Search found 410 matches

by FB01
Fri Apr 21, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 216
Views: 28927

Re: Chase Sapphire Reserve

I was planning on using the 100000 points and then cancelling next year after getting my $300 free travel credit. However, the more I look at the benefits, the more I really like this card. I woke up this morning and saw my car had a flat tire. Free roadside assistance with the card! So did they co...
by FB01
Fri Apr 21, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: No Stress Chess board game for 7 year old
Replies: 12
Views: 810

No Stress Chess board game for 7 year old

Hi,

I am planning to teach my 7 seven year chess. Is "No Stress Chess" good game to start teaching chess to kid or is there anything better?

Thanks,
FB
by FB01
Mon Apr 10, 2017 10:26 pm
Forum: Personal Consumer Issues
Topic: Trip Ideas - San Francisco & Northern CA
Replies: 31
Views: 2043

Re: Trip Ideas - San Francisco & Northern CA

Lake Tahoe is also pretty awesome place in Summer.....
by FB01
Tue Mar 14, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Regarding Wells Fargo $250 promo
Replies: 6
Views: 453

Re: Regarding Wells Fargo $250 promo

FYI.. This is what the email said. I applied last week only. ---- Status: Your application has been approved, and your new account is eligible to receive a bonus offer. For more details, see the Bonus Offer Disclosure and Additional Requirements. Next Steps: Please sign, date and return the Consumer...
by FB01
Tue Mar 14, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Regarding Wells Fargo $250 promo
Replies: 6
Views: 453

Regarding Wells Fargo $250 promo

Hi, I filled in the WF online application and it got approved. However, I have 2 questions? 1) They have sent me a Consumer Application form where I need to again fill the SSN details and mail it to them? Is it required even though my application is approved and I gave all the required details onlin...
by FB01
Mon Mar 13, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Walkie-Talkie for 8-9 year old kids
Replies: 13
Views: 769

Re: Walkie-Talkie for 8-9 year old kids

https://www.walkietalkiecentral.com/walkie-talkie-privacy-codes/ Explains privacy codes. I'm a bit confused though, you mentioned "good range" and "talk from where ever they are in the house". If they're only using them in the house (i.e. basement to upstairs) then anything will...
by FB01
Mon Mar 13, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: Walkie-Talkie for 8-9 year old kids
Replies: 13
Views: 769

Re: Walkie-Talkie for 8-9 year old kids

Hi, I am planning to get Walkie-Talkie for my 8 years old kids. I got one Walkie Talkie but it was having lot of channels and were able to hear other people voices which I do not prefer. I just want good Walkie-Talkie with good amount of range where my 2 kids can talk from where ever they are in th...
by FB01
Mon Mar 13, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Carrying case of Bose Sound Link Mini II
Replies: 2
Views: 194

Carrying case of Bose Sound Link Mini II

Hi, I have the Bose Sound Link Mini II. The carrying case which Bose sells is $44.95. Is this worth it or if anyone of you have other reliable carrying case which I can buy https://www.bose.com/en_us/products/speakers/speaker_accessories/soundlink-mini-bluetooth-speaker-travel-bag.html#v=soundlink_m...
by FB01
Mon Mar 13, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Walkie-Talkie for 8-9 year old kids
Replies: 13
Views: 769

Walkie-Talkie for 8-9 year old kids

Hi, I am planning to get Walkie-Talkie for my 8 years old kids. I got one Walkie Talkie but it was having lot of channels and were able to hear other people voices which I do not prefer. I just want good Walkie-Talkie with good amount of range where my 2 kids can talk from where ever they are in the...
by FB01
Tue Mar 07, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Any Car experts - Honda Odyssey question
Replies: 22
Views: 1489

Any Car experts - Honda Odyssey question

Hi,

I bought a new Honda Odyssey a year back and I have kind of driven 4000 miles. The oil change indicator says 50% to go.

What an car expert recommends? Should I go ahead and change the oil or go for yearly service even though it is not 5K miles?

Thanks,
FB
by FB01
Mon Mar 06, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Roth or Traditional for wife who is not working
Replies: 9
Views: 412

Roth or Traditional for wife who is not working

Hi, So I am in 25% tax bracket and my wife does not work. I have been doing Roth IRA contribution for me and my wife every year. I had a discussion with one of my friend and he said that it would be better if I do Traditional IRA for my wife instead of Roth IRA - this will help me save money on taxe...
by FB01
Wed Mar 01, 2017 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Store Important Documents Online?
Replies: 51
Views: 2468

Re: Store Important Documents Online?

Do you guys use these methods for storing your tax returns as well? Would like to scan copies of our tax returns for back-up but not sure what the safest method would be. I keep all my final returns in an encrypted file which is stored on my Google Drive. How to encrypt a file and then store in Goo...
by FB01
Fri Feb 17, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Anyone using AT&T Mobile Share Advantage Plan
Replies: 5
Views: 525

Anyone using AT&T Mobile Share Advantage Plan

Hi, So I am currently on old plan of ATT where I am paying 60 bucks plus tax for 450 Rollover minutes + 300 MB of Data plan. If I go beyond 300 MB of data plan, I will get charged additionally 20 bucks. This is just for 1 line. I just came to know about AT&T Mobile Share Advantage plan where for...
by FB01
Thu Feb 09, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1439
Views: 207674

Re: What's Your Credit Card Rewards Strategy?

I've never flown Southwest before, but just learned they are my best bet for flights between IAD and ATL. I'll be making several of those flights over the coming year. Going to look into their points program. Any tips for saving or earning with them, is appreciated. 1) The Chase Sapphire Reserve is...
by FB01
Tue Feb 07, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage or 529
Replies: 5
Views: 615

Mortgage or 529

Hi, I first contribute to 401K and also to my Roth IRA. Now I have 800,000 mortgage with 3.25%. So If I have for e.g $200 extra money I contribute to 529. Both my kids are 7 years old. Does it make sense to contribute that $200 to mortgage and not contribute to 529 or would you guys recommend me to ...
by FB01
Tue Feb 07, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve - reg 300 travel credit
Replies: 5
Views: 702

Chase Sapphire Reserve - reg 300 travel credit

Hello, So I got the Chase Sapphire card and booked hotel reservation for summer. My credit card has been charged $400. Now, do I need to call the Customer Service to get the $300 travel credit or will I automatically get the credit in my next cycle? Can anyone who got the credit help answer my quest...
by FB01
Wed Feb 01, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Contributed to Roth IRA : Now want to do Backdoor
Replies: 3
Views: 299

Contributed to Roth IRA : Now want to do Backdoor

Hi, So for this year, by mistake I just simply contributed to to ROthi IRA. Bought Mutual Funds with $11000. Now, how do I go about doing Backdoor IRA. Should I sell those when market is down - then move to Brokerage account of Traditional...Not sure what needs to be done.. am confused. Any help is ...
by FB01
Mon Jan 30, 2017 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA income question limit - how it is derived
Replies: 7
Views: 623

Re: Roth IRA income question limit - how it is derived

MAGI for Roth IRA purposes starts with AGI and makes modifications. See Worksheet 2-1 from IRS Pub 590A Modified Adjusted Gross Income for Roth IRA purposes: http://www.your-roth-ira.com/support-files/worksheet-2-1.pdf Property tax, mortgage interest, charitable donations and other itemized deducti...
by FB01
Mon Jan 30, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA income question limit - how it is derived
Replies: 7
Views: 623

Roth IRA income question limit - how it is derived

Hi, Roth IRA income limit - married filling jointly for 2017 is 196K. Have quick question how 196K is derived W2 +(add) RSU's +(add) Capital Gain +(add) Interest Income +(add) Bonus -(minus) 401K contribution -(minus) Property Tax -(minus) Mortage Interest = Should be less than 196K Is my understand...
by FB01
Mon Jan 16, 2017 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Should I pay off my mortgage?
Replies: 22
Views: 2041

Re: Should I pay off my mortgage?

I am also in the same boat.

For now, I have not touched my investment but I am trying to put additional money towards principal every month. By doing this, I am have stopped investing in taxable for now (apart for Roth IRA and 401k).

My interest rate is 3.25%.

- FB
by FB01
Wed Jan 11, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 216
Views: 28927

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: 197

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: 216
Views: 28927

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: 2108

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: 905

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: 3068

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: 1353

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: 2252

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: 1864

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: 1864

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: 578

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: 1532

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: 1532

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: 1867

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: 1346

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: 1346

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: 848

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: 848

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: 434

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: 384

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: 2727

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: 384

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: 2320

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: 2210

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: 2210

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: 1535

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: 1535

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: 1535

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: 1535

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: 5611

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,

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