Search found 232 matches

by Kitty Telltales
Fri Jun 14, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 92
Views: 7402

Re: Walking Cities, potential for retirees

There is a website for that: https://www.walkscore.com/cities-and-neighborhoods/ When I typed in my address, the score was 86. I agree because there are many places I can walk to if I choose. What a fun link!! My city scored a 99 and it's so true. I know so many people who don't own cars, and could...
by Kitty Telltales
Fri Jun 14, 2019 12:43 pm
Forum: Personal Investments
Topic: Why are my Vanguard returns suddenly so low?
Replies: 40
Views: 6078

Re: Why are my Vanguard returns suddenly so low?

You're right, my returns % is about half what it was not so long ago--when viewing "from inception", yet the actual returns in dollars were not that far off of a all time high, as calculated on May 31st. Go figure!
by Kitty Telltales
Tue Jun 11, 2019 10:31 am
Forum: Personal Investments
Topic: 32 yr old daughter's IRAs
Replies: 15
Views: 1143

Re: 32 yr old daughter's IRAs

No offense meant, but why is your 32-year-old daughter in need of you to manage her investments for her? My thoughts exactly. Let this be a learning experience and teach that it doesn't have to be overly complicated to invest. She should feel in control over her own decisions. Buy her Taylor's 3 Fu...
by Kitty Telltales
Thu Jun 06, 2019 5:45 am
Forum: Investing - Theory, News & General
Topic: Thank you, Taylor Larimore!
Replies: 49
Views: 6021

Re: Thank you, Taylor Larimore!

Thank you Taylor! Once you wrote that the ones who didn't make it home were the real heroes. Thank you for remembering those who couldn't speak about their own ultimate sacrifice. In your gentle way, as always, you draw our attention to what is most important. Today I see that you have posted about ...
by Kitty Telltales
Wed May 08, 2019 7:43 am
Forum: Personal Consumer Issues
Topic: Houseplants
Replies: 17
Views: 1518

Re: Houseplants

We have way too many house plants which goes with being married to a biologist/ecologist, however I love them too and I'm guilty of adopting many of them. I've finally convinced him to put most outside during the summer months to enjoy spending a little less time watering. In winter the living room/...
by Kitty Telltales
Mon May 06, 2019 7:31 am
Forum: Personal Consumer Issues
Topic: Europe with teens - hotel options
Replies: 42
Views: 2726

Re: Europe with teens - hotel options

Why not travel like the Europeans often do, hostels. Your children will experience how easy it is to travel the world on relatively little money. At least try one or two. You can sometimes get private rooms for a group your size. But bring your own towel.
by Kitty Telltales
Mon May 06, 2019 4:11 am
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 95
Views: 7667

Re: Gardening 2019

Growing zone 8ish here in the middle of Germany. We live in a river valley that tends to be a few degrees warmer than the surroundings due to chalk stone cliffs at the top of the hills. Unfortunately the soil is terribly heavy clay. There is also a predictable and reliable cold period in early May w...
by Kitty Telltales
Mon Apr 29, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: EXTREMELY frugal things from our parents and grandparents
Replies: 110
Views: 9473

Re: EXTREMELY frugal things from our paernets and grandparents

My grandmother always used the same "teaball" twice (at least). She would brew her tea, then leave the tegbag in a small glass next to the sink. For next time. I still do this, except it's a teabag. I buy PG Tips or Tesco tea and it actually too strong the first time around so it waits by the sink ...
by Kitty Telltales
Wed Apr 24, 2019 1:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 967
Views: 97051

Re: "S&P 500 Index closes at record high"

It's a pleasure to see my name/guess on the 2019 Bogleheads contest so near the top, however, it's only April. It's the same number/guess I had in 2018. Last time I reached the top of the list was early October, at the beginning of the Bogleheads conference. I am sure we'll see many more highs and l...
by Kitty Telltales
Thu Apr 11, 2019 11:18 am
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 102
Views: 11652

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION OPEN ANNOUNCEMENT

So looking forward to seeing the Philly area again in autumn!! This year I hope to have my reading homework done before listening to the great panelists.

Here's hoping that there is again a large South Florida contingent. :sharebeer
by Kitty Telltales
Tue Apr 09, 2019 4:07 am
Forum: Non-US Investing
Topic: any experience with these US bank accounts for [US] ex-pat living abroad
Replies: 16
Views: 1469

Re: any experience with these US bank accounts for [US] ex-pat living abroad

I've been using CapitalOne 360 since living abroad (Ing Direct when I opened the account). I've also maintained an account at Bank of America for several reasons. When in the States, sometimes it's necessary to use a physical bank e.g. cashing Savings bonds. Their numerous US locations have been a l...
by Kitty Telltales
Sun Mar 31, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 275
Views: 26816

Re: "The best and worst U.S. states for retirement"

Send out the word, Florida is full up We have enough for now Truth be known (or my opinion), any state that offers a climate that gets people outside to walk or play (where tennis and golf can be played all year long) is a good place to be. There is a lot to be said for longevity Having lived in SE...
by Kitty Telltales
Sun Mar 31, 2019 1:28 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 5293

Re: Help on Women and Investing

I just did a search and it seems that the gender pay gap is still about 80 cents to the dollar for women, which explains a lot because they are paying the rent first. Also like many others above, when I look at the history of my own family, I am amazed that the women did wonders with the little mone...
by Kitty Telltales
Sun Mar 31, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: What to see in Philly?
Replies: 87
Views: 5851

Re: What to see in Philly?

In memory of John C. Bogle visit the Constitution Center https://constitutioncenter.org/in-memoriam-john-bogle Last time I went, there was an impressive exhibition about how our rights to vote developed in America, which nicely explains all the shenanigans done in the past to try to prohibit those r...
by Kitty Telltales
Thu Mar 28, 2019 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Half of American retirees have no savings
Replies: 49
Views: 2049

Re: The Retirement Crisis

It follows then that my mother who died at 70 while still working full time out of necessity with only around $4000 in an IRA and no defined benefit pension to speak of, would have been considered prepared for her retirement. Where did she fall in the numbers that Taylor so nicely called, "Lies, Dam...
by Kitty Telltales
Tue Mar 26, 2019 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage!
Replies: 88
Views: 7382

Re: Paid off mortgage!

Congratulations!! Thanks for sharing. I love such posts. :sharebeer
by Kitty Telltales
Mon Mar 25, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 845
Views: 85347

Re: What frugal thing did you do today?

Had my hair cut at one of those "no appointment necessary" shops. I had rather good luck in the past, but not today. Wanted to cry all the way home after seeing the result.
by Kitty Telltales
Mon Mar 18, 2019 12:51 pm
Forum: Investing - Theory, News & General
Topic: Retired Investors - Do You Keep Cash For Down Years
Replies: 107
Views: 8394

Re: Retired Investors - Do You Keep Cash For Down Years

Because I do take withdrawals monthly for expenses I do keep in good market years an amount equal to 3 to 5 years of normal withdrawal needs in money market and short term bond funds so that I wont have to take from stock containing funds in a down year like in 2008-09. I didn't do that at the begi...
by Kitty Telltales
Mon Mar 18, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: Looking to buy snow bird house in Florida. How does it work with realtors?
Replies: 16
Views: 1736

Re: Looking to buy snow bird house in Florida. How does it work with realtors?

The Villages looks interesting, but a little too far north for me. I also love living within a half hour's drive to a beach. It's close, but not too close when it gets windy. Although those hurricanes do pick up speed sometimes crossing the Everglades. As far as dealing with realtors, it's a good mo...
by Kitty Telltales
Mon Mar 18, 2019 4:49 am
Forum: Personal Consumer Issues
Topic: Paris - Is It Safe?
Replies: 143
Views: 8981

Re: Paris - Is It Safe?

I took the Eurostar train from London to Paris on March 2nd (two weeks ago) and it was perfectly fine, if you don't count the hundreds of young school kids enjoying themselves during the trip (hint: get first class tickets!). I was in Paris for a few days and it too was absolutely fine. I steered c...
by Kitty Telltales
Sun Mar 17, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: Paris - Is It Safe?
Replies: 143
Views: 8981

Re: Paris - Is It Safe?

Protesting is a pastime activity in Paris. It's just what they have been doing there since let's say, The French Revolution. CNN is only paying attention to it at the moment. I was once in Paris on a bus heading to the opera with a friend. The bus just stopped and the driver ordered everyone off bec...
by Kitty Telltales
Sat Mar 16, 2019 12:22 pm
Forum: US Chapters
Topic: 2019 BOGLEHEADS CONFERENCE DATES
Replies: 35
Views: 9773

Re: 2019 BOGLEHEADS CONFERENCE DATES

I am wondering if there will be a change in venue this year. South Florida would be nice so that perhaps Taylor might attend this year. :)
by Kitty Telltales
Fri Mar 15, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: How would you bargain for unique items?
Replies: 23
Views: 1596

Re: How would you bargain for unique items?

In the end you have to feel good about the price you paid or you won't enjoy the piece. Start 1/3 lower than that pain level. I like a particular artist from Hawaii who painted in the 60's and 70's, who I don't believe many others even care about, but I love his work. I've bought 3 paintings from th...
by Kitty Telltales
Wed Mar 13, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Vacation Home: Own vs. Rent??
Replies: 42
Views: 3579

Re: Vacation Home: Own vs. Rent??

I've had a vacation home for about 15 years. My conclusion is that you are thinking along the right lines. We do still hold onto the home because it's planned to use it more often and longer in our early retirement years, but it is definitely a trade off over exploring more vacation spots. However, ...
by Kitty Telltales
Wed Mar 13, 2019 9:56 am
Forum: Personal Investments
Topic: Time to buy Boeing?
Replies: 74
Views: 6948

Re: Time to buy Boeing?

Profiting on a crash causing fatalities? Even if I was ok with stock picking, I wouldn’t buy Boeing right now. I agree! After hearing about the deaths of so many, my first thought wasn't, "Can I make money off of this stock?" I was only surprised that I had to scroll so far down the thread to find ...
by Kitty Telltales
Tue Mar 12, 2019 7:13 am
Forum: Personal Consumer Issues
Topic: Medical and Living in Germany
Replies: 32
Views: 2495

Re: Medical and Living in Germany

Been, here for going on 13 years now. The trend is that landlords are installing kitchens more often. In our first apartment the landlord owned the kitchen, but not the built-in dishwasher and the hallway shoe cupboards, that we had to pay the previous tenant for. We later bought a house and separat...
by Kitty Telltales
Thu Mar 07, 2019 1:20 pm
Forum: Investing - Theory, News & General
Topic: "A Couple Doesn't Agree On Financial Priorities. How Can They Resolve Their Differences."
Replies: 64
Views: 7504

Re: "A Couple Doesn't Agree On Financial Priorities. How Can They Resolve Their Differences."

I told my husband when we met in our early 30’s that we would be millionaires by 40. He thought I was ridiculous. I told him we need to save xxx amount every year. And that’s we did. We focused on what we wanted to save per year, automated it and just spent the rest. And we hit our goal. No bickeri...
by Kitty Telltales
Thu Mar 07, 2019 12:41 pm
Forum: Investing - Theory, News & General
Topic: "A Couple Doesn't Agree On Financial Priorities. How Can They Resolve Their Differences."
Replies: 64
Views: 7504

Re: "A Couple Doesn't Agree On Financial Priorities. How Can They Resolve Their Differences."

Who lead me to the forum? The wonderful gentleman who posted this article, Taylor Larimore. I first met him at the Saturday Sailing regatta in Coral Gables, FL. Sailing also tends to be a somewhat more male dominated sport. Why, I am not sure because I have met some fabulous women sailors too. Taylo...
by Kitty Telltales
Thu Mar 07, 2019 6:22 am
Forum: Investing - Theory, News & General
Topic: "A Couple Doesn't Agree On Financial Priorities. How Can They Resolve Their Differences."
Replies: 64
Views: 7504

Re: "A Couple Doesn't Agree On Financial Priorities. How Can They Resolve Their Differences."

Another point: Recognize, respect and celebrate the contribution each spouse brings to the couple's finances, even if unequal. One partner may have brought more money into the relationship by way of inheritance, savings etc. The other may have a better pension. And it's important to show appreciati...
by Kitty Telltales
Wed Mar 06, 2019 8:01 am
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 80
Views: 5301

Re: best cheap printer

Prudence wrote:
Thu Jan 03, 2019 8:49 pm
Very happy with my Brother black and white laser printer.
+ 1
by Kitty Telltales
Tue Mar 05, 2019 2:21 pm
Forum: Investing - Theory, News & General
Topic: "A Couple Doesn't Agree On Financial Priorities. How Can They Resolve Their Differences."
Replies: 64
Views: 7504

Re: "A Couple Doesn't Agree On Financial Priorities. How Can They Resolve Their Differences."

Another point: Recognize, respect and celebrate the contribution each spouse brings to the couple's finances, even if unequal. One partner may have brought more money into the relationship by way of inheritance, savings etc. The other may have a better pension. And it's important to show appreciatio...
by Kitty Telltales
Mon Mar 04, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3799
Views: 1093311

Re: What Book Are You Currently Reading? Part VI

A Man Called Ove I sense that there are some similar characters as Ove on this forum. I hear the film is good too, perhaps even better than the book. My wife and I just finished the audiobook version of A Man Called Ove. We both liked it. I would stop short of saying it's a "great" book, but it is ...
by Kitty Telltales
Mon Mar 04, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Any liveaboards here?
Replies: 45
Views: 4847

Re: Any liveaboards here?

I have several friends down through the years that have done this, (along with "yacht club" friend/members) with mixed results from fantastic to :oops: It seems that those with "more than adequate financial means" and. . .and exit plan. . and a land based home or quarters, or option to obtain one. ...
by Kitty Telltales
Mon Feb 25, 2019 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Death, heir hunters, and compromised lawyers
Replies: 36
Views: 4658

Re: Death, heir hunters, and compromised lawyers

... My siblings and I, plus 40 of our mostly long lost cousins, were contacted by the same group for an estate left by another long lost cousin in California. It took about 3 years, but we all eventually received checks. ... If someone dies intestate, and had no relatives closer than cousins, the c...
by Kitty Telltales
Mon Feb 25, 2019 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Death, heir hunters, and compromised lawyers
Replies: 36
Views: 4658

Re: Death, heir hunters, and compromised lawyers

"Since it appears your relative did not even name beneficiaries on her accounts, I would try to get it put of your head that you are entitled to anything, and simply let the process run its course." Thank you for this. Certainly I don't feel entitled; however, I do feel "letting the process run its...
by Kitty Telltales
Fri Feb 22, 2019 1:45 pm
Forum: Non-US Investing
Topic: Buying individual stocks in Germany (US Expat)
Replies: 11
Views: 873

Re: Buying individual stocks in Germany (US Expat)

Firstly, this site offers an abundance of reasons why individual stock picking is a bad idea. It was a hard lesson for me to learn as well and it took some time for the Boglehead philosophy to really sink in, and to learn to curb that gambling spirit. Spend some time reading the wiki articles. Also ...
by Kitty Telltales
Fri Feb 22, 2019 1:10 pm
Forum: Non-US Investing
Topic: Low salary help needed [Europe]
Replies: 14
Views: 1594

Re: Low salary help needed [Europe]

Congratulations!! Also read the Wiki on Windfalls. ICH and TroyMcClure are giving you sound advice above. I would also use Global Stock and Bond Index Funds. Also investment in your own education, and your partner’s, is critical. I am wondering if you are thinking about buying your own apartment or ...
by Kitty Telltales
Thu Feb 21, 2019 1:26 pm
Forum: Personal Investments
Topic: Transfer to Vanguard and medallion signature guarantee
Replies: 23
Views: 2637

Re: Transfer to Vanguard and medallion signature guarantee

Ask Vanguard. I've never had to get a medallion anything and have transferred nearly a dozen accounts over the last 10 years. I spent a day running around trying to find someone who would give me one, with no success. Then I called Vanguard. They didn't need it and the sending institution neither. ...
by Kitty Telltales
Thu Feb 21, 2019 12:49 pm
Forum: Personal Investments
Topic: note of thanks, new money in 2 fund portfolio
Replies: 4
Views: 626

Re: note of thanks, new money in 2 fund portfolio

Angst wrote:
Thu Feb 21, 2019 12:44 pm
That's great, congrats!
Simplicity allows one to focus on living life while spending much less time peeking at their portfolio.

:wink:
+1 I read Bogleheads almost daily now and spend much less time worrying and peeking.
by Kitty Telltales
Thu Feb 14, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: Why I Own a Total Market Index Fund
Replies: 43
Views: 6549

Re: Why I Own a Total Market Index Fund

Here's wishing you will keep enjoying that gorgeous view in the best health for many many many more years to come!
by Kitty Telltales
Mon Feb 11, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: Protecting vinyl plank floor from sofa
Replies: 12
Views: 1028

Re: Protecting vinyl plank floor from sofa

We’ve been careful to put fuzzy/sticky pads under all furniture legs including dining room chairs. The chairs are sometimes drug into the living room which has laminent flooring.
by Kitty Telltales
Mon Feb 11, 2019 2:01 pm
Forum: Personal Consumer Issues
Topic: Passport Photos ?
Replies: 85
Views: 3807

Re: Passport Photos ?

For me it is more about making the time in my day to go out to have a photo taken. I’ve done DIY for 2 passports and one renew. I have dual citizenship and I like that the same photo is used for both passports, taken by my son. He’s a professional photographer now so I guess I was in good hands. Tha...
by Kitty Telltales
Mon Feb 11, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2 years in community college, then transfer? need opinion please
Replies: 118
Views: 5732

Re: 2 years in community college, then transfer? need opinion please

And no one cares if you went to CC. It is were you get your BS degree that matters. Bingo. And further, for any profession with an advanced degree requirement: Ultimately, no one cares where your BS came from (once you get into the program of course). I started out with the same economic situation ...
by Kitty Telltales
Fri Jan 25, 2019 8:16 pm
Forum: US Chapters
Topic: Happy Birthday, Taylor!
Replies: 76
Views: 3868

Re: Happy Birthday, Taylor!

Happy Birthday Taylor! Looking forward to shaking your hand and congratulating you in person on Sunday.

Hope you had a wonderful day.

Best,

Mary and Winnie :sharebeer
by Kitty Telltales
Thu Jan 03, 2019 10:54 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]
Replies: 697
Views: 15477

Re: REGISTRATION FOR 2019 BOGLEHEAD CONTEST

2937

“The same procedure as every year James”.....Dinner for One
by Kitty Telltales
Mon Dec 17, 2018 4:34 am
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 371
Views: 79858

Re: South Florida Local Chapter

We've extended our winter holiday in sunny Florida just so we cold attend the meeting. Please count 2 for us.

Looking forward,

Mary
by Kitty Telltales
Mon Dec 10, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 8136

Re: To each his own ( I guess )

There are many in Europe and Asia uninterested in travelling to the States. I hear it all the time, usually following a discussion about what it is like to go through US passport control just to vacation in the States. I tell such people, "to each his own". And then feel a little sorry for them. It'...
by Kitty Telltales
Tue Oct 30, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 388
Views: 29315

Re: Talk me out of buying a Tesla Model 3

Seems like a lot of money to be spending on a personal vehicle. I'd divert that money to retirement savings. Self driving fleets are coming very soon. Just spent the weekend in Berlin and we used a car sharing service to get around, like "city bike". The cars, all Audis, are left around the city in...
by Kitty Telltales
Fri Sep 28, 2018 4:08 am
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 142
Views: 9887

Re: Physical Banking - Any benefits anymore?

Medallion Guarantee, safe deposit box. My local B&M bank has had my account for over 50 years now. Where does one get a Medallion signature? Everywhere I tried they declined. I spent a day of my last vacation running around trying to find a bank that would do a Medallion signature for an IRA rollov...
by Kitty Telltales
Fri Sep 21, 2018 10:57 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 762
Views: 97765

Re: Post your Financial Milestone Announcements Here

Just passed 100k in investments at age 28, was a long road with serious financial roadblocks due to family issues that stopped any real savings from happening until around 24. While a lot of posting about 500k and 1 million I figured I would post my small accomplishment by comparison so all those l...