Search found 165 matches

by sandramjet
Fri Dec 08, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 338
Views: 130519

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: 8239

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: 1375

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: 12998

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...
by sandramjet
Wed Nov 08, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Do hospitals provide maternity package?
Replies: 6
Views: 510

Re: Do hospitals provide maternity package?

One other possibility for lower cost would be to look for a different approach. We have a friend who just had a baby, but no insurance to cover it. She found it much less expensive to use a local birth center and midwife. Admittedly, she was a low risk pregnancy (the birth center doesn't do any othe...
by sandramjet
Sun Nov 05, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 308
Views: 22253

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

I would "guess" the Bolt with a max. of 50 kW vs. Tesla 120 kW. Would take 2-3X longer with a DC fast charge. Level 2 chargers would be around 7 kW, or around 15x longer. Thanks for the datapoint. Anyone have a sense of how easy it is to find DC fast charge or Level 2 charge stations for Bolt compa...
by sandramjet
Sat Nov 04, 2017 11:28 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 308
Views: 22253

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

I would "guess" the Bolt with a max. of 50 kW vs. Tesla 120 kW. Would take 2-3X longer with a DC fast charge. Level 2 chargers would be around 7 kW, or around 15x longer. Thanks for the datapoint. Anyone have a sense of how easy it is to find DC fast charge or Level 2 charge stations for Bolt compa...
by sandramjet
Sat Nov 04, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 308
Views: 22253

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

I'd like some input from the folks that own EV's (especially Tesla/Bolt). Here's some of my thoughts: --The more that the model 3 gets delayed, the more likely it is that there won't be a 7.5k credit for it. A Bolt could be bought today with the credit --One of the attractive points (in my opinion) ...
by sandramjet
Sat Nov 04, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Auto Injury / Chiropractor?
Replies: 26
Views: 738

Re: Auto Injury / Chiropractor?

There are some good DOs, but osteopathic manipulation is pseudo-science at best and at worst, can cause strokes or kill. Osteopathic physicians are also more likely to engage in other fraudulent treatments like chelation therapy. And of course, there aren't any fraudulent or bad MD's out there... D...
by sandramjet
Wed Nov 01, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 308
Views: 22253

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

Is it just me or does it seem like every discussion about tesla and whether it is worth it ends up as a back and forth on side issues (like whether Musk is snake oil salesman, whether emissions claims are valid, whether electric cars in general will ever replace gas cars, etc., etc)? The information...
by sandramjet
Sat Oct 28, 2017 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: What is on your Pre and/or Post Retirement Bucket List?
Replies: 23
Views: 1885

Re: What is on your Pre and/or Post Retirement Bucket List?

In no particular order....

1) Climb Mt Fuji as we visit with some of our former exchange students
2) Climb Kilimanjaro
3) Safari
4) Camp around the US/Canada
by sandramjet
Thu Oct 26, 2017 2:02 pm
Forum: Investing - Theory, News & General
Topic: Career advice: Ok to work as a Commission-Based FA?
Replies: 18
Views: 1311

Re: Career advice: Ok to work as a Commission-Based FA?

Sounds like someone is trying to turn you to the dark side....
by sandramjet
Mon Oct 23, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Dividing monies from Trust per the will
Replies: 21
Views: 1637

Re: Dividing monies from Trust per the will

bsteiner wrote:
Mon Oct 23, 2017 10:42 pm
Gill wrote:
Mon Oct 23, 2017 7:57 pm
... The trustee sends out the tax form which is a K-1, not a k9. ...
Might it be a K-9 if it's a pet trust?
Good one! Gotta love it! :D
by sandramjet
Sun Oct 08, 2017 12:41 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 195
Views: 14399

Re: [Prevent mail theft; sign for USPS Informed Delivery]

Generally I've liked this ... get to see what's coming in the mail, usually junk mail. Today I found out one downside ... I got the email and it shows an official looking document from IRS is coming. Then you spend the next few hours racking your brain for what it could be ... and envisioning the wo...
by sandramjet
Fri Oct 06, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 14
Views: 1249

Re: Washington GET 529 Reopened: Good deal?

We dont so far plan to do it as I think there is a good chance our kids will go out of state (especially since i want them to go somewhere warmer so i can visit to escape winter) The deal doesn't seem so good if your kid goes out of state why does it matter where your kids go to school? Agreed... y...
by sandramjet
Mon Oct 02, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: Question on Roth Conversion theory
Replies: 23
Views: 1322

Re: Question on Roth Conversion theory

Whether it is smart or not depends on other things as well, such as if either have existing pre-tax IRA's, etc...
by sandramjet
Fri Sep 29, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: VG ETF settlement dates? is it 1 day? or?
Replies: 12
Views: 600

Re: VG ETF settlement dates? is it 1 day? or?

Yes, this is a "normal" warning... it just says you can't sell the shares you are currently buying BEFORE the previous trade that generated the cashh to buy settles.
by sandramjet
Fri Sep 29, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Accounts
Replies: 41
Views: 3093

Re: Vanguard Brokerage Accounts

Bogleheads - I have a few questions related to the Vanguard Brokerage Accounts otherwise known as the "upgrade" that is noted on the website. Overall How has the new brokerage accounts worked for you? Do you like them better than mutual fund accounts? Dividend Income & Fractional Shares Does a brok...
by sandramjet
Mon Sep 25, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Proposing a standard for asset allocation notation: 60+15/25
Replies: 12
Views: 1365

Re: Proposing a standard for asset allocation notation: 60+15/25

Could I suggest: 60+15/25 That represents a 75% stocks, 25% bonds, with 20% of the stock allocation in international. Maybe I'm a bit slow... but how would I know that 20% of the allocation is international? I don't see a "20" anywhere in there. BTW, what would be wrong with just doing 60/15/25 (US...
by sandramjet
Mon Sep 25, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 12319

Re: Lifestyle Creep

JBTX wrote: For years we are 2 income family and have done a good job of controlling the big expenses - our house is modest for our income and the most we've ever spent on a car is $24 and we tend to run them to the ground.
Wow... I wish I could figure out how to get a car for $24!
by sandramjet
Mon Sep 25, 2017 12:28 am
Forum: Forum Issues and Administration
Topic: How to make a first post?
Replies: 5
Views: 928

Re: How to make a first post?

I agree with Taylor that I think it should be more obvious. At the very least, if the expectation is that you would go to the FAQ's to find that info, why not put a link to the FAQ's on the home page as well as in the forum pages? Seems like there are a lot of little things that you have to know (or...
by sandramjet
Thu Sep 21, 2017 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: IRA to Roth conversion now (age 68) or RMD?
Replies: 29
Views: 1898

Re: IRA to Roth conversion now (age 68) or RMD?

patrick013 wrote:
Wed Sep 20, 2017 7:20 pm
Married filing jointly has a 25% tax rate for AGI between
$75901 and $153100.
I thought brackets were based on taxable income, not AGI?
by sandramjet
Mon Sep 11, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: 24 care home care for family member
Replies: 23
Views: 2440

Re: 24 care home care for family member

Based on our family's experience ... Not cheap, but very doable if you are willing to put time & money into it. Our experience has been very positive, and we have not had any issues with theft, etc. It does take someone in family willing to manage all the care givers (you will need to have more than...
by sandramjet
Mon Sep 04, 2017 9:06 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 63884

Re: Forum software upgrade bug reports and change requests

I use desktop/tablets... not mobile (I'm one of those who still use a flip phone!)
by sandramjet
Mon Sep 04, 2017 5:11 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 63884

Re: Forum software upgrade bug reports and change requests

Apologies if this was covered in earlier posts (i didn't see it)... but the "page numbers" on the main page are no longer shown... so that means I have to click on the first page, then click on the page number to jump to a given page. This seems to be a step backward... requiring more clicks rather ...
by sandramjet
Mon Aug 28, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Laptop: 2-in-1 vs. Detachable?
Replies: 21
Views: 1790

Re: Laptop: 2-in-1 vs. Detachable?

I have an HP Spectre X2 (which is really sort of a Surface Pro imitation) with a keyboard that can either detach or just fold back on itself... I find rarely detach it (maybe cause I'm afraid I'll lose it??) and usually just fold it back. I find that arrangement works well, and is just as comfortabl...
by sandramjet
Wed Aug 16, 2017 11:18 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 63884

Re: Forum software upgrade bug reports and change requests

When I scroll to the bottom of a topic page, there is a link to go back to topic index, but it appears there is not a link to go back to the main board index. In hte past I recall there were 2 links ... one to the board index, and one to the main page index (that which you get from clicking the link...
by sandramjet
Tue Aug 01, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 35692

Re: Tesla Model 3 or Chevy Bolt?

I have a feeling Tesla will start to include the enhanced autopilot feature as standard once the Federal tax credit ends, to compensate for that loss. Since the cars will have all of the hardware necessary, it won't be difficult to do. That would tick me off since I paid 5k and it still drives like...
by sandramjet
Mon Jul 31, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 35692

Re: Tesla Model 3 or Chevy Bolt?

TomatoTomahto wrote: folks with the colorful lights on their cars will stop me if I take off more clothes than I should when the cabin is warmer than I like
Now that's a mental picture I did not expect to get from this forum! :D
by sandramjet
Sun Jul 30, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Estimate for painting home interior
Replies: 19
Views: 2116

Re: Estimate for painting home interior

Not unlike my experience... Called 6 painters, each came out and walked through house. One came back with "Gosh, its a big job. How about if we start just going hourly and then see how its going", one (well known locally) came back with a very professional estimate, including what would be done, and...
by sandramjet
Sat Jul 08, 2017 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 338
Views: 130519

Re: Retiree Portfolio Model

I have a question regarding the philosophy behind the social security calculations and display...where one is modeling the earlier death of a spouse (like George in your provided example), why is his social security benefit still being paid out after his death? If you play around with the model I t...
by sandramjet
Fri Jul 07, 2017 12:08 am
Forum: Personal Consumer Issues
Topic: Task management / organizing app
Replies: 52
Views: 2384

Re: Task management / organizing app

My spouse and I just use google calendar on our mobile devices (and desktop too). You can have more than one calendar visible, color coded by person so you see who is doing what. Maybe not perfect, but free and easy
by sandramjet
Thu Jul 06, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do you keep a balance in your settlement fund?
Replies: 30
Views: 3320

Re: Do you keep a balance in your settlement fund?

Hmmm... I thought mine had been upgraded... all my accounts show a mix of stocks/etf/funds in same account ... is there some way to tell if they are "old" or upgraded? I'd hate to ask Vanguard and have it cause a change! :?
by sandramjet
Thu Jul 06, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do you keep a balance in your settlement fund?
Replies: 30
Views: 3320

Re: Do you keep a balance in your settlement fund?

Under the old system, you could keep a $0 balance in your settlement acct. and they would automatically transfer the exact amount of money from your Prime MM to cover any check you wrote. Under the new "upgrade", that's no longer true. If you don't have enough $$ in your settlement acct., your chec...
by sandramjet
Sun Jul 02, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Transfers (Account Owners/Beneficiary)
Replies: 1
Views: 274

529 Transfers (Account Owners/Beneficiary)

I would like to get some advice on what can be done with regard to 529 plan transfers. I know that you can change beneficiaries to other siblings, etc. but in this case there is a question of changing both account owner and beneficiary. Here's an outline of situation Person A opened a 529 for Person...
by sandramjet
Tue Jun 27, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 31014

Re: Where to Live on $60K or Less a Year?

Have you considered some places further west? For example, what about a location like Spokane, WA. (I think it comes close to most of your criteria) or perhaps places in eastern Oregon or Idaho?
by sandramjet
Mon Jun 26, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Looking into selling a structured settlement and need some advice
Replies: 66
Views: 4789

Re: Looking into selling a structured settlement and need some advice

TOPSZN wrote:Just as an update, they did update their offer to 1,120,000.
I think the fact that they are updating their offer is further evidence this is not a good deal for you. They are simply trying to get it for the lowest cost from you, and maximize profit for them...
by sandramjet
Tue Jun 13, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 607
Views: 162531

Re: Share your net worth progression

We've estimated that the last one probably cost us an extra $90,000 - $100,000 total since was born in 2012. Maybe a little more. That is on the high side considering the following quote: The average cost of raising a child born in 2013 up until age 18 for a middle-income family in the U.S. is appr...
by sandramjet
Tue Jun 13, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Lithium ion yard equipment batteries
Replies: 19
Views: 1455

Re: Lithium ion yard equipment batteries

I had a Toro battery powered mower for years and loved it. It didn't have any fancy batterys, just basic conventional ones....much to my surprise the batteries outlasted the rest of the mower. But when I replaced it 3 years ago, I "upgraded" to a Kobalt Li-Ion mower. :oops: Specs looked much better,...
by sandramjet
Sun Jun 11, 2017 7:00 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 8744

Re: Poll: Stock Ownership

So how representative a cross section is this poll? How many responses relative to boglehead membership?
by sandramjet
Sat Jun 10, 2017 4:32 pm
Forum: Investing - Theory, News & General
Topic: Using Funded Ratio to drive retirement investment plan - Part 1 of Funded Ratio series
Replies: 116
Views: 12998

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

I know I have commented on this before, and probably I just don't get it... but while I see the usefulness of the FR for assessing where you are relative to a defined goal, the problem as I see it is setting that goal. The suggestion is that about 15 years before retirement you start moving your por...
by sandramjet
Thu Jun 08, 2017 2:39 pm
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 103
Views: 8550

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

If you own the whole market, you can brag that you do in fact own ALL of those!
by sandramjet
Thu Jun 08, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with a personal finance cynic
Replies: 109
Views: 7571

Re: How to deal with a personal finance cynic

I would point him to the wiki first to get basic understanding. Don't have him look at the forums until he understands the basics (including how things scale). I also think that if you read the forum, you are more likely to feel like this is a forum of "1%ers" than of "ordinary" folks. Yes, you can ...
by sandramjet
Wed Jun 07, 2017 12:57 pm
Forum: Investing - Theory, News & General
Topic: The Funded Ratio over the LifeCycle - Part 3 of Funded Ratio series
Replies: 16
Views: 2012

Re: The Funded Ratio over the LifeCycle - Part 3 of Funded Ratio series

Thanks for all the various papers on the covered call strategy. I have not read through all of them, but of the ones that I did, they seem to all have various disclaimers such as using option strategies may be tax inefficient, or transaction costs and fees may are not included, etc. (This is what I ...
by sandramjet
Tue Jun 06, 2017 8:04 pm
Forum: Investing - Theory, News & General
Topic: The Funded Ratio over the LifeCycle - Part 3 of Funded Ratio series
Replies: 16
Views: 2012

Re: The Funded Ratio over the Life-Cycle -Part 3 Funded Ratio

Such a strategy slightly reduces the expected return on the equity position, but in return the volatility of the equity position is significantly reduced. Using covered calls on the equity portion of the portfolio increases the probability of the investor reaching his income goal, but at the cost o...
by sandramjet
Tue Jun 06, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 338
Views: 130519

Re: Retiree Portfolio Model

I just noticed something by accident, and wonder if it is by design or not... I created a model and did not bother to put an "ending" age in for one of the two people. Interestingly, that means that the "age for switching to single" tax model was shown as "0", and more surprising (at least to me) wa...
by sandramjet
Thu Jun 01, 2017 6:20 pm
Forum: Investing - Theory, News & General
Topic: What makes a Conservative BHer? for retirement purposes
Replies: 16
Views: 1682

Re: What makes a Conservative BHer? for retirement purposes

My question would be "why do I care"? :confused This is one of those things that is completely subjective (what is conservative for one might be aggressive for someone else).... and in the end why does it matter? Why do we need to "label" things? All I need to know is whether I believe I will have e...
by sandramjet
Mon May 29, 2017 10:33 am
Forum: Investing - Help with Personal Investments
Topic: EE and I Bonds
Replies: 44
Views: 4753

Re: EE and I Bonds

Why would you plan on holding I Bonds at 0% real for 20 years with the 20-year TIPS yield at 0.77%? Daily Treasury Real Yield Curve Rates . Kevin That's why I'm not buying iBonds ... I'm spoiled by the ones I have that are paying from about 1 to 3 percent fixed + adjustment.... Of course, those hav...
by sandramjet
Mon May 22, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: treasurydirect conversion account transfer question
Replies: 17
Views: 2089

Re: treasurydirect conversion account transfer question

When I follow these directions, it shows a statement that says in part: "I also certify that this transfer is for the purpose of making a gift (or in response to a final judgement....." Is it safe to assume that moving from a conversion account to the regular account would qualify as "making a gift"...
by sandramjet
Wed May 03, 2017 11:20 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 33880

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

I interpret this as being the same as saying : (3Factorial * 4Factorial) /(5 Factorial). Which is

(1*2*3)*(1*2*3*4)
--------------------- which is the same as 6/5 = 1.2
1*2*3*5