Search found 275 matches

by Cruise
Sat Jun 24, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Stop saving and start spending
Replies: 19
Views: 2471

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: 135

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: 34
Views: 3784

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: 1210

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: 181
Views: 153098

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: 181
Views: 153098

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: 1210

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: 773

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: 1608

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: 507

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: 3692

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: 1119

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.
by Cruise
Wed Jun 14, 2017 2:29 am
Forum: Personal Finance (Not Investing)
Topic: Solar Tax Trick or Scam
Replies: 9
Views: 1364

Re: Solar Tax Trick or Scam

Scam: Never respond to anyone calling you to offer a service.
by Cruise
Sun Jun 11, 2017 10:04 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 7826

Re: College admissions question - she got a "C"

Wow! A "C!" Not the end of the world. My wife and I have five graduate degrees between us and went to State Us. Cs did not hold us back. Our net worth is in the top 2%. Tell your daughter to study hard, and take the bad with the good.
by Cruise
Sun Jun 11, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Recommendation of Security Cameras for Exterior of House
Replies: 34
Views: 3784

Re: Recommendation of Security Cameras for Exterior of House

fatmike91 wrote:Netgear (Arlo's manufacturer) makes it very clear that the night vision and motion does not work when you put a camera indoors facing outside. Not surprised by your result.

/


The night vision issue was not the deal-breaker. The poor customer service on the firmware repair was.
by Cruise
Sun Jun 11, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Recommendation of Security Cameras for Exterior of House
Replies: 34
Views: 3784

Re: Recommendation of Security Cameras for Exterior of House

Many thanks for all the good ideas here. Following this thread, and obtaining independent information, I went with Arlo Q for outdoor monitoring (although cameras were positioned inside). My experience: Daylight monitoring/view was good. Images good. Reasonable reliability. Night monitoring was usel...
by Cruise
Sun Jun 11, 2017 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Feasible path to early retirement?
Replies: 18
Views: 1844

Re: Feasible path to early retirement?

OP: Sorry about your health. What plans are there for your wife to work? Does she have a skill set valuable in your community? Unless you are in a windfall situation when your health declines, I would think she will have to work. Why not start sooner, building up her credentials and helping to pay o...
by Cruise
Sun Jun 11, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Does anybody else out there still pay for an email address?
Replies: 70
Views: 6400

Re: Does anybody else out there still pay for an email address?

My wife and I have different situations, so there are different solutions: She: Been with the same university for about 50 years, first as an undergrad,then as a grad student, professor, and now top administrator. Early in her life as a professor, this thing called email was invented, and she got on...
by Cruise
Wed Jun 07, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Should I accept this special work assignment (more pay)?
Replies: 11
Views: 901

Re: Should I accept this special work assignment (more pay)?

The decision isn't really about 10k, and certainly not about your financial position. It is about whether you see a future for yourself in the company, desire to be known as a go-to resource, and wish to be on a promotional path.
by Cruise
Wed Jun 07, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Traveling for 3 weeks
Replies: 17
Views: 1570

Re: Traveling for 3 weeks

This comes from a veteran of 35 years of 3-4 week travels: Getting to airport: We don't take a taxi-don't want to alert anyone not on our list (including driver) we are leaving. If relatives/friends can't help out, we rent a car for a day and drop it off at the airport. Communications: Vacation aut...
by Cruise
Wed Jun 07, 2017 1:52 am
Forum: Personal Consumer Issues
Topic: Help me choose an EXPENSIVE* red wine for a gift
Replies: 70
Views: 7898

Re: Help me choose an EXPENSIVE* red wine for a gift

Just noticed this thread and thought that I would chime in. The best I have ever had was Brunello. Some where around $75.00 Brunello is great when paired with the right food--rich cheese, wild boar, etc. Banfi makes a wonderfully consistent product. There are tons of smaller producers that make gre...
by Cruise
Wed Jun 07, 2017 1:49 am
Forum: Personal Consumer Issues
Topic: Traveling for 3 weeks
Replies: 17
Views: 1570

Re: Traveling for 3 weeks

This comes from a veteran of 35 years of 3-4 week travels: Getting to airport: We don't take a taxi-don't want to alert anyone not on our list (including driver) we are leaving. If relatives/friends can't help out, we rent a car for a day and drop it off at the airport. Prepping the house: Shut off ...
by Cruise
Tue Jun 06, 2017 2:29 am
Forum: Personal Finance (Not Investing)
Topic: Anti virus protection
Replies: 27
Views: 2053

Re: Anti virus protection

I use the paid version of Malwarebytes and also the paid version of McAfee. Malware bytes occasionally prevents bad stuff (some website trying to download something) from happening, and they warn me about it. McAfee warns me about going to suspicious websites. Both add value. Windows defender good a...
by Cruise
Tue Jun 06, 2017 12:19 am
Forum: Personal Consumer Issues
Topic: Help me choose an EXPENSIVE* red wine for a gift
Replies: 70
Views: 7898

Re: Help me choose an EXPENSIVE* red wine for a gift

neurosphere wrote:I limited my choices to Bordeax.


What would posses you to do that?
by Cruise
Mon Jun 05, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 105
Views: 6785

Re: Flying first class, business, versus economy.

I'm well over lifetime one million paid miles (mostly economy, but much of it upgraded) and probably over .5 million award miles (the vast majority in international F space). After so much time in economy over decades of travel, you could not pay me to travel in Y. Even on 20 minute flights. Of cour...
by Cruise
Sun Jun 04, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Preferred
Replies: 11
Views: 1503

Re: Chase Sapphire Preferred

I had great luck with the UR booking through Chase. We got 150,000 points for the 100,000 point award. The prices for hotels in France were at or below other travel sites. Ended up with 9 nights in great hotels for the points awarded. I was very pleased, in fact might even keep it when renewal come...
by Cruise
Fri Jun 02, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Senility: How do you plan on protecting your money when you lose your mental capacities?
Replies: 72
Views: 5788

Re: Senility: How do you plan on protecting your money when you lose your mental capacities?

We recently sent an email to our children and their spouses where we discussed that we were in good financial and mental shape, that we would begin gifting some of their future inheritance early next year and that we wanted to meet with them to discuss how they could monitor our ability to manage o...
by Cruise
Wed May 31, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Senility: How do you plan on protecting your money when you lose your mental capacities?
Replies: 72
Views: 5788

Re: Senility and Seductresses: How do you plan on protecting your money when you lose your mental capacities?

We have no children and family is not going to be an adequate resource for us. Ages 61 and 56 now. In no particular order, our plans - Do everything possible to maintain and grow mental capacities - significant physical and mental exercise, social interaction, maintain health to best of our abiliti...
by Cruise
Mon May 29, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: HR Experts- is a PHR/SPHR worth it?
Replies: 7
Views: 585

Re: HR Experts- is a PHR/SPHR worth it?

My world was peripheral to PHR/SPHR. Like most certifications and advanced degrees, the credential is an easy way for those who don't know you to judge your capabilities/experience. This is important when you are seeking new employment and when companies downsize. Seeking/obtaining certifications bo...
by Cruise
Sun May 28, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: millennials considering purchase of a dentist practice
Replies: 27
Views: 3494

Re: millennials considering purchase of a dentist practice

Hello, OP: Any update on your wife's situation?
by Cruise
Sun May 28, 2017 12:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 46
Views: 4276

Re: Online group meetings via web conference? [Virtual online chapter]

Osprey wrote:I am interested in a virtual group, great idea for those of us not near local chapters!


+1
by Cruise
Sun May 28, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Third-party travel insurance, anyone?
Replies: 34
Views: 1967

Re: Third-party travel insurance, anyone?

For those of you thinking that your Chase Sapphire Reserve (or other CC ) is a substitute for third-party trip insurance, you should spend some time on Flyertalk, where there are constant complaints about coverage and hassles getting paid on claims. I am not sure collecting is ever easy no matter t...
by Cruise
Sun May 28, 2017 4:34 am
Forum: Personal Finance (Not Investing)
Topic: Third-party travel insurance, anyone?
Replies: 34
Views: 1967

Re: Third-party travel insurance, anyone?

For those of you thinking that your Chase Sapphire Reserve (or other CC ) is a substitute for third-party trip insurance, you should spend some time on Flyertalk, where there are constant complaints about coverage and hassles getting paid on claims.
by Cruise
Sat May 27, 2017 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Third-party travel insurance, anyone?
Replies: 34
Views: 1967

Re: Third-party travel insurance, anyone?

I have used Allianz for travel insurance: https://www.allianztravelinsurance.com/ Never had to file a claim, but in the years that I have used it, the staff I speak with seem competent. On Cruisecritic, several people rave about tripinsurancestore. I have no idea whether these are family members rav...
by Cruise
Tue May 23, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: Need advice from FF miles experts
Replies: 25
Views: 2123

Re: Need advice from FF miles experts

I just searched for a one-way business-class ticket to a European destination, and it priced at $7750 or 60K miles (a value of 12.9 cents per mile). Whether or not your 70k for $620 tickets is one-way or roundtrip, you are getting nowhere near that redemption value. You are getting 0.89 cents per m...
by Cruise
Tue May 23, 2017 1:50 am
Forum: Personal Consumer Issues
Topic: Need advice from FF miles experts
Replies: 25
Views: 2123

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: 1579

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: 114
Views: 14964

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: 3442

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: 2709

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: 3442

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... [real estate investments]
Replies: 82
Views: 10466

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: 227
Views: 34846

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: 227
Views: 34846

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: 227
Views: 34846

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: 2006

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: 1840

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: 1840

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: 1840

Re: Adjustable Target Life Ins

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