Search found 362 matches

by Silk McCue
Sun Dec 10, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Help with ACA problem
Replies: 7
Views: 700

Re: Help with ACA problem

How about planning to pick up some extra hours or get a seasonal side job to ensure that it happens.
by Silk McCue
Sat Dec 09, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Pay taxes on free food?
Replies: 27
Views: 2414

Re: Pay taxes on free food?

If a tree falls in the forest and no one is around to hear it, does it make a sound?
by Silk McCue
Sat Dec 09, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Deferring First RMD
Replies: 16
Views: 755

Re: Deferring First RMD

Never having to think again about a “terrible annuity” given these specifics - priceless. I speak from relieved personal experience.
by Silk McCue
Sat Dec 09, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 247
Views: 42844

Re: USAA 2.5% Cash Back Credit Card

I've had the 2.5% limitless cash back card for almost 3 months now. What I'm finding is that USAA is not calculating my rewards correctly. I've called them twice and each time I'm told "our IT guys on working on why rewards weren't issued for purchases made between <x and y> dates." I've reconciled...
by Silk McCue
Sat Dec 09, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion ... Timing
Replies: 3
Views: 274

Re: Roth Conversion ... Timing

It must be done this calendar year. Last trading day is the 29th. Don't wait until then.
by Silk McCue
Fri Dec 08, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 110
Views: 17568

Re: Where to buy a Vanguard hat? An Update and bad news

This is a link to the PDF I just received from Connie. https://www.dropbox.com/s/d2xkvxrzw5vmpbm/The%20Chandlery%20Ad.pdf?dl=0 I just placed an order for a couple of Bistro Mugs and the tan hat posted earlier in this thread (not on the flyer and in short supply as it was a limited run). The order wi...
by Silk McCue
Fri Dec 08, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: router - can I set it up myself?
Replies: 15
Views: 1039

Re: router - can I set it up myself?

I installed Google Wifi product yesterday. Easiest install ever using the app on my iPhone. They also have app for android. I bought a 3 pack and my wifi access throughout my house is greatly improved.
by Silk McCue
Fri Dec 08, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3126

Re: Please suggest a dry hands product

Miracle Hand Repair is a product I can highly recommend.
by Silk McCue
Fri Dec 08, 2017 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Analyzing Expense Ratios
Replies: 39
Views: 2100

Re: Analyzing Expense Ratios

Taking a look at your spreadsheet: Year 1 with Oppenheimer $4,200*(1.0668%) = $4480.56, amount of full return $4,200*(1.08%)=$4,536.00, the difference being $55.44 which is paid to fee's. When looking at Vanguard's fund comparison calculator, the potential amount that can be generated from mutual f...
by Silk McCue
Thu Dec 07, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 140
Views: 7322

Re: Do people still use AAA?

AAA gives me confidence to know that my wife won't be stranded if I'm not around when she needs assistance. Priceless.
by Silk McCue
Thu Dec 07, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Analyzing Expense Ratios
Replies: 39
Views: 2100

Re: Analyzing Expense Ratios

Part of the answer to your question depends on how much money you plan to save and we don't know that yet. We also don't know how much you would have to put into the 401k to get the entire match and how much the match actually is. Knowing those numbers might make it easier to visualize your situati...
by Silk McCue
Wed Dec 06, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Analyzing Expense Ratios
Replies: 39
Views: 2100

Re: Analyzing Expense Ratios

I just built a simple spreadsheet that I proposed earlier and find the following. Assuming annual 3k invested with 3k match with return of 4% annual for 20 years you end up with $185,815. Assuming annual 3k invested without a match with return of 7% for 20 years you end up with $131,596. Company mat...
by Silk McCue
Wed Dec 06, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Analyzing Expense Ratios
Replies: 39
Views: 2100

Re: Analyzing Expense Ratios

Your best bet would be to build a spreadsheet that modeled your specific circumstances to determine where and if a benefit exists. If it exists I expect it will be optimum at the full match. You would of course compare the performance of that secenario against just a straight investment at Vanguard ...
by Silk McCue
Tue Dec 05, 2017 1:40 pm
Forum: Investing - Theory, News & General
Topic: Account Valuation Report
Replies: 1
Views: 256

Re: Account Valuation Report

Adobe has a tool to do this. I have never tried it. Use the link below to sign up for the service with the first week free. You can cancel before the week is up and not pay the $14.99 per month fee. You would at least be able to look at the results and see if it has value for you. They have a stripp...
by Silk McCue
Sun Dec 03, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA 2018 Contribution
Replies: 15
Views: 2181

Re: ROTH IRA 2018 Contribution

Direct from your bank is just fine and the simplest especially if already set up.
by Silk McCue
Sun Dec 03, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying Roth
Replies: 2
Views: 298

Re: Simplifying Roth

If you want simple for an 80/20 go with Lifestrategy Growth Fund is a great option. Set it and forget it. LifeStrategy Moderate Growth Fund is 60/40.
by Silk McCue
Sun Dec 03, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA 2018 Contribution
Replies: 15
Views: 2181

Re: ROTH IRA 2018 Contribution

You can invest any amount at anytime throughout the year up to the maximum. You can invest in any available fund at anytime within the ROTH account. You can move your funds from one fund to another within the Roth account at anytime. The government does not care about any of this. They just care abo...
by Silk McCue
Wed Nov 29, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Car Rental
Replies: 22
Views: 1116

Re: Car Rental

On Orbitz for those dates Hertz has a Full Size for $817 total. Flagged as a "Great Deal" and I would have to agree.

Costcotravel.com shows the best rates they have at Alamo 8/1/18 - 8/31/18.
Economy - $1111
Compact - $1168
Intermediate - $1281
Fullsize - $1337
by Silk McCue
Sat Nov 25, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Should I keep the new iPad I bought or return it?
Replies: 51
Views: 3645

Re: Should I keep the new iPad I bought or return it?

Sitting on the couch watching TV and perusing bogleheads and etc. using my iPad. Much more enjoyable than on my iPhone 6 Plus. The increased landscape provides me significant benefit including reading books. Most recent purchase was "Can I Retire Yet" by Darrow Kirpatrick. Good price point on your i...
by Silk McCue
Thu Nov 23, 2017 6:55 am
Forum: Investing - Theory, News & General
Topic: UAE (Dubai) Bogleheads Chapter in the News
Replies: 4
Views: 586

Re: Our UAE local chapter is in the news

Congratulations on the the news article. I took a quick look around your website - nice job. It looks like you have a very healthy chapter.

Wishing you a very Happy Thanksgiving!
by Silk McCue
Tue Nov 21, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: Transportation from Orlando Airport to Port Canaveral
Replies: 7
Views: 778

Re: Transportation from Orlando Airport to Port Canaveral

Check this company out.

http://www.cbshuttle.com/port-canaveral-rates.htm

$33 to Port Canaveral/ Cocoa Beach from the airport. Uber currently shows $48.
by Silk McCue
Mon Nov 20, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring $$ from Ally
Replies: 19
Views: 1254

Re: Transferring $$ from Ally

I would think a ACH transfer from Ally to your brick and mortar would be the most direct and likely fee free approach. It is more deterministic in my mind as opposed to a pull request.
by Silk McCue
Mon Nov 20, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 13894

Re: Dave Ramsey says don't use credit cards, even if you pay them off

I think it's fine if Dave Ramsey has no credit cards... He doesn't. Anyone that wants to get a from the horse's mouth perspective on his philosophy read the following transcript from a call from his radio program. If you've never heard him I'd suggest you take the time to listen to the recording as...
by Silk McCue
Sun Nov 19, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 13894

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Dave's number one sin is claiming one can safely withdraw 12% per year of retirement funds. However as of late he stays that even if I'm half right you'll still have plenty of money. A 6% withdrawal rate is also not a safe withdrawal rate. DA Dave Ramsey doesn't say this. Please google this and pos...
by Silk McCue
Sun Nov 19, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 13894

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Dave's number one sin is claiming one can safely withdraw 12% per year of retirement funds. However as of late he stays that even if I'm half right you'll still have plenty of money. A 6% withdrawal rate is also not a safe withdrawal rate. DA Dave Ramsey doesn't say this. Please google this and pos...
by Silk McCue
Sat Nov 18, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Take Pension or Lump Sum payout?
Replies: 12
Views: 1173

Re: Take Pension or Lump Sum payout?

Wyatt - Our household is in the Florida Retirement System. 2 years into DROP and 3 years until retirement 2.6% COLA. at the end of 5 years we will have five years of pension payments waiting for us on retirement day (and that is no small sum). Our annual benefit is smaller than yours. I wouldn't tra...
by Silk McCue
Fri Nov 17, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Which Target Date Fund?
Replies: 13
Views: 1109

Re: Which Target Date Fund?

Vanguard Target Retirement 2050 Fund (VFIFX)

Turnover rate
11.70% (Fiscal year-end 09/30/2017)

https://advisors.vanguard.com/VGApp/iip ... undId=0699
by Silk McCue
Fri Nov 17, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Renting a car from Atlanta GA to Austin TX: $$$
Replies: 33
Views: 1696

Re: Renting a car from Atlanta GA to Austin TX: $$$

I believe you can go to Costcotravel.com and research quotes directly without a membership, you just can't purchase. A full size Enterprise is $1274. That is at a non-airport location in Austin. For almost all rental car agencies (excluding Thrifty and Dollar on Orbitz), regardless of what web site ...
by Silk McCue
Fri Nov 17, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: St. Petersburg, FL visit: Rental car, tolls, SunPass questions
Replies: 16
Views: 653

Re: St. Petersburg, FL visit: Rental car, tolls, SunPass questions

I'd recommend you set up an account online at sunpass.com and order a transponder in advance of your trip. It will be mailed to you within a week. You can pay 19.99 for the portable version or 4.99 for a stick on version that can be applied only once and then remove it before you return the car. Whe...
by Silk McCue
Thu Nov 16, 2017 7:04 pm
Forum: Investing - Theory, News & General
Topic: Luxury Index Funds
Replies: 12
Views: 1709

Re: Luxury Index Funds

I believe it is better for many to utilize a Low Rent Fund of Funds (I certainly would never call this a Luxury Fund as it appears to mock the insignificant additional expense (and those that pay it) to cover the slightly more administratively complex nature of the product). If you choose to impleme...
by Silk McCue
Wed Nov 15, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8772

Re: Has used furniture dropped in value dramatically?

We had a professional company setup an estate sale of the contents of my MILs house in 2016. She had some beautiful antique furniture. They told us going in that in today's market people have very little interest in such furniture. Tastes have indeed changed. They were correct. Some pieces sold, som...
by Silk McCue
Wed Nov 15, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: SS application at 70, 1st of the month birthdate
Replies: 2
Views: 473

Re: SS application at 70, 1st of the month birthdate

Here is the definitive answer that I believe you are looking for. https://www.ssa.gov/planners/retire/agereduction.html Footnote from this page: I f you were born on the 1st of the month, we figure your benefit (and your full retirement age) as if your birthday was in the previous month . If you wer...
by Silk McCue
Wed Oct 25, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance company will not process policy due to "unknown" cause of death
Replies: 14
Views: 2394

Re: Insurance company will not process policy due to "unknown" cause of death

AlohaJoe wrote:
Wed Oct 25, 2017 7:22 pm
There are attorneys that handle insurance denials; I'd try to find one of them.
Just noticed you live in Saigon. Good morning!
by Silk McCue
Wed Oct 25, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance company will not process policy due to "unknown" cause of death
Replies: 14
Views: 2394

Re: Insurance company will not process policy due to "unknown" cause of death

Sorry to hear of the difficulty. I have no experience and others hopefully come along that do. However I would suggest that they ask for a formal written notice from the insurance company specifying the specific reason(s) the claim is being denied. I would also expect those reasons to reference docu...
by Silk McCue
Wed Oct 25, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: How Well Do You Know About Retirement Income?
Replies: 40
Views: 4616

Re: How Well Do You Know About Retirement Income?

Thanks for sharing it was a nice exercise. I scored 35 out of 38 as well.
by Silk McCue
Wed Oct 25, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Package addresssed to my address, someone else's name, on house I am selling
Replies: 35
Views: 2752

Re: Package addresssed to my address, someone else's name, on house I am selling

westrichj312 wrote:
Wed Oct 25, 2017 3:33 pm
I would open it up and keep it as it might have some value. finders keepers.
Not funny. If not intended to be funny then you have issues that need to be fixed.
by Silk McCue
Wed Oct 25, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Moved to Vanguard this year. Set target allocation. Now significantly outside target range. Now what?
Replies: 30
Views: 1924

Re: Moved to Vanguard this year. Set target allocation. Now significantly outside target range. Now what?

I am editing to my original post to answer your questions. I do not see these edits. [/quote] Sorry, it is showing lower down in this thread. I thought I edited my original post but somehow I did not. [/quote] Pleas edit the original post even if you did it elsewhere. You are making it difficult fo...
by Silk McCue
Wed Oct 25, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Credit card companies forgiving debt after death?
Replies: 48
Views: 3907

Re: Credit card companies forgiving debt after death?

Executors are supposed to pay valid claims. Yes, but what is a "valid claim"? Not just somebody saying there's money owed. My attorney told me not to pay anything unless they filed a claim against the estate. As I mentioned, my sister paid some anyway, and it was worth it on the apartment rent to j...
by Silk McCue
Wed Oct 25, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: How to get over the fear of traveling without spouse and children?
Replies: 52
Views: 4277

Re: How to get over the fear of traveling without spouse and children?

Do not let fear control living your life. Traveling overseas is as safe as most everything you do here at home. There are tens of thousands of Americans traveling overseas and returning home safely all the time. This is encouragement and not chastisement.
by Silk McCue
Wed Oct 25, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: FIL Stage 4 Cancer - Next steps
Replies: 28
Views: 3167

Re: FIL Stage 4 Cancer - Next steps

Thank you all for the great advice. Does anyone have any information or good resources for the potential for SSI Disability given a diagnosis of Metastatic Melanoma? Please take a look at the following. https://www.disabilitybenefitscenter.org/compassionate-allowances/malignant-melanoma-with-metast...
by Silk McCue
Wed Oct 25, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Contribute to spouse's Roth?
Replies: 22
Views: 1844

Re: Contribute to spouse's Roth?

Roth space if obviously precious. I would say that this would be wise based upon your logic that you can withdraw the contributions if needed for the mortgage. If your wife has an issue with you doing this you could agree to take advantage of the Roth space and she could replenish that amount once s...
by Silk McCue
Wed Oct 25, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: FIL Stage 4 Cancer - Next steps
Replies: 28
Views: 3167

Re: FIL Stage 4 Cancer - Next steps

CHM pays as agreed and has for years. Just because you don't believe it's not good doesn't mean it isn't. A simple google search puts that seriously in doubt. You can google "problems with Index funds" and find lots of reasons not to invest in them. You can google "should I get married" and would p...
by Silk McCue
Wed Oct 25, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: FIL Stage 4 Cancer - Next steps
Replies: 28
Views: 3167

Re: FIL Stage 4 Cancer - Next steps

Health Insurance Update: Plan: Christian Healthcare Ministries, Gold Plan, Brothers Keeper So, it looks like there is a $500 cap per incident (I am assuming an occurrence of cancer is an incident). No annual cap per incident (would be capped at $125,000 w/out Brother's Keeper). Given this, is the r...
by Silk McCue
Wed Oct 25, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: What is a virtual private network (VPN) and how will it help me?
Replies: 14
Views: 1457

Re: What is a virtual private network (VPN) and how can it help with KRACK vulnerability?

So, I don't understand how a VPN could help with the KRACK vulnerability so why the heck is Norton suggesting it? It appears that it can help secure your connection on public networks, but the KRACK vulnerability involves a potential breach of your private network via a vulnerability with WPA2 encr...
by Silk McCue
Tue Oct 24, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: New TV, what's important?
Replies: 42
Views: 3003

Re: New TV, what's important?

I won't give up my 9 year old 720p 60" Pioneer Elite Plasma for anything. It is an exceptional piece of technology on so many levels.
by Silk McCue
Tue Oct 24, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: I just want to invest 200k and get 3%
Replies: 20
Views: 5288

Re: I just want to invest 200k and get 3%

Someone posted about this offer here a couple of weeks ago. Instructions on how to become a member are provided on the page link.

30 month Jumbo Share Certificate 2.75%

https://www.gtefinancial.org/for-member ... te-special
by Silk McCue
Mon Oct 23, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: FIL Stage 4 Cancer - Next steps
Replies: 28
Views: 3167

Re: FIL Stage 4 Cancer - Next steps

Their coverage under CHM is dictated by their participation level. Gold, Silver, Bronze and whether they participate in My Brothers Keeper. A recent communication with CHM will show this. They should then call CHM and discuss the situation and get guidance.