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Inspired by a recent thread, I decided to look up how benefits change if you file early or late for Germany's "gesetzliche Rente" (basically our version of Social Security). The earliest age to draw Rente is 48 months before FRA (so, at age 63). Benefits are reduced by -0,3% for each month that...

Hi. I have an e-mail subscription to this thread: http://www.early-retirement.org/forums/f28/share-your-fire-milestones-65754-100.html#post2267375 It informs me about new posts, but I cannot see them anymore if I follow the link in the e-mail, or open the thread in my browser. Now I...

Hi friends, I could use some advice. The situation is as follows: My DW inherited her mother's house a while back, and now that we have finally sorted out the estate and sold/donated/given away/thrown out her belongings, we are ready to sell. I decided to handle that myself, as the RE market...

Hi everyone, I'm in the process of refinancing our home mortgage and could use some advice. 4.5 years ago I went with a 5-year-fixed mortgage, which turned out to be the right choice over the 10-year-fixed. Signore Draghi has been suppressing rates all over Europe so much that I can get an even...

Hi there, I've been following this company for a while now, but it's stock is not behaving as I would expect: DL:EN Amsterdam Stock Quote - Delta Lloyd NV - Bloomberg Markets Full disclaimer: I have a small position in DL in my gambling account. It is currently down -45%. I guess this tells you...

In 1969, Buzz Aldrin had to fill in a travel voucher for his trip to the moon to receive USD 33.31. How awesome is that?!

Hello. I was wondering whether anybody on this board has experience with Mercer's International Position Evaluation System (IPE). We have some (former) HR professionals, as well as many middle and senior managers, so I guess some of you may have come across it during your careers. Very...

In a recent thread, member Grigori posted the following statement: I'm wondering how other members who are already FI see this. I would expect that once the pressure of needing a paycheck is off, one would not be stressed by ANYTHING. If you don't need the money, what do you have to lose...

Over the last several years, I always managed to beat my annual savings targets, despite slowly increasing cost of living (aka inflation) and mostly quite modest pay raises. I wondered why that was the case, so I modeled an example in MS Excel to study this. All figures in this example are...

This cartoon is brilliant, IMO: Saturday Morning Breakfast Cereal Warning: Other daily installments of SMBC often contain some language or sexual content, so it is NSFW, I guess. This one is not problematic, though.

Hi! I read an article by Joseph E. Stiglitz today in which he claims the following: "And with wages of those who have only a high school diploma at 62 percent of the typical college grad’s earnings—compared with 81 percent in 1965—the prospects are they will be poorer than their parents."...

Hi all, I've been contacted by a headhunter about a job listing that sounds quite interesting. We haven't talked yet, so I don't know if their client is willing to offer a package which might entice me to change positions. The job description fits my profile very well and overall looks pretty...

Interesting article about efforts to bring home the remains of US service men who died in past conflicts: Killed in Action: Reconstructing Casualties - SPIEGEL ONLINE I found it quite surprising that 5x as many cases are from Korea, compared to Vietnam. Especially since the Korean War was much...

My current glove is getting soft, so I'm looking for a replacement. I'm mostly pitching, but sometimes filling in at several infield positions (2B, 3B, SS). I'm looking for a relatively small model - 11 3/4 or 12 inches. Preferrably light brown, but black is also OK. I've used low-end Rawlings...

Here's some background info about the situation: Until 2008, capital gains were not taxed in Germany if the stock (or stock fund) was held for more than one year. This rule has been abolished as of 01.01.2009. Therefore I own some ETFs which I bought before that date, and any capital gains on...

Hello. Long-time lurker, hit a milestone today and decided to celebrate by finally joining the forums. The bank transfer for my July salary arrived early, and it pushed my portfolio balance over the 100,000 Euro mark for the first time ever. About me: I’m 30 years old, German, and have been...