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free annual credit report

When going through the annualcreditreport.com website, it gives you the option of getting either one or all three credit reports. Is it better to get all three at one time or just one at a time? It says once per year so I am a little confused as to if I pick one bureau now, the rest will be lost as ...
by Gemini
Wed Jan 01, 2014 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: free annual credit report
Replies: 8
Views: 825

Books on medical practice

Are there any good books on the subject matter of how to open and run a successful medical practice?
I searched the net and get random results...was wondering if anyone had any recommended hidden gems
by Gemini
Sat Dec 21, 2013 2:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Books on medical practice
Replies: 2
Views: 294

Re: Spirit Air?

Oops I didn't even see this thread before starting mine. [^^^ I merged this thread into here. --admin LadyGeek]

Synopsis : Stay away from Spirit!
by Gemini
Mon Dec 09, 2013 11:32 pm
 
Forum: Personal Consumer Issues
Topic: Spirit Air?
Replies: 33
Views: 1766

Spirit Airlines is THE worst!

Sorry, but I had to rant. Spirit is by far the worst airline that I have ever encountered. I fly quite often and have been on many airlines, but Spirit is by far the worst. They charge you for everything (and I mean everything), have the worst record for being on time, and have the worst customer se...
by Gemini
Mon Dec 09, 2013 11:31 pm
 
Forum: Personal Consumer Issues
Topic: Spirit Air?
Replies: 33
Views: 1766

Re: New 401K Carrier - new fund options

Thanks for the replies guys. placeholder - no company plan for this year yet. I may have one soon in July of 2014. What would rolling this over into IRA accomplish for me besides having more choices? duckie - 403b was from a previous job - let's say job A. Since leaving job A, I worked at another jo...
by Gemini
Sun Dec 01, 2013 2:57 am
 
Forum: Investing - Help with Personal Investments
Topic: New 401K Carrier - new fund options
Replies: 5
Views: 476

Re: New 401K Carrier - new fund options

Gemini , the following are the best/cheapest options in your new Principal 401k: ⋅ ( N/A ) Principal LargeCap S&P 500 Index Fund Separate Account (0.18%) ⋅ ( N/A ) Principal MidCap S&P 400 Index Fund Separate Account (0.18%) ⋅ ( N/A ) Principal SmallCap S&P...
by Gemini
Sat Nov 30, 2013 1:35 am
 
Forum: Investing - Help with Personal Investments
Topic: New 401K Carrier - new fund options
Replies: 5
Views: 476

New 401K Carrier - new fund options

Hi everyone, Recently, the 401K carriers got moved from Fido to Principal. I wanted to get insight as to which are wise choices. I want something aggressive, like 85-90%% stocks and 10-15% bonds, with some international options thrown in. I have about 23K invested in the following and it was done du...
by Gemini
Fri Nov 29, 2013 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401K Carrier - new fund options
Replies: 5
Views: 476

Re: Renting - The Boglehead Way

Talked to her about the $1 mil insurance on the lease - she had no clue about it. I am not sure what to believe, but I essentially changed it to 10K and she is okay with it 8-)
by Gemini
Sat Jun 22, 2013 11:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7747

Re: Renting - The Boglehead Way

Just read the contract again and they require a 1 million in renters insurance. I have never had renters insurance before. Who should I go with and about how much will this cost? Well if you go to geico you can probably get a quote... that said they only go up to $300,000... beyond that you have to...
by Gemini
Sun Jun 16, 2013 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7747

Re: Renting - The Boglehead Way

They also sent a W 9 form for me to fill out and this is where the security deposit will be kept. Is this standard procedure? Any downsides for me when filling this out? In many states, the landlord must keep the security deposit funds segregated, in separate bank accounts. The title on this bank a...
by Gemini
Sun Jun 16, 2013 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7747

Re: Home alarm security systems

Simplisafe vs fronpoint - anyone have any opinions on either of these?
by Gemini
Sun Jun 16, 2013 10:52 am
 
Forum: Personal Consumer Issues
Topic: Home alarm security systems
Replies: 21
Views: 2141

Re: Renting - The Boglehead Way

Just read the contract again and they require a 1 million in renters insurance.

I have never had renters insurance before. Who should I go with and about how much will this cost?
by Gemini
Sun Jun 16, 2013 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7747

Re: Renting - The Boglehead Way

Got the contract. Looks pretty standard.

They also sent a W 9 form for me to fill out and this is where the security deposit will be kept. Is this standard procedure? Any downsides for me when filling this out?
by Gemini
Tue Jun 04, 2013 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7747

Re: Renting - The Boglehead Way

Asked about lowering rent, and she said no - so whatever it's okay. It is already the cheapest rent in the neighborhood.

She will be sending the contract soon from her lawyer.

Should I get a lawyer as well to read the contract or is that going overboard?
by Gemini
Fri May 31, 2013 8:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7747

Re: Home alarm security systems

Thanks guys for the input. Reading some more about this stuff - very interesting. Do you guys have wired or GSM or internet or all of them as you preferred contact methods to the call center if something happens? The net recommends at least two of the three. Is is hard to do the DIY installs from pl...
by Gemini
Fri May 31, 2013 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Home alarm security systems
Replies: 21
Views: 2141

Re: Home alarm security systems

Thanks for the replies. Ideally, I would like to do it myself and go with a wireless system. I was researching a little and they certainly seem doable for an average person. The house has a lot of ground level windows and the equipment cost will be surely be higher. I recently contacted safemart for...
by Gemini
Fri May 31, 2013 11:36 am
 
Forum: Personal Consumer Issues
Topic: Home alarm security systems
Replies: 21
Views: 2141

Re: Renting - The Boglehead Way

Thanks for the input guys. I got further info and the deposit is actually one month's rent - not two.

I will look into renter's insurance and the handbook for my state.
by Gemini
Thu May 30, 2013 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7747

Home alarm security systems

After waiting longer than we should have, we are in the market to get our house fitted with an alarm security system. I was reading the net and it seems like most of the larger companies, such as ADT, use the same alarm monitoring towers/services when compared to the smaller mom/pop companies. We wi...
by Gemini
Thu May 30, 2013 5:46 pm
 
Forum: Personal Consumer Issues
Topic: Home alarm security systems
Replies: 21
Views: 2141

Moving Across USA

A friend of mine will be moving from MIchigan to the NJ/PA area in the near future. Moving with a house full of stuff but w/o any kids and about 6-700 miles. Can anyone recommend a good moving company? I was researching and have read some horror stories. Also, any wisdom shared about such a move is ...
by Gemini
Thu May 16, 2013 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Moving Across USA
Replies: 2
Views: 260

Re: Renting - The Boglehead Way

The landlady wants two months deposit b/c we have a small pet. Is it common to negotiate the rent? I found this place on craigslist and then went to see it. Haven been communicating via email and was wondering if it would be okay to see if the rent will go any lower. Good idea or no? How would I go ...
by Gemini
Tue May 07, 2013 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7747

Re: Renting - The Boglehead Way

The real estate company that owns the apartments around here has a policy where it's generally impossible to get the full security deposit back -- they always send in the painters & the crime-scene cleanup van when someone moves out, so that takes up most of the security deposit. Supposedly if ...
by Gemini
Tue May 07, 2013 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7747

Re: Renting - The Boglehead Way

Thanks for the input.

Is two months security deposit standard? I think that is what the owner of the house is asking, but I can confirm.
by Gemini
Tue May 07, 2013 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7747

Renting - The Boglehead Way

I will be moving out for the first time and will be renting a townhouse in a gated community. I have never rented before and wanted to get some input form the Boglehead sages. What advice would you give someone moving out for the first time? I will take any and all input regarding anything, especial...
by Gemini
Tue May 07, 2013 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7747

Re: SUV recommendations

To the OP, what is your budget? I was in a similar situation not too long ago, but w/o the need for a flip up third row. I didn't really have a budget and was willing to go as high as 100K (glad I didn't though haha). I test drove and researched a lot, including x5, x6, cayenne w/ various trims, Rx3...
by Gemini
Tue May 07, 2013 11:09 am
 
Forum: Personal Consumer Issues
Topic: SUV recommendations
Replies: 51
Views: 3957

Buying vs. Renting

In the process of moving out and am wondering what are some principles that one must consider in order to decide whether to buy or rent. I am in an area where rents are in the upward of 2K+/month. I realize that each circumstance is different (i.e. whether you have debt, plan to stay long term in th...
by Gemini
Sun Mar 03, 2013 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying vs. Renting
Replies: 3
Views: 558

Re: Backdoor Roth Q <sorry for being slow on the uptake>

Is it too late to do a backdoor roth for 2012?

Can you specify whether it is for 2012 or 2013 with Vanguard?
by Gemini
Sat Mar 02, 2013 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Q <sorry for being slow on the uptake>
Replies: 13
Views: 1098

Re: Roth IRA contribution for 2012

Is there a way to calculate my AGI from the W2 forms? I am not familiar with a 1040 form.

From looking at the two W2 forms and adding the "wages, tips, other comp." column my total comes to 133,550.
by Gemini
Sat Feb 09, 2013 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA contribution for 2012
Replies: 17
Views: 1724

Re: Roth IRA contribution for 2012

Instead of starting another thread, I figured I might as well ask in here (hope you don't mind bedrock!) 1. How do I determine my eligibility for 2012 Roth? I recently received my two W-2 forms from the two gigs that I have had in 2012. Do I just add the wages columns from both and see if it below t...
by Gemini
Sat Feb 09, 2013 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA contribution for 2012
Replies: 17
Views: 1724

Re: PenFed Visa Platinum Cash Rewards 5% Cashback on Gas

I thought the Cash Rewards rate was 0.25% on everything besides gas at the pump? I get the 5% rebate on the latter. Your 5/.25% rewards are for the Platinum Cash Rewards card which is the one mentioned in the title of this thread. The card that gives effectively 5/3/1 for gas/grocery/other is the P...
by Gemini
Mon Jan 07, 2013 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Visa Platinum Cash Rewards 5% Cashback on Gas
Replies: 21
Views: 1448

Re: PenFed Visa Platinum Cash Rewards 5% Cashback on Gas

Interesting. I have the same card and haven't paid close attention to whether I am getting 1 or 5 percent returns.

How do we go about finding out whether a place qualifies for 5 percent?
by Gemini
Mon Jan 07, 2013 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Visa Platinum Cash Rewards 5% Cashback on Gas
Replies: 21
Views: 1448

Re: Alternative to TD Student Checking

Thanks for the replies. I called and converted to TD convenience checking. I am using this to park an e-fund and so far have around 20K. Only downside it that it is 0%....
by Gemini
Sun Dec 30, 2012 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alternative to TD Student Checking
Replies: 9
Views: 558

Re: How do I get my free annual credit score

The free credit report annualy is from Jan till December? Or does it start from the time you last checked your score with one of the bureaus?

I checked my equifax in Sept 2012 and am wondering how long till my 12 months run out.
by Gemini
Sun Dec 30, 2012 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I get my free annual credit score
Replies: 28
Views: 3741

Re: Continue 401K contribution or not?

Thanks for the replies.

I will defer 401 and focus on paying off the high interest loans.
by Gemini
Sun Dec 30, 2012 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Continue 401K contribution or not?
Replies: 5
Views: 1014

Continue 401K contribution or not?

A little background - Just finished school and now have a 6 figure job, BUT tons of loans. Currently, student loans at around 300K with some absurd rates (i.e. about 30K at 11% and about a 100K at 9%), and a car loan at 1.49%. Have an e-fund saved and am throwing everything I can at the high interes...
by Gemini
Sun Dec 16, 2012 10:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Continue 401K contribution or not?
Replies: 5
Views: 1014

Re: How much are you giving to charity in 2012 ...

On a separate note, how much can you deduct from taxes w/o actually having to show proof that you actually gave to charity in 2012?
by Gemini
Wed Dec 05, 2012 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: How much are you giving to charity in 2012 ...
Replies: 21
Views: 1798

Re: Lowering student loan interests

No home and no peace corps. The 10% loan is private, but I think the others are federal. I guess I can search and see if I can get a better rate, but so far I am seeing like 8-9% - not a significant jump from 10... I make a decent income this year, but next year in June it will be cut by 1/5 and I a...
by Gemini
Wed Dec 05, 2012 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lowering student loan interests
Replies: 8
Views: 1132

Re: Lowering student loan interests

Thanks.

PSFL probably won't apply and I am already throwing as much towards these loans as I can.

Is taking out a personal loan a a good idea to pay some of these off?

What about credit union consolidation going via http://www.custudentloans.org/ ?
by Gemini
Tue Dec 04, 2012 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lowering student loan interests
Replies: 8
Views: 1132

Lowering student loan interests

What are some current strategies that I can use to lower interest on my student loans? I have the following loans with sallie mae that carry high interest rates: $27,157.07 @ 10.25% signature student loan $100,313.02 @ 8.25% graduate plus loan $50,000 @ 6.8% global heatlh stafford loan I have others...
by Gemini
Sun Dec 02, 2012 11:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lowering student loan interests
Replies: 8
Views: 1132

Re: Alternative to TD Student Checking

I have a couple online banks already. I would prefer somewhere I can just walk into to make deposits or take out large sums if needed.
by Gemini
Sun Nov 18, 2012 1:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Alternative to TD Student Checking
Replies: 9
Views: 558

Re: Alternative to TD Student Checking

I work full time and my check is already deposited directly into my USAA account. I use the TD bank to take chunks out of USAA via direct deposit to build my e-fund.
by Gemini
Sat Nov 17, 2012 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alternative to TD Student Checking
Replies: 9
Views: 558

Alternative to TD Student Checking

I have had this account for a long time and only recently have I begun using it to store my emergency fund. I like the fact that there are plenty of physical locations close to home and I can walk in to deposit or withdraw funds. Recently, I got a letter in the mail stating that this account will no...
by Gemini
Sat Nov 17, 2012 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alternative to TD Student Checking
Replies: 9
Views: 558

Re: [Portfolio Help] Starting a new job

If one funds their 401a or 401K over 17K by accident for this year, is there a penalty? And, if so, how are you penalized?
by Gemini
Tue Oct 02, 2012 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Portfolio Help] Starting a new job
Replies: 35
Views: 3319

Re: [Portfolio Help] Starting a new job

Gemini , you have some great choices in your 401k. The Spartan funds are all you need for a complete retirement portfolio. 500 Index and Extended Market at a four to one ratio give you the total US stock market. International and Emerging Markets at a three to one ratio give you most of the interna...
by Gemini
Fri Sep 28, 2012 6:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Portfolio Help] Starting a new job
Replies: 35
Views: 3319

Re: Starting a new job

Thanks again for the all the replies. The withholding game is tedious and I will just leave it alone and figure it out when tax day comes. On another note ( I figured I might as well ask here instead of creating a whole new thread), the job has a 401K w/ Fido and I am contributing aggressively to ma...
by Gemini
Sun Sep 23, 2012 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Portfolio Help] Starting a new job
Replies: 35
Views: 3319

Re: Starting a new job

My thoughts exactly Paul.

I am just trying to figure out how I can have the max at hand now. I would rather pay what I owe later to the govt rather than carrying high interest debt (anything over 10%).
by Gemini
Sat Sep 15, 2012 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Portfolio Help] Starting a new job
Replies: 35
Views: 3319

Re: Starting a new job

Thanks for the explanation cwied. I understand that the current withholdings are based on assumption and I am likely paying more in taxes now than I need to. I would rather have more money now as I have some high interest debt that I can pay off with the money rather than letting it sit with the gov...
by Gemini
Sat Sep 15, 2012 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: [Portfolio Help] Starting a new job
Replies: 35
Views: 3319

Re: Starting a new job

Looked at the paystub and wanted to update and get more input. For hours and earnings: 80hrs @ ~ 11500 Retirement: 1987.50 Taxes: FIT - 2432.99 Medicare - 167.31 SS - 485 State SDI - 23 State Family Leave - 9 State SIT - 580 State SUI - 50 This is with 2 deductions on the W2. What can I do to save m...
by Gemini
Fri Sep 14, 2012 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Portfolio Help] Starting a new job
Replies: 35
Views: 3319

Re: Best online savings account in 2011?

I am bumping this old post to get ideas for 2012. I want to start saving for an emergency fund and was wondering what bank or what kind of account I should use. Currently, my check will go directly into USAA checking. I can keep it there, but I'd rather have the money taken out so it is not visible ...
by Gemini
Thu Sep 13, 2012 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best online savings account in 2011?
Replies: 37
Views: 5827

Re: Starting a new job

Thanks for all the input.

I kept it simple and did only 2 deductions as recommended. I don't get my first check till about 2 weeks and will report back with what I get.
by Gemini
Sun Sep 02, 2012 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Portfolio Help] Starting a new job
Replies: 35
Views: 3319

Re: Getting rid of rootkits

Thanks for all the help. I had an IBM and just ended up doing a system restore. It was a pain to move everything over and then re-install win xp, but so far it is good. Keeping my fingers crossed!
by Gemini
Sun Sep 02, 2012 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Getting rid of rootkits
Replies: 47
Views: 6271
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