Search found 816 matches

by cheesepep
Sun Aug 18, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 134
Views: 9333

Re: Aliens have captured my husband [wants to buy a Porsche]

"World's biggest cheapskate"

"Previously owned a Miata"

Somehow I am doubtful of the first statement.
by cheesepep
Sun Aug 18, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Brown Bag Lunch Ideas
Replies: 70
Views: 4388

Re: Brown Bag Lunch Ideas

Rice with stir fried veggies and meat or rice with steamed veggies and steamed ground pork. Very delicious.

Relatively cheap and can make in advance. Easy to microwave. Add cut fruit if want.
by cheesepep
Sat Aug 17, 2019 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Lisbon cheap compared to many of the cities Western Europe?
Replies: 20
Views: 3070

Re: Why is Lisbon cheap compared to many of the cities Western Europe?

Oh. How the mighty has fallen. Portugal once owned a sizeable stake of the Americas, Africa, and parts of Asia. But now, basically only owns it original landmass with a dying economy. So...if I were inclined, I would take full advantage of it and book a nice vacation there if it is safe and has good...
by cheesepep
Wed Aug 07, 2019 6:12 pm
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 102
Views: 9962

Re: Amazon -- no longer the lowest prices, evidently

Many, many items are MUCH cheaper elsewhere. Crazy how little people know when they shop on Amazon. The markups are crazy on many items.
by cheesepep
Mon Jul 29, 2019 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One data breach
Replies: 56
Views: 5077

Re: Capital One data breach

As a huge user of CapitalOne credit cards and a user of their savings products, I am definitely concerned. I know it won't do anything, but I will use Chase products more and CapitalOne products less because of this breach. Hope companies invest more in technology to protect their users better. And ...
by cheesepep
Sun Jul 28, 2019 9:09 am
Forum: Personal Investments
Topic: User hostility when transferring brokerage accounts
Replies: 36
Views: 3710

Re: User hostility when transferring brokerage accounts

I guess I'm not like other people who transfer their accounts just to get a cash bonus, so they have a lot of experience here. This is probably my first brokerage transfer. I have, however, used many brokerage accounts, but they seem to get bought out or merged so many times. People say it is typica...
by cheesepep
Sun Jul 28, 2019 7:28 am
Forum: Personal Investments
Topic: User hostility when transferring brokerage accounts
Replies: 36
Views: 3710

Re: User hostility when transferring brokerage accounts

I just expected some email saying "Your account is closing soon. You have 1 month (or something) to download account statements."

Sure, I'm sure it is in their TOS, but a nice, friendly email would have made a lot of difference.
by cheesepep
Sun Jul 28, 2019 5:36 am
Forum: Personal Investments
Topic: User hostility when transferring brokerage accounts
Replies: 36
Views: 3710

User hostility when transferring brokerage accounts

Not going to name the names of the brokerage firm names that I transferred out of, but I recently transferred two accounts from brokerage firm A and B to Schwab. Both A and B charged me a $75 transfer fee! And brokerage firm B also locked me out of my account so I could not access any statements or ...
by cheesepep
Wed Jul 24, 2019 8:20 am
Forum: Personal Investments
Topic: Charles Schwab vs. J.P. Morgan. Which one to invest?
Replies: 22
Views: 2519

Re: Charles Schwab vs. J.P. Morgan. Which one to invest?

Interesting question. I just opened a brokerage account with the same very 2 companies. As my account is still being transferred to Schwab from a brokerage not named, I cannot really say much, but generally speaking, I do much prefer the trading interface of it than JPM's You Invest, which is very, ...
by cheesepep
Sat Jul 20, 2019 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should relative incomes be a factor in wedding gift?
Replies: 107
Views: 6534

Re: Should relative incomes be a factor in wedding gift?

Some (I think most) questions regarding income in this forum are a bit idiotic. The answer, of course, is no. Of course, you already knew this.
by cheesepep
Sun Jul 14, 2019 3:46 am
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 8971

Re: Who cuts your hair? And for how much?

About $8-9. No tip. Perfect cut, OK service.
by cheesepep
Tue Jul 09, 2019 12:18 am
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 94
Views: 11229

Re: What backup service to use?

Backing up ONLINE is insane. One local copies for me.
by cheesepep
Mon Jul 08, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Going to law school question
Replies: 55
Views: 3560

Going to law school question

I want to be an attorney, not really, but kind of. I want the easiest and possibly cheapest way of becoming an attorney. I really don't care what law school I go to, accredited or not (don't mind taking the baby bar), but want to take the bar in the easiest state possible. Why? The real reason remai...
by cheesepep
Fri Jul 05, 2019 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Employers asking salaries
Replies: 47
Views: 6012

Re: Employers asking salaries

To me, it should be perfectly legal. If they offer you a salary, you aren't forced to accept. There are other places. There is still bargaining. Nothing is set.
by cheesepep
Tue Jul 02, 2019 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 168
Views: 18150

Re: Which Engineering Discipline for the next 20+ years !!!

tooluser wrote:
Tue Jul 02, 2019 8:56 pm
I recommend getting a Master's degree instead of a double B.S.E.
I agree with this. A masters degree looks stronger than two bachelors degree. I also have a MS EE, which has helped me a lot throughout my years.
by cheesepep
Tue Jul 02, 2019 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 168
Views: 18150

Re: Which Engineering Discipline for the next 20+ years !!!

I double majored in electrical and computer engineering for my bachelors. It was hard, hard, and to be honest, there was a lot of tears involved but I did finish. I first did computer engineering then started taking more electrical courses then decided to double major then decided to quit computer e...
by cheesepep
Sat Jun 22, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7886

Re: How do you approach tipping at carry-out restaurants

I think the idea of carry-out restaurants is weird. The idea of eating restaurant food is to eat IN a restaurant, but that is just me... Tipping is just stupid, plain and simple. Many other countries don't tip and you still get good service. In the US, tipping is just a bribe. Don't tip and no good ...
by cheesepep
Wed Jun 19, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 555
Views: 50585

Re: Why are you NOT buying rental properties?

Yeah, buying and renting rental properties is not as difficult nor as terrible as people make it out to be. My family has been in the business for years and years and the money is good. If rent to the right people, maintenance is low. Many (not some) of rented our properties for 5, 10, 15+ years. Pr...
by cheesepep
Sun Jun 09, 2019 7:26 pm
Forum: Investing - Theory, News & General
Topic: What percentage of time does 100% stocks win?
Replies: 52
Views: 6796

Re: What percentage of time does 100% stocks win?

A win is subjective, subject to if you want passive income or total income, etc. If you use the normal definition of total income over a set period of time, 100% of stocks for most investors will probably lose to the total stock market index. For my own portfolio of 100% stocks over the last 10 year...
by cheesepep
Sun May 19, 2019 12:45 am
Forum: Personal Consumer Issues
Topic: How do I prevent yellow underarm stains on my white shirts?
Replies: 24
Views: 3408

Re: How do I prevent yellow underarm stains on my white shirts?

There are some dress shirts with built in tampax pads in the armpit area. Consider buying those. Saw it on shark tank once.
by cheesepep
Thu May 09, 2019 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you donate?
Replies: 100
Views: 7900

Re: How much do you donate?

Absolutely zero. Donating is foolish. I sometimes give spare change or whatever to a homeless person on the street, but I don't donate any money, especially nothing like a % of income. I used to donate a few hundred to cancer research but after getting spammed by many, many snail mails saying how my...
by cheesepep
Wed May 08, 2019 4:38 am
Forum: Personal Finance (Not Investing)
Topic: What’s in your pocket?
Replies: 22
Views: 2194

Re: What’s in your pocket?

Usually nothing at all. I carry a small messenger bag with me with phone and wallet. No keys as I have electronic door lock with passcode. Wallet is a slim one with few things inside, just the basics. I sometimes temporarily put the wallet and phone in pocket.
by cheesepep
Fri Apr 19, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: In search of a dishwasher that dries plastics well...
Replies: 54
Views: 2213

Re: In search of a dishwasher that dries plastics well...

Somewhat related, but I really don't understand the point of dishwashers. They are not economical (most at least), take a long time to load and unload, and don't even wash well. You often need to pre-wash also for many dishes or scrub all of the debris off before the actual washing. I much prefer to...
by cheesepep
Wed Apr 17, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: Washing Machine that uses a LOT of Water
Replies: 73
Views: 4445

Re: Washing Machine that uses a LOT of Water

Somewhat related note, people wash their clothes way too often.
by cheesepep
Wed Mar 27, 2019 3:30 am
Forum: Investing - Theory, News & General
Topic: I hate bonds
Replies: 116
Views: 13693

Re: I hate bonds

I also hate bonds, so I own zero of them.
by cheesepep
Tue Mar 26, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Apple Card
Replies: 115
Views: 10025

Re: Apple Card

Three main differences between this card and others: 1) More privacy. Apple doesn't know anything about your purchases including what you bought, where, and how much. GS promises not to sell this information to 3rd parties like other credit card issuers who will mail you spam mail through USPS. 2) M...
by cheesepep
Sat Mar 23, 2019 5:37 am
Forum: Personal Consumer Issues
Topic: Anybody tempted by the new iPads?
Replies: 37
Views: 3284

Re: Anybody tempted by the new iPads?

Kind of tempted to buy a mini just for the fun of it. I own a iPad Pro is 10.5” and love it but a lighter mini to bring it with my laptop will be less weight on my back. I use my iPad a lot for viewing stocks and videos.
by cheesepep
Thu Mar 21, 2019 7:38 pm
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 108
Views: 5464

Re: Do you still wear a necktie to work?

Absolutely not. I would not join any company if they had such a dress code either. My HS teacher wore one to school every day. He said it made him feel more professional. To an extent, it is true, but still stupid. Business dress is utterly stupid. A suit has shoulder pads! Why would I need shoulder...
by cheesepep
Wed Mar 13, 2019 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Bright daughter wants to work for nonprofit
Replies: 103
Views: 8307

Re: Bright daughter wants to work for nonprofit

Reminds me of some Judy Judy episodes where the defendants say that their daughter/son/husband/wife/pit bull are so nice, plays so well with kids, the nicest thing in the world and would never commit and offense and somehow the plantiff put them up to it/tricked them/open the gate/instigated the sit...
by cheesepep
Sun Mar 10, 2019 11:58 pm
Forum: Personal Investments
Topic: Spouse wants to buy individual stocks
Replies: 78
Views: 6063

Re: Spouse wants to buy individual stocks

Of course. My entire portfolio is made of individual stocks and I have outperformed the market each and every year since 2012, with the exception of last year (2018) where I got crushed by making quite a few bad decisions. I'm determined not to make the same bad decisions this year and hope for Chin...
by cheesepep
Tue Mar 05, 2019 6:58 pm
Forum: Personal Investments
Topic: Time to sack Warren Buffett?
Replies: 41
Views: 4269

Re: Time to sack Warren Buffett?

He's outperformed the market over the last few years. 2018 returns were 2.8% vs. (4.4)% of the S&P 500 2017 returns were 21.9% vs. 21.8% for the S&P500 2016 returns were 23.4% vs. 12.0% for the S&P 500 You can see it his latest letter: http://www.berkshirehathaway.com/letters/2018ltr.pdf Yeah. Can’...
by cheesepep
Wed Feb 27, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: Microsoft Office for Mac Training provided by Microsoft retail stores
Replies: 9
Views: 437

Re: Microsoft Office for Mac Training provided by Microsoft retail stores

If you need it, $149 for an annual one-on-one training is very good. Go for it!
by cheesepep
Fri Jan 18, 2019 10:00 pm
Forum: Personal Investments
Topic: Wire $50K Out of the Country
Replies: 15
Views: 1618

Re: Wire $50K Out of the Country

Question for foreign wires. This happens to me and happens to foreign clients who wire money to me. When someone wires, say $1000, to a foreign bank (or vice versa), I receive only $975 and I also pay a $15 wire transfer fee, so I only receive $960. How come I can't receive $1000 (of course I owe th...
by cheesepep
Fri Jan 11, 2019 5:38 am
Forum: Investing - Theory, News & General
Topic: Around 43K in dividends last year - feel good about it ?
Replies: 188
Views: 20826

Re: Around 43K in dividends last year - feel good about it ?

Don’t listen to these total return people here. 43k is good and most is tax free or taxed at a low rate. The income is earned every quarter and can pay bills and don’t want to wait until you are 65 and sell. That sit eh beauty of dividends.
by cheesepep
Sat Dec 01, 2018 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Ally CC Offer
Replies: 35
Views: 3705

Re: Ally CC Offer

For me, nothing beats my Capital One Venture card. As soon as the transaction posts, you can request a credit. No need to wait for the end of month of year. And get 10 percent back on hotels.com. Has saved me thousands last few years using it.
by cheesepep
Thu Nov 29, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Tipping lawn service and trash pickup
Replies: 48
Views: 4294

Re: Tipping lawn service and trash pickup

Tipping in US culture is insane and is getting even more so with every passing year. Definitely no tipping the garbage guy. Tipping a person to do his/her normal, everyday job, is insane.

I work in an office and I most certainly don't receive any tip.
by cheesepep
Mon Nov 12, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4226

Re: tipping for grocery delivery

I don't tip ANYONE, except at restaurants (only because I'm forced to) and the Uber/Lyft driver if they do a good job (not just a normal job).
by cheesepep
Sun Nov 11, 2018 12:44 am
Forum: Personal Consumer Issues
Topic: question from "not the smartest personal computer guy in the world"
Replies: 12
Views: 1774

Re: question from "not the smartest personal computer guy in the world"

Although google does a good job of protecting your dat through use of chrome, it is still and foremost an ad company. There is a reason why their products are free or super cheap. I make very little use of most google products myself. I still use some google stuff but I use alternatives when possibl...
by cheesepep
Fri Nov 09, 2018 7:58 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 55
Views: 6797

Re: Warren Buffett Books

Kind of related, but I encourage people to read books on Ray Kroc and mcdonalds and also on Walmart. Interesting reads.
by cheesepep
Tue Oct 30, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Painting fireplace; what to do with hearth?
Replies: 18
Views: 1299

Re: Painting fireplace; what to do with hearth?

I'm trying to buy a house without a fireplace (SoCal) as it is one of the useless things in the world for a house. It also takes up a huge amount of room better left off to a built in bookcase or another couch or a play area. Want heat? Buy an electric heater. Want that flame look? Again, electric f...
by cheesepep
Mon Oct 29, 2018 12:01 am
Forum: Personal Consumer Issues
Topic: Additional charges for kids in Las Vegas hotels
Replies: 25
Views: 2813

Re: Additional charges for kids in Las Vegas hotels

On a related question but overseas at a four star horel, I booked a room with two twin or full beds and I guess I clicked on one person when I booked online. I came to the hotel desk and the person charged me for more than the amount I was initially billed because I had two people. I complained and ...
by cheesepep
Thu Oct 11, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 6602

Re: Anyone done a Hair Transplant?

Sorry for some of the people who just say shave the hair all off. Some people look absolutely horrible with a shaved head (depends on head structure among other things) or just look a ton better with a full head of hair (or the like). For me, my brother is basically bald and I'm luckily with most of...
by cheesepep
Sat Sep 29, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Costco vision / first time at Costco
Replies: 21
Views: 2136

Re: Costco vision / first time at Costco

I go to Costco overseas for my glasses. I pay cash. I get great glasses at a great price. No silly two year prescription needed also. Love it.
by cheesepep
Sat Sep 22, 2018 3:12 am
Forum: Investing - Theory, News & General
Topic: Simple-minded sayings?
Replies: 37
Views: 3235

Re: Simple-minded sayings?

Be like water.

-Bruce Lee

Probably applies to investing also. Don’t be fixated on one thing.
by cheesepep
Sat Sep 15, 2018 5:27 am
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 71
Views: 5863

Re: [Wearing] Shorts in Egypt

I try not to wear shorts in foreign countries. Insects love me too much. Wear inside hotel room.
by cheesepep
Fri Aug 31, 2018 12:06 am
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 157
Views: 11059

Re: How do you save money on groceries?

If you really want to save money, you got to eat differently — at least different from an average American meal. No silly hamburgers, pizzas, fake meat, salads, etc. eat more “ethnic” food with loads with cooked veggies, rice with every meal, tea, soup (clear soup, no cream soups) and fruit for dess...
by cheesepep
Sat Aug 25, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 9065

Re: $65K Fun Daily Driver

Fully loaded Model 3. Thank me later.
by cheesepep
Wed Aug 22, 2018 5:01 am
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9916

Re: Landlord Nightmare

I was a landlord before renting in a low-income primarily hispanic area. I was showing a house for open house one day for prospective buyers, who, if interested, fill out a personal information form. The personal information form asked for SSN (optional( for, I guess, income check verification (whic...
by cheesepep
Mon Aug 20, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: New 2018 Honda Odyssey Problem - Need Advice
Replies: 50
Views: 21197

Re: New 2018 Honda Odyssey Problem - Need Advice

Totally your wife's fault, don't blame the car. Take the loss, if needed. It is not a truck platform, it is on a crossover platform (if that), which is more car than truck.