Search found 168 matches

by Kitty Telltales
Tue Jul 31, 2018 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 11704

Re: Joint Ownership of home with second wife

Speaking as a second wife who rolled all of the equity from my former home into our jointly owned home. I think your fiancee is being very forthcoming with her views and that's a good sign for your relationship. My husband now pays for most and physically does most of the maintenance of our home and...
by Kitty Telltales
Thu Jul 26, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Best Banks 2018
Replies: 15
Views: 1914

Re: Best Banks 2018

Glad you posted this question because I've got the same gripe with CapitalOne 360. I've just written them some negative feedback because it takes too long to log on and get a quick overview of my accounts. I wonder if this is intentional on their part. It's a shame really. I've been with them for ag...
by Kitty Telltales
Mon Jun 18, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8516

Re: how to make friends in new location?

I met a professor of theology a few years ago who said that she had had to move quite often while studying and establishing her career. She mentioned that whenever she moved to a new town, she would join a chior. Not so much because she loved to sing, but because it brought her in contact with lots ...
by Kitty Telltales
Mon Jun 18, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 271796

Re: Best watch for around $5,000?

Glashuette...the company has an interesting history as well. One of my friends has one he inherited from his grandfather.

https://www.ebay.de/itm/Glashutte-Origi ... SwnHZYaUy7
by Kitty Telltales
Sun Jun 17, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8751

Re: Which Supermarket are you?

Lidl opened here recently nearby. And immediately became our "go-to" store. Much better than the Aldi's which has been around for years, though, to be fair, Aldi's here is not in the best part of town. We favor Lidl here in Germany too over Aldi which is our second choice. Honestly, the size the st...
by Kitty Telltales
Fri Jun 15, 2018 6:15 am
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 52
Views: 5019

Re: Living Abroad - Who's done it?

I've been doing it for 12 years now. We live in a German university town so I've met quite a few Americans living abroad. It's a former East German part so there is a smaller American community as compared to near military bases further west, which I appreciate. I've noticed a difference between the...
by Kitty Telltales
Thu Jun 14, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3918

Re: Non-alcoholic drinks for wedding

A keg of birchbeer on tap. :sharebeer Sparkling apple cider--this can even be done with apple juice and club soda-- quite popular in Germany Infused water with cucumber/lime/raspberries +1 Also check out the Lorina line of sparkling drinks. They come in pretty bottles and taste great! And serve it ...
by Kitty Telltales
Thu Jun 14, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 37926

Re: Bogleheads, tell me about your 40's?

got divorced, found love again, moved to Europe, stayed out of debt and learned to sail. This pretty much sums it up.
by Kitty Telltales
Thu Jun 14, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3918

Re: Non-alcoholic drinks for wedding

A keg of birchbeer on tap. :sharebeer

Sparkling apple cider--this can even be done with apple juice and club soda-- quite popular in Germany

Infused water with cucumber/lime/raspberries
by Kitty Telltales
Sun Jun 10, 2018 7:08 am
Forum: Investing - Help with Personal Investments
Topic: US expat in Germany
Replies: 8
Views: 1044

Re: US expat in Germany

Hi Storamin, Your situation reflects my own in many respects but we are a few years further along than you and your partner are, we are 57 and 67. My question to you and others on the forum is, is it possible to contribute to a ROTH if you are not paying US Federal tax due to the Foreign Tax Credit?...
by Kitty Telltales
Mon Jun 04, 2018 3:14 am
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 331
Views: 60833

Re: South Florida Local Chapter

So happy to see the date is during our next trip to Florida. Count me in!!

Kitty Telltales a/k/a/ Mary
by Kitty Telltales
Sun Jun 03, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13902

Re: Best Advice You Never Took

Overall, the best advice I ever got was about marriage. Make your home an environment where your goal is to out-serve your spouse. You'd think you'd start to resent someone you put ahead of yourself, but I've found it does the opposite. Advice I give my kids: set your alarm for 15 minutes before yo...
by Kitty Telltales
Sun Jun 03, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: 6 hour layover on Heathrow
Replies: 54
Views: 4948

Re: 6 hour layover on Heathrow

Your gang might be a bit jet lagged. After eating a traditional English breakfast find some lounge chairs in the terminals where you can take a nap. There is also pretty good shopping at the airport for those who can’t sleep. But I know where you are coming from because you want to make the most of ...
by Kitty Telltales
Mon May 28, 2018 8:32 am
Forum: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY 2018
Replies: 28
Views: 2756

Re: MEMORIAL DAY 2018

Thank you Taylor for your service to our country and to our community here on Bogleheads. Thank you to all the Bogleheads who served and to the families who supported the loved ones in their service, or worst yet, lost a loved one. And thank you to my father who served in the navy during 3 wars. 2 y...
by Kitty Telltales
Sat May 26, 2018 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Book for wife on investing
Replies: 26
Views: 2106

Re: Book for wife on investing

Hell won’t OFFICIALLY be frozen over until my husband asks the same question. :D I took him to a Bogleheads meeting in South Florida last year and afterwards he wondered outloud, “why were all those people talking about their pensions?” Has she set up her own account on this blog? Reading a book may...
by Kitty Telltales
Sun May 13, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Retire Internationally for FIRE
Replies: 94
Views: 12291

Re: Retire Internationally for FIRE

I moved to Germany in 2006, not exactly to retire, but in many ways I realize that was what I did because I am no longer doing the work I did in the States. I am working almost fulltime as an English teacher and will do so until my second retirement. Many, many things are cheaper, except for real es...
by Kitty Telltales
Wed May 02, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: Cellphone use in Europe now inexpensive
Replies: 23
Views: 2724

Re: Cellphone use in Europe now inexpensive

I live in Germany and use Alditalk (Aldi’s Prepaid). I only have to refill about 3 times a year at 15 Euro a pop and I run my business with this phone. I wonder if this would be more convenient for you as Aldi’s are almost everywhere!! You can also refill by phone too.
by Kitty Telltales
Sun Apr 29, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 770
Views: 82622

Re: Netflix, Your Current Favorite Show

Just finished the miniseries Alias Grace, a bit creepy and well done. My husband has been speaking with an Irish accent all week.

We also loved Anne with an E.
by Kitty Telltales
Tue Apr 24, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Building a New Home (Talk me out of it!)
Replies: 61
Views: 4948

Re: Building a New Home (Talk me out of it!)

I also haven't read the entire post but want to chime in. We bought our lovely 5 year old house from a couple who were in the process of divorcing and I couldn't help but think that the planning, arranging, dealing with a bankrupt contractor and stretching themselves beyond their needs partly led t...
by Kitty Telltales
Mon Apr 23, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Building a New Home (Talk me out of it!)
Replies: 61
Views: 4948

Re: Building a New Home (Talk me out of it!)

I also haven't read the entire post but want to chime in. We bought our lovely 5 year old house from a couple who were in the process of divorcing and I couldn't help but think that the planning, arranging, dealing with a bankrupt contractor and stretching themselves beyond their needs partly led th...
by Kitty Telltales
Wed Mar 28, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: HOA vs No-HOA
Replies: 94
Views: 12335

Re: HOA vs No-HOA

Pros and Cons of my HOA —Basically my vacation condo HOA fee makes me feel like I am continually renting from the association ($270 per month). —I only use the property 2 to 3 times a year and each time I am usually greeted at the elevator by a threatening notice saying if I do this or that, I will ...
by Kitty Telltales
Mon Mar 26, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Infrared Sauna at home
Replies: 21
Views: 3080

Re: Infrared Sauna at home

We bought a 3 person sauna which we set up in our basement. It’s about 4 x 4 feet and we had the perfect corner to place it. It works well and reaches 65 Celsius. It cost us around 1,000 Euro in all. As I am sure you know, the advantage of an infrared is that the start up time is rather quick. There...
by Kitty Telltales
Thu Mar 22, 2018 6:55 am
Forum: Personal Consumer Issues
Topic: Your favorite Florida beach??
Replies: 52
Views: 5300

Re: Your favorite Florida beach??

moneywise3 wrote:
Thu Mar 22, 2018 1:09 am
Captiva and Sanibel islands hands down
+1
by Kitty Telltales
Wed Mar 07, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 113
Views: 26380

Re: 2018 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Please add me to the waiting list!! The time difference is a bummer. I looked yesterday but went to bed before midnight my time, a few minutes too early Philly time.

x
by Kitty Telltales
Mon Mar 05, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: Does Anyone Invest In Berkshire Hathaway Instead Of Index Funds?
Replies: 80
Views: 13985

Re: Does Anyone Invest In Berkshire Hathaway Instead Of Index Funds?

I view Berkshire as basically an "index fund", even though it does not technically fit the definition. It's not a technicality. It's not close to being a diversified mutual fund. It's even farther away from being an index fund. To view Berkshire Hathaway as "basically an index fund" is like viewing...
by Kitty Telltales
Mon Mar 05, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 4076

Re: Etiquette of hanging up on live telemarketers

In my opinion, it’s a kind of “home invasion”. I have not asked them to come into my home to use my time and to gather information from me and they have no right to do so just because they have dialed our number. My husband, on the other hand, talks to them and gives much too much information. He is...
by Kitty Telltales
Thu Mar 01, 2018 5:50 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6752
Views: 1467064

Re: "I don't know. I don't care."

What will happen to stocks, and to bonds??? I don't know, and don't care. OK, I admit that I do care, but I still don't know. ruralavalon: You remind me of this great article written by Jason Zweig for Money Magazine in 2001: I Don’t Know, and I Don’t Care I didn’t always believe in indexing. As a ...
by Kitty Telltales
Wed Feb 28, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off $372000 mortgage in 12 months
Replies: 46
Views: 7721

Re: Paying off $372000 mortgage in 12 months

I’ve had a few mortgages in my life and paid off each one in less than 4 years, like a car loan. I always felt a sense a financial freedom to make new choices each time. Just curious. If you had the cash flow to pay off multiple mortgages in less than 4 years each, why didn't you just save for 4 ye...
by Kitty Telltales
Mon Feb 19, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Paying off $372000 mortgage in 12 months
Replies: 46
Views: 7721

Re: Paying off $372000 mortgage in 12 months

I’ve had a few mortgages in my life and paid off each one in less than 4 years, like a car loan. I always felt a sense a financial freedom to make new choices each time. I upgraded 3 times and downsized the last. Now going into retirement mortgage free in a house I love.
by Kitty Telltales
Sat Feb 17, 2018 9:03 am
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 12611

Re: I'm Cancelling My Home Insurance

I’ve been thinking about dropping my insurance too. I volunteered to help answer the phone in our condo association office after the last Florida hurricane and was shocked about how many homeowners came in the office an admitted that they didn’t have homeowners insurance. It’s a requirement of the a...
by Kitty Telltales
Tue Feb 13, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: Attention Sqawk Box viewers
Replies: 16
Views: 1807

Re: Attention Sqawk Box viewers

I only have 4 channels in English. I enjoy it more when Becky leads the interview.
by Kitty Telltales
Mon Feb 12, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Driving a rental car in Western Europe
Replies: 46
Views: 1921

Re: Driving a rental car in Western Europe

I’ve used AutoEurope.com to find rentals. Make sure you understand the street signs. When I moved here I had to take the theory driver’s license exam and I was glad for it, so read that travel guide carefully and know the signs. In Germany people coming from a street on the right, have the right, un...
by Kitty Telltales
Thu Feb 08, 2018 4:24 am
Forum: Personal Consumer Issues
Topic: Books and other resources about retiring abroad?
Replies: 14
Views: 1036

Re: Books and other resources about retiring abroad?

I’ve learned quite a lot from this forum. Every time I open the site, I pick up some tidbit of information, even today, just because you asked this question, I realized that Andrew Hallzm just realized a new editionin his series of books in January, Millionaire Expat: How To Build Wealth Living Over...
by Kitty Telltales
Wed Feb 07, 2018 5:57 am
Forum: Investing - Help with Personal Investments
Topic: Older Couple Preparing for Retirement Needs Help
Replies: 8
Views: 1947

Re: Older Couple Preparing for Retirement Needs Help

Recently I called Vanguard’s annuity advisors to talk over whether I should transfer an IRA variable annuity contract I have with AXA, which has not been annuitized yet. The Vanguard representive got AXA on the phone and asked them pertinent questions about all the terms of the contract, some I woul...
by Kitty Telltales
Mon Feb 05, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Soon To be Expat Seeks Advice TIA!
Replies: 23
Views: 1477

Re: Soon To be Expat Seeks Advice TIA!

I don't understand why you made a point to tell them you would be living overseas in the future. Unless I missed something, you don't yet live in the UK. You live in the USA. Account openings are more or less automated, you currently reside in the USA, and currently have a US address. You should ha...
by Kitty Telltales
Mon Dec 25, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 44397

Re: What frugal thing did you do today?

Played a golf ball I found in the weeds. Gill My husband bought a special flashlight that illuminates golf balls at night. He just walked in the door proudly with a few more. He’s been washing and sorting out his bounty recently. I used a paperclip to hang a Christmas decoration, but mostly because...
by Kitty Telltales
Mon Dec 25, 2017 6:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 9542

Re: My Christmas Present to You

Thank you Taylor for your brave service to our country and our heart still goes out to those families who lost loved ones. My father was also one of the lucky ones who came home. Americans should also remember the important role our country played after this awful war with our support in rebuilding ...
by Kitty Telltales
Sat Dec 23, 2017 8:26 pm
Forum: Investing - Theory, News & General
Topic: NavyFed IRA CDs: 32-months 2.75% APY
Replies: 24
Views: 2555

Re: NavyFed IRA CDs: 32-months 2.75% API

My father, navy retired who passed recently, was a member. I’m wondering if I’m entitled to join. Your post Victoria has motivated me to look into it. Thanks!
by Kitty Telltales
Sat Dec 23, 2017 6:10 pm
Forum: Investing - Theory, News & General
Topic: "The Most Important Investment Decision You'll Ever Make"
Replies: 16
Views: 4079

Re: "The Most Important Investment Decision You'll Ever Make"

Your spouse. I believe my husband did just that. Taylor, My question is can a longer term CD ladder replace the bond portion? I’m hoping your new book address this too. I keep hearing about the “bond bubble” which puts me off. The questionnaire was helpful but it refers to the cash portion as short...
by Kitty Telltales
Tue Dec 05, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Europe Suggestions
Replies: 44
Views: 3427

Re: Europe Suggestions

I have the pleasure of hearing travel stories from my German adult students and I’m often jealous. I think they are the most travelled people in Europe. Here are some vacations they’ve told me about that are now on my bucket list: -Houseboat cruise on the canals in the Netherlands (went with wife an...
by Kitty Telltales
Sat Nov 25, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Any BLACK FRIDAY deals for Bogleheads?
Replies: 51
Views: 7668

Re: Any BLACK FRIDAY deals for Bogleheads?

We postponed our turkey dinner to Friday, so Black Friday shopping was forgotten.
by Kitty Telltales
Thu Nov 23, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 140
Views: 12224

Re: What are the things you want to do between 55 and 65?

At 45 I basically retired from public accounting and moved to Germany. While I was adjusting, I started teaching business and conversation English. Was it working again? It didn’t quite feel that way. At 57 I’m running my own business, a little school, employing two other teachers to work with me. N...
by Kitty Telltales
Mon Nov 20, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 248
Views: 30647

Re: Why pay cash for a car?

Maybe it's a difference between generations across "Bogleheadville". The one demographic is "old school", avoid all debt, no payments, "don't owe nobohdy notion'", save for a rainy day, save up and pay cash for a running junker is better than financing a new debt mobile. Save up to get that used Pl...
by Kitty Telltales
Fri Nov 17, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 76
Views: 7110

Re: My dad's army jacket

How do you think your father would feel about it? Would he feel proud of his child wearing his jacket? I think wearing it occasionally could lead to many nice conversations about your father and his service. My father passed last spring and his naval uniforms and hats were divided up amongst the sib...
by Kitty Telltales
Fri Nov 17, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: St. Petersburg, FL visit: Rental car, tolls, SunPass questions
Replies: 23
Views: 1708

Re: St. Petersburg, FL visit: Rental car, tolls, SunPass questions

I have my own SunPass and when I rent a car in Florida, I always tell the agency this. I travel there several times a year so it’s been worth it for me. On my last trip to Fort Lauderdale in Sept. to check for post hurricane damage, I was nevertheless charged by the rental agency after a trip up the...
by Kitty Telltales
Thu Nov 09, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 6035

Re: What do you do to keep your mind sharp?

Learning a Foreign Language Cooking Exercise Work with computers Study finance and work with numbers Read constantly Volunteer work. Crossword puzzles Tavel. :happy Great list Toons! I have cherished senior retirees in my English classes in Germany. Love all their stories! I learn much more from th...
by Kitty Telltales
Thu Nov 09, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Palma, Malta, Sicily, or Spain for winter break?
Replies: 21
Views: 2220

Re: Palma, Malta, Sicily, or Spain for winter break?

Madeira is on our bucket list. Most of my friends with small children like the Canary Islands.

Of course you can just stay in Germany at one of our Christmas markets with plenty of Gluehwein to stay warm. :beer

We’ll be sunning it up in South Florida again this year.
by Kitty Telltales
Wed Oct 04, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 142
Views: 22931

Re: What age did you become debt free and what opportunities did it create?

Been debt free most of my adult life. Carried a balance for over 30 days on credit cards only out of error on my part twice. I've had 4 different houses that were initially and partially bought with mortgages, but treated all like a car loan and paid them off in 3 or 4 years, which freed up my decis...
by Kitty Telltales
Tue Sep 12, 2017 6:49 am
Forum: Investing - Theory, News & General
Topic: Bond Fund Philosophy
Replies: 18
Views: 3134

Re: Answer to question

How much of your portfolio can you not afford to lose? AlbertEinstein: I have income from a government pension, social security, two annuities and book royalties which is more than necessary to support my lifestyle. I could afford to lose my entire portfolio. Best wishes. Taylor Just totally thrill...
by Kitty Telltales
Wed Sep 06, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 16146

Re: Florida Hurricanes: When and where to go?

My mother used to crawl into her walk-in closet with a mattress over her. During Hurricane Andrew, a category 5 with a gazillion tornadoes spinning off it, many friends used their inner bathroom tub (no water) as their safe area, covering themselves and children with mattresses from their beds. One...