Search found 195 matches

by retired recently
Wed Sep 21, 2016 4:41 pm
Forum: Personal Consumer Issues
Topic: Study Abroad program question
Replies: 34
Views: 1785

Re: Study Abroad program question

I think it would be great if she is able to spend a semester or year abroad. Unfortunately, many of us in the US are very insular and I really wish more folks went overseas when they were young. I would be surprised if it helps her in her future career though? I went to work in the Former Soviet Uni...
by retired recently
Thu Jun 23, 2016 8:28 am
Forum: Personal Consumer Issues
Topic: Using toll roads without transponder?
Replies: 19
Views: 1615

Re: Using toll roads without transponder?

I should have started the thread earlier and gotten a transponder I guess but we leave early tomorrow morning and I still need to pack and mow the grass :annoyed Although it seems if I had a transponder that would only work with certain states, not all, so not sure how much convenience it would add....
by retired recently
Wed Jun 22, 2016 8:10 am
Forum: Personal Consumer Issues
Topic: Using toll roads without transponder?
Replies: 19
Views: 1615

Re: Using toll roads without transponder?

I just looked at the first leg of the trip from NC to WI and it only takes an addl 50 mins to avoid the tolls...seems much easier to do it this way which is a shame as I would happily pay the tolls plus a reasonable surcharge...we will struggle to sort it all during our trip and will be gone for ove...
by retired recently
Wed Jun 22, 2016 7:49 am
Forum: Personal Consumer Issues
Topic: Using toll roads without transponder?
Replies: 19
Views: 1615

Re: Using toll roads without transponder?

Where we live in NC there are no toll roads (yet) so we do not have a transponder. Last summer, my wife accidentally took a toll in DC and I think ended up paying $15 for a pretty short trip. The toll itself was not bad but they tacked on penalties. Thanks for the list of toll roads, I will try to s...
by retired recently
Wed Jun 22, 2016 6:58 am
Forum: Personal Consumer Issues
Topic: Using toll roads without transponder?
Replies: 19
Views: 1615

Using toll roads without transponder?

Hi, Beginning this weekend, my wife and I will be driving from NC up to MN, then down through SD/CO into AZ then back up through NV/CA/OR/WA into Canada back to MN and then back to NC via KY/TN. We will encounter many toll roads along the way. I believe some of the toll roads require transponders or...
by retired recently
Fri May 20, 2016 5:31 am
Forum: Personal Consumer Issues
Topic: Las Vegas in July
Replies: 34
Views: 3280

Re: Las Vegas in July

Thanks so much for all of the replies. We booked a room at the Excalibur but will watch prices and potentially change hotels as we get closer. We live in NC and son is in a one month camp in MN. Wife and I are driving him to the camp and then continuing on with stops in SD, CO, AZ, NV, CA, OR, WA an...
by retired recently
Fri May 20, 2016 5:19 am
Forum: Personal Finance (Not Investing)
Topic: Major - Accounting or Finance
Replies: 41
Views: 280

Re: Major - Accounting or Finance

I worked for two of the Big 4 firms and during my career worked in both small and large offices. I liked the smaller offices better as you did get a variety of clients, assignments. Other than possibly some of the large consulting firms, I do not know anywhere else where such young inexperienced gra...
by retired recently
Tue May 17, 2016 5:00 am
Forum: Personal Consumer Issues
Topic: Las Vegas in July
Replies: 34
Views: 3280

Las Vegas in July

I will be travelling with my wife in July and we will be in LV on July 4. I was wondering if we need to book hotel rooms ahead of time or it would be ok (and potentially less expensive) to buy them a few days before we arrive? We are driving and staying in different cities in the West so packages, e...
by retired recently
Thu May 12, 2016 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to locate lost pension (or determine if eligible)
Replies: 8
Views: 973

Re: How to locate lost pension (or determine if eligible)

thanks very much for the advice. I am trying to get my uncle to contact Dana. I will let you know if we have success
by retired recently
Thu May 12, 2016 7:51 pm
Forum: Personal Consumer Issues
Topic: When is cash better than plastic?
Replies: 74
Views: 7247

Re: When is cash better than plastic?

surely everyone is not naive as to why folks are taking cash for payment...often they are not reporting it for taxes...it is ok if this is limited but if everyone catches on to the brilliant idea then the system fails...think Greece
by retired recently
Sat Apr 23, 2016 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to locate lost pension (or determine if eligible)
Replies: 8
Views: 973

How to locate lost pension (or determine if eligible)

My uncle, 71, worked for a division of Wix Corporation in the late 70's til early 80's and has all documentation regarding a defined benefit pension plan he was enrolled into. The documentation he has indicates he was fully vested in the plan before he terminated employment. Apparently he tried to c...
by retired recently
Tue Feb 23, 2016 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: [Working for] Big 4 Accounting Firms & Salary
Replies: 17
Views: 2938

Re: General Discussion: Big 4 Accounting Firms & Salary

I think the Big 4 is a great place for most to start their career and if they are able I think it is best to try and stick with the Big 4 until Manager. There are not many industries where you can learn so much about different industries and have the opportunities to interact with high-level execs t...
by retired recently
Fri Feb 19, 2016 9:12 am
Forum: Investing - Help with Personal Investments
Topic: HSA funds - experience with brokers on Wiki?
Replies: 5
Views: 328

HSA funds - experience with brokers on Wiki?

I have a bit more than $50k in an HSA that is in a money market. I would like to transfer these funds to a broker and invest the full amount into one Vanguard fund in accordance with my investment allocation. I do not intend to withdraw any amounts from the HSA for many years. The only transaction I...
by retired recently
Mon Feb 15, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: At what age for video games?
Replies: 29
Views: 2262

Re: At what age for video games?

Great question and I am not sure there is an answer. My son is 13 and our situation is the same as you describe in that he is a great student, v good in soccer and tennis and we live in an area with few kids. We have an older wii he plays infrequently but he has a few games on his ipad that complete...
by retired recently
Thu Feb 11, 2016 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Tips on how to get the most of my yearly performance review?
Replies: 28
Views: 3296

Re: Tips on how to get the most of my yearly performance review?

I worked in public accounting for two different big 4 firms. At the first firm, your supervisor would complete your review and then go over it with you and both of you would sign it. These reviews directly impacted your promotion and your salary. When I moved to the second firm, they had you do self...
by retired recently
Wed Feb 10, 2016 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating expenses in retirement
Replies: 31
Views: 2543

Re: Estimating expenses in retirement

My wife and I randomly pick one or two months per year and then track every expense. It does not take that much time and has been very interesting to go back and compare how much we spend now versus a few years ago. I agree with other posters that this is a very worthwhile effort for almost everyone...
by retired recently
Wed Feb 03, 2016 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 7731

Re: What age did you retire

41, wife did not work except for about a year after we were married when I was in early 30's
by retired recently
Fri Jan 01, 2016 5:43 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1080
Views: 179030

Re: What are you up YTD? [Year To Date]

I retired at 40 in 2008. This is the first year that my ending net worth was lower than the beginning balance, luckily on by a smallish amount. I would have still been up slightly for the year since given our spending.
by retired recently
Wed Dec 23, 2015 11:14 am
Forum: Investing - Theory, News & General
Topic: Saving money in a 22% interest foreign bank account vs stocks
Replies: 61
Views: 6246

Re: Saving money in a 22% interest foreign bank account vs stocks

I have a friend that lives in a Former Soviet Republic and he has done very well over the last decade with his dollar deposits and was able to get 15-20% returns. The country is oil-based and given low oil prices the local currency is weakening. The rate of return on dollar deposits is now around 7-...
by retired recently
Sat Nov 07, 2015 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Question for those who had hi salary and retired or semi retired young
Replies: 33
Views: 5653

Re: Question for those who had hi salary and retired or semi retired young

I was reasonably lucky that I had a relatively large cash position when I retired but I still was down about 10% right away. It was a tough time since we really were not sure how much we needed/wanted to spend on a monthly basis as we moved back to the US and everything was new for us. Basically, we...
by retired recently
Fri Nov 06, 2015 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Question for those who had hi salary and retired or semi retired young
Replies: 33
Views: 5653

Re: Question for those who had hi salary and retired or semi retired young

I retired 7 years ago at 40 and overall I am very glad that I did. I worked overseas so by retiring (and returning to the US) I no longer get to interact with many of my friends I had for years other than occasional visits - that is the part I miss the most. Financially we have lived off of earnings...
by retired recently
Tue Nov 03, 2015 5:43 am
Forum: Personal Finance (Not Investing)
Topic: 2016 HC.gov health insurance pricing is up
Replies: 51
Views: 5109

Re: 2016 HC.gov health insurance pricing is up

We are still eligible for a grandfathered plan, so for a family of 3 in NC our $10K deductible plan will increase from $490/month to $570/month or 16% increase which is much better than I thought it might be. We have never spent annually more than $1500 out of pocket for doctor visits, etc. so it do...
by retired recently
Tue Oct 27, 2015 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Potential estate dispute - relevant experiences?
Replies: 23
Views: 3604

Re: Potential estate dispute - relevant experiences?

The will is slightly more complicated than I initially mentioned as it gave one sibling (also a co-executor) the right to two properties at tax value. That sibling exercised that right and owns those properties and now owes the other siblings for these properties. The general understanding amongst t...
by retired recently
Tue Oct 20, 2015 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Potential estate dispute - relevant experiences?
Replies: 23
Views: 3604

Re: Potential estate dispute - relevant experiences?

They are really just not reasonable so there is little ability to negotiate/discuss. They really want to hold on to anything if you ask them about it but they are very slow, reluctant to act on the smallest things.
by retired recently
Sun Oct 18, 2015 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Potential estate dispute - relevant experiences?
Replies: 23
Views: 3604

Re: Potential estate dispute - relevant experiences?

Thanks for the feedback so far. The executors of the estate are the eldest daughter and son, not my dad. The estate is not very complicated and is yet to be settled but should be in the next month or two. My dad finally went and spoke to the relevant authorities to push for the closing of the estate...
by retired recently
Sun Oct 18, 2015 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Potential estate dispute - relevant experiences?
Replies: 23
Views: 3604

Re: Potential estate dispute - relevant experiences?

Thanks for your comments. The issue is that it is very unlikely there will be any movement whatsoever on the other properties which do have relatively significant value. Dad is aging and does not have as much time as some of his younger siblings...
by retired recently
Sun Oct 18, 2015 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Potential estate dispute - relevant experiences?
Replies: 23
Views: 3604

Potential estate dispute - relevant experiences?

My father has an upcoming appointment with a lawyer but I was hoping to get some feedback/ideas for him before he meets. My grandmother died two years ago and her will states that the four children are to share equally in her five properties. The estate has not been finalized yet but should be over ...
by retired recently
Sun Jul 05, 2015 6:54 am
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 25644

Re: Emergdoc on Mr. Money Mustache

It would be great if everyone went above and beyond when it came to environmentalism (eg., composting, reducing, recycling, combining trips, etc.) but most folks just cannot be bothered to do anything at all as it is inconvenient. If they truly do not believe humans can possibly impact the planet an...
by retired recently
Sun Jun 14, 2015 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Big Decision to Make
Replies: 58
Views: 10635

Re: Big Decision to Make

I agree with 2tall4economy, ignore those who have never worked o/s the US. I worked overseas for 13 years in the FSU, the last two years we moved to a country that is not as restrictive as Saudi Arabia but it was certainly difficult for my wife. It meant more savings and I was able to retire at 40, ...
by retired recently
Fri Jun 12, 2015 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Is my tenant trying to scam their renter's insurance company? (Fire Damage)
Replies: 44
Views: 5853

Re: Is my tenant trying to scam their renter's insurance company? (Fire Damage)

Many people think it is ok if the insurance company has to pay but then go crazy if their rates are increased. I would be honest with the insurance company and tell them I cannot detect any smoke and they can do their due diligence to determine if they want to pay or not.
by retired recently
Fri Jun 12, 2015 5:46 pm
Forum: Investing - Theory, News & General
Topic: Zimbabwe dollars are now worth something
Replies: 10
Views: 2127

Re: Zimbabwe dollars are now worth something

I lived in Russia when their currency devalued and had a lot of friends that lost significant savings. I would recommend to avoid making fun of others as it is a pretty terrible event.
by retired recently
Thu Jun 11, 2015 9:20 am
Forum: Personal Consumer Issues
Topic: Spendthrift trust
Replies: 7
Views: 947

Re: Spendthrift trust

bsteiner - thank you very much for your comments and information!!
by retired recently
Thu Jun 11, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: Spendthrift trust
Replies: 7
Views: 947

Spendthrift trust

My dad is revisiting his will and is concerned about my sister being able to handle any inheritance. He is considering having a will drafted which invests her inheritance in an annuity for her lifetime or setting up a spendthrift trust. He will see a lawyer to finalize but has some basic questions t...
by retired recently
Fri May 29, 2015 3:40 pm
Forum: Personal Consumer Issues
Topic: Best way to learn tennis for adult
Replies: 29
Views: 3045

Re: Best way to learn tennis for adult

My wife began playing tennis by signing up for lessons at the local recreation department. She still has some very close friends from those lessons and plays with them often. My son is a pretty competitive player but we have invested a small fortune into his lessons. I have not taught him racquetbal...
by retired recently
Fri May 29, 2015 1:08 pm
Forum: Personal Consumer Issues
Topic: Best way to learn tennis for adult
Replies: 29
Views: 3045

Re: Best way to learn tennis for adult

A somewhat similar sport to consider is racquetball. Great social sport if you are in the right area that has a facility with a few courts. Although, it seems to be a bit of a dying sport which is unfortunate. Great way to get a ton of exercise in a limited amount of time.
by retired recently
Sun Apr 26, 2015 6:00 am
Forum: Personal Consumer Issues
Topic: Has anyone been to Armenia or "Stans" such as Kazakhstan
Replies: 6
Views: 1105

Re: Has anyone been to Armenia or "Stans" such as Kazakhstan

I lived/worked in the area for a over a decade but did not make it to Armenia so I cannot say too much about it - from what I have heard an easy one to skip. I think most of Armenia is owned by Russia now and the country receives huge remittances from Armenians that live abroad, otherwise it would s...
by retired recently
Tue Apr 14, 2015 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign assignment Considerations
Replies: 10
Views: 1010

Re: Foreign assignment Considerations

I started out in the US and then transferred overseas with my company. I intended on doing a 2-3 year stint and stayed 14 years. I agree with what everyone else has mentioned and would add that depending on the company it can sometimes be hard to get your job back in the US as it is hard to maintain...
by retired recently
Tue Mar 31, 2015 5:17 pm
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 15331

Re: Hate where we live, do we make major changes?

I live in the South and it is true there are not a lot of sidewalks in the suburbs. Our neighborhood does not have sidewalks but if that was important to us there are plenty that offer sidewalks straight to the school so I would have picked one of those.
by retired recently
Tue Mar 31, 2015 2:19 pm
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 15331

Re: Hate where we live, do we make major changes?

This has been an interesting thread to me. I was born and raised outside of the Charlotte area then spent most of my career overseas. I lived in some very different cultures and pretty harsh environments but was paid quite well so I stayed until I could retire at 40ish and then moved back home. I wa...
by retired recently
Sun Mar 29, 2015 6:15 pm
Forum: Personal Consumer Issues
Topic: Car buying services - recommendations?
Replies: 14
Views: 2602

Re: Car buying services - recommendations?

We used fightingchance.com in 2008 and we were pleased and believe we did well with it. We bought a second car and would have used them again but we decided to get a used Prius, not new so did not use them.
by retired recently
Sun Mar 29, 2015 5:07 am
Forum: Personal Consumer Issues
Topic: Republic Wireless
Replies: 60
Views: 17034

Re: Republic Wireless

I started using RW about a year ago and was very happy so my wife joined about 6 months ago. I typically do not need to have the more expensive plan which enables me to access the internet all the time but I have changed the plan while travelling and then changed back when I returned home. Great so ...
by retired recently
Wed Jan 07, 2015 2:23 pm
Forum: Personal Consumer Issues
Topic: Slovenia And Croatia In May
Replies: 25
Views: 2179

Re: Slovenia And Croatia In May

donall wrote:Plitvice Lakes National Park (Plitvi─Źka Jezera) is one of Croatia's beautiful spots.


+1

Beautiful place. Highly recommend Trogir, Split (might be a bit chilly but you could go out to Hvar/Brac from here in any case), Korcula and Dubrovnik.
by retired recently
Mon Jan 05, 2015 12:20 pm
Forum: Personal Consumer Issues
Topic: Bilingual households
Replies: 39
Views: 6094

Re: Bilingual households

I speak English and my wife speaks three languages, including English. Our son's first language was Russian but we came back to the US when he was 5. We have had him going to Russian lessons about once per week during the school year - two hours on Sunday morning - and his Russian is pretty decent. ...
by retired recently
Tue Dec 23, 2014 6:26 am
Forum: Personal Finance (Not Investing)
Topic: What % of net worth is your home?
Replies: 127
Views: 13876

Re: What % of net worth is your home?

I am mid-40's and currently house approximates 8% of our net worth. As soon as my son goes to college it will be zero percent as I plan to sell and rent ;-)
by retired recently
Mon Dec 15, 2014 5:19 pm
Forum: Investing - Theory, News & General
Topic: Oil's future...
Replies: 56
Views: 7283

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
Tue Dec 02, 2014 6:21 am
Forum: Personal Consumer Issues
Topic: Would you move/stay for better school district?
Replies: 55
Views: 6645

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 6:09 am
Forum: Personal Finance (Not Investing)
Topic: How much homework is too much?
Replies: 14
Views: 1568

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
Sun Nov 09, 2014 7:06 am
Forum: Personal Consumer Issues
Topic: good time for a russian vacation package?
Replies: 6
Views: 1099

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
Thu Nov 06, 2014 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: New Amica discounts available
Replies: 26
Views: 4807

Re: New Amica discounts available

discounts not available in NC either

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