Search found 884 matches

by Gemini
Sun Oct 29, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 412298

Re: What's Your Credit Card Rewards Strategy?

Thank you all for the replies. We don't really use the chase freedom unlimited much esp spouse. Would not be worth it for her to get Chase unlimited. 1. Is it worth it to pay $75/annum for AU on CSR? 2. When downgrading, what happens to all the points? 3. How exactly to downgrade i.e. call chase, s...
by Gemini
Thu Oct 26, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 412298

Re: What's Your Credit Card Rewards Strategy?

Thank you all for the replies. We don't really use the chase freedom unlimited much esp spouse. Would not be worth it for her to get Chase unlimited. 1. Is it worth it to pay $75/annum for AU on CSR? 2. When downgrading, what happens to all the points? 3. How exactly to downgrade i.e. call chase, s...
by Gemini
Thu Oct 26, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 412298

Re: What's Your Credit Card Rewards Strategy?

Thank you all for the replies. We don't really use the chase freedom unlimited much esp spouse. Would not be worth it for her to get Chase unlimited. 1. Is it worth it to pay $75/annum for AU on CSR? 2. When downgrading, what happens to all the points? 3. How exactly to downgrade i.e. call chase, se...
by Gemini
Wed Oct 25, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 412298

Re: What's Your Credit Card Rewards Strategy?

Spouse and I both signed up for chase sapphire reserve last year. Spouse got charged Oct 1 for the $450/fee I got charged Sept 1 for the $450/fee We don't really have a need for two CSRcards. We both also have Chase Freedom and Chase Freedom Unlimited. Have tons of points on CSR cards. 1. Do we have...
by Gemini
Wed Oct 25, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Going from pooled company 401k to Participant-directed 401K accounts - issues and hurdles
Replies: 13
Views: 924

Re: Going from pooled company 401k to Participant-directed 401K accounts - issues and hurdles

UPdating and looking for input - so I pushed and pushed and finally got CEO to at least investigate Below is an excerpt that was sent out : " We pay approximately .65 basis points to our managers, two hedge funds. We also pay approximately $35,000 for actuarial services. If we were to be with Vangua...
by Gemini
Sun Sep 17, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: How to add spouse to Fidelity solo 401K?
Replies: 2
Views: 260

How to add spouse to Fidelity solo 401K?

Anyone know what form to fill to add spouse to solo 401K at Fido?
by Gemini
Sun Aug 20, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Recommendations for nanny/internal home cameras
Replies: 1
Views: 364

Re: Recommendations for nanny/internal home cameras

I am between Arlo Pro vs Nest vs Canary Flex. Anyone?
by Gemini
Sat Aug 12, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: Recommendations for nanny/internal home cameras
Replies: 1
Views: 364

Recommendations for nanny/internal home cameras

We are in the process of hiring a nanny. What is the best camera system for monitoring? We would like the ability to log in remotely i.e. on a phone to see all is going okay.
by Gemini
Fri Aug 04, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Going from pooled company 401k to Participant-directed 401K accounts - issues and hurdles
Replies: 13
Views: 924

Re: Going from pooled company 401k to Participant-directed 401K accounts - issues and hurdles

Yes actuary is about $50K - is that high? You generally only need an actuary if you have a defined benefit component. We definitely do not. We have a regular 401K plan with profit sharing and highly compensated employees. The monies from this plan are managed by two advisory firms, who then invest ...
by Gemini
Fri Aug 04, 2017 9:59 am
Forum: Investing - Help with Personal Investments
Topic: International Small Cap Value?
Replies: 24
Views: 3144

Re: International Small Cap Value?

Any updates on Int SCV and EMerging Markets?

I have some cash sitting in a Fido 401K and want to put into above - note sure what funds to use.
by Gemini
Fri Aug 04, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Going from pooled company 401k to Participant-directed 401K accounts - issues and hurdles
Replies: 13
Views: 924

Re: Going from pooled company 401k to Participant-directed 401K accounts - issues and hurdles

Having a meeting soon with all partners. Trying to get my data gathered.

Yes actuary is about $50K - is that high?
by Gemini
Tue Aug 01, 2017 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Going from pooled company 401k to Participant-directed 401K accounts - issues and hurdles
Replies: 13
Views: 924

Re: Going from pooled company 401k to Participant-directed 401K accounts - issues and hurdles

CEO rebuttal: 1. The company would need to provide 401k education annually for each employee, lasting anywhere from 3-6 hours. We have over 300 employees. This would lead to many waisted hours, which translates to decrease in output 2. As a Board member, I and others may be liable if we accidentall...
by Gemini
Tue Aug 01, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Going from pooled company 401k to Participant-directed 401K accounts - issues and hurdles
Replies: 13
Views: 924

Re: Going from pooled company 401k to individual 401K accounts - issues and hurdles

I am currently part of a company which had its 401(k) in two pooled accounts, under the management of two financial advisor/companies. I spoke with CEO about switching over to the individual 401(k) i.e Vanguard. How can a company with 300 employees move to individual 401k accounts? Or are you talki...
by Gemini
Tue Aug 01, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Going from pooled company 401k to Participant-directed 401K accounts - issues and hurdles
Replies: 13
Views: 924

Going from pooled company 401k to Participant-directed 401K accounts - issues and hurdles

I am currently part of a company which had its 401(k) in two pooled accounts, under the management of two financial advisor/companies. I spoke with CEO about switching over to the individual 401(k) i.e Vanguard. 2 accounts are about $30M. To manage, we pay about $100K, plus there is separate actuary...
by Gemini
Thu Jul 13, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 412298

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: 443

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: 4728

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/exchange p...
by Gemini
Wed Jun 07, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 412298

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 PenFed 5%...
by Gemini
Wed Jun 07, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 412298

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 PenFed 5% ...
by Gemini
Thu May 04, 2017 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Home Bias and International Allocations
Replies: 11
Views: 901

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---it goes ...
by Gemini
Wed May 03, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Cost of Estate Planning
Replies: 33
Views: 4741

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: 608

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: 1173

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 leave it i...
by Gemini
Mon May 01, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Help
Replies: 9
Views: 1173

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: 608

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: 1173

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: 1173

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: 1173

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: 3050

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: 3050

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: 3050

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: 3050

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: 3050

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 pass. Your con...
by Gemini
Fri Apr 28, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 3050

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: 3050

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 person giv...
by Gemini
Fri Apr 28, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 3050

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: 3420

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: 3420

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: 3420

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: 3420

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: 558

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: 4610

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: 2309

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: 1068

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: 679

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: 679

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: 679

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: 1068

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: 1068

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...