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Re: Android or iPhone? Which do you like, and why?

When using Android, all of your data goes through Google's servers which analyzes them and sells ads and other things based off of it. Also, I believe Google initially infringed Apple's IP before (not necessarily now). For those reasons and others, I'm never using Android.
by cheesepep
Mon Jan 26, 2015 9:17 am
 
Forum: Personal Consumer Issues
Topic: Android or iPhone? Which do you like, and why?
Replies: 40
Views: 1830

Re: Do you encrypt financial/investment documents on your PC

I store them on an encrypted disk partition on an encrypted disk.
by cheesepep
Thu Jan 15, 2015 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you encrypt financial/investment documents on your PC?
Replies: 37
Views: 1982

Re: Another Down Payment Math Problem

I would put as much down as possible for the down payment without raiding any funds. You will have to pay PMI since you don't have the twenty percent, but just pay PMI for one to two years until you get to twenty percent. During this time, aggressively pay down your mortgage so you can get to the tw...
by cheesepep
Thu Jan 15, 2015 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another Down Payment Math Problem
Replies: 14
Views: 2106

Re: Home office printer

Brother all-in-one mono laser printer. Any kind will do.
by cheesepep
Sun Jan 11, 2015 11:12 am
 
Forum: Personal Consumer Issues
Topic: Home office printer
Replies: 19
Views: 1601

Re: Can I Deposit a Check for Someone Else in Their Account?

Yes, but if you want to deposit cold hard cash at Chase bank, you cannot unless you are an account holder. And even if an account holder, you need to show your ID. Seriously stupid. I think the explanation for Chase can be found here . So no, it isn't seriously stupid, its CYA. I know the reason wh...
by cheesepep
Fri Jan 09, 2015 7:14 pm
 
Forum: Personal Consumer Issues
Topic: Can I Deposit a Check for Someone Else in Their Account?
Replies: 27
Views: 2240

Re: UPF / Hot Weather Clothing

I stay inside when it is hot. When I do go outside, I use an umbrella. I think people who do sports outside when the sun is shinning are crazy.
by cheesepep
Fri Jan 09, 2015 4:28 pm
 
Forum: Personal Consumer Issues
Topic: UPF / Hot Weather Clothing
Replies: 8
Views: 911

Re: Who's buying Oil stocks?

I am happily buying more oil stocks. Long big oil!
by cheesepep
Fri Jan 09, 2015 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Who's buying Oil stocks?
Replies: 71
Views: 6509

Re: Can I Deposit a Check for Someone Else in Their Account?

Yes, but if you want to deposit cold hard cash at Chase bank, you cannot unless you are an account holder. And even if an account holder, you need to show your ID. Seriously stupid.
by cheesepep
Fri Jan 09, 2015 3:45 am
 
Forum: Personal Consumer Issues
Topic: Can I Deposit a Check for Someone Else in Their Account?
Replies: 27
Views: 2240

Re: IRS reporting requirements for family mortgage

I don't know what the legal requirements are, but if I were you, and in consideration that this was a family loan, I would not be apt to deduct any interest, however entitled you are to be to it.
by cheesepep
Thu Jan 08, 2015 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: IRS reporting requirements for family mortgage
Replies: 6
Views: 426

Re: Mac Antivirus

Have never used any antivirus program on my Mac, ever. No need. Keep your Mac updated.
by cheesepep
Wed Jan 07, 2015 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Mac Antivirus
Replies: 15
Views: 1272

Re: Small estate affidavit question

I asked the courthouse in person and they didn't know because those forms do not get filed in court, only with the finance company in question.

I think it should be yes because I see some similar forms online but with varying wording, which makes me believe that there is no one set form for all uses.
by cheesepep
Tue Jan 06, 2015 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Small estate affidavit question
Replies: 6
Views: 429

Small estate affidavit question

My friend had a question here. He lives in the state of California and there are a total of 4 heirs to the small estate (as defined by CA laws). He got a small estate affidavit form from the local courthouse. The form has 3 lines to list names of people as heirs to the estate and only has 2 signatur...
by cheesepep
Tue Jan 06, 2015 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Small estate affidavit question
Replies: 6
Views: 429

Re: How hard can it be to do TurboTax again?

I'm going to use TT for my 2015 return after having the last two years (including this year ) done by an expensive CPA. I used to use TT myself before use of the CPA when my tax situation became complicated and because that problem has since been resolved, I am going to use TT again. I like it altho...
by cheesepep
Mon Jan 05, 2015 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: How hard can it be to do TurboTax again?
Replies: 15
Views: 2081

Re: Oil price goes down,any investment opportunities?

Yes. I am loading up on three big cap oil stocks. Not telling the names but there aren't that many to choose from.

I'm in it for the long haul.
by cheesepep
Mon Jan 05, 2015 7:40 pm
 
Forum: Investing - Theory, News & General
Topic: Oil price goes down,any investment opportunities?
Replies: 9
Views: 1245

Re: Do any other men here regulalry use skin care products?

I use nothing, seriously.

I should use something, however.
by cheesepep
Mon Dec 29, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Do any other men here regulalry use skin care products?
Replies: 45
Views: 3517

Re: How to make a long bet on Crude Oil

I am too making this bet. I own 3 individual stocks in this sector, and have been long them for a few years now. I have recently added some more.
by cheesepep
Sun Dec 21, 2014 7:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to make a long bet on Crude Oil
Replies: 28
Views: 2613

Re: How do you define "being rich"?

It is when you worry more about taxes than income.
by cheesepep
Sat Dec 20, 2014 10:33 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 9472

Re: Is it safe to use a credit card at Target?

Use Apple Pay.
by cheesepep
Sat Dec 20, 2014 7:48 pm
 
Forum: Personal Consumer Issues
Topic: Is it safe to use a credit card at Target?
Replies: 23
Views: 1855

Re: Green day

I am happy. I have been buying three different oil stocks due to the drop of oil, and things seem to be rebounding. I'm in it for the long-term however.
by cheesepep
Fri Dec 19, 2014 4:49 pm
 
Forum: Investing - Theory, News & General
Topic: Green day
Replies: 8
Views: 1006

Re: Yahoo mail

I no longer use gmail for privacy concerns, mainly I don't want them to be selling me add by parsing my emails. I use Apple mail but I don't use any web interface. I use dedicated apps for each of the devices I own. They do have a web interface if I so desired.
by cheesepep
Thu Dec 18, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo mail [problems]
Replies: 29
Views: 2143

Re: Why a Boglehead doesn't invest in individual companies?

I only invest in individual stocks because it allows me flexibility and control. Furthermore, it allows me to collect dividends which has changed my life to a huge extent. I have been successful in doing this and am buying energy stocks right now.
by cheesepep
Wed Dec 17, 2014 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why a Boglehead doesn't invest in individual companies?
Replies: 142
Views: 15625

Re: Paying Estimated Taxes, Due Date, Paying Monthly/Online?

I always remember. I calculate my estimated taxes by guesstimation. If I am off and have to pay a penalty, then oh well! The penalty is not much.
by cheesepep
Wed Dec 17, 2014 1:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying Estimated Taxes, Due Date, Paying Monthly/Online?
Replies: 17
Views: 1782

Re: Does your work define you?

Not at all. I have one hundred percent flexibility in what I do and when I do it.
by cheesepep
Sun Dec 14, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Does your work define you?
Replies: 30
Views: 2789

Re: (Poll) Did you tap into emergency fund in the past 10 ye

Never. I also don't have an emergency fund. I do have a savings account for my future house that I can use should I need to.
by cheesepep
Sat Dec 13, 2014 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Poll) Did you tap into emergency fund in the past 10 years?
Replies: 64
Views: 5771

Re: Energy sector

I only invest in individual stocks, and I've been dipping in several big names. I'm long all of my stocks, so short term fluctuations, be it one day or several years, do not phase me.
by cheesepep
Fri Dec 12, 2014 11:09 am
 
Forum: Investing - Theory, News & General
Topic: Energy sector
Replies: 56
Views: 4721

Re: Transferring files onto a new computer

I always back up to my Time Machine, which is a local store. Just a few clicks and you are done, but may be Mac only. I am not sure.

I also would never backup my data to any sort of cloud storage for security concerns. Only local network storage for me where I am in charge of my data.
by cheesepep
Mon Dec 08, 2014 9:57 pm
 
Forum: Personal Consumer Issues
Topic: Transferring files onto a new computer
Replies: 32
Views: 2647

Re: How long do grilles last?

If charcoal grill, it will last forever as long as you cover it from rain or other elements.
by cheesepep
Sun Dec 07, 2014 11:51 pm
 
Forum: Personal Consumer Issues
Topic: How long do grilles last?
Replies: 26
Views: 2548

Re: Is it safe to leave Laptop in hotel room

Half of the times, my laptop goes with me. I have a messenger bag so it isn't so bad. Half of the time, it goes into the hotel safe powered off. It is encrypted, so I have no worries.
by cheesepep
Sun Dec 07, 2014 11:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 13887

Re: Where do you shop for groceries?

50% at the local wet market here (meat and veggies)
50% at the local grocers here (flour, meat, sauces, etc)
by cheesepep
Sat Dec 06, 2014 10:40 pm
 
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 97
Views: 8029

Re: DMV and smog check issues

California. Thanks. I will also check the website.
by cheesepep
Fri Dec 05, 2014 3:18 pm
 
Forum: Personal Consumer Issues
Topic: DMV and smog check issues
Replies: 6
Views: 706

DMV and smog check issues

I have a friend who has been out of the country for an extended period of time (a few years). During this time, he has had his car in the States only have the minimum amount of insurance (collision only, I believe with a high deductible, for about $33 every 6 months). He also has registered his car ...
by cheesepep
Fri Dec 05, 2014 2:26 pm
 
Forum: Personal Consumer Issues
Topic: DMV and smog check issues
Replies: 6
Views: 706

Re: Giving money to your alma mater: Have to vent

I have not and will not give money to my college. I had the worse professors and an overall bad experiece. Sure I did well afterwards but that was because of me and not because of my college. I am generally this type of person. I won't wear any of my college's shirt, sweater, hat, etc either. The sa...
by cheesepep
Thu Dec 04, 2014 3:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Giving money to your alma mater: Have to vent
Replies: 166
Views: 16669

Re: Where to invest end of year bonus

I would pay off the loan and keep the rest in cash. Don't spend it.
by cheesepep
Wed Nov 26, 2014 7:17 am
 
Forum: Investing - Theory, News & General
Topic: Where to invest end of year bonus
Replies: 16
Views: 1636

Re: What percent "Boglehead" are you?

I'm probably low on the scale as I don't do index investing and I don't save much for retirement. However, I am naturally frugal and have done well for myself.
by cheesepep
Sun Nov 23, 2014 9:56 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 125
Views: 10247

Re: Oatmeal suggestions

I think some of you eat what I wouldn't consider as being food (e.g., flax seeds). I normally do not eat oatmeal, but have been trying to eat it more often before seeing this thread. What I have been doing is 2-3 parts plain instant Quaker oatmeal with 1 part red-date flavored instant oatmeal. Not t...
by cheesepep
Sun Nov 23, 2014 7:49 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 147
Views: 13414

Re: Learning to Type

I tried to learn typing the real way, but I cannot move my fingers like that. I now mainly type using my index fingers and thumb, and can type around 34 words a minute. Not that bad, and my life doesn't depend on typing, so all is well.
by cheesepep
Sat Nov 22, 2014 12:30 am
 
Forum: Personal Consumer Issues
Topic: Learning to Type
Replies: 14
Views: 1758

Re: Sole proprietor or other forms?

My friend remained a sole-proprietor for simplicity reasons. Forming an S-corp would have overall saved some money, but the savings benefit wasn't enough for him, as he dislikes paperwork, however small it might be. Something to consider.
by cheesepep
Thu Nov 20, 2014 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sole proprietor or other forms?
Replies: 7
Views: 1053

Re: Degree of Difficulty Obtaining a Mortgage without Income

Why do you pay rent to your wife? Is it some sort of tax deduction that you are trying to achieve?
by cheesepep
Sun Nov 16, 2014 3:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Degree of Difficulty Obtaining a Mortgage without Income
Replies: 11
Views: 1304

Re: What if I Never Buy a House?

[quote="epitomist"]Anyone with kids should probably buy a house; the sense of permanence is important to children.

For anyone else, probably don't buy a house. /quote]

This. If you have kids, this is very important. I am kind of in the same boat as OP, however.
by cheesepep
Sun Nov 09, 2014 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 57
Views: 7645

Re: Merc or BMW?

If only these two choices, then the BMW. They have an overall higher reliability value and they have their three year warranty thing which would save you big bucks. I am like this: 3 Series or C class. Choose 3 Seriesor Cadillac ATS. 5 Series or E class. Choose E class or Cadillac CTS. 7 Series or S...
by cheesepep
Thu Nov 06, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Merc or BMW?
Replies: 60
Views: 7306

Re: What do you set your thermostat to (in F)?

I don't use mine. If it is cold, put on a jacket. If hot, wear shorts and turn on the fan.
by cheesepep
Wed Nov 05, 2014 12:13 am
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4820

Re: First House Question

This shows the problem of making good money -- you are kind of "forced" to live in an expensive neighborhood, and to top it off, pay ridiculous sums of money to pay for private education, which may or may not be as good as public education. In the end, in my opinion, you are no better off ...
by cheesepep
Mon Nov 03, 2014 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: First House Question
Replies: 23
Views: 2177

Re: Tips on winning a small claims court case in California.

According to Judge Judy and Judge Millian Milan, you need either expert witness testimony (a car mechanic) or an affidavit from the same to win. In either case, it needs to be clear that something that the defendant done was negligent, thus causing the engine to fail. If you can prove that, then cas...
by cheesepep
Wed Oct 29, 2014 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tips on winning a small claims court case in California...
Replies: 24
Views: 2979

Re: Smartphone questions

iPhone user here. Works well with my Mac and Apple doesn't sell ads based off my email, usage, or other data mining that Google does.
by cheesepep
Tue Oct 28, 2014 2:59 am
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 10378

Re: Buying a house question (newbie)

Thanks. That was exactly what I was looking for!
by cheesepep
Sat Oct 25, 2014 8:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house question (newbie)
Replies: 5
Views: 723

Re: Buying a house question (newbie)

Hmm. I didn't mean for this to be a realistic example. I am just choosing nice round, big numbers to make the math easier for me to understand. My question better phrased, is how much of a check would I be getting? Would the check be (200,000-100,000) $100,000? Would I be getting that in one fat sum...
by cheesepep
Sat Oct 25, 2014 7:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house question (newbie)
Replies: 5
Views: 723

Buying a house question (newbie)

I've never purchased a house before, but have some money and a lot of free time and am interested in flipping a house for some money. I know the disadvantages of flipping a house, so no need to mention that to me here. In the given example, what would happen? Please excuse all realtor fees, taxes, e...
by cheesepep
Sat Oct 25, 2014 4:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house question (newbie)
Replies: 5
Views: 723

Re: Electronic lock experiences

I would buy one that works with Apple's homekit so it would work with my iPhone. Most of them can use a physical key in case of battery failure or whatever but there is no need to carry a key with you. Just hide one in a non-conspicuous location, which would be very easy where I live.
by cheesepep
Fri Oct 24, 2014 9:26 am
 
Forum: Personal Consumer Issues
Topic: Electronic lock experiences
Replies: 15
Views: 1889

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

As an engineer by major and part of my profession, I am good at picking stocks. I just choose the less risky ones and hold them for an extended period, which most people (engineers or not) would be adverse to doing. This does not prove that you are good at picking stocks. You have to show that you ...
by cheesepep
Tue Oct 21, 2014 10:53 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 135
Views: 11026

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

As an engineer by major and part of my profession, I am good at picking stocks. I just choose the less risky ones and hold them for an extended period, which most people (engineers or not) would be adverse to doing.
by cheesepep
Tue Oct 21, 2014 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 135
Views: 11026
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