Search found 628 matches

by cheesepep
Sat Dec 03, 2016 6:41 pm
Forum: Personal Consumer Issues
Topic: Anyone use a tankless hot water heater???
Replies: 26
Views: 2263

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: 58
Views: 2721

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: 1686

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: 6136

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: 834

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: 2376

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: 9971

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: 4247

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: 6218

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: 2004

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: 2103

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: 2176

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: 2679

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: 9654

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: 861

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: 3207

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: 3034

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: 1653

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: 1322

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: 23
Views: 2895

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: 3329

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: 65
Views: 5015

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: 3898

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: 2588

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: 10170

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: 11447

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: 4450

Re: Someone wants to pay me to manage their finances

I would do it. Just need login name and password.
by cheesepep
Sun Aug 14, 2016 6:11 pm
Forum: Personal Consumer Issues
Topic: Post Office Boxes-Junk and prior renter's mail
Replies: 32
Views: 2178

Re: Post Office Boxes-Junk and prior renter's mail

Only semi-related, but I only donate to a certain cause and only once a year and I absolutely hate it when I get "junk mail" from them several times a year asking for more money and/or updating me on their strategy to become better. How can I get rid of this mail?
by cheesepep
Fri Aug 12, 2016 5:44 am
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 155
Views: 10839

Re: How much vacation time do you get at work?

I am actually fairly senior but I took a job overseas and forgot to bargain for leave time. AFTER one year of service, I get 7 days paid leave. Quite sad. Good thing I don't mind not getting paid for the leave I will take.
by cheesepep
Thu Aug 11, 2016 6:54 pm
Forum: Personal Consumer Issues
Topic: How to address a college professor with a PhD (Dr. or Prof.)
Replies: 60
Views: 3057

Re: How to address a college professor with a PhD (Dr. or Prof.)

I never ever call someone a doctor unless he/she has an MD. Simple as that.
by cheesepep
Mon Aug 08, 2016 6:55 pm
Forum: Personal Consumer Issues
Topic: Do you have a handyman?
Replies: 32
Views: 3034

Re: Do you have a handyman?

I know someone with a few rental properties that uses a handyman (who is also licensed in some stuff) for practically anything from putting up a new wooden/chain link fence to plumbing to electrical issues.
by cheesepep
Sat Jul 30, 2016 6:30 am
Forum: Personal Finance (Not Investing)
Topic: IRS questioning my backdoor roth?
Replies: 46
Views: 5930

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: 1284

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: 85
Views: 5766

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: 2668

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: 1819

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: 3252

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: 76
Views: 8165

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: 4950

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: 9174

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: 2269

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: 168
Views: 12862

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: 9174

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: 9174

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: 9174

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: 9174

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: 5655

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: 5057

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: 9112

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: 1727

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.

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