Search found 467 matches

by FB01
Thu Nov 16, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire Res - Anyone use Trip Canc Insurance
Replies: 10
Views: 878

Chase Sapphire Res - Anyone use Trip Canc Insurance

Hi,

Chase Sapphire Reserve gives Insurance for Trip Cancellation. Has anyone used it and share their experience if someone got the money back if their trip was cancelled?

Thanks,
JR
by FB01
Mon Nov 13, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Laptop from Costco - Chase Freedom/AMEX
Replies: 9
Views: 929

Laptop from Costco - Chase Freedom/AMEX

Hi,

I am planning to buy laptop from Costco Online. I can use either AMEX and Chase Freedom online. Based on the extended warranty, which one is the card that I should use so that I can better coverage for my laptop

- Chase Freedom
-AMEX Blue

Thanks,

JR
by FB01
Sat Nov 04, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Tax act - Trump's tax plan
Replies: 4
Views: 1126

Tax act - Trump's tax plan

Hi, If the Tax act is passed, it will be applicable for Calendar Year 2018 ..correct? So whatever tax rate he is proposing, it will be applicable to us in 2019 when I pay taxes for 2018. I just want to confirm, it won't be applicable for this Calendar Year 2017 Clarification: 1) He is proposing stan...
by FB01
Thu Nov 02, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Reviews for Riu Santa Fe All Inclusive, Cabo San Lucas
Replies: 4
Views: 413

Reviews for Riu Santa Fe All Inclusive, Cabo San Lucas

Hi, I have read reviews on trip advisor for Riu Santa Fe All Inclusive, Cabo San Lucas but still confused. Am planning to travel with my kids. Does anyone has stayed at Riu Santa Fe? I am looking for kids perspective and not from parties/booze etc. Riu Palace is much better but they are charging 200...
by FB01
Tue Oct 31, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Cabo San Lucas - question
Replies: 33
Views: 3429

Re: Cabo San Lucas - question

Hi all,

I am not planning to rent a car in Cabo. Will I need to have the Pesos or will US dollars just work fine?


-JR
by FB01
Mon Oct 30, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Cabo San Lucas - question
Replies: 33
Views: 3429

Re: Cabo San Lucas - question

I do read that Beaches are not that friendly.

What else can be done with the kids?

-JR
by FB01
Sun Oct 29, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Cabo San Lucas - question
Replies: 33
Views: 3429

Re: Cabo San Lucas - question

Would you consider an all-inclusive with different restaurants on site or would you rather be more independent? Do you want child care or youth programs? There are dozens of resorts on the beach so it comes down to what you want. Activities for kids: boat trips, they should be able to snorkel at th...
by FB01
Sun Oct 29, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Cabo San Lucas - question
Replies: 33
Views: 3429

Cabo San Lucas - question

Hi, I am planning to a trip to Cabo San Lucas with my 2 kids (6 and 8) in Dec/Jan. Couple of questions: 1) I am planning to stay 4 days in Cabo (excluding travel time). What are the things that can be done with kids? 2) Can anyone recommend a resort who has stayed there which has a beach access 3) D...
by FB01
Thu Oct 26, 2017 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Question : Paying off Mortgage
Replies: 26
Views: 2834

Re: Question : Paying off Mortgage

Or even a taxable account. The OP can earn a higher after-tax interest rate on CA municipal bonds than the mortgage rate, because the mortgage allows a deduction for the high CA and federal taxes. (This is also why I don't pay down my own mortgage, and make taxable investments instead. I don't actua...
by FB01
Thu Oct 26, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Question : Paying off Mortgage
Replies: 26
Views: 2834

Re: Question : Paying off Mortgage

Thank you all for giving the suggestion. Couple of people on the forum had said that my effective interest rate is 2.44%. However, when I do the Amortization and pay extra $500 dollars towards the principal, it says "Interest Saved" is $727 which is like saving more than $500 I paid. Am I missing so...
by FB01
Mon Oct 23, 2017 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Question : Paying off Mortgage
Replies: 26
Views: 2834

Question : Paying off Mortgage

Hi all, I have got 3.25% mortgage rate and still need to pay $750,000 (Bay area). I try to pay additional couple of bucks here and there every month towards principal and do not put money in saving. I already have my emergeny/saving fund which i do not touch. Only thing is that after buying the hous...
by FB01
Sat Oct 14, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Pay down mortgage or maintain liquidity for future home improvements
Replies: 10
Views: 1301

Re: Pay down mortgage or maintain liquidity for future home improvements

How much is the loan and at what percentage you are paying the mortgage?
by FB01
Fri Oct 13, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: California Wild Fires
Replies: 8
Views: 1205

California Wild Fires

Hi, It is so painful to see the whole neighborhood getting wiped out my the California fires. God help the ones who have lost their house. Does government help people who have suffered such tragedy as I am not sure if Home Insurance/Car Insurance cover house and car damaged by natural disaster. Peop...
by FB01
Mon Oct 09, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating Other Income on W2 for RSU's
Replies: 6
Views: 314

Re: Calculating Other Income on W2 for RSU's

if you hold longer than that (which I assume you mean by long term) your company won't report anything on your W2. But you still need to report the "discount" as income (Line 7 on 1040) and use the price you paid plus that discount as your basis. So for a gain, the result is the same, just won't sho...
by FB01
Mon Oct 09, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Calculating Other Income on W2 for RSU's
Replies: 6
Views: 314

Re: Calculating Other Income on W2 for RSU's

For the "missing" $1500... some possibilities. If your employer offers an ESPP, with shares bought for a discount and also allows sales during same year, those "disqualifying dispositions" get reported on your W2 (sales price minus what you paid in the ESPP Also any small bonuses you may have gotte...
by FB01
Mon Oct 09, 2017 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Calculating Other Income on W2 for RSU's
Replies: 6
Views: 314

Calculating Other Income on W2 for RSU's

Hi, Can I know how my RSU’s are calculated on W2? In box 14 of the W2 for. e.g. I see 10,000 as Other income. However, when I go to the shares which were vested in 2016, things are not adding up? If the 50 shares vest in June 2016, do I need to calculate the Market price of the share on the day that...
by FB01
Thu Sep 28, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Best Veggie Sandwich in South Bay Area
Replies: 4
Views: 350

Best Veggie Sandwich in South Bay Area

Hi,

I like Atlanta Bread Company's veggie sandwich which is in Atlanta. In South Bay area, can you guys recommend what place can I get the Best Veggie Sandwich apart from Ike's.

-JR
by FB01
Wed Aug 02, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Cheap notebook for surfing/watching videos
Replies: 18
Views: 1683

Cheap notebook for surfing/watching videos

Hi, I need to buy a notebook for my uncle who is 70 years old. He just surfs the web - limited websites and watches Youtube videos. He does not want to spend much and would like to get the cheap notebook that can do the above function. Any idea which is the cheapest notebook I should be getting for ...
by FB01
Mon Jul 31, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 410353

Re: What's Your Credit Card Rewards Strategy?

I just had an interesting experience with the Chase Ultimate Rewards travel portal. I needed to book a specific hotel for specific days in October. Booking through the Sheraton website offered a pre-paid, nonrefundable standard room rate of $164/night, or a refundable standard room rate for $184/ni...
by FB01
Tue Jul 18, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Software : Making b/w photograph color in certain areas
Replies: 3
Views: 343

Software : Making b/w photograph color in certain areas

Hi, I am interested in making a black and white photograph colored in certain places only..like only one person or some specific area..Which is the best free software I can do this. Adobe photoshop can do this but it is kind of costly? Does anyone know of any Free Software on iOS or on Mac which I d...
by FB01
Sun Jul 16, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: San Jose and San Francisco Trip
Replies: 24
Views: 1942

Re: San Jose and San Francisco Trip

Hi, I stay near San Jose and I would suggest stay in SF only. There is nothing much to see in San Jose. Being parent of elementary kids, I would suggest do rent a car as there is lot to see in SF itself. I am not sure how many days you are planning but below are key things I believe your kids would ...
by FB01
Wed Jul 12, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Rental Car - Which Credit Card to be used
Replies: 9
Views: 761

Rental Car - Which Credit Card to be used

Hi, I have booked Thrifty Rental car using some Ultimate Rewards points. However, Thrifty has policy that it will charge around $9 a day to add wife as additional driver. My whole trip is booked via UR points. However, in order to get the better insurance coverage which Credit card should I be charg...
by FB01
Fri Jul 07, 2017 11:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3054
Views: 901184

Re: What Movie Have You Recently Watched?

Hi,

Does Lion movie has any sex scene? I am planning to watch it my 7 year old kid. I read that there is some profanity but just want to confirm if there are some scenes, will avoid watching..

Any comment from who has seen?
by FB01
Wed Jul 05, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: UberX or UberXL??
Replies: 15
Views: 1597

Re: UberX or UberXL??

Usually XL is somewhat more expensive than X, but not that much more expensive. You can get fare estimates at either uber.com (scroll down until you get to the fare estimate), or from uberestimate.com. While the estimate will be as of now rather than as of when you go, it will give you some idea of...
by FB01
Tue Jul 04, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: UberX or UberXL??
Replies: 15
Views: 1597

Re: UberX or UberXL??

Yes, it will show the car type. If its too small, cancel quickly to avoid a charge. Can you explain what do you mean by cancelling quickly? I see there is $5 cancellation charge. So I book and see that car type is Prius...i can cancel immediately and won't be charged the $5 cancellation fee? Is tha...
by FB01
Tue Jul 04, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: UberX or UberXL??
Replies: 15
Views: 1597

Re: UberX or UberXL??

mmarreco wrote:You can't pick what car will take you so with that much luggage you need an UberXL. With UberX you can end up with a Prius or a Corolla which will not fit all your bags. It would not be a problem for the booster seats though.
Thanks..but does it show what is the car type when I book a ride?
by FB01
Tue Jul 04, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: UberX or UberXL??
Replies: 15
Views: 1597

UberX or UberXL??

Hi, I have never ordered Uber and will be doing so for the first time. I will be going to airport with 2 kids (age 7) so 2 booster seats. Plus will have 2 carry-on and 3/4 check-in luggage. UberX has Camry, Accord as car types and Prius as well. Not sure we will fit if we get Prius with all the lugg...
by FB01
Thu Jun 29, 2017 12:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 159
Views: 21996

Re: Vanguard upgraded my accounts - angry

Unfortunately, yes. They accidentally upgraded one of our accounts about a year ago, but the rest are still on the old platform. To exchange between that upgraded account and any other, we have to call them up each time. We have Inherited IRAs and one day they admitted they have to stay on the old ...
by FB01
Mon Jun 26, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Two days in Vancouver - Suggestion...
Replies: 20
Views: 1368

Re: Two days in Vancouver - Suggestion...

Hi, I have 2 days to spend in Vancouver as will be driving from Seattle with kids. On the 1st day morning, I am planning to go to Lynn Canyon Susp Bridge and not sure what to after that. 2nd day, I am planning to spend time at Stanley Park and not sure how long it is going to take. I was planning t...
by FB01
Mon Jun 26, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Two days in Vancouver - Suggestion...
Replies: 20
Views: 1368

Re: Two days in Vancouver - Suggestion...

jebmke wrote:The Museum of Anthropology at UBC is not to be missed.
Will a 8 year old kid enjoy this Museum?

-FB
by FB01
Sun Jun 25, 2017 10:04 pm
Forum: Personal Consumer Issues
Topic: Two days in Vancouver - Suggestion...
Replies: 20
Views: 1368

Re: Two days in Vancouver - Suggestion...

NotWhoYouThink wrote:Just got back today from a trip to Vancouver/Whistler/Victoria.

Loved Stanley Park. It's pricey, but whale watching tours around Vancouver could be fun in good weather.

Can you let me know what all you did in Stanley Park or in Vancouver particular?

-FB
by FB01
Sun Jun 25, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Two days in Vancouver - Suggestion...
Replies: 20
Views: 1368

Two days in Vancouver - Suggestion...

Hi, I have 2 days to spend in Vancouver as will be driving from Seattle with kids. On the 1st day morning, I am planning to go to Lynn Canyon Susp Bridge and not sure what to after that. 2nd day, I am planning to spend time at Stanley Park and not sure how long it is going to take. I was planning to...
by FB01
Sun Jun 25, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Where to stay/what to do in Seattle
Replies: 18
Views: 1602

Re: Where to stay/what to do in Seattle

We just got back from Seattle in April. We stayed at the StayPinapple Hotel, and it was within walking distance of everything we wanted to see, except the Fremont Troll and Gas Works Park. StayPinapple was one of the only affordable hotels we found downtown, and it has great service. We saw the Gre...
by FB01
Sat Jun 24, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Bay Area housing
Replies: 69
Views: 6755

Re: Bay Area housing

Unfortunately, I don't agree.

I am also in Bay area and we pressed the button a year ago. We were also thinking the same way and prices kept on increasing. You can never time the market. If you have money and like the house..go for it..don't wait
by FB01
Thu Jun 22, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Anyone with Medicare Part B and Extra help
Replies: 7
Views: 665

Re: Anyone with Medicare Part B and Extra help

dbr wrote:What is "Extra"?
Extra help is for people above 65 and not meeting the income limit so wanted to check if someone is having it. The medicare website does not clearly states the exact benefit of availing Extra help.
by FB01
Thu Jun 22, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Anyone with Medicare Part B and Extra help
Replies: 7
Views: 665

Anyone with Medicare Part B and Extra help

Hi,

Is anyone having Medicare Part B and Extra help? If yes, do you guys have to pay any monthly premiums/co-pays for the getting the medical help?

-FB
by FB01
Fri Jun 16, 2017 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: help with IRS letter charging for taxes on 2015 backdoor roth
Replies: 29
Views: 2953

Re: help with IRS letter charging for taxes on 2015 backdoor roth

Were you able to figure out what incorrect line item you filled or missed when you filled in Turbotax?
by FB01
Mon Jun 12, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Anyone enrolled in Part B of Medicare?
Replies: 25
Views: 1899

Re: Anyone enrolled in Part B of Medicare?

jebmke wrote:I'd suggest looking at the Medicare site

http://www.medicare.gov

This is a pretty good resource

I have looked but there are certain things which are not clear, hence asking. Let me know if you are enrolled.

-FB
by FB01
Mon Jun 12, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Anyone enrolled in Part B of Medicare?
Replies: 25
Views: 1899

Anyone enrolled in Part B of Medicare?

Hi,

Is anyone enrolled in Part B of Medicare (for above 65)?

If yes, you just pay monthly premium and everything else is covered? Can anyone who has Part B of Medicare explain how it works?

-FB
by FB01
Fri Jun 09, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Getting House loan when I am still paying my car loan
Replies: 4
Views: 549

Getting House loan when I am still paying my car loan

Hi, I bought the house and got the loan. Next I bought the car on loan. Paying both regularly. Now, if I need to sell my house for which I am still paying the loan and would like to buy a different house. Because of the existing car loan, is it difficult to get the house loan for 2nd house or it jus...
by FB01
Mon Jun 05, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Estimated Expense while Selling home
Replies: 7
Views: 656

Estimated Expense while Selling home

Hi, For e.g. I bought the house for 1 Million. I paid 200K as down payment and took loan for rest of 800K. Out of the loan I took, I have paid 50K (40K Principal and 10K Interest). Now, I am selling the house for 1.1 Million. (Increase of 100K in price value) Can anyone tell me how much money I will...
by FB01
Mon Jun 05, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Medi-Cal (for CA) equivalent in Texas
Replies: 5
Views: 788

Re: Medi-Cal (for CA) equivalent in Texas

toofache32 wrote:
FB01 wrote:Hi,

California has Medi-Cal which provides free Medical to Senior Citizens with GC and low income. Does Texas has similar thing?

-FB
What's GC?
GC = Green Card
by FB01
Sun Jun 04, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 410353

Re: What's Your Credit Card Rewards Strategy?

Date point: Just got another Barclay Arrival Plus card to use for Italy trip. Canceled my first BC A+ on 2/25/17 after having it for 9 months. I was not sure I was going to be approved after only having it closed for 3+ months. Have opened 14 cards in 15 months. But will Barclays award you the sign...
by FB01
Fri Jun 02, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Novice for Southwest Companion Pass - Questions
Replies: 11
Views: 969

Re: Novice for Southwest Companion Pass - Questions

Yes, math looks correct to me. Another fun point to add: if your wife has any unused SW points, she can book a ticket in your name, and then you can go to your account and add her as the companion. You can also change your companion 3x per calendar year, in case you want to make your kid your compa...
by FB01
Fri Jun 02, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Medi-Cal (for CA) equivalent in Texas
Replies: 5
Views: 788

Medi-Cal (for CA) equivalent in Texas

Hi,

California has Medi-Cal which provides free Medical to Senior Citizens with GC and low income. Does Texas has similar thing?

-FB
by FB01
Fri Jun 02, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Novice for Southwest Companion Pass - Questions
Replies: 11
Views: 969

Re: Novice for Southwest Companion Pass - Questions

Yes, math looks correct to me. Another fun point to add: if your wife has any unused SW points, she can book a ticket in your name, and then you can go to your account and add her as the companion. You can also change your companion 3x per calendar year, in case you want to make your kid your compa...
by FB01
Fri Jun 02, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Novice for Southwest Companion Pass - Questions
Replies: 11
Views: 969

Re: Novice for Southwest Companion Pass - Questions

My understanding is you need to spend 110k in a calendar year on the card to get companion. I don't think sign up points count towards that. This is wrong--credit card sign up bonuses DO count towards the 110k points needed in a calendar year to get the pass. FB01 -- With the 60k point offer, eithe...
by FB01
Fri Jun 02, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: Novice for Southwest Companion Pass - Questions
Replies: 11
Views: 969

Novice for Southwest Companion Pass - Questions

Hi all, My wife already has Chase Southwest card which se got couple of months ago and got 50K points. I got the Southwest Premier card yesterday for 60K points. Now me and my wife are on 4/24 for Chase card. For getting Companion pass, what is the best way? Should I apply for Plus card and get 60K ...
by FB01
Thu Jun 01, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 45
Views: 2962

Re: Changing Car Cabin Air Filter - after how much time

Hi, We do not drive much so yearly our car puts around 6K. We have Honda Odyssey and Camry. Car experts - do you guys recommend to change the Cabin Air Filter yearly even though I have no driven that much? Or should I wait till it reaches 10K. Any suggestions would be helpful? Thanks, Fb For the Ho...
by FB01
Thu Jun 01, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 45
Views: 2962

Changing Car Cabin Air Filter - after how much time

Hi,

We do not drive much so yearly our car puts around 6K. We have Honda Odyssey and Camry.

Car experts - do you guys recommend to change the Cabin Air Filter yearly even though I have no driven that much? Or should I wait till it reaches 10K.

Any suggestions would be helpful?

Thanks,
Fb