Search found 275 matches

by SurferLife
Wed Feb 27, 2019 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?
Replies: 196
Views: 15945

Re: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?

We may or may not reach 120k spending in retirement, but if we don't get there, we'll be very close. For us, we are choosing to live in a HCOL area, Hawaii. We are buying land and building a 1500 sq ft house. For us, we will probably spend close to 50k/yr simply on our mortgage, our largest expense ...
by SurferLife
Wed Feb 27, 2019 11:02 pm
Forum: Personal Consumer Issues
Topic: Things to do in and around San Diego
Replies: 33
Views: 1981

Re: Things to do in and around San Diego

You've been given great recommendations that would take weeks to fulfill. Just a reminder in case you didn't know, San Diego is known for its tacos.
by SurferLife
Sun Feb 03, 2019 6:58 am
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 155
Views: 12182

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

You could put up some fencing in the back yard with a dog house and call it a day. Could also just put in a dog run outside.
by SurferLife
Sun Jan 27, 2019 8:09 pm
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 90
Views: 11788

Re: Living Abroad - Who's done it?

we've started to notice things we like here that would be different or hard to get in South America or Spain. I'm sure there are loads of things that we'd never think of until we get there. LOL. Oh yes, this is a big deal, at least for my wife. Thankfully, as military we can order most things from ...
by SurferLife
Sun Jan 27, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: wise to invest in a house or multi family out of state?
Replies: 6
Views: 727

Re: wise to invest in a house or multi family out of state?

We were in a similar predicament. During our last 5ish years before retirement, we talked and researched heavily where we'd want to live, while putting away as much money as possible for when we made the decision. We even planned trips out to 5 of the highest contender locations FL, TX, NC, WA, HI (...
by SurferLife
Thu Jan 17, 2019 2:24 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 58656

Re: John Bogle has died at age 89

Thank you, Mr Bogle, for everything that you've done in the investing world. Because of you, our family has a much brighter future, and opportunities to explore that never would have been there. You contributions to this world will benefit many generations to come.
by SurferLife
Fri Jan 04, 2019 12:59 am
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 90
Views: 11788

Re: Living Abroad - Who's done it?

we've started to notice things we like here that would be different or hard to get in South America or Spain. I'm sure there are loads of things that we'd never think of until we get there. LOL. Oh yes, this is a big deal, at least for my wife. Thankfully, as military we can order most things from ...
by SurferLife
Thu Jan 03, 2019 11:52 pm
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 90
Views: 11788

Re: Living Abroad - Who's done it?

I'm military and have spent the majority of my 20 years overseas. Though, my situation is slightly different because I have a community when I get there. I have also always lived on the economy. Living overseas is very different and for myself, had quite an impact on my worldview, for the better. I ...
by SurferLife
Sun Oct 28, 2018 12:13 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 5404

Re: Vehicle recommendations for long commutes in CO mountains

There’s a reason you see 4Runnners everywhere you go in CO, and old ones at that. That vehicle is home in that environment, and with the limited model you are always in 4WD. It may not be luxury enough for you, but the Lexus GX is a fine alternative. If you want a bit more off-road capability, you c...
by SurferLife
Mon Sep 17, 2018 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 11042

Re: Anyone else not save for cars?

We buy a car about every 15 years. With that in mind, we do not save for vehicle purchases, but rather, budget for regular maintenance. Once the time comes to get a new-to-us vehicle, we will have discussed it for months, if not longer, and will have made the appropriate money moves to buy it with c...
by SurferLife
Fri Sep 14, 2018 2:18 am
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 7113

Re: Buying a house 1 mile away from a municipal landfill

I ALMOST bought a house near a landfill. On a second visit, I went to go talk with one of the neighbors and it was then that I learned about the landfill. He said the smell wasn't usually bad, but if the wind was right, it could be rough. Also, and this was the real kicker, was that the house was on...
by SurferLife
Wed Sep 05, 2018 1:54 am
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 20270

Re: How to Retire in Your 30's with $1 Million in the Bank

That is the title of a Sept. 1, "NY Times" article. While some may believe that $1 million is a low number, the article is more about how young people become disenchanted with the rat race of work, live below their means, save, invest and leave the work force decades before most of us do. Many Bogl...
by SurferLife
Sun Aug 19, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 151
Views: 16388

Re: As an American, where are some great places in the world to retire?

We don't really feel like we fit in America, but also don't want to retire in a foreign country either. We chose Hawaii. It's like being overseas in another country, but it's still America. A good fit for us. Also bonus is low low property taxes and they don't tax military retirement. Housing IS pri...
by SurferLife
Tue Jul 24, 2018 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Is it possible to change one's career in their 40s?
Replies: 88
Views: 9138

Re: Is it possible to change one's career in their 40s?

I have been in IT for almost 20 years. My career has stagnated and I've been reading a lot of stuff about ageism in the IT industry. Some people on this very forum have posted that as well. Seems that after a certain point, the more experience one has is a liability. I have been thinking about stud...
by SurferLife
Sun Jul 22, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: I think it's time to cut the landline cord, how to do it?
Replies: 25
Views: 3350

Re: I think it's time to cut the landline cord, how to do it?

just a quick update, Our DSL is 1mbit/sec yes 1. We are very rural. Our cell phone internet is much faster. I use the cell wifi hotspot when doing large Windows or Office installs. We don't really need anything more than the cell phone speeds, frankly the DSL speed is fine most of the time. The kid...
by SurferLife
Sun Jul 22, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: I think it's time to cut the landline cord, how to do it?
Replies: 25
Views: 3350

Re: I think it's time to cut the landline cord, how to do it?

You can keep your DSL, go with cell service internet, or get cable internet if it's available to you. If you want to look into using your cell service for your home internet, you'll want to get a 4G/LTE router, Pepwave makes a good one. This converts the cell signal to wifi for your house. Verizon a...
by SurferLife
Mon Jul 16, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 11549

Re: Why own a bed?

We are looking for a new bed, a green one specifically. New mattresses have significant off-gassing of toxic chemicals that last years. I love a good foam mattress, but they off-gas quite a bit. There are more natural mattresses, like latex that don't do that, but are quite pricey unfortunately.
by SurferLife
Fri May 18, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Moving to Texas - [Request for clothes, car window tint] recommendations
Replies: 42
Views: 3989

Re: Moving to Texas - [Request for clothes, car window tint] recommendations

I'm not sure if you're going to be in the Austin area, but I had the best tint job ever done by Austin Tint: Address: 937 Reinli St #21, Austin, TX 78751 Phone: (512) 452-8468. I've had a lot of mediocre/bad tint jobs with a few good ones thrown in, but this guy is a total pro and meticulous beyond ...
by SurferLife
Tue May 15, 2018 1:05 pm
Forum: US Chapters
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 15261

Re: Yes, I'm 89 all right!

Happy Birthday, Mr. Bogle. Thank you for all you've done for our family. We have a wonderful future ahead, thanks to you.
by SurferLife
Thu Jan 18, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

Hey SurferLife: It sounds like you are approaching this big decision in a very methodical and sober way. I know we all wish you and your family the very best and I think I speak for others when I say it would be great to get some updates from you as you approach your retirement. Many of us will be ...
by SurferLife
Thu Jan 18, 2018 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

Did you read the AUW Alice report that I linked in a prior post on this thread. It’s really important to know what you are proposing for yourself, wife and the two kids you currently have plus any additions. The Report is VERY informative in terms of costs in Hawaii. How do you see the numbers in t...
by SurferLife
Thu Jan 18, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

That convinced me that your situation is more doable than I first thought. (saying that there was a decent chance your educated early 40's wife would choose to return to the workforce would probably have led to much less doom and gloom) Yes, but employment for my wife is hypothetical at this point ...
by SurferLife
Thu Jan 18, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

Be sure you have a plan B in case things don’t work out and you and wife could get jobs and find another place you want to live. Good luck! I'm planning for the worst-case financial scenario, which is us not working again. The truth is, my wife wants to do something. She's a lawyer by trade, but cu...
by SurferLife
Thu Jan 18, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

Last critique. Not going to say you can or can't, you want to and seem to be willing to make it work. I'm not versed in us military pensions, but what sort of shape would your wife be in if you happen to pass away in the next 10-15 years. It may be unlikely but it's something to think about and per...
by SurferLife
Thu Jan 18, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

. . . We desire to have a lifestyle where we can have a homestead, grow our own food, harvest water, have animals, etc... You can do this everywhere so long as you're not in most HOAs, but states really can make it more difficult than it should be with the amount of restrictions by state and local ...
by SurferLife
Thu Jan 18, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

Just thinking outside the box, have you considered west coast of USA? Meaning somewhere outside of Portland OR in either OR or WA? Portland itself is prohibitively expensive, but if you get out of commuter range-ish, better. You have good local schools. You have nice people. You have a mild climate...
by SurferLife
Thu Jan 18, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

I normally hesitate to chime in on these Hawaii threads. There are always many opinions bandied about and it makes me weary to read them. I also know that most people are going to do what they want to do, no matter what you tell them. When asking your opinion, they are often asking for your confirm...
by SurferLife
Thu Jan 18, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

Why it is worth any price for folks to live in Hawaii. OP: You're pretty solid, you can "make" it happen. """""Surf's UP !!! :D Took this shot up the road from my sometime place in Kailua. Dawn. 2 young surfers were just emerging from the water. Have it in my Getty/Adobe portfolio. Enjoy. :D https:...
by SurferLife
Thu Jan 18, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

"5. Having young kids, I may have underestimated the "cost of kids". Is there a good formula/method to use to forecast out their financial burden? What might be some of the bigger things I haven't thought of?" I'm not aware of any useful formula, but if you use your imagination and focus on this qu...
by SurferLife
Thu Jan 18, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

Or more for your money in Keaau, although with a bit more rain. https://www.zillow.com/homes/for_sale/92456715_zpid/19.600658,-154.924918,19.586649,-154.940132_rect/15_zm/1_fr/ Keaau is VOG city. Nearly warm volcano land. Thin topsoil. Some areas can't get property insurance if it's in a volcano zo...
by SurferLife
Thu Jan 18, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

leftcoaster wrote:
Thu Jan 18, 2018 8:48 am
You surf and get disability pay?
Well, I don't get disability pay, yet, but yes I will. There are many issues which are disability rated that don't impair surfing ability, like PTSD for example.
by SurferLife
Thu Jan 18, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

Just thinking outside the box, have you considered west coast of USA? Meaning somewhere outside of Portland OR in either OR or WA? Portland itself is prohibitively expensive, but if you get out of commuter range-ish, better. You have good local schools. You have nice people. You have a mild climate...
by SurferLife
Wed Jan 17, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

You seems to be moving the goal posts a bit, and missing some critical components. The $26k gap was your number. Now we are financing a $36k gap. Maybe you assumed different down payment sizes? At 21 years out they will collect social security. That may at least partially close the gap, if not comp...
by SurferLife
Tue Jan 16, 2018 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

Raabe34 wrote:
Tue Jan 16, 2018 9:58 pm
following.. didn't really understand just how the expensive the island was before.
and Big Island is the "cheap" one!
by SurferLife
Tue Jan 16, 2018 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

Hi! I have lived in Oahu for most of my life. I agree costs in our state are pretty high. I have a low risk tolerance and would personally be uncomfortable taking on high $800,000-1,000,000 debt when retiring with young kids. One of the things we made sure to do prior to retiring was pay off our mo...
by SurferLife
Tue Jan 16, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

Agree with marcpolo -- you are in a far better position than most are suggesting. Putting 20% down on an $800k house, you're left with ~$1M. Withdrawing ~3% per year and with your $14k surplus, your total annual housing costs would need to be less than $44k. Should be doable, though you may have to...
by SurferLife
Tue Jan 16, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

[You might find you could live in California or Florida for less than Hawaii and get what you're looking for. Cali was our first choice, and we looked extensively there with realtors, builders and all. It's only affordable if you live out pretty far east, and at that point, what's the point of bein...
by SurferLife
Tue Jan 16, 2018 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

One thing you might want to do is to look at your numbers as if you are buying instead of building. This would give you firmer numbers to work with and give you a better idea of what is possible. I would be cautious about the plan on homeschooling your kids to make this work since being able to do ...
by SurferLife
Tue Jan 16, 2018 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

There seems to be a lot of hyperbole here. Someone mentioned high property taxes. Hawaii has some of the lowest property tax rates in the country. There is a homeowner exemption, and I believe, disabled veterans (maybe the OP qualifies), pay very little property taxes. The $745/sq ft. build number ...
by SurferLife
Tue Jan 16, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

retire in Dallas (really??? I live just south of Dallas now; it's awful), what will I do all day I always find it semi-amusing when people recommend moving to a low-cost area instead of answering the questions being asked about a high-cost area but you have to admit that suggesting Tennessee or Tex...
by SurferLife
Tue Jan 16, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

downshiftme wrote:
Tue Jan 16, 2018 2:14 pm
Doug Nordman (early military retiree living in Hawaii) writes a blog about military retirement issues, and has some good information about early retirement in Hawaii.

https://the-military-guide.com/lifestyl ... -vacation/
Nords is great and I plan on emailing him directly.
by SurferLife
Tue Jan 16, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

Average single house construction cost in Honolulu is $760 per square foot, so for $500,000 you are looking at a 640 square foot house. Doing it yourself will be somewhat less, but permits and materials will, as you know, be quite dear. Also, building to earthquake & hurricane code can be a bit tri...
by SurferLife
Tue Jan 16, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Re: Can We Retire in Hawaii? Please Critique

Perhaps I should have asked for how do we do the math when it comes to drawing down our accounts most effectively. As far as critiquing our plan, it was more for the financial aspect, not the practical aspect of living on an expensive island with poor schools. However, here are the answers to some o...
by SurferLife
Tue Jan 16, 2018 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18960

Can We Retire in Hawaii? Please Critique

Looking for multiple sets of eyes to review our dream retirement plan and provide guidance on how to make it happen. We are a military family that is quickly approaching early retirement with great anticipation and trepidation. I will be retiring in 28 months, and our desire is to retire in Hawaii (...
by SurferLife
Sun Dec 31, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 76
Views: 8772

Re: My dad's army jacket

22 yr vet. I don't see a problem so long as you're not trying to imply that you served by wearing the jacket, which you have said you are not doing. Leave the patches on, take off the pins. When people ask you about it, just tell them the situation. You could always just try to wear it a few times a...
by SurferLife
Mon Dec 18, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 104
Views: 14648

Re: Any Instant Pot users here?

We have one and the wife uses it multiple times a week. She does yogurt in it flawlessly, and we used to use it a lot to make rice. Though, we ended up buying a Persian rice cooker so we could crunchy rice, something the IP can't do. We're not big meat eaters, but we still use the IP a lot for legum...
by SurferLife
Fri Dec 01, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: I met my first Retirement Savings goal
Replies: 26
Views: 2863

Re: I met my first Retirement Savings goal

Congrats! I hit 100k at 35, oh boy did I feel behind. You're doing great!
by SurferLife
Mon Nov 27, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Cyber Monday - Best Deals?
Replies: 6
Views: 1240

Re: Cyber Monday - Best Deals?

The other day I nearly dropped a hot dish using my clumsy old hot pads, so when I saw these oven gloves at 70% off I spent a whopping $11.95 on them. https://www.amazon.com/gp/product/B01ETWDHIG/ref=oh_aui_detailpage_o00_s00?ie=UTF8&psc=1 I've never seen these before, and they beat out our oven mit...
by SurferLife
Mon Nov 27, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Cyber Monday - Best Deals?
Replies: 6
Views: 1240

Cyber Monday - Best Deals?

Thought I'd start a thread for folks to post some of the better Cyber Monday deals that they've seen out there.
by SurferLife
Fri Oct 20, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 116
Views: 14410

Re: Converting to Safety Razors

I managed to pick up a vintage TTO razor and it works great. However, before I purchased it, I was using a really good razor from Maggard. Maggard Razors sells some of the best kits if you want to start using a safety razor. https://www.maggardrazors.com/product-category/de-starter-beginner-kit/ I h...