Search found 94 matches

by stockrex
Thu Sep 24, 2020 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit Hated Job And Take 80% Pay Cut?
Replies: 62
Views: 8349

Re: Should I Quit Hated Job And Take 80% Pay Cut?

Think of it like a working vac bro, I have worked for #1 in the world in Kansas City and hated it and was treated like sheeesh, pay was sheesh too. So if you are getting the mulas, work on making it fun, take up fishing, go on trips, max out 401k and savings, come back to state side with a job in ha...
by stockrex
Thu Sep 10, 2020 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: What % of income to spend on car?
Replies: 122
Views: 8774

Re: What % of income to spend on car?

Many year back when I was a poor college student I wanted a new car someday. Fast forward few years after I started working, I was making around 100k/year. I wanted a beater to run A to Z. I was at the Toyota dealership in town, the fine saleperson first asked: 1. What I was driving and leaned his h...
by stockrex
Thu Aug 27, 2020 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One credit card limit reduced
Replies: 38
Views: 3002

Re: Capital One credit card limit reduced

happened to me too,
chase marriott card, I pay 100$ fee yearly and they reduced my $40k limit to 10k as I did use it enough, no sheesh, due to COVID my chunky behind has not traveled much.


Question is will it affect my credit rating in any way?
by stockrex
Thu Aug 27, 2020 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Keeping assets separate in marriage
Replies: 40
Views: 3270

Re: Keeping assets separate in marriage

She might asks for everything, Your friend needs to say no, House owned by friend BEFORE wedding, without prenup, judge may give her HALF of the appreciation of value SINCE marriage. of if the house was $1m when they got married, now they split and it is worthj $2m, judge may award her half of the a...
by stockrex
Mon Aug 24, 2020 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity card fraud
Replies: 36
Views: 4109

Re: Fidelity card fraud

4. Online store with weak protection was hacked probably and card used to order Chipotle pick up order I have to laugh at this one. They go to all the trouble of either running the hack or, more likely, buying the credit card number on the black market, and then all they do is order Chipotle. Credi...
by stockrex
Fri Aug 21, 2020 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity card fraud
Replies: 36
Views: 4109

Re: Fidelity card fraud

I travel a bit for work and pleasure, I found that 2 credit cards a year gets compromised. Here is how they got mine: 1. Gas station reader in howell, mi 2. Ontario, CA airport parking attendant copied mine (watch her swipe again under the table) 3. YMCA, someone took a pic of card when I had droppe...
by stockrex
Thu Aug 20, 2020 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity card fraud
Replies: 36
Views: 4109

Re: Fidelity card fraud

get a new laptop, I bought a sub $300 laptop from costco that I solely use for bills, etc.I have a few $200 laptops for the kids to use and not have to worry about viruses.
by stockrex
Mon Aug 17, 2020 3:09 pm
Forum: Personal Consumer Issues
Topic: Apple Info Request Escalation
Replies: 0
Views: 514

Apple Info Request Escalation

Background:
Sent Subpoena to APPLE with an order of preservation

Apple took their sweet time to produce data per subpoena but produced only a few days of data.

How do I escalate this with apple? Any idea what their structure is to bump this up to a supervisor or manager?
by stockrex
Mon Aug 03, 2020 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Online Forum - what insurance?
Replies: 2
Views: 298

Re: Online Forum - what insurance?

I mod a major fishing forum, ads, no revenue, we will donate our time.

I am planning to start a few online forum.

Sorry for the dup thread, my mouse left click is a bit sticky...
by stockrex
Mon Aug 03, 2020 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Online Forum - what insurance?
Replies: 2
Views: 298

Online Forum - what insurance?

Anybody out there run an online forum this one?
What kind of liability insurance or CYA do I need to consider?
by stockrex
Wed Jun 03, 2020 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Credit hurt due to CC fraud—how long to recover?
Replies: 6
Views: 635

Re: Credit hurt due to CC fraud—how long to recover?

If it was fraud, ask give written notice to CC reporting agencies to remove said item, fraud should never hurt your credit rating.

Do this promptly pls.
by stockrex
Mon Mar 09, 2020 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: What USPS “Snail Mail” Option Do You Recommend for Tax Return?
Replies: 57
Views: 3179

Re: What USPS “Snail Mail” Option Do You Recommend for Tax Return?

The feds keep a picture of the envelope stamp which has the date.

I buy a machine stamp or insist the lady at the counter stamp it with the date in front of me, DONE :-)
by stockrex
Mon Mar 02, 2020 4:05 pm
Forum: Personal Consumer Issues
Topic: Need a cheaper cell phone plan
Replies: 79
Views: 7045

Re: Need a cheaper cell phone plan

FYI: I found that ATT and Verizon have the best coverage if you need it, I travel a fair bit and go way outside major cities to fish or hike and I NEED the coverage, so opted for ATT MVNO, Bought my phones at sams club with verizon with new line, then went to a verizon store and paid off the phone n...
by stockrex
Mon Mar 02, 2020 11:33 am
Forum: Personal Consumer Issues
Topic: Need a cheaper cell phone plan
Replies: 79
Views: 7045

Re: Need a cheaper cell phone plan

I have not read all the responses, but I went through this myself, Red Pocket ATT MVNO has frequent sales and you can get 15GB plan for 2x a month, gotta buy 1 years worth. that brings it to $125/month at most. I have 3 phone, 1 red pocket , 22$/month 2 tmobile - $35/month each I will move these ove...
by stockrex
Wed Feb 19, 2020 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Prenup - Worth It?
Replies: 237
Views: 10652

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: 237
Views: 10652

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 vis...
by stockrex
Tue Feb 18, 2020 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Prenup - Worth It?
Replies: 237
Views: 10652

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 ...
by stockrex
Sun Feb 09, 2020 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: ameriprise -> CONNECT for home insurance
Replies: 8
Views: 740

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: 1710

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: 3795

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: 3795

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: 597

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: 1159

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: 1159

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: 483

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: 1343

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: 198

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: 5331

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: 211

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: 2826

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: 2691

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: 338

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: 7735

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: 4434

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: 4434

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: 2826

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: 4969

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: 8817

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 amp...
by stockrex
Tue Nov 19, 2019 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Charge - refund
Replies: 30
Views: 2826

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: 2826

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: 2826

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: 2826

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: 2826

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: 367

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: 2826

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: 2826

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: 2826

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: 2826

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: 2152

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?