Search found 2992 matches

by niceguy7376
Fri Oct 06, 2023 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Physicians - how to join private practice group?
Replies: 13
Views: 1721

Re: Physicians - how to join private practice group?

Finot3 wrote: Fri Oct 06, 2023 9:50 am - Year 2 and beyond: revenue minus 50% overhead.
Year 1: $150k guarantee plus whatever they generate, less the 50% overhead.

I think year 1 guarantee seems fair but the 50% overhead seems a bit too high, no?? What do you think? The practice seems legit, in that it has been in business for a while and the owner is well connected in the City.
If it currently has one doctor and your friend is the second one, then wouldnt the overhead be broken down equally among the two doctors?
by niceguy7376
Tue Sep 19, 2023 3:35 pm
Forum: Personal Consumer Issues
Topic: Taking a Lyft / Uber ride to a neighboring state?
Replies: 44
Views: 4538

Re: Taking a Lyft / Uber ride to a neighboring state?

There are other bus services outside of Greyhound that have better features and price and comfort.
by niceguy7376
Thu Sep 14, 2023 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia requesting my CA state income tax return
Replies: 41
Views: 4654

Re: Virginia requesting my CA state income tax return

quantAndHold wrote: Thu Sep 14, 2023 9:40 am I assume OP never registered their car in CA, either, which is similarly illegal.

I very time I’ve moved states, I took time during that first few days in the new state to make a visit to the DMV. That’s just how things work.
I am curious about our state GA law because i see so many out of state license plate cars that go through a full school year without changing to GA plates. I cant vouch for their license w.r.to which state issued them
by niceguy7376
Wed Aug 30, 2023 9:32 am
Forum: Personal Consumer Issues
Topic: Zelle payment for rental checks, in particular via BoA and Chase
Replies: 6
Views: 886

Re: Zelle payment for rental checks, in particular via BoA and Chase

I have both my phone and email as recipients of my zelle account and do not understand why you were unable to use zelle because something on your landlord side changed.

We have used zelle to send and receive money.

We also receive rent from tenant using zelle (email address) to the LLC account that is separate from personal accounts
by niceguy7376
Tue Aug 29, 2023 12:15 pm
Forum: Personal Investments
Topic: Advice on what to do with 600K windfall + assorted investments
Replies: 15
Views: 3190

Re: Advice on what to do with 600K windfall + assorted investments

Welcome to the group and sorry for the loss.
It might help if you mention which part of the country you are in and planning to relocate.

The first post of new members do get lost in the flurry of activity in this website and hope my post gets it to the experts attention
by niceguy7376
Wed Aug 23, 2023 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Small Business Retirement Plan Options
Replies: 6
Views: 981

Re: Small Business Retirement Plan Options

How do you do payroll? They might provide integrations with 401k companies
Guideline and Empower are pure 401k choices
by niceguy7376
Wed Aug 23, 2023 10:53 am
Forum: Personal Consumer Issues
Topic: Looking for Primer on Home Solar
Replies: 27
Views: 3033

Re: Looking for Primer on Home Solar

Anybody in here that got Solar Panels in GA?
Our HOA president got it on the front side and I now assume that they will approve. This was my hesitancy till now. His installer gave a very high quote ($3.87/W)

I am now in the market but cannot find any local installers that can provide quotes.

Tesla gave me a quote that is very interesting.
7.625 KW system (18 panels @ 425 W) at $2.73/W before Federal rebates ($20884).

What should I be looking for in the quotes?
What should I be asking the installers?

Since I dont have any people that already have it in the local area to ask any questions.
Our Utility does monthly net metering (Sawnee EMC)
by niceguy7376
Thu Jun 29, 2023 8:42 am
Forum: Personal Consumer Issues
Topic: Alaska Cruise in 2024 - Best for kids?
Replies: 14
Views: 2439

Re: Alaska Cruise in 2024 - Best for kids?

I am from Atlanta and have two girls in early teens. Interested in that trip next summer. we are also thinking of doing one way cruise and then fly back.

We have been on NCL in the Caribbean islands and there was a basketball court and rope course.
by niceguy7376
Wed May 31, 2023 4:36 pm
Forum: Personal Consumer Issues
Topic: Atlanta suburbs
Replies: 60
Views: 4298

Re: Atlanta suburbs

In that price range, you should get some houses in South Forsyth (Suwanee city address in Forsyth County and not Gwinnett, Cumming) that would be about exit 12 to 15 on 400 Highway. The houses would definitely be 2000-2800 sq ft and built in this century.

School year has come to an end and you should see some more listings now.
by niceguy7376
Mon May 22, 2023 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Alternatives to handing my brokerage statements to mortgage companies?
Replies: 28
Views: 2415

Re: Alternatives to handing my brokerage statements to mortgage companies?

There is no way around the full tax returns.
W2 doesnt tell the whole story
by niceguy7376
Tue May 16, 2023 11:39 am
Forum: Personal Consumer Issues
Topic: Best cities with lots of outdoor/hiking activities and good year round weather
Replies: 248
Views: 25320

Re: Best cities with lots of outdoor/hiking activities and good year round weather

NE suburbs of Atlanta anywhere upto Dahlonega - Near to city life on one side and rural/smokies on other side
by niceguy7376
Tue Apr 25, 2023 4:10 pm
Forum: Personal Consumer Issues
Topic: Blown Gasket - Time for a new car? EV?
Replies: 41
Views: 3309

Re: Blown Gasket - Time for a new car? EV?

We have Ioniq5 (no federal credit) and a level 2 at home.
Since EA gives 2 years of 30 minute at a time free sessions, I still do most of my charging at EA and complete the grocery shopping within the 20-30 minute time it takes to go from 15 to 80%.
by niceguy7376
Tue Apr 25, 2023 8:04 am
Forum: Personal Consumer Issues
Topic: Renting Tesla 3 first time, tips?
Replies: 17
Views: 1740

Re: Renting Tesla 3 first time, tips?

Do they provide a key or card for the rentals? Or is it just an App with a guest mode?
Should you then create a profile the first time to set up settings?

If you need to charge, you then need an account and provide credit card info in that account?

Will you be able to connect your phone to the car? If so, when returning the car, you need to wipe out that personal info
by niceguy7376
Tue Apr 18, 2023 10:55 am
Forum: Personal Consumer Issues
Topic: Passport Online Renewal in Jan - still not gotten my passport
Replies: 33
Views: 3200

Re: Passport Online Renewal in Jan - still not gotten my passport

I dont know why it should take so long for renewals.
All they need to do is to run any scan of issues on prior passport number and verify the picture.

I see no reason for there to be delay in those renewals. It is not like they are manually printing the passport pages and making a book and such.
by niceguy7376
Mon Apr 17, 2023 11:06 am
Forum: Personal Finance (Not Investing)
Topic: How April 18 deadline for 401k Catch up contributions will help in reducing 2022 taxes to be paid
Replies: 24
Views: 1809

Re: How April 18 deadline for 401k Catch up contributions will help in reducing 2022 taxes to be paid

Where do you (in which company) plan on contributing your IRA? Fidelity / VG etc companies. Do you already have accounts with them for prior year(s) Trad IRA contributions? If so, if you login to your account and go through contribution steps (only if you do that today or tomorrow), you will get an option to select the year this contribution should be applied to. You then select 2022 and contribute whatever you can till the max limit for each of you. You can contribute 7k and your spouse another 7k. Once you do that, you go into your tax return software and enter the total amount contributed by both of you and then the taxable amount should go down ( if the trad ira is deductible). Even if you extended your time to file the taxes, the time ...
by niceguy7376
Sat Apr 01, 2023 2:28 pm
Forum: Personal Consumer Issues
Topic: Athletics pathway to college
Replies: 110
Views: 10853

Re: Athletics pathway to college

I know of someone in ATL that started their daughter in 4th grade in fencing solely with the aim of Ivy league admissions.
Now in 6th grade, they have travelled on so many weekends to tournaments in North America and South America.

I have no idea of where she is ranked in her age category but they sure are spending upwards of 25k per year
by niceguy7376
Sat Apr 01, 2023 2:10 pm
Forum: Personal Investments
Topic: Contributed to iBonds in 2022 for 1st time. Tax Implications?
Replies: 6
Views: 1137

Re: Contributed to iBonds in 2022 for 1st time. Tax Implications?

Thank you all for the info.
For simplicity for 30 years, i will tackle the taxes after 30 years.
by niceguy7376
Fri Mar 31, 2023 3:18 pm
Forum: Personal Investments
Topic: Contributed to iBonds in 2022 for 1st time. Tax Implications?
Replies: 6
Views: 1137

Contributed to iBonds in 2022 for 1st time. Tax Implications?

Hi,
We contributed to ibonds in 2022. What are the considerations of that action with regards to 2022 tax return filing?
by niceguy7376
Tue Mar 28, 2023 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Pre-nup / Asset Protection Trust for HNW individual / advice
Replies: 60
Views: 6894

Re: Pre-nup / Asset Protection Trust for HNW individual / advice

I am a Male.
7+ years of relationship (her age is not mentioned) and her net worth is still <100K and dependent on you.

So, from a pure practical purpose, why get married and worry about all these ?
Do you plan on having kids? That is the ice breaker / deal braker in these type of relationships
by niceguy7376
Mon Feb 27, 2023 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Buying a business with employees - what to do with SOLO 401k
Replies: 2
Views: 376

Re: Buying a business with employees - what to do with SOLO 401k

What to do with Solo 401k?
1. Leave it as is until you close the solo 401k business.
2. Move it to personal IRA (Trad and/or roth parts)
3. Move it to another 401k (if they accept) - be it your current W2 job 401k or the new business 401k(if you set one up).

If you buy the business, does it currently offer a retirement plan? If not, do you plan on offering one?
by niceguy7376
Mon Feb 20, 2023 1:53 pm
Forum: Personal Consumer Issues
Topic: Ioniq 5 SEL AWD vs. ID.4 Pro S AWD
Replies: 68
Views: 5888

Re: Ioniq 5 SEL AWD vs. ID.4 Pro S AWD

Con: It does not have the software that Tesla has. Car still cannot guide you from A to B with intermediate charging locations info. I use ABRP app for that. Is that coming in a software update? That seems like a big omission. Can ABRP actually get data from the car about actual range, or is it just working from averages? I use that any time I road trip in the Tesla. Traveling over 70 MPH runs the battery down faster, so knowing what the car actually says seems helpful. I would not count on that feature coming any time soon from Hyundai. ABRP works based on the values we enter into the App. Atleast on East Coast, Electrify America has good coverage and thus can easily trip plan the route. We have owned the car for 10 months and had nearly ...
by niceguy7376
Mon Feb 20, 2023 8:22 am
Forum: Personal Consumer Issues
Topic: Ioniq 5 SEL AWD vs. ID.4 Pro S AWD
Replies: 68
Views: 5888

Re: Ioniq 5 SEL AWD vs. ID.4 Pro S AWD

Didnt look at any EVs (since they werent there at any dealerships) and bought Ioniq5 in May 2022 without seeing/feeling/driving it. We went with this than ID4 due to looks, better range and price (we were eligible for the rebate then). We went on a 3k mile trip in 10 days in late July to East Coast till Maine and the Electrify America super fast charging helped as we took around 20 min breaks (Walmart locations and thus a walk into walmart for restroom break and food/drink purchase during the charging). With the increase of EVs in the area, if you still want to use Electrify America, you need to time it during non peak hours. So I installed the Chargepoint at home. Pros of Ioniq5: Comfortable seating in the back with huge legroom space than...
by niceguy7376
Wed Feb 01, 2023 4:15 pm
Forum: Personal Consumer Issues
Topic: Products for getting caffeine quickly in the car
Replies: 41
Views: 5564

Re: Products for getting caffeine quickly in the car

Not exactly caffeine product but I do drink Biolyte product and love the impact it gives
by niceguy7376
Fri Jan 20, 2023 11:10 am
Forum: Personal Consumer Issues
Topic: Florida Tolls
Replies: 21
Views: 2291

Re: Florida Tolls

Resident of GA and thus have Peach Pass.
Took sunpass a few years before to cover FL when FL and GA did not have an agreement.
Also have MA EZPass to cover the North East (no monthly fee).

Now need to look at IL ipass as some mentioned above to see if that makes more sense to eliminate some of these other passes.

Wish it can be a simple process.
by niceguy7376
Mon Jan 02, 2023 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Father Passed Unexpectedly - He Was Self-Managing 56 Rental Units
Replies: 42
Views: 9407

Re: Father Passed Unexpectedly - He Was Self-Managing 56 Rental Units

Which State are your father's properties?
Can provide referrals in GA
by niceguy7376
Tue Dec 20, 2022 2:06 pm
Forum: Personal Consumer Issues
Topic: EV SUV around $65K
Replies: 157
Views: 14469

Re: EV SUV around $65K

IONIQ5 would have been a perfect fit for the OP. There are many dealers that are now selling it at MSRP.

When we bought in May, we went to NC to get at 2.5K more than MSRP as local ATL ones were asking a lot more.

We love it for comfort of the seats and the leg room in the back.

Driven a lot in 6 months (15K+) with a 10 day long trip just charging at EA
by niceguy7376
Sun Nov 13, 2022 9:19 pm
Forum: Personal Consumer Issues
Topic: Best EV for around $50k, or RAV4 Prime???
Replies: 133
Views: 17693

Re: Best EV for around $50k?

Hyundai Ioniq5 owner of 6 months with 15k miles put on it.
Would definitely recommend it.
It would cost a bit more than 50k for mid trim and unfortunately no federal rebate now (I got it when bought in may).
It beat ID4 for range and look and tesla 3 or y or ford mach 3 on price and immediate availability
by niceguy7376
Mon Oct 17, 2022 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple 401K [Can I make an employee contribution?]
Replies: 3
Views: 407

Re: Multiple 401K [Can I make an employee contribution?]

Welcome to the forum Rgaude4.
While I am no expert, I hope that my post puts yours at the top of the forum for the experts to chime in.
by niceguy7376
Fri Sep 23, 2022 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Employees want 401k how can I start?
Replies: 38
Views: 4283

Re: Employees want 401k how can I start?

IRAs are Individual retirement accounts and nothing do with Employer. The contribution limits are only 6.5K . I assume 100k is your income. For 10 employees, cost wise, SIMPLE IRA is the best for your company (Please do remember that you as Individual are different than COMPANY in these topics). SIMPLE IRA is easy to setup (with Fido) and employees need to start contributing and Employer need to provide 3% match to those that are contributing. Each employee can contribute upto 14k per year. Employer match will then be 3% or 3000 for 100k salary or 300 for 10k salary. The disadvantage of SIMPLE IRA for you as individual is that you cannot do back door roth (if you need to do that ofcourse). 401k would be the best option for both employer and...
by niceguy7376
Mon Sep 19, 2022 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Employees want 401k how can I start?
Replies: 38
Views: 4283

Re: Employees want 401k how can I start?

What is the company structure.
How many owners
How many employees
What would be the highest and lowest salary ratio across employees?

This info is needed to provide the best guidance
by niceguy7376
Mon Sep 19, 2022 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Inflation Reduction Act - Impact on EV credits
Replies: 120
Views: 11463

Re: federal EV tax credit

paddingtonbear wrote: Mon Sep 19, 2022 8:06 am Net worth is about 6 million
Annual gross income now 900 K
Jobs seem very stable, both physicians for large organizations, with good retirement benefits and pensions.

My 15 year old toyota camry is in dire straits.
I want something reliable where I feel like I am not overpaying.
I wish i could say the same with all my Doctors (I want reliable where i feel like I am not overpaying) but unfortunately pay a lot on health insurance and doctor visits and medicines.

900K income couple talkng about 7500 credit issues and trying to buy bare minimum range vehicle

Do you have a charger at home? How do you charge your vehicle?
Which part of the country do you live as in did you factor in the range drop in winters.
by niceguy7376
Fri Jul 08, 2022 10:41 am
Forum: Personal Consumer Issues
Topic: AT&T wireless bill going up
Replies: 92
Views: 9378

Re: AT&T wireless bill going up

eddot98 wrote: Fri Jul 08, 2022 9:50 am AT&T sucked me in with a “free” iPhone 12 but it comes with $26.67 in bill credits for 30 months. That was when we had the 4 lines. I need to just pay it off at $267.70 and switch to Spectrum or T-Mobile, but as I said inertia is a powerful force.
If you switch immediately, you can also just pay off the remaining balance on your "free" iphone. You just need to see if you will save on monthly plan every month that you switch to or the credits are worth the wait
by niceguy7376
Mon Jun 20, 2022 9:30 pm
Forum: Personal Consumer Issues
Topic: Buying an electric car for work?
Replies: 39
Views: 4198

Re: Buying an electric car for work?

Have an Hyundai Ioniq5 for less than 50 days and already have 3500 miles after completing a 1000 mile trip to FL from ATL and back.

Surprise/shock: At highway speeds of 70+ mph, my range was 3 miles a kwh (72kwh battery gives 210 miles now) compared to 4 -4.5 miles/kwh in city driving. Having AC at 74 when outside was 95+ took off a 10 mile range.

Electrify America rates in GA are 32 cents a minute while in florida is 43 cents a minute. SC is at 48 cents. Ofcourse I have a 2 year free deal.

I have a middle tier version (SEL) and the lane assist or whatever features helped me ease the tension of driving by a lot of stress levels.
by niceguy7376
Fri Jun 10, 2022 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Advice about car purchase
Replies: 63
Views: 6590

Re: Advice about car purchase

I have a 70 mile a day , 3 days a week commute. I recently sold my 16 year old, 154K mile corolla and splurged on Hyundai Ionic5. I am now enjoying my silent commute and no more visits to gas stations with the current prices. I have not checked if there were corollas or camrys that were available because i wanted to enjoy life and the commute needed to earn money.

Not all things be calculated in terms of money perspective. As long as you limit your splurges and live within your means, you should be good.
What use is having money when retired and living longer as the years at the end are not the same as life in 20s to 40s.

I looked at all the EVs that you mentioned and bought the best of the current ones is what I believe.
by niceguy7376
Fri Jun 10, 2022 2:05 pm
Forum: Personal Consumer Issues
Topic: $5000/hour for dental work?
Replies: 65
Views: 7716

Re: $5000/hour for dental work?

If you want to look at the breakdown per hour, then think of a real estate agent buying/selling a house in this hot market and getting 2 to 3% of price and the number of hours it takes to do the work.
by niceguy7376
Tue May 31, 2022 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Am I eligible for Federal Tax Credits for New All-Electric and Plug-in Hybrid Vehicles tax credit.
Replies: 7
Views: 999

Re: Am I eligible for Federal Tax Credits for New All-Electric and Plug-in Hybrid Vehicles tax credit.

Continuing the topic, in a case of MFJ, will it be dependent on tax liability of an individual whose name is on title or combined for the family?
by niceguy7376
Mon May 23, 2022 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Employer won't do state withholdings for out-of-state employee
Replies: 8
Views: 1057

Re: Employer won't do state withholdings for out-of-state employee

Would your spouse employer do the payroll as a VA resident? They need to assign the spouse to an address and thereby a state.
So in that case the spouse need to file state tax returns for both VA (as non-resident or partial resident) and CT (full time resident or partial resident).

OR are they running her payroll with a CT address but no CT state tax deduction?
by niceguy7376
Sat May 07, 2022 8:29 pm
Forum: Personal Consumer Issues
Topic: Anyone buy a car with high mark up and have no regrets?
Replies: 81
Views: 9160

Re: Anyone buy a car with high mark up and have no regrets?

We bought Ioniq5 this month by paying 4k above MSRP(Shown on website of hyundai.com). We drove 180 miles to get the car we wanted with that lowest markup. Dealerships near to my place had upto 10k markup. My thought is that by the time demand and supply even out, the inflation might have increased the prices anyway.
by niceguy7376
Fri Apr 29, 2022 4:28 pm
Forum: Personal Consumer Issues
Topic: Another Tesla vs Competition EV Post
Replies: 103
Views: 9145

Re: Another Tesla vs Competition EV Post

Looking at replacing my 06 Corolla now that my work commute is 35 one way for 3 days a week in ATL traffic, I was looking for that sweet spot of good range and good price with availability to buy this quarter.
Leaf is on the lower end of price and distance range.
Tesla Y/3 a bit too high for price (no fed tax benefit) and availability into 3/4 quarter.
Ford Mach E - not taking any more reservations.

I am now looking at Hyundai Ioniq5 availability within 300 mile radius. Most are 5K + above MSRP
by niceguy7376
Fri Mar 25, 2022 4:17 pm
Forum: Personal Investments
Topic: Employer-based 401k Business Sold
Replies: 7
Views: 948

Re: Employer-based 401k Business Sold

Type of fees and choice of funds is dependent on your Employer as well.
MY prev Employer had it with Empower. I invested in VG Institutional/Small Cap and Mid Cap.

ER of those funds are very less.
Fee charged to me is $8 per month.

My new employer 401k is with insurance company. 1% fee is charged to me. So I did not rollover the old 401k to here.
by niceguy7376
Tue Mar 08, 2022 8:33 pm
Forum: Personal Investments
Topic: Employer Clawing Back Contributions Due to Failing ERISA
Replies: 26
Views: 3277

Re: Employer Clawing Back Contributions Due to Failing ERISA

There is a employer match but it failed the HCE test means that the low salaried employees are not participating.
by niceguy7376
Sun Feb 06, 2022 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Over Contributed to 401k
Replies: 5
Views: 805

Re: Over Contributed to 401k

I had this issue as well for 2021. My prev employer had an payroll issue in first week of Nov and showed a 401k contribution but didnt deposit it into my 401k account. I joined a new employer for remaining of nov and dec and contributed the difference based on what was contributed.

The prev employer now corrected the contribution at end of Jan 2022.
Alternatively, you could eat the double taxes and move on, which some do if it's a relatively small amount of money. May want to talk to a tax professional if you need to.
How to do this and what exactly happens?
by niceguy7376
Fri Jan 21, 2022 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Considering first big purchase - mid 20s
Replies: 165
Views: 15012

Re: Considering first big purchase - mid 20s

If you order it now, will you get it for your coming birthday or the one after?
by niceguy7376
Wed Jan 19, 2022 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Contract to Hire Job Offer - Salary
Replies: 24
Views: 2810

Re: Contract to Hire Job Offer - Salary

Which stage in the process are you? Was it just a submission at this moment?
Were you interviewed by the company? If not, then is a good time to get the numbers.
by niceguy7376
Fri Jan 14, 2022 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Non-local CPA
Replies: 11
Views: 975

Re: Non-local CPA

Why does any individual need a CPA? Tax return filings?
by niceguy7376
Fri Jan 14, 2022 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Terms of employment changing - advice for negotiating higher pay?
Replies: 12
Views: 1696

Re: Terms of employment changing - advice for negotiating higher pay?

So there is a hedge fund and a temp agency and then your spouse who is a W2 of the temp agency.
Is the temp agency now pulling away the 401k benefit? If so, is it just to her or to all employees of the temp agency?

In this case, is it considered a benefit no longer being offered or "terms of employment" changing?