Search found 243 matches

by Kitty Telltales
Thu Oct 10, 2019 5:07 am
Forum: US Chapters
Topic: Retirement Class of 1998
Replies: 62
Views: 10111

Re: Retirement Class of 1998

Do you think buying Ibonds, with today's $10,000 limit and lower rates, still would be useful for early retirees? Even if you could only give my your gut reaction to this question, I'd love to hear your thoughts? I am sorry that I did not see your question before. Everyone, especially retirees, sho...
by Kitty Telltales
Fri Oct 04, 2019 6:05 am
Forum: US Chapters
Topic: Retirement Class of 1998
Replies: 62
Views: 10111

Re: Retirement Class of 1998

It's wonderful to read your story Sheepdog!! I wish that annual "class reunion" posts of 10 years, 20 years and 30 years + would become regular threads. We need to hear more about retirees' experiences and to would enjoy celebrating the successes along with you lucky folks. Unfortunately I didn't kn...
by Kitty Telltales
Tue Sep 17, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Seasoned retirees...
Replies: 52
Views: 4438

Re: Seasoned retirees...

I'm with Dan Mahowny, Find two hobbies: One to make you money. One to keep you in shape. +1000 I'm so curious, what hobby is making you money and what is keeping you in shape? My father followed this theory too. He had a very large garden of about 3 acres, where he grew veggies and fruits. He had b...
by Kitty Telltales
Thu Sep 12, 2019 6:43 am
Forum: Personal Investments
Topic: Hold Physical Cash if Rates Go Negative?
Replies: 39
Views: 4916

Re: Hold Physical Cash if Rates Go Negative?

bhsince87 wrote:
Wed Sep 11, 2019 4:15 pm
Even with negative rates on government bonds in some parts of Europe recently, banks still paid positive interest on personal accounts.
Yup, I still get a few euro of interest added to my bank account at the end of each year, from which they withhold some cents of tax.
by Kitty Telltales
Mon Sep 09, 2019 5:11 am
Forum: Personal Consumer Issues
Topic: Elderly Parents have 3 day layover in Fort Lauderdale. What to do?
Replies: 24
Views: 2274

Re: Elderly Parents have 3 day layover in Fort Lauderdale. What to do?

My favorite beach is just north of Fort Lauderdale in Lauderdale By the Sea. It's a nice place to walk around and get a bite. They have updated it in recent years. Just north of Commerical Blvd, Lauderdale By the Sea, there is a restaurant called Sea Watch. +1^ I agree. I used to live at Galt Ocean...
by Kitty Telltales
Sun Sep 08, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: Elderly Parents have 3 day layover in Fort Lauderdale. What to do?
Replies: 24
Views: 2274

Re: Elderly Parents have 3 day layover in Fort Lauderdale. What to do?

My favorite beach is just north of Fort Lauderdale in Lauderdale By the Sea. It's a nice place to walk around and get a bite. They have updated it in recent years. Just north of Commerical Blvd, Lauderdale By the Sea, there is a restaurant called Sea Watch. It's frequented by both tourists and the l...
by Kitty Telltales
Tue Aug 20, 2019 12:56 pm
Forum: Investing - Theory, News & General
Topic: Where are the Brokered CDs?
Replies: 13
Views: 1455

Re: Where are the Brokered CDs?

I have a question. What's so good about these cds, considering Navy Federal offers 5 year cds at 3.5%, and 18 month at 3%? Thank you for this tip. My father served over 20 years and was a member of Navy Credit for forever before he passed away, but I think I still qualify. We'll have to thank fello...
by Kitty Telltales
Sun Aug 18, 2019 7:03 am
Forum: Personal Consumer Issues
Topic: Neighbor's FIOS cable running over my yard
Replies: 52
Views: 6676

Re: Neighbor's FIOS cable running over my yard

Try talking with your township and your neighbor. Often a little communication goes a long way. This was our experience. We had an old pole and electric cable that ran through a piece of land we bought adjacent to our property which ran to some summer houses above us. The property we bought had bee...
by Kitty Telltales
Sun Aug 04, 2019 8:24 am
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3159

Re: Gifts to Bring when Traveling Overseas

My first thought was to bring along several copies of photos of common relatives and a newer photo of your immediate family. How about California wine, something special and regional? I bring a bottle or two of wine from Germany back to the States for friends, to my husband's dismay. He always expec...
by Kitty Telltales
Fri Aug 02, 2019 12:47 pm
Forum: Investing - Theory, News & General
Topic: Where are the Brokered CDs?
Replies: 13
Views: 1455

Re: Where are the Brokered CDs?

bryansmile wrote:
Fri Aug 02, 2019 11:32 am
I have a question. What's so good about these cds, considering Navy Federal offers 5 year cds at 3.5%, and 18 month at 3%?
Thank you for this tip. My father served over 20 years and was a member of Navy Credit for forever before he passed away, but I think I still qualify.
by Kitty Telltales
Mon Jul 01, 2019 4:28 am
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEAD CONTEST -- Semi-Annual Report
Replies: 13
Views: 1201

Re: 2019 BOGLEHEAD CONTEST -- Semi-Annual Report

Bogleheads: The S&P 500 Index is up +17% in the first six months of the year, its best first six-month's since 1997. Its June closing price was 2,941.76. Our "Top-5" Boglehead Leaders and their year-end guesses (made in January) are: 1 bigb 2940.91 2 loveyourheart 2940.01 3 runner26 2938.16 4 Kitty...
by Kitty Telltales
Fri Jun 14, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 102
Views: 10486

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: 6504

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: 1224

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: 6367

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: 1622

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: 3003

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: 113
Views: 10444

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: 10139

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: 1528
Views: 157338

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: 114
Views: 19867

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: 1742

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: 303
Views: 34164

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: 5846

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: 6377

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: 2144

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: 7800

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: 988
Views: 107248

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: 9005

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: 1814

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: 9818

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: 9818

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: 10640

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: 1716

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: 4010

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: 7430

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: 2749

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: 7847

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: 7847

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: 7847

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: 5843

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: 7847

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: 4013
Views: 1148696

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: 5214

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: 4856

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: 4856

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: 947

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: 1646

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: 28
Views: 3920

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: 663

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.