Search found 223 matches

by Cruise
Sun Apr 23, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 24
Views: 1229

Re: Alaska cruise advice

tibbitts wrote:You should take an HAL 14-day HAL roundtrip. Now you just have to choose the date.


Yes. But make it one of the dedicated 14-day itineraries, not b2b 7-day ones.
by Cruise
Sun Apr 23, 2017 1:32 am
Forum: Personal Consumer Issues
Topic: Booking united award tickets with 2 accounts
Replies: 13
Views: 1270

Re: Booking united award tickets with 2 accounts

OP: Ever hear of Flyertalk.com? It is the BH of travel, with a very active UA thread.
by Cruise
Sun Apr 23, 2017 1:23 am
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 24
Views: 1229

Re: Alaska cruise advice

OP: We have been to Alaska on both HA and Celebrity. Each line has its pluses and minuses. Celebrity tends to have a younger crowd compared to HA Sitka over Skagway, but only because we had a fantastic semi-private whale=watching excursion and have seen better railway vistas in Norway compared to th...
by Cruise
Sat Apr 22, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 216
Views: 28966

Re: Chase Sapphire Reserve

Back in January I posted about the card asking questions. My wife got the card, and has been using it for work where she travels and does an overnight once every week or two for work. We have been racking up the points using this card, and really love the card! We have found great deals on car rent...
by Cruise
Fri Apr 21, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 98
Views: 8484

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

Which brings me to the question: why is it bad to say something negative about a boss? Your question really falls under the more global heading "Why is it bad to say negative things?" And the answer is that a person's likability is directly related to how upbeat and positive are their com...
by Cruise
Thu Apr 20, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 1634

Re: Should I purchase Apple Care for my new Apple Watch?

[ I ended up with a free Apple Watch Series 1 after a series of shipping delays this Christmas. Target just said "keep it free" once it finally arrived. I was on the fence and planned to try, explore, and maybe return it. Since I paid $0 for the watch, it seemed like a bargain to get Appl...
by Cruise
Wed Apr 19, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Bill received after Estate is closed
Replies: 55
Views: 4836

Re: Bill received after Estate is closed

OP: This is all about whether you want to keep your relationship with your attorney. Attorney's have a professional responsibility (ethics requirement that is delineated by the bar) to have a written contract. Failure to have that contract in place exposes them to disciplinary sanctions if you care ...
by Cruise
Wed Apr 19, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: How to make best use of lunch with the company president/CEO?
Replies: 55
Views: 4890

Re: How to make best use of lunch with the company president/CEO?

Some thoughts on meeting the Big Boss: This is your opportunity to have an impression formed. Positive impressions are likely to be formed if you: 1. Dress neatly and within the normative range for the organization. 2. Make sure you are well-groomed. 3. Display critical thinking skills (not criticis...
by Cruise
Wed Apr 19, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 1634

Re: Should I purchase Apple Care for my new Apple Watch?

Thanks all for your thoughts. I checked with my CSR card plan and found that accidental damage would be covered for 120 days. The regular Apple warranty just covers manufacturer's defects over a one-year period, and the CSR doubles that. So basically, the Apple Care will give me 20 months of added a...
by Cruise
Wed Apr 19, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 1634

Re: Should I purchase Apple Care for my new Apple Watch?

jdb wrote:My advice is skip the warranty but be careful of your subconscious impulses when series 3 arrives. Good luck.


LOL!
by Cruise
Wed Apr 19, 2017 2:43 am
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 1634

Should I purchase Apple Care for my new Apple Watch?

I just purchased a Series 2 watch, and while at the store, I decided against purchasing the Apple Care protection. I am now rethinking this.

Does anyone have real world experience with the Apple Watch, and whether the Apple Care is a good expenditure?

Many thanks!
by Cruise
Mon Apr 17, 2017 2:42 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide pension benefits, single life, 50%, 75% and/or 100% survival benefits
Replies: 41
Views: 2465

Re: Help me decide pension benefits, single life, 50%, 75% and/or 100% survival benefits

For us it was a no-brainer. 100% option. We didn't even consider the other options. For us it had nothing to do with the math. We did a risk assessment. You can calculate all the longevity estimates you can imagine, but one outlier event, one accident, one illness, one unexpected anything, and all ...
by Cruise
Fri Apr 14, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: Anyone else decided not to finish med school?
Replies: 55
Views: 5777

Re: Anyone else decided not to finish med school?

Both his parents and I have no doubts he'll be successful in some other endeavor (he has already found another job, so its not about paying the bills), but it might help to be able to relate other experiences. Unhappy medical and legal professionals contribute to high suicide rates. The son appears...
by Cruise
Wed Apr 12, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 133
Views: 8892

Re: Ordering a Weber grill this week

Corrosion from rust IS covered, but they aren't going to give you a new grill from some surface rust that you can wipe away. If your grill has corrosion, contact Weber. If it's surface rust, clean your grill every once and a while. Depending on where you live and how you keep it, nothing remains en...
by Cruise
Wed Apr 12, 2017 1:08 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 133
Views: 8892

Re: Ordering a Weber grill this week

If I could do it again, I'd absolutely buy the upgraded version with the side burner and sear station. I hadn't appreciated this when I had an older grill that I used less, but I almost always have a side going on a skillet on the stove while I'm grilling, and it's usually something like sauteed ve...
by Cruise
Wed Apr 12, 2017 1:06 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 133
Views: 8892

Re: Ordering a Weber grill this week

Corrosion from rust IS covered, but they aren't going to give you a new grill from some surface rust that you can wipe away. If your grill has corrosion, contact Weber. If it's surface rust, clean your grill every once and a while. Depending on where you live and how you keep it, nothing remains en...
by Cruise
Tue Apr 11, 2017 2:07 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 133
Views: 8892

Re: Ordering a Weber grill this week

Pretty set on a Weber Genesis, but not sure if I should go with the older model E-330 or the brand new Genesis II E-310. The 330 is $100 more at $799, but has a side burner (which will get light use) and a sear burner (which I've never had, but sounds awesome). It also has a closed cabinet design, ...
by Cruise
Mon Apr 10, 2017 1:11 am
Forum: Personal Consumer Issues
Topic: Planning Scandinavia trip
Replies: 18
Views: 1175

Re: Planning Scandinavia trip

Much better, but you sure you want to short Norway in order to spend so much time in Copenhagen and Stockholm? They are both fine cities, but they are not beautiful like Norway.
by Cruise
Sun Apr 09, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Planning Scandinavia trip
Replies: 18
Views: 1175

Re: Planning Scandinavia trip

I think you are trying to do too much on this very short trip. Since your flights are fixed and you want to maximize Stockholm time, I would cut out Copenhagen and split your time evenly between Stockholm and Olso. Random dates in June roundtrip Stockholm-Oslo were $111-$148 depending on carrier. Fo...
by Cruise
Sat Apr 08, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: National Gepgraphic DNA test - anything new?
Replies: 5
Views: 727

Re: National Gepgraphic DNA test - anything new?

OP: I've done Geno 2.0, and very happy with results. If one is a male (or a female who submits a brother's or father's DNA) one gets separate information about maternal and paternal "Deep Ancestry." In addition to that, you get your Regional Ancestry totals. For me, the entire package was ...
by Cruise
Fri Apr 07, 2017 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: How many financial secrets?
Replies: 58
Views: 5429

Re: How many financial secrets?

That sounds just like us. My wife want to know what's going on, but by the end of my 20-page powerpoint on the family finances her eyes have glazed over. I chucked at this one. I thought I was the only one to develop a Powerpoint for my wife, who happens to be a very sophisticated analyzer of data....
by Cruise
Fri Apr 07, 2017 3:04 am
Forum: Personal Finance (Not Investing)
Topic: Claiming Social Security
Replies: 7
Views: 846

Re: Claiming Social Security

The best strategy comes from understanding of your present circumstances and an articulation of your goals. For example, will your family need the income that your wife can realize from social security when she turns 62? What is the health history of your families, and the current health of you and ...
by Cruise
Thu Apr 06, 2017 1:58 am
Forum: Personal Consumer Issues
Topic: How best to handle disrespectful employee?
Replies: 40
Views: 3470

Re: How best to handle disrespectful employee?

OP: Do you not have an HR resource with whom you can consult? I would hope that he/she has better insights on what would work that random people on an internet blog, no matter how brilliant we are....:)
by Cruise
Wed Apr 05, 2017 2:26 am
Forum: Personal Consumer Issues
Topic: China Trip - Visa Expediter?
Replies: 26
Views: 1342

Re: China Trip - Visa Expediter?

Also used CIBT for China. No surprises...
by Cruise
Wed Apr 05, 2017 2:11 am
Forum: Personal Finance (Not Investing)
Topic: Conflict of Interest at work - could I get fired?
Replies: 21
Views: 2980

Re: Conflict of Interest at work - could I get fired?

OP: One more story here, married relatives who worked for Honda and Toyota. The kept their marriage, jobs, and early retirement.
by Cruise
Mon Apr 03, 2017 2:08 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23290

Re: Low-earners- What is your profession?

Grad student research scientist -- $36,000. I do computational math. I probably make substantially less than i will in several years. I doubt I will ever be a truly high earner. Are you interested in being a high earner? If so, there is a pathway for you. Get your Ph.D. and find a business that nee...
by Cruise
Mon Apr 03, 2017 1:42 am
Forum: Personal Consumer Issues
Topic: Screwed over by the airlines...
Replies: 42
Views: 4741

Re: Screwed over by the airlines...

I think you will find that the CSR trip interruption insurance may pay in this instance.
by Cruise
Sat Apr 01, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 8431

Re: What career helped you become wealthy?

A professor in one of my first-year graduate school classes told us that in order to really have an impact, one has to have specialties in two disciplines. I ended up developing expertise spanning three disciplines, and leveraged that into a very nice and boutique consulting business. Our family's w...
by Cruise
Thu Mar 30, 2017 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Moving money between countries
Replies: 14
Views: 1063

Re: Moving money between countries

https://transferwise.com/us/

I just did a sample transfer of 100K USD to Indian Rupee:
715 USD TransferWise fee (included)
64.93750 Guaranteed exchange rate
6,447,319.69 Rupee
by Cruise
Wed Mar 29, 2017 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to effectively advertise a vacant physican (M.D.) position?
Replies: 12
Views: 1123

Re: How to effectively advertise a vacant physican (M.D.) position?

Have you reached out to the Hawaii Medical Association for their advice? Also there are physician recruiters specializing in the Hawaii marketplace.
by Cruise
Tue Mar 28, 2017 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have enough? How I realized yeah I do.
Replies: 75
Views: 12106

Re: Do you have enough? How I realized yeah I do.

It was planning more than epiphany. My parents (blue collar father/clerical mother) were able to retire at 62 and 60, owing to their frugality. Age 62 became stuck in the back of my mind, thinking that if my father could do it as a blue collar guy, I could do with with multiple graduate degrees. The...
by Cruise
Sat Mar 25, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: 100% stocks w/pension?
Replies: 40
Views: 4296

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: 40
Views: 4296

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: 18246

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: 1757

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: 2969

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: 807

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: 9987

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: 510

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: 876

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: 5894

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: 2396

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: 5181

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: 4333

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: 3219

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: 5272

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: 5302

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: 8806

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: 3404

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? ...

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