Search found 676 matches

by Cruise
Tue Dec 11, 2018 1:24 am
Forum: Personal Consumer Issues
Topic: Noise coming through apartment vent duct
Replies: 15
Views: 1371

Re: Noise coming through apartment vent duct

See if the offending unit's renovation was approved by the HOA. If not, file a complaint with them.
by Cruise
Tue Dec 11, 2018 1:17 am
Forum: Personal Consumer Issues
Topic: Problem with Medical Equipment Vendor: Insurance Issues
Replies: 9
Views: 1003

Re: Problem with Medical Equipment Vendor: Insurance Issues

Thanks again for all the responses. To update the situation, my email to the local office was returned yesterday by a staff member who has been helpful in the past. She said she will review my account and "get back to me." Fingers crossed. Just got a notice from my local office that the national of...
by Cruise
Mon Dec 10, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: Nespresso?
Replies: 95
Views: 7781

Re: Nespresso?

A bit OT, but can anyone tell me why the lattes we had in New Zealand are so much better than anywhere else in the world?
by Cruise
Mon Dec 10, 2018 1:32 am
Forum: Personal Consumer Issues
Topic: Contractor draws during remodeling project
Replies: 25
Views: 2762

Re: Contractor draws during remodeling project

Just did a bathroom remodel. 1/3 down, 1/3 after a benchmark completion, and 1/3 upon total completion.
by Cruise
Thu Dec 06, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Climate Concerns re: small Jersey Shore Vacation Home
Replies: 54
Views: 2912

Re: Climate Concerns re: small Jersey Shore Vacation Home

Re #5, you might want to look at these: https://geology.rutgers.edu/images/stories/faculty/miller_kenneth_g/Sealevelfactsheet7112014update.pdf https://www.pressofatlanticcity.com/news/breaking/new-jersey-shore-sees-sea-level-change-and-it-can/article_bfb3ef36-99d9-546b-88fd-48b8cf5dd214.html The bot...
by Cruise
Thu Dec 06, 2018 12:47 am
Forum: Personal Consumer Issues
Topic: Problem with Medical Equipment Vendor: Insurance Issues
Replies: 9
Views: 1003

Re: Problem with Medical Equipment Vendor: Insurance Issues

Thanks again for all the responses.

To update the situation, my email to the local office was returned yesterday by a staff member who has been helpful in the past. She said she will review my account and "get back to me." Fingers crossed.
by Cruise
Tue Dec 04, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 148
Views: 8515

Re: How did YOU choose your career?

I'm going to have to read through this whole thread and see if it helps me figure out how to figure out what I should be doing. I'm 35 and I've hated every job I've ever had. Most of the time I can't stomach them for more than a year and quit. I went back to school for a second degree just so I cou...
by Cruise
Tue Dec 04, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Problem with Medical Equipment Vendor: Insurance Issues
Replies: 9
Views: 1003

Re: Problem with Medical Equipment Vendor: Insurance Issues

Medicare has timely filing limit of 12 months so no issue there. You should have EOBs stating what the insurance companies paid and what your responsibility was. You should be able to contact your insurance to see if they have an updated EOB in case they reprocessed or sent out a request for more i...
by Cruise
Tue Dec 04, 2018 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 120
Views: 10813

Re: Retirement itch- when did you get it?

Got the itch about 10 years ago or so, in my 50s, after I realized that we would not have to work forever. I reflected on my father's retirement at age 62, and decided that would be my goal. I sold my business at age 61, but worked hard in the transition for another year. I still do a very minimal a...
by Cruise
Mon Dec 03, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Problem with Medical Equipment Vendor: Insurance Issues
Replies: 9
Views: 1003

Problem with Medical Equipment Vendor: Insurance Issues

Hoping that those with industry or practical experience might have some insights on how to protect my interests in this situation: Back in April 2018, I was prescribed a piece of medical equipment, to be covered by Medicare as primary and another insurance as secondary. I got this equipment through ...
by Cruise
Sun Dec 02, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Questions About Making a Hobby Into a Business
Replies: 26
Views: 2098

Re: Questions About Making a Hobby Into a Business

If you are operating this business out of your personal residence, check the zoning laws to see if this is a permitted use. Check with your insurance agent. Your homeowners insurance is not sufficient. You need coverage for your business. If you are operating at a large scale, with significant inve...
by Cruise
Sat Dec 01, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Marriott Starwood Security breach - 500 million guests
Replies: 26
Views: 3410

Re: Marriott Starwood Security breach - 500 million guests

So, who is "Kroll" and how do I know it is safe to enroll in the "Kroll Web Watcher Monitoring Service?" Free, but only for a year. Anyone go far enough to find out if they ask for a credit card number at any point? ...I'm getting mighty tired of companies whose response to data breaches is to ask ...
by Cruise
Fri Nov 30, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Any Refrigerator Repair Specialists in the House?
Replies: 17
Views: 1639

Re: Any Refrigerator Repair Specialists in the House?

Checking the refrigerator mentioned above this is a side by side and you're concerned about the outward facing strip of the wall which separates the freezer from the fridge? How's the interior temperature now? Yes, and the interior temperature is around 39F right now (with thermostat set at 33). An...
by Cruise
Thu Nov 29, 2018 2:39 am
Forum: Personal Finance (Not Investing)
Topic: The "lure" of working from home vs getting a better job
Replies: 20
Views: 2089

Re: The "lure" of working from home vs getting a better job

The answer to your question requires insight into your need for people contact: Are you fine working in isolation from others (other than by phone, email, etc.), or do you crave the "water cooler" experience? In my mind, not having a commute, and not having office politics are big pluses in life. Go...
by Cruise
Wed Nov 28, 2018 1:54 am
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 148
Views: 8515

Re: How did YOU choose your career?

When students or young adults tell me that they have no idea what career or field of study they want to pursue, I chuckle because indecision like this is foreign to me. When I was growing up, my parents informed me that I had a choice of becoming a doctor, dentist or lawyer. Coming from parents who ...
by Cruise
Tue Nov 27, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: Any Refrigerator Repair Specialists in the House?
Replies: 17
Views: 1639

Re: Any Refrigerator Repair Specialists in the House?

MP123 wrote:
Tue Nov 27, 2018 10:21 pm
Checking the refrigerator mentioned above this is a side by side and you're concerned about the outward facing strip of the wall which separates the freezer from the fridge?

How's the interior temperature now?
Yes, and the interior temperature is around 39F right now (with thermostat set at 33).
by Cruise
Tue Nov 27, 2018 10:03 pm
Forum: Personal Consumer Issues
Topic: Any Refrigerator Repair Specialists in the House?
Replies: 17
Views: 1639

Re: Any Refrigerator Repair Specialists in the House?

Guess I'm not really following this. Is the OP talking about warm spots in the partition between the freezer and refrigerator compartments in the unit - ie the left interior "wall" of the refrigerator (assuming that the fridge is on the right side of the unit)? If so, I didn't realize that there wa...
by Cruise
Tue Nov 27, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Any Refrigerator Repair Specialists in the House?
Replies: 17
Views: 1639

Re: Any Refrigerator Repair Specialists in the House?

OP here. Thanks to all for sharing your insights. My refrigerator doesn't seem to have any of the settings that were referenced, so nothing that I can check. Based on some comments, I now recall that in the past two months, the ice in my ice bin seemed to be cohering, so that may be an additional sy...
by Cruise
Mon Nov 26, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: Any Refrigerator Repair Specialists in the House?
Replies: 17
Views: 1639

Any Refrigerator Repair Specialists in the House?

Many thanks for any informed insights you might provide on the following situation: Just back from the holiday weekend, and upon opening our refrigerator (an out-of-warranty side-by-side Kenmore Elite), we noticed that the front of the interior panel (that separates the freezer from the refrigerator...
by Cruise
Tue Nov 20, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Is my husband ready to quit tenured professorship to pursue side hustle?
Replies: 97
Views: 10383

Re: Is my husband ready to quit tenured professorship to pursue side hustle?

I chuckled at the thought of a tenured professor having a "side hustle," surely a phrase that is more synonymous with Uber drivers than academics possessing the breadth of knowledge and tenacity needed to author textbooks. It seems like you and your husband can survive without the yearly anticipated...
by Cruise
Tue Nov 20, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Partnership Agreement
Replies: 11
Views: 418

Re: Partnership Agreement

My partner wants to be CEO in this new venture and believes he has made a bigger contribution to the formation of the business concept. He's advocating a 52 / 48 equity split and that he be allowed to make any tie-breaking decisions. I would personally like to split everything down the line, includ...
by Cruise
Sat Nov 17, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 222
Views: 29206

Re: [Financial] Habits of the Rich

Not sure about this age thing. If I had the money I do now in my ‘20’s boy I’m not sure what would have happened. Might have wrapped the Ferrari around a tree. LOL. In one's 20s, one can't afford a Ferrari, thereby averting wrapping it around a tree. In one's 60's, one can't bend down to get into a...
by Cruise
Wed Nov 14, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 222
Views: 29206

Re: [Financial] Habits of the Rich

Regarding whether wealth and depression/happiness are related, here is an excerpt from a review article published in a prestigious journal entitled "The Funds, Friends, and Faith of Happy People:" "However, in affluent countries, where most can afford life's necessities, affluence matters surprising...
by Cruise
Tue Nov 13, 2018 3:51 am
Forum: Personal Consumer Issues
Topic: Global Entry Turnaround Time ?
Replies: 28
Views: 2125

Re: Global Entry Turnaround Time ?

There are several threads on Flyertalk, in which there are extensive discussions on GE processing time. The gist is that renewals seem to be taking longer than expected , but this may be a reporting bias.
by Cruise
Mon Nov 12, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 222
Views: 29206

Re: [Financial] Habits of the Rich

-While others party--you study. That is, get great grades in school, major in a subject matter that will enable you to enter a lucrative (or at least stable) profession. Go to graduate school and be the hardest-working wonk. -Select your mate well. Someone with a similar work ethic means that this p...
by Cruise
Thu Nov 08, 2018 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Snowbirding in HI [Residency requirements for tax purposes]
Replies: 28
Views: 2835

Re: Snowbirding in HI

Well, we can agree to disagree, but in the end, the OP should consult a CPA about this. I won’t agree. You simply grabbed one paragraph from the same document that I used as a reference, found something that looked like it might apply to the OP’s situation and failed to discern which part applied t...
by Cruise
Thu Nov 08, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Snowbirding in HI [Residency requirements for tax purposes]
Replies: 28
Views: 2835

Re: Snowbirding in HI

Sorry, but Silk's information is not correct. Please see the following: "Part-Year Resident A part-year resident is an individual who was a Hawaii resident for part of the year, and who was a nonresident during the other part of the year. This includes those who moved to Hawaii during the year and ...
by Cruise
Thu Nov 08, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Snowbirding in HI [Residency requirements for tax purposes]
Replies: 28
Views: 2835

Re: Snowbirding in HI

Sorry, but Silk's information is not correct. Please see the following: "Part-Year Resident A part-year resident is an individual who was a Hawaii resident for part of the year, and who was a nonresident during the other part of the year. This includes those who moved to Hawaii during the year and t...
by Cruise
Wed Nov 07, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Fees in Fidelity Solo 401k
Replies: 6
Views: 513

Re: Fees in Fidelity Solo 401k

Can someone with a Fidelity Individual 401(k) answer a few questions? I noticed there is a $4.95/equity trade fee. Is this waived with a certain balance? Does this apply to Fidelity mutual funds and ETF's? Has anyone contacted Fidelity to get an estimate for when they will allow ACH transfers inste...
by Cruise
Wed Nov 07, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA Transfers
Replies: 7
Views: 616

Re: Fidelity CMA Transfers

I do not believe that an automatic transfer from one account to another is possible. Suggest calling in to verify.

I know that automatic purchases are only available for mutual funds, not ETFs.
by Cruise
Tue Nov 06, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 702
Views: 113860

Re: High Earners - What's Your Profession?

Wife (35) is a human resources systems manager. After a short stint in investment banking I (39) ended up at the intersection of good luck and hard work, hitching my wagon to the right star. I work on a small team in an international family office managing investments. Due to bonuses, carry, and op...
by Cruise
Tue Nov 06, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 702
Views: 113860

Re: High Earners - What's Your Profession?

triceratop wrote:
Tue Nov 06, 2018 11:00 am
Cruise wrote:
Tue Nov 06, 2018 10:57 am
How about answering the question posed?
I did? I gave my profession.
Whatever...One talent that is correlated with success is communication ability. Good luck to you.
by Cruise
Tue Nov 06, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 702
Views: 113860

Re: High Earners - What's Your Profession?

Are you saying that as a student, you have income that places you in the top 1% of all wage-earners in the USA? Or, are you adding in trust fund or lottery-winning revenue? Some STEM PhD students actually make a lot of money. My sister just finished her economics PhD and she was making close to 85k...
by Cruise
Tue Nov 06, 2018 3:54 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 702
Views: 113860

Re: High Earners - What's Your Profession?

Would really like to revive this thread instead of starting a new one. Not sure why some are so reluctant to share exact numbers as we are supposedly ananomyous. Good point. Okay, to be more helpful, I'll share. I'm in the top 1% by income. My profession: STEM Ph.D. student. Are you saying that as ...
by Cruise
Mon Nov 05, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Career License/Certification suggestions please
Replies: 11
Views: 1041

Re: Medical Career License/Certification suggestions please

OP: It is great that you are are planning a good future for your loved one. However, given the diagnosis, perhaps you can find a suitable position in an area where the disability would not pose a potential threat to patient safety or hospital operational efficiency. Have you thought about a coding c...
by Cruise
Sun Nov 04, 2018 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating ROI for PhD
Replies: 86
Views: 4848

Re: Calculating ROI for PhD

1) What do you have at this moment? Bachelor Degree? Master degree? In many cases, the Ph.D. will not provide additional income if you have a master degree now. I have a Bachelor of Arts. magnificent, <<I'm weighing the ROI of a PhD in human factors and systems engineering,>> Are you kidding? (inap...
by Cruise
Fri Nov 02, 2018 1:05 am
Forum: Personal Finance (Not Investing)
Topic: Selling House Directly to Buyer
Replies: 28
Views: 2672

Re: Selling House Directly to Buyer

OP here: Thanks for the insights, everyone. We will see where this goes...
by Cruise
Wed Oct 31, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Selling House Directly to Buyer
Replies: 28
Views: 2672

Selling House Directly to Buyer

Upon learning that I am contemplating selling my house, an associate of mine has asked whether I would consider a direct sale to her. She has sold a house before using this method and found Realtors who perform the service for deeply discounted rates. I'd appreciate any advice BHs might provide abou...
by Cruise
Wed Oct 31, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating ROI for PhD
Replies: 86
Views: 4848

Re: Calculating ROI for PhD

For the OP: Some careers require a Ph.D., the the ROI is incalculable. In your case, if you are seeking advancement in your particular niche, only you can calculate the ROI for these conditions: 1. No change in degree status 2. Get a Ph.D. 3. Get an MBA or M.S. in another related field. The opportun...
by Cruise
Wed Oct 31, 2018 1:13 am
Forum: Personal Finance (Not Investing)
Topic: "Do you have any questions for the interview panel?" Suggestions.
Replies: 14
Views: 1318

Re: "Do you have any questions for the interview panel?" Suggestions.

OP, when they ask you if you have any questions, they are evaluating you on your insight, social intelligence, speaking ability, preparation and motivation. If you don't have a clue about the task requirements of being a supervisor, it will show if you either don't ask questions or don't ask appropr...
by Cruise
Tue Oct 30, 2018 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary Allocation Model
Replies: 17
Views: 1151

Re: Beneficiary Allocation Model

It appears his recommendation is based on the cash bequests being relatively small in relation to the estate. By giving these beneficiaries a specific dollar amount, rather than a fraction of the residue, they are not involved with the administration of the estate other than to receive their beques...
by Cruise
Tue Oct 30, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary Allocation Model
Replies: 17
Views: 1151

Re: Beneficiary Allocation Model

Again, I have not heard from anyone who has revealed their allocation model. It would be great to hear of other BH's decisions related to this issue.
by Cruise
Tue Oct 30, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary Allocation Model
Replies: 17
Views: 1151

Re: Beneficiary Allocation Model

It appears his recommendation is based on the cash bequests being relatively small in relation to the estate. By giving these beneficiaries a specific dollar amount, rather than a fraction of the residue, they are not involved with the administration of the estate other than to receive their beques...
by Cruise
Tue Oct 30, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Supporting dying father and preparing to support his wife?
Replies: 22
Views: 2466

Re: Supporting dying father and preparing to support his wife?

OP: I'm sure you can tell your father that you will "do your best" to take care of his wife. "Doing you best" does not require you to financially support her to her death. Rather, doing your best may be to advise/help her get an attorney and financial advisor.
by Cruise
Tue Oct 30, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: 911 calls from different area
Replies: 28
Views: 2506

Re: 911 calls from different area

Have you considered getting a MedicalAlert system for your dad? My dad has the one that is a small device he wears around his neck all the time. When it senses a fall, it calls the paramedics. This is great if the person is not conscious and no-one is watching the cameras (such as when you are all ...
by Cruise
Tue Oct 30, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: 911 calls from different area
Replies: 28
Views: 2506

Re: 911 calls from different area

Have you considered getting a MedicalAlert system for your dad? My dad has the one that is a small device he wears around his neck all the time. When it senses a fall, it calls the paramedics. This is great if the person is not conscious and no-one is watching the cameras (such as when you are all ...
by Cruise
Sat Oct 27, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: What Memberships/Subscriptions Are Most Valuable To You?
Replies: 68
Views: 4852

Re: What Memberships/Subscriptions Are Most Valuable To You?

Augusta National Royal and Ancient Skull and Bones Nah, just kidding. Most valuable memberships: University gym--best in a wide area Boards on which I am a director--great to give back A credit card that gives me free United Club membership and all sorts of other perquisites. Flyertalk, Bogleheads, ...
by Cruise
Sat Oct 27, 2018 12:15 am
Forum: Personal Consumer Issues
Topic: 911 calls from different area
Replies: 28
Views: 2506

Re: 911 calls from different area

OP, assuming your FIL lives in the most populated place in Hawaii, Honolulu, you might just Google "Honolulu Police Department." The number just pops up: https://www.google.com/search?q=honolulu+police+department+contact&oq=honolulu+police+department+contact&aqs=chrome..69i57j0l2j69i64.9498j1j7&sour...
by Cruise
Fri Oct 26, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary Allocation Model
Replies: 17
Views: 1151

Re: Beneficiary Allocation Model

For what you are attempting to achieve, my biggest question would be how the attorney would address inflation. A specific amount today is not the same as that same amount in 10 or 20 years. 3% inflation would halve the value in about 24 years. Educational inflation is running at least twice CPI, mo...