Search found 671 matches

by cheesepep
Sun Feb 19, 2017 3:55 am
Forum: Investing - Help with Personal Investments
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 3687

Re: What Do You Keep In Your Bank Safe Deposit Box?

I don't have one (but I should), but I would keep passport, old pictures, and old coins, and some cash.
by cheesepep
Thu Feb 16, 2017 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Why own individual stocks?
Replies: 77
Views: 4839

Re: Why own individual stocks?

Some people will always be disbelievers, no matter what evidence you throw out there. People here mostly believe if your name isn't WB or similar great names of investing, then it is impossible for anyone else to beat the market. Of course, that isn't true. By your premise, just because I scored an ...
by cheesepep
Wed Feb 15, 2017 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Why own individual stocks?
Replies: 77
Views: 4839

Re: Why own individual stocks?

MathWizard wrote:
cheesepep wrote:I'm 100% individual stocks. I do it because I like doing so and I can (and do) beat the market.

Congrats. We can't all be indexers. Everybody can't beat the market though, so I'll take the market average.

You are taking account of your costs I hope.

Good luck to you.


Thanks.
by cheesepep
Wed Feb 15, 2017 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Why own individual stocks?
Replies: 77
Views: 4839

Re: Why own individual stocks?

cheesepep: have you thought of running a mutual fund? I mean if you can beat the market continuously without fail (you sound very confident) then you should be in the news instead of Warren Buffett. Or at the very least, start a website for stockpickers, or perhaps sell a newsletter? You sound like...
by cheesepep
Wed Feb 15, 2017 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Why own individual stocks?
Replies: 77
Views: 4839

Re: Why own individual stocks?

I'm 100% individual stocks. I do it because I like doing so and I can (and do) beat the market.
by cheesepep
Wed Feb 15, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Word Doc/Need to Send via Mac - question
Replies: 9
Views: 667

Re: Word Doc/Need to Send via Mac - question

Pages for Mac can open it. Download for free on the Mac app store.

Google docs can also open it. MS Office online also can open it, if you have an account.

Many freeware can also open it. Just be careful of what you download. Try to find some free apps on the Mac app store.
by cheesepep
Tue Feb 14, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 14583

Re: Why do you go to restaurants?

I eat out every day (but not for every meal) because I can.
by cheesepep
Fri Feb 10, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Premier Online Deal?
Replies: 18
Views: 1468

Re: TurboTax Premier Online Deal?

First time TA user, long time TT user. I haven't officially done my taxes yet, but just played around with some of the stuff. All I can say now is that the TA interface is clearly a front for their web interface. Not much has been changed. TT is kind of the same, but more desktop oriented.
by cheesepep
Wed Feb 08, 2017 5:14 am
Forum: Personal Consumer Issues
Topic: Rule of Thumb for Getting Rid of Car
Replies: 40
Views: 3519

Re: Rule of Thumb for Getting Rid of Car

For me, anything more than ten years old or if I'm tired with it.
by cheesepep
Mon Feb 06, 2017 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software for 2016
Replies: 76
Views: 7567

Re: H&R Block Tax Software for 2016

Just downloaded the Mac version. Here's hoping it works and imports my TT data. Saved a lot of money, but who knows! If it goes well, I will buy the 2017 version next year.
by cheesepep
Mon Feb 06, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: Washer and dryer - upstairs or downstairs?
Replies: 52
Views: 2903

Re: Washer and dryer - upstairs or downstairs?

If I had a 2 story house, it would be downstairs. I prefer 1 story houses.
by cheesepep
Sun Feb 05, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Software - Opinions?
Replies: 23
Views: 1684

Re: Tax Software - Opinions?

Looking for suggestions. I usually use the download version of TT for Mac. My needs are to do self-employment expenses/small office deduction AND to import my stock trading data from Scottrade/CapitalOne AND to import my data from TT including my losses from previous years. Can H&R Block and/or ...
by cheesepep
Sun Feb 05, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Employer requesting signing NDA
Replies: 21
Views: 1510

Re: Employer requesting signing NDA

I would inform my boss that I am quitting soon and would prefer not to sign such an NDA. Quit if forced to. But your contract, regardless if on good terms or not, should stipulate your vacation days getting paid or not.
by cheesepep
Sun Feb 05, 2017 7:38 pm
Forum: Investing - Theory, News & General
Topic: turbotax- underpayment penalty
Replies: 10
Views: 1564

Re: turbotax- underpayment penalty

I always pay the IRS a penalty every year, around $200 for underestimating my taxes. No big deal for me. But this year, I plan on pre-paying more taxes than usual.
by cheesepep
Sat Feb 04, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: What bulk nuts do you buy and from where?
Replies: 26
Views: 2219

Re: What bulk nuts do you buy and from where?

I only buy nuts sparingly otherwise I would eat the entire jar and gain five pounds in one sitting.
by cheesepep
Sat Feb 04, 2017 3:25 am
Forum: Investing - Help with Personal Investments
Topic: Ethically Grading Your Portfolio
Replies: 21
Views: 1298

Re: Ethically Grading Your Portfolio

My personal portfolio has individual stocks in big oil, big tobacco, salty chips and fattening soda companies, and big nasty pharmaceutical companies. I love it all!
by cheesepep
Sat Jan 28, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Pay Your Monthly Bills?
Replies: 42
Views: 3610

Re: How Do You Pay Your Monthly Bills?

Where I live, I take my paper bills received in the mail to 7-11 (or other similar convenience store, of which there are many) and pay for them there. Very convenient. No need to create account and click this and that.
by cheesepep
Fri Jan 27, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Any engineers? Studying for Civil-Structural PE
Replies: 31
Views: 5910

Re: Any engineers? Studying for Civil-Structural PE

Helpful hint: for some questions, looking up a keyword in the word problems in one of your books can prove to be most helpful.
by cheesepep
Wed Jan 25, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: parking lot fender bender question
Replies: 27
Views: 2133

Re: parking lot fender bender question

I had a fender bender a while ago. Probably my fault. We agreed to not involve insurance. I met the guy at a mcdonalds two days later and handed him $120 to "keep quiet" and had him sign a waiver. I then fixed my own car which was $350 at a local body shop.
by cheesepep
Tue Jan 24, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: iPhone: Are Apple Maps as good as Google Maps?
Replies: 30
Views: 2831

Re: iPhone: Are Apple Maps as good as Google Maps?

iPhone user who uses GM about 80% of the time, especially for going overseas where they have FAR more useful data and PUBLIC TRANSPORTATION DIRECTIONS! When in the US, I use AM, except for when I need Street View, which only GM has. Very useful for when looking at prospective houses to buy. AM has f...
by cheesepep
Sat Jan 14, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Job dilemma
Replies: 24
Views: 1963

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: 977

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: 320
Views: 22857

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: 4047

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: 141
Views: 15924

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: 2040

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: 4047

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: 32
Views: 3007

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: 3278

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: 1473

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: 9172

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: 1288
Views: 210706

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: 1173
Views: 145130

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: 3384

Re: Any Buffett fans here?

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

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by cheesepep
Mon Jan 02, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1288
Views: 210706

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: 1288
Views: 210706

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: 4671

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: 10206

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: 3608

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: 5953

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: 4349

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: 9172

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: 2664

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: 4294

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: 1984

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: 6881

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: 935

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: 2498

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: 10736

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.

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