SFace

United States, joined 2009 Dec 2   Has 7 followers.   Is following 0.
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threads pinned by SFace
authored 1,091 comments and 71 threads

SFace's threads


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27 dead, 20 gradeschool kids
by SFace on 14 Dec 2012   376 comments, latest 11 years ago
http://www.sfgate.com/news/cri WTF is wrong? This story is bothering me. #crime

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Fiserv - Moody's Case-Shiller Forecast - SFBA
by SFace on 24 Feb 2012   117 comments, latest 11 years ago
Case-Shiller lags anywhere from 3-5 months at the field level., but... Companies (particurarly banks) pay a lot of money to access subscription services generated by Fiserv and Moody's. Their ...

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Doubled up on FB
by SFace on 25 Jul 2013   119 comments, latest 10 years ago
Love what they are doing with Mobile and they figured out how to put ads on a phone in a targeted and discreet way (as part of a feed.) ...

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JCP
by SFace on 10 Jul 2013   111 comments, latest 6 years ago
This is a stock I have been following closely for a long time. Bought when Soros bought and sold before the last earning and made 40% in one month. ...

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Jobs are coming back!!!
by SFace on 17 Feb 2012   141 comments, latest 12 years ago
Little have been said about the improving job situation. The commerce department reported about 243K new jobs created in January 2012, notwithstanding government layoffs. Furthermnore, unemployment claims appears to ...

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My Experience with Lyft
by SFace on 19 Nov 2012   35 comments, latest 10 years ago
So me and my wife decided to try Lyft after a dinner night out at Mission District. (impossible to park) We loaded the the lyft app previously, posted the ...

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Long Apple
by SFace on 6 Sep 2013   68 comments, latest 10 years ago
Apple has been strangely quiet since iPhone 5. Everyone knows Sep-Dec is Apple domination quarter and for end of 2013 it will be especially plentiful. Here is what a ...

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Facebook Effect
by SFace on 27 Jan 2012   63 comments, latest 12 years ago
Reports of 100B valuation for Facebook sent everyone up: Look forward to the S-1. It will be an incredible read. RENN DANG LNDK GRPN All up

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How the tax situation will shake out from my perspective
by SFace on 13 Nov 2012   51 comments, latest 11 years ago
Most people don't realize that the bush tax cut will expire Jan 1, 2013. With Obama just newly re-elected and public sentiment, the rich will be soaked, the only ...

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10 reasons debunked #9
by SFace on 4 Aug 2014   22 comments, latest 10 years ago
"Because boomers are retiring. There are 70 million Americans born between 1945-1960. One-third have zero retirement savings. The oldest are 66. The only money they have is equity in ...

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10 reasons debunked #5
by SFace on 4 Aug 2014   25 comments, latest 9 years ago
"5.Because buyers used too much leverage. Leverage means using debt to amplify gain. Most people forget that debt amplifies losses as well. If a buyer puts 10% down and ...

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Short Groupon?
by SFace on 4 Nov 2011   22 comments, latest 10 years ago
I lot of people seems to think Groupon is spectacularly hyped, a company that adds little value relative to their valuation, which I generally agree. However, there's lots of ...

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US Government wants inflation?
by SFace on 13 Apr 2010   72 comments, latest 14 years ago
Okay, I always thought about various problems with current and rising government deficits, entitlement programs, current economic conditions, etc. and have always felt very strongly that inflation was a ...

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Double-digit rent hikes are on the way
by SFace on 13 Jan 2011   36 comments, latest 11 years ago
This was pretty evident to me for a year (following the REIT industry) now, but here's the nugget of the story and something you should be aware of: http://www.marketwatch.com/sto ...

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CA prop 13 and Step up basis is a lethal combination
by SFace on 5 Apr 2013   21 comments, latest 11 years ago
This is a real situation: A long-time San Francisco homeowner bought their house in the 70’s. 50K or so, property tax is less than 2K a year in 2013. ...

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using line of credit to buy now
by SFace on 24 Jun 2014   22 comments, latest 7 years ago
e-man, thoughts and what are you seeing with others with tremendous equity from their primary and can buy a place or two in cheaper areas with their line? Obviously ...

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CA has super Majority!
by SFace on 7 Nov 2012   24 comments, latest 11 years ago
Super majority in Lower house Super in Upper house Governor Brown for at least 2 more years. We'll see what the Dems have planned and what a fillibuster-less control ...

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Fixation on median household income is misplaced
by SFace on 19 Oct 2011   27 comments, latest 12 years ago
One of the items I see too often used and referenced is median household income without further context. I'm a stats person and a median in itself is meaningless ...

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My employer should have fired me for a chance to meet Zynga
by SFace on 1 Dec 2011   15 comments, latest 11 years ago
Long story short, In 2009, many people were fired (among the 15M or so nationally) including some of my colleagues. Some of them end up joining Zynga which went ...

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Companies in crisis are always great buys
by SFace on 8 Feb 2012   19 comments, latest 12 years ago
Over the last 10 years of observing the market, companies in short term crisis not related to the fundamentals of the business have always proof out to be great ...

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Is Apple IPad a winner, loser or somewhere in between
by SFace on 28 Jan 2010   42 comments, latest 14 years ago
For the longest time, I am a big believer and supporter in Apple products. They are perhaps the best hardware company I have ever seen creating high margin hardware ...

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Famous consumer brands in America by state
by SFace on 27 Jun 2013   10 comments, latest 11 years ago
get off of interest rates, gold/bonds a little bit. Saw this neat map that shows the most recognizable brand coming from each respective states. Missing Hawaii, but I would ...

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Why opening and utilziing a HELOC makes financial sense.
by SFace on 12 Feb 2013   28 comments, latest 11 years ago
A few topics center on HELOC as bad bad bad, I don’t see it. Sure, you can get in trouble, but the core reason makes a whole lot of ...

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CA pension reform
by SFace on 27 Oct 2011   35 comments, latest 12 years ago
I Agree with every single point and absolutely acceptable. I only wish there was a cap, like social security does as well. I have no problems with pensions, but ...

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10 reasons debunked #2
by SFace on 4 Aug 2014   10 comments, latest 9 years ago
"2.Because it's usually still much cheaper to rent than to own the same size and quality house, in the same school district. In rich neighborhoods, annual rents are typically ...

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Does rig blowup change your view on offshore drilling?
by SFace on 29 Apr 2010   42 comments, latest 14 years ago
A story I find pretty fascinating but relatively under the radar is the recent big rig explosion off the New Orleans coast. Notwithstanding that lives are lost, the drills ...

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Totally despise Netflix Management
by SFace on 22 Nov 2011   13 comments, latest 12 years ago
This is a company that bought back about 1B of their own shares the last three years or so while management sold $1B concurrently and enriched themselves like no ...

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Archstone San Mateo insane rent hike
by SFace on 27 Apr 2011   23 comments, latest 13 years ago

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Credit Card Inventory
by SFace on 17 Jun 2010   18 comments, latest 14 years ago
My finance is currently organized that I write on average one to two checks a month only and rarely use cash. To the extent possible, everything is paid via ...

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Stock picks March 13, 2014
by SFace on 13 Mar 2014   11 comments, latest 10 years ago
Added the following today Yahoo@ 37.23 I believe there is a place for Yahoo in mobile advertising dominated by Google and Facebook. Marissa is an ex Google so she ...

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Diamond Foods
by SFace on 21 May 2013   7 comments, latest 11 years ago
This is a stock that is being accumulated quietly. It's been on my radar as a San Francisco company and the accounting scandal that was strightened out last year. ...

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Rents bottomed 1Q-2010, now trending up.
by SFace on 5 Aug 2010   18 comments, latest 13 years ago
I was doing some research on AVB, BRE and PPS. I knew rents were creeping up again based on soft evidence but Avalon, Post and Bre pretty much confirms ...

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10 reasons debunked #3
by SFace on 4 Aug 2014   6 comments, latest 9 years ago
"3.Because it's a terrible time to buy when interest rates are low, like now. House prices rose as interest rates fell, and house prices will fall if interest rates ...

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10 reasons debunked #1
by SFace on 4 Aug 2014   6 comments, latest 9 years ago
First one: "1.Because house prices are in expensive areas still dangerously high compared to incomes and rents. Banks say a safe mortgage is a maximum of 3 times the ...

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Do not buy a house using FHA - Too expensive
by SFace on 31 Jan 2013   6 comments, latest 11 years ago
* Basically, FHA got slaughtered on loans from 2004-2008. If you are a FHA borrower prospectively, please don't do it, you will be slaughtered. * 1.75% upfront fee. What ...

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Buffet ruled out double dip recession
by SFace on 13 Sep 2010   22 comments, latest 14 years ago
I know it's hard for some to wrap around this concept, but here is my thoughts on the economy which is perfectly summarized from Warren Buffet. "We will not ...

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GOP will win round 3 of budget battle
by SFace on 19 Feb 2013   14 comments, latest 11 years ago
Round 1 - debt ceiling - dems win Round 2 - fiscal cliff - dems win Round 3 - Automatic cuts - GOP will win At this point, I ...

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"No double dip (recession) but no rapid recovery either
by SFace on 2 Jul 2010   16 comments, latest 14 years ago
"No double dip (recession) but no rapid recovery either," said John Silvia, chief economist at Wells Fargo in Charlotte, North Carolina. That pretty much sums my thoughts on where ...

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The American Dream on Sale and SFH REITS
by SFace on 16 Dec 2010   6 comments, latest 9 months ago
One of the giants in the finance world I admire is Bill Ackman from Pershing Square. He made several billion buying General Growth properties (GGP) around a buck in early ...

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S&P Breakout, next Step
by SFace on 22 Jan 2013   7 comments, latest 11 years ago
It looks like with Google and IBM, tech will likely be up tommorow and likely take the S&P past 1500. It has broken out, despite a lot of Apple ...
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