Search found 464 matches

by cheesepep
Fri Jul 03, 2015 4:10 pm
Forum: Personal Consumer Issues
Topic: Buying a new desktop computer
Replies: 42
Views: 2865

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: 89
Views: 11556

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: 89
Views: 11556

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: 4228

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: 4228

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: 4228

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: 1296

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: 3727

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: 5672

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: 6218

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: 3289

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: 2882

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: 2062

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: 3149

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: 2438

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: 4722

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: 1657

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: 3934

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: 504

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: 4344

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: 4054

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: 3146

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: 6868

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: 6440

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: 6868

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: 1513

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: 2150

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: 3727

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: 8265

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: 2641

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: 2905

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: 2367

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: 6278

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: 4160

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: 3413

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: 419

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: 914

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: 704

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: 2058

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: 2251

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: 6500

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: 8237

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: 5301

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: 903

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: 2121

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: 2191

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: 2339

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: 1739

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: 4344

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...

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