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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 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit your #, Still want to work, does your savings % change?
Replies: 47
Views: 3817

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 7:26 am
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 9030

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 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Do you have hardwood or tile in your kitchen?
Replies: 57
Views: 3120

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 7:21 am
 
Forum: Investing - Theory, News & General
Topic: Poll: When did you retire? Would you do it all over again ?
Replies: 103
Views: 10707

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 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Winston-Salem NC Rental Property
Replies: 3
Views: 258

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 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Croatia
Replies: 41
Views: 2316

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 9:58 am
 
Forum: Personal Consumer Issues
Topic: Expatriation or International Snowbirding
Replies: 40
Views: 3304

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 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Medical/Dental Tourism?
Replies: 91
Views: 4502

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 6:55 am
 
Forum: Personal Finance (Not Investing)
Topic: The bank took my $50 counterfeit money and gave me nothing
Replies: 90
Views: 7880

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 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Milestones - Would you have reached it without the "extra"?
Replies: 58
Views: 4066

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 11:53 am
 
Forum: Personal Consumer Issues
Topic: 2nd Car for local driving-suggestions please
Replies: 35
Views: 2264

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 7:34 am
 
Forum: Personal Consumer Issues
Topic: Object oriented programming for a high school junior
Replies: 82
Views: 4541

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 6:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Between Accounting and Engineering, better career?
Replies: 67
Views: 9443

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 6:37 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: 7948

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 5:36 am
 
Forum: Personal Consumer Issues
Topic: Visiting Costa Rica for a week in August
Replies: 14
Views: 1582

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 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Visiting Costa Rica for a week in August
Replies: 14
Views: 1582

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 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Does anyone here have experience buying tax liens?
Replies: 5
Views: 580

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 6:35 am
 
Forum: Personal Consumer Issues
Topic: Does anyone own a Hyundai?
Replies: 71
Views: 6490

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 4:24 pm
 
Forum: Personal Consumer Issues
Topic: lowered prices if paid for in cash
Replies: 38
Views: 2981

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 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Best place to buy and best brand of lawn mower?
Replies: 27
Views: 3148

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 6:22 am
 
Forum: Personal Consumer Issues
Topic: lowered prices if paid for in cash
Replies: 38
Views: 2981

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 5:12 am
 
Forum: Personal Consumer Issues
Topic: Adult "child" moved back home - avoiding failure to launch
Replies: 196
Views: 12465

Re: Can I retire?

I am 45 and retired; have been for 4 years. I have two kids, 15 and 10, and we live in a pretty low cost of living city. Since retirement, I have comprised a monthly balance sheet and as long as our assets equal or exceed our starting balance plus inflation plus 1% we live and spend as we want. As o...
by retired recently
Sun May 12, 2013 8:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 78
Views: 7641

[Tennis pro certification in NC. City vs. County funding?]

My son and wife have been taking tennis lessons from a coach for almost a year and they really like him. The coach is less expensive than others around and from what we have seen does a better job and we want to continue taking lessons from him. The lessons have been provided at various city facilit...
by retired recently
Sun Apr 14, 2013 11:46 am
 
Forum: Personal Consumer Issues
Topic: [Tennis pro certification in NC. City vs. County funding?]
Replies: 1
Views: 334

Re: europe trip

For international travel for a young family on a seemingly tight budget (standby, really?), I'd recommend Costa Rica instead of Europe. Europe will be crowded and expensive in most of the capital cities. I have traveled a good bit in Europe and just returned from Costa Rica. Very different experien...
by retired recently
Sat Mar 16, 2013 7:56 pm
 
Forum: Personal Consumer Issues
Topic: europe trip
Replies: 62
Views: 5270

Re: Winter getaway to Central America

My family and I just returned from Costa Rica. It was a great trip but I could not help comparing it to Thailand since we went there last year. It is much closer than Thailand so it is easier, but we felt Costa Rica was very overpriced for what you get. We were there for four weeks and travelled aro...
by retired recently
Tue Mar 12, 2013 8:09 am
 
Forum: Personal Consumer Issues
Topic: Winter getaway to Central America
Replies: 19
Views: 2163

Re: Anyone have experience in a tax lien auction

Just to follow up - I bid in the auction today and was the only bidder so I got the property for the taxes owed plus admin fees. I could be upset in 10 days, I doubt it though as the lot is not too nice and only an adjoining owner would really want it. I did not realize there was one being auctioned...
by retired recently
Thu Jan 24, 2013 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience in a tax lien auction
Replies: 12
Views: 1049

Re: Picking an online bank..

I have used Everbank for many years, probably around 10, and have always been very satisfied.
by retired recently
Wed Jan 16, 2013 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Picking an online bank..
Replies: 31
Views: 2729

Re: Anyone have experience in a tax lien auction

I finally reached the person responsible. It seems as if the county has searched for the heirs for some time and had no luck in locating anyone. The property has no other liens so it will be auctioned on the steps of the court house and the winning bidder gets the title. There is a 10 day upset peri...
by retired recently
Thu Dec 27, 2012 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience in a tax lien auction
Replies: 12
Views: 1049

Re: Anyone have experience in a tax lien auction

I have a call in to the person responsible for the county, she is listed as working over tax foreclosures for the County Tax Department. This department sent me a letter which is titled as a "Tax Foreclosure Auction" and within the document states it is owned by "unknown heirs of XXX&...
by retired recently
Thu Dec 27, 2012 9:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience in a tax lien auction
Replies: 12
Views: 1049

Re: Anyone have experience in a tax lien auction

Thanks MathWizard. I am quite happy to have the lot for about $4-5K in total. There are presumably 2-3 other adjoining owners that feel the same way. If my risk is only that someone pays me back then that is ok. Do you have experience in doing this or know someone that has done it? If they only have...
by retired recently
Fri Dec 21, 2012 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience in a tax lien auction
Replies: 12
Views: 1049

Re: Anyone have experience in a tax lien auction

I would happily pick it up at a bargain and wait for a year to see if they reclaim it. I doubt I will do anything with the other lots for at least a year. I realize you are not certain this is the case in NC but as far as a possible downside, it is not a bad one.

Thanks
by retired recently
Fri Dec 21, 2012 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience in a tax lien auction
Replies: 12
Views: 1049

Anyone have experience in a tax lien auction

I live in NC and have several small lots that I have held for a few years. I have no intention to do anything with these lots and will sell them at some stage. They are not worth a lot of money so I have not gotten around to doing anything with them. I received a letter from the county that an adjoi...
by retired recently
Fri Dec 21, 2012 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience in a tax lien auction
Replies: 12
Views: 1049

Re: North Carolina residents: property tax on cars

I found this ranking http://www.thedailybeast.com/newsweek/2012/05/20/america-s-best-high-schools.html and counted NY/NC high schools in the top 100 and came up with 17 vs 10, respectively. NY's population is twice that of NC so that would presumably account for some of it. Many of the states are su...
by retired recently
Fri Oct 26, 2012 6:41 am
 
Forum: Personal Consumer Issues
Topic: North Carolina residents: property tax on cars
Replies: 44
Views: 2150

Re: North Carolina residents: property tax on cars

My property tax rate has definitely decreased dramatically since I moved to NC. However, the quality of the schools has as well, so I'm calling it a wash. Were I to retire here, bad schools wouldn't bother me as much, so the lower property taxes would be all gravy. I agree that the schools in NC le...
by retired recently
Thu Oct 25, 2012 1:19 pm
 
Forum: Personal Consumer Issues
Topic: North Carolina residents: property tax on cars
Replies: 44
Views: 2150

Re: North Carolina residents: property tax on cars

I live in NC and on about $540K of property (home and cars) will pay about $3200 in property tax. Annual inspection fees run $25 per vehicle. That is not too bad I don't think.

I do not think NC is very expensive to live in...
by retired recently
Thu Oct 25, 2012 12:01 pm
 
Forum: Personal Consumer Issues
Topic: North Carolina residents: property tax on cars
Replies: 44
Views: 2150

Re: Job Change : Bank of America or Ernst & Young

I worked for 2 of the Big 4 and would agree that if you get the opportunity to work for EY, you should do it.
by retired recently
Mon Oct 15, 2012 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Job Change : Bank of America or Ernst & Young
Replies: 27
Views: 3142

Re: Travel in Thailand

We were very fortunate and spent about 4 days in Bangkok, 4 in Chiang Mai and the rest in Phuket. While in Phuket we spent 2 nights on a liveaboard out by the Similan Islands and I went scuba diving and my wife/son snorkeled. It was fantastic. I have a good friend that always does tours like you men...
by retired recently
Wed Oct 03, 2012 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Travel in Thailand
Replies: 4
Views: 579

Re: Travel in Thailand

I spent six weeks in Thailand with my wife and son earlier this year. I would recommend doing everything yourself, not so much to save money but I think you can then focus on what you like. What are your interests? Which parts of Thailand are you interested in seeing? Have you travelled frequently o...
by retired recently
Wed Oct 03, 2012 7:29 am
 
Forum: Personal Consumer Issues
Topic: Travel in Thailand
Replies: 4
Views: 579

Re: What was Your Starting Salary Out of College?

I started as a staff accountant with a Big 6 audit firm in 1992 making $51K in today's dollars.
by retired recently
Tue Aug 14, 2012 7:43 am
 
Forum: Personal Finance (Not Investing)
Topic: What was Your Starting Salary Out of College?
Replies: 151
Views: 8513

Re: POLL - Big4 Accounting Firm

I started with the Big 6 in the US and then transferred to the Former Soviet Union after 4 years. Eventually (at this stage it was the Big 4) I switched firms and was promoted to partner. I was an audit partner at first and then an audit partner plus ultimately responsible for several country practi...
by retired recently
Sun Aug 12, 2012 4:14 pm
 
Forum: Personal Consumer Issues
Topic: POLL - Big4 Accounting Firm
Replies: 10
Views: 1774

Re: A good problem, but a problem still....

is it possible to do a backdoor Roth if you have no earned income?
by retired recently
Wed Jun 27, 2012 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: A good problem, but a problem still....
Replies: 9
Views: 1617

Re: Medigap F for folks with "conditions"?

I helped my dad decide between the plans when he turned 65. It does seem like for the cost, plan F is definitely the way to go. I was surprised to learn that all Plan Fs are the same no matter the provider, as the premium differential is huge. Those with much higher premiums seem to say that they wi...
by retired recently
Tue Jun 19, 2012 8:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap F for folks with "conditions"?
Replies: 25
Views: 2068

Re: anyone here retired on a nice beach in Thailand?

the internet connectivity was very good. about the same as we have at home in the US, not noticeably better or worse
by retired recently
Thu Jun 14, 2012 6:50 am
 
Forum: Personal Consumer Issues
Topic: anyone here retired on a nice beach in Thailand?
Replies: 42
Views: 5306

Re: anyone here retired on a nice beach in Thailand?

I spent 6 weeks in Phuket at Karon Beach in February and March. Great vacation. Living there can be quite cheap or it can be a bit expensive - it all depends on you and your interests. We ate a lot of the street food and never experienced any sort of stomach problems and really enjoyed it. A few yea...
by retired recently
Wed Jun 13, 2012 1:56 pm
 
Forum: Personal Consumer Issues
Topic: anyone here retired on a nice beach in Thailand?
Replies: 42
Views: 5306

Re: Moscow: Get cash from ATM or exchange US Dollars?

I lived in Moscow for years and that is how I got my cash since my salary was deposited into my US bank. I never had a problem.

Great city. PM me if you have any questions on things there. Have a great trip!!
by retired recently
Sat May 26, 2012 7:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Moscow: Get cash from ATM or exchange US Dollars?
Replies: 10
Views: 1946

Re: refinancing a loan for someone

I appreciate the replies so far and will try to do a better job of explaining my thoughts and I do not know all of the details that I would need to know if I were to approach him about doing it. At this stage there has been some idle chatting between games we play. He is not underwater on his house ...
by retired recently
Thu May 24, 2012 9:48 am
 
Forum: Investing - Help with Personal Investments
Topic: refinancing a loan for someone
Replies: 11
Views: 1132

Re: refinancing a loan for someone

Thanks for your replies. At this stage he does not even realize I am considering making the loan. He mentioned that he plans to sell the house and as he lives nearby I have seen him making improvements in order to get the house on the market. It is a nice home on a sought-after lake. He said he is c...
by retired recently
Thu May 24, 2012 6:11 am
 
Forum: Investing - Help with Personal Investments
Topic: refinancing a loan for someone
Replies: 11
Views: 1132

refinancing a loan for someone

There is a guy I have known for a little more than a year through sports. He still has a first mortgage on his home and some HELOC's. He is considering selling his home but since his rates are not that great he plans on going to the bank to refinance all. I have been considering paying off the exist...
by retired recently
Wed May 23, 2012 9:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: refinancing a loan for someone
Replies: 11
Views: 1132

Re: Could you realistically make more after-taxes abroad?

I worked for a Big 4 (then Big 6) firm in the US and transferred overseas as I received a 50% increase in pay. I lived/worked abroad for just over 13 years and retired at just over 40 years old, just over 3 years ago. I had the right skills and was in the right place at the right time. I knew many U...
by retired recently
Sat May 19, 2012 9:42 pm
 
Forum: Personal Consumer Issues
Topic: Could you realistically make more after-taxes abroad?
Replies: 42
Views: 2531
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