Search found 2514 matches

by BigFoot48
Mon Feb 19, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 387
Views: 142494

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: 46
Views: 2361

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: 46
Views: 2361

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: 7147

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: 387
Views: 142494

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: 387
Views: 142494

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: 387
Views: 142494

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: 1232

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: 387
Views: 142494

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: 387
Views: 142494

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: 387
Views: 142494

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: 387
Views: 142494

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: 387
Views: 142494

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: 387
Views: 142494

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: 387
Views: 142494

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: 387
Views: 142494

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: 387
Views: 142494

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: 387
Views: 142494

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: 387
Views: 142494

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: 387
Views: 142494

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: 387
Views: 142494

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: 387
Views: 142494

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: 387
Views: 142494

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: 387
Views: 142494

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: 2073

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: 171
Views: 21242

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: 387
Views: 142494

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: 3488

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: 3488

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: 171
Views: 21242

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: 5205

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: 387
Views: 142494

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: 1499

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: 3377

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: 9878

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: 387
Views: 142494

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: 12959

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: 1959

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: 1959

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: 1959

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: 3982

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: 387
Views: 142494

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: 387
Views: 142494

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: 20785

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: 20785

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: 4897

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: 7773

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: 3363

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: 3363

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: 387
Views: 142494

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...