Search found 239 matches

by Cruise
Tue May 23, 2017 1:50 am
Forum: Personal Consumer Issues
Topic: Need advice from FF miles experts
Replies: 18
Views: 1016

Re: Need advice from FF miles experts

Is there a general ticket price (say, a floor price) where paying for a ticket with miles makes sense? Put another way, does it make sense to use miles for a relatively cheap ticket? ... That said, I'm weighing whether it makes sense to use 70k miles per ticket for 3 $620 tickets. We have the miles...
by Cruise
Mon May 22, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: What happens to a 1 person business if the owner dies?
Replies: 12
Views: 1368

Re: What happens to a 1 person business if the owner dies?

State Bars have rules regarding terminating representation. The Model Rules are: "(d) Upon termination of representation, a lawyer shall take steps to the extent reasonably practicable to protect a client's interests, such as giving reasonable notice to the client, allowing time for employment ...
by Cruise
Sun May 21, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 83
Views: 9261

Re: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)

I turned 62,,,,show me the money. ... No regrets. Enjoyed both spending and investing the money. :happy +1. I just turned 64... I'm fortunate to not have a need for the SS money now (or presumably in the future). My calculus was that "On average," it does not make any difference, so I was...
by Cruise
Sun May 21, 2017 3:31 am
Forum: Personal Finance (Not Investing)
Topic: Should I sell my business?
Replies: 41
Views: 3212

Re: Should I sell my business?

OP: Best advice I got when selling my business and having to finance part of the sale: Make sure your financing rate is several points higher than a bank's rate. This decision really motivated my purchaser to get eventually obtain loans from banks and pay me off over a year before schedule. :)
by Cruise
Sun May 21, 2017 1:19 am
Forum: Personal Consumer Issues
Topic: What goes in your smoothie?
Replies: 45
Views: 2321

Re: What goes in your smoothie?

High Income Parent wrote:Chocolate syrup
Peanut butter
Banana
Milk


+Strawberries...
by Cruise
Sat May 20, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my business?
Replies: 41
Views: 3212

Re: Should I sell my business?

OP: Feel free to sell your practice at the going rate. Ignore those who suggest that there is a magic "multiple" number for valuation purposes. While that may be true for certain businesses, it does not hold true for others, especially professional practices in which goodwill is the primar...
by Cruise
Thu May 18, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Question for you high net worth individuals...
Replies: 78
Views: 8754

Re: Question for you high net worth individuals...

Not counting my residence in NW.

ZERO. Never thought I had skill set to try RE investing.
by Cruise
Mon May 15, 2017 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 82
Views: 11862

Re: Regret early retirement/downsizing

logarithmic is inverse of exponential. https://en.wikipedia.org/wiki/Logarithmic_growth Well, you might want to read the Wikipedia post you cited: "In microbiology, the rapidly growing exponential growth phase of a cell culture is sometimes called logarithmic growth" Now I am getting amus...
by Cruise
Mon May 15, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 82
Views: 11862

Re: Regret early retirement/downsizing

vacation expenses are escalating logarithmically I don't believe that word means what you you think it does :-) It means exactly the opposite of what I believe you wanted to convey. I know you meant to say "exponentially". Being a geek, it came across very funny to me. Glad to provide amu...
by Cruise
Sun May 14, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 82
Views: 11862

Re: Regret early retirement/downsizing

Sold my business at 61, and have worked a bit for the past few years to help my purchaser be successful (and honor the terms of the sales agreement). For the past year or so, my responsibilities to the purchaser take about 10 minutes on average per week. So, I consider myself retired. No regrets, bu...
by Cruise
Tue May 09, 2017 2:35 am
Forum: Personal Consumer Issues
Topic: Fitbit Blaze vs Apple Watch
Replies: 24
Views: 1814

Re: Fitbit Blaze vs Apple Watch

I bought an Apple Watch 2 about a month ago, and really like it.

The reason I bought it is that my Pebble Time Steel was not functioning since Fitbit bought out Pebble and failed to keep my Pebble functioning. Based on how they treated this Pebble owner, I would never purchase any fitbit product.
by Cruise
Wed May 03, 2017 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Adjustable Target Life Ins
Replies: 16
Views: 1756

Re: Adjustable Target Life Ins

Funny that I just saw this post 3 years later, I have the same policy that I bought in 1985 for $1000 per year for $100,000 adjustable target life policy. I would keep it for sure, as it pays 4 % deferred interest that you can't get elsewhere. I paid for 28 years-$28,000 and it now has cash value o...
by Cruise
Wed May 03, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Adjustable Target Life Ins
Replies: 16
Views: 1756

Re: Adjustable Target Life Ins

Hello all, I am hoping to receive some feedback regarding my current situation. In 1985 my father purchased an adjustable target life insurance policy for me at a cost of $40/mo for $100k policy which is what I also currently pay. I called NYL life today and was informed they no longer offer Adjust...
by Cruise
Wed May 03, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Adjustable Target Life Ins
Replies: 16
Views: 1756

Re: Adjustable Target Life Ins

Delete
by Cruise
Sun Apr 30, 2017 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity retirement planning
Replies: 22
Views: 2442

Re: Fidelity retirement planning

I have done both online and personal planning. Both worth the time.
by Cruise
Sun Apr 30, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with regret
Replies: 102
Views: 8617

Re: Dealing with regret

We have all done regrettable things, financial and otherwise. We learn from our mistakes and move on to make new ones. Forgetabouit.
by Cruise
Sun Apr 23, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 30
Views: 1965

Re: Alaska cruise advice

tibbitts wrote:You should take an HAL 14-day HAL roundtrip. Now you just have to choose the date.


Yes. But make it one of the dedicated 14-day itineraries, not b2b 7-day ones.
by Cruise
Sun Apr 23, 2017 1:32 am
Forum: Personal Consumer Issues
Topic: Booking united award tickets with 2 accounts
Replies: 13
Views: 1413

Re: Booking united award tickets with 2 accounts

OP: Ever hear of Flyertalk.com? It is the BH of travel, with a very active UA thread.
by Cruise
Sun Apr 23, 2017 1:23 am
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 30
Views: 1965

Re: Alaska cruise advice

OP: We have been to Alaska on both HA and Celebrity. Each line has its pluses and minuses. Celebrity tends to have a younger crowd compared to HA Sitka over Skagway, but only because we had a fantastic semi-private whale=watching excursion and have seen better railway vistas in Norway compared to th...
by Cruise
Sat Apr 22, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 216
Views: 29796

Re: Chase Sapphire Reserve

Back in January I posted about the card asking questions. My wife got the card, and has been using it for work where she travels and does an overnight once every week or two for work. We have been racking up the points using this card, and really love the card! We have found great deals on car rent...
by Cruise
Fri Apr 21, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 12672

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

Which brings me to the question: why is it bad to say something negative about a boss? Your question really falls under the more global heading "Why is it bad to say negative things?" And the answer is that a person's likability is directly related to how upbeat and positive are their com...
by Cruise
Thu Apr 20, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 1818

Re: Should I purchase Apple Care for my new Apple Watch?

[ I ended up with a free Apple Watch Series 1 after a series of shipping delays this Christmas. Target just said "keep it free" once it finally arrived. I was on the fence and planned to try, explore, and maybe return it. Since I paid $0 for the watch, it seemed like a bargain to get Appl...
by Cruise
Wed Apr 19, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Bill received after Estate is closed
Replies: 55
Views: 5174

Re: Bill received after Estate is closed

OP: This is all about whether you want to keep your relationship with your attorney. Attorney's have a professional responsibility (ethics requirement that is delineated by the bar) to have a written contract. Failure to have that contract in place exposes them to disciplinary sanctions if you care ...
by Cruise
Wed Apr 19, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: How to make best use of lunch with the company president/CEO?
Replies: 55
Views: 5380

Re: How to make best use of lunch with the company president/CEO?

Some thoughts on meeting the Big Boss: This is your opportunity to have an impression formed. Positive impressions are likely to be formed if you: 1. Dress neatly and within the normative range for the organization. 2. Make sure you are well-groomed. 3. Display critical thinking skills (not criticis...
by Cruise
Wed Apr 19, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 1818

Re: Should I purchase Apple Care for my new Apple Watch?

Thanks all for your thoughts. I checked with my CSR card plan and found that accidental damage would be covered for 120 days. The regular Apple warranty just covers manufacturer's defects over a one-year period, and the CSR doubles that. So basically, the Apple Care will give me 20 months of added a...
by Cruise
Wed Apr 19, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 1818

Re: Should I purchase Apple Care for my new Apple Watch?

jdb wrote:My advice is skip the warranty but be careful of your subconscious impulses when series 3 arrives. Good luck.


LOL!
by Cruise
Wed Apr 19, 2017 2:43 am
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 1818

Should I purchase Apple Care for my new Apple Watch?

I just purchased a Series 2 watch, and while at the store, I decided against purchasing the Apple Care protection. I am now rethinking this.

Does anyone have real world experience with the Apple Watch, and whether the Apple Care is a good expenditure?

Many thanks!
by Cruise
Mon Apr 17, 2017 2:42 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide pension benefits, single life, 50%, 75% and/or 100% survival benefits
Replies: 41
Views: 2775

Re: Help me decide pension benefits, single life, 50%, 75% and/or 100% survival benefits

For us it was a no-brainer. 100% option. We didn't even consider the other options. For us it had nothing to do with the math. We did a risk assessment. You can calculate all the longevity estimates you can imagine, but one outlier event, one accident, one illness, one unexpected anything, and all ...
by Cruise
Fri Apr 14, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: Anyone else decided not to finish med school?
Replies: 55
Views: 6116

Re: Anyone else decided not to finish med school?

Both his parents and I have no doubts he'll be successful in some other endeavor (he has already found another job, so its not about paying the bills), but it might help to be able to relate other experiences. Unhappy medical and legal professionals contribute to high suicide rates. The son appears...
by Cruise
Wed Apr 12, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 11181

Re: Ordering a Weber grill this week

Corrosion from rust IS covered, but they aren't going to give you a new grill from some surface rust that you can wipe away. If your grill has corrosion, contact Weber. If it's surface rust, clean your grill every once and a while. Depending on where you live and how you keep it, nothing remains en...
by Cruise
Wed Apr 12, 2017 1:08 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 11181

Re: Ordering a Weber grill this week

If I could do it again, I'd absolutely buy the upgraded version with the side burner and sear station. I hadn't appreciated this when I had an older grill that I used less, but I almost always have a side going on a skillet on the stove while I'm grilling, and it's usually something like sauteed ve...
by Cruise
Wed Apr 12, 2017 1:06 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 11181

Re: Ordering a Weber grill this week

Corrosion from rust IS covered, but they aren't going to give you a new grill from some surface rust that you can wipe away. If your grill has corrosion, contact Weber. If it's surface rust, clean your grill every once and a while. Depending on where you live and how you keep it, nothing remains en...
by Cruise
Tue Apr 11, 2017 2:07 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 11181

Re: Ordering a Weber grill this week

Pretty set on a Weber Genesis, but not sure if I should go with the older model E-330 or the brand new Genesis II E-310. The 330 is $100 more at $799, but has a side burner (which will get light use) and a sear burner (which I've never had, but sounds awesome). It also has a closed cabinet design, ...
by Cruise
Mon Apr 10, 2017 1:11 am
Forum: Personal Consumer Issues
Topic: Planning Scandinavia trip
Replies: 18
Views: 1302

Re: Planning Scandinavia trip

Much better, but you sure you want to short Norway in order to spend so much time in Copenhagen and Stockholm? They are both fine cities, but they are not beautiful like Norway.
by Cruise
Sun Apr 09, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Planning Scandinavia trip
Replies: 18
Views: 1302

Re: Planning Scandinavia trip

I think you are trying to do too much on this very short trip. Since your flights are fixed and you want to maximize Stockholm time, I would cut out Copenhagen and split your time evenly between Stockholm and Olso. Random dates in June roundtrip Stockholm-Oslo were $111-$148 depending on carrier. Fo...
by Cruise
Sat Apr 08, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: National Gepgraphic DNA test - anything new?
Replies: 5
Views: 761

Re: National Gepgraphic DNA test - anything new?

OP: I've done Geno 2.0, and very happy with results. If one is a male (or a female who submits a brother's or father's DNA) one gets separate information about maternal and paternal "Deep Ancestry." In addition to that, you get your Regional Ancestry totals. For me, the entire package was ...
by Cruise
Fri Apr 07, 2017 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: How many financial secrets?
Replies: 58
Views: 5691

Re: How many financial secrets?

That sounds just like us. My wife want to know what's going on, but by the end of my 20-page powerpoint on the family finances her eyes have glazed over. I chucked at this one. I thought I was the only one to develop a Powerpoint for my wife, who happens to be a very sophisticated analyzer of data....
by Cruise
Fri Apr 07, 2017 3:04 am
Forum: Personal Finance (Not Investing)
Topic: Claiming Social Security
Replies: 7
Views: 900

Re: Claiming Social Security

The best strategy comes from understanding of your present circumstances and an articulation of your goals. For example, will your family need the income that your wife can realize from social security when she turns 62? What is the health history of your families, and the current health of you and ...
by Cruise
Thu Apr 06, 2017 1:58 am
Forum: Personal Consumer Issues
Topic: How best to handle disrespectful employee?
Replies: 40
Views: 3598

Re: How best to handle disrespectful employee?

OP: Do you not have an HR resource with whom you can consult? I would hope that he/she has better insights on what would work that random people on an internet blog, no matter how brilliant we are....:)
by Cruise
Wed Apr 05, 2017 2:26 am
Forum: Personal Consumer Issues
Topic: China Trip - Visa Expediter?
Replies: 26
Views: 1411

Re: China Trip - Visa Expediter?

Also used CIBT for China. No surprises...
by Cruise
Wed Apr 05, 2017 2:11 am
Forum: Personal Finance (Not Investing)
Topic: Conflict of Interest at work - could I get fired?
Replies: 21
Views: 3103

Re: Conflict of Interest at work - could I get fired?

OP: One more story here, married relatives who worked for Honda and Toyota. The kept their marriage, jobs, and early retirement.
by Cruise
Mon Apr 03, 2017 2:08 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 24354

Re: Low-earners- What is your profession?

Grad student research scientist -- $36,000. I do computational math. I probably make substantially less than i will in several years. I doubt I will ever be a truly high earner. Are you interested in being a high earner? If so, there is a pathway for you. Get your Ph.D. and find a business that nee...
by Cruise
Mon Apr 03, 2017 1:42 am
Forum: Personal Consumer Issues
Topic: Screwed over by the airlines...
Replies: 42
Views: 4899

Re: Screwed over by the airlines...

I think you will find that the CSR trip interruption insurance may pay in this instance.
by Cruise
Sat Apr 01, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 8993

Re: What career helped you become wealthy?

A professor in one of my first-year graduate school classes told us that in order to really have an impact, one has to have specialties in two disciplines. I ended up developing expertise spanning three disciplines, and leveraged that into a very nice and boutique consulting business. Our family's w...
by Cruise
Thu Mar 30, 2017 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Moving money between countries
Replies: 14
Views: 1129

Re: Moving money between countries

https://transferwise.com/us/

I just did a sample transfer of 100K USD to Indian Rupee:
715 USD TransferWise fee (included)
64.93750 Guaranteed exchange rate
6,447,319.69 Rupee
by Cruise
Wed Mar 29, 2017 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to effectively advertise a vacant physican (M.D.) position?
Replies: 12
Views: 1167

Re: How to effectively advertise a vacant physican (M.D.) position?

Have you reached out to the Hawaii Medical Association for their advice? Also there are physician recruiters specializing in the Hawaii marketplace.
by Cruise
Tue Mar 28, 2017 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have enough? How I realized yeah I do.
Replies: 75
Views: 12431

Re: Do you have enough? How I realized yeah I do.

It was planning more than epiphany. My parents (blue collar father/clerical mother) were able to retire at 62 and 60, owing to their frugality. Age 62 became stuck in the back of my mind, thinking that if my father could do it as a blue collar guy, I could do with with multiple graduate degrees. The...
by Cruise
Sat Mar 25, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: 100% stocks w/pension?
Replies: 40
Views: 4454

Re: 100% stocks w/pension?

OP: You are age 35. At what age are you planning on retiring? If your timeframe to start drawing down your investments is 20+ years (and you have a pension fallback for emergencies), it seems a like a no-brainer to me that now invest 100% in equities. Whether or not you want to change that allocatio...
by Cruise
Thu Mar 23, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: 100% stocks w/pension?
Replies: 40
Views: 4454

Re: 100% stocks w/pension?

OP:

While our life circumstances are different, I asked a similar question a few months ago, and here is the feedback I received:

viewtopic.php?f=1&t=203750&p=3123067#p3123067

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