Search found 370 matches

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: 24
Views: 1889

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: 19
Views: 1064

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: 19
Views: 1064

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: 19
Views: 1064

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: 24
Views: 1889

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: 24
Views: 1889

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: 24
Views: 1889

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: 24
Views: 1889

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: 24
Views: 1889

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: 24
Views: 1889

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: 24
Views: 1889

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: 24
Views: 1889

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: 24
Views: 1889

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: 24
Views: 1889

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: 501

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: 521

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: 2368

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: 521

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: 1352

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: 1352

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: 6308

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: 4580

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: 8191

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: 1589

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: 59817

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: 3176

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: 1773

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: 1773

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: 1773

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: 1773

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: 1773

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: 1773

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: 2363

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: 1781

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: 232

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: 1781

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: 232

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: 1781

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: 303

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: 3217

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: 3217

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: 3217

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: 3217

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: 3217

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: 3217

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: 3217

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: 3217

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: 5344

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: 288

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...

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