Search found 102 matches

by Faisal
Sun Jan 19, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: Credit Karma says someone added me as an authorized user on their card
Replies: 25
Views: 1711

Re: Credit Karma says someone added me as an authorized user on their card

okay update - handed over to the mrs as i can't do shit from here in Africa.

Equifax has the account and she is disputing it via their online platform. Lets see what happens.
by Faisal
Sun Jan 19, 2020 2:28 pm
Forum: Personal Consumer Issues
Topic: Credit Karma says someone added me as an authorized user on their card
Replies: 25
Views: 1711

Re: Credit Karma says someone added me as an authorized user on their card

Called Barclay - they said they see nothing. They recommend call equifax.
by Faisal
Sun Jan 19, 2020 1:49 pm
Forum: Personal Consumer Issues
Topic: Credit Karma says someone added me as an authorized user on their card
Replies: 25
Views: 1711

Re: Credit Karma says someone added me as an authorized user on their card

A new account was added to your credit report. Update A new address was added to your credit report. Update You were listed as an authorized user on a new account. Hi - Name Removed- Does the info above look right? If not, there are steps you can take to make it right. Log in now to see the full de...
by Faisal
Sun Jan 19, 2020 8:14 am
Forum: Personal Consumer Issues
Topic: Credit Karma says someone added me as an authorized user on their card
Replies: 25
Views: 1711

Re: Credit Karma says someone added me as an authorized user on their card

No prior relationship at all. Got nothing in Barclays or Delaware. Opened no new accounts in a few years now.

I do have a credit karma account and use it every now and then. Nothing else is linked with it.
by Faisal
Sun Jan 19, 2020 7:47 am
Forum: Personal Consumer Issues
Topic: Credit Karma says someone added me as an authorized user on their card
Replies: 25
Views: 1711

Re: Credit Karma says someone added me as an authorized user on their card

It showed up in my equifax credit report. What can I do to fix this problem? This is what i got According to your Equifax credit report, someone added you as an authorized user of their account with BARCLAYS BANK DELAWARE.1 Accounts that you're an authorized user on can affect your credit score jus...
by Faisal
Sun Jan 19, 2020 1:05 am
Forum: Personal Consumer Issues
Topic: Credit Karma says someone added me as an authorized user on their card
Replies: 25
Views: 1711

Re: Credit Karma says someone added me as an authorized user on their card

It showed up in my equifax credit report. What can I do to fix this problem? This is what i got According to your Equifax credit report, someone added you as an authorized user of their account with BARCLAYS BANK DELAWARE.1 Accounts that you're an authorized user on can affect your credit score just...
by Faisal
Sat Jan 18, 2020 11:52 pm
Forum: Personal Consumer Issues
Topic: Credit Karma says someone added me as an authorized user on their card
Replies: 25
Views: 1711

Credit Karma says someone added me as an authorized user on their card

And I know its not my wife and my family.

So what should I do? Is this an issue of concern?
by Faisal
Thu Jan 09, 2020 3:46 am
Forum: Personal Finance (Not Investing)
Topic: What Are Your 2020 Goals?
Replies: 56
Views: 4831

Re: What Are Your 2020 Goals?

Personal 1. Lose Weight - I have gained 40 pounds since I got married and we had 2 kids. 2. Get in better physical shape so I can actually run around with my kids for the next 20 to 40 years. 3. Be a better husband and father Financial 1. Save more money 2. Pay off a larger portion of our mortgage 3...
by Faisal
Wed Jan 08, 2020 7:42 am
Forum: Personal Consumer Issues
Topic: Florida for winter break
Replies: 39
Views: 4030

Re: Florida for winter break

Just wanted to say thank you to everybody who provided advice and locations. We ended up doing Cocoa Beach and Disney for a week and the kids and mrs loved it.

Thanks again!
by Faisal
Wed Jan 08, 2020 7:40 am
Forum: Personal Consumer Issues
Topic: Paying Mother-in-Law for babysitting/Nanny - Social Security related question
Replies: 11
Views: 777

Paying Mother-in-Law for babysitting/Nanny - Social Security related question

We have two boys now and my Mother in Law has been a great help with the boys and we want to pay her for helping us out. The kids adore their grandmother and she does a lot including making sure my wife is not stressed about many things. However I wanted to look at all options of helping out my MIL ...
by Faisal
Sun Dec 15, 2019 7:26 am
Forum: Personal Consumer Issues
Topic: Cable/internet/tv
Replies: 13
Views: 1976

Re: Cable/internet/tv

Live the same area. Look at optimum - it tends to be cheaper but not that great on service.

Though you may wish to look at a combination of a decent internet connection mixed in with Hulu, Netflix, Disney and the Antenna. It will be much cheaper than 200 bucks.
by Faisal
Sun Dec 01, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Florida for winter break
Replies: 39
Views: 4030

Re: Florida for winter break

For those recommending St Pete's - do you have any hotels you have stayed at that you would recommend to a family of 4 with a three year old and a six month old? Thanks. Right now looking at the Sirata and the Beachcomber as they seem to be family friendly and right on the beach. Sirata more than t...
by Faisal
Sun Dec 01, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: Florida for winter break
Replies: 39
Views: 4030

Re: Florida for winter break

For those recommending St Pete's - do you have any hotels you have stayed at that you would recommend to a family of 4 with a three year old and a six month old? Thanks. Right now looking at the Sirata and the Beachcomber as they seem to be family friendly and right on the beach. Sirata more than th...
by Faisal
Sat Nov 30, 2019 4:08 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5044
Views: 1295478

Re: What Movie Have You Recently Watched?

The Irishman on Netflix. Truly enjoyed a movie after a long time. Remined me of the Goodfellas in a some ways. Shame Ray Liota wasn't in it. But I would highly recommend it.
by Faisal
Sat Nov 30, 2019 4:06 am
Forum: Personal Consumer Issues
Topic: Florida for winter break
Replies: 39
Views: 4030

Re: Florida for winter break

Thanks for all the responses guys. Cocoa Beach looks great for us and the two boys and the distance is ideal. As always this website delivers in more ways than one.

Thanks again.
by Faisal
Thu Nov 28, 2019 4:51 am
Forum: Personal Consumer Issues
Topic: Florida for winter break
Replies: 39
Views: 4030

Re: Florida for winter break

Thank you very much!
by Faisal
Thu Nov 28, 2019 12:49 am
Forum: Personal Consumer Issues
Topic: Florida for winter break
Replies: 39
Views: 4030

Florida for winter break

So I was wondering if anybody knew of a decent place in florida to visit that is near the beach and maybe a 2 hour ride from Orlando. Looking to go somewhere warm for the winter break but the youngest doesn't have a passport yet. So we were thinking of Florida as it is a 2 to 3 hour flight. Any reco...
by Faisal
Thu Nov 14, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Tour company for Egypt
Replies: 2
Views: 266

Tour company for Egypt

Hey guys I am thinking to fly down the family to Egypt for a tour of Cairo, Ashwan and Luxor for the December/January period. Has anybody used a tour company they would recommend?
by Faisal
Tue Nov 05, 2019 4:22 am
Forum: Personal Consumer Issues
Topic: VPNs
Replies: 32
Views: 3511

Re: VPNs

Thanks for all the info guys. I went with Tunnel Bear as it is stable easy to use and was cheap. Got it on a discount or 60 bucks for a year. So that is like 5 dollars a month. Works for me.
by Faisal
Tue Oct 29, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: VPNs
Replies: 32
Views: 3511

Re: VPNs

Thanks Nord it is. Plus they got a 70% discount going on now. Will use that to my advantage!
by Faisal
Tue Oct 29, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: VPNs
Replies: 32
Views: 3511

Re: VPNs

I have heard of NordVPN and Tunnel Bear so thought I would ask here first before shelling out cash.
by Faisal
Tue Oct 29, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: VPNs
Replies: 32
Views: 3511

VPNs

Does anybody use VPNs here? If you do, which vpn would you recommend?
by Faisal
Tue Oct 29, 2019 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Property tax went up how does it affect my mortgage
Replies: 12
Views: 979

Re: Property tax went up how does it affect my mortgage

And this is why I love Bogleheads. Thank you all very very much. To answer the questions. 1. Yes it is held in an Escrow account and they have been paying our taxes on time for us. 2. We have not received a letter yet from the bank but I saw on line on Facebook and next-door that taxes have gone up...
by Faisal
Tue Oct 29, 2019 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Property tax went up how does it affect my mortgage
Replies: 12
Views: 979

Re: Property tax went up how does it affect my mortgage

And this is why I love Bogleheads. Thank you all very very much. To answer the questions. 1. Yes it is held in an Escrow account and they have been paying our taxes on time for us. 2. We have not received a letter yet from the bank but I saw on line on Facebook and next-door that taxes have gone up ...
by Faisal
Tue Oct 29, 2019 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Property tax went up how does it affect my mortgage
Replies: 12
Views: 979

Property tax went up how does it affect my mortgage

Okay I bet this is a dumb question but first time home owner in the US. Completely unfamiliar with how taxes etc work. So our over all taxes went up this year. By 1610 US dollars. An extremely large increase because I have been told we are new home owners and just bought the place and the home reass...
by Faisal
Sun Oct 27, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: How much does a "good school district" matter?
Replies: 76
Views: 7077

Re: How much does a "good school district" matter?

School district ratings matter. Education matters. I am from a developing country where my grandfather's focus on my father's education led him to be a senior level job which allowed me brilliant education opportunities globally. I now live in the US earn more than a fair income and have the ability...
by Faisal
Fri Sep 13, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve - a lot of travel in East Africa
Replies: 8
Views: 1287

Re: Chase Sapphire Reserve - a lot of travel in East Africa

Thanks for all the comments. I am not so much worried about being in Addis or Nairobi or even Khartoum. I have worked in a few hot spots. It was more for the travel insurance. Anything can happen and i have noticed more consistently we here about plane crashes then we did before. I have life insuran...
by Faisal
Thu Sep 12, 2019 9:12 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve - a lot of travel in East Africa
Replies: 8
Views: 1287

Chase Sapphire Reserve - a lot of travel in East Africa

So I am going to East Africa for a year. Looking at contigency plans in case I croak in a kidnapping, terrorist attack and general all round mess that goes with my work. A friend who works in Afghanistan recommend i get the CSR for its travel accident policy of 1 million dollars. I will be travellin...
by Faisal
Thu Jul 18, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Chromebook
Replies: 18
Views: 1528

Chromebook

Has anybody bought a chromebook and enjoyed using it? I will be travelling internationally to a hardship location with limited internet and I rather not bring my first love an i7 alienware laptop just incase it gets damaged. Thus the choice of a chromebook mainly for work, watching movies and basica...
by Faisal
Wed Mar 13, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: Travelers Home Insurance
Replies: 7
Views: 487

Re: Travelers Home Insurance

Thanks. If anybody else has some views that would be great!
by Faisal
Wed Mar 13, 2019 10:47 am
Forum: Personal Consumer Issues
Topic: Travelers Home Insurance
Replies: 7
Views: 487

Travelers Home Insurance

Does anybody have any experience with Traverlers home insurance policy? Are they a good company easy to work with and generally have comprehensive coverage? Thanks.
by Faisal
Sat Mar 02, 2019 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Is the Bonvoy Boundless card worth the $95 annual fee?
Replies: 20
Views: 1871

Marriott Bonvoy Credit Card

Thinking of getting either the Chase version with its 95 dollar yearly fee and then perks. Has anybody applied for this card? Any input would be appreciated.
by Faisal
Sun Feb 10, 2019 8:21 am
Forum: Non-US Investing
Topic: Any US-based Pakistanis investing in DHA?
Replies: 20
Views: 2061

Re: Any US-based Pakistanis investing in DHA?

Two quick questions. Are you Pakistani or an ABCD/BBCD etc.

Secondly is it an investment or are you going to live there?

Oh yes who do you know in Pakistan you can trust?
by Faisal
Mon Dec 31, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards strategy focused on Travel
Replies: 15
Views: 1003

Re: Credit Card Rewards strategy focused on Travel

Thanks for all the advice. We average 45k to 55k on the credit card with our Sapphire and an additional 5k to 10k on my Freedom. With regard to the Hyatt that is not an option as the hotels are limited or non existent in the countries i travel to or work in. The sheraton brand is more common in afri...
by Faisal
Mon Dec 31, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards strategy focused on Travel
Replies: 15
Views: 1003

Credit Card Rewards strategy focused on Travel

What we have now: 1. SPG/Marriott Membership - Aim for Elite status of some sort 2. Travel primarily with Emirates (internationally) and Jet Blue (in the US). Sometimes we use United with Chase rewards points if the flight is cheaper than jet blue. All the Accounts are linked. Family account set up ...
by Faisal
Mon Oct 22, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?
Replies: 34
Views: 2640

Re: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?

Thank you all for your opinions and advise. She is working in the field of science and researcj so no real phyiscal activity beyond standard experiments. We were reading through the benefits and it says anybody is eligible for maternity leave after they have completed 30 days of full time or part t...
by Faisal
Mon Oct 22, 2018 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?
Replies: 34
Views: 2640

Re: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?

Thank you all for your opinions and advise. She is working in the field of science and researcj so no real phyiscal activity beyond standard experiments. We were reading through the benefits and it says anybody is eligible for maternity leave after they have completed 30 days of full time or part ti...
by Faisal
Mon Oct 22, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?
Replies: 34
Views: 2640

Re: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?

She is starting as soon as she can but needs to complete work at her current job.

In our state its an additional 6 due to state regulations.
by Faisal
Mon Oct 22, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?
Replies: 34
Views: 2640

Re: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?

My wife would take full maternity leave which is 12 weeks and then return to work full time. She did that with our 2 year old.

They didnt ask about her pregnancy but it will show in a few weeks.
by Faisal
Mon Oct 22, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?
Replies: 34
Views: 2640

Need Advise: Offer from new job shoulf my wife tell them she is pregnant?

So my wife got a job offer from a large mutli-national coporation. She wants the job and it will be both be a quality of life improvement - 10 min drive from our home meaning more time with our son and a financial benefit. However we learned very recently that she is pregnant. Now we are not sure if...
by Faisal
Tue Oct 02, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: New Homeowners - Paint first or fix hard wood floors first?
Replies: 15
Views: 1370

Re: New Homeowners - Paint first or fix hard wood floors first?

Thank you all. Much appreciated. I guess after sanding and painting maybe hire a good maid service to clean up the home?
by Faisal
Mon Oct 01, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: New Homeowners - Paint first or fix hard wood floors first?
Replies: 15
Views: 1370

Re: New Homeowners - Paint first or fix hard wood floors first?

Perfect thanks guys! Floors it is with a lot of drop cloths!

And neither are bad really. They just need to be "finished" so that we won't need to do it again for a 5 plus years.
by Faisal
Mon Oct 01, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: New Homeowners - Paint first or fix hard wood floors first?
Replies: 15
Views: 1370

New Homeowners - Paint first or fix hard wood floors first?

As the title says. We just bought a home and are looking to fix up some of the stuff to our liking. Now we going to paint all the rooms and fix the hardwood floors.

The question is what do we start off with first? Floors or painting?
by Faisal
Mon Aug 06, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: Relaxing - quieting the mind
Replies: 47
Views: 3451

Relaxing - quieting the mind

This may not belong here, so please feel free to close it or something along those lines. I work in a rather stressful time intensive job and as a parent of a young kid, myself and the mrs are always "on call" 24/7 and the more i get focused on various aspects of the world, work, socializing, home, ...
by Faisal
Tue Jul 24, 2018 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase property tax question- need advice asap
Replies: 4
Views: 746

Re: Home Purchase property tax question- need advice asap

New York and Westchester County. The town we are looking at just moved to a 100% value tax system so from my limited understanding (first time home buyer) they will reassess the home at time of sale for taxes.
by Faisal
Tue Jul 24, 2018 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase property tax question- need advice asap
Replies: 4
Views: 746

Home Purchase property tax question- need advice asap

We are looking to purchase a home and have been going over stuff with lawyers etc. The home has 3 bathrooms, 1 was added later and based on what I can tell of the documents provided by the lawyer, there is no certificate of occupancy for the 3rd bathroom. In that case, I am assuming the town doesn't...
by Faisal
Fri Jun 29, 2018 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Inspection on home we wish to purchase - questions i should ask
Replies: 23
Views: 1662

Re: Inspection on home we wish to purchase - questions i should ask

Thank you all for your advice and inputs. It is greatly appreciated. The home inspection is on Monday so lets see how it goes.

The oil tank is a concern for us and if it doesn't pass the tightness test and the soil sample test then we won't be moving ahead with the sale.
by Faisal
Thu Jun 28, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Inspection on home we wish to purchase - questions i should ask
Replies: 23
Views: 1662

Re: Inspection on home we wish to purchase - questions i should ask

Thanks Sandtrap. The need for the general contractor is to look for defects or in case we wish to make changes? Also again very new to all of this so your patience is appreciated - what would the general contractor look at differently than the inspector?
by Faisal
Thu Jun 28, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Inspection on home we wish to purchase - questions i should ask
Replies: 23
Views: 1662

Re: Inspection on home we wish to purchase - questions i should ask

Thank you guys for your prompt response. I will definitely be there for the inspection in person with a paper and pen to make notes for the home. So thank you for that advice. @mhc I am not a DIY kinda guy so i know very little about home etc. Coming from a developing country to the US things are ve...
by Faisal
Thu Jun 28, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Inspection on home we wish to purchase - questions i should ask
Replies: 23
Views: 1662

Inspection on home we wish to purchase - questions i should ask

To all those who have provided advice earlier thank you as your advice and information has been invaluable. We are currently looking at a home where we are at the inspection stage. This is our first home and I want to make sure I don't miss anything which would be a liability for my wife and kid. Th...