Search found 179 matches

by retired recently
Wed Feb 10, 2016 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating expenses in retirement
Replies: 24
Views: 1240

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: 6408

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: 753
Views: 111271

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: 5090

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: 5117

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: 5117

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: 4471

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: 3318

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: 3318

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: 3318

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: 3318

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: 3318

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: 23269

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: 9978

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: 5479

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: 1969

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: 803

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: 803

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: 2429

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: 2429

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: 1025

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: 882

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: 14266

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: 14266

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: 2455

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: 16558

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: 1991

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: 5776

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: 12757

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: 6984

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: 5668

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: 1469

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: 1002

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: 4280

Re: New Amica discounts available

discounts not available in NC either
by retired recently
Sun Nov 02, 2014 12:08 pm
Forum: Personal Consumer Issues
Topic: Automatic shutoff for water leaks?
Replies: 4
Views: 1029

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
Sat Nov 01, 2014 9:49 am
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 7683

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
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: 2947

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 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: EverBank
Replies: 13
Views: 2905

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 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 15426

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 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Renting vs owning
Replies: 16
Views: 2103

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 4:39 pm
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 15186

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 4:26 pm
Forum: Personal Consumer Issues
Topic: Dubai trip
Replies: 11
Views: 1661

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
Tue Oct 21, 2014 6:14 am
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 73
Views: 6895

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
Sat Oct 18, 2014 12:53 pm
Forum: Personal Consumer Issues
Topic: want to live foreign country
Replies: 10
Views: 1916

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 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Career Advice - leaving public accounting
Replies: 8
Views: 1620

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 8:28 am
Forum: Local Chapters and Bogleheads Community
Topic: What will you do when you retire?
Replies: 47
Views: 6902

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 8:19 am
Forum: Personal Consumer Issues
Topic: Kids & Sports
Replies: 26
Views: 2721

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
Mon Oct 06, 2014 4:45 am
Forum: Personal Consumer Issues
Topic: Hyundai vs. Toyota
Replies: 45
Views: 6110

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
Thu Aug 21, 2014 3:19 pm
Forum: Personal Consumer Issues
Topic: Driving in Costa Rica
Replies: 23
Views: 2044

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
Tue Aug 19, 2014 8:10 pm
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 21
Views: 1746

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...

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