Search found 211 matches

by sandramjet
Mon Jun 18, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 148
Views: 14882

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: 3363

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: 112
Views: 5405

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: 5502

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: 1976

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: 1012

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: 2431

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: 20
Views: 1733

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: 2214

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: 1067
Views: 84335

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: 1067
Views: 84335

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: 406
Views: 153203

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: 709

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: 468

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: 1067
Views: 84335

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: 1939

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: 2193

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: 236

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: 9004

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: 3261

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: 408
Views: 43649

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: 6
Views: 425

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: 6
Views: 425

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: 1067
Views: 84335

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: 1067
Views: 84335

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: 14
Views: 2552

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: 1216

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: 6988

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: 406
Views: 153203

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: 2801

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: 2801

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: 11450

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: 4390

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 ...
by sandramjet
Sat Jan 06, 2018 12:47 am
Forum: Investing - Help with Personal Investments
Topic: Do I need $$ in taxable?
Replies: 26
Views: 4390

Re: Do I need $$ in taxable?

Thanks for the thoughts!
by sandramjet
Fri Jan 05, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need $$ in taxable?
Replies: 26
Views: 4390

Re: Do I need $$ in taxable?

Ok, I guess I wasn't clear in what I am wondering. Basically, the question is there any reason in retirement to have a taxable account. Why not just use a Roth account in lieu of the taxable? Example: Imagine that I have $0. in taxable. All assets are in tIRA accounts. So any money withdrawn from tI...
by sandramjet
Fri Jan 05, 2018 1:38 am
Forum: Investing - Help with Personal Investments
Topic: Do I need $$ in taxable?
Replies: 26
Views: 4390

Do I need $$ in taxable?

I plan to be withdrawing from my tIRA between 60 and 70 when SS kicks in. I'm trying to decide whether I bother to withdraw to my taxable account, or just skip that and go straight to a Roth. That is, since after 59.5 you can withdraw from Roth (which has been open for more than 5 years) penalty fre...
by sandramjet
Thu Jan 04, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: "VB Account Agreement"--Checkwriting? No written orders? What IS this really about?
Replies: 16
Views: 1597

Re: "VB Account Agreement"--is checkwriting on death row? What IS this really about?

Hmmm... I read this somewhat differently, and without so much alarm. I interpret this to mean that if my mutual fund account is converted to a brokerage account, they will honor existing checks for that mutual fund for only 45 days. After that, it will be automatically terminated. And I presume you ...
by sandramjet
Tue Jan 02, 2018 2:39 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153203

Re: Retiree Portfolio Model

I quickly tried out this version, and haven't checked everything carefully yet. But when I look at the "Results" tab, the chart titled "Marginal Rates" seems to show the old rates (25, 28 percent, etc). Also, maybe it is just because I have to get used to the new look, but I kind of miss the summary...
by sandramjet
Tue Jan 02, 2018 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153203

Re: Retiree Portfolio Model

Does the tax model include the reversion to the current brackets in ten years back to what they are today?
by sandramjet
Mon Jan 01, 2018 9:42 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 154
Views: 11067

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

2792.12, and I really hope it is much too low!
by sandramjet
Mon Dec 25, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay ZERO taxes in retirement with 6-figure expenses
Replies: 201
Views: 108556

Re: How to pay ZERO taxes in retirement with 6-figure expenses

Unfortunately, to us the new tax law at best breaks even.... and since (unlike livesoft), nearly all of my income is taxable (either W-2 salary, pensions or tIRA), and no TLH losses (whatever I do have in small taxable accounts show very large gains), we are seemingly on the opposite end of the spec...
by sandramjet
Thu Dec 21, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 57874

Re: Tax Bill Omnibus Thread

Anyone know if there are any changes in the deductibility of EE/I bonds used for education (or using proceeds to fund a 529 plan)? Good question - does anyone know? I was hoping to deduct I bond interest in 2018 to fund a 529. I already did so in 2017. Just kinda bumping this because it feels like ...
by sandramjet
Thu Dec 21, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 57874

Re: Tax Bill Omnibus Thread

Anyone know if there are any changes in the deductibility of EE/I bonds used for education (or using proceeds to fund a 529 plan)? Good question - does anyone know? I was hoping to deduct I bond interest in 2018 to fund a 529. I already did so in 2017. Just kinda bumping this because it feels like ...
by sandramjet
Wed Dec 20, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 57874

Re: Tax Bill Omnibus Thread

Anyone know if there are any changes in the deductibility of EE/I bonds used for education (or using proceeds to fund a 529 plan)?
by sandramjet
Tue Dec 19, 2017 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to model my portfolio--but I think I "broke" i-ORP and RPM!
Replies: 8
Views: 1009

Re: Trying to model my portfolio--but I think I "broke" i-ORP and RPM!

The README file of the RPM explains that the tool “cannot calculate the taxes on withdrawal of funds containing unrealized capital gains in a taxable account.” But this calculation is crucial in my case for an accurate starting point. As I understand it, this is not quite correct. There is a place ...
by sandramjet
Thu Dec 14, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: How Will Indexers Affect A Downturn---or the functioning of the market in the long-run?
Replies: 30
Views: 3435

Re: How Will Indexers Affect A Downturn---or the functioning of the market in the long-run?

Lately I've been wondering about macro-economic questions that come out of the news that Vanguard had taken in more than its next 8 competitors, a staggering $823 billion (and counting)...as opposed to the piddling $97 billion of the next eight firms. Those numbers, from August, are higher now of c...
by sandramjet
Fri Dec 08, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153203

Re: Retiree Portfolio Model

What would be your recommendation with regard to looking at Roth conversion scenarios with RPM? My recommendation is to set asset allocation and estimated returns in each account to what the user actually holds and expects in them. I think that will result is a better forecast doing conversions as ...
by sandramjet
Thu Dec 07, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 9676

Re: Growing Number of Electric Vehicles

Let's throw some cold water on the title of this thread. The # of electric vehicles is still small potatoes, miniscule amount compared to number of gasoline/diesel vehicles sold in the US. Here is a picture of the 2017 H1 sales. All EV's combined for the 6 months was a little more than a month of t...
by sandramjet
Thu Nov 23, 2017 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Bucket or Rebalance ?
Replies: 17
Views: 1581

Re: Bucket or Rebalance ?

livesoft wrote:
Thu Nov 23, 2017 8:59 am
I wonder what Richard Thaler says about a cash bucket.
Why should we care what he (or anyone else) says about it? I get that it might not be some theoretical best practice, but as someone else says "there are many roads to Dublin".
by sandramjet
Mon Nov 20, 2017 3:22 pm
Forum: Investing - Theory, News & General
Topic: Using Funded Ratio to drive retirement investment plan - Part 1 of Funded Ratio series
Replies: 116
Views: 15764

Re: Using Funded Ratio to drive retirement investment plan - Part 1 of Funded Ratio series

siamond wrote:
Mon Nov 20, 2017 3:04 pm
Now, if we come to a core definition like I did in my post, then things become mathematically consistent.
What post is that? The link seems to go to just a reply form...