Friday, May 26, 2017

Xmouse, active window tracking

xmouse

Turn on Xmouse active window tracking (focus follows mouse pointer) feature in Windows 8.1, Windows 8 and Windows 7 (Active window tracking)
Windows 8: Configuring focus follows mouse and auto-raise behavior
Windows 7 and Vista mouse focus on window without raising the window

Monday, May 22, 2017

Tenor

Mozart Ave Verum Corpus, K. 618 - Tenor Predominant

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 advisors, Wealth 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 universal, IUL 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 75 years on 4/1 to prevent or minimize RMD (required minimum distribution) QLAC qualified longevity annuity contracts, Roth Conversion Calculator, break-even tax rate (BETR) 
* 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 spirits: Absinthe (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 wormwood, Carpano Antica Formula, Cinzano 

From Spain 
Sherry (Jerez) (Solera aging system 索雷拉陳釀系統) dry: Fino flor yeast, Amontillado, Oloroso, Palo 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 region) First Growth Premier Cru Supérieur Château d'Yquem, Premier Cru, 2nd 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 google, Lineage OS
Nexus 9 volantis
Nexus 5 hammerhead, AOKP (popular), AICP, AOSP, 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