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Re: Some sense of having enough

I am too far from retirement, but I have been talking with my mom, who's about 2 years in. In the first year, she was totally freaked out. She was staying at our former home, but all of the kids have moved away. All her friends have moved away (it's not a nice neighborhood). Before she was complaini...
by paulsiu
Wed Apr 23, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Some sense of having enough
Replies: 13
Views: 1776

Re: why a million may no be enough

I don't see anyone thinking that a 7% withdraw rate is safe. A safer withdraw rate is 3-4%. A million will net you $30K-40K a year. Social security is still working now and you'll end up with some money. Whether this is enough is up to the individual. I wouldn't want to live on $30-40K a year, but h...
by paulsiu
Wed Apr 23, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Why a million may not be enough
Replies: 33
Views: 4628

Re: Is "sheltering" my GF financially hurting our future?

No, marrying her is not going to screw with your credit rating. She doesn't have any debts, which means she's financially responsible or you have looked out for her. I wouldn't worry about it. She can establish her own credit eventually. My advice is to involve her in the finance side of things so t...
by paulsiu
Tue Apr 22, 2014 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is "sheltering" my GF financially hurting our future?
Replies: 22
Views: 3911

Re: Need signature guarantee in Japan

If I remember correctly, a signature Guarantee means the entity will be liable for the amount. This means you can just get this as a service. You probably need an account. I had issue with brokerage needing a signature guarantee in the past and I asked to speak to a supervisor who was able to waive ...
by paulsiu
Tue Apr 22, 2014 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Need signature guarantee in Japan
Replies: 24
Views: 919

Re: Question about Probate cost

Thank you everyone for your help. Currently, my mom do not own any real estate, and currently no car. She owns some of the usual bank accounts, brokerage accounts and IRA's. Based on what I read, she should be able to set up transfer upon death on most of the account and I believe IRA skips probate ...
by paulsiu
Tue Apr 22, 2014 8:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Question about Probate cost
Replies: 17
Views: 978

Re: POLL: what's the deal with Tuna Fish?

Tuna fat is solid, sort of like fat on a steak. I generally prefer raw tuna, especially the fatty belly. However, I can't afford to eat it all the time. If I do eat tuna from a can, my preference is to get the tuna packed in olive oil. Usually the exact brand another poster displayed. Water may be b...
by paulsiu
Mon Apr 21, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: POLL: what's the deal with Tuna Fish?
Replies: 48
Views: 3120

Question about Probate cost

My mom asked me to look into estate planning now that she's moved to a different state. It appears that in California, her estate will split equally among her children, so she wouldn't need a will unless she wants to change that distribution or indicate who it should go to if all her children passes...
by paulsiu
Mon Apr 21, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about Probate cost
Replies: 17
Views: 978

Anyone using Lyca Mobile at the moment?

I notice that Lyca Mobile offers a 1 cent per minute to call overseas. Currently using Skype to do this, but not only do you get hit with a connection fee, you get charge a foreign transaction fee when you refill because Skype is located overseas even though it is owned by Microsoft. What's the voic...
by paulsiu
Mon Apr 21, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: Anyone using Lyca Mobile at the moment?
Replies: 0
Views: 73

Re: Windows Connectivity/Security Question

You can disable the network card, which will prevent you from connecting to the internet, assuming that you don't have a second network card or is connecting through a wireless connection. This is because the driver is disabled at the OS level. The problem is to disable it, you need to login as an a...
by paulsiu
Fri Apr 18, 2014 7:30 am
 
Forum: Personal Consumer Issues
Topic: Windows Connectivity/Security Question
Replies: 17
Views: 835

If you are thinking of Sony blue ray as a streamer

Recently, I have been having issues with my Sony BDP-S590 player and Netflix. When this happens, I can't get Amazon video to work either, but the internet is still working. For a while, I thought it was an IP number conflict related issue. I tried resetting the Blue Ray and then the router, but noth...
by paulsiu
Fri Apr 18, 2014 1:24 am
 
Forum: Personal Consumer Issues
Topic: If you are thinking of Sony blue ray as a streamer
Replies: 1
Views: 372

Re: Alternative to a car

I like the idea of trying to access her competence and perhaps driving school. One reason is that she is stubborn and will do whatever g she wants any way. Grocery deliver and wheel carts are also good ideas.

Paul
by paulsiu
Fri Apr 18, 2014 1:07 am
 
Forum: Personal Consumer Issues
Topic: Alternative to a car
Replies: 34
Views: 2230

Re: Aio Wireless

Based on posts, the service seems ok and probably better customer service than Straight Talk. I can't try it because they are not in my area. They are still more expensive than Tmobile for 3 lines = 50 + 30 + 10 + tax is still cheaper than AIO wireless's $40 x 3. For two lines, it may be cheaper sin...
by paulsiu
Wed Apr 16, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: Aio Wireless
Replies: 28
Views: 1532

Re: Whats with the internet cap-100GB/ month?

The caps are there for several reasons: 1. A very selective number of users download constantly. 2. They want an extra revenue stream, charge you more fees for data. 3. ISP want a piece of the action coming down their pipe. Various vendors like Comcast and AT&T also deliver content. Cable servic...
by paulsiu
Mon Apr 14, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: Whats with the internet cap-100GB/ month?
Replies: 11
Views: 1225

Re: New homeowner: lawn care advice

I have a black and decker cordless. One issue with cordless is that the battery increases the weight. My father-in-law doesn't like to use it because he said it's too heavy. In addition, there is a power reduction, so you have to make sure you cut more often. If you cut it regularly, it works fine, ...
by paulsiu
Mon Apr 14, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 54
Views: 3822

Re: SSA says Grandmother owes 88K!

Make sure you respond to SS in a timely manner, they often give you a limited time window for appeal and afterwards it's virtually impossible to fix.

Paul
by paulsiu
Mon Apr 14, 2014 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: SSA says Grandmother owes 88K!
Replies: 26
Views: 3855

Re: Does android tablet need strong password?

If you lose your laptop, how likely can they use your tablet to access sensitive information? Can you remote erase your tablet?

Paul
by paulsiu
Mon Apr 14, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Does android tablet need strong password?
Replies: 3
Views: 371

Re: Woodpeckers...I'm desperate!

When I was looking at houses, one of the houses my wife wanted was a cedar house, but we killed the idea when we notice tons of woodpecker holes. I think when you get wooden house, you will have this issue unless the wooden surface is covered such as with siding. Woodpeckers peck your house because ...
by paulsiu
Mon Apr 14, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 3446

Re: Alternative to a car

Hi, The reason we are asking is because my mom was recently involved in a serious accident where she totaled the car. Based on the police report, it appears may have made a left turn from a non-turning lane because the turning lane was blocked by some cones (which means she should not have made the ...
by paulsiu
Mon Apr 14, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Alternative to a car
Replies: 34
Views: 2230

Re: How to get parents on a better path

nakedbird226 wrote:My mom isn't on the loan because she was smart and refused to cosign. She wouldn't give my dads siblings a dime if he passed away and I don't blame her.


And I assume that your parents do not live a community property state?

Paul
by paulsiu
Wed Apr 09, 2014 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to get parents on a better path
Replies: 14
Views: 1172

Re: Why Americans are Retiring Overseas

I think moving overseas would be great if you are part of the culture (you used to live there, but is moving back), has family in the area, or is in love with the culture. I can think of several reason why this would be good idea: * If you have kids, the cost of them visiting often you may be prohib...
by paulsiu
Wed Apr 09, 2014 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 9079

Re: California Taxes - Am I Missing Something?

My mom just move there. Because she is low income, her tax is zero or close to zero. There are some issues: 1. Housing is really expensive, at least near the Bay Area. Property taxes are OK. 2. In CA, pension is taxed. Her previous state did not tax pensions or IRA's. 3. She find that gas is really ...
by paulsiu
Wed Apr 09, 2014 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8549

Re: How to get parents on a better path

Seems like your relatives are taking advantage of your parents. Giving your relatives more money will not help them unless they become responsible. Your dad's aid to his irresponsible sibling harms his family. What happens if your father passes away, does the debt pass to your mom? Unfortunately, th...
by paulsiu
Wed Apr 09, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to get parents on a better path
Replies: 14
Views: 1172

Alternative to a car

Are there decent replacement for cars for short trips to the grocery store? We are getting to a point where we feel that our mom should stop driving, but she indicated that the bus are a pain to go grocery shopping. She only need it to go about a mile and across the street from the retirement commun...
by paulsiu
Wed Apr 09, 2014 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Alternative to a car
Replies: 34
Views: 2230

Re: how do browsers make money?

Browsers like Firefox and Opera makes its money through ad revenue. They make deals with different search engines like google, yahoo, or bing to set as their default engine. When users search, they probably get a percentage of the ad revenue. Some browsers like IE or Chrome redirects ads to their pa...
by paulsiu
Wed Apr 09, 2014 12:05 pm
 
Forum: Personal Consumer Issues
Topic: how do browsers make money?
Replies: 7
Views: 909

Re: Front License Plates for new Subaru

Not every state requires front license plate (PA for example do not), but if you buy a car in a state that does, the dealer should have install one. Even you move from a state that doesn't have front plates to a state that does, call a few dealers. Most will gladly install one for you for free since...
by paulsiu
Wed Apr 09, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: Front License Plates for new Subaru
Replies: 8
Views: 740

Re: Netflix & Red Box

There are several streaming service, each has its own set of content they will have and some don't. Netflix seems to have a good collection though I don't watch the original content stuff like House of Cards. If you do a lot of tv, Hulu plus may be a better bet. Amazon prime seems to have significan...
by paulsiu
Wed Apr 09, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: Netflix & Red Box
Replies: 26
Views: 1498

Re: Umbrella Policy, do you have hands on experience

I don't have any hands on experience, but umbrella primary purpose is to protect you from lawsuits for you and your dependents (say your kids caused a severe accident). Policy law may vary state from state, so you should check with your agent on specifics, but in general, certain things are unlikely...
by paulsiu
Sun Apr 06, 2014 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy, do you have hands on experience
Replies: 15
Views: 1636

Re: Factoring in survivor benefits into life insurance calc

Thanks, Yes, $36,000 would be a significant reduction in insurance. Yes, there won't be much left over for the mom. There are still some outstanding question if mom takes the benefits: 1. Does taking survivor benefits to take care of kids under 16 reduce future ss benefit if she later takes husband'...
by paulsiu
Sun Apr 06, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Factoring in survivor benefits into life insurance calc
Replies: 7
Views: 195

Factoring in survivor benefits into life insurance calc

Based on what I can find on SSA site: * Surviving spouse can receive social security benefits (about 75% of benefits) if she is taking care of a 16 year old child. * Surviving children can receive social security benefits (about 75 of benefits) until he or she is 18. * Each family has a maximum bene...
by paulsiu
Sun Apr 06, 2014 9:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Factoring in survivor benefits into life insurance calc
Replies: 7
Views: 195

Re: Unauthorized ACH Withdrawal

You definitely should change your bank account #. Your bank should be doing this for you since it's a security issue.

Paul
by paulsiu
Wed Jan 01, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unauthorized ACH Withdrawal
Replies: 31
Views: 7988

Re: Streaming to televison

I believe I figured out why streaming to chromcast from a chrome tab doesn't seemed to work for me. The minimum system requirement for 480p (the lowest quality) is a Core i3. My current machine is an old one that's below that specification.

Paul
by paulsiu
Wed Jan 01, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Streaming to televison
Replies: 33
Views: 3217

Re: Streaming to televison

I did have a laptop streaming to the TV, but it died one day. Laptops are cheaper these days but not $100 cheap. I do have a chromecast, but found it rather limited because except for google play movie, it doesn't seem to anything that my Blu Ray isn't doing. I do have second laptop but it doesn't h...
by paulsiu
Tue Dec 31, 2013 10:55 am
 
Forum: Personal Consumer Issues
Topic: Streaming to televison
Replies: 33
Views: 3217

Re: Adopting a rescue greyhound

Since we are citing history, Alexander the Great's favorite dog Peritas could have been a greyhound. The dog died after saving Alexander the Great life. He then named a city after Peritas.

Paul
by paulsiu
Tue Dec 31, 2013 10:13 am
 
Forum: Personal Consumer Issues
Topic: Adopting a rescue greyhound
Replies: 17
Views: 998

Re: Adopting a rescue greyhound

I have never owned one, but have talked to a few people with one. If I remember correctly, they are fairly good pets. They were breed to be handled by multiple people, so are generally a friendly dog. This trait also makes them poor guard dogs. They rarely balk. Despite their racing origin, most of ...
by paulsiu
Mon Dec 30, 2013 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Adopting a rescue greyhound
Replies: 17
Views: 998

Re: From a flip phone to a smart phone, can I do this?

I have looked into this a bit. As other poster suggested, Republic Wireless has setup a system where you can call from wifi first and then cell. This won't work if you want to stick with Tmobile or if republic has poor coverage in your area. You can try getting a VOIP app like Talkatone, then setup ...
by paulsiu
Mon Dec 30, 2013 1:26 pm
 
Forum: Personal Consumer Issues
Topic: From a flip phone to a smart phone, can I do this?
Replies: 16
Views: 918

Re: Streaming to televison

I should clarify what I am trying to do. I am trying to stream local content on a SMB server to the TV. I don't need to stream content from the web. The Sony BDP-S590 Blu Ray does ok in this area already. I use it to stream my netflix and youtube. What I have are a bunch of video files in Windows Sh...
by paulsiu
Mon Dec 30, 2013 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Streaming to televison
Replies: 33
Views: 3217

Streaming to televison

A year or two ago, I got a blue ray player Sony BDP-S590 that came with DLNA capabilities. I tested it and it did work even though the interface was rather clunky. The manual did say mpeg4/avc aac was supported with audio AAC. This week, I purchased a train video in H264 format with AAC audio for my...
by paulsiu
Sun Dec 29, 2013 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Streaming to televison
Replies: 33
Views: 3217

Re: Why Do New Operating Systems So Often Disappoint?

Xbox is not crucial to Microsoft's profitability now, but Bing and Xbox may be crucial to Microsoft's future. Bing because it can be used to link cloud data together. Xbox because with media center's slow death, there would be no way to stream Microsoft store movies.

Paul
by paulsiu
Sun Dec 29, 2013 2:50 am
 
Forum: Personal Consumer Issues
Topic: Why Do New Operating Systems So Often Disappoint?
Replies: 96
Views: 6770

Re: Strange calls to Google voice

The issue is if I blocked the number, more calls come in for other numbers. I would have to implement a white list, but that defeats the function of the system. Calls also come in in the middle of the night. I googled the number, but it did no return anything. I check the last two message. They indi...
by paulsiu
Sun Dec 29, 2013 2:39 am
 
Forum: Personal Consumer Issues
Topic: Strange calls to Google voice
Replies: 5
Views: 713

Strange calls to Google voice

I signed up my mom for google voice so people can ring both her cell and land line. This worked fine for a few months, then she stared getting weird calls like "Why are you playing games". I am wondering if these are wrong numbers or just the previous owner of the number or if some securit...
by paulsiu
Sat Dec 28, 2013 4:20 am
 
Forum: Personal Consumer Issues
Topic: Strange calls to Google voice
Replies: 5
Views: 713

Re: Europe with young kids - 6 and almost 3, bad idea ?

Depend on what you want to do and your kids personality. The age does limit your activities. You may have to carry them around. How fit are you and your wife :-).

Paul
by paulsiu
Sat Dec 28, 2013 2:50 am
 
Forum: Personal Consumer Issues
Topic: Europe with young kids - 6 and almost 3, bad idea ?
Replies: 34
Views: 1974

Re: Wish there was a time machine for windows

Actually, I currently backup the image of he drive and then use file history to backup the data. Should the drive failed (which has happened 3x in my lifetime), I use the system image to restore it and then use file history to get the data back. One issue that file history doesn't take snapshot of a...
by paulsiu
Fri Dec 27, 2013 11:16 pm
 
Forum: Personal Consumer Issues
Topic: Wish there was a time machine for windows
Replies: 5
Views: 622

Re: Unauthorized ACH Withdrawal

I have had this happened to me a few years back. I notice it and telephone my bank and they reversed it. I asked both bank to investigate who was doing this, but both said since the charge was reverse, there was no crime so there will be no investigation. I would have been happier if they had invest...
by paulsiu
Fri Dec 27, 2013 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unauthorized ACH Withdrawal
Replies: 31
Views: 7988

Wish there was a time machine for windows

Recently, I took a look at windows 8.1 and notice that they appear to have moved the windows image backup somewhere else. it's still there, but Microsoft appear to want to eventually get rid of it and replace it with something else. Supersite for Windows Paul Thurrott's opinion is that Microsoft is ...
by paulsiu
Fri Dec 27, 2013 12:36 pm
 
Forum: Personal Consumer Issues
Topic: Wish there was a time machine for windows
Replies: 5
Views: 622

Re: Ipad mini scratch guard necessary?

I don't know what sort of glass they use, but if it's like phone it will be fairly scratch resistant. Most phone for example can exist in your pocket with metal keys and not get scratches, but is vulnerable to sand. This mean a scratch guard makes more sense if you use it near or at a beach. Note th...
by paulsiu
Tue Dec 17, 2013 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Ipad mini scratch guard necessary?
Replies: 7
Views: 454

Re: Support for Microsoft Office 2003 Ending April 8, 2014,

I could careless if support ends. I have never call Microsoft for customer support except for work. It's not like the product suddenly stop working after April 8. This is more of a issue for companies who may need it for mission critical tasks.

Paul
by paulsiu
Tue Dec 17, 2013 5:55 pm
 
Forum: Personal Consumer Issues
Topic: Support for Microsoft Office 2003 Ending April 8, 2014, Too!
Replies: 27
Views: 1568

Re: Mega Millions jackpot to $636 million

Just buy one ticket and hope that the person in front of you isn't buying 500 and requesting individual numbers. The odds of winning is slim, so it's a form of gambling, but the commitment is low and the rewards quite large.

Paul
by paulsiu
Tue Dec 17, 2013 5:53 pm
 
Forum: Personal Consumer Issues
Topic: Mega Millions jackpot to $636 million
Replies: 82
Views: 3955

Re: Life after Windows XP?

If you are using Windows XP now, I do not recommend upgrading to 8. The reason has mostly to do with drivers. I have upgraded 2 of my laptop, my wife's Dell e1505 and my Acer 3680. On both laptop, the modem stopped working because I can't find drivers for them, since I never use the drivers, I didn'...
by paulsiu
Tue Dec 17, 2013 1:10 am
 
Forum: Personal Consumer Issues
Topic: Life after Windows XP?
Replies: 117
Views: 6068

Building a home virtual server

My home computer was purchased back around 2000. It gets used mainly as a disk and print server. Recently, I even set it up to serve DLNA content. At work, virtually all of my work are on virtual servers. i remote desktop to the machine and use it as if it's a desktop computer. It works pretty well ...
by paulsiu
Tue Dec 17, 2013 12:45 am
 
Forum: Personal Consumer Issues
Topic: Building a home virtual server
Replies: 2
Views: 280

Re: Bicycle pump - need one with a fool proof head

My sister wants a foot pump and uses a mountain bike or some sort of crossover. She also wanted to get a road bike for some reason. She indicated that her pump has never worked from the start. She got her pump from rei. I don't know the brand. I will get her a Leyze then since it appears to be fairl...
by paulsiu
Mon Dec 09, 2013 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Bicycle pump - need one with a fool proof head
Replies: 15
Views: 745
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