Search found 738 matches

by fareastwarriors
Thu Apr 28, 2016 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: I Bonds as tax refund: tracking down a missing one
Replies: 7
Views: 663

Re: I Bonds as tax refund: tracking down a missing one

I wonder if they changed something in their process this year. We received part of our refund (the larger denominations) on one day, but $500 was missing. After a week my wife called and was told to wait up to a month before filing a claim. Sure enough, the other bonds (the smaller denominations) a...
by fareastwarriors
Mon Apr 25, 2016 11:47 am
Forum: Personal Consumer Issues
Topic: I'm Addicted [to investing and personal finance]
Replies: 64
Views: 8401

Re: I'm Addicted [to investing and personal finance]

Addicted to investing and doing a residency? Are you the 2nd coming of Michael Burry?
by fareastwarriors
Sat Apr 23, 2016 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 357
Views: 49583

Re: Question for the Bogleheads Millionaires

It was never a question of if. It was always a question of when. By early college, I was basically following the tenets of Boglehead philosophy even without knowing about BH. I knew I was eventually going to get to a million even back then. Maybe growing in the Bay Area jaded me because even back in...
by fareastwarriors
Sat Apr 16, 2016 10:42 am
Forum: Personal Consumer Issues
Topic: Stub Hub High Fees - WOW
Replies: 29
Views: 2892

Re: Stub Hub High Fees - WOW

We have season tickets for an NBA team and have sold them on occasion through Stubhub. Their charge is 10%, and they send the proceeds quickly. We recently sold tickets for nine times the cost we paid, but it was for a Golden State game where they were closing in on the record. Earlier, we sold Lak...
by fareastwarriors
Fri Apr 15, 2016 5:23 pm
Forum: Personal Consumer Issues
Topic: Stub Hub High Fees - WOW
Replies: 29
Views: 2892

Re: Stub Hub High Fees - WOW

Yes the fees are high but you just have be okay with the "all-in" price.
The ticketing market needs more stronger competition.
by fareastwarriors
Fri Apr 15, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: My neighborhood is too quiet (and no kids)
Replies: 44
Views: 4622

Re: My neighborhood is too quiet (and no kids)

This kind of talk will get this thread closed.
by fareastwarriors
Wed Apr 13, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: How does margin work (for liquidity/loans)?
Replies: 15
Views: 1200

Re: How does margin work (for liquidity/loans)?

Margin loans can be an easy to use and inexpensive source of liquidity. Important that you don't draw very much, say 5-10% of portfolio market value, your portfolio needs to be diversified, and you should have other sources of funding in case of an unexpected margin call(very unlikely if you follow...
by fareastwarriors
Wed Apr 13, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: How does Billboard leasing work?
Replies: 10
Views: 2065

Re: How does Billboard leasing work?

Back several years ago, I was involved in some real estate work with a regional billboard company. When possible, they would simply purchase a small parcel of property (15' x 50') from a landowner for their signs in lieu of renting. These were typically signs mounted on a tall (~100') pedestal. I b...
by fareastwarriors
Tue Apr 12, 2016 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: How do you find more satisfaction while living below your means?
Replies: 52
Views: 4214

Re: How do you find more satisfaction while living below your means?

I live well-below my means. I also make a very small salary, but I'm working on increasing that through education right now. Anyways, I admittedly find myself envying material goods too often. For example, I love cars and spend probably more than average time thinking about them and making stupid s...
by fareastwarriors
Tue Apr 12, 2016 7:21 pm
Forum: Personal Consumer Issues
Topic: How does Billboard leasing work?
Replies: 10
Views: 2065

Re: How does Billboard leasing work?

Hi, I'm reviving an old thread. I'm interested in purchasing a rental property. There is a billboard at the edge of the lot. The street is a relatively busy with 2 lanes each way. The street is lined mostly with houses and a few small businesses. Would having a billboard on the lot affect the mortga...
by fareastwarriors
Mon Apr 11, 2016 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Commit to Lifelong Renting in Bay area?
Replies: 22
Views: 3335

Re: Commit to Lifelong Renting in Bay area?

How big is your rent-controlled apartment? Nothing wrong with renting for the long term in SF. If you marry later on and have kids, then your priorities will shift so you can move to a suburb or out of state later.
by fareastwarriors
Fri Apr 08, 2016 3:27 pm
Forum: Personal Consumer Issues
Topic: Buying a House - SF Bay Area [bayareabuyer]
Replies: 53
Views: 6778

Re: Buying a House - SF Bay Area [bayareabuyer]

I think the most important thing here is do you want to stay here long term. If yes, then just take the plunge and buy. If not, then keep renting and saving.
by fareastwarriors
Thu Mar 31, 2016 5:58 pm
Forum: Personal Consumer Issues
Topic: do you do airbnb ??
Replies: 64
Views: 4211

Re: do you do airbnb ??

I had nothing but positive experiences with well reviewed places. I stayed at many AirBNB places in NYC and one time in Seoul, S. Korea. All good.
by fareastwarriors
Wed Mar 30, 2016 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Lending Club (or other P2P) Experiences?
Replies: 23
Views: 1678

Re: Lending Club (or other P2P) Experiences?

I don't have any experience with P2P lending, at least the kind where you go online a make loans to people you don't even know. In my opinion, I don't think P2P lending is a very good deal. It is my understanding that these are unsecured loans. I don't think ten to twelve percent is enough return f...
by fareastwarriors
Wed Mar 30, 2016 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Can't waive fees any longer at Bank of America
Replies: 29
Views: 1634

Re: Can't waive fees any longer at Bank of America

I like the BofA set-up with all the linked accounts. Their preferred rewards (platinum honors) program is wonderful.
by fareastwarriors
Fri Mar 25, 2016 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 69
Views: 16776

Re: Liking the new Citi CC at Costco

It's not The best card for everything but it is still pretty darn good. I like it. :sharebeer
by fareastwarriors
Thu Mar 24, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: $184,000? How do you like your cell phone now?
Replies: 59
Views: 6063

Re: $184,000? How do you like your cell phone now?

Still love the cell phone. Although I'm a generation behind, I only have the 6+ and not the 6S+. I do everything on it. I barely use my laptop/TV anymore since I watch on my phone. It's great for GPS and looking up things on the run. I think it's worth every cent.
by fareastwarriors
Wed Mar 23, 2016 4:52 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 17897

Re: Tesla Model 3 anyone?

Is the rumored $35K price before or after the $7K tax break? $35k price is before incentives. However, the $7.5k federal tax credit is only for the first 200k US buyers. If you live in CA, you may also qualify for another $2.5k tax credit (up to $4k if you have lower household income but then why w...
by fareastwarriors
Tue Mar 22, 2016 4:21 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 17897

Re: Tesla Model 3 anyone?

I'm very tempted. Might have to do more research...
by fareastwarriors
Mon Mar 21, 2016 7:04 pm
Forum: Personal Consumer Issues
Topic: Discover Bank Not Paying Promised Bonus
Replies: 49
Views: 5542

Re: Discover Bank Not Paying Promised Bonus

It ended up being paid 3 weeks late, after a complaint to the Consumer Financial Protection Bureau. It was definitely not worth the effort, and if I knew they were going to be playing these games, I wouldn't have bothered. I'm definitely not looking at going after bank bonuses anymore. The Chase on...
by fareastwarriors
Mon Mar 21, 2016 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Is California income tax-friendly for early retirees?
Replies: 71
Views: 6076

Re: Is California income tax-friendly for early retirees?

I am amazed at those with low utility bills in CA. My water bill varies from $350 to high $600s every two months (despite extreme conservation). I also pay trash pick up of $60/month. Electric bill is about $300/month (I just spent 27k to go solar due to this). I live in coastal San Diego and rarel...
by fareastwarriors
Tue Mar 15, 2016 4:28 pm
Forum: Investing - Theory, News & General
Topic: How have your homes as investments done?
Replies: 154
Views: 11017

Re: How have your homes as investments done?

My investment property is doing great. I bought a 3-unit back in 2012. I'm cash flow positive and have good tenants. I paid $300k and could probably sell it for 550k+ now. My primary residence (home) is doing great too since the appreciation in the area has been nuts. I bought in late 2014 for 400k ...
by fareastwarriors
Tue Mar 15, 2016 4:22 pm
Forum: Personal Consumer Issues
Topic: Upping my mileage/points game
Replies: 72
Views: 6262

Re: Upping my mileage/points game

I'm planning to travel to Zanzibar, Tanzania in the summer. Should I get a new CC card for mileage? ... I don't travel too often - maybe once a year I go abroad and once/twice to NYC (from SF, CA). Unless you are really committed to being in premium cabins AND have date flexibility, just stick with...
by fareastwarriors
Tue Mar 15, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: Upping my mileage/points game
Replies: 72
Views: 6262

Re: Upping my mileage/points game

I'm planning to travel to Zanzibar, Tanzania in the summer. Should I get a new CC card for mileage? Right now I'm just using Citi DoubleCash and it's great since I have gotten 1000's of dollars back. I don't travel too often - maybe once a year I go abroad and once/twice to NYC (from SF, CA). I can ...
by fareastwarriors
Fri Mar 11, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: Is a 'Dream House' raffle worth it?
Replies: 19
Views: 4225

Re: Is a 'Dream House' raffle worth it?

How about those "free" dream home giveaways on HGTV? No raffles/no purchases, just online/mail entries.
by fareastwarriors
Thu Mar 10, 2016 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Property tax California
Replies: 11
Views: 1173

Re: Property tax California

I never used this before but there are resources out there.
http://www.boe.ca.gov/runner/seniors/
There might be some programs they would qualify for and get more exemptions. Check it out.

Honestly, they should consider downsizing, moving to a senior community, or out of state...
by fareastwarriors
Thu Mar 03, 2016 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ interactive tool: What income % are you?
Replies: 13
Views: 1937

Re: WSJ interactive tool: What income % are you?

Top 10 percentile in all categories.
yay!
:beer
by fareastwarriors
Wed Feb 24, 2016 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct 2015
Replies: 52
Views: 5784

Re: TaxAct 2015

TaxAct Online Version has been pretty frustrating to me. Interview mode keeps glitching and sending me back to the main page. I have had to go back through the interview mode and find my way back at least 20 times in the past day, making a 1-2 hour process take more than twice as long. If this is i...
by fareastwarriors
Tue Feb 23, 2016 8:49 pm
Forum: Personal Consumer Issues
Topic: Simplisafe simply not secure
Replies: 2
Views: 878

Re: Simplisafe simply not secure

Thanks for sharing. It would be interesting to see what Simplisafe will do if there's enough pressure from the customers. I hope they will address the issues head-on even if it means replacing their keypad and base station.... Here is their response thus far: http://simplisafe.com/blog/our-commitmen...
by fareastwarriors
Thu Feb 18, 2016 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: What happens to withholdings if I put 90% into 401k?
Replies: 9
Views: 1275

Re: What happens to withholdings if I put 90% into 401k?

During 2009, I did set my contributions to 100% and lived on my savings.... Too bad I was in college and was working part-time for $10/hr...
by fareastwarriors
Fri Feb 12, 2016 2:24 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 16915

Re: Banned from Home Depot Returns

I personally think it's not that huge of a deal. I bet the system works decently and helps them reduce fraud. Sometimes innocent people like Allan get caught up in it...Allan will fall off the red flag list eventually... As some have suggested, have a family member or friend help you return if you c...
by fareastwarriors
Tue Feb 09, 2016 6:07 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 16915

Re: Banned from Home Depot Returns

You can just wait it out. My brother is a contractor so he often make returns. After awhile he was blocked from returning stuff, but like a 3 or 4 months later or maybe the year rolled over and he was able to make returns again. He spends like $100k at Home Depot every year, is a ProRewards member, ...
by fareastwarriors
Tue Feb 02, 2016 11:46 am
Forum: Personal Consumer Issues
Topic: WSJ subscription, any deals?
Replies: 15
Views: 2013

Re: WSJ subscription, any deals?

This has been an eye opening thread for me, I gave up on the WSJ digital edition a long time ago when they raised their prices so much. But the prices presented here are so much more reasonable. The only "catch" that I noticed for the digital edition is that when you get a WSJ digital sub...
by fareastwarriors
Fri Jan 29, 2016 4:48 pm
Forum: Personal Consumer Issues
Topic: Rain, what rain?
Replies: 17
Views: 1524

Re: Rain, what rain?

The January miracle turned into the January fizzle. Only folks in California would understand. I am not in California and I don't understand. However, my pet peeve is that Californians have a tacky habit of introducing themselves as being from "sunny California." Perhaps, some rain will m...
by fareastwarriors
Wed Jan 27, 2016 6:35 pm
Forum: Personal Consumer Issues
Topic: Dinner Ideas
Replies: 57
Views: 5114

Re: Dinner Ideas

I normally make beef broth on the weekend and freeze it in many small containers. On a lazy night, I reheat the broth and meat. With noodles, veggies and this is what I get for less than 10 minutes. Healthy and taste good ( to me) https://s-media-cache-ak0.pinimg.com/736x/80/6d/74/806d748c4f5c6d303...
by fareastwarriors
Wed Jan 27, 2016 2:06 pm
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 131
Views: 7962

Re: perfectly happy with cable

I have Dish (with the regional sports package), Netflix, and Prime. I want to get Hulu+ too but I am holding back for now.

I think I watch way too much tv...
by fareastwarriors
Thu Jan 21, 2016 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus Federal + State - $15!!
Replies: 32
Views: 3515

Re: TaxAct Plus Federal + State - $15!!

Is this for new customers? Because I signed in and it says $14.99 for "TaxAct Plus" and that state is an additional $14.99. This ^ presented for me a couple of years ago. I logged in, emailed "Help" and asked to buy the special. And the special price was attached to my account. ...
by fareastwarriors
Wed Jan 20, 2016 5:10 pm
Forum: Personal Consumer Issues
Topic: New neighbor turning their house into vacation rental
Replies: 41
Views: 4804

Re: New neighbor turning their house into vacation rental

If it's semi-rural, then I expect there should be plenty of space between this house and other properties. It doesn't sound like too much of an issue to me.
by fareastwarriors
Fri Jan 15, 2016 7:39 pm
Forum: Personal Consumer Issues
Topic: Best place to live in CA for a young family
Replies: 82
Views: 6630

Re: Best place to live in CA for a young family

Come to Texas. Then take a vacation to CA every other month (or every month). It'd still be cheaper! :beer This. Having spent the first 23yrs of my life in California and then lived in Texas for a few years (now in Utah); I'd move back to Texas in a heartbeat, but it would take an act of God for me...
by fareastwarriors
Fri Jan 08, 2016 1:15 pm
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 6323

Re: Jackpot Now Estimated $700 Million, who's in?

I bought 1 ticket yesterday. :moneybag :moneybag :moneybag
by fareastwarriors
Wed Jan 06, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 185
Views: 15943

Re: Netflix, Your Current Favorite Show

Person of Interest.
by fareastwarriors
Wed Jan 06, 2016 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best 2% Back VISA/MASTER Card
Replies: 51
Views: 5008

Re: Best 2% Back VISA/MASTER Card

How does this 2.62% thing work Please see the link below for details. Basically, it is 3 tiers of escalating benefits as balance with BofA reaches a certain threshold. 20-50k for the lowest tier, 50-100k for mid, and 100+ for the highest reward level. Instead of me trying to re-hash everything, the...
by fareastwarriors
Tue Jan 05, 2016 8:53 pm
Forum: Personal Consumer Issues
Topic: How is Costco's gas so cheap? (15% cheaper in my area)
Replies: 59
Views: 5429

Re: How is Costco's gas so cheap? (15% cheaper in my area)

Just checked gasbuddy Costco has same price as the Arco/AMPM I go to....
by fareastwarriors
Tue Jan 05, 2016 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: How many streams of income do you have?
Replies: 60
Views: 6172

Re: How many streams of income do you have?

Main Job
Rentals - Triplex + half of SFH

Not really income yet:
Dividends from Taxable Investing
Interest on Savings (hey pennies count)
by fareastwarriors
Mon Dec 28, 2015 3:16 pm
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 153
Views: 17159

Re: The Big Short

I'm shocked that so many people loved it. I thought the movie sucked. My wife and I actually awakened thinking wtf did we waste our money on. I watched it yesterday with the gf. She didn't get most of the movie...even as I was trying to explain it to her during the movie. Personally I thought the m...
by fareastwarriors
Mon Dec 21, 2015 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: "Bonus" on AMEX Blue Cash and Blue Cash Preferred
Replies: 39
Views: 7178

Re: "Bonus" on AMEX Blue Cash and Blue Cash Preferred

For those with lower monthly grocery spending, the Sallie Mae Barclay Mastercard offers 5% on gas, groceries, bookstores (amazon has worked for this), and possibly more (that's all I use/care about). Unfortunately, it is not available to new applicants. Wow, did not realize that. I will have to sto...
by fareastwarriors
Thu Dec 17, 2015 1:30 pm
Forum: Personal Consumer Issues
Topic: WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?
Replies: 43
Views: 3431

Re: WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?

Read financial news online. Invest the money in index funds. :happy this. there are at least 3 websites with the same info and they are free. Which 3 free websites do you recommend? I read yahoo/finance mainly to watch the index, but there are a lot of spam fed articles to sort through. Here are a ...
by fareastwarriors
Thu Dec 10, 2015 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: San Francisco - Zero down jumbo mortgage
Replies: 11
Views: 1134

Re: San Francisco - Zero down jumbo mortgage

Carefreeap wrote:
fareastwarriors wrote:Too bad they don't offer this loan in Alameda county.


You can buy a home in any of the 9 Bay Area Counties including Alameda county but you have to work in either SF or SM county.


Yes, I see that now. Thanks. I should've checked it out more carefully before I posted.
by fareastwarriors
Thu Dec 10, 2015 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: San Francisco - Zero down jumbo mortgage
Replies: 11
Views: 1134

Re: San Francisco - Zero down jumbo mortgage

Too bad they don't offer this loan in Alameda county.

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