Search found 352 matches

by kwan2
Sun May 22, 2016 10:25 pm
Forum: Personal Consumer Issues
Topic: smart phone contact list, android, how to make private?
Replies: 12
Views: 937

Re: smart phone contact list, android, how to make private?

seems to me , very many apps, want access to contact list, that have no business having it, and then I would guess gets sold/shared off the some datamining company, that acts as a middleman for facebook. i wonder if there is a way to see all the apps that currently have access to my contacts in Andr...
by kwan2
Sat May 21, 2016 9:32 pm
Forum: Personal Consumer Issues
Topic: smart phone contact list, android, how to make private?
Replies: 12
Views: 937

smart phone contact list, android, how to make private?

smart phone contact list, android, how to make private? i purposely keep facebook off my phone and no Whatsapp either, i even have a pseudonym for a name on facebook, and yet somehow I'd swear my Android phone contacts got harvested and I am offered a "people you might know" on my Desktop ...
by kwan2
Sun May 08, 2016 4:46 pm
Forum: Investing - Theory, News & General
Topic: Classic Bernstein 2 — Choosing Portfolio Bond Duration
Replies: 41
Views: 5242

Re: Classic Bernstein 2 — Choosing Portfolio Bond Duration

so, do many BH, take Mr.Bernstein's advice, and avoid corporate bonds, and not buy TBM or IT Bond Index, because of their containing corporate bonds? and/or tilt by say buying 50% TBM and 50% UST IT ? seems to me, would be uncommon in practice for the majority of BH investors, but I've no idea really
by kwan2
Sun May 08, 2016 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Keep high amounts of cash for lower ACA premiums?
Replies: 37
Views: 4152

Re: Keep high amounts of cash for lower ACA premiums?

+one thing to keep in mind , is the CSB doesn't have to be repaid, if you underestimate your earning, while the PTC does. so better to error on the side of underestimation. +i wonder what happens, if one estimates their income at just above the cutoff for Medicaid , but then at the end of the year, ...
by kwan2
Sat May 07, 2016 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Safe withdrawal rates
Replies: 51
Views: 7490

Re: Safe withdrawal rates

http://retirementresearcher.com/the-4-rule-and-the-search-for-a-safe-withdrawal-rate/ I have been reading about different types of withdrawal rates such as ARVA, VPW, 4%, and I am curious what type members of this forum would recommend using or how to determine what is best for each person? Any help...
by kwan2
Sat May 07, 2016 10:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard live video webcast: Keys to building a successful investment portfolio
Replies: 15
Views: 1382

Re: Vanguard live video webcast: Keys to building a successful investment portfolio

I wish they would make these, more or less immediately available for replay, not so easy, in this busy life to set aside a random hour of the day to watch. or be unable to skip forward or back, maybe even like on youtube. the could tell you at what minute what topic was addresssed. if they do allow ...
by kwan2
Sat May 07, 2016 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 56244

Re: Question for the Bogleheads Millionaires

if i could do it all again, i think being an officer in the air force, for 20 years, on full retirement pension, or a federal firefighter would be the way to go, assuming you could put up with the military for that long.

the guarantee pension amounts, seem as good as owning $1M in assets IMHO.
by kwan2
Sat May 07, 2016 10:29 pm
Forum: Personal Consumer Issues
Topic: Considering buying my own modem
Replies: 43
Views: 2852

Re: Considering buying my own modem

this quandry is similar to when does it makes sense to insure something. or buy warrantys on things. lets' see 4/60 is 15 so in 15 months it pays for itself, all things being equal, i would make a large wager a good deal on a NEW cable modem, is gonna last 15 months..., unless you live in a dusty pl...
by kwan2
Fri Apr 22, 2016 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: State Estimated Taxes, Can I lump pay ? Anyone else do this?
Replies: 23
Views: 1534

Re: State Estimated Taxes, Can I lump pay ? Anyone else do this?

I don't quite understand how turbotax calculates these things, software says if I pay '100% of actual 2015 tax ($901)" ; that my payment is $704, I guess it goes into a worksheet/formula, I would think 'safe harbor' would require I pay the $901? 'Safe harbor' requires that you pay the minimum ...
by kwan2
Thu Apr 21, 2016 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: State Estimated Taxes, Can I lump pay ? Anyone else do this?
Replies: 23
Views: 1534

Re: State Estimated Taxes, Can I lump pay ? Anyone else do this?

I don't quite understand how turbotax calculates these things, software says if I pay '100% of actual 2015 tax ($901)" ; that my payment is $704, I guess it goes into a worksheet/formula, I would think 'safe harbor' would require I pay the $901? so, if I choose "100% of your 2016 tax"...
by kwan2
Thu Apr 21, 2016 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: State Estimated Taxes, Can I lump pay ? Anyone else do this?
Replies: 23
Views: 1534

Re: State Estimated Taxes, Can I lump pay ? Anyone else do this?

1st quarter due date here is April 20th, so do I mail a late Voucher, or just use the next quarter's voucher? guess I can give them a call :)
by kwan2
Thu Apr 21, 2016 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: State Estimated Taxes, Can I lump pay ? Anyone else do this?
Replies: 23
Views: 1534

Re: State Estimated Taxes, Can I lump pay ? Anyone else do this?

hmm, yes, I had followed the same google link to that PDF file, but had not finished looking at it: "De Minimis Exception—Taxpayers can owe up to $1,000 on their tax return without penalty." ........so I guess I don't have to pay estimated taxes since I am < $1000 ($700.00 or so is what Tu...
by kwan2
Wed Apr 20, 2016 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: State Estimated Taxes, Can I lump pay ? Anyone else do this?
Replies: 23
Views: 1534

Re: State Estimated Taxes, Can I lump pay ? Anyone else do this?

sorry, I've never paid Estimated Taxes before. the 1st payment would be due April 15th for 2016, so I guess I've missed the 1st payment, so now, I may have a penalty and if I paid today the lump sum, I might need to add the penalty to it? I assume I can pay at anytime during the quarter for each qua...
by kwan2
Wed Apr 20, 2016 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: State Estimated Taxes, Can I lump pay ? Anyone else do this?
Replies: 23
Views: 1534

State Estimated Taxes, Can I lump pay ? Anyone else do this?

State Estimated Taxes, Can I lump pay ? Anyone else do this? Hello, instead of paying the $6-700 I owe broken into 4 parts every year, can I just pay 1 payment May/June 1st , whatever it is for 2016 to Hawaii State ? There is no auto system for payment like for federal estimated taxes, just yet. And...
by kwan2
Thu Mar 31, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax /?estimated taxes payments for 2015 ??
Replies: 19
Views: 2283

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

I seem to owe about $900 to Hawaii, and $682 is tax due, since it seems all of my inherited IRAs RMDs, and VGs distributions don't allow Hawaii withholding. and all things being about the same. Can I just make a lump sum quarterly estimated tax payment instead of spreading it out over 4 quarters? or...
by kwan2
Sat Mar 26, 2016 5:49 pm
Forum: Personal Consumer Issues
Topic: Cable 50Mb/sec vs. 100Mb/sec ?
Replies: 18
Views: 1524

Re: Cable 50Mb/sec vs. 100Mb/sec ?

seems to be a consensus. which is appreciated
by kwan2
Sat Mar 26, 2016 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: turbotax state import showing wrong amounts in 2015
Replies: 2
Views: 206

Re: turbotax state import showing wrong amounts in 2015

no i didn't though, last year, TT presented me with all the vouchers to start paying estimated taxes for 2015, i believed i did some research and determined i didn't need to. sorry, the numbers are actually $637 and $662 (not $662 but good thinking :) ) i'm sort of in a semi early retirement trial, ...
by kwan2
Sat Mar 26, 2016 4:21 pm
Forum: Personal Consumer Issues
Topic: Cable 50Mb/sec vs. 100Mb/sec ?
Replies: 18
Views: 1524

Re: Cable 50Mb/sec vs. 100Mb/sec ?

this is not on wifi, is on the enet cable, also over a VPN If you are on wifi you could plug in an ethernet cable instead to improve things. For what you are doing I don't see the real benefit of going from fast to super fast. I stream movies and I am fairly heavy internet user and even 12mb/sec is ...
by kwan2
Sat Mar 26, 2016 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: turbotax state import showing wrong amounts in 2015
Replies: 2
Views: 206

turbotax state import showing wrong amounts in 2015

turbotax state import showing wrong amounts in 2015 forgive me for asking this here, can't get TT support page to work. i carefully imported 2014 return into 2015, 2014 TT shows a $637 payment to Hawaii State, my checkbook says that is what I paid, however, when I go to put in the taxes paid section...
by kwan2
Sat Mar 26, 2016 4:09 pm
Forum: Personal Consumer Issues
Topic: Cable 50Mb/sec vs. 100Mb/sec ?
Replies: 18
Views: 1524

Cable 50Mb/sec vs. 100Mb/sec ?

hello, my modem does a max of 50Mb/sec, and my time warner max's out at 50Mb/sec, I don't stream television or movies much for now. but, i'm on the internet all day, everyday doing various tasks. I can buy a 100Mb/sec modem for $40 and pay an extra $10 /month for the 100Mb/sec but, i'm sort of wonde...
by kwan2
Fri Mar 25, 2016 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule D Long vs. Short term loss on Trust tax question
Replies: 3
Views: 277

Re: Schedule D Long vs. Short term loss on Trust tax question

in my case, I got a K-1 from the accountant who did my parent's 1041 and determined with sale of a house, that there was a capital loss, which flowed 50% to me, one of the bene's on the RLT. the accountant said that by law, it is a LTL ; but ALSO, that I might not have to amend if I put it down as a...
by kwan2
Mon Nov 09, 2015 4:44 pm
Forum: Personal Consumer Issues
Topic: Final Question on ACA/'obamacare" application 2015
Replies: 22
Views: 2910

Re: Final Question on ACA/'obamacare" application 2015

hmm...ok, understanding it a bit more now Now we know the answer. The government is going with what Kliff and Somashekhar call “the honor system.” “We have concluded that the…proposed rule is not feasible for implementation for the first year of operations,” say the Centers for Medicare and Medicaid...
by kwan2
Mon Nov 09, 2015 4:03 pm
Forum: Personal Consumer Issues
Topic: Final Question on ACA/'obamacare" application 2015
Replies: 22
Views: 2910

Re: Final Question on ACA/'obamacare" application 2015

Access to federal tax returns I give permission for my eligibility for help paying for health insurance to be renewed for a period of: Important: Select at least 1 item(s) I give permission for my eligibility for help paying for health insurance to be renewed for a period of: 1 year 2 years 3 years ...
by kwan2
Sat Nov 07, 2015 4:44 pm
Forum: Personal Consumer Issues
Topic: Final Question on ACA/'obamacare" application 2015
Replies: 22
Views: 2910

Re: Final Question on ACA/'obamacare" application 2015

well this is sort of just it, if i agree "yes", then do i give up the ability to enter my own income for the 1-5 years, or can i override this time next year etc ? So what happens when someone retires early? I had a six figure income the past five years. In 2016 my income from wages will b...
by kwan2
Thu Nov 05, 2015 1:51 pm
Forum: Personal Consumer Issues
Topic: Final Question on ACA/'obamacare" application 2015
Replies: 22
Views: 2910

Re: Final Question on ACA/'obamacare" application 2015

thx for answering, but it definitely is offering to auto reenroll for 1-5 years. i guess i still don't understand , how much difference in predicted income should be reported, i need some ballpark idea. so, how did you answer the question i'm talking about ; did you say "no" or yes with 1 ...
by kwan2
Thu Nov 05, 2015 12:51 am
Forum: Personal Consumer Issues
Topic: Final Question on ACA/'obamacare" application 2015
Replies: 22
Views: 2910

Re: Final Question on ACA/'obamacare" application 2015

so how did you answer the question that i'm asking about? did you sign up for an extra 1 year, 5 years? so during this years open enrollment, you were asked for additional documentation, and your supposed to mail it in or , how and to whom do you provide it ? assuming i can ever get ID verified, i j...
by kwan2
Tue Nov 03, 2015 3:28 pm
Forum: Personal Consumer Issues
Topic: Final Question on ACA/'obamacare" application 2015
Replies: 22
Views: 2910

Re: Final Question on ACA/'obamacare" application 2015

......so thanks for the reply, i wrote this to the other replyee: 1) does the IRS actual check 1040 MAGI against W2s and 1099s via computers? and/or is it less likely to have the IRS in my life if I DONT sign up to have the IRS do the annual calcuations to decide what i qualify for. 2) any unknown p...
by kwan2
Tue Nov 03, 2015 3:24 pm
Forum: Personal Consumer Issues
Topic: Final Question on ACA/'obamacare" application 2015
Replies: 22
Views: 2910

Re: Final Question on ACA/'obamacare" application 2015

........yes at one point i did think about that however, i can't recall why i chose to not go that route other than the obvious, mental accounting of not seeing $300/month go out, instead of $80 .......may be another angle to it, but my real question is more like : 1) does the IRS actual check 1040 ...
by kwan2
Mon Nov 02, 2015 7:01 pm
Forum: Personal Consumer Issues
Topic: Final Question on ACA/'obamacare" application 2015
Replies: 22
Views: 2910

Final Question on ACA/'obamacare" application 2015

Hello, I'm trying to apply for the ACA on the fed website. And am being slowed down a bit by how to answer this question: -- To make it easier to determine my eligibility for help paying for health coverage in future years, I agree to allow the Marketplace to use income data -- apparently, this is w...
by kwan2
Tue Oct 27, 2015 4:14 pm
Forum: Personal Consumer Issues
Topic: insidious facebook, mapping my monitor or NIC/IMEI?
Replies: 45
Views: 5023

Re: insidious facebook, mapping my monitor or NIC/IMEI?

i'd appreciate an emoticon in the future, as i'm guessing your sentiment is insincere :) though, i've tested it before, i seem to have an IP and DNS leak, but I'm thinking this is after I installed/uninstalled Disconnect, which did something to my OVPN GUI hmmm https://ipleak.net/ not sure if I had ...
by kwan2
Mon Oct 26, 2015 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: RLTrust question: in case of divorce of beneficiary, etc
Replies: 1
Views: 254

RLTrust question: in case of divorce of beneficiary, etc

RLTrust question: in case of divorce of beneficiary, etc Hello, presently we have a RLT setup with the IRAs and 403b naming the RLT as the beneficiary. And I searched an read a bit on "see through trust" requirements: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=165389&p=24...
by kwan2
Mon Oct 12, 2015 12:41 pm
Forum: Personal Consumer Issues
Topic: insidious facebook, mapping my monitor or NIC/IMEI?
Replies: 45
Views: 5023

Re: insidious facebook, mapping my monitor or NIC/IMEI?

........actually, it was brand spanking new, but i do tend to keep open 20 tabs in 4-5 windows, perhaps, when i had to allow akamai, and facebook script access, those scripts, create cookies, and i've noticed the cookies in every open tab also get renewed, which probably includes various akamai rela...
by kwan2
Thu Oct 01, 2015 11:03 pm
Forum: Personal Consumer Issues
Topic: insidious facebook, mapping my monitor or NIC/IMEI?
Replies: 45
Views: 5023

Re: insidious facebook, mapping my monitor or NIC/IMEI?

though, i've tested it before, i seem to have an IP and DNS leak, but I'm thinking this is after I installed/uninstalled Disconnect, which did something to my OVPN GUI hmmm https://ipleak.net/ not sure if I had this at the time I posted the question, as I've checked it before and had noleak, the new...
by kwan2
Tue Sep 29, 2015 2:33 pm
Forum: Personal Consumer Issues
Topic: insidious facebook, mapping my monitor or NIC/IMEI?
Replies: 45
Views: 5023

Re: insidious facebook, mapping my monitor or NIC/IMEI?

https://chrome.google.com/webstore/detail/keyboard-privacy/aoeboeflhhnobfjkafamelopfeojdohk?utm_source=chrome-app-launcher-info-dialog https://en.wikipedia.org/wiki/Canvas_fingerprinting It is claimed that because the technique is effectively fingerprinting the GPU, that the entropy is "orthogo...
by kwan2
Mon Sep 28, 2015 9:27 pm
Forum: Personal Consumer Issues
Topic: insidious facebook, mapping my monitor or NIC/IMEI?
Replies: 45
Views: 5023

Re: insidious facebook, mapping my monitor or NIC/IMEI?

sorry should have said MAC address NOT IMEI , as this is a desktop on ethernet cable , no wifi i'm just mostly curious how , as a best guess, i guess supercookies like with Verizon if they went thru went the undeletable ones on phones, might apply, but this is on a desktop other than fingerprinting ...
by kwan2
Mon Sep 28, 2015 5:38 pm
Forum: Personal Consumer Issues
Topic: insidious facebook, mapping my monitor or NIC/IMEI?
Replies: 45
Views: 5023

Re: insidious facebook, mapping my monitor or NIC/IMEI?

i suppose nothing really would surprise me. somehow i just'd like to know the depth of one of masters of tracking people ; and limit my exposure, though "i've nothing to hide" ..... unless my chrome cookies were shared with my firefox cookies, or perhaps when i enabled noscript for firefox...
by kwan2
Mon Sep 28, 2015 5:20 pm
Forum: Personal Consumer Issues
Topic: insidious facebook, mapping my monitor or NIC/IMEI?
Replies: 45
Views: 5023

insidious facebook, mapping my monitor or NIC/IMEI?

I don't really want to use fbook, but have a few people, whom it is the only way to see what is going on with them. I deleted a few old accounts, none that ever had my real name on them, but 1 which has old high school friends, last year, i deleted. i created this new fb account, with a new email ac...
by kwan2
Wed Sep 23, 2015 3:17 pm
Forum: Personal Consumer Issues
Topic: dumb question: if i have a credit freezes going is there any reason to do annual credit report checking?
Replies: 32
Views: 2591

dumb question: if i have a credit freezes going is there any reason to do annual credit report checking?

dumb question: if i have a credit freezes going is there any reason to do annual credit report checking?
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: 370

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: 370

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: 14098

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: 14098

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: 4305

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: 14098

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: 1428

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: 1281

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: 1063

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: 799

Re: 401K

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

https://www.bogleheads.org/wiki/Tax_loss_harvesting

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