Search found 228 matches

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: 2313

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: 21
Views: 1604

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: 8774

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: 1801

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: 4927

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: 1034

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: 6831

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: 1349

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: 2540

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: 1349

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: 1349

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: 1349

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: 1487

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: 1302

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: 6591

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: 6484

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: 7171

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: 17653

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: 3912

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: 6446

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: 6213

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: 2196

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: 1158

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: 2708

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: 2357

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: 3788

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: 112970

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: 112970

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: 434
Views: 167820

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: 794

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: 576

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: 112970

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: 2146

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: 2728

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: 271

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: 9696

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: 3763

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: 50654

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: 898

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 )
by sandramjet
Tue Feb 13, 2018 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer in-kind between Roth Accounts @ vanguard?
Replies: 10
Views: 898

Transfer in-kind between Roth Accounts @ vanguard?

I happen to have 2 Roth accounts at Vanguard. Both of them hold a mix of some old individual stocks and various funds. I wanted to "rearrange" things so that one account had only the stocks, while the other account held everything else. I called Vanguard and asked how I could do this, but was told t...
by sandramjet
Fri Feb 09, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 112970

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

Ok, it's not a delay. According to the 2 emails from Tesla, the delivery date was subject to a "adjustment" to a "to a slightly later window". :oops: Originally in Nov of last year, now May of this year. And yes, that is for the first model (extended range with optional equipment) I will note that I...
by sandramjet
Fri Feb 09, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 112970

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

All of these delays make me feel better about "chickening out" and getting a Bolt last year instead of waiting for the m3. I admit, it is no Tesla, but at least I've been able to drive it instead of wondering when my 3 would become available.... :happy
by sandramjet
Thu Jan 25, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade $75 Account Transfer Fee
Replies: 15
Views: 4358

Re: TD Ameritrade $75 Account Transfer Fee

That's actually pretty common. It was what scottrade used to charge, before the acquisition.
by sandramjet
Tue Jan 23, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: Analyzing 292 different ways to generate retirement income, and the winner is...
Replies: 6
Views: 1286

Re: Analyzing 292 different ways to generate retirement income, and the winner is...

Yes, had to google to find it, link does seem broken. But when I read that the conclusion is that the best approach was "to work just enough to pay for living expenses until age 70 in order to enable delaying Social Security benefits." .... I quit reading. I don't want to work longer.
by sandramjet
Sun Jan 14, 2018 12:24 am
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '8% rule' - Where are they now?
Replies: 40
Views: 7416

Re: Year 2000 retirees using the '8% rule' - Where are they now?

If my parents are any indication, it is true that the discretionary "travel expenses" and so on decreased as they aged. However, from 80 on the increases in the not so discretionary health care area more than made up for that. Certainly now, at 87, with full time live in care, the expenses are the h...
by sandramjet
Fri Jan 12, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 434
Views: 167820

Re: Retiree Portfolio Model

I see that the spreadsheet indicates how many years you are above the Medicare income limits (IRMAA). However, it doesn't look like it does anything with that information (unless, as is quite possible, I missed it). Is it possible that there could be an option to automatically add the additional cos...
by sandramjet
Mon Jan 08, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: New tax plan-62 year old convert to Roth before RMD?
Replies: 31
Views: 3023

Re: New tax plan-62 year old convert to Roth before RMD?

Just run I-ORP to get the best available calculation. (I-ORP has already adjusted for the new tax law.) Should be aware that I-ORP does not model the increase in tax rates 10 years out as mandated by current law. The developer is aware, but I haven't seen anything that indicates it has been incorpo...
by sandramjet
Mon Jan 08, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: New tax plan-62 year old convert to Roth before RMD?
Replies: 31
Views: 3023

Re: New tax plan-62 year old convert to Roth before RMD?

Just run I-ORP to get the best available calculation. (I-ORP has already adjusted for the new tax law.) Should be aware that I-ORP does not model the increase in tax rates 10 years out as mandated by current law. The developer is aware, but I haven't seen anything that indicates it has been incorpo...
by sandramjet
Mon Jan 08, 2018 1:33 am
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 13907

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

Personally, I've often wondered that as well. I usually skip them (I haven't read any of the ones you mentioned). When I do see them, I assume they are some type of "humble brag". But apparently others feel they are at least interesting, so maybe the idea of just grouping them together as you sugges...
by sandramjet
Sun Jan 07, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need $$ in taxable?
Replies: 26
Views: 4680

Re: Do I need $$ in taxable?

I think what the OP is proposing is using the the Roth account to pay operating expenses during the year rather than putting the money in a taxable account and paying expenses from there. Let's say estimated operating expenses for the year are about $50,000. Option 1: Transfer $50,000 from tIRA to ...