Search found 911 matches

by Gemini
Sun Oct 14, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Proton Mail
Replies: 35
Views: 5515

Re: Proton Mail

It doesn't appear that you can add ProtonMail as an email account in IOS yet, it uses its own dedicated app. The app seems to work well and it's free, but I would like to be able to read and send from ProtonMail using "All Inboxes" on my iPhone. Right now I can't do that unless I'm misinformed. Cor...
by Gemini
Sun Oct 14, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Proton Mail
Replies: 35
Views: 5515

Re: Proton Mail

Update: I have been using protonmail and it is great. There is a mobile app as well. No issues so far. I am considering jumping for the paid version. It is very easy to send secure messages. The interface is very simple so even non-tech folk can use it very easily. All in all, I am happy with proton...
by Gemini
Sun Oct 14, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: 37th Parallel Properties
Replies: 7
Views: 1665

Re: 37th Parallel Properties

Funny I found this post! I just got a letter in the mail from this company inviting me to a local steak dinner...
by Gemini
Fri Jul 20, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Please help me get to 80/20
Replies: 6
Views: 1231

Re: Please help me get to 80/20

Bueller? Bueller?
by Gemini
Wed Jul 18, 2018 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me get to 80/20
Replies: 6
Views: 1231

Re: Please help me get to 80/20

Thanks.

Anyone else care to chime in?
by Gemini
Sun Jul 15, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Please help me get to 80/20
Replies: 6
Views: 1231

Re: Please help me get to 80/20

How much of a small value tilt do you want? 15-20% Are you trying to achieve a certain factor loading, a certain M* style box, or do you just want x% in a fund with "small value" in the name? Some small value funds are not really small value as I am sure you are aware. Ideally, I would want a fund ...
by Gemini
Sun Jul 15, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Please help me get to 80/20
Replies: 6
Views: 1231

Please help me get to 80/20

I have outlined our current asset allocation combined as below. I want to re-balance to 80/20 with 50% international (with 1/3 of this intl as emerging) along with a little SCV tilt. We are also sitting on a cash in our Fido accounts and not sure how I should invest. The percentages next to each acc...
by Gemini
Mon May 07, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Help me choose a second computer monitor
Replies: 18
Views: 1499

Re: Help me choose a second computer monitor

Is there any advantage to a curved monitor for my needs?

I see this on sale $499, curved, 32": https://www.buydig.com/shop/product/SAM ... -144Hz-1ms
by Gemini
Wed May 02, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Help me choose a second computer monitor
Replies: 18
Views: 1499

Re: Help me choose a second computer monitor

I’m not sure why a tech website would recommend 1920x1080 resolution for a 30” monitor. That would look very...ummm...crunchy. If you’re only using 1920x1080 resolution, your best bet is to get the same size as you already have. Put them side by side, adjust the brightness to be similar. A 30” moni...
by Gemini
Wed May 02, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Help me choose a second computer monitor
Replies: 18
Views: 1499

Re: Help me choose a second computer monitor

I don't have any specific recommendations ( I've got a 40" TV as a second monitor) , but I wanted to point out that if you have DisplayPort out you can use HDMI, you just need to buy a DP to HDMI cable. Ah yes I have seen these but I read it may not be as good as DP to DP Aren't the letters really ...
by Gemini
Wed May 02, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Help me choose a second computer monitor
Replies: 18
Views: 1499

Help me choose a second computer monitor

I currently use a lenovo all in one desktop which has a 23" Wide IPS LED (16:9) 1920 x 1080. I need a second monitor. This machine does not have HDMI but only a display port. I don't game - this is for just regular use. I want something a little bigger like 30". I have been reading and most tech web...
by Gemini
Tue Apr 24, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Buying a home with water damage
Replies: 21
Views: 1995

Re: Buying a home with water damage

I'd counter with a take it or leave it offer reduced from the asking price by 2X the amount of professional repair estimates. If they say no, walk. I was thinking something along these lines, as well tagging on 20-25% off for the headache of going through with this. Ideally, I would like the house ...
by Gemini
Mon Apr 23, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home with water damage
Replies: 21
Views: 1995

Re: Buying a home with water damage

Appreciate the replies. Just making sure I am not missing anything here.

The first principle is that you must not fool yourself and you are the easiest person to fool. Richard P. Feynman (this reminds me of me when it comes to his house)
by Gemini
Mon Apr 23, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Buying a home with water damage
Replies: 21
Views: 1995

Buying a home with water damage

We are in a very HCOL. We saw a house, which was nice, but pricey. The house subsequently was taken off the market, so we figured it sold. Apparently, a month before closing, the second floor washer hose broke, leading to a flood of the house. Real estate agent said water was live for 8 hours. The e...
by Gemini
Tue Apr 17, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: Meb Faber/Cambria/Trinity Funds
Replies: 49
Views: 5280

Re: Meb Faber/Cambria/Trinity Funds

Who is Merriman using? DFA?
by Gemini
Sun Apr 15, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Investing for a 1 year old
Replies: 9
Views: 1244

Investing for a 1 year old

Title says it all...any unique ideas? I was considering a small amount in SCV in a trust that he cannot touch until 65 and letting it ride :D

We already have a 529.
by Gemini
Sun Apr 15, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: New Tax Law and S Corp
Replies: 2
Views: 339

Re: New Tax Law and S Corp

This is the best overview I have run across so far on the pass-through https://www.kitces.com/blog/pass-through-business-deduction-rules-qualified-business-income-qbi-limits/?utm_source=rss&utm_medium=rss&utm_campaign=pass-through-business-deduction-rules-qualified-business-income-qbi-limits&utm_so...
by Gemini
Sun Apr 15, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: New Tax Law and S Corp
Replies: 2
Views: 339

New Tax Law and S Corp

I was discussing the pass thru deduction with my accountant. He stated that since our income is over $415K, the only way we are eligible for this deduction from a side gig is via deduction of the LESSER of 50% of wages or 20% of income and since we are a husband/wife partnership, there are no wages ...
by Gemini
Thu Apr 12, 2018 8:06 pm
Forum: Investing - Theory, News & General
Topic: Meb Faber/Cambria/Trinity Funds
Replies: 49
Views: 5280

Meb Faber/Cambria/Trinity Funds

I have been listening to Meb's podcast and it is a good one. Has anyone from here invested with Cambria? I checked the website and there is 0% management fee to invest into the Trinity funds, which are rated 1-6 from least to most aggressive, with a $100K minimum. I believe you pay per fund though, ...
by Gemini
Mon Apr 09, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401K contribution for a partnership
Replies: 6
Views: 450

Re: Solo 401K contribution for a partnership

2017 $54K - $18K 403b employee elective contributions - $0 403b employer contributions = $36K maximum one-participant 401k employer contributions. FYI from IRS regulation, 26 CFR 1.401-10 - Definitions relating to plans covering self-employed individuals, (e) Definition of employer, (1) For purpose...
by Gemini
Mon Apr 09, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401K contribution for a partnership
Replies: 6
Views: 450

Re: Solo 401K contribution for a partnership

It is not clear what you mean by this statement; "with a solo 401K for each one of us". The partnership is the employer which must adopt the one-participant 401k plan. The partners are treated as employees and should open individual accounts under the same partnership plan. If you have separate pla...
by Gemini
Mon Apr 09, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401K contribution for a partnership
Replies: 6
Views: 450

Re: Solo 401K contribution for a partnership

It is not clear what you mean by this statement; "with a solo 401K for each one of us". The partnership is the employer which must adopt the one-participant 401k plan. The partners are treated as employees and should open individual accounts under the same partnership plan. If you have separate pla...
by Gemini
Sun Apr 08, 2018 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Consulting income-how to manage taxes?
Replies: 11
Views: 1164

Re: Consulting income-how to manage taxes?

Your situation seems similar to mine except I am setup as a partnership. I am going over some of the same issues here and outlining as I learn: viewtopic.php?f=2&t=246527

Maybe it will help shed some light into your situation as well.
by Gemini
Sun Apr 08, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401K contribution for a partnership
Replies: 6
Views: 450

Solo 401K contribution for a partnership

Trying to figure out contributions for 2017. Our setup: LLC setup as a partnership husband/wife with a solo 401K for each one of us @ Fido. Both of us also have W2 income and contribute max to our regular work 401K/403b plans. 1. When figuring out contributions to a solo 401K, do we use the gross in...
by Gemini
Sat Nov 25, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Help with S Corp - costs, benefits, etc
Replies: 15
Views: 1317

Re: Help with S Corp - costs, benefits, etc

not sure where you got the $200k figure to make it worthwhile. I find payroll using quickbooks to be fairly simple, but there is a learning curve. Well average cost to go this route would be $2-3K and roughly for every 100K of distribution, you save about $3K or so. (all rough numbers in my case I ...
by Gemini
Sat Nov 25, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Help with S Corp - costs, benefits, etc
Replies: 15
Views: 1317

Help with S Corp - costs, benefits, etc

Currently, we have a LLC setup with a husband/wife partnership and a solo 401K. Considering filing as S corp beginning next year as income has increased. Benefits: 1. You pay payroll taxes (Social Security and Medicare) on the wages but not the distributions. Cons: 1. More paperwork, more cost After...
by Gemini
Sun Oct 29, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 575145

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: 2924
Views: 575145

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: 2924
Views: 575145

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: 2924
Views: 575145

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: 1315

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: 387

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: 482

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: 482

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: 1315

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: 3835

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: 1315

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: 1315

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: 1315

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: 1315

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: 2924
Views: 575145

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: 531

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: 7229

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: 2924
Views: 575145

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: 2924
Views: 575145

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: 1092

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: 5382

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: 713

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: 1320

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...