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Barefootgirl

melt up indeed! almost reminds me of the heady days of irrational exuberance

Barefootgirl

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...

Barefootgirl

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...

Barefootgirl

Graduated today, right according to schedule!

Yeah! School's Out Forever!

Barefootgirl

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,...

Barefootgirl

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 ...

Barefootgirl

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...

Barefootgirl

Yes, Hyatt...wow. I received 61, yes 61, free nights from them in 2020.

Barefootgirl

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...

Barefootgirl

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

Barefootgirl

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.

Barefootgirl

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

Seeking other mostly passive income streams.

Barefootgirl

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...

Barefootgirl

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

Barefootgirl

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.

Barefootgirl

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...

Barefootgirl

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...

Barefootgirl

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.

Barefootgirl

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 ...

Barefootgirl

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.

Barefootgirl

<<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?

Barefootgirl

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...

Barefootgirl

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?

Barefootgirl

Retiring next month. Reading this thread makes me even happier about that.

Barefootgirl

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...

Barefootgirl

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?

Barefootgirl

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...

Barefootgirl

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...

Barefootgirl

Did any of this involve a "transfer-in-kind" in order not to sell your investments first? thanks

Barefootgirl

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

Barefootgirl

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...

Barefootgirl

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?

Barefootgirl

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?

Barefootgirl

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...

Barefootgirl

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?

Barefootgirl

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

Are there no other credit moves to be made before retirement? thanks

Barefootgirl

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...

Barefootgirl

I did not realize HSABank has the lock on GEHA

Barefootgirl

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...

Barefootgirl

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

Barefootgirl

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...

Barefootgirl

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, ...

Barefootgirl

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...

Barefootgirl

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 ...

Barefootgirl

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.

Barefootgirl

Can anyone recommend an effective blue light filter for a laptop? If it makes a difference, I use a Macbook Air. thanks!

Barefootgirl

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.

Barefootgirl

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 ...

Barefootgirl

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

Barefootgirl

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

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