Search found 504 matches

by Silk McCue
Wed Feb 21, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Reporting back on variable annuity research
Replies: 8
Views: 747

Re: Reporting back on variable annuity research

Thanks for the update. Just the other day I was wondering whether or not you took the next step with Macro Consulting. This feedback will allow me to avoid recommending annuitygator and to have confidence in Macro in the future. I am certain the topics will arise many times in the years to come.
by Silk McCue
Tue Feb 20, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 72
Views: 5257

Re: Multiple Offer situation/should we pull our offer?

This is our first offer on a house and I guess I am naive. In a business setting you’re only as good as your word. If you say you’re going to do something, I expect it to get done. I guess I assume too much of people to say “you do XYZ and we’ll do ABC.” We’ll wait it out I guess, not like we have ...
by Silk McCue
Tue Feb 20, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 72
Views: 5257

Re: Multiple Offer situation/should we pull our offer?

My wife and I saw and bid on a house. Our buyer’s agent informed us that after speaking with the seller’s agent, they were taking all “best and final offers” due at 5PM today. We submitted an offer at 3:30pm at $2000 over asking and that it is our best, only and final offer. At 4:30 PM we received ...
by Silk McCue
Tue Feb 20, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 72
Views: 5257

Re: Multiple Offer situation/should we pull our offer?

Like you, I don’t like being jerked around. I consider what they have done as bad faith. That being said, if my wife really wanted the house I wouldn’t pull the plug, but neither would I dance further for these people. Tomorrow will come soon enough and the decision will be made. Wishing you the best.
by Silk McCue
Tue Feb 20, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: frustrated with patek philippe poor service
Replies: 29
Views: 2387

Re: frustrated with patek philippe poor service

Katietsu wrote:
Tue Feb 20, 2018 4:34 pm
Read this story. Then you at least will understand the world you are interacting with.

https://www.google.com/amp/s/mobile.nyt ... e.amp.html
Thanks for finding and sharing this interesting read.
by Silk McCue
Tue Feb 20, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use Free H&R Block online to file my taxes if my taxable income is more than $99,999?
Replies: 15
Views: 1095

Re: Can I use Free H&R Block online to file my taxes if my taxable income is more than $99,999?

The link just confirms that someone else had the same problem as the OP, with the same response of income over $99,999. I think the OP is looking for an official HR Block statement that the limitation is correct and not just a software mistake. Usually such a confirming question and answer given in...
by Silk McCue
Tue Feb 20, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use Free H&R Block online to file my taxes if my taxable income is more than $99,999?
Replies: 15
Views: 1095

Re: Can I use Free H&R Block online to file my taxes if my taxable income is more than $99,999?

No you can't. A quick google search reveals this. Bogleheads is not the best place to get fast answers to questions of this nature that can readily be found on the web. I googled my issue several times but didn't find any answer nor any mention of a $99,999 limit to file for free on H&R block. Coul...
by Silk McCue
Tue Feb 20, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use Free H&R Block online to file my taxes if my taxable income is more than $99,999?
Replies: 15
Views: 1095

Re: Can I use Free H&R Block online to file my taxes if my taxable income is more than $99,999?

No you can't. A quick google search reveals this. Bogleheads is not the best place to get fast answers to questions of this nature that can readily be found on the web. I googled my issue several times but didn't find any answer nor any mention of a $99,999 limit to file for free on H&R block. Coul...
by Silk McCue
Tue Feb 20, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use Free H&R Block online to file my taxes if my taxable income is more than $99,999?
Replies: 15
Views: 1095

Re: Can I use Free H&R Block online to file my taxes if my taxable income is more than $99,999?

No you can't. A quick google search reveals this. Bogleheads is not the best place to get fast answers to questions of this nature that can readily be found on the web.
by Silk McCue
Mon Feb 19, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring from Financial Advisor
Replies: 12
Views: 1251

Re: Transferring from Financial Advisor

You could interview and hire a fee only advisor (you only pay for their time eg Garret Network) You want someone that will recommend a broadly diverse, low expense portfolio as is recommended here. You only need to engage them once if you do a comprehensive plan but would still have the option to pa...
by Silk McCue
Mon Feb 19, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Best Investment Options with Zero Earned Income
Replies: 16
Views: 989

Re: Best Investment Options with Zero Earned Income

If you haven't already, you should consider whether you would benefit long term by performing Roth conversions during these years. You would pay taxes on the 401k withdrawals and conversions from the available investment funds that you speak of.
by Silk McCue
Mon Feb 19, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Employee, independent contractor or what?
Replies: 4
Views: 270

Re: Employee, independent contractor or what?

My opinion, you are overthinking this. Since you are known by MegaCorp (and thus the President by association), as a 1099 contractor, you do not need to notify the President that you are providing/selling services to them. Were you a true employee, not just being treated as one in terms of this exer...
by Silk McCue
Sun Feb 18, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9112

Re: Do you wear a wedding band? [at a job interview]

When I go out in public my wedding ring is on. It represents something that I cherish. If I thought it would affect me positively by not wearing it to an interview I would not be interested in the job.
by Silk McCue
Sun Feb 11, 2018 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Determining Correct Federal Income Tax Liability/Withholding
Replies: 8
Views: 751

Re: Determining Correct Federal Income Tax Liability/Withholding

Based upon stated assumptions your calculations are correct. To compare your tax obligation for 2018 to the prior tax law go to this website (it confirms your figures for this year given standard deduction.)

http://taxplancalculator.com/

Cheers
by Silk McCue
Fri Feb 09, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: sudden overnight problem with spam email
Replies: 20
Views: 1381

Re: sudden overnight problem with spam email

How concerned should I be about my email being compromised? You should not be concerned at all. Receiving spam email does not mean that your account has been compromised. Do not let this unnerve you. Just be happy that Gmail does a very good job of identifying Spam. I have used for years and my Spa...
by Silk McCue
Wed Feb 07, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Unusual allocation issue: need help!
Replies: 10
Views: 1024

Re: Unusual allocation issue: need help!

I would utilize Total Stock Market. It achieves your stated goal and requires no math or management to keep it balanced against that goal. I personally would include Total International for a percentage of the funds as it provides greater diversification. Clearly a personal choice.
by Silk McCue
Mon Jan 29, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Rule 72T: Just how does this work? Anyone do this?
Replies: 5
Views: 664

Re: Rule 72T: Just how does this work? Anyone do this?

Your first challenge is the IRS rules regarding the amounts that can be withdrawn annually. I found a clear resource for understanding this consideration - quoting one key section regarding life expectancy that will limit annual withdrawals prior to 59.5 and a link to the full article. Calculation f...
by Silk McCue
Tue Jan 23, 2018 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Recommendation
Replies: 9
Views: 785

Re: Vanguard Advisor Recommendation

Or a one fund portfolio: Vanguard Target Retirement Income (30% stocks including international and 70% bonds). That's the simplest approach if you don't want to manage your investments or pay someone to do it for you. Vanguard will rebalance the investments to keep the 30/70 allocation at no cost t...
by Silk McCue
Sat Jan 20, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: How will or might nonprofits be affected by tax law changes?
Replies: 36
Views: 1890

Re: How will or might nonprofits be affected by tax law changes?

What about the effect on nonprofits that are not charities? If the nonprofit had status that did not allow for the deduction of contributions in 2017 I can't see any reason that they would be impacted going forward. Unless of course, the contributor was ignorant of this and claimed the contribution...
by Silk McCue
Fri Jan 19, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: How will or might nonprofits be affected by tax law changes?
Replies: 36
Views: 1890

Re: How will or might nonprofits be affected by tax law changes?

You either give out of an abundance of a willing heart or you don’t. Most people that give out of that abundance will remain generous and may use tax wise strategies like bunching every other year or using a DAF, or they will just accept that they will not get as much of a tax benefit - they won’t c...
by Silk McCue
Thu Jan 18, 2018 8:07 am
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 7573

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

It is apparent that people aren't clicking on the link and taking time to get an informed understanding of what is being offered and are just responding to the headline. This course isn't meant for most folks on this forum. It clearly has a target audience that would likely greatly benefit from the ...
by Silk McCue
Wed Jan 17, 2018 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington or Target Retirement 2025
Replies: 9
Views: 876

Re: Wellington or Target Retirement 2025

To quote "neurosphere" (a regular poster here on BH): " If you wonder if a TargetDate fund is right for you, it is " I’ve seen this reference before, and recently at that, and I couldn’t disagree more. We have thousands of people visit this site trying to figure out a myriad of issues and questions...
by Silk McCue
Fri Jan 12, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: New Tax Plan - How to make the most of it?
Replies: 43
Views: 4869

Re: New Tax Plan - How to make the most of it?

I know. But I mean, part of the reason I'm max-ing the retirement contributions is to save tax. In 2017, if I don't make any contributions to retirements, I'm in the 28% bracket and pay $28.3k tax. When I max the contributions, I bring myself from 28% to 25% bracket and pay $17.5k tax. I save $10.8...
by Silk McCue
Fri Jan 12, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: New Tax Plan - How to make the most of it?
Replies: 43
Views: 4869

Re: New Tax Plan - How to make the most of it?

I know. But I mean, part of the reason I'm max-ing the retirement contributions is to save tax. In 2017, if I don't make any contributions to retirements, I'm in the 28% bracket and pay $28.3k tax. When I max the contributions, I bring myself from 28% to 25% bracket and pay $17.5k tax. I save $10.8...
by Silk McCue
Fri Jan 12, 2018 5:20 pm
Forum: Investing - Theory, News & General
Topic: Chained CPI Impact
Replies: 8
Views: 958

Re: Chained CPI Impact

Chained CPI in the new tax bill is applied to the annual expansion of the tax brackets. It is not a new standard applied globally in place of CPI. I think chained CPI will also be used for determining SS benefit increases. I didn't search the web exhaustively but I find no reference to Chained CPI ...
by Silk McCue
Fri Jan 12, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 54
Views: 5079

Re: Letter from Social Security re Fraudulent Claim

Update: I spoke with the SSA - someone tried to make a claim for 6 months back-benefits using my SS number. They caught it. I have an appointment to go in to sign a document that will be used to create the legal file on this matter. The SSA employee (the person identified in the letter, who was qui...
by Silk McCue
Fri Jan 12, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Andoird device, Wifi cutting out when sleeping
Replies: 6
Views: 654

Re: Andoird device, Wifi cutting out when sleeping

Thanks everyone for commenting. On my phone: Settings -> WI-FI -> Advanced -> Keep Wi-Fi on during sleep Always (checked) While Charging Never How come you uncheck it while charging? These are the 3 options for this setting. red5 is showing you that their setting is "Keep Wi-Fi on during sleep" to ...
by Silk McCue
Thu Jan 11, 2018 10:42 pm
Forum: Investing - Theory, News & General
Topic: Chained CPI Impact
Replies: 8
Views: 958

Re: Chained CPI Impact

Chained CPI in the new tax bill is applied to the annual expansion of the tax brackets. It is not a new standard applied globally in place of CPI.
by Silk McCue
Thu Jan 11, 2018 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 88
Views: 11525

Re: IRS announces new withholding tables for 2018

An option for some to cut through the unknowns is to calculate their tax burden under the new law, set exemptions ridiculously high to make withholding 0 and enter in the additional amount to withhold per pay period on the next line based upon total due / pay periods in the year after accounting for...
by Silk McCue
Thu Jan 11, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 54
Views: 5079

Re: Letter from Social Security re Fraudulent Claim

Oversoul wrote:
Thu Jan 11, 2018 9:02 am
The only sensible contribution thus far.
I suggest you re-read all of the responses. There were other sensible contributions along with some embarrassing hypotheses.
by Silk McCue
Thu Jan 11, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: Andoird device, Wifi cutting out when sleeping
Replies: 6
Views: 654

Re: Andoird device, Wifi cutting out when sleeping

I'm an iPhone user but Googled two phrases and found a number of different options to attempt to solve this. I know that you said that you searched this out but I expect your only success will come from digging into these search results to find the most authoritative answers and trying them out. Goo...
by Silk McCue
Tue Jan 09, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: How crucial are Admiral shares?
Replies: 6
Views: 1494

Re: How crucial are Admiral shares?

The Investor class shares are still dirt cheap in the scheme of things. For the S&P500 fund the additional cost would be $100 per $100k invested annually. I could live with that in your described circumstances.
by Silk McCue
Tue Jan 09, 2018 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: FIRECALC Question
Replies: 12
Views: 1536

Re: FIRECALC Question

I see that FIRECALC uses 75% stocks/25% bonds. Is there anyway to try FIRECALC with different stock/bond AAs? I am curious if the 75/25 has the highest success rate? I don't plan to be more than 60/40 by retirement. To maximize the benefit from FireCalc you should examine all of the tabs and put th...
by Silk McCue
Tue Jan 09, 2018 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: 401k withdrawl question for a friend...
Replies: 8
Views: 588

Re: 401k withdrawl question for a friend...

Given this: So a friend of mine is not very good with money/budgeting. Undermining their retirement is a horribly bad idea. They will be undercutting their future and need to find another answer to the financing of these repairs. There's no better time now than get to his financial house in order an...
by Silk McCue
Tue Jan 09, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Lease a Silverado 4x4 extended cab for $152 month?
Replies: 23
Views: 2536

Re: Lease a Silverado 4x4 extended cab for $152 month?

You've been wanting a truck but your wife is going to drive it??? On that point I would only do that if she was more thrilled with the idea than you. If she does want it why not put $5k down on the purchase of the truck? If she's not thrilled and is just being supportive then don't do it.
by Silk McCue
Tue Jan 09, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: What is a bold check in banking?
Replies: 4
Views: 1155

Re: What is a bold check in banking?

I am with this bank (5/3) because I am living in the estate home of my mom which is not yet transferred to me. This is just another in quite a list of frustrations with them. I cannot disentangle myself completely from them because of our family business, but they will soon have as little business ...
by Silk McCue
Mon Jan 08, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Excel question: opening 2 copies of same spreadsheet?
Replies: 4
Views: 573

Re: Excel question: opening 2 copies of same spreadsheet?

Tamales wrote:
Sun Jan 07, 2018 9:22 pm
Thank you Silk, it looks like that worked.
Excellent! You are most welcome.
by Silk McCue
Sun Jan 07, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: Excel question: opening 2 copies of same spreadsheet?
Replies: 4
Views: 573

Re: Excel question: opening 2 copies of same spreadsheet?

I Googled and found this. If this doesn’t work you may at least be on the right track.

https://support.microsoft.com/en-ph/hel ... -that-cont
by Silk McCue
Sat Jan 06, 2018 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody recommend a good equity fund?
Replies: 22
Views: 1443

Re: Anybody recommend a good equity fund?

Just keep adding to your target date fund. It’s already 90/10. There is no advantage for you to create little buckets of complexity at this point in your investing life.
by Silk McCue
Sat Jan 06, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 516
Views: 67730

Re: Quicken's future direction - a cause for concern

I’ve been usIng Quicken for about 20 years and I only upgrade every few years. I upgraded to 2018 from 2015 around ThanksgivIng with a 27 or 28 month deal from Amazon. It has been working very well. I find the value to be very good and don’t have any interest in finding greener pastures. I am highly...
by Silk McCue
Sat Jan 06, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: IORP question/SS bug?
Replies: 23
Views: 1190

Re: IORP question/SS bug?

smitcat wrote:
Sat Jan 06, 2018 8:53 am
ORP has already fixed this bug - could not ask for a faster response for this ORP tool.
Thanks for finding the bug and getting it fixed!
by Silk McCue
Sat Jan 06, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Best Tax Estimate Website for 2018?
Replies: 25
Views: 3363

Re: Best Tax Estimate Website for 2018?

I really like this one. A lot of good detailed options and includes the state. Unfortunately no capital gains capability: https://www.taxreformcalculator.com/ I thought this one doesn't take into account the SALT cap of $10k. As i posted earlier in this thread this calculator is WRONG in a big way....
by Silk McCue
Fri Jan 05, 2018 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Should we keep this variable annuity?
Replies: 65
Views: 3290

Re: Should we keep this variable annuity?

So this annuity review site, annuitygator, that one of you posted in your comments actually directs people to a financial advisor--ie, someone selling annuities, I assume. I found this by Googling: "One such site, annuitygator.com, features an alligator mascot dubbed the “annuity investigator” who ...
by Silk McCue
Fri Jan 05, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Best Tax Estimate Website for 2018?
Replies: 25
Views: 3363

Re: Best Tax Estimate Website for 2018?

I really like this one. A lot of good detailed options and includes the state. Unfortunately no capital gains capability: https://www.taxreformcalculator.com/ I thought this one doesn't take into account the SALT cap of $10k. As i posted earlier in this thread this calculator is WRONG in a big way....
by Silk McCue
Fri Jan 05, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Best Tax Estimate Website for 2018?
Replies: 25
Views: 3363

Re: Best Tax Estimate Website for 2018?

I really like this one. A lot of good detailed options and includes the state. Unfortunately no capital gains capability: https://www.taxreformcalculator.com/ Big Problem with this calculator. - Do not trust If you select the option "Final" in order to see how the 2018 tax law is applied the result...
by Silk McCue
Fri Jan 05, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Best Tax Estimate Website for 2018?
Replies: 25
Views: 3363

Re: Best Tax Estimate Website for 2018?

Take a look at this site to see if it meets your needs.

http://taxplancalculator.com/
by Silk McCue
Fri Jan 05, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Is there such a thing as a survivor-only annuity?
Replies: 7
Views: 927

Re: Is there such a thing as a survivor-only annuity?

I have no expertise but in the absence of a reply I searched the web and could find no specific product that was a survivor only annuity. You could annuitize a life insurance policy payout but you would need to buy said policy for both parties which would certainly have significant expense. An unins...
by Silk McCue
Thu Jan 04, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Fed Estimated Tax for 2018 (new rates/brackets)
Replies: 7
Views: 1022

Re: Paying Fed Estimated Tax for 2018 (new rates/brackets)

The TurboTax website states that they will be providing an update to TaxCaster to compare next years tax refund with this years. It’s stated on the following page. https://turbotax.intuit.com/tax-reform As you suggested, just paying what you would have paid without the new tax law may be overkill bu...
by Silk McCue
Thu Jan 04, 2018 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Should we keep this variable annuity?
Replies: 65
Views: 3290

Re: Should we keep this variable annuity?

Also--here is a business I found that purports to provide an objective review of an existing annuity. I wonder if I can trust their objectivity. Cost is $300. http://annuityreview.com/new/annuityreview/ Has anyone heard of them? By the way, they explain why it's hard to find a fee-only financial ad...
by Silk McCue
Thu Jan 04, 2018 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 4
Views: 372

Re: Asset Allocation

The Bogleheads Wiki suggests the Vanguard Portfolio Watch isn’t quite reliable. See the Cautions section.

https://www.bogleheads.org/wiki/Vanguar ... olio_Watch

What tool did you use when you established your current allocation? I would stick with that.