Search found 239 matches

by sandramjet
Fri Jan 18, 2019 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 522
Views: 181282

Re: Retiree Portfolio Model

A couple of notes... 1) yes, the spreadsheet can have a steep learning curve, because it does have lots of options. But I found I learned a lot by trying out things and looking to see what it was doing. So I encourage you to keep trying, and coming back for help if needed, just for the education fac...
by sandramjet
Tue Jan 15, 2019 9:26 pm
Forum: Personal Consumer Issues
Topic: End of an era - Boeing 727
Replies: 35
Views: 2415

Re: End of an era - Boeing 727

And got off the ground really quick on takeoff? I thought it was the 707 that basically went vertical immediately after takeoff??? It seemed that way at the time, but in reality, the current big twins (777, 787) can really climb much faster than these planes. The engines on the twins are powerful e...
by sandramjet
Sun Jan 13, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: [Peter Jackson’s “They shall not grow old” - now showing Jan 21]
Replies: 60
Views: 7580

Re: Encore performance Jan. 21: Peter Jackson’s “They shall not grow old”

I've been trying for 2 hours to get a response from website... it won't let me pay online?? Anyone else having these issues?
by sandramjet
Fri Jan 11, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion
Replies: 36
Views: 2955

Re: Roth conversion

I was planning on doing this but if I do, it would push me over the limit for getting the AOTC benefits... I can't justify the impact of giving up that credit.
by sandramjet
Fri Jan 04, 2019 8:18 pm
Forum: Personal Consumer Issues
Topic: master suite features for addition
Replies: 66
Views: 3396

Re: master suite features for addition

Heated floors in the shower/bath area. Way better than stepping onto cold floors!
by sandramjet
Wed Jan 02, 2019 1:31 am
Forum: Investing - Theory, News & General
Topic: Bogleheads Uniform Returns -- December 2018
Replies: 7
Views: 1439

Re: Bogleheads Uniform Returns -- December 2018

I guess I'm confused about what the point of this is? Why do I care what other people's portfolio returns might be? Portfolio's are uniquely personal, IMHO.
by sandramjet
Thu Dec 27, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 522
Views: 181282

Re: Retiree Portfolio Model

Just wondering if you have any thoughts on the best way to model some of the less common tax events... in my case specifically, looking at how to model the impact of the American Opportunity Tax Credit, which provides a credit of up to $2500 if you have appropriate college expenses of $4000 or more,...
by sandramjet
Thu Dec 27, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: Another take on international vs S&P 500
Replies: 17
Views: 1327

Re: Another take on international vs S&P 500

First of all, welcome to the forum. I apologize and will not post again Please don't feel you can't post again. This site has a wealth of information, and despite the fact that some folks tend to "bite the newcomers" I encourage you to continue to try to use the information and collective wisdom on ...
by sandramjet
Wed Dec 26, 2018 6:11 pm
Forum: Investing - Theory, News & General
Topic: 96 percent of stocks are no better then TBills
Replies: 51
Views: 8008

Re: Hendrik Bessembinder paper, active over passive?

Hindsight is 20/20. The trick is finding out which stocks will perform like that over the next lifetime to match those returns...
by sandramjet
Thu Dec 06, 2018 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Am I calculating the marginal tax rate correctly here?
Replies: 5
Views: 827

Re: Am I calculating the marginal tax rate correctly here?

Sorry if this is a "detour" but I have a question about how to correctly calculate marginal rates as well. In particular, for the case where you will qualify for the American Opportunity Tax Credit (assume up to the full amount of credit ... 2500), it seems like having this is equivalent to lowering...
by sandramjet
Fri Nov 02, 2018 5:42 pm
Forum: Investing - Theory, News & General
Topic: The biggest rallies in stocks have happened during the worst times to be invested
Replies: 15
Views: 2361

Re: The biggest rallies in stocks have happened during the worst times to be invested

Funny, I don't think these are the worst times to be invested ... I was buying like mad in 2007/2008 ... it has worked out pretty well so far.
by sandramjet
Fri Nov 02, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Model 3 Mid-Range or Volt
Replies: 27
Views: 2328

Re: Model 3 Mid-Range or Volt

For a 65 miles commute, I would recommend a Chevrolet Bolt rather than a Volt. We also have one in our household. I prefer it to the Volt. My husband drives it. I agree with this. I have a Bolt, and it routinely gets between 190-220 miles on a single charge, depending on weather, drive conditions, ...
by sandramjet
Wed Oct 17, 2018 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Long-term Care Insurance
Replies: 184
Views: 9122

Re: Long-term Care Insurance

The last time I priced one was for a woman in her early 80's and her life expectancy was 8 years. The total payouts over the 8 year period were LESS THAN the single premium deposit. That was NOT a typo. The total payments over 8 years was LESS than the single premium deposit. (That is why I said th...
by sandramjet
Tue Oct 09, 2018 10:28 pm
Forum: Investing - Theory, News & General
Topic: Does the Boglehead ever see a unique opportunity for investment?
Replies: 17
Views: 1841

Re: Does the Boglehead ever see a unique opportunity for investment?

Just wondering if any dedicated BH types have actually placed a big bet with a bigger potential payoff. Not really a "big" bet ... I did invest in a private placement in my brother's internet company. Was small enough that I could afford to lose all of it, but fortunately, it won enough to pay 4 ye...
by sandramjet
Wed Oct 03, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: Flattening yield curve
Replies: 55
Views: 5112

Re: FLATTENING YIELD CURVE

I'm sure this is leading to a recession... problem is, I have no idea when or for how long or how bad...
by sandramjet
Wed Oct 03, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: not married in community property state
Replies: 9
Views: 1050

Re: not married in community property state

They lived in NY state. This summer Dee up and moved her and her children to California a community property state. I am a cynic and my mind automatically jumps to financial reasons for her to want to do this? Maybe she just likes the weather better there. Not everyone does things just for financia...
by sandramjet
Mon Oct 01, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Home Part of NW [Net Worth]
Replies: 98
Views: 6928

Re: Why is Home Part of NW [Net Worth]

Jags4186 wrote:
Mon Oct 01, 2018 10:28 am

Net worth just isn't that useful of a number other than for estate planning purposes.
+1

I compute my net worth including house etc because it potentially impacts my estate planning. I ignore it for everything else.
by sandramjet
Wed Sep 26, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Do I really need a CPA to do taxes for LLC?
Replies: 13
Views: 1370

Re: Do I really need a CPA to do taxes for LLC?

Thanks for the advice and insights. With a regard to the comments about trusts... 3. As somebody else noted before, a trust would probably be better, since this seems more like personal property and there is no profit motive. Though personally, I would use a trust for this. Can you elaborate more on...
by sandramjet
Tue Sep 25, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: What do folks use for long-term forecasting of their personal finances?
Replies: 24
Views: 2564

Re: What do folks use for long-term forecasting of their personal finances?

I have used the Retiree Portfolio Model spreadsheet posted by BigFoot48. I think it's pretty comprehensive and flexible. You can use it to do “what if” scenarios. I also like the fact that, in addition to the Results information, it provides worksheets with the detailed information that allows me t...
by sandramjet
Tue Sep 25, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really need a CPA to do taxes for LLC?
Replies: 13
Views: 1370

Re: Do I really need a CPA to do taxes for LLC?

My wife and I have always done our own taxes, even when she had businesses. However, she is now part of an LLC with siblings and they hire a CPA. She prepares all the information, but the CPA does the taxes. Partly this is because she is the youngest (at almost 60), but also because some in-laws ma...
by sandramjet
Tue Sep 25, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really need a CPA to do taxes for LLC?
Replies: 13
Views: 1370

Re: Do I really need a CPA to do taxes for LLC?

Bumping this in hopes someone will offer some advice/insight.
by sandramjet
Sun Sep 23, 2018 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really need a CPA to do taxes for LLC?
Replies: 13
Views: 1370

Do I really need a CPA to do taxes for LLC?

I'm trying to get an idea of how complicated it is to do taxes, etc for an LLC. Background: The family is in the process of putting a vacation home into an LLC as part of estate planning purposes. This is a home that will be used by family and friends only, and have no rental income. The LLC will pr...
by sandramjet
Sat Sep 22, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience using LLC for family 2nd home?
Replies: 4
Views: 1500

Re: Anyone have experience using LLC for family 2nd home?

I realize this is an old thread... but I've discovered that doing this sort of thing doesn't move quickly if all family members aren't really motivated one way or another :annoyed In any case, I think we have decided to go ahead and do this, and so far we've drafted an initial operating agreement, l...
by sandramjet
Wed Sep 19, 2018 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: any opinions of this fund? Vanguard Dividend Growth (VDIGX)
Replies: 15
Views: 1526

Re: any opinions of this fund? Vanguard Dividend Growth (VDIGX)

...It's important to note that the Dividend Growth strategy didn't begin until some time in the early 2000's. This was the Vanguard Utilities Fund before that... :oops: Oops. Effective December 6, 2002, the fund changed its investment objective and concentration policy. Prior to making these modifi...
by sandramjet
Fri Sep 07, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: 100% Bonds to boost returns?
Replies: 61
Views: 6727

Re: 100% Bonds to boost returns?

JBTX wrote:
Fri Sep 07, 2018 1:44 pm
Ultimately, a 10 year period is an arbitrary time frame.
+1 .... Even after retirement, my time frame I hope is a lot longer than 10 years!
by sandramjet
Tue Aug 21, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Co-habitation agreement - ??
Replies: 103
Views: 6535

Re: Co-habitation agreement - ??

Maybe ask Sheldon and Leonard for a copy of their roommate agreement? :D
by sandramjet
Fri Jul 13, 2018 9:23 pm
Forum: Investing - Theory, News & General
Topic: Bucket Portfolio article by Christine Benz
Replies: 85
Views: 7395

Re: Bucket Portfolio article by Christine Benz

It simply shifts the risk profile. If the bear market recovers in 5 years or less you are better off using buckets, but in the really bad case of a bear market lasting 9 years or more, the bucket approach makes a very bad situation worse. If you want less risk, you have to do some form of liability...
by sandramjet
Mon Jun 18, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 17897

Re: Should I take possession of a certified mail?

He asked us that question, we gave our comments, and we should get a final reply. So I guess I don't understand why anyone on an anonymous internet forum thinks they can impose deadlines on people to do things, or making fun about them for not responding as soon as everyone else believes is possibl...
by sandramjet
Mon Jun 11, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Light Camping Trailer
Replies: 42
Views: 4064

Re: Light Camping Trailer

We have an a-frame popup camper. They are great; hard sided, yet small/easy to put up, easy to pull. We have an indoor kitchen/refrigerator/sink, but no toilet/shower. There are a few different makers - A-Liner, Chalet, Rockwood. Some of the larger ones are too big for the Subaru but the smaller one...
by sandramjet
Sun Jun 10, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: long term care insurance
Replies: 113
Views: 6606

Re: long term care insurance

WoW2012 wrote:
Sat Jun 09, 2018 2:35 pm
Quick question, do you sell this product?
I may have missed it, but I didn't see an answer to this question... From your answers, it sounds like you either sell such products or represent companies that do. Can you confirm whether that is true?
by sandramjet
Sat Jun 02, 2018 3:56 pm
Forum: Investing - Theory, News & General
Topic: Investment money is "Fungible"
Replies: 82
Views: 6340

Re: Investment money is "Fungible"

Second, all of the examples that you can actually be quantified. Even the unknowns unkowns. You just set really wide confidence bands. I don't understand this point. Could you explain how wide you set a confidence band for an unknown which is by definition not known. So how do you know how wide to ...
by sandramjet
Sun May 20, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!
Replies: 22
Views: 2254

Re: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!

How about let the college going kid earn sufficient summer/part-time income so that he/she can file tax-returns on their own. Assuming decent 10K/15K income, I wish that were true ... our kids get roughly 10-12 weeks of time off during summer, and at about $11/hour full time, there's no way to make...
by sandramjet
Fri May 04, 2018 8:56 pm
Forum: Investing - Theory, News & General
Topic: Online resource for current Boglehead 3 fund portfolio
Replies: 10
Views: 1209

Re: Online resource for current Boglehead 3 fund portfolio

How about the Simba backtesting spreadsheet from this site?
by sandramjet
Sun Apr 29, 2018 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Relatively stable 1 year investment that doesn't involve interest?
Replies: 37
Views: 2788

Re: Relatively stable 1 year investment that doesn't involve interest?

Stargazer79 wrote:
Sun Apr 29, 2018 5:10 pm
I am looking to buy a house in about a year and hopefully it should grow to about 120K by then.
You are looking (hoping?) for a 20% return in one year? That takes this out of the area of stable, IMHO
by sandramjet
Sun Apr 22, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: State and fed tax credits - buying a Bolt electric vehicle before it’s needed
Replies: 21
Views: 2588

Re: State and fed tax credits - buying a Bolt electric vehicle before it’s needed

I bought a Bolt early for much the same reasoning, however, by "early" I mean only about 6 months earlier than I had planned (late last year vs this summer). I would NOT buy one any earlier than that. I expect EV's in general to get much better in the future, and be worth buying even without a subsi...
by sandramjet
Fri Apr 20, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: How much off MSRP should one expect?
Replies: 23
Views: 4929

Re: How much off MSRP should one expect?

Well it is a sale, regardless of new or used. So it seems consistent at least
by sandramjet
Fri Apr 20, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 116047

Re: To take or not to take delivery of Tesla 3

Second, we looked at a Bolt and while it is not as nice as the M3, it is still a fun car to drive, comfortable in the back seat and (after rebate) is at least 20k less expensive than M3. I was looking at KBB fair market prices for base bolt and it showed 35K. You were able to buy it at a much lower...
by sandramjet
Wed Apr 18, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 116047

Re: To take or not to take delivery of Tesla 3

I finally decided to pull my reservation... a couple of reasons... First, we finally had the chance to see one in person. Actually liked the dash/interior up front. Didn't drive it (have driven a Model S, though), but really hated the back seat! Super uncomfortable. And since we frequently have more...
by sandramjet
Sun Apr 15, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 522
Views: 181282

Re: Retiree Portfolio Model

When I tried to use the "clear entry macro" I get an error (1004) "the cell or chart is on a protected sheet ". The debug shows it to be at: !special events Range("G156:J156").Select Selection.ClearContents Range("Inheritance").Select ActiveCell.FormulaR1C1 = "n" Range("Inherit_Taxable").Select Acti...
by sandramjet
Sat Apr 07, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: Lithium Battery Life Expectancy?
Replies: 6
Views: 818

Re: Lithium Battery Life Expectancy?

A Chevy Bolt battery pack (60kWH) costs just over 15K, should it go out before warranty (8 years)
by sandramjet
Thu Apr 05, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Will Medicare filing date affect IRMAA amounts?
Replies: 7
Views: 597

Will Medicare filing date affect IRMAA amounts?

As I understand the Medicare filing requirements, you must file for medicare no more than 3 months before or after your 65th birthday. I also understand that they look back 2 years in order to determine the income amounts and what IRMAA bracket that you might be in. Assuming you turn 65 in December,...
by sandramjet
Tue Apr 03, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 116047

Re: To take or not to take delivery of Tesla 3

Can someone please tell me why the Chevy Bolt does not do Super Charging? I read that that car can be charged only at 240V. That seems slow to me. Please explain. I don't believe that's quite correct. You can order (for $750) the rapid charge option. It allows charging at much higher rate (using so...
by sandramjet
Thu Mar 29, 2018 11:30 pm
Forum: Investing - Theory, News & General
Topic: Engineered Portfolio
Replies: 14
Views: 2174

Re: Engineered Portfolio

Maybe I missed it, but why did you have to explicitly limit our portfolios to "only" 10% exposures to Sweden and South Africa. Based on the 40 years of historical data, the optimization routine we had wanted 20% allocations for a number of portfolios - we had to step in a bit then (same goes with go...
by sandramjet
Mon Feb 26, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One is replacing bank branches with coffee shops & ATMs. Wave of the future?
Replies: 39
Views: 2958

Re: Capital One is replacing bank branches with coffee shops & ATMs. Wave of the future?

I see 2 problems...
1) I don't drink coffee
2) Where do I go to get my Medallion signatures that Vanguard so often requires??
by sandramjet
Sat Feb 24, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Scottrade trade closing fee?
Replies: 2
Views: 280

Re: Scottrade trade closing fee?

I would just call and ask scottrade. If they say yes ask them to drop them.
by sandramjet
Thu Feb 22, 2018 6:35 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 60
Views: 9835

Re: "Bogleheads.org" by Kristine Hayes"

Several friends have expressed a desire to understand investing better at one time or another, and I've had numerous discussions with many of them, time permitting. But I will invariably encourage them, usually repeatedly, to come to the forum to read further and ask questions. I don't think those ...
by sandramjet
Thu Feb 22, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: Terminology question: what does "losing money" mean?
Replies: 71
Views: 3889

Re: Terminology question: what does "losing money" mean?

I guess I would have to go with #4 because how I respond would depend on the context of the conversation... I would either say "all of them made a little money" or "none of them kept up with inflation" ... depending on whether someone was asking me about "nominal" or "real" returns. In general, when...
by sandramjet
Thu Feb 22, 2018 5:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 444
Views: 52331

Re: Your USER NAME...what does it mean?

fishandgolf wrote:
Sun Feb 18, 2018 6:31 pm
True fact..........this past October, while spending a relaxing day on the course, I had the privilege to observe a bald ego soaring in air currents against the blues skies.......very cool indeed
Hmm.... "True Fact" ? Isn't that redundant? If it isn't true, how can it be a fact? :D
by sandramjet
Tue Feb 13, 2018 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer in-kind between Roth Accounts @ vanguard?
Replies: 10
Views: 1008

Re: Transfer in-kind between Roth Accounts @ vanguard?

Both accounts at Vanguard are the newer brokerage accounts. All the funds are Vanguard funds.
(I find it hard to believe as well, which is why I asked )