Search found 244 matches

Return to advanced search

Re: Smartphone questions

'cept says on az.com $500 new off contract verizon

harrychan wrote:I should've also recommended the LG G2. It is the slightly superior phone to the Nexus 5. Thats what i am using now. Battery is 3100mah which is much bigger than N5.
by kwan2
Sun Oct 26, 2014 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 98
Views: 6892

Re: Smartphone questions

fedguy, on oneplusone , i received invites but , didn't want to decide in 24hours so they expired, but on monday for 1 hour you CAN pre-order a 1 plus 1 http://preorder.oneplus.net/ only for 1 hour , ha i don't know about the nexus battery life, s'why was asking, i think your concern is like mine, i...
by kwan2
Sat Oct 25, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 98
Views: 6892

Re: Smartphone questions

I'm thinking of buying an unlocked Nexus 5 directly from google, thinking that will give me some kind of warranty and CS support and OS updates. vs. a One Plus one phone, same price better specs. but, with One Plus 1 , I could limit permission access of apps, with privacy guard, with Nexus 5 , i bel...
by kwan2
Sat Oct 25, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 98
Views: 6892

Re: Pay cash for flight on sale, or use FF mileage quandry

Actually, I'm getting 2 different answers, the webpage support people say it will not be 'free' for an awards card for me but $60.00/ year. though, by phone, they told me I must be in the last month in order to attempt to convert to a 'free' awards card. they had no interest in converted me now, whe...
by kwan2
Sat Sep 20, 2014 2:42 pm
 
Forum: Personal Consumer Issues
Topic: Pay cash for flight on sale, or use FF mileage quandry
Replies: 30
Views: 2255

Re: Banking on VPN or off for Man in the Middle issue?

the question I should have asked, is booting from a USB drive (setup and updated right) naked vs. VPN Not on a USB drive. as I don't think I'll be using the VPN if I'm using a USB /Linux drive for online banking, since the VPN runs via OVPN software, not on my router(as I learned was not really fast...
by kwan2
Sun Sep 07, 2014 1:04 am
 
Forum: Personal Consumer Issues
Topic: Banking on VPN or off for Man in the Middle issue?
Replies: 12
Views: 1345

Re: Pay cash for flight on sale, or use FF mileage quandry

sorry protagonist, don't understand what you mean : "That said, a saving of +/- $500 is not a lot for the price of 60K miles. But if you only fly once every two years, it is probably worth it. You have plenty of time to collect another free flight and more." also what is "down convert...
by kwan2
Mon Aug 25, 2014 10:25 pm
 
Forum: Personal Consumer Issues
Topic: Pay cash for flight on sale, or use FF mileage quandry
Replies: 30
Views: 2255

Re: Banking on VPN or off for Man in the Middle issue?

my suspicion is yes, I trust my ISP TWCable > PIA , trust them as a verified company, vs. whatever PIA is, but I might also guess PIA, my have better command and control of malware etc ..... fwiw I use mostly FF with cookies and JS managed w/ no script, i've been toying also with using a USB boot dr...
by kwan2
Sun Aug 24, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Banking on VPN or off for Man in the Middle issue?
Replies: 12
Views: 1345

Re: Pay cash for flight on sale, or use FF mileage quandry

so w/ the free UA card, one must purchase something ("a meal") every 18 months?

I don't believe the non-free card has that caveat?

i'm not sure if the code shares also allow the extra free bag, my code share /"alliance partner" seems to be ANA.
by kwan2
Sat Aug 23, 2014 9:40 pm
 
Forum: Personal Consumer Issues
Topic: Pay cash for flight on sale, or use FF mileage quandry
Replies: 30
Views: 2255

Banking on VPN or off for Man in the Middle issue?

Banking on VPN or off for Man in the Middle issue? Hello, I use something called PIA VPN, however, like many private VPNs, it seems unknowable how much "trust" to expect in them. I'm fine for using it for anonymity, but I wonder if my ISP may be more or less likely so be exposed to a MITM ...
by kwan2
Sat Aug 23, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: Banking on VPN or off for Man in the Middle issue?
Replies: 12
Views: 1345

Re: Pay cash for flight on sale, or use FF mileage quandry

turns out the equation got simplier, as instead of PI Air, and comparable cheap flight on United popped up, so bought that one for cash. and then now it's a matter, of to convert to a Free UA card or not, can someone tell me the pros/cons of the free UA card, mostly I just want the miles preserved, ...
by kwan2
Sat Aug 23, 2014 5:53 pm
 
Forum: Personal Consumer Issues
Topic: Pay cash for flight on sale, or use FF mileage quandry
Replies: 30
Views: 2255

Re: Pay cash for flight on sale, or use FF mileage quandry

hmm, there is a $900 flight on united, i could pay for that in cash, and the miles accumulate should then pay for a 2nd R/T .. does the "free" united card require you to use it 1x/month? the cc's i use now, i just get cash back, i don't wanna play the game, burned too many times, by false ...
by kwan2
Fri Aug 22, 2014 3:44 am
 
Forum: Personal Consumer Issues
Topic: Pay cash for flight on sale, or use FF mileage quandry
Replies: 30
Views: 2255

Pay cash for flight on sale, or use FF mileage quandry

Hello. I'm having a bit of a problem framing the right thing to do. In short I want to fly from SFO <-> Tokyo Jan 2015 , I have a United Card that I got for the 1 time 20,000 free miles, and never use, there is an upcoming annual fee due, maybe $85 end of October. My flight requires 70,000 miles, bu...
by kwan2
Thu Aug 21, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Pay cash for flight on sale, or use FF mileage quandry
Replies: 30
Views: 2255

Re: Are hospitals allowed to do this? [Costs quoted vs. actu

here ya go: http://www.surgerycenterok.com/pricing/

i think it's fairly obvious there is a insurance/hospital-systems-industrial-complex collusion that like the military one is entrenched :)
by kwan2
Thu Aug 14, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 98
Views: 6874

Re: Renting forever: financial suicide?

the choice of language is unfortunate.

"rent vs. buy" is so broad as to be really unanswerable, why dont you include your goals, and current investment position, for a meaningful answer.
by kwan2
Thu Aug 14, 2014 6:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 92
Views: 11346

Re: Total Market Bond Fund vs Intermediate Term Fund

I had I-T Corp Idx to try to get to 60/40 (via some outside treasuries I own), but gave up on that and went all-in in I-T Idx.

Originally I decided MBS, though I guess, government owned now, are still a bad investment, the system being corrupt as it is and all, :)
by kwan2
Thu Aug 14, 2014 2:41 am
 
Forum: Investing - Theory, News & General
Topic: Total Market Bond Fund vs Intermediate Term Fund
Replies: 47
Views: 6204

Re: Are hospitals allowed to do this? [Costs quoted vs. actu

It is sad, that such a morass, is likely forever, in my lifetime anyway, I work in healthcare, and spend 1/2-3/4 of my time doing adminstrative activities, cause they downsize our office workers, and increase the software exercise ....
by kwan2
Thu Aug 14, 2014 12:36 am
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 98
Views: 6874

Re: Two factor identification and your password safe

would you say for those who use a VPN, that M in M attacks would be more or less common on the VPN vs on one's ISP direct ?

and/or might it depends on how reputable the VPN is, as most VPNs don't seem very reputable
by kwan2
Wed Aug 13, 2014 3:33 am
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2078

Re: More on Computer Security

I heard today VG end of 2014, will offer 2 step auth login , with SMS , my lowly local bank online does it .....
by kwan2
Wed Aug 13, 2014 3:19 am
 
Forum: Personal Consumer Issues
Topic: More on Computer Security
Replies: 17
Views: 1640

Re: Are hospitals allowed to do this?

http://www.medicare.gov/claims-and-appe ... ryone.html

some of these may appy, even to the non-MC patient, see : JCHO accredidation, etc
by kwan2
Wed Aug 13, 2014 3:16 am
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 98
Views: 6874

Re: Asset Management Diversification, via VG ETFs ?

purposely 80% , by design, or by chance?

do people on 'this board' suggest VG ETFs be bought outside VG, I don't follow the 2nd comment.....
by kwan2
Tue Aug 12, 2014 11:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Management Diversification, via VG ETFs ?
Replies: 7
Views: 510

Asset Management Diversification, via VG ETFs ?

Asset Management Diversification, via VG ETFs ? Hello, I'm wondering if there are folks who may be keeping say 10-20% of their assets outside of VG, when they could be at VG? I'm aware that it's a trade-off for simplicity, and that VG being investor owned, doesn't have Bear Sterns type Risk, but my ...
by kwan2
Tue Aug 12, 2014 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Management Diversification, via VG ETFs ?
Replies: 7
Views: 510

Re: Hawaii for winter

......just keep in mind there is Waikaloa resort "the hilton" probably timeshare stuff, then there is Waikaloa Village, "mauka" a ways, which is suburban place, in Kamuela, people have a fireplace for the mornings, nickname for waikaloa is wai-ka-blow-a , its in a funnel between ...
by kwan2
Thu Jun 05, 2014 10:43 pm
 
Forum: Personal Consumer Issues
Topic: Hawaii for winter
Replies: 10
Views: 2319

Re: Vanguard Voice Verification

bump5
by kwan2
Wed Jun 04, 2014 11:25 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Voice Verification
Replies: 16
Views: 2250

Re: Software patchs beta or stable

I burned a Linux distro "Tails" to a DVD. Do you think it would more secure to access VG from the Live Tails DVD than for example using the most release of Firefox , on Win7 , properly protected as able ? I'm thinking Tails is going to be using older software as the software is fixed in th...
by kwan2
Sat May 10, 2014 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Software patchs beta or stable
Replies: 11
Views: 844

Re: Tracking Roth Contributions forever

my main concern, was tracking it for decades, guess i know now, that after 10 years from now, i may be relieved of that. last number of weekends, i am going thru 7 years of taxes and cleaning out the unneeded papers, going to scan and encrypt and upload to google drive, but using boxcryptor, maybe i...
by kwan2
Tue Apr 22, 2014 2:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Tracking Roth Contributions forever
Replies: 13
Views: 2151

Re: Tracking Roth Contributions forever

at work we have both Roth 403b and Trad 403b , Last 2 years, and in process this year of max'ing it out, then I do the max TIRA, Probably would be good the have a higher total in the Roth side, that the measiliy $900 i put into the Roth 403b some years ago and my Roth IRAs, but guess I am endevourin...
by kwan2
Tue Apr 22, 2014 12:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Tracking Roth Contributions forever
Replies: 13
Views: 2151

Re: Tracking Roth Contributions forever

.....hmm, I think I'll just forget about Roths for 10 years till I'm 60, and the tracking any further, unless there is a catastrophe, I should not need it. , I believe what you are saying about "TIRA", is only for non-deductible TIRA, not deductible TIRA , alas I'd assume so. I've never ev...
by kwan2
Mon Apr 21, 2014 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tracking Roth Contributions forever
Replies: 13
Views: 2151

Re: Tracking Roth Contributions forever

think i need to scratch this post and start a new topic.
and /or do some wiki reading.


for a Roth 403b and/or a Roth IRA, is it true that one does not need to track the basis after age 59.5 ?
by kwan2
Mon Apr 21, 2014 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tracking Roth Contributions forever
Replies: 13
Views: 2151

Re: Software patchs beta or stable

just curious do you use FDE vs EFS ? seems like there'd be a be trade off in performance with FDE, and if just using EFS, perhaps, there is nothing sensitive in the OS partition, that it'd need to be encrypted ? though, i'm looking at SSD HDs for my next laptop ... do beta versions of software gener...
by kwan2
Mon Apr 21, 2014 4:46 am
 
Forum: Personal Consumer Issues
Topic: Software patchs beta or stable
Replies: 11
Views: 844

Re: Tracking Roth Contributions forever

sorry, was this an answer to the 2nd poster? pertaining to this question: I have a Roth 403b, I think I know how much was contributed from my paycheck , however there is only a form 8606 for Roth IRAs as far as I know, I don't believe I have received one from Hewitt/AHRP the administrator. Perhaps I...
by kwan2
Mon Apr 21, 2014 1:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Tracking Roth Contributions forever
Replies: 13
Views: 2151

Tracking Roth Contributions forever

hello, I have gotten all my form 5498 s from VG, to track what I did from way back when to my personal Roth IRAs, but I also contributed to my Roth 403b and I'm not sure if I will be able to get the history of the contributions. so, my rhetorical question, is: am I supposed to be so organized that w...
by kwan2
Sat Apr 19, 2014 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tracking Roth Contributions forever
Replies: 13
Views: 2151

Re: Software patchs beta or stable

can I temporarily install avira and eset do a full scan and then remove them , any harm in that? the online eset scan doesn't seem to work
by kwan2
Sun Apr 06, 2014 1:39 am
 
Forum: Personal Consumer Issues
Topic: Software patchs beta or stable
Replies: 11
Views: 844

Re: How Ignorant am I? 5yr on Job, No 401k. 100K collecting

is it collecting dust in a savings account, some of them may pay 0.75%, put your 6 mo of emergency money there, keep 20% for your 30 year fixed on top of that, unless you want a smaller mortgage, figure out your risk tolerance, buy TSM/TBM accordingly, live more frugally, done.
by kwan2
Sat Apr 05, 2014 2:21 am
 
Forum: Investing - Help with Personal Investments
Topic: How Ignorant am I? 5yr on Job, No 401k. 100K collecting dust
Replies: 41
Views: 5678

Re: Software patchs beta or stable

I guess for App Stores, your just talking about on mobile devices. I have used NIS for a long time, but had read in consumer reports that F-secure, it's a little more expensive, but is said to detect better. Also, curious if this might be worthwhile, eg BH-VG, etc ------- Question What is Banking pr...
by kwan2
Fri Apr 04, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Software patchs beta or stable
Replies: 11
Views: 844

Re: Software patchs beta or stable

yes, what I meant is it may be insecure, to click any link in a gmail email, as a rule, so wanting to know if it could be disabled. hmm, full disk encryption, can that be done, on an existing live HD ? or should I try to find my next laptop with that option from the get-go? would it protect my onlin...
by kwan2
Thu Apr 03, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Software patchs beta or stable
Replies: 11
Views: 844

Software patchs beta or stable

do beta versions of software generally have the latest security patchs or the latest "stable" version ?

is there a way to turn on weblinks in gmail , re: phishing prevention ?

how does one typically check for the presence of a keylogger on their computer, eg to protect my VG account ?
by kwan2
Wed Apr 02, 2014 11:31 pm
 
Forum: Personal Consumer Issues
Topic: Software patchs beta or stable
Replies: 11
Views: 844

Re: What tax forms to store "7 years"

since I never itemize, I'm sorta thinking, I'm very low risk? what would happen if I didn't have any records, I'd just have to pay the penalty they decided upon, I am going to be moving overseas, and maybe multiple times, and it won't be easy to keep it all secure, and don't want to pay for storage,...
by kwan2
Tue Apr 01, 2014 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: What tax forms to store "7 years"
Replies: 11
Views: 1043

What tax forms to store "7 years"

Hello, I am looking to scan my old tax forms , as I will be moving, and don't want to haul them, around, I use a 1040 and a few schedules, I don't itemize ever, what supporting documents must I keep ? I believe VG keep many of the records for a period of time. I've never been audited, etc , thanks
by kwan2
Tue Apr 01, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: What tax forms to store "7 years"
Replies: 11
Views: 1043

Re: Flat Fee Advisor - Cardiff Park Advisors?

I always get confused with the term "advisor", when the "advisor" actually manages your money via <sp> rapp account. yes, you have the discretion to not have them do what they advise you to do, but I don't like the idea of paying any fees on a recurring basis for someone to handl...
by kwan2
Fri Mar 28, 2014 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Flat Fee Advisor - Cardiff Park Advisors?
Replies: 39
Views: 6221

Re: "The Average Investor Should Use a Financial Adviser"

ya, me too, not worth the money, to just be steered into TSM/TBM IMHO ........ :( A couple of years ago I transferred more than $100k to Vanguard which entitled me to a free financial plan. I was sorely disappointed with the plan they did. It looked like a cookie cutter plan generated by a computer ...
by kwan2
Sat Mar 15, 2014 2:04 am
 
Forum: Investing - Theory, News & General
Topic: "The Average Investor Should Use a Financial Adviser"
Replies: 51
Views: 7557

Re: "The Average Investor Should Use a Financial Adviser"

......this crossed my mind recently too, are there accountants who are also financial advisors, fee only, cause taxes and investing are too entwined , and i need someone not just to pick an allocation, but a create a strategy on a few fronts, as simple as i have tried to make it, unless one does lif...
by kwan2
Sat Mar 15, 2014 2:03 am
 
Forum: Investing - Theory, News & General
Topic: "The Average Investor Should Use a Financial Adviser"
Replies: 51
Views: 7557

Re: How to deposit checks made out to deceased ?

turns out my local bank, and manager, whom i've worked with before, was wiling to deposit it, with the trust paperwork, here's one for the little banks !
by kwan2
Tue Mar 04, 2014 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to deposit checks made out to deceased ?
Replies: 9
Views: 1530

Re: How to deposit checks made out to deceased ?

when I created the account WF accepted one check, in deceased name saying, "we'll do it this one time", another issue, is I have moved back to another state, which has no WF branches, the mortgage company says just send them a DPOA for finances, and they will re-issue, I'm telling them, DP...
by kwan2
Mon Mar 03, 2014 7:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to deposit checks made out to deceased ?
Replies: 9
Views: 1530

How to deposit checks made out to deceased ?

Hello, We opened a trust account with wells fargo, with myself as trustee, however checks are made out to my deceased mother's name. And WF is saying they can't deposit them unless they are made out in my name, the issuer of the checks, the mortgage company and BofA credit line rebates, won't reissu...
by kwan2
Mon Mar 03, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to deposit checks made out to deceased ?
Replies: 9
Views: 1530

Re: Do Bogleheads see this market dip as a buying point?

seems to be a lot of anti-BHs posting to the BH forum imho :)
by kwan2
Mon Feb 03, 2014 10:16 pm
 
Forum: Investing - Theory, News & General
Topic: Do Bogleheads see this market dip as a buying point?
Replies: 127
Views: 13904

Re: Do Bogleheads see this market dip as a buying point?

this opens up the whole ETF vs funds debate, :)

looks like the tilting debate too .......
by kwan2
Mon Feb 03, 2014 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: Do Bogleheads see this market dip as a buying point?
Replies: 127
Views: 13904

Re: Best Mutual Funds\Investing Advice

the traditional vs. roth, is really not worth concern, there are larger concerns to focus on.

why not just stick with traditional, and over the next 5-10 years, slowly start reading the books. do your best on your frugality :)
by kwan2
Sat Feb 01, 2014 11:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Mutual Funds\Investing Advice
Replies: 25
Views: 1567
Next

Return to advanced search