Search found 2501 matches

by BigFoot48
Mon Jan 15, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 362
Views: 136680

Re: Retiree Portfolio Model

I am having one small issue that is impacting my rather significant (~10%) state tax estimates. In my state, contributions to 529 accounts are deductible from state income, although not deductible from federal income. I cannot find a way to account for this in the RPM. Is there a way to do this? If...
by BigFoot48
Sun Jan 14, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 362
Views: 136680

Re: Retiree Portfolio Model

Thanks for those suggestions theta! I was just reading this morning The Nerd's Eye View excellent recap of IRMAA history and the 2018 factors, and plan to update RPM to improve the calculations and information of this potential additional cost to retirees (estimated it impacts about 5%). I am reluct...
by BigFoot48
Sat Jan 13, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 362
Views: 136680

Re: Retiree Portfolio Model

I cannot get RPM to model this scenario correctly. What do I need to do to set up the model to generate this SS benefit scenario? I suspected there was a SS scenario that was un-modelable by RPM and when I saw your post I thought, "See! You were right!", but alas, I think I was able to do it thanks...
by BigFoot48
Sat Jan 13, 2018 12:59 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 362
Views: 136680

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 co...
by BigFoot48
Thu Jan 11, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 362
Views: 136680

Re: Retiree Portfolio Model

When I change the portfolio values in section 2, I don't see them get updated in the cash flow diagram. I have your latest version with the Special Event fix. The cash flow diagram is working in Excel but I agree it is not in LibreOffice Calc, which does not support Excel shapes with embedded formu...
by BigFoot48
Thu Jan 11, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 362
Views: 136680

Re: Retiree Portfolio Model

I downloaded the file again and this time most of the macros worked. However, I noticed that half of the arrow labels in the Cash Flow diagram were upside down. I just wonder if the new file is still corrupt. Could you or someone please post the checksum of your file? Mine is f2fb4838aa27166c8e21b4...
by BigFoot48
Thu Jan 11, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 362
Views: 136680

Re: Retiree Portfolio Model

I need a little help here. I cannot execute a macro in version 18.0. My mouse pointer does not change to a hand when I hover over a macro. I'm using LibreOffice 5.3.7.2 and OS is win10x64. I have no problem with v17.0. Any idea? Thanks. I tested it in my copy of LibreOffice 5.3.7.2, win10x64 and th...
by BigFoot48
Mon Jan 08, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 362
Views: 136680

Re: Retiree Portfolio Model

I am trying to model a scenario where one spouse is retired and the other is still working with contributions to IRA and 401k etc. Is it possible to model this? Unfortunately there's no way to model that in the current version, although I see how it might be useful for near-retirees. I would sugges...
by BigFoot48
Tue Jan 02, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 362
Views: 136680

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). Thank you for reporting this finding! The marginal rate calculation for the Base case is indeed ...
by BigFoot48
Tue Jan 02, 2018 1:38 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 362
Views: 136680

Re: Retiree Portfolio Model

Does the tax model include the reversion to the current brackets in ten years back to what they are today? No, but the optional tax rate change feature in Setup Section 9 could be used to change the rates (but not brackets, deductions and exemptions) in any future year if you want to test a reversi...
by BigFoot48
Mon Jan 01, 2018 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 362
Views: 136680

Re: Retiree Portfolio Model

A new version of the Retiree Portfolio Model model is now available. This includes the new 2018 tax rates and brackets, along with changes to the formatting and numerous improvements and updates. I recommend all users download it. Version 18.0 can be downloaded from Dropbox via this link: https://ww...
by BigFoot48
Sun Dec 31, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion - Break Even Calculation - How do you do it?
Replies: 27
Views: 2015

Re: Roth Conversion - Break Even Calculation - How do you do it?

munemaker wrote:
Sun Dec 31, 2017 12:15 pm
... last I read, the updated RPM spreadsheet is scheduled for 1/1/2018 release.
First thing tomorrow morning - doing final review now. viewtopic.php?f=1&t=97352&p=1405885#p1405885
by BigFoot48
Sat Dec 30, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 153
Views: 17241

Re: TurboTax Prices

Bought Premier for $54.86 at Costco today. Installed it on my desktop then ran the DVD through a program that converted it to an iso file which I then used to install it on my no-DVD drive laptop using yet another program. All ready now for the statements that Schwab said should be available the fir...
by BigFoot48
Tue Dec 26, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 362
Views: 136680

Re: Retiree Portfolio Model

BigFoot48: I am curious about whether you are planning to update RPM to the new tax laws that go into effect in 2018? Thanks again for providing RPM. It has been a tremendous help to me and it would be awesome if you continue to update it. Thanks! I'm glad you like this planning tool! Yes, the new ...
by BigFoot48
Sun Dec 24, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Explain the new tax bill 12% bracket to me
Replies: 18
Views: 3406

Re: Explain the new tax bill 12% bracket to me

Can someone please clarify the capital gains info; per above link "... 0% tax rate if they fall below $77,200 ...". However, $77,200 and other boundaries don't line up with the new brackets (e.g. $77,400 for married filing jointly); is this correct? That's correct. The long-term capital gains and q...
by BigFoot48
Sun Dec 24, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Explain the new tax bill 12% bracket to me
Replies: 18
Views: 3406

Re: Explain the new tax bill 12% bracket to me

... I've been unsure as to whether or not I should really be converting a lot of my tIRA funds if much of that conversion is happening at 15%. 12% sounds MUCH better. Am I thinking about this correctly? Did the conversion question just get a lot easier? Thanks. I have been updating the Retiree Port...
by BigFoot48
Thu Dec 14, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 153
Views: 17241

Re: TurboTax Prices

I got a CD in the mail yesterday from H&R Block containing their free Deluxe version. I tried H&R a couple of years ago, along with Tax Act, and just keep returning to TurboTax. I do wish these competing low prices would influence TurboTax's but have concluded it really doesn't matter in the scheme ...
by BigFoot48
Sat Dec 09, 2017 12:32 am
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 84
Views: 4922

Re: Moto G5 Plus: Software updates?

I like the fingerprint reader on the 5G+, except Schwab won't let me use it with their app because I use the two-factor authentication fob. And I inadvertently shut off notifications for the phone and couldn't answer calls until I googled it and found what I did. Otherwise, love the phone.
by BigFoot48
Fri Dec 08, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 362
Views: 136680

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 BigFoot48
Fri Dec 08, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Roth conversions: how far should I go in 2017?
Replies: 15
Views: 1410

Re: Roth conversions: how far should I go in 2017?

Here is my problem. Between my tradional IRA (tIRA) and t401K, I still have 43% of the goods in tax deferred assets, and only 9% of my portfolio is in Roth accounts. Projecting RMDs and tax brackets using 4% portfolio growth and 2% inflation, it looks like I'll spend my RMD years in the 28% bracket...
by BigFoot48
Thu Nov 30, 2017 4:14 pm
Forum: Investing - Theory, News & General
Topic: What can we learn from BitCoin’s surge?
Replies: 37
Views: 3244

Re: What can we learn from BitCoin’s surge?

At least a person in olden days could hold a tulip bulb in their hand!
by BigFoot48
Sat Nov 25, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 9450

Re: Regrets for taking SS at 62 or waiting?

No regrets. DW and I both took ours at 62 and used it for living expenses instead of pulling money from our investments during some of the worst times to do that. Our situation may have been similar. After retiring and living solely off of our investments for 8 years we decided to both take at 62 i...
by BigFoot48
Wed Nov 22, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 362
Views: 136680

Re: Retiree Portfolio Model

Hi BigFoot, If my FRA age is 67, should the formula in cell R93 = R$9 8 *$U93? Possibly, and I will check it out! However, that is a calculator to test benefits and is not used to calculate benefits for the model. The actual model calculator is in the normally hidden area AB98 to AH116 and appears ...
by BigFoot48
Mon Nov 20, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 84
Views: 12388

Re: Water Heater Install $1,800!

There's a company in Tucson, "Just Water Heaters", that has a big ad on the side of their vans offering a $599 install of an A. O. Smith electric 40 gal tank, including permit. http://justwaterheaterstucson.com/ We paid two plumbers, who I happened to see at a neighbors, $670 for an electric 50 gal ...
by BigFoot48
Sun Nov 12, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Windows 10 System image on USB flash drive
Replies: 27
Views: 1853

Re: Windows 10 System image on USB flash drive

Bigfoot..can you explain what needs to be done using AOEMI? I downloaded the program, clicked on back up>system backup and there were 2 options to back up, so I did both to external hard drive. Do I now need to create a bootable recovery disk under utilities? My goal is to be able to get back into ...
by BigFoot48
Sun Nov 12, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Windows 10 System image on USB flash drive
Replies: 27
Views: 1853

Re: Windows 10 System image on USB flash drive

Thank. Looks like a Recovery flash drive is not what I was looking for. I want to take a snapshot of the currently installed system that can then be re-installed after something "bad" happens and, perhaps, the system won't even boot. I don't want to restore it back to the day I got it, although tha...
by BigFoot48
Sat Nov 11, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Windows 10 System image on USB flash drive
Replies: 27
Views: 1853

Re: Windows 10 System image on USB flash drive

I actually bricked my mother-in-laws HP desktop recently following a Microsoft recommended procedure for getting a USB port working, that resulted in making no USB ports work. You know, the ones that run the keyboard and mouse. Fortunately a year earlier I had backed up her operating system files us...
by BigFoot48
Sat Nov 11, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 3829

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

I'm another Costco Moto 5G Plus recent buyer (at $215, not the outstanding current $170) and like it very much. As a long term Tracfone user I don't need to buy minutes anymore thanks to rollover, just service days and now GBs of data - always less that $100 a year.
by BigFoot48
Wed Nov 08, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 362
Views: 136680

Re: Retiree Portfolio Model - Is this a bug?

Thanks for responding and taking care of this so quickly! Again, thank you for developing Retiree Portfolio Model . As a recent retiree, it is the perfect tool for me right now as I evaluate various alternatives going forward. I can only imagine the hundreds of hours you have invested in it. Thanks...
by BigFoot48
Wed Nov 08, 2017 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 362
Views: 136680

Re: Retiree Portfolio Model - Is this a bug?

How do I report this? You just have. I'll check it out. The rate change feature appears to be working as designed. The rates being controlled are in lines 22-25 and entering a zero or blank will keep the default rates in use. However, it does appear the tax-exempt calculation may not be working pro...
by BigFoot48
Tue Oct 10, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 106
Views: 20446

Re: Growing old without kids or younger caring relatives

stimulacra wrote:
Tue Oct 10, 2017 12:42 pm
Saw this article on The New Yorker about professional guardians who systemically strip the elderly of their civil rights and assets.
That is the article that lead me to revive this thread. I sent it to all my aging friends and it certainly got their attention!
by BigFoot48
Fri Oct 06, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 106
Views: 20446

Re: Growing old without kids or younger caring relatives

I'm reviving this old thread because it's one of the best on this topic, although there has been a number of similar discussions over the years. My DW and I have been discussing this of late and trying to develop a strategy. The need for this came into sharp focus this week with this horror-story ar...
by BigFoot48
Mon Oct 02, 2017 1:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Retirement Class of 1998 (Sheepdog's Experience)
Replies: 45
Views: 4664

Re: Retirement Class of 1998 (Sheepdog's Experience)

Wonderful summary of retirement success Sheepdog! I too am a member of the Class of 1998, not finding Vanguard Diehards until 2001 but that good luck has made ALL THE DIFFERENCE! My eternal thanks is to Taylor Larimore for his wise advice and to all the Bogleheads over the years that have put the ic...
by BigFoot48
Fri Sep 29, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 52
Views: 7572

Re: Innovis and ChexSystems freeze confirmation letters

Did a freeze with all five agencies on Sept 15 for self and spouse. Received letters from Innovis for both of us yesterday confirming freeze was done. Letters included 10-digit PIN.
by BigFoot48
Tue Sep 26, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: BH phone review: Moto G5 Plus
Replies: 35
Views: 3286

Re: BH phone review: Moto G5 Plus

I bought my last Tracfone at Amazon, and while that turned out fine, I purposely bought this one at Costco for the return advantage. Tracfone's BYOP (bring your own phone) program is new to me and I want to be able to easily return it should the setup go astray!
by BigFoot48
Tue Sep 26, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: BH phone review: Moto G5 Plus
Replies: 35
Views: 3286

Re: BH phone review: Moto G5 Plus

Based on this thread and other reviews I bought the G5 at Costco today. As I use Tracfone and my 3-year old LG41 smartphone doesn't have a sim chip, I had to order a 3-size blank sim from Amazon for $1. When that arrives in 2 days I'll have to buy some starter minutes from Tracfone, activate the pho...
by BigFoot48
Sat Sep 16, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 362
Views: 136680

Re: Retiree Portfolio Model

minor issues in saving the model: What version of Excel are you using? This is a false error that Excel sometimes exhibits (other Excel users have reported it on their spreadsheets as a Google search reveals). The validation rules for all those cells listed refer to other cells within the same work...
by BigFoot48
Fri Sep 15, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 362
Views: 136680

Re: Retiree Portfolio Model

Sidneyinplanning: The model is generally designed for retirees, with a provision for including additional working income in the early years. Entered IRA/401k amounts are assumed to be the balance in the starting year, but for your situation I would set the starting amount such that, including the ca...
by BigFoot48
Fri Sep 08, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 54134

Re: Equifax customer information leak

I'm glad my Schwab accounts, including checking, are behind a fob.

Here's a step-by-step on freezing credit that looks informative: https://krebsonsecurity.com/2015/06/how ... ty-freeze/
by BigFoot48
Fri Sep 08, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 54134

Re: Equifax customer information leak

Equifax gave me this message just now when I entered my 6-digit SS number. I'm leaning toward just freezing my credit (and my MIL''s) rather than using the 1-year service, but will await the BH consensus recommendation. "Thank You Based on the information provided, we believe that your personal info...
by BigFoot48
Mon Sep 04, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Coyote Defense
Replies: 69
Views: 5917

Re: Coyote Defense

I have a picture of a coyote standing on top of our 6' backyard wall. They are all over the area where we are in outskirts of Tucson, and are usually quite wary of humans. The one exception was a time we were walking a golf course in Sun City West, Arizona at dusk and there was a large group of coyo...
by BigFoot48
Sun Aug 13, 2017 1:28 pm
Forum: Forum Issues and Administration
Topic: Please consider setting a time limit of 15 minutes to edit a post
Replies: 31
Views: 3411

Re: Please consider setting a time limit of 15 minutes to edit a post

I have posts years and months old that I edit when I release a new version of the Retiree Portfolio Model. I would like to continue to be able to do that but could do a work-around should the forum-powers decide to have a time limit.
by BigFoot48
Fri Aug 11, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 83
Views: 9006

Re: Aug. 2017 US total eclipse hotel reservations.

Just heard the edges of the eclipse may be up to 1/2 mile different from what the maps have been showing. Drive that extra mile!
by BigFoot48
Thu Jul 27, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 7340

Re: Where to View Total Eclipse? - Kansas City / Nashville et al

This is an interesting map showing the chance of clouds along the path: http://www.al.com/news/index.ssf/2017/06/solar_eclipse_2017_what_are_th.html We're going to Idaho (which will be awful, don't go there!) and plan to get up at 5AM for a 2 hr (hopefully) drive to the centerline for the 11:30 tota...
by BigFoot48
Mon Jul 17, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Photobucket is out of control with popups. Alternatives?
Replies: 14
Views: 2030

Re: Photobucket is out of control with popups. Alternatives?

I saw Postimage (postimg.org) recommended on another forum so I checked it out and it looks like a good alternative to Photobucket and hopefully will be forever free.
by BigFoot48
Mon Jul 17, 2017 5:27 pm
Forum: Forum Issues and Administration
Topic: [Wiki] Posting images in the Bogleheads forum
Replies: 8
Views: 1350

Re: [Wiki] Posting images in the Bogleheads forum

Another forum I am active on posted an alert to the change at Photobucket and recommended Postimage (postimg.org), a "forever" free hosting site for images. I checked it out, quickly set up an account, copied en-mass the BH images I had downloaded from Photobucket into a BH gallery in Postimage and ...
by BigFoot48
Sat Jul 15, 2017 12:07 pm
Forum: Forum Issues and Administration
Topic: [Wiki] Posting images in the Bogleheads forum
Replies: 8
Views: 1350

Re: [Wiki] Posting images in the Bogleheads forum

It's also possible your browser has the images locally cached and your browser hasn't pulled the latest from Photobucket, so what you're seeing may be different from what others see. Excellent point! I use Firefox and checked via Chrome and my PB images are still showing. However when I click on th...
by BigFoot48
Fri Jul 14, 2017 9:26 pm
Forum: Forum Issues and Administration
Topic: [Wiki] Posting images in the Bogleheads forum
Replies: 8
Views: 1350

Re: [Wiki] Posting images in the Bogleheads forum

Thanks LadyGeek for posting this. The email I received from Photobucket on July 10 was titled "Some features on your account will be disabled" and included "Photobucket has only restricted the ability to view your photos on 3rd party sites." However, in one of my threads with multiple graphics they ...
by BigFoot48
Thu Jul 13, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Photobucket is out of control with popups. Alternatives?
Replies: 14
Views: 2030

Re: Photobucket is out of control with popups. Alternatives?

Photobucket has just disabled 3rd party linking to images on its site via URLs (or one can pay $399 a year to keep the links). I'm searching for a suitable alternative for the dozens of images/graphs I've posted here. No luck so far with Google Drive. They provide a link but it doesn't work here as ...
by BigFoot48
Fri Jul 07, 2017 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 362
Views: 136680

Re: Retiree Portfolio Model

Diynofees, I will be glad to answer your questions but I'm away from my model for the next week and need it to confirm the answers i have are correct. Stand by!