Search found 385 matches

by Cruise
Thu Dec 14, 2017 3:32 am
Forum: Personal Finance (Not Investing)
Topic: pay down mortgage or invest in taxable
Replies: 15
Views: 1414

Re: pay down mortgage or invest in taxable

The way I answer this question is this: Walk up to any guy who owns his house free and clear and ask him if he'd like to take a mortgage out on that house in order to use the money for a retirement account. I don't think anyone would say yes. Yes! OP: about 7 years ago, I. Had a windfall that I cho...
by Cruise
Thu Dec 14, 2017 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 391
Views: 54715

Re: Retirement Account Stolen by Identity theft

Glad it worked out. Too bad you had to threaten to contact a lawyer and the media to get it to work out though. Between threatening with a lawyer and media, the media is the more threatening option. Companies have tons of lawyers whose job it is to handle plaintiff's attorneys. Negative media expos...
by Cruise
Tue Dec 12, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 63
Views: 4094

Re: Ancestry / 23andMe

I have about a 2% Asian component in my DNA. That ancestry never came up in family history discussions. In discussing it with my brother, we speculated that our maternal line (I knew my maternal grandparents who both immigrated from that Western European country) came from a country that hundreds o...
by Cruise
Tue Dec 12, 2017 2:32 am
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 63
Views: 4094

Re: Ancestry / 23andMe

OP: If you are just interested in your ancestry, and not concerned about making connections with relatives, you might want to try the National Geographic Geno project.

https://genographic.nationalgeographic.com/about/
by Cruise
Sat Dec 09, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Echo Dot 2nd Gen: What do I do with this gift?
Replies: 12
Views: 1113

Re: Echo Dot 2nd Gen: What do I do with this gift?

Thank you all for your help. I now have a lot better idea of what I have in my hand!
by Cruise
Sat Dec 09, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Echo Dot 2nd Gen: What do I do with this gift?
Replies: 12
Views: 1113

Echo Dot 2nd Gen: What do I do with this gift?

Someone gifted me an Echo Dot 2nd Generation. I Googled it, and it seems that one needs an Alexa for it to be functional? I don't have Alexa, so does this Echo Dot thingy have any usefulness to me? Thank you in advance.
by Cruise
Sat Dec 09, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: Home Security Camera: Post a Warning Sign or Not?
Replies: 20
Views: 2449

Re: Home Security Camera: Post a Warning Sign or Not?

How tamper proof are the cameras? I would think a sign would just create an opportunity for bad guys to find and disable the cameras. The other random uninvited question I have is what kind of high crime area do you live in? The cameras could be stolen, but that would take considerable effort, and ...
by Cruise
Sat Dec 09, 2017 3:16 am
Forum: Personal Consumer Issues
Topic: Home Security Camera: Post a Warning Sign or Not?
Replies: 20
Views: 2449

Home Security Camera: Post a Warning Sign or Not?

My neighbor and I recently put up self-installed security cameras outside our homes. I posted a few "Video Surveillance/No Trespassing" signs, while my neighbor did not. In my mind, the signs might serve a deterrent function (bad guys see sign, so pick another house.) Obviously, my neighbor has anot...
by Cruise
Fri Dec 08, 2017 1:17 am
Forum: Personal Consumer Issues
Topic: Why are so many Chinese visiting my website?
Replies: 24
Views: 5780

Re: Why are so many Chinese visiting my website?

你很好玩。 我喜欢谷歌翻译。
by Cruise
Thu Dec 07, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Why are so many Chinese visiting my website?
Replies: 24
Views: 5780

Re: Why are so many Chinese visiting my website?

FraggleRock wrote:
Wed Dec 06, 2017 10:01 pm
我不知道.
谢谢
by Cruise
Tue Dec 05, 2017 1:35 am
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 3358

Re: Understanding the World of Credit Card "Points"

I've recently become aware that there is a whole world of credit card points out there. Yes, I was vaguely aware of this, but I ignored it completely - just didn't have time to deal with it. There are levels of dealing with cc points/miles. One can get involved in cc signup bonuses, or just get a c...
by Cruise
Mon Dec 04, 2017 1:36 am
Forum: Personal Consumer Issues
Topic: Should I consider a travel Credit Card?
Replies: 30
Views: 2129

Re: I just got 2 travel cards

2. AMEX Platinum card at $550/yr a. Earn 60,000 Membership Rewards (I got an upgrade offer move up from Green) after you spend $5,000 within the first 3 months of Card b. 5x points for travel booked thru Amex I plan to buy 2 business class trips to Spain in January so that means 100,000 points righ...
by Cruise
Fri Dec 01, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10341

Re: Price of haircut?

$50 for a cut including wash and blow-dry styling, plus $10 tip. I have been going to the same stylist since 1984 and go twice a year. Worth every penny. Similar. Going to same person since 1981 or 1982. $55, including tip. Go every month. Is it worth every penny? The opportunity cost of not gettin...
by Cruise
Fri Dec 01, 2017 3:53 am
Forum: Personal Consumer Issues
Topic: Should I consider a travel Credit Card?
Replies: 30
Views: 2129

Re: Should I consider a travel Credit Card?

I currently have Citi Double cash back card that gives 2% on everything. I uses it for almost all kind of purchases. My DW is an authorized user and uses it as well. Our current monthly spending with the card is $800~$1200. Starting next summer, we would probably start travelling internationally to...
by Cruise
Thu Nov 30, 2017 3:40 am
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9401

Re: What did you do right?

It seems that on this thread, something like half of the replies make reference to "marry the right person". So how is this actually implemented? Is there an equivalent of John Bogle to make everything simple, or is it just dumb luck? Seems a lot more complicated than just calling up Vanguard, taki...
by Cruise
Wed Nov 29, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: Anyone have a Sony RX10?
Replies: 4
Views: 404

Re: Anyone have a Sony RX10?

I'd skip the filters Sandtrap recommended (I don't think the RX10 line has threaded barrels to accept them anyway). If it does B+W UV Pro is the cream of the crop filter wise. Best way to learn if start the manual and go page by page changing the settings and think about whether you would ever use ...
by Cruise
Wed Nov 29, 2017 1:41 am
Forum: Personal Consumer Issues
Topic: Anyone have a Sony RX10?
Replies: 4
Views: 404

Re: Anyone have a Sony RX10?

Thanks for you advice, Sandtrap ! I already got three B+W filters, a ND, Polarizer, and UV. Over the Thanksgiving holiday, played around with auto setting (mostly), aperture, and a programmed B&W mode. One of the things I need to figure out is how to get back to a default setting: Perhaps I am accid...
by Cruise
Wed Nov 29, 2017 1:01 am
Forum: Personal Consumer Issues
Topic: Anyone have a Sony RX10?
Replies: 4
Views: 404

Anyone have a Sony RX10?

I just got a Sony RX10-III, and boy is it a complicated instrument!

Anyone here master this camera or a similar one? How did you do it? (I've been experimenting with it, and keep learning more each day I use it :) )

Many thanks!
by Cruise
Wed Nov 29, 2017 12:49 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11159

Re: After financial independence, do you lose motivation for work?

When I hit my number, I knew it was time to retire. In my case, the number was 62. For a long time, my goal was to retire at the age when my father retired (62), and I sold my business at 61, knowing that there would be a transition period. Theoretically, financial independence came years before. It...
by Cruise
Tue Nov 28, 2017 1:47 am
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9401

Re: What did you do right?

Right Choices: -As an undergrad, studying when others partied or protested. -Having a vision of my future profession which became a reality because of great planning. It is all in the details. -Getting my Ph.D., and then my MBA, -Marrying a woman who could have been an international model, but inste...
by Cruise
Sun Nov 26, 2017 1:40 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9401

Re: What did you do right?

Mr.BB wrote:
Sun Nov 26, 2017 1:30 pm

Joined the three comma club
Anyone have a clue about how many billionaires contribute to bogleheads?
by Cruise
Thu Nov 23, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 9227

Re: Regrets for taking SS at 62 or waiting?

No regrets. I invest my payments, and the market has been good. My spouse, three years older, upon turning 66, is using my spousal benefit, and getting 50% of my full benefit.(So, we are getting 125% or so of my benefit). This money is used to offest our high vacation costs. Meanwhile, when spouse r...
by Cruise
Mon Nov 20, 2017 3:14 am
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 5798

Re: How much do you budget for vacation?

Our Budget/Reality: Depends on the accounting method used. We often pay for a cruise in year one for year two: Where to allocate the expense? For this year, we spent about 14% of gross om travel. However; if the numerator includes what we prepaid for a trip next year, we spent 31%. However, this per...
by Cruise
Thu Nov 16, 2017 2:25 am
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16831

Re: Flying first class, business, versus economy.

I put in ORD-CDG using 1/9-1/16 and it was $2600 for business and $380 for economy. So I guess it depends when you go. I did +-3 days to see if it changed much and $2600 was the cheapest business and $380 was the cheapest economy. First class had $7054 as the cheapest. I used Kayak to search. We te...
by Cruise
Tue Nov 14, 2017 3:34 am
Forum: Personal Finance (Not Investing)
Topic: Borrowing from parents - what interest rate?
Replies: 52
Views: 3706

Re: Borrowing from parents - what interest rate?

Call three local financial institutions and find out their rate for home loans. Use the average as your interest rate.
by Cruise
Sun Nov 12, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16831

Re: Flying first class, business, versus economy.

Curious about how many of the people that are willing to spend thousands more on a seat would be willing to buy a 5k watch? :) Choosing to fly anything other than economy is going to show the split in bogleheads between the high earners for whom spending a couple thousand bucks is reasonable and th...
by Cruise
Sat Nov 11, 2017 3:52 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 9396

Re: Thouhgts about wearing a "uniform"/same thing everyday?

OP: Everyone has a brand, a schema by which they are known. Do you really want your brand to be associated with a lack of fashion sense and eccentricity? Wouldn’t you rather be known as the smart/creative/reliable/<insert here> coworker/subordinate/ prospective promotee?
by Cruise
Fri Nov 10, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16831

Re: Flying first class, business, versus economy.

For those of you who don't mind economy or don't value premium cabins, you can probably skip this post... My history includes somewhere over 1.5 million paid miles in the sky, split between 30 min flights and 10+ hour flights. During the accumulation phase of my life, we never paid for a business- o...
by Cruise
Thu Nov 09, 2017 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning and Suggestions Needed
Replies: 5
Views: 651

Re: Retirement Planning and Suggestions Needed

OP: Why do you want to buy your house for cash? While that might be a goal if you already have cash lying around, you probably make more in investments than you pay in mortgage interest. This is especially true if you can invest in qualified accounts and also benefit from a mortgage interest deducti...
by Cruise
Thu Nov 09, 2017 3:52 am
Forum: Personal Consumer Issues
Topic: What is the story with the Apple iWatch Series 3?
Replies: 26
Views: 1996

Re: What is the story with the Apple iWatch Series 3?

OP: I have a heart rhythm disorder and the iwatch helps tremendously to monitor my condition. I wear the watch 24/7 except for the hour or so that it takes to charge up. Other uses: Controlling Pandora/Music. Discretely monitoring texts and emails. I use it for boarding passes at airports. All my gr...
by Cruise
Sat Nov 04, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: How do I select a good employment law attorney?
Replies: 46
Views: 2329

Re: How do I select a good labor-law attorney?

First, find an attorney who only practices employment law and specializes in representing employees. Second, call your state Bar Aoociation to get a list. Third, Check with the Disciplinary Counsel’s Office to make sure the attorney is reputable.
by Cruise
Sat Nov 04, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 7748

Re: Does Retirement Make You Lazier?

I'm semi-retired. I began working three days a week starting last year and laziness has crept into me. When I was working full time, I came home and worked around the house most evenings and in the yard every weekend. Now I don't want to take the lawnmower out of the garage anymore, I've hired peop...
by Cruise
Thu Nov 02, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Retirees: which websites do you spend the most time on?
Replies: 33
Views: 5889

Re: Retirees: which websites do you spend the most time on?

Flyertalk.com. Forums on.... Everything about flying/traveling from destination information, transiting issues at airports, seat location questions, hotel options and room location suggestions, credit card uuseage and mileage/points info, cruise info, etc. I have saved thousands of dollars with info...
by Cruise
Tue Oct 31, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Invalid airline ticket, seeking reimbursement
Replies: 36
Views: 3039

Re: Invalid airline ticket, seeking reimbursement

+1 re flyertalk.com. They have fora on chargebacks, Expedia, and every airline. Some have company reps who monitor.
by Cruise
Mon Oct 30, 2017 3:11 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15446

Re: What was the main reason you retired?

My sister is an artist. She's doing what she loves, but she's broke. What sage advice do you have for her? I would say it was a decision that should have been better decided when she was in her youth. I have a little one and this comes up ALL the time in discussions with our friends who have kids a...
by Cruise
Sun Oct 29, 2017 4:02 am
Forum: Personal Finance (Not Investing)
Topic: What is on your Pre and/or Post Retirement Bucket List?
Replies: 23
Views: 1893

Re: What is on your Pre and/or Post Retirement Bucket List?

Our concept of front-loading travel has included traveling to further destinations first, for there are only so many decades in which 20-plus hour journeys to one’s destination is sustainable. We figure that our National Parks will be easier to visit at age 80, compared to summit Karl foreign sites ...
by Cruise
Sun Oct 29, 2017 3:42 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15446

Re: What was the main reason you retired?

When I was a young professional, I thought I would never be able to retire. As I gained financial savvy, I knew that retirement would not only be possible, but with good health, it would be well-lived. I decided to set an age at which to retire, 62, which was when my father did. As the years approac...
by Cruise
Sat Oct 28, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Accepting a Note as partial payment on business sale
Replies: 15
Views: 1054

Re: Accepting a Note as partial payment on business sale

Does anyone have experience dealing with the possibility of accepting a Note as partial payment for a business sale? We are potentially selling our business shortly and have heard and seen that many offers include partial payment from the buyer in the form of a note supplied by the current owners. ...
by Cruise
Fri Oct 27, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Income for Social Security eligibility
Replies: 4
Views: 781

Re: Income for Social Security eligibility

I'm 64 and winding down into retirement. My wife died in 2012 and I'm eligible for income under her benefits. I won't be taking SS income under my own Social Security benefits until 70. I have a consultancy (an LLC) and October is my last full month of work. In November or December I promised to ma...
by Cruise
Fri Oct 27, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 391
Views: 54715

Re: Retirement Account Stolen by Identity theft

OP: Years ago, my father's company-issued retirement heath insurance was irrevocably cancelled because he failed to make sure his payments were up-to-date. It wasn't a financial issue that caused the lapse, but the beginnings of dementia. When I found out, I contacted the company's retiree office, a...
by Cruise
Fri Oct 27, 2017 3:09 am
Forum: Personal Consumer Issues
Topic: Trip in May: Starting in Munich, Ending in Interlaken - Where to go in between?
Replies: 27
Views: 1570

Re: Trip in May: Starting in Munich, Ending in Interlaken - Where to go in between?

If you are heading to Interlaken and Zematt, do take in Crans-sur- Sierre. Also, Brienz. Near Garmisch is Lermoos, which we used as a nice base years ago. Definitely do Jungfrauhoch. Salzburg? No. Berchtesgaden? Yes. There is an interesting salt mine nearby. Can’t really go wrong in Switzerland, Aus...
by Cruise
Thu Oct 26, 2017 3:49 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 175
Views: 18294

Re: Does anyone here with net worths north of $1 mil use financial advisors?

My wife and I had dinner with another couple the other night. Talk turned to investing, and their use of a high-end firm known for their analytics. The husband, a former banker, touted their research skills. The wife kept on saying “I don’t understand why we don’t match or better the benchmarks.” I ...
by Cruise
Mon Oct 23, 2017 3:54 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 175
Views: 18294

Re: Does anyone here with net worths north of $1 mil use financial advisors?

We used to use FAs until we became sufficiently educated (both negatively and positively). I now manage our portfolio, most of which is with Fidelity. We have a Relationhip Manager there who helps us get access to services and information. No fees. We also have a savvy CPA, who is expensive, but has...
by Cruise
Thu Oct 19, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 391
Views: 54715

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: 391
Views: 54715

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: 4275

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: 4275

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: 106
Views: 20146

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: 1420

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...