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by cheesepep
Sat May 23, 2015 8:15 pm
Forum: Personal Consumer Issues
Topic: Building a guest house
Replies: 20
Views: 1711

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: 35
Views: 2198

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: 1966

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: 3954

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: 1529

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: 3468

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: 433

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: 3983

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: 3560

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: 2910

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: 6233

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: 5945

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: 6233

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: 1400

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: 2034

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: 15
Views: 1532

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: 48
Views: 3033

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: 2505

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: 2781

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: 2208

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: 5939

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: 3892

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: 3264

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: 375

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: 889

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: 664

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: 1951

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
Wed Mar 25, 2015 7:38 pm
Forum: Personal Consumer Issues
Topic: Need a tablet maybe
Replies: 26
Views: 2058

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
Fri Mar 20, 2015 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Does your CPA/Tax Person help with reducing your taxes?
Replies: 66
Views: 6008

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
Sun Mar 08, 2015 11:02 am
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 7647

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
Tue Mar 03, 2015 8:36 pm
Forum: Personal Consumer Issues
Topic: Tourists in Manhattan
Replies: 53
Views: 4956

Re: Tourists in Manhattan

I would take Lyft or Uber if you need to.
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: 878

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
Mon Jan 26, 2015 9:17 am
Forum: Personal Consumer Issues
Topic: Android or iPhone? Which do you like, and why?
Replies: 40
Views: 2032

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
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: 2133

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 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Another Down Payment Math Problem
Replies: 14
Views: 2228

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
Sun Jan 11, 2015 11:12 am
Forum: Personal Consumer Issues
Topic: Home office printer
Replies: 19
Views: 1653

Re: Home office printer

Brother all-in-one mono laser printer. Any kind will do.
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: 2652

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 4:28 pm
Forum: Personal Consumer Issues
Topic: UPF / Hot Weather Clothing
Replies: 8
Views: 951

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 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Who's buying Oil stocks?
Replies: 106
Views: 11850

Re: Who's buying Oil stocks?

I am happily buying more oil stocks. Long big oil!
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: 2652

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
Thu Jan 08, 2015 10:35 am
Forum: Personal Finance (Not Investing)
Topic: IRS reporting requirements for family mortgage
Replies: 5
Views: 447

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
Wed Jan 07, 2015 7:19 pm
Forum: Personal Consumer Issues
Topic: Mac Antivirus
Replies: 15
Views: 1316

Re: Mac Antivirus

Have never used any antivirus program on my Mac, ever. No need. Keep your Mac updated.
by cheesepep
Tue Jan 06, 2015 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Small estate affidavit question
Replies: 6
Views: 482

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 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Small estate affidavit question
Replies: 6
Views: 482

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
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: 2143

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 7:40 pm
Forum: Investing - Theory, News & General
Topic: Oil price goes down,any investment opportunities?
Replies: 9
Views: 1335

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 Dec 29, 2014 4:51 pm
Forum: Personal Consumer Issues
Topic: Do any other men here regulalry use skin care products?
Replies: 45
Views: 3915

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

I use nothing, seriously.

I should use something, however.
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: 2839

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
Sat Dec 20, 2014 10:33 pm
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 9819

Re: How do you define "being rich"?

It is when you worry more about taxes than income.

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