Search found 1204 matches

by fareastwarriors
Fri Jul 10, 2020 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: PPP and EIDL
Replies: 5
Views: 308

Re: PPP and EIDL

It should be a question on the PPP application. Therefore the lender should just calculate it out for you. But yes, the amount borrow able is supposed to be reduced by them risk. I did read many of your posts on the other PPP thread. Thanks for sharing your knowledge. So I was applying but then I s...
by fareastwarriors
Fri Jul 10, 2020 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: PPP and EIDL
Replies: 5
Views: 308

PPP and EIDL

Sorry it's another one. I'm just coming to around to applying for PPP. How do I determine the max of PPP I should request if I have an EIDL? For guidance I'm using: https://home.treasury.gov/system/files/136/How-to-Calculate-Loan-Amounts.pdf Here's background info. This is self-employed with no othe...
by fareastwarriors
Thu Jul 09, 2020 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Landlords: How are you doing this year?
Replies: 110
Views: 10527

Re: Landlords: How are you doing this year?

Hopefully not too off-topic, but I'm curious for those with 5+ properties how you ended up with that many? I'm assuming it's not previous places you've lived and decided to rent out. Are these properties in areas you're very familiar with and decided to purchase, or something invested in with other...
by fareastwarriors
Fri Jun 12, 2020 9:54 am
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 202
Views: 124109

Re: Banned from Home Depot Returns

Hi Everyone. I have run into an issue with Home Depot's return policy. Tuesday I attempted to return a drill set and buy a more expensive one and was denied. Home Depot uses a third party service called The Retail Equation (TRE) which uses an algorithm to flag "suspicious" returns. I made the origi...
by fareastwarriors
Wed Jun 03, 2020 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Help me stop losing my mind over California HSA?
Replies: 30
Views: 2174

Re: Help me stop losing my mind over California HSA?

I guess another question would be, how do you figure out the math on how to do the cost benefit of a higher growth fund and enjoying the special federal status, but eating the regular state status vs. parking bonds in there and missing out growth? And another fun thought, assuming I don't use the H...
by fareastwarriors
Tue May 26, 2020 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: How Will Corona Virus affect the Real Estate Market ?
Replies: 53
Views: 5834

Re: How Will Corona Virus affect the Real Estate Market ?

With tech companies announcing forever work-from-home policies and expanding in LCOL. I am considering selling my home in a HCOL and rent for a year or two as I am suspecting tech centered locations will be hit the hardest (think Silicon Valley). My friends who rents already have plans to move out ...
by fareastwarriors
Sat May 23, 2020 8:28 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime delayed shipping
Replies: 39
Views: 2906

Re: Amazon Prime delayed shipping

My estimated delivery dates have been longer as well but they still usually arrive earlier than what was said on the site. Most things are still arriving within 2-3 days even now. Our Amazon account is shared among 3 people and we ordered 144 items year to date. Maybe the warehouse around you is bac...
by fareastwarriors
Tue May 19, 2020 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: 1040-X (amended tax return) question
Replies: 7
Views: 395

Re: 1040-X (amended tax return) question

I sent in my 1040-X yesterday. I hope IRS gets through the backlog quickly...
by fareastwarriors
Mon May 18, 2020 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can I receive PUA ? Confused
Replies: 1
Views: 316

Re: Can I receive PUA ? Confused

Update your state employer site with the new income information, if you don't qualify for PUA, the PUA payment will stop automatically.

Everything is state specific.
by fareastwarriors
Mon May 18, 2020 11:03 am
Forum: Personal Consumer Issues
Topic: Will cash be obsolete in a new digital world?
Replies: 20
Views: 1066

Re: Will cash be obsolete in a new digital world?

Maybe it's just me but I like holding a fat stack of cash over just seeing the same amount on a screen.
:D
by fareastwarriors
Sun May 17, 2020 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: self-employed get UI ?
Replies: 9
Views: 614

Re: self-employed get UI ?

I can confirm for California one gets UI from state and $600 boost through end of July 2020.
by fareastwarriors
Sun May 10, 2020 11:42 am
Forum: Personal Consumer Issues
Topic: Kite Recommendations?
Replies: 6
Views: 525

Kite Recommendations?

Hi, I'm looking for kite recommendations. Should I just get something highly rated from Amazon and call it a day?

Maybe $30 budget. Is that too low?

This will be for playing in the park. No beach.
by fareastwarriors
Fri May 08, 2020 5:06 pm
Forum: Personal Consumer Issues
Topic: Amazon issues - cannot even cancel Prime really
Replies: 59
Views: 3845

Re: Amazon issues - cannot even cancel Prime really

125 orders Year-to-date
180 orders in 2019.

Clearly I'm using my Prime. Been binging on Bosch lately.

I used to deliver for Amazon. The work was fine. It wasn't worse than any other low paying job.
by fareastwarriors
Wed May 06, 2020 7:55 pm
Forum: Personal Consumer Issues
Topic: Netflix - New Way Of Throttling [DVDs]?
Replies: 65
Views: 9713

Re: Netflix - New Way Of Throttling [DVDs]?

Watch older movies?

Everyone wants to watch same things at same time...
by fareastwarriors
Mon May 04, 2020 1:19 pm
Forum: Personal Consumer Issues
Topic: Is a locking mailbox necessary or helpful, or more hassle than it's worth?
Replies: 43
Views: 2351

Re: Is a locking mailbox necessary or helpful, or more hassle than it's worth?

shell921 wrote:
Mon May 04, 2020 10:46 am
I have had the Armadillo locking mailbox since 2009 and I love it. Small packages fit.

https://www.youtube.com/watch?v=Ib6eVciCTS8

https://www.jaycomailboxes.com/resident ... enclosures

What I don't get is why are mailboxes so darn expensive.
by fareastwarriors
Wed Apr 29, 2020 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 33914

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Is the application for covid-related EIDL application still open? What's the link? Edit: I think I found my answer: Notice: Lapse in Appropriations SBA is unable to accept new applications at this time for the Economic Injury Disaster Loan (EIDL)-COVID-19 related assistance program (including EIDL A...
by fareastwarriors
Mon Apr 27, 2020 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle - delivery
Replies: 19
Views: 1749

Re: Side Hustle - delivery

Even pre-covid, $25/hr is doable but it is $25/hr 1099 earnings though... I did AmazonFlex and U/L pre-crisis. I grossed 20s-30s/hr and slightly more on bad weather days. It's not something I recommend though. The self-employment tax, expenses, and lack of benefits significantly lower the gross. You...
by fareastwarriors
Tue Apr 21, 2020 7:36 pm
Forum: Personal Consumer Issues
Topic: Which FREE streaming services don't have commercials?
Replies: 19
Views: 1373

Re: Which FREE streaming services don't have commercials?

jhsu802701 wrote:
Tue Apr 21, 2020 6:37 pm
Are there any services that at least avoid airing political commercials and COVID-19 public service announcements? I don't mind the usual ads for beer, insurance, cars, etc. and am willing to put up with them.
Shame on tech (and media) companies. They need to work on better ad targeting.
by fareastwarriors
Tue Apr 21, 2020 7:34 pm
Forum: Personal Consumer Issues
Topic: Which FREE streaming services don't have commercials?
Replies: 19
Views: 1373

Re: Which FREE streaming services don't have commercials?

HBO is free right now. Or just share an account with family member or close friend. To be more accurate: For April HBO is offering a selection of free shows and movies, but it's not everything. https://www.hbo.com/hbo-news/watch-hbo-free-no-subscription You're right. But it's a good selection quali...
by fareastwarriors
Tue Apr 21, 2020 5:25 pm
Forum: Personal Consumer Issues
Topic: Which FREE streaming services don't have commercials?
Replies: 19
Views: 1373

Re: Which FREE streaming services don't have commercials?

HBO is free right now.

Or just share an account with family member or close friend.
by fareastwarriors
Tue Apr 21, 2020 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody using a stock portfolio LOC?
Replies: 37
Views: 1632

Re: Anybody using a stock portfolio LOC?

I do not use collateralized portfolio loan but do have margin on my account.

I used it as down payment for my last house so I didn't even have to sell any securities. Worked out great.
by fareastwarriors
Mon Apr 20, 2020 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: PSA: Free weekly credit report
Replies: 8
Views: 989

Re: PSA: Free weekly credit report

Hayden wrote:
Mon Apr 20, 2020 11:09 am
I found this notice on annualcreditreport.com:

During these times of COVID-19, accessing your credit is important. That's why Equifax, Experian, and TransUnion are now offering free weekly online reports through April 2021.
Thank you.

I'll take a look for my family and me.
by fareastwarriors
Sat Apr 18, 2020 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: $1M home purchase - can we afford it?
Replies: 74
Views: 7001

Re: $1M home purchase - can we afford it?

You can afford it, but in your shoes I would wait 6 months to see where things shake out with the current recession. +1 +2 Wait and see a bit. Maybe there should be some discounts in 3-6 months and you'll get a better view on how your companies are doing. . You can afford it, comfortably. This boar...
by fareastwarriors
Sat Apr 18, 2020 2:50 pm
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8410

Re: Frugal quarantine habits to keep

None. Already frugal to begin with, almost too frugal.
by fareastwarriors
Wed Apr 15, 2020 11:30 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 358
Views: 28707

Re: [Government stimulus payments]

I received payment today. I bank with Chase.
by fareastwarriors
Wed Apr 15, 2020 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Home mortgage deferral with Wells Fargo
Replies: 37
Views: 4026

Re: Home mortgage deferral with Wells Fargo

Sub. Also interested to know. BTW, this is the physical letter from WF - https://imgur.com/a/q0KpBdC So this is not your letter? No. But I also applied and expecting a similar letter Okay, I see. I reason I ask is because I saw someone with a different version of the letter on another site. What's ...
by fareastwarriors
Tue Apr 14, 2020 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Home mortgage deferral with Wells Fargo
Replies: 37
Views: 4026

Re: Home mortgage deferral with Wells Fargo

Sub. Also interested to know. BTW, this is the physical letter from WF - https://imgur.com/a/q0KpBdC So this is not your letter? No. But I also applied and expecting a similar letter Okay, I see. I reason I ask is because I saw someone with a different version of the letter on another site.
by fareastwarriors
Tue Apr 14, 2020 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Delay mortgage payments under CARES Act
Replies: 73
Views: 4929

Re: Delay mortgage payments under CARES Act

Also, your credit score will probably drop even though there won't be missed/late payments reported. I believe this is because there will also not be on time payments reported yet there is still a balance. I understand that's missed payments won't be reported to credit report but what will the repo...
by fareastwarriors
Tue Apr 14, 2020 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Delay mortgage payments under CARES Act
Replies: 73
Views: 4929

Re: Delay mortgage payments under CARES Act

Don't you have to show that you have been affected personally by covid-19? Like a loss of income, or caring for someone infected? I am not sure, but I thought there are some conditions to be met before deciding not to pay your mortgage. Am I wrong? No, you just need to "claim" it. Forbearance does ...
by fareastwarriors
Tue Apr 14, 2020 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Delay mortgage payments under CARES Act
Replies: 73
Views: 4929

Re: Delay mortgage payments under CARES Act

Also, your credit score will probably drop even though there won't be missed/late payments reported. I believe this is because there will also not be on time payments reported yet there is still a balance. I understand that's missed payments won't be reported to credit report but what will the repo...
by fareastwarriors
Mon Apr 13, 2020 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 33914

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

It is $1k per employee ...just got this email Dear Applicant, On March 29, 2020, following the passage of the CARES Act, the SBA provided small business owners and non-profits impacted by COVID-19 with the opportunity to obtain up to a $10,000 Advance on their Economic Injury Disaster Loan (EIDL). ...
by fareastwarriors
Mon Apr 13, 2020 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Home mortgage deferral with Wells Fargo
Replies: 37
Views: 4026

Re: Home mortgage deferral with Wells Fargo

leokungkin wrote:
Wed Apr 08, 2020 1:12 pm
Sub. Also interested to know.
BTW, this is the physical letter from WF - https://imgur.com/a/q0KpBdC
So this is not your letter?
by fareastwarriors
Mon Apr 13, 2020 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Delay mortgage payments under CARES Act
Replies: 73
Views: 4929

Re: Delay mortgage payments under CARES Act

If you can comfortably afford to pay, I say keep paying. Why make things more complicated ?
by fareastwarriors
Mon Apr 13, 2020 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: How to find a side gig (web developer / programmer)?
Replies: 6
Views: 999

Re: How to find a side gig (web developer / programmer)?

Regarding upwork, you will be competing against $5/hour Indian and Russian programmers.. I've used it to get work done with some so-so success. As for finding actual work, I think walk before you run. First volunteer your skills to activities that interest you. Then when people see your good work t...
by fareastwarriors
Mon Apr 13, 2020 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Moving states to avoid capital gains taxes
Replies: 42
Views: 3808

Re: Moving states to avoid capital gains taxes

If you do plan to move for tax reasons, you need to really move. Sell/rent out your Ca house, rent/buy in your new state. Cut off all ties to Ca and establish new ties in new state. Why pay down mortgage? With your amount of assets, you can get some great relationships rates for a mortgage, probably...
by fareastwarriors
Sun Apr 12, 2020 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Unemployment vs. work at Amazon warehouse/CA
Replies: 84
Views: 5917

Re: Unemployment vs. work at Amazon warehouse/CA

The expanded unemployment only goes to the end of 2020 for now, and after that there will be millions looking for a job, especially if much of the service sector doesn't come back. So that's a reason to lock in a job now instead of unemployment. I thought the extra $600 was only for only up to 4 mo...
by fareastwarriors
Sun Apr 12, 2020 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Help for Landlords in the Stimulus Bills?
Replies: 198
Views: 13580

Re: Help for Landlords in the Stimulus Bills?

For EIDL, gross revenue = total rent collected? What should I put down as Cost of Goods Sold? All expenses? I just entered the same number for 'gross revenue' as 'revenue from all sources' I entered in our LLC's Form 1065 tax return (it has significant income from REIT ETF it owns besides rental in...
by fareastwarriors
Sun Apr 12, 2020 1:41 pm
Forum: Personal Consumer Issues
Topic: What Amazon Prime (free) movies y'd recommend ?
Replies: 78
Views: 6755

Re: What Amazon Prime (free) movies y'd recommend ?

Why you guys listing so many shows, not movies?
by fareastwarriors
Sun Apr 12, 2020 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Unemployment vs. work at Amazon warehouse/CA
Replies: 84
Views: 5917

Re: Unemployment vs. work at Amazon warehouse/CA

She should stay on unemployment.
by fareastwarriors
Fri Apr 10, 2020 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 358
Views: 28707

Re: just got my $1200 stimulus payment

Are there some Bogleheads out there for whom the checks will help you manage through a hardship? So far we just see the (expected, given the site demographic) use cases of vacation funds, savings/investing, and charitable giving. Definitely highlights the inefficiency in the recipient criteria from...
by fareastwarriors
Fri Apr 10, 2020 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Help for Landlords in the Stimulus Bills?
Replies: 198
Views: 13580

Re: Help for Landlords in the Stimulus Bills?

dave_k wrote:
Wed Apr 08, 2020 4:02 pm
Thanks, I'll look into it. I thought those were just loans. Calling it a "loan advance" that doesn't have to be repaid is confusing.
Did you apply for EIDL?
by fareastwarriors
Fri Apr 10, 2020 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: IRS's dedicated Coronavirus Tax Relief page
Replies: 14
Views: 1332

Re: IRS's dedicated Coronavirus Tax Relief page

My dad gets Social Security Disability. When I tried to e-file for him, TaxAct said he did not need to file. So I printed it, had him sign it, and sent it to IRS.

Should I help him sign up on the Non-Filer portal on the IRS site just in case? Or will be he okay?
by fareastwarriors
Fri Apr 10, 2020 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Is saving $19k/yr worth having roommates? (California Bay Area)
Replies: 71
Views: 5684

Re: Is saving $19k/yr worth having roommates? (California Bay Area)

This is pretty much what I was going to respond. In addition, if you are still single IMO renting is the way to go. If you aren't having any big roommate issues I would sit tight. Covid-19 isn't going to be around forever if that is the major reason you want a solo place. Covid-19 is the major reas...
by fareastwarriors
Fri Apr 10, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Is saving $19k/yr worth having roommates? (California Bay Area)
Replies: 71
Views: 5684

Re: Is saving $19k/yr worth having roommates? (California Bay Area)

Is this a personal finance question or lifestyle question?

What about your friends? Do any of them need a roommate?
by fareastwarriors
Fri Apr 10, 2020 10:55 am
Forum: Personal Finance (Not Investing)
Topic: COVID-19 EIDL Loan Status?
Replies: 11
Views: 848

Re: COVID-19 EIDL Loan Status?

lessismore22 wrote:
Fri Apr 10, 2020 8:48 am
I was on a call with our Governor and SOS yesterday where they stated EIDL payments should start hitting bank accounts next week.
Which state?