Search found 651 matches

by cheesepep
Sat Jan 14, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Job dilemma
Replies: 24
Views: 1841

Re: Job dilemma

I would stay at your current job. Do some sort of side job to make more money if needed.
by cheesepep
Fri Jan 13, 2017 2:31 am
Forum: Personal Consumer Issues
Topic: Recommend a LEAKproof microwavable, fairly decent sized lunch box!
Replies: 10
Views: 921

Re: Recommend a LEAKproof microwavable, fairly decent sized lunch box!

I would have thought that most rubbermaid type of containers would be ok for this task. Get one that clasps on all 4 sides.
by cheesepep
Thu Jan 12, 2017 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 194
Views: 11772

Re: Annual Vacation Budget

I never budget for vacations and I travel a lot. I'm mostly frugal but splurge for good most times but can be quite content eating street food overseas.
by cheesepep
Mon Jan 09, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: The funk - gym clothes
Replies: 46
Views: 3906

Re: The funk - gym clothes

And I don't worry about what clothes get mixed together. Polyester, lycra, acrylic, cotton, synthetic, natural, it makes no difference to me. If my clothes don't survive my treatment of them, I don't want them anyways. This is me also but I also don't care what colors I put in together. I don't own...
by cheesepep
Mon Jan 09, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 133
Views: 13686

Re: Best Financial Moves You've Made

Become a dividend growth investor. See my money rise every year. Allows for much more independence in my job. I love doing it also.

Also buy many, many shares of JPM a few months back and recently sell them. Huge profits for such a short time.
by cheesepep
Mon Jan 09, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Ways to charge money on Credit Card
Replies: 21
Views: 1980

Re: Ways to charge money on Credit Card

Bill paying via credit card is nice, but I prefer how they do bill payments where I am now. You take your bill that you receive in the mail and take it to the nearest 7-12 or equivalent (of which there are many, many) and pay cash for your bill there. For me, much easier.
by cheesepep
Sun Jan 08, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: The funk - gym clothes
Replies: 46
Views: 3906

Re: The funk - gym clothes

Been wondering about that now ever since I got gym clothes, as opposed to my regular cotton stuff. The stench is still there after washing. I recently bought some Arm & Hammer (CHD) baking soda, so maybe that will work when I add it to my regular detergent. I don't have any vinegar.
by cheesepep
Sun Jan 08, 2017 3:38 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to the Dallas, TX Area
Replies: 30
Views: 2404

Re: Relocation to the Dallas, TX Area

I think that if you live and work in SoCal that buying in Texas for those prices should be rather easy unless you live in the Inland Empire
by cheesepep
Sat Jan 07, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: Bedroom is colder than rest of house. Radiator heating question.
Replies: 70
Views: 3003

Re: Bedroom is colder than rest of house. Radiator heating question.

Echoing at least two other people here, buy an electric blanket or one of those portable electric heaters. Much cheaper solution than even trying to fix the real source of the problem and probably much more effective.
by cheesepep
Thu Jan 05, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated taxes
Replies: 16
Views: 1402

Re: Estimated taxes

I honestly don't even calculate my estimated taxes. I just pay the IRS what I think is a fair share and pay the penalty at the end. Ends up being $200 or so, which is ok by me.
by cheesepep
Thu Jan 05, 2017 3:41 am
Forum: Investing - Theory, News & General
Topic: McDonald's Stock
Replies: 103
Views: 8838

Re: McDonald's Stock

Try not eating any fast food for a prolonged period of time such as 6 months to a year and then get a big mac. Not only will it taste horribly, you might even feel sick from it. I think of McDonalds as the epitome of synthetic food injected with the right combination of chemicals to bring about its...
by cheesepep
Wed Jan 04, 2017 7:47 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1275
Views: 205164

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

Up 0.474% so far for 2017! I'm fearful of a market crashing.
by cheesepep
Tue Jan 03, 2017 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 961
Views: 119294

Re: What's Your Credit Card Rewards Strategy?

Still using my CapitalOne Venture card. 2% cash back on anything valid for travel purchases. Because I always have travel expenses, it has helped me save over $2,000 last year. And you can redeem for travel purchases as soon as the purchase hits your account. No need to wait for a monthly statement ...
by cheesepep
Mon Jan 02, 2017 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Any Buffett fans here?
Replies: 35
Views: 3229

Re: Any Buffett fans here?

I'm a fan of him and other guys, such as HK's Lui Che Woo.

Image
by cheesepep
Mon Jan 02, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1275
Views: 205164

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

Kind of surprised at the results here. The market really soared towards the end of the year and I thought many people would do better than their ~8% average I am seeing here (guess a large % of bonds). Quite frankly, I thought that I would be underperforming the market (but just slightly), but quite...
by cheesepep
Sun Jan 01, 2017 10:39 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1275
Views: 205164

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

100% DGI individual stocks with some day trading in between. One year returns from largest to smallest of my 4 portfolios ranges from 14.9-27%. Smallest portfolio only has about 4 stocks and largest has 14 stocks.
by cheesepep
Mon Dec 26, 2016 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to graduate from college in 3 years?
Replies: 101
Views: 4545

Re: Is it possible to graduate from college in 3 years?

Yes, it is possible with some majors, but not all. Pass enough AP classes, take community college classes and arrange your classes carefully. For my major, there is a required upper division class that was only offered once a year. 90% of the people would fail the class and would automatically be on...
by cheesepep
Mon Dec 26, 2016 8:59 am
Forum: Personal Consumer Issues
Topic: How to get rid of your belly........
Replies: 82
Views: 8362

Re: How to get rid of your belly........

Calories in < Calories burned This is the only thing that matters in the long run. As for the gylcemic index thing is that if you can lessen the effects of high GI foods by eating it with low GI foods ( or no GI foods). For example, eating jasmine rice (moderate to high) with veggies will decrease ...
by cheesepep
Thu Dec 22, 2016 8:02 pm
Forum: Personal Consumer Issues
Topic: Quartz versus granite
Replies: 44
Views: 3520

Re: Quartz versus granite

Even before all of the rage about granite countertops, I found them to be quite ugly. Better to have that plastic stuff (whatever it is called) or quartz. I much prefer quartz. So shiny and good looking! Go for white quartz with some designs there with some sparkles.
by cheesepep
Mon Dec 19, 2016 7:04 pm
Forum: Personal Consumer Issues
Topic: Honda Pilot vs Toyota Highlander?
Replies: 61
Views: 5622

Re: Honda Pilot vs Toyota Highlander?

Just make sure it comes with Carplay/Android auto. It's a deal breaker for me.
by cheesepep
Wed Dec 14, 2016 10:23 pm
Forum: Personal Consumer Issues
Topic: How will you tip this Christmas?
Replies: 51
Views: 4249

Re: How will you tip this Christmas?

Nothing special, which means not giving anyone anything that I would not give if it wasn't Xmas. Just going to give the lady who cleans the office some cookies, perhaps.
by cheesepep
Thu Dec 08, 2016 4:52 am
Forum: Investing - Theory, News & General
Topic: McDonald's Stock
Replies: 103
Views: 8838

Re: McDonald's Stock

Owned the stock for about 2 years before selling it just before they did the all day breakfast thing. That was the time when the stock went from $93 to about $120. Yeah, I missed out on that but managed to still make a decent profit and get some nice dividends along the way. Still happy with the com...
by cheesepep
Sat Dec 03, 2016 6:41 pm
Forum: Personal Consumer Issues
Topic: Anyone use a tankless hot water heater???
Replies: 26
Views: 2546

Re: Anyone use a tankless hot water heater???

I do when I live overseas and I have to say that there is no use for a water tank. Tankless is just as fast.
by cheesepep
Sat Dec 03, 2016 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Consider Dividends As Income?
Replies: 65
Views: 4151

Re: Do You Consider Dividends As Income?

I do and because they make up a large part of my income
by cheesepep
Tue Nov 22, 2016 11:10 pm
Forum: Personal Consumer Issues
Topic: Karate/Taekwondo for an 8 year old?
Replies: 35
Views: 1924

Re: Karate/Taekwondo for an 8 year old?

I think any sports teams or martial arts classes are useless for kids. Kids should be roller skating or bicycling in the neighborhood or playing baseball in the park with friends and strictly for fun. Not to learn discipline or whatever and not to defend themselves.
by cheesepep
Sun Nov 13, 2016 11:16 pm
Forum: Personal Consumer Issues
Topic: Secure alternative to Gmail
Replies: 48
Views: 6766

Re: Secure alternative to Gmail

Gmail is not secure in the sense that your information is read, parsed, and fed back to you in terms of ads.

I don't use gmail for this very reason.
by cheesepep
Sun Nov 13, 2016 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: US Expat Tax filing
Replies: 13
Views: 879

Re: US Expat Tax filing

I previously used TurboTax with no issues. For 2 years, I used a dedicated tax firm and paid out of the nose for it, but I had to at that time because TT didn't support the form that I needed.
by cheesepep
Wed Nov 09, 2016 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: India to Replace Largest Bank Notes
Replies: 20
Views: 2448

Re: India to Replace Largest Bank Notes

I found some old notes from my parents from a foreign country trip in the 1970s. I exchanged them for the full face value at a currency exchange shop. Not from India, though!
by cheesepep
Thu Oct 27, 2016 7:16 pm
Forum: Personal Consumer Issues
Topic: Mr. Money Mustache donates $100k to charity, writes about effective altruism
Replies: 100
Views: 10531

Re: Mr. Money Mustache donates $100k to charity, writes about effective altruism

I don't believe in charities, so probably less than $20 over my lifetime.

Most of my donations are to advance cancer research.
by cheesepep
Tue Oct 25, 2016 10:49 pm
Forum: Personal Consumer Issues
Topic: Aldi doesn't accept phone calls
Replies: 36
Views: 4382

Re: Aldi doesn't accept phone calls

One Aldis recently opened in my city. I went there and came back impressed. Interesting selection of boxed and canned food from companies I've never heard of. Good prices.

I'll shop there, but 90% of my food is still going to be from the local Asian grocery store.
by cheesepep
Mon Oct 24, 2016 4:06 am
Forum: Personal Consumer Issues
Topic: Declining Service Expectations. Are there any excellent companies still out there?
Replies: 81
Views: 6590

Re: Declining Service Expectations. Are there any excellent companies still out there?

For me, I couldn't care less about service at least in restaurants. Just take my order and give me my food. That's it. I don't need to know your name, the daily specials, the dessert, etc.
by cheesepep
Mon Oct 17, 2016 9:04 pm
Forum: Personal Consumer Issues
Topic: What iPhone podcast application do you use?
Replies: 25
Views: 2092

Re: What iPhone podcast application do you use?

I have never seen the benefits of podcasts, so I never listen to them. In my car, I prefer music. I don't want people talking to me. At home, I prefer to read (not listen) the news. I can do so much faster and read only what I want. My friend, however, loves podcasts and listens to them every morning.
by cheesepep
Wed Sep 28, 2016 7:01 pm
Forum: Personal Consumer Issues
Topic: Is a garbage disposal unit a good idea for a rental property?
Replies: 34
Views: 2154

Re: Is a garbage disposal unit a good idea for a rental property?

I really don't understand the importance or use of a garbage disposal unit. Just throw the food scraps into the trash. Use a good sink colander thing also, and you would have no issues.
by cheesepep
Sun Sep 18, 2016 7:36 pm
Forum: Personal Consumer Issues
Topic: avalon hybrid
Replies: 32
Views: 2288

Re: avalon hybrid

Having driven an Avalon for travel (rental car), I would say get a Lexus ES instead. Same car.
by cheesepep
Fri Sep 16, 2016 4:41 am
Forum: Personal Finance (Not Investing)
Topic: Will you delete the Stocks App from your iPhone?
Replies: 31
Views: 2757

Re: Will you delete the Stocks App from your iPhone?

I've deleted a couple or more but not the stocks app. It is one of my favorite built in apps.
by cheesepep
Fri Sep 16, 2016 1:59 am
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 9943

Re: Disappointing News Wells Fargo

Note: I don't bank at wells but I do at one of their competitors. Also own shares of both companies.

Recently a shareholder of wells and have been disappointed. I'm usually a long term shareholder but I'm thinking to sell when it goes back up and place the. Obey into their competitor.
by cheesepep
Thu Sep 15, 2016 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Who Pays The State Inheritance Tax
Replies: 6
Views: 903

Re: Who Pays The State Inheritance Tax

I did once. It was a steep tax and glad only paid once. Never looked back.
by cheesepep
Tue Sep 13, 2016 6:15 pm
Forum: Personal Consumer Issues
Topic: iOS 10 available today
Replies: 44
Views: 3390

Re: iOS 10 available today

Updated mine just fine. Apple maps is a lot better than before.
by cheesepep
Sun Sep 11, 2016 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Twin home burns down and one owner won't rebuild. What happens?
Replies: 25
Views: 3071

Re: Twin home burns down and one owner won't rebuild. What happens?

I've also known them as duplexes and every person is separate. It one burns down and the owner doesn't want to rebuild, then that is his prerogative. Maybe but his half from him and build yourself.
by cheesepep
Tue Sep 06, 2016 7:37 pm
Forum: Personal Consumer Issues
Topic: Tipping Practices
Replies: 18
Views: 1726

Re: Tipping Practices

I only tip 10-12% for any restaurant I go to, if I tip at all. Yes, I may be cheap. I don't care. Tipping is outrageous here, and 100% of my places are in California where there is a minimum wage of maybe around $9/hour. And yes, I've worked in the restaurant industry before as a "chef" an...
by cheesepep
Mon Sep 05, 2016 11:31 pm
Forum: Personal Consumer Issues
Topic: PDF Split, Merge tool
Replies: 20
Views: 1381

Re: PDF Split, Merge tool

As someone said macOS Preview will do it. For multiple PDFs, I created a script in Automator that does the trick.
by cheesepep
Tue Aug 30, 2016 7:07 pm
Forum: Personal Consumer Issues
Topic: Door lock actuators: am I getting fleeced?
Replies: 31
Views: 4204

Re: Door lock actuators: am I getting fleeced?

If you do go with the dealership, often they will decrease the price (not sure labor or parts) by 15% on the spot.
by cheesepep
Tue Aug 30, 2016 12:57 am
Forum: Personal Consumer Issues
Topic: Tips and surcharges
Replies: 52
Views: 3447

Re: Do you factor mandatory surcharges into gratuity?

Absolutely not. If I ever see that 4% surcharge added to my bill, that would be my last time to visit that establishment.
by cheesepep
Sun Aug 28, 2016 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house near church
Replies: 68
Views: 5990

Re: Buying house near church

For me, I stay clear away of any churches or related buildings not because they may be busy, but because I prefer not to live near any overtly religious buildings. That goes for mosques, temples, etc.
by cheesepep
Fri Aug 26, 2016 10:27 pm
Forum: Personal Consumer Issues
Topic: Surprised by Costco Citi VISA first statement
Replies: 28
Views: 4001

Re: Surprised by Costco Citi VISA first statement

Seems like Costco did their job well. Nothing to talk about here.
by cheesepep
Sat Aug 20, 2016 10:18 pm
Forum: Investing - Theory, News & General
Topic: Dividends - What's the point?
Replies: 12
Views: 2613

Re: Dividends - What's the point?

First and last post here. You are not supposed to buy stock funds that pay monthly dividends. That is more gambling. Second tip is you are not supposed to buy dividend stocks and then sell them right after the ex-dividend date. That is gambling also. Buy, hold on, and buy more if you have a good sto...
by cheesepep
Fri Aug 19, 2016 3:49 pm
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 142
Views: 10680

Re: Favorite Restaurant Stop on Road Trips

Cracker Barrel and McDonald's.
by cheesepep
Wed Aug 17, 2016 1:14 am
Forum: Personal Consumer Issues
Topic: AAA Car Batteries
Replies: 44
Views: 13445

Re: AAA Car Batteries

AAA is totally worth it. I once left the lights on in my Civic. Battery died. I forgot how I charged it, but I got it started and took it to the dealer to find the code for my car stereo. Dealer said battery is bad and needs to be replaced. I said no. Battery lasted another 3+ years afterwards. So h...
by cheesepep
Tue Aug 16, 2016 6:06 pm
Forum: Investing - Theory, News & General
Topic: Someone wants to pay me to manage their finances
Replies: 46
Views: 4565

Re: Someone wants to pay me to manage their finances

I would do it. Just need login name and password.

Go to advanced search