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Gentleman.Jack.Darby last won the day on June 16 2018

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  1. If you buy a Kindle book on Amazon, you have several options for reading it: 1. If you like to read "on the go" and prefer to hold something to read that approximates a "real" book, a Kindle device is the way to go. For the most "book-like" experience, I'd suggest one of the Kindle paperwhite devices. Very similar to a real book (except no smell) and works great in strong or direct sunlight, like at the beach 2. If you don't want or need another device, you can download the Kindle app, for free, from the appropriate app store (Google Play Store or Apple iTunes) for your smartphone or
  2. An addendum regarding Callcentric: One can log into one's Callcentric account from a web browser, so if logged in, one can see an SMS as soon as it arrives or one can use something like Zoiper, an Android VoIP app, to use a Callcentric number anywhere one has wi-fi or cellular data. Basically a roll-you-own Viber or LINE
  3. Apologize for late reply but I just saw the thread First things first: By design, Skype can't receive an SMS message UNLESS it's in reply to an SMS sent FROM Skype, so Skype is worthless for TFA (Two-Factor Authentication) Google Voice can receive TFA SMS from most financial institutions and others; I use it routinely with Bank of America, Paypal, Callcentric, etc. and it works fine. The only bank that I use that it doesn't receive TFA SMS from is Chase but Chase will send SMS via e-mail One thing to keep in mind about GV is that one MUST have some sort of U.S. phone service in
  4. As far as Kindle book pricing goes, Amazon tends to put most books on sale for very low prices at one time or another I mostly read non-fiction (history, politics, and science) and I generally don't spend more than $3.99 for a book, at the outside - that takes some work and a bit of patience, but I've been at it for a while, so I've build a library of a couple of thousand books for next to nothing When I see a book I'd like to read that is at full price, I add it to my Kindle wishlist and after awhile, that list grows Then every day or so, I go in and sort that list by price, lo
  5. Happy to hear Project Gutenberg mentioned! In the interest of full disclosure, I feel obligated to say that it's a bit of a chore to add books other than Kindle books to a Kindle and it's not really intuitive to find them once they're on the Kindle; it's not hard, but not something someone new to Kindle e-books would want to tackle right off the bat Of course, that's a deliberate design decision by Amazon, which is understandable
  6. You can use any device capable of running the Kindle app (Android tablet, Windows PC, Chromebook, etc.) and it's not necessary to make things harder by downloading the book to a PC and then transferring it elsewhere Amazon does not put a limit on downloading a book (it's not one-and-done like it is for MP3 music files) and although Amazon does put a limit on registered devices (a very reasonable number), all you would need to do is download the Kindle app to whatever device(s) on which you want to read Kindle books and sign in with your Amazon credentials (e-mail address and password) an
  7. No U.S. bank has "branches" in the Philippines as we Americans experience branches in the U.S., such as going to a JP Morgan Chase branch in New York if one's home account is in Arizona While Citibank is in Manila and Cebu, that is Citibank Philippines, not a branch of U.S. Citibank, so one would need to open an account there and the minimum to open an account is PHP 1 million, about USD 20K. And one would likely find it difficult to open an account there unless one has a visa type, such as an SRRV, that allows at least a one year stay or is more-or-less "permanent" On the good side
  8. I was looking at it from a different perspective, but it's all good
  9. As you say, in the U.S., the IRS considers most folks to be honest, with that "honor" being helped along by the fact that banks and other financial institutions provide information directly to the IRS regarding interest earned, dividends earned, etc. However, even with that reporting, there are some folks that the IRS just plain old doesn't trust as far as they could throw them - for those folks, the IRS designates them as subject to backup withholding; when one of those folks sets up a financial account, they designate on the account application that they are subject to backup withholdin
  10. Without knowing the specifics of your tax situation, I would recommend filing a Philippines return, just to make sure all the "i"s are dotted and "t"s are crossed It may be that the interest earned on your Philippines account is not enough to trigger a Philippines tax liability and the withheld tax is refunded; IF your U.S. return was ever selected for audit (the IRS performs what are called "compliance" audits to see how well taxpayers understand and are following the tax laws - they are not auditing because they necessarily think a specific taxpayer is cheating, they are auditing t
  11. It might be possible for her to get an ITIN without being in the U.S. See the following IRS page for general information about TINs and specifically ITINs: https://www.irs.gov/individuals/international-taxpayers/taxpayer-identification-numbers-tin I extracted the following section from that page (it's under the ITIN section, about halfway through): Acceptance Agents are entities (colleges, financial institutions, accounting firms, etc.) who are authorized by the IRS to assist applicants in obtaining ITINs. They review the applicant's documentation and forward the completed
  12. The Earned Income Credit won't help the OP since that credit is designed for low-income folks whose income is from employment rather than interest.
  13. I think what you're referring to in the Foreign Earned Income Exclusion, which applies to folks working outside the U.S. For the interest earned on a bank account in the Philippines: IF you file a return and pay income tax on the earnings to the Philippines, for your U.S. return (IF you meet the taxable income threshold for filing a U.S. return), you would enter the interest amount as income AND take a credit for foreign taxes paid (to the Philippines) against any U.S. tax liability; If you DON'T file an income tax return and pay income tax to the Philippines, you would still en
  14. The only time an income tax return MUST be filed is if the taxpayer has taxable income. The IRS doesn't care where a taxpayer is only, if he has taxable income, that a return, or documentation providing enough information to identify the taxpayer and to compute any tax liability, be filed and the tax paid I always recommend filing a return, even if a taxpayer has no taxable income, because the statute of limitations for audit purposes doesn't start unless and until a return is filed.
  15. Based on the facts given, I'd say "No", but if it's something that you're set on doing, I'd recommend giving the following things a LOT of thought and be sure you have realistic plans in case things don't work out: Make sure that you really understand the effect that inflation will have on your income stream down the road; and by really understanding, I mean sitting down with a spreadsheet or inflation calculator and really seeing what your proposed income stream of today will buy you in 15 years, 25 years, 35 years, etc. It's really not enough to understand the abstract concept of inflat
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