Search found 382 matches

by FB01
Mon Dec 05, 2016 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Confused about chase 5/24 rule
Replies: 15
Views: 1348

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: 1348

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: 484

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: 1359

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: 1359

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: 1717

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: 1243

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: 1243

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: 709

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: 709

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: 382

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: 294

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: 1802

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: 294

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: 2199

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: 1959

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: 1959

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: 1433

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: 1433

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: 1433

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: 1433

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: 4983

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: 1184

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: 1184

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: 1184

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: 1184

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: 1184

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: 6046

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: 2484

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: 2213

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: 1992

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: 2669

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: 1992

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: 4080

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: 689

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: 2602

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: 2602

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: 2602

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: 1310

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: 1310

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: 934

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...
by FB01
Mon Aug 15, 2016 12:28 pm
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: 934

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

Hi all, Just want some suggestion from you guys as I am not sure what should I be doing. I have 700,000 mortgage loan @ 3.25%. I have emergency fund of around 100K invested. However, I also have around 30K in VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares). Is it good idea to sell 30K ...
by FB01
Thu Aug 11, 2016 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Additional 10k - Roth, 529 or Mortgage
Replies: 9
Views: 741

Re: Additional 10k - Roth, 529 or Mortgage

bnes wrote:Your marginal tax bracket? do you itemize? The mortgage interest tax subsidy shifts these numbers.



Am in 25%.

I bought the house this year so will be itemizing from next year.

Thanks,
JR
by FB01
Thu Aug 11, 2016 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Additional 10k - Roth, 529 or Mortgage
Replies: 9
Views: 741

Additional 10k - Roth, 529 or Mortgage

Hi, I have additional 10K and also have my emergency fund. What should be the boglehead approach where to put it Option 1 : Should I put as additional Principal for my Mortgage which is 700K @ 3.25% Option 2 : Put 10K in Roth IRA Option 3 : Put 10K in 529 to fund kids education (Kids are 5 and 2) Th...
by FB01
Sat Aug 06, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: Any idea about ProForm® Sport 6.0 Treadmill - Costco
Replies: 4
Views: 1206

Re: Any idea about ProForm® Sport 6.0 Treadmill - Costco

I have a higher price-point ProForm, but not this specific model. Treadmill Doctor also does not have a review of this model. From the warranty periods and price point, it looks to be a bit on the low-budget side. Do you plan to just walk on this or will you also be jogging and running? My plan is ...
by FB01
Fri Aug 05, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: Any idea about ProForm® Sport 6.0 Treadmill - Costco
Replies: 4
Views: 1206

Any idea about ProForm® Sport 6.0 Treadmill - Costco

Hi,

Has anyone used ProForm® Sport 6.0 Treadmill which is available in Costco?

I am planning to buy this one but wanted any suggestion/opinion if someone has used this one before.

Thanks,
JR
by FB01
Thu Aug 04, 2016 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Selling a house which is not paid off
Replies: 17
Views: 1776

Selling a house which is not paid off

Hi, Just curious if anyone can explain how the process works in terms of money. E.g Bought a house for 1 million and paid 20% dp. Got loan of 800K. Now after 5 years, if I sell the house for 1.5 million, what happens about the unpaid mortgage as the house is not paid of. How does it affect me? Any i...
by FB01
Sun Jul 24, 2016 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plans?
Replies: 31
Views: 3480

Re: 529 plans?

I assume you read the wiki article on this? https://www.bogleheads.org/wiki/529_plan There are also lots of great discussions on pros/cons if you search for other threads. Personally I love 529s - since there are so few tax-advantaged saving mechanisms why not take advantage of all those available ...
by FB01
Sat Jul 23, 2016 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Dump $5500 to Roth IRA on Day 1 of every year or split contribution to 12 months?
Replies: 32
Views: 3266

Re: Dump $5500 to Roth IRA on Day 1 of every year or split contribution to 12 months?

This is an interesting question. I always try to contribute the full amount as soon as possible. The only reason not to do this is if you think you might exceed the contribution limits. If this is the case - you might think about dollar cost averaging a little every month. As it gets closer to the ...

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