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Re: Hand held illuminated magnifying glass

ralph124cf wrote:A quick search on amazon brought 1,273 results for illuminated magnifying glass.

Ralph


That may be why he asked for recommendations. :happy
by Pacific
Mon Apr 14, 2014 12:53 am
 
Forum: Personal Consumer Issues
Topic: Hand held illuminated magnifying glass
Replies: 13
Views: 730

Re: KeePass vs LastPass

I love lastpass. I think the convenience of the browser plug in outweighs my fear of the cloud storage. I now never reuse passwords and don't even have to think about it. I use 2-factor authentication with it was well . On top of that they have been keeping me up to date on what passwords I should ...
by Pacific
Sat Apr 12, 2014 9:40 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 97
Views: 5018

Re: Why Americans are Retiring Overseas

Is there a low-cost retirement place with abundant snow skiing? That's been my problem all along. My skin can't handle the beach- or rain forest-type weather and I'm a snow person. Not *extremely* low cost, nor *tremendously* abundant snow, but perhaps a reasonable choice: Flagstaff, AZ Only 40 run...
by Pacific
Sat Apr 12, 2014 4:23 am
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8616

Re: Why Americans are Retiring Overseas

gogleheads.orb wrote:
Curlyq wrote:Is there a low-cost retirement place with abundant snow skiing? That's been my problem all along. My skin can't handle the beach- or rain forest-type weather and I'm a snow person.


Taos, Ogden , Portillo


"low-cost retirement place"
Taos???

Maybe Ruidoso, NM
Maybe Ashland, OR
by Pacific
Sat Apr 12, 2014 4:17 am
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8616

KeePass vs LastPass

In response to the recent security concerns, I decided to look at password managers. I cannot decide between KeePass and LastPass. Even when I review the comparisons, they seem to be equally popular. I have a PC laptop for work and an iMac at home and a Samsung smartphone. I was hoping our incredibl...
by Pacific
Thu Apr 10, 2014 5:34 am
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 97
Views: 5018

Re: Why Americans are Retiring Overseas

pinhead wrote:Look into Malaysia or Thailand.


Those two countries in particular do not make my top 10 (though one can get cheap flights now on Malaysian Airlines for obvious reasons). :)
by Pacific
Tue Apr 08, 2014 12:06 am
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8616

Re: Things to do in Phoenix for an afternoon/evening

They often call Phoenix the Valley of the Sun. In July, August, and September I call it the Surface of the Sun.
by Pacific
Mon Apr 07, 2014 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Things to do in Phoenix for an afternoon/evening
Replies: 12
Views: 518

Re: Bob Brinker portfolio

End44, if you have heard or read anything that Bob Brinker has said about this portfolio, why not report back to us? I would be interested in Brinker's reasoning behind this choice of funds. I write a summary of every one of Bob Brinker's Moneytalk programs, and I don't charge anything for it. Ever...
by Pacific
Sun Mar 30, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bob Brinker portfolio
Replies: 29
Views: 3428

Re: [New 8th Circuit Ruling Striking Down High 401K Fees]

not entirely sure i understand your point. can you clarify? Sure. I have always told my clients that I don't know anything unless I know everything. I don't want any secrets, I don't want any surprises. This philosophy has served my clients, and me, very well over the years. It seems to me that the...
by Pacific
Sun Mar 30, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: [New 8th Circuit Ruling Striking Down High 401K Fees]
Replies: 44
Views: 2430

Re: Bob Brinker portfolio

1) Who is Bob Brinker? To his credit, Bob Brinker has spread the good word about Vanguard on his radio show for many years, at least back when I listened to it. But I'm not sure I'd let him manage my portfolio; he's prone to bad market-timing moves... He's prone to good market-timing moves . . . (s...
by Pacific
Sat Mar 29, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bob Brinker portfolio
Replies: 29
Views: 3428

Re: [High-frequency trading hurts regular customers]

Apparently the release of his book "Flash Boys: A Wall Street Revolt" has affected some of the biggest players. From today's FT: In the two weeks before publication of Mr Lewis’s book, Goldman Sachs has suddenly thrown its weight behind market reform after years of investment in HFT and ta...
by Pacific
Sat Mar 29, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: [High-frequency trading hurts regular customers]
Replies: 107
Views: 6190

Re: Flying in and out of Midway

I thought you were talking about this:
http://wikitravel.org/en/Midway_Islands
by Pacific
Sun Mar 23, 2014 1:37 am
 
Forum: Personal Consumer Issues
Topic: Flying in and out of Midway
Replies: 13
Views: 1145

Re: 8 hour layover in Honolulu. How to use time.

Which part is bad? Are you saying a certain road is prone to traffic jams, or is risky to try to traverse in a limited time? Which road(s) in particular? Oahu is the world's most expensive traffic jam. However, you will be arriving on a Sunday which is the least worst traffic day. I don't think you...
by Pacific
Sun Mar 16, 2014 2:59 am
 
Forum: Personal Consumer Issues
Topic: 8 hour layover in Honolulu. How to use time.
Replies: 51
Views: 3321

Re: 8 hour layover in Honolulu. How to use time.

Which part is bad? Are you saying a certain road is prone to traffic jams, or is risky to try to traverse in a limited time? Which road(s) in particular? Oahu is the world's most expensive traffic jam. However, you will be arriving on a Sunday which is the least worst traffic day. I don't think you...
by Pacific
Sat Mar 15, 2014 4:48 pm
 
Forum: Personal Consumer Issues
Topic: 8 hour layover in Honolulu. How to use time.
Replies: 51
Views: 3321

Re: Do you have a favorite chocolate bar?

Victroria, I am also on a low carb diet. I break off a small square (about 0.25 ounce) and dip the tip it in almond butter. Serving size is so small its under 1g of carbs -- but a great way to cleanse the palette! Stan, Are you eating regular chocolate with almond butter? I decided go the 100% choc...
by Pacific
Mon Mar 10, 2014 2:42 am
 
Forum: Personal Consumer Issues
Topic: Do you have a favorite chocolate bar?
Replies: 86
Views: 4053

Re: Tax Tables in 1040 instructions - imprecise?

Sscritic, you are a marvel! I admire the character "Sheldon" from the Big Bang Theory, but he can't hold a candle to your knowledge base. You are my favorite poster on this forum. I've learned so much from your postings. You have a teaching style unlike anyone one I've ever encountered. T...
by Pacific
Sun Mar 09, 2014 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Tables in 1040 instructions - imprecise?
Replies: 27
Views: 842

Re: Considering moving to Oregon

DireWolf wrote:
Pacific wrote:
DireWolf wrote:So, why do you want to leave Hawaii or Guam?


Missouri


Without looking at any statistics, I ould bet Hawaii and Guam lead the nation, world, universe, etc. on a per capita basis. :happy
by Pacific
Sat Mar 08, 2014 10:42 pm
 
Forum: Personal Consumer Issues
Topic: Considering moving to Oregon
Replies: 33
Views: 2614

Re: Considering moving to Oregon

DireWolf wrote:I'm in the medical field and my wife is a college professor. We currently live in the meth capitol of the US, so we are no strangers to its destruction. Any opinions on cost of living, taxes, housing, etc?


So, why do you want to leave Hawaii or Guam?
by Pacific
Fri Mar 07, 2014 9:39 pm
 
Forum: Personal Consumer Issues
Topic: Considering moving to Oregon
Replies: 33
Views: 2614

Re: Bitcoin price plunges

Pretty interesting article on the maybe founder of Bitcoin and the programming (what the heck is a "reverse Polish notation"?)
http://mag.newsweek.com/2014/03/14/bitcoin-satoshi-nakamoto.html
by Pacific
Thu Mar 06, 2014 5:40 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 17954

Re: Do you have a favorite chocolate bar?

If you really REALLY want to shop for dark chocolates (74%), try this web site of 162 products from 62 stores!!

http://www.thefind.com/food/info-74%25-dark-chocolate
by Pacific
Thu Mar 06, 2014 12:41 am
 
Forum: Personal Consumer Issues
Topic: Do you have a favorite chocolate bar?
Replies: 86
Views: 4053

Re: Do you have a favorite chocolate bar?

I like chocolate but don't eat carbs. Does anyone have recommendations for chocolate without sugar or artificial sweeteners? Bitterness is fine; I drink tea and coffee black, without any additives. Victoria Sugar free low carb chocolate bars http://www.amberlynchocolates.com/sugar-free-chocolate-ba...
by Pacific
Thu Mar 06, 2014 12:38 am
 
Forum: Personal Consumer Issues
Topic: Do you have a favorite chocolate bar?
Replies: 86
Views: 4053

Re: Do you have a favorite chocolate bar?

The only affordable dark chocolates that I have found are Trader Joe's, Dagoba, and Endangered Species (and the Ghiradelli dark chocolate chips from Costco).
by Pacific
Wed Mar 05, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Do you have a favorite chocolate bar?
Replies: 86
Views: 4053

Re: Callan Periodic Table of Investment Returns '94-'13

Man, those growth stocks are HOT!
by Pacific
Wed Mar 05, 2014 1:01 am
 
Forum: Investing - Theory, News & General
Topic: Callan Periodic Table of Investment Returns '94-'13
Replies: 4
Views: 551

Re: California vs. Texas

Well, which of the 6 states of California are you considering?
by Pacific
Thu Feb 27, 2014 4:50 am
 
Forum: Personal Finance (Not Investing)
Topic: California vs. Texas
Replies: 32
Views: 2814

Re: Social Security Cards

My ss card is pretty beat up. I went to Office Max (?) several years ago to have it laminated. They refused and told me it is illegal to laminate it. Then I went to another place (Kinko's ??) and they told me the same thing.

Why is that?
by Pacific
Tue Feb 25, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: Social Security Cards
Replies: 33
Views: 1676

Re: Moving from midwest to Australia

Aloha Joe said:

Internet is expensive compared to most of the world and slow compared to most of the world.


But, some good news today on a related subject:
http://www.techspot.com/news/55760-australias-4g-is-the-fastest-in-the-world-us-ranks-second-slowest.html
by Pacific
Sat Feb 22, 2014 4:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving from midwest to Australia
Replies: 46
Views: 2277

Re: Moving from midwest to Australia

And thanks to Aloha Joe and ValueThinker for two of the most interesting posts I have read. And, don't forget to watch out for the irukandji while the kids are swimming. Or the great whites. Or the Taipan. Or the funnel-web spider. Or the . . .
by Pacific
Sat Feb 22, 2014 3:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving from midwest to Australia
Replies: 46
Views: 2277

Re: Moving from midwest to Australia

We are US citizens so we may still have to US taxes for any income over 90K. Don't let the tax tail wag the dog. There are foreign tax credits that are designed to put you no worse off. There may be a bit of leakage but that shouldn't be the deciding factor. Australia has a wonderful climate and I ...
by Pacific
Sat Feb 22, 2014 3:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving from midwest to Australia
Replies: 46
Views: 2277

Re: Vacation - Hawaii, Mexico, other ideas?

Oops. Sorry. I neglected the "if price is not an issue" part of your post.

Try going on REI's web site -- it has some wonderful trips.
by Pacific
Tue Feb 18, 2014 7:39 pm
 
Forum: Personal Consumer Issues
Topic: Vacation - Hawaii, Mexico, other ideas?
Replies: 54
Views: 3178

Re: Vacation - Hawaii, Mexico, other ideas?

I have been to Hawaii more than 90 times and have lived there as long as three months a year. I don't know whether it is (i) organized crime; (ii) longshoremen; or (iii) unions, but something causes everything (and by everything I am including fresh fish) to cost more, way more, in Hawaii. Probably ...
by Pacific
Tue Feb 18, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Vacation - Hawaii, Mexico, other ideas?
Replies: 54
Views: 3178

Re: Great Finance History Book

Thanks for sharing. Way too addicting...not enough sleep last night...wonderful book! Any other recommendations? Ron Chernow's "The House of Morgan: An American Banking Dynasty and the Rise of Modern Finance" Don't let the title put you off I could not put this book down (and it is a long...
by Pacific
Sat Feb 15, 2014 7:08 pm
 
Forum: Investing - Theory, News & General
Topic: Great Finance History Book
Replies: 33
Views: 4154

Re: ALERT from Vanguard

Aha!! Proof positive that Taylor checks his Vanguard holdings daily :happy
by Pacific
Tue Feb 11, 2014 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: ALERT from Vanguard [e-mail Scam]
Replies: 13
Views: 2513

Re: Foreign Corporation SEP-IRA??

The foreign corporation has A and one other employee. Previously, A contributed to a SEP-IRA when he was self-employed. As mah001 surmised, now that A is the sole owner and an employee of foreign X Corp., can the foreign X Corp. contribute to A's SEP-IRA -- either the one A set up years ago with Vg ...
by Pacific
Fri Feb 07, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Foreign Corporation SEP-IRA??
Replies: 5
Views: 289

Re: Croatia

Here is a link I just received today from REI for a Croatia trip -- very enticing http://www.rei.com/adventures/trips/europe/croatia-hiking-biking-kayaking.html?cm_mmc=email_com_gm-_-adventure-_-020714-_-cta_trip&RMID=20140207_Adventures_NoBanner_SL2&RRID=17318358&ev11=1&ev36=9828521
by Pacific
Fri Feb 07, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Croatia
Replies: 41
Views: 2305

Foreign Corporation SEP-IRA??

Alan, Bruce, sscritic, and others, I have searched at IRS.GOV and cannot find the answer regarding whether one can set up a SEP-IRA with a foreign corporation. A has lived abroad for many years. A has a traditional IRA with Vg which consists of both deductible and non-deductible contributions made o...
by Pacific
Thu Feb 06, 2014 2:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Foreign Corporation SEP-IRA??
Replies: 5
Views: 289

Re: Winter coats:

I like the look of the coyote-fox coat that Joe Namath was wearing for the coin toss, but the $3,000 price tag is a little steep for me.
by Pacific
Tue Feb 04, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Winter coats:
Replies: 53
Views: 3727

Re: AARP Membership?

We only "renew" AARP membership (assuming it's lapsed, which often happens) if there is a discount (hotel or whatever) that doesn't also have something similar for AAA or just anyone "over <some specified age>. The AARP emailed "newsletter" is ridiculous and simplistic, and...
by Pacific
Sun Feb 02, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: AARP Membership?
Replies: 33
Views: 1573

Re: Medicare Supplemental Insurance Cost

I am paying $118 per month for Mutual of Omaha Plan G in Arizona ($147 deductible)
by Pacific
Sun Feb 02, 2014 2:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplemental Insurance Cost
Replies: 19
Views: 975

Re: 529 questions

Two considerations, I) Will you miss out on any future tax years benefits by not making future contributions? We plan to make future annual contributions for the tax benefits and so have avoided "fully funding" at outset. Not sure I understand this. What do you mean by "tax benefits&...
by Pacific
Sun Feb 02, 2014 2:48 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 questions
Replies: 31
Views: 1828

Re: The Final, Definitive Thread on Dollar-Cost Averaging

Another poster notes that we really all lump sum our entire portfolio every day. If DCA was such a great idea, then we should all sell everything now and then re-DCA into the market. The next poster retorts that DCAing into a large stock allocation is like boiling a frog. Heat the water up slowly e...
by Pacific
Sun Feb 02, 2014 2:41 am
 
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Dollar-Cost Averaging
Replies: 101
Views: 5356

Re: AARP Medicare Supplement Ins (United Healthcare

I was going to purchase the AARP United Healthcare Plan F in Arizona. However, I finally decided that the Mutual of Omaha Plan G ($147 annual deductible) and Humana-Walmart Plan D were best for me.
by Pacific
Sat Feb 01, 2014 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: AARP Medicare Supplement Ins (United Healthcare
Replies: 34
Views: 2170

Re: Gift tax question

BTW, if the NRA has substantial US situs property, it might be a good idea to seek professional advice regarding future US estate tax implications in the event of their death. Fortunately, I found a section of a treaty between the two countries which states: A citizen of ***, domiciled therein, sha...
by Pacific
Fri Jan 31, 2014 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gift tax question
Replies: 10
Views: 834

Re: Gift tax question

Actually, ray.james, as I read the link you sent me, I do not think the daughter needs to file the Form 3520 if the cash gift is under $100,000 because: You must file Form 3520, Annual Return to Report Transactions with Foreign Trusts and Receipt of Certain Foreign Gifts, if, during the current tax ...
by Pacific
Fri Jan 31, 2014 2:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Gift tax question
Replies: 10
Views: 834

Re: Gift tax question

The mother does not reside in the U.S. but owns a home in the U.S. However, the gift has nothing to do with the house and would just be cash taken from her Vanguard funds.
by Pacific
Thu Jan 30, 2014 7:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gift tax question
Replies: 10
Views: 834

Gift tax question

Mother is non-U.S. citizen. Daughter is U.S. citizen. Can mother give more than $14,000 to daughter as gift in 2014 without either of them incurring taxes? Thank you.
by Pacific
Thu Jan 30, 2014 4:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Gift tax question
Replies: 10
Views: 834

Re: Mortgage payoff sent to wrong account

I am curious as to why you did not know the correct account number if you had been sending monthly mortgage payments to the account.
by Pacific
Wed Jan 22, 2014 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff sent to wrong account
Replies: 25
Views: 2071

Re: hybrid cars

I recently rented a car in Honolulu and was given a Ford Fusion hybrid. Very very nice car. I didn't drive it enough to figure out the mileage. Where I live we spend $5.60 per gallon of gas and $0.43 per kwh electricity (so no plug-ins for me).
by Pacific
Tue Jan 21, 2014 11:27 pm
 
Forum: Personal Consumer Issues
Topic: hybrid cars
Replies: 55
Views: 2717

Re: Looking for a good vitamin supplement

"I need to supplement my calcium, iron, and potassium to meet recommended levels."

Those sound more like minerals than vitamins.
by Pacific
Fri Jan 10, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Looking for a good vitamin supplement
Replies: 9
Views: 764
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