Search found 726 matches

by Cruise
Thu Mar 07, 2019 4:51 am
Forum: Personal Finance (Not Investing)
Topic: Anyone leaving behind a scholarship fund?
Replies: 63
Views: 4220

Re: Anyone leaving behind a scholarship fund?

My wife and I plan on donating funds sufficient to establish two free-ride in-state scholarships at our State U. One will go to kids who are over-achievers that come from poor families. The other one will go to kids of fallen heros. We plan on donating to the foundation established by the university.
by Cruise
Fri Feb 22, 2019 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: thinking about un-retiring
Replies: 45
Views: 8417

Re: thinking about un-retiring

Hi Folks, My non-compete just expired and I have some opportunities for working in the cloud computing space. I don't know a whole lot about cloud computing but my background lends itself well to the segment. I'm 62, financially independent but miss the intellectual engagement and socialization opp...
by Cruise
Thu Feb 21, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Answering income question in a survey
Replies: 35
Views: 2824

Re: Answering income question in a survey

smitcat wrote:
Thu Feb 21, 2019 7:28 am
I do not answer surveys since I worked at a data processing company which received them.
Can you enlighten us as to why your work experience has impacted your decision to not answer surveys?
by Cruise
Tue Feb 19, 2019 7:38 pm
Forum: Personal Consumer Issues
Topic: Electrician broke ceiling heat and won't fix it
Replies: 16
Views: 3423

Re: Electrician broke ceiling heat and won't fix it

Is your electrician licensed? If he refuses to make the fix, file a complaint with the licensing board. Submit a complaint with the BBB. Then after the estimate, file a claim in small claims court.
by Cruise
Mon Feb 18, 2019 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Joining finances - what's easiest?
Replies: 38
Views: 2361

Re: Joining finances - what's easiest?

My spouse and I are working on joining finances. We just set up a joint checking and joint savings account. Our paychecks will be direct deposited into the joint checking, our agreed-upon joint expenses will be paid from it, a set amount will go into the joint savings and set amounts will go into o...
by Cruise
Tue Feb 12, 2019 11:52 pm
Forum: Personal Consumer Issues
Topic: Black Fly Protective Head Gear
Replies: 16
Views: 1289

Re: Black Fly Protective Head Gear

OP here. Many thanks to all who offered great recommendations and wonderful advice! Very much appreciated. For those wondering why we would knowingly venture into fly hell with such a bad previous experience: We are going to a different part of Canada than before, and did not know that the flies wou...
by Cruise
Tue Feb 12, 2019 2:40 am
Forum: Personal Consumer Issues
Topic: Black Fly Protective Head Gear
Replies: 16
Views: 1289

Black Fly Protective Head Gear

My wife and I will be visiting a region of Canada known for its black flies that like to nibble on humans. The last time we were in that region, my wife ended up in an emergency room as she developed such a bad allergic reaction that her lymph nodes became very swollen. I've heard some suggest a typ...
by Cruise
Fri Feb 08, 2019 2:05 am
Forum: Personal Consumer Issues
Topic: Money saving move you regret the most?
Replies: 120
Views: 11419

Re: Money saving move you regret the most?

Failing to replace bathroom windows when every other window of the house was replaced. They were in decent shape then. Should have replaced them.
by Cruise
Fri Feb 08, 2019 2:03 am
Forum: Personal Consumer Issues
Topic: Setting up home office for first time
Replies: 14
Views: 1212

Re: Setting up home office for first time

OP: Just curious, does your agency have any regulations requiring you to implement a data security plan? How are you managing that in a relatively insecure home environment?
by Cruise
Sun Feb 03, 2019 8:05 pm
Forum: Personal Consumer Issues
Topic: Sapporo Snow Festival
Replies: 1
Views: 272

Sapporo Snow Festival

We are thinking of attending in 2020 and wondering whether tsome in the BH community may have attended in the past, and whether recommendations can be offered regarding:

1. High-end hotels or ryokan
2. How best to plan and enjoy the festival

Many thanks for your informed recommendations!
by Cruise
Sat Feb 02, 2019 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 163
Views: 11887

Re: Were you 100% debt free at retirement

Debt free at retirement, but later took out a low interest car loan at my FCU. Because they inappropriately tacked on a bogus monthly insurance amount that I never approved, I just paid it off when they refused to delete the charge.
by Cruise
Tue Jan 29, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 46819

Re: What lifestyle creep made you happier?

Tyrobi wrote:
Tue Jan 29, 2019 1:05 pm
Upgraded to a high-end Taylor guitar.
Just make sure you don't fly United Airlines with that guitar:

https://www.youtube.com/watch?v=5YGc4zOqozo
by Cruise
Sun Jan 27, 2019 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Career Decision - Asking for help.
Replies: 30
Views: 3027

Re: Career Decision - Asking for help.

OP: This response is coming from someone who got his MBA partially because of being bored in a dead end job: It seems like you are a high-value employee who is trusted by the owner. Perhaps this is a good time to share your concerns regarding lack of growth opportunities, lack of equity position, an...
by Cruise
Sat Jan 26, 2019 11:39 am
Forum: Personal Finance (Not Investing)
Topic: No Children, what will your legacy be?
Replies: 118
Views: 9469

Re: No Children, what will your legacy be?

cdu7 wrote:
Sat Jan 26, 2019 9:23 am
“And on the pedestal these words appear:
'My name is Ozymandias, king of kings;
Look on my works, ye Mighty, and despair!'
Nothing beside remains. Round the decay
Of that colossal wreck, boundless and bare
The lone and level sands stretch far away.”
Tell that to Andrew Carnegie and Bill Gates.
by Cruise
Fri Jan 25, 2019 3:52 am
Forum: Personal Finance (Not Investing)
Topic: No Children, what will your legacy be?
Replies: 118
Views: 9469

Re: No Children, what will your legacy be?

We recently outlined our heirs, including sibs and their progeny. The youngest ones will get enough to put themselves through school or help them buy a home. The sibs will get modest amount as a remembrance. Most of the estate will go for scholarships. I want to give free-rides to children of fallen...
by Cruise
Thu Jan 24, 2019 11:51 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 46819

Re: What lifestyle creep made you happier?

Vacations : Without (or with little) regard to price. Expensive cruises on luxury line (but not large suites), 5-star hotels (but not large suites), and paid business-class seats when I can't find good routings with mileage program. Also hire private guides so I don't have to think too much :) Daily...
by Cruise
Mon Jan 21, 2019 3:56 am
Forum: Personal Finance (Not Investing)
Topic: Questions about Fidelity
Replies: 21
Views: 1901

Re: Questions about Fidelity

OP, 10+ years of using FIDO debit card for all my ATM withdrawals around the world. Only once had a problem, in Shanghai. A quick call resolved the problem.

I’d have an honest talk with the card issue to better understand your situation.
by Cruise
Mon Jan 21, 2019 3:25 am
Forum: Personal Consumer Issues
Topic: What to do this weekend in Tokyo?
Replies: 19
Views: 1577

Re: What to do this weekend in Tokyo?

Personally, I just enjoy wandering, but just get out of Roppongi because it feels like a US suburb. +1. Tokyo is one of my favorite cities. As an FYI, make sure you have cash on hand. As far as international cities go, Tokyo is very much NOT a cashless city. Many vendors don’t accept credit cards. ...
by Cruise
Sun Jan 20, 2019 4:54 am
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 127
Views: 15023

Re: How much money did you receive from family? (Gifts/inheritance)

Parents funded college tuition and expenses until such time I got a full-ride and more academic scholarship as a senior. They bought me a car, which was helpful in commuting between different campuses, which eventually led to the scholarship. They helped me out a bit in grad school, but that was a f...
by Cruise
Sun Jan 20, 2019 1:49 am
Forum: Personal Consumer Issues
Topic: Cruise to China, Japan and South Korea— ship tours or booking private tours
Replies: 8
Views: 783

Re: Cruise to China, Japan and South Korea— ship tours or booking private tours

We are leaving on a cruise this February trying to decide if we should us the ships tours or use soon private vendors. Anyone have experience with private vendors there as to the quality of the tour making sure they return to the ship on time. We have ship's and private tours all over the world. We...
by Cruise
Sat Jan 19, 2019 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card for International Travel
Replies: 51
Views: 3652

Re: Best Credit Card for International Travel

We travel internationally for pleasure a few times a year, and I am looking for recommendations on a credit card with no foreign transaction fees and preferably no annual fee. I have been using a BOA card I've had for years, and only use when overseas, but their customer service has become atrociou...
by Cruise
Sat Jan 19, 2019 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card for International Travel
Replies: 51
Views: 3652

Re: Best Credit Card for International Travel

We travel internationally for pleasure a few times a year, and I am looking for recommendations on a credit card with no foreign transaction fees and preferably no annual fee. I have been using a BOA card I've had for years, and only use when overseas, but their customer service has become atrociou...
by Cruise
Fri Jan 18, 2019 4:19 am
Forum: Personal Consumer Issues
Topic: What to do this weekend in Tokyo?
Replies: 19
Views: 1577

Re: What to do this weekend in Tokyo?

Nezu Shrine.

Imperial Palace grounds.

Explore department store eateries.

Or, get out of Tokyo, take the train to Nara deer park.
by Cruise
Fri Jan 18, 2019 3:57 am
Forum: Personal Finance (Not Investing)
Topic: Any MD pursued a CFA? Thoughts?
Replies: 27
Views: 2835

Re: Any MD pursued a CFA? Thoughts?

I have a science Ph.D. and an MBA. I got the latter because I found myself consulting with businesses, and wanted two things: 1) better understand the needs of my clientele and 2) give my clientele and potential clientele confidence that I understood their needs. Letterhead, business cards and websi...
by Cruise
Fri Jan 18, 2019 12:58 am
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 4555

Re: Any good reason to get a smartwatch?

One function I neglected to mention in an earlier post is to use the watch to receive 2-factor identification information without pulling out the phone. Helpful for logging into my Fidelity account.
by Cruise
Wed Jan 16, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 4555

Re: Any good reason to get a smartwatch?

I have had the Apple Watch 3 for over a year, and find it immensely useful: -Tells time -Set infinite time zones, and can have several time zones on the face -Ability to see texts and incoming calls on watch without pulling out phone -Set alarm to vibrate, keeps partner sleeping -Seeing my steps rem...
by Cruise
Tue Jan 15, 2019 10:57 pm
Forum: Personal Consumer Issues
Topic: How to buy business class tickets?
Replies: 35
Views: 4397

Re: How to buy business class tickets?

OP: If you are going to use cash to purchase J or F tickets, I'd highly recommend Google Flights. You can easily compare costs from Origin to Destination across multiple carriers. You can specify an alliance you want to fly, how many stops you can tolerate, and the class of service (F/J) you desire....
by Cruise
Mon Jan 14, 2019 3:46 am
Forum: Personal Consumer Issues
Topic: Taking expensive DSLR on kayak?
Replies: 41
Views: 2268

Re: Taking expensive DSLR on kayak?

If your concern is droppin the camera, I can tell you a solution I have used: I went to a climbing/mountaineering store, got heavy-duty strapping that I sling across my shoulder an chest. I then attach a nylon cord to the camera, and join the two via a flexible cord and D clip. No way that camera is...
by Cruise
Sat Jan 12, 2019 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Stay in private practice medical or take VA job offer?
Replies: 45
Views: 4011

Re: Stay in private practice medical or take VA job offer?

OP: Good luck with your decision. One thing that I did not see discussed is the effective daily wage you will earn in each venue: Simply said, You will earn $492 more each day you work at your current job. Do you value your commute time so highly? Of Course, you may have a higher value on the added ...
by Cruise
Fri Jan 11, 2019 12:54 am
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 136
Views: 8533

Re: Engagement Ring (Affordable)

OP: Consider whether an engagement ring is necessary. I proposed to my wife some 40 years ago, using a ziplock band as a standin. We are still wearing the platinum wedding bands that we purchased for our elopement. It really doesn't seem that engagement rings are necessary for health, happiness, and...
by Cruise
Sat Jan 05, 2019 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 9230

Re: What Do You Spend The Most On Annually?

Aside from retirement investing and taxes, our biggest expenses are:

Cruising
Business-class airfare
Food and restaurants
Charitable contributions (actually the highest some years)
by Cruise
Sun Dec 23, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: Should I demand a refund from a dentist who installed a bad crown?
Replies: 21
Views: 2810

Re: Should I demand a refund from a dentist who installed a bad crown?

CobraKai wrote:
Sat Dec 22, 2018 7:05 pm
I also remembered that I indeed did pay part of this bill with a credit card. Debating whether to try a charge back.

Planning on getting tooth fixed after the new year.
Why are you debating a charge-back? The only question is whether your time to contest the charge has passed.
by Cruise
Sat Dec 22, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive Colleges - Investment Worth It
Replies: 67
Views: 2791

Re: Expensive Colleges - Investment Worth It

OP: ResearchMed said it well: Adjust your daughte’s inheritance to compensate for early giving. Another issue: With such a high achiever, I’d be concerned with depression setting in when she attains her goals for college acceptance, but fails to achieve them due to an external force beyond her contr...
by Cruise
Fri Dec 21, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Considering living with Mother in law (MIL)
Replies: 34
Views: 3855

Re: Considering living with Mother in law (MIL)

I’m speechless that you chose to share your thanks to a poster from another forum, yet said squat to all the BHs who tried to help you out. Happy Holidays.
by Cruise
Thu Dec 20, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Considering living with Mother in law (MIL)
Replies: 34
Views: 3855

Re: Considering living with Mother in law (MIL)

OP: You and your spouse are very caring. You folks are also in a no-win situation: Either you give up your lives for MIL or you feel guilt for letting her waste away in her current situation. My use of the phrase "give up your lives for MIL" was not accidental. You will be entering a situation of en...
by Cruise
Wed Dec 19, 2018 3:56 am
Forum: Personal Consumer Issues
Topic: Buyer's Remorse on purchasing a Mercedes
Replies: 82
Views: 7245

Re: Buyer's Remorse on purchasing a Mercedes

If you decide to sell, sell it in the State which has the highest median income. Assuming this is a more populous state, you will have more demand for your MB.
by Cruise
Wed Dec 19, 2018 1:46 am
Forum: Personal Consumer Issues
Topic: Confused by cruise gratuities
Replies: 51
Views: 4380

Re: Confused by cruise gratuities

OP: Congrats on booking your first cruise! Regarding gratuities for cruises (assuming you are not on a luxury cruise in which tipping is not expected): It is typical that there is a daily gratuity charged for each person in the room. That adds up, but it is the norm. As you will see, the shipboard ...
by Cruise
Tue Dec 18, 2018 12:44 am
Forum: Personal Consumer Issues
Topic: Confused by cruise gratuities
Replies: 51
Views: 4380

Re: Confused by cruise gratuities

OP: Congrats on booking your first cruise! Regarding gratuities for cruises (assuming you are not on a luxury cruise in which tipping is not expected): It is typical that there is a daily gratuity charged for each person in the room. That adds up, but it is the norm. As you will see, the shipboard s...
by Cruise
Sat Dec 15, 2018 1:58 am
Forum: Personal Finance (Not Investing)
Topic: Law school without practicing law
Replies: 79
Views: 6336

Re: Law school without practicing law

If you want the title of "Attorney," not only will you have to take the bar, you will have to take mandatory continuing legal education and provide X hours of pro bono services per year to maintain your license. Now, say that the above works for you, and you are a member of your state's bar. You now...
by Cruise
Fri Dec 14, 2018 1:59 am
Forum: Personal Finance (Not Investing)
Topic: Hiding Identity of Trust Owner: Registered Agent Services Needed?
Replies: 20
Views: 2005

Re: Hiding Identity of Trust Owner: Registered Agent Services Needed?

Thanks. Just a random question. If the estate planning lawyer you are using is one of the best, how is it that he did not know that one detail that was disclosed to you by the local CT office head? It was not the attorney who was mistaken, it was the PI friend of mine. Sorry if my rendition is conf...
by Cruise
Thu Dec 13, 2018 1:44 am
Forum: Personal Finance (Not Investing)
Topic: Hiding Identity of Trust Owner: Registered Agent Services Needed?
Replies: 20
Views: 2005

Re: Hiding Identity of Trust Owner: Registered Agent Services Needed?

Check with your lawyer who is setting up the trust, that is assuming you are using a lawyer. In my former law firm, I know that sometimes one of the estate planning lawyers who worked for some of our celebrity type clients who didn’t want their home address known had a process for dealing with this...
by Cruise
Wed Dec 12, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Hiding Identity of Trust Owner: Registered Agent Services Needed?
Replies: 20
Views: 2005

Re: Hiding Identity of Trust Owner: Registered Agent Services Needed?

This is not legal advice to OP or anyone else, and I'd encourage OP and anyone interested in this issue to consult with your own lawyer (understand OP is going to do such consultation). You may wish to ask your lawyer about whether, for privacy reasons, he/she can set up a separate revocable trust ...
by Cruise
Wed Dec 12, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 4358

Re: Donate to homeless?

I don't live in a particularly god-fearing area, but it is truly amazing how all the panhandlers are highly religious and have signs that ask for money and say "God Bless You."
by Cruise
Wed Dec 12, 2018 2:29 am
Forum: Personal Consumer Issues
Topic: Fax without a telephone line
Replies: 23
Views: 2465

Re: Fax without a telephone line

I used myfax.com for many years.
by Cruise
Wed Dec 12, 2018 1:49 am
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 4358

Re: Donate to homeless?

I was brought up to not give to panhandlers, and although I always hated that prescription, I followed it, with a couple of exceptions: -Once, visiting a very cold city in the middle of winter, I had an old suit with me and I went out and found a person who appeared homeless. I asked him if he knew ...
by Cruise
Wed Dec 12, 2018 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Hiding Identity of Trust Owner: Registered Agent Services Needed?
Replies: 20
Views: 2005

Re: Hiding Identity of Trust Owner: Registered Agent Services Needed?

Check with your lawyer who is setting up the trust, that is assuming you are using a lawyer. In my former law firm, I know that sometimes one of the estate planning lawyers who worked for some of our celebrity type clients who didn’t want their home address known had a process for dealing with this...
by Cruise
Tue Dec 11, 2018 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Hiding Identity of Trust Owner: Registered Agent Services Needed?
Replies: 20
Views: 2005

Re: Hiding Identity of Trust Owner: Registered Agent Services Needed?

Check with your lawyer who is setting up the trust, that is assuming you are using a lawyer. In my former law firm, I know that sometimes one of the estate planning lawyers who worked for some of our celebrity type clients who didn’t want their home address known had a process for dealing with this...
by Cruise
Tue Dec 11, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Hiding Identity of Trust Owner: Registered Agent Services Needed?
Replies: 20
Views: 2005

Hiding Identity of Trust Owner: Registered Agent Services Needed?

My wife and I are creating a family trust. One of our concerns is to purchase a new residential property in such a fashion that a public records search of the property would not reveal our identities. There is a security concern involved. I spoke with a friend who is a private detective, and he sugg...