Monday, May 01, 2017

Bluetooth Audio

Jabra Elite 65t 2018 5.0
Apple AirPods 3 2021 5.0

What You Might Not Know About Bluetooth, Sound Quality, and aptX - Reasons Why Bluetooth Can Reduce Audio Quality

Can aptX give you better sound over Bluetooth? - CNET MP3, AAC, HE-ACC, A2DP SBC (Low Complexity Subband Coding)

Qualcomm CSR AptX HD, Low Latency

Apple iPhone MacOSX Bluetooth Explorer AAC AptX
AirPods AAC

Sony LDAC

Open Interface North America Qualcomm OINA SOUNDabout lossless

Saturday, April 29, 2017

Browser Benchmarks

Best web browsers 2018: Chrome, Edge, Firefox, and Opera go head-to-head
Chrome > Opera > Firefox > Edge
On Mac: Safari >> Chrome > Firefoxmemory (ram), cpu (energy, battery)

What's the fastest Linux web browsers?

WebXPRT benchmark Firefox
Speedometer WebKit/Safari Chrome

SunSpider Safari
JetStream Safari
Kraken JavaScript Mozilla
Octane Google Chrome

Monday, March 06, 2017

Magazine Online

Research by A-Z List

Santa Clara County Library SCCL scclib Research: News Magazines  Consumer Reports, Dragon Source (Chinese Magazines), 音樂愛好者 Music Lover, MedlinePlus, Nature, New York Times (dnyuz DNYUZ),
Zinio / RBDigital: National Geographic
PressReader: San Jose Mercury News, World Journal
Flipster: TIME, Consumer Reports
HyRead: Traditional Chinese eBooks, eMagazines

Online Learning Courses:
Lynda  LinkedIn Learning Online advanced Photoshop, languages, Certificates of Completion: 
  Project Management Institute PMI 
  Certified Analytics Professional (CAP)Certified Analytics, Operation Research, Management Science.  
Treehouse web design, coding, Photoshop Foundations
Universal Class Continuing education unit 

School Resources
Biography in Context
Opposing Viewpoints in Context
U.S. History in Context 
World History in Context

Music & Movies
= Alexander Street (Classical Music Library)
= Freegal Music,
= Medici.tv: Concerts, Operas, and Ballets Live and On Demand
= Kanopy

PressReader newspapers $29.95, World Journal 世界日報, Global Views 遠見

Online/Web/iPhone Android Magazine Reader:
Zinio for Libraries CommonWealth Magazine 天下雜誌, Supertaste 食尚玩家, PC Home, Next Magazine 壹週刊
Z-Pass 6 for $5/month
Zinio Unlimited not in the U.S.A


Flipster: TIME, Consumer Reports

HyRead: Traditional Chinese eBooks, eMagazines
Kono for Library: Palo Alto, Taiwanese, Japanese

Safari Books Online, InstaFlix, medici.tx (classical music), freegal music, Zenio for libraries magazines

Magzter Gold 5000+, international, unlimited $99/year, no top/popular, top free magazine, This Month in Taiwan, Where San Francisco

Readly $10/month

Readr iPad App $10/month PixelMags

Texture 200+, $10/month including weekly magazines, (formally Next Issue Media), Condé Nast, Hearst, Meredith, News Corp., Rogers Communications, and Time Inc

'Netflix for Magazines’ Services Explain Why They’re Not Doomed
Digital Subscription Services Disrupt Traditional Print Advertising
Magzter Unveils Unlimited Digital Magazine Subscription Platform
To aggregate or not to aggregate? That is NOT the question
Digital Subscription Services Disrupt Traditional Print Advertising

Saturday, February 25, 2017

Social Security




SSN SSA 
Social Security Survivor Benefits – The Rules
Social Security Survivor Benefits for the death a Spouse 
Social Security: The Survivor Benefit, Simplified 
寡婦領遺夫福利 如何選擇較高金額 

Survivors Planner: How Much Would Your Benefit Be? survival benefit
remarry after 60
Formula for Family Maximum Benefit 3394
$1411 / 75% = $1881
 
Social Security Benefit Amounts For The Surviving Spouse 
 rate 28.5/7 = 4.07%/year amount increase
           do this if live less than this age 
60  71.5%  x+7 78.56 $1345 
61  75.57% x+6 80.56 
62  79.64% x+5 82.56 
63  83.71% x+4 84.56 
64  87.79% x+3 86.56 
65  91.86% x+2 88.56 
66  95.93% x+1 90.56 
67 100.0%            $1881 
               84.96 average life expectancy 

Income exempt limit, working during retirement (Exempt Amounts Under The Earnings Test) $17640

Maximize benefit: begin at 60 or full retirement age and switch to below at 70 

2024 survivor 60 $2796 67 $3911 70 $4873 
     self     62 $2710 67 $3911 70 $4873 

===================================================
To do: 
Morgan Stanley advisorsWealth Management CashPlus engagement bonus for American Express Platinum card, Virtual advisor $100,000, Commissions and Fees 
* Living trust (not quitclaim deed) 
* Life insurance, term, permanent: whole, universal, variable universalIUL indexed universal life (level, not increasing, death benefit) to borrow, coverage, care, credit, 5-in-1, Loan (traditional or wash 0%, participating or index with interest) instead of withdraw from surrender value. Living benefits: terminal, critical, and chronic illness.  
* Annuity to maximize cash flow and less estate. Best from Roth. Indexed. cash value interest rate 1% + initial 35%-47% bonus with indexed growth (participating rate, cap rate), fixed cash out rate 7% 
* Long term care insurance: standalone, life insurance + rider (older) [reimbursement/indemnity $460/day per diem limit no tax], LI + 2x discount withdraw (saving), LTC + death benefit (older), annuity + LTC 2x enhancement/income until no cash value (for old people).  2 of 6 activities of daily living ADLs, bathing, dressing, eating, toileting, transferring, continence; and maybe in confinement for 60 or 90 days.  
* mega backdoor Roth IRA,  Mega backdoor Roth 
NNN lease triple net lease property, IRS Enrolled agent EA Class
===================================================
Living Trust: owner of house, beneficiary of life insurance, annuity, but not retirement plans (stretch Roth IRA to withdraw at 10th year). LT配保險信託,LT變不可撤銷信託,LT變朝代信託+私人基金會 
Life insurance without estate tax, be insured 被保人,not applicant 要保人 
Out-of-state triple net property 1031 step-up cost basis 
Estate Planning, Living Trust, inheritance, inherit, joint tenancy with right of survivorship 
Revocatible Living Trust asset management to avoid probate, Grantor 創辦人,Trustee 管理人,Beneficiary 擁有人.  Trustee service law firm 0.3-0.5% in no-state tax + wealth management.  split into two, how to withdraw money, executor 執行人 of other assets not in the trust, 授權人,medical power of attorney 醫療代理人,
Irrevocable living trust, California 90 years, Nevada 720 years, Delaware, Wyoming forever dynasty trust. HEMS health education maintenance support 
Estate tax 2026 15Mx2, estates of decedents survived by a spouse may elect to pass any of the decedent's unused exemption to the surviving spouse. This election is made on a timely filed estate tax return for the decedent with a surviving spouse. Note that simplified valuation provisions apply for those estates without a filing requirement absent the portability election. ILIT irrevocable life insurance trust, second-to-die, joint survivorship. Estate tax is better than capital gain tax.   Washington estate tax 14-20% above 3M

===================================================
Retirement Planner: Benefits, Retire Early bridge with 401k (mid 2028 59½) 
Delayed Retirement Credits 
Medicare end of 2033, 65 yrs, limit age 63 year income to prevent IRMAA surcharge

If retired with no job before 65: 
* Roth IRA conversion after retirement and before 73 years on 4/1 to prevent or minimize RMD (required minimum distribution) QLAC qualified longevity annuity contracts 
* sale stocks with married filing jointly standard deduction $31k + 0% Long-term capital gain tax rate if income < $97k.  
* Roth conversion until 62, limit 63 to lower IRMAA ($200k
* sale California house / or keep until inheritance for step-up in cost basis to fair market value FMV 
* buy a house near Seattle and move to Washington (Long-term capital gains tax 7%, deduction 270k) 
* buy a house in Taipei and move to Taiwan for health insurance before Medicare 

35 top earning years to get maximum benefit, 1997-end of 2031, 63 yrs old. Maximize PIA (primary insurance amount) for better spousal benefit (50% of PIA), survivor benefit (spouse: 100% of PIA, young children: 75% of PIA) maximum about 2xPIA 

yr  pct yr past 70

            start if live less than this age
------------------
62  70% x+8  74.67
63  76% x+7  76.67
64  82% x+6  78.67
65  88% x+5  80.67
66  94% x+4  82.67
67 100% x+3  80.5
68 108% x+2  82.5
69 116% x+1  84.5
70 124% x

Children health insurance until turning 26, 10/2027(58), 4/2030(61.5) 
Graduate from college, 5/2023 (54), 5/2026 (57)
Leaving home, 9/2019 (50), 9/2022 (53)

COLA Cost-of-Living Adjustments, CPI-W graph
CPI over the years Consumer Price Index, graph/chart 

Reverse mortgage逆按揭 不動產逆向抵押貸款 以房養老

Sunday, February 19, 2017

ebook reader

Windows ePub viewer
Sumatra PDF
FBReader too simple
STDU Viewer Chinese problem
Adobe Digital Editions Chinese fonts display issue

Saturday, January 21, 2017

Dessert wine

Wine Folly: Five Types of Dessert Wine Sparkling, Lightly Sweet, Richly Sweet, Sweet Red, Fortified 

Moscato d'Asti sweet sparkling 

Apéritif and digestif 餐前酒和餐後酒 beverages liquor before and after a meal 

aperitif: vermouth (Italy), dry champagne, gin (jin juniper France), anisette, dry sherry

digestif: brandy, sweet fortified wine, liqueur 
Kräuterlikör (herbal liqueur, spiced liqueur, half-bitters) German, Jagermeister 1934, Benedictine 1863, Chartreuse 1764 French, Amaro Italian 
Cordial (medicine)liqueur law plant material + 2.5% sugar 
Anise liqueurs and spiritsAbsinthe (Ouzo effect/louche effect/spontaneous emulsification cloud), Absinthiana absinthe bubble glass + slotted spoon/grill sugar cube, Jeppson's Malört low in Thujone (sage oil

Dessert wine sweet 

Fortified wine 

Madeira (Portuguese Madeira Islands) dry secco/semisecco/sweet, estufagem heat aging 

From Italy 
Marsala (Sicily) 
Vermouth (Turin) dry/sweet wormwoodCarpano Antica FormulaCinzano 

From Spain 
Sherry (Jerez) (Solera aging system 索雷拉陳釀系統) dry: Fino flor yeast, AmontilladoOlorosoPalo Cortado, sweet: Pedro Ximénez 

Straw wine raisin 
Italian Passito: Vin Santo 
Tablas Creek Sweet Wines Vin de Paille 

Eiswein Riesling grape 

Noble rot 貴腐酒 rotton 
*Tokaji (Tokay) Hungary/Slovakia, 3-6 Puttonyos Aszú, Eszencia
*Sauternes Sémillon grapes (Graves of Bordeaux wine regionFirst Growth Premier Cru Supérieur Château d'YquemPremier Cru2nd Grand Cru of 1855 

Mead honey 
Cider apple fruit juice 


健康酒 - 薬用酒 第二類医薬品 養命酒 1602 1923 14%陶陶酒 1690 1942 12% 29% 
Herbal liqueurs - Chartreuse 1764, green 55% 1840 (search iba Last word, Naked and famous - yellow), Bénédictine 1863 40% (Singapore sling), Jagermeister 1934 35% 

Taiwan Beverage Alcohol Winery Vinyard 
台灣葡萄酒化弱點為強項 黑后 - 佳美 Gamay 
威石東 Weightstone Musann Blanc 木杉; 金香, 黑后氣泡酒, 小威石東: 巨峰, 蜜紅, 埔鹽, 南投埔里, Napa Sparkling Wine 


 

Wednesday, January 18, 2017

Microsoft Windows Software to be installed 2017

7-zip
Adobe Acrobat Reader DC
Google Chrome with add-ons
iTunes
LINE
Microsoft Office 365
Mozilla Firefox
Use built-in antivirus
Grammarly and extension
Zoom
Spotify

Edge browser extensions add-on: uBlock Origin, Mouse Gestures, Translator, Office Online, EBates
Google Chrome Extensions: Privacy Badger or Disconnect, uBlock Origin, HTTPS Everywhere, Empty New Tab Page, Fontface Ninja, Facebook Unseen Protector, Ebates

Windows Region and Language

Sunday, January 15, 2017

Apple Fruit

Know your apples: The spectrum of apple flavors sweet to tart, Fuji, Gala, Red Delicious, Honey Crisp, Pink Lady, Granny Smith

Apple varieties: Eating fresh: Honeycrisp (eating, juice), Jazz (sauce), Gala (eating, sauce), Fuji (eating, sauce)

Adam's Apples Ratings

Apple varieties (Orange Pippin): highest ranked, most voted

Beyond the Honeycrisp Apple
Cosmic Crisp
Kanzi Apple, (Gala x Braeburn) Jazz. vs. Kanzi smackdown (Adam's Apples), Jazz is better

国际果蔬报道 Produce Report 苹果 

Friday, December 30, 2016

Flash Upgrade Nexus Android Devices

 Android phone firmware

1. Install Windows portable Minimal ADB and Fastboot, Unzip and run MAF32
2. Enable Android Debug Bridge abd debugging on device,  Settings > About phone and tap Build number seven times. Return to the previous screen to find Developer options at the bottom.
3. Booting into fastboot mode fastboot oem unlock
4. download Official Android Images and unzip it, copy ADB files to it and run flash-all

XDA-developers forum
Nexus 6 shamu googleLineage OS
Nexus 9 volantis
Nexus 5 hammerheadAOKP (popular), AICPAOSP, LineageOS 
Nexus 4 occam
Nexus 7 Mobile nakasig
Le Max 2

LineageOS (CyanogenMod)

Improve battery life with Xposed, Amplify and Greenify – Android customization
Extreme Battery Life Thread (Greenify+Amplify+Power Nap)

Wednesday, December 28, 2016

High yield savings account

Bankrate best savings rate, rate post intro, minimal deposit
Magnify Money Best of Online Savings Accounts
Money Rates

GS Bank Goldman Sachs, savings, no ATM
Synchrony Bank GE financial, savings, ATM
Ally Bank savings, ATM, checking
Barclays savings, no ATM
Discover savings, ATM, checking

Tuesday, December 06, 2016

Windows DNS setting

Control Panel > Network and Internet > Network Connections > Wi-Fi > Properties > Networking > Internet Protocol Version 4 > Properties > Use the following DNS server addresses

Wednesday, November 30, 2016

Carbonated mineral water


Perrier 1898, French bought be Nestle in 1992 
Volvic 1922, Danone

San Pellegrino 1932, sanpellegrino S.Pellegrino sparkling Italian, bought by Perrier in 1997

Mineral water
Carbonated water soda
Spring springwater

Eradicated Disease

Eradication of infectious diseases
Smallpox 天花

Almost:
Polio 小兒麻痺症

Not yet:
Malaria 瘧疾
Measles 麻疹
Rubella 德國麻疹

Sunday, November 13, 2016

TPN

Total parenteral nutrition

Calculating Parenteral Feedings
30-50 cc/kg
protein, amino acids: 1.2 g/kg
calories: 15, 25-30, 35 kcal/kg
lipids dextrose ratio

TPN Macronutrient Calculator
1. protein 1.2g/kg
2. 15 kcal/kg
3. total volume 1200 ml
percent goal 100%
osmolarity
glucose infusion rate

43.5kg 96lb Basil Metabolic Rate
1. 1008 kcal, Mufflin St Jeor My fitness pal
2. 1127 kcal, Revised Harris-Benedict Global RPh
3. 1138 kcal, Harris-Benedict BMR Calculator
4. 1209 kcal, Sedentary VeryWell

15kcal/kg, amino acid, 1.2 g/kg = 51g 1250ml Clinisol, dextrose 120g = 612 cal
19kcal/kg, protein 1.5g/kg = 68g amino acid 1600ml Clinimix E, 160g dextrose = 810 cal
2000 ml Clinimix 200g (680kcal) dextrose + 85g (340kcal) amino acid = 1020 cal

Saturday, November 05, 2016

Order of Christian Funerals

Catholic Cemeteries of the Diocese of San Jose

Bay Area Funeral Consumers Association, Catholics and Death
Low Cost Funerals

Catholic Funeral Homes
Beddingfield Funeral Servicemap, Casketsprice
Lima & Campagna Mortuary, map,
Alameda Family Funeral & Cremationmap, price 

Trappist Caskets, Memorial Tree $2575
Abbey Caskets $2350
Mount Michael Abbey Caskets
Saint Joseph Abbey Woodwork local Louisiana

Star Legacy Wood Caskets poplar $1649, cherry $2850, Walmart Star Legacy Cherry Extraordinaire Casket $2460

The Casket Outlet solid cherry wood $2588
Santa Clara - Mountain View Funeral & Cremation Service (The Casket Store) $1888-

Hospices  UHC
Hospice of Valley  Sutter Care at Home
Pathways Home Health

歸根--天主教的生死觀與殯葬禮
頭七:耶穌面對亡
二七:十字架--苦難的奧蹟
三七:聖瑪利亞--痛苦之母、憂者之慰
四七:如果我們與基督同死,也必與祂同生
五七:我們期待著肉身的救贖
六七:你們在天上的賞報是豐厚的
七七:新天新地--基督要永遠消除死亡
百日、週年忌日、冥誕:追思感恩禮

天主教殯葬禮
做七 頭七, 七七四十九日, 尾七, 做旬, 百日, 一年, 三年
各宗教喪禮

Thursday, October 20, 2016

SUV off-road spec

Approach and departure angles
Breakover angle

Vehicle size class


49 CFR § 523
Light Truck (SUV)
(i) Approach angle of not less than 28 degrees
(ii) Breakover angle of not less than 14 degrees
(iii) Departure angle of not less than 20 degrees
(iv) Running (ground) clearance of not less than 20 centimeters, 7.87"
(v) Front and rear axle clearances of not less than 18 centimeters each, 7.09"

Thursday, October 06, 2016

Asian American Demographics

Chinese American Demographics  population, states, counties, cities
State: California, New York, Hawaii, Texas, New Jersey, Massachusetts, Illinois, Washington, Florida, Pennsylvania

County: Los Angeles, San Francisco, Queens NY, Honolulu, Santa Clara, Kings NY, Alameda, New York, Orange, San Mateo, King WA, Cook IL, San Diego, Harris TX, Sacramento, Middlesex MA

County percentage: San Francisco, Honolulu, Hawaii, Maui, Alameda, San Mateo, Santa Clara, Queens, New York, Kings NY, Los Angeles, Montgomery MD, Middlesex MA, Norfolk MA, King WA, Suffolk MA, Sacramento, Collin TX, Orange, Middlesex MA, Fairfax

City: New York City, San Francisco, Los Angeles, Honolulu, San Jose, Chicago, Oakland, Fremont, Alhambra, San Diego, Monterey Park, Houston, Seattle, Sacramento, Boston, Arcadia, Philadelphia, Rosemead, Irvine, Rowland Heights

Thursday, September 22, 2016

Highlighted text color in browsers

      browser       highlighted,     match search,             additional matched
Internet Explorer:  white over blue, white/blue,                black/yellow
Google Chrome:      white over blue, black/orange,              black/yellow
Mozilla Firefox:    white over blue, white/green,              

Firefox Select All: white over blue, white/blue,                white/magenta


recommended browser background color: red, aqua, blue, dark purple,


Thursday, September 08, 2016

Tuesday, September 06, 2016