Search found 791 matches

by fareastwarriors
Wed Sep 28, 2016 11:43 am
Forum: Personal Finance (Not Investing)
Topic: TDBank promo just started easy $600
Replies: 98
Views: 12602

Re: TDBank promo just started easy $600

To date... Huntington $200 Northpointe $50 Discover (NEA) $50 First Federal $150, and another $150 for some reason. US Bank $125 Key Bank $200 Just opened Fifth Third ($200), Preferred CU ($125), and will open Chase 360 soon ($300). Probably will do the same for DW soon... Me: CapOne 360 $500 TD $3...
by fareastwarriors
Wed Sep 28, 2016 11:29 am
Forum: Personal Consumer Issues
Topic: Is a garbage disposal unit a good idea for a rental property?
Replies: 32
Views: 1539

Re: Is a garbage disposal unit a good idea for a rental property?

It's a higher end unit or lower? I wouldn't do it for a lower end property...People always use it incorrectly and jam everything into it. I fixed and replaced many. I learned my lesson. My unit is prob worth about $160K if sold. I would expect rent to be about $1200/month. This is in NE suburban ar...
by fareastwarriors
Wed Sep 28, 2016 11:21 am
Forum: Personal Consumer Issues
Topic: Is a garbage disposal unit a good idea for a rental property?
Replies: 32
Views: 1539

Re: Is a garbage disposal unit a good idea for a rental property?

It's a higher end unit or lower?

I wouldn't do it for a lower end property...People always use it incorrectly and jam everything into it. I fixed and replaced many. I learned my lesson.
by fareastwarriors
Fri Sep 23, 2016 12:44 pm
Forum: Personal Consumer Issues
Topic: How is your experience about buying home in SF bay area?
Replies: 18
Views: 2272

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

I'm always shocked when people say you don't get much for your money in the Bay Area. I bought my first home in Fremont in 2009. It was a 2 bed 1 bath 800 sqft house. I got a lot with my purchase. I was in one of the safest neighborhoods not only in the state but in the nation. Schools were rated 9...
by fareastwarriors
Fri Sep 23, 2016 12:41 pm
Forum: Personal Consumer Issues
Topic: How is your experience about buying home in SF bay area?
Replies: 18
Views: 2272

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

Thank you very much, everyone. All input was very interesting and informative. We are definitely thinking about moving out Bay area now, if we get a chance. I am getting tired of bay area's expensive cost of living, and competitive culture, though I love nature and my friends here. We may be able t...
by fareastwarriors
Tue Sep 20, 2016 12:06 pm
Forum: Personal Consumer Issues
Topic: Vacation bundling sites (Expedia, Priceline, etc)
Replies: 14
Views: 1226

Re: Vacation bundling sites (Expedia, Priceline, etc)

My family (kids) was traveling to the Dominican Republic. The airline I used didn't let us pick seats. I didn't realize it until I completed the transaction. When I called initially they told me they would get back to me and let me get seats together for my family. They didn't get back to me. I wen...
by fareastwarriors
Thu Sep 15, 2016 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant wants to leave on short notice. Can they?
Replies: 45
Views: 3240

Re: Tenant wants to leave on short notice. Can they?

If they have been good tenants, I'll let them leave and call it a day... Unless your area is not hot rental market, it should be rented fairly quickly. Even if they weren't great tenants, that's even better if they want to leave quickly. If you fight them to stay longer, they might do even more dama...
by fareastwarriors
Mon Sep 12, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11628

Re: Who is ready for iphone 7?

I wasn't going to upgrade to the iPhone 7 but since T mobile is essentially offering me $650 for my old iPhone 6+ to trade in, I cannot turn it down. 8-) This is huge and very good boglehead deal. I think everyone in this forum who currently owns a iphone 6 should jump on this deal and upgrade to i...
by fareastwarriors
Sun Sep 11, 2016 1:13 am
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11628

Re: Who is ready for iphone 7?

I wasn't going to upgrade to the iPhone 7 but since T mobile is essentially offering me $650 for my old iPhone 6+ to trade in, I cannot turn it down. 8-) This is huge and very good boglehead deal. I think everyone in this forum who currently owns a iphone 6 should jump on this deal and upgrade to i...
by fareastwarriors
Fri Sep 09, 2016 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed HELOC
Replies: 7
Views: 858

Re: Penfed HELOC

I have a HELOC with PenFed. The whole process took about 3 weeks. It went very smoothly.
by fareastwarriors
Fri Sep 09, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11628

Re: Who is ready for iphone 7?

My phone is always charging when I'm not working or in transit. Games/videos destroy battery life. My 6+ is less than a year old...
by fareastwarriors
Fri Sep 09, 2016 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Gas station - good business?
Replies: 69
Views: 5377

Re: Gas station - good business?

If gas station owners don't make money selling gas, then I wish they invest more money into retail side of the business. So many stations have these tiny retail areas. With just a few customers inside, we can barely move.
by fareastwarriors
Thu Sep 08, 2016 7:08 pm
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 8072

Re: Wells Fargo - Sent Unsolicited Credit Cards

[Post moved into here. --admin LadyGeek]

http://money.cnn.com/2016/09/08/investing/wells-fargo-created-phony-accounts-bank-fees/index.html?iid=hp-toplead-dom
employees signing up phony accounts...sounds like outright fraud to me...
by fareastwarriors
Thu Sep 08, 2016 2:33 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11628

Re: Who is ready for iphone 7?

My car has Bluetooth but I'm lazy to link it. :oops:
I just listen to the radio. :D

iPhone 6+ user.
by fareastwarriors
Thu Sep 08, 2016 12:30 pm
Forum: Personal Consumer Issues
Topic: How do you handle business cards from fleeting acquaintances?
Replies: 16
Views: 1498

Re: How do you handle business cards from fleeting acquaintances?

I use the cards for the full names/business names to find them on LinkedIn and call it a day.
by fareastwarriors
Wed Sep 07, 2016 2:15 pm
Forum: Personal Consumer Issues
Topic: Backup camera for 2016 Toyota Yaris
Replies: 7
Views: 592

Re: Backup camera for 2016 Toyota Yaris

The Yaris is a pretty small car already. Are sure you need a backup cam?

My bro got a cheap camera (less than $100) off Amazon and installed it himself. It seems to get the job done. He installed it for his commercial sized dump/hauling truck.
by fareastwarriors
Fri Sep 02, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Employer mistakes 100% for 0% contribution to TIAA-CREF
Replies: 24
Views: 2076

Re: Employer mistakes 100% for 0% contribution to TIAA-CREF

I'm surprised that 100% is even allowed in the first place. 100% probably breaks the software and gives convulsions to the HR people because they know that FICA and medicare taxes have to be paid, so they are thinking that 100% is impossible. Anyways, good luck with getting this fixed. You will see...
by fareastwarriors
Thu Sep 01, 2016 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 781
Views: 77120

Re: What's Your Credit Card Rewards Strategy?

lostdog wrote:We just have ONE credit card and use the 1.5% cash back. We pay it off every month.


Why not get a 2% cash back card for everything?
by fareastwarriors
Thu Sep 01, 2016 2:52 pm
Forum: Personal Consumer Issues
Topic: WSJ $99 for 6 months -- worth it?
Replies: 54
Views: 3222

Re: WSJ $99 for 6 months -- worth it?

LateStarter1975 wrote:
Good Listener wrote:I dropped my WSJ subscription about 3 years ago. It has had no effect on my life,


+1



What other newspapers do you guys read instead? I'm already reading WSJ, NYT, Bloomberg, and sometimes FT. I still run out of finance/business news to read. I typically don't read general news.
by fareastwarriors
Wed Aug 31, 2016 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Apple free index??
Replies: 26
Views: 2321

Re: Apple free index??

You could also try ESG/SRI type products. Vanguard has one. Vanguard FTSE Social Index Fund (VFTSX)
But Apple is the top holding...
by fareastwarriors
Wed Aug 31, 2016 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Apple free index??
Replies: 26
Views: 2321

Re: Apple free index??

Many companies which uses Foxconn or other similar type of companies to assemble their electronics...It will very hard to avoid all of them in an index. This probably won't make you feel better about this topic but I'm going to share anyways. A few of my family members worked in these kind of factor...
by fareastwarriors
Wed Aug 31, 2016 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Resigning from a job: best practices and advice?
Replies: 93
Views: 5836

Re: Resigning from a job: best practices and advice?

I know it's customary for to give a 2-weeks notice. But is it really enough time for the employer/team side? I work in a team of 4 total and we are really busy. If team member quits and give me us only 2 weeks, we would have to scramble and suffer for a long while before we can get a replacement.......
by fareastwarriors
Wed Aug 31, 2016 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Is Being a Private Banking Client Worth it?
Replies: 88
Views: 15479

Re: Is Being a Private Banking Client Worth it?

It is not surprising at all. You can usually get better deals if you do all the work yourself....
by fareastwarriors
Tue Aug 30, 2016 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Barrier to credit card warranty protection claim
Replies: 22
Views: 1597

Re: Barrier to credit card warranty protection claim

...... consumer item...one year mfg warranty......purchased in 2014 literally burned out a few months ago - loud popping noise and smoke started coming out of it during use. ..... ...... original purchase was under $30... Okay, just have to ask since no one else has. What was it? A toaster? Electri...
by fareastwarriors
Tue Aug 30, 2016 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is Being a Private Banking Client Worth it?
Replies: 88
Views: 15479

Re: Is Being a Private Banking Client Worth it?

A million dollars (or a few) is not real private banking anymore.
by fareastwarriors
Tue Aug 30, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: How Does Your money Make Money?
Replies: 43
Views: 5081

Re: How Does Your money Make Money?

Hello everyone, As I am still relatively young at 29 y.o., and getting well into my career, I have been looking more into trying to get my money to "work for me" as they say. I am talking non-retirement after tax money. I know that a lot of the wealthiest people in the world make their mo...
by fareastwarriors
Mon Aug 29, 2016 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: B&M banking - heading the way of record stores, what to do
Replies: 43
Views: 2159

Re: B&M banking - heading the way of record stores, what to do

I enjoy going to my local branch of BofA once in a while. All very pleasant people. I don't go more often is because the line is always long....
by fareastwarriors
Fri Aug 26, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11628

Re: Who is ready for iphone 7?

I'm ready. This time I will splurge a bit and get more GBs of storage.

Budget is probably <$1,000 (ouch!).

I have the 6+ now.
:)
by fareastwarriors
Fri Aug 26, 2016 11:32 am
Forum: Personal Consumer Issues
Topic: Gas Savings?
Replies: 23
Views: 2366

Re: Gas Savings?

Continuing doing what you're doing but buy Shell gift cards with your 5% (6%) cash back on groceries credit card. The gift cards count as the cash price so you wouldn't need to pay the credit surcharge at the Shell station. If you have Costco nearby, then go to Costco instead and use the 4% (5%) cas...
by fareastwarriors
Thu Aug 25, 2016 2:52 pm
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 142
Views: 9565

Re: Favorite Restaurant Stop on Road Trips

I'm honestly shocked that there are so many votes for Chik Fil A. Who puts a bread and butter pickle on a fried chicken sandwich? I know you can pick it off, but that is just downright suspicious behavior. I went to a Chik Fil A because others recommended it. I was not impressed. It is just chicken...
by fareastwarriors
Wed Aug 24, 2016 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 781
Views: 77120

Re: What's Your Credit Card Rewards Strategy?

I'm a rookie here ~ Can I easily transfer my UR points to another person?
by fareastwarriors
Tue Aug 23, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Did you use Real Estate to build wealth?
Replies: 45
Views: 3610

Re: Did you use Real Estate to build wealth?

I will admit I get tired of reading articles about real estate as the only great avenue to reaching wealth and financial independence. We are in our early 40s and I think pretty far ahead of the game. The only real estate in our portfolio is our home. We went the route of college educated, good car...
by fareastwarriors
Tue Aug 23, 2016 4:21 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 144
Views: 8363

Re: Are you on Facebook?

I guess you guys aren't sending snaps...
by fareastwarriors
Mon Aug 22, 2016 3:14 pm
Forum: Personal Consumer Issues
Topic: Favorite Asian Vacation?
Replies: 37
Views: 3615

Re: Favorite Asian Vacation?

Why not S. Korea? I enjoyed my time there a lot.
by fareastwarriors
Fri Jul 15, 2016 6:36 pm
Forum: Personal Consumer Issues
Topic: Starwood points (looking for best use)
Replies: 15
Views: 1015

Re: Starwood points (looking for best use)

ugaDAWGS09 wrote:I would love to go to France or Rome, but with all the attacks going on it's hard to convince my wife to go overseas.


It's a big world.
by fareastwarriors
Fri Jul 15, 2016 5:46 pm
Forum: Personal Consumer Issues
Topic: Do you tip Uber drivers?
Replies: 49
Views: 5477

Re: Do you tip Uber drivers?

No in the SF Bay Area.
by fareastwarriors
Fri Jul 15, 2016 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Township wants me to pay business tax on my rental property income. Are they right?
Replies: 15
Views: 1912

Re: Township wants me to pay business tax on my rental property income. Are they right?

Never heard of this business tax on rental property till now. Should mention it in any "Should I sell or rent" posts here going forward. I pay a business tax on rentals in Oakland, Ca. The tax is based on annual gross rental income at a rate of $13.95 per $1,000 of gross rental income. I ...
by fareastwarriors
Wed Jul 06, 2016 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 781
Views: 77120

Re: What's Your Credit Card Rewards Strategy?

I have never lost my wallet in 22 years carrying cards either - but had mine stolen a year ago, with 5 cards in it. All of which were used before I got a chance to report them stolen. This was not a fun process, though it didn't cost me anything in the end. How do you mark the cards with rotating c...
by fareastwarriors
Wed Jul 06, 2016 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 194
Views: 32127

Re: Liking the new Citi CC at Costco

Applied and was approved 2 weeks ago and stil have not received my card. I called citi twice to see if it was mailed and was on hold forever and disconnected. Hopefully it gets better. I have some big household purchases to put on it, but it is amazing they didn't have a card in my hands in 3-4 day...
by fareastwarriors
Wed Jul 06, 2016 3:28 pm
Forum: Personal Consumer Issues
Topic: Costco Tires - Anyone ever frustrated?
Replies: 86
Views: 6098

Re: Costco Tires - Anyone ever frustrated?

The Costco's in my area are really busy. I usually expect at least 2 hours wait. Often times I go when they just open and the wait is only an hour or so.
by fareastwarriors
Wed Jun 29, 2016 12:53 pm
Forum: Investing - Theory, News & General
Topic: Lending Club
Replies: 32
Views: 2610

Re: Lending Club

If I could consistently get a sub 10% rate with minimal points and for a larger amount (limit is 40k?), I would use it to expand my real estate holdings. But the problem is origination fees..

I need something cheaper than hard money loans. I keep getting quoted for 10% and 2 points...
by fareastwarriors
Fri Jun 10, 2016 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Are Rentals As Bad As Some Make Them Out To Be?
Replies: 66
Views: 5819

Re: Are Rentals As Bad As Some Make Them Out To Be?

I think if your area is good for cash flow but not good for appreciation, then you need to have more than one or two units. You probably should aim to have 5/10/15/+ units to make it worthwhile.
by fareastwarriors
Thu Jun 09, 2016 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Are Rentals As Bad As Some Make Them Out To Be?
Replies: 66
Views: 5819

Re: Are Rentals As Bad As Some Make Them Out To Be?

The cashflow from rentals allows me to max out my investments and still have money to live a regular life. ^ +1. The utility of the cash-flow is worth mentioning. In our case, the rental allows the DW to stay home with the kid while we simultaneously save 30% gross. It's a hugely positive impact on...
by fareastwarriors
Thu Jun 09, 2016 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Are Rentals As Bad As Some Make Them Out To Be?
Replies: 66
Views: 5819

Re: Are Rentals As Bad As Some Make Them Out To Be?

Oh man! Love this! The perennial stock vs. rental debate.

I do both. I max my 401k/IRA and have some for taxable investing. I'm managing 4 units now and I'm updating another 3 units. The cashflow from rentals allows me to max out my investments and still have money to live a regular life.
by fareastwarriors
Tue Jun 07, 2016 10:48 am
Forum: Personal Consumer Issues
Topic: CostCo Citi card arrived. But we didn't apply for it.
Replies: 31
Views: 3208

Re: CostCo Citi card arrived. But we didn't apply for it.

Da5id wrote:
pochax wrote:if i didn't have the costco amex before, can i apply for the costco Citibank visa yet? i can't find any websites that allow me to apply.


Same boat. Guy at Costco service desk told me not until after the roll-out date.



Thanks, I'm waiting to apply for the new card.
by fareastwarriors
Fri May 27, 2016 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Is Real Estate Market going crazy again?
Replies: 101
Views: 10639

Re: Is Real Estate Market going crazy again?

At least most buyers these days are buying with Large down payments or outright cash.
by fareastwarriors
Mon May 23, 2016 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Borrowing on investment real estate
Replies: 5
Views: 417

Re: Borrowing on investment real estate

I'd also like to know this. I have three properties worth $40-$60k each that may be too low in value to make it worth a bank's time. Is there a way to access that equity in an entire portfolio instead of per house? (Sorry if this is off-topic) You should look into a portfolio loan from a smaller ba...
by fareastwarriors
Mon May 23, 2016 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Borrowing on investment real estate
Replies: 5
Views: 417

Re: Borrowing on investment real estate

First thing I can think of is a cash out refi.
by fareastwarriors
Fri May 20, 2016 12:12 pm
Forum: Personal Consumer Issues
Topic: Food waste because of date labeling
Replies: 26
Views: 1763

Re: Food waste because of date labeling

I always go by the smell and taste test. I haven't gotten sick yet.
Yes, as a country we waste a lot of food.
by fareastwarriors
Wed May 18, 2016 2:15 pm
Forum: Personal Consumer Issues
Topic: When is cash better than plastic?
Replies: 74
Views: 7247

Re: When is cash better than plastic?

After an earthquake or any other situation when there is temporarily no electricity. Back in the day we used to process credit cards with those clunky gadgets with the sliding thingy that you'd put the carbon slips in. Don't know what they're actually called. I used to just call them "ca-chunk...

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