Search found 90 matches

by Zephavest
Wed May 20, 2020 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1021
Views: 322170

Re: Retiree Portfolio Model

Hi Barsoom, thanks for sharing this with the community, nice job!!!
by Zephavest
Tue Feb 04, 2020 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1021
Views: 322170

Re: Retiree Portfolio Model

Two things make it hard to mod (and maintain and develop) RPM. One is Base Case which is a huge lead weight since everything has to be repeated there. And it is no value since one or two mouse clicks goes from Roth to non-Roth = Base. Prob seemed like a nice bell & whistle but should be torn ou...
by Zephavest
Sun Feb 02, 2020 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1021
Views: 322170

Re: Retiree Portfolio Model

 - Do your different scenarios show clear result differences? Yes they do and even if the percentage is small, that is just fine with me. If you can keep your scenarios always having a positive balance at the end it is a good plan, regardless of percentage remaining. I want to assure we or my survi...
by Zephavest
Sat Feb 01, 2020 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1021
Views: 322170

Re: Retiree Portfolio Model

Perhaps the IFERROR function which was introduced in 2007 could be used instead. Bigfoot is overly generous with the thousands of hours he has put into developing and maintaining RPM for the Bogleheads community at large. It is not fair to ask Bigfoot to do such as massive change, assuming it would...
by Zephavest
Wed Jan 29, 2020 5:33 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1021
Views: 322170

Re: Retiree Portfolio Model

Can you try to enable Macros and see how it behaves. There are no security concerns running macros in RPM, the file has been used by many users and it is safe.
by Zephavest
Sat Jan 25, 2020 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1021
Views: 322170

Re: Retiree Portfolio Model

Do you know why I cannot do a Save As and change the name in that dialog box. I have done this in previous version. The problem rang a bell for me on one of my previous reported problems: I successfully crashed both versions. So next I suspected something was wrong with my Excel/Office or Windows 1...
by Zephavest
Thu Jan 23, 2020 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1021
Views: 322170

Re: Retiree Portfolio Model

If I see something that I am doing, I will give you an update RL, here is something to try, download another fresh copy of the file, do not open it, do not do a save as, just select it and then do a copy and paste. Windows will make a copy of the file with "-copy" at the end of the file n...
by Zephavest
Fri Dec 20, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1021
Views: 322170

Re: Retiree Portfolio Model

Yes, unless there's an asteroid strike (or something worse!) before then, I have 20.0 about ready to go for a 1/1/20 release. No major changes this year just 2020 factors updates and minor enhancements. Hi BigFoot, Will you be including updates from the SECURE act? Mainly the change to RMD starting...
by Zephavest
Sun Dec 01, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 38392

Re: Turbotax 2019 on Amazon

The more I watch Black Friday / Cyber Monday sales the more I realize the marketing people have this down to a science. Customers expect a deal and they price accordingly, although it may not be the best price, people just make the false assumption that if it is a Black Friday / Cyber Monday price s...
by Zephavest
Fri Nov 29, 2019 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 29197

Re: H&R BLOCK Pre-Order 2019 Software Offer

Because they want you to upgrade, at various points they will say something like "additional help is available here if you upgrade." If those points are relevant to you, you can take the bait. Or you can go through everything without upgrading and see how it comes out. Thanks tfb, I pulle...
by Zephavest
Fri Nov 29, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 29197

Re: H&R BLOCK Pre-Order 2019 Software Offer

If you buy the Deluxe + State version and you realize you need the Premium version, which you might not, the Deluxe program itself will offer you the opportunity to upgrade to Premium for $10 or $15. Thanks, TFB, I'll go ahead and buy the deluxe myself today since you pointed out the cheap upgrade ...
by Zephavest
Fri Nov 29, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 38392

Re: Turbotax 2019 on Amazon

HueyLD wrote: Fri Nov 29, 2019 11:38 am As I indicated earlier, $49.99 includes a state return but $39.99 does not.
My mistake, sorry, I'm in a no tax state, Texas.
by Zephavest
Fri Nov 29, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 38392

Re: Turbotax 2019 on Amazon

Can you please share some of these decisions that you TT helps you to make in December? Is it Roth IRA conversion for example? I am only wondering if I am missing something here that I would need to do before the year end as well. Thank you! In my case, others will vary, yes, I need to know, to the...
by Zephavest
Fri Nov 29, 2019 10:41 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 29197

Re: H&R BLOCK Pre-Order 2019 Software Offer

bouncyboglehead wrote: Fri Nov 29, 2019 9:24 am My normal credit card gets me 3.33% universal cash back.
Can you share the company that offers the 3.33% universal cash back, I've not found any above 2%

Thank you
by Zephavest
Fri Nov 29, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 38392

Re: Turbotax 2019 on Amazon

While your waiting for Amazon to drop to $39, check out Costco, if you are a member:

Both $39.99 at Costco:

TurboTax Deluxe Federal 2019 PC (E-Delivery)
TurboTax Deluxe Federal 2019 MAC (E-Delivery)
https://www.costco.com/CatalogSearch?de ... d=Turbotax
by Zephavest
Fri Nov 29, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 38392

Re: Turbotax 2019 on Amazon

For me, it's $10 on a key component to decisions in December possibly involving tens of thousands of dollars. I think about the number of times I spend $10 on trivial things-- slightly more expensive entree or another beer in overpriced restaurant, gadget/clothing/knickknack/hobby item I don't real...
by Zephavest
Fri Nov 29, 2019 6:09 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 29197

Re: H&R BLOCK Pre-Order 2019 Software Offer

Block Deluxe handles Schedule C just fine. Hello dodecahedron or any other H&R Block Schedule C users, I understand that Deluxe has the Schedule C form, but I'm willing to pay for the extra hand holding of a more expensive version, if needed. On this page it says: The comparison table shows onl...
by Zephavest
Tue Nov 26, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 38392

Re: Turbotax 2019 on Amazon

I don't see anyone here pointed out at this. But TT on Amazon now comes with: Exclusively at Amazon, receive a free 1 year subscription to Quicken Starter Edition 2019 ($29.99 value) with your purchase of TurboTax I am not interested in Quicken. But would that be their reason not to decrease the pr...
by Zephavest
Thu Nov 14, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 38392

Re: Turbotax 2019 on Amazon

TaxSim is a free tax simulator website made available by the National Bureau of Economic Research (nonprofit scholarly thinktank) that is highly respected by tax policy scholars and practitioners (e.g., Congressional committee staff and Treasury Dept employees use it for modeling.) Great info on Ta...
by Zephavest
Thu Nov 14, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 38392

Re: Turbotax 2019 on Amazon

Deluxe handles schedule C just fine in the interview. There is zero reason to buy anything else. I have done schedule C for many years. I have documented this each year for people, yet TT guilts/scares people into buying more than they need. You are a perfect example of success in their marketing s...
by Zephavest
Thu Nov 14, 2019 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 38392

Re: Turbotax 2019 on Amazon

Not a little misleading. Intentionally a lot misleading. All forms are in all editions. While all forms may be available, please tell us how the Basic, Deluxe or Premier handle the Schedule C for example, for business. Do they offer the step by step interview questions to explain how to handle diff...
by Zephavest
Thu Nov 14, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 38392

Re: Turbotax 2019 on Amazon

dodecahedron wrote: Thu Nov 14, 2019 8:14 am for year end planning purposes (crossed checked with other sources, including my brain and NBER TaxSim).
Hi dodecahedron,

Please tell us more what NBER TaxSim is? the link is not working.
by Zephavest
Wed Nov 13, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 38392

Re: Turbotax 2019 on Amazon

Today TurboTax 2019 desktop (at least for mac) has an update available under Check for Updates. It seems to have enabled 1099-R I think. Thanks for the heads up, I just checked my TurboTax 2019 Home & Business, Windows version, there was an update available as well. I did the update and then ch...
by Zephavest
Mon Nov 11, 2019 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 38392

Re: Turbotax 2019 on Amazon

For those of you that have no laughing matter, critical year end financial decisions, that need some of the information Turbotax provides, like me, I've found a workaround for the not ready for prime time 2019 Turbotax. Since the 2019 Turbotax 1099-R Interview function is not working, switch to the ...
by Zephavest
Fri Nov 08, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 38392

Re: Turbotax 2019 on Amazon

It's not as purty as TurboTax, and requires much more data input, but for year-end tax forecasting Glenn Reeves's 1040 Excel spreadsheet is great: https://sites.google.com/site/excel1040/home/download Hi changingtimes, Thank you for the link, that is an impressive piece of Excel work, I will play a...
by Zephavest
Fri Nov 08, 2019 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 38392

Re: Turbotax 2019 on Amazon

when you post something like "Turbotax has DISCONTINUED the ability to do year end planning!!!", you're saying that they've discontinued something that existed in the past. That's simply not true. If you purchased TurboTax at the same time last year as this year, you'd have to compare fea...
by Zephavest
Fri Nov 08, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 38392

Re: Turbotax 2019 on Amazon

Updating the 2019 Turbotax list of Year End Planning functions that do not work, all of these are needed to properly calculate your year end income and tax bracket. Only then can you make your final investments sales, Roth Conversions, etc. to maximize your targeted tax bracket, IF, you are trying t...
by Zephavest
Fri Nov 08, 2019 5:40 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 29197

Re: H&R BLOCK Pre-Order 2019 Software Offer

We're not talking about PDF files. I guess I was not clear enough when I mentioned pdf files, I'm referring to the capability I use each year in Turbotax, which lets me save reports to pdf, such as: Form 1040 Individual Tax Return_Key Records Form 1040 Individual Tax Return_Only Records Form 1040 I...
by Zephavest
Thu Nov 07, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 29197

Re: H&R BLOCK Pre-Order 2019 Software Offer

I like to be able to peek into and if necessary edit the actual forms themselves, and see what changes my edits make to the calculations. The online versions do not allow this. Thanks so much, I did not realize that was a limitation of Freetaxusa. Do they allow you to download a copy of the file in...
by Zephavest
Thu Nov 07, 2019 11:14 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 29197

Re: H&R BLOCK Pre-Order 2019 Software Offer

I just received a reply from freetaxusa to my question I emailed them earlier this morning: "Our 2019 software will be available in a couple weeks. You will get an email from us as soon as it is ready, and then you can prepare your 2019 return whenever you'd like!" (their support ticket sy...
by Zephavest
Thu Nov 07, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 38392

Re: Turbotax 2019 on Amazon

In the case of roth conversion planning, for example, can you temporarily treat the converted amount as ordinary taxable income in another section of the software, for example as 1099-INT income? Hi seymore92, Great suggestion, Thank You!!! that did in fact work, good workaround. Now I have 59 days...
by Zephavest
Thu Nov 07, 2019 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 38392

Re: Turbotax 2019 on Amazon

So it's TurboTax's fault that the IRS doesn't release forms in time (to any software publisher)? I do my 2019 retirement planning on the 2018 software just fine. You could be correct, but even so, this still makes Turbotax no longer useable for year ending tax planning. The reality is IRS released ...
by Zephavest
Thu Nov 07, 2019 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 38392

Re: Turbotax 2019 on Amazon

FYI, it's available :sharebeer. I just bought this now since I need to do some rough estimates on my tax situation before the end of the year, and I won't be able to wait until Costco carries it. Hi deanmoriarty, Before you get to happy, Turbotax has DISCONTINUED the ability to do year end planning...
by Zephavest
Thu Nov 07, 2019 7:10 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 29197

Re: H&R BLOCK Pre-Order 2019 Software Offer

Not sure where that opinion came from. It's as easy to jump around HRB as it is with TT. They do have different interface but accomplish the same result. I would not let that stop you from trying out HRB. I will say this: none of the tax software is perfect. They all have some issues. And since eac...
by Zephavest
Thu Nov 07, 2019 6:47 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 29197

Re: H&R BLOCK Pre-Order 2019 Software Offer

Are you aiming to hit it on the nail or come in a little below or above? I have to do several California state forms (along with federal) Definitely aiming to hit it on the nail, I want to maximize my year end Roth Conversion while staying it my tax bracket. California returns? We sold our home in ...
by Zephavest
Wed Nov 06, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 29197

Re: H&R BLOCK Pre-Order 2019 Software Offer

I am a TT to HRB convert as of 2 years ago. Switched for 2 reasons - didn't like TT functionality/pricing games, and the lack of certain forms for year end tax planning (like you just experienced). OTOH, if you are experienced user (I am), I find it easier to navigate HRB and get to where I need to...
by Zephavest
Wed Nov 06, 2019 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 29197

Re: H&R BLOCK Pre-Order 2019 Software Offer

If you can wait until black Friday, check Amazon. By the way, I think that last year, all versions of HR Block had the same forms. The premium versions do more interviewing and hand-holding. If you know what you are doing, use the cheaper versions. Hi vtMaps, Thanks for the tips on the Black Friday...
by Zephavest
Wed Nov 06, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 29197

Re: H&R BLOCK Pre-Order 2019 Software Offer

I'm a TurboTax-to_HRBlock convert, and in no way would I try to convince you to stay with TurboTax. However, if you used TurboTax for TY2018 and still have that program, why not simply use last year's version for your end of year planning. I may be wrong, but I don't think that the tax code has cha...
by Zephavest
Wed Nov 06, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 29197

Re: H&R BLOCK Pre-Order 2019 Software Offer

Turbotax was just released this morning and as always I purchased the 2019 Home & Business from Amazon. When I got to the "Retirement Income Area", at that point I got a message "we expect this form to be ready on 1/15/2020. WHAT, it seems Turbotax is now run by young software peo...
by Zephavest
Tue Jun 11, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1021
Views: 322170

Re: Retiree Portfolio Model

You might want to try Excel Online or WPS Kingsoft Spreadsheet instead of Libre, but none are as good as Excel. Thanks for your comments. Buy a copy of Excel for Mac for $105. https://www.amazon.com/dp/B07H4XBM1R I checked the link above, current price is $129 for both Mac and Windows. Excel is the...
by Zephavest
Sun Jun 02, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1021
Views: 322170

Re: Retiree Portfolio Model

Another, simpler, solution if you assume long term growth rates are going to be an annualized 7%, just set your return rate so something less to account for the unknowns, such as 5% annualized. You will save a lot of work and a few headaches, 2,500 monte carlo simulations and cross checking to multi...
by Zephavest
Sun May 12, 2019 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1021
Views: 322170

Re: Retiree Portfolio Model

The total portfolio balance after tax is 950K higher with not converting. For anyone working through the convert / not convert conundrum, here are a couple of real life scenarios to consider for your heirs. If you leave a $1M, $2M, $3M inheritance to your heirs, have you taken time to seriously con...
by Zephavest
Sun Apr 14, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1021
Views: 322170

Re: Retiree Portfolio Model

I know this is a well-policed site, probably one of the best and strictest public forums on the internet. And I note that the topic author has a long tenure, many posts, and seems well-respected. You answered your own questions, I've been using it for years, it's the real thing, park the paranoia!
by Zephavest
Wed Mar 20, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: Beta Vanguard APP
Replies: 61
Views: 5673

Re: Vanguard beta app email - legit or phishing?

I just received the same email.

Looking up both the e-vanguard.com and vanguard.com at https://whois.icann.org/en shows the same registrant for both domains:

The Vanguard Group, Inc.
by Zephavest
Mon Mar 18, 2019 7:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 645
Views: 73036

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

Wells Fargo back in the news, fatal tailspin? Principal Financial close to Wells Fargo retirement unit acquisition-sources March 17, 2019 (Reuters) - Principal Financial Group Inc is in advanced talks to acquire Wells Fargo & Co's retirement plan services business, in a deal that could exceed $1...
by Zephavest
Wed Mar 13, 2019 7:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 645
Views: 73036

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

Correction to my previous post, Wells Fargo does not offer 2.7% interest for their Platinum Savings account. I asked for this rate in writing, and the local bank manager said he was mistaken. It's 2.1% for one year. Then it drops to .03% interest. I'm absolutley shocked Wells Fargo would lie! JUST ...
by Zephavest
Sat Mar 09, 2019 7:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 645
Views: 73036

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

... we have determined that VanguardAdvantage is no longer meeting the range of needs articulated by our clients... I'd love to meet the army of clients who absolutely hated that a brokerage offered bank like features as an extra convenience and threatened to take their business elsewhere unless Va...
by Zephavest
Sat Mar 09, 2019 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1021
Views: 322170

Re: Retiree Portfolio Model

I've retired early and am funding that through my taxable trading account until I start receiving a pension at 65 and SS at 70. The model has helped me to set the Roth conversion levels for the next few years while I have no earned income. I've been selling bonds/mm as needed but this year my portf...
by Zephavest
Wed Mar 06, 2019 1:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 645
Views: 73036

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

This chart really should be comparing the low minimum Federal MM funds to each other, and should be comparing the low minimum Prime MM funds to each other. So it should be... Comparison #1: Vanguard is 29bp higher 2.05% Fidelity Government MM Fund SPAXX 2.34% Vanguard Federal MM Fund VMFXX Comparis...
by Zephavest
Wed Mar 06, 2019 12:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 645
Views: 73036

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

Just signed up for Wells Fargo with a real, nice person at a branch one mile away. They offer FREE: - 2.7% Platinum savings account, Money Market fund linked, zero fees per the manager, with a $25K minimum. $500 to open to avoid fees. How did you get 2.7% ? perhaps zip code rates are different arou...