Search found 272 matches

by Silk McCue
Tue Jun 27, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Receiving Magazines...Never Subscribed
Replies: 19
Views: 919

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: 2305

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: 23
Views: 2218

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: 700

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: 700

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: 700

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: 536

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 i...
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: 2334

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: 2334

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: 515

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: 1659

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: 22
Views: 1151

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: 1834

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: 16336

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: 2246

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: 3252

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.
by Silk McCue
Fri Jun 16, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid Planning
Replies: 32
Views: 1834

Re: Medicaid Planning

I guess it's O.K. if you want to go into a Medicaid nursing home so badly that you're willing to give away the money that otherwise would let you have some options as to facilities and accommodations. Where I live, you'd have to be very strange indeed to put yourself into a Medicaid nursing home vo...
by Silk McCue
Fri Jun 16, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid Planning
Replies: 32
Views: 1834

Re: Medicaid Planning

bubbadog, Thanks for the feedback. You hit on a key point, because you are giving up control of the assets forever the trust grantor must have ultimate faith in the trustee as there is lots of opportunity for shenanigans. My understanding is that in Florida the trustee cannot be anyone related by b...
by Silk McCue
Fri Jun 16, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Should I cancel my whole life policy?
Replies: 80
Views: 8338

Re: Should I cancel my whole life policy?

Congratulations! Very happy for the outcome and that others here gave you advice and encouragement that helped make it happen. Enjoy an extra nice evening out this weekend to celebrate!
by Silk McCue
Fri Jun 16, 2017 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Amazon [stock]
Replies: 25
Views: 2313

Re: Amazon

If you want to own an individual stock and believe it will be a strong producer in the long term then you should buy it today. Buying individual stocks as you know is not how this group rolls so the answer for me personally would be to never buy an individual stock unless I wanted to treat it like p...
by Silk McCue
Thu Jun 15, 2017 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Is my pension a Fixed asset?
Replies: 37
Views: 2290

Re: Is my pension a Fixed asset?

I recommend treating a Pension as a floor of income upon which other resources will need to be added to meet your spending needs. You can't rebalance it so it should not be a part of your asset allocation. If you do that your investments are going to go heavy on the equity side and in a market downt...
by Silk McCue
Thu Jun 15, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: My Variable Annuity [what do I have?]
Replies: 39
Views: 3252

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

Thank you all for your consideration and input. I spoke with a fiduciary advisor, and their evaluation fit with the discussion here: while the annuity isn't terrible as far as annuities go, the money could probably be put to better use. My plan is to move the money to my Vanguard IRA. Thanks again!...
by Silk McCue
Thu Jun 15, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: trying to join MR. MONEYMUSTACHE forum
Replies: 7
Views: 2246

Re: trying to join MR. MONEYMUSTACHE forum

Open a separate tab in your browser and perform a Google search of this form which searches the "site" you identify One of the challenge phrases that appeared to me was - Curing your clown-like car . Put that in quotes "" to help focus the search Google Search - "Curing your...
by Silk McCue
Mon Jun 12, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: Got a parking ticket - what to do?
Replies: 44
Views: 3010

Re: Got a parking ticket - what to do?

Since the information doesn't match your vehicle and therefore cannot, legally or otherwise, in any way, be associated with you ... you have a really cool souvenir that can be framed and talked about for years.

This case is closed.
by Silk McCue
Mon Jun 12, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Attorneys: Can family be held liable if moving elder into independent living apartment?
Replies: 17
Views: 1887

Re: Attorneys: Can family be held liable if moving elder into independent living apartment?

I always recommend Board Certified Elder Law attorneys not just an attorney that handles elder affairs. If this designation does not apply in your state then make certain the highest level of designation is the one you select. I wish you wisdom in this difficult situation.
by Silk McCue
Sun Jun 11, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Auto-Debit May Not Be Such a Good Idea
Replies: 25
Views: 3118

Re: Auto-Debit May Not Be Such a Good Idea

Many Bogleheads drive motor vehicles. The linked article explains why it may not be such a good idea: U.S. Traffic Deaths Rise for a Second Straight Year - The New York Times . Sometimes there is risk associated with increased convenience, but that doesn't necessarily mean we should forego the incr...
by Silk McCue
Sun Jun 11, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Auto-Debit May Not Be Such a Good Idea
Replies: 25
Views: 3118

Re: Auto-Debit May Not Be Such a Good Idea

I have been doing auto-debit for 20 years with numerous providers. I have yet to have a problem. I also have never had a bill paid late in that same time frame. There is some risk in everything but I've yet to encounter any issue here. If I every do, I will deal with it. In the meantime, I NEVER won...
by Silk McCue
Sun Jun 11, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 91
Views: 15733

Re: Amazon Echo (Alexa)

Just wait until the ads start: 15-second ads coming to Amazon’s Alexa I clicked on the link and the original article appears to have been a bit incorrect. The beginning of the article now states the following: "Updated, May 17: Amazon has issued a statement on Voicelabs, saying: "Amazon i...
by Silk McCue
Sun Jun 11, 2017 2:10 pm
Forum: Investing - Theory, News & General
Topic: Troublesome and questionable change in I-ORP Social Security Calculations
Replies: 16
Views: 1294

Re: Troublesome and questionable change in I-ORP Social Security Calculations

I side with the author (of I-Orp) on the issue of Social Security. Of the two options, I'd rather my calculations for that item are conservative and based on current fact, rather than presume somebody somewhere will implement a rescue. Heck, this problem has been known for going on 50 years, and no...
by Silk McCue
Sun Jun 11, 2017 7:04 am
Forum: Investing - Theory, News & General
Topic: Troublesome and questionable change in I-ORP Social Security Calculations
Replies: 16
Views: 1294

Re: Troublesome and questionable change in I-ORP Social Security Calculations

I use I-ORP and saw this change for Social Security. It is being used on other models as well, so I see nothing wrong with including this in the assumptions because it is a fact that SOMETHING will change, and a 23% reduction is a better guess than assuming the payments will continue as they are no...
by Silk McCue
Sun Jun 11, 2017 6:53 am
Forum: Investing - Theory, News & General
Topic: Troublesome and questionable change in I-ORP Social Security Calculations
Replies: 16
Views: 1294

Re: Troublesome and questionable change in I-ORP Social Security Calculations

"quote]Issue #2 - When you enter the percentage of stocks in the your various investment categories "At Retirement" it sets a glide path starting at 100% stocks from your current age until your retirement age. I hadn't noticed, but that does seem pretty aggressive as an assumption, a...
by Silk McCue
Sat Jun 10, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: Troublesome and questionable change in I-ORP Social Security Calculations
Replies: 16
Views: 1294

Troublesome and questionable change in I-ORP Social Security Calculations

I have spent a significant amount of time with I-ORP in the past along with Firecalc and appreciate the value of both. I had not used I-ORP since March but went back in yesterday to tweak a couple of scenarios. I found the following of concern: Issue #1- Serious Implications By chance I clicked on t...
by Silk McCue
Tue Jun 06, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Anti virus protection
Replies: 27
Views: 2098

Re: Anti virus protection

I use PC Matic Super Shield. I purchase a lifetime license for 5 PCS for $150 a year ago. I am very pleased with the product. It is in the top rated group in of stopping viruses.
by Silk McCue
Mon Jun 05, 2017 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: My Variable Annuity [what do I have?]
Replies: 39
Views: 3252

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

Lookingforward, I had a variable annuity I was sold in 2007 and based upon my circumstances finally bit the bullet and rolled it into my Vanguard IRA earlier this year. The non Cola'd guaranteed payments in 4 years were going to whither away with inflation with no real hope of growth. Based upon my ...
by Silk McCue
Fri Jun 02, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Different Flavor Should I Time the Market
Replies: 7
Views: 701

Re: Different Flavor Should I Time the Market

So very sorry to hear about this situation. Engaging the elder law attorney was wise. I appreciate your desire to keep your wife in a family setting but private care in-home, which from your description in your concurrent post will require skilled nursing not just a certified nursing assistant, CNA,...
by Silk McCue
Thu May 18, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Death in family a week before cruise
Replies: 30
Views: 3560

Re: Death in family a week before cruise

Sorry for the loss. Check your credit card. My Marriott Visa covers up to $5k for an individual $10k for the trip. My USAA Visa only covered a flat $1500 so I didn't use that one.
by Silk McCue
Wed May 17, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: MRD Withdrawal Question:
Replies: 6
Views: 646

Re: MRD Withdrawal Question:

Don't forget about QCD's if you give to charity. They just make the income "disappear" from your tax return.
by Silk McCue
Wed May 17, 2017 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 5984

Re: Convince me to get back into stocks!

It appears you have been in cash since 2014 if I read your post correctly. If so you already missed some significant growth.

We aren't market timers here. We never will be.

We are bogleheads not gamblerheads.
by Silk McCue
Mon May 15, 2017 7:07 pm
Forum: Investing - Theory, News & General
Topic: Obtaining 2 Roth IRAs
Replies: 12
Views: 911

Re: Obtaining 2 Roth IRAs

Your mother can't have both a fully funded Traditional IRA and a Roth IRA. Therefore if she likes her Traditional fully funded IRA and the tax benefit from it then this scheme is a non starter. You cannot fund your Mother's Roth IRA. You can gift her $6500 and she can do with that money as she wants...
by Silk McCue
Mon May 15, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance: How Early Is Too Early?
Replies: 14
Views: 1177

Re: Life Insurance: How Early Is Too Early?

You potentially need life insurance to avoid being a burden on others in the event of an untimely death including being incapacitated for a while prior to death. You need a Will, a Living Will, Health Care Surrogate designation and POA for while alive but unable to act on your own behalf. Without th...
by Silk McCue
Sun May 14, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Where do you get your tea ?
Replies: 23
Views: 2102

Re: Where do you get your tea ?

https://www.harney.com

We use Harney and Sons. Very happy with the quality.
by Silk McCue
Sat May 13, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: Bookkeeping software for iPad? Quickbooks?
Replies: 5
Views: 419

Re: Bookkeeping software for iPad? Quickbooks?

A simple Google search leads to:

https://quickbooks.intuit.com/mobile/

It requires Quicken Online service. You should be able to assess its suitability for your friends use with her business.
by Silk McCue
Sat May 13, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: schedule c for single owner llc
Replies: 7
Views: 685

Re: schedule c for single owner llc

Silk McCue: Did you not read my quote of the 2016 Schedule C, Line D instructions. This has changed for 2016. You most definitely now use the LLC's EIN. Thanks for pointing this out to me. I sold my business 2 years ago and last filed for 2015 taxes with that circumstance. I was unaware of the chan...
by Silk McCue
Sat May 13, 2017 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: moving LLC to FL and relocating to foreign country
Replies: 3
Views: 396

Re: moving LLC to FL and relocating to foreign country

You asked this same question in April and received feedback at that time. If you still have the same question I suggest you contact a Professional for an answer as getting this wrong could be costly. This your prior post. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=217645&p=3346662#...
by Silk McCue
Sat May 13, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: schedule c for single owner llc
Replies: 7
Views: 685

Re: schedule c for single owner llc

As a single member LLC it is a disregarded entity and therefore there is no reason to reference it on your tax return. In fact that would just confuse things potentially. If you had 50 employees the rules would be the same. I know this because I did have 50 employees and 15 1099s. You simply file yo...
by Silk McCue
Sat May 13, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: recent widow needs help with life insurance payout options
Replies: 44
Views: 3088

Re: recent widow needs help with life insurance payout options

I am sorry for your loss. Too many replies don't understand that insurance companies regularly offer Option 2. This is a true 3% return on the proceeds or a portion of the proceeds from the life insurance policy. My mother and mother-in-law both took advantage of this from State Farm and MetLife whe...
by Silk McCue
Sat May 13, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: "simultaneous death" of IRA owner and spousal beneficiary
Replies: 13
Views: 1310

Re: "simultaneous death" of IRA owner and spousal beneficiary

IANAL but I believe that the will will prevail in this circumstance. Some beneficiary and will designations allow for special contingencies to be setup such that if the beneficiary dies within 30 days following my death then they shall be considered to have pre-deceased me. With no contingent benefi...
by Silk McCue
Fri May 12, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Debt refinancing
Replies: 1
Views: 223

Re: Debt refinancing

My math shows you would save about $2200 over the next six months by refinancing now. Deduct from that any costs or expenses involved with the loan and then decide. No way you stay with a 5.05% loan if you could get 4% or less beyond that.
by Silk McCue
Sat May 06, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Pension Analysis
Replies: 18
Views: 2382

Re: Defined Benefit Pension Analysis

Actuarial equivalence seems to be much less important than the financial security of the survivor the day after the pensioners death. Death does not always come in the form of old age but also due to unexpected medical conditions and car accidents. Retirement for my wife and I is a team sport and we...
by Silk McCue
Sat May 06, 2017 6:08 am
Forum: Personal Consumer Issues
Topic: Vacation ideas in the US south - Christmas 2017 - Galveston, St Augustine? Others?
Replies: 21
Views: 1147

Re: Vacation ideas in the US south - Christmas 2017 - Galveston, St Augustine? Others?

Wow, thank you folks. A lot of great ideas. I think Galveston is not a great idea. I agree. I will do some search in the various locations mentioned in FLorida. We thought about Caribbean destinations. But, they seem rather expensive for that time of the year. How is Cocoa beach area? Worth visitin...

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