Search found 571 matches

by cheesepep
Sun May 22, 2016 11:59 pm
Forum: Personal Consumer Issues
Topic: Amazon has no head to head competitors?
Replies: 71
Views: 4194

Re: Amazon has no head to head competitors?

I don't comparison shop on Amazon. If the price seems reasonable, I will buy it.

Same goes for Walmart and other stores. I'm not a huge buyer of goods.

I look for ROMT (return on my time), and not ROI.
by cheesepep
Fri May 20, 2016 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Scottrades new game
Replies: 20
Views: 2756

Re: Scottrades new game

I personally like scottrade and won't be leaving them anytime soon. Their free trades and cash bonus is nice and I don't buy any funds from them. I don't use their offices often but they are nice when needed. Big bonus is that they don't really care which part of the world where you trade from unlik...
by cheesepep
Sun May 15, 2016 8:50 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 61
Views: 6346

Re: Jim Cramer doesn’t beat the market

For reasons irrelevant to this thread, I will not explain.

To keep it on topic, some people like JC, some people do. I'm in the party who doesn't.
by cheesepep
Sun May 15, 2016 6:14 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 61
Views: 6346

Re: Jim Cramer doesn’t beat the market

I get what you are saying, but your statement is kinda not right. If your assets produce income for you that's great, but not if the assets lose value while spinning off the income. And the fact that you are not trying to "beat the market" doesn't negate the fact that a professional money...
by cheesepep
Sun May 15, 2016 1:25 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 61
Views: 6346

Re: Jim Cramer doesn’t beat the market

I hate Jim Cramer just as much as the next guy with his annoying sounds, but there are some people like me who do not aim to beat the market. My aim is to produce sustainable income to retire early which has worked wonderfully for me.
by cheesepep
Thu May 12, 2016 7:06 pm
Forum: Personal Consumer Issues
Topic: When is cash better than plastic?
Replies: 74
Views: 6601

Re: When is cash better than plastic?

I used to only keep $20 in my wallet and nothing else. Forced me to save my money. Can't do that with a credit card. You spend only what you have and not what you are limited to.
by cheesepep
Wed May 11, 2016 6:50 am
Forum: Investing - Help with Personal Investments
Topic: Freeriding Warning Notice - Confused.
Replies: 4
Views: 1233

Re: Freeriding Warning Notice - Confused.

I strongly suggest not doing margin because it confuses (at least me) how much actual money you have and how much money you need to put in.

I always get those messages from sharebuilder and just ignore them. Only did the free riding thing once which isn't a big deal. It is not a penalty of any sort.
by cheesepep
Tue May 03, 2016 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Potential Employer was excited to hire me! Then silence... What did I do?
Replies: 60
Views: 6351

Re: Potential Employer was excited to hire me! Then silence... What did I do?

Very akin to my dating life. Go on date with girl. All goes well (in my opinion). The next few days pass and nothing happens. I ask her out again. "Busy" is the answer or I'm on the ignore list. Never heard from her again.
by cheesepep
Mon May 02, 2016 10:33 pm
Forum: Personal Consumer Issues
Topic: Buying a house, but sold as is?
Replies: 27
Views: 2550

Re: Buying a house, but sold as is?

Like others said, place an offer contingent on a house inspection. If that fails, no pain, no gain.
by cheesepep
Sat Apr 30, 2016 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: landlord problem
Replies: 29
Views: 2840

Re: landlord problem

Definitely a first world western problem if I have ever seen one before. You have a stove, right? Use it.

I almost never use the oven.

But you are in the right that the landlord has to have it fixed in a timely manner, but I would make a big fuss over it.
by cheesepep
Thu Apr 28, 2016 9:44 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 5713

Re: What's become of Consumer Reports?

I don't see why anyone would ever subscribe to such a magazine. I could see someone buying a magazine time time to time but never subscribe.

You can also see the magazine in your local library for free or read reviews online.
by cheesepep
Thu Apr 28, 2016 5:35 am
Forum: Personal Consumer Issues
Topic: Trip to Southern California next week - things to do?
Replies: 19
Views: 1378

Re: Trip to Southern California next week - things to do?

Unless you are an Western art fan, I highly recommend not to go to the Getty center. I've been there twice unfortunately with friends and family and it is the most useless thing ever. The architecture and plant arrangements do not make up for the complete boredom.
by cheesepep
Wed Apr 27, 2016 1:43 am
Forum: Personal Consumer Issues
Topic: CVT car transmissions
Replies: 25
Views: 2348

Re: CVT car transmissions

I own a 2015 Honda CR-V with CVT. It is fine but has a whining noise at low speeds. I sent it to two separate dealers and they said it was normal for CVTs to do that. I did a bit of research online and it seems to be true, but I'm definitely no car guy. Just a FYI.
by cheesepep
Tue Apr 26, 2016 3:31 am
Forum: Personal Finance (Not Investing)
Topic: Why have a formal budget?
Replies: 82
Views: 5713

Re: Why have a formal budget?

I have never had a budget since I started working. My spending always is less than my earnings and whatever is left is my savings which is a decent amount also.
by cheesepep
Mon Apr 25, 2016 5:07 am
Forum: Personal Consumer Issues
Topic: Security features of a good front door
Replies: 34
Views: 2692

Re: Security features of a good front door

A strong front door is near useless. The burglar will just break a window around the corner. Placing a fake security camera on the corners of the house along with an ADT sign in front and the back of the house would prove far more useful. A dog would also be great.
by cheesepep
Sun Apr 24, 2016 7:51 pm
Forum: Investing - Theory, News & General
Topic: dividend stocks
Replies: 175
Views: 9650

Re: dividend stocks

Buffet has said that although this company doesn't pay a dividend, he does like getting the dividends from the companies in his portfolio.
by cheesepep
Sat Apr 23, 2016 9:36 pm
Forum: Investing - Theory, News & General
Topic: dividend stocks
Replies: 175
Views: 9650

Re: dividend stocks

I am a huge dividend fan. I know people here hate dividends and even shy away from it for reasons valid and invalid (see tax debate above which has been disproven), but for me, I love dividends!
by cheesepep
Tue Apr 19, 2016 12:18 am
Forum: Personal Consumer Issues
Topic: Laptop - Touch Screen?
Replies: 22
Views: 1568

Re: Laptop - Touch Screen?

I wouldn't be adverse to buying one with a touch screen but the fact is that people will always overwhelmingly use the touchpad and/or mouse much more than the touchscreen. It is because the hand needs to be raised every time an action is performed which is tiring quickly. I do admit that the touchs...
by cheesepep
Mon Apr 18, 2016 10:12 pm
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 53
Views: 3035

Re: Passport photo DIY - anyone done it easily?

My brother had his done at Costco. Less than $5 for 5 photos.

Of course, you do have to keep aware that for visas of certain countries that they have different requirements for the pictures. Some cannot have blue background, must be of certain size, etc...
by cheesepep
Sat Apr 16, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with CapitalOne?
Replies: 28
Views: 2115

Re: Experience with CapitalOne?

Huge CO user and like it a lot. I have the Venture card. Can use the rewards as soon as the sale using your cc posts. Huge downside is when you lose your credit card overseas. Huge pain and time consuming for them to send you a new one. Best way is for them to send to your US address, have someone i...
by cheesepep
Tue Apr 12, 2016 7:58 pm
Forum: Personal Consumer Issues
Topic: Chimney repair - who to call?
Replies: 7
Views: 874

Re: Chimney repair - who to call?

Ghostbusters!
by cheesepep
Sat Apr 09, 2016 3:37 am
Forum: Personal Finance (Not Investing)
Topic: Foreign earned income exclusion
Replies: 24
Views: 1395

Re: Foreign earned income exclusion

Some other things to consider. You may be exempt from federal taxes but you still have to pay for obamacare, state taxes (CA makes it impossible to be exempt from), social security taxes, and so on. So the deal is good but it is not great.
by cheesepep
Thu Apr 07, 2016 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: IRS cashed unsigned check
Replies: 40
Views: 4328

IRS cashed unsigned check

I had to pay estimated taxes. I wrote a check in xxx amount and mailed it. But soon afterwards, I realized that I may have forgotten to sign it. I figured instead of placing a stop check on that particular check (and incurring fees), the IRS would realize that it couldn't be cashed and send me a not...
by cheesepep
Mon Apr 04, 2016 4:49 am
Forum: Personal Consumer Issues
Topic: do you do airbnb ??
Replies: 64
Views: 4524

Re: do you do airbnb ??

I have tried a few times with good success. However, if I can afford it, I do prefer a hotel room. When I do AirBnB, I try to look for rooms with a private bathroom, if available.
by cheesepep
Mon Mar 28, 2016 10:58 am
Forum: Personal Consumer Issues
Topic: Your fav [US domestic] airline - as far as flying experience?
Replies: 72
Views: 3795

Re: Your fav [US domestic] airline - as far as flying experience?

I haven't flown much in the US, but I did like Southwest and their quirky remarks about buckling up. Alaskan airlines was good also.
by cheesepep
Wed Mar 23, 2016 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord issues
Replies: 7
Views: 1065

Re: Landlord issues

Thanks for the replies. Yes, via the website, I found that he is indeed in jail. He has some court hearings coming up, but the best way is to wait until his rent is due, go through eviction proceedings, and then it is all ok. But let his sister (who is his sister) take his belongings and dispose of ...
by cheesepep
Wed Mar 23, 2016 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord issues
Replies: 7
Views: 1065

Landlord issues

I know a friend who rented a single family residence to a guy on a month-to-month tenancy agreement. His month ends April 4, 2016. Supposedly this guy is now or will be incarcerated for a long time. His sister is willing to move the stuff out of the house. Not asking for legal advice here, but what ...
by cheesepep
Wed Mar 23, 2016 4:14 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 18741

Re: Tesla Model 3 anyone?

I would consider it if I hadn't purchased a 2015 CR-V last year. Not in the market for a car now, but would looking forward to seeing them on the streets.
by cheesepep
Tue Mar 22, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: How much is your allowance?
Replies: 40
Views: 3781

Re: How much is your allowance?

I don't limit myself to an allowance for anything, discretionary or not. Just bought myself a $240 Suunto watch for example.
by cheesepep
Sun Mar 20, 2016 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Question about filing amended taxes
Replies: 7
Views: 408

Re: Question about filing amended taxes

Thanks for the replies. I'll mail it just before I leave so I can earn interest on the money I owe rather than the IRS earning interest on it.
by cheesepep
Sun Mar 20, 2016 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Question about filing amended taxes
Replies: 7
Views: 408

Re: Question about filing amended taxes

Thanks, if I filed my amended return with additional taxes owed after 4/15 (day that the IRS gets money from my bank), wouldn't I have to pay interest on the additional taxes owed?
by cheesepep
Sun Mar 20, 2016 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Question about filing amended taxes
Replies: 7
Views: 408

Question about filing amended taxes

I efiled my taxes using TurboTax last week and owe some money to both the IRS and California. I opted to have the money to be electronically taken out of my bank account on 4/15. However, today I realized that I forgot to include a 1099-INT form that has several hundred in interest. I used TurboTax ...
by cheesepep
Fri Mar 18, 2016 10:44 pm
Forum: Personal Consumer Issues
Topic: Baby learning videos/material
Replies: 13
Views: 1356

Re: Baby learning videos/material

Babies learn by listening and interacting. The best way to learn is to have someone talk to them in English. When my friends in Europe have asked for the same, I have sent board books: Brown Bear, Brown Bear; The Very Hungry Caterpillar; The Very Busy Spider; Dear Zoo; Hop on Pop; One Fish, Two Fis...
by cheesepep
Fri Mar 18, 2016 2:41 am
Forum: Personal Consumer Issues
Topic: Baby learning videos/material
Replies: 13
Views: 1356

Re: Baby learning videos/material

Babies and young toddlers don't learn languages by watching videos. They learn by hearing the speech of real people, mimicking it and getting feedback on their attempts. Books can help, but only if they have someone who uses the books as an aid to the above. "That's a picture of a puppy. Can y...
by cheesepep
Fri Mar 18, 2016 12:29 am
Forum: Personal Consumer Issues
Topic: Baby learning videos/material
Replies: 13
Views: 1356

Baby learning videos/material

My friend who has a 1.7 year old baby resides in a foreign country. She has asked me to buy some books/videos from the US that teaches a baby basic English.

Can anyone suggest such things from Amazon? I think videos would be best, but I don't have a baby so I cannot relate well.

Thanks.
by cheesepep
Sat Mar 12, 2016 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell my Altria (tobacco) shares?
Replies: 18
Views: 2036

Re: Should I sell my Altria (tobacco) shares?

I first started buying Altria at under $20. The first rule of Altria stock is to never sell. Not only do I have a huge appreciation, but have over 10% YOC annually.
by cheesepep
Fri Mar 11, 2016 5:38 pm
Forum: Personal Consumer Issues
Topic: Bread - The Cost and Convenience
Replies: 94
Views: 9268

Re: Bread - The Cost and Convenience

I almost never eat bread. I eat rice most of the time.
by cheesepep
Fri Mar 11, 2016 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: transfer brokerage every year for promotion
Replies: 10
Views: 821

Re: transfer brokerage every year for promotion

Horrible idea if you rely on them to keep track of cost basis.
by cheesepep
Thu Mar 10, 2016 2:20 pm
Forum: Personal Consumer Issues
Topic: What are you frugal with, what are you not, but still buy?
Replies: 53
Views: 4909

Re: What are you frugal with, what are you not, but still buy?

Most of my clothes comes from Gap outlet stores. Some Come during huge Xmas holidays and other seasonal stuff. When traveling, I often op for cheaper hotels.

I kind of splurge on Apple stuff.
by cheesepep
Wed Mar 09, 2016 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Is a CS PhD financial suicide for my profile?
Replies: 57
Views: 6077

Re: Is a CS PhD financial suicide for my profile?

It is stupid. Most people who do such a thing just don't want to leave school and go work in the real world.
by cheesepep
Tue Mar 08, 2016 10:00 am
Forum: Personal Consumer Issues
Topic: Honda Care Extended Warranty experience?
Replies: 24
Views: 1976

Re: Honda Care Extended Warranty experience?

I also have a 2015 Cr-V and never considered purchasing the warranty. I do have the infamous vibration at idle issue which has been somewhat mitigated by a Honda fix. It is still there but less pronounced as before. A deal breaker for some.
by cheesepep
Mon Mar 07, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Meineke ok for oil changes?
Replies: 36
Views: 3177

Re: Meineke ok for oil changes?

I wish Sam's Club does oil changes.
by cheesepep
Mon Mar 07, 2016 7:13 am
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 70
Views: 11783

Re: Amazon Echo (Alexa)

It would be totally useless for me.
by cheesepep
Thu Mar 03, 2016 6:37 pm
Forum: Personal Consumer Issues
Topic: Oil change - Auto shop or DIY
Replies: 125
Views: 9000

Re: Oil change - Auto shop or DIY

Totally not worth my time. I take it to the dealers and have them use my own oil (Mobile 1 0W-20, full synthetic) and place the empty jug in the trunk. Sure I pay more, but totally worth it to me.
by cheesepep
Tue Mar 01, 2016 12:38 am
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Inc., NYSE:BRK.B
Replies: 31
Views: 6538

Re: Berkshire Hathaway Inc., NYSE:BRK.B

I was honestly planning to buy today (first time ever), but the stock went up quite a bit today, so I didn't buy. Will see what happens tomorrow. Great stock, great company.
by cheesepep
Mon Feb 29, 2016 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Sibling has decided not to pay for college for his future children
Replies: 47
Views: 3563

Re: Sibling has decided not to pay for college for his future children

Not your call. Not your worry. Relax and focus on your own life. Reminds me of my brother. I wanted to buy a house with my very own money. He threw a big fit because I didn't consider living in another state that I've never visited before. Uh. Not his call. I placed an offer on the house but didn't ...
by cheesepep
Thu Feb 25, 2016 5:03 pm
Forum: Personal Consumer Issues
Topic: Are food prices falling?
Replies: 54
Views: 5021

Re: Are food prices falling?

Food is so cheap in the US, especially meat.
by cheesepep
Fri Feb 19, 2016 9:57 am
Forum: Personal Consumer Issues
Topic: Tough Frugal Decisions
Replies: 111
Views: 18793

Re: Tough Frugal Decisions

When I was younger and in elementary school with a paper bag lunch, my mom made us reuse the paper bag a few times instead of disposing it. We also used to rip napkins in half for the dinner table to double the use of them.
by cheesepep
Thu Feb 18, 2016 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: berkshire hathaway annual shareholders meeting - general question
Replies: 10
Views: 1441

Re: berkshire hathaway annual shareholders meeting - general question

It is being broadcast on Yahoo! Finance for the first time this year. If it is open to the general public to view, I'll be in line figuratively speaking.
by cheesepep
Thu Feb 18, 2016 6:46 am
Forum: Personal Consumer Issues
Topic: Google Sheets vs Excel for spreadsheets
Replies: 33
Views: 2418

Re: Google Sheets vs Excel for spreadsheets

Remember that free things come with a price....your privacy!

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