Search found 2313 matches

by Barefootgirl
Fri Apr 16, 2021 4:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14572
Views: 1118308

Re: U.S. stocks continue to soar!

melt up indeed! almost reminds me of the heady days of irrational exuberance
by Barefootgirl
Thu Apr 15, 2021 1:09 pm
Forum: Personal Consumer Issues
Topic: Securing Plastic Tote Boxes for Long Distance Move
Replies: 5
Views: 445

Securing Plastic Tote Boxes for Long Distance Move

I'm packing this week in anticipation of a long distance move later this month. Some of the boxes, including plastic tote type boxes, have already been in storage for a few years. I noticed today that the lids on some of the tote boxes are warped -this would be the totes on the bottom of the stack o...
by Barefootgirl
Thu Apr 01, 2021 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Quick Jump from High Income to Low Income, tax questions
Replies: 4
Views: 536

Quick Jump from High Income to Low Income, tax questions

Yesterday was the last day of my long career (yeah!) My earned income for 2021 will be a dramatic drop from 2020 and and most previous ones. I'll be pulling from my checking account for living expenses until I get a withdrawal strategy in place, hopefully shortly, dealing with a household move at th...
by Barefootgirl
Wed Mar 31, 2021 11:30 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 207
Views: 22841

Re: Roll Call for the Retirement Class of 2021!

Graduated today, right according to schedule! :)

Yeah! School's Out Forever!
by Barefootgirl
Thu Mar 11, 2021 10:25 am
Forum: Personal Consumer Issues
Topic: courses/classes in card games - the basics?
Replies: 39
Views: 3055

courses/classes in card games - the basics?

I've played blackjack at casinos, but I would like to learn how to play poker. I only know the very basics of the game. This is for entertainment, not for income - so please, no warnings necessary lol. Any suggestions for ways to learn the basics via any medium? in person, online, books, etc.? Also,...
by Barefootgirl
Sun Mar 07, 2021 11:04 am
Forum: Personal Consumer Issues
Topic: Consumer Math Question
Replies: 32
Views: 2109

Consumer Math Question

My daughter jumped on an online offer from a local spa. The offer was buy one gift certificate, get an additional certificate for 50% off. So, she sent them $300. We expected that to mean she would get one certificate for $300 and a "free" certificate for $150. Except - when she sent them ...
by Barefootgirl
Sun Mar 07, 2021 9:10 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5135
Views: 968609

Re: What's Your Credit Card Rewards Strategy?

Thank you for the suggestion to fund my future Amazon purchases (trying to wean myself from Amazon) using top offs to the account. Mini rant - the Synchrony card does not operate like a traditional credit card where the bank has a relationship with the card holder. Synchrony apparently is just an ar...
by Barefootgirl
Sun Mar 07, 2021 9:07 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5135
Views: 968609

Re: What's Your Credit Card Rewards Strategy?

Yes, Hyatt...wow. I received 61, yes 61, free nights from them in 2020.
by Barefootgirl
Sat Mar 06, 2021 12:56 pm
Forum: Personal Consumer Issues
Topic: USPS is incredibly fast!
Replies: 163
Views: 11694

Re: USPS is incredibly fast!

This is also impacting returns to Amazon. While as long as you get it in the mail within 30 days, a return will be accepted - it is taking forever for it to be received and acknowledged by Amazon. Amazon used to refund from the time of scanning, now only refunding upon final receipt. In recent cases...
by Barefootgirl
Sat Mar 06, 2021 11:04 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5135
Views: 968609

Re: What's Your Credit Card Rewards Strategy?

What card do you use for purchases on Amazon?

Considering abandoning my Amazon Synchrony card due to very poor customer service/no purchase protection. Not worth debating the details of my experience with them. Not worth the 5% rebate.

thanks
by Barefootgirl
Fri Mar 05, 2021 1:39 pm
Forum: Personal Consumer Issues
Topic: Podcasts - health/wellness/aging?
Replies: 13
Views: 852

Re: Podcasts - health/wellness/aging?

Bogleheads is built, in part, on the idea of financial due diligence. I see health issues in the same way. I don't do gurus, but I do review the information from sources I've come to view positively.
by Barefootgirl
Fri Mar 05, 2021 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Tell us your side hustle success stories.
Replies: 73
Views: 10642

Re: Tell us your side hustle success stories.

Bank bonuses - average $2K-$5K per year for little effort.

Seeking other mostly passive income streams.
by Barefootgirl
Thu Mar 04, 2021 5:33 pm
Forum: Personal Consumer Issues
Topic: How much do you spend nightly for hotels (leisure/vacation)?
Replies: 213
Views: 12795

Re: How much do you spend nightly for hotels (leisure/vacation)?

The major brands tend to rate their properties by categories, usually 1 to 7 or 1 to 5. Generally speaking, Categories, 7,6, sometimes 5, tend to be luxe resorts with full service and all amenities. Categories 5 or 4 tend to be large, well appointed conference hotels or fancy downtown city digs....H...
by Barefootgirl
Thu Mar 04, 2021 11:04 am
Forum: Personal Consumer Issues
Topic: Produce Delivery Services
Replies: 11
Views: 546

Produce Delivery Services

I frequently get ads for produce delivery - usually misshapen or unloved fruits and vegetables or harder to find organic produce. I don't need meal delivery, but the idea of fresh produce on the door step is appealing.

Anyone here use these and recommend them? thanks
by Barefootgirl
Thu Mar 04, 2021 10:22 am
Forum: Personal Consumer Issues
Topic: How much do you spend nightly for hotels (leisure/vacation)?
Replies: 213
Views: 12795

Re: How much do you spend nightly for hotels (leisure/vacation)?

Usually the net cost is <$100/night even during peak periods - but only because I make heavy use of promotions, points, elite status, etc. I tend toward Category 3 properties.

I expect my costs to go up in the future however as COVID related hotel brand promotions dissipate.
by Barefootgirl
Thu Mar 04, 2021 10:18 am
Forum: Personal Consumer Issues
Topic: Long Distance Move/Loading & Unloading Labor services
Replies: 4
Views: 249

Long Distance Move/Loading & Unloading Labor services

I am using a U-Pack trailer for an upcoming move. In terms of loading and unloading at each location, I am planning to hire movers. U-Pack has referred me to just such a service (Moving Staffers) and from research online, they have terrible reviews everywhere. I need a service I can count on. If any...
by Barefootgirl
Tue Mar 02, 2021 9:54 am
Forum: Personal Consumer Issues
Topic: Podcasts - health/wellness/aging?
Replies: 13
Views: 852

Podcasts - health/wellness/aging?

There are many podcast recommendations around the forum for finance related topics. Does anyone have any podcast recommendations for health/wellness/aging related topics? I am seeking podcasts that go beyond the very basic advice to eat veggies and walk fo exercise, but not so much podcasts that use...
by Barefootgirl
Sat Feb 27, 2021 6:36 pm
Forum: Personal Consumer Issues
Topic: USPS Postmarks on Envelopes
Replies: 38
Views: 3446

Re: USPS Postmarks on Envelopes

I've noticed of late that USPS is beginning to resemble the postal service in many lesser developed countries. Not sure how that bodes for the future.
by Barefootgirl
Sat Feb 27, 2021 11:52 am
Forum: Personal Consumer Issues
Topic: Choosing Healthcare/Telehealth platforms
Replies: 1
Views: 277

Choosing Healthcare/Telehealth platforms

I am curious how others choose their healthcare providers. I am seeking to become a better informed consumer of healthcare services, after a few negative experiences. I am familiar with going with recommendations from friends/family and current providers and I suppose there are even rating services ...
by Barefootgirl
Sun Feb 21, 2021 5:29 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 461
Views: 36281

Re: So what are you cooking

Planning a chicken curry for tomorrow.

I was inspired today at the Buddhist temple where I go to commune, at times.

They held a fundraiser (outside, spaced wide) and sold Thai food to raise funds for the temple.

I had wonderful satay and papaya salad.
by Barefootgirl
Thu Feb 18, 2021 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: 401k (TSP) 2021 contribution question
Replies: 4
Views: 290

Re: 401k (TSP) 2021 contribution question

<<You can use the income as a basis for a Roth IRA contribution>>

but if the $7K distribution has already been made to a separate Roth IRA, then this wouldn't be applicable, right?
by Barefootgirl
Thu Feb 18, 2021 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: 401k (TSP) 2021 contribution question
Replies: 4
Views: 290

401k (TSP) 2021 contribution question

I'm retiring from the fed govt in a few short weeks. There won't be enough time left on payroll this calendar year to max out my max contributions in the 401k (RothTSP) for 2021. I will however be receiving a rather large check after I retire for the sum of my accumulated annual vacation leave. I un...
by Barefootgirl
Tue Feb 16, 2021 11:57 am
Forum: Investing - Theory, News & General
Topic: 2021 I Bonds: what's your plan?
Replies: 204
Views: 24076

Re: 2021 I Bonds: what's your plan?

Waiting until the end of the month was much more satisfying when my ING savings account was paying 5%

Was ING the bank with the orange as a logo? Trying to remember, was one of the earlier large online banks?
by Barefootgirl
Sat Feb 13, 2021 6:00 am
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 450
Views: 29237

Re: The Power of Working Longer

Retiring next month. Reading this thread makes me even happier about that.
by Barefootgirl
Wed Feb 10, 2021 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5135
Views: 968609

Re: What's Your Credit Card Rewards Strategy?

Seriously ? There are plenty of nice Intercontinentals worldwide. It's true that IHG's capping free night points makes several of them out of reach, but not all. Most of my travels of the past few years have been domestic, except for some very nice Intercontinental properties in Cleveland, of all p...
by Barefootgirl
Wed Feb 10, 2021 5:52 pm
Forum: Personal Consumer Issues
Topic: Dash cams?
Replies: 36
Views: 3479

Dash cams?

It caught my notice that Amazon was selling dash cams for the lightning deal of the day.

Other than law enforcement and maybe Uber/Lyft/Taxi drivers - who else would find them useful and why?
by Barefootgirl
Mon Feb 08, 2021 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5135
Views: 968609

Re: What's Your Credit Card Rewards Strategy?

yes, Hyatt has been the clear winner for me too.....the crazy part is the more you stay, the more it eventually becomes literally "free" to stay with them, when you consider promotions, etc. For example, in 2020, I stayed over 100 nights with Hyatt and think I only paid cash for about 40 o...
by Barefootgirl
Mon Feb 08, 2021 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5135
Views: 968609

Re: What's Your Credit Card Rewards Strategy?

Thank you for the replies. Here are additional details. I have a slight preference for hotel points due to upcoming road travel, but already have the World of Hyatt card, Hilton Surpass and one of Chase Marriott cards (forget which). Secondly would be cash back and third would be air miles. I alread...
by Barefootgirl
Mon Feb 08, 2021 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Moving an HSA Account - Mechanics?
Replies: 14
Views: 636

Re: Moving an HSA Account - Mechanics?

Did any of this involve a "transfer-in-kind" in order not to sell your investments first? thanks
by Barefootgirl
Mon Feb 08, 2021 11:10 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5135
Views: 968609

Re: What's Your Credit Card Rewards Strategy?

I have some very large expenses coming up soon and they can be paid by credit card.

If you were in this position, which cards would you seek to acquire?

Thanks
by Barefootgirl
Mon Feb 08, 2021 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Moving an HSA Account - Mechanics?
Replies: 14
Views: 636

Moving an HSA Account - Mechanics?

I'm retiring soon and I'd like to terminate my HSA account with HSABank, which is linked to an investment account at Ameritrade. If I decide to return to a HDHP in the future (regular HP for 2021), I will contribute to the new HSA account holder (whoever that turns out to be). Has anyone made such a...
by Barefootgirl
Fri Feb 05, 2021 6:15 pm
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 450
Views: 29237

Re: The Power of Working Longer

But a lot of the other factors also are related to family influence - so if parents lived longer
SES and even the ever so important in those studies of tooth brushing and flossing etc


Do I understand this correctly? tooth brushing and flossing are linked to longevity?
by Barefootgirl
Fri Feb 05, 2021 3:41 pm
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 450
Views: 29237

Re: The Power of Working Longer

My current dream is to be a sommelier and 'help' people 'in person' a few days a week ;)

Do you have to go to school for that or can you learn on the job? :wink:
by Barefootgirl
Fri Feb 05, 2021 10:41 am
Forum: Personal Consumer Issues
Topic: Moving to Central Florida/Need a New Bank
Replies: 17
Views: 1443

Moving to Central Florida/Need a New Bank

I am leaving the mid Atlantic and moving to central FLA. I will also be leaving a 30 year banking relationship. I am not too concerned - my prior bank for 20 years- which was GREAT sold out to Capital One about 10 years ago and I have not impressed since with the level of customer service. I've hear...
by Barefootgirl
Fri Feb 05, 2021 9:43 am
Forum: Personal Consumer Issues
Topic: Mask filters?
Replies: 34
Views: 1873

Mask filters?

My new cloth mask has a pocket for filters that can be swapped out/disposable as such.

Does anyone have a filter seller to recommend? is the issue of "counterfeit" a problem the way it is for KN95 filter masks?
by Barefootgirl
Tue Feb 02, 2021 8:32 pm
Forum: Personal Consumer Issues
Topic: Credit Moves Before/After Retirement?
Replies: 10
Views: 858

Re: Credit Moves Before/After Retirement?

I have no near term plans for a mortgage....

Are there no other credit moves to be made before retirement? thanks
by Barefootgirl
Fri Jan 29, 2021 3:46 pm
Forum: Personal Consumer Issues
Topic: Credit Moves Before/After Retirement?
Replies: 10
Views: 858

Credit Moves Before/After Retirement?

I'm retiring at the end of March. I have no need to borrow money for any reason for the forseeable....not withstanding a possible mortgage sometime down the line. I do make extensive use of credit cards for rewards purposes. Is there anything I should do now before retirement related to the issue of...
by Barefootgirl
Wed Jan 20, 2021 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Retiree HSA - Dropping HSABank? Fidelity?
Replies: 5
Views: 422

Re: Fed Retiree HSA - Dropping HSABank? Fidelity?

I did not realize HSABank has the lock on GEHA :(
by Barefootgirl
Wed Jan 20, 2021 6:50 pm
Forum: Personal Investments
Topic: Slightly Better Return/Slightly More Risk
Replies: 10
Views: 735

Slightly Better Return/Slightly More Risk

I have some 3 year money on hand - a bunch of it. I will need it in less than 3 years, but not right away. Looks like savings accounts are offering a half a percentage - on par with Vanguard Ultra Short Bonds index What would be the next step up in terms of a better earning rate with commensurate ri...
by Barefootgirl
Wed Jan 20, 2021 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Retiree HSA - Dropping HSABank? Fidelity?
Replies: 5
Views: 422

Fed Retiree HSA - Dropping HSABank? Fidelity?

Does anyone know if it's possible to have the GEHA contributions go directly to Fidelity? Can HSABank and Ameritrate be closed in lieu of Fidelity only?

If anyone has any experience with this situation, would appreciate the details of that.

Thanks
by Barefootgirl
Tue Jan 19, 2021 11:37 am
Forum: Personal Investments
Topic: Retiree Portfolio, feedback appreciated
Replies: 2
Views: 339

Retiree Portfolio, feedback appreciated

I am retiring next month. I am now learning the ropes of setting up new income streams, tax implications of lowered income, etc. In terms of a decumulation AA and portfolio, I came up with this - this is the Vanguard 2020 AA and portfolio composition: Vanguard Total Bond Market II Index Fund Investo...
by Barefootgirl
Wed Dec 23, 2020 10:30 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 207
Views: 22841

Re: Roll Call for the Retirement Class of 2021!

Please add me to the list. I was eligible and ready in the fall of 2019, stayed on until March of 2020 and then as we know, some of us feared the big unknowns associated with COVID. Nearly a year later, we can see things a little more clearly...so I gave my notice yesterday, retiring in March 2021, ...
by Barefootgirl
Sun Dec 20, 2020 12:51 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6567
Views: 1451286

Re: What Movie Have You Recently Watched?

Let Them All Talk 2020 Starring Meryl Streep, Candice Bergen and Dianne Wiest Only slightly formulaic as most American movies are, this is a nice change up...older women plumbing the depths of life in the later decades along with regrets and redemption? with big helpings of literary fun and beacoup...
by Barefootgirl
Sun Dec 20, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: New Vehicle Shopping - SUV or Hybrid, suggestions appreciated
Replies: 65
Views: 5092

New Vehicle Shopping - SUV or Hybrid, suggestions appreciated

I currently drive a small SUV and I am seeking to purchase a larger, new or barely used vehicle. My criteria: Midsize or with adequate space for 4-5 people and with fold down second seat. Enough cargo space for luggage for at least 4 people. Reliable or just routine maintenance, looking for trouble ...
by Barefootgirl
Wed Dec 09, 2020 7:00 am
Forum: Personal Consumer Issues
Topic: Thinking about a 2nd Home in Florida
Replies: 37
Views: 5229

Re: Thinking about a 2nd Home in Florida

We have bought a small 900 sq ft park model with attached finished living/ bed/laundry room.

I thought that by definition, a park model is a maximum of 400 square feet.

Can you share more details about what you bought? interesting.
by Barefootgirl
Sun Nov 22, 2020 7:10 am
Forum: Personal Consumer Issues
Topic: Blue Light Filter for Laptops?
Replies: 9
Views: 574

Blue Light Filter for Laptops?

Can anyone recommend an effective blue light filter for a laptop? If it makes a difference, I use a Macbook Air. thanks!
by Barefootgirl
Wed Nov 11, 2020 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Another way of deferring income to 2021
Replies: 5
Views: 689

Re: Another way of deferring income to 2021

Thank you, I did not consider that....and yes, I am above that number...

even though a large percentage of my earnings in the first quarter are headed into a Roth, there will still be a 2021 tax bite.
by Barefootgirl
Wed Nov 11, 2020 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Another way of deferring income to 2021
Replies: 5
Views: 689

Another way of deferring income to 2021

I am retiring in a few months, March 2021. I was recently given the choice of either taking my year end bonus in cash or vacation hours. In the past, I have taken the cash, but it occurred to me this year to take the hours. Whatever hours that remain unused when I retire, will be paid to me in cash ...
by Barefootgirl
Wed Nov 11, 2020 8:00 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1503
Views: 178849

Re: What frugal thing did you do today?

Staying at a hotel using points while waiting for my snowbird home to be ready soon.

Hotel provides meals at little or no cost.

Expenses are few I guess except for auto and health insurance....gas when I go out to buy a few things like pods for my Nespresso ;)
by Barefootgirl
Mon Nov 02, 2020 11:08 am
Forum: Personal Consumer Issues
Topic: Ordering Plants/Flowers Long Distance
Replies: 9
Views: 543

Ordering Plants/Flowers Long Distance

I need to send a plant to someone, from my family for condolences. I am thinking of a Peace Lily.

Can you recommend a reliable long distance online floral service?

Thanks