Search found 833 matches

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: 120

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: 2157

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: 2157

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: 2157

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: 2157

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: 2157

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: 1991

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: 1626

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: 1626

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: 1626

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: 1626

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: 1626

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: 61
Views: 4962

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.
by Gemini
Mon Feb 06, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help with picking funds and rebalancing across multiple accounts
Replies: 25
Views: 1626

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 ? Was thinking, to keep it simple, make TIAA like 20% Bonds, and the rest split between TIAA Access Small-Cap Blend Index Fund T1 – and TIAA Access...
by Gemini
Wed Feb 01, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: One more can I afford $1.5M house
Replies: 56
Views: 3481

Re: One more can I afford $1.5M house

Your incomes are great. You can buy the house right now and be completely normal. I would be a little patient. 1. Pay off your student loans 2. Save and set aside 6+ months of expenses in a true Emergency Fund 3. Save up 20% + money for closing fees + money for furniture, moving, "right now&qu...
by Gemini
Wed Feb 01, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: One more can I afford $1.5M house
Replies: 56
Views: 3481

Re: One more can I afford $1.5M house

His income: about 500K - may go up another 100K Her income: about 300K Impressive. Go ahead and buy it. Set it and forget it! What's with having a boatload of cash and having student loans? Pay off the loans, put down that down payment, start earnin' and savin' and Bogleheadin'... Started saving ca...
by Gemini
Wed Feb 01, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: One more can I afford $1.5M house
Replies: 56
Views: 3481

Re: One more can I afford $1.5M house

Just quickly browsed some loan accounts and we paid off probably close to 300K or more student loan debt since 2015. Not sure if this paints a better picutre, but just wanted to clarify I am not living the Dan Bilzerian lifestyle :mrgreen:
by Gemini
Wed Feb 01, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: One more can I afford $1.5M house
Replies: 56
Views: 3481

Re: One more can I afford $1.5M house

I would say no. You have very little saved with your massive salary. Thats not a good sign. Pay off your student loans, start saving some money...then think about buying a place in a couple years. You're not ready. Lets put this into perspective. Im 33, wife 32...we make a combined $160k and we hav...
by Gemini
Wed Feb 01, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: One more can I afford $1.5M house
Replies: 56
Views: 3481

Re: One more can I afford $1.5M house

HCOL area. Currently renting @ 3k/month - small place. Baby on the way. Too small for a family, plus rent will go up again this year (summer). Houses range 1.5M+, but we would not get anything more than 1.5M Our info: Tax bracket: 39% fed + 9% state His income: about 500K - may go up another 100K H...
by Gemini
Wed Feb 01, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: One more can I afford $1.5M house
Replies: 56
Views: 3481

Re: One more can I afford $1.5M house

orca91 wrote:Yes, you can afford it.


Even if her income drops in half? And the baby brings new expenses?
by Gemini
Wed Feb 01, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: One more can I afford $1.5M house
Replies: 56
Views: 3481

One more can I afford $1.5M house

HCOL area. Currently renting @ 3k/month - small place. Baby on the way. Too small for a family, plus rent will go up again this year (summer). Houses range 1.5M+, but we would not get anything more than 1.5M Our info: Tax bracket: 39% fed + 9% state His income: about 500K - may go up another 100K He...
by Gemini
Tue Jan 10, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Prime Photos - feedback and tips
Replies: 1
Views: 326

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: 2749

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: 987

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: 987

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: 987

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: 987

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: 25
Views: 1626

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: 2749

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: 25
Views: 1626

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: 213
Views: 23530

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: 213
Views: 23530

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: 25
Views: 1626

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: 25
Views: 1626

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: 25
Views: 1626

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: 25
Views: 1626

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: 25
Views: 1626

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: 1692

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: 1986

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: 1692

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: 303

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: 303

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: 303

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: 2052

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: 2052

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: 971

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: 971

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: 971

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...

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