Search found 86 matches

by IngognitoUSA
Fri Sep 07, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 423
Views: 39942

Re: Lucrative careers?

In software you only make money if you are a revenue generator, otherwise you are a cost center and will be replaced with the lowest salary the company can get away with. That confines it to tech companies while most back office is relatively underpaid.
by IngognitoUSA
Tue Sep 04, 2018 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: I messed up I bonds questions please help
Replies: 9
Views: 1059

Re: I messed up I bonds questions please help

HueyLD wrote:
Tue Sep 04, 2018 5:11 pm
No. There is only one primary owner and only bonds registered to the primary owner will show up with his/her login.

As I said previously, the secondary owner is treated like a beneficiary for practical purposes.
Thanks
by IngognitoUSA
Tue Sep 04, 2018 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: I messed up I bonds questions please help
Replies: 9
Views: 1059

Re: I messed up I bonds questions please help

Silly question, but do the same bonds show up on both accounts in the balance if there are 2 registered people on the bonds and each had their own logon to Treasury Direct?
by IngognitoUSA
Mon Aug 27, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Planning for an Indian wedding In NY/ NH area.
Replies: 96
Views: 5411

Re: Planning for an Indian wedding In NY/ NH area.

A NH destination wedding will cut the number of attendees. Not everyone wants to pay for hotels unless you are close enough. As for red flag, could not disagree more. Wedding are important to Indians and if they are planning a $100k wedding, there is family wealth that you will get in the future.
by IngognitoUSA
Thu Jul 26, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Help Please!! Contract payments not being paid
Replies: 16
Views: 1861

Re: Help Please!! Contract payments not being paid

Depends how big the prime vendor is, if it is a smallish shop they might be collecting payment from Client and stiffing you before they declare bankruptcy. Or, some of them sell their invoices and bail out. If the prime vendor is large, then ask the Client what to do, this can be very disruptive to ...
by IngognitoUSA
Sat Jun 23, 2018 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Is this all investing is?
Replies: 38
Views: 3946

Re: Is this all investing is?

Youth is wasted on the young.

You will never be young again, remember to have a good time and make memories.
by IngognitoUSA
Thu Jun 21, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 34770

Re: What is/ was your career and would you recommend it now?

Very few jobs these days seem immune from ageism, IT being the worst.
by IngognitoUSA
Wed Jun 20, 2018 6:04 am
Forum: Investing - Theory, News & General
Topic: General Electric booted from Dow Jones Industrial Average
Replies: 52
Views: 6510

Re: General Electric booted from Dow Jones Industrial Average

Does it make sense to buy WBA. What is the history when stock gets added to DOW.
by IngognitoUSA
Sun Jun 17, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Do you cancel old credit cards?
Replies: 55
Views: 5827

Re: Do you cancel old credit cards?

I close them all the time. Simply because I use them extensively online and expect numbers to be compromised. Also, some of the bonus reset every 2 years since the last statement of the card, so closing helps reset the clock. My fico has always been above 800.
by IngognitoUSA
Thu Jun 14, 2018 10:41 am
Forum: Forum Issues and Administration
Topic: Making it easier to track posts from the OP
Replies: 29
Views: 3040

Re: Suggestions for the Wiki

In any thread, can the original poster be highlighted in all replies. Makes it easier to know who op is.
by IngognitoUSA
Sat Jun 02, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 433
Views: 54119

Re: How much money do you want to retire?

At some point it is no longer about the money. Some of us enjoy playing the game, sort of real life monopoly. After decades of aggressive accumulation, how does one just turn off the switch and take on retirement full time.
by IngognitoUSA
Tue May 22, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 30
Views: 3713

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

Any claim for tow, gas, battery jump or tire change shows up on CLUE report as a insurance claim if you use geico.
by IngognitoUSA
Thu May 10, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Recommendation For Shirts
Replies: 36
Views: 2816

Re: Recommendation For Shirts

Ctshirt, by far the best in fit, colors, style and look over the years. They do not look worn out even after a few years. They have details that are neat on cuffs, collars and buttons that are only obvious to someone paying attention to details. And as I get older, I don’t want logos on my shirt, un...
by IngognitoUSA
Sun May 06, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Real estate agents - claim thousands of ready buyers??
Replies: 19
Views: 1819

Re: Real estate agents - claim thousands of ready buyers??

We know one family (2 children) bought a small 2 BR side by side (very small) for $375,000. That's crazy, depending on the area. I know there are outliers, but for much of the country that would be unattainable. My wife and I are degreed middle class full timers and would be unable to afford that s...
by IngognitoUSA
Thu May 03, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Need advice on $5M property sale
Replies: 39
Views: 4315

Re: Need advice on $5M property sale

If I were you, I would sell half and see if the area takes off even more. This is assuming it can be sold in parcels.
by IngognitoUSA
Sat Apr 28, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 11488

Re: Wedding - financial burden on couple and attendees

wrongfunds wrote:
Sat Apr 28, 2018 6:45 am
It's usually the case that the gifts will cover the cost of the reception. Similar goes for funerals there.
WHAT? That is shocking and sad at the same time.
Korean and Filipino weddings are a cash gift affair as well.
by IngognitoUSA
Fri Apr 27, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 11488

Re: Wedding - financial burden on couple and attendees

Since this is a finance forum, it would be interesting to know how much cash gift is lost due to a destination wedding, both from reduced number of attendees and less cash given due to money spend out of pocket by attending guests. It is gauche to even expect any presents at destination wedding. I ...
by IngognitoUSA
Fri Apr 27, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 11488

Re: Wedding - financial burden on couple and attendees

Since this is a finance forum, it would be interesting to know how much cash gift is lost due to a destination wedding, both from reduced number of attendees and less cash given due to money spend out of pocket by attending guests.
by IngognitoUSA
Tue Apr 24, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Kitchen Faucet & Sink recommendations?
Replies: 55
Views: 5820

Re: Kitchen Faucet & Sink recommendations?

Moen Arbor Motionsense Two-Sensor Touchless One-Handle High Arc Pulldown Kitchen Faucet Featuring Reflex, Spot Resist Stainless (7594ESRS)

Once you use touch less you will not go back.
by IngognitoUSA
Fri Mar 23, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Coffee maker recommendations
Replies: 41
Views: 3193

Re: Coffee maker recommendations

I agree. The future can not get here fast enough. I just want to say ‘Alexa start my day’. It should include starting coffee, turn on WiFi plugs where it can start TVs, change thermostat settings etc and a lot more.
by IngognitoUSA
Sun Mar 18, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to convert s-corp to llc?
Replies: 9
Views: 1039

Re: Does it make sense to convert s-corp to llc?

Depends on your field. Some companies only do contracts with Corporations and not LLC.
by IngognitoUSA
Sun Mar 04, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: AmEx Delta Gold is now Honoring Bonus
Replies: 87
Views: 9237

Re: AmEx Delta Gold Not Honoring Bonus

They have been in cost saving phase for a few years. Eventually management will move back to customer growth and start handing out sign on bonus. I think they recoup their sign on bonus cost with the fees from minimum spend.
by IngognitoUSA
Sat Mar 03, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: AmEx Delta Gold is now Honoring Bonus
Replies: 87
Views: 9237

Re: AmEx Delta Gold Not Honoring Bonus

Treating customers this way is guaranteed to cost more in customer acquisition in the future.
by IngognitoUSA
Mon Feb 05, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Too much Cash on side & equities out of whack: advice needed
Replies: 5
Views: 774

Re: Too much Cash on side & equities out of whack: advice needed

One tax scenario to run is contributing to NYS 529. It is deductible up to $10k for NYS income. Really depends on how much NY and NJ income you have.
by IngognitoUSA
Fri Feb 02, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: How to see the 1099s the IRS received
Replies: 3
Views: 688

Re: How to see the 1099s the IRS received

Do they allow review of 1099 for businesses?
by IngognitoUSA
Wed Jan 31, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Best place to park cash
Replies: 32
Views: 3575

Re: Best place to park cash

Purepoint is 1.6
Gs Bank is 1.5
by IngognitoUSA
Tue Jan 30, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: American saving rate
Replies: 28
Views: 5369

Re: American saving rate

Does the savings rate take into consideration that a lot of income is not reported, the underground economy is about $1 Trillion. I imagine the consumption portion is closer to actual.
by IngognitoUSA
Fri Jan 26, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 14034

Re: Starting to feel like the late 1990s?

Shiller called Housing in Bubble in 2003. Shiller called Stock market bubble July 2015. Shiller is supposed to be source of 'Irrational exuberance' by Greenspan in 1996. Listening to armchair economists can be injurous to your wealth. Is it different this time, who knows, but we have not had such lo...
by IngognitoUSA
Wed Jan 24, 2018 5:34 pm
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 80
Views: 15726

Re: I-Bonds?

I purchased bonds for self and spouse for many years. I believe joint ownership but not sure. How can I tell is the same bond is appearing in my login and her login, or are they separate bonds purchased on same day, which I usually do.
by IngognitoUSA
Fri Dec 29, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning for green card parents who are citizens of India
Replies: 29
Views: 2557

Re: Estate planning for green card parents who are citizens of India

Green card holders do not have the same level of Estate tax exemption as US citizens.

How are they planning to move assets from
India to here?
by IngognitoUSA
Mon Dec 25, 2017 8:28 am
Forum: Investing - Theory, News & General
Topic: Implications of tax bill on residential real estate (house prices)
Replies: 62
Views: 6635

Re: Implications of tax bill on residential real estate (house prices)

I would think vacation homes will be impacted the most. If I understand correctly, primary residence plus vacation home mortgage combined is limited to $750k and no deductions for HELOC.
by IngognitoUSA
Sun Dec 17, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 9018

Re: New job offer - background check

Don’t give notice on current job until background check is finished without issues.
by IngognitoUSA
Wed Dec 06, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 25253

Re: Do people still use AAA?

AAA needs better marketing.

If you have coverage from your Insurance, all towing, tire change, running out of gas, locked keys, battery jump count as Insurance Claims on your CLUE report. AAA services do not count on CLUE report, if more people knew this, AAA will have a surge in membership.
by IngognitoUSA
Wed Nov 29, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: Fido broken?
Replies: 20
Views: 1429

Re: Fido broken?

They are having issues. You can place orders over phone and they will waive fees.

Welcome to the world of IT outsourcing. The senior executives made their money and left a mess.
by IngognitoUSA
Tue Nov 28, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: Safest roomy luxury suv?
Replies: 58
Views: 6462

Re: Safest roomy luxury suv?

Had a Xc90, ml 350, qx60. Cost of Ownership is high on all 3. Xc90 had too many issues after 5 years. Ml 350 drive like a car and fun to drive, I did not feel safe with that vehicle, too light. Qx60 is the newest I own with a lot of bells and whistles and a lot of neat safety features. By far, I fee...
by IngognitoUSA
Sun Nov 26, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Let Go by MegaCorp - Lots of options
Replies: 40
Views: 4077

Re: Let Go by MegaCorp - Lots of options

Option #4. They bring you back as consultant, seen it happen all the time.
by IngognitoUSA
Fri Nov 24, 2017 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Advice for New Grad (HCOL, comp better than expected)
Replies: 9
Views: 1204

Re: Personal Finance Advice for New Grad (HCOL, comp better than expected)

The most important thing to keep in mind is finding the right spouse. It can either make or break your life, financially and emotionally.
by IngognitoUSA
Fri Nov 17, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Forgot to file form 5500EZ for 2016 year
Replies: 21
Views: 1966

Re: Forgot to file form 5500EZ for 2016 year

In a similar situation few years back. Wrote RCL and included penalty check and wrote in letter to waive the fees and return check. No dice, check was cashed and that was it.
by IngognitoUSA
Sun Nov 12, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a job with regular working hours after a long break?
Replies: 7
Views: 1256

Re: How to get a job with regular working hours after a long break?

You should do support roles, you get called on when something goes wrong, but not much new coding, just maintenace coding.
by IngognitoUSA
Sun Nov 05, 2017 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Can someone here help me estimate taxes?
Replies: 13
Views: 1394

Re: Can someone here help me estimate taxes?

I like paycheckcity to calculate estimate taxes.
by IngognitoUSA
Sun Oct 01, 2017 11:58 am
Forum: Investing - Theory, News & General
Topic: $10 million+ - Still Working and LBYM
Replies: 162
Views: 19948

Re: $10 million+ - Still Working and LBYM

What kind of business, does it support a lot of jobs. I presume you can sell it and the buyer will keep all the employees, however I cringe when business changes hands and people who helped along the way are replaced.
by IngognitoUSA
Mon Sep 18, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 23127

Re: Is it really Worth it to brown bag your lunch at work?

Brown bagging early in career is a 'Career Limiting Move'. Brown bagging late in career is probably worse until you are on the early retirement list. Completely and utterly incorrect. Advancing your Career requires schmoozing, not easily done when you pull out a brown bag. A brown bag conveys 'dome...
by IngognitoUSA
Sat Sep 16, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 23127

Re: Is it really Worth it to brown bag your lunch at work?

Brown bagging early in career is a 'Career Limiting Move'.
Brown bagging late in career is probably worse until you are on the early retirement list.
by IngognitoUSA
Tue Sep 12, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance when not in flood plain?
Replies: 39
Views: 4428

Re: Flood Insurance when not in flood plain?

Maybe if people posted Flood Insurance Premiums and State they live in, it would be very helpful.
by IngognitoUSA
Thu Aug 24, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: "Bargain" house in HCOL area
Replies: 34
Views: 4319

Re: "Bargain" house in HCOL area

Interesting they had open house after 10 years vacancy. Sometimes there are bargains to be had, don't walk away without doing your homework.
by IngognitoUSA
Sat Aug 19, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Florida vs New Jersey Residency
Replies: 17
Views: 2865

Re: Florida vs New Jersey Residency

If the NJ estate tax repeal sticks after the next election, NJ would be a reasonable place for northeasterners to establish residency. Selecting NJ over most of the other northeast states for taxes is like picking a kick in the groin over a punch in the face. Only NH is not horrible. Nonetheless, I...