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I forgot doing mine when I was distracted and wasn't paying attention when I crossed the asset limit. They fined me $500 to catch up. That was the amnesty-style 'Late Filer Penalty Relief Program' fine. I'd let it go long enough that the calculated fine was insane. I terminated my plan when I...

After decades in MN (3 for me, 5 for DW) we moved our residency to SD when we went nomadic. SD actively encourages this and makes it very easy, only requiring physical presence 1 day every 5 years. The lack of a state income tax is saving us low five figures annually. We spend very little time...

I was very fortunate to experience the 2017 one. The kids were young enough that I think we had them miss the first day of school. Variable clouds all morning, then it cleared up as if on cue. I figure I'm not lucky enough to have that happen twice in my lifetime. So despite being less than a...

30, 4 Details... NW, not investments but we don't own a house we live in right now, so what's the difference, really. The first milestone would have been hit by 25 were it not for the big D. The second milestone was basically this month, so, yeah the first was the hardest!

Now I'm curious to see if my callable ones will in fact get called. I appreciate the OPs description of the terms because I wasn't particularly paying attention to them, mostly just the maturity dates. I paid par for all of them because I am not as smart as most of you on this thread, lol...

-0.15% (79/18/3)

I'm within a few lbs of my HS graduation weight. I gained about 15 lbs of muscle in my legs when I was running marathons in my early 30s, but those days are long gone.

For our car I used to do myself in the summer and take it in in the winter. The last quick lube place charged me over $90 for nothing but semi-synth oil (no conventional option with them) and filter. From now on I'll be doing my own changes on the car just like I do with everything else!

In January 2014, at my divorce, my NW was $0.127M. Exactly 10 years later it is $1.781M. Looking to hit $2M late this year, early next.

Selling our house forced the mother of all declutterings. Not having a fixed abode restricts our ability to ramp back up.

Wow, night and day.

Oh my, that sounds painful. I'm sitting in California right now but thanks for reminding me to never give them any ideas that I am anything other than an occasional visitor.

:coolsmiley: Sorry, didn't notice that. Guess we had the same cute idea. :laugh:

I can't fathom why one would pay state taxes when one doesn't live there. We left Minnesota in July 2023 when we sold our house and established South Dakota residency. South Dakota only requires one to be physically present 1 day every 5 years. We now have drivers licenses, voter registrations...

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No need to give up your US citizenship to live in Costa Rica. Permanent tourism with border runs every 180 days (recently up from 90) is tolerated. Residency is available through a number of programs based on SS/annuity/pension income (as low as $1000 a month), investment in RE or other (as low...

We love Costa Rica enough that we are starting to build our retirement home there this year. It's not for everyone and it has significant downsides. Most people that fall in love with the Pura Vida hype, with intentions of permanent relocation, leave after two years. There's excessive...

Having spent some weeks in the north end of the Permian Basin this winter I'd disagree with the assertion that Texas is full :laugh:

Woohoo! Congrats!

It's similar in Costa Rica. At every group of houses along an otherwise 80 kph wide two-lane you will encounter a school zone. There is generally no school within sight of the road, but the limit will drop to 40, or 25 'when students are present'. Nobody, except the very occasional and obvious...

Excellent work. The inexpensive cam I bought for our car has a 'parked mode' where its snoozing unless and until it registers any kind of vibration, I think. I've never used the mode but it seems like it would not have done as good a job capturing things as your situation. I now have it...

I hear ya. Haven't broached the subject with DW yet but one of our three models has slipped to Feb 2026 :( Still hoping for 7/4/2025 but hope <> plan.

I've only done very cursory research on CCRC in Costa Rica. Not cheap by Central American standards, but a fraction of the US. There are relatively few choices right now but expect more as the majority US & Canadian retirees currently there age up. I'm hoping we're 20+ years out from needing...

I am so sorry to read this. Who is the appeal with - this insurance co itself or a state entity?

Our checked case is purple and our hard-side carry-on, that we pack in anticipation of it being gate-checked, is orange. I can spot our bags from 100 yards. Could care less what anyone else thinks of the colors! DW loves purple and I love orange :dance: Laptops, toothbrush, and medications go...