Search found 2541 matches

by BigFoot48
Thu Jun 14, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: 2010 Toyota Highlander Heater and AC
Replies: 3
Views: 377

Re: 2010 Toyota Highlander Heater and AC

You might want to post your question at Toyota Nation. Lots of knowledgeable Highlander people there. http://www.toyotanation.com/forum/122-h ... 2008-2013/
by BigFoot48
Sun Jun 10, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Help for my Mom - She's 86
Replies: 10
Views: 852

Re: Investing Help for my Mom - She's 86

I manage my age 90 mother-in-law's portfolio and have her in 20% Total Stock Market and 80% Total Bond and Tax-Exempt Bond (return of 7.3% in 2017), but think retiredjg's suggestion of Vanguard's LifeStrategy Income fund is an excellent idea to keep it simple. If you or her want to keep managing the...
by BigFoot48
Sat Jun 02, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 686
Views: 73915

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

Just finished the Netflix import "Stranger", which is a South Korean crime drama with sub-titles. 18 long episodes so its a big of a ordeal but a very good show on murder and corruption, with excellent acting. Also offers an interesting glimpse into S Korea for those of us who haven't been there.
by BigFoot48
Thu May 31, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Writing Checks on a Schwab IRA
Replies: 22
Views: 985

Re: Writing Checks on a Schwab IRA

Looks like the QCD feature is fairly new, and is limited to 5 checks a month: To make it easier for your clients to make charitable donations from their IRA accounts, Schwab will roll out a new IRA Checkwriting feature on November 15, 2017, that will allow clients to write checks from their IRA acco...
by BigFoot48
Thu May 31, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Writing Checks on a Schwab IRA
Replies: 22
Views: 985

Re: Writing Checks on a Schwab IRA

Here's an thread from 2016 on Fidelity's check writing feature: viewtopic.php?t=202913 and 2017 on Vanguard's/etc.: viewtopic.php?t=224379
by BigFoot48
Thu May 31, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Writing Checks on a Schwab IRA
Replies: 22
Views: 985

Writing Checks on a Schwab IRA

I just got an email from Schwab concerning a new IRA check writing feature they have created. The most interesting thing is apparently the ability to write checks for qualified charitable distributions without having to have Schwab do it. This would make giving numerous smaller contributions much ea...
by BigFoot48
Thu May 31, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153151

Re: Retiree Portfolio Model

Bigfoot - just a general thank you and to say that your RPM tool has been very valuable to us and many others. Thanks very much! And I want to thank the many Bogleheads who have contributed extremely useful features to it that were beyond my Excel knowledge base, and all the error reports that help...
by BigFoot48
Thu May 31, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153151

Re: Retiree Portfolio Model

jkrm wrote:
Thu May 31, 2018 8:31 am
I just noticed an odd thing. If I enter manual withdrawals (cell E139 of the setup tab), then all withdrawals from IRA1 abruptly stop when I turn 80 (column V, rows 85 - 89 of the Details tab).
I suspect your IRA1 has a zero balance by age 80. What is shown in Setup J139 - Ending Balance?
by BigFoot48
Wed May 30, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: 15% rate of return in last 15 years can I expect the same in next 16 years
Replies: 39
Views: 4040

Re: 15% rate of return in last 15 years can I expect the same in next 16 years

I see on madsinger's 2017 annual summary of returns that VFINX: Vanguard 500 Index Fund Investor had a 6.07% CAGR since 1999. I use 5% nominal.
by BigFoot48
Tue May 29, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153151

Re: Retiree Portfolio Model

Does anyone know if it is possible for the model to use IRA2 for Roth conversions once IRA1 completely converted or doesn't have enough funds for desired conversion? I'm afraid not. A solution is to add to IRA1 the extra amount desired, reducing IRA2 balance. Or just completely combine them for thi...
by BigFoot48
Sat May 26, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153151

Re: Retiree Portfolio Model

Any chance there will be a versions that includes as an input, the cost basis of taxable account and takes into consideration the capital gains tax paid on withdrawals from such an account, as well as its impact on Roth conversion tax rates. This seems like it would change the Roth Conversion analy...
by BigFoot48
Mon May 14, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153151

Re: Retiree Portfolio Model

Exemptions bug. Thanks for reporting that bug and its been fixed! Personal Federal exemptions are not used beginning in 2018, but the age checking has been fixed to require the starting age to be greater than Your starting age and the ending age less than Your ending age. The extra exemptions are n...
by BigFoot48
Mon May 14, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: Total Bond - SEC yield breaks 3%
Replies: 104
Views: 12613

Re: Total Bond - SEC yield breaks 3%

It's not all that bad. If you used the mutual fund instead of the ETF (using total bond market index fund VBTLX) you would be up $13.78 instead :wink: I happen to have 60% of my portfolio in the Vanguard Total Bond ETF, which I moved to from the mutual fund as I'm with Schwab and was annoyed by wha...
by BigFoot48
Sun May 13, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 686
Views: 73915

Re: Netflix, Your Current Favorite Show

Just finished the 8-part "Safe" UK series. Well acted, interesting missing person/crime drama.
by BigFoot48
Sun Apr 15, 2018 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153151

Re: Retiree Portfolio Model - SPIA Exclusion Ratio

I could use a little direction regarding the Exclusion Ratio for a SPIA purchase. I have reviewed several annuity offerings and each have a different method for defining the taxable portion. One in particular states the monthly payment is $2376 and the taxable portion is $323 per month. Based on th...
by BigFoot48
Sun Apr 15, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153151

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 Sorry about that! Fixed. I failed to test the clear macro with page protection turned on and it faulted on those cel...
by BigFoot48
Sun Apr 15, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153151

Re: Retiree Portfolio Model

Hello, I assume RPM account balances are nominal (inflated dollars). Is there an easy way to display them in real (non-inflated) dollars? Thank you. You can set the inflation rate to 0% (Section 5 - Expenses), and the tax rate/bracket escalator to 0% (Rax Tables page), and enter your earnings rates...
by BigFoot48
Sun Apr 15, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153151

Re: Retiree Portfolio Model

Version 18.1 of the Retiree Portfolio Model model is now available. This update adds new features along with other improvements and updates. Calculated results have not changed from 18.0 so only those who would like to use one of the new features need to download it. Note: the model was updated as ...
by BigFoot48
Thu Mar 29, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: IRMAA and Roth Conversions
Replies: 21
Views: 1297

Re: IRMAA and Roth Conversions

The best way I have found to deal with making this decision is using BigFoot's RPM spreadsheet. You can model the Roth conversions over the years. It is not as simple as pushing a button, but it is the best tool I know of to help you get to the optimum solution. It does require that you put some wo...
by BigFoot48
Sun Mar 11, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 686
Views: 73915

Re: Netflix, Your Current Favorite Show

Money Heist, a Spanish sub-titled crime drama is good, although Netflix has split it into 2 "seasons", leaving us hanging.
by BigFoot48
Sun Mar 11, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Should I Take MY RMD Now Or Wait Until Later In The Year?
Replies: 20
Views: 1730

Re: Should I Take MY RMD Now Or Wait Until Later In The Year?

I've been doing my widowed mother-in-law's for the past 8 years in December, which is what my FIL did. The advantage I see is that the tax withholding amount for the year can be included in it, delaying that expenditure as late as possible and allowing earnings to made on that amount during the year...
by BigFoot48
Thu Mar 08, 2018 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Roth multi-year conversion plan: inputs requested
Replies: 25
Views: 2502

Re: Roth multi-year conversion plan: inputs requested

(6) Is there a good place to look for or post Q&A on the Retiree Portfolio Model? It was very useful, but there are some aspects that I don’t quite get, even after looking at the ReadMe section of the model. Sorry about that! If it's a general question that you think other users might benefit from ...
by BigFoot48
Wed Mar 07, 2018 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Simple Two Fund Portfolio vs. Diversified
Replies: 14
Views: 1808

Re: Simple Two Fund Portfolio vs. Diversified

Stay simple with a two or three fund portfolio and use its total return as your "income drivers".
by BigFoot48
Mon Mar 05, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Best options for cash in Schwab brokerage accounts?
Replies: 44
Views: 5707

Re: Best options for cash in Schwab brokerage accounts?

One frustration I have with Schwab is that excess cash isn't automatically put into a 'sweep account', you have to literally put in a purchase order to move your cash into SWVXX for example (they treat it like buying a 'mutual fund'). Yes, that is the annoyance that comes with this change. For abou...
by BigFoot48
Mon Mar 05, 2018 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Best options for cash in Schwab brokerage accounts?
Replies: 44
Views: 5707

Re: Best options for cash in Schwab brokerage accounts?

In February Schwab changed the vehicle the cash in my brokerage and IRA accounts are automatically invested in from Schwab Cash Reserves Sweep to the FDIC-insured Bank Sweep. (They had sent me two letters saying this was coming.) The result is that cash is now earning 0.12% vs. the 0.88% it previous...
by BigFoot48
Thu Mar 01, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Retiring Early
Replies: 22
Views: 6442

Re: Retiring Early

My wife and I have a combined $2M worth of investment spread across 401K, IRA, and taxable account. ... Can $2M generate enough monthly interest to support our very low maintenance lifestyle? My 40/60% 3-fund portfolio is somewhat below yours and I don't re-invest distributions of dividends, capita...
by BigFoot48
Mon Feb 26, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: 66 yr old Woman Needs HELP!
Replies: 68
Views: 3963

Re: 66 yr old Woman Needs HELP!

I'm 69 and my portfolio is at 40% Total Stock and 60% Total Bond. If you want 30% (not 30 stocks everyone!), just do it as its better than 0%. I don't think you need to hire yet another advisor to adopt the 3-Fund portfolio and its highly unlikely they would recommend it. You may want to consider th...
by BigFoot48
Mon Feb 19, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153151

Re: Retiree Portfolio Model

I purchased "Office 2016 for Mac" from Amazon for $130. .. With all the latest updates applied Excel on Mac works very well. It's considerably quicker than LibreOffice and has better support for Apple's Retina graphics. That's very good to learn as there have been a number of Mac users over the yea...
by BigFoot48
Wed Feb 14, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Helping Mom with Taxes
Replies: 49
Views: 2938

Re: Helping Mom with Taxes

One still is advised to collect the previous returns to see what all the items are that need to be gathered for input. Agree, and Turbotax produces nice PDFs of the returns that make it easy to store and use for comparisons. And TT shows the prior year amounts for each entry on the input screens wh...
by BigFoot48
Wed Feb 14, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Helping Mom with Taxes
Replies: 49
Views: 2938

Re: Helping Mom with Taxes

I do my 90 YO MIL's taxes every year using Turbotax. It's a trivial effort as nothing much changes from year-to-year and importing the prior year return provides prompts for most all the items. I finish it at her house as we mail-in the state return to avoid the fee but both returns could be done re...
by BigFoot48
Mon Feb 12, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7969

Re: I’m not renewing my Costco membership.

We're 5 miles from one and go once a week to buy mainly food and bulk paper goods, any yes, the $1.50 hot dog. I do think the savings on the weekly milk purchase may pay for most of the membership but haven't run the numbers. We use to buy all our gasoline there for our in-town car but since replaci...
by BigFoot48
Wed Feb 07, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153151

Re: Retiree Portfolio Model

Bigfoot48: This is a fabulous tool. I"ve been heads down with it for days. I have a question regarding the amount being considered for Roth Conversion. What influences the amount in C234 in the setup page? Wondering how this amount is calculated? Thanks Digerati. And I highly recommend a comfortabl...
by BigFoot48
Thu Feb 01, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153151

Re: Retiree Portfolio Model

No, thank you. I will make sure all the instructions and alert messages are clear on this +10 younger spouse issue. I note that the alert message currently only appears if the difference in the ages entered is 11 or greater. I'm thinking of changing this to 10 to make sure the alert is seen by that ...
by BigFoot48
Wed Jan 31, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153151

Re: Retiree Portfolio Model

Excellent pop-up improvement which I will use, and I will use a version of your instruction addition too. Thanks for the help and insights. (You also get added to the list of BH members who have helped improve the model!)
by BigFoot48
Wed Jan 31, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Question on wildlife trail cameras
Replies: 9
Views: 1380

Re: Question on wildlife trail cameras

I've bought four game cams over the last 10 years to record the visitors to our waterhole here in the desert. Stealth work just fine but I have to cover the flash with a piece of cloth to reduce its power as I put the camera near the water. I'd like my next one to have an adjustable flash but they s...
by BigFoot48
Tue Jan 30, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153151

Re: Retiree Portfolio Model

Hi Bigfoot48, I wonder if the RPM "Table II" RMD calculations are correct. See the attached pix. You have to input the life expectancy numbers for your and your spouse's age from IRS Table II. The Sample data is for an IRA owner age 60 with a spouse age 50. Because of all the possible combinations ...
by BigFoot48
Mon Jan 29, 2018 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153151

Re: Retiree Portfolio Model

In addition to his/hers IRA 1 and 2, I have a 403-b that will soon require an RMD. My problem is it is a special circumstance and withdrawaks are excluded from taxation. I've tried a workaround, reporting it as a Roth account, but that doesnt break out the RMD. Thinking there might be a better way....
by BigFoot48
Mon Jan 29, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153151

Re: Retiree Portfolio Model

Boogedown - you are rapidly becoming my favorite Beta Tester for all of these interesting finds! Keep it up! There is an important error: In Setup Rows 286+, "TAXES BY BRACKET" in dollars Totals are wrong because they are not including the 37% chunks. I want apologize to those in the top bracket for...
by BigFoot48
Mon Jan 22, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153151

Re: Retiree Portfolio Model

==> The Bogleheads Wiki page on RPM says it has a sheet on "ORP Comparison". But that's no longer in RPM; no doubt for good reasons, but I wonder what it used to show... Thx It's still there as the far right tab, but hidden from normal view. You can view by clicking on the macro "show ORP" button n...
by BigFoot48
Sun Jan 21, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153151

Re: Retiree Portfolio Model

I do have a few minor comments. AND a question: boggedown - that you for the formatting ideas and suggestions, and I'm glad you find the model useful. I will correct/address those formatting items in the next minor update. The reason I left the green heading off in the tax table is that it is the o...
by BigFoot48
Mon Jan 15, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 406
Views: 153151

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: 406
Views: 153151

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: 406
Views: 153151

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: 406
Views: 153151

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: 406
Views: 153151

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: 406
Views: 153151

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: 406
Views: 153151

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: 406
Views: 153151

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: 406
Views: 153151

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: 406
Views: 153151

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...