Search found 191 matches

by Cruise
Sat Mar 25, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: 100% stocks w/pension?
Replies: 35
Views: 3401

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: 35
Views: 3401

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
by Cruise
Mon Mar 20, 2017 2:47 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 16576

Re: gratuitous homeownership items

alloykat wrote: Does anyone have a view (ocean, city lights, etc) that got old after awhile?


We bought our home for the view, and after 25 years, it never gets old.
by Cruise
Sun Mar 19, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Using the Fidelity Rewards Visa in Europe?
Replies: 20
Views: 1608

Re: Using the Fidelity Rewards Visa in Europe?

Recent trip to Italy last June/July. I did not use the Fidelity rewards card but I did use my Fidelity debit card linked to a separate cash management account and it worked perfectly and I did not get any foreign transaction fees. Only used that card for ATM cash withdrawals in banks with secure ac...
by Cruise
Sun Mar 19, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: moving from landscaper/snow plower to diy in retirement
Replies: 44
Views: 2859

Re: moving from landscaper/snow plower to diy in retirement

Please please do not try to shovel the snow yourself at your age. I know 60 isn't that old, but it's still an age when heart attack risk increases a lot, and falls can be devastating. I knew two people who died of heart attacks while shoveling. One was in his 60s and in seemingly good health. When ...
by Cruise
Fri Mar 17, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: FX Cash Aboard: What to do with extra?
Replies: 9
Views: 727

Re: FX Cash Aboard: What to do with extra?

I usually apply leftover cash toward settlement of my last nights hotel bill. +1, except that I leave enough in my pocket for the anticipated taxi ride to the airport and tips. Anything left over gets spent on bottles of water for the flight, a pack of gum, or something new to find/try. My first ex...
by Cruise
Fri Mar 17, 2017 3:05 am
Forum: Personal Consumer Issues
Topic: $464.12 dinner bill last night. No regrets.
Replies: 78
Views: 9536

Re: $464.12 dinner bill last night. No regrets.

OP: Nice story! We recently went BH at a local steakhouse by bringing our special wines and paying corkage. We probably saved $250 or more this way, as the restaurant prices were awful. While we still paid $500+, we got to celebrate a special occasion with unique wines unavailable at the restaurant,...
by Cruise
Thu Mar 16, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: Are Fund Managers Accurately Depicted? [in this movie]
Replies: 1
Views: 473

Are Fund Managers Accurately Depicted? [in this movie]

...that is, in the movie, "Train to Busan?" Must see subtitled Korean movie. Don't let the Zombie theme turn you off to this social commentary about Fund Managers, and much, much more... Available on Apple TV and Netflix, and perhaps other download outlets. 96% Rotten Tomatoes rating. A re...
by Cruise
Tue Mar 14, 2017 4:41 am
Forum: Personal Consumer Issues
Topic: Hong Kong hotel - which side of the harbor?
Replies: 8
Views: 820

Re: Hong Kong hotel - which side of the harbor?

We enjoyed the Conrad for our short visit to HK.
by Cruise
Sat Mar 11, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 39
Views: 5246

Re: WSJ Digital Subscription - a bargain!

brew wrote:I apologize if this is common knowledge here, but I just found out a few months ago that the Washington Post gives free access for anyone who verifies with .gov, .mil, or .edu email addresses. Hope that helps someone else.


Thanks for the tip! Very much appreciate you sharing...
by Cruise
Wed Mar 08, 2017 1:11 am
Forum: Personal Consumer Issues
Topic: Traveling to Japan
Replies: 29
Views: 2271

Re: Traveling to Japan

For transport from Narita to your hotel, Google "limousine bus" and "tokyo" and you will find the best way to get right to your hotel. We are not fans of public transportation or buses, but after researching the options, we used the limousine bus, and found it to be way more conv...
by Cruise
Wed Mar 08, 2017 1:06 am
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 4744

Re: Car engines. Turbo vs no turbo

Had a 1996 Volvo 850 with Turbo. Lasted 14 years with no turbo-related problems...
by Cruise
Tue Mar 07, 2017 2:24 am
Forum: Personal Consumer Issues
Topic: Dispute with neighborhood association
Replies: 37
Views: 4077

Re: Dispute with neighborhood association

Just pay the fee. Life and time is too valuable to dispute some $xx dollar amount. Pay it, get over with it and put it on your bill pay for the following year and forget about it. +1. But before you do, you might want to reassure yourself about the appropriateness of the late fee by reviewing your ...
by Cruise
Tue Mar 07, 2017 2:18 am
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - What are we not considering?
Replies: 14
Views: 3115

Re: Early Retirement - What are we not considering?

OP: Looking good, so congrats! Some thoughts: 1. You have a high percentage of your wealth in cash/bond equivalents. Given that your yearly expenses fall far below your retirement pension, you could be more aggressive by increasing your equity holdings. Even if all hell breaks loose in the markets, ...
by Cruise
Sun Mar 05, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall: should we pay cash for ~$1.3M home?
Replies: 96
Views: 5093

Re: Windfall: should we pay cash for ~$1.3M home?

But on the other hand, a $1.3M three bedroom is probably 0.2-0.3M of house on 1M of land. The next big earthquake isn't going to destroy the land . Of course afterwards, contractor labor will be in short supply and rebuild costs will be temporarily high. You might want to Google "Mass Wasting&...
by Cruise
Fri Mar 03, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: When & how much to donate?
Replies: 94
Views: 4908

Re: When & how much to donate?

OP, a few thoughts for your consideration: 1. Congratulations on having savings and wanting to distribute some to charity. Donations help the agencies, and make contributors feel good. 2. You are unmarried and without children. You really need to fund whatever health care and assisted living care ne...
by Cruise
Fri Mar 03, 2017 2:00 am
Forum: Personal Finance (Not Investing)
Topic: Question for Retired Members--life mistakes
Replies: 64
Views: 8423

Re: Question for Retired Members--life mistakes

1) What was the biggest mistake(s) you make with regard to your retirement when you were young, and when you were in your 50's. Young: Not knowing about fiduciaries, Expense Ratios, and a bunch of other things. However, youth is a time for learning, and I eventually learned a bunch.\ Young and 50s: ...
by Cruise
Thu Mar 02, 2017 12:44 am
Forum: Investing - Theory, News & General
Topic: "How Pensions and Social Security Affect Asset Allocation"
Replies: 19
Views: 3311

Re: "How Pensions and Social Security Affect Asset Allocation"

What would be the group's view of these AAs: 1. $1.4 M. (1M TSM, .4 M TBM), Pension of 1.0KK per year 2. $1.0 M. (1M TSM), Pension of 1.8KK per year (the extra pension was "purchased" and increases the pension amount by 0.8KK per year. The original purchase price was $.4M) What is 0.8KK? ...
by Cruise
Wed Mar 01, 2017 1:34 pm
Forum: Investing - Theory, News & General
Topic: "How Pensions and Social Security Affect Asset Allocation"
Replies: 19
Views: 3311

Re: "How Pensions and Social Security Affect Asset Allocation"

What would be the group's view of these AAs: 1. $1.4 M. (1M TSM, .4 M TBM), Pension of 1.0KK per year 2. $1.0 M. (1M TSM), Pension of 1.8KK per year (the extra pension was "purchased" and increases the pension amount by 0.8KK per year. The original purchase price was $.4M) My take would be...
by Cruise
Tue Feb 28, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Second home or not ready
Replies: 56
Views: 4281

Re: Second home or not ready

blessed wrote:No intentions of renting the home, just something for broader family use and to pass down to the next generation.


What "next generation?" In post #1, you said you did not have kids. Perhaps I am missing something?
by Cruise
Sat Feb 25, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Protecting Aging Parrents - Advice Please
Replies: 25
Views: 2571

Re: Protecting Aging Parrents - Advice Please

My FIL is almost 70 and unfortunately is starting to have cognitive decline. He's still independent and semi-retired working a few days a week for the former employer. My FIL is fortune enough to mass a decent nest egg and has a hefty pension. It's getting to the point where he'll sign anything put...
by Cruise
Sat Feb 25, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Protecting Aging Parrents - Advice Please
Replies: 25
Views: 2571

Re: Protecting Aging Parrents - Advice Please

My FIL is almost 70 and unfortunately is starting to have cognitive decline. He's still independent and semi-retired working a few days a week for the former employer. My FIL is fortune enough to mass a decent nest egg and has a hefty pension. It's getting to the point where he'll sign anything put...
by Cruise
Fri Feb 24, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Ethical dilemma involving birthdays and wine..
Replies: 35
Views: 3571

Re: Ethical dilemma involving birthdays and wine..

This year I received a bottle on my birthday AND a bottle a month after my birthday (clearly a mistake). God said count your blessings, not question them. +1 I used to get a nice little present from a client company's president that was a collectible. I really enjoyed the yearly gift, which probabl...
by Cruise
Wed Feb 22, 2017 12:55 am
Forum: Personal Finance (Not Investing)
Topic: How to Split Pension
Replies: 58
Views: 4097

Re: How to Split Pension

Lots of good info to chew on -- we hadn't even thought about asking for relative value data. They haven't offered it to us at this point. Does anyone think that hiring an hourly planner to run the numbers for us might be a good idea? (Neither of us are good with spreadsheets!) Or is that a waste of...
by Cruise
Sat Feb 18, 2017 11:42 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 53
Views: 6066

Re: Roll Call for the Retirement Class of 2017!

The only negative thing I can report about retiring at age 67 is that all the ideas I had about how active my life was going to become, doing all the things I wanted to do when I retired ran into one slight complication - a little thing called "arthritis". It turned out to be a little mor...
by Cruise
Sat Feb 18, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Foreign bank transfer, small
Replies: 9
Views: 589

Re: Foreign bank transfer, small

I have never used them, but others have commented that Transferwise is a reliable and inexpensive answer to your situation:

https://transferwise.com/us/

Edit to add: I just checked and you would pay $83 to send 75E, including the fee.
by Cruise
Sat Feb 18, 2017 2:04 am
Forum: Personal Finance (Not Investing)
Topic: Best way to set up small account for incidentals after Mom passes away?
Replies: 19
Views: 1633

Re: Best way to set up small account for incidentals after Mom passes away?

Good luck, OP. Just to share what my sibs and I did (I was executor/POA/etc. Since different sibs had different responsibilities in helping my parent, we had a joint credit card so expenses could be put on that. I was able to review the charges in my fiduciary capacity. A point about opening up a jo...
by Cruise
Sat Feb 18, 2017 1:47 am
Forum: Personal Consumer Issues
Topic: Cruise suggestions.
Replies: 37
Views: 3249

Re: Cruise suggestions.

I am wondering if there is a way to get the cruise cheaper via other sellers instead of direct with the cruise line? I used to book directly with cruiselines, but an internet friend introduced me to his travel agent, and she has been getting me 10% off cruise fares. That kind of discount adds up! F...
by Cruise
Fri Feb 17, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: How to sell a funeral plot located in Hawaii on the slopes of Diamond Head (great views)?
Replies: 31
Views: 2010

Re: How to sell a funeral plot located in Hawaii on the slopes of Diamond Head (great views)?

You can "sell" cemetery plots to whomever you want. The trick is to transfer the "title," and that has to go through the cemetery company. The title transfer is likely how you inherited the plots, and one can use the same process on a private sale. There are modest administrative...
by Cruise
Fri Feb 17, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Morningstar Ratings?
Replies: 7
Views: 390

Re: Morningstar Ratings?

If you buy funds long enough, you will learn that many, many funds that start out (for you) as a 5-star, eventually become a 3-star. That is practical experience which illustrates the maxim that one cannot reliably beat the market.
by Cruise
Thu Feb 16, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Cruise suggestions.
Replies: 37
Views: 3249

Re: Cruise suggestions.

My wife and I are planning to take a 15 day long cruise around the Med this fall. We are starting in Italy and traveling to Greece and stopping in lots of other places along the way. We are paying a lot for this trip. So I am wondering what things I need to do to save money or precautions I need to...
by Cruise
Thu Feb 16, 2017 1:21 am
Forum: Personal Consumer Issues
Topic: Malta
Replies: 14
Views: 1700

Re: Malta

On the advice of a top chef in my area, as well as a friend, we made the entire day about lunch at the Tartarun Fish Restaurant: https://www.tripadvisor.com/Restaurant_Review-g190323-d1911172-Reviews-Tartarun_Fish_Restaurant-Marsaxlokk_Island_of_Malta.html The food and dining experience was excellen...
by Cruise
Wed Feb 15, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Any advice for buying a Dr Office?
Replies: 15
Views: 1936

Re: Any advice for buying a Dr Office?

It is also possible that he, or a close relative, owns the building under a different company name and then leases it to the business for tax reasons so it would be good to know that going into the deal. He and his wife own the building. But they won't sell it. They know a local commercial real est...
by Cruise
Tue Feb 14, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: term life insurance expiring
Replies: 5
Views: 511

Re: term life insurance expiring

My 20 year term life insurance is expiring in a few months. The death benefit is 1.6 million which is not really needed by my family but of course would be a nice inheritance. The premium to continue this for another 10 years has gone up by a factor of 9 (from $2,000/yr to $18,000/yr) and then the ...
by Cruise
Tue Feb 14, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Cable and Internet
Replies: 52
Views: 6037

Re: Cable and Internet

This week, I called my cable provider and told them their bill was too high for me. They attempted to "educate" me about lower-cost/lower-echelon bundles, but I insisted that I wanted the same bundle at a lower cost. The CSR put me on hold and then offered a price reduction of $40/mo, or 2...
by Cruise
Tue Feb 14, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Any advice for buying a Dr Office?
Replies: 15
Views: 1936

Re: Any advice for buying a Dr Office?

When you talk about paying a % of collections, is that gross revenue or is that gross profit? I'm sensing it is the former. I would say the latter is far more interesting. Mature businesses tend to be valued as a multiple of their profits, not of their revenue. EDIT: and actually, I'd say net profi...
by Cruise
Tue Feb 14, 2017 2:22 am
Forum: Personal Finance (Not Investing)
Topic: Any advice for buying a Dr Office?
Replies: 15
Views: 1936

Re: Any advice for buying a Dr Office?

You might want to read through this thread regarding purchasing a dental practice. Lots of learned advice:

viewtopic.php?f=2&t=210646&p=3234936#p3234936
by Cruise
Mon Feb 13, 2017 2:55 am
Forum: Personal Consumer Issues
Topic: Saved too much? What do you splurge on?
Replies: 90
Views: 8890

Re: Saved too much? What do you splurge on?

After a lifelong practice of frugality, here is what we are splurging on: Vacations: Spur of the moment decisions to travel Air: F on domestic and international air Cruises: We used to think that $2500 pp was a splurge. Now we spend 10X that much. Hotel rooms: Have given ourselves permission to book...
by Cruise
Sun Feb 12, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Munich,Germany- advice on things to not miss
Replies: 34
Views: 1571

Re: Munich,Germany- advise on things to not miss

In addition to the advice you have received, going to the Hitler's Eagles' Nest, or Kelsteinhaus, is very interesting. It is a bit of a drive, but makes a great sidetrip. You could then go to Salzburg. Don't recall the name of it, but somewhere on the German side of the border is a salt mine which h...
by Cruise
Sun Feb 12, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire ending its Reserve 100,000 bonus point offer
Replies: 40
Views: 5493

Re: Chase Sapphire ending its Reserve 100,000 bonus point offer

Wow, for a "travel" card I'm having large problems with my Chase Sapphire Reserve. Applied in January, online, using the address of our condo since we're currently there and I wanted the card to come to me there. There was only a mailing address option online, no billing address option. I...
by Cruise
Sat Feb 11, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Payment Method for Private Used Car Sale
Replies: 43
Views: 2428

Re: Payment Method for Private Used Car Sale

Last time someone purchased a significant item from me for "cash," I insisted that the purchaser obtain a bank cashier's check issued by my bank, and then meet me at my branch, where I deposited it. Only then was the sale considered complete.

Very easy and zero risk.
by Cruise
Sat Feb 11, 2017 2:12 am
Forum: Personal Finance (Not Investing)
Topic: millennials considering purchase of a dentist practice
Replies: 26
Views: 2841

Re: millennials considering purchase of a dentist practice

Some considerations from one who recently sold his business and knows a few people, including dentists, who have sold or purchased businesses: The value of the dental business is composed of the tangible assets (office supplies, equipment, building) and intangible assets (productive employees, loyal...
by Cruise
Fri Feb 10, 2017 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Ready to retire 65 50k US bond or 1yr SS delay?
Replies: 28
Views: 2212

Re: Ready to retire 65 50k US bond or 1yr SS delay?

I just tracked my year of investing my SS payments, and I earned about 14% over the year. So far, I am ahead of where I would have been had I waited. Luck isn't a strategy :annoyed Are you suggesting that investment in the market is not a strategy or good? Gee, I thought that what is what this foru...
by Cruise
Fri Feb 10, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Ready to retire 65 50k US bond or 1yr SS delay?
Replies: 28
Views: 2212

Re: Ready to retire 65 50k US bond or 1yr SS delay?

I have a lump $50K extra above what I'l need when I retire in a year. Will it be better to invest it in bonds, for the rest of my life, which currently give 3%, (or some other safe investment) and start my SS immediately or better to delay starting SS for 1 year (thus getting ~8% SS increase) by li...
by Cruise
Fri Feb 10, 2017 2:49 am
Forum: Personal Consumer Issues
Topic: Cost of tax preparation
Replies: 43
Views: 3385

Re: Cost of tax preparation

My accounting costs for the past year were $1700ish. That included a return for me and my wife. Included were forms for my part-time business interest, my pension income, my wife's salaried income and her unreimbursed employee expenses. Lots of sources of investment income. Filing of my Solo-401K an...
by Cruise
Thu Feb 09, 2017 4:15 am
Forum: Personal Consumer Issues
Topic: OP UPDATE:Getting Rid of Google Search Result??
Replies: 29
Views: 3994

Re: Getting Rid of Google Search Result??

If you are in law enforcement, the offending website usually will remove your listing for free.
by Cruise
Sun Feb 05, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Employer requesting signing NDA
Replies: 21
Views: 1578

Re: Employer requesting signing NDA

OP: Is everyone in your company being asked to sign this NDA?
by Cruise
Sat Feb 04, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Banking ATM card with no international ATM fees and foreign exchange fees
Replies: 15
Views: 1065

Re: Banking ATM card with no international ATM fees and foreign exchange fees

Does anybody know of any banks that offer checking/savings accounts with no maintenance fees, international ATM fees, and no foreign exchange fees without requiring a huge combined minimum amount in the accounts? The reason I cannot invest directly with Vanguard is that my current bank requires a h...
by Cruise
Fri Feb 03, 2017 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Different Advice Needed - Career Change to Investment
Replies: 12
Views: 1157

Re: Different Advice Needed - Career Change to Investment

It would be a dream to work for some of the top mutual fund firms that focus on long term investment (T Rowe Price, Dodge & Cox, Wellington, Primecap). This is akin to working as a scientist developing new techniques for a war criminal to use. Not really, but you would be making your money off ...

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