Search found 994 matches

by Cruise
Sun Oct 25, 2020 10:05 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2199
Views: 233393

Re: [What TV Show Have You Recently Watched?]

First time looking at this thread. Thanks for the suggestions! I searched to see whether anyone mentioned "Tehran," and could not find a cite. Tehran is on Apple TV+, and is developed by some of the group that did Fauda. It is an Israeli series about a Mossad agent operating in Tehran. Very interest...
by Cruise
Sun Oct 25, 2020 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Spending excess income
Replies: 29
Views: 1484

Re: Spending excess income

Can’t predict the future but as of now all goals are being met. One of my friend told me if you like to do something do it now. If you postpone and plan to do it in future, you will realize that you don’t have that desire anymore. One of the things my wife and I always did was to have one big vacat...
by Cruise
Sun Oct 25, 2020 8:51 pm
Forum: Personal Consumer Issues
Topic: iCloud Photos Issue
Replies: 9
Views: 840

Re: iCloud Photos Issue

One is Photo Stream. When this option is enabled, photos are uploaded to your Photo Stream. Photo Stream retains your photos in iCloud for about 30 days. Your photos will be visible on all of your Apple devices. In effect, Photo Stream is a sliding time-based window on your photos, which exposes th...
by Cruise
Sun Oct 25, 2020 10:53 am
Forum: Personal Finance (Not Investing)
Topic: How much house can we afford?
Replies: 10
Views: 812

Re: How much house can we afford?

How much house you can afford is a matter of risk tolerance. My wife and I had low risk tolerance, so we chose to purchase a home whose mortgage was affordable if one of us lost their income. Nearly 30 years later, we still have the same home, paid off a long time ago, and have enough in investment ...
by Cruise
Sat Oct 24, 2020 9:36 pm
Forum: Personal Consumer Issues
Topic: iCloud Photos Issue
Replies: 9
Views: 840

Re: iCloud Photos Issue

One is Photo Stream. When this option is enabled, photos are uploaded to your Photo Stream. Photo Stream retains your photos in iCloud for about 30 days. Your photos will be visible on all of your Apple devices. In effect, Photo Stream is a sliding time-based window on your photos, which exposes th...
by Cruise
Sat Oct 24, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: Leather Cleaner/Conditioner Recommendations, Please
Replies: 10
Views: 664

Re: Leather Cleaner/Conditioner Recommendations, Please

Thanks all! I appreciate the product advice as well as the warning to examine the manufacturer's recommendations. Ekornes does sell their own cleaning/conditioning products (which seem to necessitate a visit to their stores), and they also have very descriptive advice on how to treat their leather. ...
by Cruise
Sat Oct 24, 2020 11:41 am
Forum: Personal Consumer Issues
Topic: Leather Cleaner/Conditioner Recommendations, Please
Replies: 10
Views: 664

Leather Cleaner/Conditioner Recommendations, Please

We bought a mega-expensive set of Ekornes leather sofas, constructed of very high-grade leather.

I'd appreciate if anyone has recommendations for a leather cleaner/conditioner for use on our sofas.

Many thanks!
by Cruise
Sat Oct 24, 2020 10:09 am
Forum: Personal Consumer Issues
Topic: Out of state car purchase
Replies: 57
Views: 2533

Re: Out of state car purchase

Many years ago, went out of state to save $5K on a car purchase. No sales tax paid either. My wife and I flew to pick it up, then used it to tour the area for a three week vacation. This saved us a thousand in car rental costs. Dealer got us a fully-tagged vehicle. Shipped car back home for $1K. Gre...
by Cruise
Sat Oct 24, 2020 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Choosing a career
Replies: 106
Views: 5884

Re: Choosing a career

I would solicit additional thoughts around jobs and skills that are achievable with less than a 4-yr college degree. Most students have an immediacy of thought that doesn't extend very far or they simply don't have those supports. They may thank us later by directing/preparing them for an area that...
by Cruise
Sat Oct 24, 2020 4:16 am
Forum: Personal Finance (Not Investing)
Topic: Choosing a career
Replies: 106
Views: 5884

Re: Choosing a career

Ahead of the meeting, the key question sent to me was "Which career has the high probability for maximum lifetime $, given all else being equal?" This is the wrong question to ask. Conflating career with pay is like saying food is only worth the number of calories they provide. I would explore the ...
by Cruise
Fri Oct 23, 2020 4:52 pm
Forum: Personal Consumer Issues
Topic: Samsung UHD TV Model Number Differences
Replies: 7
Views: 555

Re: Samsung UHD TV Model Number Differences

Thanks all for your input.

Dolby Vision: Oh no. Is the lack of this something that is going to affecting my the resolution of all my streaming and cable content?
by Cruise
Fri Oct 23, 2020 11:46 am
Forum: Personal Consumer Issues
Topic: Ideal City to live in?
Replies: 160
Views: 11244

Re: Ideal City to live in?

jello_nailer wrote: Thu Oct 22, 2020 8:02 pm I'd be walking around saying REDRUM by the end of January in that place.
Thanks for my morning laugh. :)
by Cruise
Thu Oct 22, 2020 4:58 pm
Forum: Personal Consumer Issues
Topic: Ideal City to live in?
Replies: 160
Views: 11244

Re: Ideal City to live in?

With a bun in the oven, I would expect that a big consideration would being in easy transport distance to parents/grandparents. If that is a factor, then you have that and your wife's need to travel to her work location to visit customers. Does she have to pay her own work-related air costs or does ...
by Cruise
Wed Oct 21, 2020 9:32 pm
Forum: Personal Consumer Issues
Topic: Samsung UHD TV Model Number Differences
Replies: 7
Views: 555

Samsung UHD TV Model Number Differences

I'm considering purchasing a Samsung TV. The version available at Costco is a QN65Q8D. At Bestbuy, it is labeled a QN65Q80. Does anyone know if the slight difference in labeling indicates that there are quality/construction differences? I am leaning toward purchasing at Costco due to their extended ...
by Cruise
Wed Oct 21, 2020 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Letting neighbor use dock
Replies: 26
Views: 2155

Re: Letting neighbor use dock

OP: I used to do consulting work that had a higher than average risk of getting sued (thankfully, never happened). I had an attorney create a document that my clients signed before I would engage with them. It was quite a long document, but applied to your situation, read something like this: "I und...
by Cruise
Tue Oct 20, 2020 10:24 pm
Forum: Personal Consumer Issues
Topic: Security Cameras: Local DVR or Cloud?
Replies: 19
Views: 1061

Re: Security Cameras: Local DVR or Cloud?

I was going to suggest Nest, but given the link above about Google killing Nest Secure, and the mixed reviews of the fire alarms, I don't know about Google's commitment to this product line.
by Cruise
Tue Oct 20, 2020 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Used Car Purchase, No Title. Need Advice
Replies: 36
Views: 2975

Re: Used Car Purchase, No Title. Need Advice

I would send a letter to BMW's North America General Counsel politely explaining the problem and asking him to intervene. cc the dealership. https://www.bmwusanews.com/newsrelease.do?id=3280&mid=421 No way would I start with the GC office. Instead, contact BMW NA's VP for Aftersales or the VP for C...
by Cruise
Tue Oct 20, 2020 9:06 pm
Forum: Personal Consumer Issues
Topic: Meditation Guides?
Replies: 52
Views: 2095

Re: Meditation Guides?

Google "Autogenic Training."

Also, if you subscribe to Peloton (first month free), there are meditation and yoga classes, in addition to a lot of exercise classes. You don't need to buy the machines.
by Cruise
Tue Oct 20, 2020 8:42 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 519
Views: 68368

Re: What lifestyle creep made you happier?

sambb wrote: Tue Oct 20, 2020 8:00 pm ...car service at airports etc.
Yet another one I forgot! It is a great way to start a trip. And, when flying international, having a meet and greet service to speed trough customs via special lanes...
by Cruise
Tue Oct 20, 2020 2:07 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 412
Views: 27852

Re: Items that are worth the money for the quality

phinanciallyfit wrote: Tue Oct 20, 2020 12:01 pm ...and a professional grade knife sharpener.
Can you recommend one and a source? Thanks.
by Cruise
Tue Oct 20, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 412
Views: 27852

Re: Items that are worth the money for the quality

Posted earlier, but forgot this: Premium subscription to Expertflyer.com If you are a semi-frequent flyer, seek out specific seats on airplanes, or try to use miles for seats, it is worth every penny. Another solid post. Not only should you pick specific seats (remember not all seats in the same cl...
by Cruise
Tue Oct 20, 2020 11:31 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 519
Views: 68368

Re: What lifestyle creep made you happier?

Wannaretireearly wrote: Tue Oct 20, 2020 1:00 am
TresBelle65 wrote: Mon Oct 19, 2020 6:45 am A Nespresso coffee machine.
What are your fave pods? I'm looking for nespresso recommendations.
Cafecito de Cuba by a longshot. Followed by Ristretto.
by Cruise
Mon Oct 19, 2020 11:05 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 519
Views: 68368

Re: What lifestyle creep made you happier?

flaccidsteele wrote: Mon Oct 19, 2020 10:22 pm Cattle class is just a different kind of torment
Suggested Signature Line.
by Cruise
Mon Oct 19, 2020 6:16 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 412
Views: 27852

Re: Items that are worth the money for the quality

3. The Palace has its fans. There's also a new Four Seasons in the neighborhood. See https://www.flyertalk.com/forum/luxury-hotels-travel/1910955-tokyo-luxury-hotels-newer-consolidated-thread.html We were very impressed by the Aman - check it out if you're so inclined. We should try some different ...
by Cruise
Mon Oct 19, 2020 4:02 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 412
Views: 27852

Re: Items that are worth the money for the quality

Posted earlier, but forgot this:

Premium subscription to Expertflyer.com

If you are a semi-frequent flyer, seek out specific seats on airplanes, or try to use miles for seats, it is worth every penny.
by Cruise
Mon Oct 19, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 519
Views: 68368

Re: What lifestyle creep made you happier?

Infrared sauna at the house. Spent a lot of time researching and finally shot the lock off of my wallet and went for it. NO regrets. From reduced inflammation and stress to relaxation and detox. I'm still happy every time I use it which is almost every day. Interesting. Never heard of it, so found ...
by Cruise
Mon Oct 19, 2020 3:02 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 412
Views: 27852

Re: Items that are worth the money for the quality

Items worth the money for quality: 1. Home with a View: Nothing like seeing the sunset over the ocean every evening. Once experienced, it really limits future housing options. 2. Luxury Cruise Lines: I want to get away on a vacation, so a smaller ship allows me to do that compared to mass market cr...
by Cruise
Mon Oct 19, 2020 2:17 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 412
Views: 27852

Re: Items that are worth the money for the quality

Items worth the money for quality: 1. Home with a View: Nothing like seeing the sunset over the ocean every evening. Once experienced, it really limits future housing options. 2. Luxury Cruise Lines: I want to get away on a vacation, so a smaller ship allows me to do that compared to mass market cru...
by Cruise
Sat Oct 17, 2020 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Social security. Take it at 62 [Motley Fool article]
Replies: 222
Views: 19685

Re: Social security. Take it at 62 [Motley Fool article]

Parents both took SS at 62. One lived to 96 (blue-collar dad who couldn't wait to retire), the other to 78 (low-level clerical type). Break-even was around 78. https://www.cnbc.com/2018/08/13/those-social-security-break-even-calculations-can-be-misleading.html I took at 62 (white-collar professiona...
by Cruise
Sat Oct 17, 2020 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Social security. Take it at 62 [Motley Fool article]
Replies: 222
Views: 19685

Re: Social security. Take it at 62 [Motley Fool article]

Parents both took SS at 62. One lived to 96 (blue-collar dad who couldn't wait to retire), the other to 78 (low-level clerical type). Break-even was around 78. https://www.cnbc.com/2018/08/13/those-social-security-break-even-calculations-can-be-misleading.html I took at 62 (white-collar professional...
by Cruise
Sat Oct 17, 2020 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Splitting Expenses
Replies: 17
Views: 2635

Re: Splitting Expenses

Thanks to all the answers. Of course there is no right answer, i’m curious what others are doing in a similar situation. We are planning to get married next year, so that will solve any potential issue. But until then, i will probably split everything fifty fifty, regardless of the current situatio...
by Cruise
Fri Oct 16, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: Looking for online FAX service recommendations
Replies: 11
Views: 539

Re: Looking for online FAX service recommendations

OP: Years ago, I used eFax, and had no complaints. At the time, I was getting tons of faxs each week. Now, people email me and I have not had the need for incoming faxs. Re outgoing faxes, haven't needed--seems recipients always have a backup plan (mail, email).
by Cruise
Fri Oct 16, 2020 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for mortgage with "no income"
Replies: 39
Views: 4411

Re: Applying for mortgage with "no income"

Social Security (not including retirement or long-term disability)..... Can you explain what "SS, not including retirement or ltd" means? It's a statement from Fannie Mae. You can get the explanation from them. https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Un...
by Cruise
Fri Oct 16, 2020 1:13 pm
Forum: Personal Consumer Issues
Topic: Would you buy the newest Apple Watch if it's priced at $140?
Replies: 30
Views: 2134

Re: Would you buy the newest Apple Watch if it's priced at $140?

For those who find it life changing, how so? Were you active before you bought the watch? I've always been quite active but don't like really like technology when I'm working out. I don't think an Apple Watch is for me but this thread piqued my interested Always active. I originally got the watch b...
by Cruise
Thu Oct 15, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: Would you buy the newest Apple Watch if it's priced at $140?
Replies: 30
Views: 2134

Re: Would you buy the newest Apple Watch if it's priced at $140?

Get it. It may change your life. Seriously. At least way more than a traditional watch. Dunno about that, but since OP is a heavy Apple user I think it makes sense. Apple pay is convenient if you use it Integration with workout app and health records is nice, although some won't want to do that. I ...
by Cruise
Thu Oct 15, 2020 6:08 pm
Forum: Personal Consumer Issues
Topic: Would you buy the newest Apple Watch if it's priced at $140?
Replies: 30
Views: 2134

Re: Would you buy the newest Apple Watch if it's priced at $140?

Get it. It may change your life. Seriously. At least way more than a traditional watch.
by Cruise
Thu Oct 15, 2020 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: SS Survivor Spouse Calculation Beyond What's Posted on SSA Website?
Replies: 45
Views: 2364

Re: SS Survivor Spouse Calculation Beyond What's Posted on SSA Website?

I claimed at 62, getting a yearly payout of $25K My spouse, three years older than me, filed a restricted application at age 66, getting half of my full benefits. Today, my spouse received her first payout at age 70, which will be @ $45K per year. If I understand the opinions on this thread, if my ...
by Cruise
Thu Oct 15, 2020 12:25 pm
Forum: Personal Consumer Issues
Topic: Recommendations for an ankle-high, lace-up shoe
Replies: 9
Views: 1010

Re: Recommendations for an ankle-high, lace-up shoe

I've had two pairs of The North Face Berkeley boot. Most comfortable shoe of any kind I've ever spent time in:

https://www.thenorthface.com/shop/mens- ... ot-cdl0-c1
by Cruise
Thu Oct 15, 2020 11:36 am
Forum: Personal Finance (Not Investing)
Topic: SS Survivor Spouse Calculation Beyond What's Posted on SSA Website?
Replies: 45
Views: 2364

Re: SS Survivor Spouse Calculation Beyond What's Posted on SSA Website?

I claimed at 62, getting a yearly payout of $25K My spouse, three years older than me, filed a restricted application at age 66, getting half of my full benefits. Today, my spouse received her first payout at age 70, which will be @ $45K per year. If I understand the opinions on this thread, if my ...
by Cruise
Thu Oct 15, 2020 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Applying for mortgage with "no income"
Replies: 39
Views: 4411

Re: Applying for mortgage with "no income"

3of10 wrote: Wed Oct 14, 2020 8:56 pm Social Security (not including retirement or long-term disability).....
Can you explain what "SS, not including retirement or ltd" means?
by Cruise
Wed Oct 14, 2020 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: SS Survivor Spouse Calculation Beyond What's Posted on SSA Website?
Replies: 45
Views: 2364

Re: SS Survivor Spouse Calculation Beyond What's Posted on SSA Website?

I claimed at 62, getting a yearly payout of $25K My spouse, three years older than me, filed a restricted application at age 66, getting half of my full benefits. Today, my spouse received her first payout at age 70, which will be @ $45K per year. If I understand the opinions on this thread, if my ...
by Cruise
Wed Oct 14, 2020 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: SS Survivor Spouse Calculation Beyond What's Posted on SSA Website?
Replies: 45
Views: 2364

Re: SS Survivor Spouse Calculation Beyond What's Posted on SSA Website?

I've read this thread and also reviewed the SSA website. The SSA website left much to be desired. My question is, thankfully, hypothetical: If my spouse predeceases me, what will be my benefit? Particulars: I claimed at 62, getting a yearly payout of $25K My spouse, three years older than me, filed ...
by Cruise
Mon Oct 12, 2020 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Elder Care - Lopes Annuity or Trust
Replies: 15
Views: 1001

Re: Elder Care - Lopes Annuity or Trust

OP: Sorry to hear about your family's situation. I can't comment on some of your issues, but here are some thoughts from my experience: 1. Regarding attorneys, don't limit yourself to those that happen to join an association. Get referrals from other attorneys who are not in the area about which pra...
by Cruise
Mon Oct 12, 2020 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Putting property in trust for privacy
Replies: 29
Views: 1912

Re: Putting property in trust for privacy

UpperNwGuy wrote: Mon Oct 12, 2020 5:20 pm Why do people consider privacy to be so important? I do not.
You would if you dealt with the underside of society.
by Cruise
Mon Oct 12, 2020 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Putting property in trust for privacy
Replies: 29
Views: 1912

Re: Putting property in trust for privacy

OP: I was interested in hiding my current and future residential addresses to increase my family's personal security. Then I talked to my PI friend, who mentioned having a trust and registered agent as vehicles to promote opaqueness. However, in the end, the PI said if one were really intent in disc...
by Cruise
Mon Oct 12, 2020 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: PC breach and identity theft nightmare
Replies: 40
Views: 4802

Re: PC breach and identity theft nightmare

rustymutt wrote: Mon Oct 12, 2020 10:47 amFor the record I use Malwarebytes premium, and defender. This serves me as a reminder to think first, then click. Stay safe.
Can you explain how using these products serves as a reminder to think first?
by Cruise
Sun Oct 11, 2020 4:19 pm
Forum: Personal Consumer Issues
Topic: Has anyone chartered a private jet? Need info. . .
Replies: 45
Views: 4914

Re: Has anyone chartered a private jet? Need info. . .

Just one additional consideration about whether or not to fly private: The pilots flying for the major airlines and flying the largest planes tend to be way more experienced than those who pilot charter craft. Ditto for the mechanics and quality assurance personnel.
by Cruise
Sun Oct 11, 2020 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Social security. Take it at 62 [Motley Fool article]
Replies: 222
Views: 19685

Re: Social security. Take it at 62 [Motley Fool article]

A question to this knowledgeable group, just to confirm: I took my SS at 62 and my wife just took hers at 70 (first check is in the mail!). She was collecting 50% of my full benefits for the past four years. My question is, if she predeceases me, will I be eligible for 100% of her benefits, or some ...
by Cruise
Fri Oct 09, 2020 7:58 pm
Forum: Personal Consumer Issues
Topic: Best Apple Watch for Jogging & Podcasts
Replies: 25
Views: 1870

Re: Best Apple Watch for Jogging & Podcasts

Having had two Apple Watches, and being a student of the their marketing strategies, I'd recommend you get their latest Watch version, whatever that might be. Apple tends to introduce new features that are only compatible on the latest version or two.
by Cruise
Fri Oct 09, 2020 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about putting properties in a trust
Replies: 6
Views: 862

Re: Questions about putting properties in a trust

You can decide what assets are part of your trust.

Why you would exclude any is another issue.