Search found 193 matches

by Capsu78
Thu Jan 11, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to "call in rich"?
Replies: 75
Views: 12028

Re: Is it time for me to "call in rich"?

"...You are fartin" through silk, Son..." said someone famous whose name I can't recall. You are at a fork in the road... you should take it.
by Capsu78
Wed Jan 10, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Help with what to do with drafty fireplace
Replies: 26
Views: 1301

Re: Help with what to do with drafty fireplace

Slightly less relevant, but I have toured a number of Frank L Wright built studios and homes. Fireplaces are usually a centerpiece of his designs, and he designed some 1600 different designs and no 2 alike. However, some of his designs were completely inefficient and energy losers...a couple were si...
by Capsu78
Tue Jan 09, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: Fertilize dormant plants in winter?
Replies: 13
Views: 891

Re: Fertilize dormant plants in winter?

Miswestern garden hack here, who likes to put Malorganite around flowering trees and shrubs drip lines while the snow is on the ground in early March. My personal "hunch" is that my flowers are better when I do this, after the thaw/ drip hopefully permeates the ground to the roots.
by Capsu78
Tue Jan 09, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 37
Views: 4475

Re: Early Retirement Incentive Plan is generating paranoia

Dottie57 wrote: ↑
Tue Jan 09, 2018 6:00 pm
... However Megacorp wants to go a different direction and perceives those who are 55+ as being a drag.on the necessary transformation.
...And if you could just find that one Megacorp memo that states that with clarity you could be wealthy beyond measure! :D
by Capsu78
Tue Jan 09, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 153
Views: 15120

Re: Anyone disenchanted with retirement?

One of my "retirement" jobs is putting my granddaughter on the bus 3 days a week. This morning she asked "What are you doing today Papa?" I had to think for a bit, but replied "I have to stop by Village Hall and get my new vehicle stickers and stop by my chiropractor to pay off a bill... about 20 mi...
by Capsu78
Sat Jan 06, 2018 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Having trouble deciding on 401k employee deferral or Roth deferral at new job
Replies: 8
Views: 430

Re: Having trouble deciding on 401k employee deferral or Roth deferral at new job

What "secures" your future deferral, in the event that the company you work for runs into severe financial trouble? I consider that a risk worth considering.
by Capsu78
Fri Dec 29, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: I have been warned my funds will be liquidated?
Replies: 22
Views: 2881

Re: I have been warned my funds will be liquidated?

When we closed out our Heloc, I got a check for $.02 months and months later, as well. Having been in the "negotiable document creation" world during my career, I can assure you it probably cost $10 or more to print, insert, seal, mail and deliver that check to me...and probably a like amount for th...
by Capsu78
Tue Dec 26, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Appointment Calendars from the past
Replies: 28
Views: 2211

Re: Appointment Calendars from the past

In 2015 I retired after 36 years as a loss prevention engineer for an insurance company. I kept every calendar for 36 years, the calendar are the type where you had a page for each day, you can put in your suit jacket. Everyday it lists the name of the company I visited, the person I met with, the ...
by Capsu78
Fri Dec 22, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: Appointment Calendars from the past
Replies: 28
Views: 2211

Re: Appointment Calendars from the past

I recently found some calendar days from the late 70's which chronicled all of the fun weekends during my first years out of college- ski weekends, the bars we went to, the concerts. Since I have a pretty robust photo library (110,000 images +) that I maintain and back up anyway, I scanned the pages...
by Capsu78
Fri Dec 22, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: A meal with friends yields a financial revelation
Replies: 95
Views: 11732

Re: A meal with friends yields a financial revelation

Mike above posted: BTW, I would not call this "abundance" but rather "enough". +1, and I think at the crux of the OP's post. "Score keeping" among score keepers is a game that will never end. An important concept that relates to "happiness", but fewer focus on, is what constitutes "enough". We are ...
by Capsu78
Thu Dec 21, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: A meal with friends yields a financial revelation
Replies: 95
Views: 11732

Re: A meal with friends yields a financial revelation

Mike above posted: BTW, I would not call this "abundance" but rather "enough". +1, and I think at the crux of the OP's post. "Score keeping" among score keepers is a game that will never end. An important concept that relates to "happiness", but fewer focus on, is what constitutes "enough". We are o...
by Capsu78
Thu Dec 21, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Do you include your house in your net worth if you own it outright?
Replies: 89
Views: 6439

Re: Do you include your house in your net worth if you own it outright?

I include it as it is an "owned" asset...however, I am also a "bucket" guy so I place it as my assets of last resort in sequence of spending. I would only readjust if we readjusted our housing arrangement.
by Capsu78
Wed Dec 20, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Christmas Bonus: Etiquette
Replies: 32
Views: 4622

Re: Christmas Bonus: Etiquette

I was once given a bonus by my "client" as I was a paid consultant at the time. Took the time to write a short thank you note saying how unexpected it was and how much I appreciated being considered part of his team. It was an opportunity for me to do a little positive relationship work. My daughter...
by Capsu78
Wed Dec 20, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: A meal with friends yields a financial revelation
Replies: 95
Views: 11732

Re: A meal with friends yields a financial revelation

For me, the moment occurred after we completed our last child's wedding. We realized all of our kids educations had been paid for, weddings paid for, kids stable and decently employed. I started remembering all the things I would put off or try to DIY for our house and cars. I started to look for pr...
by Capsu78
Thu Dec 07, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: sharing cost of tree cutting
Replies: 31
Views: 1664

Re: sharing cost of tree cutting

Mr. T also had a dispute with the neighbors in a famous Chicagoland story:

https://chicago.curbed.com/2011/6/22/10 ... w-massacre

It was said that when confronted, he said "I don't like no trees- Trees bring birds...and birds wake me up in the morning!"
by Capsu78
Wed Dec 06, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 43
Views: 3648

Re: Best solution for digitizing documents?

There is lots of good advice on how to scan your documents. The only thing I will add is for critical documents (or priceless family photographs for that matter) keep one copy either in the cloud or off site. For the latter, a pair of cheap external drives employed with this strategy works well: 1)...
by Capsu78
Fri Dec 01, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3248
Views: 943330

Re: What Movie Have You Recently Watched?

"Wind River" which was suggested by an earlier poster was the best movie I have seen this year, from 2017 anyway.
by Capsu78
Mon Nov 27, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Let Go by MegaCorp - Lots of options
Replies: 40
Views: 3621

Re: Let Go by MegaCorp - Lots of options

Have worked through 2 severance periods between my wife and myself. Looking back, even through all of the uncertainty and even some sadness/ sense of loss... both of these periods led to better outcomes. The only regrets were the wasted worrying about the transition! 1 Sounds like a fabulous severan...
by Capsu78
Mon Nov 27, 2017 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Inspiration to Work After You've Already "Won"?
Replies: 17
Views: 1744

Re: Inspiration to Work After You've Already "Won"?

Chopin wrote most of his major works by age 24. Maybe look for a cathederal to bury your heart in one day when you are done using it? :D
by Capsu78
Mon Nov 27, 2017 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: What happens to pension in the event of corporate takeover
Replies: 3
Views: 411

Re: What happens to pension in the event of corporate takeover

It depends on what was written in the originating pension set up and subsequent modifications. One "remedy" that seems to be popular is to buy annuities for current employees and offer retirees and those who have exited the org but not yet declared a pension option a lump sum buyout. Sometime a carr...
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: 93
Views: 8942

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: 331

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: 3248
Views: 943330

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: 984

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: 3248
Views: 943330

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: 3248
Views: 943330

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: 1407

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: 1407

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: 8217

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: 1917

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: 1446

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: 1446

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: 6500

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: 4064

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: 2868

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: 3570

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: 3912

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: 3049

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: 1985

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: 3049

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: 1486

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: 3049

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: 3049

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: 2073

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: 22664

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: 2069

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: 5695

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: 1138

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: 2540

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: 2291

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.