Search found 78 matches

by Silk McCue
Sun Mar 26, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Any tax deductions from vacant second home?
Replies: 5
Views: 389

Re: Any tax deductions from vacant second home?

Captain Obvious here but your focus needs to be on getting it sold. Are you selling by owner or do you have a Realtor? Regardless, something needs to change if you are serious about selling.
by Silk McCue
Sun Mar 26, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: 1040 tax reporting for referral income
Replies: 6
Views: 281

Re: 1040 tax reporting for referral income

At some point penny ante just doesn't matter unless you want it to.
by Silk McCue
Sun Mar 26, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: Our technology is old...advice on upgrading...
Replies: 19
Views: 939

Re: Our technology is old...advice on upgrading...

By not buying IPhone, Ipads, or the like at all. ;) Agree... Don't buy from a vendor that deliberately stops "old" hardware from upgrading. I have some iStuff stuck at older software versions... some apps no longer work... some new apps refuse to install... It's a mess unless your driving...
by Silk McCue
Sun Mar 26, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: how to pay for mother's dementia care...retirement accts versus other investments
Replies: 12
Views: 1125

Re: how to pay for mother's dementia care...retirement accts versus other investments

For the elder law attorney I strongly (emphatically) recommend that you hire a board certified elder law attorney not just an attorney that handles elder law work.
by Silk McCue
Sat Mar 25, 2017 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2339

Re: Administration of relative's estate

It sounds like you are making some progress. At some point when someone dies and no one is found to represent the decedent the world has to move on. Eventually the condo simply had to be cleaned out. Time will tell if you find out the specifics of how this was done. i look forward to hearing of your...
by Silk McCue
Sat Mar 25, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Options
Replies: 18
Views: 1202

Re: Pension Options

In my opinion, people spend too much time calling up and getting permission to do things. I would open a Roth IRA, get the account information, have the pension plan cut a direct rollover check for that, then submit it to Vanguard with the proper form. Well, really I wouldn't send it to Vanguard at...
by Silk McCue
Fri Mar 24, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2339

Re: Administration of relative's estate

I'm wondering if maybe he was moved somewhere else in the last months and the d. certif. is under that address. I would speak to the condo board member to find out if he died in the condo or if he was somewhere else like in a hospital or nursing home. Try to get any information about what actually ...
by Silk McCue
Fri Mar 24, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2339

Re: Administration of relative's estate

Have you searched the clerk of court records for the county in which he died as I suggested in an earlier post? If you haven't then please do so as you might find a probate case was opened which could be the thread that helps you get all the answers you need. Also, if there are net proceeds from the...
by Silk McCue
Thu Mar 23, 2017 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2339

Re: Administration of relative's estate

It's a long shot but it won't take you much time to try this. Find the clerk of courts website for the county he lived in and do a records search against your relatives name. Make certain to search across all record types to avoid missing something. Heirs would not be responsible for any debts of hi...
by Silk McCue
Thu Mar 23, 2017 6:28 pm
Forum: Investing - Theory, News & General
Topic: CEFs beat Vanguard
Replies: 9
Views: 1183

Re: Anti-Vanguard (Index Fund) Article

It's satisfying to read the comments attached to the article. The author is shredded and mocked for publishing this cherry picked misleading drivel by every reviewer as of the time I read them.
by Silk McCue
Thu Mar 23, 2017 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion question
Replies: 7
Views: 394

Re: Roth Conversion question

All things being equal, if I had the opportunity to convert $50k at 15% now rather than converting it's market appreciated future value 10 years from now when I didn't have the headroom to convert even a fraction of that I would jump all over it. I converted $52k at the end of last year and won't li...
by Silk McCue
Wed Mar 22, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Prepaying property taxes
Replies: 4
Views: 385

Re: Prepaying property taxes

I haven't seen the other threads but was aware of this limitation. You can double up but must do so by pushing out of one year into the following year (thus losing that tax year's deduction) and the paying the next years in that same calendar year. Both bills having been formally published and taxes...
by Silk McCue
Wed Mar 22, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Small appliance electrical safety
Replies: 37
Views: 1301

Re: Small appliance electrical safety

Higher amp breaker would be fine.
by Silk McCue
Wed Mar 22, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard keeps saying my e-mail address doesn't work
Replies: 10
Views: 701

Re: Vanguard keeps saying my e-mail address doesn't work

I was told that I had the same problem with my long standing, working perfectly, email address and have seen others post this same issue. I personally believe they have a problem in their system and we are paying the price. Speculation I know, but with a solid technical background the evidence sugge...
by Silk McCue
Wed Mar 22, 2017 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for new situation
Replies: 9
Views: 737

Re: Advice for new situation

I would continue to invest the same amount you have been investing if that is at all possible. You and your wife will need all the retirement savings you can put your hands on. You can count the potential pension as an addition to your income floor and hopefully it will work out for you and it will ...
by Silk McCue
Wed Mar 22, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: How do I share internet with my neighbor?
Replies: 17
Views: 1345

Re: How do I share internet with my neighbor?

Review this recent thread. The product discussed appears to have some unique capabilities compared to other products that can extend the wifi signal.

viewtopic.php?t=213195
by Silk McCue
Tue Mar 21, 2017 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: did anyone else get an email from investordelivery.com?
Replies: 8
Views: 367

Re: did anyone else get an email from investordelivery.com?

I only get prospectus's from Vanguard using that email address.
by Silk McCue
Tue Mar 21, 2017 6:37 pm
Forum: Investing - Theory, News & General
Topic: Sitting down with Fidelity advisor next week
Replies: 14
Views: 1727

Re: Sitting down with Fidelity advisor next week

Please video and post for us. :)
by Silk McCue
Mon Mar 20, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: How much tip for a baptism event?
Replies: 3
Views: 519

Re: How much tip for a baptism event?

I found this thread from a couple years or so back. It may help you absent of other replies.

viewtopic.php?t=103901
by Silk McCue
Mon Mar 20, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Any risk to being added to parents bank accounts?
Replies: 3
Views: 403

Re: Any risk to being added to parents bank accounts?

"Your older relative can add you as an authorized signer to a checking or savings account, without making you a joint owner. This means you can write checks and withdraw and deposit funds. However, because you are not an owner of the account, all transactions must be made on behalf of the elder...
by Silk McCue
Mon Mar 20, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: How much tip for a baptism event?
Replies: 3
Views: 519

Re: How much tip for a baptism event?

Does the contract include a service fee? If so, the tip may be included based upon the percentage of the fee.
by Silk McCue
Mon Mar 20, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Can Vanguard roll a pention plan to Roth IRA directly?
Replies: 17
Views: 940

Re: Can Vanguard roll a pention plan to Roth IRA directly?

I've never done that scenario but would suggest the following unless someone provides a concrete example at Vanguard contrary to what you were told. Call Vanguard back. You will get someone different this time. Ask them the same question you did before. If they give you the same answer just honestly...
by Silk McCue
Mon Mar 20, 2017 8:40 am
Forum: Investing - Help with Personal Investments
Topic: How to Save a Chart?
Replies: 9
Views: 562

Re: How to Save a Chart?

FYI - for any web page that doesn't have a "share this link" sort of thing you simply copy the entire web address in your browser. For instance this is a link i created for the weather in Las Vegas using that technique. https://weather.com/weather/today/l/USNV0049:1:US FYI, if you only co...
by Silk McCue
Sun Mar 19, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: How to Save a Chart?
Replies: 9
Views: 562

Re: How to Save a Chart?

Thank you Silk, exactly what I was looking for. I missed the share this chart link. FYI - for any web page that doesn't have a "share this link" sort of thing you simply copy the entire web address in your browser. For instance this is a link i created for the weather in Las Vegas using t...
by Silk McCue
Sun Mar 19, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: What is ideal master bedroom size?
Replies: 30
Views: 2234

Re: What is ideal master bedroom size?

Our closet is the same size, it works well for us. Like anything else it gets filled up. Our master with a king bed is a couple of feet wider each way than your proposed number and for me I wouldn't want it to be any less and don't need anymore. Having a good amount of room on each side of the bed i...
by Silk McCue
Sun Mar 19, 2017 10:10 am
Forum: Investing - Help with Personal Investments
Topic: How to Save a Chart?
Replies: 9
Views: 562

Re: How to Save a Chart?

Thanks, but I'm looking to save a live chart. If you want to have ready access to a live chart for one or more funds you need to store the link for that chart somewhere. You can do this by a couple of different approaches. 1) Bookmark the page in your browser once you are on the page. You can creat...
by Silk McCue
Sun Mar 19, 2017 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Review of tax software for trusts and estates
Replies: 20
Views: 1172

Re: Review of tax software

I think many that have posted are confusing the different software versions. I used the software for trusts and estates only: TaxAct for Trusts and Estates H&R Block Premium & Business TurboTax Business I completed and filed a 1041 for my MIL's estate using TaxAct online on March 6th. Based...
by Silk McCue
Sat Mar 18, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Review of tax software for trusts and estates
Replies: 20
Views: 1172

Re: Review of tax software

FBN2014 is more right than Silk McCue. My experience with TaxAct online was that you couldn't see or print the complete forms until you paid for and submitted the return, but you didn't pay anything until then. You had to review your return before submittal on the TaxAct input and summary screens. ...
by Silk McCue
Fri Mar 17, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Review of tax software for trusts and estates
Replies: 20
Views: 1172

Re: Review of tax software

You must be mistaken about Taxact not letting you modify anything on a return without paying again once you have printed. That defies logic and no one would use them.
by Silk McCue
Fri Mar 17, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Using 12-13% of Retirement Funds to pay off Mortgage?
Replies: 23
Views: 2007

Re: Using 12-13% of Retirement Funds to pay off Mortgage?

Fear and doubt are screaming in your ear - tell it to shut up. Whatever you do, don't permanently pull funds from your retirement accounts. You are in the market for the long haul and ups and downs are guaranteed to happen. Don't fear them, understand them and their place in a vibrant market. Just s...
by Silk McCue
Thu Mar 16, 2017 8:23 pm
Forum: Investing - Theory, News & General
Topic: Help with rebuttal to a Facebook post
Replies: 36
Views: 3809

Re: Help with rebuttal to a Facebook post

Reviewing their 1, 5, 10 year returns that include their 5.75% load the S&P500 fund beats all but one fund and then only once at the 10 year mark and then only by 0.15. They have a pretty graph going back to 1976 but not so much recently when compared to the S&P500.
by Silk McCue
Thu Mar 16, 2017 11:51 am
Forum: Investing - Theory, News & General
Topic: Different asset allocations in retirement?
Replies: 4
Views: 773

Re: Different asset allocations in retirement?

Over 10 years the dead weight of inflation will eat up about 1/3 of the purchasing power of my pension and Social Security. I'd like the 403(b) to restore some of that loss. I understand the impact of inflation on a pension without a COLA but what is your concern with Social Security? Is there some...
by Silk McCue
Thu Mar 16, 2017 8:23 am
Forum: Investing - Help with Personal Investments
Topic: How do you cope with regret over selling too soon?
Replies: 57
Views: 3100

Re: How do you cope with regret over selling too soon?

Stop beating yourself up. There are few that wouldn't wish to change a myriad of decisions that we have made in the past both financial and personal. None of us can predict the future and must simply do the best we can at the time. Before I became a boglehead I made some bone headed ignorant decisio...
by Silk McCue
Thu Mar 16, 2017 6:26 am
Forum: Investing - Help with Personal Investments
Topic: 1st Request; Post-Retirement Plan Critique
Replies: 25
Views: 1865

Re: 1st Request; Post-Requirement Plan Critique

You should be able to tell what type of brokerage account it is based upon its name on the website. if the Account is named with " Jane Doe Roth IRA Brokerage Acct" or "Jane Doe Traditional IRA Brokerage Acct" then it is what the name states. If it simply states "Jane Doe Br...
by Silk McCue
Wed Mar 15, 2017 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!
Replies: 38
Views: 1919

Re: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!

I would call your broker back and ask again. Tell them that you have no way to get a Medallion and push it up the chain if they say they do. Otherwise have them send you the check made out to you and then send without endorsing to Vanguard with the account number where the funds are to be placed. Va...
by Silk McCue
Tue Mar 14, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 24892

Re: How much is your cell phone bill?

Thank you for the suggestions! Would anyone know the best way to get a hold of cheap / free functioning phones? Cricket Wireless has dirt cheap phones in their available lineup. I see one for $9.99. Check out their website. Also checkout Freedompop.com. They have free plans with free phones with a ...
by Silk McCue
Mon Mar 13, 2017 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Finding The "Sweet Spot" on a Roth Conversion
Replies: 26
Views: 2541

Re: Finding The "Sweet Spot" on a Roth Conversion

There may be something I just don't understand but I can't see how with $41,737 of taxable income how your first $10k of conversion could be taxed at $41. Using The standard deduction and personal exemptions available to you the first $10k would mostly be in the 15% bracket. If I am wrong, what is i...
by Silk McCue
Mon Mar 13, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Finding The "Sweet Spot" on a Roth Conversion
Replies: 26
Views: 2541

Re: Finding The "Sweet Spot" on a Roth Conversion

Cherijoh got it right. I was just about to post the same incremental analysis. Assuming that you want to fill the 15% bracket 10k is the wrong answer and somewhere between 25k and 30k is the right answer and possibly $27,376 based upon your figures and my calculations. Use your tax software to show ...
by Silk McCue
Sat Mar 11, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Real estate omitted from living trust
Replies: 6
Views: 602

Re: Real estate omitted from living trust

Silk McCue: This property was intentionally omitted from the living trust. It is located in Florida and the owner was concerned that a transfer to the trust might impact their Florida homestead tax exemption. I understand. FYI, in Florida the homestead tax exemption is maintained when the homestead...
by Silk McCue
Fri Mar 10, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate omitted from living trust
Replies: 6
Views: 602

Re: Real estate omitted from living trust

That scenario is one of the reasons for the pour over will. To catch anything that was left out on purpose, by omission, or which should have gone in but didn't get done for whatever reason. Lots of Living Trusts get setup and never get anything put into the trust.
by Silk McCue
Fri Mar 10, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Protect myself from claims by movers or contractors?
Replies: 2
Views: 335

Re: Protect myself from claims by movers or contractors?

Based upon your concern you should hire a company that provides proof of workers compensation insurance as well as liability insurance. Hiring individuals directly is fraught with this type of risk.
by Silk McCue
Fri Mar 10, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Use cellphone tethering instead of home internet?
Replies: 24
Views: 1495

Re: Use cellphone tethering instead of home internet?

As long as the 3G speed satisfies the families needs I'd say give it a go. I'm actually surprised that it does. Does the speed meet the needs of the other family members? Your needs may be different than theirs.
by Silk McCue
Fri Mar 10, 2017 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Best Calculator for AA Stress Testing?
Replies: 2
Views: 229

Re: Best Calculator for AA Stress Testing?

mhalley wrote:You might try portfolio visualizor
https://www.portfoliovisualizer.com/mon ... simulation
It doesn't use individual funds but you can put in the type of funds. You can also use various lazy portfolios.


Thanks. This tool wasn't in my belt. It is now.
by Silk McCue
Fri Mar 10, 2017 3:51 pm
Forum: Investing - Theory, News & General
Topic: Thinking of transferring IRA to Vanguard? How it went for us.
Replies: 15
Views: 1962

Re: Thinking of transferring IRA to Vanguard? How it went for us.

Glad to hear that overall things went well. Earlier this week I was on the phone with both Vanguard and John Hancock as I was getting educated on something I wanted to accomplish. Each time I was on hold with Vanguard I was told how long the delay would be (5 to 15 minute timeframes) and was given t...
by Silk McCue
Fri Mar 10, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance from trust as a trustee
Replies: 2
Views: 252

Re: Inheritance from trust as a trustee

Yes. A quick google search will confirm that this is answer is correct.
by Silk McCue
Fri Mar 10, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing Office Condo- questions about how to structure
Replies: 2
Views: 219

Re: Purchasing Office Condo- questions about how to structure

Ultimately I believe you will be best served by consulting with a Tax Attorney once you have qualified that they have existing experience with your scenario. It will be money well spent.
by Silk McCue
Fri Mar 10, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Mass Mutual Retirement Plan
Replies: 2
Views: 321

Re: Mass Mutual Retirement Plan

Hello Mike, As as example I found this document for a Pipe Fitter Union Plan at Mass Mutual that is a couple of years old. It shows the expenses associated with the funds that they were invested in on the next to the last page. I am not claiming a relationship to your plan or offerings but there may...
by Silk McCue
Thu Mar 09, 2017 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Note funds
Replies: 8
Views: 482

Re: Investing in Note funds

A quick search yielded this "interesting" article.

https://papersourceonline.com/dirty-lit ... ing-notes/
by Silk McCue
Thu Mar 09, 2017 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of setting up a Vanguard brokerage account
Replies: 7
Views: 565

Re: Thinking of setting up a Vanguard brokerage account

Scooter - I am only interested in Vanguard offerings for simplicity reasons. I originally was only in mutual funds but wanted to utilize ETF's so I morphed to the Brokerage account and have been very happy with that decision. There may be issues for others that have needs beyond this which make it l...
by Silk McCue
Thu Mar 09, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of setting up a Vanguard brokerage account
Replies: 7
Views: 565

Re: Thinking of setting up a Vanguard brokerage account

Follow this link and make it so. I did this as soon as I decided to purchase some ETF's. Very simple.

https://investor.vanguard.com/info/account-upgrade

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