Search found 597 matches

by cheesepep
Sat Jul 30, 2016 6:30 am
Forum: Personal Finance (Not Investing)
Topic: IRS questioning my backdoor roth?
Replies: 39
Views: 4734

Re: IRS questioning my backdoor roth?

Although legal, I do not do backdoor roths or anything similar that would cause me potential tax liability issues. I absolutely despise paperwork of any kind and getting a letter from the IRS, no matter if right or wrong, would cause me to go bonkers. I keep things simple, even if I "miss out&q...
by cheesepep
Tue Jul 26, 2016 8:37 pm
Forum: Personal Consumer Issues
Topic: Encryption [Computer disk encryption]
Replies: 19
Views: 1067

Re: Encryption

I also use FileVault and maintain a small disk image on my computer that is separately encrypted. That one holds my tax files and other more personal data.

Using FV, you can have Apple store the keys for you or maintain the keys yourself.

With an iOS device, they are encrypted by default.
by cheesepep
Mon Jul 25, 2016 3:49 am
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 64
Views: 3173

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

Never been to Italy, so can't offer any advice there. But just be careful and ever vigilant as there seems to be a high(er) rate of killings/attacks of tourists and local people alike.
by cheesepep
Sat Jul 23, 2016 7:43 pm
Forum: Personal Consumer Issues
Topic: Tires for Honda Civic
Replies: 39
Views: 2312

Re: Tires for Honda Civic

The #1 all season tire from Consumer Reports for your car is the Michelin Defender. We use these on our cars and they are a great all around tire. They are estimated to last 90,000 miles by Consumer Reports. They are a little more up front by are cheaper in the long run. We ran continentals before ...
by cheesepep
Fri Jul 22, 2016 3:28 am
Forum: Investing - Help with Personal Investments
Topic: Potential Rental Property
Replies: 22
Views: 1693

Re: Potential Rental Property

Financial wise, it is fine. Hassle wise is another story. But I wouldn't mind having 1-3 rental properties under my belt.
by cheesepep
Thu Jul 21, 2016 12:36 am
Forum: Personal Consumer Issues
Topic: Seattle trip at end of May - Any tips?
Replies: 33
Views: 3031

Re: Seattle trip at end of May - Any tips?

Boring city. Been to most of the famous spots, totally not worth it.
by cheesepep
Wed Jul 20, 2016 12:21 am
Forum: Personal Consumer Issues
Topic: Gardening 2016
Replies: 73
Views: 7264

Re: Gardening 2016

My first balcony garden and I'm taking it small steps at a time. Used to have a larger outside garden before. Planted some veggies for soup and put the plastic container on the balcony and two days later, got some sprouts. Let it stay for one more day and noticed that the plants seem awfully wiry be...
by cheesepep
Mon Jul 18, 2016 7:15 pm
Forum: Personal Consumer Issues
Topic: Who do you not tip, and why?
Replies: 57
Views: 4589

Re: Who do you not tip, and why?

I don't want to know their name. All I want is for them to bring my order. After that they can leave me alone. And please don't come by every five minutes asking if everything is all right. If it's not all right, I'll let you know. That's all I have to say about that. Ebenezer Scrooge. :happy Here,...
by cheesepep
Sat Jul 16, 2016 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Boss cutting salary in response to employee not doing "job"
Replies: 78
Views: 8633

Re: Boss cutting salary in response to employee not doing "job"

OP here. She is a salaried employee as far as I know. I told her to quit and find a better job. Her current plans are to dredge it out and continue working for the company for the time being. It's apparently difficult to find a job that she likes or that someone will hire her. She plans on quitting ...
by cheesepep
Fri Jul 15, 2016 7:47 pm
Forum: Investing - Theory, News & General
Topic: Do You Practice Ethical Investing?
Replies: 47
Views: 1984

Re: Do You Practice Ethical Investing?

I love my big tobacco (MO) and big oil (CVX) and other stocks!
by cheesepep
Thu Jul 14, 2016 11:57 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 123
Views: 8124

Re: What kind of car do Bogleheads like to drive?

This is not the car that I drive, but if I had a choice of a daily driver, maybe an Audi A1, or if cheaper, Honda Civic/Fit.

I like small cars.
by cheesepep
Wed Jul 13, 2016 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Boss cutting salary in response to employee not doing "job"
Replies: 78
Views: 8633

Re: Boss cutting salary in response to employee not doing "job"

Ok, thanks for the replies. I gave her the phone number of the nearest Depart of Labor near here and told her your guys' advice and comments.
by cheesepep
Wed Jul 13, 2016 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Boss cutting salary in response to employee not doing "job"
Replies: 78
Views: 8633

Re: Boss cutting salary in response to employee not doing "job"

prudent wrote:You mentioned that her employment contract specified her salary. Is she not getting paid what her contract specifies?


She was getting the salary specified in her contract, but now she is getting less money now due to her not doing her "job."
by cheesepep
Wed Jul 13, 2016 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Boss cutting salary in response to employee not doing "job"
Replies: 78
Views: 8633

Re: Boss cutting salary in response to employee not doing "job"

Thanks for the reply, but does it matter that her job title is listed as A, but a large part of her work duties a week (maybe 40%) is doing B?
by cheesepep
Wed Jul 13, 2016 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Boss cutting salary in response to employee not doing "job"
Replies: 78
Views: 8633

Boss cutting salary in response to employee not doing "job"

This is for my friend. She works in a very small company. She is perhaps the only person who works in an office (in California) besides her boss who is rarely ever there. Her boss is mostly overseas running the business. My friend's duties are mostly secretarial, which involves email, invoicing, and...
by cheesepep
Wed Jul 13, 2016 4:42 am
Forum: Personal Consumer Issues
Topic: Do you tip Uber drivers?
Replies: 49
Views: 5254

Re: Do you tip Uber drivers?

I don't Uber or Lyft much, and the answer is no. I live in CA.
by cheesepep
Tue Jul 05, 2016 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Visa and Costco?
Replies: 17
Views: 4089

Re: Chase Freedom Visa and Costco?

I dislike using any cards that runs a special deal for even better promotions for a certain time or for only certain items or certain stores.

Happily using my capital one venture card for everything, anytime. I may be missing out on some deals but I love simplicity.
by cheesepep
Mon Jul 04, 2016 3:20 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8302

Re: synthetic oil changes

Just as a FYI, I finished watching a Youtube video that shows some oil change shops filling up empty Mobile One synthetic oil 5L jugs with dino oil and passing it off as Mobile One and pocketing the difference.
by cheesepep
Thu Jun 30, 2016 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Large Cash Deposit - Tax Issues?
Replies: 20
Views: 1638

Re: Large Cash Deposit - Tax Issues?

Over a period of a few months, make cash deposits less than 10,000 each time. Spend any extra cash in lieu of using a credit card.

Tell her to watch breaking bad and pay attention to Saul.
by cheesepep
Thu Jun 30, 2016 4:48 am
Forum: Personal Consumer Issues
Topic: Your shopping strategy for new tires?
Replies: 123
Views: 7374

Re: Your shopping strategy for new tires?

Head down to Sam's Club and order 4 Michelins, sale or not.
by cheesepep
Sun Jun 12, 2016 8:58 pm
Forum: Personal Consumer Issues
Topic: 3 Row SUVs - Help Educate Me
Replies: 42
Views: 3208

Re: 3 Row SUVs - Help Educate Me

To the OP, there is no such car. You need a minivan. Absolutely no shame in that. Buying a used one under 30K is possible.
by cheesepep
Sat Jun 04, 2016 6:31 am
Forum: Personal Consumer Issues
Topic: Leave garage door open?
Replies: 109
Views: 9303

Re: Leave garage door open?

My garage door is shut and open maybe four times a month. And even if I used my garage door, I would not leave it open without me being there
by cheesepep
Wed Jun 01, 2016 4:15 am
Forum: Investing - Help with Personal Investments
Topic: Buy rental property?
Replies: 5
Views: 676

Re: Buy rental property?

As someone who knows someone who owns rental property, they can be quite lucrative. Before taxes and expenses, he is making 12% a year when dividing cash/value of house. When considering taxes and expenses, it is probably about 8% a year. Note that this property is already paid off. 8% a year is gre...
by cheesepep
Tue May 31, 2016 10:50 pm
Forum: Personal Consumer Issues
Topic: New cars.....when do you first detail them?
Replies: 48
Views: 3633

Re: New cars.....when do you first detail them?

When I had my Civic, I got it detailed once a few years after buying it and once before I sold it.
by cheesepep
Tue May 31, 2016 9:07 pm
Forum: Personal Consumer Issues
Topic: Birds building nest on exterior house wall
Replies: 30
Views: 1426

Re: Birds building nest on exterior house wall

Let the birds stay. Hang some sort of wooden or plastic board under the nest so it catches their "business." Remove and clean the board every month.
by cheesepep
Sun May 29, 2016 3:34 am
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 4816

Re: What was your first investment?

I bought quite a few shares of AAPL in the mid 1990s. Bought at $32 or so and sold soon afterwards for $96. Made quite a bit of money but would have made a lot more if I had held on. Seriously my first stock investment.
by cheesepep
Sun May 22, 2016 11:59 pm
Forum: Personal Consumer Issues
Topic: Amazon has no head to head competitors?
Replies: 71
Views: 4652

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: 2902

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: 6828

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: 6828

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: 6828

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: 7050

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: 1274

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: 6624

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: 2696

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: 2984

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: 6140

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: 1520

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: 2506

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: 6137

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: 2849

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: 10479

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: 10479

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: 1666

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: 3253

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: 2231

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: 921

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: 1524

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: 4533

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: 4786

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.

Go to advanced search