Search found 304 matches

by retired recently
Sun Nov 11, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: secure land for donation for county park
Replies: 17
Views: 1584

Re: secure land for donation for county park

In my state, there was a recent large state gamelands/protected area announced. I am interested in purchasing land in the neighborhood of $250,000 but for the right piece of property would go higher. I would not want the land developed so I sent an email off to the Nature Conservancy asking if they...
by retired recently
Sun Nov 11, 2018 6:26 am
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3507

Re: International Travel during Maternity/Paternity

I was working overseas and my wife came to the US and lived with my dad to have my son. The medical care in the country I worked was not great. Our son was born and wife was able to get the passport quickly such that they flew back overseas after a few weeks ( I cannot recall exactly but it did not ...
by retired recently
Tue Nov 06, 2018 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14552

Re: How much money are you leaving your kids after you die?

I'm 50, wife is 43 and we have a decent amount but kids are not through college yet. Anything left certainly will be given to the kids but we hope that we can spend it all ($6+) ourselves. We are both frugal so there will probably be some to give them...
by retired recently
Wed Oct 17, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: secure land for donation for county park
Replies: 17
Views: 1584

Re: secure land for donation for county park

In my state, there was a recent large state gamelands/protected area announced. I am interested in purchasing land in the neighborhood of $250,000 but for the right piece of property would go higher. I would not want the land developed so I sent an email off to the Nature Conservancy asking if they ...
by retired recently
Sat Oct 13, 2018 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Can a US citizen be a resident of NO state?
Replies: 61
Views: 18115

Re: Can a US citizen be a resident of NO state?

I lived overseas for 13 years, moving from NC. I owned a rental property in NC so filed taxes only on the rental income the first few years. After I sold the property I stopped filing NC taxes but still used my father's address in NC. At some stage, NC sent me a notice that I owed taxes as they had ...
by retired recently
Tue Oct 02, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Adult kids getting help from parents
Replies: 36
Views: 2285

Re: Adult kids getting help from parents

Just turned 50. My dad paid almost all of my undergrad costs, except for some small loans I received that I paid back after graduating. I have received no other help and was happy to pay for two vacations for him (flights to come visit me when I was working in Moscow) and buy him a new Accord when h...
by retired recently
Sun Sep 30, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: city water sewer vs well septic
Replies: 36
Views: 2425

Re: city water sewer vs well septic

All else being equal, I would choose city water and sewer. With all of the chemicals folks like to spray on their lawns and flowers, wells run the risk of contamination. At least with the city water, they run tests on it regularly. We currently have well and a septic tank and have had no issues with...
by retired recently
Wed Sep 26, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 4883

Re: 2019 ACA prices out

duplicate
by retired recently
Wed Sep 26, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 4883

Re: 2019 ACA prices out

Family of 3 in NC. We have yet to have insurance ever pay anything for any of us (after 9 years) and so far we are all in great health. Not overweight, physically active, no smoking, etc. Our rate increased by 19 percent over last year. Now it is 820 per month. Deductible is a bit over 5k ind., 10 k...
by retired recently
Sun Sep 23, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3797

Re: How to get rid of rabbits

I would shoot them but not with lead bullets. I have a squirrel problem and use a pellet gun to control the population. I switched to copper pellets after I read that birds of prey often die from lead poisoning. I would definitely eat them (but I leave the squirrels in the yard and they are always g...
by retired recently
Mon Sep 10, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5273

Re: Advice on how to deal with barking dogs

I am not sure why but many dog owners do not seem to hear their dogs or have heard them so often they somehow tune them out. I like dogs but the sound of one barking is very irritating. It is a common problem where I live that seems to get worse each year.
by retired recently
Sun Aug 19, 2018 5:05 am
Forum: Personal Consumer Issues
Topic: Info on Al-Farabi Kazakh National University
Replies: 28
Views: 2564

Re: Info on Al-Farabi Kazakh National University

Tylenol Jones wrote:
Sun Aug 19, 2018 12:27 am
I try so hard not to make any reference to Borat documentary...
Do you really think that Borat was a documentary?
by retired recently
Wed Aug 15, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: Trip to Kazakhstan & Uzbekistan. Time to utilize a travel agent?
Replies: 24
Views: 2191

Re: Trip to Kazakhstan & Uzbekistan. Time to utilize a travel agent?

Borat really has nothing to do with Kazakhstan, it is a serious overstatement to even consider it an exaggeration. I was born in the USSR and have a personal connection to Alma-Ata (Almaty) even though I have never visited it. My reference to Borat was tongue-in-cheek as was my use of the word "exa...
by retired recently
Wed Aug 15, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: Trip to Kazakhstan & Uzbekistan. Time to utilize a travel agent?
Replies: 24
Views: 2191

Re: Trip to Kazakhstan & Uzbekistan. Time to utilize a travel agent?

I lived/worked in the Former Soviet Union for 13 years, including 2+ in Kazakhstan. I spent a bit of time in Tashkent but unfortunately did not get to travel around Uzbekistan, but it should be worth doing. I left in 2008 and have not been back so cannot speak to what has happened in the last decade...
by retired recently
Mon Aug 13, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to have “what if” discussion with retired parents?
Replies: 48
Views: 4718

Re: How to have “what if” discussion with retired parents?

Timely thread for us. My wife's mom died about 15 years ago, dad has been single since then and is 80. He lives overseas in a country where medical care is not great and there really are no nursing home facilities and for the past year his memory is definitely slipping, along with a general mental d...
by retired recently
Sun Aug 05, 2018 5:11 am
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 10418

Re: Few weeks into new job recieved significantly better offer elsewhere

It is easy to let money be the only important factor when you are young and I did as well but many years later I can definitely say that is wrong. From my experience, the key factors, in no particular order, would be if you like the people you will work with, at which job will you be able to learn m...
by retired recently
Fri Jul 27, 2018 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Routine Blood work with high deductible insurance
Replies: 25
Views: 1884

Re: Routine Blod work with high deductible insurance

Try your local health department. Mine is typically empty in the mornings and I get a very detailed blood tests for $50 to $60. They use Quest to do the analysis.
by retired recently
Sun Jul 22, 2018 5:33 am
Forum: Personal Consumer Issues
Topic: High voltage powerlines near house
Replies: 72
Views: 5524

Re: High voltage powelines near house

We found a house that we liked a few years ago but ultimately decided not to buy it due to high-voltage power lines being located right beside of the home. From looking online there was conflicting information on the safety of these lines and it was not worth the risk as there were plenty of other h...
by retired recently
Tue Jul 03, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 16415

Re: Retirement Destination - are you happy with your choice?

I was born and live in NC but lived overseas for quite some time. I never really noticed the humidity until I returned. It is not bad for me but many people really struggle with it so I would suggest spending a few summer weeks in any location before you move. Also, property taxes are low but we oft...
by retired recently
Sun Jul 01, 2018 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Experienced with Credit Card Fraud ? Need Advice
Replies: 21
Views: 2306

Re: Anyone Experienced with Credit Card Fraud ? Need Advice

I would want to make sure the person is saddled with the burden of defending himself to the extent I felt confident he was definitely guilty. If everyone takes the attitude of too much trouble then crimes will continue.
by retired recently
Sat Jun 30, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a time share/vacation rental in Mexico
Replies: 12
Views: 1360

Re: Selling a time share/vacation rental in Mexico

The siblings received my grandmother's entire estate which was valued at a bit more than $1 million. My understanding was that they could refuse to accept the timeshare but in this case the timeshare association would have a claim against the estate. In this case, she had 3 different ones; two were ...
by retired recently
Sat Jun 30, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a time share/vacation rental in Mexico
Replies: 12
Views: 1360

Re: Selling a time share/vacation rental in Mexico

My grandmother had a timeshare at one of the Pueblo Bonito locations in Cabo, not Sunset. We stayed at it and enjoyed Cabo very much. We did a tour of the Sunset property and it is beautiful but we liked the other locations as you could swim in the sea. At Sunset the waves looked pretty ferocious, p...
by retired recently
Thu Jun 28, 2018 5:11 am
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 81
Views: 7174

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

My wife and I typically prefer Airbnb to hotels as you usually get a better feel for the city. We have enjoyed using them all over the world and so far have not had any bad experiences. In the early days, Airbnb was almost always cheaper but we also look at comparable hotel/motel rates and now Airbn...
by retired recently
Wed Jun 27, 2018 5:40 am
Forum: Personal Finance (Not Investing)
Topic: anyone working overseas? pros-cons?
Replies: 22
Views: 2624

Re: anyone working overseas? pros-cons?

I worked in the Former Soviet Union for 13 years and would not change it for the world. Pros - money, culture, opportunity to see the world, language skills, new way of looking at things Cons - if you stay over long enough it is hard to come back to your job in the US (I was fortunate and retired at...
by retired recently
Tue Jun 26, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Thinking about 2019 trip to Dubrovnik, Croatia
Replies: 19
Views: 1488

Re: Thinking about 2019 trip to Dubrovnik, Croatia

Agree that Plitvice is amazing but it is a bit of a drive. I think given the limited time, Krk offers a nice alternative. About 15 years ago we flew into Zagreb, drove and spent the night in Plitvice then continued on to Split. In Split we had chartered a small yacht with a Croatian skipper who sail...
by retired recently
Tue Jun 26, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Thinking about 2019 trip to Dubrovnik, Croatia
Replies: 19
Views: 1488

Re: Thinking about 2019 trip to Dubrovnik, Croatia

You can rent a car and easily go south to Montenegro for one to two days which is worth doing or instead drive north towards Korcula. Really you need the full 10 days if not two weeks. Another alternative would be to fly into Split and spend a couple of days there. You can take a bus to Trogir which...
by retired recently
Sat Jun 23, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5716

Re: car for long-distance driving

My wife and I drove our Prius from NC out to California up into Vancouver over to Calgary and back going 8300 miles in a month and thought it was just fine. The Prius is a bit noisy compared to many cars if that bothers you. I am 5'6" so if you are tall it could also be an issue for you. We averaged...
by retired recently
Thu Jun 21, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 35813

Re: What is/ was your career and would you recommend it now?

I was a managing partner of a Big 4 audit firm and would highly recommend auditing for a Big 4 firm for anyone that likes accounting. The con is the working hours for sure as there are many late nights but there is ample down time too. The pros are the money is typically quite good, most of your col...
by retired recently
Mon Jun 11, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: How much to invest in elementary education?
Replies: 37
Views: 2782

Re: How much to invest in elementary education?

SimonJester wrote:
Mon Jun 11, 2018 10:20 am
To be honest, the effort you put in with your kids schooling / education at home will go a lot further then any school choice.
I think this is very true up through 7th-9th grade, depending on the kid. At some stage during high school, the cohort becomes very important.
by retired recently
Mon Jun 11, 2018 6:45 am
Forum: Personal Consumer Issues
Topic: How much to invest in elementary education?
Replies: 37
Views: 2782

Re: How much to invest in elementary education?

Our son went to a charter middle school, where entrance was based on scoring highly on an IQ test. He loved it there. I would not say the curriculum was very challenging and the highly ranked middle school is ranked highly almost exclusively due to the fact they have smart kids. The cohort of kids w...
by retired recently
Sun Jun 10, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: House sale by owner - Problems & Pitfalls?
Replies: 30
Views: 1820

Re: House sale by owner - Problems & Pitfalls?

I have known several friends and family that have both bought/sold without an agent and things worked well. We used an agent to buy our current home mainly as we were moving to a new area but I do not think she really did much at all. Nice lady that I liked but I saw very little value. When we were ...
by retired recently
Sat Jun 09, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2991

Re: Foreign language immersion daycare

I would consider it if it were nearby but probably would not do this given the commute as it is a lot of unnecessary time in a car for a small kid. Agree with many others that unless they have the opportunity to really use the language, it will be quite difficult to keep it. My son spoke Russian alm...
by retired recently
Mon Jun 04, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: How gameable is the FAFSA for the early retiree?
Replies: 24
Views: 2927

Re: How gameable is the FAFSA for the early retiree?

If our assets remain in the ballpark of where they are now, I am not too worried about paying. It would be quite uncomfortable though to be withdrawing a large chunk in the midst of a downturn although we have a relatively conservative allocation and money in 529s earmarked for college. The main poi...
by retired recently
Mon Jun 04, 2018 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: How gameable is the FAFSA for the early retiree?
Replies: 24
Views: 2927

Re: How gameable is the FAFSA for the early retiree?

I worked overseas most of my career and retired early at 40 in 2008. Most of my assets are in taxable accounts. I will not receive a pension and the amount of SS will be minimal as my creditable quarters were from my high school years and a few years of working after college in the US. Since returni...
by retired recently
Sat Jun 02, 2018 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Financial Strategy for temporarily moving out of USA
Replies: 7
Views: 904

Re: Financial Strategy for temporarily moving out of USA

I am a US citizen that lived overseas for 14 years, using my dad's address the full time I was away for all of my mail. I lived in NC, so did Dad, up until I moved away. During my time abroad, NC did try to assess taxes on me however I was able to demonstrate that my intention was not to return to N...
by retired recently
Fri Jun 01, 2018 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 19262

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

Due to grade inflation in high schools accompanied with the SAT being made easier it is difficult for the top kids to differentiate themselves. Even the SAT Math II score of 800 is awarded to 75% of the kids who take it.
by retired recently
Fri Jun 01, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Advice for assisting 18 year old son after high school
Replies: 70
Views: 5852

Re: Advice for assisting 18 year old son after high school

Good luck!!! Impossible to say what might work but ultimately he has to want it. It seems like you have coddled him his whole life and to a large extent are still going to do so. Nothing wrong with that with the right kid but oftentimes (as in my daughter's case), it does not work. I wonder how many...
by retired recently
Wed May 30, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9906

Re: Router hack, have you acted?

We turn ours off every night before going to bed. Hopefully, that provides us with some protection... Why would folks leave it on if you are sleeping? Why do you turn it off when you’re sleeping? I leave my router on overnight so my devices can download updates and computers can back themselves up....
by retired recently
Wed May 30, 2018 4:49 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9906

Re: Router hack, have you acted?

We turn ours off every night before going to bed. Hopefully, that provides us with some protection...

Why would folks leave it on if you are sleeping?
by retired recently
Mon May 28, 2018 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Please help. Private school contract woes.
Replies: 21
Views: 3492

Re: Please help. Private school contract woes.

Sorry you are in this spot!

From the private school's point of view, they reserved a spot for your son and now you are cancelling. Perhaps they can fill the spot, perhaps not, but I am sure they want to prevent this type of scenario so they rightfully make it a bit painful.
by retired recently
Wed May 16, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: How to think about schools/homes (Greatschools/Niche)
Replies: 70
Views: 5431

Re: How to think about schools/homes (Greatschools/Niche)

I would also be careful sending my kid to the lowest rated high school just to increase chances for high school. It really boils down to the individual kid. My son is a freshman at a 7/10 rated school and just finished taking AP Calc BC, AP Physics 1 and AP Comp Sci A. He gets along well with everyo...
by retired recently
Wed May 16, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 5745

Re: New motorcycle rider

I enjoy riding and did so for years but it became too dangerous as folks are seriously distracted these days so I sold mine last summer. I would recommend against riding a motorcycle.
by retired recently
Wed May 16, 2018 6:47 am
Forum: Personal Consumer Issues
Topic: How to think about schools/homes (Greatschools/Niche)
Replies: 70
Views: 5431

Re: How to think about schools/homes (Greatschools/Niche)

The problem I have seen with rankings of K-12 schools is that it does not show how well the schools will challenge accelerated kids. As with the SAT math, the state tests have compressed top student scores and there is a ceiling. We have seen many kids that are ready for additional challenges that d...
by retired recently
Mon May 14, 2018 5:22 am
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 5675

Re: College laptop for fall 2018 freshman

Son likes to program and has done so up til now using windows-based computers. We are buying him a MacBook Pro as it seems they are the computer of preference for many that program plus we thought he should know how to use both systems. Hopefully he likes it and it is a good machine as they are not ...
by retired recently
Mon May 14, 2018 5:12 am
Forum: Personal Consumer Issues
Topic: How to think about schools/homes (Greatschools/Niche)
Replies: 70
Views: 5431

Re: How to think about schools/homes (Greatschools/Niche)

My wife and I attempted to do this when we relocated by looking at school performance on state tests and learned this was a poor measure as it did not adequately identify schools that would challenge kids who were advanced. Our son is pretty good at math so if we had it to do over again, I would go ...
by retired recently
Fri Apr 27, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 11019

Re: How did you tell the boss you're leaving/retiring?

I gave a 3 year notice...very specific circumstances but it worked well for everyone.
by retired recently
Wed Apr 11, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Travel to Costa Rica
Replies: 19
Views: 2110

Re: Travel to Costa Rica

My family and I spent 3 weeks travelling around Costa Rica after having spent about 5 weeks doing the same in Thailand the year before. While I recommend going to both and if you have not been to one it is definitely worth a trip, we cannot wait to go back to Thailand but would probably pass on anot...
by retired recently
Sat Apr 07, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: How does one adjust salaries to account for housing costs when considering a move?
Replies: 24
Views: 1720

Re: How does one adjust salaries to account for housing costs when considering a move?

I worked overseas for a large consulting/audit firm and moved often. Early in my career I focused exclusively on the financial aspects but as I grew older I realized that while I always wanted more money it was not going to change anything really, other than more money in the savings account. At thi...
by retired recently
Sun Apr 01, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Does agent get paid if property taken by eminent domain?
Replies: 13
Views: 2248

Re: Does agent get paid if property taken by eminent domain?

Thanks very much for the very helpful replies!!! We are not yet certain if it will be a partial or full acquisition. The recent survey seems to indicate the DOT will take so much of the parcel (which is not too large, about 1.5 acres) they would have to take it all as there could be no real use afte...
by retired recently
Sat Mar 31, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Does agent get paid if property taken by eminent domain?
Replies: 13
Views: 2248

Re: Does agent get paid if property taken by eminent domain?

Thanks. We have talked about delaying everything. It is a proposal at this stage and must go through the process, so hopefully if it goes through it can be delayed. It does not seem that it should be a sale though, so just interesting how it works.