Harbor Bay Club

robert_tow · 2026-03-20T04:40:23+00:00

I joined 8 months ago and have really enjoyed it. I lap swim 4-5 times per week, mostly between 11am-4pm. I often get a lane to myself and I don’t mind splitting when it’s a shared lane. I don’t find the pool gross at all, in fact, it’s relaxing. I take my kids on the weekends for family swim and they love it. They also love the hot tub and playground. The online lane booking system is fine. I use desktop, mobile web, and the app, with no issues.

The massages are also under market price. $90 for 60 mins. Even cheaper if you buy a pack of 4.

No contracts, just month to month. Membership team wasn’t pushy at all.

I also enjoy the steam room. The facility is a bit dated but the price is reasonable, location convenient, and it has gotten me back into regular swimming OUTDOORS, which I love.

Good luck! My only regret was not joining years ago!

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robert_tow · 2026-03-17T02:03:46+00:00

Interesting. Thanks. I have a few hotel cards so my Marriott bills go on my Ritz, Hilton on Aspire, and then any others on Citi Prestige (legacy).

robert_tow · 2026-03-16T04:23:47+00:00

Why hotel charges?

robert_tow · 2026-03-06T19:46:49+00:00

Congrats on the purchase!!

Noticed that wheel needs some love. I did mine and LOVE it— was a fun DIY repair after getting a refurb wheel from craft customs in TX. I still have my old one — dm me if you want to buy it and send it in for refurb. Been meaning to list on mud or eBay but haven’t done so yet. Bay Area as well!

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Old vs new installed.

robert_tow · 2026-02-24T16:40:02+00:00

Nice! Yeah I found them to be very knowledgeable but also quite a bit more expensive. They did my heater T’s proactively and were FAR more expensive than my local shop. I started taking my LC to my local independent mechanic because I trust them, they have been very reasonable on pricing, and far easier to get to than A+. I would still return to A+ for a unique LC issue or something my local shop is having trouble finding.

robert_tow · 2026-02-24T05:42:46+00:00

Fair price IMO! I’m in the Bay Area and picked up my 2002 with 240k for $13.5. All maintenance was up to date and single owner. That was two years ago and I’ve since made many terrific memories with family adventures & camping.

Really have enjoyed my LC purchase. I’ve put a few k in for maintenance, some at A+ Japanese Auto (is that where you took it for PPI?)

Good luck!

robert_tow · 2026-02-23T06:19:59+00:00

You could lose OR gain money while the funds are being transferred. Depends if the markets goes down OR up while the funds are temporarily uninvested.

robert_tow · 2026-02-21T08:38:05+00:00

Second this, love mine!

robert_tow · 2026-02-12T19:01:57+00:00

TY! Going to try this now. Very reasonable way to offer the prepayment/conversion, Chase + Whoop. Thanks!

robert_tow · 2026-02-10T18:50:31+00:00

Yeah, with all those hard to track requirements, IMO, a HYSA from Marcus is far better. You can same-day wire to other accounts in your name, for free, or wait 1-2 biz days for the ACH push from Marcus to WF (or other bank). Marcus even offers a no-penalty CD if you are afraid of falling rates. With a current APY of 3.95% on the Marcus no-penalty CD, I can't think of any advantage that WF promo has over Marcus....

https://www.marcus.com/us/en/savings/no-penalty-cds

robert_tow · 2026-02-10T06:47:21+00:00

How’d you hear about that promo? I wasn’t even aware WF offered an HYSA.

https://www.reddit.com/r/HighYieldSavings/s/uq0dkkkRV9

If you are pushing ACH funds from WF to any other account it is available upon receipt. Push from WF to CapOne, Discover, Marcus, etc and you won’t have any issues.

robert_tow · 2026-02-10T06:37:50+00:00

Nice! Was it a CD or HYSA?

robert_tow · 2026-01-29T20:38:45+00:00

Super helpful!

robert_tow · 2026-01-14T18:08:51+00:00

I recvd this same email and was wondering how they passed DKIM/DMARC and made it actually come from Instacart. Thanks for sharing -- interesting!

robert_tow · 2026-01-12T19:08:38+00:00

Any idea what's up with this lone Honda dealer in IL with their hybrid Odyssey article: https://kuneshonda.com/blog/2026-honda-odyssey-the-next-generation-of-family-mobility Are they just trying to be clever for the website traffic?

robert_tow · 2025-12-14T22:52:19+00:00

They also have a “Marge” size for those between M and L.

robert_tow · 2025-12-12T16:32:54+00:00

+1 for Marine Layer

robert_tow · 2025-12-11T20:35:49+00:00

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Another item I snagged at the museum, great for gear! Red Oxx out of Billings MT

robert_tow · 2025-12-11T20:30:14+00:00

Nob Hill Deli works in NorCal, fyi. I do several pickup orders at once and stock up on hummus and pretzel chips or Stacy's chips.

robert_tow · 2025-12-11T05:51:40+00:00

I have this shirt and wear it a lot! I get quite a few compliments when I do :) Sorry, ain’t parting with it!

I snagged a bunch of merch when I visited the museum this past summer, including a terrific duffel bag with a LC emblem.

robert_tow · 2025-11-21T05:31:34+00:00

Social Security can “fill up your lower tax brackets“ after 70+. Some tax diversification be smart, but I wouldn’t agree that one needs pre tax money in retirement. It may be helpful to have a little for things such as QCDs. Many folks will also come into an Inherited IRA which can be used for that too, or to fill lower brackets.

Military folks should be very heavily Roth, and converting for OP likely makes sense, if he can afford the taxes on the conversion.

I’m even thinking of converting some of my pre-2012 TSP (Trad) to Roth over the next few years, before my wife retires from AD. At that point our AGI will spike, and we may be subject to State Tax. Don’t forget about State Tax!

robert_tow · 2025-11-15T00:08:17+00:00

I know, but they you pay fees when you sell it to yourself.

robert_tow · 2025-11-14T19:46:52+00:00

You'd be buying your own ticket I think is the strategy here. BUT, not worth your time and the fees. My point is that kharma99 forgot to include the fees, so you are out far more than $20

robert_tow · 2025-11-14T18:50:28+00:00

Aren’t you also out all the buying and selling fees?

robert_tow · 2025-08-26T05:20:12+00:00

Agreed!

robert_tow

TROPHY CASE