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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: 2416

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: 4566

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: 7551

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: 575

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: 575

Re: Why Own Bonds at All?

I personally do not own any bonds, but I see why some people do - it is for safety in uncertain times.
by cheesepep
Fri Feb 07, 2014 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: Why Own Bonds at All?
Replies: 492
Views: 28361

Re: How much to get your taxes done?

I'm curious, but how long from the time you drop off your paperwork until finish does your CPA take?
by cheesepep
Mon Feb 03, 2014 2:57 am
 
Forum: Personal Finance (Not Investing)
Topic: How much to get your taxes done?
Replies: 31
Views: 3021

Re: Can we/should we afford this house?

This is kind of a no brainer type of deal as shown by several other posters. You obviously have the money, so go buy it. I wonder what is the purpose of posting here? To flaunt your wealth?
by cheesepep
Sat Feb 01, 2014 3:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Can we/should we afford this house?
Replies: 63
Views: 4367

Re: Did you have a Lousy Job as a teen / young adult?

Working at a mom and pop style pizza parlor. Making the dough, cutting the cheese, making the sauce, and other stuff was a ton of work. Nothing was automated. Everything used muscle and lots of it. Tending the pizza oven on a hot summer day was torturous. Maintaining 10-12 large pizzas at one time i...
by cheesepep
Tue Jan 21, 2014 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Did you have a Lousy Job as a teen / young adult?
Replies: 127
Views: 4829

Re: How much do you spend on books a year?

$0. I haven't actively read any books since 7th grade. I thought reading books was dead; imagine my surprise when Amazon.com came out of nowhere selling books.
by cheesepep
Fri Jan 03, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: How much do you spend on books a year?
Replies: 47
Views: 1920

Re: Tipping a taxi driver on a snow day?

I pay the exact fair, rounding off any change to the nearest dollar. Yes, that is what I do, and no, I have never taken a taxi in the US before.
by cheesepep
Wed Dec 18, 2013 12:33 pm
 
Forum: Personal Consumer Issues
Topic: Tipping a taxi driver on a snow day?
Replies: 36
Views: 2311

Re: Splitting costs on beach house

I'm curious, but about how much would it costs to rent such a house?
by cheesepep
Wed Dec 11, 2013 12:42 am
 
Forum: Personal Consumer Issues
Topic: Splitting costs on beach house
Replies: 18
Views: 1694

Re: Chromebook as main computer?

Just as a FYI, because Chromebooks are tied to Google, all of your data belongs to Google (or at least linked to or ads placed or....). That reason along is enough for me to not use Chromebooks. That is one of the reasons why they are so cheap.
by cheesepep
Tue Dec 10, 2013 7:11 am
 
Forum: Personal Consumer Issues
Topic: Chromebook as main computer?
Replies: 73
Views: 5547

Re: Postdoc Position- Worth it for Career as Engineer?

Most postdocs, in my opinion, only do so because they cannot find a real job (90% of the time), or too afraid of leaving the baby nest, which is the university (5%). The other 5% or so actually want to be there.
by cheesepep
Tue Dec 10, 2013 3:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Postdoc Position- Worth it for Career as Engineer?
Replies: 23
Views: 2274

Need lawyer help regarding lease of business property

Tenant B purchased a small business in August 2013 from Tenant A for a fair sum of money (near $100,000). The business is located in a shopping district run by Landlord. The tenancy agreement for Tenant B runs from April 2013-March 2014 (April 2013 is when the old tenancy agreement of Tenant A expir...
by cheesepep
Tue Dec 03, 2013 3:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Need lawyer help regarding lease of business property
Replies: 10
Views: 564

Re: Quick tax question regarding sale of house and stock

Thanks for your reply. Yes, it was the latter, because the house was passed down to us during the housing bubble days. After the passing, we just didn't want to deal with it for a while, and then the housing crashed along with the value of the house. It was never intended as a second residence or an...
by cheesepep
Sun Dec 01, 2013 11:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quick tax question regarding sale of house and stock
Replies: 13
Views: 519

Re: Quick tax question regarding sale of house and stock

Likewise, a stock passed to me by the same individual had a value of 200,000 at the time of death and was sold this year for 300,000. This is a 100,000 gain. You may have difficulty proving that it was in fact a rental if it was vacant the entire time. Was it listed? Also, I seem to recall that the...
by cheesepep
Sun Dec 01, 2013 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Quick tax question regarding sale of house and stock
Replies: 13
Views: 519

Re: Quick tax question regarding sale of house and stock

I want to keep it in its most simplistic form as I said without considering other factors. It seems that the answer is no.

To add more details, the house was vacant throughout those several years and so no income was derived from there.
by cheesepep
Sun Dec 01, 2013 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Quick tax question regarding sale of house and stock
Replies: 13
Views: 519

Re: Quick tax question regarding sale of house and stock

I will do so, but as I said, assume no other facts are present ( eg., zero loss carryover, zero commission ). Can the $100000 gain from the stock offset the $100,000 loss from the sale of the stock to essentially have zero income. Again, just want to keep it simple.
by cheesepep
Sun Dec 01, 2013 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Quick tax question regarding sale of house and stock
Replies: 13
Views: 519

Re: Quick tax question

Sorry, rental.
by cheesepep
Sun Dec 01, 2013 8:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Quick tax question regarding sale of house and stock
Replies: 13
Views: 519

Quick tax question regarding sale of house and stock

Assume a house was passed to me via death of a parent several years ago. The house was valued at 300,000 at the time of death. The house was sold in 2013 for 200,000. Question one, is this technically considered a 100,000 lost? Likewise, a stock passed to me by the same individual had a value of 200...
by cheesepep
Sun Dec 01, 2013 8:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Quick tax question regarding sale of house and stock
Replies: 13
Views: 519

Re: How do you feel about paperless statements?

With Vanguard, I opt for paperless with the exception of year-end statements and tax documents that I receive on paper for my 'permanent' records. I do this also, but with Sharebuilder (I don't Vanguard (used as a verb)) and my other financial places. I also don't check my statements per say. I jus...
by cheesepep
Mon Nov 18, 2013 4:34 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you feel about paperless statements?
Replies: 101
Views: 4947

Re: How many funds do you have in your portfolio?

20 individual dividend growth stocks in my main portfolio
by cheesepep
Mon Nov 11, 2013 10:29 am
 
Forum: Investing - Theory, News & General
Topic: How many funds do you have in your portfolio?
Replies: 96
Views: 5753

Re: sellers remorse [Individual stocks to index funds]

No sellers remorse here. Individual stocks for life!
by cheesepep
Sat Oct 19, 2013 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: sellers remorse [Individual stocks to index funds]
Replies: 22
Views: 2382

Re: Good operating system for my parents

Anyone who recommends a Linux box as a basic computer for parents who don't really know how to use a computer is an idiot. It doesn't matter which distribution that they use. Buy a basic, new Windows 7 box.
by cheesepep
Fri Oct 18, 2013 3:19 am
 
Forum: Personal Consumer Issues
Topic: Good operating system for my parents
Replies: 68
Views: 3089

Re: How much do you spend annually on commissions?

I put $200 because I buy every week or so. I only buy individual stocks (never sell, just buy) and hold for the long-term.
by cheesepep
Thu Oct 03, 2013 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much do you spend annually on commissions?
Replies: 34
Views: 2136

Re: career in music?

For most people, the job future would go along the lines if "do you want fries with that?" But for her, it seems to be different but I would try to encourage her to other stuff also.
by cheesepep
Fri Sep 27, 2013 11:33 pm
 
Forum: Personal Consumer Issues
Topic: career in music?
Replies: 45
Views: 2547

Re: Advising a Future Engineer

No one is going to hire a high school person for a sumer internship that is engineering related unless the student is really superb and/or has connections. I, as an engineer, suggest he go to programming camp. Learning C or one of its variants is always a good start. edit* Definitely take physics in...
by cheesepep
Thu Sep 26, 2013 7:23 am
 
Forum: Personal Consumer Issues
Topic: Advising a Future Engineer (Updated)
Replies: 42
Views: 2227

Re: Nanny Taxes

I'm glad that I live in a country/city where this stuff is a non-issue.
by cheesepep
Wed Sep 25, 2013 2:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Nanny Taxes
Replies: 11
Views: 756

Re: What is the right time to rebalance?

I never rebalance in the traditional sense. I only own individual stocks so if I feel that I am overweight in a particular sector, I do not sell any stocks within that sector. Instead, I buy other stocks in other sectors so I have less weight in that first sector. But , I also don't have any strict ...
by cheesepep
Tue Sep 17, 2013 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the right time to rebalance?
Replies: 14
Views: 1373

Re: I spend 6.1% of my Gross income on rent

I live in one of the most expensive areas in one of the most expensive cities in the world and spend about 10% of my monthly income on rent including utilities.
by cheesepep
Mon Sep 16, 2013 2:44 am
 
Forum: Personal Finance (Not Investing)
Topic: I spend 6.1% of my Gross income on rent
Replies: 62
Views: 5645

Re: Google Contact List creeping towards google + integrati

Google creeps me out sometimes. I only use it for email ( use apple Mail as client so I never see ads) and google maps. I hate out it integrated itself with YouTube considering I had a YouTube account before google bought it and I cannot remember my old password so I am forced to use my google accou...
by cheesepep
Sun Sep 15, 2013 4:41 am
 
Forum: Personal Consumer Issues
Topic: Google Contact List creeping towards google + integration
Replies: 75
Views: 4575

Re: Got fired earlier this week, now the boss wants me back

Sure, I would go for it. I would also be looking for another better job in the meantime and quit right away as soon as I found one.
by cheesepep
Sat Sep 14, 2013 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Got fired earlier this week, now the boss wants me back
Replies: 123
Views: 10929

Re: Individual Stocks - Do you own any?

My entire portfolio only consists of individual stocks. 19 or so. I keep it under 20.
by cheesepep
Wed Sep 04, 2013 7:35 am
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks - Do you own any?
Replies: 97
Views: 6532

Re: Choice Of Weapon For Personal Home Self Defense

I have a golf club near the door. I can also have a meat cleaver ready within a few seconds.
by cheesepep
Mon Aug 26, 2013 5:42 am
 
Forum: Personal Consumer Issues
Topic: Choice Of Weapon For Personal Home Self Defense
Replies: 123
Views: 5656

Re: reinvesting dividends from taxable accounts?

As of 2012 year ( or 2013?), all brokerage firms are required to calculate the cost basis of all of your stocks first purchased in 2012/2013. Anything before that is your problem.
by cheesepep
Sun Aug 18, 2013 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: reinvesting dividends from taxable accounts?
Replies: 7
Views: 656

Re: Best On Line Bank?

Nothing wrong with a megabank. I love ING direct and their interface. Works well with my Sharebuilder account also. I just wish they stuck with the old orange interface and logo, which is better looking.

I tend to use ING direct and a brick-and-mortar bank.
by cheesepep
Sat Aug 17, 2013 11:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best On Line Bank?
Replies: 31
Views: 4037

Re: Clearing car "Check Engine" light

I always get scared when the check engine light goes on. I will go to AutoZone next time for a free read.
by cheesepep
Mon Aug 12, 2013 4:52 am
 
Forum: Personal Consumer Issues
Topic: Clearing car "Check Engine" light
Replies: 40
Views: 3308

Re: Tipping House Cleaning Service

Takes 4-6 guys to clean the windows of a 2-story house? Wow. I usually see only about 3 guys cleaning windows of skyscraper buildings.
by cheesepep
Mon Aug 12, 2013 1:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Tipping House Cleaning Service
Replies: 13
Views: 1404

Re: Tipping

I tip between 0-12%, never more in restaurants. About 20% for a haircut since my haircuts are about $12. Anything more is insane. I despise tipping. Tipping someone more money to carry your $50 steak at Ruth Chris takes the same amount of effort as a $7 stack of pancakes at IHOP. And yes, I've worke...
by cheesepep
Sat Aug 03, 2013 6:46 am
 
Forum: Personal Consumer Issues
Topic: Tipping
Replies: 101
Views: 5345

Re: Should I get a MBA?

I enrolled in an MBA program for 1 quarter before dropping because I thought it was useless. The concepts were really simple, all common sense ideas. The students were all idiots (in my humble opinion). I'm glad that I did drop. I make good money now and work very few hours. I also did something sim...
by cheesepep
Thu Aug 01, 2013 3:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I get a MBA?
Replies: 37
Views: 2993

Re: Audi A4 versus Volvo S60 Sedan

My friends who have owned Audis before always vow to never buy them again. Repairs are expensive and too many to be done. All of the repairs are minor but expensive.
by cheesepep
Sun Jul 28, 2013 6:19 pm
 
Forum: Personal Consumer Issues
Topic: Audi A4 versus Volvo S60 Sedan
Replies: 25
Views: 2663

Re: What's your budget look like?

I don't budget at all. My salary far exceeds my spending and I'm naturally frugal (for most items).
by cheesepep
Mon Jul 22, 2013 2:38 am
 
Forum: Personal Finance (Not Investing)
Topic: What's your budget look like?
Replies: 45
Views: 3387

Re: Pay keeping up with inflation for your job?

It depends on your age and your family. If your job is stable and you have no need to move elsewhere and have a family, stay with your job. Find a side job if you need more income or politely ask for a raise. For me, I also have not had a raise for a while, but am OK with it because I have found oth...
by cheesepep
Wed Jul 17, 2013 3:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Pay keeping up with inflation for your job?
Replies: 52
Views: 4520

Re: Why do so many do the opposite of Mr. Bogle suggests?

That's all well and good, but if while skinning the cat your way you ignore its entire underside you are doing it wrong. The goal is the same, skinning the cat, your goal is not different than the 'index investor' even if you use a different means and if your means results in lower total return for...
by cheesepep
Mon Jul 15, 2013 11:57 am
 
Forum: Investing - Theory, News & General
Topic: Why do so many do the opposite of Mr. Bogle suggests?
Replies: 76
Views: 5553

Re: Why do so many do the opposite of Mr. Bogle suggests?

Me. I hold individual stocks. Has been wildly successful for me with a continuous stream of dividends every month. Takes more work for sure, but I enjoy it. How do you compare against the S&P? And how long has it been successful for you? It is a different comparison because my goal as a dividen...
by cheesepep
Mon Jul 15, 2013 3:45 am
 
Forum: Investing - Theory, News & General
Topic: Why do so many do the opposite of Mr. Bogle suggests?
Replies: 76
Views: 5553

Re: Why do so many do the opposite of Mr. Bogle suggests?

Me. I hold individual stocks. Has been wildly successful for me with a continuous stream of dividends every month. Takes more work for sure, but I enjoy it. How do you compare against the S&P? And how long has it been successful for you? It is a different comparison because my goal as a dividen...
by cheesepep
Sun Jul 14, 2013 12:06 pm
 
Forum: Investing - Theory, News & General
Topic: Why do so many do the opposite of Mr. Bogle suggests?
Replies: 76
Views: 5553

Re: Why do so many do the opposite of Mr. Bogle suggests?

Me. I hold individual stocks. Has been wildly successful for me with a continuous stream of dividends every month. Takes more work for sure, but I enjoy it.
by cheesepep
Sun Jul 14, 2013 9:40 am
 
Forum: Investing - Theory, News & General
Topic: Why do so many do the opposite of Mr. Bogle suggests?
Replies: 76
Views: 5553

Re: Email more efficient than phone calls?

I don't like voicemails. Luckily, I have someone who transcribes the substance of the voicemails and emails me. :D
by cheesepep
Wed Jul 10, 2013 11:12 pm
 
Forum: Personal Consumer Issues
Topic: Email more efficient than phone calls?
Replies: 42
Views: 2079

Re: Help Me Replace my NetGear Wireless Router

I bought an Apple airport time capsule. Pretty happy with it since I have a laptop which would not get backed up since I hate hooking up cables to it. It backs up wirelessly by itself.
by cheesepep
Sat Jul 06, 2013 7:18 am
 
Forum: Personal Consumer Issues
Topic: Help Me Replace my NetGear Wireless Router
Replies: 36
Views: 2562
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