Search found 887 matches

by cheesepep
Thu Jul 09, 2020 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Checking in at a hotel with a credit card
Replies: 9
Views: 1221

Checking in at a hotel with a credit card

Two questions actually: 1) If I booked online using a credit card, and then I check in and don't have the physical card that I checked in with (just have it on Apple Pay), would it be ok? 2) If I booked a hotel for someone else, and that person checked in at the hotel without me present and without ...
by cheesepep
Wed Jul 08, 2020 3:36 pm
Forum: Personal Consumer Issues
Topic: Brooks Brothers Bankruptcy - Quality Issues
Replies: 49
Views: 4953

Re: Brooks Brothers Bankruptcy - Quality Issues

Bought a pair of men's dress socks there once and only once. That was before I realized that all men's dress socks are ridiculously long and I vowed never to wear such things ever again. Nothing to do with BB's quality.
by cheesepep
Mon Jul 06, 2020 4:36 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?
Replies: 153
Views: 7496

Re: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?

My current wallet costs me about 80....that is 80 RMB, which is about USD $12. Super nice wallet and slim. My 2nd one in about 10 plus years so far. Plover is the brand. Highly recommended.
by cheesepep
Mon Jun 22, 2020 9:36 pm
Forum: Investing - Theory, News & General
Topic: Researching Schwab Intelligent Income ....
Replies: 7
Views: 734

Re: Researching Schwab Intelligent Income ....

I personally don't use it (am a Schwab user and stockholder), but it seems ok for someone who has a large portfolio and wants the "set it and forget it" strategy and has 10+ years timeline.
by cheesepep
Mon Jun 22, 2020 9:34 pm
Forum: Personal Consumer Issues
Topic: Tipping Tree Trimming
Replies: 62
Views: 2874

Re: Tipping Tree Trimming

I don't tip at all. Not even at restaurants. Ok, maybe I am pressured to do so, but it is around a 12% tip, nothing more. And I live in California. I don't believe in tipping more (dollar wise) for my $6 hamburger versus a $20 hamburger at a more expensive place. Same service. Tree trimming is a fla...
by cheesepep
Thu Jun 18, 2020 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Might buy a beach house. Looking for advice.
Replies: 42
Views: 5771

Re: Might buy a beach house. Looking for advice.

Apparently the house is not for sale and you want to buy it. No one is going to show you 5 years of private information of how much it was rented for. Keep on dreaming. It isn't a public company.
by cheesepep
Thu Jun 11, 2020 8:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19303
Views: 2679239

Re: U.S. stocks in free fall

Buying JPM and SCHW and RTX, among others. Loving it.
by cheesepep
Tue Jun 09, 2020 12:30 am
Forum: Investing - Theory, News & General
Topic: How to deal with single stock friends
Replies: 41
Views: 3332

Re: How to deal with single stock friends

Leave them be. It is like I'm X religion and my friends are of Y religion, or I am a vegetarian and my friends are omnivores. It is the same thing. Different people for different things. I'm a stock picker myself and I love it. Don't want anyone to change me.
by cheesepep
Thu Jun 04, 2020 7:48 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536675

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

8.09% YTD with no new funds added. 100% dividend paying stocks and large cash reserve. Top 2 current holdings are JPM and SCHW.
by cheesepep
Sun May 31, 2020 9:12 pm
Forum: Personal Investments
Topic: Chase You Invest - "Invest and Forget"
Replies: 9
Views: 1188

Re: Chase You Invest - "Invest and Forget"

Was a YouInvest client for a bit. Ok for what you get. A bit bare bones for me. Cannot even configure the portfolio to display what you want. I got the $2,500 signing bonus and I was out to Schwab. But certainly convenient for Chase customers (of which I am one).
by cheesepep
Thu May 28, 2020 7:56 pm
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 183
Views: 9826

Re: Tips to stick to a weight loss diet?

On a diet myself now and losing a bit of weight, albeit a bit slow, but ok. I'm eating the same foods as before (including ice cream), but a bit less carbs and drinking more water and tea. Drink a large cup of warm water before every meal. Also, limit carb intake during dinner (or keep it zero) whil...
by cheesepep
Thu May 28, 2020 7:51 pm
Forum: Personal Investments
Topic: If not 3 fund, whats your strategy ?
Replies: 66
Views: 4402

Re: If not 3 fund, whats your strategy ?

100% individual stocks, most of them dividend paying. I have less than 10 stocks and most of the time, less than 7. How are you picking and exiting individual stocks? I’m following 3 fund in our IRAs and 401ks but am playing with dividend stocks in my taxable account (I know, I know... slowly conve...
by cheesepep
Wed May 27, 2020 7:33 pm
Forum: Personal Investments
Topic: If not 3 fund, whats your strategy ?
Replies: 66
Views: 4402

Re: If not 3 fund, whats your strategy ?

100% individual stocks, most of them dividend paying. I have less than 10 stocks and most of the time, less than 7.
by cheesepep
Tue May 19, 2020 4:33 am
Forum: Personal Consumer Issues
Topic: Tea supplier comparison
Replies: 74
Views: 5787

Re: Tea supplier comparison

Some tea buying/making tips: 1) Buy loose tea when available. They are made from the leaves of the tea plant. Tea from tea bags are usually (or mostly) made from tea made from the stems of the tea plant. 2) Choose your tea bag carefully. Even if buying pre-bagged tea such as Twinnings or some other ...
by cheesepep
Sat May 16, 2020 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?
Replies: 62
Views: 3938

Re: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?

If you have to worry about such a situation, then you shouldn't have not bought the car in the first place. Think about it. Financial security before splurging.
by cheesepep
Sun May 10, 2020 5:59 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536675

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

I'm 100% individual stocks + cash and I'm up about 2% YTD. My main downers are PSX and CBRL. If they are excluded, I would be up around 8% or so. Your AA is like 110% or more? Just having problems with your math. If I exclude the effects from my two main losing stocks, I would be up another 6%. I f...
by cheesepep
Sun May 10, 2020 2:27 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536675

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

I'm 100% individual stocks + cash and I'm up about 2% YTD. My main downers are PSX and CBRL. If they are excluded, I would be up around 8% or so.
by cheesepep
Fri Apr 24, 2020 3:45 am
Forum: Personal Consumer Issues
Topic: Car shopping PHEV / ICE / or all electric?
Replies: 75
Views: 6250

Re: Car shopping PHEV / ICE / or all electric?

Previous car is a Honda CR-V. Current car is Tesla Model 3 performance. I much prefer sedans even without considering the ICE/battery question. Where I live, charging is free so I never have issues. I tend to eat at hotels with destination chargers.
by cheesepep
Thu Apr 23, 2020 4:44 am
Forum: Personal Consumer Issues
Topic: Air Purifier
Replies: 23
Views: 1292

Re: Air Purifier

I use a Honeywell air purifier that I got at Costco. Does the job well. No complaints.
by cheesepep
Wed Mar 25, 2020 8:43 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 320
Views: 26264

Re: How much you lost/gain since Feb 20,2020 ?

Down 5.8% across my entire portfolio, mainly due to one stock: PSX. Still long and buying individual stocks. Got a little crazy during the panic and bought too many stocks (12 now, where I usually have 7 or so). Buying finance stocks, restaurant, and tech mainly. PSX, I bought 3 weeks too early even...
by cheesepep
Wed Dec 25, 2019 7:41 pm
Forum: Personal Consumer Issues
Topic: [Tesla truck]
Replies: 170
Views: 12952

Re: [Tesla truck]

Let's face it: the only reason why the vast majority of people are placing orders for this truck is because they are all craving attention. They all want people to look at their car as they drive by. They want their neighbors to question them about why they bought it, how do you like the looks, etc....
by cheesepep
Wed Dec 18, 2019 11:36 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 170809

Re: What frugal thing did you do today?

Bought 2 lemons from the market today. Placed them in a free plastic bag. Bought some other items also. Finished checking out and declined the supermarket bag and placed all items in the bag with the lemons.
by cheesepep
Sat Dec 14, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: Re: Amazon Echo, Alexa, and privacy concerns
Replies: 41
Views: 2592

Re: Amazon Echo, Alexa, and privacy concerns

Absolutely no smart speakers and no Alexa or other things in my house ever. It is a privacy issue and I gain very little from it.
by cheesepep
Mon Dec 09, 2019 8:30 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge is Going Commission-Free
Replies: 20
Views: 2363

Re: Merrill Edge is Going Commission-Free

People say that RobinHood was the one that started it and it is true, but the industry was going that route eventually. Commissions used to be $49 down to $19.99 to $14.95 to $9.99 to $4.95 and now free. Schwab was the main brokerage firm that really started the momentum going and now with the merge...
by cheesepep
Sun Dec 01, 2019 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Why I love banks
Replies: 79
Views: 10353

Re: Why I love banks

I love banks also. Can use them for bill pay, deposit money, use ATMs, ask for advice including medallion, home mortgages, etc, all for basically free (except the mortgage part of course). Just keep some money in the bank to meet minimum requirements. On top of that, they make great individual stocks!
by cheesepep
Mon Nov 25, 2019 2:05 am
Forum: Personal Consumer Issues
Topic: [Tesla truck]
Replies: 170
Views: 12952

Re: [Tesla truck]

I have no use for a truck. I like my cars to be small and nimble. I will not be a buyer, but I'm glad Tesla is pushing the boundaries of design. Not only that but it is not a body on frame vehicle. To me, that is the most remarkable thing. While other cars are like a skeleton with flesh on the outsi...
by cheesepep
Sat Nov 23, 2019 11:11 am
Forum: Investing - Theory, News & General
Topic: Schwab acquiring TD Ameritrade
Replies: 138
Views: 14934

Re: Schwab acquiring TD Ameritrade

I've been through many brokerages throughout the years, first starting with Dates upon seeing their commercials long ago saying something that it is for the professional traders (which I am not) and how fast it executes. Since then, through mergers and other things, I've been through most of the maj...
by cheesepep
Tue Nov 19, 2019 10:44 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffet says NOT to diversify?
Replies: 37
Views: 5351

Re: Warren Buffet says NOT to diversify?

He said don't diversify if you know what you are doing. Diversify if you have no idea what you are doing (by buying an index fund). Something along those lines. Charlie Munger only owns 4 stocks/funds for his family including BRK.A and Costco. I only have between 7-10 individual stocks for my own po...
by cheesepep
Tue Nov 19, 2019 12:26 am
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 174
Views: 13281

Re: Investing $140k in cash at 1k per week

Nothing wrong with the plan. With the market at all time highs, investing all at once is risky. Sure it is market timing, but nothing wrong with that. Be cautious. Invest a bit slowly. I would personally do 2K every month instead. More so if the market sours.
by cheesepep
Sun Nov 17, 2019 12:08 am
Forum: Personal Investments
Topic: Whats your favorite financial related site? (news, tips, anything!)
Replies: 23
Views: 2691

Re: Whats your favorite financial related site? (news, tips, anything!)

I pretty much only visit these sites:

Yahoo finance
seekingalpha
bogleheads

Occasionally visit Nasdaq.com for other historical info, but that is it.
by cheesepep
Tue Nov 12, 2019 7:04 pm
Forum: Personal Investments
Topic: BRK.B
Replies: 22
Views: 3074

Re: BRK.B

Sell some of the losers this year and some next year for tax loss harvesting. The same for the gains to balance out the losses. I'm 100% individual stocks so it depends on the individual. But I do like dividends but I do occasionally hold a non-dividend stock (currently holding LUK).
by cheesepep
Sun Nov 10, 2019 7:18 pm
Forum: Personal Consumer Issues
Topic: Fruit Fly Problem
Replies: 27
Views: 3249

Re: Fruit Fly Problem

ACV does the trick. I had a very interesting scenario a few weeks ago. I was moving from house A to house B and left house A empty for 2 days and when I came back to one room in house A, there was at least 50 houseflies inside the one room. From very large, mature flies to the occasional small fly, ...
by cheesepep
Thu Nov 07, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 153
Views: 34893

Re: Anyone want to share their monthly budget? Here's ours

I don't budget. I just keep costs low. Splurge a few times but absolutely no budget. In fact, I throw out almost all receipts as soon I as get them.
by cheesepep
Tue Nov 05, 2019 6:02 pm
Forum: Investing - Theory, News & General
Topic: Robinhood, Heading for a Trainwreck?
Replies: 42
Views: 6326

Re: Robinhood, Heading for a Trainwreck?

Was previously thinking of opening a RH account and I wasn't too concerned about them being a startup. Main concern was their customer service or lack thereof. Have to talk to a bot and getting a human is next to impossible. Hence, I am with Schwab.
by cheesepep
Sun Nov 03, 2019 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 14232

Re: Apple Pay. Does anyone use it?

Some people are confused: There is Apple Pay, which you can use at credit card terminals that support NFC. Not all terminals support NFC, but it is increasing. Notable holdouts include Walmart. There is Apple Pay on the web, which is used to input your credit card details online. So you don’t need t...
by cheesepep
Thu Oct 31, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 14232

Re: Apple Pay. Does anyone use it?

Walmart is the lone big holdout from using Apple Pay that I know of. They want you to use their app instead which can be used to mine data. Apple Pay limits how much data that they can mine from you, especially if you use it in conjunction with Apple card. The amount of data mined is pretty much nil...
by cheesepep
Wed Oct 30, 2019 4:36 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 14232

Re: Apple Pay. Does anyone use it?

I use it and it is nice, but I don't get some retailers who have the credit card reader "hidden" where they have to hold the reader to you for you to make the transaction. The reader should be on the counter within reach and not hidden.
by cheesepep
Tue Oct 29, 2019 4:55 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536675

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

Up 36% YTD. 100% individual stocks, most of them dividend paying. Not a small portfolio either. What does the size of the portfolio have to do with this? Just curious to know what I might be missing. Similar to the rule of diminishing returns. If you have a small portfolio, going from $1000 to $110...
by cheesepep
Tue Oct 29, 2019 4:54 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536675

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

Up 36% YTD. 100% individual stocks, most of them dividend paying. Not a small portfolio either. What does the size of the portfolio have to do with this? Just curious to know what I might be missing. Similar to the rule of diminishing returns. If you have a small portfolio, going from $1000 to $110...
by cheesepep
Mon Oct 28, 2019 10:19 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536675

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

Up 36% YTD. 100% individual stocks, most of them dividend paying. Not a small portfolio either.
by cheesepep
Thu Oct 24, 2019 8:50 pm
Forum: Personal Consumer Issues
Topic: Home Depot and Lowe's product reviews
Replies: 25
Views: 3458

Re: Home Depot and Lowe's product reviews

I typically only leave reviews if the product is good, not bad. Kind of weird.

One time I left a bad review of some tour agency and I was contacted by them to take it down, which I declined.
by cheesepep
Mon Oct 21, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord Question
Replies: 16
Views: 2441

Re: Landlord Question

If have a good tenant, raise rent every 3 years, but minor raises. Always keep rent below market value. I've had a lot of experience with rental properties and some people rent for a very long time using this way. And they are quite happy also and won't bug you as much with issues.
by cheesepep
Sat Oct 19, 2019 10:15 am
Forum: Personal Investments
Topic: Transfer ETF's in-kind from Vanguard to Schwab?
Replies: 22
Views: 1683

Re: Transfer ETF's in-kind from Vanguard to Schwab?

Thanks for the two above posts. Yeah my account was transferred in kind. I did contact Chase and waiting for their reply.
by cheesepep
Sat Oct 19, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: iPadOS - Anyone Upgraded?
Replies: 8
Views: 703

Re: iPadOS - Anyone Upgraded?

I have an iPad mini fifth gen with iPad OS. Works well and no issues. Love the split screen and can have multiple ones also with the same app or different apps in different windows. Safari has a download manager also and downloads to the improved file manager.
by cheesepep
Sat Oct 19, 2019 7:27 am
Forum: Personal Investments
Topic: Transfer ETF's in-kind from Vanguard to Schwab?
Replies: 22
Views: 1683

Re: Transfer ETF's in-kind from Vanguard to Schwab?

Not sure what "in-kind" means and maybe someone can enlighten me. But I did a transfer from Chase YI to Schwab and my MJLXX (or something like that, a JPM MMA) didn't transfer because Schwab couldn't transfer it. I tried to sell it at Chase, but I couldn't because "a transfer was in progress." Any i...
by cheesepep
Wed Oct 16, 2019 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Chase "You Invest" account - Biggest complaint
Replies: 25
Views: 4631

Re: Chase "You Invest" account - Biggest complaint

I hold MJLXX for my MMA needs at Chase You Invest. Lack of a decent interest rate for spare change is an issue, yes, but the main issue is that the website is just a bit wonky. I cannot place a trade anywhere I want or see my portfolio or transaction history unless I am on a specific part of their w...
by cheesepep
Sat Oct 12, 2019 9:37 pm
Forum: Investing - Theory, News & General
Topic: Do You Think Vanguard Will Join The No Commission Party?
Replies: 46
Views: 6335

Re: Do You Think Vanguard Will Join The No Commission Party?

Also, say you do have over a million dollars at vanguard and trade stocks five times a year. Assuming each trade is $5 and you switch over to Schwab which is offering a $2500 bonus and free trades, it could earn or save you $2500 plus $25. Good? Depends on you. Sometimes switching brokerages can be ...
by cheesepep
Sat Oct 12, 2019 9:14 pm
Forum: Investing - Theory, News & General
Topic: Do You Think Vanguard Will Join The No Commission Party?
Replies: 46
Views: 6335

Re: Do You Think Vanguard Will Join The No Commission Party?

The point is that vanguard is first and foremost a place not to trade stocks but for people who do trade stocks in their vanguard account, may it be just three times a year, it is an added cost. A cost that is not free compared to the offerings of other similar companies such as Schwab and fidelity ...
by cheesepep
Sat Oct 12, 2019 7:44 pm
Forum: Investing - Theory, News & General
Topic: A great example of single stock risk
Replies: 51
Views: 6002

Re: A great example of single stock risk

I hate it when people cherry pick a single stock to prove their point. Yes, PG&E is a dead stock and there are many others such as Enron, etc. No one here (especially here) as advocated buying a single stock. Everyone has heard of diversification. Yes, buying the market is overall less risky than bu...