Search found 80 matches

by stockrex
Wed Feb 19, 2020 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Prenup - Worth It?
Replies: 228
Views: 7603

Re: Prenup - Worth It?

If Op is in a partnership or part of business, then the other partners might require him to get a prenup. Prenup is something that should NOT bother his love as it ONLY comes into play if she ever leaves him. If she has NO intent of leaving him, why is it even an issue? Op, consider the outcome that...
by stockrex
Tue Feb 18, 2020 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Prenup - Worth It?
Replies: 228
Views: 7603

Re: Prenup - Worth It?

Here is an old Asian adage: How do you know you have an honest spouse without any ill intent? You get her a fake diamond ring for the engagement and wait for the day your spouse gets it appraised and confronts you. Op, I were in your shoes, I would "wait", have her come over on fiancee visa a few ti...
by stockrex
Tue Feb 18, 2020 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Prenup - Worth It?
Replies: 228
Views: 7603

Re: Prenup - Worth It?

Prenups is needed here, as OP has no clue as to "fiancee's" intentions or honesty. As you see prenups are open to interpretation and other junk. One should not blindly depend on a prenup. You hear too many horror stories. Maybe others can chime in for other options op has like putting the pre-marita...
by stockrex
Sun Feb 09, 2020 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: ameriprise -> CONNECT for home insurance
Replies: 8
Views: 435

Re: ameriprise -> CONNECT for home insurance

I have them in MI for HOME and Auto.
Home, if a scam in my books
VERY f'ing expensive, I never look at my statement and they bumped me up to mucho mulas, I am about to switch, never had a claim.
by stockrex
Tue Feb 04, 2020 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: US Citizen Moving to Europe for High-Income Job
Replies: 10
Views: 1590

Re: US Citizen Moving to Europe for High-Income Job

1. Sell house in us
2. figure out healthcare in foreign loc, if needed fly back here for treatment and maintain us healthcoverage.
3. Figure out stuff you want to do and just do it. Heck get a Nordhavn and live off a boat!
by stockrex
Wed Jan 22, 2020 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: FANG - Salary expectation for Sr Engineer
Replies: 17
Views: 3608

Re: FANG - Salary expectation for Sr Engineer

The position title is Sr Architect (hardware engineering)
Level 5 where level 7 is CTO and level 6 is director.
by stockrex
Wed Jan 22, 2020 11:48 am
Forum: Personal Finance (Not Investing)
Topic: FANG - Salary expectation for Sr Engineer
Replies: 17
Views: 3608

FANG - Salary expectation for Sr Engineer

My brother is looking at jobs in Seattle and in CA (San Ramon, Sunnyvale) area. These are mostly Sr Engineer, Research positions (he has 20 yrs of experience ) He is looking at Sr, Lead positions, right now he is leading a team of engineering in cutting edge automation/cross device communication (15...
by stockrex
Sun Jan 12, 2020 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: I need an ACH credit to my checking account, what would count as one?
Replies: 7
Views: 542

Re: I need an ACH credit to my checking account, what would count as one?

I do $1 ACH from my ameritrade a/c, post tax regular trading account, it does NOT cost me anything in ameritrade.
by stockrex
Sun Jan 12, 2020 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: legalplans - worth it, share your experience
Replies: 9
Views: 1031

Re: legalplans - worth it, share your experience

So I get to pick form their list of attorneys

How about cost, is there any out of pocket costs? or just the monthly premium covers everything?
by stockrex
Sat Jan 11, 2020 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: legalplans - worth it, share your experience
Replies: 9
Views: 1031

legalplans - worth it, share your experience

I found that some employers in the area offer a legalplan benefit that one can opt for about $16/month.

https://www.legalplans.com/wp-content/u ... -FINAL.pdf

gimmick? do you get a fresh graduate atty who not very experienced? what gives?
by stockrex
Thu Jan 02, 2020 10:11 am
Forum: Personal Finance (Not Investing)
Topic: paying quarterly tax late
Replies: 5
Views: 455

Re: paying quarterly tax late

go to the city tax website, they should have a form you use to pay it or even pay it online,

Yes, make sure you write on the check 2019-q4 or whatever they want you to.
by stockrex
Thu Dec 12, 2019 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Opening a HELOC. Wise or not?
Replies: 19
Views: 1285

Re: Opening a HELOC. Wise or not?

HELOC's shows up as a revolving credit account from what I saw on my credit report,

So if I use 100% of my HELOC, will it hurt my credit score? This is something you need to look into.
by stockrex
Wed Dec 11, 2019 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 - Business Vehicle convert to personal use
Replies: 0
Views: 142

1099 - Business Vehicle convert to personal use

I have 11 year old truck that I took out a section 179 deduction for 11 years ago.

Most years I use it for 70% business

I want to convert it to personal use and take it off my books.

What is the best way to go about this? Will I get hit with additional tax liability?
by stockrex
Sun Dec 08, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Gave all personal info to phone scammer
Replies: 31
Views: 5155

Re: Gave all personal info to phone scammer

When CC #s they will ONLY ask you if you shopped at xyz for $xx.xx Op, 1. Immediately go to transunion website and put a FREE credit freeze as you are victim of id theft likely. 2. Close the back accounts and put fraud alert on them. 3. Move $$ to new account 4. Is you Drive lic # same as social? if...
by stockrex
Sun Dec 08, 2019 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Refi'd House - Ecrow refund - MIA
Replies: 1
Views: 190

Refi'd House - Ecrow refund - MIA

Refi'd my house with a local bank. I had my previous mortgage with Rushmore Fin. It has been 20 days, the loan has been paid off. I even got a pay off confirmation from Rushmore many weeks back. But dude, where is my escrow refund? Rushmore has about $4k in escrow. What should be a reasonable time f...
by stockrex
Sun Dec 08, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Charge - refund
Replies: 30
Views: 2724

Re: Credit Card Charge - refund

The saga ended. Amex refunded the money they charged me again the same day, did not even wait for vendor to get back to them. From what I can read it was a charge back (??). I called and spoke to an agent just to be sure. Phew, done, I put a block on the vendor for any future charges. Lesson learned...
by stockrex
Tue Dec 03, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Blended Family Estate Advice
Replies: 37
Views: 2557

Re: Blended Family Estate Advice

My Dad had five kids, his second wife had four. They combined all of their assets when they got married. Their wills were structured so that all of the assets passed to the surviving spouse, and then whatever was left of the assets was divided into nine equal shares on the death of the surviving sp...
by stockrex
Thu Nov 28, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: Norton Security software and Apple
Replies: 3
Views: 316

Re: Norton Security software and Apple

Norton products get uninstalled first when I buy a new PC/Mac. The best procedure is to have 2 laptops/pcs, One for taxes, bills, sensitive stuff and other for everything else. You never have to worry about viruses, Once you buy your new device and set it up all the software, do a complete backup on...
by stockrex
Tue Nov 26, 2019 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: We have a prenup, now buying a house.
Replies: 117
Views: 7479

Re: We have a prenup, now buying a house.

Someone who has been divorced and having experienced my hard earned premarital $$ end up with her was painful. Buy the house but loan the entire amount, DO NOT co-mingle. 1. Take out a note for 80 and another for 20, I did this for my 1st house. 20 will be higher interest rate but work out a faster ...
by stockrex
Tue Nov 26, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Severance Negotiation - what is reasonable
Replies: 59
Views: 4272

Re: Severance Negotiation - what is reasonable

Here is the update: I appreciate all the input. My buddy was called into a meeting room and he was shocked with the news of layoff and they pressured him to sign a termination agreement on the spot. The strong arm tactics employed by his previous employers do not pass the smell test. I think the 20 ...
by stockrex
Mon Nov 25, 2019 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Severance Negotiation - what is reasonable
Replies: 59
Views: 4272

Severance Negotiation - what is reasonable

Background - 20 years as parts manage at local RV place. 20 years and 3 days, gentleman was laid off saying the company is going a different direction. Company has not come back with a severance package yet. What is a reasonable severance package? Would it a be good idea to hire an atty to negotiate...
by stockrex
Mon Nov 25, 2019 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Charge - refund
Replies: 30
Views: 2724

Re: Credit Card Charge - refund

Good points, finding a good local atty has been a journey, being a small town, everyone is bit too tight with each other and exercise unconscious bias. I have 2 local alienation experts narrowed down, one seems to just yield to atty's demands, so now I have to research the other. Amex issued a charg...
by stockrex
Thu Nov 21, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Car negotiation question
Replies: 52
Views: 4602

Re: Car negotiation question

This is how I do it:

Invoice price
- any rebates
- any incentives
- any trade in

I give the hold back to the dealer as they have to survive too.
Doc fee - if this is flipping big # then take some off the hold back.
by stockrex
Wed Nov 20, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: At What Point Did You Realize You Made It?
Replies: 48
Views: 8396

Re: At What Point Did You Realize You Made It?

Enjoy life, stay healthy, invest in yourself and DON"T worry about money. Don't get into debt with high interest rate. Set aside $$$ and if you not married, ensure you protect your assets in case of divorce, don't co-mingle. You will "make it", you are already there. You have time ample to build you...
by stockrex
Tue Nov 19, 2019 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Charge - refund
Replies: 30
Views: 2724

Re: Credit Card Charge - refund

not out of line, it was not for professional coaching for me, but more so for court for a custody case. The firm might be good in what they do, but their practices speak volumes for the $$$ journey they were going to take me along for. Coaching for a court case involving child custody??? Boy, that ...
by stockrex
Thu Nov 14, 2019 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Charge - refund
Replies: 30
Views: 2724

Re: Credit Card Charge - refund

not out of line,
it was not for professional coaching for me, but more so for court for a custody case. The firm might be good in what they do, but their practices speak volumes for the $$$ journey they were going to take me along for.
by stockrex
Thu Nov 14, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Charge - refund
Replies: 30
Views: 2724

Re: Credit Card Charge - refund

Yes, agree, after I read there contract, it was obvious that they were a bait and switch outfit.
They came recommended by a highly regarded pro, I am glad out paths will not cross in future.
by stockrex
Thu Nov 14, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Charge - refund
Replies: 30
Views: 2724

Re: Credit Card Charge - refund

You have 60 days to dispute, so need to be in too much hurry to go that route. If I'm not mistaken, timing becomes a little different when you're dealing with services. E.g. You buy $50 widget at Abc.com, they never ship it... they run away.... you have 60 days. You pre-pay a 1 year gym membership ...
by stockrex
Thu Nov 14, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Charge - refund
Replies: 30
Views: 2724

Re: Credit Card Charge - refund

I thought the saga would end here,
Well, I was wrong.

The business refunded my money on 11/9
on 11/8 they charged me the same amount again,
I just got off the phone with amex, I put a block on them for any future charges.

Shady would be an understatement.
by stockrex
Mon Nov 11, 2019 8:47 am
Forum: Personal Finance (Not Investing)
Topic: ATT wireless unable to port lines
Replies: 2
Views: 349

ATT wireless unable to port lines

I was at Sams to switch to ATT wireless, 1 hour hold on the phone and finally the lady came back and said no dice, I have outstanding balance with ATT so they are unable to port, I was like what the phone. Anyway, they gave me Transunions phone # to call and figure it out. I called transunion few mi...
by stockrex
Mon Nov 11, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Charge - refund
Replies: 30
Views: 2724

Re: Credit Card Charge - refund

Thursday I disputed the charge with amex, spoke to rep on phone to explain that it was a prepayment and no good/services have been exchanged.
Sunday morning, I was refunded the $$$ with a sob story that the owner was out of town, hence the delay.
Lesson learned, never again.

Thanks!
by stockrex
Fri Nov 08, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Charge - refund
Replies: 30
Views: 2724

Re: Credit Card Charge - refund

Done, I did an online dispute then called Amex to make sure I did it correctly.

Yes, I sent the vendor an email asking for the status of the refund. I did ask 2x already for the refund in emails.

Yes, lesson learned, never paying anything without a full review of contract first.
by stockrex
Thu Nov 07, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Charge - refund
Replies: 30
Views: 2724

Re: Credit Card Charge - refund

I will go ahead and dispute it.

which category do I pick?

1. Good and service not received
2. Good and services returned/cancelled

I never availed their services or signed the contract or started any work with them. This was an advanced payment.
by stockrex
Wed Nov 06, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Charge - refund
Replies: 30
Views: 2724

Credit Card Charge - refund

Greetings, I paid prepaid $6250 to a Professional Coaching firm. I asked for the contract for review and then if I was going with them I was going to sign and pay the remaining $6250. After reviewing the contract it was evident, it was bait and switch, I told them I was not avail their services and ...
by stockrex
Thu Oct 31, 2019 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Refinance $120k student loans before or after marriage?
Replies: 32
Views: 2043

Re: Refinance $120k student loans before or after marriage?

sd323232 wrote:
Wed Oct 30, 2019 4:53 pm
i dont think you need to do anything. With 450K income, you can pay it off, or keep paying minimum. In long run, you will do great either way.
This, who is pushing for the student loan to be paid off?
by stockrex
Wed Oct 30, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance $120k student loans before or after marriage?
Replies: 32
Views: 2043

Re: Refinance $120k student loans before or after marriage?

This is from who has gone through divorce, so take it with a salty grain of salt.

Home - apply yourself, but buy it before getting married.

Her loan - refi before getting married if you would like, do not co-mingle. Just resist the urge to pay it off for her.
by stockrex
Sat Oct 12, 2019 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Bookkeeping side hustle for wife: thoughts?
Replies: 21
Views: 2625

Re: Bookkeeping side hustle for wife: thoughts?

How about booking keeping with concierge service. You take care of the stuff and make sure everything is paid for busy $$$$ people? I think this is a good service if people are willing to pay a fair rate. If she goes this route, she should be bonded and insured against claims. I would also have the...
by stockrex
Sun Oct 06, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Bookkeeping side hustle for wife: thoughts?
Replies: 21
Views: 2625

Re: Bookkeeping side hustle for wife: thoughts?

How about booking keeping with concierge service.

You take care of the stuff and make sure everything is paid for busy $$$$ people?
by stockrex
Mon Sep 30, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Background search for nanny
Replies: 6
Views: 425

Re: Background search for nanny

Company charges way more, hence I was trying to find some myself.
by stockrex
Mon Sep 30, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Background search for nanny
Replies: 6
Views: 425

Re: Background search for nanny

I am her son, she is 70 I just need someone to stay with her during the day and help her with little stuff like lifting a whole gallon of milk, take the trash out etc. I usually pay the market rate. I will swing by the police department and ask for a background search, i think it is $25. Are there a...
by stockrex
Mon Sep 30, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Background search for nanny
Replies: 6
Views: 425

Background search for nanny

Good Afternoon, My mother has some mobility issues and I have to travel for work or be out sometimes, I want to hire someone on a part time basis to help out grandma. Problem is during school year I am not able to hire the high school kids I know in the neighborhood. How do I go about doing a backgr...
by stockrex
Fri Jul 19, 2019 3:55 pm
Forum: Personal Consumer Issues
Topic: Glacier National Park
Replies: 19
Views: 2494

Re: Glacier National Park

I was there nearly 20 years back. Just drove through, the one thing I will mention is that if you are afraid of heights, please drive from North entrance to South, so you are on the inside lane of the Sun Road (if my memory is still good). I still wake up with cold sweats from that driving experienc...
by stockrex
Thu Jul 18, 2019 10:22 am
Forum: Non-US Investing
Topic: Canadian in Detroit - Maximize deduction
Replies: 4
Views: 463

Re: Canadian in Detroit - Maximize deduction

Danke!

I will pass on it on to him,
not sure if he is going post, he is very reluctant to post on online forums.
by stockrex
Wed Jul 17, 2019 8:42 am
Forum: Non-US Investing
Topic: Canadian in Detroit - Maximize deduction
Replies: 4
Views: 463

Canadian in Detroit - Maximize deduction

Greetings, Here the profile of a co-worker who I am helping with maximizing his deductions and lowering his overall tax burden. Male 48 Single, divorced, 1 son in Canada Canadian Citizen Working in Detroit on TN $150k/year - W2 US - Max 401k For now he is contributing max to 401 here in US. What els...
by stockrex
Sat Jul 06, 2019 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Which CC to buy International Plane Ticket?
Replies: 5
Views: 769

Re: Which CC to buy International Plane Ticket?

https://creditcards.chase.com/marriott/cardmember/premier_benefits/travel_benefits https://www.americanexpress.com/us/credit-cards/features-benefits/policies/index.html Costco Visa - skipped it for now. Marriott Chase Visa has trip delay, which is good to have. Amex Bus Simply Cash has Travel Accide...
by stockrex
Sat Jul 06, 2019 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Which CC to buy International Plane Ticket?
Replies: 5
Views: 769

Re: Which CC to buy International Plane Ticket?

Yes it will be like $1500
nah, no time, I need to buy the ticket this weekend.

I am just looking for best trip insurance or other benefits like lost luggage etc.
by stockrex
Sat Jul 06, 2019 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Which CC to buy International Plane Ticket?
Replies: 5
Views: 769

Which CC to buy International Plane Ticket?

I thought I would bounce this off you guys.

I have
Amex Business, Marriott Visa and Costco Visa.

Which one I should use to buy a place ticket Chicago to Singapore via Qatar Airlines, United.

I am not that versed in the benefits each card but what key benefit should I be looking for?

Thanks,
by stockrex
Mon Jun 10, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: FTE position - health benefits start in 60 days
Replies: 8
Views: 476

Re: FTE position - health benefits start in 60 days

Make sense, they have a pre-employment physician and vision test also and employment is conditional on these tests. :confused I buy my own health coverage now through blue cross, so I should keep it till I am sure I have coverage start date confirmed. At my last job 20 plus years back I had benefits...
by stockrex
Mon Jun 10, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: FTE position - health benefits start in 60 days
Replies: 8
Views: 476

FTE position - health benefits start in 60 days

I was looking over a local full time salaried job benefits, the health/dental benefits start 60/90 days after start date.

Is this the norm now? What is the rational behind a delayed start date for health benefits?