Search found 306 matches

by Silk McCue
Thu Oct 12, 2017 7:42 am
Forum: Personal Consumer Issues
Topic: Using recent Quicken versions standalone
Replies: 5
Views: 554

Re: Using recent Quicken versions standalone

I use Quicken 2015 and recently setup my ID on the new server. Easy Peasy. I also applied the updates. Everything works fine. It will be less painful for you in my opinion to simply perform the setup that they are requesting. Or you can dig your heels in and spend more time on this than you need to....
by Silk McCue
Wed Oct 11, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance as an inheritance?
Replies: 10
Views: 494

Re: Term Life Insurance as an inheritance?

Hi, I was wondering if anyone continues their term-life insurance, even after they are financially independent and/or have retired? I was looking at term4sale.com, and for a 50-year-old male, a $1 million, 30-year term life costs about $2,500 to $3,000 per year. So, at the worst (or best?) case, he...
by Silk McCue
Sun Oct 08, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: (24M) - Should I take a pay cut for a new career path with a better payoff?
Replies: 21
Views: 2367

Re: (24M) - Should I take a pay cut for a new career path with a better payoff?

Based upon the totality of your post I would say that you should go for the brass ring and never look back. All opportunities have risk but taking a momentary step back from an income perspective with a real chance of significant reward in the future sounds like a good choice. There are times to wai...
by Silk McCue
Sat Oct 07, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: [Three-fund portfolio: Robo-adviser or 3 funds?]
Replies: 7
Views: 681

Re: [Three-fund portfolio: Robo-adviser or 3 funds?]

A high level answer. You can invest effectively using a 3-Fund portfolio at Vanguard and elsewhere with less complexity and lower expenses. There are great resources on this site that you can use to increase your knowledge. Hopefully others will come along and provide you specific feedback on Better...
by Silk McCue
Sat Oct 07, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: SS Benefit checks?
Replies: 13
Views: 1752

Re: SS Benefit checks?

My mother-in-law received her Soc Sec check on April 3rd. She died April 15th. The payment received on April 3rd was for March and that was hers to keep. The payment scheduled for May 3 is for April and will either not be paid if Soc Sec gets notified quickly enough or it will be clawed back because...
by Silk McCue
Sat Oct 07, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5694

Re: Roof shingles do not match - Neighbor sent notice

Regardless of the outcome I'd say it's time to let her get a new lawn guy.
by Silk McCue
Sat Oct 07, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Combining spouses separate accounts into one joint account. Any downsides?
Replies: 19
Views: 1401

Re: Combining spouses separate accounts into one joint account. Any downsides?

It all depends on the couple. In our 30+ year marriage there is only “our money”, not “his and hers”. We have seperate brokerage accounts that hold our respective retirement funds (but still viewed as “our money”) and we have a joint account for taxable. It is crucial that both be on board with the ...
by Silk McCue
Sat Oct 07, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: ALL account on Quicken?
Replies: 11
Views: 925

Re: ALL account on Quicken?

I track 30 credit cards, 10 savings and checking accounts, 4 brokerage accounts, 2 401k's, and 4 IRA's in quicken. Just as Silk mentions, I have also caught fradulent charges almost immediately in quicken. Do it. What? Why so many!? One reason might be that you manage multiple family members accoun...
by Silk McCue
Sat Oct 07, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: what if I forget my security questions?
Replies: 19
Views: 1345

Re: what if I forget my security questions?

You would benefit from buying an encrypted password vault that runs across your multiple devices (PC, iPhone, etc). You can then record your answers for each account because you WILL forget the answers if they aren't real. I use one called mSecure and it creates highly complex passwords that I coul...
by Silk McCue
Fri Oct 06, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: what if I forget my security questions?
Replies: 19
Views: 1345

Re: what if I forget my security questions?

Just came across this current thread that provides other solutions folks have used.

viewtopic.php?p=3561773#p3561773
by Silk McCue
Fri Oct 06, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: what if I forget my security questions?
Replies: 19
Views: 1345

Re: what if I forget my security questions?

You would benefit from buying an encrypted password vault that runs across your multiple devices (PC, iPhone, etc). You can then record your answers for each account because you WILL forget the answers if they aren't real. I use one called mSecure and it creates highly complex passwords that I could...
by Silk McCue
Fri Oct 06, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: ALL account on Quicken?
Replies: 11
Views: 925

Re: ALL account on Quicken?

One reason I like Quicken is that I quickly see charges that appear and on rare occasion they are fraudulent. By tracking all of your cards you will catch any fraud sooner than later and will never "forget" about a purchase you made.
by Silk McCue
Thu Oct 05, 2017 7:31 pm
Forum: Investing - Theory, News & General
Topic: Cannot logon to Vanguard using iPad application
Replies: 10
Views: 430

Re: Cannot logon to Vanguard using iPad application

I just logged into the VG App (not browser) on my iPad. It never hurts to do a hard reset when something goes awry.
by Silk McCue
Tue Oct 03, 2017 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to not transition my vanguard IRA and taxable mutual fund accounts to Brokerage Accounts
Replies: 8
Views: 1128

Re: Any reason to not transition my vanguard IRA and taxable mutual fund accounts to Brokerage Accounts

I’m perfectly happy with having moved to the brokerage account. Past problems by some are no reason to not move forward.
by Silk McCue
Tue Sep 26, 2017 7:36 am
Forum: Investing - Help with Personal Investments
Topic: proxy vote
Replies: 6
Views: 769

Re: proxy vote

I voted yesterday. The notification remained yesterday but is gone today. I suggest you wait and see as it will most likely be gone shortly.
by Silk McCue
Sat Aug 26, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Total International Institutional Index changed to Index Trust?
Replies: 4
Views: 462

Re: Total International Institutional Index changed to Index Trust?

Please provide the exact full names and ticker symbols if available before and after.
by Silk McCue
Fri Aug 25, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Finding Life Insurance for "High-Risk" Mother
Replies: 25
Views: 2461

Re: Finding Life Insurance for "High-Risk" Mother

An option you can explore. Mutual of Omaha offers whole life policies that require no physical or health questions. They mail offers to my mom on a regular basis. If you die of natural causes within 2 years you get your premiums back plus 10%. After two years they pay the policy face amount regardle...
by Silk McCue
Fri Aug 25, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Trip to Banff / Lake Louise / other places
Replies: 34
Views: 3479

Re: Trip to Banff / Lake Louise / other places

My wife and I spent a week in Banff a few years ago and enjoyed fishing, riding atvs and horseback riding. One of our favorite excursions was a private hiking trip with Nadine. a wonderful lady that is 1/2 of a couple that provide excellent service. You can check out their offerings at http://www.gr...
by Silk McCue
Fri Aug 25, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Any Function Geeks Out There
Replies: 11
Views: 718

Re: Any Function Geeks Out There

Any idea what function to use to see a progressive increase in cost from January 1993 to August 2017? The straight line progressive increase from the first to the last pint in this situation is .00300606 per pint This is obtained by the following -> (8.18 - 3.22) / (1651 -1 ) -> 4.96/1650 = .003006...
by Silk McCue
Thu Aug 24, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: I've fallen and I can't get up -- recommendations?
Replies: 43
Views: 6216

Re: I've fallen and I can't get up -- recommendations?

The Wizard wrote:
Thu Aug 24, 2017 6:47 pm
Just get a cheap cell phone with 911 functionality.
You may not even need a monthly plan for 911 to work.
And have him keep it in an upper pocket where it won't get crushed when he falls...
Bad idea. Virtually guaranteed not to be on you or within reach when it is actually needed.
by Silk McCue
Thu Aug 17, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: quick estate question
Replies: 56
Views: 3064

Re: quick estate question

No need to go through probate over a low value car. There is a single mother out there that would be blessed to receive it. In regards to the small bills I can tell you that when going through probate the holders of the debt would have to file with the court to get payment and they won't do so for s...
by Silk McCue
Wed Aug 16, 2017 4:21 pm
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 108
Views: 15638

Re: Revealing Usernames

My user name is a foundation Quarter Horse Stallion - Silk McCue. We actually had grandaughters of Wimpy P-1, the very first registered Quarter Horse but I felt Wimpy was not a good username :) Silk was a great grandsire on the Dams side. After being on the forum for a year and referring some friend...
by Silk McCue
Wed Aug 16, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: If you received robocalls from cruise lines
Replies: 13
Views: 1630

Re: If you received robocalls from cruise lines

You may be eligible to join a class action lawsuit. This one seems to have a more than nominal award. This Miami Herald article contains a link to check to see whether your phone # was on the relevant calling list: http://www.miamiherald.com/news/nation-world/national/article167331957.html Thanks f...
by Silk McCue
Tue Aug 15, 2017 6:25 am
Forum: Personal Finance (Not Investing)
Topic: trailer SUV combination for tyro
Replies: 11
Views: 1179

Re: trailer SUV combination for tyro

Thanks for introducing me to the word "tyro". It's never too late to learn something new.
by Silk McCue
Sat Aug 12, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14895

Re: How far would you travel to see The Eclipse?

munemaker wrote:I once flew my Lear Jet up to Nova Scotia to see a total eclipse of the sun. That's about 650 nautical miles.
"Well you're where you should be all the time"- I know a lady who's friend did that one time.
by Silk McCue
Fri Aug 11, 2017 12:58 pm
Forum: Investing - Theory, News & General
Topic: "Honesty like that is rare!"
Replies: 47
Views: 7306

Re: "Honesty like that is rare!"

Thanks for sharing. It is true that for many "Perception is reality". Without the proper education, and being bombarded with "how hard it is invest on your own", there are many that when sitting down with a professional would think "that's too simple" and this person's advice can be worth it. We cer...
by Silk McCue
Fri Aug 11, 2017 11:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Portfolio Watch Question
Replies: 4
Views: 491

Re: Vanguard's Portfolio Watch Question

My accounts are at Vanguard but my experience there is that depending upon the type of buy/sell/trade it can take a few days for the transactions to settle out and be reflected in various tools properly. Thanks for the help. I called my VCLT ETF a stock. I wonder if I called it a bond if that would...
by Silk McCue
Fri Aug 11, 2017 9:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Portfolio Watch Question
Replies: 4
Views: 491

Re: Vanguard's Portfolio Watch Question

My accounts are at Vanguard but my experience there is that depending upon the type of buy/sell/trade it can take a few days for the transactions to settle out and be reflected in various tools properly.
by Silk McCue
Tue Aug 08, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Windows 10 [Looking for games]
Replies: 7
Views: 513

Re: Windows 10

Download them from the Windows App Store and then you won't have to wonder if the source is safe.
by Silk McCue
Sun Aug 06, 2017 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Do I need my term life insurance anymore?
Replies: 6
Views: 1031

Re: Do I need my term life insurance anymore?

The answer to your question depends on if you would want your wife (or does she have the earning capability) to (re)enter the workforce. If you got hit by a bus tomorrow your wife would have $780,000 in life insurance + $350k in "net worth" which I assume are mostly investable assets. Let's round i...
by Silk McCue
Sat Aug 05, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: knee replacement and air travel screening
Replies: 11
Views: 1253

Re: knee replacement and air travel screening

I have a metal rod in my left leg. If the alarm goes off I tell them I have a metal rod in my leg and they put me through the body scanner and am cleared through without issue. Some airports detect the metal and some don't depending on how they are tuned. Don't worry it is barely any inconvenience. ...
by Silk McCue
Mon Jul 31, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Florida Asset Protection Question
Replies: 3
Views: 453

Re: Florida Asset Protection Question

I searched the web and found the following. I hope this helps. It's actually about whether the homestead is within a municipality or not. 180.01 Definition of term “municipality.”—The term “municipality,” as used in this chapter, shall mean any city, town, or village duly incorporated under the laws...
by Silk McCue
Thu Jun 29, 2017 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: vetting/finding a financial advisor
Replies: 58
Views: 2616

Re: vetting/finding a financial advisor

http://www.garrettplanningnetwork.com. Put in your parents zip and see who comes up. Review their info and then go to their individual website to see if they appear to fit the bill and follow the investment strategy of low expense diversified mutual funds. Most all are fee only but some stray so mak...
by Silk McCue
Tue Jun 27, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Receiving Magazines...Never Subscribed
Replies: 19
Views: 1249

Re: Receiving Magazines...Never Subscribed

Don't worry. Just wait. If you get a bill notify them they have been pranked, that you did not order, and ask them to stop sending.
by Silk McCue
Fri Jun 23, 2017 7:54 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 2811

Re: Anyone have a habit of checking the market all day?

My Apple Watch has a complication that shows indices and individual ticker symbols that interest me.
by Silk McCue
Thu Jun 22, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX dividend error?
Replies: 24
Views: 2931

Re: VTSAX dividend error?

rav2fi wrote:Mine shows the incorrect amount as well :oops:
As does mine.
by Silk McCue
Wed Jun 21, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Need quick Marriott Rewards
Replies: 15
Views: 906

Re: Need quick Marriott Rewards

ON the site it only shows Points OR use $$$. I am going to try to buy points if I can't figure the combo thing out. I think you're looking at the wrong area of the web-site. You're on the room booking page. You purchase points prior to room booking. This post was in response to my post suggesting h...
by Silk McCue
Wed Jun 21, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Need quick Marriott Rewards
Replies: 15
Views: 906

Re: Need quick Marriott Rewards

Have you tried investigating an online booking at Marriott.com to see what it will do for a combo of points and dollars?
by Silk McCue
Wed Jun 21, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Need quick Marriott Rewards
Replies: 15
Views: 906

Re: Need quick Marriott Rewards

How did you earn your current points? Hotel Stays only?
by Silk McCue
Wed Jun 21, 2017 8:49 am
Forum: Investing - Theory, News & General
Topic: Explain table in book -- Roth vs IRA?
Replies: 3
Views: 641

Re: Explain table in book -- Roth vs IRA?

I have the paperback version of the book "Boglehead Guide to Retirement Planning" and I don't understand table 10-2 about the relative values of Roth and Tax-deferred Plans. Can anyone explain how the values in the boxes where calculated? On the forum I found the errata for the book and it says one...
by Silk McCue
Tue Jun 20, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Widowed mother - siblings try to make a plan
Replies: 30
Views: 2867

Re: Widowed mother - siblings try to make a plan

The OP said early on that he recognizes that his brother is taking on a potentially significant burden, so some of the criticism of him is unfair. This is particularly true given that the brother and his wife have benefited from extensive free babysitting from the same parent that they are now help...
by Silk McCue
Mon Jun 19, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Widowed mother - siblings try to make a plan
Replies: 30
Views: 2867

Re: Widowed mother - siblings try to make a plan

She may get to the point where your brother can no longer take care of her by himself, especially if he works and doesn't have a spouse at home. She'd have to go onto Medicaid, raising the issue of where her money went and in whose name(s) the house will be. I think it may be a good idea to have a ...
by Silk McCue
Mon Jun 19, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Reputable Home Owner's Insurance Company
Replies: 5
Views: 661

Re: Reputable Home Owner's Insurance Company

We have had Amica for homeowners since 2004 in Florida. Had my 23 year old roof replaced last year due to unknown timeframe wind damage. I paid the wind deductible of $500 (not Hurricane deductible as it was not). Total remaining bill including wood rot damage $26k was paid by Amica. Thrilled beyond...
by Silk McCue
Sun Jun 18, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Income Tax Calculation?
Replies: 18
Views: 1990

Re: Income Tax Calculation?

If you give to charity you can perform a Qualified Charitable Distribution (QCD) to reduce your taxable income from your RMD amount and thus allow more room for Roth Conversion.
by Silk McCue
Sat Jun 17, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: Air conditioner for narrow windows
Replies: 23
Views: 1807

Re: Air conditioner for narrow windows

Single hose portable should be a great solution given your parameters. Used one in a second home in NC during renovation to keep the master BR nice and cool at night and a respite during the day. Money well spent.
by Silk McCue
Sat Jun 17, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid Planning
Replies: 32
Views: 2248

Re: Medicaid Planning

Managing assets to protect them from Medicaid requiring them to be spent prior to Medicaid paying is completely legal so long as you use legal methods. Although I may have missed it, I have seen nothing in this thread that would be considered illegal. Some approaches certainly more advisable than ot...
by Silk McCue
Fri Jun 16, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 20215

Re: Siblings in disagreement over mom's house.

Sorry for the situation you find yourself in. It sounds like those that want to sell have a high level goal and plan. You might want to flesh that out in writing to describe how to get from here to there including potential distribution shares from the sale and a rough timeline. I would ask that tho...
by Silk McCue
Fri Jun 16, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: trying to join MR. MONEYMUSTACHE forum
Replies: 7
Views: 2441

Re: trying to join MR. MONEYMUSTACHE forum

Out of curiosity I registered for the MM forum. The questions can easily be found using the example I gave in a prior post on this thread. There was one delay as his system was unsuccessful in sending the email verification to my private domain email address (everything else in the world can send to...
by Silk McCue
Fri Jun 16, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: My Variable Annuity [what do I have?]
Replies: 39
Views: 3755

Re: My Variable Annuity [what do I have?]

In your previous post you said I did not use this service but was on the cusp of doing so. Did you use the service after you sold your annuity? I'm confused. As stated - I did not use this service. The particular financial characteristics of my annuity were inferior to those you shared for yours.