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Re: Oil's future...

I attended a conference several years back and I believe it was the chief geologist for ExxonMobil who spoke about supply and demand for oil and he touched on why he felt we had not reached peak oil, etc. At the end of his presentation someone from the audience asked him for his view on the price of...
by retired recently
Mon Dec 15, 2014 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: Oil's future...
Replies: 56
Views: 6067

Re: Would you move/stay for better school district?

When my wife and I moved back to the US we looked online to find the better school districts and purchased a home in one we liked. What the test scores do not reveal is that the school may do a great job of getting all or most kids to or above the state-mandated level, information is very difficult ...
by retired recently
Tue Dec 02, 2014 6:21 am
 
Forum: Personal Consumer Issues
Topic: Would you move/stay for better school district?
Replies: 55
Views: 4622

Re: How much homework is too much?

My wife and I were concerned that the school seemed to really never give any homework. A classmate's mom complained that her son was spending a couple of hours daily on his. It turned out that the teacher was giving homework but she also gave them time to do it in class which my son took advantage o...
by retired recently
Tue Dec 02, 2014 6:09 am
 
Forum: Personal Finance (Not Investing)
Topic: How much homework is too much?
Replies: 14
Views: 1377

Re: good time for a russian vacation package?

We visited Moscow and St Petersburg for a week this past summer and had a great time. Certainly it was safe and I am sure it is now.
by retired recently
Sun Nov 09, 2014 7:06 am
 
Forum: Personal Consumer Issues
Topic: good time for a russian vacation package?
Replies: 6
Views: 890

Re: New Amica discounts available

discounts not available in NC either
by retired recently
Thu Nov 06, 2014 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Amica discounts available
Replies: 26
Views: 2816

Automatic shutoff for water leaks?

Hi, I have had a few water issues since I have owned my house and was wondering if there are any devices that could detect either a leak in a pipe into my crawlspace or detect abnormal water usage and either sound an alarm or shutoff the pump? Unless I go into the crawlspace I would not know of a le...
by retired recently
Sun Nov 02, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Automatic shutoff for water leaks?
Replies: 4
Views: 862

Re: Money saved by buying a hybrid or electric car?

Our family driving will increase significantly over the next 3 years so we bought a used hybrid prius. Mileage has avgd 60/mpg which is quite a bit better than expected. When I calculated to see if we would save money by buying it, it seems we would have been better off to keep our car/truck and dri...
by retired recently
Sat Nov 01, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 6477

Re: Athens and London, what to do and where to stay?

I was in Athens years ago as transit on my way to Santorini. I would do it the same and spend a day or two max in Athens. It really depends on what your interests are though...London is hard to beat. If you are doing this as part of a larger trip and do not have to deal with jetlag so much then why ...
by retired recently
Fri Oct 24, 2014 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Athens and London, what to do and where to stay?
Replies: 36
Views: 2081

Re: EverBank

I have used them as my primary account for probably 10 years and am satisfied with them. Nothing extraordinary but better than BoA...
by retired recently
Fri Oct 24, 2014 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: EverBank
Replies: 13
Views: 2009

Re: Gross Yearly Income needed in Retirement (Speculation)

My wife and I live in a low COL area and own all outright. We spend about 110K-120K per year gross. Each year we typically take a "big" vacation which has cost in the neighborhood of $10-15K each year. We have an 12 year old and we pay about 1k/month for various education/recreation relate...
by retired recently
Fri Oct 24, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 13153

Re: Renting vs owning

I lived overseas for most of my working career and lived in a rental. When I moved back we bought a house after renting condos for a few years. I like the privacy a free standing home offers compared to the condo. The noise used to be nonexistent where I live until neighbors moved in with barking do...
by retired recently
Fri Oct 24, 2014 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting vs owning
Replies: 16
Views: 1878

Re: How often do you change your car's oil?

Our commute just increased significantly so I bought a used 2011 Prius. We are putting 5k miles on it about every 5-6 weeks and I have been using full synthetic and changing it every 5K miles. I think I might switch to Amsoil and increase the interval to 10 to 15K miles. My understanding is that lon...
by retired recently
Fri Oct 24, 2014 4:39 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12320

Re: Dubai trip

I have been there a few times but last trip was probably 7-8 years ago. At the time, I enjoyed the Wild Wadi water park which is right by the Burj Al Arab (hotel which looks like a sailboat). They have several malls which are interesting just to walk around in. My wife and I really enjoyed Dubai the...
by retired recently
Fri Oct 24, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Dubai trip
Replies: 11
Views: 1437

Re: Best place (with warm weather) to raise children

The problem with available information of school performance is that it typically shows how well the school does at getting their students above the state-mandated level of learning for a particular grade. If your child is much more capable than reaching the "bar" then it becomes very diff...
by retired recently
Tue Oct 21, 2014 6:14 am
 
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 73
Views: 5413

Re: want to live foreign country

of the countries I have visited Thailand would be at the top of my list. beautiful beaches, great food, nice people, weather is good, doctors seem to be good, relatively inexpensive...hard to beat unless you want to be closer to the US, in that case probably Mexico or Central America. I have spent s...
by retired recently
Sat Oct 18, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: want to live foreign country
Replies: 10
Views: 1392

Re: Career Advice - leaving public accounting

The first thing you need to do before leaving is to get your CPA and finish your education. You really should have done that already. Afterwards, if you are miserable and do not think you can do it any longer then find something else - life is too short. If you are highly rated, perhaps you can talk...
by retired recently
Sat Oct 18, 2014 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice - leaving public accounting
Replies: 8
Views: 1050

Re: What will you do when you retire?

I quit working for pay when I turned 40/41 but I have a young son that occupies quite a bit of my time. We are living in a smallish community for now in NC but when he goes to college we plan to sell our house and travel quite a bit assuming our health/money permits. My wife and I do play a lot more...
by retired recently
Sat Oct 18, 2014 8:28 am
 
Forum: Local Chapters and Bogleheads Community
Topic: What will you do when you retire?
Replies: 39
Views: 4340

Re: Kids & Sports

My son is almost 12 and he was quite similar to your son at that age. He was very hesitant to make contact in soccer so I enrolled him in wrestling for a few seasons. He always liked wrestling practices but did not enjoy the weekend matches/tournaments, so eventually we chose to only go to the pract...
by retired recently
Sat Oct 18, 2014 8:19 am
 
Forum: Personal Consumer Issues
Topic: Kids & Sports
Replies: 26
Views: 2361

Re: Hyundai vs. Toyota

I bought a 2009 Sonata and have been very pleased. We had a small warranty issue and it was fixed without any hassle at all. At the time we purchased the Sonata I felt it was a much better bargain than the Camry/Accord although the Sonata does not hold its value as well. This did not matter to me as...
by retired recently
Mon Oct 06, 2014 4:45 am
 
Forum: Personal Consumer Issues
Topic: Hyundai vs. Toyota
Replies: 45
Views: 5192

Re: Driving in Costa Rica

My family and I were near Arenal last march and rented a vehicle to drive us to another volcano (Arenal is dormant). Just be sure to get a GPS and the roads are not marked very well but otherwise the roads are fine. Have fun. We liked the Manuel Antonio area better than Arenal. I am sure Arenal was ...
by retired recently
Thu Aug 21, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Driving in Costa Rica
Replies: 23
Views: 1766

Re: Questions about fertilizing and seeding lawn

Thanks, the sections are somewhat separated from one another and there is a smallish one I could experiment with. I did not want to use roundup or chemicals to kill it so thanks for mentioning the plastic - I will try that. I am hoping I could avoid tilling it though...
by retired recently
Tue Aug 19, 2014 8:10 pm
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 21
Views: 1610

Re: Questions about fertilizing and seeding lawn

I live in NC and my lawn is mainly weeds. I will probably sell the house in 6-7 years and I was thinking of killing all and sowing grass a section at a time over a few years such that it will be in good shape by sell date. I am ok with weeds but presumably I will get a better price if I have a nicer...
by retired recently
Tue Aug 19, 2014 6:04 pm
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 21
Views: 1610

Re: Tropical vacation next winter with infant-where?

My wife and I took our son to Thailand for six weeks in '12 and then we spent four weeks in Costa Rica in '13. He was 9 when we took the trip to Thailand, so a lot older than your child. We traveled around both countries quite a bit while we were there. Flying to Thailand with a one year old could b...
by retired recently
Sun Aug 10, 2014 5:46 am
 
Forum: Personal Consumer Issues
Topic: Tropical vacation next winter with infant-where?
Replies: 40
Views: 2959

Re: advice on used prius purchase using Edmunds

Yesterday I bought a 2011 Prius with 30K miles on it for 17K plus another 700 for and inspection, tax, title and fees. I will need to replace the tires in a few months and I need to either do the recommended 30K maintenance or have it done at the dealership. Originally the guy was asking 19K for it....
by retired recently
Sat Jul 26, 2014 5:33 am
 
Forum: Personal Finance (Not Investing)
Topic: advice on used prius purchase using Edmunds
Replies: 5
Views: 667

advice on used prius purchase using Edmunds

My wife and I will now be driving about 80 miles twice a day during the week for the next three years. This commute is new for us and will only last for three years. We own a '09 Sonata (30mpg) and a '05 F150 (18 mpg) which have been fine up until now. The truck is not used that often but I intend t...
by retired recently
Thu Jul 24, 2014 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: advice on used prius purchase using Edmunds
Replies: 5
Views: 667

Re: declining job due to travel

Pardon the brief distraction, but I had a minor debate with someone over this. Do you usually refer to the Former Soviet Union as the "Former Soviet Union" or the "Soviet Union"? (i.e., without the "former"). The logic for the second name being that there's no need to ...
by retired recently
Fri May 23, 2014 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: declining job due to travel
Replies: 92
Views: 12254

Re: declining job due to travel

I do not know enough about your company or job but I would also question whether the assignment will be a long-term one. I worked in the Former Soviet Union countries and my job was essentially to train up the nationals. In my experience, the more successful companies tend to "localize" th...
by retired recently
Fri May 23, 2014 7:37 am
 
Forum: Personal Finance (Not Investing)
Topic: declining job due to travel
Replies: 92
Views: 12254

Re: declining job due to travel

I lived and worked overseas for many years so I am a bit biased. Clearly all time with kids should be valued but this offer does not seem to indicate it would be overly burdensome. If you were to lose your job would do you think you could easily find another at a similar salary? If so, and you think...
by retired recently
Fri May 23, 2014 6:58 am
 
Forum: Personal Finance (Not Investing)
Topic: declining job due to travel
Replies: 92
Views: 12254

Re: Hit your #, Still want to work, does your savings % chan

I retired at 40 and our lifestyle has not really changed in the years since I retired. Once my son is through college then maybe we will spend more than we do, but I am not so sure that we could simply ramp up spending. My wife and I are frugal by nature and expensive cars, etc do not really mean an...
by retired recently
Tue Apr 22, 2014 8:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit your #, Still want to work, does your savings % change?
Replies: 47
Views: 5362

Re: Why Americans are Retiring Overseas

I lived/worked outside of the US for a lot of my career, retired at 40, but came back to raise my son here. Since returning we have been fortunate to continue to travel. My wife and I plan to spend a lot of time overseas once our son enters college. Costa Rica is ok but I thought Thailand is much be...
by retired recently
Tue Apr 08, 2014 6:26 am
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 12938

Re: Do you have hardwood or tile in your kitchen?

We have hardwood and thanks to a slow leak in our fridge we did not catch I need to have the floors replaced/fixed in the kitchen. I was slow to get around to fixing the floor which turned out to be good since there was a leak in the wall which I caught quickly but still ruined the floor near my bed...
by retired recently
Sat Mar 29, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Do you have hardwood or tile in your kitchen?
Replies: 57
Views: 3591

Re: Poll: When did you retire? Would you do it all over agai

I retired at 40 and would definitely do it again. My health is much better and I have been able to spend so much more time with my family.
by retired recently
Mon Mar 10, 2014 6:21 am
 
Forum: Investing - Theory, News & General
Topic: Poll: When did you retire? Would you do it all over again ?
Replies: 103
Views: 11880

Re: Winston-Salem NC Rental Property

I lived in WS for a few years in the mid 90s and bought a condo there across from Miller Park in the Miller Park Circle Condominiums. I enjoyed living there and it was safe. Also very conveniently located as it is basically in Ardmore as the other poster mentioned. I did a google search and it seems...
by retired recently
Fri Feb 21, 2014 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Winston-Salem NC Rental Property
Replies: 3
Views: 277

Re: Croatia

Croatia is probably my favorite country of the 35ish I have visited. I have been there 5+ times. I liked it so much I almost bought a home there. The best vacation I ever took was when I flew in to Zagreb with friends, drove to Split, stopping for a night at the Plitvice Lakes (highly recommend). In...
by retired recently
Thu Feb 06, 2014 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Croatia
Replies: 41
Views: 2994

Re: Expatriation or International Snowbirding

I lived overseas for 13 years and was fortunate to travel quite a bit in Europe and to a smaller extent in Asia. My wife and I have a son who is 11 and we intend to stay put in the US until he leaves for college. As soon as he leaves, our plans are to downsize and begin travelling. We hope to live i...
by retired recently
Tue Jan 28, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: Expatriation or International Snowbirding
Replies: 40
Views: 4101

Re: Medical/Dental Tourism?

I was living overseas in 2007 and had the option of coming home to the USA or going to Thailand for a medical procedure. Cost was not really an issue as I had a great insurance plan. I chose to go to Bumrungrad and everything worked out very well in my situation (for a small fraction of the price) a...
by retired recently
Mon Nov 18, 2013 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Medical/Dental Tourism?
Replies: 91
Views: 4850

Re: The bank took my $50 counterfeit money and gave me nothi

I worked overseas for many years. A guy I had known/worked with for many years asked me if I could cash a check his father had received for some work he had done for the US Govt. I cannot recall the exact amount but the check was for a five or six thousand dollars. It was possible to deposit the che...
by retired recently
Fri Nov 01, 2013 5:55 am
 
Forum: Personal Finance (Not Investing)
Topic: The bank took my $50 counterfeit money and gave me nothing
Replies: 90
Views: 8978

Re: Milestones - Would you have reached it without the "extr

I was hired by a Big 4 audit firm out of college and spent 17 years working primarily overseas. I retired at 41 and never had a retirement plan/pension and will not get social security at least the amount I will get will be tiny and be computed on my years as a cook in a grill plus a few years in th...
by retired recently
Wed Oct 30, 2013 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Milestones - Would you have reached it without the "extra"?
Replies: 58
Views: 4142

Re: 2nd Car for local driving-suggestions please

Stay away from the Hyundai Elantra. I've made numerous trips to the dealer, paid for costly repairs on wear and tear items (rear brakes) for a 2012 car with less than 20k miles on the odometer. I will never buy a Hyundai again. We bought a 2009 Hyundai Sonata in summer 2008 and now have 125,000 mil...
by retired recently
Mon Sep 23, 2013 10:53 am
 
Forum: Personal Consumer Issues
Topic: 2nd Car for local driving-suggestions please
Replies: 35
Views: 2384

Re: Object oriented programming for a high school junior

My son is going on 11 and is learning Python through the AoPS websites Intro to Python course. It was probably a bit advanced for him as he struggled quite a bit with the homework. As I was concerned he would abandon the course, I contacted a local university and was able to get one of their CS stud...
by retired recently
Sun Aug 18, 2013 6:34 am
 
Forum: Personal Consumer Issues
Topic: Object oriented programming for a high school junior
Replies: 84
Views: 6392

Re: Between Accounting and Engineering, better career?

I highly recommend accounting/auditing if someone is able to ultimately get a job as an auditor with one of the Big 4 firms. The amount of training/learning you get working as an auditor for 5-6 years is hard to beat. The math of accounting/auditing is not overly complex but there is quite a bit of ...
by retired recently
Tue Aug 06, 2013 5:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Between Accounting and Engineering, better career?
Replies: 67
Views: 10286

Re: I think I just won the game … have I and what do I do ne

I retired in 2008 at 40 with $4.25 million plus enough to purchase our home which is around $500K. My wife, 2 kids and I have lived a pretty nice life since then and our assets have grown to $5.3 million plus the house. We spend about $100-$125K per year. We are somewhat frugal on most things but sp...
by retired recently
Tue Jul 16, 2013 5:37 am
 
Forum: Investing - Help with Personal Investments
Topic: I think I just won the game … have I and what do I do next?!
Replies: 55
Views: 8399

Re: Visiting Costa Rica for a week in August

driving is easy there just be sure you get a GPS. We rented from Alamo and it was v expensive, tried to use Vamos but their office always had an "away for lunch" sign on the door.

TRC wrote:Off all the tropical places I've been to, cost rica has had the nicest locals.


Give Thailand a try...
by retired recently
Thu Jun 27, 2013 4:36 am
 
Forum: Personal Consumer Issues
Topic: Visiting Costa Rica for a week in August
Replies: 14
Views: 1756

Re: Visiting Costa Rica for a week in August

My wife, son and I spent a month in CR in February. Nice country although quite a bit overpriced I thought. I agree with previous posters you can get specific advice on TripAdvisor although we found some of it can be false as it is written by owners and their friends. Manuel Antonio is very nice, we...
by retired recently
Mon Jun 10, 2013 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Visiting Costa Rica for a week in August
Replies: 14
Views: 1756

Re: Does anyone here have experience buying tax liens?

I recently bought two small lots at a tax foreclosure auction. It was pretty straightforward and time will tell but I think I got a pretty decent price on both properties. I paid less than I anticipated on both.
by retired recently
Thu Jun 06, 2013 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Does anyone here have experience buying tax liens?
Replies: 5
Views: 596

Re: Does anyone own a Hyundai?

My wife and I bought a 2009 Sonata and we have been very happy with it. No service issues to date and we have 101,000 miles on it. We get about 31 mpg usually. The best mileage ever was 36mpg on a long trip that was all interstate. I have a cousin who was driving a lexus but recently sold it (or I t...
by retired recently
Tue Jun 04, 2013 5:35 am
 
Forum: Personal Consumer Issues
Topic: Does anyone own a Hyundai?
Replies: 71
Views: 6651

Re: lowered prices if paid for in cash

I disagree but can understand that many folks prefer to look the other way if they can get a big discount by paying in cash. I think it is fair to say that by him saying he will not give a receipt he plans to keep it off the books, this is more than likely not a case of giving a cash discount to avo...
by retired recently
Mon Jun 03, 2013 3:24 pm
 
Forum: Personal Consumer Issues
Topic: lowered prices if paid for in cash
Replies: 38
Views: 2994

Re: Best place to buy and best brand of lawn mower?

My lot is an acre, including my house, and I have a 20 inch Lawnboy. I did not think my lawn was large enough and/or I was old enough to go the lawn tractor route - I look at it as a form of exercise. I am thinking of upgrading to a 21 or 22 inch self-propelled one this year or next. I have been eye...
by retired recently
Mon Jun 03, 2013 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Best place to buy and best brand of lawn mower?
Replies: 27
Views: 3885

Re: lowered prices if paid for in cash

For those of you who say that if others pay taxes it is not your concern - have you ever lived in places where many or most do not and/or do you realize what happens when folks don't pay? Think Greece or many of the former Soviet countries. I think it would be hard to turn down a large cash discount...
by retired recently
Mon Jun 03, 2013 5:22 am
 
Forum: Personal Consumer Issues
Topic: lowered prices if paid for in cash
Replies: 38
Views: 2994

Re: Adult "child" moved back home - avoiding failure to laun

Bungo, Sorry to hear of your problems and I hope everything turns out well. I have a 15 year old daughter, who lives with her mother several states away, that is doing pretty well in high school for the most part. She is not perfect and is beginning to assert herself...sometimes making bad choices.....
by retired recently
Fri May 31, 2013 4:12 am
 
Forum: Personal Consumer Issues
Topic: Adult "child" moved back home - avoiding failure to launch
Replies: 196
Views: 13029
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