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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: 8
Views: 489

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: 36
Views: 3573

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: 8
Views: 489

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: 8
Views: 489

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: 8
Views: 489

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: 978

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: 978

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: 5311

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: 6957

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: 6957

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: 1122

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: 1122

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: 1122

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: 13420

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: 13420

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: 1535

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

"mmmm, dddipppp" homer simpson
by kwan2
Sat Feb 01, 2014 11:30 pm
 
Forum: Investing - Theory, News & General
Topic: Do Bogleheads see this market dip as a buying point?
Replies: 127
Views: 13420

Re: $500,000 to invest long-term at age 30 - Where? How?

there is always MyRA if you don't have a 401k at work, where you can put 17,5k / year, (living off the 500k) and weed it into tax sheltered, then you can lose money on bonds there .... :happy
by kwan2
Sat Feb 01, 2014 11:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: $500,000 to invest long-term at age 30 - Where? How?
Replies: 19
Views: 2934

Re: Best Mutual Funds\Investing Advice

about what is your age. in order to assure you "save", you could just make it 6-10% traditional, roth is if you plan to best in a similar or higher bracket, when your 65 :) or if possible up to your matching. depends on whether you need to get used to "saving" otherwise, there is...
by kwan2
Sat Feb 01, 2014 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Mutual Funds\Investing Advice
Replies: 25
Views: 1535

does VG offer a SPIA indexed to CPI or so ?

does VG offer a SPIA indexed to CPI or so ?

if not any suggestions on a most reputable company /program ?
by kwan2
Sun Dec 22, 2013 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: does VG offer a SPIA indexed to CPI or so ?
Replies: 8
Views: 765

Re: Cost of inflation indexed SPIA

does VG offer a SPIA indexed to CPI or so ?

if not any suggestions on a most reputable company /program ?
by kwan2
Sun Dec 22, 2013 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cost of inflation indexed SPIA
Replies: 8
Views: 1224

Re: LTCG "permanent" or "special"

and that is just the point of the OP subject line, is it permanently 0% for how long ? or is it "special", if in 2 years it is not non-zero, then some recommending, doing it while it's 0 , etc
by kwan2
Sun Dec 15, 2013 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: LTCG "permanent" or "special"
Replies: 5
Views: 457

Re: LTCG "permanent" or "special"

thanks kaneohe.

i've heard this before about 'running it thru tax software' , so what do people do use the turbotax from last april , with predicted scenarios ? or so ?


seems from what your saying I should not do any gain harvesting

line 15 is blank, line 16 is -18000
by kwan2
Thu Dec 12, 2013 8:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: LTCG "permanent" or "special"
Replies: 5
Views: 457

LTCG "permanent" or "special"

the finance buff blog he says: "I updated this article I first wrote two years ago. It’s still relevant today since Congress made the 0% tax rate on long term capital gains permanent in early 2013. 2013 is coming to an end. It’s been a great year for the stock market. For those in the 10% and 1...
by kwan2
Thu Dec 12, 2013 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: LTCG "permanent" or "special"
Replies: 5
Views: 457

Re: didn't there used to be a rule in the NFL regarding nois

well, maybe all the fans should be handed fog horns at the gate, seems wrong to me
by kwan2
Wed Dec 11, 2013 3:41 am
 
Forum: Personal Consumer Issues
Topic: didn't there used to be a rule in the NFL regarding noise?
Replies: 14
Views: 1126

How to partially 'harvest' tax gains ?

If I wanted to partially 'harvest' some personal TSM LT Cap gains, must I use specific ID, if I'm not selling off all the shares. I am probably setup to do Average Cost Basis at present. I guess I'm wanting to try to take advantage of the 0% for those in the 15% marginal tax bracket, as I understand...
by kwan2
Wed Dec 11, 2013 1:09 am
 
Forum: Investing - Theory, News & General
Topic: How to partially 'harvest' tax gains ?
Replies: 5
Views: 488

didn't there used to be a rule in the NFL regarding noise?

didn't there used to be a rule in the NFL regarding noise?

excessive noise could be penalized is what i remember
by kwan2
Wed Dec 11, 2013 12:51 am
 
Forum: Personal Consumer Issues
Topic: didn't there used to be a rule in the NFL regarding noise?
Replies: 14
Views: 1126

Re: When does VG do their cap gains distributions for 2013

If I wanted to partially 'harvest' some personal TSM LT Cap gains, must I use specific ID, if I'm not selling off all the shares. I am probably setup to do Average Cost Basis at present. I guess I'm wanting to try to take advantage of the 0% for those in the 15% marginal tax bracket, as I understand...
by kwan2
Tue Dec 10, 2013 4:15 am
 
Forum: Investing - Help with Personal Investments
Topic: When does VG do their cap gains distributions for 2013
Replies: 11
Views: 1368

Re: When does VG do their cap gains distributions for 2013

so, the stock index funds, may or may not have ANY cap gains, year over year ? like TSM ?
by kwan2
Sun Dec 08, 2013 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does VG do their cap gains distributions for 2013
Replies: 11
Views: 1368

Re: When does VG do their cap gains distributions for 2013

thanks for that, however, i don't quite understand why there would be a loss on Total Stock Market Index Admiral Shares VTSAX https://personal.vanguard.com/us/funds/snapshot?FundId=0585&FundIntExt=INT#tab=4 since the stock market is up, perhaps, VG may still create cap gain losses, even if the f...
by kwan2
Sat Dec 07, 2013 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does VG do their cap gains distributions for 2013
Replies: 11
Views: 1368

When does VG do their cap gains distributions for 2013

hello, per the finance buff's email, i'm taking a stab, at using ?$50,000 for a single person as my income. and then doing some tax gain 'harvesting' but, VGs site today, just says that gain information is 'not available at this time' ; might that mean that it is being done and should appear soon ? ...
by kwan2
Sat Dec 07, 2013 7:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does VG do their cap gains distributions for 2013
Replies: 11
Views: 1368

Re: Google Contact List creeping towards google + integrati

can I ask the method you use to "archive off" stuff older than 6 months, i'm sort of interested in doing this with gmail. i have thunderbird already d/l'd all 66,000 of my emails, but i'm not exactly sure the workflow to do the 6 month thing .... thx and/or why perhaps. Hello, I've been co...
by kwan2
Sun Nov 24, 2013 12:18 am
 
Forum: Personal Consumer Issues
Topic: Google Contact List creeping towards google + integration
Replies: 75
Views: 4570

junk mail auto-readdressed during change of address

Unwanted magazines being re-addressed to new address Postby kwan2 » Sat Nov 09, 2013 8:52 am hello, when i recently cleared out a family home after they passed away, I had their mail forwarded to me, i was notified they would only forward magazines 60 days, and I should tell ppl of my change of addr...
by kwan2
Sat Nov 09, 2013 3:05 pm
 
Forum: Personal Consumer Issues
Topic: junk mail auto-readdressed during change of address
Replies: 35
Views: 1754

is the ACA subsidy intended to last forever?

is the ACA subsidy intended to last forever?

and at the same rate of subsidy? i imagine the income ranges may be adjusted year by year, but i'm curious about the subsidy part, is that written into the law, how it is to change, does it slowly sunset some decade in the future?
by kwan2
Sat Nov 09, 2013 1:20 am
 
Forum: Personal Finance (Not Investing)
Topic: is the ACA subsidy intended to last forever?
Replies: 5
Views: 925

Re: Landlord will not return rent deposit check ($1500)

+cash the check, but send him a 'demand letter' , see how he responds, maybe you can get 1/2 back w/o small claims court I would appreciate any advice Bogleheads might have on this topic. My spouse and I recently rented an apartment for 24 consecutive months. The rental deposit was a full month's re...
by kwan2
Tue Oct 01, 2013 2:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Landlord will not return rent deposit check ($1500)
Replies: 41
Views: 4847

Re: Is Bond/Bond Fund investing just a bad idea all around n

well your age in bonds would be 40%. timing as investment is consensus, speculation. so, why not buy a bond index funds, and go with what is known, low expense ratios matter. meanwhile, cross your fingers, there is no repeat of 2008 coming soon. like oct 17th if your 70% in "stocks" are th...
by kwan2
Sat Sep 28, 2013 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Bond/Bond Fund investing just a bad idea all around now?
Replies: 40
Views: 3367

Re: USG ?default in 2weeks/news 2013

.....it seems no one is in much panic.

but, what would be the next safest place to buy government bonds, maybe I need to diversify out of USG debt, (savings bonds)
by kwan2
Thu Sep 26, 2013 3:02 am
 
Forum: Investing - Theory, News & General
Topic: USG ?default in 2weeks/news 2013
Replies: 21
Views: 1976

Re: Going into 50 soon, starting over at VG - need AA Help

fyi , there is no ING anymore :)

your bond fund should be TSA, stocks taxable, rebalance 1x/year.

at some point imho, exp ratios > 0.5 , aren't worth the IRA
by kwan2
Sun Sep 22, 2013 1:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Going into 50 soon, starting over at VG - need AA Help
Replies: 8
Views: 1596

Re: Credit Card Compromised -- How Does This Happen?

......use cash, and online, get a one time credit card number, like with ATT universal, i keep the card, for that sole purpose , and learn to look for skimmers, esp at gas stations, at restaurants, don't let them walk away with your card...
by kwan2
Sat Sep 21, 2013 12:43 am
 
Forum: Personal Consumer Issues
Topic: Credit Card Compromised -- How Does This Happen?
Replies: 34
Views: 3226

Re: USG ?default in 2weeks/news 2013

well, what would be the signs of a real 'default', whence, one would get all their bond investments back ? or some 'haircut' on them

with all the scary words, it's difficult to know, when things are serious ....
by kwan2
Fri Sep 20, 2013 11:22 pm
 
Forum: Investing - Theory, News & General
Topic: USG ?default in 2weeks/news 2013
Replies: 21
Views: 1976

USG ?default in 2weeks/news 2013

remind me again, that the USG can't /won't 'default' in 2 weeks. or if it 'defaults' what does that mean for savings bonds/treasuries ? sorry, i could go back and read about the last time, but if i recall, it didn't get as close as 2 weeks away , that the USG 'ran out of money' , there was talk , th...
by kwan2
Fri Sep 20, 2013 2:45 pm
 
Forum: Investing - Theory, News & General
Topic: USG ?default in 2weeks/news 2013
Replies: 21
Views: 1976

Re: Google Contact List creeping towards google + integrati

I do the same already, I also, remove the flash plugin from FF. But, maybe what I could do is move my contacts to a 3rd browser(opera), 2nd gmail account(I have a few extras), thanks for the idea... I'm a heavy user of a few of google's services - especially voice, mail, maps and search - which I am...
by kwan2
Thu Sep 19, 2013 12:02 am
 
Forum: Personal Consumer Issues
Topic: Google Contact List creeping towards google + integration
Replies: 75
Views: 4570

Re: Google Contact List creeping towards google + integrati

back on topic. there are at least 3 levels of "adversaries", the govt, the corporations(i'm guessing mostly google) and 'the world' my initial post i'm more focused, on the latter, whereby, google + being a "social network" , my private videos/photos will accidentally default to ...
by kwan2
Wed Sep 18, 2013 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Google Contact List creeping towards google + integration
Replies: 75
Views: 4570

Re: Google Contact List creeping towards google + integrati

the latest skype upgrade, tells me, in the future, skype will save me the hassle of approving upgrades, maybe like chrome does, I wonder if this is any worse than gmail's 'robot's' scanning all email (whoops changed my topic) whoops, forgot that feature, where you can delete your content .... 22-05-...
by kwan2
Wed Sep 18, 2013 12:11 am
 
Forum: Personal Consumer Issues
Topic: Google Contact List creeping towards google + integration
Replies: 75
Views: 4570

Re: Google Contact List creeping towards google + integrati

well, if i ever get around to it, i'm thinking of downloading all my photos and old email from google/picasa, putting them in an encrypted file, and uploading that file to google drive and/or printing out all my contacts and just manually typing them in, when i want to write someone , then going and...
by kwan2
Mon Sep 16, 2013 3:01 am
 
Forum: Personal Consumer Issues
Topic: Google Contact List creeping towards google + integration
Replies: 75
Views: 4570

Google Contact List creeping towards google + integration

Hello, I've been considering remove most of my old email from gmail, but keeping the account active. I'm a bit creeped out, by the creeping integration of the google platforms, like when I use the picasa photo albums, I'm all but forced to sign up for google +, though i can get around it for now, Go...
by kwan2
Sun Sep 15, 2013 2:11 am
 
Forum: Personal Consumer Issues
Topic: Google Contact List creeping towards google + integration
Replies: 75
Views: 4570
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