Search found 2776 matches

by BigFoot48
Fri May 22, 2020 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model

Rajsx wrote:
Fri May 22, 2020 1:34 pm
I downloaded The Retiree Portfolio Model, it asks me to buy Microsoft 365 (Office).

Bigfoot, Is there a way to try RPM without buying the Office ?

Thanks
The best free alternative is LibraOffice Calc. The list of alternatives tested is on the Readme page.
by BigFoot48
Thu May 21, 2020 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 351
Views: 27192

Re: [Government stimulus payments]

Received our $2,400 check today. For some reason I thought it was going to be a direct deposit, based on checking the IRS link a month ago. Update, based on below comment: Get My Payment says our checks will be mailed tomorrow too!
by BigFoot48
Wed May 20, 2020 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model

I started with v20 so I have not had to clear and load the data into a new version yet so this is a good test for me. I am working on various deviations of "~/Downloads/Retiree Portfolio Model v20.0.xlsm" each time taking and adding the directory and extension to see if the copy function can find m...
by BigFoot48
Wed May 20, 2020 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model

BHs, Barsoom did an outstanding job adding a Monte Carlo simulator to the current version of RPM. Anyone wanting to see how this forecasts their portfolio results should check it out. As of now this will be a Beta/Alternative version that he will support. By leaving the Excel model open there have b...
by BigFoot48
Mon May 04, 2020 2:21 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55556

Re: How to get Toilet Paper ? seriously.

Went to Costco this morning at 10:30 and never saw so much Costco toilet paper since becoming a Price Club member all those decades ago.

Image
by BigFoot48
Sat Apr 18, 2020 9:59 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 351
Views: 27192

Re: [Government stimulus payments]

Had to sign up my 92YO widowed-MIL on the IRS Find My Payment site yesterday to get her payment authorized. Needed personal info, 2019 tax return data, and bank account data. I wondered if this was required since her SS deposits go to a BofA account and her Fed tax payment has been coming from her S...
by BigFoot48
Sat Apr 18, 2020 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model

sampaine wrote:
Sat Apr 18, 2020 8:18 am
For the link to 20.1 I get a 404 error.
Thanks. Link in announcement post above worked but the one in post #1 got truncated. Fixed.
by BigFoot48
Wed Apr 15, 2020 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model

An updated version of RPM is now available. This update adds an option to set 2020 calculated RMD amounts to zero that may be required in any of the two IRAs or two inherited IRAs. This can be selected via a setting in the Modeling Options section on the Setup page. This is a result of a provision i...
by BigFoot48
Sat Apr 11, 2020 8:51 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 351
Views: 27192

Re: just got my $1200 stimulus payment

Nothing in my checking account as of this morning and I need it as I spent $1,199+tax for a new TV at Costco yesterday. Doing my part to keep the economy chugging along. Quite the TV! In today’s age you can get a lot of TV for $500. Good on you. Yes, it's remarkable how inexpensive they are these d...
by BigFoot48
Sat Apr 11, 2020 8:39 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 351
Views: 27192

Re: just got my $1200 stimulus payment

Nothing in my checking account as of this morning and I need it as I spent $1,199+tax for a new TV at Costco yesterday. Doing my part to keep the economy chugging along.
by BigFoot48
Fri Apr 03, 2020 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA RMD, yes or no??
Replies: 3
Views: 460

Re: Inherited IRA RMD, yes or no??

Schwab had a summary of this but I believe the liquidation period is up to 10 years if starting under the SECURE Act provisions: 3. Does the waiver apply to inherited IRAs? Yes. The waiver extends to inherited IRAs (including stretch IRAs), as Schwab interprets the law. It even appears that inherite...
by BigFoot48
Tue Mar 31, 2020 11:08 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55556

Re: How to get Toilet Paper ? seriously.

Went to Costco today at 7:30 for the 8:00 senior opening and got an surprise in the top 10 of my life - there were, I estimate, a 500 seniors in line waiting for it to open. A Costco guy said they start arriving at 4:30. When I was driving to it a few blocks away from it I noticed little traffic lea...
by BigFoot48
Mon Mar 30, 2020 9:24 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55556

Re: How to get Toilet Paper ? seriously.

I have been checking the Costco site multiple times daily the past week for the Costco brand of 30 rolls. and it has been "out". Once it showed available but when I tried to place an order it said "not available in your zipcode". An hour ago I checked again and it was available (one per customer) an...
by BigFoot48
Mon Mar 30, 2020 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model

I am considering retiring early (age 55) and, therefore, would need to sequence the withdrawals such that taxable accounts are drawn down first in early retirement until age 60 instead of the IRA accounts. Is there a way to force the sequence of withdrawals and also have the tool recommend the annu...
by BigFoot48
Wed Mar 25, 2020 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to Model IRMAA costs throughout Retirement
Replies: 9
Views: 592

Re: How to Model IRMAA costs throughout Retirement

WoodSpinner wrote:
Wed Mar 25, 2020 5:31 pm
Many thanks! You have built a great tool—it’s clear a lot of work and thought went into it.

WoodSpinner
Thanks very much. I've had a lot of BH help over the years to help make it what it is now.
by BigFoot48
Wed Mar 25, 2020 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to Model IRMAA costs throughout Retirement
Replies: 9
Views: 592

Re: How to Model IRMAA costs throughout Retirement

You are correct about the non-inflation adjusting that RPM and PFT use. If one uses real - instead of nominal - returns, that is appropriate. RPM escalates the Medicare Premiums and IRMAA Surcharge Tiers by the user-adjustable Federal tax yearly escalation factor, which is 2% beginning for the 2021...
by BigFoot48
Mon Mar 23, 2020 4:19 pm
Forum: Personal Investments
Topic: My inherited IRA is worth 5k LESS today than in 2015
Replies: 10
Views: 568

Re: My inherited IRA is worth 5k LESS today than in 2015

It occurred to me that I'd sure like my 2020 RMD to be based on say the March 31, 2020 balance rather than December 31, 2019.
by BigFoot48
Wed Mar 18, 2020 7:00 pm
Forum: Investing - Theory, News & General
Topic: Updated 3/18 - "You can't hide in bonds" article
Replies: 183
Views: 9989

Re: "You can't hide in bonds" article

I find it disturbing to see all the funds in my 40/60% 3-fund portfolio in the red today.
by BigFoot48
Mon Mar 16, 2020 6:56 pm
Forum: Personal Investments
Topic: roth IRA conversion
Replies: 5
Views: 367

Re: roth IRA conversion

Is there a tool which takes relevant input and suggest if it is worth doing roth conversion from tIRA? I recommend the Excel Retire Portfolio Model which was designed to help in that decision. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=97352&p=1405885#p1405885 But i-ORP is a lot easier!
by BigFoot48
Mon Mar 16, 2020 6:36 pm
Forum: Personal Investments
Topic: Safety of Money Market Funds Currently
Replies: 149
Views: 11902

Re: Safety of Money Market Funds Currently

I decided based on comments in this brief thread to sell my $20k SWVXX holding this morning, as there's no cost of doing that. I will leave it in cash for awhile to see how things evolve. The minor interest loss is of no concern. Stay the course, except for minor course corrections! When you sell S...
by BigFoot48
Mon Mar 16, 2020 8:34 am
Forum: Personal Investments
Topic: Safety of Money Market Funds Currently
Replies: 149
Views: 11902

Re: Safety of Money Market Funds Currently

I decided based on comments in this brief thread to sell my $20k SWVXX holding this morning, as there's no cost of doing that. I will leave it in cash for awhile to see how things evolve. The minor interest loss is of no concern. Stay the course, except for minor course corrections!
by BigFoot48
Tue Mar 10, 2020 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model

The issue I am having is figuring out which of the 3 accounts (Taxable, IRA, Roth) I should be pulling money from in any given year. There is a plethora of information in the Summary, Results and Details tabs but I don't see where the tool spits out for a specific year and based on what you input o...
by BigFoot48
Tue Feb 25, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27265

Re: Protection Against Home Intruders

A very useful thread on home protection. I bought a handgun the month I turned 21 and have relied on it and newer ones for home protection the last 50 years. When we moved for a few years to a rural area I bought a Remington 870 pump-shotgun. I have it now hanging above the door of a front closet. W...
by BigFoot48
Mon Feb 17, 2020 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model

It was on the Detail tab and Base tab on cell C175 ("IRA withdrawals" row) and C177 ("Inherited IRA withdrawals" row) the same cell reference for both tabs . This only happens when I select Y on "Use Automatic Withdrawals?" on the set up tab. On these cells it had a formula of =IF(Automate="y",Auto...
by BigFoot48
Thu Feb 13, 2020 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

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. Use these ...
by BigFoot48
Thu Feb 13, 2020 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model

Thank you Bigfoot for your work on this tool! Hoping someone can help/clarify. I entered our data in the current version of the Retiree Portfolio Model. My wife and I are essentially retired and have a 50/50 portfolio., age 63, no social security yet. Our taxable portfolio is essentially stock mutu...
by BigFoot48
Thu Feb 06, 2020 9:06 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1913
Views: 207639

Re: [What TV Show Have You Recently Watched?]

The filming even delves into some artsy-fartsy Japanese crossover style at a few points. Without needing a spoiler alert, I can guarantee you have never seen a mob movie presented and choreographed as this one is in the last few minutes of the series. I'll end my tease by saying you will love the e...
by BigFoot48
Tue Feb 04, 2020 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model- Details line 171

I do not understand the function of line 171 in the "Details" tab, and what inputs are being used to generate the number. In my case it generates a negative number that effectively offsets most of my (fully) taxable investment income. In an unmodified 20c version, it offsets $4000 of the $9600 taxa...
by BigFoot48
Sun Feb 02, 2020 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model

I'm running the model using LibreOffice. I've been playing with the "20a" version for a week or so, and noticed that my NYS income tax had gone to $0. I figured out that this happened when I changed the state move age to zero from the initially populated value of 84. If I change it to an age value ...
by BigFoot48
Sat Feb 01, 2020 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model

I decided to make the quick fix from IFNA to IFERROR as it was only used in two rows of formulas on the Details page. The revised model is 20.0b and any user of Excel 2007 or 2010 can download it here: https://www.dropbox.com/s/133ho7hx7tlifm1/Retiree%20Portfolio%20Model%20v20.0b.xlsm?dl=0 No need f...
by BigFoot48
Sat Feb 01, 2020 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model

I'm sorry if I gave the impression that I was lobbying for BigFoot48 to spend extra effort on my behalf. I actually own a current copy of Excel in addition to the older version, so I have an easy solution. I was simply sharing what I found regarding an issue that appeared to be of interest to some ...
by BigFoot48
Wed Jan 29, 2020 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model

Bigfoot, I too have found problems with changing the "spouse age" cell. When I update by 1 year, the end of portfolio balance drops by about $1.4 MM, for no reason that I can understand. There are also a couple of red alerts about negative balances that show up, not unexpectedly with the lower bala...
by BigFoot48
Wed Jan 29, 2020 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model

I am unable to replicate or determine what is causing the #NAME error. I am using Excel 2013 and the xlsm format is suppose to be supported by Excel 2007. No significant programming changes were made between the 2019 and 2020 versions. Users having this error may want to test the 2019 version which ...
by BigFoot48
Sat Jan 25, 2020 11:58 am
Forum: Investing - Theory, News & General
Topic: Does Schwab's growth threaten Vanguard's domination (article)
Replies: 100
Views: 5474

Re: Does Schwab's growth threaten Vanguard's domination (article)

This article describes the corrective actions taken by Schwab The "corrective actions" did not include refunding the over $1 billion of losses to their clients, many of whom were elderly. This made me look at my year-long investment in YieldPlus. I invested $25,000 in Jan 2007, received $1,231 in d...
by BigFoot48
Thu Jan 23, 2020 11:34 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26568

Re: Sad news: LadyGeek's husband has passed

LadyGeek, you have my condolences for your loss, and for your husband's health issues you had to deal with in recent years. Providing details of those and how you dealt with them will be beneficial to many on the forum who may face similar issues in their future.
by BigFoot48
Thu Jan 23, 2020 1:28 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model

I was trying to use the latest RPM version (V20.0A) and I was having some issues. (I downloaded it on 1/22/2020 in the evening. When I do a "save as" on the version (I rename it so I can play without breaking the original download) on this version, there is good majority of cells in all the tabs th...
by BigFoot48
Sun Jan 19, 2020 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model

Are there any known issues with LibreOffice Calc? I have version 6.3.3.2.0+.The Readme sheet suggests that most macros work. LibreOffice Calc 6.3.2.2 (x64) - cell comments visible, graphs show (axis labels may not), most macros work I'm unable to select any cells in the Setup sheet, even after un-p...
by BigFoot48
Sun Jan 19, 2020 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model

Thanks for updating! What's the update procedure from v. 19.1? Does all the personal data need to be re-entered if downloading this version or is there an import function? Use the Clear and Copy macros at the top of the Setup page to Clear almost all the input entries (inflation and some other fact...
by BigFoot48
Sun Jan 19, 2020 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model

Version 20.0a of the Retiree Portfolio Model model is available as of January 19, 2019 and can be downloaded from Dropbox via this link: https://www.dropbox.com/s/nac4so2tivv88at/Retiree%20Portfolio%20Model%20v20.0a.xlsm?dl=0 Updating from 20.0 is optional , as it only impacts those who are using th...
by BigFoot48
Sat Jan 18, 2020 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model

Thank you so much posting the RPM. A very powerful tool. 1. Why isn't there Roth 2 contribution in the model ? ( It has only Roth 1 contribution in Setup tab, section 6, Line 201 ) There is Roth 2 in section 2 Portfolio Balances, but I couldn't find it in section 6. My wife and I are both contribut...
by BigFoot48
Tue Dec 31, 2019 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 889
Views: 294936

Re: Retiree Portfolio Model

Version 20.0 of the Retiree Portfolio Model model is available as of December 31, 2019 and can be downloaded from Dropbox via this link: https://www.dropbox.com/s/jmsvp7g3rxv8i4r/Retiree%20Portfolio%20Model%20v20.0.xlsm?dl=0 Note: updated at 6PM EST for macro error. Download again if necessary. Upda...
by BigFoot48
Sat Dec 28, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37443

Re: Turbotax 2019 on Amazon

BogleMelon wrote:
Sat Dec 28, 2019 8:46 am
Good to hear. Do you still see the order as if it is valid and still can redownload? Mine is!!
Still there - I just want to see the credit show up on the credit card to erase this careless event from my Permanent Record. Used BH link on second purchase to help BHs a bit.
by BigFoot48
Sat Dec 28, 2019 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37443

Re: Turbotax 2019 on Amazon

Update: I pleaded with Amazon Chat and got a refund for a non-refundable purchase! Yeah! Thanks BogleMelon for the encouragement.

"Done. I've issued refund on this order
The refund will be reflected in your card with in 3-5 business days."
by BigFoot48
Sat Dec 28, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37443

Re: Turbotax 2019 on Amazon

Hi Patrick, You can come to my house to load your completed federal tax return and I will share my state version with you so that you can print the state return for free. :) Well thank you very much sir! Best offer I've had in a long time. If copying where last years numbers were in the return into...
by BigFoot48
Sat Dec 28, 2019 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37443

Re: Turbotax 2019 on Amazon

aristotelian wrote:
Sat Dec 28, 2019 7:52 am


Maybe this is the year you file state on your own. Does your state have free efile?
Thinking about it as I always print and mail the state return anyway to avoid the Turbotax filing fee. One way to mitigate stupidity.
by BigFoot48
Sat Dec 28, 2019 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37443

Re: Turbotax 2019 on Amazon

I just downloaded it for $29.88 - the no gift card version. New this year, I believe, is a registration code good for 5 computers. Thank you Bogleheads for the alert! Did you get the one with a state download or just Federal? Stupidly got the non-state one. Will try to return it or just have a $31....
by BigFoot48
Sat Dec 28, 2019 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37443

Re: Turbotax 2019 on Amazon

I just downloaded it for $29.88 - the no gift card version. New this year, I believe, is a registration code good for 5 computers. Thank you Bogleheads for the alert!

Oops, that was stupid. Bought the non-state version. Wonder if its "returnable". Never buy anything before 6AM.
by BigFoot48
Fri Dec 27, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37443

Re: Turbotax 2019 on Amazon

I will be buying at Amazon as I like the digital version and hope springs eternal for the $10 gift card, but I saw Deluxe on sale today at Costco for $39.99 until Jan 1.
by BigFoot48
Thu Dec 26, 2019 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37443

Re: Turbotax 2019 on Amazon

Last year there was also a $10 gift card. It was on the 28th. The one with gift card is already on Amazon but at $49.88! Should I wait 2 more days just in case it got cheaper? https://www.amazon.com/dp/B07YH2W223/?coliid=I1EZ7A21MGC84T&colid=RV52V308AE5I&psc=1&ref_=lv_ov_lig_dp_it I got the gift ca...