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 Post subject: Re: Monthly CR budget
PostPosted: Thu Feb 28, 2019 10:04 am 
Just Learning The Gulch!

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Seraph wrote:
HawaiiSquid wrote:
Thank you for the input/advice Seraph. I'm thinking about living in Heredia or Alajuela but SJ isn't completely off my list. I agree that walking cuts down on the transportation budget considerably. Taking the bus is a viable option too, don't you think? I don't drink, so that should save me some $ there.

For the first 6 or 7 year, I would need to live on a $2400-$2500 a month budget. Then that budget bumps up to $3000 because I'll receive a small retirement pension when I'm 57. Then in another 5 years I'll start to draw social security which (I'm assuming) will be another $500 a month bump, maybe more. That's $3500 a month to live on. I'm positive I can make $3000 and $3500 a month work. I'm not sure if CR will be my final resting place. I haven't been to Columbia or some of these other places people are recommending.


Where you live is mostly a matter of personal preference and what you're looking for. I view the city as a place of convenience... lots of stuff to do, places to go, plenty of girls, etc. Most importantly, you don't need a vehicle to go most places. Road transportation of all kinds in San Jose, in my opinion, sucks. It's not efficient and the roads are always clogged. The bus is cheap, but it can take forever to get anywhere. I am not usually in a hurry... I can be laid back... but I find it frustrating when I am wasting an hour or more on a bus or in a car. If I'm going to live in the city, then the main advantage of that to me is that I won't need a bus or a car to go most places that I want to go.

You'll definitely save money by not drinking. That adds up quickly. I do most of my drinking at home these days. Grocery store liquor is way cheaper than bar liquor.

$2500 increasing to $3500 per month is definitely doable for a rather nice lifestyle in SJ, Alajuela, or Heredia as long as you don't sink all of it into housing and don't have expensive tastes. A Tico making $40K per year is considered to be successful in most cases. I know that I could live a rather princely life in SJ on $3500/month.

Colombia is great. I live part-time in Cartagena now. I like a big city right on the coast. It's cheaper than SJ. You could live really nice here on $3500/month. Spanish in most of Colombia would be a must. You can get by with just English in SJ but that would be tough here. Other cities are cheaper than Cartagena because it's on the coast and is a tourist town. I know guys who live in Medellin for $1500/month or even a little less and they are happy.


Thanks for the advice. How did you end up in Cartagena? Was it on the recommendation of someone or did you discover it yourself? I’m wondering how all of that happens because everyone has an opinion on where to live. Obviously I can’t travel to all these places each time someone has a recommendation or it would blow up my travel budget. What was your process?

Thanks again for your help.


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 Post subject: Re: Monthly CR budget
PostPosted: Thu Feb 28, 2019 11:59 am 
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The "Successful" and "Self-Sustaining" Ticas online/Tinder that are interested in Gringos, are looking to be paid and or have things paid for. 2 Gringos at LA, last year found out the hard way. 1 found a Tica on Badoo and the other a Tica on Latin Cupid. Both ladies said they had good paying careers, no K*ds and their own apartments. The Gringos at the bar told these guys that the ladies will expect to be paid before they leave the hotel. "Oh no no no" "these ladies are not working chicas" "they just want to meet nice men". Well, both chicas wanted cien on their way out and made a scene when they got turned down. Such a scene that 1 Gringo paid the chica to shut up and leave. The other chica refused to leave the Gringo's room without pay. We could hear her yelling as he walked to the front desk to complain about her. La Policia ended being called to get her out of the hotel with 5mil for taxi, instead of cien!

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 Post subject: Re: Monthly CR budget
PostPosted: Thu Feb 28, 2019 1:27 pm 
Not a Newbie I just don't post much!
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Location: Honolulu, Hawaii & Cartagena, Colombia
HawaiiSquid wrote:

Thanks for the advice. How did you end up in Cartagena? Was it on the recommendation of someone or did you discover it yourself? I’m wondering how all of that happens because everyone has an opinion on where to live. Obviously I can’t travel to all these places each time someone has a recommendation or it would blow up my travel budget. What was your process?

Thanks again for your help.


I travel a LOT, and have had a chance to check out most of the world. Cartagena was just one of the places I happened to go through for the first time many years ago. I "clicked" with the city and visited again about 3 or 4 times in the following years.

The main attraction for me is that I like city life and I like being on the coast. Obviously, Costa Rica offers nothing in this regard. Cartagena is a big city (1 Million Plus), and is denser than San Jose, making it more city-like than anything in Costa Rica. I'm not bashing San Jose or CR here, just comparing the two since that's what we're discussing... I still like CR and San Jose just fine. Cartagena is definitely right on the coast with plenty of major city (including the old city) right at the beach. You can quite literally walk from the airport to a bar on the beach in about 15 - 20 minutes.

Generally, there's lots to do. It's a tourist town. There is lots of domestic tourism here, which means lots of Colombianas on vacation and looking to party. Although there isn't anything here as concentrated as the "red zone" of downtown San Jose (Amon, etc.), there are lots more girls overall and a lot more variety of venue. Medellin still gets most of the serious mongering attention, but there is plenty of it here and it is growing. It's better for those who are looking for a more relaxed atmosphere and meeting girls a bit more casually than at Del Rey or the Sportsmens. There are quite a few bars that have that Sportsmens-type vibe, which I generally like.


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 Post subject: Re: Monthly CR budget
PostPosted: Thu Feb 28, 2019 4:00 pm 
Just Learning The Gulch!

Joined: Thu Feb 14, 2019 3:30 pm
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Seraph wrote:
HawaiiSquid wrote:

Thanks for the advice. How did you end up in Cartagena? Was it on the recommendation of someone or did you discover it yourself? I’m wondering how all of that happens because everyone has an opinion on where to live. Obviously I can’t travel to all these places each time someone has a recommendation or it would blow up my travel budget. What was your process?

Thanks again for your help.


I travel a LOT, and have had a chance to check out most of the world. Cartagena was just one of the places I happened to go through for the first time many years ago. I "clicked" with the city and visited again about 3 or 4 times in the following years.

The main attraction for me is that I like city life and I like being on the coast. Obviously, Costa Rica offers nothing in this regard. Cartagena is a big city (1 Million Plus), and is denser than San Jose, making it more city-like than anything in Costa Rica. I'm not bashing San Jose or CR here, just comparing the two since that's what we're discussing... I still like CR and San Jose just fine. Cartagena is definitely right on the coast with plenty of major city (including the old city) right at the beach. You can quite literally walk from the airport to a bar on the beach in about 15 - 20 minutes.

Generally, there's lots to do. It's a tourist town. There is lots of domestic tourism here, which means lots of Colombianas on vacation and looking to party. Although there isn't anything here as concentrated as the "red zone" of downtown San Jose (Amon, etc.), there are lots more girls overall and a lot more variety of venue. Medellin still gets most of the serious mongering attention, but there is plenty of it here and it is growing. It's better for those who are looking for a more relaxed atmosphere and meeting girls a bit more casually than at Del Rey or the Sportsmens. There are quite a few bars that have that Sportsmens-type vibe, which I generally like.



Thanks for the detailed response Seraph. Good food for thought. Do you think you could live okay in Cartagena on $2400-$2500 a month? I won't hit the $3500 a month for another 10 years.


The Devil whispered to me, “I’m coming for you.” I whispered back, “Bring pizza.”


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 Post subject: Re: Monthly CR budget
PostPosted: Thu Feb 28, 2019 6:33 pm 
Not a Newbie I just don't post much!
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Location: Honolulu, Hawaii & Cartagena, Colombia
HawaiiSquid wrote:

Thanks for the detailed response Seraph. Good food for thought. Do you think you could live okay in Cartagena on $2400-$2500 a month? I won't hit the $3500 a month for another 10 years.



You're welcome. Always glad to help out.

For the same standard of living, doing the same things, etc. Cartagena is a bit cheaper than San Jose. On $3000/per month you'd maybe have $200 - $300 more left over for discretionary spending. It's important to note that it's tempting to spend more on a nice apartment here than in San Jose because of the advantages of view, proximity to beach, etc. and that can eat into your discretionary budget.

A couple cons of Cartagena: You lose the network of fellow expats. There aren't that many here, and they don't really network that well. I don't know any expats here well at all and don't run into them that often, either. If you see a gringo he's usually here temporarily on business or on vacation. You will need air conditioning. It gets hot here. That adds to your electric bill and may affect how often you want to be outside.


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 Post subject: Re: Monthly CR budget
PostPosted: Thu Feb 28, 2019 7:17 pm 
Just Learning The Gulch!

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Seraph wrote:
HawaiiSquid wrote:

Thanks for the detailed response Seraph. Good food for thought. Do you think you could live okay in Cartagena on $2400-$2500 a month? I won't hit the $3500 a month for another 10 years.



You're welcome. Always glad to help out.

For the same standard of living, doing the same things, etc. Cartagena is a bit cheaper than San Jose. On $3000/per month you'd maybe have $200 - $300 more left over for discretionary spending. It's important to note that it's tempting to spend more on a nice apartment here than in San Jose because of the advantages of view, proximity to beach, etc. and that can eat into your discretionary budget.

A couple cons of Cartagena: You lose the network of fellow expats. There aren't that many here, and they don't really network that well. I don't know any expats here well at all and don't run into them that often, either. If you see a gringo he's usually here temporarily on business or on vacation. You will need air conditioning. It gets hot here. That adds to your electric bill and may affect how often you want to be outside.



Good points! I think early on I'll need a good network of ex-pats since I don't know Central America for cr@p. I didn't mention it here, but in another post I mentioned that I spent 16 weeks in 2018 in CR. That made me realize how much my Spanish sucks (even though my Tagalog is good). After I get a lot more Spanish under my belt, maybe I can venture out further than Alajuela and Heredia. lol

I'd like to live near a beach somewhere like Tamarindo, Puerto Viejo, etc., but I have to keep in mind that I'm not getting any younger and eventually I'm going to have to move back near a good hospital. Hopefully that's years away, but it's something that I have to take into consideration at some point down the road.

Anyway, thanks again for the advice. I appreciate it.

The Devil whispered to me, “I’m coming for you.” I whispered back, “Bring pizza.”


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 Post subject: Re: Monthly CR budget
PostPosted: Thu Feb 28, 2019 8:33 pm 
PHD From Del Rey University!

Joined: Tue Dec 28, 2004 5:55 pm
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HawaiiSquid wrote:
Seraph wrote:
HawaiiSquid wrote:

Thanks for the detailed response Seraph. Good food for thought. Do you think you could live okay in Cartagena on $2400-$2500 a month? I won't hit the $3500 a month for another 10 years.



You're welcome. Always glad to help out.

For the same standard of living, doing the same things, etc. Cartagena is a bit cheaper than San Jose. On $3000/per month you'd maybe have $200 - $300 more left over for discretionary spending. It's important to note that it's tempting to spend more on a nice apartment here than in San Jose because of the advantages of view, proximity to beach, etc. and that can eat into your discretionary budget.

A couple cons of Cartagena: You lose the network of fellow expats. There aren't that many here, and they don't really network that well. I don't know any expats here well at all and don't run into them that often, either. If you see a gringo he's usually here temporarily on business or on vacation. You will need air conditioning. It gets hot here. That adds to your electric bill and may affect how often you want to be outside.



Good points! I think early on I'll need a good network of ex-pats since I don't know Central America for cr@p. I didn't mention it here, but in another post I mentioned that I spent 16 weeks in 2018 in CR. That made me realize how much my Spanish sucks (even though my Tagalog is good). After I get a lot more Spanish under my belt, maybe I can venture out further than Alajuela and Heredia. lol

I'd like to live near a beach somewhere like Tamarindo, Puerto Viejo, etc., but I have to keep in mind that I'm not getting any younger and eventually I'm going to have to move back near a good hospital. Hopefully that's years away, but it's something that I have to take into consideration at some point down the road.

Anyway, thanks again for the advice. I appreciate it.

The Devil whispered to me, “I’m coming for you.” I whispered back, “Bring pizza.”


Most ex-pats seem willing to help, but that does not necessarily mean that the advice they give is always on the mark. Don't be so quick to accept information at face value... do some of your own research... or get a consensus of opinions. It would be ideal to find a trustworthy local to help you navigate... but the operative word is "trustworthy." Even if you speak excellent Spanish, that is not always enough to understand the Latin mind (and the way it works) or their "coded" language and behavior. Even after living in Colombia for years, I still find myself committing faux pas on a daily basis.


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 Post subject: Re: Monthly CR budget
PostPosted: Thu Feb 28, 2019 8:53 pm 
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BlueDevil wrote:

Most ex-pats seem willing to help, but that does not necessarily mean that the advice they give is always on the mark. Don't be so quick to accept information at face value... do some of your own research... or get a consensus of opinions. It would be ideal to find a trustworthy local to help you navigate... but the operative word is "trustworthy." Even if you speak excellent Spanish, that is not always enough to understand the Latin mind (and the way it works) or their "coded" language and behavior. Even after living in Colombia for years, I still find myself committing faux pas on a daily basis.



I hear ya BlueDevil. I'm slowly building a consensus of information off this site. Some on here don't believe it's possible to find a self-sustaining (i.e. employed, lives alone) Tica and believe that the vast majority are only interested in working the system and taking advantage of Westerners. Obviously there are a lot of bad actors, but there has to be good ones as well - right? And everyone has an opinion about where to live, how to live, etc. I appreciate all the advice/input but I'm not going to act on anyone single person's advice. If I see a pattern, then I'll tuck that info away in my mind.

But...I have to start somewhere - right? I'm not one for "re-creating the wheel." If I can save myself some pain by learning from others, I'm all for that. The good thing I have going for me is a couple of friends who have been going to CR for over 10 years. Their input has the most weight because they're my friends and I trust them. I also have a little bit of experience (16 weeks there in 2018). I'm open to suggestions, but I'm going to see which opinions keep floating to the top and which don't.

Thanks for your advice. I appreciate it :)


The Devil whispered to me, “I’m coming for you.” I whispered back, “Bring pizza.”


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 Post subject: Re: Monthly CR budget
PostPosted: Thu Feb 28, 2019 9:43 pm 
PHD From Del Rey University!

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The type of Costa Rican women you are looking for exist... and they are out there... but you will not find them in the gulch. It helps to have an "in" with a tico family who can vet and recommend you to daughters, nieces, cousins, sister-in-laws, neighbors and amigas. Some ticas from "nice" families will not even consider going out with a gringo because of stereotyping.

One thing you will discover about Latinas... including the nice, educated, professional girls you are seeking... they do not believe chivalry is dead. They will observe everything about you... whether your nails are manicured...when you hold the door for them... the flowers or chocolates you bring for them... and how cheerfully you pick up the tab for everything on a date or trip. Don't be surprised if she brings along a chaperone (sister, cousin or amiga) on the first couple dates... this is just a part of the "ritual del cortejo." You can forego all this if you stick to p4p...LOL.

BTW, you said you are retired military. From your CRT handle I would assume you are retired Navy... perhaps out of Pearl? And if you are recently retired, you are probably still in your 30s and have a long life ahead of you to enjoy places like Costa Rica. Anyway, enjoy the experience... and good luck.


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 Post subject: Re: Monthly CR budget
PostPosted: Fri Mar 01, 2019 12:57 am 
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Last edited by Boynton on Tue Mar 17, 2020 9:45 am, edited 1 time in total.

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 Post subject: Re: Monthly CR budget
PostPosted: Fri Mar 01, 2019 3:40 am 
PHD From Del Rey University!

Joined: Tue Dec 28, 2004 5:55 pm
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Boynton wrote:
HawaiiSquid wrote:
I'm open to suggestions, but I'm going to see which opinions keep floating to the top and which don't.

Thanks for your advice. I appreciate it :)


The Devil whispered to me, “I’m coming for you.” I whispered back, “Bring pizza.”


on the off chance this is not troll-bait (new member, 18 posts, all in this thread or the other one you started) .... don't do it.

1. get a few years under your belt as a tourist.
2. save more money, $100K is too small a target for a safety net, especially for someone retiring early.
3. an opinion you like, or that is popular, is not necessarily worth following. just because something "floats to the top" doesn't make it great (ex. turds and corpses).

I love living here, wish I had done it 5 years ago. You can only prepare so much, nothing is risk free.


At the very least, Squid is stimulating posting on CRT... :lol:


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 Post subject: Re: Monthly CR budget
PostPosted: Fri Mar 01, 2019 7:38 am 
Just Learning The Gulch!

Joined: Thu Feb 14, 2019 3:30 pm
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Boynton wrote:
HawaiiSquid wrote:
I'm open to suggestions, but I'm going to see which opinions keep floating to the top and which don't.

Thanks for your advice. I appreciate it :)


The Devil whispered to me, “I’m coming for you.” I whispered back, “Bring pizza.”


on the off chance this is not troll-bait (new member, 18 posts, all in this thread or the other one you started) .... don't do it.

1. get a few years under your belt as a tourist.
2. save more money, $100K is too small a target for a safety net, especially for someone retiring early.
3. an opinion you like, or that is popular, is not necessarily worth following. just because something "floats to the top" doesn't make it great (ex. turds and corpses).

I love living here, wish I had done it 5 years ago. You can only prepare so much, nothing is risk free.



Thanks for your advice Boynton. What is about the appropriate sized safety net? I can retire (a second time) any time I wish, but I don't really know how much $ is enough to save up. I had assumed/hoped that saving enough to have an extra $500+ a month x 10+ years would be enough in what is (essentially) a 2nd world country - no? I can work another 18 to 24 months and save up another $100k, but obviously I don't want to do that if it's not really necessary to live live more like a Tico and less like an American. Regardless, I appreciate your input.

You're correct that the more frequent/loud opinions aren't necessarily the correct ones. That wasn't my intention, but I hear ya.

Not a troll. I don't have the time or energy to waste anyone else's. Every newbie has to start somewhere - right? This is my start. Give me a few years and I'll be as cold and jaded as everyone else. lol

Thanks again.


The Devil whispered to me, “I’m coming for you.” I whispered back, “Bring pizza.”


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 Post subject: Re: Monthly CR budget
PostPosted: Fri Mar 01, 2019 7:56 am 
PHD From Del Rey University!
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Do your homework carefully. You have time on your side. Do you speak Spanish? I know mongers who have been here for years and speak no Spanish. It certainly helps as the cost of the chicas goes way down. I am fluent and as a result I am able to communicate and negotiate. You also meet girls outside of the business who are just regular girls, not seasoned workers. A BIG world of difference. You’ll never walk into the Del Rey again.

Next visit get some things together like a CR phone number, a bank account at BCR or similar, get the layout for medical options. Before I finally moved here I came for 8 weeks and got a better lay of the land outside of Gringo Gultch. I also went to the 2 day seminar given by ARCR which covers everything including residency requirements.

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 Post subject: Re: Monthly CR budget
PostPosted: Fri Mar 01, 2019 8:11 am 
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Whitecat wrote:
Do your homework carefully. You have time on your side. Do you speak Spanish? I know mongers who have been here for years and speak no Spanish. It certainly helps as the cost of the chicas goes way down. I am fluent and as a result I am able to communicate and negotiate. You also meet girls outside of the business who are just regular girls, not seasoned workers. A BIG world of difference. You’ll never walk into the Del Rey again.

Next visit get some things together like a CR phone number, a bank account at BCR or similar, get the layout for medical options. Before I finally moved here I came for 8 weeks and got a better lay of the land outside of Gringo Gultch. I also went to the 2 day seminar given by ARCR which covers everything including residency requirements.


Thanks for the advice/input Whitecat. Now THIS is the type of advice I'm looking for! I'm checking out the ARCR website now. Is it a high-pressure sales pitch or were they genuinely helpful without trying to get your $? I'll check them out further. My friends who have been going to CR for the past 10+ years both have CR phones. Question: if you live there full time, is it better to have a full-time CR phone and a very part time US phone plan or keep the normal US phone plan and just use the pre-paid CR phone? I would tend to believe the first way is the better way, but I figured I would ask someone who actually lives there.

When you say there are not seasoned workers, do you mean they're still in play (for $), but they're not SL/DR regulars? I'm hoping to monger around for the first 2 to 5 years, then settle down with a 100% normal/regular gf who has never sold an inch of her body ever - make sense? Is that realistic or are 99.9% of all girls in CR just looking for that cien?

I speak a little bit of Spanish. Very, very little. I can actually read it better than I can understand what someone's saying to me. I know that's not very helpful up front, but I'm working on it daily (i.e. Duolingo app). I used to live in the Philippines and was married to a Filipina for 29 years; so my Tagalog is good and there's a lot of Spanish tucked in there. I can carry on a conversation with someone in Tagalog and I know I've avoided being taken advantage of several times because I can speak Tagalog so well. So you're right. Knowing the language is a huge help and I'm diligently working on that.

Thanks again for your advice. I appreciate it.


The Devil whispered to me, “I’m coming for you.” I whispered back, “Bring pizza.”


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 Post subject: Re: Monthly CR budget
PostPosted: Fri Mar 01, 2019 8:23 am 
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BlueDevil wrote:
The type of Costa Rican women you are looking for exist... and they are out there... but you will not find them in the gulch. It helps to have an "in" with a tico family who can vet and recommend you to daughters, nieces, cousins, sister-in-laws, neighbors and amigas. Some ticas from "nice" families will not even consider going out with a gringo because of stereotyping.

One thing you will discover about Latinas... including the nice, educated, professional girls you are seeking... they do not believe chivalry is dead. They will observe everything about you... whether your nails are manicured...when you hold the door for them... the flowers or chocolates you bring for them... and how cheerfully you pick up the tab for everything on a date or trip. Don't be surprised if she brings along a chaperone (sister, cousin or amiga) on the first couple dates... this is just a part of the "ritual del cortejo." You can forego all this if you stick to p4p...LOL.

BTW, you said you are retired military. From your CRT handle I would assume you are retired Navy... perhaps out of Pearl? And if you are recently retired, you are probably still in your 30s and have a long life ahead of you to enjoy places like Costa Rica. Anyway, enjoy the experience... and good luck.



Good info. Thanks for the heads up. Yes, I'm a retired squid. Was stationed in the Philippines, Japan, and spent 14 years in Hawaii. I retired in 2006 at the age of 39. I'm 51 now. I've worked for the feds since '06. I'm hoping to be full-time in CR (or nearby) when I'm 52 or 53.

I used to be married to a Fillipina and I vividly remember her older sister tagging along with us on all our dates (early on). She was very conservative and yes, she expected me to open the door for her, take pride in my appearance, take her out on dates, etc. I think when you move from monger mode to looking for a regular/normal gf, you have to clean up, shape up, and wear that "hat". Don't you?

Thanks again for your advice. You're spot on in my opinion.


The Devil whispered to me, “I’m coming for you.” I whispered back, “Bring pizza.”


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