Search found 712 matches

by cheesepep
Wed Jan 17, 2018 12:49 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 315
Views: 23182

Re: What frugal thing did you do today?

Didn't really do it for frugality measures, but my lunch today was instant oatmeal in a cup with a splash of almond milk, and some Roma tomatoes.I'm totally full.
by cheesepep
Sat Jan 13, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Sell or Keep a rental condo
Replies: 36
Views: 2406

Re: Sell or Keep a rental condo

Sell. I have been in the business and it is most certainly not worth the hassle even if your are profitable. Constant worrying about anything.
by cheesepep
Sat Jan 13, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Consulting side gig while at mega corp
Replies: 25
Views: 2160

Re: Consulting side gig while at mega corp

No need to tell them unless you work for a competitive doing the same thing you do now or your company does. At least that is what I would do.
by cheesepep
Tue Jan 09, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4535

Re: New Honda CRV - first oil change full synthetic?

Recently went to the dealers for an oil change for my 2015 CR-V. Bought my own Mobile 1 oil at Walmart and the dealers for the actual change. I bought 5 quarts in the big bottle, and they left about less than 1 full quart in the bottle. I guess I can top up the oil if needed using this.
by cheesepep
Tue Jan 09, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: Real estate going bonkers
Replies: 10
Views: 1817

Re: Real estate going bonkers

I'm in the market for a house in SD, and compared to Irvine, Alhambra area, SD is dirt cheap! Buy, buy, buy!
by cheesepep
Mon Jan 08, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 6897

Re: Lowball offer on a home

Having some homes before and having received low ball offers the day of or in the days after having posted the house for sale, I completely ignore them and don’t bother to counter. I tell my realtor to not even consider them.
by cheesepep
Sat Jan 06, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: How to browse specifically for homes with "mother-in-law suite"?
Replies: 29
Views: 1826

Re: How to browse specifically for homes with "mother-in-law suite"?

Very difficult. I can’t find a single website that allows me to search for single story homes only. I don’t want a two story house !
by cheesepep
Mon Jan 01, 2018 10:52 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1728
Views: 305211

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

100% individual stocks with about 20% cash. Absolutely no money was added to my account during 2017. Portfolio in six figure range. 17.1%

For my smaller 5 figure portfolio, around 30%, didn't really calculate.

edit: Would have been 1-2% higher, but my top 3 stocks last week started dropping.
by cheesepep
Sat Dec 30, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Case Against Individual Stock Picking
Replies: 22
Views: 1798

Re: Case Against Individual Stock Picking

Some people can. Some people can’t. Some people just get lucky. Some people just get a thrill.

I do well for myself in picking individual stocks so I keep at it.
by cheesepep
Mon Dec 25, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 85
Views: 4902

Re: How do Bogleheads save on eyeglasses?

I don’t. I buy them so rarely just I just pay normal price. Or buy them overseas.
by cheesepep
Mon Dec 25, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 108
Views: 7122

Re: Will you donate less to Charity?

I don’t believe in charities, so I will donate the same this year — a value of $0. I occasionally donate to cancer research but not this year. The Mayo Clinic constantly spans me with snail mail asking for even more donations and “progress updates.”
by cheesepep
Sat Dec 16, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 157
Views: 17985

Re: Chromebooks- What is the lure?

They are cheap for a reason — you are the product. Google mines your data in the form of ads and other stuff. That is 90% of their revenue.
by cheesepep
Mon Dec 11, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 72
Views: 8118

Re: Year end review with less nerdy spouse

PPT slides in a family? Uh, no!
by cheesepep
Mon Dec 04, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Why should I donate to my alma mater?
Replies: 133
Views: 9687

Re: Why should I donate to my alma mater?

Me? Absolutely not.
by cheesepep
Fri Dec 01, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10868

Re: Price of haircut?

$7.69 according to the last currency conversion rate where I go. No tipping. 4 mins later and I'm out the door (typical amount of time for a male haircut there).
by cheesepep
Sat Nov 25, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Washer/dryer suggestions?
Replies: 43
Views: 4065

Re: Washer/dryer suggestions?

My criteria is to buy name brand with absolutely no bells and whistles. All physical buttons. No screen nonsense.
by cheesepep
Tue Oct 24, 2017 11:52 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 10776

Re: Anyone planning on getting the new Pixel phone?

Aside from questionable quality issues, why would anyone buy a phone from what is essentially an advertisement company. You are the product.
by cheesepep
Mon Oct 23, 2017 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Dividing monies from Trust per the will
Replies: 21
Views: 1759

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: 9
Views: 810

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: 21
Views: 1759

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: 1455

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: 6212

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: 4711

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: 6668

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: 670

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: 7982

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: 6065

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: 10403

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: 6673

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: 4926

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: 2700

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: 3494

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: 4143

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: 868

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: 4780

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: 523

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: 7402

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 "u...
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: 3312

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: 11687

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: 11687

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: 9301

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: 8476

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: 8476

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: 8476

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: 8476

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: 994

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: 20139

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: 2477

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: 6644

Re: Rule of Thumb for Getting Rid of Car

For me, anything more than ten years old or if I'm tired with it.