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by fareastwarriors
Sat Nov 17, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: My experience with iPhone6s battery replacement
Replies: 30
Views: 2286

Re: My experience with iPhone6s battery replacement

I replaced the battery on my 6+ last week. It took about 3 hours. Not bad but still too long.

The store was super busy.
by fareastwarriors
Fri Nov 16, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 329
Views: 20906

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Cap gain in 2016 for FUAMX was 0.075/10.67share price, = 0.703% capital gain for that year (2016), that doesn't seem so bad. Sure, 0 would be better, but that expense ratio's about as low as they come, about 1/5th the ishares ones I was looking at. Yes, in terms of costs, the capital gains for thes...
by fareastwarriors
Fri Nov 16, 2018 1:14 am
Forum: Personal Finance (Not Investing)
Topic: How Long / Hard To Become a Millionaire on Under $100k Income
Replies: 131
Views: 10447

Re: How Long / Hard To Become a Millionaire on Under $100k Income

By the way, the hardest I ever worked was when I was earning minimum wage. I worked many many hours for $6 an hour. Several of my co-workers worked three jobs. They will never be millionaires. For some, that was destined from literally before they were born due to their country of birth and their p...
by fareastwarriors
Mon Nov 12, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 6603

Re: Best deals to buy iphones

Also I also just saw that the iphone XR can't be bought unlocked? So how am I supposed to do if I buy it with one of the carrier on the apple store and then want to switch carrier? For example, if I'm currently using my android phone with T-mobile. Now I want to buy a new iphone XR and benefit from...
by fareastwarriors
Mon Nov 12, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth it to rent our house?
Replies: 12
Views: 998

Re: Is it worth it to rent our house?

Agree with others.

2 years, no appreciation?
Rent won't cover all costs?
Yes, sell and move on with your life.
by fareastwarriors
Mon Oct 29, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 107
Views: 10722

Re: $34k Volt vs $54k Model 3?--help me decide??

dsmclone wrote:
Mon Oct 29, 2018 2:20 pm
I really wish people would quit calling the Model 3 an M3.


I drive a M3, a Mazda 3.
:D
by fareastwarriors
Tue Oct 09, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Meat Grinder recommendation?
Replies: 11
Views: 1058

Re: Meat Grinder recommendation?

Does she already have a food processor or a good blender? Those might be worth a try. If she is not making sausage and is just filling dumplings, either one could work. The consistency won't be quite the same as a meat grinder, although with a good food processor and some practice, you can get real...
by fareastwarriors
Mon Oct 08, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: Meat Grinder recommendation?
Replies: 11
Views: 1058

Re: Meat Grinder recommendation?

Thanks everyone. I'll check out some the the recommendations. She will grind pork mostly to make wontons and dumplings. I doubt she will use it that frequently, maybe a dozen or so times a year. I bought a meat grinder from Goodwill years ago for like $20 bucks and that lasted years until it died li...
by fareastwarriors
Fri Oct 05, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Meat Grinder recommendation?
Replies: 11
Views: 1058

Meat Grinder recommendation?

Hi, I'm looking to get a meat grinder for my mom. It doesn't need to be heavy duty since she's grinding a few pounds at a time to make dumplings/wontons. :) Do you have recommendations? Some basic requirements: -easy to use -easy to clean -under $100 (is that too low?) -not going to be making sausag...
by fareastwarriors
Thu Oct 04, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3012
Views: 590888

Re: What's Your Credit Card Rewards Strategy?

I'm not a pro in this CC churning game, but if I apply for Chase IHG or CitiCards TY card, can I buy a grocery GC of a few hundred and count it as spending for the bonus purposes? I think AmEx is picky which GC count toward spending, but not sure about Citi and Chase. Just to be clear, I don't inte...
by fareastwarriors
Thu Oct 04, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime/Whole Foods/AMEX Blue Cash Preferred dilemma
Replies: 26
Views: 2216

Re: Amazon Prime/Whole Foods/AMEX Blue Cash Preferred dilemma

$200 is an awful sign up bonus for a card with a $95 annual fee... I think 4.4% is pretty good. What do you recommend for grocery spend? It’s 4.4% if you spend exactly $6000. It is worse if you spend more or less than $6000. I just don’t like having a $95 annual fee that I use at only 1 place and I...
by fareastwarriors
Thu Oct 04, 2018 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime/Whole Foods/AMEX Blue Cash Preferred dilemma
Replies: 26
Views: 2216

Re: Amazon Prime/Whole Foods/AMEX Blue Cash Preferred dilemma

You can use you BCP to buy Amazon gift cards to maximize your 6% cashback and then use your Prime Store card for your Amazon/Whole Foods purchases. I like this idea. Now I'm assuming I'd have to buy these gift cards in the grocery store so that it counts as a 'grocery store purchase', correct? Yes ...
by fareastwarriors
Thu Oct 04, 2018 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime/Whole Foods/AMEX Blue Cash Preferred dilemma
Replies: 26
Views: 2216

Re: Amazon Prime/Whole Foods/AMEX Blue Cash Preferred dilemma

Personally I think the AMEX BCP is a garbage card. The absolute best you can do is 4.4% cash back on groceries if you spend exactly $6000/yr after subtracting the $95 annual fee. Too much work for too little reward. Of course this is what AMEX wants. Conveniently ignoring the $200 sign up bonus. $2...
by fareastwarriors
Wed Oct 03, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime/Whole Foods/AMEX Blue Cash Preferred dilemma
Replies: 26
Views: 2216

Re: Amazon Prime/Whole Foods/AMEX Blue Cash Preferred dilemma

You can use you BCP to buy Amazon gift cards to maximize your 6% cashback and then use your Prime Store card for your Amazon/Whole Foods purchases.
by fareastwarriors
Sat Sep 15, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 36
Views: 2624

Re: Solar Install w/ SolarCity

Thanks for sharing. Could you separate the panel cost from the Powerwall cost?
by fareastwarriors
Fri Sep 14, 2018 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 99
Views: 10329

Re: Side Hustle Options/Suggestions.

For guaranteed no cost income I would focus on churning bank account bonuses, brokerage account bonuses, and credit cards. For someone who hasn’t done anything yet you should be able to make $10k-$20k over 2 years if you take it seriously. Please teach me.... Only issue is my company is small, no H...
by fareastwarriors
Thu Sep 13, 2018 11:40 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 4007

Re: Is home alarm monitoring worth it?

Having the signs and decals can be good deterrent. You at least get to know the home was robbed even if the police arrives too late. I rather know right away then to find out when I get home...


I use Simplisafe. :)
by fareastwarriors
Fri Sep 07, 2018 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 306
Views: 40596

Re: Low-earners- What is your profession?

In the spirit of the thread, I suppose I’m a low-earner in a low-earner household. But I’m happy with what I do and where I am, (with the caveat that of course I’d like to be paid more, lol). Me - 55,918/yr gross Husband- 24k/gross (fluctuates based on hours). I’m a civilian in a County LE agency c...
by fareastwarriors
Thu Sep 06, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: How much to spend on rent in high COL area?
Replies: 15
Views: 1589

Re: How much to spend on rent in high COL area?

You'll be fine at 200k+ in annual income...No sweat.
by fareastwarriors
Mon Sep 03, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5245

Re: $200 cash bonus offer from Citi

Lots of good advice posted already regarding these checking/savings bonuses.

At a minimum, definitely do the Chase deals and Discover. Easy :moneybag
by fareastwarriors
Thu Aug 09, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 74
Views: 7419

Re: When is leaving your job that pays well a good idea?

Part of the problem I think is the meme that started going around about "find your passion" and "love your job and you'll never work a day in your life" and all of that. Young people seem to think that's the norm, rather than the great exception. If their job isn't constantly challenging and entert...
by fareastwarriors
Sun May 13, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 469
Views: 103039

Re: Bank of America/Merrill Edge - Preferred Rewards

I posted before about asking BoA for a small safe deposit box (which I should get free as I am Platinum Honors). I tried 3-4 branches, but they all said they had none available. A little frustrating. I don't have status at another bank to get a free box. I did get callbacks from almost all branches...
by fareastwarriors
Tue Dec 12, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 48
Views: 8626

Re: best cashback credit card ?

I dropped mine when earlier this year when the fee went to $95 (and announced that gift card purchases would no longer be rewarded). I believe they still waive the fee the first year. I switched to the no fee everyday version of the card as grocery purchases without any purchases of discounted gift...
by fareastwarriors
Mon Nov 20, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 8653

Re: Tipping in living wage state. Redux.

It feels like every few months we get another thread on tipping.
by fareastwarriors
Thu Nov 16, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 4747

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

I am in the opposite situation as the OP. There will be a different latitude in my retirement. Texas is high in the list of places to move. Being a lifelong CT resident, I cannot fathom why someone would want to move here. VHCOL, massive state and municipal fiscal problems (which are exacerbated by...
by fareastwarriors
Tue Nov 07, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 12171

Re: Disposable income... how?

I have nothing to add that's not already better said. But go ahead and have that craft beer or 2. It is not going to blow your budget. Enjoy a good cold one here and there!

Cheers! :sharebeer
by fareastwarriors
Fri Nov 03, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 6308

Re: Southwest Companion Pass [California only]

Confused again.... It says the promotional companion pass is valid until December 31 2018. Why would one assume that doing your first purchase in Jan would give you access through 2019? I think because the "regular" Companion Pass could potentially give you 2 year if you time it right. Getting the ...
by fareastwarriors
Thu Nov 02, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 6308

Re: Southwest Companion Pass [California only]

Okay, so in summary: 1) Once you acquire card, make one purchase now to get companion pass through Dec 31 2018. 2) Spend $1000 in January 2018 so that the 40k points post at that time. 3) Earn another 70k points in 2018 (perhaps by applying for a Southwest business card to net another 60k points af...
by fareastwarriors
Thu Nov 02, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 6308

Re: Southwest Companion Pass [California only]

This is too juicy of a deal to pass up. I currently have two other credit cards; a Citi Double Cash Mastercard and a BofA Cash Rewards card. I'm thinking of canceling the BofA card. Would it be better to do this first before applying for the Southwest card? If you have decent credit and only have 2...
by fareastwarriors
Tue Oct 31, 2017 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3012
Views: 590888

Re: What's Your Credit Card Rewards Strategy?

For California residents to get a companion pass after making only 1 purchase... https://creditcards.chase.com/a1/southwest/PlusCali?CELL=6G9Z&clk=HOMEPROMO2_CHASECPMEM171019 the offer details state: Only the individual who received this email/offer from Southwest Airlines® is eligible for this pro...
by fareastwarriors
Thu Oct 26, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime customers can now give Amazon access to their home
Replies: 53
Views: 5803

Re: Amazon Prime customers can now give Amazon access to their home

You are being watched. The government Amazon has a secret system: A machine that spies on you every hour of every day I know because I built it I designed the machine to detect acts of terror, But it sees everything Violent crimes involving ordinary people, people like you. Crimes the government Am...
by fareastwarriors
Thu Oct 19, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3012
Views: 590888

Re: What's Your Credit Card Rewards Strategy?

For California residents to get a companion pass after making only 1 purchase... https://creditcards.chase.com/a1/southwest/PlusCali?CELL=6G9Z&clk=HOMEPROMO2_CHASECPMEM171019 the offer details state: Only the individual who received this email/offer from Southwest Airlines® is eligible for this prom...
by fareastwarriors
Tue Oct 17, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 7589

Re: Trash dumped on curb (need advice)

Already mentioned but contact the code enforcement department of your city. I was in a similar situation last year. My tenant had a bulk pick up but he had way too much stuff out. The garbage company refused to pick it up and people rummaged through the pile. There was trash and stuff everywhere. So...
by fareastwarriors
Fri Oct 13, 2017 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3012
Views: 590888

Re: What's Your Credit Card Rewards Strategy?

So you guys are closing your accounts after receiving the bonus to avoid the annual fee? Yes since you only get the big bonuses by signing up for new accounts. I'm plan to keep open my Chase Reserve, United Explorer, and Amex Blue Cash Preferred since I think I get enough benefits out of them to ju...
by fareastwarriors
Tue Oct 03, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Update (again): Amazon "Cyber Monday Deal": Instant Pot 6-qt $74.99 (Cyber Monday-Nov 27)
Replies: 36
Views: 5054

Re: Amazon "Deal of the Day": Instant Pot 6-qt $69.99 (Mon, Oct 2)

Darn, I was hoping to get one for a friend. I missed out on a great price...
by fareastwarriors
Fri Sep 15, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 143
Views: 17346

Re: Another bay area housing thread..

Last November, I bought a place (1,800 sq ft, 3b/2ba) for $500k in Hayward. I work in the financial services industry but only in the back office so I don't make the big bucks. If I can make it work as a 29 year old, many of you can too. The price to live in the Bay Area is great. I think it is wort...
by fareastwarriors
Fri Aug 25, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Experience finding gas pump card skimmer?
Replies: 46
Views: 5627

Re: Experience finding gas pump card skimmer?

I look and shake the card reader but not saw anything out of norm. My cards have not been skimmed yet either.
by fareastwarriors
Thu Aug 17, 2017 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 143
Views: 17346

Re: Another bay area housing thread..

I'll tell when it closes. More than three days after closing, I hope..... What's the significance of 3 days? Apparently, the buyer still has three days after close of escrow to cancel the sale. States may vary, but just in case the buyer is looking here... =) https://www.avvo.com/legal-answers/does...
by fareastwarriors
Fri Aug 04, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: Thanks for Mobile Passport App
Replies: 20
Views: 2180

Re: Thanks for Mobile Passport App

I seen posters for it all SFO airport . I didn't look into it since I have Global Entry.
by fareastwarriors
Fri Aug 04, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Creating Multiple Streams of Income
Replies: 12
Views: 2547

Re: Creating Multiple Streams of Income

For those of you who have created multiple streams of income, what do you do? I think it would be interesting to see what others are doing to make money, aside from his or her full-time job. I'll start... - Selling medical supplies online - Trading cryptocurrencies (bitcoin, litecoin and ethereum) ...
by fareastwarriors
Fri Aug 04, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3012
Views: 590888

Re: What's Your Credit Card Rewards Strategy?

Anyone else notice the Hyatt card changed? It used to be 2 free nights at any property worldwide now it's just 40K points.. :confused Yes. I got the card for the 2 free nights thinking I will use it a fancy hotel. With the 40k points, perhaps I will book a cheaper hotel and have more nights instead...
by fareastwarriors
Mon Jul 24, 2017 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 20378

Re: Capital One $400 bonus for new checking account

Trying $500 bonus ($300 Checking/$200 MM) for both me and my gf w/ DD from Goldman Savings. Seems to have worked for some. Not in target area and never been a Capital One customer. Will post back w/ results. Is there a link for the Goldman deal? I should have clarified...opened Checking/Savings w/ ...
by fareastwarriors
Mon Jul 24, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 20378

Re: Capital One $400 bonus for new checking account

ny_knicks wrote:Trying $500 bonus ($300 Checking/$200 MM) for both me and my gf w/ DD from Goldman Savings. Seems to have worked for some. Not in target area and never been a Capital One customer. Will post back w/ results.

Is there a link for the Goldman deal?
by fareastwarriors
Mon Jul 17, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 21
Views: 3777

Re: Teeth Whitening

I applied Crest White Stripes last night. I have some teeth sensitivity right now.
by fareastwarriors
Thu Jul 13, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: My first poor Ally Bank experience
Replies: 25
Views: 8668

Re: My first poor Ally Bank experience

Thanks for sharing your experience. I haven't had any negative experiences with Ally yet.
by fareastwarriors
Wed Jun 14, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 85
Views: 9596

Re: Do You Take Your Credit Card Receipts?

Only for places with tipping. Found errors on those receipts all the time.
by fareastwarriors
Tue Jun 06, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 299
Views: 32000

Re: What do you guys do on the side?

I sell discounted gift cards in bulk on the side. I've made about $19k after expenses (building a website, loss on bad cards, etc.) and have sold about $1.2 million in the last 6 months. It's not something that's easy to start up though. Is there a site? or Ebay/something else? There are, but that'...
by fareastwarriors
Tue Jun 06, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 299
Views: 32000

Re: What do you guys do on the side?

Drew777 wrote:I sell discounted gift cards in bulk on the side. I've made about $19k after expenses (building a website, loss on bad cards, etc.) and have sold about $1.2 million in the last 6 months. It's not something that's easy to start up though.
Is there a site? or Ebay/something else?