Search found 738 matches

by cheesepep
Mon Apr 16, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 40065

Re: Name something you had to have and now you regret purchasing it?

My foldable bike with twenty inch wheels. It is not the foldable aspect itself but the brakes are truly horrible. I replaced them but they still stink. I think it is due to the metal on the wheels. Also, it is a bit heavy.
by cheesepep
Mon Apr 16, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: How much salary did you negotiate?
Replies: 20
Views: 2499

Re: How much salary did you negotiate?

Funny enough, I got my first pay raise in 2 years without doing anything. About 9% increase.
by cheesepep
Wed Apr 11, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 12477

Re: Ivy school education. Is it worth it?

It is only good for SOME majors, definitely not all or most. If you want to get a degree in theology or something worthless like that, then go to a community college. On a side note, I hate people who wear sweatshirts with their school logo or acronym on there. NO ONE CARES!!!
by cheesepep
Thu Apr 05, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: How did you file your income taxes?
Replies: 77
Views: 3810

Re: How did you file your income taxes?

TT, remarkably easier this way. I guess I'm getting used to it. I also "filed" my taxes in the foreign country that I work at. It was simply receive tax mailings in the mail, show the nearby 7-11 the bill, and pay in cash. No signature, no nothing.
by cheesepep
Thu Mar 29, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 12706

Re: Healthy eaters -- is this grocery budget normal to you?

I also eat very healthy (most times) and my foods consists of non-organic and GMO foods. Yummy.
by cheesepep
Sat Mar 24, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: Buying large heavy items from places like Amazon
Replies: 22
Views: 1879

Re: Buying large heavy items from places like Amazon

You got to be insane to buy bulky items, perishable food items, or something of the sort from amazon.
by cheesepep
Sat Mar 17, 2018 1:01 am
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11568

Re: 2018 Forester vs CRV vs RAV4

As an owner of a relatively recent CR-V, I was victim of the vibration issue and it still hasn’t been fixed. Also no car play as “promised.” The ride is ok, but ride height a bit too high for me. If the Subaru has car play, I would go for it instead.
by cheesepep
Fri Mar 16, 2018 12:45 am
Forum: Investing - Help with Personal Investments
Topic: Can somebody explain this cost basis calculation for me?
Replies: 2
Views: 324

Can somebody explain this cost basis calculation for me?

A few days ago, I bought X amount of AAPL at $179.59 and then I bought Y amount of AAPL at $178.66, where X and Y are fairly large numbers. I go on my CapitalOne Investing "positions" website where it shows a cost basis of my 2 purchases at $180.29 a share. How can my cost basis be more than the ave...
by cheesepep
Wed Mar 14, 2018 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Accountant not doing taxes while you are there
Replies: 53
Views: 6171

Re: Accountant not doing taxes while you are there

It would seem weird to me for an accountant to do my taxes while I wait (but H&R block is quite common as the taxes there are much easier and done on the spot). Usually give them the paperwork and answer a few questions, drop of the necessary papers, come back in a week, and review taxes with accoun...
by cheesepep
Mon Mar 12, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 40925

Re: What frugal thing did you do today?

I constantly go to a tea shop and order their ice black tea. It comes with a straw. I always don’t use the straw, it because I’m frugal because it is a single use straw and bad for the environment. Yes, maybe bad for my teeth, but I don’t care. Now if they would only serve it in a ceramic mug instea...
by cheesepep
Mon Mar 12, 2018 1:57 am
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 283
Views: 41876

Re: [Yahoo Finance no longer works - Alternatives to download securities quotes]

I use Apple Numbers and one of the latest updates (well, a few months ago) changed from auto-filling cells with real-time quotes to close of market quotes from yesterday. Yeah, completely useless.
by cheesepep
Sat Mar 10, 2018 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block vs TurboTax (spoiler: HRB is awful)
Replies: 70
Views: 6702

Re: H&R Block vs TurboTax (spoiler: HRB is awful)

I also did the same. TT user than tried to save money and buy HRB. I found the interface to be mostly the same but a bit less intuitive. Ended up going back. Not to say HRB is bad but not for my needs. However, TT needs an interface update. Much of it looks like 90s software. The window can’t be res...
by cheesepep
Fri Mar 09, 2018 12:46 am
Forum: Investing - Help with Personal Investments
Topic: Can I take an 85+% pay cut for fun?
Replies: 80
Views: 9103

Re: Can I take an 85+% pay cut for fun?

I would. Life is short. Do a part-time job on the side to pick up more money. Do tutoring or something.
by cheesepep
Mon Mar 05, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Which car, Porsche Cayenne or Volvo XC90?
Replies: 71
Views: 5579

Re: Which car, Porsche Cayenne or Volvo XC90?

None. Volvo station wagon, yes, a station wagon.
by cheesepep
Mon Mar 05, 2018 4:10 am
Forum: Personal Consumer Issues
Topic: Converting old home to open plan layout?
Replies: 45
Views: 4003

Re: Converting old home to open plan layout?

I absolutely hate open floor plans. Every single modern house as them and I strongly dislike. I do want some openness and would prefer for the doors between some rooms to be of double size (or have no doors) such as the space between kitchen and living room, etc. A kitchen should NEVER have a bar. T...
by cheesepep
Sat Mar 03, 2018 6:45 am
Forum: Personal Consumer Issues
Topic: What are the Best Tablet to Read PDFs?
Replies: 29
Views: 2038

Re: What are the Best Tablet to Read PDFs?

Definitely some sort of tablet would be best. The two on one notebooks will do the trick but not as well and will be inconvenient at times. No need to go iPad Pro as any ordinary iPad will no. Can buy any stylus you need. Most important part is which software you use to take notes in AND organize th...
by cheesepep
Sat Feb 24, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Buffett's Shareholder Letter [2017]
Replies: 47
Views: 4309

Re: Buffet - Stock to Bond ratio

I’ve never understood bonds and why anyone would own them and, to that end, I don’t purchase any. All stocks for me.
by cheesepep
Tue Feb 20, 2018 4:28 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 40925

Re: What frugal thing did you do today?

I commonly reuse ziploc baggies. A quick rinse and they are as good as new. I also use them for soups and stuff. Much easier many times than a Tupperware.

Every time I visit a restaurant and get some napkins, I take unused napkins back with me
by cheesepep
Tue Feb 20, 2018 2:13 am
Forum: Personal Finance (Not Investing)
Topic: Misc Income [how to report with no 1099]
Replies: 87
Views: 4017

Re: Misc Income [how to report with no 1099]

Nothing to add here other to say that taxes are complicated. No wonder why some people don't report such incomes because they have no idea how to do so.
by cheesepep
Tue Feb 06, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 20692

Re: I bought a stock today - Redfin (RDFN)

I also bought a few shares as I said I would. Great company!
by cheesepep
Sat Feb 03, 2018 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 69
Views: 8109

Re: Replacement for Google Finance price quote function

Nice. I use Apple numbers for my stocks and quotes but have been very disappointed lately. Getting stock quotes originally debuted a while ago and I got real time quotes or close to it. An “update” later and now I get closenof market quotes from YESTERDAY! Really?! Can I at least get close if market...
by cheesepep
Wed Jan 31, 2018 12:24 am
Forum: Investing - Help with Personal Investments
Topic: Tired of online brokerages changing hands
Replies: 2
Views: 651

Tired of online brokerages changing hands

Many years ago, I used Datek which traded hands several times. I'm not sure who owns it now. Then I switched to Sharebuilder and have been very happy with it, then it switched to CapitalOne within the last year or 2, then within the last few days, I get news that the accounts will merge with Etrade ...
by cheesepep
Sun Jan 28, 2018 5:50 am
Forum: Investing - Theory, News & General
Topic: If you're really rich you're probably not an index-fundi Boglehead
Replies: 61
Views: 11134

Re: If you're really rich you're probably not an index-fundi Boglehead

The chart is mostly true regardless of how the readers here like it or or. If you are uber rich, you hold a lot of business assets and perhaps have your own company or a significant interest in one. As I’ve said before, to get rich you need stocks. To be filthy rich, you need to have your own busine...
by cheesepep
Sat Jan 27, 2018 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 20692

Re: I bought a stock today - Redfin (RDFN)

I actually had planned on buying Redfin also on Saturday but completely forgot about it. I will probably buy on Monday instead.
by cheesepep
Mon Jan 22, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy a business or suck it up at a job(s) with a pension.
Replies: 82
Views: 6111

Re: Should I buy a business or suck it up at a job(s) with a pension.

2 points which no one has brought up yet:

1) thin crust pizza is where it is at!
2) watch more Breaking Bad episodes of how to operate a "successful car wash" *hint hint*

I wouldn't do the car wash thing myself.
by cheesepep
Sun Jan 21, 2018 4:32 am
Forum: Investing - Help with Personal Investments
Topic: Sell Home Depot?
Replies: 51
Views: 4134

Re: Sell Home Depot?

Not sure why people are so adverse to selling stocks here. It is a profit. A profit is a profit. The fact that you have to pay tax on it is good. It means that you made money. Nothing wrong with that. Selling it is like ripping off a bandaid. It hurts and it stings only for a short moment but you wi...
by cheesepep
Wed Jan 17, 2018 12:49 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 40925

Re: What frugal thing did you do today?

Didn't really do it for frugality measures, but my lunch today was instant oatmeal in a cup with a splash of almond milk, and some Roma tomatoes.I'm totally full.
by cheesepep
Sat Jan 13, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Sell or Keep a rental condo
Replies: 36
Views: 2606

Re: Sell or Keep a rental condo

Sell. I have been in the business and it is most certainly not worth the hassle even if your are profitable. Constant worrying about anything.
by cheesepep
Sat Jan 13, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Consulting side gig while at mega corp
Replies: 25
Views: 2317

Re: Consulting side gig while at mega corp

No need to tell them unless you work for a competitive doing the same thing you do now or your company does. At least that is what I would do.
by cheesepep
Tue Jan 09, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 87
Views: 7674

Re: New Honda CRV - first oil change full synthetic?

Recently went to the dealers for an oil change for my 2015 CR-V. Bought my own Mobile 1 oil at Walmart and the dealers for the actual change. I bought 5 quarts in the big bottle, and they left about less than 1 full quart in the bottle. I guess I can top up the oil if needed using this.
by cheesepep
Tue Jan 09, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: Real estate going bonkers
Replies: 10
Views: 1969

Re: Real estate going bonkers

I'm in the market for a house in SD, and compared to Irvine, Alhambra area, SD is dirt cheap! Buy, buy, buy!
by cheesepep
Mon Jan 08, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 7227

Re: Lowball offer on a home

Having some homes before and having received low ball offers the day of or in the days after having posted the house for sale, I completely ignore them and don’t bother to counter. I tell my realtor to not even consider them.
by cheesepep
Sat Jan 06, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: How to browse specifically for homes with "mother-in-law suite"?
Replies: 29
Views: 1963

Re: How to browse specifically for homes with "mother-in-law suite"?

Very difficult. I can’t find a single website that allows me to search for single story homes only. I don’t want a two story house !
by cheesepep
Mon Jan 01, 2018 10:52 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1821
Views: 325553

Re: What are you up YTD? [Year To Date]

100% individual stocks with about 20% cash. Absolutely no money was added to my account during 2017. Portfolio in six figure range. 17.1%

For my smaller 5 figure portfolio, around 30%, didn't really calculate.

edit: Would have been 1-2% higher, but my top 3 stocks last week started dropping.
by cheesepep
Sat Dec 30, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Case Against Individual Stock Picking
Replies: 22
Views: 2052

Re: Case Against Individual Stock Picking

Some people can. Some people can’t. Some people just get lucky. Some people just get a thrill.

I do well for myself in picking individual stocks so I keep at it.
by cheesepep
Mon Dec 25, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 91
Views: 6608

Re: How do Bogleheads save on eyeglasses?

I don’t. I buy them so rarely just I just pay normal price. Or buy them overseas.
by cheesepep
Mon Dec 25, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 109
Views: 8105

Re: Will you donate less to Charity?

I don’t believe in charities, so I will donate the same this year — a value of $0. I occasionally donate to cancer research but not this year. The Mayo Clinic constantly spans me with snail mail asking for even more donations and “progress updates.”
by cheesepep
Sat Dec 16, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 157
Views: 18576

Re: Chromebooks- What is the lure?

They are cheap for a reason — you are the product. Google mines your data in the form of ads and other stuff. That is 90% of their revenue.
by cheesepep
Mon Dec 11, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 72
Views: 8498

Re: Year end review with less nerdy spouse

PPT slides in a family? Uh, no!
by cheesepep
Mon Dec 04, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Why should I donate to my alma mater?
Replies: 133
Views: 10250

Re: Why should I donate to my alma mater?

Me? Absolutely not.
by cheesepep
Fri Dec 01, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 11874

Re: Price of haircut?

$7.69 according to the last currency conversion rate where I go. No tipping. 4 mins later and I'm out the door (typical amount of time for a male haircut there).
by cheesepep
Sat Nov 25, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Washer/dryer suggestions?
Replies: 43
Views: 4555

Re: Washer/dryer suggestions?

My criteria is to buy name brand with absolutely no bells and whistles. All physical buttons. No screen nonsense.
by cheesepep
Tue Oct 24, 2017 11:52 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 11536

Re: Anyone planning on getting the new Pixel phone?

Aside from questionable quality issues, why would anyone buy a phone from what is essentially an advertisement company. You are the product.
by cheesepep
Mon Oct 23, 2017 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Dividing monies from Trust per the will
Replies: 21
Views: 1903

Re: Dividing monies from Trust per the will

Yes, my post has a few typos as I was typing while waiting in line for something...As stated, I am not a person versed in tax stuff, so my post was just information, nothing more.
by cheesepep
Mon Oct 23, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: negotiating a home purchase (price reduction v work done by seller)
Replies: 9
Views: 921

Re: negotiating a home purchase (price reduction v work done by seller)

Having sold some houses in AS IS condition regardless of condition of house or repairs needed or wanted, I am unwilling to do any repairs before selling. I’m ok dropping the price to account for some repairs (definitely not all) but will not do the repairs myself. Buyer will probably have better qua...
by cheesepep
Mon Oct 23, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Dividing monies from Trust per the will
Replies: 21
Views: 1903

Re: Dividing monies from Trust per the will

As far as I know, there is no such form. All principle from the trust is not taxable and is dispersable to the trustees simply by writing a check. All income earned by the trust is taxable and the trustees need to receive a k9 form or something like that. Of course, I’m not a tax accountably or tax ...
by cheesepep
Wed Oct 18, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth applying for Credit Limit Increase?
Replies: 21
Views: 1549

Re: Is it worth applying for Credit Limit Increase?

Whenever I used to login to pay my credit card bill, my cc company has a silly banner on top that cannot be closed asking me to update my income for 2017, so that they can consider me for a higher credit limit. I do not care for a higher credit limit as I am content as is, and I don't want to provid...
by cheesepep
Sun Oct 15, 2017 5:00 am
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 6703

Re: What do you buy in Asian food stores?

Me? I practically buy 100% of my groceries from such places. From meat to veggies to seasonings, I buy them all.
by cheesepep
Fri Oct 06, 2017 5:54 am
Forum: Personal Consumer Issues
Topic: Too much house? (nervous 1st time buyer)
Replies: 57
Views: 5356

Re: Too much house? (nervous 1st time buyer)

Quite simple. If the comps there are around that price, go for it. $330K for your income and savings is "chump change."
by cheesepep
Thu Aug 24, 2017 12:23 am
Forum: Investing - Help with Personal Investments
Topic: Stocks On Sale - What do you buy?
Replies: 64
Views: 6956

Re: Stocks On Sale - What do you buy?

Recently bought ROST and COST.