Search found 381 matches

by kwan2
Thu Oct 27, 2016 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Kaiser Senior Advantage for Medicare
Replies: 34
Views: 2535

Re: Anyone use Kaiser Senior Advantage for Medicare

but then a kaiser case manager can limit your access to services , or make it more difficult, 'managed inconvenience' I have the Kaiser Senior Advantage Medicare. This has not been my experience. What evidence so you have that services are limited or made more difficult? As far as I am concerned, I...
by kwan2
Thu Oct 27, 2016 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Kaiser Senior Advantage for Medicare
Replies: 34
Views: 2535

Re: Anyone use Kaiser Senior Advantage for Medicare

but then a kaiser case manager can limit your access to services , or make it more difficult, 'managed inconvenience' I have the Kaiser Senior Advantage Medicare. This has not been my experience. What evidence so you have that services are limited or made more difficult? As far as I am concerned, I...
by kwan2
Thu Oct 27, 2016 12:41 am
Forum: Investing - Theory, News & General
Topic: Dr. Bill Bernstein Books
Replies: 40
Views: 3351

Re: Dr. Bill Bernstein Books

I blush. stemikger: you can get Four Pillars and Investors' Manifesto from almost any public library; you then have my permission to deploy an appropriately liberal interpretation of the doctrine of fair use reproduction. Best, and thanks for all the kind words! Bill 4 pillars is the BH Bible also ...
by kwan2
Thu Oct 27, 2016 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Anyone use Kaiser Senior Advantage for Medicare
Replies: 34
Views: 2535

Re: Anyone use Kaiser Senior Advantage for Medicare

seems like 1/2 of the folks I meet around the hospital, get confused anything saying "advantage" is like "part C" , a Medicare HMO, kaiser's version is 'senior advantage' ; so you don't really have medicare AND senior advantage, one is getting their medicare via an HMO, in this c...
by kwan2
Thu Oct 27, 2016 12:02 am
Forum: Personal Consumer Issues
Topic: How many have moved from California due to Cost of Living?
Replies: 108
Views: 10905

Re: How many have moved from California due to Cost of Living?

looks like this book which was amazingly detailed, went out of print 20 years ago, i studied it intensely, trying to figure out the puzzle of wage vs COL and the other intangibles https://www.amazon.com/Places-Rated-Almanac-Classic-Finding/dp/0979319900/ref=la_B000API1CO_1_1?s=books&ie=UTF8&...
by kwan2
Wed Oct 26, 2016 11:50 pm
Forum: Personal Consumer Issues
Topic: First time Maui vacation - where to stay?
Replies: 57
Views: 3891

Re: First time Maui vacation - where to stay?

Thanks everyone for the detailed responses! we finally made our bookings today at the Polynesian Shores Condo resort. Its slightly north of Kaanapalli, but within our budget. Most of the beach-side resorts in Kaanapali near to black rock were very much outside our budget. At $1,000 per family for 6...
by kwan2
Fri Oct 21, 2016 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Who do you trust when there's no one to trust? (and it involves trusts)
Replies: 47
Views: 3363

Re: Who do you trust when there's no one to trust? (and it involves trusts)

I'm in an awkward position and have to do some estate planning but do not have the usual circumstances. I am basically alone in the world, while this doesn't bother me much, it's posing legal challenges. I need to have a medical proxy which I can handle with my one friend (of 40 years) and I will m...
by kwan2
Thu Oct 20, 2016 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Trust Services
Replies: 23
Views: 3078

Re: Moving trusts to Vanguard.

can someone roughly summarize the offering & fee structure please? and maybe any experiences you've had with it? I am trying to open the link on their web site in two browsers and it isn't showing up :oops: ctreada: I have a friend who is trying to move a large amount of money, in several trust...
by kwan2
Thu Oct 20, 2016 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Who do you trust when there's no one to trust? (and it involves trusts)
Replies: 47
Views: 3363

Re: Who do you trust when there's no one to trust? (and it involves trusts)

I believe Vanguard might be a "competent corporate trustee" https://duckduckgo.com/?q=vanguard+trust+services&t=ffsb&ia=web You are the ideal candidate for a competent corporate trustee. I may be a bit biased having spent my life in the trust business but, quite simply, no one does...
by kwan2
Wed Oct 19, 2016 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: ACA and some Final Maturity EE savings bonds
Replies: 25
Views: 2160

Re: ACA and some Final Maturity EE savings bonds

Seems the "statute" to amend a 2009 has expired per the CPA who did the final 1040, and my father had purposely been deferring the interest. CPA did say that at DOD or so the beneficiary, has a choice to change the designation on ALL their savings bond(not seletively) to pay as you go on i...
by kwan2
Wed Oct 19, 2016 1:10 pm
Forum: Personal Consumer Issues
Topic: pro's and con's of closing/reopening amazon.com account?
Replies: 31
Views: 2580

Re: pro's and con's of closing/reopening amazon.com account?

someone must have done the math, that this changing the price up or down by 5 cents to 5 dollars, is not going to put someone off, that they won't buy something, if someone is tinkering with the price constantly. because that is often what I do, when the thing changes price, I usually take it out of...
by kwan2
Wed Sep 07, 2016 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: ACA and some Final Maturity EE savings bonds
Replies: 25
Views: 2160

Re: ACA and some Final Maturity EE savings bonds

yes, now that I think about it. I am going to ask the Trust Accountant, if we might revise the final 1041 or something, as there will be a very large chunk due in 10 years. I dont know if this type of deferred interest can be made part of the trust. or if 1041s can be revised, etc. but, I thank you ...
by kwan2
Tue Sep 06, 2016 6:12 pm
Forum: Personal Consumer Issues
Topic: pro's and con's of closing/reopening amazon.com account?
Replies: 31
Views: 2580

Re: pro's and con's of closing/reopening amazon.com account?

yes they do, further, they state they won't maintain their 'file' on you. it may be perfectly benign, even useful to have all your history at amazon, they told me it is for "security reasons", though no other sites seem to keep my history forever. just seems like a better policy to start o...
by kwan2
Tue Sep 06, 2016 5:41 pm
Forum: Personal Consumer Issues
Topic: pro's and con's of closing/reopening amazon.com account?
Replies: 31
Views: 2580

Re: pro's and con's of closing/reopening amazon.com account?

of course, they will 'know whom I am', as they have my name and address, when I buy anything. I just think it may be a bad idea to have a decade of purchase history 'in the cloud' , as a rule. and I've never heard an explanation of why things change by 5 cents to 5 dollars, while in my checkout bask...
by kwan2
Tue Sep 06, 2016 4:23 pm
Forum: Personal Consumer Issues
Topic: pro's and con's of closing/reopening amazon.com account?
Replies: 31
Views: 2580

pro's and con's of closing/reopening amazon.com account?

pro's and con's of closing/reopening amazon.com account? been using amazon since 2000 or so, and have a moderate number of order history stored, and large wishlist. i'm thinking it may be better to start over and get out of a "bubble" of whatever amazon knows about me, though they swear up...
by kwan2
Tue Sep 06, 2016 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: ACA and some Final Maturity EE savings bonds
Replies: 25
Views: 2160

Re: ACA and some Final Maturity EE savings bonds

seems like there are 2 factors. 1) is underpayment of premium (max penalty of the $1,250 or so); I think my plan is to just revert/maintain the ongoing under estimation, and deal with it, on the 1040 next year...... but, then there is 2) underpayment of withholding, or is w/h allowed on deferred sav...
by kwan2
Sat Sep 03, 2016 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: ACA and some Final Maturity EE savings bonds
Replies: 25
Views: 2160

Re: ACA and some Final Maturity EE savings bonds

re: HSA qualified HDHP I've had a "silver" plan all year. So, don't think that is gonna qualify as a 'HSA qualified HDHP' but, it sort of begs the question, if I have 'silver' all year, now I went and entered the new higher estimated earnings of some $43,000, they want me to 'pick a plan' ...
by kwan2
Sat Sep 03, 2016 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: ACA and some Final Maturity EE savings bonds
Replies: 25
Views: 2160

Re: ACA and some Final Maturity EE savings bonds

well, no the estate didn't pay taxes on the deferred EE savings bonds. :)

Mel Lindauer wrote:Check to see if the estate paid taxes on the accumulated interest. Long shot, but it's worth checking.
by kwan2
Sat Sep 03, 2016 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: ACA and some Final Maturity EE savings bonds
Replies: 25
Views: 2160

Re: ACA and some Final Maturity EE savings bonds

the 'principal' in the case of EE savings bonds is the 'denomination' or the 'price' or perhaps the 'value' at date of death, which in my father's case was early 2010 :( I thought with inherited bonds the value Is amount at death. How does this war with EE bonds? The principal value is marked to mar...
by kwan2
Sat Sep 03, 2016 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: ACA and some Final Maturity EE savings bonds
Replies: 25
Views: 2160

Re: ACA and some Final Maturity EE savings bonds

some things I know, but forgot. actually, since all my income is going to be "from investments" , I can't do a $6500 IRA contribution against "income" from salary/work, as don't have any/much ; one of those semi-early retirement puzzles.... will look into the HRD thing.. I am 50 ...
by kwan2
Fri Sep 02, 2016 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: ACA and some Final Maturity EE savings bonds
Replies: 25
Views: 2160

Re: ACA and some Final Maturity EE savings bonds

wonder if it makes any sense, to just buy new EE bonds instead of cashing out to my bank savings account, hmm.

inputted it all into hc.gov , i know only have a PTC of $50, but next year it will revert, I guess jan 2017 , i'll need to resubmit an estimate for 2017 or my normal lower income range
by kwan2
Fri Sep 02, 2016 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: ACA and some Final Maturity EE savings bonds
Replies: 25
Views: 2160

Re: ACA and some Final Maturity EE savings bonds

well, now that it is Sept 1, I guess I go over to healthcare.gov and claim the extra estimate of $43,500 9.5% of the $43,500, does come out about $340/month, whereas at present for a Silver plan I pay about $70 /month. Does this mean I should have been paying $340/month all year, and would/will get ...
by kwan2
Mon Aug 01, 2016 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: ACA and some Final Maturity EE savings bonds
Replies: 25
Views: 2160

Re: ACA and some Final Maturity EE savings bonds

ah, I guess having no choice, makes it easier. :( thx again
by kwan2
Mon Aug 01, 2016 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: ACA and some Final Maturity EE savings bonds
Replies: 25
Views: 2160

Re: ACA and some Final Maturity EE savings bonds

OK thats a good start, guess I forgot about it being the deferred interest only that was federally taxed. Does it make any sense, however, to defer, selling some of the bonds, till next year, assuming I will have the same baseline income for 2017 of MAGI $20,000 or so I recall reading about how up t...
by kwan2
Mon Aug 01, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: ACA and some Final Maturity EE savings bonds
Replies: 25
Views: 2160

ACA and some Final Maturity EE savings bonds

hello, I seem to have 5 EE Savings Bonds, I inherited , 3 are face value $1000/current value $2261, 2 are $5000/$11,306, they all say next interest date/final maturity date 09/2016. So, I think I should wait till 10/1/16 to make sure that I've received the final interest payment? 2nd part is, I curr...
by kwan2
Fri Jul 15, 2016 12:18 am
Forum: Personal Consumer Issues
Topic: when and why did news devolve in the # of ways/things "you" need style?
Replies: 2
Views: 521

when and why did news devolve in the # of ways/things "you" need style?

when and why did news devolve in the # of ways/things "you" need style?

even the NYT front page seems now infected.

i'm wondering what this writing style is called, and sort of praying it may go away in 9 ways, some day?
by kwan2
Thu May 26, 2016 3:55 pm
Forum: Personal Consumer Issues
Topic: gifting an iOS app without installing iTunes, is that possible?
Replies: 4
Views: 539

Re: gifting an iOS app without installing iTunes, is that possible?

hmm, not surprising I guess, to me there should still be an open system/store, non apple to buy apple related stuff/apps i actually hesitate to install itunes for just this one purpose, from doing it in the past, I'd rather keep my PC pristine from the bloatiness, or traces thereof. thanks though fo...
by kwan2
Thu May 26, 2016 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Need what to do advice for elderly relative w/ memory loss.
Replies: 20
Views: 2408

Re: Need what to do advice for elderly relative w/ memory loss.

sadly, I'd say when it comes to "self-neglect" and "competency", a person has to be pretty far advanced to have their "decisions" taking from them, no matter how bad their decisions may seem. end result: many folks do have to "crash" crucial would be if your P...
by kwan2
Tue May 24, 2016 6:01 pm
Forum: Personal Consumer Issues
Topic: gifting an iOS app without installing iTunes, is that possible?
Replies: 4
Views: 539

gifting an iOS app without installing iTunes, is that possible?

gifting an iOS app without installing iTunes, is that possible?

I just have android phone and a PC, I have a apple web account, but in no way do I want to install again iTunes on my PC.

so, am I stuck gifting iTunes gift cards, there is no way to gift an actual iOS app ?
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: 1439

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: 1439

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: 42
Views: 6422

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: 4670

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: 8326

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: 1630

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: 60683

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: 3300

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: 1826

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: 1826

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: 1826

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: 1826

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: 1826

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: 1826

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: 2390

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: 2071

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: 235

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: 2071

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: 235

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: 2071

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: 312

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...

Go to advanced search