Monday, March 6, 2017

拜訪布拉格城堡/莊峻華

拜訪布拉格城堡/莊峻華

布拉格宮在沃搭哇河北,沿小坡石道北上,是座美麗宮殿,從城堡
牆上,可以俯瞰眺望遠近布拉格市,我查字典,波西米亞王國,約
1198年成立,一直都是神聖羅馬帝國,築查理斯橋這位國王,當
過帝國皇帝,宮殿,城市,和橋樑等,都深富歷史,我在宮殿廣場
一端,看到一命名瑪麗亞˙特莉薩之美麗圓頂大建築,特莉薩是一
皇后,她夫婿是帝國皇帝,於是再查字典,原來帝國一直包括到奧
地利,匈牙利,克洛艾西亞,和波西米亞,布拉格是波國首都故也。

我在法蘭克福麥因河,看到豪華河川郵輪,瑪麗亞˙特莉薩號,船長
曰彼為奧匈帝國女皇帝,這是18世紀之事,她之女兒,瑪莉˙安彤那
嫁給法帝路易十六,凡爾賽宮有一小宮殿,以她命名專用,兩夫婦被
送往斷頭台,這也是歐洲大事之一。1806年法帝拿破崙收編萊茵河附
庸國神聖羅馬帝國就瓦解,波西米亞王國不再,併入奧匈帝國,1918
年終戰後,奧匈帝國瓦解,布拉格成為捷克斯拉伐克國首都,這是歷
史,宮殿仍舊保護美好,此為捷克之驕傲。

宮殿建築樸實,國王興建大教堂,在宮殿廣場上,就算富麗堂皇,就是
現今宮殿,仍舊在行政使用,教堂也是,我感覺這些王國,丹麥和波西
米亞,都不算是大帝國,當年資源有限,宮殿建築,偏向實用,後來我
參觀到幾座德國大公國宮殿,他們更謙虛曰是大公爵住居,很有趣,都
很實用。

宮殿廣場擠滿遊客,認真拍攝留念相片,許多都是旅行團安排,來自全
球。我在城牆上,看到一面美國國旗,原來大使館在附近,於是決定改
日拜訪,因為我在布魯塞爾旅行中,已經收到哈理斯郡電子郵件選票,
只要從外地寄出選票即可。

從原路下城堡,一路上都是紅瓦屋頂,店面繁榮,我一直走到查理斯橋
,過橋後又到老街鐘樓廣場,原擬按地圖,走向布拉格火車站,結果半

途作罷。布拉格是一有趣美麗之城市。

Visiting South America 2017/Carlos Pueblo

Visiting South America 2017/Carlos Pueblo

I am going to Santiago, Chile tomorrow evening to hop on a cruise
to Buenos Aires, Argentina via the Strait of Magellan. Originally I was
expecting to have an itinerary from Buenos Aires to Santiago first 14
days then, Santiago northbound to San Francisco, CA 20 days; however,
the last minute deal came out four days ago. I was in Buenos Aires in
November, 2015; therefore, this would be my second trip in 15 months.

I don’t plan very much except the basic requirement for a long trip,
medicine, changing clothes, room and board reservation, etc. I give
up my attempt to visit Aconcagua 6960 m. or 22,837 ft. and Iguazu Falls
due to in such a hurry. I may go back again sometime in the future.

What I am going to do includes visiting Santiago old town, every port, and
some old places which I have been before in Buenos Aires and some which
I have missed before. I know that I am going to miss my annual visit of D.C.
Cherry Blossom this year peak time will be 03/12 to 03/17 and I shall be around

The cone of the Southern Hemisphere. 

Sunday, March 5, 2017

Replacing two bathroom faucets/Carlos Pueblo

Replacing two bathroom faucets/Carlos Pueblo

Homeowner always needs to take care of various parts of the house in
order to function properly. There was a leak of a faucet at Arthur’s bathroom
counter, a problem at one of my cold water faucet, and also there was a broken
plastic connection at our toilet. We purchased new parts for a handy man to
replace them. He came by one Sunday morning without bringing his tools and
fortunately we came out with a Philip screwdriver and a simple plumber pliers.
After taking apart first rusty faucet, he couldn’t fit the new part, even though as
the same brand, to one end of the water source. He showed me the problem and
explained to me the difference of a flare end to a compression end and asked me
to go to the shop to buy some adapter to covert the new pipe from compression
end to flare end which mean something to do with the new pipe. It’s too complicate
to take off the new pipe for me to show the store personnel and I took the old one
anyway to help me to explain the situation.

A young man in the front knew exactly my problem was and instructed me to aisle
14king for a 3/8 inch something. I took the part to a customer service counter to make
Sure that I was doing right. A man on duty shook his head and eventually accompanied
me to the aisle and spoke to my plumber on my mobile. He was frustrated and said that
he wanted to come to the store himself. The service man went ahead figuring out what
he could do to resolve the problem. He tried my old pipe end to a small panel with various
connection of ends and found several adapters, negative and positive ends, to fit and
convert the flare end to a compression end in four parts and claimed that should make
the end to be a compression end to meet the new pipe at home. I was in a very good
lesson of pipe connection while I didn’t have such experience when I was at schools to
touch chemical instruments in laboratories.

The plumber completed the job and promised me that if I would sand the front door
though then he would come back to finish painting to protect raining dame to the door.
Suddenly I found there are so much that I have to do with this getting old house.



Practice makes perfect/Carlos Pueblo

Practice makes perfect/Carlos Pueblo

I was watching many Japanese samurai movies and suddenly a documentary
of real samurai produced by NHK popped up. I turned attention to this video
with a conclusion, Practice makes perfect. Two days later, I was summoned to
a tennis double games and ran into a player with stroke consistently forehand
and backhand. Friends call him ball machine Dan because he builds his tennis
skill by practice with tennis ball machine.

Japanese swordsmanship comes back alive after century decline. The documentary
Introduces Katori Shinto-ryu, one of the three surviving schools at Narita, Chiba
Near the famous Narita Airport of Tokyo. The school allows students practice with
wooden sword and I watch carefully that the practice is repeating again and again
for varies technique attacking certain parts of unprotected body. That is why as the
master indicates traditional Japanese swordsmanship or the art of fencing can not
be a part of fencing sport at the Olympic. I have watched the famous duel between
him and Sasaki Kojiro at a beach front. The legend, after research and research,
tells that he used a solid wooden sword to make that fatal blow on Kojiro’s forehead.
It’s a matter of seconds.

I have regretted that I don’have enough practice for my tennis stroke; therefore, I
depend on game experience to fool around all tennis double matches. No strong
strike to win a point but returning the ball softly by slicing it to avoid hitting out of
the line. I have been winning by waiting the opponent’s error. I envy very much for
Dan’s hitting skill and I believe that hitting with a ball machine can reach the level
of practice makes perfect like the swordsmanship. Am I too late to start over? Or
am I too stubborn to be changed? Or I really don’t need to worry about it just
enjoy the remaining of my time to play the game?






Garden dirt filling 2017/Carlos Pueblo

Garden dirt filling 2017/Carlos Pueblo

There are three rolls of garden lot design around our house,
one each around the building edge of the front and back and
one each on the back yard fence on the east and  south. Usually
Amy would purchase several bags of garden soil and mulch
spreading on the top for several purpose. I was from a rural
area in Taiwan and could not understand why the need of money
to purchase garden soil. Two years ago, I did purchase 12 cubic
yard of top soil to prevent the loss of lawn due to corrosion of
lawn soil by rain. I do not see the significant change; however, I
can’t argue with her on her concern of the garden after my visits
to Frankfurt and Berlin and witness those beautiful gardens.

After consulting with her church friend, she ordered 2 yards each
of top soil and mulch with delivery and spreading labor cost. Her
friend’s husband advised that I should be present and watching the
work till done. It is a small soil company that the owner drives his
own dump truck and three workers arriving with another pick up
company owned. Later I learned that smaller job would be delivered
with that pick up separately 2 yards at a time. One worker named
Cowboy shoveled the soil to a wheelbarrow, then a second worker Bo
moved it to the third worker Michael and spread to the lot. We were
appreciated to the owner of hiring them to work even though they were
slow yet were good workers.  

After a brief lunch break, they came back to finish both soils for the front,
top soil at the bottom and mulch applying on the top. We needed additional
load for the back yard and the owner agreed to do the job on the next day.
We paid the amount for the day’s job and should pay the same amount for
the next day. On the second day, Michael didn’t show up for work; therefore
Cowboy decided to bring in Bo’s wife as the third worker in charge of shoveling
and Cowboy replaced Michael as the spreader, later he went back to shovel
and Bo’s wife move the wheelbarrow while Bo spreading. Cowboy used to be
the dump truck driver and is familiar with the business. Amy was very impressed
of his hard working habit and gave him a handsome tip. He mentioned to Amy’s
friend that he was suffering with a stoke a couple years ago and was not sure if
he could return for next year’s job. He is 63 younger than me.

I asked sever neighbors about how to improve our garden just like theirs. Recently
Many of neighbors’ front yards are full of spring blooming, azalea, camellia, New
York magnolia, and roses etc. which make home gardens very pretty.


What is the requested minimum distribution?/Carlos Pueblo

What is the requested minimum distribution?/Carlos Pueblo
Two of my friends, as a matter of fact, a client and my brother Yancy,
mentioned to me the requested minimum distribution, RMD, during
the past few years. I thought that was still too early for me to consider
it; however, after I filed my income tax for this year and I knew that
would be right on the corner in my case, one year later. What is the
requested minimum distribution? It is the money which we have saved
throughout those year for tax shelter which the federal government like
to tax them. Like the depreciation of dwelling property, the government
like you to recapture all of it when you sell the property.

If you are familiar with the property depreciation, you will understand
how to figure out how much to take out the RMD every year and you have
better taking out more than the RMD in order to avoid the 50% penalty for
the insufficiency amount withdraw. It’s a straight line method. IRS assume
that you will live up to 98; therefore, RMD for the first year at 70 ½ years
old, you are required to take out amount which is the total value of your
pension, other than Roth account, divided by 27.5, second year is divided by
26.5 and so on every year.

Both of them found out the amount and paid the tax burden accordingly. I
like to have my own tax planning now; therefore, I move d some fund to Roth
last year and plan to do the same this year and next year before the RMD
deadline by paying more federal income tax for the last two calendar years
instead of paying for the higher tax of RMD. I assume that my income will
be higher and the federal tax rate will be higher as long as the government
keep on expanding.

I might be miscalculating the income average for my younger time that at
the senior age; however, the saving was real and the future tax could be
planned to save to the most. That is why I have been very sure to advise
pension planning to contribute to the maximum to both of my children to

build personal asset at younger age. It is still my conclusion.

File 2016 Federal Income Tax/Carlos Pueblo

File 2016 Federal Income Tax/Carlos Pueblo

Last week I filed my 2016 federal income tax and moved forward to
the current calendar year. The commercial software has been made
easier to complete the return especially for fix income family. I notice
that I am very closed to the age of required minimum distribution;
therefore, I must prepare to increase my burden for this additional
income. In Texas, we pay real estate tax instead of the state income
tax and I have done that before the end of the year. I always like to
pay  taxes as soon as possible, for instance, as soon as I receive most
of the 1099’s, then complete it. Of course, I build myself a habit to
estimate my sources of  income of the current year ahead of time.

All governing authorities from the homeowner association, city, county
, school district, etc. tax the real estate owner property while the state
collect value added tax as its revenue to support the various service. I
can minimum my expense for only purchase for necessity yet I can not
avoid those sale tax of my travelling.

The software asks if we have carry health insurance for the entire year,
that’s Obamacare. If I don’t, there is additional question to be answered
and of course additional tax to be collected. Now, I understand why people
hate Obamacare; however, the Nation advocate humanity and can’t refuse
to treat the poor and I like to see how the Republican to handle this issue.

Because I don’t have earned income; therefore, I am not to contribute any
Individual retirement plan to have some income deduction instead that I am
soon to be facing the RMD. I am happy for the increase of income and on the
other hand I don’t like to face the additional tax yet I am still very sure that
saving for the retirement is a good strategy of tax planning.

I feel lucky that I have done it right away. Just two days later, I found a last
minute cruise deal to Chile and Argentina and grasped it, otherwise, I would
be concerned for not completing the income return while staying on the ship.
What did I learn this year, I must pay IRS earlier or I’ll face the penalty of interest
which I won’t get any for the money deposit to my checking account.


Saturday, March 4, 2017

Visiting old town Prague, Czech Republic/Carlos Pueblo

Visiting old town Prague, Czech Republic/Carlos Pueblo

I was at a tram stop and waiting for a line 12 tram to the famous Charles
Bridge of Prague. A nice and pretty young lady chatted with me in a fluent
English about the city. She just returned to the city from a 6 months visit
to Denver, Colorado. She pointed the classical structure of her favorite
along the route of the tram. I was wondering how the city attracted so
many residents and how the city to provide so much job opportunity. She
told me that might be the IT, information technology. She saw me to get off
the tram right in front of the Bridge.

People see the Bridge and remember that distinguished king of Bohemia,
Charles IV. He connected the Prague Castle to the old town square across
the mighty Vltava River. A big crowd already gathered on the Bridge. I
overheard a familiar sound in front of the first bridge tower. Ms. Chu was
with her other two companions passing through the bridge toward the direction
of the old town square. Interestingly to know that she graduated from the
same department same university 10 years after me. We didn’t have too much
time to chat; however, we did exchange our e-mail address for the future
correspondence. I was wondering on the bridge to see every old the 30 statues
and saints where draw the most attention with street artists and vender of
all kinds in between. Portrait artists, even including silhouette, performed their
talent right on the spot, of course with a fee. I saw some business yet most of the
visitors were busy on their photographing for their own memory.

I followed the crowd to pass the third bridge tower near the old town square.
It is a very good size of square center among cathedral churches. A historical clock
tower is there with a huge gathering to watch the time of clock striking. I had taken so many pictures and I had to look them up again to see what I had been seeing around. As a matter
of fact that I had visit  the old town square almost every day of my staying.

Charles IV was the king of Bohemia Kingdom and also was appointed as the emperor of
the Holly Roman Empire. It is very interesting this part of history. Prague was the capitol of
such kingdom and empire where many European ancestors moved in with plenty of job
opportunity just like nowadays U.S. and western Europe. Czech was a classical nation rich
in history and culture. Its arm dealer used to ship assault machine gun to China to arm the
warlord. The old assault weapon ended up in a police office in our neighborhood. A famous
accusation of sedition, involving a classmate’s father, that the accused group attempted to
grasp such Czech assault  weapon for rebellion. It was one of the reason brought me here
for visit and I would like to see if I could visit the old weapon factory one of these days.


Friday, March 3, 2017

南美行/莊峻華

南美行/莊峻華

昨日上午,郵輪廣告到,有一特價,引起注意,請教郵輪代理,查
明價格,決定購買如此南美行,船從智利聖地牙哥附近出發,繞過
南端到阿根廷布宜諾斯艾利斯,一共十五日,代理同意讓我購買機
票,然後再訂船票。因為逼近啟航日,所以機票昂貴,我使用僅存
一張美航哩程票,補購一些哩數成行,因為廉價機票需要在布市滯
留一週,所以旅程一共23日。

船從太平洋,沿智利海岸,停靠幾處海港,然後繞行麥哲倫海峽,
進入阿根廷海岸,中間停靠福克蘭群島史丹利港,然後進入烏拉圭
,就是布宜諾斯艾利斯港,一共停靠九港口,現在南半球是秋天,
船抵布港後,續行中巴西里約熱內盧港十日,然後回頭布港,原先
我期待從布港到聖地牙哥港14日,緊接沿太平洋海岸北上20日,
到加州三藩市,一共34日,此兩段目前郵輪並未推出特價,我懷疑
此生再有如此機會。

省下來之錢,我可以再安排和等候特價機會,甚麼是特價?就是最後
一週之特價,許可單身單價單室旅行,一般如此機會,多半是冷門航
線,或是跨洋郵輪,例如春天四月,郵輪需要調回歐洲,南美調回阿
拉斯加,秋天相反方向,我了解狀況後,一直在等待特價機會,經常

郵輪旅行,老年生活,時光飛馳,毫無寂寞之有。

Wednesday, March 1, 2017

甚麼是退休金規定領取額?/莊峻華

甚麼是退休金規定領取額?/莊峻華

國稅局規定,退休金一定要在七十歲半,開始領取,有一至少額
曰,規定至少領取額,算法簡單,就是第一年,必須領出總額1/27
,第二年領取1/26,局假設每人壽命97歲,領取額為當年收入,
併入年收入課稅,我想美國法治,滴水不漏,去年底,我發現已接
近時間,連忙轉一些退休金,到羅斯退休金,當年扣稅,我相信往
後稅率會增高,不像會減輕低,因為美國國家支出龐大,不易控制

美國政府鼓勵儲蓄,退休金可以,暫緩報繳年所得稅,政府放長線
釣大魚,功能包括減少年老貧窮國民之,貧民救濟金預算,我非常
欣賞如此稅法,我之工作範圍,曾經是鼓勵客戶,購買退休金,甚
至退廣到兩位子女,我相信時間也可以幫忙賺錢,退休金是緩稅最
佳途徑,甚至可以應用到中年失業,金錢周轉,我在2000年使用過
10年,稅務安排,甚有效果,領法與此類似,當年局之壽命是83
也是每年減少一年當分母,必須連續領取,到591/2歲,可以中止,
我已經中止領取,將近十年,我以為此為最佳稅務計劃。

有許多專業人員家庭,有雙重收入,領取兩張社會福利金,待開始
領取最低額退休金後,幾乎所有社會福利金,均需併入所得稅,當
然這是高收入,可喜可賀,每個月退休金,自動入帳,可以無憂無

慮,這是美國完善退休金法令,完美發生作用,維持社會安寧。

熟能生巧說/莊峻華

熟能生巧說/莊峻華

我在網誌上欣賞影片,一日無意間看到一集真正武士記
錄片,介紹外國人到日本千葉縣羽田鎮,拜師習藝,香
取神道流劍術,不久,我受邀網球局,巧遇一中年同好
,擊球強調勁穩定,人道是球機器丹,丹是其小名,劍
術和網球,都是證明熟能生巧之道理。

擊劍道館內,學徒隨到隨練,選一對手,木劍比劃,功
擊對手要害處,所以如此劍術,無法成為奧林匹克運動
會,競賽項目,如此劍流,緣起於室町中葉,就是十四
世紀,戰國時代,兵荒馬亂,武士需求,當今日本古裝
武士電影,許多典故,多半與劍術鍛鍊有關,我觀看宮
本武藏電影超過半世紀,終於體會比劍,勝負之一剎那
,瞬間擊中要害,是故集中一生精神,注意到劍術之生
巧。

我之網球嗜好,來自於經長運動,但球技影響到,嗜好
之持久,我一直無法擊久穩定,常常長短不齊,這位球
機器丹,擊球強勁穩定,而且正反手擊球強,似乎不需

考慮,這就是熟能生巧,在網球局,非常管用。