Search found 81 matches

by scottgekko
Thu Apr 02, 2020 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: COVID-19 Stimulus Payment Issue
Replies: 86
Views: 7813

Re: COVID-19 Stimulus Payment Issue

In the immortal words of Sturgill Simpson: Life ain't fair and the world is mean.
by scottgekko
Thu Feb 06, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: High Net Worth Individual with Little Income Seeks Mortgage
Replies: 32
Views: 4740

Re: High Net Worth Individual with Little Income Seeks Mortgage

After the 2008 crash, proving the ability to repay is required on most traditional mortgages. This is calculated using the monthly payment. If you don't have sufficient provable monthly income to support paying the monthly payment, then you're going to run into problems. Bottom line - the bank can't...
by scottgekko
Tue Feb 04, 2020 6:37 pm
Forum: Personal Consumer Issues
Topic: NYC w/ 10 month old and no stroller or car seat. Doable?
Replies: 39
Views: 2387

Re: NYC w/ 10 month old and no stroller or car seat. Doable?

Purchase a Cosco travel car seat. (Not Costco). It's very light and easy to carry. If you are not purchasing a separate seat, then most airlines let you check the car seat for free. Then take a car into the city. I would seriously consider bringing the stroller. Consider nap time while you're walkin...
by scottgekko
Wed Dec 04, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: On Boots: Chukka, Chelsea and brands
Replies: 14
Views: 1838

Re: On Boots: Chukka, Chelsea and brands

I bought a pair of Clark's chukka boots at DSW for $60. They are a great style and seem to be durable. I wear them 3-5 times a week to work at an office and they still look new....although admittedly I'm not very hard on shoes....
by scottgekko
Sat Nov 30, 2019 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: termination with out severance from a mega-corp
Replies: 51
Views: 8968

Re: termination with out severance from a mega-corp

I have a couple questions:

1. Was the leave approved by the company and is there a formal leave request procedure? (non FMLA)
2. What was the reason for termination?

If the leave was approved, then you were terminated through no fault of your own, I'm not sure why severance wasn't offered.
by scottgekko
Fri Oct 18, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: selling house, should we put in sod to replace ugly lawn?
Replies: 45
Views: 4112

Re: selling house, should we put in sod to replace ugly lawn?

Make sure your daughter knows how to care for the lawn (it seems she may not). I recommend to do it, but it could be a waste of $2k if it gets the same attention that the current lawn has gotten.
by scottgekko
Wed Oct 16, 2019 7:55 pm
Forum: Personal Consumer Issues
Topic: Invited to join HOA board. Pros/cons?
Replies: 58
Views: 5180

Re: Invited to join HOA board. Pros/cons?

If you want to see how crazy your neighbors are join nextdoor.com. People argue over the most inane stuff. It gets pitiful after a while. That being said, I would recommend to join the board. I served on the HOA in our old neighborhood of 700+ homes that included a clubhouse, golf course, tennis, po...
by scottgekko
Wed Oct 16, 2019 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Company being acquired - severance strategy?
Replies: 23
Views: 2400

Re: Company being acquired - severance strategy?

+1 on hanging in there. You don't like the company now, but everything is about to change. I would be excited about coming changes, especially since you know your position is safe. Things will change and it could definitely be for the better - especially since you feel it couldn't get much worse.
by scottgekko
Mon Oct 14, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: How much do you spend on dry cleaning?
Replies: 27
Views: 1704

Re: How much do you spend on dry cleaning?

I spend probably about $15-20 every 2 weeks. I get my button down shirts laundered and pressed. I don't 'dress up' for work, but do wear button downs with jeans and nicer shoes. There is nothing at home that can get me close to how crisp a professionally pressed shirt looks.
by scottgekko
Thu Oct 10, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Husband/Wife at Same Mega-Corp -- Individual or Joint Health Insurance?
Replies: 15
Views: 1722

Re: Husband/Wife at Same Mega-Corp -- Individual or Joint Health Insurance?

I would go with the separate plans strictly because the OOP max is less person although the total OOP is more than the joint policy. But the odds that you would both hit the OOP max on each policy in any given year is fairly low. I'm assuming that neither of you having ongoing health issues.
by scottgekko
Thu Sep 19, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 12163

Re: How do you spend money to gain time? (young family)

Here is an earlier thread: https://www.bogleheads.org/forum/viewtopic.php?t=213662 and there are many more. I have tons of time because I don't worry what other people think about my clothes, my car, my yard, my house, my kids. I didn't even have to spend any money on not worrying. Example: Toddler...
by scottgekko
Fri Aug 30, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: Looking to buy a Patagonia jacket. Which are your favorites?
Replies: 27
Views: 3136

Re: Looking to buy a Patagonia jacket. Which are your favorites?

I have the nano puff - it's very light weight but incredibly warm. A long sleeve shirt under it and you're good. Made it through a pretty rough Reno winter last year and it's very comfortable.
by scottgekko
Fri Aug 16, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Niece divorce - house questions
Replies: 44
Views: 4008

Re: Niece divorce - house questions

I can't offer advice on the divorce front, but the current mortgage lender will more than likely not let her assume the mortgage. (Move it to her name only). Most mortgage agreements do not allow assumptions and even if it does, your niece will have to qualify as if she were to obtain the mortgage o...
by scottgekko
Mon Jul 29, 2019 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Tax consequences from $$ realized from property surrendered in bankruptcy
Replies: 9
Views: 1079

Re: Tax consequences from $$ realized from property surrendered in bankruptcy

The guy had a free house (excluding tax and HOA fees). If only he'd kept up the taxes, he would've profited handsomely. I don't have any advice regarding the taxability of funds received from the sale of a property that was surrendered in BK, but then sold by the county for more than they were owed,...
by scottgekko
Wed Jul 24, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Getting New House Fever... Advice?
Replies: 26
Views: 2118

Re: Getting New House Fever... Advice?

4 words to live by:
Happy wife, happy life
by scottgekko
Tue Jul 23, 2019 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you move to?
Replies: 130
Views: 10563

Re: Where would you move to?

We just relocated from Dallas, TX to Reno, NV so I can tell you experiences from both no income tax states. Dallas is huge, job market is great, RE is cheap compared to Reno. However, it can take an hour to drive across town. Also, a pool is a must during the summer. You don't go outside unless you'...
by scottgekko
Fri Jul 12, 2019 7:56 pm
Forum: Personal Consumer Issues
Topic: Company not addressing my dad's health condition
Replies: 29
Views: 3202

Re: Company not addressing my dad's health condition

He may not trust HR, but he needs to put in his request in writing so it is on record. However, if his job requirement now includes hours that he can no longer work, there may not be much he can do about it....Especially if this is a requirement for the whole team.
by scottgekko
Fri Jul 12, 2019 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: East/North Dallas cities
Replies: 10
Views: 1007

Re: East/North Dallas cities

I am interviewing for a position in Garland later this month and plan on looking around the area while I am there. For those how moved their families to north Dallas, how did you decided on what city to live in? There are just so many good options, I don't even know where to start. What are you loo...
by scottgekko
Fri Jul 12, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: Job Promotion - How to Show on Resume
Replies: 40
Views: 4092

Re: Job Promotion - How to Show on Resume

I would rather job hunt as a current CFO than an assistant controller. Wait until you obtain the title in November, then start your search in the new year.
by scottgekko
Fri Jul 12, 2019 11:48 am
Forum: Personal Finance (Not Investing)
Topic: East/North Dallas cities
Replies: 10
Views: 1007

Re: East/North Dallas cities

I am interviewing for a position in Garland later this month and plan on looking around the area while I am there. For those how moved their families to north Dallas, how did you decided on what city to live in? There are just so many good options, I don't even know where to start. What are you loo...
by scottgekko
Thu Jul 11, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 7241

Re: Automatic Watches

I have a Rolex Submariner and as a certified chronometer, it keeps great time to within <2 seconds a day. You don't buy an automatic watch for the most accurate time - your iphone will do that for you. If you're looking for a great reasonably priced watch (<$350), look at a Seiko SRP777 or 779. Othe...
by scottgekko
Tue Jul 02, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: HCOL vs LCOL Dilemma
Replies: 96
Views: 5674

Re: HCOL vs LCOL Dilemma

For me a major part of this decision would include how far will I be from family. I think you should take a quick trip to Dallas before you decide. As far as weather, it is not hot in Dallas for 9 months. Well I guess that depends on what you consider as hot. Dallas average highs are at or below 80...
by scottgekko
Wed Jun 12, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: How best to give broker payment to get apartment and win a race
Replies: 14
Views: 1472

Re: How best to give broker payment to get apartment and win a race

+1 on the money orders. You can easily get 5, $1k money orders. Then the Payable To: can be filled out as needed with whichever broker. For this particular scenario, this would probably be the best bet.
by scottgekko
Wed Jun 05, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 5396

Re: Company requiring salaried employees to clock in?

I would assume they're wanting to see who is arriving late and/or leaving early. I wouldn't want to have to clock in/out necessarily but I've definitely had to badge in/out of the building I worked in. Not the same as a timecard, but I"m sure they could use that data against me if needed. I'm sure t...
by scottgekko
Tue Jun 04, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: PolicyGenius
Replies: 7
Views: 942

Re: PolicyGenius

I recently obtained a personal disability policy using PolicyGenius. It was a good experience. They provided numerous carrier options, I selected one and they 'guided' me through the process. Pretty easy.
by scottgekko
Tue May 07, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Walk away from my auto lease?
Replies: 154
Views: 8815

Re: Walk away from my auto lease?

There is no way a transmission goes out at 5k miles and doesn't get repaired unless there is an obvious reason for them to not repair it (you're on YouTube at a drag strip and roast the tranny). The fact that you're not disclosing the make and model (some models are notorious for various defects), t...
by scottgekko
Fri May 03, 2019 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Move to South Florida or Baltimore?
Replies: 29
Views: 3212

Re: Move to South Florida or Baltimore?

Just for the ability to wear flip flops year round alone, south Florida would be my vote.
by scottgekko
Wed May 01, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Personal LTD vs group LTD insurance
Replies: 2
Views: 218

Personal LTD vs group LTD insurance

Hi all - I started appx 8 months ago with a fintech startup and at the time, they did not offer a group LTD plan. I obtained my own personal policy through Principal and it's around $1680/yr ($140/mo). But of course, it covers me if I cannot do my actual job, not any job. My company recently began o...
by scottgekko
Wed May 01, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Job Options
Replies: 23
Views: 2649

Re: Job Options

Take the new job. You're young, Houston is a great town, and if there's ever a time to move for a career it's now. You don't want to stay in a boring job for another 20-30 years....Plus you're getting a 6% raise automatically (no state income tax) plus increasing your comp by $24k and your spouse wi...
by scottgekko
Thu Apr 25, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 19129

Re: Whats the Point of Climbing the Corporate Ladder?

There is no way I could stop striving to advance and ride it out for 20 years. I've found that the more I move up, the more flexible the position is. You're not 'on the clock' and as long as you're getting the job done, no one bothers you. But I enjoy the challenge of the job. I also enjoy my time o...
by scottgekko
Fri Apr 19, 2019 11:23 am
Forum: Personal Finance (Not Investing)
Topic: RSUs and ESPP after 2-Week Notice
Replies: 21
Views: 1869

Re: RSUs and ESPP after 2-Week Notice

Give your 2 weeks notice 2 weeks prior to your start date which would be May 6. RSU's vested the week before; no issue.

Or is there a reason you want to give 3 weeks notice?
by scottgekko
Thu Apr 18, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: leaving state job / pension. ..... bad idea?
Replies: 44
Views: 4012

Re: leaving state job / pension. ..... bad idea?

The difference in $150k a year and your current $112k doesn't make up for $4400/mo pension in 12 years & certainly not $8000+ in 15 years. I would hang on - you're making 6 figures, 7 weeks PTO, 40 hours a week, have the opportunity to work OT. Your 59 year old self will thank you when you have $800...
by scottgekko
Wed Apr 17, 2019 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: How to find an engineer to inspect a dam wall
Replies: 27
Views: 2044

Re: How to find an engineer to inspect a dam wall

The dam phone book? Sorry, couldn't resist....
by scottgekko
Tue Apr 09, 2019 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 195
Views: 21698

Re: Wife hates new job...wants to quit after 1 day

I would look at it this way: She has no job duties and plenty of time on her hands. In other words, she's getting paid six figures to do interviews at other companies. No way I would leave until they told me to..... This. If someone wanted to pay me $100,000/year to check my e-mail, I'm riding that...
by scottgekko
Tue Apr 09, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 195
Views: 21698

Re: Wife hates new job...wants to quit after 1 day

I would look at it this way: She has no job duties and plenty of time on her hands. In other words, she's getting paid six figures to do interviews at other companies. No way I would leave until they told me to.....
by scottgekko
Mon Apr 08, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 140
Views: 10331

Re: fun car advice

Buy an older (pre 1970) vehicle. All mechanical (no computers) and appreciation in value is much more solid than a 10 year old Honda. For $50k you could easily find a late 60's restored convertible Vette.
by scottgekko
Sat Apr 06, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 8903

Re: Huge AIrBNB Cancellation Charge

OP here. Thanks to all replies. Some good information. Just to clarify, although some listings do indeed show the Long Term Cancellation policy on the listing, this Host did NOT show that. In fact. under the policies section of the listing was only the "strict" 48 hour cancellation terms. We have a...
by scottgekko
Fri Apr 05, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: Things to do in Dallas when rainy
Replies: 11
Views: 823

Re: Things to do in Dallas when rainy

The 6th Floor Museum is excellent and if you've ever watched anything on the Kennedy assassination, the museum is in the School Book Depository building in Dealy Plaza. The whole plaza is still eerily the same as it was in 1963. Also +1 for Top Golf. It's a good time and you can eat and drink while ...
by scottgekko
Mon Apr 01, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 88
Views: 10978

Re: Men's no iron dress shirt recommendations

Regardless of whether a shirt is 'non-iron' or not, you can always tell a professionally pressed shirt vs a home iron job. Just come off the hip for the dry cleaners. 5 shirt a week is less than $20.
by scottgekko
Mon Apr 01, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: Family flying - picking seats at booking
Replies: 75
Views: 5607

Re: Family flying - picking seats at booking

I wouldn't pay the early bird special for Southwest because, depending on your kids' ages, families with younger kids (6 and under) board right after the 'A' boarding group. This eliminates the need to pay the early bird fee. If your kids are older than 6, then early bird may be worth it. Or just se...
by scottgekko
Fri Mar 29, 2019 6:20 pm
Forum: Personal Consumer Issues
Topic: Best car seat for air travel
Replies: 30
Views: 1804

Re: Best car seat for air travel

+1 for the Cosco (Not Costco) brand. Your wallet, arms, and back will thank you.
by scottgekko
Fri Mar 22, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Is Staying in the Same Home for a Long Time Good for Wealth Building?
Replies: 18
Views: 1927

Re: Is Staying in the Same Home for a Long Time Good for Wealth Building?

It depends - in a vacuum, yes it makes sense because you lock in your transaction and inflation costs. However, there are outside opportunity costs that may offset that. Perhaps you turned down better job or promotion opportunities because you didn't want to move so your income stagnates for 15-20 y...
by scottgekko
Tue Mar 12, 2019 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Job burnout - Keep grinding or change?
Replies: 65
Views: 8603

Re: Job burnout - Keep grinding or change?

I'm in my mid-30's and have felt that nagging need for change as well. I've moved twice for my career. Once from Atlanta to Dallas and again most recently from Dallas to Reno so big changes. I've found a position that I'm incredibly happy with, but it easily could have gone the other way. However, I...
by scottgekko
Fri Mar 01, 2019 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Company Travel Question
Replies: 34
Views: 1692

Re: Company Travel Question

I've never heard of that - it's usually bad enough that you have to front all the costs and wait on reimbursement which could run over credit card cycles, etc. There's no way I'd travel for the company and pay my own way. 3 nights in an NYC hotel could easily run $1000 and they want her to pay that?
by scottgekko
Wed Jan 30, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating DayCare Fees
Replies: 70
Views: 4136

Re: Negotiating DayCare Fees

For $2500 a month, you could hire a nanny for a year or 2, then when baby1 is in 'regular' school, baby 2 can attend a day care. Does a nanny teach them math, science, sign language, mandarin, cook organic GMO free food for them, manners and etiquette, how to share/play with others, they even do pu...
by scottgekko
Thu Jan 24, 2019 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating DayCare Fees
Replies: 70
Views: 4136

Re: Negotiating DayCare Fees

For $2500 a month, you could hire a nanny for a year or 2, then when baby1 is in 'regular' school, baby 2 can attend a day care.
by scottgekko
Wed Jan 16, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 50k car? If so, whats the best way to do it?
Replies: 48
Views: 2507

Re: Can I afford a 50k car? If so, whats the best way to do it?

If you're going to buy a 'fun' car buy the classic. A '67 Chevelle will at least retain value if not appreciate so you won't 'lose' money like you would buying or leasing a brand new toy. My main concern though is you mention living in an apartment. Will you be able to keep the car in covered or gar...
by scottgekko
Tue Jan 08, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating with relocation company--real estate transactions?
Replies: 2
Views: 223

Re: Relocating with relocation company--real estate transactions?

I'm not sure why or what the benefit is to the relo company, but we went through the same type of deal with a relocation we did from Atlanta to Dallas appx 5 years ago. In a nutshell, there is no 'real life' difference. The house is still listed through a realtor, there are still showings, offers, n...
by scottgekko
Fri Dec 28, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2769

Re: Why do people buy- performance cars?

If you have to ask, don't buy one. But seriously - some people like performance cars or classic cars. Some people collect stamps. Some people will spend $100 at the golf course every weekend, others will travel to Europe for 2 weeks. It's all about what you enjoy. Everyone has their 'vice' so to spe...