Search found 312 matches

by kwan2
Sat Aug 01, 2015 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: how to chart local city nominal appreciation vs. S&P500 any ideas pleas?
Replies: 4
Views: 305

Re: how to chart local city nominal appreciation vs. S&P500 any ideas pleas?

so if i'm reading this right ? , Real housing is up about 3% from 87- 2014 , and S&P is up 7% nominal over same period , approximately (but how to get the Real S&P )
by kwan2
Sat Aug 01, 2015 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: how to chart local city nominal appreciation vs. S&P500 any ideas pleas?
Replies: 4
Views: 305

how to chart local city nominal appreciation vs. S&P500 any ideas pleas?

how to chart local city nominal appreciation vs. S&P500 any ideas pleas? hello, i have a sibling, whom is looking at 2010 san francisco housing values vs today, and i'm trying to have them understand Real appreciation vs. US equities, is not so simple. how might i say find / create a chart with ...
by kwan2
Tue May 19, 2015 12:54 am
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 74
Views: 13023

Re: Time to reach 1M and 2M milestones

i think the 1st post, is too vague, for all these comments, imho.

maybe you need to put in for those whose primary earnings are from investing or something, time to reach for whom, starting at what etc etc
by kwan2
Mon May 18, 2015 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 74
Views: 13023

Re: Time to reach 1M and 2M milestones

my employer is said to be generous, but the matching is such a joke, after 8 years working (you getting nothing if you don't get 1000 hours/year credited, or pro-ration'd , after your vested in 5 years, i saw dozen of employees come and go from our small office, and even if they did fully contribute...
by kwan2
Sun May 17, 2015 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: IBond/TIPS Or Not
Replies: 37
Views: 4043

Re: IBond/TIPS Or Not

which BH book? i don't think they 'recommend' an AA generally, and i'd be surprised if the book is 'recommending' that AA, it may be presented as a common choice. anyway, you can't pick an AA in a vaccum, you need to read the pinned thing, on how to ask the question. what is the question anyway? do ...
by kwan2
Sun May 17, 2015 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 74
Views: 13023

Re: Time to reach 1M and 2M milestones

if your young, you may not realized it, but older folks pass away, and if you have a rich uncle, it might happen faster, than you ever imagined.....
by kwan2
Sat May 16, 2015 12:58 am
Forum: Investing - Help with Personal Investments
Topic: Single best investment 5/10/15 years for car
Replies: 7
Views: 1291

Re: Single best investment 5/10/15 years for car

you aiming for the benz or the hyundai ?
by kwan2
Fri May 15, 2015 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Data on 5498 does not match 1099-R
Replies: 8
Views: 1127

Re: Data on 5498 does not match 1099-R

on the topic of 5498 form, I wonder if VG keeps these "forever", and hence there is no point in my once again downloading. printing it, and or reuploading it to my own tax backup storage online , etc ?
by kwan2
Fri May 15, 2015 3:23 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio & Budget Review Requested -- Correct Format
Replies: 10
Views: 898

Re: Portfolio & Budget Review Requested -- Correct Format

you seem to be a bit heavy in equity, even for young turk, like you. i see no reason to get rid of all the minor funds, and put all the equity in the VG institutional idx, which i believe is a S&P 500 index, as I have money in it too. then take 30% of all the equity and put it in the Internation...
by kwan2
Fri May 15, 2015 3:07 am
Forum: Investing - Help with Personal Investments
Topic: 401K
Replies: 7
Views: 756

Re: 401K

any reason you don't want to "harvest your losses" now?

https://www.bogleheads.org/wiki/Tax_loss_harvesting
by kwan2
Fri May 15, 2015 3:03 am
Forum: Investing - Help with Personal Investments
Topic: Data on 5498 does not match 1099-R
Replies: 8
Views: 1127

Re: Data on 5498 does not match 1099-R

you called VG, and what did they say?
by kwan2
Wed May 13, 2015 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: ACA start with Medicaid or "connector", private insurances?
Replies: 12
Views: 882

Re: ACA start with Medicaid or "connector", private insurances?

they allowed to change the application and the APTC designation, so now i'll pay $70 /month for a HMO; and each time, I make 10% (I guess $1800) , I'm supposed to call them, for some reason, they would not divulge the 3 CSR levels cutoff values, which I'm sure exist, and is presumably the reason I'm...
by kwan2
Sun May 10, 2015 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: ACA start with Medicaid or "connector", private insurances?
Replies: 12
Views: 882

Re: ACA start with Medicaid or "connector", private insurances?

believe it or not, my ACA office, seems unable to explain anything in this detail "It is very common. Note: You are obligated to report, within 30 days, any changes to guesstimated income >10%. Your subsidy and cost-sharing benefits may then be adjusted (up, down or gone) mid-year by your ACA o...
by kwan2
Sat May 09, 2015 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: ACA start with Medicaid or "connector", private insurances?
Replies: 12
Views: 882

Re: ACA start with Medicaid or "connector", private insurances?

I think at this stage, I'm wondering if there is a mechanism that the government uses via the IRS to re-capture any underpayment on my part for the CSRs ... ? I can see that reconciling premiums, should not be difficult , but don't understand the CSRs.. I really have no idea, how much work income I ...
by kwan2
Fri May 08, 2015 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: ACA start with Medicaid or "connector", private insurances?
Replies: 12
Views: 882

Re: ACA start with Medicaid or "connector", private insurances?

I'd get back the premium differences, but what about the copay's and deductibles, those are significant
by kwan2
Fri May 08, 2015 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: ACA start with Medicaid or "connector", private insurances?
Replies: 12
Views: 882

Re: ACA start with Medicaid or "connector", private insurances?

yes, makes sense to me, working in the industry, as I did. any clue on the other parts of this? i'm thinking of asking to reapply and start at CSR level 94 , and take the premium reductions as I go, though for the latter, I've no idea on pros/cons or for that matter, if I can even changed a submitte...
by kwan2
Fri May 08, 2015 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: ACA start with Medicaid or "connector", private insurances?
Replies: 12
Views: 882

ACA start with Medicaid or "connector", private insurances?

Hello, I'm looking at my predicted income for the year, based on my 2014 1040, if things were pretty much the same, and I added my January Income , I would be at $18,000 for the year, however, at the moment I just started as a per diem employee with my present employer, I took a trip down to our loc...
by kwan2
Tue May 05, 2015 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Inh.IRA RMD bond /fund choices for RMD ?
Replies: 4
Views: 362

Re: Inh.IRA RMD bond /fund choices for RMD ?

dale, nope just the RMD, nothing extra needed. but, just seems like a known thing, one of the few I have in my lifestyle, so perhaps, the money should be parked in a timeframe matching when needed, but prime money market, is 0.12% so ....... of course, my overall situation, could override a direct &...
by kwan2
Tue May 05, 2015 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Inh.IRA RMD bond /fund choices for RMD ?
Replies: 4
Views: 362

Inh.IRA RMD bond /fund choices for RMD ?

hello, currently in my inherited IRA, I have everything in VG int. term idx bond fund, duration of 6 ish, the VG short term idx fund is duration 2.7 or so, does it makes sense to direct my cap gain/dividends to the ST bond idx fund, knowing that i'm going to need to take an annual distribution far e...
by kwan2
Sun May 03, 2015 11:23 am
Forum: Personal Finance (Not Investing)
Topic: early retiree, ACA "obamacare" MAGI ? but which numbers ??
Replies: 26
Views: 3946

Re: early retiree, ACA "obamacare" MAGI ? but which numbers ??

hmm, thinking about it now, I think instead of looking for a "capital loss" section, i'll just do my own deduction of $3k from interest or dividends or something , not sure why was thinking so pedantically ...... btw, https://www.healthcare.gov/reporting-other-income/#capital-gains Capital...
by kwan2
Wed Apr 29, 2015 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: revising a living trust vs. new one..
Replies: 8
Views: 691

Re: revising a living trust vs. new one..

iirc, my thinking, is keeping the money in the trust for my sibling(should he outlive me), passing to his 1 son, (should he not), as I have no other heirs, I prefer to let a third party manage the assets, then my sibling and his current spouse, etc. .......so, I need a trust for that purpose ? any t...
by kwan2
Wed Apr 29, 2015 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: revising a living trust vs. new one..
Replies: 8
Views: 691

Re: revising a living trust vs. new one..

the trouble seems to be multi-fold, I just don't know what the future will hold, and how often I'll need to be updating a trust. esp. should I be overseas ex-pat (which itself would probably be a try and see situation). maybe I just just untitle everything again, and wait until I'm 80 or have some i...
by kwan2
Wed Apr 29, 2015 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: revising a living trust vs. new one..
Replies: 8
Views: 691

Re: revising a living trust vs. new one..

thanks for the replies. re: "That's the bad news. The good news is that a "new trust" does not require you to retitle trust assets. Instead the new trust is an amendment in full of the old trust, known as a restatement. It's better to have a fresh trust than a frankentrust, especially...
by kwan2
Mon Apr 27, 2015 11:46 am
Forum: Personal Finance (Not Investing)
Topic: revising a living trust vs. new one..
Replies: 8
Views: 691

revising a living trust vs. new one..

hello, i'm an early retiree, w/o property, but wanting to designate a 13 year old, to get a lump sum at age 35, a nephew, and keep the money in trust for brother, not his family. I made a trust with Nolo software, an older version, however the trust does NOT allow revision. my concern is there are s...
by kwan2
Thu Apr 09, 2015 12:06 am
Forum: Personal Finance (Not Investing)
Topic: early retiree, ACA "obamacare" MAGI ? but which numbers ??
Replies: 26
Views: 3946

Re: early retiree, ACA "obamacare" MAGI ? but which numbers

can one upload images to this forum, i took a screengrab or the lack of choices for a 'capital loss' , seems to have everything else but not that also for income there is captial gain , but does not allow negative numbers i plan of on calling them, but suspect they won't know what a capital loss is ...
by kwan2
Mon Apr 06, 2015 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: early retiree, ACA "obamacare" MAGI ? but which numbers ??
Replies: 26
Views: 3946

Re: early retiree, ACA "obamacare" MAGI ? but which numbers

.......this is what the ?Medicaid wants to know, no one can tell me anything at the exchanges, crazy. so for my $5,500 annual contribution to my IRA do I subtract it from "income" or "retirement account" same with capital loss, from which do I subtract it ? also what is a "d...
by kwan2
Sat Apr 04, 2015 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: early retiree, ACA "obamacare" MAGI ? but which numbers ??
Replies: 26
Views: 3946

Re: early retiree, ACA "obamacare" MAGI ? but which numbers

uh, so are there people who purposely tweak their income to be just OVER the cutoff to qualify for medicaid, in order that they DON'T have medicaid as their primary insurance? and reasons why / why not ? thanks
by kwan2
Fri Apr 03, 2015 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: early retiree, ACA "obamacare" MAGI ? but which numbers ??
Replies: 26
Views: 3946

Re: early retiree, ACA "obamacare" MAGI ? but which numbers

Usual wisdom in my state, Hawaii, or elsewhere IS medicaid is not good insurance, but I let the "navigator" /"kokua" in hawaii, tell me, that the new expanded medicaid, is not your old medicaid for the poor/can't find a doctor type. And insurance is "free" , so my aim h...
by kwan2
Fri Apr 03, 2015 7:06 am
Forum: Personal Finance (Not Investing)
Topic: early retiree, ACA "obamacare" MAGI ? but which numbers ??
Replies: 26
Views: 3946

Re: early retiree, ACA "obamacare" MAGI ? but which numbers

ok, great, helpful. I guess, my main question, is if I have capital loss carryovers, which I do, of $3000, can i subtract that from my "income" for the purposes of ACA ? I suppose inherited IRA RMDs , are going to be same as any RMD for the purposes of ACA? sorry am bit of 1040 simpleton r...
by kwan2
Thu Apr 02, 2015 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: early retiree, ACA "obamacare" MAGI ? but which numbers ??
Replies: 26
Views: 3946

early retiree, ACA "obamacare" MAGI ? but which numbers ??

Hello, I'm sure this is somewhere in the search engine, I did find somewhere it says that it is MAGI, not AGI that counts towards qualifying for medicaid then subsidies, if not medicaid eligible...... my state, Hawaii, is expanded medicaid, so I have a higher threshold, of about $17,000 to get medic...
by kwan2
Wed Mar 11, 2015 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax /?estimated taxes payments for 2015 ??
Replies: 18
Views: 1790

Re: Turbo Tax /?estimated taxes payments for 2015 ??

so, am I correct, that there may be situations, like with VG Inherited IRAs RMDs, where no State withholding is allowed, so one's ONLY option, is to pay estimated taxes ? this year for example, I'm anticipating that a good chunk of my taxable income is going to be IIRA RMDs, percentage wise, as look...
by kwan2
Sat Mar 07, 2015 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax /?estimated taxes payments for 2015 ??
Replies: 18
Views: 1790

Re: Turbo Tax /?estimated taxes payments for 2015 ??

as I recall part of the problem, is Inherited IRA and Treasury Direct, not having the ability to withhold State taxes... ? at least, that is what has happened to me. By turbotax, creating estimated tax voucher, are they saying , I am mandated to do this for 2015, or is it basically just saying if it...
by kwan2
Sat Mar 07, 2015 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax /?estimated taxes payments for 2015 ??
Replies: 18
Views: 1790

Re: Turbo Tax /?estimated taxes payments for 2015 ??

that link is for underpayment of estimated taxes, I don't understand, if my underpayment total for the whole year was $600.00, if that implies, that I should have paid estimated taxes for 2014. And hence, your link applies to what I am asking .......? re: 2. The total tax shown on your 2013 return m...
by kwan2
Fri Mar 06, 2015 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax /?estimated taxes payments for 2015 ??
Replies: 18
Views: 1790

Re: Turbo Tax /?estimated taxes payments for 2015 ??

So, I have not decided, if I will work in 2015, lately, I'm thinking, I will work minimally, if at all. I guess, I don't understand, if one is compelled to pay for 2015, if underpaid in 2014 ...... I assume, I underpaid, if Turbotax generates vouchers? don't understand this posters, reply, below: &q...
by kwan2
Fri Mar 06, 2015 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever bill-paid, their state tax board w/o a vouch
Replies: 8
Views: 735

Re: Has anyone ever bill-paid, their state tax board w/o a v

thanks for the heads up on ACH, did that, will see how it turns out .......
by kwan2
Fri Mar 06, 2015 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax /?estimated taxes payments for 2015 ??
Replies: 18
Views: 1790

Turbo Tax /?estimated taxes payments for 2015 ??

Turbo Tax /?estimated taxes payments for 2015 ?? I seem to owe $600 something for my Hawaii State taxes, and Turbo Tax in their forms is including 2015 vouchers quarterly, this always confuses me, is this something I have a choice of not doing, if my income will change for 2015 , sorry for the simpl...
by kwan2
Thu Mar 05, 2015 5:38 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever bill-paid, their state tax board w/o a vouch
Replies: 8
Views: 735

Re: Has anyone ever bill-paid, their state tax board w/o a v

which state? mine is Hawaii state.

if you pay with quicken, i presume there is no voucher, just a paper check gets mailed ?

LifeIsGood wrote:I've done it via Quicken billpay for years. No problems.
by kwan2
Wed Mar 04, 2015 5:27 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever bill-paid, their state tax board w/o a vouch
Replies: 8
Views: 735

Has anyone ever bill-paid, their state tax board w/o a vouch

Has anyone ever bill-paid, their state tax board w/o a voucher, I am travelling and have no way to mail a voucher with a check, eg no checkbook with me.

can I just billpay a check with my SSN on the paper check mailed to them?


thanks
by kwan2
Wed Jan 28, 2015 5:22 pm
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 1044

Re: USA Medical Insurance, while travelling overseas?

I don't see that it specifies Capital Loss Carryovers of -$3000.00 , do you ?


https://www.healthcare.gov/reporting-deductions/
by kwan2
Wed Jan 28, 2015 2:17 pm
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 1044

Re: USA Medical Insurance, while travelling overseas?

do you happen to know for purposes of qualifying for subsidies, etc. does ACA/obamacare, allow one to deduct capital loss carryovers, when stating "income, dividends" , etc do they use one's AGI Line 37 1040 (subtracting IRA contribution too), or Line 22 (pre - IRA subtractions? ) in my ca...
by kwan2
Tue Jan 27, 2015 6:30 pm
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 1044

Re: USA Medical Insurance, while travelling overseas?

only option, I was given, was to go down to the DHS Medicaid office, take a number and ask them. so, finally, looks like we are going to check off the "unemployed" box , effective 3/1/15 and submit it then, and cross my fingers, that it doesn't take 'up to 45 days' to process me, and I am ...
by kwan2
Mon Jan 26, 2015 9:35 pm
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 1044

Re: USA Medical Insurance, while travelling overseas?

well, if it was so similar, what i did in the past, was not buy the cobra, but i knew if i needed it , i could pay it retroactive, but i don't think i'll have that option this time. may i ask, madbrain, on your level of certainty as to qualification , i won't be losing the coverage till end of feb, ...
by kwan2
Mon Jan 26, 2015 9:22 pm
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 1044

Re: USA Medical Insurance, while travelling overseas?

I am not really losing it, rather, i'm being offered to continue with it, buying it on my own. which, i don't think is a 'qualifying event' for the ACA, however I dont know about private (off-ACA) type deals...... You're asking for special enrollment because you are losing employer-paid health insur...
by kwan2
Mon Jan 26, 2015 9:10 pm
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 1044

Re: USA Medical Insurance, while travelling overseas?

the point is that i'm sure, phineas. are you saying, on a different point, that, one can buy health insurance privately at any time, i'm shopping for a plan now, and being asked -- What type of enrollment are you applying for today? * Open Enrollment Special Enrollment -- so I'm a bit uncertain anyo...
by kwan2
Mon Jan 26, 2015 8:30 pm
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 1044

Re: USA Medical Insurance, while travelling overseas?

Why did you get travel insurance for only one month? I would have bought it for the length of the trip. .......i have travel ins for 3 months, usa coverage for feb only. For travel outside of the U.S.. travel insurance should be preferred (if it covers medical emergencies) because your unforeseen e...
by kwan2
Mon Jan 26, 2015 8:29 pm
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 1044

Re: USA Medical Insurance, while travelling overseas?

........thx for the reply, yes, a leave of absence, is my situation. do I need US coverage while I'm not in the US? I am at a loss how to get coverage, guess I can try to call Blue Cross and ask for 2 months of coverage, somehow I'm not worried about getting treated overseas, though, I have heard, o...
by kwan2
Mon Jan 26, 2015 7:43 pm
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 1044

USA Medical Insurance, while travelling overseas?

hello, i'll be travelling for 3 months, and bought a travel ins plan with emergency medical type coverage overseas, for the 1st month, i'll have US coverage, but because i'm not resigning my job , i don't think I can get ACA/'obamacare', as one has to quit their job, i've been given the option of pa...
by kwan2
Mon Jan 26, 2015 7:36 pm
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 31
Views: 2852

Re: Hawaii Visit (Maui). Need advice

you might be able to drive counter-clockwise around haleakala, maybe then you can beat the hoards of tourists. other than that don't feel you have to sightsee, depends on what kind of stuff you like, but take a few days drinking Primo beer, somewhere other than the resort. meet a local, who doesn't ...
by kwan2
Wed Jan 14, 2015 10:19 pm
Forum: Personal Consumer Issues
Topic: WEP Wifi when travelling
Replies: 21
Views: 2165

Re: WEP Wifi when travelling

somehow, I still don't quite understand.

lets say hypothetically, I use No WEP WIFI connection.

if this connection is 100% VPN, (I trust my VPN provider).


what type of security issue should I be worried about ? if any ?
by kwan2
Wed Jan 07, 2015 1:52 am
Forum: Personal Consumer Issues
Topic: WEP Wifi when travelling
Replies: 21
Views: 2165

Re: WEP Wifi when travelling

so using a VPN, like at a starbucks, or a hotel, doesn't increase security? whether its WEP or WPA2 , etc ? Consider WEP equivalent to no security. Thus, you should assume that everything you transmit or receive can be intercepted and/or modified. However, you should always be making that assumption...

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