Search found 712 matches

by Gemini
Tue Aug 30, 2016 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 545
Views: 49771

Re: What's Your Credit Card Rewards Strategy?

Appreciate the input. Seems like the 5x rotating categories may suit me better - just have to remember to use the card as I only carry one or two cards in my wallet daily. Do you guys plan on keeping the CSR for good? I now have CSR, And CSP, which I will be downgrading to Freedom. Spouse has CSP an...
by Gemini
Tue Aug 30, 2016 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 545
Views: 49771

Re: What's Your Credit Card Rewards Strategy?

Logged into chase today to check a transaction and saw I got approved the CSR. Nice little surprise!


Now what to do with the CSP? Downgrade to Freedom or Freedom Unlimited? I have neither. Which one makes the most financial sense?
by Gemini
Sun Aug 28, 2016 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 545
Views: 49771

Re: What's Your Credit Card Rewards Strategy?

Just applied online - says decision pending - "we need to review your app a little longer" - how to proceed? just wait it out or is there a number to call?
by Gemini
Thu Aug 25, 2016 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 545
Views: 49771

Re: What's Your Credit Card Rewards Strategy?

A little off topic - some years ago, I put a freeze on my credit at all credit bureaus. How do I know whether it is still frozen? I just know how to take it off and it costs $5 - but not sure if I still have credit freeze

Also, anyone know which bureau chase will pull from if I apply CSR?
by Gemini
Wed Aug 24, 2016 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off student loan debt before taking on more debt (house debt)?
Replies: 20
Views: 1268

Re: Pay off student loan debt before taking on more debt (house debt)?

Appreciate the input everyone. Will talk it over with spouse and see how we move forward. I am happy to see the balance dwindle somewhat though :beer
by Gemini
Tue Aug 23, 2016 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 545
Views: 49771

Re: What's Your Credit Card Rewards Strategy?

What is the diff between freedom and freedom unlikited? When downgrading CSP which one to go with?
by Gemini
Tue Aug 23, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 545
Views: 49771

Re: What's Your Credit Card Rewards Strategy?

One could argue that the optimal strategy for UR points is better served with the CSR as a "one year and done" card, and keep the CSP around instead. Will the extra 1% on travel and dining, combined with the $300 annual travel credit, be enough to offset that $450 AF? Hmm...looks like I s...
by Gemini
Tue Aug 23, 2016 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 545
Views: 49771

Re: What's Your Credit Card Rewards Strategy?

Both wife and I have CSP. I just got my annual fee charged June 2016 - do you think they will prorate if I cancel or downgrade to freedom? Maybe I can downgrade and open up CSR? Thoughts? I need global entry - I have been meaning to get it.
by Gemini
Tue Aug 23, 2016 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 545
Views: 49771

Re: What's Your Credit Card Rewards Strategy?

CSR looks nice. I currently have CSP with 160K+ points - are you guys keeping both?

To confirm, you get $300 from now until December, $300 from Jan - Dec 2017, waived global entry fee, 100K points, $450 annual fee. When is this annual fee charged?
by Gemini
Tue Aug 23, 2016 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: My wife being added to my single-member LLC
Replies: 10
Views: 668

Re: My wife being added to my single-member LLC

Just updating: I did some digging and what I stated above appears to be incorrect. Profit sharing is split between owners, so you would need twice the income to max both solo 401k profit sharing buckets.
by Gemini
Mon Aug 22, 2016 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Recommend CPA in the NYC/NJ Area
Replies: 9
Views: 680

Re: Recommend CPA in the NYC/NJ Area

PM Me maybe?
by Gemini
Mon Aug 22, 2016 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off student loan debt before taking on more debt (house debt)?
Replies: 20
Views: 1268

Re: Pay off student loan debt before taking on more debt (house debt)?

Don't know if we can wait for a clean slate, but I did pay off some more.

Now loans:

35K @ 3.5%
24k @ 3.5%
154k @ 4.5%
by Gemini
Sun Aug 21, 2016 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: My wife being added to my single-member LLC
Replies: 10
Views: 668

Re: My wife being added to my single-member LLC

To clarify: if a husband adds wife as partner to LLC, which is a disregarded entity in this case i.e. not S corp, they can both profit share 53K EACH into their respective solo 401K if the income is ~265k?
by Gemini
Sun Aug 21, 2016 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off student loan debt before taking on more debt (house debt)?
Replies: 20
Views: 1268

Re: Pay off student loan debt before taking on more debt (house debt)?

Church Lady wrote:
Loans now:
35K @ 3.5%
24k @ 3.5%
16K @ 4%
154 @ 4.5%


Curious .. should that 154@4.5% be 15K@4.5% or is it 154K @4.5%. Or is it $154.00 at 4.5% in which case why don't you just pay it off?

Just wondering :?:


I clarified. It is $154,000@4.5%
by Gemini
Sun Aug 21, 2016 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off student loan debt before taking on more debt (house debt)?
Replies: 20
Views: 1268

Re: Pay off student loan debt before taking on more debt (house debt)?

Gemini wrote:Ok. So just paid off the 23K.

Loans now:
35K @ 3.5%
24k @ 3.5%
16K @ 4%
154k @ 4.5%
by Gemini
Sun Aug 21, 2016 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off student loan debt before taking on more debt (house debt)?
Replies: 20
Views: 1268

Re: Pay off student loan debt before taking on more debt (house debt)?

Ok. So just paid off the 23K.

Loans now:
35K @ 3.5%
24k @ 3.5%
16K @ 4%
154 @ 4.5%
by Gemini
Sun Aug 21, 2016 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Pay off student loan debt before taking on more debt (house debt)?
Replies: 20
Views: 1268

Re: Pay off student loan debt before taking on more debt (house debt)?

Wondering if it would be prudent to pay off student loan debt completely or majority of it before taking on more house debt. We are in very HCOL area and down-payment will be a large sum to save. We are maxing all tax advantaged accounts, have EF, no cc debt, etc etc. Realize it is a personal decis...
by Gemini
Sun Aug 21, 2016 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Pay off student loan debt before taking on more debt (house debt)?
Replies: 20
Views: 1268

Re: Pay off student loan debt before taking on more debt (house debt)?

What is your house/mortgage goal? Ie, 20% downpayment, mortgage <15% of take home pay? Are you currently maxing retirement accounts? I like the idea of being debt free, But this is personal finance so perhaps #2. Shooting for min 20% down payment. Have not considered ratio to take home pay (yet), b...
by Gemini
Sun Aug 21, 2016 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Pay off student loan debt before taking on more debt (house debt)?
Replies: 20
Views: 1268

Pay off student loan debt before taking on more debt (house debt)?

Wondering if it would be prudent to pay off student loan debt completely or majority of it before taking on more house debt. We are in very HCOL area and down-payment will be a large sum to save. We are maxing all tax advantaged accounts, have EF, no cc debt, etc etc. Realize it is a personal decisi...
by Gemini
Fri Aug 19, 2016 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Which financial program to get? Quickbooks vs YNAB vs others
Replies: 47
Views: 2804

Re: Which financial program to get? Quickbooks vs YNAB vs others

Thanks.

We do not use bill pay and won't be setting up billpay. Does quicken have access to checking account? I would rather I input it. Maybe I can download all transaction and then have quicken open the file?
by Gemini
Fri Aug 19, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Which financial program to get? Quickbooks vs YNAB vs others
Replies: 47
Views: 2804

Re: Which financial program to get? Quickbooks vs YNAB vs others

I just got quicken - will play around with it over the weekend and see how it goes Start by setting up your checking account with download from your financial institution. You could look at everything else as a refinement of, or extension to, that. Checking account or credit card first? Or Both? We...
by Gemini
Fri Aug 19, 2016 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Which financial program to get? Quickbooks vs YNAB vs others
Replies: 47
Views: 2804

Re: Which financial program to get? Quickbooks vs YNAB vs others

I just got quicken - will play around with it over the weekend and see how it goes
by Gemini
Fri Aug 19, 2016 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Recommend CPA in the NYC/NJ Area
Replies: 9
Views: 680

Re: Recommend CPA in the NYC/NJ Area

If a CPA tells you he/she can "save you money" more than the next guy, I'd walk away. Those are usually scammish words that are frowned upon in our profession. Also if a CPA works on a contingency basis based on the "size of your refund" I'd walk away too - that's usually not al...
by Gemini
Fri Aug 19, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Recommend CPA in the NYC/NJ Area
Replies: 9
Views: 680

Re: Recommend CPA in the NYC/NJ Area

I know at least a few hundred of them so more details would be helpful. They're unlikely to help you save money nor is there much that's physician specific. Perhaps the wording came off wrong - not "save" more money, but rather not miss out deductions when available. A CPA who is competen...
by Gemini
Thu Aug 18, 2016 8:36 am
Forum: Personal Finance (Not Investing)
Topic: CPA turnaround time and etiquette
Replies: 27
Views: 2271

Re: CPA turnaround time and etiquette

As a followup - taxes FINALLY got filed this Monday. We spoke about the valuation - he did some work on it for a few hours and will refund me the rest of the retainer. Waiting to see now when the refund arrives
by Gemini
Thu Aug 18, 2016 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Payoff Debt at Sacrifice of Leisure?
Replies: 77
Views: 4931

Re: Payoff Debt at Sacrifice of Leisure?

Do Banks allow these "sub-accounts"? I never inquired with USAA I don't have "sub-accounts" -- I have three checking accounts at the same bank that are linked to each other for easy transfer of funds. If you don't mind sharing, which bank? Does this bank want you to have a certa...
by Gemini
Wed Aug 17, 2016 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Recommend CPA in the NYC/NJ Area
Replies: 9
Views: 680

Recommend CPA in the NYC/NJ Area

A few friends of mine from the area are looking for a capable and available CPA. Most of them are physicians, who either are in PP or work for a hospital. Looking for someone who is knowledgeable and can help save some $$, esp as it relates to anything physician specific
by Gemini
Wed Aug 17, 2016 10:11 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 545
Views: 49771

Re: What's Your Credit Card Rewards Strategy?

how do you guys decide to use points vs cash back cards? Both of us uses a CSP and we have over 100K points each, but never used. Not sure how to use them! Debating if I should get the CSR - also thinking of the fido 2% cash back. We try to use Amex for 6% grocery and Penfed for 5% gas back
by Gemini
Mon Aug 15, 2016 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Debt at Sacrifice of Leisure?
Replies: 77
Views: 4931

Re: Payoff Debt at Sacrifice of Leisure?

Do Banks allow these "sub-accounts"? I never inquired with USAA
by Gemini
Mon Aug 15, 2016 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa 2% cash back
Replies: 31
Views: 3681

Re: Fidelity Rewards Visa 2% cash back

I just have a solo 401K with Fido. Anyone know How does it work if I get this card in terms of cashback?
by Gemini
Mon Aug 15, 2016 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Debt at Sacrifice of Leisure?
Replies: 77
Views: 4931

Re: Payoff Debt at Sacrifice of Leisure?

@hardhitter - thanks for that. We are also in the process of combining, but nothing has been done yet. One checking at USAA, one at BofA - both with direct deposits. Very annoying to move as both of our jobs have a HR dept which is less than stellar. CC - we both primarily use chase sapphire preferr...
by Gemini
Mon Aug 15, 2016 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Debt at Sacrifice of Leisure?
Replies: 77
Views: 4931

Re: Payoff Debt at Sacrifice of Leisure?

For those of you who have her and his "play" money accounts - are these at different institutions than the main mother money combined salary account? How do you guys decide how much to put in and what gets paid from here? Just curious, as to how this works since if there is a credit card b...
by Gemini
Wed Aug 03, 2016 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Travel insurance - worth it?
Replies: 76
Views: 8100

Re: Travel insurance - worth it?

protagonist wrote:If it was worth it, people like Warren Buffett would be bankrupt.


"Worth" is a very loaded word
by Gemini
Wed Aug 03, 2016 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Which financial program to get? Quickbooks vs YNAB vs others
Replies: 47
Views: 2804

Re: Which financial program to get? Quickbooks vs YNAB vs others

Do you all track expenses with spouse or without spouse i.e. him alone, her alone, her biz alone, his biz alone?
by Gemini
Tue Aug 02, 2016 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Which financial program to get? Quickbooks vs YNAB vs others
Replies: 47
Views: 2804

Re: Which financial program to get? Quickbooks vs YNAB vs others

Thanks for all the input. Would it better to do personal accounts together and split up businesses i.e. her biz and his biz? Or split up personal accounts as well? Does quicken allow for business tracking i.e. spending/earning/owner's draw, estimating taxes, etc? We have no inventory and it appears ...
by Gemini
Tue Aug 02, 2016 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: CPA turnaround time and etiquette
Replies: 27
Views: 2271

Re: CPA turnaround time and etiquette

Thank you all for chiming in. Appreciate the input. I called yesterday, he was out, I called again and he noted "Your are on my to call list. I am in the middle of something - can I call you back?" - I said sure - got a text surprisingly asking if he could call me after 6 - I said sure - h...
by Gemini
Mon Aug 01, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: CPA turnaround time and etiquette
Replies: 27
Views: 2271

Re: CPA turnaround time and etiquette

Do you all agree that I should ask for a 3K refund on the valuation part?
If so, what is a good way to say "hey, you take too long, I want my money back"? Perhaps a silly question, but I have never been in a situation like this before.
by Gemini
Mon Aug 01, 2016 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: CPA turnaround time and etiquette
Replies: 27
Views: 2271

Re: CPA turnaround time and etiquette

Thanks all for chiming in. Appreciate the input.
by Gemini
Mon Aug 01, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: CPA turnaround time and etiquette
Replies: 27
Views: 2271

Re: CPA turnaround time and etiquette

I really hate that you've had such bad experiences with CPAs. I would tell him you need the return ready by a certain date and look into getting your valuation money refunded. I know this time of year, many CPA's have very sporadic work loads so things tend to get done slower as this time of year i...
by Gemini
Sun Jul 31, 2016 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: CPA turnaround time and etiquette
Replies: 27
Views: 2271

Re: CPA turnaround time and etiquette

Note that if you do it yourself in TurboTax or HRBlock software, for an extra fee, you have the option to engage a credentialed tax pro (either CPA or Enrolled Agent) who can look at your electronic return-in-progress and advise you on any tricky issues. TurboTax calls it the "Smart Look"...
by Gemini
Sun Jul 31, 2016 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: CPA turnaround time and etiquette
Replies: 27
Views: 2271

Re: CPA turnaround time and etiquette

What a pain. The guy sounds irresponsible and careless to me, not someone you want to rely on this year or in the future for something as important as your tax return. I found your earlier thread . Since, in that prior thread, you had been expressing interest in learning more about the tax code by ...
by Gemini
Sun Jul 31, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: CPA turnaround time and etiquette
Replies: 27
Views: 2271

Re: CPA turnaround time and etiquette

Of note, I have not been pushy with the issue i.e. I just send short emails with "any updates?", but I am getting frustrated by how long this process is taking. Maybe I should write a direct and forceful letter? If so, any ideas on what to write?
by Gemini
Sun Jul 31, 2016 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: CPA turnaround time and etiquette
Replies: 27
Views: 2271

Re: CPA turnaround time and etiquette

This all sounds pretty unprofessional to me. What is the nature of the mistakes in the current draft? Also,I am curious why you chose to use a CPA for the first time this year. Is there something new and complex you did not feel comfortable handling yourself? If so, I would not be sure you have fou...
by Gemini
Sun Jul 31, 2016 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: CPA turnaround time and etiquette
Replies: 27
Views: 2271

CPA turnaround time and etiquette

I am working with a new, local, recommended CPA for the first time for 2015 taxes. To preface, I have never interacted with a CPA before and not sure how usual business occurs. I have only dealt with my lawyer, who is great and responds very quickly to emails/questions. Due to some issues, this new ...
by Gemini
Sat Jul 30, 2016 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Which financial program to get? Quickbooks vs YNAB vs others
Replies: 47
Views: 2804

Re: Which financial program to get? Quickbooks vs YNAB vs others

To all who recommend Quicken, is it better equipped than Quickbooks pro for my intents and purposes?
by Gemini
Sat Jul 30, 2016 4:08 am
Forum: Personal Finance (Not Investing)
Topic: Which financial program to get? Quickbooks vs YNAB vs others
Replies: 47
Views: 2804

Re: Which financial program to get? Quickbooks vs YNAB vs others

I see YNAB's two primary strengths as: 1) Increasing and maintaining a high savings rate, and 2) increased shared ownership of the budget by both spouses. It can do tax stuff, but not as well as other things. I submit that the two strengths are more important than other things you would want softwa...
by Gemini
Fri Jul 29, 2016 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Which financial program to get? Quickbooks vs YNAB vs others
Replies: 47
Views: 2804

Which financial program to get? Quickbooks vs YNAB vs others

I am in the process of trying to get more organized. Spouse and I both have regular W2 salaries and each one also has additional income coming in as 1099. Each one of us has a 401k x 2, and one 403a. We are both sole proprietors and try best to keep our business and personal incomes separate. Each o...
by Gemini
Fri Jul 29, 2016 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Quickbooks Enterprise for sole proprietor - overkill?
Replies: 5
Views: 512

Re: Quickbooks Enterprise for sole proprietor - overkill?

Among the advantages to QB Enterprise are that (IIRC) it handles inventory and depreciation better than Pro/Premier. There are disadvantages: it's a huge program, it's expensive (and like other QB products needs to be upgraded every 3 or so years), and many accountants don't use Enterprise and thus...
by Gemini
Tue Jul 26, 2016 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Expensify - free version
Replies: 6
Views: 824

Re: Expensify - free version

Thanks. Would appreciate more input if possible. It looks like for Quickbooks, I need to pay 5/month.

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