranteed ret...
by stvyreb
Wed Jan 09, 2019 3:31 pm
Forum: Personal Investments
Topic: Roth 401a/k to Roth IRA , 403b to VG Rollover IRA questions
Replies: 8
Views: 282

Re: Roth 401a/k to Roth IRA , 403b to VG Rollover IRA questions

1) So, 1st issue is when I go to initiate a Employer Roth IRA rollover I am being told that about 2/3 of the amount is "taxable" ...... is that correct ? This is a guess. It seems incorrect that your Roth 403 account is 2/3 taxable. It is possible that your 403b as a whole is 2/3 taxable. It may be...
by stvyreb
Wed Jan 09, 2019 2:38 pm
Forum: Personal Investments
Topic: Roth 401a/k to Roth IRA , 403b to VG Rollover IRA questions
Replies: 8
Views: 282

Re: Roth 401a/k to Roth IRA , 403b to VG Rollover IRA questions

I wasn't aware at VG that accounts could be combined after setup. I recently opened another VG IRA and was told all new accounts are "brokerages" only, while all my old accounts were just regular accounts. So sort of assuming I couldn't combine the two, unless the old one were somehow converted to b...
by stvyreb
Tue Jan 08, 2019 5:19 pm
Forum: Personal Investments
Topic: Roth 401a/k to Roth IRA , 403b to VG Rollover IRA questions
Replies: 8
Views: 282

Re: Roth 401a/k to Roth IRA , 403b to VG Rollover IRA questions

1) So, 1st issue is when I go to initiate a Employer Roth IRA rollover I am being told that about 2/3 of the amount is "taxable" ...... is that correct ? This is a guess. On my employer's website the term 401k is being used for the Roth, however the balance is listed beneath the 403b section I'm no...
by stvyreb
Tue Jan 08, 2019 4:11 pm
Forum: Personal Investments
Topic: Roth 401a/k to Roth IRA , 403b to VG Rollover IRA questions
Replies: 8
Views: 282

Roth 401a/k to Roth IRA , 403b to VG Rollover IRA questions

Hello, I recently separated from a long time employer, I am 50 something. I am aware there are a few small advantages to keep some assets at my employers plan , eg their stable value plan and shelter from unknown future bankruptcy etc. However, I think the goal of simplication of moving everything o...
by stvyreb
Tue Jan 01, 2019 1:09 am
Forum: Personal Investments
Topic: Asset allocation for almost 44 year old
Replies: 13
Views: 1718

Re: Asset allocation for almost 44 year old

I think it depends on your proximity to the "magic number", bit older than you .... from an CPA father.

30(30 Intl)/70(including 20 savings bonds)

hoping to survive inflation and Sequence of Returns risk
by stvyreb
Tue Jan 01, 2019 1:04 am
Forum: Personal Consumer Issues
Topic: Must sees in Kauai.
Replies: 39
Views: 2424

Re: Must sees in Kauai.

there is that book about "revealed" kauai or such. I guess much depends on your values as a traveller, I am a resident of the state, and did spring for the doors off pali coast flyby, which was impressive, but at $250/hour at that time, and apparently similar costs for NYC helicopter tours, I can't ...
by stvyreb
Mon Aug 27, 2018 2:44 am
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 111
Views: 19578

Re: The Fall of Consumer Reports

For my Dad CU was the gold standard. And for much of my adult life it was for me too. It has been sad to see its slow decline which has mystified me, given the rep it had. A few years ago I was sent these cheesy "raffle tickets" from them that I had to opt-out of. Then they suddenly switched their ...
by stvyreb
Sun Aug 26, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 8123

Re: I still use cash not credit cards should I reconsider?

1) using cash make your expenses visible IMO, it's not just a number on a register 2) more and more, all your purchases are being collated by Big Brother .... which is the long-run is not something you want, and should try to mitigate. 3) I use one card, with a cash back feature, for purchases > $40...
by stvyreb
Sat Aug 18, 2018 4:37 pm
Forum: Personal Investments
Topic: Total Stock and Total Bond Market(s) at Vanguard
Replies: 29
Views: 4912

Re: Total Stock and Total Bond Market(s) at Vanguard

I am wondering if there are others who are using VG TBM or IT Index (in both taxable and tax-deferred accounts) whom include other shorter term Index funds to try to acheive an overall duration of less than 5 years as per Mr. Bernstein's books: Well, I have a bond index fund in the Megacorp 401(k) ...
by stvyreb
Fri Aug 17, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Time for new phone, Buy or Lease?
Replies: 30
Views: 2198

Re: Time for new phone, Buy or Lease?

I went with Moto X4 through Project Fi. I think it was $240 with free financing which I took advantage of. Very happy so far; big upgrade from my Verizon Samsung S4 which I had for about 4 years. yeah, midlevel, MotoX4 MintSimmobile.com $20/mo no-contract US system in ridiculous , unless you must h...
by stvyreb
Thu Aug 16, 2018 2:56 pm
Forum: Personal Investments
Topic: Total Stock and Total Bond Market(s) at Vanguard
Replies: 29
Views: 4912

Re: Total Stock and Total Bond Market(s) at Vanguard

I know this is a question without 1 answer, however I can't help noticing that the corporate portion: https://investor.vanguard.com/mutual-funds/profile/VBILX 40/50% is A quality and below ; is that a concern? Is there an index that is just higher quality ? Aa and above ? or is this just going to be...
by stvyreb
Thu Aug 16, 2018 2:30 pm
Forum: Personal Investments
Topic: Total Stock and Total Bond Market(s) at Vanguard
Replies: 29
Views: 4912

Re: Total Stock and Total Bond Market(s) at Vanguard

I am wondering if there are others who are using VG TBM or IT Index (in both taxable and tax-deferred accounts) whom include other shorter term Index funds to try to acheive an overall duration of less than 5 years as per Mr. Bernstein's books: http://www.efficientfrontier.com/ef/997/maturity.htm
by stvyreb
Tue Aug 14, 2018 6:24 pm
Forum: Investing - Theory, News & General
Topic: Swedroe's guidelines to Bonds
Replies: 137
Views: 15590

Re: Swedroe's guidelines to Bonds

Or I could tilt the whole thing towards treasuries, despite their losing to inflation Why do you think that treasuries will "lose to inflation?" :confused If I'm reading it correctly, Treasury Funds for 3 years are negative (but I am a rookie, I don't even know if the numbers include the coupon or ...
by stvyreb
Tue Aug 14, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: Swedroe's guidelines to Bonds
Replies: 137
Views: 15590

Re: Swedroe's guidelines to Bonds

Or I could tilt the whole thing towards treasuries, despite their losing to inflation Why do you think that treasuries will "lose to inflation?" :confused If I'm reading it correctly, Treasury Funds for 3 years are negative (but I am a rookie, I don't even know if the numbers include the coupon or ...
by stvyreb
Mon Aug 13, 2018 5:45 pm
Forum: Investing - Theory, News & General
Topic: Swedroe's guidelines to Bonds
Replies: 137
Views: 15590

Re: Swedroe's guidelines to Bonds

thanks but my investment horizon /"when I need the money" is unknown I've noticed the IT VG Index duration has creep up to 7.2 years ; I'm looking at having both my tax-deferred and taxable bond portfolio sensical overall, and simple enough I can manage without chasing basis points, on things I don'...
by stvyreb
Mon Aug 13, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Swedroe's guidelines to Bonds
Replies: 137
Views: 15590

Re: Swedroe's guidelines to Bonds

lol......looks like my revival of last year's thread led to some discussion, though much of it, seems to not fit my world. eg I'm not ready to go all treasuries in my IRA accounts, and don't want to hassle with brokerage CDs , which I'll probably barely understand. maybe I can simplify my question:...
by stvyreb
Sun Aug 12, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: Swedroe's guidelines to Bonds
Replies: 137
Views: 15590

Re: Swedroe's guidelines to Bonds

simple Just to add that should use CDs instead of Treasuries when you have access to them, unless spread in yields very thin Larry I always have trouble understanding how to manage Bonds, as I'm not a math genius, so have ended up just owning VG IT Index for everything, however I've noticed the dur...
by stvyreb
Thu Jul 26, 2018 8:56 pm
Forum: Personal Investments
Topic: TLH VG ITB fund ex-dividends date
Replies: 8
Views: 388

Re: TLH VG ITB fund ex-dividends date

sounds like in essence pro-ration, and not to worry

interesting, something I didn't know was happening, thxagain
by stvyreb
Thu Jul 26, 2018 8:22 pm
Forum: Personal Investments
Topic: TLH VG ITB fund ex-dividends date
Replies: 8
Views: 388

Re: TLH VG ITB fund ex-dividends date

well, I meant it more in the context of : if dividends are paid out on Aug1 and I buy the fund Aug2 , I'm not missing the dividend pay out because it's prorated for how long the fund has been held? but, while this is the case for these funds, it is Not the case for other funds like the one you refer...
by stvyreb
Thu Jul 26, 2018 6:32 pm
Forum: Personal Investments
Topic: TLH VG ITB fund ex-dividends date
Replies: 8
Views: 388

Re: TLH VG ITB fund ex-dividends date

ty, and there is no particular reason to buy back the funds in 31 days, vs 33 or 34 ? like missing dividends , if they are Not pricing in ?
by stvyreb
Thu Jul 26, 2018 5:52 pm
Forum: Personal Investments
Topic: TLH VG ITB fund ex-dividends date
Replies: 8
Views: 388

Re: TLH VG ITB fund ex-dividends date

What is the ticker symbol? VBILX VBIRX Why two checks? One for what you sold? And one for the pro-rated dividends that had accrued? Or did you have this fund in two different accounts? Not sure why, I assume it was some proration, not sure why they had to be paper, and weren't instead directed to t...
by stvyreb
Thu Jul 26, 2018 4:45 pm
Forum: Personal Investments
Topic: TLH VG ITB fund ex-dividends date
Replies: 8
Views: 388

TLH VG ITB fund ex-dividends date

Hello, I had some large losses in my VG ITB fund, and decided to harvest last month, I sold it all and am waiting 30 days to buy back (I know there used to be workarounds for the waiting, but I don't mind) I then got two small paper checks in the mail from VG, and I started to think maybe I should h...
by stvyreb
Mon Jul 02, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Step to revoke RLT ; / define 'extensive changes' Trust
Replies: 7
Views: 559

Re: Step to revoke RLT ; / define 'extensive changes' Trust

Hello, so trying to be proactive in my 50s, I created a RLT mostly on my own, which included using VNTC as the successor(sp); and a "child's subtrust" for my nephew till age 35, (boy is currently 15yo). Part 1: I am no longer confident in having VNTC as the successor, though I could leave the child...
by stvyreb
Mon Jul 02, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Step to revoke RLT ; / define 'extensive changes' Trust
Replies: 7
Views: 559

Re: Step to revoke RLT ; / define 'extensive changes' Trust

I'm a little confused too, but you appear to wish to revoke the trust or to amend it. You can certainly do either. You can also remove all assets from it which would nullify the trust but be sure you don't have a will pouring over to that trust if you don't want to keep it. Why have you lost confid...
by stvyreb
Fri Jun 29, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Step to revoke RLT ; / define 'extensive changes' Trust
Replies: 7
Views: 559

Step to revoke RLT ; / define 'extensive changes' Trust

Hello, so trying to be proactive in my 50s , I created a RLT mostly on my own, which included using VNTC as the successor(sp) ; and a "child's subtrust" for my nephew till age 35, (boy is currently 15yo). Part 1: I am no longer confident in having VNTC as the successor, though I could leave the chil...
by stvyreb
Tue Jun 12, 2018 3:22 pm
Forum: Personal Investments
Topic: Sell Bond Fund in Taxable for Loss?
Replies: 15
Views: 1502

Re: Sell Bond Fund in Taxable for Loss?

If I sell, I realize the loss but I can claim the capital loss and get my portfolio to where I think it needs to be per my IPS and make it more tax efficient (but HOW much more tax efficient I don't know). I'm a bit baffled. Do you consider realizing losses bad? The loss exists regardless of whethe...
by stvyreb
Mon May 28, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: Can anyone recommend Any Social Responsible fund/s?
Replies: 17
Views: 1673

Can anyone recommend Any Social Responsible fund/s?

I am curious if VG has ever considered starting one, forgetting all the arguments about how investing isn't the place for making policy changes. With all my other purchases and life choices I attempt to find spend ethically, I might like to do it with my equity and bond index funds as well, if there...
by stvyreb
Fri May 18, 2018 2:18 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 90
Views: 19270

Re: Why is Vanguard switching all accounts to brokerage accounts?

you know, I just messaged with my VG rep, he says he is "not aware" of any forced upcoming switch of "all accounts to brokerages" for the record. seems like the premise of this whole thread is mute? or what susze said there, maybe in the future more caution or some reference in a post like this you ...
by stvyreb
Fri May 04, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Revocable living trust via online software
Replies: 14
Views: 2809

Re: Revocable living trust via online software

I have a trust written by an estate attorney, and I've read a number of other trusts written by estate attorneys (my wife's, my dad's, my mom's, my step-mother's, a friend's); they are all largely boilerplate. Like I said, I've drafted a couple of trusts for family members using the NOLO press book...
by stvyreb
Tue Mar 06, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: 2011, 12, 13 forgot to deduct very large deferred SavBond INT on State Tax Return ..
Replies: 2
Views: 580

Re: 2011, 12, 13 forgot to deduct very large deferred SavBond INT on State Tax Return ..

I'm curious if you have a reference ? I did find this : https://www.ftb.ca.gov/Archive/Professionals/Taxnews/2010/July/Article_4.shtml What is the general SOL for a taxpayer to claim a refund or credit? R&TC Section 19306 specifies that a claim for refund or credit must be filed no later than (a) fo...
by stvyreb
Mon Mar 05, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: 2011, 12, 13 forgot to deduct very large deferred SavBond INT on State Tax Return ..
Replies: 2
Views: 580

2011, 12, 13 forgot to deduct very large deferred SavBond INT on State Tax Return ..

2011, 12, 13 forgot to deduct very large deferred SavBond INT on State Tax Return .. friend of mine, forgot to do the above, his CPA is telling him the statue of limitations is gone to amend, is there anything last ditch that might be done to recoop a very large non deduction of federal deferred sty...
by stvyreb
Mon Jan 29, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Wait or Amend error on AGI 1040 for State? CP2000 CP3219A
Replies: 1
Views: 178

Wait or Amend error on AGI 1040 for State? CP2000 CP3219A

Hello, I have decided to pay the IRS about $1200 for Tax year 2015, turbotax uses the AGI to 'flow over' to the State Tax form . Inputting the increase of AGI , it appears to increase my State Tax by about $200 ; 1) do I go ahead and amend my State Tax Form and pay it now ; or just wait for them to ...
by stvyreb
Fri Jan 26, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Amend State Tax or wait, after agree'ing to a Federal amount due notice?
Replies: 0
Views: 176

Amend State Tax or wait, after agree'ing to a Federal amount due notice?

My state says I have 2 years to amend a return , does that typically mean , before penalty would start if an error is found? I think I'm going to go ahead and pay the IRS a deficiency, but Should I expect after doing this, that my state will THEN send me a similar deficiency, after I agree, I have a...