Search found 171 matches

by katnok
Sun Jun 28, 2020 4:29 pm
Forum: Personal Investments
Topic: Switched jobs: What to do with 403b from last job?
Replies: 2
Views: 221

Switched jobs: What to do with 403b from last job?

Switched jobs a couple of weeks ago, so debating the options regarding my 403b from my last job. My current situation is as follows: - MFJ / Age: 43 and 39 - 24% marginal tax bracket (expected to go down to 22% next year due to lower salary) - Have ~$325k in 403b (Standard retirement services) - Hav...
by katnok
Fri May 01, 2020 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to a different state: Any effect on the amount of 529 contribution I can deduct from state taxes?
Replies: 5
Views: 315

Re: Moving to a different state: Any effect on the amount of 529 contribution I can deduct from state taxes?

FiveK wrote: Fri May 01, 2020 11:51 am Is there anything in the instructions for the line on which the deduction is taken for part-year residents?
No, I haven't seen anything related to it.
by katnok
Fri May 01, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Moving to a different state: Any effect on the amount of 529 contribution I can deduct from state taxes?
Replies: 5
Views: 315

Moving to a different state: Any effect on the amount of 529 contribution I can deduct from state taxes?

We are relocating from PA to a different state this June. PA allows 529 contributions up to $15,000/kid/parent to be deducted from state taxes. Given the fact that we will be living in PA only half the year, will I still be able to deduct the maximum allowed per year from my 2020 taxes (to be filed ...
by katnok
Sat Dec 21, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Job opportunities in Healthcare IT Security - Seeking advice for spouse
Replies: 4
Views: 707

Job opportunities in Healthcare IT Security - Seeking advice for spouse

My wife, who has a Masters degree in Computer Science, is currently employed as a Network/Information Security Administrator at a small (~500 employees) healthcare system. She doesn't have any certifications, but working towards CompTIA certification to advance her career (with plans to get addition...
by katnok
Sun Sep 22, 2019 7:41 am
Forum: Personal Consumer Issues
Topic: Someone stole my wife's phone number (ie. ported to another carrier)
Replies: 57
Views: 7396

Re: Someone stole my wife's phone number (ie. ported to another carrier)

Cheez-It Guy wrote: Sun Sep 22, 2019 7:34 am ^^Well, did you check the provided IMEI against your own phone? Did it match or not?
No, it didn't match.
by katnok
Sun Sep 22, 2019 7:29 am
Forum: Personal Consumer Issues
Topic: Someone stole my wife's phone number (ie. ported to another carrier)
Replies: 57
Views: 7396

Re: Someone stole my wife's phone number (ie. ported to another carrier)

Exact same thing happened to me a couple of months ago. Same story and same network (Cricket). First time I called their customer service, I was told there were also other customers that experienced this issue and that it would take 48 hrs to resolve. I didn't believe the story, so I called an hour ...
by katnok
Wed Jun 19, 2019 9:31 am
Forum: Personal Consumer Issues
Topic: How to take care of this mold in the bathroom
Replies: 8
Views: 1261

Re: How to take care of this mold in the bathroom

Thank you all for the advice!

I'm not a handyman, so I guess I will have to get someone to do the job.

Not exactly sure how the water is getting there though. Will get this figured out to prevent recurrence.
by katnok
Wed Jun 19, 2019 7:48 am
Forum: Personal Consumer Issues
Topic: How to take care of this mold in the bathroom
Replies: 8
Views: 1261

How to take care of this mold in the bathroom

What is the right way to take care of this mold in one of our bathrooms?

https://i.postimg.cc/gkjtcPx3/IMG-5409.jpg
https://i.postimg.cc/ryngPYfs/IMG-5408-2.jpg

Thank you for your advice.
by katnok
Thu Jun 13, 2019 2:48 am
Forum: Personal Finance (Not Investing)
Topic: How much is your guys’ fees for your 401k?
Replies: 96
Views: 6532

Re: How much is your guys’ fees for your 401k?

0.8%/year of AUM. This year, I will be paying about $2400.
by katnok
Tue May 07, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: Indian cookbooks
Replies: 25
Views: 2947

Re: Indian cookbooks

+1 to Vahchef (Youtube channel) by Sanjay Thumma.
by katnok
Thu Mar 14, 2019 4:37 am
Forum: Personal Investments
Topic: Should we pay down 4% loan more quickly or invest in bonds?
Replies: 42
Views: 3602

Re: Should we pay down 4% loan more quickly or invest in bonds?

Her job is very secure. She is a family medicine doctor, which is in very high demand. She's also the assistant chief of her department at a major hospital system. I'm a software engineer and in high demand as well. Regarding no retirement contributions -- I guess I'd need to understand the calcula...
by katnok
Mon Dec 17, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Inadvertent disclosure of personal info by a lawyer
Replies: 18
Views: 2933

Re: Inadvertent disclosure of personal info by a lawyer

I'd want to know what were the specific circumstances that the inadvertent disclosure was made, and how did the clients find out. This.Also especially want to make sure that the lawyer followed up by personally spoke to the former client about it and confirmed that they did indeed delete the inform...
by katnok
Mon Dec 17, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Inadvertent disclosure of personal info by a lawyer
Replies: 18
Views: 2933

Re: Inadvertent disclosure of personal info by a lawyer

I'd want to know what were the specific circumstances that the inadvertent disclosure was made, and how did the clients find out. It's not exactly clear how this happened, but was told that the lawyer used wrong email ID while responding to the client's original email with all documents attached to...
by katnok
Sun Dec 16, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Inadvertent disclosure of personal info by a lawyer
Replies: 18
Views: 2933

Inadvertent disclosure of personal info by a lawyer

Posting for someone else. An immigration lawyer has disclosed personal info of a wife and husband, including DOBs and SSNs to someone who the lawyer claims to be a previous client. The lawyer has apologized and said the said client has been asked to delete the info. The couple have since contacted t...
by katnok
Tue Sep 25, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2891

Re: Flu shot reaction? Getting flu shot this year?

Have received one EVERY year for 11 years, and never had any reaction.

Please talk to your doctor for recommendations.
by katnok
Mon Aug 27, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: Planning for an Indian wedding In NY/ NH area.
Replies: 96
Views: 6529

Re: Planning for an Indian wedding In NY/ NH area.

Indian weddings can be really expensive. IMO, parents, more than bride and groom, care about how lavish the wedding has to be. It's their opportunity to show off what they have got. May be the OP can have a conversation with her parents and see if they can foot the bill. If they can afford and are w...
by katnok
Sun Jun 03, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: Switch between physicians in the same practice?
Replies: 40
Views: 3707

Re: Switch between physicians in the same practice?

As for the excellent reviews, I know of excellent physicians, who have been practicing for nearly 20 years without any reviews. Also know of physicians with not so great reviews, who are just as good, if not better.
by katnok
Sun Jun 03, 2018 6:08 am
Forum: Personal Consumer Issues
Topic: Switch between physicians in the same practice?
Replies: 40
Views: 3707

Re: Switch between physicians in the same practice?

Are you sure he was even a doc? PAs and Nurses wear white coats nowadays and walk around with a stethoscope around their neck. Easy to mistake them for a doctor. Some of them won’t even bother to correct you if you address them as doctor. Your surgeon might have PAs in his practice. You should call...
by katnok
Mon May 07, 2018 5:27 am
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 11876

Re: What career for smartest kid in the class?

And to the complaints about PA and NP providing services, do you realize that when your bank offshore their IT work to India, experienced people are laid off and replaced by a never ending rotation of recent college grads. Don’t be surprised when your bank/fund website is down, your ira rollover is...
by katnok
Sun May 06, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 11876

Re: What career for smartest kid in the class?

And to the complaints about PA and NP providing services, do you realize that when your bank offshore their IT work to India, experienced people are laid off and replaced by a never ending rotation of recent college grads. Don’t be surprised when your bank/fund website is down, your ira rollover is...
by katnok
Sun May 06, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 11876

Re: What career for smartest kid in the class?

I'm a Pediatrician, and certainly do not want my kids to become doctors. I love being a Pediatrician, but it's disheartening to see how many non-doctors with as little as 27 months of ONLINE training and 1-year of clinical rotations are being allowed to see children. To make things worse, these peo...
by katnok
Sun May 06, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 11876

Re: What career for smartest kid in the class?

I'm a Pediatrician, and certainly do not want my kids to become doctors. I love being a Pediatrician, but it's disheartening to see how many non-doctors with as little as 27 months of ONLINE training and 1-year of clinical rotations are being allowed to see children. To make things worse, these peop...
by katnok
Sat Apr 28, 2018 3:00 am
Forum: Personal Consumer Issues
Topic: How stressful is buying a home?
Replies: 56
Views: 5050

Re: How stressful is buying a home?

jaj2276 wrote: Fri Apr 27, 2018 3:14 pm Buying a home isn't stressful. Owning a home is. Home ownership sucks.
Absolutely. I hate being a home owner, but tolerating it for the family.
by katnok
Sat Apr 21, 2018 4:24 am
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 8117

Re: Factor in evaluating Physicians

4th year med student here, graduating next month-- My experience during 3rd/4th year rotations, in many private practice offices, is that most physicians are incredibly annoyed by Drug Reps. They come around 2-4 times/month wanting to show your their brochures, or even just to get a signature to pr...
by katnok
Sat Mar 31, 2018 5:25 am
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 135
Views: 35342

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

OldSport: I know exactly what you are going through. I just bought a 2018 Accord Touring with all the bells and whistles, and I'm happy with everything except the seat comfort. This is our 3rd Accord over the past 16 years, and I never thought I would be complaining about the seats. For me, it's jus...
by katnok
Mon Jan 08, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?
Replies: 20
Views: 1926

Re: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?

Thanks everyone.

We found a parking spot. Got here just about 9. There were still a good number of empty spots on the top of garage 2.
by katnok
Sun Jan 07, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?
Replies: 20
Views: 1926

Re: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?

tiredguy wrote: Sun Jan 07, 2018 8:43 pm Is parking in Gaithersburg and taking the MARC in an option?
Unfortunately, not. We won't get there on time to catch the last train.
by katnok
Sun Jan 07, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?
Replies: 20
Views: 1926

Re: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?

You should probably be fine but not 100% guaranteed. If it is all booked up, head down 270 a bit more and get off and park at Twinbrook. See here: https://ggwash.org/view/38790/which-metro-parking-lots-fill-up-and-which-dont Yes, considered this option as well, but likely we may face the same probl...
by katnok
Sun Jan 07, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?
Replies: 20
Views: 1926

Re: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?

Nearing_Destination wrote: Sun Jan 07, 2018 7:09 pm about the same likelihood as the M25 being clear all the way to Heathrow....


hey, Livesoft, how likely is that?
I'm familiar with M25. Last time I drove on this motorway was 11 years ago. Traffic was terrible. I guess it's worse now.
by katnok
Sun Jan 07, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?
Replies: 20
Views: 1926

Re: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?

Jcraz13 wrote: Sun Jan 07, 2018 7:03 pm Whatever the parking situation, stay the course ! :sharebeer
That's a good one.

In fact, staying the course (i.e. driving down all the way to downtown) is what we are going to do, if we run out of luck.
by katnok
Sun Jan 07, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?
Replies: 20
Views: 1926

Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?

We have a day trip planned from Hagerstown, MD area to downtown DC tomorrow (1/8/18). Planning on driving to Shady Grove Metro station, MD, then take the metro to downtown.

What are the chances of finding parking at Shady Grove Metro Station around 8.30-9am?

Thank you.
by katnok
Sat Jan 06, 2018 9:36 pm
Forum: Personal Investments
Topic: Shall I buy a one B/B apt in Bay Area? Help needed, please.
Replies: 18
Views: 1933

Re: Shall I buy a one B/B apt in Bay Area? Help needed, please.

Times are different. I would not purchase a property while on h-1b. There are just too many unknowns. +1 Completely agree. Right now, those who are on H1b have no idea what their future holds as there is speculation that there will not be visa extensions beyond 6 years (even if you are in line for ...
by katnok
Sat Nov 18, 2017 6:56 pm
Forum: Personal Investments
Topic: 529 or not 529?
Replies: 21
Views: 2578

Re: 529 or not 529?

loklav wrote: Sat Nov 18, 2017 6:48 pm
- we are not yet US citizen, so she could potentially go study in a different country

She does not have to be a citizen. As long as she is a permanent resident, she should be fine.

What's her current status? H4 or a legal permanent resident?
by katnok
Mon Nov 13, 2017 7:04 pm
Forum: Personal Investments
Topic: 529 Contribution limit for 2018
Replies: 2
Views: 1173

Re: 529 Contribution limit for 2018

Thank you, chadnudj.

I live in PA, which allows the full amount to be deducted from state taxes.
by katnok
Mon Nov 13, 2017 1:08 pm
Forum: Personal Investments
Topic: 529 Contribution limit for 2018
Replies: 2
Views: 1173

529 Contribution limit for 2018

I see that annual gift tax exclusion for 2018 is $15,000.
Based on this, is it correct to assume that I can contribute upto $15,000 to a 529 account in 2018?

Thank you.
by katnok
Fri Aug 11, 2017 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 23742

Re: Life at crossroads. What would you do ?

OP's reluctance to move to a LCOL is not uncommon, at least not among educated immigrant community. Having lived in this country for a little over 10 years, and with a good number of friends and family members working in Tech industry, my observation is that folks living in HCOL areas such as Bay Ar...
by katnok
Thu Aug 10, 2017 9:19 am
Forum: Personal Investments
Topic: Portfolio Review
Replies: 13
Views: 1787

Re: Portfolio Review

Frenchy, Are you in primary care, such as Pediatrics? $175k/yr is on the lower side, even for primary care. Primary care salaries have gone up considerably in recent years, and definitely there are jobs that pay you well above (in the range of 225-250k) that plus take care of part of your loans (PSL...
by katnok
Sat Jul 01, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 31004

Re: Buying house - Very important decision

Given the size of the house, it's nearly certain that you will be spending at least 20k, if not more on furniture and related items. We bought a new house last year that has 24 windows altogether. We furnished all except 6 with Levlor blinds, which cost us 2k, and my wife wants the furnish the rest ...
by katnok
Thu Jun 29, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 31004

Re: Buying house - Very important decision

prettybogle, Do not rush to buy a house. As a single income (~200k/yr) family with 2 kids, we rented for 6 years before buying a house. Finally, we bought one last year after my wife also started working taking our HHI to 300K/year. We saved a lot while renting, taking our net worth from nearly zero...
by katnok
Thu May 11, 2017 5:09 am
Forum: Personal Consumer Issues
Topic: Do we need a separate water filtration system?
Replies: 13
Views: 1759

Re: Do we need a separate water filtration system?

lthenderson wrote: I would be shocked if it cost more than $200 total so I would recommend getting other quotes for a water filtration system. $1000 sounds high to me.
I checked online, and there are some that are in $200-400 range, but not sure if they require professional installation.
by katnok
Thu May 11, 2017 5:06 am
Forum: Personal Consumer Issues
Topic: Do we need a separate water filtration system?
Replies: 13
Views: 1759

Re: Do we need a separate water filtration system?

Are you on a well? If not then it's probably not needed. If you are, get your water tested. We have a reverse osmosis, we're in a well, the water can get pretty smelly without it. No, we are not, but the source is a well (or wells) owned and operated by the township. Will get the water tested, but ...
by katnok
Wed May 10, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Do we need a separate water filtration system?
Replies: 13
Views: 1759

Do we need a separate water filtration system?

Where we live, the water is hard (about 10 grains per gallon), so we got a water softer installed about 6 months ago. The installer also recommended an under sink water filter for drinking water. Estimated cost is about $1000 for a system with a capacity of 3 gallons. It filters about 100 gallons/da...
by katnok
Fri Mar 17, 2017 5:14 am
Forum: Personal Consumer Issues
Topic: Medical treatment in US for non US citizen
Replies: 50
Views: 6284

Re: Medical treatment in US for non US citizen

sam101,

How old is your niece? And if you do not mind sharing, what's her diagnosis?

This information might be helpful to check to see if the cost you mentioned is reasonable (if you are going to pay from your pocket), and also if she necessarily needs to be treated in the US.
by katnok
Fri Jan 27, 2017 9:22 pm
Forum: Personal Investments
Topic: Warning: Max out 401k early - lose some of the match
Replies: 46
Views: 6379

Re: Warning: Max out 401k early - lose some of the match

Krick, That's exactly hpw our 403b works. No true-up. Contribution rate has to be a whole percentage point. And we can not do a dollar amount. I brought it up with our HR, but was told they were not going to change any of that. What I do is, contribute the minimum to get the maximum match until some...
by katnok
Sun Oct 09, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: Luxury Cars - Am I missing out on creature comforts by not driving one?
Replies: 92
Views: 11594

Re: Luxury Cars - Am I missing out on creature comforts by not driving one?

OP here. After reading all the replies, I have decided to go ahead and test drive one (Probably Acura) sometime next year. Neither I nor my wife care for the "status" aspect of driving a luxury car. I just wanted to see if they offered additional comforts and driving pleasure (apart from b...
by katnok
Fri Oct 07, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: Luxury Cars - Am I missing out on creature comforts by not driving one?
Replies: 92
Views: 11594

Re: Luxury Cars - Am I missing out on creature comforts by not driving one?

Thank you. 1. No, I'm not contemplating buying a luxury car just because I can afford one, but I have had the "itch" for a while :D, so will pull the plug only if it adds value. 2. I have thought about test driving, but I'm not sure if it gives a good idea about what its like to drive long...
by katnok
Fri Oct 07, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: Luxury Cars - Am I missing out on creature comforts by not driving one?
Replies: 92
Views: 11594

Luxury Cars - Am I missing out on creature comforts by not driving one?

First off, I have never driven a luxury car, hence this post. Currently, we drive a 2007 Accord and 2011 Odyssey. There are no issues with them. I/we believe we can afford a luxury vehicle (such as Acura/Lexus), but I'm not willing to buy one unless they offer so much more than what our current cars...
by katnok
Thu Aug 18, 2016 4:29 am
Forum: Personal Consumer Issues
Topic: Medical Billing Question - Hospital Discharge Instructions led to acetaminophen OD
Replies: 69
Views: 8550

Re: Medical Billing Question - Hospital Discharge Instructions led to acetaminophen OD

I'm also interested in knowing the instructions.
Can you please post the exact instructions and weight of your child on the day of the discharge?
by katnok
Sun Aug 14, 2016 5:49 am
Forum: Personal Investments
Topic: Vanguard reps are giving conflicting information regarding opening account as non resident alien
Replies: 17
Views: 2458

Re: Vanguard reps are giving conflicting information regarding opening account as non resident alien

Actually it seems shockingly unfair if NRA's can contribute to IRAs for several reasons: 1) NRAs don't pay taxes on global income like citizens do, so they would be eligible for ROTH contributions even when their total global income would push a citizen into ineligibility This is not correct. As I ...