Search found 342 matches

by Cruise
Thu Oct 19, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 226
Views: 26872

Re: Retirement Account Stolen by Identity theft

OP: The financial institutions breached their duty to protect your father’s assets when they realeased them to a party who was not your father. You need to have him retain an attorney specializing in banking matters, and have the attorney file a claim for redress. All the other concerns about catch...
by Cruise
Thu Oct 19, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 226
Views: 26872

Re: Retirement Account Stolen by Identity theft

OP: The financial institutions breached their duty to protect your father’s assets when they realeased them to a party who was not your father. You need to have him retain an attorney specializing in banking matters, and have the attorney file a claim for redress. All the other concerns about catchi...
by Cruise
Sat Oct 14, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 3832

Re: Liability of phone conversations while my client is driving (and I am not in the car)?

HornedToad wrote:
Sat Oct 14, 2017 11:56 am
TomatoTomahto wrote:
Sat Oct 14, 2017 11:41 am
HornedToad wrote:
Sat Oct 14, 2017 11:30 am
Especially when considering what level of overly controlling behavior someone will or should be expected to tolerate from their clients.
Do you mean “vendors?” I believe the OP’s clients may be dealing with an over controlling vendor
by Cruise
Fri Oct 13, 2017 10:17 pm
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 3832

Re: Liability of phone conversations while my client is driving (and I am not in the car)?

OP: +1 re articulating your stance in your engagement agreement. Re liability, I’d say it is enormous in your case because you have already been on TV, being quoted on this very issue. Should a plaintiff’s counsel discover you were on the phone, you would be red meat to an attack dog.
by Cruise
Thu Oct 12, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 103
Views: 17940

Re: Growing old without kids or younger caring relatives

and re: suicide when feeble It might be possible to set up an email deadman switch so that after some number of unanswered emails it funds "Dial-a-Hitman" and a professional comes out to finish me off when I'm face down in the mashed potatoes. Hopefully the hitman looks first to make sure it's not ...
by Cruise
Sat Sep 30, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: which of my 6 credit cards to keep?
Replies: 11
Views: 1302

Re: which of my 6 credit cards to keep?

I really can't offer much advice, OP, because I don't understand your point/mileage accumulation goals. Are you wedded to one airline or alliance? What activity creates most of your point/mileage earnings? Is the Amex Plat annual fee (and the other card's AF) easily recovered by benefits? Perhaps if...
by Cruise
Tue Sep 26, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: High end cruising suggestions.
Replies: 26
Views: 2766

Re: High end cruising suggestions.

OP: An upgraded experience from NCL might be Celebrity, particularly in Aqua or Suite Class. Just go on the larger and newer ships, not the older /smaller ones. We have been enjoying an upgrade from Celebrity, that is Seabourn. Their ships are much smaller and their cabins much larger than typical. ...
by Cruise
Tue Sep 26, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Finding a Driver
Replies: 26
Views: 3041

Re: Finding a Driver

My wife and I used to do a lot of business travel to different airports. Each of us happened upon a good driver with a great car. So we got their business cards and developed relationships with them such that we called/texted in advance, and each would be there for us when we needed them (not only a...
by Cruise
Tue Sep 26, 2017 1:48 am
Forum: Personal Finance (Not Investing)
Topic: Is buying a home this expensive reasonable for our situation?
Replies: 16
Views: 2010

Re: Is buying a home this expensive reasonable for our situation?

OP: Can you afford it? When we purchased our home, we had a very simple equation to answer that question:

An affordable Mortgage = Ability to Pay Monthly Mortgage Payments and other Expenses if One Spouse Loses Job.

We slept very well at night following that calculus.
by Cruise
Mon Sep 25, 2017 4:18 am
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8248

Re: Age you retired

I had the good fortune of having two simultaneous careers. Retired from a longterm and part time consukting job seight years ago at age 57. Sold my own longtime full time consulting business three years ago at age 61. I rarely do any consulting now, just an occasional gig allowed under my sales agre...
by Cruise
Sun Sep 24, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8369

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

@klangfool: "A) Will the physician brush of the question as trivia in order to hide he/she lack confidence in answering the question? Or, B) Will the physician admit that he/she cannot answer the question with a degree of confidence at this moment and he/she will do the research and come back with a...
by Cruise
Sun Sep 24, 2017 3:58 am
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8369

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

Don't forget to rule out the physicians who have had disciplinary actions against them and have been sued too many times. You can get this information from licensing boards and state court records. Not yet mentioned (IIRC), if you are having an orthopedic issue, physical therapists know which patien...
by Cruise
Sat Sep 23, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24103

Re: I won the Lottery. Need sound advice.

OP: Pay off the mortgage. You will have peace of mind, and that will he a blessing for you. Not paying off the mortgage and investing the rest? Well, the stock market is a bit of a gamble. How would you feel if there is a major correction and overnight you lost 50% of the value of your winnings? I c...
by Cruise
Thu Sep 21, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24103

Re: I won the Lottery. Need sound advice.

This chart will be very helpful, thank you! I'll let you know what I once did for my wife to help her understand a very important investment decision which we faced: I made a Powerpoint presentation. In the presentation, I laid out the options we had, and the risks and benefits. Seeing it all (visu...
by Cruise
Thu Sep 21, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24103

Re: I won the Lottery. Need sound advice.

OP:

You might want to read a book written by someone who won "the big one" and what happened afterwards:

https://www.amazon.com/Did-My-Life-Afte ... 0971168210
by Cruise
Wed Sep 20, 2017 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 70
Views: 5968

Re: Getting over emotional attachment to house

What's with the fascination with Water? I've seen several folks on this thread for whom being on the water is the main attraction. I've had the opportunity several times in my years to move to or build on a spot with "a view of the water", generally at a real estate premium of 50% or more. Always d...
by Cruise
Wed Sep 20, 2017 12:44 am
Forum: Personal Consumer Issues
Topic: Lawyer overbilling for prenup review
Replies: 66
Views: 5472

Re: Lawyer overbilling for prenup review

OP: What are you going to do?
by Cruise
Mon Sep 18, 2017 12:58 am
Forum: Personal Consumer Issues
Topic: Lawyer overbilling for prenup review
Replies: 66
Views: 5472

Re: Lawyer overbilling for prenup review

Sorry for your disappointing experience with an attorney. You really have four options: a. Pay the bill b. Negotiate a lower fee c. Stiff the Attorney d. File a Complaint The last option should be exercised if you truly believe you are the victim of misconduct. In your complaint to the disciplinary ...
by Cruise
Sun Sep 17, 2017 1:59 am
Forum: Personal Consumer Issues
Topic: Lawyer overbilling for prenup review
Replies: 66
Views: 5472

Re: Lawyer overbilling for prenup review

Did the attorney have you sign an engagement agreement? If so, what did it say?
by Cruise
Sat Sep 16, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Why are so many Chinese visiting my website?
Replies: 14
Views: 2484

Re: Why are so many Chinese visiting my website?

All: Thanks for your insights.

For those who are worried about my laptop and my isp and my website, no worries. Thank you for your concern.
by Cruise
Sat Sep 16, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Why are so many Chinese visiting my website?
Replies: 14
Views: 2484

Re: Why are so many Chinese visiting my website?

If I am feeling too good about the world, and even reading the comments on news sites isn't helping, I turn to reading firewall logs. Imagine dozens of people all over your house, like ants, trying to get in all the time. LOL. I just looked at my laptop McAfee firewall log, and I need some roach sp...
by Cruise
Sat Sep 16, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Why are so many Chinese visiting my website?
Replies: 14
Views: 2484

Why are so many Chinese visiting my website?

I can track who is visiting my website, and there are so many visits from China. I don't sell products, just services, which cannot be useful in China. So, IT & security professionals, what is happening here?
by Cruise
Sat Sep 16, 2017 1:26 am
Forum: Personal Consumer Issues
Topic: Wondering if solar is worth it - does my utility bill seem high? (Arizona)
Replies: 40
Views: 2916

Re: Wondering if solar is worth it - does my utility bill seem high? (Arizona)

Ok - quick update after consultant came by. Company: PurSolaraz Product - panels - made in Canada - supposedly exceeds specs - I can't recall the name. They use Micro Invertors - cost more - but better than String according to consultant - at least better warranty. Anyhow - he will take all the dat...
by Cruise
Sat Sep 16, 2017 1:14 am
Forum: Personal Consumer Issues
Topic: Lawyer overbilling for prenup review
Replies: 66
Views: 5472

Re: Lawyer overbilling for prenup review

Attorneys in most states must have you sign an engagement agreement, outlining the scope of the attorney's work and charges. Did you sign one? If so, did the attorney violate it? Assuming that your written directives about a time ceiling was transmitted before the attorney commenced work on your cas...
by Cruise
Fri Sep 15, 2017 3:41 am
Forum: Personal Consumer Issues
Topic: Wondering if solar is worth it - does my utility bill seem high? (Arizona)
Replies: 40
Views: 2916

Re: Wondering if solar is worth it - does my utility bill seem high? (Arizona)

Whether dollar will work for you is a simple calculus. With govt tax incentives, our $42,000 system only cost us about $14500 after the write off. Given our $275/mo average electric bill, we figured a 4.5 year payback. That time has passed, and we are enjoying our "free" air conditioning set at 72 d...
by Cruise
Sun Sep 10, 2017 2:05 am
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 48
Views: 5013

Re: Is Amex Platinum worth the high fees?

I pulled the trigger and got the Plat. Within a day, I got reimbursed for $200 of airline credit. I just checked on an international flight in Business. The IAP program quote I got was $800 per person less than what I would have paid if I purchased on my own, a 17% discount. I guess I'll have to tra...
by Cruise
Wed Sep 06, 2017 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Check Received: What to do?
Replies: 22
Views: 2190

Re: Check Received: What to do?

Many thanks for the thoughtful replies. Given the responses, my wife has opted to mobile deposit with the appropriate signatures...
by Cruise
Wed Sep 06, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Check Received: What to do?
Replies: 22
Views: 2190

Check Received: What to do?

For reasons unknown, the cable company sent a check to my long-departed mother-in-law, which was received by my wife. The check is for a very small amount, perhaps enough to cover a lunch for two at an upscale diner. My wife was the executor of the estate, which has long since been dissolved. What w...
by Cruise
Sat Jul 29, 2017 12:54 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Companies Do You Like?
Replies: 57
Views: 4340

Re: Which Credit Card Companies Do You Like?

/quote] My wife and I each have the Blue Cash Preferred. It's a $95 annual fee, and addt'l cardholders are free. I love the 6% cash back at grocery stores. We not only get almost all our groceries at Kroger, they have a vast gift card mall that we use for other purchases. The gift cards get us 6% b...
by Cruise
Fri Jul 28, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Companies Do You Like?
Replies: 57
Views: 4340

Re: Which Credit Card Companies Do You Like?

Texanbybirth wrote:We've been very happy with AMEX since 2013.
Which AMEX do you like, and why?
by Cruise
Fri Jul 28, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Companies Do You Like?
Replies: 57
Views: 4340

Re: Which Credit Card Companies Do You Like?

I'd be curious to understand why you are reaching out to Customer Service. Over the 35 or so years I've had cards with Chase, I've reached out to them for: 1. Information on billing cycles 2. Charge backs 3. Moving Credit Limits from one card to another as our needs change 4. Filing Damage Claim on...
by Cruise
Fri Jul 28, 2017 2:28 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Companies Do You Like?
Replies: 57
Views: 4340

Which Credit Card Companies Do You Like?

I've been with Chase for many years, and between my wife and I, we have five cards that we use for various purposes. We don't churn. We have used our reward points for free travel, and we have appreciated this benefit over the decades. Customer service has been good. We don't have to enter our credi...
by Cruise
Thu Jul 27, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Own-occupation disability insurance
Replies: 1
Views: 198

Re: Own-occupation disability insurance

You are correct that a brain dysfunction is your primary concern. Your risks are from accidental injury, brain cancer, or stroke. Do you have any family history of brain cancer or stroke? Do you have risk factors for stroke (hypertension, diabetes, AFIB, etc)? https://www.nhlbi.nih.gov/health/health...
by Cruise
Wed Jul 26, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Buying a vacation home in San Diego
Replies: 14
Views: 1719

Re: Buying a vacation home in San Diego

La Jolla
by Cruise
Mon Jul 24, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Golfers - need to ramp up ASAP!
Replies: 42
Views: 3818

Re: Golfers - need to ramp up ASAP!

However you prepare, be aware of a couple of golf conventions: 1. No one cares how badly you play, as long as you keep up the pace. 2. Don't whine about your bad shots or make excuses, or otherwise draw attention to your lousy game. 3. In the end, the only things that people want in a golf partner i...
by Cruise
Sun Jul 23, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: What's you safety deposit box fee?
Replies: 50
Views: 3429

Re: What's you safety deposit box fee?

Medium box. $85.
by Cruise
Sat Jul 22, 2017 2:29 am
Forum: Personal Consumer Issues
Topic: car rental at OGG, any opinions?
Replies: 30
Views: 1855

Re: car rental at OGG, any opinions?

Every time I go to OGG, I use Avis. Never any problem.
by Cruise
Fri Jul 21, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: simplicity vs chasing bonuses
Replies: 29
Views: 2621

Re: simplicity vs chasing bonuses

OP: If your "hobby" is negatively affecting your life, time to give it up or dramatically change the way you approach it. For example, no problem having 2-3 cards "go to" cards, and using them to maximize points/miles. Repeatedly signing up and keeping track of tons of cards, etc.? Time to move on. ...
by Cruise
Fri Jul 21, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Denver or Portland for a 2nd home
Replies: 66
Views: 5410

Re: Denver or Portland for a 2nd home

Denver is also better in that it is closer to Louisiana and has direct flight In thinking of our own personal choice for a second home, we came to a conclusion that having nonstop flights was a big factor. Not sure on how often you plan to make the trip, but carefully weigh having to take connectin...
by Cruise
Fri Jul 21, 2017 2:33 am
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 48
Views: 5013

Re: Is Amex Platinum worth the high fees?

We are retirees and travel several times/year. Currently we have United mileage Plus card at $95/year. We recently got an invite in the mail from Amex and was intrigued by its marketing brochure. It looks good for the $550 fee. What do bogleheads here think? Is it worth it? Is there a comparable ca...
by Cruise
Thu Jul 20, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Office 2007 end of life
Replies: 27
Views: 1972

Re: Office 2007 end of life

sambb wrote:i would upgrade. i see no reason not to.
+1. No need for cloud-based Office. Just purchase the Stand-alone download for a one-time fee, and you will be using it for another ten years (until EOL) :)
by Cruise
Thu Jul 20, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 48
Views: 5013

Re: Is Amex Platinum worth the high fees?

We are retirees and travel several times/year. Currently we have United mileage Plus card at $95/year. We recently got an invite in the mail from Amex and was intrigued by its marketing brochure. It looks good for the $550 fee. What do bogleheads here think? Is it worth it? Is there a comparable ca...
by Cruise
Thu Jul 20, 2017 2:09 am
Forum: Personal Finance (Not Investing)
Topic: EMBA experiences?
Replies: 7
Views: 776

Re: EMBA experiences?

I looked at the EMBA vs the part-time MBA at my State U. When I made the decision against the EMBA (many moons ago), I did not see the value-add for me. It was very expensive and I was footing my own bill. In retrospect, the EMBA is a great value-add when one of two things occur: 1. Someone else is ...
by Cruise
Thu Jul 20, 2017 2:02 am
Forum: Personal Finance (Not Investing)
Topic: *** ALERT Individual 401k Form 5500-EZ filings (if necessary) due by 7/31
Replies: 10
Views: 1005

Re: *** ALERT Individual 401k Form 5500-EZ filings (if necessary) due by 7/31

And, while we are on the subject, my accountant recently informed me that once I stop contributing to my 401k, I can avoid the annual 5500 filings by rolling the account over into an IRA. Something for the 100% retired to consider...
by Cruise
Thu Jul 20, 2017 1:53 am
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 48
Views: 5013

Re: Is Amex Platinum worth the high fees?

We are retirees and travel several times/year. Currently we have United mileage Plus card at $95/year. We recently got an invite in the mail from Amex and was intrigued by its marketing brochure. It looks good for the $550 fee. What do bogleheads here think? Is it worth it? Is there a comparable ca...
by Cruise
Tue Jul 18, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Denver Trip - Last minute
Replies: 26
Views: 2190

Re: Denver Trip - Last minute

Iliketoridemybike wrote:
Cruise wrote:Like baseball? Check out whether the Rockies are in town. Try getting Club-level seats.
See the OP. :D
:oops:
by Cruise
Tue Jul 18, 2017 2:38 am
Forum: Personal Consumer Issues
Topic: Denver Trip - Last minute
Replies: 26
Views: 2190

Re: Denver Trip - Last minute

Like baseball? Check out whether the Rockies are in town. Try getting Club-level seats.
by Cruise
Sat Jul 15, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 21
Views: 3054

Re: Teeth Whitening

Based upon my experience, under no circumstances use the in-office whitening. Very expensive and no better than trays or strips. I've used the trays for years, and just recently tried experimenting with the strips. The trays are individualized, so do a good job of complete coverage. The strips are e...
by Cruise
Fri Jul 14, 2017 3:20 am
Forum: Personal Consumer Issues
Topic: Questions about security camera systems
Replies: 16
Views: 1861

Re: Questions about security camera systems

How many cameras depends on your unique house plan. I installed two outside my house and one inside my house. I purchased these three Nest cameras ($547) after the Arlo cameras I previously bought failed to correctly connect with my internet. There was no installation cost, aside from my time. I'm s...