Search found 2208 matches

by neurosphere
Fri Apr 21, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Max out 401K OR Pay off Federal Student Loan
Replies: 11
Views: 1066

Re: Max out 401K OR Pay off Federal Student Loan

I suggest maxing out Traditional 401k, Roth IRA and attacking the student loans. I agree, max out 401k, backdoor Roth (if eligible i.e. no significant traditional IRA balances) and then get rid of the student loans. He doesn't need to backdoor, his income is low enough to qualify for Roth directly,...
by neurosphere
Thu Apr 20, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Max out 401K OR Pay off Federal Student Loan
Replies: 11
Views: 1066

Re: Max out 401K OR Pay off Federal Student Loan

DSInvestor wrote:I suggest maxing out Traditional 401k, Roth IRA and attacking the student loans.


I agree, max out 401k, backdoor Roth (if eligible i.e. no significant traditional IRA balances) and then get rid of the student loans.
by neurosphere
Fri Apr 14, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Anyone else decided not to finish med school?
Replies: 55
Views: 5784

Re: Anyone else decided not to finish med school?

He failed. That is good. That is more than most can say - to fail at something most people would love to have, and move on. The more you do, the more you try, the more you pursue, the more you fail. The less you do, the less you risk, the less you fail, the less you may have to show for it. Eventua...
by neurosphere
Fri Apr 14, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Physician using Turbotax, owing 30K so far already...
Replies: 65
Views: 6696

Re: Physician using Turbotax, owing 30K so far already...

Is it normal for earners in that salary range to end up owing that much each year? Is it the norm that earners in that income range must be making estimated payments (or having additional money taken out on W4)? Is the W4 withholding using 1 as number of dependents that inaccurate? We have the mone...
by neurosphere
Wed Apr 12, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Tax preparer charging for past tax PDF's copies
Replies: 49
Views: 3343

Re: Tax preparer charging for past tax PDF's copies

What if the initial tax-prep contract stipulated there would be fees for providing pdfs, paper copies, etc. after some interval of time?

I'm curious if the OPs contract for the tax years in question mentions anything this.
by neurosphere
Mon Apr 10, 2017 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Medical School Loans - Repayment Options
Replies: 14
Views: 1368

Re: Medical School Loans - Repayment Options

AZAttorney11, you've received some excellent info on PSLF. One small item to add: please make sure your family member does not consolidate their $4,000 Perkins Loan in with the Direct Loans. The Direct Loans qualify for PSLF, the Perkins Loan does not. Would hate for a $4,000 loan to mess up a $161...
by neurosphere
Sun Apr 09, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 297
Views: 26888

Re: Quicken's future direction - a cause for concern

Here's to looking forward to a subscription and keeping Quicken solvent for years to come! :sharebeer While I don't relish the thought of higher prices, I like quicken enough (and/or have become addicted to it through familiarity) that I'd be willing to continue using it despite an increase in aver...
by neurosphere
Sun Apr 09, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 297
Views: 26888

Re: Quicken's future direction - a cause for concern

^^^ You can access the data, but can't do anything with it. See the OP's link: QWin/QMac 2017: Quicken Inc should reverse its decision to change to a subscription that makes the user's data read-only if they stop paying s. I see, thanks. Data would be read only, but data would still exist in a form...
by neurosphere
Sun Apr 09, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 297
Views: 26888

Re: Quicken's future direction - a cause for concern

I've completed my switch from Quicken to Moneydance and have no concerns about getting locked out of my own data. Don't quicken files live on your hard drive? My quicken backups are backed up to RAID NAS as well as the cloud (and detachable hard drive). Shouldn't anyone with a copy of quicken (and ...
by neurosphere
Sun Apr 09, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Medical School Loans - Repayment Options
Replies: 14
Views: 1368

Re: Medical School Loans - Repayment Options

There are potentially a lot of moving pieces to this, so generalities may not apply but... If single, then REPAYE is almost certainly the best option. It includes interest subsidies which do not rely on public service loan forgiveness. This has the net effect of reducing the effective interest rate....
by neurosphere
Thu Apr 06, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Taxpayer vs. Tax Preparer: Whose responsibility to identify and calculate state tax-free muni dividends?
Replies: 10
Views: 725

Re: Taxpayer vs. Tax Preparer: Whose responsibility to identify and calculate state tax-free muni dividends?

In CA and NY, all dividends from a fund are taxable by the state unless at least half the fund is invested in assets exempt from state taxes. The rules vary by state. David, I'm not sure that's true for NY? You were referring to "national" funds, by which I assume you mean municipal bond ...
by neurosphere
Thu Apr 06, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Taxpayer vs. Tax Preparer: Whose responsibility to identify and calculate state tax-free muni dividends?
Replies: 10
Views: 725

Re: Taxpayer vs. Tax Preparer: Whose responsibility to identify and calculate state tax-free muni dividends?

The preparer got it right with national bond funds. In CA and NY, all dividends from a fund are taxable by the state unless at least half the fund is invested in assets exempt from state taxes. The rules vary by state. I don't know how much credit to give the preparer for reporting 100% of the muni...
by neurosphere
Thu Apr 06, 2017 4:16 pm
Forum: Investing - Theory, News & General
Topic: Do Index Funds Drive Apple Up?
Replies: 27
Views: 2348

Re: Do Index Funds Drive Apple Up?

But it's perfectly possible it leads to an increase of valuation of the top 500 stocks in the US market, say, compared to all the rest. Because to correct that overvaluation, you have to have enough short sellers on the other side. But it's a static thing, right? Once a stock is in the SP500 for ex...
by neurosphere
Thu Apr 06, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Contribute more to HSA than 401k? Variables listed below
Replies: 5
Views: 359

Re: Contribute more to HSA than 401k? Variables listed below

If an employer does not offer an HSA but does offer a high deductible health plan and 401k, does the same advice apply - fund the HSA first ( after the 401k match is met)? This can get tricky, and I'm no expert, so don't take what I say as fact...But if an employer provides an HSA eligible insuranc...
by neurosphere
Thu Apr 06, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Taxpayer vs. Tax Preparer: Whose responsibility to identify and calculate state tax-free muni dividends?
Replies: 10
Views: 725

Re: Taxpayer vs. Tax Preparer: Whose responsibility to identify and calculate state tax-free muni dividends?

A few comments.... (my words in RED-(ish)) 1. I doubt that tax preparers are obligated to minimize taxes due. Perhaps ethically, but certainly not legally. What if claiming credit ABC would save the taxpayer $10, but it requires Form XYZ and you charge $100 to file that form? (Assume $100 is a fair...
by neurosphere
Thu Apr 06, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Taxpayer vs. Tax Preparer: Whose responsibility to identify and calculate state tax-free muni dividends?
Replies: 10
Views: 725

Taxpayer vs. Tax Preparer: Whose responsibility to identify and calculate state tax-free muni dividends?

Hi all, looking for your opinions/experience here. I often review prepared taxes for accuracy for friends and clients. The last four sets of professionally prepared taxes I've reviewed which had municipal bond interest all had the same error in that the preparer failed to account for state-specific ...
by neurosphere
Wed Apr 05, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Contribute more to HSA than 401k? Variables listed below
Replies: 5
Views: 359

Re: Contribute more to HSA than 401k? Variables listed below

In general, an HSA is much better than a 401k, and should take precedence over 401k contributions, with the exception of amounts up to the match. I would prioritize this way: 1) 401k up to the match. If there is additional cash flow, 2) HSA up to the family maximum. If still more available cash flow...
by neurosphere
Wed Apr 05, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions for easy/fast cash-out car loan refinance?
Replies: 8
Views: 381

Re: Suggestions for easy/fast cash-out car loan refinance?

Have they considers opening up one or two new credit cards with 0 interest teaser periods? Lots of cards (Amex blue Cash, CapOne Venture, Citi, Discover) offer 0% for the first 12-18 mo. If their current situation qualifies them to get one of these cards they could just float all their ongoing expe...
by neurosphere
Wed Apr 05, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for easy/fast cash-out car loan refinance?
Replies: 8
Views: 381

Re: Suggestions for easy/fast cash-out car loan refinance?

Jack FFR1846 wrote:https://www.dcu.org/loans/auto-refinance-loan.html

DCU second chance car loan. 1.74%.


Thanks! I'll suggest they start there and see what happens.
by neurosphere
Wed Apr 05, 2017 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for easy/fast cash-out car loan refinance?
Replies: 8
Views: 381

Suggestions for easy/fast cash-out car loan refinance?

Does anyone have any advice for how to go about refinancing a 2011 Lexus CT 200h which has $2000 left on the existing loan? Let's just assume that taking out the loan is by far the best financial move at this time for a young couple with a huge short term (3-6 months) cash crunch but a contract alre...
by neurosphere
Tue Apr 04, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: QRDO, Annuity in IRA, who pays surrender fee?
Replies: 6
Views: 461

Re: QRDO, Annuity in IRA, who pays surrender fee?

small update: H wanted W to pay all of the surrender free. W agreed to pay a share of the surrender fee in proportion to her final ownership of the annuity (5/7ths). He immediately agreed to this (to pay 2/7). They each emailed this agreement to the insurance agent/advisor who now has to ask corpora...
by neurosphere
Tue Apr 04, 2017 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax not fill in 8606 lines 6-12 with Roth conversion, is this ok?
Replies: 12
Views: 751

Re: TurboTax not fill in 8606 lines 6-12 with Roth conversion, is this ok?

I browsed pub 590 from the year 2013 (before it was split into 590-A and 590-B). I think I have an explanation why there is a "to grandmothers house and back" in the first place. In pub 590, it clearly says to fill out 8606 to report non-deductible contributions. However, it says that if t...
by neurosphere
Tue Apr 04, 2017 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax not fill in 8606 lines 6-12 with Roth conversion, is this ok?
Replies: 12
Views: 751

Re: TurboTax not fill in 8606 lines 6-12 with Roth conversion, is this ok?

Some software does it one way and some does it another way. As long as you feel like the final numbers are correct, I would not worry about this. TaxAct has asterisks on line 13 and 15, and below those asterisks is this: *From Pub. 590-B Worksheet 1-1 In essence, the worksheet duplicates Part I of ...
by neurosphere
Sat Apr 01, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Why are tax-exempt money market yields so high?
Replies: 25
Views: 5020

Re: Why are tax-exempt money market yields so high?

With a yield of 0.71%, it still does not compare favorably with a simple online account (FDIC insured) @ Ally that has an APY of 1%. My (federal) marginal tax rate approaches 40%. Which makes the after tax yields roughly equal. So from that perspective, they are similar. Agreed, there is risk with ...
by neurosphere
Sat Apr 01, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Pay off Massive Student Loan Debt with Mortgage Refi?
Replies: 46
Views: 2186

Re: Pay off Massive Student Loan Debt with Mortgage Refi?

He has been making payments towards the Income Based Payment plan of $660/month for the past 6 years with current forgiveness at 25 years - and we are having to file separately on our taxes for him to do so (we were just married last year). Note, there are 4 income-driven repayment plans: IBR, PAYE...
by neurosphere
Sat Apr 01, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Pay off Massive Student Loan Debt with Mortgage Refi?
Replies: 46
Views: 2186

Re: Pay off Massive Student Loan Debt with Mortgage Refi?

You should look into the REPAYE income-driven plan now that you are married: https://blog.ed.gov/2015/12/your-federal-student-loans-just-got-easier-to-repaye/ REPAYE obligates you to use your joint incomes. However, filing separately to remain eligible for lower payment under either IBR or PAYE will...
by neurosphere
Sat Apr 01, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: Why are tax-exempt money market yields so high?
Replies: 25
Views: 5020

Re: Why are tax-exempt money market yields so high?

The SEC 7 Day Yield on the Vanguard Tax-Exempt Money Market fund peaked a week ago and appears to be drifting down. Update, below is the 7 day yield on the Vanguard Municipal MM fund (new name, same fund) since October: http://i68.tinypic.com/2vx21eg.jpg I continue to use MM funds (in my case a NY-...
by neurosphere
Wed Mar 29, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: QRDO, Annuity in IRA, who pays surrender fee?
Replies: 6
Views: 461

Re: QRDO, Annuity in IRA, who pays surrender fee?

... "...$70,000 from [husband's] IRA will be transferred to [wife] through a QRDO or whatever documents may be necessary for the transfer. [Wife] will roll over $50,000 of the $70,000 into her existing retirement account to avoid any early withdrawal or income tax expense. [Wife] will cash out...
by neurosphere
Wed Mar 29, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: QRDO, Annuity in IRA, who pays surrender fee?
Replies: 6
Views: 461

Re: QRDO, Annuity in IRA, who pays surrender fee?

Additional details regarding the surrender fee from the annuity which is being split/sold: -- The custodian is requesting each party sign a statement indicating how/who will pay the surrender fees prior to giving anyone access to any money. -- Husband is demanding wife pay his surrender fees. --Ther...
by neurosphere
Fri Mar 24, 2017 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: QRDO, Annuity in IRA, who pays surrender fee?
Replies: 6
Views: 461

Re: QRDO, Annuity in IRA, who pays surrender fee?

QDROs are for employer plans, not IRAs. The divorce or separation instrument can transfer an interest in an IRA. See Sections 408(d)(6) and 71(b)(2). That makes it easier. Ok, the only information I had was what I read on wikipedia: "However, a QDRO can be used to divide an IRA because it is a...
by neurosphere
Fri Mar 24, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: QRDO, Annuity in IRA, who pays surrender fee?
Replies: 6
Views: 461

QRDO, Annuity in IRA, who pays surrender fee?

Hi all, Here is the main general questions: Is there a "typical" thing which happens when an annuity within in IRA is split in a divorce? Who pays surrender fees if any? Can two new annuities be created to receive the funds? Can one person keep their share of the annuity in the IRA, while ...
by neurosphere
Fri Mar 24, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Tax Return - Paper Mail Form 8453?
Replies: 9
Views: 555

Re: 2016 Tax Return - Paper Mail Form 8453?

Just in case this helps anyone (e.g. the OP next year) TaxAct allowed me to upload the pdf of the brokerage statement as a substitute 8949 and submitted it to the IRS with the e-file. Or at least that's what the program told me it was going to do. :D Perhaps next year TT will add this functionality....
by neurosphere
Sun Mar 19, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Taxact: How to file an attachemnt, not just notes
Replies: 2
Views: 299

Re: Taxact: How to file an attachemnt, not just notes

Why do you need to attach this info? You can always provide it if asked, right? Attachments in taxact are for your records, not to be included in an e-file (and as you found out, do not always print). The only attachment to a 1040 that I know for certain the IRS accepts is a brokerage 1099-B. These ...
by neurosphere
Sat Mar 18, 2017 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Turning down employer provided universal life insurance?
Replies: 26
Views: 2875

Re: Turning down employer provided universal life insurance?

Why would an employer want to provide an expensive whole life policy instead of a lower cost term life policy? Something seems very odd about this whole setup. I assume it is due to ignorance by the folks who made the decision? The employer provides (from memory) 1x salary in term life and 3.5x sal...
by neurosphere
Fri Mar 17, 2017 1:57 pm
Forum: Investing - Theory, News & General
Topic: Help with rebuttal to a Facebook post
Replies: 36
Views: 3989

Re: Help with rebuttal to a Facebook post

Starting a mutual fund requires a public filing with the SEC. Closing/merging a mutual fund also requires filing with the SEC. I have wondered whether there was an easy way to search for all mutual fund beginnings and ends for a particular firm. Because it would then be it might be easy to counter w...
by neurosphere
Wed Mar 15, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Recharacterization Issue That Confuses Vanguard
Replies: 9
Views: 540

Re: IRA Recharacterization Issue That Confuses Vanguard

There were other tIRA assets in the account, but they were rolled into my 401k with these funds and NOT rolled out again. So in effect, I have the ~2300 sitting in a rollover tIRA with my regular tIRA sitting empty. The original contribution was not/cannot be deducted, so I'm thinking if I were to ...
by neurosphere
Wed Mar 15, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: IRA Recharacterization Issue That Confuses Vanguard
Replies: 9
Views: 540

Re: IRA Recharacterization Issue That Confuses Vanguard

Actually, I believe that is exactly what the OP did wrong. It is my understanding that you can only rollover pre-tax assets from an IRA to a qualified plan. Sorry, I agree with you. To clarify, I agree that it was certainly wrong to roll the assets into a 401k. I was intending to correct only the t...
by neurosphere
Wed Mar 15, 2017 9:29 am
Forum: Investing - Theory, News & General
Topic: DALBAR report methodological flaws - Prof. Pfau
Replies: 29
Views: 2433

Re: DALBAR report methodological flaws - Prof. Pfau

I keep reading about what a bunch of idiots that individual investors are but the actual data from Vanguard and Fidelity from 401k accounts show that investors pretty much stayed the course during the 2008-2009 financial crisis. I don't know, I have seen the so-called professionals who should know ...
by neurosphere
Wed Mar 15, 2017 9:24 am
Forum: Investing - Help with Personal Investments
Topic: IRA Recharacterization Issue That Confuses Vanguard
Replies: 9
Views: 540

Re: IRA Recharacterization Issue That Confuses Vanguard

I don't have an answer to your question, but want to clarify/summarize your situation which I think might make it easier for others to help. 1) 2016: $2300 non-Roth IRA contribution which you are not eligible to deduct [have you filed taxes yet for 2016?] 2) $2300 from IRA --> traditional 401k. [Did...
by neurosphere
Tue Mar 14, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Turning down employer provided universal life insurance?
Replies: 26
Views: 2875

Re: Turning down employer provided universal life insurance?

Quarterly update?


The planning giving department contacted me and essentially said "we have to decline your gracious offer at this time". No real reason given. :(
by neurosphere
Tue Mar 14, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: My W-2 says I over contributed to my HSA; I didn't
Replies: 10
Views: 1179

Re: My W-2 says I over contributed to my HSA; I didn't

Oh, and if the HR doesn't cooperate, here is your recourse: https://www.irs.gov/help-resources/tools-faqs/faqs-for-individuals/frequently-asked-tax-questions-answers/irs-procedures/w-2-additional-incorrect-lost-non-receipt-omitted/w-2-additional-incorrect-lost-non-receipt-omitted-2 The IRS will send...
by neurosphere
Sat Mar 11, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: IBR Student Loans or Retirement Investing
Replies: 14
Views: 1149

Re: IBR Student Loans or Retirement Investing

I second the suggestion to look into the REPAYE plan. In addition to requiring only 10% of discretionary income (which will make a big difference if/when your income pushes you above the "zero" payment threshold), this plan includes an interest subsidy, which is (at minimum) half of any un...
by neurosphere
Wed Mar 08, 2017 9:57 pm
Forum: Personal Consumer Issues
Topic: Safest way to encrypt pdf tax documents to send via email?
Replies: 40
Views: 2314

Re: Safest way to encrypt pdf tax documents to send via email?

for sensitive documents (such as when I do tax prep for clients) I send them an email from an email service like microsoft 365 which allows for encryption. I send an encrypted email, and then any reply to that email is also encrypted, including attachments. (http://office365support.ca/setup-and-enab...
by neurosphere
Mon Feb 27, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Simplified Capital Gains Reporting
Replies: 2
Views: 381

Re: Simplified Capital Gains Reporting

But you can also still aggregate the totals, and simply attach a brokerage statement. My tax software allows me to upload a pdf copy of the brokerage statement with my e-file, rather than transcribing the info from the statement into the software. Below is a quote from the instructions of Form 8949 ...
by neurosphere
Sun Feb 26, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to find FICA taxes paid in a year?
Replies: 7
Views: 554

Re: How to find FICA taxes paid in a year?

So if I want to know federal income tax, SS tax, Medicare tax, Medicare surtax, and state and local tax so that I can calculate my effective tax rate, then I would add: State and local taxes from state tax return Federal income tax and Medicare surtax from federal taxes owed on page 2 of 1040 SS ta...
by neurosphere
Sun Feb 19, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Investing or Private Student Loans ($300K+ total student loans; $53K of which are private)
Replies: 7
Views: 694

Re: TSP Investing or Private Student Loans ($300K+ total student loans; $53K of which are private)

Why did you select the IBR plan for your federal loans, as opposed to REPAYE (if eligible, which most borrowers are)? With REPAYE, the payments are never higher than IBR (for those with high loan balances relative to salary) and you also get an interest subsidy each year, which is not dependent on P...
by neurosphere
Sun Feb 19, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on whether to transfer or sell an annuity (but with limited information)
Replies: 1
Views: 176

Advice on whether to transfer or sell an annuity (but with limited information)

Hi all, I'm helping a colleague with some financial stuff. It's a co-worker of mine who heard I knew something about finances and showed up at my office to ask for help. She is completing a divorce, receiving some funds from her husband's IRA which is being split, and is being pressured by her advis...
by neurosphere
Wed Feb 15, 2017 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Physician contract restrictive covenant
Replies: 23
Views: 1781

Re: Physician contract restrictive covenant

I know of a physician contract which has a two year non-compete restricting work within 20 miles of any facility they have. They have 200+ facilities in 5 contiguous states. In addition, the non-compete restricts "any business with which we feel is in direct competition with us" (paraphras...
by neurosphere
Thu Feb 09, 2017 4:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 317
Views: 16602

Re: Your USER NAME...what does it mean?

Leonidas, king of the Spartans. My father is Greek from near Sparta. Also, I do bear a resemblance to Gerard Butler who played the King in "300" so I go that too. My father is also greek and from near Sparta (Kyparissia). But I don't look like Gerard Butler. Probably more like Martin Shor...

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