Search found 303 matches

by sandramjet
Mon Nov 02, 2020 2:54 pm
Forum: Personal Consumer Issues
Topic: My dog barks when I'm not home- solutions?
Replies: 79
Views: 5064

Re: My dog barks when I'm not home- solutions?

In the past we used a bark collar that doesn't shock but gives a quick spray of citronella. Worked like a charm. However if the barking is a chronic issue I'd look for underlying cause(e.g. separation anxiety, etc)
by sandramjet
Thu Oct 22, 2020 10:25 pm
Forum: Personal Investments
Topic: I bonds - Are they worth it to you?
Replies: 176
Views: 13579

Re: I bonds - Are they worth it to you?

I’m not sure but I think if you hit 30 years Treasury Direct will redeem your bond for you, although the cash will probably sit at TD until log on. I don't believe this is precisely correct. Perhaps someone with relevant experience can respond, but I think that once your savings bond hits 30 years,...
by sandramjet
Sat Oct 10, 2020 10:00 pm
Forum: Personal Investments
Topic: Roth conversions. Am I done?
Replies: 17
Views: 2106

Re: Roth conversions. Am I done?

Retiree Portfolio Model
by sandramjet
Mon Sep 14, 2020 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Financial Elder Abuse/Neglect/Inheritance Theft - lawsuit or mediation?
Replies: 71
Views: 6073

Re: Financial Elder Abuse/Neglect/Inheritance Theft - lawsuit or mediation?

In my case, my parent is still alive, so I am going through all this in order to preserve $$ for my parent; I am not concerned about whether anything is left over for me. So I am planning to see this through for my parent, but if despite my best efforts the estate is burned up, yes, I will just move...
by sandramjet
Sun Sep 13, 2020 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Elder Abuse/Neglect/Inheritance Theft - lawsuit or mediation?
Replies: 71
Views: 6073

Re: Financial Elder Abuse/Neglect/Inheritance Theft - lawsuit or mediation?

I meant to ask you, does your sibling give you an accounting? I made the request almost two months ago, and still haven't received any bank statements. They have given me an "accounting" supposedly every year -- but it has always been of questionable value and questionable accuracy. I had...
by sandramjet
Sun Sep 13, 2020 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Elder Abuse/Neglect/Inheritance Theft - lawsuit or mediation?
Replies: 71
Views: 6073

Re: Financial Elder Abuse/Neglect/Inheritance Theft - lawsuit or mediation?

Again, condolences on your loss, and on the pain and suffering you are are experiencing. I also second the suggestions that you look into counseling to help you maintain a healthy perspective on everything. I cannot suggest what you should do, other than what you are doing. I will tell you that I am...
by sandramjet
Sun Sep 13, 2020 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts a will to protect generational wealth?
Replies: 42
Views: 2490

Re: Thoughts a will to protect generational wealth?

-Money is only dispersed to the individual starting at age 30 (with exceptions of milestones such as college, marriage, kids). Before the age of 30, I deem the individual not responsible enough to handle money. So you believe you are able to judge 4 generations into the future about how someone can...
by sandramjet
Thu Aug 20, 2020 11:44 am
Forum: Personal Investments
Topic: Please review my de-risking/cash-out plan
Replies: 111
Views: 5560

Re: Please review my de-risking/cash-out plan

I'm not sure what the point of all this is. You asked for a review of your plan, but so far your responses to any comments have been to explain why you can't or won't make changes. So just do what you have already apparently decided to do.
by sandramjet
Sun Aug 02, 2020 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1026
Views: 323499

Re: Retiree Portfolio Model

Hi, great tool! I was wondering if there is a simple way to add additional income sources that will be paid intermittently in the future. The tool currently only allows 4 inputs; I may have up to 10-12? Thanks for the help. Glad you like. Unfortunately there's no other way to easily add income sour...
by sandramjet
Thu Jul 02, 2020 11:34 am
Forum: Investing - Theory, News & General
Topic: The magic of stock indices
Replies: 29
Views: 2046

Re: The magic of stock indices

landhome wrote: Thu Jul 02, 2020 10:45 am These make about 1/4 of the index.
How do you get that? The index contains 500 companies. And they all count, not just the largest ones.
by sandramjet
Wed Jul 01, 2020 9:58 pm
Forum: Investing - Theory, News & General
Topic: How to analyze having a paid-off mortgage in retirement?
Replies: 104
Views: 6634

Re: How to analyze having a paid-off mortgage in retirement?

I plan to be debt free before retirement. Sure we will always have some type of car payment. But no mortgage! Really? I'm just the opposite... I never want to have a car payment. Why owe $ on a depreciating asset, with no possible tax advantage vs a mortgage on a (usually) appreciating asset with s...
by sandramjet
Thu Jun 25, 2020 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to ensure POA is acting in best interest of grantor?
Replies: 73
Views: 5031

Re: How to ensure POA is acting in best interest of grantor?

OP, what does your mother think about all of this? I read through the whole thread again and (perhaps I missed it) there seems to be no mention of this. That is not clear. Our mother shows signs of dementia, and basically just agrees with whatever anyone who is with her says. (She has always been c...
by sandramjet
Thu Jun 25, 2020 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to ensure POA is acting in best interest of grantor?
Replies: 73
Views: 5031

Re: How to ensure POA is acting in best interest of grantor?

Sorry this update has taken so long... lesson #1 is nothing seems to move fast in the legal world! So here's current status... we did retain a lawyer, who agreed that a) we should have standing, and b) my sister did not appear to living up to her responsibilities (co-mingling funds, using Mom's mone...
by sandramjet
Sat Jun 06, 2020 7:25 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6034
Views: 1404748

Re: What Movie Have You Recently Watched?

Just Mercy --
It tells the true story of Walter McMillian, who, with the help of young defense attorney Bryan Stevenson, appeals his murder conviction

Great movie for current times.
by sandramjet
Wed Jun 03, 2020 11:24 pm
Forum: Investing - Theory, News & General
Topic: Foresight question: did YOU make a killing on NECCO Sweethearts candy?
Replies: 51
Views: 6344

Re: Foresight question: did YOU make a killing on NECCO Sweethearts candy?

Seriously... does anyone know if NECCOs are still available anywhere? They were our "goto candy" for decorating the roofs of our Christmas gingerbread houses, and this last year we used up the last of the ones we have. Would love to get more.... not for eating, just for shingling :P
by sandramjet
Wed Jun 03, 2020 4:22 pm
Forum: Investing - Theory, News & General
Topic: Why Dollar Cost Averaging (DCA) is a mental accounting bias and should never be used [vs. lump sum]
Replies: 760
Views: 35131

Re: Why Dollar Cost Averaging (DCA) is a mental accounting bias and should never be used [vs. lump sum]

The really illogical thing I do is waste my time reading all these posts, when it is clear that no one is going to change anyone else's mind....
I will do what I choose to do, and not feel guilty if someone else (rightly or wrongly) thinks I am doing the wrong thing.
by sandramjet
Thu May 07, 2020 12:41 am
Forum: Personal Finance (Not Investing)
Topic: How Do Early Retirees Pay for Medical
Replies: 132
Views: 10348

Re: How Do Early Retirees Pay for Medical

Company provided early retirees with ability to stay on company plan till 65. :happy Could not have afforded it otherwise. Downside is when I move to Medicare my insurance costs will go up dramatically :(
by sandramjet
Mon May 04, 2020 12:55 pm
Forum: Personal Consumer Issues
Topic: Is a locking mailbox necessary or helpful, or more hassle than it's worth?
Replies: 43
Views: 2409

Re: Is a locking mailbox necessary or helpful, or more hassle than it's worth?

We were like you ... 20+ years with no problems. Until it happened ... and mail in our area started getting stolen. As luck would have it, we had a letter stolen from our mailbox that had one of our house keys in it (a friend had taken it home after house sitting for us, and mailed it back to us). S...
by sandramjet
Wed Feb 12, 2020 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1026
Views: 323499

Re: Retiree Portfolio Model - Base Model Adjustments

There is an input for "optional base case adjustment" on lines 219-224 of the setup page... However, I'm not quite sure I understand how to use it properly. The note says: Optional Base Case Adjustment: Making Roth conversions may require additional IRA withdrawals to fund Federal taxes. U...
by sandramjet
Fri Feb 07, 2020 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Roth, Long term care & tax avoidance
Replies: 10
Views: 992

Re: Roth, Long term care & tax avoidance

No idea how likely it is but both of my parents have had 24/7 assistance in home for the last 10 years to the tune of about 175k per year. They have not had to pay income taxes on their IRA wihdrawals yet
by sandramjet
Tue Feb 04, 2020 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1026
Views: 323499

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 sandramjet
Sun Feb 02, 2020 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1026
Views: 323499

Re: Retiree Portfolio Model

I have been using this tool for a few years now, and it is a great tool (Thank you Bigfoot48)! My problem is not in executing the model but in interpreting the results :? As I evaluate the results of different simulations, I find that the results often come down to very small differences over 30+ ye...
by sandramjet
Fri Dec 13, 2019 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: G vs G Prime
Replies: 45
Views: 2623

Re: Medicare: G vs G Prime

Since I am not yet at Medicare age, I am not familiar with all the plans and parts, so pardon my newbie question ... if you choose the Prime plan with high deductible, does that include medication costs or just doctor visits, hospital stays etc. That is, if you have a condition that requires regular...
by sandramjet
Wed Dec 11, 2019 12:13 am
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 1095
Views: 357802

Re: Variable Percentage Withdrawal (VPW)

longinvest wrote: Wed Dec 11, 2019 12:01 am Around age 80, if you're still alive, it is important to consider using part (but not all) of your remaining portfolio to buy an inflation-indexed Single Premium Immediate Annuity (SPIA),
And since those don't actually exist anymore, perhaps a revision is needed?
by sandramjet
Mon Nov 25, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Strategies for MRA+10 & Postponing the Pension until 62?
Replies: 10
Views: 860

Re: Strategies for MRA+10 & Postponing the Pension until 62?

Pardon my ignorance, but what does MRA, FEHB, TCC stand for?
by sandramjet
Mon Nov 18, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Costs of estate planning
Replies: 5
Views: 718

Re: Costs of estate planning

This is not a huge estate. By the end of my working years, if everything goes well, would be in the 5 to 10 million dollar range in today's dollars. Only on bogleheads is 5-10 million be considered "not a huge estate" :D Anyway, 5-7k is probably what you'd spend, based on my experience.
by sandramjet
Fri Nov 08, 2019 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Any way to "forfeit" income to avoid IRMAA cliff
Replies: 53
Views: 6413

Re: Any way to "forfeit" income to avoid IRMAA cliff

Well, I found one way to stay under at some of the IRMAA limits... have kids in college during these years and need to stay under the 160K limit for the AOTC!! That keeps me below the 170K IRMAA limit! :annoyed Frankly, with all the various tax phase in/out limits and steps, etc in the code, I've pr...
by sandramjet
Tue Oct 08, 2019 11:35 pm
Forum: Investing - Theory, News & General
Topic: What's a way to determin what is tax-efficient?
Replies: 14
Views: 1879

Re: What's a way to determin what is tax-efficient?

OP, I do not understand why you are asking this question. The ultimate determinant of tax-efficiency is the individual. Not the fund and/or ETF. You get to decide when to sell the fund/ETF and harvest the gain/loss. So, if you have 1 year or more in the emergency fund, you have the freedom to decid...
by sandramjet
Tue Oct 01, 2019 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1026
Views: 323499

Re: Retiree Portfolio Model

E.g., if one has $85,001 in other income and decides to withdraw $32K from a tIRA, thus reaching $107,001 MAGI, the marginal rate on that $32K is ((270.9+31.9)-(189.6+12.4))*12/(107001-85001) = 5.5% Not sure I follow this... 107-85 is 22k, not 32k... so are you saying that the 22K has a marginal ra...
by sandramjet
Sat Sep 14, 2019 8:39 pm
Forum: Investing - Theory, News & General
Topic: The best portfolios when the going gets rough
Replies: 72
Views: 8068

Re: The best portfolios when the going gets rough

My main concern about the author of the blog we're discussing here is not his vocation, but that he chooses to remain anonymous. This means that we'll just have to trust, or not, that a stranger is what he says and that his sources, motivations, and ideas are what he says they are. I don't understa...
by sandramjet
Sat Aug 17, 2019 12:37 am
Forum: Investing - Theory, News & General
Topic: Quick (without looking) what do you think YTD total return of US Bond Index is?
Replies: 46
Views: 4581

Re: Quick (without looking) what do you think YTD total return of US Bond Index is?

Why should anyone do this especially without looking? I try not to guess about any thing financial....seems like a way to get in trouble. And if this is just an exercise to make some one feel smarter than me because they know the answer, fine...i already know I'm not the smartest person around. In s...
by sandramjet
Sat Jul 20, 2019 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Off Mortgage Question
Replies: 77
Views: 7495

Re: Paying Off Mortgage Question

This is really a bit of an apples and oranges question ... You are really asking yourself "should I take a stable return now, or increase my risk in hopes of a greater reward later"? Paying off the mortgage is a known return, with little risk. On the other hand, putting the money aside in ...
by sandramjet
Mon Jul 15, 2019 12:32 am
Forum: Personal Consumer Issues
Topic: Want a 2 in 1 laptop
Replies: 28
Views: 3147

Re: Want a 2 in 1 laptop

I used to have an HP Spectre X2, but the battery died in only about a year... now I use a Lenovo Thinkpad X1 and love it.
by sandramjet
Fri Jun 21, 2019 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to ensure POA is acting in best interest of grantor?
Replies: 73
Views: 5031

Re: How to ensure POA is acting in best interest of grantor?

Thanks for the inputs
Will update when I get info from lawyer
by sandramjet
Wed Jun 19, 2019 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to ensure POA is acting in best interest of grantor?
Replies: 73
Views: 5031

Re: How to ensure POA is acting in best interest of grantor?

Are you referring to a formal DPOA document within a comprehensive estate plan or are you referring to those POA forms issued by individual custodians that give others full access to financial accounts? I was referring to the former. Sister has the former... DPOA as part of estate plan/documents. I...
by sandramjet
Tue Jun 18, 2019 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to ensure POA is acting in best interest of grantor?
Replies: 73
Views: 5031

Re: How to ensure POA is acting in best interest of grantor?

Thanks for the inputs... here's a few more details... Sister has a durable POA for healthcare and financial. It was set up perhaps 10 years ago. Sister does not manage the investment portfolio; there is a family financial planner who does that. We (4 children) are supposed to meet 1-2x a year to rev...
by sandramjet
Tue Jun 18, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to ensure POA is acting in best interest of grantor?
Replies: 73
Views: 5031

How to ensure POA is acting in best interest of grantor?

I have a sister who has durable power of attorney for our elderly mother, who is home bound with caregivers. However, she is unwilling to share any meaningful sort of information about mom's finances with us. I have access to one of the accounts that mom uses (supposedly her main checking account), ...
by sandramjet
Mon Jun 17, 2019 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One will only send security notices if you let them spy on you once in a while
Replies: 46
Views: 3495

Re: Capital One will only send security notices if you let them spy on you once in a while

Subject: We've updated your Paperless Terms Open emails regularly to continue receiving notifications. Re: Your Capital One account ending in XXXX [My Name], Recently, we updated the Paperless Terms & Conditions for your account. We'’ve modified the Terms to make it clear that you'’ll need to o...
by sandramjet
Tue Jun 11, 2019 4:59 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 1095
Views: 357802

Re: Variable Percentage Withdrawal (VPW)

Ok, that was not clear that you have to change 2 cells, not just mark it as "Already Started". It would seem more intuitive to me if it is marked as "already started" that would automatically clear the "start age" cell if that is needed. Or at least indicate that in the...
by sandramjet
Tue Jun 11, 2019 4:49 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 1095
Views: 357802

Re: Variable Percentage Withdrawal (VPW)

Thanks, that did solve the problems I was seeing. But now I have another (or user error). For grins I was just testing how things look as I change the age. If I put in an age of say 80, and SS starting at 70, it shows an error (I set "already started" to yes). In fact it seems like anytime...
by sandramjet
Tue Jun 11, 2019 11:38 am
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 1095
Views: 357802

Re: Variable Percentage Withdrawal (VPW)

I downloaded the excel sheet and tried the "retirement" page ... but I get nothing but a lot of #N/A errors, and I see that there are functions in cell B6 that don't seem to be supported ?? Also, if I set my inputs to no pensions, I get lots of DIV/0 errors. Suppose I don't have any pensio...
by sandramjet
Mon Jun 10, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to buy Part D if you are subject to IRMAA?
Replies: 43
Views: 2827

Re: Does it make sense to buy Part D if you are subject to IRMAA?

I guess I don't understand how IRMAA plays into this? (Serious question, I don't get that connection)

Isn't this the same as asking "Should I buy Part D"? And doesn't that just depend on whether you have other coverage or resources for drug coverage?
by sandramjet
Mon Jun 03, 2019 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1026
Views: 323499

Re: Retiree Portfolio Model

You can also unprotect the sheet (on Review tab), then click on the one you want, resize it, then re-protect the sheet.
by sandramjet
Fri May 03, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Rotational Program at MegaCorp for college grad hires
Replies: 40
Views: 2823

Re: Rotational Program at MegaCorp for college grad hires

So how does he know that the next rotation will be not nearly as good as the first? Does he have a crystal ball that can predict the future? Part of a rotation program is to find people who can do well in all situations, not just who are good in one spot. And as for hiring people at higher salary th...
by sandramjet
Fri May 03, 2019 1:42 pm
Forum: Investing - Theory, News & General
Topic: Estimating the rate of return on Social Security
Replies: 34
Views: 3108

Re: Estimating the rate of return on Social Security

IMHO, the problem with all of this is that it fundamentally is thinking about SS as an investment, while you should view it as insurance. Do you calculate the return on your homeowners or car insurance? ( If I did, it would be way more "negative" than SS. ) Instead, ask yourself what would...
by sandramjet
Sat Apr 27, 2019 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Is ACH Billpay risky?
Replies: 47
Views: 4542

Re: Is ACH Billpay risky?

I have been doing both kinds for over 20 years now. The only time I have ever had a problem has been with the "push" kind, where my bank said it sent a payment, the receiving party said it never got it. Since I wasn't doing a "pull", the receiving party said it was up to me and m...
by sandramjet
Tue Mar 05, 2019 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1026
Views: 323499

Re: Retiree Portfolio Model

ages and settings Starting Ending . First year 2019 2058 Years to forecast 40 End Age Model End . Your age 62 80 101 Spouse age 60 99 I'm not sure I understand ... are you setting ending ages for both you and your spouse, shorter than what the model end is? (I have always just selected one or the o...
by sandramjet
Tue Mar 05, 2019 1:12 am
Forum: Personal Investments
Topic: H&R Rep says Backdoor Roth closed/changed..now what?
Replies: 25
Views: 3016

Re: H&R Rep says Backdoor ROTH closed/changed..now what?

interestediniras wrote: Tue Mar 05, 2019 12:59 am The new tax law does not permit recharacterization of Roth IRA contributions to Traditional IRA contributions in taxable year 2018.
I don't believe that is true. You can not recharacterize CONVERSIONS, but you should still be able to recharacterize CONTRIBUTIONS if you earned too much
by sandramjet
Sun Mar 03, 2019 1:44 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 1524
Views: 125388

Re: My trend following strategy and experience

The UK stock market's over 80 per cent real drop 1973 to 1975 was an impressive demonstration of how bad things can get. I'm not at all convinced that I could hold on to equities through an 88% drawdown (I believe that was the max drawdown in the Great Depression). Frankly, I'm really not sure how ...