Search found 313 matches

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: 4074

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: 4074

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: 4074

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: 4074

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: 178

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)? m Is it worth it to you to buy a helmet...
by Cruise
Wed Jul 26, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Buying a vacation home in San Diego
Replies: 14
Views: 1639

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: 3629

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: 3155

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: 1634

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: 2414

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...
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: 5047

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: 45
Views: 3548

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: 1793

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: 45
Views: 3548

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: 716

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: 931

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: 45
Views: 3548

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: 2025

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: 2025

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: 22
Views: 2877

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: 1708

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...
by Cruise
Thu Jul 13, 2017 2:08 am
Forum: Personal Consumer Issues
Topic: What to do about unresponsive attorney holding retainer
Replies: 17
Views: 2001

Re: What to do about unresponsive attorney holding retainer

Anyway, back on track...(sorry, my fault...) Any other ideas as to how she should proceed? The overwhelming view (from my reading of the above) seems to be to offer the attorney an ultimatum with a time limit and a copy to the NY Bar Association, and, if not met, cut bait. I get that might be her b...
by Cruise
Wed Jul 12, 2017 12:39 am
Forum: Personal Consumer Issues
Topic: What to do about unresponsive attorney holding retainer
Replies: 17
Views: 2001

Re: What to do about unresponsive attorney holding retainer

You should really file a complaint with your state's Disciplinary Counsel's office. Contact the bar association or the State Supreme Court if Googling it does not get your contact information.
by Cruise
Tue Jul 11, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 57
Views: 4087

Re: Solar panels

When I bought my system, my state and federal governments gave generous tax advantages to those who could afford to front such systems (welfare for the rich, you might call it.) So my ~$42,000 system got something like ~$28,000 in tax benefits. With my monthly electrical use, the system paid itself ...
by Cruise
Sun Jul 09, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: What is this cable device?
Replies: 53
Views: 3309

Re: What is this cable device?

Thanks everyone for your help. I was curious (and even a little peeved) that a new device was plugged into my house without even telling me why or what it was. I will post a picture of the "splitter" just for anyone who is curious. I have this device. I'm peeved that the cable company, wh...
by Cruise
Sun Jul 09, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Most Effective Rat Poison
Replies: 24
Views: 1402

Most Effective Rat Poison

It is that time of year again, and I need to put some poison outside and kill some rats. I saw one rat that was the size of Godzilla. I'm only concerned with pellets that rats like to eat and will kill them. Effectiveness is the only criteria.

I'd appreciate any learned advice. Thank you.
by Cruise
Sun Jul 09, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: What is this cable device?
Replies: 53
Views: 3309

Re: What is this cable device?

Thanks everyone for your help. I was curious (and even a little peeved) that a new device was plugged into my house without even telling me why or what it was. I will post a picture of the "splitter" just for anyone who is curious. I have this device. I'm peeved that the cable company, wh...
by Cruise
Sun Jul 09, 2017 2:47 am
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 54
Views: 4115

Re: What to wear for job interview - skip the tie?

OP: I've conducted thousands of job interviews. I've seen so many people who were clearly uncomfortable in a tie and suit. Interviewers judge on poise. If you are going to be so uncomfortable in your dress, it will show, and the outcome may be that you are downgraded. The most important thing you ca...
by Cruise
Sun Jul 09, 2017 2:02 am
Forum: Personal Finance (Not Investing)
Topic: How are you a leader in personal finance?
Replies: 29
Views: 3264

Re: How are you a leader in personal finance?

Since some of the other posts mentioned relevant leadership qualities, I will not repeat those. Here is a new one: I am a leader because I found a spouse who is not only beautiful, loyal and smart, but very conscientious, career-oriented, and relatively frugal. One cannot overstate the impact a good...
by Cruise
Thu Jul 06, 2017 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 54
Views: 5624

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

I thank all of you for sharing. I've learned a lot from you. Here is my method: A. I give my wife a spreadsheet every once in a while. The sheet has the names of the institutions, the account numbers (the last four digits), and the amounts. B. I give my wife a separate document, with the contact nam...
by Cruise
Tue Jul 04, 2017 2:31 am
Forum: Personal Finance (Not Investing)
Topic: Looking for a source of advice (multifaceted situation)
Replies: 7
Views: 1440

Re: Looking for a source of advice (multifaceted situation)

OP: It seems like you need a team approach. I'd include: Trust and Estate Attorney CPA Fee-only Financial Adviser But before moving forward, you might want to contact your State's Disability and Health Care branches to better inform yourself of options that might be relevant to you. Good luck in you...
by Cruise
Tue Jul 04, 2017 1:01 am
Forum: Personal Consumer Issues
Topic: Late planning trip - Fringe festival Edinburgh
Replies: 3
Views: 505

Re: Late planning trip - Fringe festival Edinburgh

Okay, so it's probably impossibly late, but we'd like to do something in mid August before the kids go back to school. We have been to Edinburgh a couple of times, briefly, but would perhaps like to spend 5 days or so during the Fringe Festival. Depending on timing, it would be for 4 or 5 people. C...
by Cruise
Mon Jul 03, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: Best tool/technique for grill cleaning?
Replies: 24
Views: 2097

Re: Best tool/technique for grill cleaning?

After grilling: Wire Brush, Wads of wet paper towels.

Before Next Grill Use: Wire Brush again, Wads of wet paper towels, Heat up the Grill

Boy, the psychology of this is amazing. I'm starting to feel wire bristles in my stomach! :happy
by Cruise
Mon Jul 03, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Childless couple - want siblings to inherit after we both go
Replies: 36
Views: 3514

Re: Childless couple - want siblings to inherit after we both go

Big Dog wrote:
annielouise wrote:
and 50% to my surviving siblings. (Although we are about to change that.)

I REALLY misinterpreted the parenthetical the first time I read it.


My laugh for the day. Thanks.


+1 :D
by Cruise
Mon Jul 03, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Unfounded Fear?
Replies: 16
Views: 1491

Re: Unfounded Fear?

OP: You have identified the risks. You have spoken of your unease. What are the opportunities, either in your development or outside of it? Can you sell your place? Do you have the energy to get on the HOA board and make changes? The only good jobs involve having flexibility and support that comes w...
by Cruise
Mon Jul 03, 2017 2:46 am
Forum: Personal Consumer Issues
Topic: Stressless Recliners
Replies: 30
Views: 16596

Re: Stressless Recliners

We recently bought an Ekornes love seat, which set us back about $4K. It is really comfortable for a couple to sit together and watch TV. We have not been totally pleased with it, because when we recline way back in it, our backs don't feel all that good. So, reclining a little, it feels fine--way b...
by Cruise
Fri Jun 30, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security
Replies: 17
Views: 2093

Re: Social Security

Vanguard Fan, Depending on your incomes you may want to take a look at this strategy: Wife files for her own benefits next year when she turns 64 and you file for spousal benefits since you will have turned 66, your FRA, in the same year. Then you file for your for your own benefits at 70 and she f...
by Cruise
Thu Jun 29, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire - Concierge Service experience
Replies: 6
Views: 1920

Re: Chase Sapphire - Concierge Service experience

The Chase cards are really mass-market cards and the level of concierge service is unremarkable. I tried them once, and they did not do anything I could not do myself, and do it more easily and more quickly.

If you check Flyertalk.com you will see countless posts confirming what I said above.
by Cruise
Sat Jun 24, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Stop saving and start spending
Replies: 67
Views: 9423

Re: Stop saving and start spending

The question really is do we need to keep saving $175K a year or bring it down to $100K or $50K without risking retirement. Thanks No, you don't need to. But, what is your risk tolerance for early: 1. Death 2. Disability 3. Job Loss 4. Market Crash Sounds like you feel that you want to live-it-up a...
by Cruise
Wed Jun 21, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Best with Nest: Phillips Hue or :Lutron/Caseta?
Replies: 0
Views: 267

Best with Nest: Phillips Hue or :Lutron/Caseta?

I just bought a Nest security camera and wanted to use a device to link the Nest with lighting. Two options appear to be Phillips Hue and Lutron/Caseta. Not necessarily interested in the lease expensive option, just the easiest to install and use.

Many thanks for sharing your experience.
by Cruise
Wed Jun 21, 2017 1:44 am
Forum: Personal Consumer Issues
Topic: Recommendation of Security Cameras for Exterior of House
Replies: 36
Views: 4745

Re: Recommendation of Security Cameras for Exterior of House

I just purchased the Nest Outdoor cams (and an indoor one). So far, a much better experience than with the Arlo cams.

For those who have subscribed to the subscription-based Nest Aware service, have you found sufficient value to maintain the subscription?

Many thanks!
by Cruise
Sun Jun 18, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: How best to Donate?
Replies: 20
Views: 1399

Re: How best to Donate?

OP here: I appreciate everyone's input. Very valuable. I am early into this process, so my thoughts are still forming. It appears that there will have to be compromises given various objectives. My primary goals is to make sure that my wife and I have sufficient assets so that we can live comfortabl...
by Cruise
Sun Jun 18, 2017 12:43 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 192
Views: 156847

Re: Please Try Out Test Posts Here

Can someone kindly educate me as to how to multi-quote? Thank you. You mean like this? Hit "Post a reply" to reply to the thread which puts you in the post editing box. Under the post editing box are the thread responses in reverse time order. Note that each post has its own quote button....
by Cruise
Sun Jun 18, 2017 12:09 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 192
Views: 156847

Re: Please Try Out Test Posts Here

Can someone kindly educate me as to how to multi-quote?

Thank you.
by Cruise
Sat Jun 17, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: How best to Donate?
Replies: 20
Views: 1399

How best to Donate?

I recently had a meeting with a foundation executive who outlined some options for donating to the foundation. These included: 1. Charitable Remainder Trust 2. Charitable Gift Annuity 3. Charitable Lead Trust 4. IRA Charitable Rollover As I understand it, the first two provide annual income, avoid s...
by Cruise
Fri Jun 16, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Better credit card(s) for us?
Replies: 5
Views: 840

Re: Better credit card(s) for us?

For a travel-related card, it really depends where you live/what airlines serve your locale. That being said, check out the Chase Sapphire Reserve.
by Cruise
Fri Jun 16, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Rewards Credit Cards for Large Purchases
Replies: 19
Views: 1797

Re: Rewards Credit Cards for Large Purchases

OP: If you "travel extensively" and dine extensively, the CSR is a no-brainer. Redeeming points for J or F cabin increases the value exponentially. :) I can't see why you would do the CSP option.
by Cruise
Thu Jun 15, 2017 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on starting a second business
Replies: 5
Views: 579

Re: Advice on starting a second business

Current business is organized as an S-Corp and consists of me and a partner (50/50). We two are the only employees and we have set up a conventional 401k plan. There is no healthcare plan. We are thinking of launching an entirely new business. This business will have employees - more than 100. Is t...
by Cruise
Thu Jun 15, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: Best Cheap Champagne
Replies: 60
Views: 4236

Re: Best Cheap Champagne

A few years ago (2000) had a blind champagne tasting party, with about ten bottles ranging in price from $18 to $100 (DomP). Each of the tasters independently rated the blind tastings, with the results tabulated by our locally-sourced statistical/methodological expert panel. The winner, by a mile, w...
by Cruise
Wed Jun 14, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Best windows based laptop
Replies: 24
Views: 1315

Re: Best windows based laptop

Surface Book. Great machine that I purchased when my super-slim Asus crashed while under Microsoft Store warranty. The warranty was a great purchase decision for me, and I got the full value I paid for the Asus applied to my new purchase.