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Re: Excess Contributions - Roth & HSA

Thank you both for your helpful comments. It looks like I'll be reporting the excess HSA contribution on IRS Form 8889, but so far haven't been able to determine
which form to file to report the excess Roth contribution.

Would you happen to know? Thank you again.
by Barefootgirl
Mon Mar 30, 2015 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess Contributions - Roth & HSA
Replies: 4
Views: 186

Excess Contributions - Roth & HSA

I am accounting for my 2014 excess contributions on my 2014 federal tax return, by removing the excess amounts and having the earnings on the excess calculated in order to be taxed on those amounts. My brokerage indicates they cannot calculate the exact amount of the earnings until the date they act...
by Barefootgirl
Mon Mar 30, 2015 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess Contributions - Roth & HSA
Replies: 4
Views: 186

Re: Hate where we live, do we make major changes?

i think the cultural issues are very significant. The gap between Canada, say, and Upstate NY is much smaller than the gap between Upstate NY and anywhere south of the Mason-Dixon line. This is neither a statement of good nor bad, just a recognition of the potential for big adjustments to be made. ...
by Barefootgirl
Mon Mar 30, 2015 1:09 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 80
Views: 5169

Re: Hate where we live, do we make major changes?

Since we all know that nirvana doesn't exit, we're usually just trading one set of issues for a different set of issues. I suppose the key would be whether the other set of issues would sit better with you than the ones you currently have. That said, I'm very familiar with both upstate NY and Virgin...
by Barefootgirl
Sun Mar 29, 2015 11:10 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 80
Views: 5169

Re: Direct-Indexing?

Thank you very much, I was searching with the hyphen..as it was used in the WSJ. Should have been more obvious to me to search separately.

Thanks
by Barefootgirl
Sun Mar 29, 2015 9:59 am
 
Forum: Investing - Theory, News & General
Topic: Direct-Indexing?
Replies: 12
Views: 939

Direct-Indexing?

I searched this forum for threads on the topic and came up with nothing - but I don't know what else to call it - this is the term used by the WSJ for the service offered by Wealthfront where index funds are replaced by individual stocks for the purpose of taking advantage of tax loss harvesting. I ...
by Barefootgirl
Sun Mar 29, 2015 8:50 am
 
Forum: Investing - Theory, News & General
Topic: Direct-Indexing?
Replies: 12
Views: 939

Re: Macbook Air - software question

Thank you so much - that was so easy...just never used it before and thought it was a separate application.

Again, thanks
by Barefootgirl
Fri Mar 27, 2015 6:38 am
 
Forum: Personal Consumer Issues
Topic: Macbook Air - software question
Replies: 4
Views: 609

Macbook Air - software question

Rather than print, then scan a PDF version of a document (which won't be accepted by the recipient), I need to convert the file to PDF while it's still on my computer - not printed. I've never done this on a Mac. Can someone tell me where I find the application to do this? All help appreciated, than...
by Barefootgirl
Thu Mar 26, 2015 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air - software question
Replies: 4
Views: 609

Re: [Neighbor violating HOA rules by using] VBRO and Airbnb

The one complaint I saw in your message was a noisy Superbowl party? and that could happen with any home, not just one used to accept paid guests.

So what are the specific incidents that seem to be causing complaints among the neighbors?

That's the part I am unclear about.
by Barefootgirl
Tue Mar 24, 2015 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Neighbor violating HOA rules by using] VBRO and Airbnb
Replies: 38
Views: 3866

Re: Roommate problems

These arrangements involve family members. Can't they just work it out by talking to one another to reach an agreeable solution that works for all involved?
by Barefootgirl
Tue Mar 24, 2015 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roommate problems
Replies: 39
Views: 4166

Re: Fish from Costco?

My understanding is that tilapia are fed manure.

I believe wild salmon consumer smaller fish.

I prefer wild salmon, but more so for flavor and nutrient profile.
by Barefootgirl
Tue Mar 24, 2015 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 44
Views: 5355

Re: What Movie Have You Recently Watched?

St Vincent, starring Bill Murray.. Murray was totally in character here.
by Barefootgirl
Sun Mar 22, 2015 12:25 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 655
Views: 86443

Re: Stock Research Tool

Yes, thank you. Unfortunately, this doesn't appear to go back to the 1990s
by Barefootgirl
Sat Mar 21, 2015 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: Stock Research Tool
Replies: 3
Views: 329

Stock Research Tool

Does anyone know if a tool (preferably free, lol) exists where one can look up the opening and closing price of a particular stock on a particular date?

Thank you.
by Barefootgirl
Sat Mar 21, 2015 3:02 pm
 
Forum: Investing - Theory, News & General
Topic: Stock Research Tool
Replies: 3
Views: 329

Re: TurboTax question

Not very exciting, just an excess contribution situation to a retirement vehicle with additional details.
by Barefootgirl
Fri Mar 20, 2015 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax question
Replies: 6
Views: 668

Re: TurboTax question

Thank you for finding that. I was wondering what others might have done in this situation. Seems like a great argument for filing the old fashioned way - through the USPS.

Thanks again, BFG
by Barefootgirl
Fri Mar 20, 2015 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax question
Replies: 6
Views: 668

TurboTax question

It seems that often, whenever there is a unique or uncommon tax situation, the advice comes back that one should include an explanatory note to the IRS with the filing. Does anyone know, when using TurboTax and filing online, where such a note would usually be included? In the old days, a sheet of p...
by Barefootgirl
Fri Mar 20, 2015 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax question
Replies: 6
Views: 668

Re: HSA - Excess Contributions

thank you so much! Using TurboTax.
by Barefootgirl
Tue Mar 17, 2015 7:45 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA - Excess Contributions
Replies: 4
Views: 428

Re: HSA - Excess Contributions

thank you....I called HSABank. They said they'd send me the form required for them to reimburse me the excess. Beyond that, they said I'd need to talk to my tax advisor.

They don't know I am my tax advisor lol.

This is just a first for me...hope it will be the last. BFG
by Barefootgirl
Mon Mar 16, 2015 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - Excess Contributions
Replies: 4
Views: 428

HSA - Excess Contributions

Can someone help me find a link or a reference for the process of how to handle or account for a 2014 excess contribution to my HSA? I stupidly assumed the system would automatically reject any contributions exceeding the allowable amount. Looks like I'll need to calculate an approximate under-contr...
by Barefootgirl
Mon Mar 16, 2015 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - Excess Contributions
Replies: 4
Views: 428

Re: Do you really need 2.5 million to retire well?

Most of these models and projections assume the unit of a couple for planning purposes. The reality is our society has changed. We have more single middle aged and beyond people than ever before. (Few expect to divorce or become widowed and yet the numbers...) I wonder whether other singles, when th...
by Barefootgirl
Fri Mar 13, 2015 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you really need 2.5 million to retire well?
Replies: 121
Views: 12781

Vitamins/Supplements, recs for reliable brands & retailers?

There have been recent news reports regarding vitamins and supplements that do not contain what they are labelled to contain.

I would like to know if you use any brands you believe to be reliable - and receive any recommendations for retailers with good pricing and customer service?

Thank you, BFG
by Barefootgirl
Thu Mar 12, 2015 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Vitamins/Supplements, recs for reliable brands & retailers?
Replies: 12
Views: 932

Re: What are some common misconceptions found in this forum?

Distributions in retirement without pension income will be taxed at the marginal rate


Do you mind explaining this one a little further?

Thank you.
by Barefootgirl
Wed Mar 11, 2015 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 17272

Re: Just cut my cable bill...

All I watch are a couple news channels and whatever I find on Roku - but my understanding is that I still need to pay Comcast for the TV programming, since I cannot obtain the news channels without it...(no possibility for an antenna here). But it seems the way that Comcast bundles the channels, I c...
by Barefootgirl
Tue Mar 10, 2015 10:20 pm
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5390

Re: Mango prepaid card - 4.8% (effective) APY

If I can summarize, If one opens 3 accounts, funds them each with $5K, for a total deposit of $15K, after one year, net of fees, one can earn approx $1,800 in insured accounts? Also, the primary "catch" if you will is limited ability to make withdrawals and monthly direct deposits need to ...
by Barefootgirl
Tue Mar 10, 2015 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 164
Views: 65392

Re: From DIY to Advisor/Assistance - where is the tipping po

I think Neurosphere is starting his own business to do what he wrote about. Yes, Neurosphere is closest to the scenario I envision. I have gotten fantastic feedback here at Bogleheads - but no offense, it can be hit or miss, depending on who's online at the time, who saw the post and whether the qu...
by Barefootgirl
Tue Mar 10, 2015 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: From DIY to Advisor/Assistance - where is the tipping point?
Replies: 20
Views: 1504

Re: From DIY to Advisor/Assistance - where is the tipping po

Thank you all, for all the helpful responses. I think I'll start by looking into the VG advisory service. I chose the 5 funds based on one of the 4 fund portfolio strategies outlined in one of the BH books. It ended up being 5 versus 4 based on what was available in my 401K account = in order to arr...
by Barefootgirl
Tue Mar 10, 2015 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: From DIY to Advisor/Assistance - where is the tipping point?
Replies: 20
Views: 1504

Re: Netflix DVD delivery slowdown?

Yes, I have been aware of the link between USPS and Netflix. In the past I'd put a returned DVD in the mail box and sometime in the middle of the night, Netflix would send me a message that it had been received and they were shipping the next one. Never before have I received an email with that word...
by Barefootgirl
Mon Mar 09, 2015 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 99
Views: 15044

From DIY to Advisor/Assistance - where is the tipping point?

Currently, I manage my own portfolio, consisting of 5 index funds according to my own asset allocation, etc. The international fund is in a taxable account and the rest in tax deferred accounts. I also own some I bonds and bank CDs. The total value of my portfolio is low 7 figures. I keep reading ab...
by Barefootgirl
Mon Mar 09, 2015 6:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: From DIY to Advisor/Assistance - where is the tipping point?
Replies: 20
Views: 1504

Re: High Cost of Fruits and Vegetables

Wow, stoptothink. I don't know where you live or where you shop - but those prices are astonishingly low compared to what I've seen in the DC area - and I am not referring only to high end grocers - I am referring to all grocers.

Now you have me curious~!
by Barefootgirl
Mon Mar 09, 2015 2:48 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 7008

Re: High Cost of Fruits and Vegetables

Rather than suggesting you take up farming or sidetracking you with discussions of nutrition powders and old films, I'll attempt to respond directly to your posts. :P Most groceries now cater to working adults with pre-cut, pre-washed raw vegetables, fruits, slaws, blends, salads. In my area, these ...
by Barefootgirl
Mon Mar 09, 2015 11:57 am
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 7008

Re: Disposing of old greeting/holiday cards

It wasn't a joke in our family. The day after my grandmother's funeral, her son (my uncle) had a dumpster hauled to her door and threw it all away. It was fairly traumatic. She was neither a hoarder, nor a rat packer. He didn't even give the rest of the family a chance to weigh in... I'd say to let ...
by Barefootgirl
Sun Mar 08, 2015 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Disposing of old greeting/holiday cards
Replies: 21
Views: 1073

Re: Traits of Happiest Retirees

...agree that mental health/attitude is as important as physical health. I think the suggestion that people who retire in the city/suburbs are happier than people who retire in the country is a bit absurd. It's been my observation that retirement in the country doesn't look the same as retirement in...
by Barefootgirl
Sun Mar 08, 2015 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Traits of Happiest Retirees
Replies: 29
Views: 3903

Re: WSJ article about boosting retirement income by approx.

Here's some questions borne of my ignorance - what happens if a person dies before their mortgage is paid off and there's not enough left in the estate to pay it off? Mortgage holder writes it off as a loss and maybe they have insurance for these situations? How do lenders generally view potential h...
by Barefootgirl
Sun Mar 08, 2015 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: WSJ article about boosting retirement income by approx. 30%
Replies: 8
Views: 1749

Re: When you put some credit cards in a drawer and not use t

Seems like the rule of thumb (from what I've seen) is 18 months, more or less. FWIW, I keep a binder with plastic sleeves (the kind typically used for business cards) and keep my cards there and bring them out to play once in awhile. My version of baseball cards I guess LOL
by Barefootgirl
Sun Mar 08, 2015 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: When you put some credit cards in a drawer and not use them
Replies: 17
Views: 1869

WSJ article about boosting retirement income by approx. 30%

There's a weekend article in the WSJ by Jonathan Clements where he writes about an income strategy in retirement that will yield a nearly 30% increase (of course, individual circumstances can vary) over taking SS at age 62 and 4% withdrawals. His recommendation (particularly for those not concerned ...
by Barefootgirl
Sun Mar 08, 2015 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: WSJ article about boosting retirement income by approx. 30%
Replies: 8
Views: 1749

Re: Ethnobotany as career choice

I'm aware of at least two in the field that are well respected and chose different paths, you might be able to seek them out for career advice. One of them runs the Northeast School of Herbal Medicine in Ithaca, NY - his name is 7song, Sevensong (very approachable on Facebook). He jokes that people ...
by Barefootgirl
Sat Mar 07, 2015 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ethnobotany as career choice
Replies: 26
Views: 1964

Re: Netflix DVD delivery slowdown?

Put the DVDs in the mail on Wed AM. This morning, Sat, I got a message I have never seen before: Returning Disc Notice The Postal Service sent word that you've returned a DVD to us; so we were able to ship your next available disc sooner. We'll send you a detailed returned disc email upon receipt. M...
by Barefootgirl
Sat Mar 07, 2015 7:59 am
 
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 99
Views: 15044

Re: How do you decide when to buy car?

When I'm at my last resort: taking a cab to the dealership to buy my next one. :mrgreen:

BFG
by Barefootgirl
Fri Mar 06, 2015 7:15 am
 
Forum: Personal Consumer Issues
Topic: How do you decide when to buy car?
Replies: 50
Views: 3311

Middle Age Discounts

My partner will turn 55 this year and we're wondering what kind of discounts/benefits he can avail himself of due to this? - I've noticed some local movie and entertainment venues offering discounts to those 55+.

Any other tips?

Thanks, BFG
by Barefootgirl
Thu Mar 05, 2015 9:17 am
 
Forum: Personal Consumer Issues
Topic: Middle Age Discounts
Replies: 10
Views: 1389

Health Care in Retirement

In the decision, RE: waiting to retire to be eligible for retiree health care benefits, versus retiring earlier and using the ACA benefits.... what kinds of data and assumptions do you use in making the analysis to support your decision? Thank you - facing the same and not sure where to begin in com...
by Barefootgirl
Tue Feb 24, 2015 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Care in Retirement
Replies: 4
Views: 707

Re: What age do you guys plan to retire?

In the decision about waiting to retire to be eligible for retiree health care benefits, versus retiring earlier and using the ACA benefits.... what kinds of data and assumptions do you use in making the analysis to support your decision? Thank you - facing the same and not sure where to begin in co...
by Barefootgirl
Tue Feb 24, 2015 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8873

Re: TradingPlaces' advice on travel awards

I thought I'd spend my first bunch of points (50K) on a domestic flight (DC/Nashville round trip). US Airways website tells me that that 50K in points will get me there, but not back home. Need to spend about 90K in points for this domestic trip. Yikes, at this rate, will take a lot of bonus signs u...
by Barefootgirl
Tue Feb 24, 2015 8:24 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 193
Views: 17353

Re: What's your dream car?

Punch Buggie, no punch back
by Barefootgirl
Tue Feb 24, 2015 8:17 am
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 197
Views: 12664

Re: What is your favorite consumer product?

Starbucks espresso OXO kitchen gadgets Tignanello and Baggalini purses and bags Honda vehicles (although I do not own one at the moment) Lands End ski wear Saucony running and hiking foot wear DHC skin cleansing oil Netflix (although the love is fading) Calphalon pots and pans Life Is Good fuzzy soc...
by Barefootgirl
Fri Feb 20, 2015 11:55 am
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 174
Views: 11325

Re: Genealogy

I don't have much time to devote to this research right now (although I'd love to)....but I did get lucky. I have some distant cousins who are retired geneaology buffs. I found them on Ancestry.com - now, whenever they update the records, I get an email notification. I haven't checked lately, but th...
by Barefootgirl
Thu Feb 19, 2015 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 50
Views: 3220

Re: Help me find my friend !

Did you try Facebook? other social media?
by Barefootgirl
Thu Feb 19, 2015 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Help me find my friend !
Replies: 31
Views: 3306

Re: KissTrust--trust accounts for the middle class?

bumping to echo the earlier question - anyone have any experiencing with using this service?

Thank you....
by Barefootgirl
Thu Feb 19, 2015 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: KissTrust--trust accounts for the middle class?
Replies: 31
Views: 15108

Re: Netflix DVD delivery slowdown?

As of a couple months ago, I started noticing a 2 day turn around vs. 1 day as before. This is unfortunate, as the 1 day turn around was one of their best features.
by Barefootgirl
Fri Jan 23, 2015 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 99
Views: 15044

Re: What Book Are You Currently Reading? Part VI

Interesting discussion. I guess when folks are seeking leniency with respect to forum guidelines, they know which thread to comment on! LOL
by Barefootgirl
Fri Jan 23, 2015 11:52 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 579
Views: 79982
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