Search found 1300 matches

by Pacific
Sat Jan 25, 2020 5:32 am
Forum: Investing - Theory, News & General
Topic: Oil and Gas - Book recommendations
Replies: 14
Views: 902

Re: Oil and Gas - Book recommendations

I would have recommended Yergin's "The Prize" and Sampson's "The Seven Sisters", but you seem to be wanting more recent history.
by Pacific
Sat Jan 25, 2020 5:25 am
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 128
Views: 1097

Re: Happy Birthday Taylor! 96 years young!

Happy Birthday Taylor.

I learned much from you and Frank Armstrong on old Morningstar.

Glad you could step off the many roads to Dublin for the photo. :happy
by Pacific
Mon Jan 06, 2020 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Medical school at 34 - Is this financial suicide?
Replies: 116
Views: 9670

Re: Medical school at 34 - Is this financial suicide?

I have no comments for or against, but recommend you read these: https://www.forbes.com/sites/robertpearl/2019/07/08/physician-burnout-1/#4ae4ad80119e https://www.npr.org/sections/health-shots/2019/05/31/728334635/whats-doctor-burnout-costing-america https://www.thehappymd.com/blog/bid/295048/physic...
by Pacific
Fri Jan 03, 2020 11:23 pm
Forum: Personal Consumer Issues
Topic: Small Group Tour Operators in Japan & Vietnam/Cambodia
Replies: 14
Views: 644

Re: Small Group Tour Operators in Japan & Vietnam/Cambodia

Tauck is an excellent high-end tour company. For Vietnam-Cambodia, I would recommend, make that strongly recommend, the 13-day Uniworld Mekong River cruise. It was fantastic. You are not on the Mekong the entire time, as you also travel to -- on consecutive days -- the killing fields and then Angor ...
by Pacific
Wed Jan 01, 2020 3:06 pm
Forum: Personal Consumer Issues
Topic: New Zealand Train trip
Replies: 77
Views: 3498

Re: New Zealand Train trip

NZ trains are not worth the trouble. The network is very limited and you really don't want to bother staying in the cities that long anyways. I spent the last four months in New Zealand. Stick to a car. Most of what I have read about the trains has been very positive.What are the negatives? Other t...
by Pacific
Wed Jan 01, 2020 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Drops Agreement Not to Compete With TurboTax
Replies: 82
Views: 9492

Re: IRS Drops Agreement Not to Compete With TurboTax

Edit: More to the story. Intuit was/is involved. https://priceonomics.com/the-stanford-professor-who-fought-the-tax-lobby/ This article is fantastic and major kudos to this Stanford professor. I will no longer use Quicken after reading this. What a disgrace -- and what a disgrace that in order to b...
by Pacific
Sun Dec 29, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: Has anyone done Whole 30? [Diet]
Replies: 141
Views: 5488

Re: Has anyone done Whole 30?

Went on something similar to this and went from 175 to 160 in two weeks.

Biggest change for me (now at 4 months) was fasting from 8 pm to noon the following day. I never thought I could do this for even one day and was surprised how easy it was (is).
by Pacific
Tue Nov 26, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Two Factor Authentication ---Living Abroad
Replies: 58
Views: 2710

Re: Two Factor Authentication ---Living Abroad

mptfan wrote:
Tue Nov 26, 2019 4:20 pm
Pacific wrote:
Tue Nov 26, 2019 4:17 pm
I do not understand how Google Voice will be of use. Please explain.
Google Voice and Google Fi are different things. I do not have Google Fi, but I do have Google voice.
But, I still do not understand how google voice works. How can it send a text to my foreign number?
by Pacific
Tue Nov 26, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Two Factor Authentication ---Living Abroad
Replies: 58
Views: 2710

Re: Two Factor Authentication ---Living Abroad

When abroad for sites that require SMS-based 2FA just use a Google Voice number. I haven’t had any issues with this at a number of financial institutions but I have heard some people have. The good thing is you can set it up and try it out now, for free, so you can easily evaluate how well it works...
by Pacific
Fri Nov 22, 2019 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Help: Husband's Surprise Debts
Replies: 183
Views: 19402

Re: Help: Husband's Surprise Debts

5. Although he has prepared and filed taxes every year, he hasn't paid taxes owed each year, so apparently there has been a running tab with the IRS since 2012. (I opened a recent IRS statement and discovered it.) His income fluctuates year-to-year and he found himself in a big hole (he says) when ...
by Pacific
Fri Nov 22, 2019 2:47 am
Forum: Personal Finance (Not Investing)
Topic: Help: Husband's Surprise Debts
Replies: 183
Views: 19402

Re: Help: Husband's Surprise Debts

"He also tapped our HELOC, without telling me, maxing it out at $80k." I'm not sure I understand this. Was he the sole signatory on the account holding the $$? Also, do you need the home or could you downsize to a condo? Something is missing here because there is no explanation of the purpose of him...
by Pacific
Fri Nov 08, 2019 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Where to find social security deductions
Replies: 10
Views: 945

Re: Where to find social security deductions

My understanding is that 85% of your gross SS benefit (total income over $34k for an individual or $44k for a married couple) is included in your modified adjusted gross income (MAGI) amount to determine your IRMAA. I believe no SS income or 50% of SS is taxable for very low income Federal tax file...
by Pacific
Fri Nov 08, 2019 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Where to find social security deductions
Replies: 10
Views: 945

Re: Where to find social security deductions

"Social Security income includes retirement, survivor benefits, and disability payments. For the most part, only taxable sources of income count in determining household MAGI-based income. However, all Social Security income of tax filers is counted, regardless of whether it is taxable or not. " ht...
by Pacific
Fri Nov 08, 2019 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Where to find social security deductions
Replies: 10
Views: 945

Re: Where to find social security deductions

cheese_breath wrote:
Thu Nov 07, 2019 6:26 pm
Here's a thread I started last month I think you'll find helpful.

viewtopic.php?t=292267
I had already read that at the time. Now I need to figure out (or FIND on a website) how much I have had them deduct each month in taxes.
by Pacific
Fri Nov 08, 2019 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Where to find social security deductions
Replies: 10
Views: 945

Re: Where to find social security deductions

"Social Security income includes retirement, survivor benefits, and disability payments. For the most part, only taxable sources of income count in determining household MAGI-based income. However, all Social Security income of tax filers is counted, regardless of whether it is taxable or not. " ht...
by Pacific
Thu Nov 07, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find social security deductions
Replies: 10
Views: 945

Where to find social security deductions

I am trying to keep under a certain IRMAA tier with my 2019 income. In this regard, I am pretty sure that I have to use my gross social security retirement benefits as my income rather than my net benefits. On the my Social Security website it lists my gross, but I am unable to find what the various...
by Pacific
Thu Nov 07, 2019 2:14 am
Forum: Investing - Theory, News & General
Topic: Cost basis step up on death of spouse?
Replies: 43
Views: 3029

Re: Cost basis step up on death of spouse?

Not to hijack this informative thread, but what happens with the basis if both Husband and Wife live overseas?
by Pacific
Fri Nov 01, 2019 3:05 am
Forum: Personal Consumer Issues
Topic: South Pacific Travel (Bora Bora, Moorea, Society Islands)
Replies: 12
Views: 1909

Re: South Pacific Travel (Bora Bora, Moorea, Society Islands)

fortfun wrote:
Tue Oct 29, 2019 6:50 pm
A friend of mine says this is the best travel site/forum for that region:
https://www.travelfish.org/
Burma, Cambodia, Indonesia, Laos, Malaysia, Singapore, Thailand, and Vietnam are in that region?
by Pacific
Tue Oct 22, 2019 2:04 am
Forum: Personal Finance (Not Investing)
Topic: Tax on Inheritance by U.S. Citizen from Canadian Resident - Section 2801
Replies: 27
Views: 2196

Re: Tax on Inheritance by U.S. Citizen from Canadian Resident - Section 2801

TedSwippet, I just want to thank you for your numerous thoughtful contributions to this forum. I almost always read anything that you or Bruce Steiner post as it is always much more informative than were my classes in law school. I would love to employ a law firm such as Swippet & Steiner (or, Stei...
by Pacific
Mon Oct 21, 2019 3:55 am
Forum: Personal Finance (Not Investing)
Topic: Tax on Inheritance by U.S. Citizen from Canadian Resident - Section 2801
Replies: 27
Views: 2196

Re: Tax on Inheritance by U.S. Citizen from Canadian Resident - Section 2801

TedSwippet, I just want to thank you for your numerous thoughtful contributions to this forum. I almost always read anything that you or Bruce Steiner post as it is always much more informative than were my classes in law school. I would love to employ a law firm such as Swippet & Steiner (or, Stein...
by Pacific
Thu Oct 17, 2019 1:17 am
Forum: Personal Finance (Not Investing)
Topic: How to avoid Medicare IRMAA Surcharge
Replies: 72
Views: 6087

Re: How to avoid Medicare IRMAA

retiredjg wrote:
Sun Oct 06, 2019 5:54 pm
The MAGI for IRMAA is defined as your total adjusted gross income and tax-exempt interest income..
Incorrect. Coming from someone who unfortunately discovered that it also includes adding back the foreign earned income exclusion.
by Pacific
Tue Oct 15, 2019 9:03 pm
Forum: Personal Consumer Issues
Topic: Why are Mazda CX-5’s sales so much less than other brands?
Replies: 69
Views: 8408

Re: Why are Mazda CX-5’s sales so much less than other brands?

I very much enjoyed my first Mazda and got a second one many years ago. It's still going strong. It is a smaller brand, as others have said, but if I had to buy another car today, it'd likely be a Mazda CX-5. Maybe a CX-7 if I'm feeling spendy. I think you mean the Mazda CX-9. The CX-7 was disconti...
by Pacific
Mon Oct 07, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance plan doesn't have a qualified specialist doctor in-network. What should we do?
Replies: 16
Views: 1568

Re: Health insurance plan doesn't have a qualified specialist doctor in-network. What should we do?

Sure. Offer to settle for cash or use a surgeon at Oklahoma Surgery Center https://surgerycenterok.com/ where all prices are posted on menu. You can also take a flight to a top notch surgical facility overseas at a fraction of the cost in USA. We do medical travel regularly and pay just pennies ann...
by Pacific
Sun Oct 06, 2019 3:57 am
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 9228

Re: Humana Part D - ILLINOIS - premiums up up up

My 2019 Humana Walmart Rx Plan ($29.90) is being replaced in 2020 with the new Humana Premier Rx Plan ($64.50). However, there is also a new Humana Walmart Value Rx Plan that costs only $13.20. I have no details at present but would guess that the Formulary is more restricted. I was able to access ...
by Pacific
Sun Oct 06, 2019 3:48 am
Forum: Personal Finance (Not Investing)
Topic: More Nasty and Unexpected Changes With Part D Plans Next Year
Replies: 49
Views: 6182

Re: More Nasty and Unexpected Changes With Part D Plans Next Year

The zip code search box is a fiasco. According to the site, my favorite Costco Pharmacy no longer exists. There is no way to add it. Unbelievable. (or maybe not)
by Pacific
Sat Oct 05, 2019 11:28 pm
Forum: Personal Consumer Issues
Topic: 2 Factor Authorization failures
Replies: 22
Views: 2155

Re: 2 Factor Authorization failures

My U.S. cell uses Google's Project Fi Go here and set up your laptop to be able to send and receive text messages. Thanks! I set this all up and then realized that it probably won't work because when I leave the U.S. for country of work, I suspend Project Fi to save the monthly fee! I guess if I ca...
by Pacific
Sat Oct 05, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: 2 Factor Authorization failures
Replies: 22
Views: 2155

Re: 2 Factor Authorization failures

Well, I've had the same, if not a similar, type of problem. I spend summers up in northern MI, on Lake Superior, at my cottage, where I use a landline inasmuch as cell phones just do not work----yet, down in Arizona, a cell phone is all I have and use----no landline. I'm forever having to go back a...
by Pacific
Sat Oct 05, 2019 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank canceling credit cards??
Replies: 29
Views: 4923

Re: Chase Bank canceling credit cards??

Worth the effort to call and check. Banks have been known to make mistakes in their records. He called, told them he was a US citizen, and asked for the reason. They refused to give a reason. He asked to speak with a supervisor. They refused. I already shared all of these comments and he is now scr...
by Pacific
Sat Oct 05, 2019 4:04 am
Forum: Personal Consumer Issues
Topic: 2 Factor Authorization failures
Replies: 22
Views: 2155

Re: 2 Factor Authorization failures

are now sending texts to my U.S. cell number (which, of course, does not work in my location in which I must use a separate sim card). Buy a second phone and put your US SIM card in it. Then you can receive SMS messages from your bank. A Nokia 105 costs $15 and there are other brands that are even ...
by Pacific
Sat Oct 05, 2019 12:21 am
Forum: Personal Consumer Issues
Topic: 2 Factor Authorization failures
Replies: 22
Views: 2155

2 Factor Authorization failures

Within the last 4 days I have suddenly been unable to access my either my bank account or my insurance account (different companies). I am working outside of the U.S. These companies always sent me a numeric code to my email address after I logged in my username and password on their sites. Just thi...
by Pacific
Thu Oct 03, 2019 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank canceling credit cards??
Replies: 29
Views: 4923

Re: Chase Bank canceling credit cards??

Worth the effort to call and check. Banks have been known to make mistakes in their records. He called, told them he was a US citizen, and asked for the reason. They refused to give a reason. He asked to speak with a supervisor. They refused. I already shared all of these comments and he is now scr...
by Pacific
Thu Oct 03, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank canceling credit cards??
Replies: 29
Views: 4923

Re: Chase Bank canceling credit cards??

...current or former non-U.S. officials, their immediate families or close associates... Implies to me that Chase believes this person is a non-U.S. government official or similar (perhaps a diplomat) or family or close associate of one. If this person is considered a diplomat, it may be difficult ...
by Pacific
Thu Oct 03, 2019 4:08 am
Forum: Personal Finance (Not Investing)
Topic: Chase Bank canceling credit cards??
Replies: 29
Views: 4923

Re: Chase Bank canceling credit cards??

Here is the exact language: “After careful consideration, we have decided we will no longer offer personal and business banking account to current or former non-U.S. officials, their immediate families or close associates” Again, this is a U.S. citizen and it is not a bank account but a long-time Ch...
by Pacific
Thu Oct 03, 2019 4:05 am
Forum: Personal Finance (Not Investing)
Topic: Chase Bank canceling credit cards??
Replies: 29
Views: 4923

Chase Bank canceling credit cards??

My friend just received a letter today from Chase Bank informing him that as of October 15 he will no longer be allowed to use his Chase/United Mileage Plus Credit Card (which he has had for over 15 years). The reason given was that Chase is no longer allowing "non-U.S. current or former officials o...
by Pacific
Sat Sep 28, 2019 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 9228

Re: Humana Part D - ILLINOIS - premiums up up up

Arizona Humana-Walmart. Just received notice that monthly premiums going from $26.32 to $55.32. I called and they told me that they have "changed" the plan to some kind of "Premier" plan (which ALSO raised the deductibles). Lady said that only advantage is that some Tier 3 drugs will be less (but I ...
by Pacific
Sat Aug 17, 2019 9:21 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1661
Views: 184646

Re: Why is "The Americans" on the Bogleheads Amazon list?

couldn't even get past the first episode of that show. Too bad. One of the best TV shows ever. +1 +1. I couldn't get past the first episode of The Wire... but i forced myself to watch a couple episodes on a recommendation. It ended up being the best series I've seen, The Wire that is. Americans is ...
by Pacific
Tue Jul 30, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Hawaii in August
Replies: 31
Views: 2871

Re: Hawaii in August

Waikaloa seems like a good spot for that. If you like little explorations, go to Waimea (aka Kamuela) for a visit and then over the mountain road to the delightful little town of Hawi. We like to relax and take our own sweet time to see things on vacations. If that means we miss some must see touri...
by Pacific
Tue Jul 30, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Hawaii in August
Replies: 31
Views: 2871

Re: Hawaii in August

It is hot. Oahu traffic congestion does not help. The Windward side of Oahu is a bit cooler as long as the trades are blowing, but what is on the windward side is more traffic and congestion. Oahu's congestion, traffic, high costs, and a "hassle" to go anywhere and do things because of the high pop...
by Pacific
Fri Jul 19, 2019 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Article: Safe Deposit Boxes Aren't Safe
Replies: 96
Views: 9328

Re: Safe Deposit Boxes Aren't Safe

Sure, there are occasions, but there is risk with virtually all things financial or asset related. This one is of no concern, though it may be to others. Sounds like about as likely to occur as a shark bite. Tim https://wtvr.com/2019/07/18/melissa-chase-shark-bite/ https://abcnews.go.com/US/boater-...
by Pacific
Fri Jul 19, 2019 3:00 am
Forum: Personal Consumer Issues
Topic: Trans-Atlantic Flight Delayed 12 Hours
Replies: 67
Views: 5180

Re: Trans-Atlantic Flight Delayed 12 Hours

Situations like this are why travel insurance is recommended. Did you buy any that covers delayed/missed flights? +1 This is a no-brainer. I was on a high end land tour - Classic Italy - last year with Tauck. There was a wonderful welcoming dinner the very first night at a beautiful hotel in Sorren...
by Pacific
Tue Jul 09, 2019 5:01 pm
Forum: Personal Investments
Topic: 5 fund to 3
Replies: 15
Views: 1707

Re: 5 fund to 3

Seeking advice. Wanting to go from 5 to 3 fund, or TDF. Currently have: VTSAX VGTSX VBTLX VSMAX VIMAX I tilted with the small and midCap but want to simplify my portfolio and was wanting to loose VIMAX and VSMAX. What’s the best way to go about? Thanks in advance! What kind of capital gains are you...
by Pacific
Mon Jul 08, 2019 9:01 pm
Forum: Personal Investments
Topic: Anyone here investing in Prison REITs?
Replies: 30
Views: 3073

Re: Anyone here investing in Prison REITs?

Jeffrey Epstein?
by Pacific
Fri Jul 05, 2019 9:45 pm
Forum: Personal Consumer Issues
Topic: No more print Mad magazine
Replies: 31
Views: 2613

Re: No more print Mad magazine

Summit111 wrote:
Fri Jul 05, 2019 9:26 pm
Spy vs Spy😎
+1

Hilarious
by Pacific
Tue Jul 02, 2019 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance excessive price increase -upset!
Replies: 171
Views: 13458

Re: Long term care insurance excessive price increase -upset!

Same thing happened to me with Northwestern Mutual. However, about a year before they increased the premium by 25%, they notified me that a premium increase was likely in the next year. They gave me 3 or 4 choices. I chose to simply stop paying.
by Pacific
Tue Jun 25, 2019 2:01 am
Forum: Personal Consumer Issues
Topic: Help with Oahu Hotels
Replies: 12
Views: 1352

Re: Help with Oahu Hotels

Have fun in the world's most expensive traffic jam. :happy
by Pacific
Mon Jun 24, 2019 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 5138

Re: Triage in ER - charged $790

There is a long thread by the well known poster, "White Coat Investor" who is an emergency room doctor which is titled "How to Minimize Your Emergency Care Expenses". If you have not seen that you should read at least the first post. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=238610 +1000