Search found 436 matches

by Cruise
Fri May 25, 2018 4:10 am
Forum: Personal Finance (Not Investing)
Topic: govt vs. private job offers: please help me decide!
Replies: 33
Views: 2282

Re: govt vs. private job offers: please help me decide!

OP: Congrats on your doctorate. It is an exciting time for you. I’m a PhD/MBA in my field, and have worked at various times for others (including the govt.) and built my own consulting business, which I have sold. In the course of my work, I’ve met a number of psychologists. There are a variety of t...
by Cruise
Wed May 23, 2018 3:50 am
Forum: Personal Finance (Not Investing)
Topic: Jobs after college and before graduate/medical school -- Are employers okay with you trying different jobs?
Replies: 9
Views: 896

Re: Jobs after college and before graduate/medical school -- Are employers okay with you trying different jobs?

I say this as someone who has interviewed thousands of job-seekers: So long as you are able to articulate your ((logical and insightful) rationale for assuming and leaving jobs, no one will hold your job selection/quitting against you. Just make sure you give two weeks notice. God luck.
by Cruise
Sat May 19, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Mitsubishi wall air conditioner
Replies: 34
Views: 2062

Re: Mitsubishi wall air conditioner

We have had two Mitsubishi split air systems for many years. One smaller unit is in our bed room, and is sufficient to cool that very nicely. If we open up our bedroom door and blast the fan, this unit is sufficient to cool the rest of our rooms on that floor (which is relatively small). A larger un...
by Cruise
Fri May 18, 2018 11:27 pm
Forum: Personal Consumer Issues
Topic: Cinque Terre, Italy private boat tour
Replies: 7
Views: 848

Re: Cinque Terre, Italy private boat tour

It’s been awhile, so the details escape me, but when we visited, we had a nice journey on a coastal ferry. Not private, but wonderful. Thanks very much. This might work well, especially if we have difficulty with something private. I'll look into it. How long ago were you there? RM Maybe 15 years a...
by Cruise
Fri May 18, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Cinque Terre, Italy private boat tour
Replies: 7
Views: 848

Re: Cinque Terre, Italy private boat tour

It’s been awhile, so the details escape me, but when we visited, we had a nice journey on a coastal ferry. Not private, but wonderful.
by Cruise
Thu May 17, 2018 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Would you send your children to private school in my situation?
Replies: 93
Views: 5983

Re: Would you send your children to private school in my situation?

OP: If all else is even (and it usually isn't in a private-to-public school comparison), go with the private school. The answer lies in the difficulty that public schools have in terminating poor performing teachers and expelling disruptive students. If I was in your situation, for that reason alone...
by Cruise
Sat May 12, 2018 2:47 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 318
Views: 22482

Re: Lucrative careers?

Maybe you should take a variety of of undergrad classes and see if you feel passionate about a subject matter. A career starts from there. Good luck.
by Cruise
Thu May 10, 2018 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 6949

Re: [Golf ball] cracked my house window. Do I have any recourse?

surfer949 wrote:
Wed May 09, 2018 11:56 am
I live on a golf course and one of my window is cracked from a golf ball (yes I know the risk of living on a golf course) I was just wondering if I have any recourse from HOA or the owners of the golf course.
Ever wonder why your house was put on the market? Just thinking...
by Cruise
Thu May 10, 2018 2:13 am
Forum: Personal Consumer Issues
Topic: Which cordless weed whacker to buy?
Replies: 49
Views: 3196

Re: Which cordless weed whacker to buy?

I thank all who have addressed my questions about the string trimmer and voltage issues! Very helpful!
by Cruise
Wed May 09, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Which cordless weed whacker to buy?
Replies: 49
Views: 3196

Re: Which cordless weed whacker to buy?

I've been following this threat with interest and have a couple of questions for those with more knowledge and experienced than me. I haven't done my yard in years as I have outsourced maintenance to a variety of less-than-satisfactory people. Now that I am mostly retired, I'm now thinking of gettin...
by Cruise
Mon May 07, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 7900

Re: What career for smartest kid in the class?

Still, IQ is one of the best predictors of professional success there is (but the correlation values are pretty low). Question from the back of the room here. What does that mean? Best predictor vs correlation? An attribute can be the "best predictor," yet the correlation values still can be low. T...
by Cruise
Mon May 07, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 7900

Re: What career for smartest kid in the class?

Good grades (smartest kid in class), IQ (straight up smart/intelligent) and success don't correlate. Do they? Yes they do. IQ is a great predictor of grades, but a relatively poorer predictor of professional success. Still, IQ is one of the best predictors of professional success there is (but the ...
by Cruise
Mon May 07, 2018 5:40 am
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 7900

Re: What career for smartest kid in the class?

My wife was the second-smartest in her high schoool graduating class and got her Ph.D. In grad school, she was known as a highly conscientious and bright student. After years climbing the professorial ranks, she is a top administrator at a university. She misses her research, and the autonomy a prof...
by Cruise
Fri May 04, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 97
Views: 10476

Re: Wanting to leave Fidelity

I had been very satisfied with Fido for 15 years and was a Private Client Group customer. Then a serious service issue occurred. Several frontline reps, including the “relationship advisor”, were clueless as to why this occurred and were unable/uninterested/ unempowered to escalate to someone who c...
by Cruise
Fri May 04, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor selling a practice
Replies: 23
Views: 2756

Re: Doctor selling a practice

There is no norm regarding retaining employees. However, a wise purchaser wants to keep the status quo until they assess the landscape. It really depends on what position your wife has--is she in billing and the purchaser wants his/her spouse to perform those functions? If so, your wife is toast aft...
by Cruise
Wed May 02, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Testimonials on moving with a family
Replies: 29
Views: 2642

Re: Testimonials on moving with a family

After college (relatively close to my hometown), I moved thousands of miles away for grad school. Living in the new community and new culture was life-changing. Some people don’t have that experience and hate a new place because it it is not like what they are accustomed.
by Cruise
Wed May 02, 2018 2:28 am
Forum: Personal Finance (Not Investing)
Topic: Asked to be Executor - What questions to ask
Replies: 39
Views: 3394

Re: Asked to be Executor - What questions to ask

OP: Under the best of circumstances, this is a thankless and stressful job. I did it for my parents' estate and had wonderful siblings to deal with and a very well-planned set of documents with which to work. It was still a major undertaking. I hope you really love your friend and the disabled spous...
by Cruise
Wed May 02, 2018 1:48 am
Forum: Personal Consumer Issues
Topic: Nontraditional Cruising
Replies: 21
Views: 2308

Re: Nontraditional Cruising

OP; others have mentioned some expedition-type ships, such as Quark and NG. Another option is the smaller luxury cruiselines, such as Seabourn and Silversea. It really depends on your interest level. For example, I couldn't get my wife to consider Antarctica on an expedition ship, as she wanted a ba...
by Cruise
Fri Apr 20, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Recommendation of Security Cameras for Exterior of House
Replies: 47
Views: 8414

Re: Recommendation of Security Cameras for Exterior of House

After doing a bunch of research, I'm likely getting the Nest Outdoor cam. I originally was going to do the Arlo Pro 2, but I like that you have access to 24/7 video on the Nest. Also, reviews seem to say the new Nest doorbell is slightly better than the Ring, so it would be convenient to be in the ...
by Cruise
Fri Apr 13, 2018 3:58 am
Forum: Personal Finance (Not Investing)
Topic: Help me choose a top law school!
Replies: 65
Views: 5918

Re: Help me choose a top law school!

Congratulations on your success in the application phase. Now comes the decision phase. Hopefully you find law school and law practice to be stimulating and a good fit. Are you aware that there is a significant percentage of law students who hate school, and that lawyers are a professional group wit...
by Cruise
Fri Apr 13, 2018 2:13 am
Forum: Personal Consumer Issues
Topic: How can I get the best price for a new Porsche Cayenne?
Replies: 14
Views: 1813

Re: How can I get the best price for a new Porsche Cayenne?

How can I get the best price for a new Porsche Cayenne? Check out Consumer Reports's auto buying service, where for a price they will tell you the dealer cost for the exact model/options you desire. Armed with that information, find out what your local dealers have in stock and let them know that y...
by Cruise
Fri Apr 13, 2018 2:04 am
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 97
Views: 10476

Re: Wanting to leave Fidelity

i have my accounts with Fido. Excellent customer service, whether I call my relationship manager, or call the standard Premium number and talk to a random CS agent. I've never gotten off a phone call with a Fido employee wondering how did this person get hired and why hasn't he/she been fired. Come ...
by Cruise
Wed Apr 11, 2018 4:54 am
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13288

Re: Ivy school education. Is it worth it?

The schools one list on CVs or LinkedIn profiles certainly help get a first job and market oneself throughout a career. Which lawyer or surgeon should I choose? For many, the school attended is a proxy for unknown competencies. Like SATs and GREs, school prestige may predict short-term success. Soci...
by Cruise
Mon Apr 02, 2018 3:19 am
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 4294

Re: Tired of gas grills rusting out...

nerdymarketer wrote:
Mon Apr 02, 2018 1:52 am
What specifically is rusting out?

The outside panels.
by Cruise
Mon Apr 02, 2018 1:22 am
Forum: Personal Finance (Not Investing)
Topic: What age is the best to give a child control of an inheritance?
Replies: 192
Views: 11317

Re: What age is the best to give a child control of an inheritance?

OP: 35. By that time, your daughter has learned the value of money, and that is all you can hope for. Is she going to be a savvy investor? Not likely if she has been focusing on her medical or graduate education. That is, unless investing is a real hobby for her. If she knows the value of money, the...
by Cruise
Sun Apr 01, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: HOA vs No-HOA
Replies: 94
Views: 11257

Re: HOA vs No-HOA

When I bought my house 26 years ago, my neighbor's homes and yards were as nice as mine--in excellent condition. Now, the closest house is like a slum tenement. The other neighbor's lot is overgrown with weeds, shrubs, and trees that encroach onto our property and are very difficult to cut back. Tha...
by Cruise
Sun Apr 01, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 4294

Re: Tired of gas grills rusting out...

I was upset that my Kenmore grill rusted so quickly, so when it was time to replace it, I bought a Weber Genesis. Both grills were under a patio roof, and usually covered as well. Both the Kenmore and Weber rusted quickly, within six months. I'm impressed with those (including my sister) whose Weber...
by Cruise
Sun Apr 01, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: $20,000 book - what to do with it
Replies: 34
Views: 5688

Re: $20,000 book - what to do with it

+1 on securing the services of an auction house. Since there are newer editions already being housed in libraries, it is not like you are depriving the world of the book's content. The $20k estimate may be low or high, but the auction house experts will have a much better idea. What good could you d...
by Cruise
Tue Mar 27, 2018 9:51 pm
Forum: Investing - Theory, News & General
Topic: What would you do if you were in charge of a State Pension Fund?
Replies: 36
Views: 2144

What would you do if you were in charge of a State Pension Fund?

Would you believe that I just got selected to head the CalSTRS, with $225 billion in assets? Well, not really, but if you were in charge, would you fire all the investment advisors and just use a three-fund portfolio? Does is make a difference if other people's financial well-being is on the line? T...
by Cruise
Mon Mar 05, 2018 4:22 am
Forum: Personal Consumer Issues
Topic: New Zealand - Bucket list trip
Replies: 22
Views: 2007

Re: New Zealand - Bucket list trip

+1000 re overnight on Dougtful Sound. Expensive but do it!

Hard to give you good advice as you have not shared your interests. Wine? Museums?

I’ve been there three times, and fly back this week on an 11-day trip. Each trip has been special. You can’t go wrong.
by Cruise
Mon Mar 05, 2018 4:11 am
Forum: Personal Consumer Issues
Topic: Emergency Medevac - costs and options
Replies: 35
Views: 3382

Re: Emergency Medevac - costs and options

I recently had a discussion with a colleague, who was traveling in a far off country. His wife had a major medical issue. He was fleeced for 20k USD in the hospital, and then called a medevac for 30k to come back to the USA. I am less concerned about the hospital fleecing (i have seen the opposite ...
by Cruise
Mon Feb 19, 2018 4:10 am
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 11633

Re: What has been your most important skill in achieving financial independence?

Most important skills: Patience/Delay of Gratification. This enabled me to stay in school for a very long time and get three graduate degrees, including one when I was working full time. (These degrees enormously increase my earning potential.) These skills also enabled me to not have lots of materi...
by Cruise
Fri Feb 09, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 249
Views: 34472

Re: Does anyone here with net worths north of $1 mil use financial advisors?

My FA is Bogleheads.org, the books, the wiki ... Their charge for AUM seems reasonable. Many thanks to all. +1 :) They never asked how we invest, but did express some envy of our vacation travel. Had they asked, I would have told them we travel on the money we avoid paying on AUM fees. I have been ...
by Cruise
Fri Feb 09, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 133
Views: 13690

Re: Embarrassment Preventing Retirement Work: A factor for you?

VegasBH wrote:
Thu Jan 04, 2018 7:45 am
.. if you wanted some cover you could tell your friends that you were doing research about what it’s like to start again at the bottom.
LOL. I like this. Thanks!
by Cruise
Fri Feb 09, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 133
Views: 13690

Re: Embarrassment Preventing Retirement Work: A factor for you?

I really enjoy reading everyone's responses and suggestions. I'm pleased that the question that I posed has struck a cord for some. Thank you for your input, and keep the comments about retirement options and barriers coming! ... I'm drawn to the activity for social contact and curiosity. Whatever ...
by Cruise
Tue Jan 02, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 133
Views: 13690

Re: Embarrassment Preventing Retirement Work: A factor for you?

I really enjoy reading everyone's responses and suggestions. I'm pleased that the question that I posed has struck a cord for some. Thank you for your input, and keep the comments about retirement options and barriers coming! @ChowYunPhat asked a few questions, to which I will respond below: * If yo...
by Cruise
Tue Jan 02, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 133
Views: 13690

Re: Embarrassment Preventing Retirement Work: A factor for you?

OP here. Many thanks for all your insights. Please keep them coming! For those suggesting volunteer work, I do some of that already, but that is mostly related to being on agency boards. I have thought about various other types of volunteer work that would not involve leadership roles, and that seem...
by Cruise
Tue Jan 02, 2018 4:13 am
Forum: Personal Finance (Not Investing)
Topic: 24, Short and long term goals, advice appreciated
Replies: 14
Views: 1251

Re: 24, Short and long term goals, advice appreciated

OP: First, thank you for your service to our country. Second, congratulations on your impending marriage. I’ve been happily married for 35 years, and we were somehow able to accomplish this without a diamond ring. Or, a huge wedding. Think of that 40k as investment funds that could be appreciating. ...
by Cruise
Tue Jan 02, 2018 1:39 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 133
Views: 13690

Embarrassment Preventing Retirement Work: A factor for you?

I don't need the income, but wonder what it would be like to work various part-time jobs. I've thought about being a checkout clerk at Whole Foods or something similar. One thing that holds me back is that I've been quite successful in my community and I am certainly not anonymous. When I think abou...
by Cruise
Mon Jan 01, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Your travel tips for Vienna and Budapest?
Replies: 23
Views: 1379

Re: Your travel tips for Vienna and Budapest?

GerryL wrote:
Mon Jan 01, 2018 2:44 am
I especially like learning about the history of the place but also how it fits into the history of the larger country/empire.
With that in mind, you might consider the Jewish museums in both cities. Also, the Freud museum in Vienna.

Got to have some Hungarian cusone paied with their wine.
by Cruise
Fri Dec 29, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund if your tax circumstances will change in the future
Replies: 75
Views: 5524

Re: Donor Advised Fund if your tax circumstances will change in the future

My contribution to my new Fidelity DAF got activated today. Not a bad way to deal with funds bought in 2008 that have risen $499%!
by Cruise
Mon Dec 25, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: Favorite Camera - Recommendations, Photos, and Pictures of Your Gear?
Replies: 65
Views: 4775

Re: Favorite Camera - Recommendations, Photos, and Pictures of Your Gear?

tibbittsand Sandtrap: Thanks again for your time and effort in responding to my request! Happy Holidays!
by Cruise
Mon Dec 25, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Favorite Camera - Recommendations, Photos, and Pictures of Your Gear?
Replies: 65
Views: 4775

Re: Favorite Camera - Recommendations, Photos, and Pictures of Your Gear?

Quick question to the experts here, as it deals with maintaining the wonderful bucket-list equipment: What is the best way to clean the lens and rest of the camera. I bought a Carl Zeiss cleaning kit, which included a brush, blower, alcohol-based wipes, spray and cloth. Are the wipes OK to use on th...
by Cruise
Sun Dec 24, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Favorite Camera - Recommendations, Photos, and Pictures of Your Gear?
Replies: 65
Views: 4775

Re: Photography gear and what you use it for?

Many thanks, rob, climber2020 Sandtrap, tibbetts. Very kind of you to respond to my questions!
by Cruise
Sat Dec 23, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Favorite Camera - Recommendations, Photos, and Pictures of Your Gear?
Replies: 65
Views: 4775

Re: Photography gear and what you use it for?

I've just bought my first "distinctive" camera, a Sony RX1-M3. A high-end "point and shoot." Can you check the model of your camera again? That might help with recommendations. What you listed does not exist. The Sony RX1 is a $3000 full frame camera with a fixed lens that does not zoom. It doesn't...
by Cruise
Sat Dec 23, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Favorite Camera - Recommendations, Photos, and Pictures of Your Gear?
Replies: 65
Views: 4775

Re: Photography gear and what you use it for?

I've just bought my first "distinctive" camera, a Sony RX10-M3. A high-end "point and shoot." This has been a major investment in money, as well as time (learning about using its features.) The reason for purchasing it is for travel photography, most immediately, my upcoming trip to Antarctica. I ha...
by Cruise
Sat Dec 23, 2017 2:27 am
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund if your tax circumstances will change in the future
Replies: 75
Views: 5524

Re: Donor Advised Fund if your tax circumstances will change in the future

Just want to thank everyone who has contributed to this and other fora on DAF. Your contributions the the fora have help convince me to establish a DAF. This will help my tax situation this year, and charities in future years.

May you and yours have good health and prosperity.
by Cruise
Tue Dec 19, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund if your tax circumstances will change in the future
Replies: 75
Views: 5524

Re: Donor Advised Fund if your tax circumstances will change in the future

FIREchief wrote:
Tue Dec 19, 2017 7:37 pm
I don't understand the 12/26, unless you're talking strictly about a brand new DAF.
Exactly the situation.
by Cruise
Tue Dec 19, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund if your tax circumstances will change in the future
Replies: 75
Views: 5524

Re: Donor Advised Fund if your tax circumstances will change in the future

kmurp wrote:
Tue Dec 19, 2017 1:22 pm
So is it too late in the year to open one of these and fund it?
Not too late according to my conversation with Fidelity. To use funds in investment accounts, need to fund the Charitable account by 12/26. At least that was what he told me.