Search found 331 matches

by kwan2
Mon Nov 09, 2015 4:44 pm
Forum: Personal Consumer Issues
Topic: Final Question on ACA/'obamacare" application 2015
Replies: 22
Views: 2607

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: 2607

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: 2607

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: 2607

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: 2607

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: 2607

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: 2607

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: 2607

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: 4768

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: 213

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: 4768

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: 4768

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: 4768

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: 4768

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: 4768

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: 4768

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: 2277

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: 341

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: 341

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: 13605

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: 13605

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: 4152

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: 13605

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: 1364

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: 1186

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: 970

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: 778

Re: 401K

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

https://www.bogleheads.org/wiki/Tax_loss_harvesting
by kwan2
Fri May 15, 2015 3:03 am
Forum: Investing - Help with Personal Investments
Topic: Data on 5498 does not match 1099-R
Replies: 8
Views: 1186

Re: Data on 5498 does not match 1099-R

you called VG, and what did they say?
by kwan2
Wed May 13, 2015 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: ACA start with Medicaid or "connector", private insurances?
Replies: 12
Views: 939

Re: ACA start with Medicaid or "connector", private insurances?

they allowed to change the application and the APTC designation, so now i'll pay $70 /month for a HMO; and each time, I make 10% (I guess $1800) , I'm supposed to call them, for some reason, they would not divulge the 3 CSR levels cutoff values, which I'm sure exist, and is presumably the reason I'm...
by kwan2
Sun May 10, 2015 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: ACA start with Medicaid or "connector", private insurances?
Replies: 12
Views: 939

Re: ACA start with Medicaid or "connector", private insurances?

believe it or not, my ACA office, seems unable to explain anything in this detail "It is very common. Note: You are obligated to report, within 30 days, any changes to guesstimated income >10%. Your subsidy and cost-sharing benefits may then be adjusted (up, down or gone) mid-year by your ACA o...
by kwan2
Sat May 09, 2015 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: ACA start with Medicaid or "connector", private insurances?
Replies: 12
Views: 939

Re: ACA start with Medicaid or "connector", private insurances?

I think at this stage, I'm wondering if there is a mechanism that the government uses via the IRS to re-capture any underpayment on my part for the CSRs ... ? I can see that reconciling premiums, should not be difficult , but don't understand the CSRs.. I really have no idea, how much work income I ...
by kwan2
Fri May 08, 2015 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: ACA start with Medicaid or "connector", private insurances?
Replies: 12
Views: 939

Re: ACA start with Medicaid or "connector", private insurances?

I'd get back the premium differences, but what about the copay's and deductibles, those are significant
by kwan2
Fri May 08, 2015 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: ACA start with Medicaid or "connector", private insurances?
Replies: 12
Views: 939

Re: ACA start with Medicaid or "connector", private insurances?

yes, makes sense to me, working in the industry, as I did. any clue on the other parts of this? i'm thinking of asking to reapply and start at CSR level 94 , and take the premium reductions as I go, though for the latter, I've no idea on pros/cons or for that matter, if I can even changed a submitte...
by kwan2
Fri May 08, 2015 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: ACA start with Medicaid or "connector", private insurances?
Replies: 12
Views: 939

ACA start with Medicaid or "connector", private insurances?

Hello, I'm looking at my predicted income for the year, based on my 2014 1040, if things were pretty much the same, and I added my January Income , I would be at $18,000 for the year, however, at the moment I just started as a per diem employee with my present employer, I took a trip down to our loc...
by kwan2
Tue May 05, 2015 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Inh.IRA RMD bond /fund choices for RMD ?
Replies: 4
Views: 383

Re: Inh.IRA RMD bond /fund choices for RMD ?

dale, nope just the RMD, nothing extra needed. but, just seems like a known thing, one of the few I have in my lifestyle, so perhaps, the money should be parked in a timeframe matching when needed, but prime money market, is 0.12% so ....... of course, my overall situation, could override a direct &...
by kwan2
Tue May 05, 2015 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Inh.IRA RMD bond /fund choices for RMD ?
Replies: 4
Views: 383

Inh.IRA RMD bond /fund choices for RMD ?

hello, currently in my inherited IRA, I have everything in VG int. term idx bond fund, duration of 6 ish, the VG short term idx fund is duration 2.7 or so, does it makes sense to direct my cap gain/dividends to the ST bond idx fund, knowing that i'm going to need to take an annual distribution far e...
by kwan2
Sun May 03, 2015 11:23 am
Forum: Personal Finance (Not Investing)
Topic: early retiree, ACA "obamacare" MAGI ? but which numbers ??
Replies: 26
Views: 4255

Re: early retiree, ACA "obamacare" MAGI ? but which numbers ??

hmm, thinking about it now, I think instead of looking for a "capital loss" section, i'll just do my own deduction of $3k from interest or dividends or something , not sure why was thinking so pedantically ...... btw, https://www.healthcare.gov/reporting-other-income/#capital-gains Capital...
by kwan2
Wed Apr 29, 2015 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: revising a living trust vs. new one..
Replies: 8
Views: 736

Re: revising a living trust vs. new one..

iirc, my thinking, is keeping the money in the trust for my sibling(should he outlive me), passing to his 1 son, (should he not), as I have no other heirs, I prefer to let a third party manage the assets, then my sibling and his current spouse, etc. .......so, I need a trust for that purpose ? any t...
by kwan2
Wed Apr 29, 2015 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: revising a living trust vs. new one..
Replies: 8
Views: 736

Re: revising a living trust vs. new one..

the trouble seems to be multi-fold, I just don't know what the future will hold, and how often I'll need to be updating a trust. esp. should I be overseas ex-pat (which itself would probably be a try and see situation). maybe I just just untitle everything again, and wait until I'm 80 or have some i...
by kwan2
Wed Apr 29, 2015 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: revising a living trust vs. new one..
Replies: 8
Views: 736

Re: revising a living trust vs. new one..

thanks for the replies. re: "That's the bad news. The good news is that a "new trust" does not require you to retitle trust assets. Instead the new trust is an amendment in full of the old trust, known as a restatement. It's better to have a fresh trust than a frankentrust, especially...
by kwan2
Mon Apr 27, 2015 11:46 am
Forum: Personal Finance (Not Investing)
Topic: revising a living trust vs. new one..
Replies: 8
Views: 736

revising a living trust vs. new one..

hello, i'm an early retiree, w/o property, but wanting to designate a 13 year old, to get a lump sum at age 35, a nephew, and keep the money in trust for brother, not his family. I made a trust with Nolo software, an older version, however the trust does NOT allow revision. my concern is there are s...
by kwan2
Thu Apr 09, 2015 12:06 am
Forum: Personal Finance (Not Investing)
Topic: early retiree, ACA "obamacare" MAGI ? but which numbers ??
Replies: 26
Views: 4255

Re: early retiree, ACA "obamacare" MAGI ? but which numbers

can one upload images to this forum, i took a screengrab or the lack of choices for a 'capital loss' , seems to have everything else but not that also for income there is captial gain , but does not allow negative numbers i plan of on calling them, but suspect they won't know what a capital loss is ...
by kwan2
Mon Apr 06, 2015 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: early retiree, ACA "obamacare" MAGI ? but which numbers ??
Replies: 26
Views: 4255

Re: early retiree, ACA "obamacare" MAGI ? but which numbers

.......this is what the ?Medicaid wants to know, no one can tell me anything at the exchanges, crazy. so for my $5,500 annual contribution to my IRA do I subtract it from "income" or "retirement account" same with capital loss, from which do I subtract it ? also what is a "d...
by kwan2
Sat Apr 04, 2015 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: early retiree, ACA "obamacare" MAGI ? but which numbers ??
Replies: 26
Views: 4255

Re: early retiree, ACA "obamacare" MAGI ? but which numbers

uh, so are there people who purposely tweak their income to be just OVER the cutoff to qualify for medicaid, in order that they DON'T have medicaid as their primary insurance? and reasons why / why not ? thanks
by kwan2
Fri Apr 03, 2015 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: early retiree, ACA "obamacare" MAGI ? but which numbers ??
Replies: 26
Views: 4255

Re: early retiree, ACA "obamacare" MAGI ? but which numbers

Usual wisdom in my state, Hawaii, or elsewhere IS medicaid is not good insurance, but I let the "navigator" /"kokua" in hawaii, tell me, that the new expanded medicaid, is not your old medicaid for the poor/can't find a doctor type. And insurance is "free" , so my aim h...
by kwan2
Fri Apr 03, 2015 7:06 am
Forum: Personal Finance (Not Investing)
Topic: early retiree, ACA "obamacare" MAGI ? but which numbers ??
Replies: 26
Views: 4255

Re: early retiree, ACA "obamacare" MAGI ? but which numbers

ok, great, helpful. I guess, my main question, is if I have capital loss carryovers, which I do, of $3000, can i subtract that from my "income" for the purposes of ACA ? I suppose inherited IRA RMDs , are going to be same as any RMD for the purposes of ACA? sorry am bit of 1040 simpleton r...
by kwan2
Thu Apr 02, 2015 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: early retiree, ACA "obamacare" MAGI ? but which numbers ??
Replies: 26
Views: 4255

early retiree, ACA "obamacare" MAGI ? but which numbers ??

Hello, I'm sure this is somewhere in the search engine, I did find somewhere it says that it is MAGI, not AGI that counts towards qualifying for medicaid then subsidies, if not medicaid eligible...... my state, Hawaii, is expanded medicaid, so I have a higher threshold, of about $17,000 to get medic...
by kwan2
Wed Mar 11, 2015 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax /?estimated taxes payments for 2015 ??
Replies: 18
Views: 1938

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

so, am I correct, that there may be situations, like with VG Inherited IRAs RMDs, where no State withholding is allowed, so one's ONLY option, is to pay estimated taxes ? this year for example, I'm anticipating that a good chunk of my taxable income is going to be IIRA RMDs, percentage wise, as look...

Go to advanced search