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About goldendesign

  • Birthday 01/18/1983

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    Lemond Tourmalet, Giant Rincon

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  1. That's why I get the chocolate ones.
  2. I saw it at Costco last week. Was gonna buy it for the wife since she likes german beers. But it was kinda pricey. Went out for a nice dinner and several brews at one of the local breweries instead.
  3. Yeah, that's actually how I can say we've sailed the entire Caribbean (a few too small for cruises and two or three of the bigger British ones missing). When me and the Misses were first married it was how we vacationed. I actually had to look it up, the last one was 5 years ago, before my wife got pregnant. I was going to be stuck working over the entire holiday season so I flew her sister in and they took a 16 day Panama Cruise from before Christmas to after new years. It cost $850 per ticket and that included the drinks package and the "premium" excursion choices at each stop. Can't remember when we booked it but I remember there was very little time to buy the flight from Turkey. I think that cost more than both their cruises.
  4. Cruises past 14 days are too much. Only so much variety a buffet can offer before it gets tiresome. Traveling for a year on $60k is a heck of a deal though
  5. King douche. As with others who do not comply with your companies mandate; you're free to go. Have at it.
  6. Ha, I lived in Detroit for a time growing up and visiting Windsor was always a delight. The reason Europe is because of my wife is Turkish. This gets her closer to her family and possible support structure while still maintaining the high expectations of living. In Canada we would still be across the "pond" and beyond reasonable measures for her family to visit, or help if needed. Her immediate family is two sisters both with government jobs of long tenure. In Turkey you can retire when you've some number based on when you were born, number of years in government work, and the set retirement age for non government groups. For the elder sister that is 53 for the middle 56. Both of which is less than a decade away. The elder has a teenage daughter now and divorced, the middle no children or husband. They both live together already. They've both decided wherever my wife is that they want to all be together when the sisters hit retirement. They have several investment properties in Turkey above and beyond their current retirement pensions they would have. They could all afford to live together quite well in whichever European city they end up. So Europe it has to be since. As for costs; being interested with numbers I pulled a bunch of current COL reports and can confidently say that the COL index is higher in Denmark (no surprise there). With a median across 7 reports of 114 or in quantitative form; everything I will buy will cost 14% more. The median salary required to live in the city centers of Denmark, ideally we want to be in the small towns just outside either Copenhagen or Arhus, is about $5000 USD ,for a family of 4, which means we may not need two salaries as we have here in the US. Since the median salary for my job at my current experience level in Denmark is about $11,000 per month take the tax rate of 52.06% which gives us around $5200 a month to afford to live.
  7. Already working the network and building a CV that is Danish and Norwegian applicable. Both are on the list of countries we want to go to. I won't move until I have a job and the work visa secured. Then it'll be a frantic dash to sell all the assets we're not keeping and make the actual transition. I'd love to learn but right now I'll be stuck with english for the time being. From what I've read, seen (youtube), and experienced when I was there, this won't be an issue. Yeah they appreciate if you speak Danish but it's not like how the French actively shun you. The story you shared is both sad and a reality for too many. I know at best I have a decade. I need to work and love somewhere where my death isn't the reason for my families burden. In the US that seems likely, elsewhere it is less apparent. The major things we started planning after my diagnosis was how to fund my daughters education, fund a trust to help with things after I'm gone and give them an exit strategy to somewhere there is support. None of these were extremally likely here. Sure in 10 years I'll probably have her education, mostly paid for, and the house would be paid for but all the other incidentals would be left up to single income, single mom. In Denmark or another country that focuses on Social support, quality of life, and safety above most things, this seems more likely. Hell I might even live and then their stuck with me for the entirety of this wild ride.
  8. @shootingstar You make excellent points that are some we've considered and some we have not. I'll try to answer how we're approaching some of them: Language: English is widely spoken in Denmark. About 86% of the population considers themselves fluent in English as a second language. When we visited, about 7 year ago, I found it easy to communicate in all major areas and with a barely perceptible issue in several small villages we were in hours outside of any city center. For learning, my daughter is young enough she just absorbs language so we are hoping she'll have an easier time acclimating to learning Danish. Especially with the timing we are looking at she'll be entering primary school (first school age is 6) so will be there from the onset of primary education. Wife already is fluent 2 languages and conversational in two more. She should have a leg up on most. As for myself, well, I'm linguistically dumb. I can write code in 10 different "languages" yet get simple phrases in Italian and French mixed up when we traveled. I have hope that for the most part my broken Danish will suffice until we are established enough to take the Immigration language class they hold; it's a year and a half program that has a 90% success rate for non-natives to pass the language portion of immigration exam. We know there will be hardships involved, this isn't just an extended vacation. There will be adjustments. The average home size in Denmark is 1100 sq ft. For the last decade we've been in a home 3 times that size. But there are also things I look forward to. For us now, the closest grocer is just outside our neighborhood. Literally just outside the subdivision entrance road. It is a 15 min drive of 4 miles. That kind of "required driving" inconvenience will be a thing of the past. But of course that adds the complexity of public transportation and bicycles as primary transportation. I'm not worried about any health requirements; they don't have anything that prevents you from long term stay just because of a diagnosis (so my cancer is safe) and any other inoculations they may require can be had there for no cost. Yay socialized medicine.
  9. @Kirby All excellent points. I updated a list I have of things to know with a few. For the taxes I was planning on getting a financial planner/tax lawyer to help set up a few accounts. There is another youtube channel about a family that recently immigrated to Denmark from Chicago three years ago and they've been super helpful with information vlogs. One was to solicit the services of above if you plan on keeping investments stateside like 401k, stock and 529s as an example. Since I plan and soon after the wife will to work from Denmark the banking should be straightforward. Chase, our preferred bank in the US has branches in Denmark so they might not be our final selection but will probably be our first. We have talked about what assets to keep and leave and right now we are leaning on the clean break, just liquidate everything; house, cars, belongings, etc. Bring only minimal clothing and other items of personal nature and buy everything else fresh there. For the other taxing our income made in Denmark, I hadn't really thought about the US trying that. Honestly, I see this as the last move for me, maybe we'd go somewhere else in Europe once there but coming back stateside? Probably not. Probably not the wife either as she has more reason than me not to return. The daughter may and that's the main point of retaining and continuing to fund the 529, if she decides she wants to come stateside as an adult, she'll have the funds available to her. If not she can still liquidate them and use them to buy her first house since she won't need it to pay for college.
  10. English is the second language for Denmark. Day to day I shouldn't have an issue. My daughter is only 4 now so picking up Danish in primary school will be pretty straightforward for her. For citizenship you do need to pass a Danish language exam but a standard work visa is 4 years so if I can secure a job then I will have time to learn and fully integrate into the society. Funnily enough as I speak about this, you guys are the first people I am bouncing this off of, I got an official email from the Denmark Immigration service to join a Career Day career fair for Highly Qualified candidates. My current career is something currently sought after pretty heavily in a lot of countries so I think finding a job shouldn't be too difficult
  11. We're gravitating to Denmark. Several indexes and reports put Denmark as the best for the main areas we want: COL = Happiness, Social structures, weather, and others. This video was very helpful for us on the onset of this decision: We've both grown up in colder climates though for year round Denmark is on the whole both colder longer but not as cold as Michigan or Turkey (Ankara is about the same for the "how cold it actually gets", just for not as long)
  12. Long story short; terminal-ish cancer. Nodules are now 7 with 3 of them greater than 4mm, growing faster than they like but still a decent amount of time until my departure date.
  13. We're starting to look at this more seriously. With my eventual demise a high probability we're looking at exit strategies for wife and child. Reasoning is varied but for the most part it boils down to support, affordability, and access to social structures. Here in the US, regardless of your politics I'm sure most of you can agree, unless you can fend for yourself with a meaningful income (middle class if that even technically exists) with a job that offers stellar medical and/or have support of family you are in for a tough time as a single parent. We are more and more thinking we don't mind a hike in what we pay for taxes if we actually see something in return. Better access to healthcare, education, and other social nets. I'm not assuming that my family will be destitute after I am gone but they will be more limited and if moving to another country now can establish a few years as residents/citizens of a nation that benefits them, then I'm game. For all our travels we gravitate to the Scandinavian cultures. We loved Denmark and Norway as well as Sweden. There are plenty of tech companies where my skills are highly sought after, the cost of living may be high but the social benefits seem to far outweigh the additional expenditure. This would put family closer to relatives who want to help and can physically and financially help if needed too. For all the love I have for my immediate family I have reservations that when I'm gone they'll give a single shit about my wife or child. My parents at least on the surface love having a grandchild but in the end their 50 miles distance may as well be the ocean for how hard it is to convince them to come and visit her. It's always on us. Besides that their finances are suspect at best. If my wife we left as the sole provider they'd never be anything but an additional cost. My twin sister is, well herself. Again she loves being an Auntie but if the new boyfriend is still with the new-boyfriend-smell then we're so far from her mind she won't call for weeks. Elder sister is the same except also hundreds of miles away. I actually applied to my first job in Copenhagen. I have no illusions that I'd get this one but its a start of putting feelers out there. I understand on a surface level the requirements of immigration and am continuing to learn. Hopefully some conversations with headhunters or job interviews can illuminate other challenges we'll have to research.
  14. Prior to Brady with my team I hated both with a fiery passion that was the "bandwagoners" of jealousy. Everyone else hated on him and the Patriot's. It was easy to ignore the facts. I think the prior (pre-Bucs era) three seasons I for sure had multiple conversations where I talked about Brady's fading performance. Boy was I and many others wrong. Brady instilled a system, cultivated a new mentality amongst our coaching, front office, and players. The difference on and off the field for this team is truly astounding. I now believe in Brady as a leader of footballers. He may be silly in other areas, who isn't, it's not like the man is infallible. As a Buccaneers fan I am happy he came here and the effects are going to reverberate long after he is gone; hopefully.
  15. Hahaha, my shifting is only thanks to you at this moment. I'd have to buy something new, which at this moment is not in the cards
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