Search found 173 matches

by Capsu78
Fri Nov 03, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 91
Views: 7721

Re: Should I decline Grand Prize trip because of taxes on winnings?

It's a lot of fun getting behind the scenes of these types of events. But I would not spend a penny until I saw some actual travel arrangements that I could verify myself. Said above but vet the sponsoring organization to make doubly sure they are legit. As an aside, I worked in direct mail for a Bt...
by Capsu78
Fri Oct 27, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Chimney Relining Estimate
Replies: 3
Views: 302

Re: Chimney Relining Estimate

Every year my chimney sweep company wanted to put a liner in my hot water flue that shares my wood burning fireplace flue. The price estimate done several times was between $1500 and $1700. Your work order looks like more is involved, particularly tying it all back together. The estimate does not sh...
by Capsu78
Mon Oct 23, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3055
Views: 902134

Re: What Movie Have You Recently Watched?

Watched "Taking Chance" with Kevin Bacon as it was in the news last week. I didn't make it through the trailer without a tissue so be sure to break out a full box if you are watching with your SO.
by Capsu78
Mon Oct 09, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Greek Islands Cruise Excursions
Replies: 9
Views: 904

Re: Greek Islands Cruise Excursions

Go check out Cruise Critic and search for your cruise roll call, which often has people looking to group up for private tours of 6-12 people.
It's were I found all my tours. I particularly endorse this company in Santorini, but there are many fine outfits. : http://www.santotour.com
by Capsu78
Mon Oct 09, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3055
Views: 902134

Re: What Movie Have You Recently Watched?

Death of Stalin release date is later this month.
by Capsu78
Fri Oct 06, 2017 5:54 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3055
Views: 902134

Re: What Movie Have You Recently Watched?

Watched 2 this week- First up "The Dinner" which I know several posters had good things to say about. Assumed DW and I would really like, she being a long time Gere fan with a clause in our marriage contract that she has permission to leave me for him, and I liking past performances of a number of o...
by Capsu78
Tue Oct 03, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Two Nights in Quebec City - Must See Suggestions, anyone?
Replies: 16
Views: 1274

Re: Two Nights in Quebec City - Must See Suggestions, anyone?

We're already booked at Hotel Port Royal. The Chateau Frontenac looks fantastic, but is over budget for us. Thanks for the suggestion to all those who mentioned it. Maybe we'll go there for a drink, though! [/quote] They also offer a tour which we found interesting enough to recommend...some interes...
by Capsu78
Mon Oct 02, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: Two Nights in Quebec City - Must See Suggestions, anyone?
Replies: 16
Views: 1274

Re: Two Nights in Quebec City - Must See Suggestions, anyone?

As you only have two nights I would stick to the old town area. The citadel and the Plains of Abraham can be explored in half a day. Check out the Chateau Frontenac as well which is close by. Be sure to ride the funicular too. We also did a walking food tour which was an enjoyable way to spend a fe...
by Capsu78
Fri Sep 29, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: 3 stages of Financial Independence
Replies: 63
Views: 7249

Re: 3 stages of Financial Independence

Agree these are good descriptions. I describe #3 with a ceiling applied: We can buy pretty much anything we want, but not everything we want.
by Capsu78
Fri Sep 29, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: How should I should allocate my inheritance
Replies: 17
Views: 1822

Re: How should I should allocate my inheritance

Vegas Baby!
No, just kidding, follow advice above :-)
by Capsu78
Fri Sep 22, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Help with Airline Transfer in Paris (CDG)
Replies: 13
Views: 1319

Re: Help with Airline Transfer in Paris (CDG)

Note that CDG often comes in top place on the "worlds most hated airports" list... even the French hate it for the most part! I certainly remember how uncomfortable it was. The roof of the departure gate area was glass, which might be fine from a visual perspective but it had the effect of turning ...
by Capsu78
Wed Sep 20, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Help with Airline Transfer in Paris (CDG)
Replies: 13
Views: 1319

Re: Help with Airline Transfer in Paris (CDG)

Note that CDG often comes in top place on the "worlds most hated airports" list... even the French hate it for the most part!
by Capsu78
Mon Sep 18, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 70
Views: 6193

Re: Getting over emotional attachment to house

Take a couple hundred photos of your house. Print them and put them in a book on the coffee table in the new house in Palm Springs. Flip through it often. Put it away when you no longer find yourself flipping through it. :wink: Nostalgia is powerful. This advise is the winner of "closest to the hol...
by Capsu78
Fri Sep 15, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: The true cost of Luxury
Replies: 32
Views: 3878

Re: The true cost of Luxury

We have reached a point in international travel that we have stopped buying tourist items, but I am always on the lookout for one item, made in country that I both like and can afford. In Norway this summer I found a wool ski hat, branded with Norwegian flag and having all the right markings as well...
by Capsu78
Tue Aug 29, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Possible January trip to Naples, Italy / Amalfi Coast
Replies: 37
Views: 2736

Re: Possible January trip to Naples, Italy / Amalfi Coast

Lots of good info, but let me add my preference- I wouldn't stay in Naples but rather Sorrento as a base for everything you want to do in Naples via train and as a base for the rest of the Amalfi coast. We used the Hoho bus for the coast ride which puts you up both high and scary on some of those na...
by Capsu78
Tue Aug 29, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Driving a car [in] Italy, any suggestion?
Replies: 47
Views: 3350

Re: Driving a car Italy, any suggestion?

I would rent the car outside of Rome. I wouldn't drive there and I have logged over a million miles in my driving life. In the country and Sicily is less of a problem. It's always fast in the fast lane; However, in the slow lane, you have to keep a close eye ahead of you for overloaded trucks, tract...
by Capsu78
Wed Aug 16, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 44
Views: 3664

Re: What kind of hotel do you get on business travel?

I've done everything from Motel 6 (and even no name motels) to the Royal Hawaiian on Oahu, the Clevelander on Miami Beach or even Disney properties- depending on the business needs. As I did a bunch of conferences, I always tried to stay in a conference hotel, due to the possibility to meet clients ...
by Capsu78
Sat Jul 29, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Italy in August Trip (Rome, Florence, Venice)
Replies: 43
Views: 2934

Re: Italy in August Trip (Rome, Florence, Venice)

Regarding Venice, my experience has been that people either love it or hate it. I loved it. 2 things I would recommend there aside from the expected: 1) get up very early in the AM, 5:30 - 6:00 timeframe and walk the streets. There will be no tourists, St. Mark's square will be empty and the canals...
by Capsu78
Sat Jul 29, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: Extended Globus Europe Tour - Thoughts?
Replies: 18
Views: 1910

Re: Extended Globus Europe Tour - Thoughts?

I would read every TripAdvisor review from similar Globus tours to look for red flags as to things you would like or have a problem with. I do think you need that many days to see that many places .. it is well planned out and they certainly handle a lot of details for you (Pro) A few "cons" I can t...
by Capsu78
Fri Jul 28, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Italy in August Trip (Rome, Florence, Venice)
Replies: 43
Views: 2934

Re: Italy in August Trip (Rome, Florence, Venice)

Yes, the air conditioning most Americans consider "standard" is rarely found in Italy and all of Europe based on the comparatively high costs of electricity in the EU...not a complaint, I love Europe, just a fact. You will also not be served much ice in your drinks for the same reason. I have found,...
by Capsu78
Fri Jul 28, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Excess Rental Car Insurance in Europe
Replies: 16
Views: 1399

Re: Excess Rental Car Insurance in Europe

Just rented a car in Norway earlier this month, with the help of my Norwegian speaking family member. While waiting, I observed an endless transaction between a French couple and the Norwegian rental agent going over the back and forth of options, toll passes and insurance. At one point, at least 30...
by Capsu78
Tue Jul 25, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Italy in August Trip (Rome, Florence, Venice)
Replies: 43
Views: 2934

Re: Italy in August Trip (Rome, Florence, Venice)

When I climbed St Peters, it was off season (March) with light crowds and temps in the 50's... I wouldn't consider climbing one on a crowded or hot day. There is no turning back.
by Capsu78
Tue Jul 25, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Italy in August Trip (Rome, Florence, Venice)
Replies: 43
Views: 2934

Re: Italy in August Trip (Rome, Florence, Venice)

On the topic of pick pockets, I have real experiences having been picked by magic tricks twice last year -Athens (not unexpected) and Tokyo (very unexpected). My best practices now are to leave my regular wallet at home, taking only a couple of strategic cards and spreading them out between my wife ...
by Capsu78
Tue Jun 27, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Insurance Company: "Why do you need so much coverage?"
Replies: 18
Views: 1945

Re: Insurance Company: "Why do you need so much coverage?"

I 'll just toss in what I heard in a conversation with my agent. I was wondering if I had "enough/not enough" of an umbrella considering net worth etc. She immediately went into pitch mode because she thought I was thinking about cancelling my existing coverage- she said "...best value in all of ins...
by Capsu78
Thu Jun 22, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 21209

Re: Siblings in disagreement over mom's house.

As soon as the insurance is in place, you will be free to start "cheering" for hurricanes lining up in this houses alley.
by Capsu78
Wed Jun 21, 2017 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall inheritance and new home
Replies: 20
Views: 1959

Re: Windfall inheritance and new home

Being that you are not that far from being empty nesters, I would have zero problem with buying any ranch in any location that makes you happy. As a 34 year home owner, my cut off point to determine if its "too much house" is when I start seeing "double" HVAC and other home essentials... If 1 A/C un...
by Capsu78
Mon Jun 19, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Septic Pumping - Did I get ripped off?
Replies: 50
Views: 5354

Re: Septic Pumping - Did I get ripped off?

$245 for 1000 gallon tank, all in, a month ago in Chicago NW suburbs. I do it every other year, during a weather agreeable month as a failed septic system is not a cheap or easy fix. I remember when the price was around $150, but someone came into the area and bought up all the independent little gu...
by Capsu78
Mon Jun 19, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: New Septic System for my Parents
Replies: 10
Views: 1034

Re: New Septic System for my Parents

The first thing I would research is what their municipality has in it's regulations regarding replacing septic systems. My village is very specific on what can and can not be done.
If you are replacing an existing "failed" system, the regs are fairly onerous.
by Capsu78
Sat Jun 17, 2017 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Drawdown during retirement
Replies: 15
Views: 2398

Re: Drawdown during retirement

"...if one of you survives the other."

That has been a big question in my household for going on 33 years now!
by Capsu78
Tue Jun 13, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Any advice on buying headstone for a grave?
Replies: 22
Views: 2090

Re: Any advice on buying headstone for a grave?

Yes, this certainly qualifies for my "most useless information" tidbit today (the phrase hurled "lovingly" toward me by my immediate family members!).
Honestly, I don't want to be learning this info on the day I actually need it.
by Capsu78
Thu Jun 08, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Headed to Montreal tomorrow! Need advice!
Replies: 11
Views: 1009

Re: Headed to Montreal tomorrow! Need advice!

I hope you made it to the track today (Thursday) as it is typically the "walk around the pits" experience that was as fun as watching the race itself IMHO. They shuttlebus you around the length of the track and drop you off up close to the cars. Great photo ops!
by Capsu78
Thu May 18, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Life's big ticket items to save for
Replies: 37
Views: 3599

Re: Life's big ticket items to save for

imperio,
One of the largest expenses neglected is the cost of an ex-spouse! Do all you can to keep that from not happening...
by Capsu78
Mon May 15, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: staying the course (goals met but rolling backwards)
Replies: 18
Views: 1284

Re: staying the course (goals met but rolling backwards)

" I just don't think she'd like the constraints a single income provides and I don't think she's really being honest about it. Other than not working and continuing status quo which is not possible. "

She needs to come to that conclusion herself...
by Capsu78
Mon May 15, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: staying the course (goals met but rolling backwards)
Replies: 18
Views: 1284

Re: staying the course (goals met but rolling backwards)

l would search for a less loaded term than "selfish" to frame things up since relationship is considered a more important concept than financial independence by many smarter folks than I. I would maybe talk with her about the concept of "enough" and what that means to the 2 of you. What does it take...
by Capsu78
Mon May 15, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Pre-retirement Advice Requested
Replies: 18
Views: 1908

Re: Pre-retirement Advice Requested

In a similar place which I call 'Pretired"...I am done working while my wife keeps working her executive level position. I won't consider it "retirement" until she stops earning and we stop "accumulating". I found my no fee CFP useful and found him here: http://www.feeonlynetwork.com/ Two rounds of ...
by Capsu78
Thu May 11, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Trip to South Africa in November - Advice
Replies: 24
Views: 1943

Re: Trip to South Africa in November - Advice

Research Wine country near Capetown- nicer and more affordable than Napa IMHO (if that is your thing) Research Kruger National Park and figure a way of being there! Note that "Going to Africa for Safari" is a very versatile concept, based on region, time of year and desire to "go native". Its a litt...
by Capsu78
Thu May 04, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 3757

Re: Visiting Paris for 8 days - what to do?

Not that the kids would be interested specifically, but finding Jim Morrisons grave in Paris is one of the coolest and most memorable freebie's I did in Paris. The graveyard could come right out of Central Casting at Disney for it creepy factor!
by Capsu78
Thu May 04, 2017 6:33 pm
Forum: Personal Consumer Issues
Topic: Atlanta teppanyaki
Replies: 9
Views: 1217

Re: Atlanta teppanyaki

My experiences with Georgia involving Japanese cuisine is that it is regarded as "bait".
by Capsu78
Thu May 04, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: 2-3 days around Nice, France. Advice?
Replies: 9
Views: 873

Re: 2-3 days around Nice, France. Advice?

I have spent more than a week in Nice and barely scratched my to do list. I would consider a day in Nice, a day trip to St Tropez on the train and another day in Monoco, again by train. Nice has the promenade as well as a great "Old Town" to explore. It never felt crowded to me and I was their late ...
by Capsu78
Wed May 03, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: How quick is too quick for a job offer?
Replies: 29
Views: 3839

Re: How quick is too quick for a job offer?

I would also not red flag on "speed/ efficiency" issues because it is a Regional Sales Manager position. It costs real revenue when those positions go open for lengths of time. It is also possible the HR team is rushing to beat the clock on an perceived upcoming "hiring freeze" and want to get the p...
by Capsu78
Wed May 03, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Looking for reqistered inv. advisor in Raleigh, NC area
Replies: 3
Views: 342

Re: Looking for reqistered inv. advisor in Raleigh, NC area

I found my guy using this tool and he meets all of the above stated criteria:

http://www.feeonlynetwork.com/
by Capsu78
Mon May 01, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Bus tour recommendations for Banff
Replies: 1
Views: 386

Re: Bus tour recommendations for Banff

I have used Viator now for 3 tours in different parts of the world and found them all to be very professionally done- still 3rd party but prices are the same as direct vendors in my experience.
https://www.viator.com/Banff/d611-ttd
by Capsu78
Wed Apr 19, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Stock option exercisability question
Replies: 19
Views: 1499

Re: Stock option exercisability question

Assuming you are leaving for a new employer, you could have used the SO as a negotiation point. DW was leaving low 6 figures of RSU's to take a new position. Told them what she was leaving behind and the new employer agreed to grant her shares in the new company in a like value to make her whole.
by Capsu78
Tue Apr 18, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Cabo San Lucas ?
Replies: 13
Views: 1725

Re: Cabo San Lucas ?

FYI, there is a huge Costco, Walmart and Home Depot right off the highway on the way into Cabo, so one small piece of "happy advice" is don't feel the need to haul "everything but the kitchen sink" in your suitcase... some of the handiest shopping near a major resort I have found anywhere in the wor...
by Capsu78
Tue Apr 18, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: Cabo San Lucas ?
Replies: 13
Views: 1725

Re: Cabo San Lucas ?

Not to be a downer but the highway from the airport between San Jose and Cabo downtown is a bit of a blood alley and in the 3 times I have been there, there has been a major fatal accident involving tourists on this road. We had 7 fatalities between 2 vehicles right in front of our exit from the hig...
by Capsu78
Tue Apr 18, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes- okay to just drop in the mail today??
Replies: 29
Views: 3623

Re: Taxes- okay to just drop in the mail today??

My guy gets my w2 wife and my 1099 self in and out in 55 minutes every year for the past 15- including watching it transfer to the IRS and state. Now, benefit of many self populating screens from prior years and I am pretty OCD about having everything we need but I couldn't stand waiting until near ...
by Capsu78
Tue Apr 18, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: How to make best use of lunch with the company president/CEO?
Replies: 55
Views: 6467

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

My favorite "breakfast with the CEO" memory was when the CEO was discussing growth opportunities (in our stagnant, declining, buggy whip industry). He offered up some wisdom " If we could find a way to sell every person in China just one fork, we would wildly exceed all the shareholders expectations...
by Capsu78
Tue Apr 18, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 15438

Re: Too much inheritance to handle. Advice needed

"Email should be good, but it can't hurt to follow up with a piece of paper sent by registered mail." Not "registered"- that USPS level of service is what you use if something can't be replaced (watch, stock certificate etc) It tracks chain of custody through the USPS. What you want to use is "Certi...
by Capsu78
Mon Apr 17, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Employer Being "Bought Out" By Another Company
Replies: 11
Views: 1300

Re: Employer Being "Bought Out" By Another Company

It can range from "...didn't notice the difference past getting new business cards" to "hell on wheels".
Best advice I used was to "embrace the change... If you don't like change, you almost certainly will not like the alternative".
by Capsu78
Sat Apr 15, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: My kids don't care about saving
Replies: 114
Views: 12735

Re: My kids don't care about saving

I have told my adult children either we will leave them with equal shares of our estate, or they can see their inheritance in action with a large charitable donation to The Donkey Sanctuary- they will be permitted free lifetime rides. They laughed amongst themselves until they found out it is a legi...