Search found 28 matches

by namekevaste
Thu Aug 10, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 16276

Re: Life at crossroads. What would you do ?

* Going back to school - I've given it a lot of thought. But what are the chances of employment for a 44 year old data scientist competing with 24 year olds ? The healthcare IT industry in many areas cannot find adequately qualified data scientists. Especially in population health, big data analyti...
by namekevaste
Wed Aug 09, 2017 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in U.S. ETFs Now?
Replies: 22
Views: 1509

Re: Invest in U.S. ETFs Now?

There is a chance of a crash when the market is at an all time high. There is a chance of a crash when the market has been flat. There is a chance of a crash when the market has just crashed. The market returns a risk premium because the market is risky. You are not going to get the risk premium wi...
by namekevaste
Tue Aug 01, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Florence Hotels.......
Replies: 25
Views: 1412

Re: Florence Hotels.......

Hotel Palazzo Dal Borgo. Convenient location around the block from Santa Maria Novella, close to restaurants, pleasant staff - we had a nice room that accommodated the 4 of us (2 kids)
by namekevaste
Mon Jul 31, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 56
Views: 3642

Re: Non Stick frying pan

After several years of buying non-stick cookware, we are sold on cast iron. We have a couple of Staub cookware, but I use my Lodge skillet the most. I cook eggs all the time with very little oil that (using a silicon brush with oil on a heated pan). It is important to clean the cookware without dete...
by namekevaste
Sat Jul 15, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 3344

Re: Urgent 1st world problem [coffeemaker]

Bonavita is an affordable coffeemaker that is SCAA certified
by namekevaste
Fri Jul 14, 2017 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: After moving from Ameriprise to Vanguard
Replies: 11
Views: 1129

Re: After moving from Ameriprise to Vanguard

You have to the choice to leave funds as is, sell them, or in the case of VG mutual funds, exchange them. You my want to make sure that the cost basis information transferred. There is a link on top of our account that takes you to cost basis information. If selling, you may want to consider tax con...
by namekevaste
Thu Jul 13, 2017 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Trust structure and taxes [A/B Trusts]
Replies: 4
Views: 482

Re: Trust structure and taxes [A/B Trusts]

Do you live in a community property state? How much of the retirement account assets are Roth? Does your current attorney understand how to set up a qualified retirement plan accumulation trust? Some "trust mills" only sell "turn the crank" A/B trusts that at best constitute a c...
by namekevaste
Wed Jul 12, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Trust structure and taxes [A/B Trusts]
Replies: 4
Views: 482

Trust structure and taxes [A/B Trusts]

We are in the process of setting up a trust through a local attorney. About ourselves. -Both employed in late 40s. Annual income approx $700k - State of residence: Ohio -Net worth: $3.8M. Home: $700k, the rest are investment accounts. Approximately half in qualified retirement accounts -Combined lif...
by namekevaste
Sun Jul 09, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: What is this cable device?
Replies: 53
Views: 3309

Re: What is this cable device?

Amplifier. We have one that is split from a set-top box at the farthest part of the house from everything else. DW unplugged it once while doing some painting in that area. We had no idea why all the pictures on our other tv's suddenly deteriorated. It even puzzled Comcast's service guy for a while...
by namekevaste
Thu Jul 06, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Task management / organizing app
Replies: 52
Views: 2054

Re: Task management / organizing app

Try freemind - it is an open source mind mapping tool. In addition to the basic features for creating a mindmap - you can set dates on nodes. I use this feature to alert me to overdue tasks - set icons for different types of tasks - Attributes - slightly cumbersome initially. However, once you get t...
by namekevaste
Wed Jun 21, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 5162

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: 242

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: 61
Views: 3940

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: 656

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: 656

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: 1726

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 ... ring-split or read into a datatable https://www.codeproject.com/Articles/11 ... for-Flat-F
by namekevaste
Sat Jun 10, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 3661

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: 1027

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 m . 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 (especially if you have high risk), even modest alcoho...
by namekevaste
Sat Jun 03, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 11630

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: 1282

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: 5246

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: 1941

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: 2440

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: 230
Views: 38905

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: 11630

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: 1375

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: 4071

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 - 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, beaches)...