Search found 126 matches

by karpems
Tue Mar 21, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Malpractice Asset Protection
Replies: 18
Views: 1315

Re: Malpractice Asset Protection

Thank you all!
by karpems
Mon Mar 20, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Malpractice Asset Protection
Replies: 18
Views: 1315

Malpractice Asset Protection

Hey All, Relatively new attending physician here. What do you guys all be for asset protection from malpractice suits? Should all my assets be in a trust? I am a hospital employee and our hospital self-insurers. I have purchased an umbrella policy for other protection but I'm not sure if that will b...
by karpems
Sun Sep 18, 2016 12:05 pm
Forum: Personal Consumer Issues
Topic: Buying a fairly new RV, suggestions.
Replies: 48
Views: 5686

Re: Buying a fairly new RV, suggestions.

What did you buy? Op, just a few thoughts in regards to a couple of the points you brought up: It's been a record couple of years for RV/Trailer manufacturers, with Forest River leading the pack. They've been slapping them together as fast as they can and it shows even in the high-end units. So yes,...
by karpems
Sun Jul 24, 2016 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Apple Compuer/iPad Lease
Replies: 1
Views: 308

Apple Compuer/iPad Lease

Has anyone ever used the Apple lease program? My wife and I share an LLC and was wondering if anyone has any experience? Looks like there's a equipment minimum value of $3000. Should theoretically be all tax-deductible.
by karpems
Sun Jul 03, 2016 5:08 pm
Forum: Personal Consumer Issues
Topic: Anyone fly drones?
Replies: 10
Views: 1291

Anyone fly drones?

Hey All,

After much consideration I would like to get a drone for fun and personal use. I have absolutely no experience. Does anyone have any recommendations on where to start and which drone to start with? Main goals are just fun and some videos.
by karpems
Sun Jun 19, 2016 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Visa
Replies: 2
Views: 989

Fidelity Visa

We received our new Fidelity Visa cards to replace the Fidelity AMEX this week. Anyone been able to link it to quicken yet?
by karpems
Tue May 24, 2016 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Physician Looking for home business ideas
Replies: 0
Views: 747

Physician Looking for home business ideas

Hey Everyone,

I am currently an employed physician but my wife and I are looking to supplement income and start a home business. We are currently searching for some ideas. Anyone in a similar situation?
by karpems
Tue May 03, 2016 6:42 am
Forum: Personal Finance (Not Investing)
Topic: iPad Financial Software
Replies: 10
Views: 1495

Re: iPad Financial Software

Thanks!
by karpems
Mon May 02, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: iPad Financial Software
Replies: 10
Views: 1495

Re: iPad Financial Software

Anyone?
by karpems
Sun Apr 24, 2016 8:38 am
Forum: Personal Finance (Not Investing)
Topic: iPad Financial Software
Replies: 10
Views: 1495

iPad Financial Software

Hey Everyone, The new iPad Pro is a truly amazing machine and with a keyboard comes incredibly close to a laptop replacement. The only trouble is all our financial tracking is done on quicken. I have looked at a few off the apple alternatives(quicken for mac, ibank, gnubank, etc) and was wondering i...
by karpems
Sun Mar 13, 2016 11:24 am
Forum: Personal Consumer Issues
Topic: Help with an adults only all-inclusive
Replies: 54
Views: 9726

Re: Help with an adults only all-inclusive

Could not agree more. We have been to two Excellence locations. Both top notch. Like the excellence clubs. In particular Excellence Playa Mujeres. +10000000 Did Excellence for our honeymoon a few months ago, the Riviera Maya Cancun, and cannot rave enough about it. The food, the adult only atmospher...
by karpems
Sat Nov 28, 2015 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Administrators
Replies: 11
Views: 1578

Re: HSA Administrators

hicabob wrote:They have a shockingly bad website if you are using them as an investor and are used to competently done trading sites.


Totally agree. Terrible website.
by karpems
Sat Oct 24, 2015 4:40 pm
Forum: Personal Consumer Issues
Topic: Thinking of switching from phone to phablet
Replies: 49
Views: 6028

Re: Thinking of switching from phone to phablet

Just switched to the 6s plus. I LOVE IT!

I bought a wallet case. I'm 5'7 and I don't have any problem fitting it in my pocket.
by karpems
Sat Oct 17, 2015 5:12 pm
Forum: Personal Consumer Issues
Topic: Home Security Camera Software
Replies: 0
Views: 432

Home Security Camera Software

Hey Everyone,

I am currently using BlueIris(which is great software) to run our 9 camera home security cameras. We are in the process of changing everything to Apple. Anyone have any recommendations for apple software that you can stream and that also records?

Thanks!

Adam
by karpems
Mon Oct 12, 2015 7:21 am
Forum: Personal Consumer Issues
Topic: MacBook Air
Replies: 21
Views: 2063

MacBook Air

Thinking about buying a new MacBook Air. Should I buy now or is there an updated one coming out before the holidays? Is AppleCare worth it?
by karpems
Tue Sep 15, 2015 9:29 pm
Forum: Personal Consumer Issues
Topic: Computer Remote Access
Replies: 14
Views: 1361

Computer Remote Access

I have been using gotomypc for a while and while it works great, does cost $11.95 a month. Anyone have any experience with cheaper alternatives?

I mainly remote in from my iPad to a PC.

Thanks!
by karpems
Tue Sep 08, 2015 8:28 am
Forum: Personal Consumer Issues
Topic: Family Car Recommendations
Replies: 85
Views: 8457

Re: Family Car Recommendations

I would suggest something with awd in that region, especially for the snow and ice.
by karpems
Wed Aug 26, 2015 9:38 am
Forum: Personal Consumer Issues
Topic: Dallas Trip Recommendations
Replies: 11
Views: 1528

Re: Dallas Trip Recommendations

Thanks!
by karpems
Tue Aug 25, 2015 8:48 pm
Forum: Personal Consumer Issues
Topic: Dallas Trip Recommendations
Replies: 11
Views: 1528

Dallas Trip Recommendations

Going to be spending a long weekend away with just my wife in Dallas.

Anyone have any hotel recommendations?

Things to do...without kids...

Any restaurant recs as well are greatly appreciated.

Thanks!
by karpems
Sun Aug 16, 2015 4:30 pm
Forum: Personal Consumer Issues
Topic: Home Security Outdoor Camera
Replies: 16
Views: 2311

Re: Home Security Outdoor Camera

I use the following system: You will need a computer that is pretty powerful that needs to be on all the time. Blue iris software($40-50, fantastic. Stores video on your computer for a set amount of time). Easy to use. Highly recommend Eagle eye POE switch($60-75 on amazon) Microseven cameras(bought...
by karpems
Sun Aug 16, 2015 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Charitable
Replies: 47
Views: 4150

Re: Fidelity Charitable

I had this mentioned to me by my private client rep, but isn't there an AUM fee for this type of account? That is my biggest issue: First $500,000 Individual Giving Account: 0.60% (60 basis points) or $100 (whichever is greater) Next $500,000 0.30% (30 basis points) Next $1,500,000 0.20% (20 basis ...
by karpems
Sun Aug 16, 2015 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Charitable
Replies: 47
Views: 4150

Fidelity Charitable

Does anyone use this service? Seems pretty interesting to me. In short, you put money/stocks into your fidelity charity account and allow it to grow. You get an instant tax deduction as soon as the assets are transferred(irrevocable transfer). The money is invested(by Fidelity in a "pool" ...
by karpems
Tue Aug 04, 2015 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Physician Asset Protection
Replies: 35
Views: 5057

Re: Physician Asset Protection

thanks everyone! Great thread
by karpems
Mon Aug 03, 2015 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Is Being a Private Banking Client Worth it?
Replies: 97
Views: 26480

Re: Is Being a Private Banking Client Worth it?

Our banker comes to us for all paperwork that needs to be signed. Never need to leave my office. When we bought our house, one phone call and our mortgage was all arranged. No paperwork. They fill it all out. Free safety deposit box. When I have certified mail that I won't be home for, they sign for...
by karpems
Sun Aug 02, 2015 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Is Being a Private Banking Client Worth it?
Replies: 97
Views: 26480

Re: Is Being a Private Banking Client Worth it?

I use private banking. There is no cost to me. Makes my life so much easier as I can just call one person and she takes care of all my needs.
by karpems
Sun Aug 02, 2015 3:17 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 533
Views: 72358

Re: Free Windows 10 Upgrade, Yes or No?

bondsr4me wrote:Just updated my Surface Pro....no problems at all.
Just need to mess around with it now.


How do you like the surface pro? Thinking about getting one.
by karpems
Sun Aug 02, 2015 8:17 am
Forum: Personal Consumer Issues
Topic: [looking] for car suggestions
Replies: 60
Views: 5621

Re: look for car suggestions

I am a huge Volvo fan! That being said, the new XC90 is a beautiful vehicle. Still very hard to get. I have an XC70. If you can get over that it is a wagon, this is one of the best vehicles in the snow I have ever seen(I used to live in Maine so I have seen my share of snow). My wife has a V60 which...
by karpems
Sun Aug 02, 2015 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Physician Asset Protection
Replies: 35
Views: 5057

Physician Asset Protection

Hey Everyone,

I have recently finished my fellowship and starting a new phase in life.

Given the current litigious society, we are starting to think about asset protection from malpractice suits. Anyone have any advice?

Thanks!
by karpems
Mon Jul 20, 2015 6:10 am
Forum: Investing - Theory, News & General
Topic: Annuities-when and why?
Replies: 46
Views: 7645

Re: Annuities-when and why?

thanks everyone!
by karpems
Sun Jul 19, 2015 9:44 pm
Forum: Investing - Theory, News & General
Topic: Annuities-when and why?
Replies: 46
Views: 7645

Annuities-when and why?

I have been reading about annuities and I am still having trouble trying to figure out the proper use of them in a portfolio. Does anyone own any? If so, why? We have maxed our 403/457 and HSA. Should we consider investing in an annuity? I know fidelity has some low expense ratio funds available in ...
by karpems
Sat Jun 13, 2015 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Options
Replies: 6
Views: 1233

Re: 529 Options

awesome response. Thank you! I think you have convinced me to do $20,000 in the Oklahoma plan and anything additional in a taxable account. So take this one annual deposit at a time. $20,000 deposit, you avoid 20k * .0525 in taxes, or $1050 immediately. OTOH, what does it "cost you". Assum...
by karpems
Sat Jun 13, 2015 7:16 am
Forum: Personal Finance (Not Investing)
Topic: 529 Options
Replies: 6
Views: 1233

Re: 529 Options

Our state income tax is 5.25%
by karpems
Fri Jun 12, 2015 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Options
Replies: 6
Views: 1233

529 Options

I currently live in the State of Oklahoma and our 529 plan is not the best. We have a three year old daughter. The current plan we invest in is the following: http://s21.postimg.org/hxc2j642b/Investment_Options_Oklahoma_529_College_Saving.jpg The expense ratio is the following: http://s24.postimg.or...
by karpems
Sun Jun 07, 2015 7:08 pm
Forum: Personal Consumer Issues
Topic: Chromebook purchase
Replies: 30
Views: 3503

Re: Chromebook purchase

Is there any way to run quicken with a chromebook?
by karpems
Thu Jun 04, 2015 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Account
Replies: 5
Views: 839

HSA Account

i am setting up an HSA and my local bank does not give any investing options, only a savings account. We use fidelity for our retirement which does not do HSA either. Where does everyone house their HSA accounts? Is it "kosher" to do an online transfer from our HSA savings to another HSA a...
by karpems
Mon Jun 01, 2015 9:11 am
Forum: Personal Consumer Issues
Topic: good vacuum cleaner for up to $200?
Replies: 26
Views: 3466

Re: good vacuum cleaner for up to $200?

We have a shark. Very happy with it. Has a great warranty as well.
by karpems
Sun May 17, 2015 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Student Loans- Consolidate or Not?
Replies: 6
Views: 882

Student Loans- Consolidate or Not?

Hey Everyone, Just want everyone's advice. My loans from college and medical school are coming due next month. Between the eight years of higher education and the crazy loan buying/selling market, I now have twelve separate loans with four service providers(started with one service provider). The lo...
by karpems
Thu May 14, 2015 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: DRB Student loan refinance turnaround
Replies: 8
Views: 1508

Re: DRB Student loan refinance turnaround

I am currently in the process. Definitely a time consuming ordeal. They quote 2-5 business days but it took over three weeks to get things going.

They offered me 5.75 for 20 year fixed.
by karpems
Thu Apr 30, 2015 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: FIA Card Services website
Replies: 18
Views: 2665

Re: FIA Card Services website

FIA has one of the worst websites I have ever seen for a credit card. One of the main reasons we switched to Citi Double Cash Back.
by karpems
Mon Apr 27, 2015 8:28 am
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 255
Views: 33961

Re: What do you drive, and why?

Me: 2013 Awd Volvo XC70. Great size, built like a tank. Volvo safety. Reasonable MPG.

Wife's: 2015.5 Volvo V60. Small wagon with great practicality. Excellent MPG. Volvo safety.

Although we pay a little more for our cars than the average "boglehead", you can't put a price on safety.
by karpems
Sun Apr 26, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: Car Dealership Credit Report
Replies: 34
Views: 4335

Re: Car Dealership Credit Report

We went to another dealership. No credit check, no need for out S.S Number or other info.
by karpems
Sun Apr 26, 2015 6:53 am
Forum: Personal Consumer Issues
Topic: MB vs Volvo vs. Other?
Replies: 48
Views: 5279

Re: MB vs Volvo vs. Other?

We went in with the intent to purchase the XC60, however we pulled the trigger and purchased a V60. Deciding factors included excellent gas mileage, Volvo safety and excellent purchase price. Thanks for everyone's help!
by karpems
Fri Apr 24, 2015 8:34 pm
Forum: Personal Consumer Issues
Topic: Car Dealership Credit Report
Replies: 34
Views: 4335

Re: Car Dealership Credit Report

We have decided to use another dealer that does not require any sort of "verification" or social security number. Cost me an extra $200 but worth it to me.
by karpems
Fri Apr 24, 2015 6:22 am
Forum: Personal Consumer Issues
Topic: Car Dealership Credit Report
Replies: 34
Views: 4335

Re: Car Dealership Credit Report

Is there a law requiring ofac or a five line credit report?
by karpems
Thu Apr 23, 2015 8:14 pm
Forum: Personal Consumer Issues
Topic: Car Dealership Credit Report
Replies: 34
Views: 4335

Re: Car Dealership Credit Report

Thanks. The excuse they are using is that I am out of state and before they can ship me a car they need to verify who I am. I told them no. They came back and told me that they will run an "ofac" and they need a five line credit application per law. Is that something I should be concerned ...
by karpems
Thu Apr 23, 2015 7:57 pm
Forum: Personal Consumer Issues
Topic: Car Dealership Credit Report
Replies: 34
Views: 4335

Car Dealership Credit Report

I have decided to purchase a new car and will be using my personal bank for financing. The dealership states I have to fill out one of their credit applications for identity verification. Is this typical or are they f.o.s.?
by karpems
Thu Apr 23, 2015 4:19 pm
Forum: Personal Consumer Issues
Topic: MB vs Volvo vs. Other?
Replies: 48
Views: 5279

Re: MB vs Volvo vs. Other?

We spent a few hours test driving yesterday and really liked the Volvo V60. Seems like a nice compromise. 37mpg highway. 4 year/50,000 mile warranty. Volvo safety.

They have some impressive discounts now.
by karpems
Thu Apr 23, 2015 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Consolidation- DRB
Replies: 11
Views: 1518

Student Loan Consolidation- DRB

I am considering consolidating all of my student loans to one servicer. Currently I have loans with three different servicers at an average interest rate of 5.8%.

Anyone have any experience with DRB bank? They seem to advertise pretty heavily online and have competive rates.
by karpems
Thu Apr 23, 2015 8:01 am
Forum: Personal Consumer Issues
Topic: Cruises
Replies: 35
Views: 7398

Re: Cruises

We usually do a cruise or two a year. Always find the best deals on vacationstogo or Sam's club.
by karpems
Wed Apr 22, 2015 7:02 am
Forum: Personal Consumer Issues
Topic: MB vs Volvo vs. Other?
Replies: 48
Views: 5279

Re: MB vs Volvo vs. Other?

[quote=" I would like to know more about your priorities & goals.[/quote] 1. Safety 2. Some sort of luxury status. My wife visits people's homes for work and pulling up in a nicer car makes an excellent impression 3. Reliability 4. Room for kids and strollers 5. Reasonable gas mileage Thanks.

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