Search found 870 matches

by Gemini
Thu Jul 13, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1984
Views: 331797

Re: What's Your Credit Card Rewards Strategy?

Any input on how to best get a last minute flight out of EWR - MIA first class for this saturday? We have tons of chase UR points. Should we just use the points and book via chase.com or are there better alternatives?
by Gemini
Sun Jun 18, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Building a semi-custom home
Replies: 1
Views: 393

Building a semi-custom home

We are in the market and came across a community where a very reputable builder is offering a semi-custom build. They basically have 6 base model homes, with 3-4 additional offering in each home that one chooses. Once that is chosen, the buyer can then add internal changes as well as offered structu...
by Gemini
Sat Jun 10, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 3439

Re: Suit for residency interviews

You want a suit - not just a "residency interview" suit. A suit that you can wear once interviews are done. Color: Navy. Shirt: Plain White or Sky Blue. Tie: Conservative color. Shoes: Black cap toe oxfords. 1. Get a suit from Suit Supply: http://us.suitsupply.com/en_US/home - easy return/...
by Gemini
Wed Jun 07, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1984
Views: 331797

Re: What's Your Credit Card Rewards Strategy?

Is there a "best" card to make quarterly tax payments? I have a large bill coming up and trying to see if there is anything out there worth considering. Right now, we have Chase Sapphire Reserve x 2 and Chase Freedom plus Chase Freedom Unlimited. AMex Blue Cash Preferred for groceries and...
by Gemini
Wed Jun 07, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1984
Views: 331797

Re: What's Your Credit Card Rewards Strategy?

Is there a "best" card to make quarterly tax payments? I have a large bill coming up and trying to see if there is anything out there worth considering. Right now, we have Chase Sapphire Reserve x 2 and Chase Freedom plus Chase Freedom Unlimited. AMex Blue Cash Preferred for groceries and ...
by Gemini
Thu May 04, 2017 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Home Bias and International Allocations
Replies: 11
Views: 825

Re: Home Bias and International Allocations

Larry Swedroe when I asked about how much I should tilt to international (from a thread long ago): Gemini There is no "right" answer to your question. To learn how to think about finding the right answer for you suggest you read The Only Guide You'll Ever Need for the Right Financial Plan-...
by Gemini
Wed May 03, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Cost of Estate Planning
Replies: 33
Views: 4350

Re: Cost of Estate Planning

I believe something missing here is the value of the long-term relationship with an estate planning attorney or firm. My initial encounter with my attorney was because we needed a will. 5 or 6 years later, our assets had changed and we went in for a review. We made a few adjustments and received a ...
by Gemini
Tue May 02, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Question for Alan S. /CPAs/ Tax Lawyers - Affiliated Service Group rules
Replies: 4
Views: 563

Re: Question for Alan S. /CPAs/ Tax Lawyers - Affiliated Service Group rules

I am currently part owner (6.5%) of a medical practice, where my income is generated from direct patient care. This practice has a 401k in place, into which I contribute the max employee share and the practice contributes a discretionary match annually. In addition, I do independent medical consult...
by Gemini
Mon May 01, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Help
Replies: 9
Views: 1094

Re: Estate Planning Help

... Are above what any estate planning attorney would recommend? Trying to figure out if there is a "standard" of practice in the field or whether multiple options exist The provision for your children is standard. You wouldn't leave $2 million to $6 million to a baby outright. You would ...
by Gemini
Mon May 01, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Help
Replies: 9
Views: 1094

Re: Estate Planning Help

bsteiner wrote:
Gemini wrote:... Are above what any estate planning attorney would recommend? Trying to figure out if there is a "standard" of practice in the field or whether multiple options exist


To limit the number of branches, what state are you in?


PM
by Gemini
Mon May 01, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Question for Alan S. /CPAs/ Tax Lawyers - Affiliated Service Group rules
Replies: 4
Views: 563

Question for Alan S. /CPAs/ Tax Lawyers - Affiliated Service Group rules

I am currently part owner (6.5%) of a medical practice, where my income is generated from direct patient care. This practice has a 401k in place, into which I contribute the max employee share and the practice contributes a discretionary match annually. In addition, I do independent medical consulta...
by Gemini
Mon May 01, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Help
Replies: 9
Views: 1094

Re: Estate Planning Help

Baby on the way and figured it was time to get estate plan as well as asset protection in order. I will likely be using a lawyer and want to be an educated consumer so as not to get taken advantage of. Don't think I have anything fancy here. Couple, child on the way, some student loans, a few asset...
by Gemini
Sun Apr 30, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Help
Replies: 9
Views: 1094

Re: Estate Planning Help

You will need to think about who will be guardian to child, and who will handle the child's money if you both are gone. Someone you can trust with your child's money and someone you can trust to raise your child may not be the same person. There are some helpful books on the subject. The Nolo Willm...
by Gemini
Sat Apr 29, 2017 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Help
Replies: 9
Views: 1094

Estate Planning Help

Baby on the way and figured it was time to get estate plan as well as assert protection in order. I will likely be using a lawyer and want to be an educated consumer so as not to get taken advantage of. Don't think I have anything fancy here. Couple, child on the way, some student loans, a few asset...
by Gemini
Sat Apr 29, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 2815

Re: Help with computer from IT folk

The computer will be used to do work as well as for personal use. We are a medical practice and our EMR is online. EMR can be accessed from any machine anywhere so there is no security issue. I would mainly use for Dragon Medical Practice as my laptop cannot handle due to lack of resources, a small ...
by Gemini
Sat Apr 29, 2017 12:46 am
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 2815

Re: Help with computer from IT folk

Bingo. It was the DNS servers. I was able to change to obtain auto and now I can access websites. Thanks all.

What else do you all advise to make sure machine is free of junk and bloatware?

Any recaps for an anti virus?

Should I go to Win 10?
by Gemini
Fri Apr 28, 2017 11:56 pm
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 2815

Re: Help with computer from IT folk

Novine wrote:Can you try one more thing? See if you can browse to these sites:

http://www.cnn.com/

http://www.pcworld.com/

https://www.yahoo.com/


None work on any browser. Chrome says server DNS could not be found
by Gemini
Fri Apr 28, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 2815

Re: Help with computer from IT folk

I also have been trying to uninstall Symantec Endpoint Protection Small Biz Edition, but no luck. I read online to try regular windows uninstall, if no go Norton Removal Tool, if no go clean wipe symantec utility. I did the first two, but the last asks for serial number and I cannot find it on the m...
by Gemini
Fri Apr 28, 2017 11:32 pm
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 2815

Re: Help with computer from IT folk

"I did this in safe mode and it took me to a pop-up asking for pass and login, which mine did not work. Then it directed to a 401 unauthorized page" What was the address that appeared in the browser when you saw this? A pop appeared stating "http://67.209.71.245 requires username and...
by Gemini
Fri Apr 28, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 2815

Re: Help with computer from IT folk

What's running in the taskbar? Perhaps you have McAfee or another program running in the background which is restricting access. Let's step back a bit. Boot into Safe Mode which will disable your startup programs. See if you can access the internet from there. If you can't run Safe Mode, you don't ...
by Gemini
Fri Apr 28, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 2815

Re: Help with computer from IT folk

A clean install means you have the installation media (DVD, etc.) for the OS and all the programs on the PC. The only thing that "transfers" on clean install is when you restore your documents and data from a backup. If you don't have your data backed up, stop and do one now. Did your IT ...
by Gemini
Fri Apr 28, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 2815

Help with computer from IT folk

I was given a computer from work to bring home so I can use it as a personal machine. The IT fellow was supposed to do a clean install, but, for whatever reason, this didn't happen. I now have an all-in-one Lenovo ThinkCentre machine at home with Win 7 Pro Edition. For one, I cannot get it to connec...
by Gemini
Thu Apr 27, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Baby on the way checklist
Replies: 34
Views: 3095

Re: Baby on the way checklist

So I reached out to an estate attorney. He recommended Wills, Health Care Documents and Financial Powers of Attorney along with trusts created in Wills being the beneficiary life insurance policies. All of this is new to me. Sound about right? Quote is 2.5k
by Gemini
Wed Apr 26, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Baby on the way checklist
Replies: 34
Views: 3095

Re: Baby on the way checklist

Looks like it is worth it to sit down with an estate lawyer and get all of the paperwork settled with peace of mind.

On the fence about 529, think I may just do enough to get the state tax deduction and forget the rest.

Appreciate all of the responses.
by Gemini
Sun Apr 23, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Baby on the way checklist
Replies: 34
Views: 3095

Re: Baby on the way checklist

Thanks all for the feedback. Already have a camera, but I do need to learn on how to best use it. Should I setup all of this prior ASAP or wait until after the baby arrives? Also, should I see a lawyer prior to getting term life? The insurance agent mentioned this a I may want to setup a trust and p...
by Gemini
Sat Apr 22, 2017 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Baby on the way checklist
Replies: 34
Views: 3095

Baby on the way checklist

We are expecting shortly! Lots of changes coming and wanted to make sure financial house is in order. Disability insurance is in place as is umbrella, renters, auto.

We do not have life insurance or wills. Do I need to see an estate lawyer?

Appreciate input on anything and everything.
by Gemini
Sat Apr 22, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Insurance Agent requesting tax returns
Replies: 2
Views: 518

Insurance Agent requesting tax returns

I have a disability policy in place for spouse and myself. We are looking to determine if we are eligible for more. The DI agent is requesting copies of W2s, 1040 form plus all schedules. Is this the usual? Never gone down this road before and want to make sure this is the standard protocol.
by Gemini
Sun Apr 16, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: international small cap value fund
Replies: 31
Views: 3918

Re: international small cap value fund

Bumping this.

Any new players in this field? I am looking to make the move in tax deferred and considering GWX vs SCHC vs FNDC

Also want some EM - considering EWX
by Gemini
Sun Apr 16, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: International Portfolio Tilt
Replies: 18
Views: 2119

Re: International Portfolio Tilt

For all you that tilt to intl and EM, what funds do you use? Like OP, I'm trying to get Intl In my portfolio up to at least 50+%. If going Intl, IMO, it's prudent to lean towards SC or V as otherwise you may just be getting majority of the large US companies. But hard to capture Intl SCV or EM due t...
by Gemini
Sun Apr 16, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: LLC - Adding Partner, Splitting income, Operating Agreement etc
Replies: 11
Views: 951

Re: LLC - Adding Partner, Splitting income, Operating Agreement etc

Only downside I see is the LLC would need to be dissolved. I will def inquire about the QJV with my accountant soon. Is there a deadline to establish this or a partnership?
by Gemini
Sun Apr 16, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: 401K at Fidelity - International SCV and EM Funds/ETF
Replies: 7
Views: 610

Re: 401K at Fidelity - International SCV and EM Funds/ETF

Will look into the ones mentioned. Not many choices when it comes to Inl SCV and EM.

When Fido says "commission free", is it just a one time fee of $8?
by Gemini
Sun Apr 16, 2017 8:15 am
Forum: Investing - Help with Personal Investments
Topic: 401K at Fidelity - International SCV and EM Funds/ETF
Replies: 7
Views: 610

Re: 401K at Fidelity - International SCV and EM Funds/ETF

It is a solo 401k. I can purchase any funds or ETFs Fidelity offers.

Ideal would be DISVX, but not avail at Fido.
Thoughts on SCHC or EWX?
by Gemini
Sat Apr 15, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: 401K at Fidelity - International SCV and EM Funds/ETF
Replies: 7
Views: 610

401K at Fidelity - International SCV and EM Funds/ETF

I have some cash in a 401K at Fidelity. Plan is to invest all of these funds in Intl SCV and 1/3 of that EM. Any thoughts on which funds or combo funds best fit or recommended?
by Gemini
Fri Apr 07, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: LLC - Adding Partner, Splitting income, Operating Agreement etc
Replies: 11
Views: 951

Re: LLC - Adding Partner, Splitting income, Operating Agreement etc

If one goes with qualified joint venture, from my understanding, there is no way to allocate income so each spouse benefits maximally and there is max capture of profit sharing. Joint venture may be best if each spouse makes the same 1099 income, but no so good if one makes significantly more. A sce...
by Gemini
Tue Apr 04, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: LLC - Adding Partner, Splitting income, Operating Agreement etc
Replies: 11
Views: 951

Re: LLC - Adding Partner, Splitting income, Operating Agreement etc

If you convert the single member LLC to a multi-member LLC, you will not each be sole proprietors filing a Schedule C/SE. By default the IRS will treat a multi-member LLC as a partnership. The partnership will have to file a partnership return on Form 1065, reporting each of your incomes on a Sched...
by Gemini
Mon Apr 03, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: LLC - Adding Partner, Splitting income, Operating Agreement etc
Replies: 11
Views: 951

LLC - Adding Partner, Splitting income, Operating Agreement etc

I currently have a one member (me) LLC setup as a disregarded entity or sole proprietorship. I never actually wrote an Operating Agreement. Now, I am considering adding spouse to LLC, making it a partnership. From my readings, most suggest drafting an operating agreement. Can I just get something co...
by Gemini
Sat Mar 25, 2017 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Planning 2017 Help – S corp? Multi-member LLC? Solo 401K? Etc. etc.
Replies: 1
Views: 182

Tax Planning 2017 Help – S corp? Multi-member LLC? Solo 401K? Etc. etc.

Our current setup: Spouse 1: Partner in a practice setup as S corp and gets W2 income. There is a 401k setup here where employEE max contribution is made. EmployER then matches based on productivity like 6-7K/year – let’s say total was $25K for 2016. Also, has single member LLC taxed as sole proprie...
by Gemini
Wed Mar 08, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Safest way to encrypt pdf tax documents to send via email?
Replies: 40
Views: 2924

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

Sounds like a password pdf may be sufficient. Any recommended programs for that?
by Gemini
Wed Mar 08, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Safest way to encrypt pdf tax documents to send via email?
Replies: 40
Views: 2924

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

I am not sure if I need encryption. I think a password will suffice. Correct? If your goal is to satisfy an arbitrary rule imposed by your accountant password protection might suffice. If your goal is to protect any personal information in the file from nefarious people who might intercept the file...
by Gemini
Wed Mar 08, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Safest way to encrypt pdf tax documents to send via email?
Replies: 40
Views: 2924

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

PGP encrypt then send via email. You and your accountant will need a PGP client like gpg. ETA: Other option is to put into a file sharing service like dropbox and require a password. Send him a link and when he's confirmed he's received it, remove the file. Can you explain further how I PGP encrypt?
by Gemini
Wed Mar 08, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Safest way to encrypt pdf tax documents to send via email?
Replies: 40
Views: 2924

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

Working with a new accountant, who is requesting I send my tax documents via email. I can scan and make pdf and then send. Thoughts on how best to secure this transaction? Accountant does not have an upload portal, etc etc. Email seems to be it. Ideas? Do you need actual encryption, or would a &quo...
by Gemini
Wed Mar 08, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Safest way to encrypt pdf tax documents to send via email?
Replies: 40
Views: 2924

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

Working with a new accountant, who is requesting I send my tax documents via email. I can scan and make pdf and then send. Thoughts on how best to secure this transaction? Accountant does not have an upload portal, etc etc. Email seems to be it. Ideas?
by Gemini
Sun Mar 05, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Which eReader to purchase?
Replies: 38
Views: 2351

Which eReader to purchase?

In the market for eReader. Getting hard to travel with books. Looking for something that won't or minimally strain the eyes. I don't really need all the bells and whistles but, if they enhance the reading, I am open to it as this will likely last a while. Do you use eReader? Suggestions on which one...
by Gemini
Tue Feb 07, 2017 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help with picking funds and rebalancing across multiple accounts
Replies: 25
Views: 1868

Re: Help with picking funds and rebalancing across multiple accounts

fundseeker wrote:So, someone wrote, "IN addition, IJS [iShares S&P Small-Cap 600 Value ETF] comes recommended by Larry S." Just so you know, Vanguard offers this almost identical fund: Vanguard S&P Small-Cap 600 Value ETF (VIOV)


Good to know.
by Gemini
Mon Feb 06, 2017 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help with picking funds and rebalancing across multiple accounts
Replies: 25
Views: 1868

Re: Help with picking funds and rebalancing across multiple accounts

I guess I am suggesting that you set up one of your tax-deferred accounts as your primary account for rebalancing, but if needed, you can also use another account for rebalancing. A corollary of that statement is that you can set up most of your accounts to not need any touches during rebalancing. ...
by Gemini
Mon Feb 06, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help with picking funds and rebalancing across multiple accounts
Replies: 25
Views: 1868

Re: Help with picking funds and rebalancing across multiple accounts

Except the account I am thinking of doing this with (TIAA) has very limited choices. The others do not really have enough in them (yet) to make a dent on the portfolio. I think you may have a misunderstand. Since rebalancing exchanges usually involve (at least for me) less than 3% of assets, an acc...
by Gemini
Mon Feb 06, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Help with picking funds and rebalancing across multiple accounts
Replies: 25
Views: 1868

Re: Help with picking funds and rebalancing across multiple accounts

So in other words, you can do something like I do: I have one account where all rebalancing is performed. It has every asset class: bonds, stocks, US, foreign, total, small, whatever. All my other accounts are not used really for rebalancing. I just keep buying the same things in them and essential...
by Gemini
Mon Feb 06, 2017 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help with picking funds and rebalancing across multiple accounts
Replies: 25
Views: 1868

Re: Help with picking funds and rebalancing across multiple accounts

I think you should minimize bonds in Roths unless you believe the stock market will drop a lot. Would it be wise to ONLY hold bonds in the TIAA 401/457? If all your desired bond funds fit into these accounts and you could do rebalancing somehow, then I don't see why not. But I am not sure that your...
by Gemini
Mon Feb 06, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Does anybody else out there still pay for an email address?
Replies: 73
Views: 7110

Re: Does anybody else out there still pay for an email address?

I was on the verge of paying for an email but then I came across Protonmail. I see no need to pay as I now use Protonmail. It is free, secure, and has a mobile app. There is also a paid version which affords one more storage. I see no reason to pay for email at this point.

Go to advanced search