Search found 669 matches

by fareastwarriors
Fri Aug 07, 2015 4:03 pm
Forum: Personal Consumer Issues
Topic: Home security system and land line
Replies: 15
Views: 1121

Re: Home security system and land line

We've had SimpliSafe at our house for about 6 months now, and we are happy with it. I researched several options before going with them. While I don't remember all of the exact reasons, I think the primary ones were the overall cost(Both equipment and monitoring) as well as the modular way things w...
by fareastwarriors
Mon Jul 27, 2015 7:55 pm
Forum: Personal Consumer Issues
Topic: Can you return food at a restaurant and not have to pay for it?
Replies: 46
Views: 4506

Re: Can you return food at a restaurant and not have to pay for it?

I used to work in restaurants- some higher end- when I was in school. My advice: never send anything back... The things I saw people do when food comes back is unreal. Many restaurants now have cameras in their dining rooms to spy on their patrons. I believe they should be required by law to also h...
by fareastwarriors
Tue Jul 21, 2015 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Hard Money Loans
Replies: 26
Views: 2998

Re: Hard Money Loans

It pays 14% interest per month plus 2 points up front. 14%/month, this screams scam. Legitimate hard money notes do not charge interest per month. In this interest rate environment, even hard money loans are not usurious. 14% per month is obviously a typo. 14% per annum paid monthly is probably wha...
by fareastwarriors
Sat Jul 18, 2015 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: The Good the Bad and the Ugly of real estate
Replies: 82
Views: 11920

Re: The Good the Bad and the Ugly of real estate

I have a pretty good paying job but I still want a second job so I own a triplex. :oops:
Maybe I should get a restaurant for more work.
by fareastwarriors
Fri Jul 17, 2015 12:57 pm
Forum: Personal Consumer Issues
Topic: Gift Card Exchange Web Sites
Replies: 19
Views: 1667

Re: Gift Card Exchange Web Sites

I have used cardpool several times bought $1000 + worth of gift cards, always on time arrival, no issues when using. Actually I make the deal better using topcashback.com for 2% cashback on cardpool purchases. topcashback sounds interesting. so you're getting points from your Credit Card plus the c...
by fareastwarriors
Thu Jul 16, 2015 11:37 am
Forum: Personal Consumer Issues
Topic: Gift Card Exchange Web Sites
Replies: 19
Views: 1667

Re: Gift Card Exchange Web Sites

I have used CardPool. I was making a purchase at Bass Pro Shop online. I picked out my items, totaling just over $50 after tax. I went in another tab of my browser, purchased the electronic gift card for $50, the information showed up in my email a few minutes later. I input the info to the checkou...
by fareastwarriors
Wed Jul 15, 2015 9:31 pm
Forum: Personal Consumer Issues
Topic: Gift Card Exchange Web Sites
Replies: 19
Views: 1667

Re: Gift Card Exchange Web Sites

I used Cardpool and Giftcardrescue many times. They work great. I probably saved over 10 of thousands the past few years using these 2 sites. I only had one problem with Giftcardscue. I bought a gift card for a fast food place. Once I received the card, I checked the balance and it was correct. Howe...
by fareastwarriors
Wed Jul 15, 2015 12:30 pm
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 89
Views: 8028

Re: Are you going to shop on Prime Day?

I bought baby wipes, they were like 50% off. I bought $75 in Amazon gift cards to get a $10 credit. I'll use them. My wife had filled the wish list with some things she wanted but none appear to have deals. I'm not really impressed with the deals, but I'm not really a "shopper," I just ge...
by fareastwarriors
Wed Jul 15, 2015 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 7018

Re: I tipped 15% and got a dirty look

It boggles my mind how someone who makes $100,000 a year or more has strict rules as to how much they tip someone who makes $15,000 a year. It just seems wrong to me. "I tip on the subtotal, but not tax, with x% extra for good service and -x% for poor service, rounded to the closest 50 cent, u...
by fareastwarriors
Wed Jul 08, 2015 3:07 pm
Forum: Personal Consumer Issues
Topic: San Francisco advice
Replies: 20
Views: 3218

Re: San Francisco advice

Thanks, sfchris, for posting about Flywheel. Your stand about not using licensed cab/limo drivers rings true with me. I want a driver who is properly insured, accountable, and background screened. Plus the employers of taxi drivers can track where we go via gps. I'm a single gal. Safety first. Flyw...
by fareastwarriors
Thu Jun 25, 2015 11:40 am
Forum: Investing - Theory, News & General
Topic: Merrill Edge anyone?
Replies: 98
Views: 17474

Re: Merrill Edge anyone?

I'm glad that I came across this thread, because I'm also trying to decide if moving my Vanguard (VG) assets to Merrill Edge (ME) would be a positive move. I'm a BofA checking account and credit card holder. I chose BofA primarily because of the convenience of a national bank. I've read about the P...
by fareastwarriors
Tue Jun 23, 2015 3:55 pm
Forum: Personal Consumer Issues
Topic: "Phantom" Tipping
Replies: 68
Views: 11450

Re: "Phantom" Tipping

I am surprised at the number of posters whose first response was to dispute the charge with the credit card company. In the very few cases where I have had reason to dispute a charge, the credit card company made it clear that I should first dispute the charge with the vendor, and then if that fail...
by fareastwarriors
Tue Jun 23, 2015 12:30 pm
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads/BiggerPocketers think there is only one way?
Replies: 123
Views: 14704

Re: Why do Bogleheads/BiggerPocketers think there is only one way?

I think I've found the middle ground and am curious what others think. My philosophy is that Boglehead investing is just that...INVESTING for the future. I view my real estate transactions are not really an investment...I view them as a second job or a side-hustle. Real estate takes more work, has ...
by fareastwarriors
Fri Jun 12, 2015 4:17 pm
Forum: Personal Consumer Issues
Topic: iPhone 6 or 6 plus for light business travel?
Replies: 27
Views: 2998

Re: iPhone 6 or 6 plus for light business travel?

furwut wrote:Question for those with the 6+ - how do you carry the phone? In your pocket or somewhere else like a bag?


I'm a guy and I carry in front pocket. It fits just fine.
by fareastwarriors
Fri Jun 12, 2015 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Under-reporting my income for renting at a new apartment
Replies: 13
Views: 1572

Re: Under-reporting my income for renting at a new apartment

My current apartment rent keeps skyrocketing year-after-year, and I've decided to move a bit further from work into a cheaper area in my town. The new apartment is not in a ghetto, but the median income is substantially lower. My current area median income is $90k, and the place I am moving to has ...
by fareastwarriors
Thu Jun 11, 2015 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move out of my family's home?
Replies: 55
Views: 5561

Re: Should I move out of my family's home?

Here's what I did: I moved home after college. I didn't live rent free. I did so to help them out. I paid for tons of household things and their property taxes. It would've been cheaper if I lived on my own....I live in SF Bay Area. When my friends say stuff like I must be saving tons of money at ho...
by fareastwarriors
Mon May 11, 2015 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another how much house thread (HCOL)
Replies: 9
Views: 1744

Re: Yet another how much house thread (HCOL)

At least you guys are not in SF...
by fareastwarriors
Tue May 05, 2015 2:24 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge anyone?
Replies: 98
Views: 17474

Re: Merrill Edge anyone?

Another happy customer here!
by fareastwarriors
Fri Apr 24, 2015 3:11 pm
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 3979

Re: Who still have Cable TV?

and sports. Yes you could go to a bar or a friends house but I like the ability to watch in the comfort of my own home. For example as a Golden State Warriors fan the ability to watch yesterdays game 3 ver New Orleans was easily worth $25 of entertainment for me. NBA playoffs, college football (I p...
by fareastwarriors
Thu Apr 23, 2015 7:27 pm
Forum: Personal Consumer Issues
Topic: Will I regret selling this house?
Replies: 17
Views: 2149

Re: Will I regret selling this house?

Definitely list low and try to generate interest. I just put a in an offer in Hayward for 50k above list, all cash, no contingencies but no deal. I didn't even get invited back for 2nd round bids. =/ The house was a piece of crap too. Crazy market indeed. Where is the house located? Is there potenti...
by fareastwarriors
Tue Apr 21, 2015 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Using Zillow/Zestimate to value a home?
Replies: 43
Views: 5278

Re: Using Zillow/Zestimate to value a home?

There's a social element to Zillow, whereas they encourage owners to edit the information on the home. So, feel free to correct the information. You can also contact them if there is something there that you can't edit, and they will change it for you. Sure, you can correct things about your own ho...
by fareastwarriors
Wed Apr 08, 2015 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 13012

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

If that's the number, then I'm only a third of the way there.
Depressing...
by fareastwarriors
Tue Mar 31, 2015 2:01 pm
Forum: Personal Consumer Issues
Topic: Home security systems
Replies: 7
Views: 945

Re: Home security systems

I use SimpliSafe. It has been great thus far. No problems with the hardware/service.
by fareastwarriors
Fri Mar 27, 2015 5:59 pm
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 16042

Re: Restaurant tipping

I have a good friend who is deaf. When we were undergraduates, she worked as a server in a fairly upscale restaurant. She was a very competent server and made a lot of tips, even though she couldn't serve liquor because she wasn't of age. One Monday night (Monday Night Football night), she was serv...
by fareastwarriors
Thu Mar 26, 2015 1:19 pm
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 16042

Re: Restaurant tipping

I'm fascinated by how much passion tipping stirs up on this board. There are true believers on both sides of the argument and people really take it personally. The typical Boglehead is a millionaire ----yet we quibble about should we tip 20% of the pre-tax or post-tax amount. :D Is this true? Not c...
by fareastwarriors
Mon Mar 23, 2015 11:12 am
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 16042

Re: Restaurant tipping

I'm one of those who fail to see logic in tipping. 1. They're already making minimum wage (MW). Why are we tipping them and not ALL other MW individuals in other professions who are also struggling to make ends meet? How is that fair? 2. These tipped individuals probably make more than what the tip...
by fareastwarriors
Thu Mar 19, 2015 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with PenFed refinance
Replies: 75
Views: 6126

Re: Experience with PenFed refinance

I closed on a cash out refi PenFed back in December 2014. No issues. No surprises.
by fareastwarriors
Fri Mar 13, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 37390

Re: Will you buy an Apple Watch?

Your cell carrier would be a vastly inferior experience than Apple. IMO, it's big plus not to have to deal with the telco to fix or replace a phone. My wife smashed her iPhone at 2pm and I made an appt at 4pm at our local apple store. She left the store at 4:30 with a replacement phone (exactly sam...
by fareastwarriors
Thu Mar 12, 2015 3:49 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 37390

Re: Will you buy an Apple Watch?

haters gonna hate 8-)
by fareastwarriors
Mon Mar 02, 2015 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 85
Views: 639692

Re: Costco/AmEx relationship ending. New Costco MasterCard?

What is a good Citi card to sign up for to use at Costco and other places?

The Citi Double Cash is great but I think that card is avaiable as a MC.
by fareastwarriors
Mon Mar 02, 2015 11:13 am
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 245
Views: 27244

Re: What are Costco's best deals?

Fruit Veggies Gas Beer I should check some of the prices, I think we are paying more than we should in some areas. On the other hand the customer service has always been good, I see the same people working all the time (must have low turn over), from what I hear they pay the employee's a decent wag...
by fareastwarriors
Mon Mar 02, 2015 11:10 am
Forum: Personal Consumer Issues
Topic: How do I learn to like sushi?
Replies: 80
Views: 6609

Re: How do I learn to like sushi?

If you guys think sushi is exotic or strange, then there are many Chinese dishes you should never try...
by fareastwarriors
Wed Feb 25, 2015 3:09 pm
Forum: Personal Consumer Issues
Topic: Buying a home in SF Bay Area [Dumbo]
Replies: 79
Views: 5685

Re: Buying a home in SF Bay Area

Despite all of its problems, Oakland is getting too pricey already. Asking rents in popular areas of Oakland are nearly going to SF level...
by fareastwarriors
Tue Feb 24, 2015 7:46 pm
Forum: Personal Consumer Issues
Topic: Buying a House - SF Bay Area [bayareabuyer]
Replies: 37
Views: 4440

Re: Buying a House - SF Bay Area

Any particular cities you are looking into? South Bay only or Penisula? or Southern East Bay maybe?
by fareastwarriors
Fri Feb 20, 2015 12:53 pm
Forum: Personal Consumer Issues
Topic: Pick-Pockets
Replies: 63
Views: 6471

Re: Pick-Pockets

Why do people pick their wallets in their back pockets? Doesn't hurt or feels weird to sit on it...?
by fareastwarriors
Sun Feb 08, 2015 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: iPhone 6 Plus: Too large or Do You Get Used to It?
Replies: 42
Views: 3579

Re: iPhone 6 Plus: Too large or Do You Get Used to It?

No man has been able to answer my inquiries on where they keep it, aside from a belt clip. Students keep it in their backpacks, but what about you working professionals? Do you just have massive pant pockets? My 6 barely fits in some. I keep mine in my jeans sometimes, but when I sit I can feel it....
by fareastwarriors
Thu Feb 05, 2015 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Citibank Double Rewards %1+%1 Credit Card
Replies: 30
Views: 4148

Re: Citibank Double Rewards %1+%1 Credit Card

Here are the best cards for everyday spend, by situation: ⋅  US spend, no AF: Double Cash (2% cashback, 3% FTF); Fidelity Amex (2% cashback; 2% FTF) ⋅  Foreign spend, available to everyone and no AF: Quicksilver (1.5% cashback, no FTF) ⋅  Worldwide spend, $89 AF: Arriv...
by fareastwarriors
Thu Jan 29, 2015 4:12 pm
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 6135

Re: What age did you move out?

I moved out few months ago at age 26. I didn't feel like I needed to move out after I graduated. I had a good job but living at home was just fine for me. I think being an immigrant helps since there is no stigma whatsoever in living under a multi-generational home. It's expected and moving out befo...
by fareastwarriors
Wed Jan 28, 2015 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Banks offering HELOC with drive-by appraisal
Replies: 3
Views: 644

Re: Banks offering HELOC with drive-by appraisal

Did you posting your question on biggerpockets.com? Lots of info over there.
by fareastwarriors
Wed Jan 21, 2015 2:25 pm
Forum: Personal Consumer Issues
Topic: $7 gas - what would you do?
Replies: 125
Views: 19500

Re: $7 gas - what would you do?

I wouldn't change anything.
by fareastwarriors
Wed Jan 07, 2015 4:09 pm
Forum: Personal Consumer Issues
Topic: Games
Replies: 38
Views: 4768

Re: Games

My gf and I play Clash of Clans on our phones. :D
by fareastwarriors
Wed Jan 07, 2015 2:42 pm
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 4183

Re: SlingTV

The big news here is ESPN. Something I've heard again and again about folks reluctant to be cord cutters is not having access to their sports. So for those who feel forced into a $100 cable bill because of sports, they can now get ESPN networks and a few others for $20 month. Netflix for $8 and ove...
by fareastwarriors
Wed Dec 17, 2014 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Rental expense that crosses two calendar years
Replies: 4
Views: 676

Re: Rental expense that crosses two calendar years

I'm no expert, but I think if you stick to cash method accounting, you will be fine. In other words, record the expense in the year the cash left your wallet. Generally, businesses use either cash or accrual method, either is fine usually as long as you don't switch back and forth all the time. Thi...
by fareastwarriors
Mon Dec 15, 2014 7:34 pm
Forum: Personal Consumer Issues
Topic: We cut the (Cable/Satellite TV) Cord!
Replies: 45
Views: 5057

Re: We cut the (Cable/Satellite TV) Cord!

Congrats to you.

If I didn't watch NBA so much, I would do the same! Go Warriors.
by fareastwarriors
Tue Dec 02, 2014 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with PenFed refinance
Replies: 75
Views: 6126

Re: Experience with PenFed refinance

I'm currently in the process of getting a cash-out refi with PenFed. The appraiser is coming this week.
I will update my experience as it moves forward but far my PenFed processor has been pretty prompt for the most part.
by fareastwarriors
Mon Nov 24, 2014 11:29 am
Forum: Personal Consumer Issues
Topic: Experiences using VRBO, Airbnb internationally
Replies: 26
Views: 3067

Re: Experiences using VRBO, Airbnb internationally

I rented a studio apartment in Seoul, S. Korea on Airbnb. It was great. Beautiful place with a good price. I didn't meet/see the host but I did called her a few times to ask about stuff. Her English was not great but everything worked out just fine. I recommend it.
by fareastwarriors
Tue Nov 11, 2014 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 5287

Re: Savings rate of -2% for those under 35 - WSJ

I'm a millennial.

My parents never made much money but they were decent savers. That's about it though. Still no retirement fund or anything like that. I grew up really poor and it sucked. I don't want to be poor ever again so I save and invest, save and invest, save and invest.
by fareastwarriors
Tue Nov 11, 2014 1:57 pm
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 8097

Re: Food Frugality: Where do you draw the line?

I wish I work at your office.
:D

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