Search found 474 matches

by cheesepep
Mon Aug 17, 2015 6:46 pm
Forum: Personal Consumer Issues
Topic: Carry on luggage
Replies: 87
Views: 7079

Re: Carry on luggage

I also travel a lot and use whatever I can find at Ross. Works well. I just make sure that the wheels swivel 360 degrees. I never worry about someone stealing my suitcase and I've only had a very occasional broken zipper, and nothing else. Well worth my money.
by cheesepep
Wed Aug 12, 2015 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Unclaimed property
Replies: 28
Views: 2947

Re: Unclaimed property

Just a FYI, for CA, I sent in the necessary paperwork for a relative of mine. Waited 2 months, received confirmation of paperwork and a letter saying wait a minimum of 6 months for approval and an additional 2-3 months to receive the money, and in other cases, another 2-3 months. Needless to say, I'...
by cheesepep
Thu Aug 06, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: iPad - usefulness?
Replies: 53
Views: 3975

Re: iPad - usefulness?

I use mine when I'm watching TV. Also, when I'm at a hotel or something, I use it to browse the web while watching a movie on my laptop on my bed (or vice versa).

Very useful apps for banking and such.
by cheesepep
Tue Aug 04, 2015 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Hit with $10k tax bill from 2013, given 3 weeks to pay
Replies: 50
Views: 6228

Re: Hit with $10k tax bill from 2013, given 3 weeks to pay

I have nothing to add but say I would be scared silly to receive any letter from the IRS, even if it is a refund.
by cheesepep
Mon Aug 03, 2015 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Landlord Question - Military Tenant
Replies: 25
Views: 1506

Re: Landlord Question - Military Tenant

Doesn't matter if it is a military member, police, doctor, teacher, or a government assisted person, follow whatever is in your contract with them.
by cheesepep
Fri Jul 24, 2015 12:53 pm
Forum: Personal Consumer Issues
Topic: Easy lunch brownbag ideas
Replies: 32
Views: 3222

Re: Easy lunch brownbag ideas

Throw in yesterday's "leftovers" in a Rubbermaid and be done. Add a banana if necessary.
by cheesepep
Thu Jul 23, 2015 4:20 pm
Forum: Personal Consumer Issues
Topic: Asking for separate checks?
Replies: 88
Views: 6670

Re: Asking for separate checks?

Separate checks. Nothing embarrassing or tacky about it. You pay what you consume.
by cheesepep
Mon Jul 20, 2015 10:42 am
Forum: Personal Consumer Issues
Topic: Do you hate your vehicle infotainment system?
Replies: 73
Views: 6238

Re: Do you hate your vehicle infotainment system?

I only listen to music while driving, my wife has a Masters in music and hates listen to music from radio stations. Not sure the relationship between having a Masters in music and hating music from radio stations. Anyone, masters in music or not, can hate radio stations, including myself. I own a C...
by cheesepep
Sun Jul 12, 2015 12:38 pm
Forum: Personal Consumer Issues
Topic: What do you think of SurfEasy - a flashdrive privacy protector for laptop
Replies: 8
Views: 881

Re: What do you think of SurfEasy - a flashdrive privacy protector for laptop

This seems to be a physical device ? I also use a VPN, but not a physical device. There is no need for such a device. I didn't research this particular device however.
by cheesepep
Tue Jul 07, 2015 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Need help calculating Estimated Quarterly Tax for Contractor
Replies: 21
Views: 861

Re: Need help calculating Estimated Quarterly Tax for Contractor

Just realized today that I forgot to past last quarterly taxes. I paid today for this quarter and last quarter and added $50 just in case.
by cheesepep
Fri Jul 03, 2015 4:10 pm
Forum: Personal Consumer Issues
Topic: Buying a new desktop computer
Replies: 42
Views: 3879

Re: Buying a new desktop computer

Just a FYI, if you use Chrome OS, ALL your data (documents, etc) belong to Google. Huge privacy issue for me to never ever consider one.
by cheesepep
Sun Jun 21, 2015 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Tech jobs - is job-hopping the best way to get ahead?
Replies: 92
Views: 13730

Re: Tech jobs - is job-hopping the best way to get ahead?

My first real job had no significant salary increase. I was very disappointed when new hires (I had 1-2 years on them) were making more money (~10%) than me. Two job hops later (and a change in job), I was making about 90% more.
by cheesepep
Sun Jun 21, 2015 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Tech jobs - is job-hopping the best way to get ahead?
Replies: 92
Views: 13730

Re: Tech jobs - is job-hopping the best way to get ahead?

Some amount of job hopping in the early stages of a career is necessary and expected in order to achieve a decent salary. Excessive job hunting, even when you are talented, will be deemed as not being loyal to a company and you will not be accepted.
by cheesepep
Sat Jun 13, 2015 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Individual stocks that have outperformed the market
Replies: 41
Views: 4471

Re: Individual stocks that have outperformed the market

MO (Altria) has probably beaten the market every year if you include all of the companies that have split off including Kraft. Also one of my major holdings. I don't own any funds. 2012 Altria 11.7 2012 PM 10.6 2012 S&p 500 16% Kraft and Ralcorp (and maybe Mondelz can't remember if that was 201...
by cheesepep
Sat Jun 13, 2015 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Individual stocks that have outperformed the market
Replies: 41
Views: 4471

Re: Individual stocks that have outperformed the market

MO (Altria) has probably beaten the market every year if you include all of the companies that have split off including Kraft. Also one of my major holdings. I don't own any funds. 2012 Altria 11.7 2012 PM 10.6 2012 S&p 500 16% Kraft and Ralcorp (and maybe Mondelz can't remember if that was 201...
by cheesepep
Fri Jun 12, 2015 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Individual stocks that have outperformed the market
Replies: 41
Views: 4471

Re: Individual stocks that have outperformed the market

MO (Altria) has probably beaten the market every year if you include all of the companies that have split off including Kraft.

Also one of my major holdings. I don't own any funds.
by cheesepep
Sun Jun 07, 2015 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Cooperative (co-op) unit - Questions to ask
Replies: 12
Views: 1395

Re: Buying a Coop - QUESTIONS to ask

4nursebee wrote:Coop? I thought this was to be a chicken question...


Me too because I had a similar question.
by cheesepep
Thu Jun 04, 2015 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to get rid of practically worthless stock
Replies: 33
Views: 3880

Re: Best way to get rid of practically worthless stock

Hmm, my Scottrade person will do it for free. I don't know about that $1 thing, however.
by cheesepep
Thu Jun 04, 2015 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: One million dollar home
Replies: 37
Views: 5819

Re: One million dollar home

NEVER buy a townhouse unless you are really strapped for cash (or unless there are no other options available).
by cheesepep
Mon Jun 01, 2015 8:11 am
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 6947

Re: Which grocery stores do you shop at and why?

20% Stater Bros (closest to house)
5% Sam's Club (use mainly for other non-grocery items, may buy the occasional cake, chicken)
75% Shun Fat or other Chinese grocers (best selection and best prices)
by cheesepep
Sun May 31, 2015 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Ethics over income?
Replies: 23
Views: 3372

Re: Ethics over income?

Do whatever you want. I own many so-called unethical stocks and I'm happy as a clam.
by cheesepep
Sun May 31, 2015 8:27 am
Forum: Personal Consumer Issues
Topic: All-in-one Printer Recommendation
Replies: 41
Views: 3050

Re: All-in-one Printer Recommendation

Brother all-in-one laser printer
by cheesepep
Sat May 23, 2015 8:15 pm
Forum: Personal Consumer Issues
Topic: Building a guest house
Replies: 20
Views: 2142

Re: Building a guest house

Do whatever you want. Just get it in writing.
by cheesepep
Sat May 23, 2015 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Real cost of a Masters (in the US)
Replies: 39
Views: 3333

Re: Real cost of a Masters (in the US)

Only get a masters for specific majors, otherwise you will just be wasting your money.
by cheesepep
Thu May 21, 2015 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Might sell house to a friend. What is fair?
Replies: 30
Views: 2545

Re: Might sell house to a friend. What is fair?

Don't do any favors for a friend. Sell at market price. Throw in a coffee maker or a rice cooker or an expensive toaster as a gift.
by cheesepep
Sun May 17, 2015 11:11 am
Forum: Investing - Theory, News & General
Topic: Paying zero fees on a hand picked stock portfolio
Replies: 66
Views: 4896

Re: Paying zero fees on a hand picked stock portfolio

Have you thought about the work involved with rebalancing, collecting and reinvesting dividends, tax-loss harvesting? Considering most of the under-the-scenes work is now done by the broker, it doesn't really matter. I also do a hand-picked portfolio and I have none of those issues. I don't rebalan...
by cheesepep
Thu May 14, 2015 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Conundrum: Can do my own books but banks require CPA statement
Replies: 23
Views: 1770

Re: Conundrum: Can do my own books but banks require CPA statement

I had something like this before, and ended up paying my CPA to do the math. Cost me $3000 or so. However, in my case, I had no choice because I couldn't have done it myself.
by cheesepep
Sun May 10, 2015 8:52 am
Forum: Personal Consumer Issues
Topic: Do banks take loose coinage?
Replies: 55
Views: 4146

Re: Do banks take loose coinage?

I don't know if mine does to does not, but what I do is deposit $20 in bills and about $2 in loose change. I do that several times a month. And yes, I do have a lot of time on my hands.
by cheesepep
Wed May 06, 2015 5:28 pm
Forum: Personal Consumer Issues
Topic: Carpet cleaning
Replies: 3
Views: 551

Re: Carpet cleaning

CWRadio wrote:we were slippers in the house


Did you graduate to being shoes? haha :D
by cheesepep
Wed Apr 29, 2015 3:12 pm
Forum: Personal Consumer Issues
Topic: What do you tip a valet?
Replies: 54
Views: 4507

Re: What do you tip a valet?

I've only used it once, but when I did, there was a sign saying complimentary valet service. I tipped $0. I don't believe in tipping anyway. This was in CA.
by cheesepep
Mon Apr 27, 2015 4:29 pm
Forum: Personal Consumer Issues
Topic: Traveling light up to 2 weeks - ditch the laptop, use phone?
Replies: 54
Views: 4283

Re: Traveling light up to 2 weeks - ditch the laptop, use ph

I just take my iPad and iPhone on short trips. I leave my MBP at home. It works well. I am often using the iPad to watch movies on in the hotel while browsing the web using my phone. I rarely watch TV in the hotels.
by cheesepep
Mon Apr 27, 2015 3:44 pm
Forum: Personal Consumer Issues
Topic: Prepping a house for sale: What are the priorities?
Replies: 33
Views: 3307

Re: Prepping a house for sale: What are the priorities?

You seem to have the basics done. Mow the law, trim the trees, and do some simple staging if possible, especially if a room is not so defined.
by cheesepep
Mon Apr 27, 2015 12:44 pm
Forum: Personal Consumer Issues
Topic: Another reason NOT to use (free) Wifi
Replies: 53
Views: 7122

Re: Another reason NOT to use (free) Wifi

never mind
by cheesepep
Mon Apr 27, 2015 12:18 am
Forum: Personal Consumer Issues
Topic: Been invited to wedding in Disney World. My cost?
Replies: 58
Views: 6946

Re: Been invited to wedding in Disney World. My cost?

I would totally skip it, and send a gift instead.
by cheesepep
Sun Apr 26, 2015 11:35 pm
Forum: Personal Consumer Issues
Topic: Another reason NOT to use (free) Wifi
Replies: 53
Views: 7122

Re: Another reason NOT to use (free) Wifi

I use a VPN whenever I (rarely) use a free WIFI connection. It is not perfect, but it is better than nothing.

And whenever I am not using WIFI (e.g., away from my house), I make sure that WIFI and BT is turned off on my phone.
by cheesepep
Wed Apr 22, 2015 11:08 pm
Forum: Personal Consumer Issues
Topic: Mac computer people (or others) need your thoughts
Replies: 15
Views: 1658

Re: Mac computer people (or others) need your thoughts

Do you use Safari?

In Safari, go to the preferences-->security-->block pop up windows.

Under Privacy-->cookies and website data--> allow from websites I visit.

Then download Adblock (Use Safari menu-->Safari extensions).

You won't have any popups and all is free.
by cheesepep
Wed Apr 22, 2015 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: I am torn about AT&T stock
Replies: 19
Views: 2210

Re: I am torn about AT&T stock

Keep it. I just bought more myself today.
by cheesepep
Tue Apr 21, 2015 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Best way to get rid of practically worthless stock
Replies: 33
Views: 3880

Re: Best way to get rid of practically worthless stock

Give it to your broker to handle (free). Scottrade is good for this. Pay the selling price of about $7.
by cheesepep
Sun Apr 12, 2015 12:09 pm
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 86
Views: 8750

Re: Password manager recommendations?

I use Apple keychain.
by cheesepep
Sat Apr 11, 2015 9:25 pm
Forum: Personal Consumer Issues
Topic: Experience with Apple Pay?
Replies: 32
Views: 2797

Re: Experience with Apple Pay?

I use it all of the time. You do not have to unlock it at all. Just hold the phone with the blank black screen (because the screen is off) next to the card reader and hold your finger on the button. That is all.
by cheesepep
Sat Apr 11, 2015 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One getting out of cash rewards credit cards?
Replies: 12
Views: 3054

Re: Capital One getting out of cash rewards credit cards?

I love my CapOne Venture card. 2% cash back on travel on all expenses. Customer service is not so good however. If someone can offer me better and the same ease of redemption and no foreign transaction fee, I would switch. But that is difficult to do.
by cheesepep
Sat Apr 11, 2015 10:57 am
Forum: Investing - Theory, News & General
Topic: GE stock up 11% on Friday.
Replies: 19
Views: 2459

Re: GE stock up 11% on Friday.

I only own individual stocks. My average cost basis for GE is around $15-$16. Have no plans on selling it.
by cheesepep
Mon Apr 06, 2015 12:42 am
Forum: Investing - Theory, News & General
Topic: Bored -- wondering about day trading for fun
Replies: 61
Views: 6469

Re: Bored -- wondering about day trading for fun

I don't do any professional day trading, but I do do casual day trading, which is the buying and selling of individual stocks. I only do it with a small percentage of my portfolio geared towards play money, however. I can often buy and sell within an hour or three, but sometimes, it ends up with me ...
by cheesepep
Fri Apr 03, 2015 1:05 am
Forum: Personal Consumer Issues
Topic: Microsoft's Surface 3- anyone considering?
Replies: 35
Views: 4271

Re: Surface 3- anyone considering?

I have considered (kind of, sort of) and I also own an iPad air, but I decided it would not be so good because of the constant security problems/malware, and other problems that affect Windows. Also, 12'' will not be a suitable replacement for my 15'' MBP. I'm also happy with my iPad and my MBP, but...
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: 3490

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
Sun Mar 29, 2015 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Estimated Tax Coupons in *.pdf
Replies: 5
Views: 441

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
Sat Mar 28, 2015 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: [Do 457 and extra pension contribs appear on tax return?]
Replies: 6
Views: 937

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
Fri Mar 27, 2015 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: How are qualified dividends taxed?
Replies: 6
Views: 720

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
Thu Mar 26, 2015 11:52 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Deluxe
Replies: 20
Views: 2131

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 ...

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