Search found 812 matches

by Gemini
Tue Jan 10, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Prime Photos - feedback and tips
Replies: 1
Views: 282

Prime Photos - feedback and tips

Anyone use prime photos with an iPhone? I just started using it yesterday and would like feedback. Seems nice as I already have prime and can link up to 6 family members with unlimited picture storage and 5gb each for vids. Some questions: 1. If I delete photo off iphone, does it get deleted off the...
by Gemini
Sat Jan 07, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Do we need disability insurance
Replies: 28
Views: 2596

Re: Do we need disability insurance

My guess is Gemini was asking about deducting the premiums for an individual policy. The answer is simple, the IRS doesn't allow individuals, sole-proprietors or S-Corps to deduct individual disability insurance premiums. Only C-Corporations are allowed to deduct the premiums for individual disabil...
by Gemini
Sat Jan 07, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Small fender bender - pay or use insurance?
Replies: 13
Views: 865

Re: Small fender bender - pay or use insurance?

Thanks all. Will advise friend to stay put and ignore text messages.
by Gemini
Fri Jan 06, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Small fender bender - pay or use insurance?
Replies: 13
Views: 865

Re: Small fender bender - pay or use insurance?

I figured so but what if the other guys cancels claim? Would that make it better for driver?
by Gemini
Fri Jan 06, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: Small fender bender - pay or use insurance?
Replies: 13
Views: 865

Re: Small fender bender - pay or use insurance?

You say he slid into the car in front of him. How is the other driver "at fault"? It appears your friend is at fault. In any event it seems to be a mute point right now as the other party filed a report with his insurance carrier who will soon be in contact with your friends carrier. If I...
by Gemini
Fri Jan 06, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Small fender bender - pay or use insurance?
Replies: 13
Views: 865

Small fender bender - pay or use insurance?

Friend got into a fender bender today while I was in the car. Going about 5 mph on ice and the car slid into the car in front. Very little damage if all. Plan was to go outside insurance but the at fault other party filed a GEICO claim on my friend's insurance. No big deal - that's what insurance is...
by Gemini
Fri Jan 06, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Help with picking funds and rebalancing across multiple accounts
Replies: 14
Views: 870

Re: Help with picking funds and rebalancing across multiple accounts

When doing such re-balancing does it matter if the bonds, for example, only end up in one account? Also, any advantage as to what ends up in what account i.e. SCV vs EM vs Large Cap? If one large tax-deferred account can hold all desired asset classes, then all the other accounts can have a single ...
by Gemini
Fri Jan 06, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need disability insurance
Replies: 28
Views: 2596

Re: Do we need disability insurance

BruDude wrote:....


A little off topic - I read that if you pay for disability insurance with pre-tax dollars, and you end up collecting, the money comes out as taxed. Is that true? How does the company i.e. Guardian verify that one did or did not pay the premium pre or post tax?
by Gemini
Fri Jan 06, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help with picking funds and rebalancing across multiple accounts
Replies: 14
Views: 870

Re: Help with picking funds and rebalancing across multiple accounts

But I am open to suggestions and advice on what exact funds to pick! I own VSIAX / VBR / and IJS. Do not become a moth fluttering to the nearest hot lamp. VSIAX / VBR/ VIOV / IJS are really not different enough to change anything just because somebody likes one or the other. There might be other re...
by Gemini
Mon Dec 26, 2016 10:00 pm
Forum: Investing - Theory, News & General
Topic: How Much To Tilt To Small Value?
Replies: 153
Views: 15434

Re: How Much To Tilt To Small Value?

Gemini In isolation you have the loadings as you list them. To figure out the portfolio's allocation you multiple the % of the portfolio that the fund holds. So individually you have very high loadings on especially beta and value, never seen a value loading even close to 1 for a long only fund. No...
by Gemini
Mon Dec 26, 2016 6:57 pm
Forum: Investing - Theory, News & General
Topic: How Much To Tilt To Small Value?
Replies: 153
Views: 15434

Re: How Much To Tilt To Small Value?

Larry (or anyone)

Forgive me if this seems basic, but I ran RZV as you suggested at PV and got the following:

Bmkt 1.22
Bsize 1.31
Bval 1.01

Let's assume I have 10% of this fund in my portfolio.

What percent load do I have to market, size and value from this fund alone?
by Gemini
Mon Dec 12, 2016 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Help with picking funds and rebalancing across multiple accounts
Replies: 14
Views: 870

Re: Help with picking funds and rebalancing across multiple accounts

I disagree with the idea that one should make the Roths mostly SCV and EM. Sure, one can have those in Roths, but that may be too risky. VSIAX and IJS are both SCV, so why bother to switch from VSIAX into IJS? That doesn't make any sense. Yes, one can buy IJS at Vanguard if one has a Vanguard Broke...
by Gemini
Mon Dec 12, 2016 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Help with picking funds and rebalancing across multiple accounts
Replies: 14
Views: 870

Re: Help with picking funds and rebalancing across multiple accounts

I'd say you have a 7-step process to follow: 1) Decide how you are going to categorize the TIAA Real Estate fund with respect to the SCV category. How much of the desired 40% SCV tilt are you going to assign to the the 12% stake in TIAA Real Estate? None. I would like to think of TIAA Real estate a...
by Gemini
Mon Dec 12, 2016 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Help with picking funds and rebalancing across multiple accounts
Replies: 14
Views: 870

Re: Help with picking funds and rebalancing across multiple accounts

Without tickers for the TIAA funds, you will have to come up with some substitute or proxy tickers. This should not be too hard since you have access to the Prospectuses of your funds. I will guess that for the S&P500 index that you can use a Vanguard S&P500 index fund ticker for that. Whil...
by Gemini
Sun Dec 11, 2016 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help with picking funds and rebalancing across multiple accounts
Replies: 14
Views: 870

Re: Help with rebalancing across multiple accounts

Desired asset allocation : 85/15 For the Equities portion: 60% Intl w/ 1/3 of Intl in EM – also want to tilt to SCV 40% or so OK, that's the "Desired asset allocation", so what's the "Current asset allocation." You might as well put your entire portfolio into a tool that shows y...
by Gemini
Sun Dec 11, 2016 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Help with picking funds and rebalancing across multiple accounts
Replies: 14
Views: 870

Help with picking funds and rebalancing across multiple accounts

This is the first year where we will have multiple accounts and I am looking for input on how to rebalance across multiple accounts. Desired asset allocation : 85/15 For the Equities portion: 60% Intl w/ 1/3 of Intl in EM – also want to tilt to SCV 40% or so Currently total portfolio is all pre-tax....
by Gemini
Tue Dec 06, 2016 10:37 pm
Forum: Investing - Theory, News & General
Topic: What you should know before you do factor investing
Replies: 18
Views: 1572

Re: What you should know before you do factor investing

So, Trader/Investor, your strategy to avoid underperformance is to do exactly what the managed futures (trend/momentum) you just bashed do, only that you think you'll be able to get out at the top and avoid the downside. 5 years in investing terms is nothing. Whoa... I may not be the brightest bulb...
by Gemini
Tue Dec 06, 2016 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about hiring Advisor
Replies: 25
Views: 1843

Re: Thinking about hiring Advisor

http://daretobedull.com/services/ I know many physicians and the majority have very poor understanding about personal finance, investing, and financial matters in general. Some want to learn but working long hours and having a family leaves little time. This forum is a great resource, but time is al...
by Gemini
Tue Dec 06, 2016 4:55 pm
Forum: Investing - Theory, News & General
Topic: What you should know before you do factor investing
Replies: 18
Views: 1572

Re: What you should know before you do factor investing

I am in the process of understanding factors, but it gets tricky when I try to implement across various accounts. Might just stick with SCV and call it a day.
by Gemini
Sat Dec 03, 2016 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking/Understanding/Building factor portfolio with TIAA Funds
Replies: 3
Views: 249

Re: Tracking/Understanding/Building factor portfolio with TIAA Funds

Equities CREF Equity Index R3 - Russell 3000® Index CREF Global Equities R3 - MSCI World Index CREF Growth R3 - Russell 1000® Growth Index CREF Stock R3 - Large Blend and as well as CREF Composite Benchmark TIAA Access International Equity Index Fund T1 - Morgan Stanley EAFE Index TIAA Access Large...
by Gemini
Fri Dec 02, 2016 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking/Understanding/Building factor portfolio with TIAA Funds
Replies: 3
Views: 249

Re: Tracking/Understanding/Building factor portfolio with TIAA Funds

Any style box analysis, list of holdings, or anything like that? I don't think any of the index funds would meaningfully have exposure to much of anything but market, size, and value, just in amounts you might have to estimate. The three last stock funds are some share class of Vanguard Selected Va...
by Gemini
Fri Dec 02, 2016 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking/Understanding/Building factor portfolio with TIAA Funds
Replies: 3
Views: 249

Tracking/Understanding/Building factor portfolio with TIAA Funds

A large part of our retirement side of the portfolio is with TIAA. TIAA has some unique funds that do not have ticker symbols and they appear to be house blends. I am trying to figure out which "factors" if any are present within these. Trying to build a "factor" portfolio as per...
by Gemini
Thu Dec 01, 2016 12:22 pm
Forum: Personal Consumer Issues
Topic: Best vendor to purchase the latest Apple Macbook Pro?
Replies: 17
Views: 1864

Re: Best vendor to purchase the latest Apple Macbook Pro?

Don't think spouse will go for the smaller screen. 15" inch it has to be. Also in the market for a Macbook as well for another family member. Again, this will be for use when traveling and lightweight, portability is the key factor in deciding Macbook vs Macbook Air. This will be again for regu...
by Gemini
Thu Dec 01, 2016 9:57 am
Forum: Personal Consumer Issues
Topic: Best vendor to purchase the latest Apple Macbook Pro?
Replies: 17
Views: 1864

Re: Best vendor to purchase the latest Apple Macbook Pro?

Appreciate the input. I will likely opt for a cheaper machine. Should I still go for the highest processor, RAM and video card? Which one would have the least impact on machine performance for regular use? I am thinking keeping the processor and RAM and dropping the video card as well as the storage...
by Gemini
Mon Nov 28, 2016 5:07 pm
Forum: Personal Consumer Issues
Topic: Gas range and refrigerator suggestions?
Replies: 13
Views: 869

Re: Gas range and refrigerator suggestions?

How does it work when you buy a gas range? DO they come and hook it up?

Also, any idea if worth it to purchase the extended service plans?
by Gemini
Mon Nov 28, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: Gas range and refrigerator suggestions?
Replies: 13
Views: 869

Re: Gas range and refrigerator suggestions?

Church Lady wrote:Check out Consumer Reports, either library or online, for reliability ratings. Some quibble with the validity of CR reliability ratings, but it's better than nothing.

Good luck!


I tried online, but don't have a login
by Gemini
Mon Nov 28, 2016 10:32 am
Forum: Personal Consumer Issues
Topic: Gas range and refrigerator suggestions?
Replies: 13
Views: 869

Re: Gas range and refrigerator suggestions?

I would have bought one rather like the Samsung. However, my old Jenn-air had a non-typical install. Ended up fixing it, even though old and not a very satisfactory unit. I do strongly recommend a convection oven (which the Samsung has). This opens up many cooking options that will be appreciated b...
by Gemini
Mon Nov 28, 2016 10:08 am
Forum: Personal Consumer Issues
Topic: Gas range and refrigerator suggestions?
Replies: 13
Views: 869

Gas range and refrigerator suggestions?

Parents are looking for new appliances. They currently have an old gas range and a fridge. Budget is about 1K for range and about 1.5K or so for the fridge. They cook quite a bit and don't want anything electric. Fridge is an issue as they have limited space, only 65.5inch height. They came across t...
by Gemini
Sun Nov 27, 2016 9:03 pm
Forum: Personal Consumer Issues
Topic: Best vendor to purchase the latest Apple Macbook Pro?
Replies: 17
Views: 1864

Re: Best vendor to purchase the latest Apple Macbook Pro?

I always recommend Apple Insider's price guide. They list all the different Apple models with prices at several retailers: http://prices.appleinsider.com/15-macbook-pro-with-touch-bar-late-2016 You've chosen a VERY expensive machine. Are you sure that such a high-spec machine is required? A machine...
by Gemini
Sun Nov 27, 2016 11:22 am
Forum: Personal Consumer Issues
Topic: Best vendor to purchase the latest Apple Macbook Pro?
Replies: 17
Views: 1864

Best vendor to purchase the latest Apple Macbook Pro?

I am in the market for the latest Macbook Pro to be given as a gift. 15inch Pro Hardware Touch Bar and Touch ID 2.9GHz quad-core Intel Core i7 processor, Turbo Boost up to 3.8GHz 16GB 2133MHz memory 1TB PCIe-based SSD Radeon Pro 460 with 4GB memory Four Thunderbolt 3 ports Force Touch trackpad Acces...
by Gemini
Sat Nov 26, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: low income/low tax bracket - tIRA or roth ira?
Replies: 35
Views: 2535

Re: low income/low tax bracket - tIRA or roth ira?

What kind of information is needed? I can ask for more info if it will lead to a clearer path. As suggested by Grabiner, the only way to answer the question of tIRA or Roth IRA in this situation is to actually mock do tax returns to see how everything interacts. You are not going to get a reliable ...
by Gemini
Sat Nov 26, 2016 12:12 am
Forum: Personal Finance (Not Investing)
Topic: low income/low tax bracket - tIRA or roth ira?
Replies: 35
Views: 2535

Re: low income/low tax bracket - tIRA or roth ira?

In order to qualify for ACA, a person needs to generate the right amount of income. And. that impact the decision of contribution to Trad. 401K. KlangFool Right. ACA subsidy throws a wrench into things. You don't want to lose a 10K premium subsidy because the 13K TIRA deduction dropped the AGI too ...
by Gemini
Sat Nov 26, 2016 12:09 am
Forum: Personal Finance (Not Investing)
Topic: low income/low tax bracket - tIRA or roth ira?
Replies: 35
Views: 2535

Re: low income/low tax bracket - tIRA or roth ira?

To clarify, you are suggesting leaving the Roth accounts (about 50k each) as is for now and, moving forward, open a tIRA at Vanguard and start maximizing each year? No. I'm saying I don't think there is enough information to decide which is best. But even if they want to use tIRA in the future, why...
by Gemini
Fri Nov 25, 2016 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: low income/low tax bracket - tIRA or roth ira?
Replies: 35
Views: 2535

Re: low income/low tax bracket - tIRA or roth ira?

To clarify, you are suggesting leaving the Roth accounts (about 50k each) as is for now and, moving forward, open a tIRA at Vanguard and start maximizing each year? No. I'm saying I don't think there is enough information to decide which is best. But even if they want to use tIRA in the future, why...
by Gemini
Fri Nov 25, 2016 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: low income/low tax bracket - tIRA or roth ira?
Replies: 35
Views: 2535

Re: low income/low tax bracket - tIRA or roth ira?

Thank all. Looks like traditional is the way to go. For 2016 contributions that have already been made to the Roth accounts at Vanguard, is there a way to now change them to traditional? Just curious if this can be done. I'm not sure there is enough information to know if traditional or Roth is the...
by Gemini
Fri Nov 25, 2016 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: low income/low tax bracket - tIRA or roth ira?
Replies: 35
Views: 2535

Re: low income/low tax bracket - tIRA or roth ira?

Thank all. Looks like traditional is the way to go.

For 2016 contributions that have already been made to the Roth accounts at Vanguard, is there a way to now change them to traditional? Just curious if this can be done.
by Gemini
Fri Nov 25, 2016 10:53 am
Forum: Personal Finance (Not Investing)
Topic: low income/low tax bracket - tIRA or roth ira?
Replies: 35
Views: 2535

Re: low income/low tax bracket - tIRA or roth ira?

For 2016, they made the maximum Roth contributions. In regards, to their projected retirement income, they will have social security (not sure how much each, but their income has been pretty steady at this rate for quite some time so their contributions should be about the same yearly), their curren...
by Gemini
Thu Nov 24, 2016 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: low income/low tax bracket - tIRA or roth ira?
Replies: 35
Views: 2535

Re: low income/low tax bracket - tIRA or roth ira?

With income under 30K, they are likely to be 10% bracket. For Married Filing Jointly, Standard deduction is 12,600 and each exemption is 4050. If their AGI is 30K, their Taxable Income would be 30000 - 12600 - 8100 = 9300 which is in the middle of the 10% tax bracket. At 30K AGI, they can get 10% t...
by Gemini
Thu Nov 24, 2016 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: low income/low tax bracket - tIRA or roth ira?
Replies: 35
Views: 2535

low income/low tax bracket - tIRA or roth ira?

Friends asked for advice and I wanted some input. Husband & wife late 50s - current combined income less than 30K - I am guessing 15% tax bracket. No significant retirement savings - maybe like 50K. What makes most sense in this situation to max out- traditional IRA or roth IRA? Edit - to clarif...
by Gemini
Tue Nov 22, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Okay to keep over 250K cash in one savings acount?
Replies: 19
Views: 2947

Re: Okay to keep over 250K cash in one savings acount?

Above clarifies with joint owners limit is 500K as per FDIC - correct?
by Gemini
Tue Nov 22, 2016 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Okay to keep over 250K cash in one savings acount?
Replies: 19
Views: 2947

Re: Okay to keep over 250K cash in one savings acount?

qwertyjazz wrote:Why take any risk? Banks going insolvent is really rare. But it is very easy to open an account in another bank.


True is there another that give 1% back like Ally?
by Gemini
Tue Nov 22, 2016 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Okay to keep over 250K cash in one savings acount?
Replies: 19
Views: 2947

Okay to keep over 250K cash in one savings acount?

The standard deposit insurance coverage limit is $250,000 per depositor, per FDIC-insured bank, per ownership category. Does this statement mean if the account is a joint account, i.e. husband/wife, the limit is 500k? Is it okay to keep savings over 250K cash in one account i.e. Ally Bank? If not, w...
by Gemini
Mon Nov 14, 2016 9:14 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's New Book is Available Now!
Replies: 155
Views: 16642

Re: Larry Swedroe's New Book is Available Now!

Are there TIAA funds recommended in this book?
by Gemini
Thu Nov 10, 2016 9:01 pm
Forum: Personal Consumer Issues
Topic: Medical practice partnership - schedule issues - advice needed
Replies: 41
Views: 2606

Re: Medical practice partnership - schedule issues - advice needed

Raymond wrote:OP, perhaps I missed it in this thread - did you have a attorney specializing in contract law (particularly physician contracts) review the partnership agreement/contract beforehand?


Yes - the schedule was never mentioned in any of the contracts
by Gemini
Thu Nov 10, 2016 5:51 pm
Forum: Personal Consumer Issues
Topic: Medical practice partnership - schedule issues - advice needed
Replies: 41
Views: 2606

Re: Medical practice partnership - schedule issues - advice needed

So do you guys suggest I bring this up now or wait till there is another event like childbirth that I can use in my favor?
by Gemini
Thu Nov 10, 2016 10:06 am
Forum: Personal Consumer Issues
Topic: Medical practice partnership - schedule issues - advice needed
Replies: 41
Views: 2606

Re: Medical practice partnership - schedule issues - advice needed

Just looked over the partner contract again : for without Cause, the board of directors must approve the termination and the notice must be signed by two-thirds (2/3’s). And then it lists other with cause possible terminations. There is nothing stated in the partner contract or any contract about wo...
by Gemini
Wed Nov 09, 2016 5:42 pm
Forum: Personal Consumer Issues
Topic: Medical practice partnership - schedule issues - advice needed
Replies: 41
Views: 2606

Re: Medical practice partnership - schedule issues - advice needed

samsmith wrote:what specialty? And how is your compensation calculated? Specifically, if you take more call (and presumably do more work) do you get paid more, based on the partner contract formula?


No - the pie is split i.e. I don't work more and make more.

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