Monday, April 17, 2017
A TEDtalk conversation about female friendship
Randomly came across this today and really enjoyed it. I've admired Jane Fonda for a long time, and Lily Tomlin, too and I've really enjoyed watching Frankie & Grace over the last couple of years. And this talk is very interesting. Funny chitchat at the beginning and then becoming more serious with some very informed and very interesting points.
Sunday, April 16, 2017
Some photos of my (messy) place
I never really did ever post many photos of my new place after I moved. And now it has already been almost a year and I'm still not quite finished fixing things up. After the initial few months of unpacking, painting some of my old furniture, etc., I needed to be just living in my space. I got everything to the stage that there was just one pile of ten or twelve boxes to unpack, all stacked up on one side of my bedroom, in front of the cupboard that most of the stuff would go into. I want to paint and/or varnish that cupboard though and decided that if I just unpacked stuff into it, I'd never get around to it.
For the long weekend this week, I've basically decided to do nothing other than read, watch films and do nothing. Things have just been far too hectic for the last while and I've been getting overwhelmed so it was time to consciously spend time doing as close to nothing as possible and leaving all the other stuff behind. I did have a small burst of energy this morning however and so I spent a half an hour moving some furniture around. I've been thinking about doing this for a while and I wanted to see what it would look like.
'Scuse the mess in most of these photos - as this was a spontaneous rearranging of furniture the photos are honest to goodness candid ones. This level of mess may be very stressful for some of you to see but for me, it's such a big improvement on how I was in my old place (and getting better all the time, actually) that it feels pretty good. And excuse the quality of photos, some even blurrier than my usual.
This is the end of the living room beside the balcony with the couch (also guest bed) and my two armchairs. I really don't need two armchairs but one is the final one from the three-piece suite I took from my parents' house and although I hate the cover (I will get it recovered one day), I really love it to sit in. The other chair is one a friend gave to me when she was moving a few years ago and needed to downsize. I'd always admired it when I visited and couldn't bring myself to refuse it. Anyway, at some stage I thought it would be nice to have an armchair in my bedroom, to curl up in and read, and to free up a bit of space here.
Here are another two photos of the rest of this room. I deliberately took them in such a way that you can easily see where one bit ends and the next begins - it's a nicely sized but not huge room and although I could do with getting rid of some more stuff, I'm not quite there yet. One step at a time.
This is the far end of the room, where I have my dining area. The other big thing I gain from moving one of the armchairs is a feeling of slightly more space so that, whenever I find one I like and can afford, I can put in a proper table without making it feel too cramped. I think. The table that's currently there is 2'x3' (60x90cm), which is fine for just me but doesn't give a lot of space for ever entertaining (I might do, one day, you never know), or using it for anything other than eating.
The nice cabinet hasn't quite been finished either and stuff is a bit higgledy-piggledy in it. I plan to paint it red but got sick and tired of painting last year and put that on hold. Also started dithering between bright red or dark red. Opinions on that issue welcome. (It's actually a fairly flimsy, pretty damaged piece that I bought for 20 euro second hand so I'm not feeling any "painting would be such a mistake for this beautiful piece of furniture" issues at all.
And this is the middle part, which functions as my work space. You can see the table (the stuff on the table is mostly stuff I moved out of the way to be able to move the chair), and the edge of the will-someday-be-red cabinet. Next to that is my writing desk (with red floor protector for the chair to sit on), and beside that you can see the armchair. That should all give you an idea of the amount of space.
This is the corner of my bedroom that I decided to put the chair in. After my initial dreaming / getting carried away thoughts on doing this I did actually measure and realised that it would barely fit in that space.
However, since I was still toying with the idea several months later, I decided it was at least worth trying.
This is the still-unpacked side of the bedroom, on the other side of the bed. As happens, over the course of the last six months or so the neatly stacked moving boxes seem to have attracted a layer of stuff on top.
I know I'm going to be fairly busy for the next couple of weeks but I think once we get into May, with hopefully less rainy weather, I'm going to move these boxes out to the balcony and paint/varnish the cupboard before unpacking it all. There has been a bit of a change of plan though and it's one of those things that proves yet again how you sometimes have to live in a space for a while before making final decisions on things.
Did I ever post a photo of the lovely built-in cupboards here that I immediately designated as jar storage? Here's one (or three, actually) I took last year before I'd even unpacked all of my jars.
Over the winter, however, I realised that these cupboards back onto heating pipes of some kind next door. I put a thermometer in them for a while and they were regularly over 20C, which is just too hot for decent food storage. So, now I'm thinking the jars will go into the cupboard in the bedroom, and the material, yarn, and other crafting supplies, currently still in boxes, will go into these built-in cupboards in the hallway.
Even more reason to varnish or paint that cupboard really well - at the moment the wood is completely porous so if a jar ever leaked (it happens), I'd never get the stain or smell out of the wood. So, that's the plan for now. We'll see how it works out.
One final photo now, of the living room after moving the blue armchair into the bedroom. I'm not entirely happy yet and suspect I'll end up moving this chair around a bit until a find an angle that I like. Or maybe I'll give up on having the footstool there at all (although I do love to use it).
By the way, in case anyone is wondering, the couch could go lengthways along the wall rather than the window (I'd need to shift the desk an inch or so to the left to make space) but there is not enough room to have a chair opposite it without blocking the door out to the balcony. No "after" photos of the bedroom or the other end of the living room yet though. I want to wait, live with it a while and maybe even get photos of a neat and tidy space to show you. So that's it for now. Would love to hear what you think of it all.
For the long weekend this week, I've basically decided to do nothing other than read, watch films and do nothing. Things have just been far too hectic for the last while and I've been getting overwhelmed so it was time to consciously spend time doing as close to nothing as possible and leaving all the other stuff behind. I did have a small burst of energy this morning however and so I spent a half an hour moving some furniture around. I've been thinking about doing this for a while and I wanted to see what it would look like.
'Scuse the mess in most of these photos - as this was a spontaneous rearranging of furniture the photos are honest to goodness candid ones. This level of mess may be very stressful for some of you to see but for me, it's such a big improvement on how I was in my old place (and getting better all the time, actually) that it feels pretty good. And excuse the quality of photos, some even blurrier than my usual.
This is the end of the living room beside the balcony with the couch (also guest bed) and my two armchairs. I really don't need two armchairs but one is the final one from the three-piece suite I took from my parents' house and although I hate the cover (I will get it recovered one day), I really love it to sit in. The other chair is one a friend gave to me when she was moving a few years ago and needed to downsize. I'd always admired it when I visited and couldn't bring myself to refuse it. Anyway, at some stage I thought it would be nice to have an armchair in my bedroom, to curl up in and read, and to free up a bit of space here.
Here are another two photos of the rest of this room. I deliberately took them in such a way that you can easily see where one bit ends and the next begins - it's a nicely sized but not huge room and although I could do with getting rid of some more stuff, I'm not quite there yet. One step at a time.
The nice cabinet hasn't quite been finished either and stuff is a bit higgledy-piggledy in it. I plan to paint it red but got sick and tired of painting last year and put that on hold. Also started dithering between bright red or dark red. Opinions on that issue welcome. (It's actually a fairly flimsy, pretty damaged piece that I bought for 20 euro second hand so I'm not feeling any "painting would be such a mistake for this beautiful piece of furniture" issues at all.
And this is the middle part, which functions as my work space. You can see the table (the stuff on the table is mostly stuff I moved out of the way to be able to move the chair), and the edge of the will-someday-be-red cabinet. Next to that is my writing desk (with red floor protector for the chair to sit on), and beside that you can see the armchair. That should all give you an idea of the amount of space.
However, since I was still toying with the idea several months later, I decided it was at least worth trying.
This is the still-unpacked side of the bedroom, on the other side of the bed. As happens, over the course of the last six months or so the neatly stacked moving boxes seem to have attracted a layer of stuff on top.
I know I'm going to be fairly busy for the next couple of weeks but I think once we get into May, with hopefully less rainy weather, I'm going to move these boxes out to the balcony and paint/varnish the cupboard before unpacking it all. There has been a bit of a change of plan though and it's one of those things that proves yet again how you sometimes have to live in a space for a while before making final decisions on things.
Over the winter, however, I realised that these cupboards back onto heating pipes of some kind next door. I put a thermometer in them for a while and they were regularly over 20C, which is just too hot for decent food storage. So, now I'm thinking the jars will go into the cupboard in the bedroom, and the material, yarn, and other crafting supplies, currently still in boxes, will go into these built-in cupboards in the hallway.
Even more reason to varnish or paint that cupboard really well - at the moment the wood is completely porous so if a jar ever leaked (it happens), I'd never get the stain or smell out of the wood. So, that's the plan for now. We'll see how it works out.
One final photo now, of the living room after moving the blue armchair into the bedroom. I'm not entirely happy yet and suspect I'll end up moving this chair around a bit until a find an angle that I like. Or maybe I'll give up on having the footstool there at all (although I do love to use it).
By the way, in case anyone is wondering, the couch could go lengthways along the wall rather than the window (I'd need to shift the desk an inch or so to the left to make space) but there is not enough room to have a chair opposite it without blocking the door out to the balcony. No "after" photos of the bedroom or the other end of the living room yet though. I want to wait, live with it a while and maybe even get photos of a neat and tidy space to show you. So that's it for now. Would love to hear what you think of it all.
Friday, April 14, 2017
Net worth - April 2017
It seems hard to believe that it has been almost two years since I did one of these posts (here's the one from May 2015). Then again, it doesn't seem possible that this time last year I had just been offered a new job and I was spending the weekend traipsing around Heidelberg viewing as many apartments as I could find. At any rate, one of the pension companies hadn't updated my address before the annual statement was sent out in January and then it seems to have gotten lost in limbo a little bit. However, after several phone calls and a couple of different people trying to figure out what happened, it finally arrived here last week. So here are my updated totals, not all from exactly this week but all from this year. It's kind of annoying that I can only get some of these once a year but at the same time it helps for me to not be stressing about the ups and downs of the markets.
Actually, I have checked these numbers a few times over the last couple of years so I'm going to go ahead and post each increase, rather than play around with my spreadsheet and having to add up increases to get one figure from May 2015 to now. And it nicely shows the couple of times the markets were definitely going down rather than up.
September 2015
Increase in net worth overall: -1.85%
Made up of:
Irish Pension: -6.74%
Irish Retirement Bond: -7.95%
German Riesterrente: +1.58% (actively paying in to this pension)
German BAV: +31.09% (I think I was usually just adding in what I was paying in to this pension)
Vodafone shares: -9.76%
February 2016 (three months after leaving work)
Increase in net worth overall: 4.12%
Made up of:
Irish Pension: -7.65%
Irish Retirement Bond: 0% no updated information
German Riesterrente: +17.36% (actively paying in to this pension, although at a substantially reduced rate since I was no longer working in a highly-paid job)
German BAV: +12.5% (I think I was usually just adding in what I was paying in to this pension and once I left that job, no more payments were made)
Vodafone shares: -8.02%
October 2016 (five months into new, part-time job)
Increase in net worth overall: 2.92%
Made up of:
Irish Pension: +12.80%
Irish Retirement Bond: 0% (no updated information)
German Riesterrente: 0% (actively paying in to this pension, although at a substantially reduced rate since no longer working in a highly-paid job but for whatever reason didn't update the number with payments made)
German BAV: 0% (no more payments being made into this pension and no updated information on value)
Vodafone shares: -8.30%
February 2017
Increase in net worth overall: 7.39%
Made up of:
Irish Pension: +8.21%
Irish Retirement Bond: 11.58% (annual statement received)
German Riesterrente: 0% (actively paying in to this pension, although at a substantially reduced rate since no longer working in a highly-paid job but for whatever reason didn't update the number with payments made)
German BAV: 12.58% (no more payments being made into this pension - this information is from a statement I received after I finally got around to phoning them to give them my new address)
Vodafone shares: -6.87%
April 2017
Increase in net worth overall: 2.45%
Made up of:
Irish Pension: +2.70%
Irish Retirement Bond: 0% (no updated information)
German Riesterrente: 5.91% (actively paying in to this pension, still reduced rate - I decided to leave this at lower rate and start investing in ETF. We'll see how that works out.)
German BAV: 0% (no updated information)
Vodafone shares: 0% (no updated information because I've forgotten my username and password for the online investor centre and keep forgetting to phone them to sort it out!)
ETF savings plan: no change yet as April is the first month. But nearly two years after setting up this online investment account I finally managed to set up one of their savings plans. It's only 50 euro a month, which will go to buying an MSCI World ETF but it's a start at investing at least.
It's nice to see I'm very close to tipping over to the next "-ty" number, i.e. forty rather than thirty. It doesn't feel like about 5,000 is a huge amount of an increase over two years but given that I wasn't working at all for seven months of that, and have been only working 20 hours a week for almost a year, maybe it's not that bad to have not substantially added to it. There'll be no early retirement for me, I think, as my current net worth is about a tenth of what it would need to be to finance my life.
But that's alright. I've been doing a bit of reading around what my state pension entitlements are. The university held a seminar for international employees on pensions and I think I'm finally starting to understand some of the complexities. I'm hoping to have an individual appointment to talk to someone but that probably won't happen until early next year. I did have one lined up for earlier this year but unfortunately had a very bad cold/flu-like illness/bronchitis and had to give it a miss. At least my boss was able to take my spot so it wasn't a complete waste. At any rate, if I have understood it correctly, based on the time that I worked in Ireland, I have an entitlement there to the second-lowest rate of state pension. That's currently about 150 euro per week. It remains to be seen whether there'll actually be any state pension to speak of by the time I make it to pensionable age, assuming I do make it that far, but let's be optimistic. If I was old enough to be collecting it today, that amount would cover my rent for the month. And I'll have whatever small amount coming from my private pensions and investments, as well as my German state pension. I may never be rich but at least there's a good chance that I'll be able to cover expenses and not have to work until I drop.
Starting at the beginning of April, my hours increased to 30 per week (this will mean net salary of about 1,350 instead 990 per month). I have also finally found a mini-job, which is paying me 400 per month, less just a small deduction for pension. I could have opted out of that but it's about 40 euro a month that I probably won't miss much now and will appreciate having in 25 years or so. That's the theory anyway. But apart from the pension deduction the rest of that 400 is tax and social insurance free. It's long hours (2.5-3 hours six days a week) but the tax-free status makes it a not as bad hourly rate as it seems at first. I'm just covering for someone who had to go and attend rehab for a month for a bad back. Her time there may be extended but probably not and then I'll finish up. It's a nice little amount of extra cash but I have to admit that I find the inflexibility of six early mornings every week is getting to me and I don't think I'd want to keep it up long-term. But now that I'm trained in, there might be the possibility of picking up occasional hours, which would probably suit me better.
Actually, I have checked these numbers a few times over the last couple of years so I'm going to go ahead and post each increase, rather than play around with my spreadsheet and having to add up increases to get one figure from May 2015 to now. And it nicely shows the couple of times the markets were definitely going down rather than up.
September 2015
Increase in net worth overall: -1.85%
Made up of:
Irish Pension: -6.74%
Irish Retirement Bond: -7.95%
German Riesterrente: +1.58% (actively paying in to this pension)
German BAV: +31.09% (I think I was usually just adding in what I was paying in to this pension)
Vodafone shares: -9.76%
February 2016 (three months after leaving work)
Increase in net worth overall: 4.12%
Made up of:
Irish Pension: -7.65%
Irish Retirement Bond: 0% no updated information
German Riesterrente: +17.36% (actively paying in to this pension, although at a substantially reduced rate since I was no longer working in a highly-paid job)
German BAV: +12.5% (I think I was usually just adding in what I was paying in to this pension and once I left that job, no more payments were made)
Vodafone shares: -8.02%
October 2016 (five months into new, part-time job)
Increase in net worth overall: 2.92%
Made up of:
Irish Pension: +12.80%
Irish Retirement Bond: 0% (no updated information)
German Riesterrente: 0% (actively paying in to this pension, although at a substantially reduced rate since no longer working in a highly-paid job but for whatever reason didn't update the number with payments made)
German BAV: 0% (no more payments being made into this pension and no updated information on value)
Vodafone shares: -8.30%
February 2017
Increase in net worth overall: 7.39%
Made up of:
Irish Pension: +8.21%
Irish Retirement Bond: 11.58% (annual statement received)
German Riesterrente: 0% (actively paying in to this pension, although at a substantially reduced rate since no longer working in a highly-paid job but for whatever reason didn't update the number with payments made)
German BAV: 12.58% (no more payments being made into this pension - this information is from a statement I received after I finally got around to phoning them to give them my new address)
Vodafone shares: -6.87%
April 2017
Increase in net worth overall: 2.45%
Made up of:
Irish Pension: +2.70%
Irish Retirement Bond: 0% (no updated information)
German Riesterrente: 5.91% (actively paying in to this pension, still reduced rate - I decided to leave this at lower rate and start investing in ETF. We'll see how that works out.)
German BAV: 0% (no updated information)
Vodafone shares: 0% (no updated information because I've forgotten my username and password for the online investor centre and keep forgetting to phone them to sort it out!)
ETF savings plan: no change yet as April is the first month. But nearly two years after setting up this online investment account I finally managed to set up one of their savings plans. It's only 50 euro a month, which will go to buying an MSCI World ETF but it's a start at investing at least.
It's nice to see I'm very close to tipping over to the next "-ty" number, i.e. forty rather than thirty. It doesn't feel like about 5,000 is a huge amount of an increase over two years but given that I wasn't working at all for seven months of that, and have been only working 20 hours a week for almost a year, maybe it's not that bad to have not substantially added to it. There'll be no early retirement for me, I think, as my current net worth is about a tenth of what it would need to be to finance my life.
But that's alright. I've been doing a bit of reading around what my state pension entitlements are. The university held a seminar for international employees on pensions and I think I'm finally starting to understand some of the complexities. I'm hoping to have an individual appointment to talk to someone but that probably won't happen until early next year. I did have one lined up for earlier this year but unfortunately had a very bad cold/flu-like illness/bronchitis and had to give it a miss. At least my boss was able to take my spot so it wasn't a complete waste. At any rate, if I have understood it correctly, based on the time that I worked in Ireland, I have an entitlement there to the second-lowest rate of state pension. That's currently about 150 euro per week. It remains to be seen whether there'll actually be any state pension to speak of by the time I make it to pensionable age, assuming I do make it that far, but let's be optimistic. If I was old enough to be collecting it today, that amount would cover my rent for the month. And I'll have whatever small amount coming from my private pensions and investments, as well as my German state pension. I may never be rich but at least there's a good chance that I'll be able to cover expenses and not have to work until I drop.
Starting at the beginning of April, my hours increased to 30 per week (this will mean net salary of about 1,350 instead 990 per month). I have also finally found a mini-job, which is paying me 400 per month, less just a small deduction for pension. I could have opted out of that but it's about 40 euro a month that I probably won't miss much now and will appreciate having in 25 years or so. That's the theory anyway. But apart from the pension deduction the rest of that 400 is tax and social insurance free. It's long hours (2.5-3 hours six days a week) but the tax-free status makes it a not as bad hourly rate as it seems at first. I'm just covering for someone who had to go and attend rehab for a month for a bad back. Her time there may be extended but probably not and then I'll finish up. It's a nice little amount of extra cash but I have to admit that I find the inflexibility of six early mornings every week is getting to me and I don't think I'd want to keep it up long-term. But now that I'm trained in, there might be the possibility of picking up occasional hours, which would probably suit me better.