Search found 184 matches

by Kitty Telltales
Fri Sep 28, 2018 4:08 am
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8735

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: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 511
Views: 56173

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...
by Kitty Telltales
Thu Sep 20, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8735

Re: Physical Banking - Any benefits anymore?

This week I talked about banking with my German students and most said they haven't seen a paper check in over 20 years. They were a bit amused and surprised that Americans actually still write checks. I've only used on-line banking since I've lived in Germany. I have a physical bank in the States a...
by Kitty Telltales
Mon Sep 17, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: How did you decide when to retire?
Replies: 54
Views: 8235

Re: How did you decide when to retire?

He makes 50K per year and is not looking to retire this year. Our only debt (and it's only in my name) is mortgage, 141k@ 3.5%. Housing costs are 2K per month If he takes SS at FRA, in 2019 he gets 2200 per month and I get 1100 as spouse. At 70, my SS is much higher than his, about 3300 per month. ...
by Kitty Telltales
Mon Sep 10, 2018 7:57 am
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE
Replies: 66
Views: 14949

Re: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE

newbie question: I am giving my first steps with funds. I like the idea of diversification but I am not very happy holding stocks of companies like Philip Morris. Is there anything to be done? I think many have this concern when investing in Market Index Funds and perhaps it holds many new investor...
by Kitty Telltales
Wed Sep 05, 2018 9:23 am
Forum: Investing - Theory, News & General
Topic: Investment Books
Replies: 47
Views: 3449

Re: Investment Books

It's a shame we don't have a free lending library through this site, although this site is the best reading material out there. Just before I opened this thread, I received Bill Bernstien's , The Meaning of Money from Amazon. I also binged on Amazon last weekend on many books from all the speakers a...
by Kitty Telltales
Wed Sep 05, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Wills and overseas beneficiaries
Replies: 10
Views: 799

Re: Wills and overseas beneficiaries

If anyone could chime in on adding a non-resident alien as a beneficiary on American accounts, I could use this information too. Must they get an ITIN? I've been trying to add my husband as a beneficiary to my American accounts and have got stuck by his not having a SSN. I looked into this yesterda...
by Kitty Telltales
Tue Sep 04, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Wills and overseas beneficiaries
Replies: 10
Views: 799

Re: Wills and overseas beneficiaries

Hillview wrote:
Mon Sep 03, 2018 2:24 pm
we have my BIL and SIL as beneficiaries in our will and they are not US citizens
Yes, but wouldn't it be better to have them as beneficiaries directly on your bank accounts?
by Kitty Telltales
Tue Sep 04, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Wills and overseas beneficiaries
Replies: 10
Views: 799

Re: Wills and overseas beneficiaries

If anyone could chime in on adding a non-resident alien as a beneficiary on American accounts, I could use this information too. Must they get an ITIN? I've been trying to add my husband as a beneficiary to my American accounts and have got stuck by his not having a SSN. I looked into this yesterday...
by Kitty Telltales
Mon Sep 03, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 192
Views: 35241

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

Bogleheads: I made the original post: "The Rich Should Pay-Off Their Mortgage." I'm not "rich," but I could pay-off my mortgage if I wanted to. I prefer not to pay-off my mortgage. Here's why: I am age 94 with a desire to help my family and various charities while I am still alive. Unfortunately, a...
by Kitty Telltales
Fri Aug 31, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: keep rental condo?
Replies: 18
Views: 1378

Re: keep rental condo?

Ask yourself," is it worth the worry or could I just invest the money in index fund?" I sold a property like this 2 years ago and now I feel much more free.
by Kitty Telltales
Fri Aug 31, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 12000

Re: How do you 7 figure guys organize multiple accounts?

I use Vanguard. They have the option to enter outside accounts. Every month or so I manually update them. I'm looking on their site for this option. Can you give me a hint how I can do this? Update: Found the answer to my question. Thank you for posting. You've opened a new door for me. Yes, it was...
by Kitty Telltales
Fri Aug 31, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Native German speakers: need help with translation.
Replies: 17
Views: 2010

Re: Native German speakers: need help with translation.

Like many (most?) other languages, German has different words ( frei and kostenlos ) for the two concepts that we just use a single word--free--for in English. Something to be very careful about when using that English-to-German dictionary. There's a big difference between asking an attractive Germ...
by Kitty Telltales
Fri Aug 31, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Native German speakers: need help with translation.
Replies: 17
Views: 2010

Re: Native German speakers: need help with translation.

Bad oder Badezimmer oder Badestube oder Waschraum (for bigger dormitories) :sharebeer
by Kitty Telltales
Thu Aug 30, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 12000

Re: How do you 7 figure guys organize multiple accounts?

3wood wrote:
Tue Aug 28, 2018 9:01 am
I use Vanguard. They have the option to enter outside accounts. Every month or so I manually update them.
I'm looking on their site for this option. Can you give me a hint how I can do this?

Update: Found the answer to my question. Thank you for posting. You've opened a new door for me.
by Kitty Telltales
Thu Aug 30, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: How to Sell Antiques?
Replies: 15
Views: 1680

Re: How to Sell Antiques?

Antique lover here!! I don't know exactly how this website works but I love to browse around it and dream.

Everything But the House

www.ebth.com
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: 12644

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: 2064

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: 8895

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: 274069

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: 9399

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: 5238

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: 4151

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: 39034

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: 4151

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: 1118

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: 332
Views: 65425

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: 14423

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: 5389

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: 3002

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: 2232

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: 12741

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: 2785

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: 870
Views: 94870

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: 5182

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: 5182

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: 13164

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: 3289

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: 5440

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 UPDATE 9-3-18
Replies: 116
Views: 29468

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: 14922

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: 4272

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: 7401
Views: 1551843

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: 7879

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: 7879

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: 13001

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: 1881

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: 2008

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: 1088

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: 1978

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...