Search found 325 matches

by retired recently
Sat Jan 19, 2019 6:33 am
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 65
Views: 7588

Re: Who's flying?

I have flown in and out of Charlotte in the last week and no differences at all. This seems to be another case of the media telling the story they want to be true and has little to do with reality.
by retired recently
Thu Jan 03, 2019 6:39 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8285

Re: Your ideal home size

I lived overseas for most of my working career and came back to the US with a wife and 5 year old son. We preferred smaller homes but the area that we wanted to be in due to the schools really did not have smaller homes so we ended up with a 4400 McMansion which my wife and I really dislike. Our son...
by retired recently
Sat Dec 22, 2018 5:42 am
Forum: Personal Consumer Issues
Topic: MoviePass Update
Replies: 16
Views: 1840

Re: MoviePass Update

My wife and I had subscription to MoviePass for about 9 or 10 months and we saw 3 to 4 movies each month on average. We cancelled it as we did not see many good movies and from looking at the pipeline were not impressed with what was coming out. It felt like we were wasting time by going to see the ...
by retired recently
Wed Dec 19, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 378
Views: 51936

Re: Fidelity free Turbotax

Same here. I have the amounts required in taxable but have yet to be able to get the offer.
by retired recently
Tue Dec 18, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5882

Re: Kid schooling - not learning much academically. Looking for suggestions.

It seems many BHs have very gifted kids.. Math-Investment bios? Bragging bios? Anecdotal cases aside, I'm surprised nobody looked at research between different types of education: https://www.cep-dc.org/cfcontent_file.cfm?Attachment=Wenglinsky_Report_PrivateSchool_101007.pdf It suggests there are n...
by retired recently
Tue Dec 18, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5882

Re: Kid schooling - not learning much academically. Looking for suggestions.

I think many parents want their kids to be challenged academically and with a cohort that is interesting for them. My son spent time at a charter school for sixth through eighth for academically gifted kids and he loved it. Now in a typical large public high school without any academic peers and he ...
by retired recently
Tue Dec 18, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5882

Re: Kid schooling - not learning much academically. Looking for suggestions.

Just interested, why no reference to 3rd world countries? Why can they not be referenced in your opinion?? Not sure if serious, but yeah, comparing the one of richest country in the world not with its peers but with the most destitute only for the purpose of feeling superior is beyond ridiculous. I...
by retired recently
Tue Dec 18, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5882

Re: Kid schooling - not learning much academically. Looking for suggestions.

That is not to say we shouldn't do better. I think we should. On average we are lagging, but I generally think that is not about accelerating the top end (it's capped) but pulling up the bottom end of the spectrum. I'm not sure we've ever consistently lead in the global education metrics, however. ...
by retired recently
Tue Dec 18, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5882

Re: Kid schooling - not learning much academically. Looking for suggestions.

There are charters specifically for gifted kids and those are much better than typical public schools mainly due to just grouping the kids so there is a strong cohort. Also, some public school systems will group their very top kids together and that can also be great. In our state, the charter schoo...
by retired recently
Tue Dec 18, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5882

Re: Kid schooling - not learning much academically. Looking for suggestions.

Just interested, why no reference to 3rd world countries? Why can they not be referenced in your opinion??
by retired recently
Tue Dec 18, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5882

Re: Kid schooling - not learning much academically. Looking for suggestions.

I'm curious. You said your kid qualified for AIME in middle school. That's pretty rare, maybe 0.01% of 8th graders and 0.001% of 6th graders. When you say that you don't expect him to get into a "tippy-top school" is it because the academic merit is insufficient, or is it instead because all the no...
by retired recently
Tue Dec 18, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5882

Re: Kid schooling - not learning much academically. Looking for suggestions.

If you go to almost any high school academic competition these days in the US, the best problem-solvers are Asian kids, typically males. I have read many studies that attribute this to everything from their parents being better educated than most to Asians having higher IQs on average. No idea why i...
by retired recently
Tue Dec 18, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5882

Re: Kid schooling - not learning much academically. Looking for suggestions.

Re college, nowadays everyone does have high SATs and numerous APs, etc but getting into the top 15 is out of reach unless your are a URM, lucky, a recruited athlete, a legacy, etc. So do not count on getting into a USNWR top 15 and realize that being successful can be done out of any college, depen...
by retired recently
Tue Dec 18, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5882

Re: Kid schooling - not learning much academically. Looking for suggestions.

I'll do a humble brag too...DS always liked math. In second grade we tried to get his public school teacher to challenge him better to no avail so we did it ourselves but kept pushing for him to get a differentiated program. Finally in fourth grade he had a supportive teacher and he wound up doing i...
by retired recently
Sun Dec 16, 2018 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Received letter from IRS saying I owe penalty charges from a foreign gift
Replies: 24
Views: 2816

Re: Received letter from IRS saying I owe penalty charges from a foreign gift

I just read the instructions on the Form 3520 and it is my understanding it is due on April 15.
by retired recently
Sun Dec 16, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Received letter from IRS saying I owe penalty charges from a foreign gift
Replies: 24
Views: 2816

Re: Received letter from IRS saying I owe penalty charges from a foreign gift

I also thought these returns were submitted annually, not within 90 days. I need to go back and look at the form too.
by retired recently
Sun Dec 16, 2018 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Passing assets to next generation, best way !!!
Replies: 23
Views: 1230

Re: Passing assets to next generation, best way !!!

I think it really depends on a lot of specifics of how much and what you want to pass and a lot would depend on the beneficiaries ability to handle anything passed to them and their age. Too vague to get meaningful responses.
by retired recently
Sun Dec 16, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Low flow shower head
Replies: 42
Views: 2462

Re: Low flow shower head

Wow, a 30 minute shower...at some stage hopefully folks will not only think of how much it costs but of the environmental cost as well...
by retired recently
Sun Dec 02, 2018 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Too Much Savings Regret
Replies: 112
Views: 17217

Re: Too Much Savings Regret

When I was in college one of my roommates and good friends was tragically killed in a car accident. At some stage afterwards, another roommate indicated I should study less and party more with him and used our friend as justification saying you never know when your time will come so best to have fun...
by retired recently
Tue Nov 27, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: ideas for a Xmas holiday in central Europe
Replies: 22
Views: 2137

Re: ideas for a Xmas holiday in central Europe

Last year, my wife, son and I went to Florence for 2-3 days, train to Rome for 2-3 days, incl a day trip to Pompeii. We then flew to Oslo for 3 days to see family for Xmas. Next we flew to Barcelona for 2-3 days, then train to Madrid for 2-3 days. It was great. I cannot recall the exact amount of ti...
by retired recently
Wed Nov 21, 2018 4:57 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating offer when you gave a number early in the interview
Replies: 23
Views: 2640

Re: Negotiating offer when you gave a number early in the interview

I used to hire quite a few people and if someone told me a number and then tried to increase it I would not have hired them. However, if you were to go back to them and tell them that things have changed as you have new offers which are much higher than what you previously indicated then I think tha...
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: 1608

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: 3736

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: 15188

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: 1608

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: 18465

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: 2327

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: 2461

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: 4994

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: 4994

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: 3875

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: 5333

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: 2592

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: 2217

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: 2217

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: 4843

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: 10543

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: 1918

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: 5570

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: 16550

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: 2333

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: 1370

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: 1370

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: 103
Views: 8789

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: 2674

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: 1498

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: 1498

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: 5763

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: 408
Views: 41687

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: 2853

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.