Search found 18 matches

by namekevaste
Wed Jun 21, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 69
Views: 4131

Re: What is your car's average cost ownership?

Acura MDX for 14 years. Bought it when my daughter was 3 - then, she learned to drive it. Total cost of ownership? Not a clue. But getting to sit in the back seat while repeatedly kicking the driver seat and randomly yelling "are we there yet?" - priceless! 8-)
by namekevaste
Mon Jun 19, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Trust Service and Real Estate
Replies: 1
Views: 194

Vanguard Trust Service and Real Estate

Looking over the Vanguard Trust Service brochure and documents, it appears that they will not hold any real estate in trust. Our goal was to have our entire estate transfer to a trust with VNTC as trustee after the surviving spouse passes.
Has anyone one run into this issue? Any suggestions?
by namekevaste
Sat Jun 17, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 58
Views: 2712

Re: Suggestions for password storage services?

A key file is a digital file that can be used by applications like keepass to secure your password database. You typically use the key file in combination with a password (composite password). This makes it nearly impossible to hack the database using brute force or rainbow tables since you have to ...
by namekevaste
Mon Jun 12, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains on Inherited Foreign Property
Replies: 7
Views: 590

Re: Capital Gains on Inherted Foreign Property

As I understand this - the property is in a foreign country and my father is not a US citizen. Hence, US tax laws should not apply. The laws of my home country allow me to file a "relinquishment deed" on a jointly held property without tax consequence.
by namekevaste
Sun Jun 11, 2017 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains on Inherited Foreign Property
Replies: 7
Views: 590

Capital Gains on Inherited Foreign Property

I have property in a foreign country that is jointly owned by my father and I. I recently acquired US citizenship. I believe I am able to relinquish my interest in the property without any tax consequence. If I inherit it when my father passes, do I receive a stepped up valuation for capital gains c...
by namekevaste
Sun Jun 11, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: Best Way To Code A Text Parser
Replies: 27
Views: 1506

Re: Best Way To Code A Text Parser

Visual studio - use C# or VB. You can easily create a GUI (web based using asp.net or desktop). You can split the string https://docs.microsoft.com/en-us/dotnet/csharp/programming-guide/strings/how-to-parse-strings-using-string-split or read into a datatable https://www.codeproject.com/Articles/1169...
by namekevaste
Sat Jun 10, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 3164

Re: Suit for residency interviews

I interview for residency and fellowship - agree that you should not worry too much or spend a lot. However, if you can, it is worthwhile to invest in a suit that has a "full canvas" or at least "half canvas" construction. These are in the $400+ range - but, will hold up well thr...
by namekevaste
Mon Jun 05, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: How to find best but the cheapest red wine for better health?
Replies: 14
Views: 882

Re: How to find best but the cheapest red wine for better health?

Health benefits of red wine are attributed to the presence of polyphenols https://en.wikipedia.org/wiki/Phenolic_content_in_wine . You can get the same benefits (without the alcohol) by consuming fruits/juices that have content of polyphenols (acai, pomegranate, concord grapes). If you are a woman (...
by namekevaste
Sat Jun 03, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 10369

Re: What to do with all these passwords ?

One interesting way to create really secure passwords is to use inverted text to generate your pɹoʍssɐԀ. You can generate inverted text at many sites like http://www.upsidedowntext.com/ . The inverted text is generated by substituting each character with the corresponding inverted unicode character
by namekevaste
Fri May 26, 2017 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k options
Replies: 15
Views: 1118

Re: Fidelity 401k options

It makes sense to contribute annually to a Traditional IRA and do a backdoor conversion to a Roth IRA. This is very easy to do with Vanguard brokerage through their web portal. A "reverse rollover" of your existing IRA into your 401(k) will simplify future backdoor conversions (see "p...
by namekevaste
Fri May 26, 2017 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Voyager Select vs Flagship
Replies: 32
Views: 4747

Re: Voyager Select vs Flagship

I did this recently. Calls seem to go to a dedicated group of representatives and wait times may be shorter. You are assigned a Flagship rep who serves as a single point of contact. Flagship level seems to be necessary to access Vanguard Trust Services
by namekevaste
Wed May 17, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: Building a deck
Replies: 16
Views: 1790

Re: Building a deck

Just replaced pressure treated pine with Ipe. Expensive up front, but with some care, should outlast the house!
Make sure the supports are level and are graded away from the house. Consider using deck joist tape before you lay the decking down.
by namekevaste
Tue May 16, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need a LLC to Do Consulting Work
Replies: 20
Views: 2205

Re: Do I need a LLC to Do Consulting Work

In terms of tax advantaged savings, you can also investigate solo 401(k) accounts. Many brokerages, including Vanguard and Fidelity allow solo 401(k) accounts. One potential advantage is when you max out your annual 401 or 403 allowance through another employer, you can still contribute the "em...
by namekevaste
Sat May 13, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 226
Views: 34025

Regret early retirement/downsizing

There are many posts on this forum regarding early retirement or downsizing. Does anyone regret retiring early or downsizing?
by namekevaste
Tue May 09, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 10369

Re: What to do with all these passwords ?

+1 for KeePass 1. Can generate passwords. Uses strong encryption, option to use keyfile to secure database 2. I keep the database file online using WebDAV. You can also save and share the database using Google Drive or OneDrive 3. Take KeePass with you on a USB key. Can use "secure desktop"...
by namekevaste
Fri May 05, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: How much to contribute to deferred compensation?
Replies: 9
Views: 1265

How much to contribute to deferred compensation?

We are a physician couple with a combined income of approx 700k. Emergency funds: Yes Debt: Mortgage approx 300k at 3.6% Tax Filing Status: Married Filing Jointly Tax Rate: 39% Federal, 5% State Age: mid 40s (both) Current portfolio is in the low mid 7 figures. Current retirement assets Taxable 4% c...
by namekevaste
Fri May 05, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Job Decision
Replies: 53
Views: 3762

Re: Job Decision

- Take the offer on Monday. Thank them for the opportunity to reconsider and tell how much you love working with the team :happy - Begin looking for a new job. Plan a break between jobs. Take advantage of COBRA to maintain health insurance between jobs - Places you like to visit (mountains, farms, b...

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