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Re: Buying in ok neighborhood vs good neighborhood

It's a city. I see elementary school kids walking home and to school without their parents. I see them biking. It is just next to section of the city that has a higher crime rate. The ok/good neighborhoods have block parties. The taxes are very high and it is for the cops and the schools. This neig...
by fareastwarriors
Tue Jul 22, 2014 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying in ok neighborhood vs good neighborhood
Replies: 24
Views: 1054

Re: Buying in ok neighborhood vs good neighborhood

No way I'm paying 620K (or 400K or zero K) to be 8 blocks from an area with Your words): Burglary and theft from motor vehicle Retail theft burglary to garage or apt Armed robbery Aggravated assault. Never move to California. You can pay $1M+ and still have a colorful neighborhood crime map. The fi...
by fareastwarriors
Tue Jul 22, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying in ok neighborhood vs good neighborhood
Replies: 24
Views: 1054

Re: Anyone here flip houses?

If you know the market and know a good buy you can make money. That's the tricky part- the rest is relatively easy. It's all about making a good buy. This thread is almost depressing. Flipping is not brain surgery. Recommending REITs over owning RE is mind blowing to me. I think you've greatly over...
by fareastwarriors
Fri Jul 18, 2014 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here flip houses?
Replies: 39
Views: 4250

Re: POLL: Walmart vs Amazon

The local Wal-Marts here always check everyone's receipts.
by fareastwarriors
Fri Jul 18, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 7919

Re: Poll - Do You Read Businessweek?

Financial publications are not going to get a lot of love from this forum. I'm the only yes so right far. lol...
by fareastwarriors
Thu Jul 17, 2014 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Poll - Do You Read Businessweek?
Replies: 28
Views: 1802

Re: Wife has no retirement options- is breadwinner

Max out your contributions to the 401k limit. Max both IRAs.

Does she qualify for HSA? And there is nothing wrong with a nice and large taxable portfolio.
by fareastwarriors
Thu Jul 17, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3178

Re: Real Estate Advice

For only 94k and I get 1.5k in rent a month? I'll do it in a heart beat.
Where do you live?!?
by fareastwarriors
Tue Jul 15, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Advice
Replies: 26
Views: 2524

Re: POLL: Walmart vs Amazon

SpaceCommander wrote:Walmart? Really? Nobody goes there anymore, it's too crowded.



That means people are going there!



ok i'm done. enough wal-mart loving from me.
by fareastwarriors
Mon Jul 14, 2014 6:05 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 7919

Re: Anyone here flip houses?

My brother and I are trying to break into this business. He's a licensed contractor. I think we will have to wait for the next down turn in the SF Bay Area to get some deals. I look everday but nothing jumping out at me right now. But I'm ready to pounce if I see something interesting. In the mean t...
by fareastwarriors
Mon Jul 14, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here flip houses?
Replies: 39
Views: 4250

Re: POLL: Walmart vs Amazon

denovo wrote:I bought a can opener from Wal-Mart that broke after a year. I barely used it and I am not the Hulk or anything remotely near.


That sounds more like the manufacturer's problem. Wal Mart sells all kind of brands from low to higher end.
by fareastwarriors
Mon Jul 14, 2014 2:26 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 7919

Re: POLL: Walmart vs Amazon

I prefer a phyiscal store even if it's a Wal-Mart...call me crazy
by fareastwarriors
Mon Jul 14, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 7919

Re: Continue subscribing to local newspaper?

I like holding the paper in my hand to read. I used to subscribe to my local paper, NYT, and WSJ. Now I just get paper WSJ and online NYT. Not enough time to read everything....but I have no idea what's going on in my town... :(
by fareastwarriors
Fri Jul 11, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6107

Re: Real Estate Prices By Region

Sbashore wrote:Redfin is another one. I live in the Phoenix area and spent a lot time in Arizona and then the Phoenix area nailing down where I wanted to retire.


+1. If your target area is supported by RedFin, I would highly recommend their site. very easy to use and updated daily. much better than zillow/trulia.
by fareastwarriors
Wed Jul 09, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Prices By Region
Replies: 9
Views: 1736

Re: Advice for how to fund my wedding

Option 1. It's fine. This is one small bump in the long road of saving and investing.
Anyways congrats on the wedding. :beer
by fareastwarriors
Tue Jul 08, 2014 9:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 2662

Re: Who do you talk with about your financial goals?

I talk about my financial "goals" to anyone willing to listen. I just say save aggressively, invest prudently , and live modestly. Everyone usually agrees. Where we degree is how...
by fareastwarriors
Mon Jun 30, 2014 2:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9000

Re: Class-action lawsuits

I got a check for like 300 bucks for a class action suit settlement against one of the major Title company.
by fareastwarriors
Thu Jun 26, 2014 6:47 pm
 
Forum: Personal Consumer Issues
Topic: Class-action lawsuits
Replies: 16
Views: 1195

Re: Want to Save Money? Be Polite!

I think I'm polite but I'm not friendly. :(
by fareastwarriors
Thu Jun 26, 2014 3:49 am
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6615

Re: Anyone switch to non-branch banking?

I use Ally and Bank of America.

Believe it or not, I like going to my local BofA branch. Apparently, I'm not the only one since there is always a line. There at least 4 or 5 tellers working and couple of personal bankers so it's not like the branch is not staffed.

I will continue to use BofA.
by fareastwarriors
Wed Jun 25, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone switch to non-branch banking?
Replies: 54
Views: 4239

Re: What is the risk of having too much house

Do you have to buy now? Do you have to be in the City?

I live in the East Bay. I see there are many houses in numerous nice cities priced around $1million or less. Many of them are just a Bart ride/bus ride/Ferry ride (just Alameda I think) away from the City.
by fareastwarriors
Wed Jun 25, 2014 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the risk of having too much house
Replies: 51
Views: 4437

Re: Directv

We dropped DirecTV almost a year ago... couldn't be happier. We have Amazon Prime, Netflix, and Hulu Plus. So we spend about $23/month on TV (although the Amazon Prime benefits are much more than just TV) and still have a lot of programming. DH misses sports, but he seems to be doing just fine with...
by fareastwarriors
Wed Jun 25, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Directv
Replies: 36
Views: 2381

Re: [Poll] Have you taken any Investments course?

Personal Finance class in college. boring and pretty useless.
by fareastwarriors
Mon Jun 23, 2014 1:59 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] Have you taken any Investments course?
Replies: 60
Views: 2772

Re: flipping real estate infomercial work?

I heard these seminars teach about using hard money lenders where you can borrow money regardless of your credit. It is higher interest rate. Anyone ever use hard money lenders? I'm surprise the government or FTC haven't shut down these real estate infomercial. I understand flipping real estate can...
by fareastwarriors
Fri Jun 20, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: flipping real estate infomercial work?
Replies: 20
Views: 1574

Re: Cost of car compared to Gross Income

Bacchus01 wrote:The average new car has to be around $30K now. So does that mean the average gross income is $300K? I don't think so.

Unfortunately cars are expensive.



I actually think cars are relatively inexpensive.
by fareastwarriors
Fri Jun 20, 2014 11:00 am
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4499

Re: Forums like Bogleheads, for Life ?? (other aspects)

One of you guys can start one!
by fareastwarriors
Thu Jun 19, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Forums like Bogleheads, for Life ?? (other aspects)
Replies: 56
Views: 4219

Re: Electronic person-to-person payments

all the cool kids use venmo on their phones
by fareastwarriors
Thu Jun 19, 2014 12:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Electronic person-to-person payments
Replies: 15
Views: 1165

Re: Experience with PenFed refinance

I'm in the middle of a PenFed re-fi and the process has been slow. The processor has been very good about returning emails though. As I understand, the popular no closing re-fi promotion has given them a big backlog of applications to go through. Go Blue 99 - Can you please point me to the no closi...
by fareastwarriors
Wed Jun 18, 2014 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience with PenFed refinance
Replies: 69
Views: 3094

Re: Experience with PenFed refinance

Nothing is 100%.
by fareastwarriors
Wed Jun 18, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience with PenFed refinance
Replies: 69
Views: 3094

Re: [can you] shop at Costco [without a membership?]

I can't use Visa/Mastercard credit cards at my local Costcos (SF Bay Area).
by fareastwarriors
Tue Jun 17, 2014 10:31 am
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 4753

Re: What octane gas do you use to fill your car?

I think I have to use 91 for my Mini Cooper.
Don't see 93 around the stations where I go.
by fareastwarriors
Mon Jun 16, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 76
Views: 5298

Re: What Do You Eat For Snacks?

You guys are so healthy.

I eat chips, candy, chocolate, crackers. Anything in sight lol.
by fareastwarriors
Fri Jun 13, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks?
Replies: 103
Views: 6195

Re: Any "Apps" you like?

the Bloomberg app is a great source for free news/price quotes
I also use the Bloomberg Radio+ app when I want to be a market watcher. :D
by fareastwarriors
Tue Jun 10, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 50
Views: 3950

Re: New homeowner: lawn care advice

scubadiver wrote:
ryuns wrote:In what world is 4000 sf a small yard anyway?

My driveway is 4000 sq ft.


That is almost twice the lot size of my home (for 5 people) in the SF Bay Area. My "front yard" consist of concrete but my at least my backyard have enough room for a few trees and some shrubs!
by fareastwarriors
Mon Jun 09, 2014 10:40 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 26146

Re: Buying a home and cold feet!!

I closed on a 406k home purchase on April 30th in the SF Bay Area. (400k is pretty low-end here...) I thought about it a lot the first few weeks. Did I overpay? Is it worth it? Am I in over my head? etc... But now with all the rennovations moving nicely along, I know it is going to look great and I'...
by fareastwarriors
Thu Jun 05, 2014 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a home and cold feet!!
Replies: 35
Views: 2191

Re: Family cars for non-drivers.

Mazda 3 Hatchback.
by fareastwarriors
Wed Jun 04, 2014 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Family cars for non-drivers.
Replies: 38
Views: 1893

Re: Two Comma Club!

imgritz wrote:I love Boglehead success stories. Congratulations!

+1
by fareastwarriors
Tue Jun 03, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Two Comma Club!
Replies: 55
Views: 5673

Re: Half Milestone Hit!

Great job! Happy for you guys.
by fareastwarriors
Tue Jun 03, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Half Milestone Hit!
Replies: 44
Views: 2560

Re: determining rental price for house?

Look at comps in the area. Craigslist?
by fareastwarriors
Fri May 30, 2014 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: determining rental price for house?
Replies: 11
Views: 1190

Re: Ideas for dining inexpensively

If like you Chinese food, you can get 3 dishes, a soup to share with rice and tea included for around 20 bucks at most sit-down places. You will have leftovers if there are just 2 of you so that's another meal. Or you can go to a Chinese "fast food" place and you get fried rice/chow mein w...
by fareastwarriors
Wed May 28, 2014 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for dining inexpensively
Replies: 79
Views: 4444

Re: Netflix vs Amazon Prime?

I also have both and use RedBox occasionally.
by fareastwarriors
Wed May 28, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Netflix vs Amazon Prime?
Replies: 21
Views: 2434

Re: Cash in Safe Deposit Box..??

As an immigrant with a ton of family, everyone I know have some money in the their Deposit Box (except me!).
It is what it is.
by fareastwarriors
Wed May 28, 2014 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash in Safe Deposit Box..??
Replies: 52
Views: 2910

Re: White collar crime book recommendations?

Enron: The Smartest Guys in the Room

The Informant: A True Story
by fareastwarriors
Wed May 21, 2014 5:02 pm
 
Forum: Personal Consumer Issues
Topic: White collar crime book recommendations?
Replies: 21
Views: 1074

Re: Monthly maintenance cost for a house?

OP, if you value your labor at zero, then don't even worry about it. I am among the lowly paid - $80/hour after taxes, but I have no ability to increase my incremental hours at that same rate of pay. So, I could say my time is worth $80.hr after taxes, but the truth of the matter is that my time af...
by fareastwarriors
Tue May 20, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Monthly maintenance cost for a house?
Replies: 28
Views: 2346

Re: New PC - Buy Office or use free alternatives

Does your employer offer a reduced corporate price for employees? I bought my Office 2010 for like $25 bucks last year through the Microsoft Home Use Progrom (or something like that).
by fareastwarriors
Mon May 19, 2014 6:02 pm
 
Forum: Personal Consumer Issues
Topic: New PC - Buy Office or use free alternatives
Replies: 29
Views: 1983

Re: Amazon.com Rewards Visa card from Chase

PaddyMac wrote:I also have the Amazon Chase card and when I think of it I go online and ask for a Statement Credit. I never use the points on Amazon as that would mean that the purchases do not quality for more points, as someone above just mentioned.




I do the same.
by fareastwarriors
Mon May 19, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amazon.com Rewards Visa card from Chase
Replies: 35
Views: 4743

Re: Housing affordability CA

What are your target areas?

That would help determine the max price.
by fareastwarriors
Mon May 19, 2014 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Housing affordability CA
Replies: 19
Views: 2051

Re: UCLA vs USC Decision [Which college to attend]

If you can appeal for for more financial aid, try it! Private schools are more willing to work with you.
by fareastwarriors
Fri May 16, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: UCLA vs USC Decision [Which college to attend]
Replies: 62
Views: 3554
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