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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 5:22 pm
 
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 884

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
Wed Jan 28, 2015 2:17 pm
 
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 884

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
Tue Jan 27, 2015 6:30 pm
 
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 884

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 9:35 pm
 
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 884

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 9:22 pm
 
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 884

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 9:10 pm
 
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 884

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 8:30 pm
 
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 884

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 8:29 pm
 
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 884

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 7:43 pm
 
Forum: Personal Consumer Issues
Topic: USA Medical Insurance, while travelling overseas?
Replies: 19
Views: 884

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
Mon Jan 26, 2015 7:36 pm
 
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 31
Views: 2405

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 14, 2015 10:19 pm
 
Forum: Personal Consumer Issues
Topic: WEP Wifi when travelling
Replies: 21
Views: 1985

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...
by kwan2
Wed Jan 07, 2015 1:52 am
 
Forum: Personal Consumer Issues
Topic: WEP Wifi when travelling
Replies: 21
Views: 1985

Re: WEP Wifi when travelling

thanks for the replies, I'm not technical enough to understand if a VPN over WEP is "secure" , other than to know WPA2 is best, maybe I should not use WEP at all? or where in the security stack the VPN takes over, and what sniffing software could see, if I was on a VPN, or inject into my c...
by kwan2
Wed Jan 07, 2015 1:13 am
 
Forum: Personal Consumer Issues
Topic: WEP Wifi when travelling
Replies: 21
Views: 1985

WEP Wifi when travelling

hello, I am going to be staying at a hotel, that uses a common shared password for all their routers, the owners have WEP security only on it. The owners are not willing to upgrade. If I were to use a VPN, on my laptop, does that provide me with adequate security , (for email ? for any banking ?) my...
by kwan2
Tue Jan 06, 2015 10:34 pm
 
Forum: Personal Consumer Issues
Topic: WEP Wifi when travelling
Replies: 21
Views: 1985

Re: TLH confusion

well what if his other 60% or a portion Were purchased w/in 30days of the sale of the ones that he held for weeks ? Not a wash sale. See if this re-writing of the wiki is helpful -> https://www.bogleheads.org/forum/viewtopic.php?p=2304155#p2304155 It is not a wash sale if you buy shares and within 3...
by kwan2
Sat Dec 27, 2014 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH confusion
Replies: 16
Views: 1039

Re: Soon To Retire - Portfolio Advice

you don't seem to mention your expenses, no matter the assets, expenses with throw everything off using 'the calculators'
by kwan2
Thu Dec 11, 2014 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Soon To Retire - Portfolio Advice
Replies: 11
Views: 1900

Re: What to do with Orphaned Small $ Rollover IRA

have you called VG, the concierge for IRAs, will do whatever it takes, to get more money and accounts over to VG, was my experience.
by kwan2
Thu Dec 11, 2014 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with Orphaned Small $ Rollover IRA
Replies: 9
Views: 645

Re: Inherited IRA overdraw

thx for response, please disregard further. :?
by kwan2
Thu Dec 11, 2014 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA overdraw
Replies: 9
Views: 763

Re: Inherited IRA overdraw

VG is saying money must be put back into the IIRA, to have enough to take the 2014 RMD, I'm a third party in the conversation, will get some more information, and be back , thx
by kwan2
Tue Dec 09, 2014 11:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA overdraw
Replies: 9
Views: 763

Inherited IRA overdraw

Hello,

One of my parents passed few years ago, and we have been required to take a RMD, however, we took out far more than the RMD, and now there is no longer enough for what is calculated due, can I just zero out the Inherited IRA, or how do I refund the IIRA from a taxable account?


thanks
by kwan2
Tue Dec 09, 2014 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA overdraw
Replies: 9
Views: 763

login security questions, using false answers

hello, curious, what systems, people may use for the security questions: eg 'what street did you grow up on?' etc I figure if you "best friend's last name?" was smith or something, I should either link/flip questions. maybe make 'my favorite vacation' into 'my best friends last name' for c...
by kwan2
Thu Dec 04, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: login security questions, using false answers
Replies: 13
Views: 1076

android location keep off for battery or on in case stolen?

android location keep off for battery or on in case stolen? I also don't like having location on for privacy sake, as I can never understand what apps are using what permissions for what, nor have the time to even attempt it. I have signed up to remotedly ring, lock, and erase my phone, but without ...
by kwan2
Sat Nov 29, 2014 7:29 pm
 
Forum: Personal Consumer Issues
Topic: android location keep off for battery or on in case stolen?
Replies: 3
Views: 889

Re: Need Inherited IRA RMD $, choose reinvest vs. don't ?

thanks but what i'm trying to get at is say: I know next year I will have a $7,500 RMD, shouldn't I allocate that amount to a short term bond fund with a 2 year duration, vs. the Intermediate term 6 year duration, I have my other allocations setup as , you know, 1 year emergency fund, then 2 years o...
by kwan2
Sat Nov 29, 2014 12:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Inherited IRA RMD $, choose reinvest vs. don't ?
Replies: 4
Views: 969

Re: Need Inherited IRA RMD $, choose reinvest vs. don't ?

thx, I guess my thinking is/was that : if I am going to , every year, be forced to take a RMD, that I should not have the money in something with a 6 year bond duration, that I'm going to use, sort of like, keeping your money in a stock fund for 10 years minimum. but, maybe no harm, if , in my case,...
by kwan2
Wed Nov 26, 2014 11:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Inherited IRA RMD $, choose reinvest vs. don't ?
Replies: 4
Views: 969

Re: google account overlap on mobile phones

so, in my case, what I did was export my google calendar while on the desktop, then logout of account "desktop", then login on the desktop to account "smartphone" and import the calendar into "smartphone"/google account, then logout. and go to the phone, the emails, I a...
by kwan2
Sun Nov 16, 2014 2:53 pm
 
Forum: Personal Consumer Issues
Topic: google account overlap on mobile phones
Replies: 8
Views: 2659

Need Inherited IRA RMD $, choose reinvest vs. don't ?

I am needing to take $5000 + / year in an Inherited IRA, I take this at the end of the year, to keep it tax sheltered a little longer. The account is 100% in the fund VG Int Term Bond Idx, and doesn't generate the full $5000/year, (I believe well short of that) whatever the amount is , am I better o...
by kwan2
Sat Nov 15, 2014 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Inherited IRA RMD $, choose reinvest vs. don't ?
Replies: 4
Views: 969

Re: google account overlap on mobile phones

you seem to be referring to my thunderbird IMAP setup? can you give me an example of a misconfiguration? also I'm using ddwrt on my router. but, in short, this is just what I'm talking about problem-solving routers is over my head, esp. networking, I might be able to fix it with a big time investmen...
by kwan2
Thu Nov 13, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: google account overlap on mobile phones
Replies: 8
Views: 2659

Re: google account overlap on mobile phones

thx but am not 'forwarding' anything, i'm using 'POP' to get smartphone emails to the desktop email account , why wouldn't they stay addressed to the original account address, like all the other emails? i tried to go back to thunderbird, but it became broken, and was too much hassle to figure out al...
by kwan2
Thu Nov 13, 2014 3:47 pm
 
Forum: Personal Consumer Issues
Topic: google account overlap on mobile phones
Replies: 8
Views: 2659

google account overlap on mobile phones

has anyone else noticed, that if they set up 1 google account on their smartphone, and use a different one on their desktop/laptop, and use the desktop gmail account, to also pull-in/ POP the account using the smartphone, that the smartphone emails, are being sent to the desktop gmail account direct...
by kwan2
Thu Nov 13, 2014 2:49 pm
 
Forum: Personal Consumer Issues
Topic: google account overlap on mobile phones
Replies: 8
Views: 2659

Opinion: Should I read VG statements, if I'm set and forget?

Opinion: Should I read VG statements, if I'm "set and forget"'ing? I log in 1-4x/month and can see the basic account value, I rebalance 1x/year, Must I download print and read each statement I get? pros/cons? I'm trying to set a goal, of logging on no more than 1x/month, as I believe this ...
by kwan2
Tue Nov 11, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinion: Should I read VG statements, if I'm set and forget?
Replies: 3
Views: 395

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 5:00 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 10386

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 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 10386

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 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 10386

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 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Pay cash for flight on sale, or use FF mileage quandry
Replies: 30
Views: 2392

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 12:04 am
 
Forum: Personal Consumer Issues
Topic: Banking on VPN or off for Man in the Middle issue?
Replies: 12
Views: 1487

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 9:25 pm
 
Forum: Personal Consumer Issues
Topic: Pay cash for flight on sale, or use FF mileage quandry
Replies: 30
Views: 2392

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 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Banking on VPN or off for Man in the Middle issue?
Replies: 12
Views: 1487

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 8:40 pm
 
Forum: Personal Consumer Issues
Topic: Pay cash for flight on sale, or use FF mileage quandry
Replies: 30
Views: 2392

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 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Banking on VPN or off for Man in the Middle issue?
Replies: 12
Views: 1487

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 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Pay cash for flight on sale, or use FF mileage quandry
Replies: 30
Views: 2392

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 2:44 am
 
Forum: Personal Consumer Issues
Topic: Pay cash for flight on sale, or use FF mileage quandry
Replies: 30
Views: 2392

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 9:02 pm
 
Forum: Personal Consumer Issues
Topic: Pay cash for flight on sale, or use FF mileage quandry
Replies: 30
Views: 2392

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 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 98
Views: 7049

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 5:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 92
Views: 11719

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 1:41 am
 
Forum: Investing - Theory, News & General
Topic: Total Market Bond Fund vs Intermediate Term Fund
Replies: 47
Views: 6773

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
Wed Aug 13, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 98
Views: 7049

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 2:33 am
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2114

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 2:19 am
 
Forum: Personal Consumer Issues
Topic: More on Computer Security
Replies: 17
Views: 1683

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 2:16 am
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 98
Views: 7049

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 10:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Management Diversification, via VG ETFs ?
Replies: 7
Views: 538
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