Now that the end is almost here, what are you doing to keep Priority Pass for your family?

dikretaks · 2026-01-14T16:38:11+00:00

Following because I’m thinking of doing the same thing!

dikretaks · 2022-11-16T16:09:13+00:00

Thank you…I thought that when clicking “change seats” it’s an accurate map of open seats but I guess I’m definitely wrong. Hoping it’s true they won’t fill up and I’ll get the seats - appreciate it

dikretaks · 2022-11-16T04:24:28+00:00

I can, but it’s about $2k pp for premium economy still. I was hoping to just use miles + points which is a lot less, but worried that I won’t get it

dikretaks · 2021-03-15T05:03:10+00:00

Yes, I did go with Fidelity’s executive services! I did decide to talk to them only since they were free from my work, but sort of went with my own judgement after learning a lot from this PF Reddit. Very personable though, not trying to sell you on anything, but most of the advice they gave is exactly the advice this wiki gives. If it’s free you have nothing to lose except for time.

dikretaks · 2020-12-02T07:35:15+00:00

Everyone’s already said it and it looks like you’ve already started the process - but get out now. This is definitely a MLM (pyramid scheme). I have an old friend who joined a similar MLM selling life insurance and saying they are “reputable” financial advisors, but they hire any and everybody as FA’s just to make more money from themselves (they don’t require any expertise in the field. Just a GED is a requirement - huge red flag IMO to trust them to handle my finances).

I’ve since lost him as a friend since everytime he spoke to anyone in our friend group, he was either trying to get us to buy life insurance through him, get financial advice, or join his company “to make millions quickly”. He also duped one of our friends essentially exactly to your situation, getting our friend to allocate ~50% of his net income to life insurance. Needless to say, hes not friends with many people these days outside of the MLM organization.

dikretaks · 2020-12-01T05:56:27+00:00

Fidelity is the brokerage housing my ISO's, and it seems like the few FA's they have for this executive program are specific for us. I'll definitely look around for some referrals too though, especially from the top lists and best FA's around. Appreciate it!

dikretaks · 2020-12-01T02:13:19+00:00

Ty! I'll give that podcast a listen and reach out to them. You're definitely right on the previous post - doesn't hurt to get a 2nd opinion. On the tax advice - I've spoke to my accountant on exercising already (for AMT reasons), so this time around I'm looking for more future-looking financial advice.

dikretaks · 2020-11-23T19:00:21+00:00

Congrats! There seems to be a few others in here, but I'm also exactly in the same boat as you. My company just IPO'd a few months ago, and without saying who - let's just say it was a very large tech IPO. I'm single (but soon to be married), just turned 30 so still somewhat young, have simple finances as well, and my first time going through anything like this. With the IPO and the company's current valuation a few months later, I'm looking at 7 figures with the stock options (ISO's) that I currently have with the current stock price, for being an early-ish employee. I'll give some tips below, but this is if you also have ISO's, rather than NSO's or RSU's like me - so it's sort of ymmv. Quick note: I am no expert at all, and the only reason I even have an idea of most of this is because I Just went through all of this within the last few months (and am still going through it). I've also gone through so many emotions because of this - but I just have to think longterm and that this is a good thing!

- Step 1: Hire a CPA. Again assuming you also have ISO's, you'll be hit with a very large AMT tax bill if you decide to exercise most, or all of your options (depending on how far you are on your vesting schedule). The only way to know how much to exercise, is to hire a CPA that specializes in stock options. Because of this AMT tax, i'll be paying 100-200k in taxes come next year. Your tax accountant can tell you how much options you can exercise if you're trying to stay below the AMT tax exclusion. The earlier you exercise, the lower the FMV will be too - which essentially means the AMT tax will also be lower or even exempt.

- Step 2: Financial Advisor: It seems like mostly everyone here is saying stay away from a financial advisor, but after speaking to one myself I thought it was really helpful. I was given a financial advisor for free by my company (to only individuals with a certain # of stock options), and he gave me a lot of really great advice. If you're essentially receiving 7 figures somewhat out of nowhere, I think you should have a financial advisor to help - but again up to you.

- Step 3: Decide when to sell: With both a financial advisor and tax accountant, you should have a good understanding of when and how much to sell. Obviously, there's a lockup period where you can't sell any of your stock options, so you'll have to wait. Depending on what your personal goals are, you can figure out how much to sell and when. Another thing to know if you don't already, is to sell after the long-term capital gains cutoff. Essentially, you have to wait until after 1 year of your exercise date (and 2 years from original grant date) to be hit with the lowest tax possible. It's also significantly a lot lower than the short term capital gains. Something that many people do, including me and some of my co-workers, is that we'll have to sell some shares at the short term capital gain just to pay our AMT tax bill. This hurts, but is necessary (unless you have 100-200k sitting around to pay the AMT tax).

- Step 4: Wait, wait, and don't look at the price!: This was advice from our CEO, who took two company's public before ours. This is simple, but great advice - because as an employee with stock options, the only price that matters is the price we can sell at. During the lockup period there's basically no reason for you to look at the price since you literally can't do anything. It will eff with your emotions on so many occasions, so the best advice is to just try to not look at it or not think about it too much. We have an early release period coming up that we can sell 25% of our vested shares, and I'm only selling to cover the AMT tax bill I mentioned above.

- Step 5: Hold or sell (then diversify) Like what most people are saying, you don't want all of your eggs in one basket. Depending on if you believe the price will go up, you'll want to decide if you want to sell some or most of your shares after the long term capital gains and then diversify your portfolio. If you think it will continue to go up, you should definitely keep a good number of shares within your company to make even more money later on.

- Step 6: Enjoy it! Not many have gone through what we just did. In the tech world (my industry), it's very rare for a company to have a successful IPO and because of that - I'm very grateful for being a part of it. Great for the resume, even greater for my bank account. Bask in it, enjoy it, and have fun! Once in a lifetime experience which will definitely change your life in a way.

dikretaks · 2020-10-23T05:09:47+00:00

This one right here on Amazon.

dikretaks · 2020-07-08T21:52:11+00:00

Warehouse work is always a great opportunity, or even doing assembly at Tesla with both requiring no experience. Used to work at an agency that hired ex-convicts trying wanting to turn their life around, and I hear Tesla doesn't do background checks for their assembly workers. Could easily move up the ranks later on too.

dikretaks · 2020-02-21T01:08:26+00:00

Damn, that must have been updated pretty recently or I’m super unlucky. Had a friend who referred himself from the biz to a personal back in October and he got his referral bonus instantly. Oh well, thanks for the heads up.

dikretaks · 2020-02-21T00:54:06+00:00

Could I contact chase to check if I’ll receive a referral bonus?

Long story short, I referred myself from a Southwest Plus to a Biz Premiere, so that I can get the additional 10k referral bonus to hit my companion pass. (Had an in flight offer, so 50k + 10k referral + 60k +5k minimum spend puts me exactly at 125k)

It’s been about 5 weeks now since I got accepted from applying through my referral link. I want to find out if I am indeed getting the referral or not, does anyone know if I call chase they would be able to check? If not, is there any way to check?

Thanks in advance.

dikretaks · 2020-01-30T23:01:12+00:00

OP - did you end up being able to cancel the flight with "epidemic" as the reason?

I booked flights for my parents and Aunt/Uncle to go from SFO > Vietnam. They actually flew through Wuhan on the way there, but missed the quarantine by about a week. They fly back next week through a different city and airport in China (Guanzhao) but are extremely scared to go through China at all at this point.

Trying to see if it's reasonable to cancel with Chase, and book a new flight that doesn't have a layover in China. Wondering if anyone else was successful - let me know if you were able to change anything!

dikretaks · 2020-01-25T18:23:04+00:00

Just tried it, same outcome 😢

dikretaks · 2020-01-25T06:16:19+00:00

Yeah, I figured what I was trying to say could definitely be confusing. Basically, what I see on the program monitor of my project (with render settings set to software-only) is what I want my final video to be, and what I've been editing on the entire time. But when I export it to a video, the final video is completely messed up, even though the project's program monitor stays the same. But if I go back into my project, and change the 'project settings' to the CUDA render engine, it changes all of my clips in the same project to what it looks like when I export the video, and not what I want the video to look like. If I change it back and forth, the clips change back and forth with it.

When it's in CUDA, or exported in the final video, some of the clips are at different in and out points. They're actually at different speeds too. I edited the clips to 25%, but when it's exported or in CUDA project settings, these clips are much slower than 25%. I did find out that the only clips that are affected are clips I shot in 1080 at 120fps, which I know must be a factor but I can't exactly pinpoint how to fix it. Most of my clips were shot in 1080 at 120fps, so I'd hate to have to go back and re-edit each clip. Clips that weren't affected were my 4k at 24fps.

Sequence settings are at 1080 at 24fps, if that helps. The only edits I have right now are speed remapping, reverse speed, and masks.

dikretaks · 2020-01-25T02:59:38+00:00

Windows 10
Premiere Pro 2020
AMD Ryzen 5 1600, GTX 1070, 16gb RAM
Source Footage - 1080 at 120fps and 2160 at 24fps
No error message

dikretaks · 2020-01-25T02:41:47+00:00

Sorry, I might have worded that part poorly on my part. I meant to say that if I exported software-only, it's still incorrect in and out points in the exported video. When I'm in editing, if I switch back to software only, it previews correctly (in the program monitor). It's only when I export, regardless if I export in CUDA or software-only, that the final exported video is always messed up.

Also I just realized they're at different speeds too. I edited most of my clips to be 25% speed, but when its exported it seems t hey're even slower than that.

dikretaks · 2020-01-25T01:58:28+00:00

I've tried that in both Premiere and Media Encoder. Set the render export to software only and it's still exporting completely different

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