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Re: How would one negotiate with daycare?

First world problems.
by cheesepep
Wed Oct 15, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 33
Views: 2880

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 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on getting out [of job]
Replies: 35
Views: 4474

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 8:33 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8026

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 6:58 pm
 
Forum: Personal Consumer Issues
Topic: Things that you will not spend money on and most people do?
Replies: 78
Views: 3988

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 3:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Can you haggle with online brokers?
Replies: 19
Views: 1518

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 3:03 am
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 262
Views: 12929

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 11:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reminder: estimated taxes due Monday
Replies: 17
Views: 1194

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 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 10283

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 3:50 am
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 10777

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
Thu Sep 11, 2014 12:24 am
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 10777

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 11:57 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3166

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 1:44 am
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 9039

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 11:04 pm
 
Forum: Investing - Theory, News & General
Topic: Philip Morris International and asset allocation
Replies: 8
Views: 663

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 11:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Coming into large sum of money, need help investing
Replies: 7
Views: 1142

Re: Programming and Database Classes

Check out iTunesU.
by cheesepep
Sat Aug 30, 2014 3:30 am
 
Forum: Personal Consumer Issues
Topic: Programming and Database Classes
Replies: 15
Views: 1103

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 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2795

Re: What to do with individual stock I received?

The guy is only 27. Chances are that 20% of his portfolio isn't that much in overall dollar terms. He can, if he wishes, keep the stock and diversify away from the stock buy buying index funds (sinxe this the bogle head forum, not my choice) and eventually be diversified away from the stock. Chances...
by cheesepep
Tue Aug 26, 2014 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with individual stock I received?
Replies: 42
Views: 1998

Re: Dividend Excel Spreadsheet

I don't. I let my brokerage take care of it. If you bought a stock after Jan 1, 2012, your brokerage will calculate the cost basis for you without any input from you (but you can, at your own doing, request FIFO, LIFO).
by cheesepep
Sun Aug 24, 2014 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend Excel Spreadsheet
Replies: 4
Views: 655

Re: Your biggest "Missed Money" event that still kills you?

I bought around one hundred shares of AAPL at about $32 a share in 1996. I sold at $96. Imagine if I had kept my shares and added a few more along the way.
by cheesepep
Wed Aug 20, 2014 5:22 am
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8350

Re: Pressure Cookers?

I own a pressure cooker and I'm scared of it.

I'm always afraid that it will blow up on me. Simple. I use it sometimes, but not as often as I would like. I prefer to use a slow cooker. Nice and easy.
by cheesepep
Wed Aug 20, 2014 12:05 am
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3408

Re: College Counselors

This is kind of unusual for me. When I was in high school and looking to apply for college, I did all of the grunt work and research myself. I spoke to no counselors and just read 1-2 magazines. I wrote the college entrance essays all by myself with no one checking them and I ended up in a decent UC...
by cheesepep
Sat Aug 16, 2014 9:36 pm
 
Forum: Personal Consumer Issues
Topic: College Counselors
Replies: 44
Views: 2660

Re: Would you tip this tour guide?

I don't tip, period. They do their job. I pay whatever fee which was listed. Nothing more.
by cheesepep
Fri Aug 15, 2014 8:26 pm
 
Forum: Personal Consumer Issues
Topic: Would you tip this tour guide?
Replies: 22
Views: 2280

Re: Sandals or similar?

I personally prefer wearing slippers.
by cheesepep
Mon Aug 11, 2014 7:25 pm
 
Forum: Personal Consumer Issues
Topic: Sandals or similar [vacation resort]?
Replies: 15
Views: 1432

Re: Considering a trip to Bali

I would also be interested in hearing some information. I went to Jakarta, Indonesia once and didn't find the place worthwhile. The city had very bad food (all fried); I couldn't believe how a country with some much water-space can have all fried food. Maybe it was just all of the places I went to, ...
by cheesepep
Sat Aug 09, 2014 12:50 am
 
Forum: Personal Consumer Issues
Topic: Considering a trip to Bali
Replies: 10
Views: 1351

Business tenancy agreement question

I know a person who has leased a shop in a foreign country. His lease was not renewed by the landlord, but the landlord is demanding more money. The terms are as follows: 1) He took over the shop/business from the former tenant X in August 2013. 2) X, as far as he knows, had his own lease expire on ...
by cheesepep
Fri Aug 08, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Business tenancy agreement question
Replies: 0
Views: 146

Re: Affording a 1.3 million home?

Back of the napkin calculations says that you can afford it provided that your jobs are stable and you will stay there long-term.
by cheesepep
Wed Aug 06, 2014 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 105
Views: 11561

Re: Dividend Strategy Ain't For Everyone

retiredjg wrote:
cheesepep wrote:Qualified dividends are taxed at fifteen percent max.

I think this might be 20% for those in the top tax bracket.


Yes, thanks for the correction, but for 90% (guesstimate) of people, it will be 15%.
by cheesepep
Mon Aug 04, 2014 8:00 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 149
Views: 11501

Re: Dividend Strategy Ain't For Everyone

Qualified dividends are taxed at fifteen percent max. Qualified dividends, generally speaking, are when you hold a stock for more than three months. So, if you are a dividend investor holding for years, most of your dividends will be qualified and taxed at 15%. 100% of my dividends last year were qu...
by cheesepep
Mon Aug 04, 2014 2:06 am
 
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 149
Views: 11501

Re: Dividend Strategy Ain't For Everyone

Again with the name calling. If you don't agree, then you don't agree. Just because you don't understand and because it hasn't worked for you or it doesn't work for your friend, doesn't mean that it doesn't work. It had worked very well for me. For me, in response to the question above, I am just co...
by cheesepep
Sat Aug 02, 2014 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 149
Views: 11501

Re: Dividend Strategy Ain't For Everyone

I'll try to allay some concerns as a dividend investor. There are many different kinds of dividend strategies, some of which I strongly disagree with. However, one idea, which I profess to, is to own a basketful of stocks (around 15-20) and hold for the long-term. That means that your dividends, if ...
by cheesepep
Fri Aug 01, 2014 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 149
Views: 11501

Re: Any engineers? Studying for Civil-Structural PE

I passed the EE PE on my first time. I didn't attend any classes. I got the PDF which have the overview of the test and bought the official EE book. I then made semi-sloppy notes of every chapter according to the PDF of importance, then I hired a college person to rewrite all of my notes for $100 or...
by cheesepep
Wed Jul 30, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: Any engineers? Studying for Civil-Structural PE
Replies: 15
Views: 1201

Re: Do any boggleheads invest in individual companies?

And it has done well for me; I have beat the market average 7 or 8 times out of ten for the last 4 or so years. We are in a strong bull market for the last 5 year, so if you buy&hold individual stocks, yes you can beat the market. The issue is, what will happen when the correction happens? I wi...
by cheesepep
Tue Jul 29, 2014 9:41 pm
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 5936

Re: Do any boggleheads invest in individual companies?

A handful is significant uncompensated risk, but the function is an asymptote. 50 is more diversification that 15, but little more. At infinity the ratio of std deviation of portfolio of stocks (which have strictly uncorrelated idiosyncratic risk) is 39% as much as 1 stock. At 50 it's 41%, at 15 it...
by cheesepep
Tue Jul 29, 2014 6:10 am
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 5936

Re: Do any boggleheads invest in individual companies?

I have beat the market average 7 or 8 times out of ten for the last 4 or so years. Not trying to flame you, but I can't make heads nor tails of that statement. :| Sorry for not explaining it well. I check my portfolio via Yahoo finance every day. On a daily basis, Yahoo will say your portfolio is u...
by cheesepep
Tue Jul 29, 2014 6:06 am
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 5936

Re: negotiating fees with a real estate agent?

I have. I told a real estate agent I wanted to sell a house. She said six percent. I said four. She remained firm at six. Then I said how about if I give you two houses to sell and can I get four percent? She said yes, and I have her two houses to sell. I never told her two in the beginning. That wa...
by cheesepep
Tue Jul 29, 2014 4:30 am
 
Forum: Personal Finance (Not Investing)
Topic: negotiating fees with a real estate agent?
Replies: 14
Views: 2037

Re: Do any boggleheads invest in individual companies?

100% of my portfolio is in 20 individual stocks. I buy and hold, never sell (almost). I haven't sold a single stock in 1.5 years or more. I just keep buying when the price is right and collect the dividends. And it has done well for me; I have beat the market average 7 or 8 times out of ten for the ...
by cheesepep
Mon Jul 28, 2014 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 5936

Re: is it normal to have more in your taxable accounts

For me, I have more than 10x the amount in my taxable vs my non-taxable accounts. Why? As my income grew, I did not qualify for the Roth IRA accounts and I didn't want to bother with the backdoor Roth. I like to keep things simple. Also, when I eventually became a contractor, I didn't open a solo 40...
by cheesepep
Thu Jun 19, 2014 10:14 pm
 
Forum: Investing - Theory, News & General
Topic: is it normal to have more in your taxable accounts
Replies: 25
Views: 1727

Re: Buying a new mattress and bedding

You can do what I did. I walked into an IKEA store, picked the cheapest bed frame that they had and picked the cheapest foam mattress that they had (after sitting on it for 5 seconds), and walked out a happy customer. 10 mins tops including ordering.
by cheesepep
Mon Jun 16, 2014 2:58 am
 
Forum: Personal Consumer Issues
Topic: Buying a new mattress and bedding
Replies: 38
Views: 3305

Re: What Do You Eat For Snacks?

You guys are weird. I eat a bowl of instant Indonesian ramen. It is the one with the separate sweet soy sauce, oil, and seasoning packets. Yummy!

Sometimes I eat a bowl of black sesame cereal.
by cheesepep
Sat Jun 14, 2014 5:41 am
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 9039

Theoretical investing question

This isn't me, but I wonder if this was feasible: Assuming someone who has no ordinary income (no W-2 income, no 1099 income) whose only source of income comes from long-term or short-term capital gains and qualified dividends. Also assume that through this method, this person can make $100,000 per ...
by cheesepep
Mon Jun 02, 2014 4:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Theoretical investing question
Replies: 5
Views: 376

GoPro IPO

GoPro, the maker of small cameras for enthusiasts, will have an IPO soon. Here is their S1 filing . Any thoughts? The prospects look good to me, and since I'm an individual stocks kind of guy (though not an IPO type of guy), I am going to buy some. Will it be long term? I am not sure. To me, in comp...
by cheesepep
Fri May 23, 2014 3:56 am
 
Forum: Investing - Theory, News & General
Topic: GoPro IPO
Replies: 30
Views: 3029

Re: New PC - Buy Office or use free alternatives

I only use google docs for minor file sharing with my siblings. Nothing too personal.

I use iWork with my Mac, but not the online version.
by cheesepep
Wed May 21, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: New PC - Buy Office or use free alternatives
Replies: 29
Views: 2158

Re: excel or Numbers spreadsheet for medical

I like Numbers. Try to find a free spreadsheet to use online. Even if it is in Excel, it may convert into Numbers. If not, it should be relatively trivial to make your own.
by cheesepep
Wed May 14, 2014 12:01 am
 
Forum: Personal Consumer Issues
Topic: excel or Numbers spreadsheet for medical
Replies: 10
Views: 791

Re: "Retiring" early

He is kind of wondering if this is a smart move by "retiring" so early. He likes his current life right now. I'll tell him about this place.
by cheesepep
Sun May 04, 2014 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: "Retiring" early
Replies: 18
Views: 3223

"Retiring" early

I know a person who is in his early 30s, single, and currently rents. He recently quit his low 6-figure job, which he has worked for a number of years. Through investments, an inheritance, and savings, he has about a $2,000,000 portfolio, of which about $1,200,000 is in dividend paying stocks, and t...
by cheesepep
Sun May 04, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: "Retiring" early
Replies: 18
Views: 3223

Re: Online Wills

Generally speaking, an online will is OK if you don't have many assets. A trust is better if you want to have some say after you die. An online trust is also ok. A lawyer is best if you have more than a few assets.
by cheesepep
Sun Mar 16, 2014 11:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online Wills
Replies: 27
Views: 2692

Re: Tipping for take out

I have never ordered take-out from a sit-down restaurant before, but if I did, I wouldn't tip.

In sit-down restaurants, I always sit-down and eat. If I want takeout, I go to typical take-out places (McDonald's, etc).
by cheesepep
Fri Mar 07, 2014 3:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Tipping for take out
Replies: 57
Views: 5438

Re: Will this affect your Tipping?

As for me, I hate waiters bugging me with questions, such as: "Do you want more water/coffee/tea?" ; "How is your meal?" ; "How about dessert?" If I wanted something, I would tell you. I don't want to be pestered and want to be left ALONE when I eat. Take my order, and ...
by cheesepep
Thu Mar 06, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 9048

Re: Form 5471 and Turbotax

I appreciate the concern, but if I was going for the DIY route, can I do this (include 5471 with tax forms prepared using TT and paper file the thing)?
by cheesepep
Wed Feb 12, 2014 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Form 5471 and Turbotax
Replies: 7
Views: 743

Form 5471 and Turbotax

I need to fill in Form 5471 and I want to use TurboTax. I know that TT does not allow efiling of form 5471, nor does it support the form. My plan is to manually fill in form 5471 and enter the data into TT ( Form 1040, line 21 (Other Income)). Then, I would print all of the forms and mail the packag...
by cheesepep
Wed Feb 12, 2014 12:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Form 5471 and Turbotax
Replies: 7
Views: 743
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