Search found 337 matches

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: 960

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: 981

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: 1451

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: 534

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: 1574

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: 101
Views: 6897

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: 436

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: 2359

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: 2359

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: 4531

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: 2707

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: 1881

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: 3846

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: 4208

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: 3109

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: 1793

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: 3109

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: 3109

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: 1408

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: 2902

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: 5229

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: 3109

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.
by Silk McCue
Mon Oct 23, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: FIL Stage 4 Cancer - Next steps
Replies: 28
Views: 3109

Re: FIL Stage 4 Cancer - Next steps

Contact the Real Estate agent and ask what happens if your FIL passes before closing. I would hope that steps can be taken now to alleviate any issue with this if it isn't already established by state law. They can certainly answer this question. A quick web search on this topic found a reference sa...
by Silk McCue
Mon Oct 23, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Best way to pay for part-time care for grandfather?
Replies: 14
Views: 1034

Re: Best way to pay for part-time care for grandfather?

For daily 6 hour shifts 7 days a week $30 per hour for CNA/HHA (Certified Nursing Assistant/Home Health Aide) would be very high, UNLESS, he is in a very HCOL area. If you haven't already I would call a few Private Duty Home Health Agencies and get quotes. (BrightStar Care, Comfort Keepers, Home Ins...
by Silk McCue
Sun Oct 22, 2017 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help! - New Believer and overwhelmed
Replies: 20
Views: 2348

Re: Help! - New Believer and overwhelmed

At $20 per hour for a home health aid/CNA (higher or lower depending on where you live) will give you 15 hours per week for a $15k annual spend. “Full time” care will blow that number up significantly. You may want to revisit that analysis.
by Silk McCue
Sun Oct 22, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETF Trading
Replies: 2
Views: 261

Re: Vanguard ETF Trading

Without appearing or being rude ... I just googled this and readily found the answers at Vanguard. It might be better to save your questions to folks that are not readily available and that require unique knowledge. Cheers.
by Silk McCue
Sat Oct 21, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Link to Peter Bernstein the 60/40 solution full article
Replies: 8
Views: 920

Re: Link to Peter Bernstein the 60/40 solution full article

The link only displays the first page on my iPad. On my windows PC it actually downloads the document and I can then open it and find all the pages.
by Silk McCue
Sat Oct 21, 2017 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Fixed Annuities Bad Idea?
Replies: 20
Views: 1129

Re: Fixed Annuities Bad Idea?

As other have already mentioned, fixed annuities like SPIAs are good. Variable annuities such as those from TIAA are quite good. I must strongly disagree. Variable Annuities and Fixed index annuities are extremely expensive, complex and usually sold rather than bought. With rare exception, you will...
by Silk McCue
Wed Oct 18, 2017 8:00 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Better To Face The Correction
Replies: 51
Views: 6587

Re: Larry Swedroe:Better To Face The Correction

Thanks for posting. This article provides a thorough and reasoned analysis of historic market behaviour that clearly demonstrates the financial cost and risk of timing the markets rather than investing for the long term. I already subscribe to this approach but now have a more informed reason for do...
by Silk McCue
Thu Oct 12, 2017 7:42 am
Forum: Personal Consumer Issues
Topic: Using recent Quicken versions standalone
Replies: 5
Views: 645

Re: Using recent Quicken versions standalone

I use Quicken 2015 and recently setup my ID on the new server. Easy Peasy. I also applied the updates. Everything works fine. It will be less painful for you in my opinion to simply perform the setup that they are requesting. Or you can dig your heels in and spend more time on this than you need to....
by Silk McCue
Wed Oct 11, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance as an inheritance?
Replies: 10
Views: 547

Re: Term Life Insurance as an inheritance?

Hi, I was wondering if anyone continues their term-life insurance, even after they are financially independent and/or have retired? I was looking at term4sale.com, and for a 50-year-old male, a $1 million, 30-year term life costs about $2,500 to $3,000 per year. So, at the worst (or best?) case, he...
by Silk McCue
Sun Oct 08, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: (24M) - Should I take a pay cut for a new career path with a better payoff?
Replies: 21
Views: 2460

Re: (24M) - Should I take a pay cut for a new career path with a better payoff?

Based upon the totality of your post I would say that you should go for the brass ring and never look back. All opportunities have risk but taking a momentary step back from an income perspective with a real chance of significant reward in the future sounds like a good choice. There are times to wai...
by Silk McCue
Sat Oct 07, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: [Three-fund portfolio: Robo-adviser or 3 funds?]
Replies: 13
Views: 1563

Re: [Three-fund portfolio: Robo-adviser or 3 funds?]

A high level answer. You can invest effectively using a 3-Fund portfolio at Vanguard and elsewhere with less complexity and lower expenses. There are great resources on this site that you can use to increase your knowledge. Hopefully others will come along and provide you specific feedback on Better...
by Silk McCue
Sat Oct 07, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: SS Benefit checks?
Replies: 13
Views: 1832

Re: SS Benefit checks?

My mother-in-law received her Soc Sec check on April 3rd. She died April 15th. The payment received on April 3rd was for March and that was hers to keep. The payment scheduled for May 3 is for April and will either not be paid if Soc Sec gets notified quickly enough or it will be clawed back because...
by Silk McCue
Sat Oct 07, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5791

Re: Roof shingles do not match - Neighbor sent notice

Regardless of the outcome I'd say it's time to let her get a new lawn guy.
by Silk McCue
Sat Oct 07, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Combining spouses separate accounts into one joint account. Any downsides?
Replies: 19
Views: 1494

Re: Combining spouses separate accounts into one joint account. Any downsides?

It all depends on the couple. In our 30+ year marriage there is only “our money”, not “his and hers”. We have seperate brokerage accounts that hold our respective retirement funds (but still viewed as “our money”) and we have a joint account for taxable. It is crucial that both be on board with the ...
by Silk McCue
Sat Oct 07, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: ALL account on Quicken?
Replies: 11
Views: 971

Re: ALL account on Quicken?

I track 30 credit cards, 10 savings and checking accounts, 4 brokerage accounts, 2 401k's, and 4 IRA's in quicken. Just as Silk mentions, I have also caught fradulent charges almost immediately in quicken. Do it. What? Why so many!? One reason might be that you manage multiple family members accoun...
by Silk McCue
Sat Oct 07, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: what if I forget my security questions?
Replies: 19
Views: 1401

Re: what if I forget my security questions?

You would benefit from buying an encrypted password vault that runs across your multiple devices (PC, iPhone, etc). You can then record your answers for each account because you WILL forget the answers if they aren't real. I use one called mSecure and it creates highly complex passwords that I coul...
by Silk McCue
Fri Oct 06, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: what if I forget my security questions?
Replies: 19
Views: 1401

Re: what if I forget my security questions?

Just came across this current thread that provides other solutions folks have used.

viewtopic.php?p=3561773#p3561773
by Silk McCue
Fri Oct 06, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: what if I forget my security questions?
Replies: 19
Views: 1401

Re: what if I forget my security questions?

You would benefit from buying an encrypted password vault that runs across your multiple devices (PC, iPhone, etc). You can then record your answers for each account because you WILL forget the answers if they aren't real. I use one called mSecure and it creates highly complex passwords that I could...
by Silk McCue
Fri Oct 06, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: ALL account on Quicken?
Replies: 11
Views: 971

Re: ALL account on Quicken?

One reason I like Quicken is that I quickly see charges that appear and on rare occasion they are fraudulent. By tracking all of your cards you will catch any fraud sooner than later and will never "forget" about a purchase you made.
by Silk McCue
Thu Oct 05, 2017 7:31 pm
Forum: Investing - Theory, News & General
Topic: Cannot logon to Vanguard using iPad application
Replies: 10
Views: 476

Re: Cannot logon to Vanguard using iPad application

I just logged into the VG App (not browser) on my iPad. It never hurts to do a hard reset when something goes awry.
by Silk McCue
Tue Oct 03, 2017 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to not transition my vanguard IRA and taxable mutual fund accounts to Brokerage Accounts
Replies: 8
Views: 1262

Re: Any reason to not transition my vanguard IRA and taxable mutual fund accounts to Brokerage Accounts

I’m perfectly happy with having moved to the brokerage account. Past problems by some are no reason to not move forward.
by Silk McCue
Tue Sep 26, 2017 7:36 am
Forum: Investing - Help with Personal Investments
Topic: proxy vote
Replies: 6
Views: 973

Re: proxy vote

I voted yesterday. The notification remained yesterday but is gone today. I suggest you wait and see as it will most likely be gone shortly.
by Silk McCue
Sat Aug 26, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Total International Institutional Index changed to Index Trust?
Replies: 4
Views: 484

Re: Total International Institutional Index changed to Index Trust?

Please provide the exact full names and ticker symbols if available before and after.
by Silk McCue
Fri Aug 25, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Finding Life Insurance for "High-Risk" Mother
Replies: 25
Views: 2620

Re: Finding Life Insurance for "High-Risk" Mother

An option you can explore. Mutual of Omaha offers whole life policies that require no physical or health questions. They mail offers to my mom on a regular basis. If you die of natural causes within 2 years you get your premiums back plus 10%. After two years they pay the policy face amount regardle...
by Silk McCue
Fri Aug 25, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Trip to Banff / Lake Louise / other places
Replies: 34
Views: 3642

Re: Trip to Banff / Lake Louise / other places

My wife and I spent a week in Banff a few years ago and enjoyed fishing, riding atvs and horseback riding. One of our favorite excursions was a private hiking trip with Nadine. a wonderful lady that is 1/2 of a couple that provide excellent service. You can check out their offerings at http://www.gr...