AirBNB and Real Estate Prices

San Francisco residents recently voted on Proposition F - a measure introduced on the ballot (supported by community organizers, some landlords and unions representing hotels most prominently) which intended to limit short-term rentals to 75 days annually and allowed a few other provisions for lawsuits against private owners in violation of city … [Read more...]

Riding the Market Weather

June 29th, 2006. It was an innocuous day as the stock market was booming in the post-9/11 recovery. The economy was torrid and the unemployment rate was 4.6% in the USA. That fall, I opened up my checking account with Charles Schwab with their floating-rate free checking account (with no minimums or ATM fees) was paying 4.50% interest. That … [Read more...]

Selling Out (Part 2 of 4 on my move to San Francisco)

In Part One of this series, I talked about my overall transition to San Francisco. In this entry, I'll talk about some of the stresses involved in moving and cleaning up the personal finance life along with the move. As I wrote about in a series of posts in 2013, I purchased a house in Texas... Lovely carpeted bathroom. Oldest and smallest in … [Read more...]

End of an Era (Part 1 of 4 on my move to San Francisco)

    Part 2 I recently moved from the Dallas area to the Bay Area. The first thing I miss is the cost of living. The second thing I miss is the food. Dallas Fort-Worth has Mexican, cajun and good barbecue. But, thankfully, the summers here are much more bearable. It's been 61 and sunny all day everyday for the past … [Read more...]

First Month Living Without a Car

Recently, I moved to San Francisco and as part of the move I decided to sell my vehicle and live car-less. I felt (and feel) that I could get most of my transportation around the city done with bicycle or public transportation. So long as I can get to/from work and to/from a grocery store, then I should be fine. I’d like to report in on my progress … [Read more...]

I Quit My Day Job – If You’re Going to San Francisco (Part 2 of 3)

  I haven’t yet decided if I should wear flowers in my hair. Over the past three and a half year, I have lived in the Dallas-Fort Worth Metroplex. I have mixed feelings about leaving and mixed feelings about the area in general and am excited to see what a new area has to offer. First, the pros of Dallas: the food and the low cost … [Read more...]

Real Bay Area Income and Home Calculator, 2011 Edition!

Quick Links (Skip the Descriptions!): The Real Bay Area Income Calculator The Real Bay Area 'Home Affordability' Calculator The Real Bay Area Income Graph The Real Bay Area Calculator Limitations Data Sources and Thank Yous This post contains lots of dynamic features. If you are reading this in a feed or email please click through to the … [Read more...]

Bay Area Home Pricing – and Why It’s Probably Not a Bubble

The San Francisco Bay Area, generally agreed to include the nine California counties of Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano and Sonoma, is one of the wealthiest regions in the United States.  From its powerhouse engineering and business schools to the Venture Capital firms in Menlo Park and Palo Alto; … [Read more...]

Shaking Up a Real Estate Market Near You…

I recently purchased my first house here in the Bay Area, and I did it in a decidedly non-traditional way.  For a few years I had been reading about a smaller real estate company known as Redfin which operated in a more hands-off way than a normal real estate firm.  Redfin leverages technology and a slick user interface to help its users (most of … [Read more...]

Facebook vs the IPO

And just like that, soon after this article was published, documents revealed that Facebook planned to hit the 500 private investor cap in 2011, requiring them to disclose financial information or go public soon after. At this hour, Facebook is still mum on which of the options it is planning on choosing. The dates you should circle?  April 2012- … [Read more...]


The official U-3 unemployment rate is now 9.6%, up a tick from the 9.5% we saw last report.  However, private employers added 67,000 jobs in August, while July's numbers were revised upwards to 107,000 private sector positions and June numbers were also adjusted to 61,000. California is suffering disproportionally in the current economic … [Read more...]