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Pacific

I would have recommended Yergin's "The Prize" and Sampson's "The Seven Sisters", but you seem to be wanting more recent history.

Pacific

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.

Pacific

I would avoid France at all costs.

Pacific

If you are selling, isn't someone else buying?

Pacific

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...

Pacific

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 ...

Pacific

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...

Pacific

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...

Pacific

Had no problem logging in this morning or this afternoon.

Pacific

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).

Pacific

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?

Pacific

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...

Pacific

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 ...

Pacific

"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...

Pacific

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...

Pacific

"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...

Pacific

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.

Pacific

"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...

Pacific

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...

Pacific

Not to hijack this informative thread, but what happens with the basis if both Husband and Wife live overseas?

Pacific

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?

Pacific

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...

Pacific

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...

Pacific

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.

Pacific

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...

Pacific

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...

Pacific

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 ...

Pacific

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)

Pacific

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...

Pacific

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...

Pacific

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...

Pacific

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 ...

Pacific

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...

Pacific

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...

Pacific

...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 ...

Pacific

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...

Pacific

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...

Pacific

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 ...

Pacific

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 ...

Pacific

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...

Pacific

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...

Pacific

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-...

Pacific

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...

Pacific

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...

Pacific

Jeffrey Epstein?

Pacific

Summit111 wrote: ↑
Fri Jul 05, 2019 9:26 pm
Spy vs Spy

+1

Hilarious

Pacific

Maybe she works for Drew Brees' diamond broker?
https://www.forbes.com/sites/robertanaa ... 51f97466dc

Pacific

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.

Pacific

Have fun in the world's most expensive traffic jam.

Pacific

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

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