Search found 75 matches

by samsmith
Fri Mar 24, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 5
Views: 160

Re: thoughts on in-ceiling speakers?

I have in-ceiling speakers for the two rears.
The two fronts and centers sit on shelves by the tv.
by samsmith
Sun Mar 19, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Help me pick a computer
Replies: 71
Views: 3426

Re: Help me pick a computer

I have been following this thread (since I also needed a new computer). For what its worth, I went to Microcenter and purchased (based on much of the feedback in this thread). Intel Core i5-7500 Processor 3.40GHz Microsoft Windows 10 Home 64-bit 16GB DDR4-2133 RAM 1TB Hard Drive 250GB Solid State Dr...
by samsmith
Wed Mar 15, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 101
Views: 9458

Re: Early Retirement - what to do about healthcare?

I posted almost the exact same question about 10 days ago. And got about the same answers - or lack thereof. In my case, I am closer to retirement - maybe 18 months out and at that time will be about 60. So cobra gets me 18 months of the way to Medicare, but then I have a gap. And the ACA plans in m...
by samsmith
Mon Mar 06, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Health Insurance
Replies: 8
Views: 602

Re: Buying Health Insurance

Paying cash for the "docs you like" works for primary care docs and if you stay healthy. If you get sick - paying cash for out-of-network hospitals will get very expensive quickly. And the rates wont be the "discounted" ones that insurers get. Cobra currently does not allow exten...
by samsmith
Sun Mar 05, 2017 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Health Insurance
Replies: 8
Views: 602

Buying Health Insurance

Would like to consider retiring in next few years (age 55). Does anyone have suggestions for purchasing health insurance? I can only cobra for 18 months. The ACA plans offered in my state seem to have a limited doctor/hospital network. I am not so much looking for any subsidies, rather any suggestio...
by samsmith
Sat Feb 04, 2017 4:27 am
Forum: Investing - Help with Personal Investments
Topic: All investments with Vanguard - Should I diversify
Replies: 19
Views: 1794

Re: All investments with Vanguard - Should I diversify

A vote here for diversity.

i would opt for Fidelity or Schwab as my second choice. so if you don't like FIDO (for whatever reason), than I would look to Schwab. TD Ameritrade might be another possibility - especially if they have a local branch.
by samsmith
Fri Jan 13, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional 401k vs Roth 401
Replies: 4
Views: 450

Traditional 401k vs Roth 401

My daughter (24) has just started a job with a megacorp. Salary will put her in upper middle of 25 % bracket. Megacorp has both traditional and Roth 401k with a matching program. I am working on her to maximize as much of the match as possible. They will match money in either the t401 or Roth 401. M...
by samsmith
Mon Jan 09, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Getting Subaru Legacy(4Cyl 2.5L or V6 3.6R?)
Replies: 56
Views: 4314

Re: Getting Subaru Legacy(4Cyl 2.5L or V6 3.6R?)

Own the Legacy 2015 3.6R. Debated a lot between the 4 and 6. Ended up picking the 6. I am very happy with my decision. I think the 6 has a very smooth and quiet ride and has better "pickup" on the few times I need it. Now had I got the 4, my guess is I would have been satisfied with that. ...
by samsmith
Wed Nov 09, 2016 5:38 pm
Forum: Personal Consumer Issues
Topic: Medical practice partnership - schedule issues - advice needed
Replies: 41
Views: 2743

Re: Medical practice partnership - schedule issues - advice needed

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?
by samsmith
Sun Oct 30, 2016 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Selling practice for a lump sum
Replies: 39
Views: 3736

Re: Selling practice for a lump sum

I don't think you have said what type of medical practice/specialty this is? Might affect my thinking. Also, what happens after 5 years? I assume at that time you will have "earned" your entire buyout. If so, what are the rules on leaving. Is there a local non-compete? I would expect you c...
by samsmith
Sun Oct 23, 2016 10:20 pm
Forum: Personal Consumer Issues
Topic: advice on buying a new Outback/Legacy/Camry
Replies: 20
Views: 2167

Re: advice on buying a new Outback or Legacy

I have the 2015 Legacy 3.6R and I am very happy with it. I would consider paying extra for the Eyesight - as I think that is a very nice safety package. I went with emailing several dealers and worked off of invoice price - since the in-stock models tend to all have slightly different options and a ...
by samsmith
Wed Oct 12, 2016 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard or Fidelity Brokerage
Replies: 28
Views: 3038

Re: Vanguard or Fidelity Brokerage

I have both (and Schwab). As others have said, I think Fidelity's service is a tad better than Vanguards - and I have a service center near my home which is nice. In the end, I don't think you can go wrong with any of these three, though I like the mutual fund options better with Vanguard or Fidelit...
by samsmith
Wed Oct 12, 2016 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 233
Views: 37870

Re: Bank of America/Merrill Edge - Preferred Rewards

If I intend to do this - I would use a direct transfer from my current brokerage to ME. My plan would be to transfer in kind several ETFs. 1. By doing a direct transfer, I never touch the money and minimize the chance of the IRS characterizing this as a distribution? Does this sound correct? 2. Assu...
by samsmith
Mon Oct 03, 2016 6:20 pm
Forum: Personal Consumer Issues
Topic: Comcast vs Uverse
Replies: 13
Views: 1022

Comcast vs Uverse

Just received another Comcast rate increase and had a poor customer service experience with Comcast.
Thinking of switching to uverse - but would hate to be spiting myself.
Does anyone have any thoughts?
Thanks
by samsmith
Mon Oct 03, 2016 4:54 pm
Forum: Investing - Theory, News & General
Topic: Step in basis of Partnership?
Replies: 1
Views: 226

Step in basis of Partnership?

Not sure anyone would have an answer. But does anyone know how a step up in basis would work if someone left a partnership interest (LLC taxed as partnership) to a beneficiary in a will. Imagine the partnership only holds cash and marketable securities. The will leaves the partnership interest to a ...
by samsmith
Mon Sep 05, 2016 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Does a trust need to have a financial advisor involved?
Replies: 12
Views: 789

Re: Does a trust need to have a financial advisor involved?

Certainly would not think you need an adviser for the trust FBO of yourself. As for the trust that is FBO of your sister that might be a bit trickier - depending (in my my opinion somewhat on your relationship with your sister). While i understand you as trustee have the Fiduciary responsibility - I...
by samsmith
Sat Jul 09, 2016 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Due diligence before becoming a shareholder in a medical practice
Replies: 30
Views: 2857

Re: Due diligence before becoming a shareholder in a medical practice

I doubt he would get into the nitty gritty of the expenses/overhead as the shareholder agreement I sent him is very broad and does not mention compensation formulas at all. There has to be something in writing regarding the compensation formula. It should not be this vague. While I would want to kn...
by samsmith
Sat Jul 09, 2016 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Due diligence before becoming a shareholder in a medical practice
Replies: 30
Views: 2857

Re: Due diligence before becoming a shareholder in a medical practice

You should be able to get a very clear understanding on how overhead is calculated and how it is distributed/assigned to each doctor. There is no "right" way. There are many different formulas. The formula / methodology that your group is using should be clearly explained. Also are all the...
by samsmith
Tue Jun 21, 2016 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Any ESPP Advice?
Replies: 23
Views: 1546

Re: Any ESPP Advice?

I am with the others. I max out my company's ESPP (15% discount) and then sell immediately every six months.
I just view it as additional ordinary income and pay the tax as such.
by samsmith
Wed Jun 15, 2016 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 70
Views: 7705

Re: Who has needed to use their umbrella insurance?

I just increased my umbrella coverage. Never used it.
by samsmith
Fri Jun 03, 2016 10:04 pm
Forum: Personal Consumer Issues
Topic: Identity Protection Help Needed
Replies: 12
Views: 1065

Re: Identity Protection Help Needed

Yes to police report
It was $10 per freeze - so I just did them quickly and paid the $10 (as opposed to sending the police report in attempt to get for free).
by samsmith
Thu Jun 02, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: Identity Protection Help Needed
Replies: 12
Views: 1065

Re: Identity Protection Help Needed

No luck on finding discarded documents.
Bank notified.
Credit card company notified.
State department notified.
credit freeze with all three bureaus in place.
Medical insurance company notified (least helpful)

Thanks for all the advice.
by samsmith
Thu Jun 02, 2016 7:25 am
Forum: Personal Consumer Issues
Topic: Identity Protection Help Needed
Replies: 12
Views: 1065

Identity Protection Help Needed

My son just had his wallet, passport, checkbook and drivers licences stolen from a parked car. Getting past the question of why he left it in the car, he has already notified credit card company and bank. I am worried about identity theft protection going forward. Any suggestions? Lifelock? Other co...
by samsmith
Sun May 22, 2016 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Buying land in West
Replies: 30
Views: 3132

Re: Buying land in West

Thanks for all the replies. I did not realize the water issue. I kind of thought of trying to buy ~ 80 acres and the putting something "simple" on it. I would view it as kind of "play" money (as one poster put it). My current position allows me to work pretty much anywhere (with ...
by samsmith
Sat May 21, 2016 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Buying land in West
Replies: 30
Views: 3132

Buying land in West

Would like to diversify a bit from just stocks, bonds, cash. My thought is to buy land real estate that might appreciate over the years. Plus would like to use the real estate as a summer place for my family. Anyway my idea is to look for something in North Dakota or Momtana. Does anyone have any ex...
by samsmith
Mon Feb 08, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: generator [Thinking about a generator]
Replies: 38
Views: 2927

Re: generator

I got a Generax. Hooked into a natural gas line with auto start. And...

No power outages in the 12 months since the install
by samsmith
Mon Jan 11, 2016 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Subaru VIP program question
Replies: 16
Views: 3724

Re: Subaru VIP program question

Similar to others. Invoice price us available at multiple online sites. I purchased my Subaru at Grand in Chicago. Get their internet price.
by samsmith
Sun Nov 29, 2015 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance - Evaluate My Plan
Replies: 8
Views: 1716

Re: Term Life Insurance - Evaluate My Plan

Seems like a lot of insurance to me. I would consider "laddering" some into a 20 year policy - since as you get older the need for insurance should decline and I would expect a fairly significant premium increase between 20 and 30 year term. Might also consider setting up a life insurance ...
by samsmith
Wed Nov 25, 2015 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly in-laws moving in: what to consider?
Replies: 66
Views: 10647

Re: in-laws moving in

The addition is estimated to cost ~ $100k. About how much is your house currently worth?
by samsmith
Mon Nov 23, 2015 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: solo 401k question
Replies: 8
Views: 617

Re: solo 401k question

Plus - I believe if your S-corp pays you a W2 wage, then the S-Corp also has to pay Social Security Tax
by samsmith
Thu Nov 19, 2015 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: MDs--Academics or Private Practice?
Replies: 47
Views: 6940

Re: MDs--Academics or Private Practice?

are you married? SO? Would be a factor to consider.
by samsmith
Thu Nov 19, 2015 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: MDs--Academics or Private Practice?
Replies: 47
Views: 6940

Re: MDs--Academics or Private Practice?

Done both.
#2 seems like a very good private practice job. #1 seems like a pretty weak academic job.
I would opt for 2
by samsmith
Thu Nov 19, 2015 6:23 pm
Forum: Personal Consumer Issues
Topic: Are Subarus reliable?
Replies: 81
Views: 11301

Re: Are Subarus reliable?

Own a 2015 Subaru Legacy.
Very happy with it after one year.
Seemed to me the best value with significant safety features not yet available on comparably priced Hondas or Toyotas.
by samsmith
Mon Nov 02, 2015 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: College Admission Time, What parents need to be aware and how to be helpful
Replies: 284
Views: 29338

Re: College Admission Time, What parents need to be aware and how to be helpful

I see your son is applying early to MIT and UMich - both of these are early action. So find to apply to more than one. However, considering the elite nature of some of the schools on the list, he want to consider applying Early Decision to a top choice. I understand that only works if he is sure abo...
by samsmith
Wed Oct 07, 2015 8:35 pm
Forum: Personal Consumer Issues
Topic: Tipping at a Barbershop
Replies: 54
Views: 5323

Re: Tipping at a Barbershop

Go to Haircuttery. Tip $5
by samsmith
Sun Aug 16, 2015 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Irrevocable Life Insurance Trust (ILIT) - worth it for term life and/or other purposes?
Replies: 52
Views: 3644

Re: Irrevocable Life Insurance Trust (ILIT) - worth it for term life and/or other purposes?

My 2 cents. I am also an MD (so not a lawyer). Did an ILIT years ago for my insurance policies. It made sense at that time and I feel it was money well spent. Very easy administration over the years (virtually none). As others have said - I would suggest ensuring that life insurance proceeds end up ...
by samsmith
Wed Jul 29, 2015 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Best Way to Approach Move to Index Funds in Complex Portfolio
Replies: 13
Views: 1406

Re: Best Way to Approach Move to Index Funds in Complex Portfolio

While I might spread out the gains into different tax years (as others have suggested), I would not worry so much about the fact that you are "teetering" between the 28% and 33% brackets. If you take some gains and that pushes you into the higher bracket, only the incremental income over t...
by samsmith
Sun Jul 26, 2015 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Keep or Cancel Disability Insurance
Replies: 1
Views: 329

Keep or Cancel Disability Insurance

Purchased several disability policies when I was younger. Luckily now in my mid-50s and in good health. Cant decide on whether to keep or cancel policies. They total about $5K a year in premiums. On one hand, they only pay thru age 65 and I could probably live off my savings - if I became disabled. ...
by samsmith
Wed Jul 15, 2015 10:13 pm
Forum: Personal Consumer Issues
Topic: Should we fix a car scrape before getting Carmax quote?
Replies: 12
Views: 2586

Re: Should we fix a car scrape before getting Carmax quote?

Hard to know for sure, but I would not fix. I think Carmax can do repairs and simple body work themselves. In any case, I doubt you would get a reasonable return.
by samsmith
Tue Jul 14, 2015 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Bank offers promotional money market rate only to new money. How does that work?
Replies: 18
Views: 1588

Re: Bank offers promotional money market rate only to new money. How does that work?

Not surprised the teller does not know. My guess is that if you are willing to go thru the "hassle" of moving the money out of the bank and then writing a check from the outside bank to move the money back will result in the promotional rate. Might not be the "spirit" of the prom...
by samsmith
Mon Jul 13, 2015 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Physician: Which Job to Choose
Replies: 32
Views: 4205

Re: Physician: Which Job to Choose

I'd lean towards # 3 - assuming the pay is comparable.
by samsmith
Wed Jul 01, 2015 3:38 pm
Forum: Personal Consumer Issues
Topic: Medicare Billing Question
Replies: 10
Views: 1519

Re: Medicare Billing Question

hey took a completely different approach billing for my right hand surgery. (The surgery was nearly identical to the left hand). On this one they billed $3,800 for code G0260 (Injection Procedure For Sacroiliac Joint; Provision Of Anesthetic, Steroid And/Or Other Therapeutic Agent, With Or Without ...
by samsmith
Wed Jun 24, 2015 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: SSGA (500 index) vs IVV vs PREIX
Replies: 3
Views: 784

Re: SSGA (500 index) vs IVV vs PREIX

Jumping thread for thoughts?
by samsmith
Thu Jun 18, 2015 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: SSGA (500 index) vs IVV vs PREIX
Replies: 3
Views: 784

SSGA (500 index) vs IVV vs PREIX

Transferred account into TD Ameritrade. Have been swapping my TR Rowe Price 500 Index (PREIX) (ER = .27) to IVV (no transaction fee ETF with ER = .07). Just noticed they also have SSGA 500 Index fund (SVSPX) (ER = .16). Anyway, any reason not consider the SSgA fund if I want a mutual fund as opposed...
by samsmith
Sun Jun 14, 2015 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Unwise to keep funds at one bank?
Replies: 32
Views: 4625

Re: Unwise to keep funds at one bank?

For the several reasons mentioned - I think diversifying banks makes good sense.
by samsmith
Sat Jun 13, 2015 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Employer Company Stock Purchase Programs
Replies: 14
Views: 1563

Re: Employer Company Stock Purchase Programs

I have done option 3 from my company for the last about five years. The 15% almost guaranteed income (as dowse said there is a small risk of the stock drastically dropping in the short period before you can sell) is to good to pass up. I sell immediately, take the income and pay the tax. Now over th...
by samsmith
Sun May 31, 2015 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: SSGA BOND INDEX C
Replies: 1
Views: 212

SSGA BOND INDEX C

Just noticed that my 401k has a fund called SSGA BOND INDEX C (ER = .06). It supposedly tracks the Barclays Capital U.S. Aggregate Bond Index. This seems like a good option. Any reason not to choose it versus AGG (ER = .08 - also tracks the Barclays U.S. Aggregate Bond Index) or FSITX (ER = .10 - su...
by samsmith
Mon May 25, 2015 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: $4500 reasonable for wills for blended family and some trusts?
Replies: 38
Views: 3076

Re: $4500 reasonable for wills for blended family and some trusts?

Two wills, plus QTIPS, plus POA does not sound that bad for $4500. As others have stated, I would try to nail down is this the retainer, or the flat/max rate? I have used higher priced attorneys, but I am always uncomfortable with an open ended billing arrangement. I tr to get them to tell me the fl...

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