Search found 262 matches

by Kitty Telltales
Wed May 27, 2020 2:46 pm
Forum: Personal Consumer Issues
Topic: The "Best of" for Aldi?
Replies: 42
Views: 2766

Re: The "Best of" for Aldi?

1789 wrote:
Wed May 27, 2020 1:16 pm
They had a fantastic beer i cant remember the name currently. Have you tried that?
Was it Wernesgruner Pils? It's made in the Eastern part of Germany near the Czech Republic border, where they know a thing or two about Pilsner beer. It has a gold and green label.
by Kitty Telltales
Wed May 27, 2020 10:45 am
Forum: Personal Consumer Issues
Topic: The "Best of" for Aldi?
Replies: 42
Views: 2766

Re: The "Best of" for Aldi?

We love that when we travel back to the States, we can drive just around the corner to Aldi. Many of the products are the same as here in Germany. Their chocolate is rated one of the best in Germany and it is exactly the same. Their bratwurst and salamis cut the mustard for my husband, a German. He ...
by Kitty Telltales
Wed May 27, 2020 10:21 am
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 72
Views: 5447

Re: NJ property taxes too high. What are my alternative states?

Family roots grow very deep in South Jersey! I've lived in Gloucester, Camden and Salem Counties and still have family there. No matter what the taxes might be, the family left behind in NJ wouldn't consider leaving. It's a great area situated so close to NYC, Philly and DC with the beach to the eas...
by Kitty Telltales
Thu Apr 23, 2020 5:52 pm
Forum: Personal Consumer Issues
Topic: Scented Candle recommendations?
Replies: 14
Views: 728

Re: Scented Candle recommendations?

I’m originally from Southern NJ where a family have been making these handmade candles rolled in spices. I’ve been buying them since the 80’s. They used to have their own shop where they sold wonderful vintage furniture and housewares, but now they only sell their candles wholesale. They last litera...
by Kitty Telltales
Thu Apr 23, 2020 5:39 pm
Forum: Personal Consumer Issues
Topic: House Cleaning and Covid
Replies: 24
Views: 2320

Re: House Cleaning and Covid

I'd suggest reading this article about making smart bets: https://medium.com/@peteneuwirth/making-smart-bets-in-the-age-of-covid-19-5e62cabd236 and then think of this as a gamble. If you win, you get a cleaner house. If you lose, you still get a cleaner house but you also die in a fairly unpleasant...
by Kitty Telltales
Fri Mar 20, 2020 11:36 am
Forum: Investing - Theory, News & General
Topic: "3 Charts That Show Why Investors Should Stay the Course Throughout Market Turmoil"
Replies: 31
Views: 4777

Re: "3 Charts That Show Why Investors Should Stay the Course Throughout Market Turmoil"

Woe to the investors who do not heed the advise of Jack Bogle and Taylor Larimore.

Stay well and keep posting Taylor. Your words give us strength.
by Kitty Telltales
Thu Feb 20, 2020 10:26 am
Forum: Personal Investments
Topic: Small pension, to lump sum or not
Replies: 16
Views: 1313

Re: Small pension, to lump sum or not

Get the lumps and invest, your heirs will benefit as well...rather than monthly pensions... Lifesimple's gentle push may be the right thing to do. I find myself in a similar situation with almost the same amount, a variable annuity a former employer recommended in a IRA, awful I know. I wonder if t...
by Kitty Telltales
Wed Feb 12, 2020 11:36 am
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19227

Re: What is your most luxury/expensive hobby.

Sailing is my thing, but I see no reason to buy a boat. I came to Bogleheads through Taylor Larimore after meeting him at the sailing school/club south of Miami. The cost is minimal if you can join up with a club and there’s chance to meet new friends who share your passion. We meet up for a regatt...
by Kitty Telltales
Wed Feb 12, 2020 11:14 am
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19227

Re: What is your most luxury/expensive hobby.

Sailing is my thing, but I see no reason to buy a boat. I came to Bogleheads through Taylor Larimore after meeting him at the sailing school/club south of Miami. The cost is minimal if you can join up with a club and there’s chance to meet new friends who share your passion. We meet up for a regatta...
by Kitty Telltales
Fri Jan 24, 2020 3:10 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26561

Re: Sad news: LadyGeek's husband has passed

Dear LadyGeek, Words are difficult to find to express condolences. I'm so sorry to hear about the passing of your husband. Thank you. Thank you for being there for us at the conference during a time that's so difficult for you. Also thank you for sharing a bit about your family's experience at this ...
by Kitty Telltales
Fri Jan 03, 2020 6:22 pm
Forum: Investing - Theory, News & General
Topic: OFFICIAL REGISTRATION FOR THE 2020 BOGLEHEAD CONTEST
Replies: 684
Views: 20526

Re: OFFICIAL REGISTRATION FOR THE 2020 BOGLEHEAD CONTEST

Happy New Year Taylor!! Looking forward to shaking your hand at the next South Florida meeting.

My guess is the same as the last two years. I'll be happy if I am way short this year.

2937
by Kitty Telltales
Fri Dec 13, 2019 9:43 am
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 452
Views: 113040

Re: South Florida Local Chapter

Looks like it's gonna be a good one!! Please add 2 for us since we've extended our New Year's stay to include the Boglehead Saturday. Please stay over until Sunday - remember Taylor sails on Saturdays :wink: Wouldn't be the first time I showed up somewhere on the wrong day. If Taylor does sail on S...
by Kitty Telltales
Wed Dec 04, 2019 7:46 am
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 452
Views: 113040

Re: South Florida Local Chapter

Looks like it's gonna be a good one!! Please add 2 for us since we've extended our New Year's stay to include the Boglehead Saturday.

Mary and Winnie
by Kitty Telltales
Mon Nov 25, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 99
Views: 9256

Re: Should I buy the family cottage?

I bought it from my siblings after her death 15 years ago and it has been, for her reasons and many other reasons, a good fit in my own life. So you bought it from your siblings? And you didn't purchase it from your mom at a discount while your siblings got nothing? Makes sense to me. You bring up ...
by Kitty Telltales
Mon Nov 25, 2019 1:26 pm
Forum: Non-US Investing
Topic: Downshift ("Barista FI") while consulting and raising kids? [Switzerland]
Replies: 92
Views: 10295

Re: Downshift ("Barista FI") while consulting and raising kids? [Switzerland]

First, thank you for giving the lifestyle choice I made 13 years ago a name. I was just calling it semi-retired or even a third career choice. I was 45 when I started and I am 58 now. I'm thinking about the "more retired" phase now. I did cringe a little when I saw that you are in Switzerland becaus...
by Kitty Telltales
Sun Nov 24, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 99
Views: 9256

Re: Should I buy the family cottage?

I would definitely buy it, as an individual. I would let my siblings use it. If they abused my charity I would have no problem cutting them off. I've let my mother's siblings use my place, usually when they didn't want to spend too much time with their own kids. It made me their favorite niece. :wi...
by Kitty Telltales
Sun Nov 24, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 99
Views: 9256

Re: Should I buy the family cottage?

Good points. If you weren't getting a discount a good question to ask yourself would be "if my family didn't own this house would I be buying it?" Or is this the most ideal style/location/size for a 2nd home? But I am a lot less sentimental than most people. My mom, who lived full time in her place...
by Kitty Telltales
Mon Nov 11, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 12356

Re: Saving seats on Southwest

We're talking about domestic flights which only last a few hours of your life, at most. What's wrong with sitting next to a stranger, even if your family are on the plane? It might lead to an interesting conversation. My husband is also quite chatty and I know I would hear him from where ever he mig...
by Kitty Telltales
Mon Oct 14, 2019 2:59 am
Forum: Investing - Theory, News & General
Topic: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE
Replies: 84
Views: 16908

Re: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE

How should a healthy, hopefully long-lived 60 year old couple with a $1M portfolio evaluate risk? What techniques should they employ in portfolio construction to manage risk during draw down? Let's assume SS and Medicare are unchanged and this couple does not have employer pensions. Also same quest...
by Kitty Telltales
Thu Oct 10, 2019 5:07 am
Forum: US Chapters
Topic: Retirement Class of 1998
Replies: 62
Views: 11554

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: 11554

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: 5037

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: 5145

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: 2540

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: 2540

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: 1594

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: 7625

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: 3808

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: 1594

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: 20
Views: 2498

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: 11372

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: 6668

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: 1260

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: 6790

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: 1683

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: 3131

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: 121
Views: 12933

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: 10563

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: 5671
Views: 484769

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: 121
Views: 30192

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: 17
Views: 2268

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: 37755

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: 6447

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: 6994

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: 2341

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: 8340

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: 1474
Views: 169655

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: 9703

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: 1897

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: 10561

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...