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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: 105
Views: 4954

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: 1520

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: 927

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: 2008

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: 57
Views: 5038

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: 1683

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: 2724

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: 56
Views: 3875

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: 55
Views: 4191

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: 30
Views: 2033

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: 2465

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: 7745

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: 82
Views: 6073

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: 693

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: 693

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: 16562

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: 1497

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: 120
Views: 7861

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: 12843

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: 1748

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: 973

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: 1291

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: 7559

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: 7164

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: 4620

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: 2132

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: 2888

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: 9882

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: 706

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: 706

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: 706

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: 1842

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: 10791

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: 10791

Re: How would one negotiate with daycare?

First world problems.
by cheesepep
Wed Oct 15, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 34
Views: 3273

Re: Thoughts on getting out [of job]

Easy decision for me. Quit and find another job. That job can be part-time. To save costs, make the kids pay part of their own tuition. Problem solved.
by cheesepep
Mon Oct 13, 2014 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on getting out [of job]
Replies: 37
Views: 5248

Re: What have you done to cut costs this year?

Got rid of two butlers. Who needs five butlers anyways?
Sold off my yacht.
Passed through the McDonald's drive thru in my Bentley instead of having the deluxe steak and lobster dinner at the Four Seasons.

/s
by cheesepep
Thu Oct 09, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 134
Views: 12393

Re: Things that you will not spend money on and most people

Tipping. I tip below what most people here would tip.
TV. I don't own one.
Internet. I go to the library and use my VPN.
Alcohol
Starbucks
Tobacco
Expensive clothes and shoes
Organic food
by cheesepep
Wed Oct 08, 2014 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Things that you will not spend money on and most people do?
Replies: 78
Views: 4201

Re: Can you haggle with online brokers?

Scottrade, which is not really a true online broker because they have some physical offices as a matter of convenience, will give you free trades. You just have to ask. I regularly get tens of free trades every time I move more money into my account. I just call/ask the person first and the day afte...
by cheesepep
Sat Sep 20, 2014 2:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Can you haggle with online brokers?
Replies: 19
Views: 1558

Re: Hamilton watches, worth the money?

IMO, almost all watches, including dress watches, look better with a nice leather band. Metal bands look icky to me. But I own a digital Suunto and Timex watch because I cannot tell the time on an analog watch (much faster for me on digital). That being said, I might get the Hamilton Khaki watch for...
by cheesepep
Tue Sep 16, 2014 2:03 am
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 262
Views: 14895

Re: Reminder: estimated taxes due Monday

I use EFTPS myself. It is easy to use, but the website could use some updating by using larger buttons and clearer wording.
by cheesepep
Sat Sep 13, 2014 10:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reminder: estimated taxes due Monday
Replies: 17
Views: 1220

Re: Buffett: Modern investment theory is horse-pucky

I read seekingalpha.com all the time because I am a DGI investor. However, some of the posters/authors there really annoy me because they always mathematically prove, using charts, formulas, numbers, to show why they are correct. I always ignore all of those. I only focus on P/E and one-two other ba...
by cheesepep
Thu Sep 11, 2014 9:47 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 10471

Re: "Why 97% of People Don't Use 529 College Savings Plans."

I will never use a 529 plan because of simplicity. Imagine I have two kids so I have two 529 plans, a 401K (at least 1), a ROTH, HSA, taxable (maybe more than 1), etc. Too much for me. I like simplicity . I like to have as few accounts as possible. It keeps my money more focused. I'd rather have mo...
by cheesepep
Thu Sep 11, 2014 2:50 am
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 11173

Re: "Why 97% of People Don't Use 529 College Savings Plans."

I will never use a 529 plan because of simplicity. Imagine I have two kids so I have two 529 plans, a 401K (at least 1), a ROTH, HSA, taxable (maybe more than 1), etc. Too much for me. I like simplicity .

I like to have as few accounts as possible. It keeps my money more focused.
by cheesepep
Wed Sep 10, 2014 11:24 pm
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 11173

Re: Poll: Which iPhone 6?

I bought an LG G3 two weeks ago. Turns out the G3 is superior to the iPhone 6 Plus in just about every way : 5.7 display vs 5.5, 2560x1440 resolution vs 1920x1080, 3GB RAM vs 1GB, 2.5 GHz CPU vs 2 GHz, G3 has a microSD slot vs none for iPhone, shoots 4K video vs HD video, 13 mp rear camera / 2 mp f...
by cheesepep
Tue Sep 09, 2014 10:57 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3320

Re: What Do You Eat For Snacks?

I eat whatever. I don't take vitamins, eat organic, or whatever.

I'm at a normal weight.

I like eating coconut tarts for dessert. 1 small one is very filling, surprisingly.
by cheesepep
Tue Sep 09, 2014 12:44 am
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 9236

Re: Philip Morris International and asset allocation

I own both MO and PM. I don't classify my stocks as either being domestic or international. Many so-called domestic stocks bring in a large part of their income from overseas. I classify, just mentally, it as being "tobacco."
by cheesepep
Mon Sep 08, 2014 10:04 pm
 
Forum: Investing - Theory, News & General
Topic: Philip Morris International and asset allocation
Replies: 8
Views: 699

Re: Coming into large sum of money, need help investing

Under those conditions, I will sit on the money for 2-3 months, pay off the house, and then invest the rest of the money slowly over the next 5 years in the stock market/bonds/CDs. If you want, you can invest in real estate.
by cheesepep
Thu Sep 04, 2014 10:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Coming into large sum of money, need help investing
Replies: 7
Views: 1160

Re: Programming and Database Classes

Check out iTunesU.
by cheesepep
Sat Aug 30, 2014 2:30 am
 
Forum: Personal Consumer Issues
Topic: Programming and Database Classes
Replies: 15
Views: 1116

Re: Poll: How many own zero/few stocks?

I am in a 100% stock portfolio and I have no intentions on changing. I have done well myself and have outperformed the greater market by any measurements. Yes, there are people who can outperform the market -- people who are smarter than the average bear. I don't consider myself to be Buffet's equal...
by cheesepep
Fri Aug 29, 2014 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2870
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