Search found 390 matches

by FB01
Wed Jan 11, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 182
Views: 21596

Re: Chase Sapphire Reserve

For those of you who already have this card... Does the annual fee get billed on the first statement? Yes. The $300 credit shows up immediately too, as soon as something that qualifies posts. I paid for a hotel earlier this week, credit is already there... What if a book for a hotel in June for 400...
by FB01
Wed Jan 11, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Is getting paid membership of edhelper worth it
Replies: 0
Views: 150

Is getting paid membership of edhelper worth it

Hello,

I have kids in 1st and 3rd grade. We do not send them in other classes but give papers from google for practice. Is getting membership of edhelper.com worth it?

Do the papers they provide after paying good for exercise?

Thanks,
Fb
by FB01
Mon Jan 09, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 182
Views: 21596

Re: Chase Sapphire Reserve

I was planning to apply sometime this year but seeing the offer is expiring applied.

Planning to apply for my wife..but thinking how to spend 8000 in 3 months :?
by FB01
Mon Jan 09, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Ways to charge money on Credit Card
Replies: 21
Views: 1978

Ways to charge money on Credit Card

Hi,

So I got this credit card and need to put couple of thousand buck in 3 months.

What are the ways people charge credit card apart from normal expenditure?

Thanks,
FB
by FB01
Tue Dec 27, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: Study Table for kids
Replies: 16
Views: 795

Study Table for kids

Hi, I have 2 young children (7 and 5). I had a small study table where my elder one studies but as other is also growing I need to get a bigger table where both can study/write together and hopefully the height can be adjustable as they grow older. I tried IKEA but could not get much out it so want ...
by FB01
Sun Dec 25, 2016 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Paying extra on mortgage
Replies: 27
Views: 2904

Re: Paying extra on mortgage

Hi, I am also doing the same thing. I always put in 100/200 or 300 extra money to my mortgage every month. I make sure my 401K, Roth IRA and 529 are funded first and then whatever is left over..i put in the mortgage. I just bought house this year have still have 30 more years to go so hopefully this...
by FB01
Sat Dec 10, 2016 11:27 pm
Forum: Personal Consumer Issues
Topic: What site do you prefer for online doc storage?
Replies: 18
Views: 1148

Re: What site do you prefer for online doc storage?

Hi,

I use Google drive but is there any way I can create a password for the docs which I upload in Google drive. For. e.g, if i want to upload my tax return in my google drive..i want it to have it password protected

-Jr
by FB01
Wed Dec 07, 2016 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Chase Sapphire Reserve Card
Replies: 19
Views: 2064

Question about Chase Sapphire Reserve Card

Hi, Chase Sapphire Reserve card say "$300 ANNUAL TRAVEL CREDIT automatically applied to your account for travel purchases charged to your card" My question..if I don;t travel, can I call them and get gift cards for travel or I should have travel related expenses on my credit card to get re...
by FB01
Mon Dec 05, 2016 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Confused about chase 5/24 rule
Replies: 15
Views: 1665

Re: Confused about chase 5/24 rule

Simple answer, count up the *new* cards, in your name, that you've *opened* with any bank over the last 24 months. If the number is greater than 5, then you'll need to wait until that number drops below 5 for the previous 24 months. Old cards, the total number of cards, your wife's cards, whether t...
by FB01
Mon Dec 05, 2016 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Confused about chase 5/24 rule
Replies: 15
Views: 1665

Confused about chase 5/24 rule

Hello, I am not sure whether should I apply for a new chase card as not sure about the 5/24 rule. Below are my existing chase cards Chase Freedom (I am primary and wife is secondary) - so I believe it will count 2 cards - Not planning to close Chase United Mileage Plus - 1 (have miles in the account...
by FB01
Tue Nov 29, 2016 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card cancellation
Replies: 3
Views: 504

Credit Card cancellation

Hi, I got the credit card for some airline points. I got the points and used it. How long do I need to keep the card before I cancel it? My intent for the card was getting the points. Is there a minimum period I need to keep the card before I cancel without affecting much of my credit history? Thank...
by FB01
Fri Nov 18, 2016 5:07 pm
Forum: Personal Consumer Issues
Topic: Driving from San Jose to San Diego - Where to Stop
Replies: 18
Views: 1402

Re: Driving from San Jose to San Diego - Where to Stop

DSInvestor wrote:The route down pacific coast highway is really scenic. Lots of places to stop. Not sure if they'll be there now but my wife and I came across a beach with what looked like thousands of sea lions.


Can you tell me the name of the beach?
by FB01
Fri Nov 18, 2016 5:02 pm
Forum: Personal Consumer Issues
Topic: Driving from San Jose to San Diego - Where to Stop
Replies: 18
Views: 1402

Driving from San Jose to San Diego - Where to Stop

Hi, I am planning to drive from San Jose to San Diego with 2 kids of 8 and 5. It should be 8 hours drive. I am planning to start in the morning around 8. Are there any places for me to stop which kids will enjoy? I am not planning to spend much time but just some place which kids might find interest...
by FB01
Fri Nov 18, 2016 12:24 am
Forum: Personal Consumer Issues
Topic: best upright vacuum
Replies: 9
Views: 1779

Re: Previous Threads

Here's a thread from last month: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=200725&p=3077655&hilit=vacuum#p3074299 And one from August: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=197340&p=3015124&hilit=vacuum#p3014189 I asked the question last month abo...
by FB01
Mon Nov 14, 2016 12:09 pm
Forum: Personal Consumer Issues
Topic: Visiting [Sea World, San Diego] in Thanksgiving - Howz weather?
Replies: 13
Views: 1276

Re: Visiting Sea Diego in Thanksgiving - Howz weather?

http://www.accuweather.com/en/us/san-diego-ca/92101/daily-weather-forecast/347628?day=11 You will need jackets and sweaters for sure. It will be cool, but not cold. I saw that online but just want hear from somebody who stays in San Diego or someone who went to Sea World during Thanksgiving..just t...
by FB01
Mon Nov 14, 2016 11:24 am
Forum: Personal Consumer Issues
Topic: Visiting [Sea World, San Diego] in Thanksgiving - Howz weather?
Replies: 13
Views: 1276

Visiting [Sea World, San Diego] in Thanksgiving - Howz weather?

Hi,

I am planning to go to Sea World, Sea Diego in Thanksgivigng with my kids ages 7 and 4. Is the weather fine for kids during Thanksgiving? Will the kids be okay outdoor in San Diego during Thanksgiving days.

Thanks,
JR
by FB01
Mon Oct 24, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Property Tax - Estimate
Replies: 10
Views: 772

Re: Property Tax - Estimate

Your tax bill is probably based on the previous assessment. Most municipalities reassess on an annual basis and it's probably based on the January 1 value. You appear to be getting a break on the previous owner's assessment but you will be hit with the new assessment next year. Gill So you mean..i ...
by FB01
Mon Oct 24, 2016 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Property Tax - Estimate
Replies: 10
Views: 772

Property Tax - Estimate

Hi, So if I google it says property tax is generally 1.25% of the price I paid for the house. For. e.g, I paid 1,00,000 for the house in Bay area and purchased in June, how much should I be expecting the property tax bill. I received one bill for 1500, but it does show the price I paid for the house...
by FB01
Wed Oct 19, 2016 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Did Backdoor Roth IRA - now Income not going to exceed the limit
Replies: 3
Views: 401

Did Backdoor Roth IRA - now Income not going to exceed the limit

Hello, In Jan 2016, I thought my income will exceed 190K so did the Backdoor Roth IRA. Now coming to the end of the year, it is not going to exceed. Does is make any difference or do I need to do anything different while filing taxes because of the Backdoor Roth IRA I did even though my income is no...
by FB01
Mon Oct 10, 2016 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance question
Replies: 4
Views: 315

Re: Refinance question

Stick with what you have... that's a good rate for a 30 year mortgage. No need to save up to try and refinance. The rate isn't changed by how much you can put down or pay down. If you could handle the higher payment of a 15 year mortgage easily, that would be a good way to lower your total interest...
by FB01
Mon Oct 10, 2016 10:52 am
Forum: Personal Consumer Issues
Topic: Unplugging Treadmill after every use
Replies: 21
Views: 2019

Unplugging Treadmill after every use

Hi, I have got Pro-Form Treadmill from Costco. In the manual, they have mentioned that after every use, I need to turn off the switch and unplug the wire. So before using every day, I will need to plug in the wire and turn on the switch and after I am done unplug and turn off the switch. How does th...
by FB01
Mon Oct 10, 2016 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Refinance question
Replies: 4
Views: 315

Refinance question

Hi all, So i have 30 year loan for 3.25%. If I have some extra money, I try to make payment towards the principal every month. (I paid extra $300 the other day and it said i saved $450 in interest:-) I am not sure if I will get a better rate in future for 30 year loan, but just in case if I want to ...
by FB01
Fri Oct 07, 2016 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Should I close my new Credit Card?
Replies: 28
Views: 2257

Re: Should I close my new Credit Card?

[quote="lakpr"]As a general rule of thumb, do not close credit cards that are younger than 2 years or older than 5 years. I did not get your statement..you mean to say that that if I want to close credit card it should after 2 years but before it reaches 5 years? I can understand the impac...
by FB01
Tue Oct 04, 2016 10:08 am
Forum: Personal Consumer Issues
Topic: Light weight Carpet Cleaning Vaccuum
Replies: 18
Views: 2054

Re: Light weight Carpet Cleaning Vaccuum

Thank you for the suggestion.

Shark Rocket has too good reviews.
by FB01
Mon Oct 03, 2016 9:49 pm
Forum: Personal Consumer Issues
Topic: Light weight Carpet Cleaning Vaccuum
Replies: 18
Views: 2054

Light weight Carpet Cleaning Vaccuum

Hi all, Can anyone suggest a good light weight carpet cleaning vacuum? I tried couple of them but not doing the job or will break down after sometime. We have stairs with carpet so would like to get some light weight with which we can do the vacuum. Based on your experience, do you recommend any? Th...
by FB01
Mon Oct 03, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: How to remove house pictures from Zillow after the purchase
Replies: 10
Views: 1451

Re: How to remove house pictures from Zillow after the purchase

greenbldg2 wrote:Log in as owner, edit listing details, click on an individual photo and the delete option is on the enlarged preview photo.


Great..thanks..it worked..
by FB01
Mon Oct 03, 2016 11:40 am
Forum: Personal Consumer Issues
Topic: How to remove house pictures from Zillow after the purchase
Replies: 10
Views: 1451

Re: How to remove house pictures from Zillow after the purchase

MrNewEngland wrote:When did you buy? I bought my place and noticed that the pics all came down (through no action on my part) a few months later.


Bought around 6 months ago but still Zillow shows the pictures.
by FB01
Mon Oct 03, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: How to remove house pictures from Zillow after the purchase
Replies: 10
Views: 1451

Re: How to remove house pictures from Zillow after the purchase

slayed wrote:I believe you can remove the pictures once you claim the property as yours on zillow and verify the ownership.


So you mean, I need to write to Zillow and show them property papers verifying the ownership?

Thanks,
by FB01
Mon Oct 03, 2016 11:22 am
Forum: Personal Consumer Issues
Topic: How to remove house pictures from Zillow after the purchase
Replies: 10
Views: 1451

How to remove house pictures from Zillow after the purchase

Hi, I bought the house and told my agent to remove the pictures from MLS listing. She did and I could see the pictures disappearing from Redfin.com. However, Zillow still has those pictures. Is there any specific route I need to go to remove pictures specially from Zillow. MLS listing does not have ...
by FB01
Fri Sep 30, 2016 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: What you guys do with the bonus
Replies: 59
Views: 5227

What you guys do with the bonus

Hi,

Just want to get an idea as what people do with bonus.

I am planning to put in Roth IRA for next year and rest to extra payment for my mortgage. Want to hear from people as putting extra payment on mortgage (Interest rate 3.25%) is better idea or put in taxable

Thanks,
by FB01
Sun Sep 25, 2016 10:32 pm
Forum: Personal Consumer Issues
Topic: Football on Over the Air Free channels
Replies: 11
Views: 1233

Re: Football on Over the Air Free channels

On my HDTV, a Samsung, there are at least 3 places in the menus where some sort of "Language" setting pops up. There is a language setting for the menus themselves and then there are two distinct setting in the "Audio" sub-menu. There is one setting for "Preferred Language&...
by FB01
Sun Sep 25, 2016 8:37 pm
Forum: Personal Consumer Issues
Topic: Football on Over the Air Free channels
Replies: 11
Views: 1233

Re: Football on Over the Air Free channels

¿Qué canal de televisión está viendo Ud. cuando esto sucede? si está viendo la principal filial de la CBS o Fox y el comentario es en Espanol, la configuración del televisor esta usando "SAP".[/quote I guess you posted on wrong forum. Post on the forum where they can understand the langua...
by FB01
Sun Sep 25, 2016 8:28 pm
Forum: Personal Consumer Issues
Topic: Football on Over the Air Free channels
Replies: 11
Views: 1233

Re: Football on Over the Air Free channels

[quote="dailybagel"]¿Qué canal de televisión está viendo Ud. cuando esto sucede? si está viendo la principal filial de la CBS o Fox y el comentario es en Espanol, la configuración del televisor esta usando "SAP".[/quote I guess you posted on wrong forum. Post on the forum where t...
by FB01
Sun Sep 25, 2016 5:27 pm
Forum: Personal Consumer Issues
Topic: Football on Over the Air Free channels
Replies: 11
Views: 1233

Re: Football on Over the Air Free channels

Hi, Being frugal, I disconnected my cable and got the over the Air free channel MOHU antenna. I get free HD channels which also show Sunday Football games. However, whenever football comes the commentary switches to Spanish. If ad comes, it is in English and also the Half time report also comes in ...
by FB01
Sun Sep 25, 2016 5:14 pm
Forum: Personal Consumer Issues
Topic: Football on Over the Air Free channels
Replies: 11
Views: 1233

Football on Over the Air Free channels

Hi, Being frugal, I disconnected my cable and got the over the Air free channel MOHU antenna. I get free HD channels which also show Sunday Football games. However, whenever football comes the commentary switches to Spanish. If ad comes, it is in English and also the Half time report also comes in E...
by FB01
Fri Sep 23, 2016 4:32 pm
Forum: Personal Consumer Issues
Topic: HSBC Bank- Easy (???) $350 bonus
Replies: 44
Views: 6230

Re: HSBC Bank- Easy $350 bonus

Any idea..how much should be the direct deposit...I can do a direct deposit from my other Checking out but not sure what amount they are looking at?
by FB01
Thu Sep 22, 2016 10:51 pm
Forum: Personal Consumer Issues
Topic: How is your experience about buying home in SF bay area?
Replies: 18
Views: 2597

Re: How is your experience about buying home in SF bay area?

Hi,

It all depends. Houses in good school area are for sure not going to come down. We bought house last year and there were 15 offers. Having said that, our place is our place. I rented for 8 years and tired of paying rent which was increasing every year.
by FB01
Tue Sep 20, 2016 6:39 pm
Forum: Personal Consumer Issues
Topic: Those who are having Ooma
Replies: 13
Views: 2346

Those who are having Ooma

Hi, I got below email from Ooma. I have been having Ooma since 2-3 years. Is it worth spending $79.99 to upgrade as they mentioned have already discontinued technical enhancements and customer support for the first generation Ooma Hub product. Any thoughts? Thanks, JR "As a valued Ooma Hub owne...
by FB01
Sun Sep 18, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: Any Car expert out there : Check Engine Light on
Replies: 27
Views: 2064

Re: Any Car expert out there : Check Engine Light on

Hi all,

Considering the advice given, I went ahead and repaired it. Check engine light is gone now...

Thanks for all the suggestion...

JR
by FB01
Sat Sep 17, 2016 11:45 pm
Forum: Personal Consumer Issues
Topic: 2016 Honda Odyssey - which model?
Replies: 37
Views: 2774

Re: 2016 Honda Odyssey - which model?

As everyone said, it all depends on the choice. For me my wife will be driving the van so I went with EXL with NAV. With 2 small kids, leather seats and NAV were kind of thing we wanted.

NAV is working fine for us.

-JR
by FB01
Wed Sep 14, 2016 10:13 am
Forum: Personal Consumer Issues
Topic: Any Car expert out there : Check Engine Light on
Replies: 27
Views: 2064

Any Car expert out there : Check Engine Light on

Hi, My Camry has Check Engine Light on since couple of day. The mechanic diagnosed and gave the below details Code P0057 : Heated Oxygen Sensor(Bank 2 Sensor) - Heater Circuit Low Input - Automatic Transmission Code P0161 : Heated Oxygen Sensor(Bank 2 Sensor) - Heater Circuit Malfunction - Automatic...
by FB01
Mon Sep 12, 2016 8:21 am
Forum: Personal Consumer Issues
Topic: Best Flashlight to keep in home for emergency
Replies: 56
Views: 4402

Best Flashlight to keep in home for emergency

Hi,

Which is the best flashlight you guys recommend to keep in home for emergency? I am looking for something which is chargeable easily.

Thanks,
JR
by FB01
Fri Sep 09, 2016 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Bought House - Tax question on Itemized deduction
Replies: 9
Views: 719

Bought House - Tax question on Itemized deduction

Hi,

I used to do Standard deduction for my taxes before used Turbo Tax. I bought a house this year so planning to do itemized.

What kind of itemized deduction can I get after buying house? As will be filling for the first time with itemized, not sure if that is advantageous to me.

Thanks,
JR
by FB01
Sun Aug 28, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - Spousal Benefits - Basics
Replies: 30
Views: 2718

Re: Social Security - Spousal Benefits - Basics

Sorry guys... this is really new to me. I just want to clarify if someone can simply answer yes or no - My wife does not have 40 credit. If i retire (whatever age), there will also be SS Spousal benefit. If I am getting $3000, my wife will also get $1500 (even though she has not worked to reach cre...
by FB01
Sat Aug 27, 2016 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - Spousal Benefits - Basics
Replies: 30
Views: 2718

Re: Social Security - Spousal Benefits - Basics

......If i retire (whatever age), there will also be SS Spousal benefit. If I am getting $3000, my wife will also get $1500 (even though she has not worked to reach credit) so totally...I will be getting a check of $4500 every month... Is my understanding correct? Can you anyone please confirm. -JR...
by FB01
Sat Aug 27, 2016 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - Spousal Benefits - Basics
Replies: 30
Views: 2718

Re: Social Security - Spousal Benefits - Basics

Sorry guys... this is really new to me. I just want to clarify if someone can simply answer yes or no - My wife does not have 40 credit. If i retire (whatever age), there will also be SS Spousal benefit. If I am getting $3000, my wife will also get $1500 (even though she has not worked to reach cred...
by FB01
Thu Aug 18, 2016 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Geico Mechanical Breakdown Insurance - Is it worth it
Replies: 13
Views: 1544

Re: Geico Mechanical Breakdown Insurance - Is it worth it

Thank you all for your feedback.

I called Geico and cancelled the MBI. They refunded the pro-rata charge back to my credit card.

-JR
by FB01
Thu Aug 18, 2016 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Geico Mechanical Breakdown Insurance - Is it worth it
Replies: 13
Views: 1544

Geico Mechanical Breakdown Insurance - Is it worth it

Hi, I just bought a new Honda Odyssey van and my insurance is with Geico. I was checking and they have added Mechanical Breakdown Insurance which is $36 for 6 months. The van is my secondary vehicle and will be using in the weekend for pleasure trips so will be using using 4000-5000 miles for 6 mont...
by FB01
Tue Aug 16, 2016 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Pay mortgage vs money in taxable VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares)
Replies: 5
Views: 982

Re: Pay mortgage vs money in taxable VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares)

[quote="grabiner"]See Paying down loans versus investing on the wiki. Hi Grabiner The second question is determined by bond returns. Given your $700K mortgage, I would assume you are in a high tax bracket, and thus you might well earn more on municipal bonds than by paying down the mortgag...

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