Search found 695 matches

by cheesepep
Mon Oct 23, 2017 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Dividing monies from Trust per the will
Replies: 13
Views: 414

Re: Dividing monies from Trust per the will

Yes, my post has a few typos as I was typing while waiting in line for something...As stated, I am not a person versed in tax stuff, so my post was just information, nothing more.
by cheesepep
Mon Oct 23, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: negotiating a home purchase (price reduction v work done by seller)
Replies: 7
Views: 236

Re: negotiating a home purchase (price reduction v work done by seller)

Having sold some houses in AS IS condition regardless of condition of house or repairs needed or wanted, I am unwilling to do any repairs before selling. I’m ok dropping the price to account for some repairs (definitely not all) but will not do the repairs myself. Buyer will probably have better qua...
by cheesepep
Mon Oct 23, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Dividing monies from Trust per the will
Replies: 13
Views: 414

Re: Dividing monies from Trust per the will

As far as I know, there is no such form. All principle from the trust is not taxable and is dispersable to the trustees simply by writing a check. All income earned by the trust is taxable and the trustees need to receive a k9 form or something like that. Of course, I’m not a tax accountably or tax ...
by cheesepep
Wed Oct 18, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth applying for Credit Limit Increase?
Replies: 21
Views: 1247

Re: Is it worth applying for Credit Limit Increase?

Whenever I used to login to pay my credit card bill, my cc company has a silly banner on top that cannot be closed asking me to update my income for 2017, so that they can consider me for a higher credit limit. I do not care for a higher credit limit as I am content as is, and I don't want to provid...
by cheesepep
Sun Oct 15, 2017 5:00 am
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5480

Re: What do you buy in Asian food stores?

Me? I practically buy 100% of my groceries from such places. From meat to veggies to seasonings, I buy them all.
by cheesepep
Fri Oct 06, 2017 5:54 am
Forum: Personal Consumer Issues
Topic: Too much house? (nervous 1st time buyer)
Replies: 57
Views: 4035

Re: Too much house? (nervous 1st time buyer)

Quite simple. If the comps there are around that price, go for it. $330K for your income and savings is "chump change."
by cheesepep
Thu Aug 24, 2017 12:23 am
Forum: Investing - Help with Personal Investments
Topic: Stocks On Sale - What do you buy?
Replies: 64
Views: 6081

Re: Stocks On Sale - What do you buy?

Recently bought ROST and COST.
by cheesepep
Tue Aug 08, 2017 4:59 am
Forum: Personal Finance (Not Investing)
Topic: Selling a house (FHA buyer)
Replies: 4
Views: 602

Selling a house (FHA buyer)

I got a house for sale and it has an offer now. First, the house is in a low income area. The offer is a FHA mortgage with 20% down. I know next to nothing about selling houses (I do have a realtor who I am asking questions, but want to get other advice here), but what should I be aware of FHA loans...
by cheesepep
Sun Jul 16, 2017 10:04 pm
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 7333

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

Not really. I have a B&S engine lawnmower which I use maybe once a year (I hire someone else to do the work) and it starts up first time, every time. I don't do any oil changing or cleaning whatsoever.
by cheesepep
Sun Jul 09, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5602

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

Anytime that I eat out, I NEVER finish the food. If I order a burger, I rip off half of the bread (with the mayo part as that has more calories) and a bit of the meat and cheese and put it to the side. I don't doggybag it either. Yes it is a waste of food, but helps me maintain my weight. If I didn'...
by cheesepep
Mon Jun 26, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 80
Views: 9512

Re: Costco vs. Amazon - Thoughts of Prime Members?

Sam's member here. To me, Sam's and Costco are the same in just about everything I use. Amazon is nice, but I'll never shop there (or anywhere online) for groceries. That is what my ethnic grocer is for.
by cheesepep
Tue Jun 20, 2017 12:42 am
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 6110

Re: Alternatives to Amazon

Costco, Sam's Club, Walmart, local grocery store. Many of what I just listed, you can order online and ship, or pick up locally.
by cheesepep
Thu Jun 15, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 61
Views: 4312

Re: Password Managers

I use Apple's Keychain.
by cheesepep
Wed Jun 14, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Cooktop died, not repairable, need recommendations
Replies: 36
Views: 2322

Re: Cooktop died, not repairable, need recommendations

I cannot live with an electric range. I have a single burner outside the house connected to a propane tank and a stove capable of 40,000 BTUs or something. When on full blast, it sounds like a dragon breathing fire. Quickly boils water or cooks veggies.
by cheesepep
Sat Jun 10, 2017 11:19 pm
Forum: Personal Consumer Issues
Topic: Fence Dilemma
Replies: 31
Views: 3077

Re: Fence Dilemma

Nothing to add, but had a similar situation before. Both sides of the fence had about the same income, but neighbor on other side had installed a metal fence on her side that was parallel to the falling apart wooden fence on my side. They called code enforcement on us asking us to fix the fence. We ...
by cheesepep
Tue May 02, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: Great knife for slicing limes and raw potatoes
Replies: 56
Views: 3814

Re: Great knife for slicing limes and raw potatoes

I use one knife for everything -- a Chinese cleaver. When properly sharpened, it can cut through anything from bone to limes, and can fillet a fish with ease.
by cheesepep
Mon Apr 10, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Selling rental property with tenants inside
Replies: 5
Views: 814

Selling rental property with tenants inside

Friend has a duplex in California with tenants inside who have been living there for over ten years. They are good tenants who always pay in time and probably will never move. He wants to sell this property. What resources or information can he find regarding the sale? He will of course ask a realto...
by cheesepep
Tue Apr 04, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: Apple breaks its silence
Replies: 24
Views: 4648

Re: Apple breaks its silence

Apple has acknowledged thermal issues in the MP. Very simple solution is to make it bigger. The current trash can model is very small. By making it three inches wider and 6 inches taller, very different and more powerful GPUs can be used, all while keeping thermal issues at bay. It is a desktop comp...
by cheesepep
Sun Mar 26, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Amazon Fresh experience and question
Replies: 2
Views: 462

Re: Amazon Fresh experience and question

Never used but I prefer to buy my own meat and veggies. I want to see my chicken my chicken have a certain color skin, my pork to have a certain amount of fat (and to be cut a certain way when it comes to spareribs), and my veggies to look a certain way. Can't get that through Amazon Fresh or any ot...
by cheesepep
Fri Mar 17, 2017 12:37 am
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 7086

Re: Suspicious organic products

OK, I am more of a rice expert than your average boglehead perhaps. There are not just two types of rice -- white and brown -- as many people are family with. There are different varieties of white rice and brown rice. Take white rice for example as I'm not too familiar with brown rice. It is not &q...
by cheesepep
Sun Mar 12, 2017 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Forced role change, what would you do?
Replies: 38
Views: 3146

Re: Forced role change, what would you do?

Wow. Someone is being really self-centered. It is ok to praise yourself and all, but you seem to be calling yourself a demigod and everyone else peasants in the manufacturing field. Take a deep breath and relax.
by cheesepep
Wed Mar 08, 2017 12:17 am
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 116
Views: 11205

Re: Did you buy SNAP?

I'm waiting until it hits $15 or not. So at this rate, I can probably place a limit order this Friday. Haha. (no plans on buying)
by cheesepep
Mon Mar 06, 2017 6:58 pm
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 116
Views: 11205

Re: Did you buy SNAP?

I didn't buy, but I did buy Line, which is a somewhat similar company during their IPO. I sold it soon afterward for a small profit. Right now, it is also below its IPO price.
by cheesepep
Sun Feb 19, 2017 3:55 am
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 8732

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: 88
Views: 8095

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: 88
Views: 8095

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: 88
Views: 8095

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: 88
Views: 8095

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: 926

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: 19290

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: 2037

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: 51
Views: 6301

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: 9003

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: 3966

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: 3060

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: 1959

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: 1836

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: 2894

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: 1722

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: 4256

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: 7529

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: 2569

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: 3638

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: 31
Views: 3536

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: 1233

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: 28164

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: 4581

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: 18820

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: 2332

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.