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Re: Landlord asking for more money at Move Out than Security

Depends on how long you lived there to determine if it is normal wear and tear. If you feel it is unjust, write certified letter to landlord denying charges and provide your own evidence (pictures), show your checklist, and say will take landlord to small claims court (even if not), if charges are n...
by cheesepep
Mon Mar 30, 2015 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Landlord asking for more money at Move Out than Security Dep
Replies: 24
Views: 3050

Re: Turbo Tax Estimated Tax Coupons in *.pdf

I wouldn't worry about any tax penalties. I also pay estimated taxes but always end up paying the government every year. I owe about $2000 this year and my penalty was about $12.
by cheesepep
Sun Mar 29, 2015 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Estimated Tax Coupons in *.pdf
Replies: 5
Views: 325

Re: How to understand tax return

I wish TT or other programs did something like this:

Because you donated $100 of goods, your tax liability went down by $29.
Because you qualified for the foreign income exclusion, your tax liability went down by $800.
..
..
..
by cheesepep
Sat Mar 28, 2015 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Do 457 and extra pension contribs appear on tax return?]
Replies: 5
Views: 574

Re: How are qualified dividends taxed?

According to TaxCaster on my iPad, you would owe $7,943 in taxes, or about 8% tax rate (if single).
by cheesepep
Fri Mar 27, 2015 5:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: How are qualified dividends taxed?
Replies: 6
Views: 630

Re: TurboTax Deluxe

I changed over to Tax Act in protest. And the $12.99 version handled donation of mutual fund shares to charity just fine. My MIL's simple return was free. Not near as slick or easy as continuing to use Turbo Tax, but I thought we needed to send a message about the outrageous cost/service. Does Tax ...
by cheesepep
Thu Mar 26, 2015 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Deluxe
Replies: 20
Views: 1793

Re: Need a tablet maybe

Just as a FYI, according to theverge or arstechnica (forgot which), many if not all cheap tablets purchased at Best Buy include malware or other evil software on the device. Better to buy something more premium that will last a bit longer and safer. I'm an iPad air user myself and it is my favorite ...
by cheesepep
Wed Mar 25, 2015 7:38 pm
 
Forum: Personal Consumer Issues
Topic: Need a tablet maybe
Replies: 26
Views: 1876

Re: Does your CPA/Tax Person help with reducing your taxes?

I've used a CPA for the last 2 years only because my taxes have been far too complicated to do them by myself. However, this year (2015), my taxes should be doable by myself, so I will do them by myself. My CPA has never given me hints as to legally reduce my taxes (yes, I never asked), but I will b...
by cheesepep
Fri Mar 20, 2015 8:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Does your CPA/Tax Person help with reducing your taxes?
Replies: 58
Views: 4745

Re: High Cost of Fruits and Vegetables

I usually do not eat any fruit. An occasional banana, orange, or watermelon when is seasonal is ok, but not that often. I do, however, eat lots of vegetables and vegetables are cheap (I don't buy into that organic ordeal, and I wash my veggies well). Very nice vegetables at my local grocers are almo...
by cheesepep
Sun Mar 08, 2015 11:02 am
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 7013

Re: Tourists in Manhattan

I would take Lyft or Uber if you need to.
by cheesepep
Tue Mar 03, 2015 8:36 pm
 
Forum: Personal Consumer Issues
Topic: Tourists in Manhattan
Replies: 53
Views: 4505

Re: [partially retired, need help choosing health insurance]

A related question, can I enroll in the bronze plan (in CA) and then later on in the year, change to the silver or gold plan?
by cheesepep
Fri Feb 06, 2015 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: [partially retired, need help choosing health insurance]
Replies: 13
Views: 838

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: 1932

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: 2049

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: 2168

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: 1631

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: 2363

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: 930

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: 106
Views: 11493

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: 2363

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: 5
Views: 438

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: 1300

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: 446

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: 446

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: 2128

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: 1308

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: 3722

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: 2773

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: 9642

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: 1885

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: 1017

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: 2193

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: 16302

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: 1811

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: 2841

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: 5955

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: 4782

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: 2699

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: 2580

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: 13973

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: 8285

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: 727

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: 727

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: 16745

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: 1715

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: 10468

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: 13818

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: 1810

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: 1079

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: 1316

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: 7690

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: 7431
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