Search found 768 matches

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: 1450

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: 57
Views: 9583

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: 39
Views: 3739

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: 1955

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: 31
Views: 2480

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: 2233

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: 8948

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: 534
Views: 48888

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: 3349

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: 7918

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: 3200

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: 980

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: 5338

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: 1868

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: 534
Views: 48888

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: 31695

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: 5820

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: 2581

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: 5732

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: 5732

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: 5732

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: 3159

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: 10467

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: 408

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: 408

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: 1745

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: 7184

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...
by fareastwarriors
Sat May 14, 2016 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Muni bonds vs Muni bond fund
Replies: 7
Views: 785

Re: Muni bonds vs Muni bond fund

First question is why do you have an advisor at JP?
by fareastwarriors
Wed May 11, 2016 2:13 pm
Forum: Personal Consumer Issues
Topic: When is cash better than plastic?
Replies: 74
Views: 7184

Re: When is cash better than plastic?

for food and groceries in Chinatown!
by fareastwarriors
Mon May 09, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: Anyone have one of those standing desks?
Replies: 45
Views: 4857

Re: Anyone have one of those standing desks?

It seems like everyone like/love their standing desks. It makes sense.

But where are those slackers who like their chairs and poor posture? :twisted:
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: 801

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: 9300

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: 372
Views: 59189

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: 3568

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: 3568

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: 5114

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: 1478

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: 2644

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: 4974

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: 2644

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: 3494

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: 7132

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: 4885

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: 1926

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: 1839

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: 194
Views: 31695

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: 6554

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: 20330

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: 20330

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: 5944

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...

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