Search found 285 matches

by Silk McCue
Wed Aug 16, 2017 4:21 pm
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 103
Views: 13981

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: 10
Views: 1008

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: 981

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: 133
Views: 6275

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: 6880

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: 448

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: 448

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: 451

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: 993

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...
by Silk McCue
Sat Aug 05, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: knee replacement and air travel screening
Replies: 11
Views: 1172

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: 2
Views: 343

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: 2222

Re: vetting/finding a financial advisor

m. 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 make certain. Then give them a call to ...
by Silk McCue
Tue Jun 27, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Receiving Magazines...Never Subscribed
Replies: 19
Views: 1122

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: 2608

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: 2731

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: 826

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: 826

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: 826

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: 598

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: 2630

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: 2630

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: 588

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: 1828

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: 1500

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: 2052

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: 18070

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: 2327

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: 3514

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: 2052

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: 2052

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: 8890

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: 2472

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: 2491

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: 3514

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: 2327

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: 3254

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: 2004

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: 3254

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: 3254

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: 16234

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: 1396

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: 1396

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: 1396

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: 1396

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: 2361

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: 3514

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: 783

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: 3803

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: 769

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.