pm-decoders

Plugin pm-decoders from marketplace pm-claude-skills in mohitagw15856/pm-claude-skills. Commands read from the repo's manifest — yesterday.

Skills (26)

• 401k-plan-decoder

  Decode a 401k or workplace retirement plan — the real cost of its funds, the match's fine print, vesting math, and the plan features worth using or avoiding. Use when someone asks 'is my 401k any good', 'decode my 401k plan', 'which funds should I look at', or 'what fees am I paying'. Produces a fee

• auto-repair-estimate-decoder

  Decode an auto repair estimate — what each line actually is, which items are urgent vs upsell, and the questions that separate a fair shop from a fishing expedition. Use when someone asks 'is this repair quote fair', 'decode my mechanic's estimate', 'do I really need all this', or 'is the shop rippi

• benefits-decoder

  Decode an employment benefits package into what it's actually worth and where the fine print bites. Use when someone asks 'is this offer good', 'decode my benefits package', 'what does my equity actually mean', or 'what should I ask HR before signing'. Produces a benefit-by-benefit decode with real

• car-lease-decoder

  Decode a car lease offer — the money factor converted to APR, the cap-cost math, mileage and disposition traps, and what to negotiate. Use when asked to decode my car lease, is this lease deal good, what's a money factor, or review this lease before I sign. Produces the real-numbers decode (money fa

• care-home-contract-decoder

  Decode a care-home contract before a parent moves in — the fee-escalation clause with no cap, the needs-can-no-longer-be-met eviction trigger, the guarantor line that quietly makes you personally liable, and the after-death charges nobody mentions on the tour. Use when asked to review a care-home or

• claim-denial-decoder

  Decode an insurance claim denial letter — what the cited reason actually means, whether it's commonly overturnable, and the appeal letter that answers it point by point. Use when someone asks 'my insurance claim was denied what do I do', 'decode this denial letter', 'can I appeal this denial', or 'w

• closing-disclosure-decoder

  Decode a mortgage Closing Disclosure line by line — which fees are real, which are shoppable or junk, and what changed since the Loan Estimate. Use when asked to decode my closing disclosure, review my closing costs, why did my costs go up, or which fees can I negotiate. Produces a section-by-sectio

• disability-insurance-decoder

  Decode a disability insurance policy or employer LTD plan — own-occupation vs any-occupation, the benefit math after offsets and taxes, and the definitions that decide whether it pays. Use when someone asks 'is my disability insurance any good', 'decode my LTD policy', 'what does own-occupation mean

• form-explainer

  Explain an official form field by field (tax, benefits, immigration, employment, school, health, vehicle or court forms) from a photo, PDF, pasted text or just its name and number: what it is for, what each field means and what to put, the documents needed, the deadline, and where to send it. Use wh

• franchise-decoder

  Decode a franchise offering before you sign away a decade — the earnings claims and their absence, the territory that is not exclusive, the renewal terms that expire your equity, the mandatory-supplier margins, and the validation calls that reveal what the brochure will not. Use when asked to evalua

• funeral-pricing-decoder

  Decode a funeral home price list while grieving — the package maths versus the itemised list, the non-declinable basic fee, the upsells that arrive as care, and the direct-cremation benchmark that anchors every other number. Use when asked to compare funeral quotes, is this funeral price fair, what

• hoa-decoder

  Decode HOA covenants (CC&Rs) and the fee structure before you buy into them. Use when someone asks 'what do these HOA rules actually mean', 'decode these CC&Rs', 'is this HOA going to be a problem', or 'what should I check before buying in an HOA'. Produces a restriction decode ranked by lifestyle i

• home-contractor-quote-decoder

  Decode a home renovation or repair quote — allowances that aren't prices, exclusions that become change orders, payment schedules that shift risk, and what a comparable-bids check should cover. Use when someone asks 'is this contractor quote fair', 'decode this renovation bid', 'what should be in a

• inspection-report-decoder

  Decode a home inspection report into what's cosmetic, what's expensive, and what kills deals — with repair-cost ranges and the negotiation list. Use when asked to decode my inspection report, is this inspection bad, what should I ask the seller to fix, or should I walk after inspection. Produces a f

• insurance-policy-decoder

  Decode a home, renters, or auto insurance policy into what's actually covered, what's excluded, and what the payout math really looks like before you need it. Use when someone asks 'what does my insurance actually cover', 'decode my policy', 'is this deductible normal', or 'actual cash value vs repl

• lease-decoder

  Decode a residential lease into plain English and rank the clauses that can hurt you. Use when someone asks 'what am I signing', 'decode my lease', 'is this rental agreement normal', or 'can my landlord really do this'. Produces a clause-by-clause decode table, ranked red flags, break-clause and dep

• loan-decoder

  Decode a personal, auto, or mortgage loan offer into what it really costs and where the traps are. Use when someone asks 'is this loan a good deal', 'decode my loan offer', 'what am I signing', or 'what will this mortgage actually cost me'. Produces a total-cost-of-loan number, APR vs advertised-rat

• medical-bill-decoder

  Decode an itemized medical bill or EOB into plain English and find the charges worth disputing. Use when someone asks 'why is my medical bill so high', 'decode my hospital bill', 'what is this EOB saying', or 'can I negotiate this bill'. Produces a line-by-line decode, duplicate and unbundling flags

• moving-company-estimate-decoder

  Decode a moving company estimate — binding vs non-binding, the weight and cubic-feet games, valuation vs insurance, and the red flags that precede hostage-load stories. Use when someone asks 'is this moving quote legit', 'decode my moving estimate', 'binding vs non-binding estimate', or 'how do I av

• pay-stub-decoder

  Decode a pay stub line by line — every deduction explained, the gross-to-net story, and the errors worth catching. Use when asked to explain my pay stub, why is my paycheck smaller than expected, what are all these deductions, or check my paycheck for mistakes. Produces a line-by-line decode, the gr

• scam-message-decoder

  Decode a suspicious message — text, email, call transcript, or DM — against the anatomy of known scam families, with a 🔴🟡🟢 read and the safe next move. Use when someone asks is this a scam, decode this suspicious text, my 'bank' just called me, this job offer seems off, or my parent got a weird m

• timeshare-contract-decoder

  Decode a timeshare contract before signing — the lifetime cost math, the perpetuity and fee-escalation clauses, the rescission window, and the honest resale reality. Use when asked to review this timeshare, decode my timeshare contract, can I get out of a timeshare, or is this vacation ownership wor

• tos-decoder

  Decode a terms of service or privacy policy into what you're actually agreeing to, ranked by real-world impact. Use when someone asks 'what am I agreeing to', 'decode this privacy policy', 'is this ToS bad', or 'should I click accept'. Produces a ranked findings table with a 'should I care?' verdict

• vet-estimate-decoder

  Decode a veterinary treatment estimate — what each line is for, which items are core vs precautionary, and how to have the options conversation nobody offers you. Use when someone asks 'is this vet estimate reasonable', 'decode my vet's treatment plan', 'do we need all these tests', or 'I can't affo

• wedding-vendor-contract-decoder

  Decode a wedding vendor contract — venue, photographer, caterer, band — before signing: deposits and their refundability, cancellation and postponement terms, the substitute-performer and force-majeure clauses, and overtime math. Use when someone asks review this venue contract, is this photographer

• what-to-ask

  Get the five questions that matter before you sign, buy, or agree to anything — the front door to the decoder family, routed by situation. Use when asked what should I ask before signing this, I'm about to buy X what do I check, what questions for the landlord/dealer/contractor/HR, or what am I forg

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