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Re: Any success stories of ppl who never made >$50,000?

I consider my story an example of success, although for many years I've earned above $50K - simply because you can't look at income in a vacuum. As others have mentioned, higher incomes are correlated with local cost of living. In the beginning years of my career, without family support, connections...
by Barefootgirl
Wed Sep 17, 2014 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 9256

Do you participate in the "Sharing Economy"?

Either as a a buyer or seller?

I've rented private vacation cottages on airbnb.com, but that's it so far... have never rented or sold time in my car or home, for example.

BFG
by Barefootgirl
Wed Sep 17, 2014 5:53 pm
 
Forum: Personal Consumer Issues
Topic: Do you participate in the "Sharing Economy"?
Replies: 1
Views: 242

Re: Lump Sum Offer

Thank you so much, all of this information is helpful. I had a funny thought last night - i.e. - that if the analysis turns against the lump sum, whether the number might be negotiable.

It's my nature to think of everything that way, lol.

BFG
by Barefootgirl
Wed Sep 17, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer
Replies: 15
Views: 1497

Re: The boglehead way to buy furniture

I'm with you...hate to pay for rapidly depreciating items (which speaks a lot about their true cost to me)...but don't want ugly, cheap things either. I bought a quality bed and prolong its life through frequent mattress flipping. I bought a sofa 20 years ago, had it reupholstered once, but keep it ...
by Barefootgirl
Tue Sep 16, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: The boglehead way to buy furniture
Replies: 54
Views: 3938

Re: Key to happintess in retirement.

I am now reading blogs and books by entrepreneurs who offer their books, consulting, and other services in the cyberspace, while working out of their home. If you have any blogs or books you find the most helpful, would appreciate if you could share the names...I am tossing around all kinds of post...
by Barefootgirl
Tue Sep 16, 2014 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Key to happiness in retirement
Replies: 36
Views: 3624

Re: Why do so many think their home is a foolproof investmen

These homeownership vs. renting threads always make for good entertainment (and enlightenment!). I've done it all - rented, owned homes and been a nomad...they've all had their disadvantages and advantages. I currently live in an area of homeowners of expensive homes (although I don't currently own)...
by Barefootgirl
Mon Sep 15, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6129

Re: Lump Sum Offer

I'm purely speculating as to their reasons for now offering lump sum options, maybe they want to get the obligations off their books in advance of some business move - otherwise, why go through the exercise unless it benefits both parties in some way?... unless they are betting that people more desp...
by Barefootgirl
Mon Sep 15, 2014 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer
Replies: 15
Views: 1497

Re: Lump Sum Offer

If the lump sum converted to an annuity was more generous than the pension payments, would you take the lump sum and roll it over, if you were planning to work at least awhile before retirement?

BFG
by Barefootgirl
Mon Sep 15, 2014 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer
Replies: 15
Views: 1497

Re: Lump Sum Offer

Thank you.

Yes, when I find out what the lump sum is, of course that makes all the difference.

The pension plan is administered by an independent party, for whatever that is worth.

BFG.
by Barefootgirl
Mon Sep 15, 2014 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer
Replies: 15
Views: 1497

Lump Sum Offer

Starting later next year, I am eligible to begin taking early retirement , reduced pension payments from a former employer. If I wait to "normal" retirement age, which they indicate is 65, I would be entitled to more than 3 times the amount of the early retirement payments. There has never...
by Barefootgirl
Mon Sep 15, 2014 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer
Replies: 15
Views: 1497

Re: Tiny house movement.

I've lived in small square footage homes and they felt spacious. and I've lived in homes with a large amount of square footage and they felt cramped. Configuration and design can make a HUGE difference as well as climate. I think it would be harder to live in a tiny space in an area known for a good...
by Barefootgirl
Mon Sep 15, 2014 4:28 pm
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 54
Views: 3320

Re: terminology in legal contracts



I believe his advice was to add a phrase such as "except in the event of liability by the company." I did so and signed the agreement. I'm not sure if they even noticed.


yes, this or similar.
by Barefootgirl
Sat Sep 13, 2014 1:12 pm
 
Forum: Personal Consumer Issues
Topic: terminology in legal contracts
Replies: 10
Views: 864

Re: Learning a NEW language - Foreign Service Inst

I've used various methods and second the opinion about immersion. Immersion took me from a being able to read and understand a second language, to actually becoming interactive.

BFG
by Barefootgirl
Sat Sep 13, 2014 1:10 pm
 
Forum: Personal Consumer Issues
Topic: Learning a NEW language - Foreign Service Inst
Replies: 37
Views: 2424

Websites or books for cocktail recipes?

Any favorites, we have a party coming up and want to move beyond serving the usual rum and cokes or vodka and tonics.

Thanks
by Barefootgirl
Sat Sep 13, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Websites or books for cocktail recipes?
Replies: 2
Views: 207

Re: Costco vs Amazon?

I confess to not having been in one of these warehouse type stores in some time....do they still sell items only in large quantity packaging? just thinking about the perishability factor.

BFG
by Barefootgirl
Sat Sep 13, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4422

Personal Liability Insurance

My sister and her husband have decided to retire early and they are investigating the possibilities of earning some part time income in the future from house sitting and possible minor household tasks (bringing in mail, watering plants, etc.) Her husband also has some handyman skills. They live in a...
by Barefootgirl
Fri Sep 12, 2014 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Personal Liability Insurance
Replies: 7
Views: 526

Re: The Great Courses.com

I see that there is app on certain devices to stream these classes - don't have all the details yet.

BFG
by Barefootgirl
Thu Sep 11, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: The Great Courses.com
Replies: 23
Views: 2201

Re: The Great Courses.com

Thank you all for the feedback...with many of the courses, I'd prefer to "rent" if possible, so I am looking at streaming options....would be great to view and listen to some of these courses on public transportation. At this point in my life, Great Courses looks like the best option, sinc...
by Barefootgirl
Thu Sep 11, 2014 8:11 am
 
Forum: Personal Consumer Issues
Topic: The Great Courses.com
Replies: 23
Views: 2201

Costco vs Amazon?

I was recently gifted a Costco membership and I've never shopped there before, so I looked around online for shopping tips for Costco...ran across some sites with posters indicating that Amazon offers better pricing on the same items. Our household is small and I tend not to purchase in bulk. If you...
by Barefootgirl
Thu Sep 11, 2014 8:05 am
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4422

Re: Giftcards

yes, optimally I was hoping to swap for establishments I would use...I don't expect anyone to give cash for them. They're also not really geared toward the folks I know, so maybe charity is another option, thanks
by Barefootgirl
Tue Sep 09, 2014 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Giftcards
Replies: 14
Views: 1207

Giftcards

I've received several giftcards which sit in a stack on my desk, since they are for establishments I do not tend to frequent. If I try to swap these for cash or an equivalent, I am likely to lose a percentage to website transaction fees and the like. Does anyone know if there is a consumer to consum...
by Barefootgirl
Mon Sep 08, 2014 6:17 pm
 
Forum: Personal Consumer Issues
Topic: Giftcards
Replies: 14
Views: 1207

The Great Courses.com

Have any of you purchased any of the course material from this company? If so, looking for comments on quality of the information/instruction.

Do they have competition?

Thank you, BFG
by Barefootgirl
Sun Sep 07, 2014 5:36 pm
 
Forum: Personal Consumer Issues
Topic: The Great Courses.com
Replies: 23
Views: 2201

Re: Retire Early Dot Com - recent Terhorst interview

Here's an article about them - http://www.mymoneyblog.com/cashing-in-on-the-american-dream-how-to-retire-at-35-by-paul-terhorst-book-review.html Indicates they retired with $400K...and used laddered CDs I believe...in a previous interview in 2007, he said they could not return to live in the US due ...
by Barefootgirl
Sun Sep 07, 2014 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: Retire Early Dot Com - recent Terhorst interview
Replies: 6
Views: 1148

Retire Early Dot Com - recent Terhorst interview

This interviews gives me pause to question whether I might be too conservative in my own approach.

They are still retired, still living the nomad lifestyle and at age 65 with a 95+% stock allocation.

http://retireearlylifestyle.com/aaa/pau ... update.htm
by Barefootgirl
Sun Sep 07, 2014 10:11 am
 
Forum: Investing - Theory, News & General
Topic: Retire Early Dot Com - recent Terhorst interview
Replies: 6
Views: 1148

Travel to the Netherlands?

I'm adding another item to the "bucket list" (trying to think of a better name for it).... I'd like to go to the Netherlands next year to attend the Redhead Days.... Wondering if anyone here has been there, can offer tips on things not to miss, etc. Although I am an ethnic mix, I bear the ...
by Barefootgirl
Sat Sep 06, 2014 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Travel to the Netherlands?
Replies: 6
Views: 582

Longevity Annuities?

Has anyone heard from their 401K or employer yet on this new option? Anyone already decide to take advantage of this?

http://www.treasury.gov/press-center/pr ... l2448.aspx

Thank you, BFG
by Barefootgirl
Wed Sep 03, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Annuities?
Replies: 54
Views: 2304

Re: How much does your home *really* cost?

Victoria, Do you mind elaborating on this statment? I am wondering how the apartment optimizes the other expenses vs. storage. Thanks An apartment adds $12k/year in expenses, in comparison to storage, but it helps to optimize many other expenses such as seasonal clothes, electronics, dishes, car par...
by Barefootgirl
Wed Sep 03, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much does your home *really* cost?
Replies: 23
Views: 4225

Coin Counting Machines

I went into my bank branch today to use one of their counting machines...it's a free service for customers...great machines, throw your coins on the belt, the machine counts them and spits out a receipt that you take to the window to be credited to your account...except they pulled all the machines ...
by Barefootgirl
Wed Sep 03, 2014 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4039

Re: Preparing to retire checklist

Thank you for the updates and maybe I speak for many here when I say I look forward to your updates. Good luck on the move...I understand how that goes. The silver lining is that these situations provide a golden opportunity to weed out the unwanted material possessions...freeing us up even further....
by Barefootgirl
Mon Sep 01, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Preparing to retire checklist
Replies: 100
Views: 10727

Re: Preparing to retire checklist

Victoria, I might have missed it in an earlier post, but I was curious how you handled the issue of certain benefits. With respect to unused medical leave, assume that goes toward your pension calculation for time in service and therefore, there is no payment for unused ML. With respect to unused an...
by Barefootgirl
Sun Aug 31, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Preparing to retire checklist
Replies: 100
Views: 10727

Re: Another Milestone

[i] This is a significant milestone. Congratulations, Barefootgirl!

+1 to this. Congratulations. Time to consider buying some shoes.

Thank you! Much appreciated, it's been a bumpy road, but smoothing out now....

No new shoes...I guess I've gotten this far without them :)

hiking boots? yes!

BFG
by Barefootgirl
Fri Aug 29, 2014 6:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another Milestone
Replies: 9
Views: 1343

DIAs, SS, etc.

Lately, I've been reading up on the advantages of deferred annuities, which seem to be another spin on how to cover later in life living expenses. Another I see often mentioned here is delaying Social Security to age 70... So I think I need to consider all options...I understand in principal why del...
by Barefootgirl
Fri Aug 29, 2014 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: DIAs, SS, etc.
Replies: 1
Views: 264

Re: My husband's " WILL", $ left for me to live on....

When I first read the original post, I thought it was a scam/spam post - you know... "My spouse has $7M, how can I have enough to live on later..?"...but coming back here now to read this, I see it's true. I am without words, not often that happens to me lol. I really have no advice to off...
by Barefootgirl
Fri Aug 29, 2014 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17343

Another Milestone

I'm a vestige of another time - today, after 5 years with my current employer, I am pension eligible. My earliest date to receive this income will be in 5 more years or wait until I reach 62. I am hoping to start taking payments in 5 years. I have a rough calculation of the monthly amount at that ti...
by Barefootgirl
Thu Aug 28, 2014 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another Milestone
Replies: 9
Views: 1343

Re: Quote from a mover: Please comment

In your case then, hand delivering the books to the new location sounds like the best option...I realized in the last couple moves, that books are the heaviest items I own...that presents it own challenge, particularly if they are text books. Makes me ever so grateful now for the current storage med...
by Barefootgirl
Sun Aug 24, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Quote from a mover: Please comment
Replies: 46
Views: 3858

European Wine Festivals?

I'm considering a trip to Spain to attend some wine festivals, notably the festival of San Mateo in Logrono, held every September.

Curious if anyone here has attended this festival and any comments about it ? Thanks, BFG
by Barefootgirl
Sun Aug 24, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: European Wine Festivals?
Replies: 2
Views: 327

Re: Quote from a mover: Please comment

Victoria, As someone who has been through this too frequently in the past several years, I understand the inherent stress of it all and wish you all the best, but have confidence it will all work out for you. Although I have a lot of "stuff" in terms of books, clothing, cookware, sentiment...
by Barefootgirl
Sun Aug 24, 2014 11:00 am
 
Forum: Personal Consumer Issues
Topic: Quote from a mover: Please comment
Replies: 46
Views: 3858

Re: Quote from a mover: Please comment

yes, they appreciate tips and ice water. For minor jobs, I gave them each $30 - for my big move - $50 each.

They are amazingly efficient in how they move items quickly.

BFG
by Barefootgirl
Fri Aug 22, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: Quote from a mover: Please comment
Replies: 46
Views: 3858

Re: Quote from a mover: Please comment

Two Marines is just the name of the business - it's actually much more "professional" than the name sounds. They will send two or three off duty military personnel depending on the size of the job, which they scope out when they interview you and you tell them what it is and how much you a...
by Barefootgirl
Fri Aug 22, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: Quote from a mover: Please comment
Replies: 46
Views: 3858

Re: Quote from a mover: Please comment

Maybe I should mention that for a whole apartment worth of furniture, boxes, etc. my highest tab with Two Marines was never more than $600. I did not use their time for packing or unpacking, maybe that is a key issue as well. I had everything ready to go when they arrived. I used them strictly for m...
by Barefootgirl
Fri Aug 22, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Quote from a mover: Please comment
Replies: 46
Views: 3858

Re: Quote from a mover: Please comment

Victoria, I can strongly recommend Two Marines Moving Service based in Alexandria, VA. I've used their services 4 times in 5 years and every time, I was satisfied. Customer service is top notch. The prices you show seem a bit higher than what I paid them as recently as March of this year. Distance b...
by Barefootgirl
Fri Aug 22, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Quote from a mover: Please comment
Replies: 46
Views: 3858

Re: Pressure Cookers?

Would love to know some of your favorite recipes for the Instant Pot....I try to stick to whole foods as well, as they come in natures package lol

BFG
by Barefootgirl
Thu Aug 21, 2014 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3338

Unlimited cell plans dropping in price?

For the area I live in, it appears I need to look to the nationwide carriers in order to obtain good service.

I just saw a Sprint ad for $50/mo for unlimited talk and text, this is about half of what I am paying now to T Mobile.

Anyone happy with Sprint? Thank you, BFG
by Barefootgirl
Wed Aug 20, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 40
Views: 3302

Re: FERS retirement: Final taxes and TSP

Thank you, that clarifies the issue for me.

BFG
by Barefootgirl
Tue Aug 19, 2014 8:39 am
 
Forum: Personal Finance (Not Investing)
Topic: FERS retirement: Final taxes and TSP
Replies: 38
Views: 2504

Re: FERS retirement: Final taxes and TSP

Victoria, First, please allow me to congratulate you on your upcoming retirement :) Can I ask a question regarding your statement?: I was going to delay the FERS annuity until the age of 62 so that I would not lose 5% per year, but when I calculated how much I would have to pay in FEHB and BENEFEDS,...
by Barefootgirl
Mon Aug 18, 2014 9:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: FERS retirement: Final taxes and TSP
Replies: 38
Views: 2504

Re: Haitian Cotton [couch]-how to clean economically

You could try 40 weight clear hair dye developer - worked like a charm for me on stains on white carpet. The recommendation is always to first try in an inconspicuous location.

BFG
by Barefootgirl
Mon Aug 18, 2014 9:50 am
 
Forum: Personal Consumer Issues
Topic: Haitian Cotton [couch]-how to clean economically
Replies: 4
Views: 421

Re: Moving after retirement.

I have family in upstate NY and would love to spend summers with them, but don't want to live with them :0 - but I am hesitant to purchase any property there. While it's cheap, the property taxes and utilities seem prohibitive and then there is the issue of repairs in the spring. They might be jokin...
by Barefootgirl
Mon Aug 18, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: Moving after retirement.
Replies: 43
Views: 4375

Re: Moving after retirement.

As I was thinking about this afterwards, the same occurred to me, that these must be people who are a lot older than I am. There are many women, self included - who need to be just as careful about running into unscrupulous paramours, lol - in my generation, you are just as likely to meet women with...
by Barefootgirl
Sun Aug 17, 2014 6:50 pm
 
Forum: Personal Consumer Issues
Topic: Moving after retirement.
Replies: 43
Views: 4375

Re: Moving after retirement.

Im amazed at how married women look at a single woman who appears on the social scene in a retirement area. She is looked at as a lone wolf, a cougar. If she arrived as part of a couple and is now a widow, that's OK but if she arrived as a single...she is a cougar. Women live longer than men...a ne...
by Barefootgirl
Sun Aug 17, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: Moving after retirement.
Replies: 43
Views: 4375

Re: Retirement luxury vehicle

Wonder what we Bogleheads will want in our 70's.

I think about this from time to time. At this point, I think I'll want a convertible to drive around some place that gets sunshine more than 300 days/year.

BFG
by Barefootgirl
Sun Aug 17, 2014 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4516
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