It came via email. At first I thought it was a phishing email, with embedded links and all.
Search found 39 matches
- Fri Feb 07, 2025 10:26 am
- Forum: Personal Finance (Not Investing)
- Topic: Thoughts About Blue Cross Blue Shield Settlement - Class Action Antitrust Lawsuit
- Replies: 108
- Views: 35299
Re: Thoughts About Blue Cross Blue Shield Settlement - Class Action Antitrust Lawsuit
- Fri Feb 07, 2025 7:52 am
- Forum: Personal Finance (Not Investing)
- Topic: Thoughts About Blue Cross Blue Shield Settlement - Class Action Antitrust Lawsuit
- Replies: 108
- Views: 35299
Re: Thoughts About Blue Cross Blue Shield Settlement - Class Action Antitrust Lawsuit
snic wrote: Sun Feb 02, 2025 11:30 am You can enter your claim number (search your old emails for "blue cross settlement", assuming you submitted the claim online) here to find the status: https://secure.bcbssettlement.com/claimstatus
My claims say "in review".
mine showed "in review' also. But then I went to https://secure.bcbssettlement.com/determination , plugged in my ID & PIN and got the amount and the debit card checkbox. Mine is about ~$250 based on the numbers shown
- Thu Feb 06, 2025 8:56 am
- Forum: Personal Investments
- Topic: Help consolidating assets
- Replies: 3
- Views: 331
Re: Help consolidating assets
why not just transfer assets 'in-kind' ?
- Tue Feb 04, 2025 7:26 am
- Forum: Personal Finance (Not Investing)
- Topic: Social Security Online Benefits Calculator Questions
- Replies: 5
- Views: 502
Re: Social Security Online Benefits Calculator Questions
you can use ssa.gov calculator (after signing into your account) and use $0 for future earnings. Results are current dollars, you'd have to assume a discount rate for future dollars.
I will point out that it is the highest 35 indexed wages. Some of my biggest contributors were the 1990's because of indexing, even though I had a high salary towards the end.
I will point out that it is the highest 35 indexed wages. Some of my biggest contributors were the 1990's because of indexing, even though I had a high salary towards the end.
- Fri Jan 31, 2025 9:18 am
- Forum: Personal Finance (Not Investing)
- Topic: financial planning tools for students in college
- Replies: 3
- Views: 208
Re: financial planning tools for students in college
I'd recommend TPAW planner, lifecycle focused. https://tpawplanner.com/learn
- Fri Jan 31, 2025 7:51 am
- Forum: Investing - Theory, News & General
- Topic: Taxpayers should consider whether strategically ‘accelerating’ their income—and paying tax on it—can reduce what they’ll
- Replies: 11
- Views: 2135
Re: Taxpayers should consider whether strategically ‘accelerating’ their income—and paying tax on it—can reduce what the
Boldin (formerly NewRetirement) gives lifetime tax estimates and impacts of modeling assumptions are visualized in real time.
[edit] you could also try RPM spreadsheet https://www.bogleheads.org/wiki/Retiree_Portfolio_Model
[edit] you could also try RPM spreadsheet https://www.bogleheads.org/wiki/Retiree_Portfolio_Model
- Thu Jan 30, 2025 10:52 am
- Forum: Personal Finance (Not Investing)
- Topic: Death of Florida resident; will drawn in another state
- Replies: 6
- Views: 1418
Re: Death of Florida resident; will drawn in another state
Sorry for your loss.
This should remind everyone to destroy old wills after completing a new one. My mom had two at the time she passed and caused some confusion in settling the estate...
This should remind everyone to destroy old wills after completing a new one. My mom had two at the time she passed and caused some confusion in settling the estate...
- Thu Jan 30, 2025 8:02 am
- Forum: Personal Investments
- Topic: Charting performance of portfolio
- Replies: 6
- Views: 1199
Re: Charting performance of portfolio
I can chart over 22 years, by year.
I can get monthly data over 22 years in a table, that can be exported in csv format
HTH
I can get monthly data over 22 years in a table, that can be exported in csv format
HTH
- Wed Jan 29, 2025 3:36 pm
- Forum: Personal Investments
- Topic: Long time reader, first time poster...Question on retirement
- Replies: 45
- Views: 6329
Re: Long time reader, first time poster...Question on retirement
Make sure they haven't extrapolated your current earnings into the future (that is the default when you first login).DaEagles wrote: Wed Jan 29, 2025 1:46 pm SS looks to be for me (not sure on wife but would think more then this as she makes 5 times what I do) -
62 - $1450
67 - $2000
70 - $2500
- Wed Jan 29, 2025 1:20 pm
- Forum: Personal Investments
- Topic: Long time reader, first time poster...Question on retirement
- Replies: 45
- Views: 6329
Re: Long time reader, first time poster...Question on retirement
get an account on https://ssa.govDaEagles wrote: Wed Jan 29, 2025 12:57 pm I am not sure how much we qualify for (no idea how to find out, used to get the estimate in the mail back in the day around birthday and don't get those anymore).
your estimate can be found online as well as earnings records. To estimate future benefits, put in $0 earnings for each year after you end having earned income. Benefits are based on the averaged highest 35 years, so a bunch of zeros impacts that.
- Tue Jan 28, 2025 4:04 pm
- Forum: Personal Finance (Not Investing)
- Topic: Structured withdrawals to minimize taxes in retirement
- Replies: 9
- Views: 1656
Re: Structured withdrawals to minimize taxes in retirement
I think that your post might belong under Personal Investments and I'm sure people will request more information (there is a template on that forum).
Holding a majority of taxable in one stock is risky, but diversifying will trigger cap gains, so must be done with a lot of planning.
Holding a majority of taxable in one stock is risky, but diversifying will trigger cap gains, so must be done with a lot of planning.
- Thu Jan 23, 2025 9:45 am
- Forum: Investing - Theory, News & General
- Topic: Relationship between geometric/compound and simple average returns
- Replies: 28
- Views: 2578
Re: Relationship between geometric/compound and simple average returns
I thought approximations were:
1. gm = sqrt(mean^2-sd^2) or
2. gm = mean-sd^2/2
gives about 7.6-7.7%
1. gm = sqrt(mean^2-sd^2) or
2. gm = mean-sd^2/2
gives about 7.6-7.7%
- Wed Jan 22, 2025 11:25 am
- Forum: Personal Investments
- Topic: Roth Conversion Strategy
- Replies: 36
- Views: 4857
Re: Roth Conversion Strategy
RMDs are moving to 75 depending on age, just another complication...Seann wrote: Wed Jan 22, 2025 11:12 am this tool enforces the restriction that you cannot start RMDs after 73
- Wed Jan 22, 2025 6:39 am
- Forum: Investing - Theory, News & General
- Topic: Total Portfolio Allocation and Withdrawal (TPAW)
- Replies: 1400
- Views: 368881
Re: Total Portfolio Allocation and Withdrawal (TPAW)
can you share a link?
- Tue Jan 21, 2025 12:50 pm
- Forum: Personal Investments
- Topic: success rate of a portfolio based on [Monte Carlo] simulation
- Replies: 20
- Views: 2322
Re: success rate of a portfolio based on [Monte Carlo] simulation
agree with vrr106, 500-1000 should be enough.
10,000 runs is probably giving a false sense of precision in the answer when there is probably limited precision in the input distributions
10,000 runs is probably giving a false sense of precision in the answer when there is probably limited precision in the input distributions
- Tue Jan 21, 2025 11:33 am
- Forum: Personal Finance (Not Investing)
- Topic: How to chart adding International Equity?
- Replies: 6
- Views: 564
Re: How to chart adding International Equity?
you can try testfol.io
- Tue Jan 21, 2025 10:32 am
- Forum: Personal Finance (Not Investing)
- Topic: Best practices - transferring money from individual spouse savings to other spouse checking
- Replies: 6
- Views: 557
Re: Best practices - transferring money from individual spouse savings to other spouse checking
We did it in 2 ACH transfers. In retrospect, it would have been easier to do it via wire transfer at once.
Side note: After paying off the mortgage, the bank started charging fees for everything with the checking account, because we no longer qualified as 'elite' customers. So, we left the bank after being > 20 year customer
Side note: After paying off the mortgage, the bank started charging fees for everything with the checking account, because we no longer qualified as 'elite' customers. So, we left the bank after being > 20 year customer
- Tue Jan 21, 2025 6:32 am
- Forum: Investing - Theory, News & General
- Topic: Total Portfolio Allocation and Withdrawal (TPAW)
- Replies: 1400
- Views: 368881
Re: Total Portfolio Allocation and Withdrawal (TPAW)
Actually, it's VT / BND not VTIRaspberry-503 wrote: Tue Jan 21, 2025 12:25 am I don't mind the assumption TPAW makes that we are invested in VTI/BND
- Mon Jan 20, 2025 8:28 am
- Forum: Personal Finance (Not Investing)
- Topic: Favorite financial tools?
- Replies: 24
- Views: 2828
- Fri Jan 17, 2025 1:35 pm
- Forum: Investing - Theory, News & General
- Topic: Total Portfolio Allocation and Withdrawal (TPAW)
- Replies: 1400
- Views: 368881
Re: Total Portfolio Allocation and Withdrawal (TPAW)
I have a few scenarios saved as well, but my baseline is very basic with just SS and legacy goal and a small preference for early spending. Even though we don't have a strong legacy motivation (no kids), I view it as a margin of safety along with home equity. I also have a 'hands-off' case where it mirrored my baseline case back in July and doesn't get updated (by me), it just applies the withrawals and VT/BND updates. I think of it as kind of a forward test like the VPW forward test thread.
I came to TPAW after looking into Big ERN, VPW, 4%, Boldin, and Fidelity tools. I have always used amortization to project cash flows in retirement accounts, so the TPAW approach resonated with me.
I am not withdrawing as much as it says because I'm ...
I came to TPAW after looking into Big ERN, VPW, 4%, Boldin, and Fidelity tools. I have always used amortization to project cash flows in retirement accounts, so the TPAW approach resonated with me.
I am not withdrawing as much as it says because I'm ...
- Thu Jan 16, 2025 1:41 pm
- Forum: Investing - Theory, News & General
- Topic: [Rational Reminder] Podcast: The Life Cycle Model vs Safe Withdrawal Rates
- Replies: 9
- Views: 1775
Re: Total Portfolio Allocation and Withdrawal (TPAW)
I enjoyed the discussion as well, always learning (or relearning) something new. I liked the discussion of how SWR methods defers risk until the end of the plan.
well done!
well done!
- Thu Jan 16, 2025 6:23 am
- Forum: Personal Investments
- Topic: Please help me get to the finish line: Retire in 2028?
- Replies: 26
- Views: 3951
Re: Please help me get to the finish line: Retire in 2028?
^dogagility wrote: Thu Jan 16, 2025 4:42 am You can use this tool to see how your financial situation might play out under different scenarios: tpawplanner.com
I recommend this as well
- Wed Jan 15, 2025 9:05 am
- Forum: Personal Investments
- Topic: Feedback on my current 401K allocation, HSA, and re-balancing my taxable account
- Replies: 23
- Views: 1333
Re: Feedback on my current 401K allocation, HSA, and re-balancing my taxable account
with regard to your HSA: if you can, pay any medical expenses out of pocket instead of using HSA funds (but save the receipts). Let the funds grow and compound. In the future, you can reimburse yourself - there is no time limit. I wish I had done that instead of thinking the fund had to be used in the short term.
- Wed Jan 15, 2025 8:54 am
- Forum: Personal Investments
- Topic: Please help me get to the finish line: Retire in 2028?
- Replies: 26
- Views: 3951
Re: Please help me get to the finish line: Retire in 2028?
I wouldn't sell until there was a need. I don't use mutual funds, so maybe it's less of a concern there. I guess you could sell at the beginning of the year to fund that year's expenses, then any reinvestment would, I assume, be at the end of the year - so no wash sale concerns.brian2013 wrote: Wed Jan 15, 2025 8:39 am thank you for the reply. Any suggestions on what action to take to avoid unintentional wash sales? Should I sell VTSAX in taxable and what would I replace it with?
- Wed Jan 15, 2025 8:22 am
- Forum: Personal Investments
- Topic: Please help me get to the finish line: Retire in 2028?
- Replies: 26
- Views: 3951
Re: Please help me get to the finish line: Retire in 2028?
you didn't mention when you and spouse are planning on taking social security. Opensocialsecurity.com is good resource.
Here are a couple of quick thoughts:
Here are a couple of quick thoughts:
- you are holding the same fund in taxable and tax deferred. Beware of unintentional wash sales
- maybe you could benefit from Roth conversion ladders prior to 59-1/2?
- Tue Jan 14, 2025 9:33 am
- Forum: Investing - Theory, News & General
- Topic: Total Portfolio Allocation and Withdrawal (TPAW)
- Replies: 1400
- Views: 368881
Re: Total Portfolio Allocation and Withdrawal (TPAW)
I somehow missed this fact. I just used the slider until I was 'comfortable' with spending. I was actually ok with a range of risks, but settled on 16 (aggressive). I was kinda bothered by the label, so I took some quizzes, thought about it - eventually just accepted it. (I did struggle a bit to refrain from dialing in my 'right' asset allocation)Ben Mathew wrote: Mon Jan 13, 2025 11:49 pm Yes, risk tolerance is assumed to be linearly decreasing from y1 at age 20 to y2 at max age, where
y1 is the risk tolerance input
y2 is y1 minus the input in "Decrease Risk Tolerance With Age."
'Aggressive' at age 20 seems more 'palatable'
Thanks to Ben and Jacob for this great tool.
- Tue Jan 14, 2025 8:34 am
- Forum: Personal Finance (Not Investing)
- Topic: ACA (affordable care act) 2025 enrollment
- Replies: 12
- Views: 1669
Re: ACA (affordable care act) 2025 enrollment
This happened to me, I thought being honest about November income ($0) was the thing to do. Then got funneled down the Medicaid rabbit hole. Lesson Learned for next year: average income for year and use for monthly regardless of what really occurs month-to-monthteen persuasion wrote: Fri Nov 08, 2024 4:51 pm But when applying the state website first looks to see if we are eligible for Medicaid based on monthly income (ACA is based on annual income)

- Tue Jan 14, 2025 7:13 am
- Forum: Personal Investments
- Topic: Open Roth IRA or contribute to Spouse's or both
- Replies: 5
- Views: 1699
Re: Open Roth IRA or contribute to Spouse's or both
Thanks, I'm not quite sure what the 8.5% means. Is it income + conversion = 94,300 + standard deduction - 8.5% ?
- Mon Jan 13, 2025 12:56 pm
- Forum: Personal Investments
- Topic: Open Roth IRA or contribute to Spouse's or both
- Replies: 5
- Views: 1699
Open Roth IRA or contribute to Spouse's or both
Seeking input on whether I should open a Roth IRA, contribute to DW's Roth IRA, or both, or do nothing - thanks in advance (this would be for tax year 2024)
Background
age: him 63 her 67
Retired in June 2024, contributed $18,300 in 2024 to 401k which was rolled into my traditional IRA in July. Money for contributions/opening would be coming from after tax brokerage, not conversions.
I've estimated our 2024 AGI at ~$110,000 (tax filing: MFJ, 12% bracket)
Fidelity's contributions calculator showed I'm eligible, but I wanted to double check here.
other info
I'm on ACA, not interested in conversions until I'm on Medicare. DW is already on Medicare and getting Social Security. I'm delaying social security until at least 67. We don't have ...
Background
age: him 63 her 67
Retired in June 2024, contributed $18,300 in 2024 to 401k which was rolled into my traditional IRA in July. Money for contributions/opening would be coming from after tax brokerage, not conversions.
I've estimated our 2024 AGI at ~$110,000 (tax filing: MFJ, 12% bracket)
Fidelity's contributions calculator showed I'm eligible, but I wanted to double check here.
other info
I'm on ACA, not interested in conversions until I'm on Medicare. DW is already on Medicare and getting Social Security. I'm delaying social security until at least 67. We don't have ...
- Sun Jan 12, 2025 11:17 am
- Forum: Personal Finance (Not Investing)
- Topic: Share your net worth progression
- Replies: 4867
- Views: 1315810
Re: Share your net worth progression
some milestone highlights (liquid net worth):
Code: Select all
1984: 3,146. (age 23,single)
1992: 53,642.
1996: 100,834.
1997: 115,223. (married)
2003: 525,424.
2013: 1,103,447.
2020: 2,543,980.
2021: 3,087,398.
2024: 4,201,656. (retired)
- Sun Jan 12, 2025 10:44 am
- Forum: Investing - Theory, News & General
- Topic: How often to rebalance retirement accounts?
- Replies: 32
- Views: 2498
Re: How often to rebalance retirement accounts?
Interesting. April fool's dayKbg wrote: Sun Jan 12, 2025 9:09 am I did some backtesting on annual rebalancing. It was interesting.
1 Nov, 1 Jan, 1 Apr were consistently the best months.
- Sat Jan 11, 2025 10:54 am
- Forum: Personal Finance (Not Investing)
- Topic: What is the Worst Financial Decision/Mistake You Have Made?
- Replies: 716
- Views: 181300
Re: What is the Worst Financial Decision/Mistake You Have Made?
Buying a Macintosh IIci computer in the early 90's for about $8k (!) instead of apple stock 

- Fri Jan 10, 2025 10:13 am
- Forum: Personal Investments
- Topic: Need guidance, can’t find advice for what to do.
- Replies: 9
- Views: 1492
Re: Need guidance, can’t find advice for what to do.
I think you should also look into impacts to your government benefits. There may be income/asset thresholds to consider.
- Fri Jan 10, 2025 9:40 am
- Forum: Personal Investments
- Topic: How to account for "high" standard deviation & small Sharpe ratio
- Replies: 2
- Views: 210
Re: How to account for "high" standard deviation & small Sharpe ratio
you can use a tool like https://tpawplanner.com/
if you don't like their default return assumptions, you can input your own. you could also use portfolio visualizer, be sure to check the 'statistical returns' option.
I don't know the details of their Monte Carlo, but I'd be surprised if they weren't using normal distribution. The assumptions made on returns, inflation, etc. will likely swamp the effects of using normal distribution
if you don't like their default return assumptions, you can input your own. you could also use portfolio visualizer, be sure to check the 'statistical returns' option.
I don't know the details of their Monte Carlo, but I'd be surprised if they weren't using normal distribution. The assumptions made on returns, inflation, etc. will likely swamp the effects of using normal distribution
- Fri Jan 03, 2025 1:50 pm
- Forum: Investing - Theory, News & General
- Topic: Total Portfolio Allocation and Withdrawal (TPAW)
- Replies: 1400
- Views: 368881
Re: Total Portfolio Allocation and Withdrawal (TPAW)
Thanks so much for this and the tool in general. Also, I'm happy to report that for me since the changeover described here : viewtopic.php?p=8162091#p8162091 the web site is much more stable.
Knowing compute and bandwidth are not free, count me in if you decide to put a 'donate' button on the site or similar
- Fri Jan 03, 2025 9:35 am
- Forum: Investing - Theory, News & General
- Topic: Total Portfolio Allocation and Withdrawal (TPAW)
- Replies: 1400
- Views: 368881
Re: Total Portfolio Allocation and Withdrawal (TPAW)
Anyone else getting an error on the website after pressing 'generate pdf'?
I wanted to save a copy for future reference
I wanted to save a copy for future reference

- Thu Jan 02, 2025 12:48 pm
- Forum: Investing - Theory, News & General
- Topic: The One-Fund Portfolio as a default suggestion
- Replies: 1038
- Views: 305382
Re: The One-Fund Portfolio as a default suggestion
I've read the comments about mirroring, but I'm considering AOM for tIRA (for retirement expenses) and AOA for Roth ( considered for legacy). Roth is ~10% of tIRA and most likely will not be used, so I have a higher risk tolerance and longer time frame for this account.
Am I fooling myself?
Am I fooling myself?
- Wed Jan 01, 2025 12:00 pm
- Forum: Bogleheads Community and Local Chapters
- Topic: Roll Call for the Retirement Class of 2024!
- Replies: 237
- Views: 102977
Re: Roll Call for the Retirement Class of 2024!
Late to the party...
Retired: 6/30/2024
Age: 62

Retired: 6/30/2024
Age: 62

- Sun Dec 15, 2024 2:43 pm
- Forum: Investing - Theory, News & General
- Topic: Total Portfolio Allocation and Withdrawal (TPAW)
- Replies: 1400
- Views: 368881
Re: Total Portfolio Allocation and Withdrawal (TPAW)
Along the same lines...would people find other percentiles (e.g. 80/20) helpful? Since the ending distribution is skewed, I'd like to know what the middle 50% or 60% looks likeBen Mathew wrote: Fri Dec 13, 2024 4:57 pmThat makes sense. We'll try to display the CAGR of the different percentiles in the planner. I've added it to the list.Solicitorious wrote: Fri Dec 13, 2024 3:10 pm
Thanks Ben. It would be useful to have that information displayed somewhere inside the planner, for the different expected return choices.
Thanks for the suggestion.
PS - Thanks for the tool, I will not be renewing my subscription to New retirement
