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Re: Side jobs or hobbies that make you money

The oldest profession can be very lucrative, but the downsides should not be underscored.

BFG
by Barefootgirl
Thu Nov 20, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 127
Views: 18182

Re: Side jobs or hobbies that make you money

I most appreciate the ideas where the amount earned/amount saved is very favorable compared to the expenditure of time. i think Rodney Dangerfield referred to this concept as "Easy Money". I learned this week that my employer is offering an option of time off in lieu of a year end bonus......
by Barefootgirl
Thu Nov 20, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 127
Views: 18182

Excess Contributions

Somehow, there's been a miscalculation, likely due to an unexpected bonus payment and it appears I will have excess contributions to both my HSA and TSP accounts for 2014. There is a very slim chance I could prevent this, but our payroll office is unbelievably slow in adjusting deductions, so it's m...
by Barefootgirl
Thu Nov 20, 2014 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess Contributions
Replies: 1
Views: 287

Re: Extreme Generosity / Limiting Net Worth

Very interesting thread. Having grown up somewhere near the poverty line, the fine point between enough and excess has always been a curious subject for me. While I am comfortable with my level of giving, I also feel somehow that my wealth accumulation is not for accumulation's sake, but rather as a...
by Barefootgirl
Tue Nov 18, 2014 6:02 am
 
Forum: Personal Consumer Issues
Topic: Extreme Generosity / Limiting Net Worth
Replies: 113
Views: 15040

Re: Life purpose revisited

I think the purpose of all living things is to procreate (whether we end up doing it or not), and die. I really don't think we're here for any reason beyond that.

The meaning of life is something entirely different and unique to each of us.

BFG
by Barefootgirl
Sun Nov 09, 2014 3:20 pm
 
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 8531

Travelling Companions or small groups

I've reached an interesting position where my friends and family members don't have as many resources to travel as I do..in some cases, I can foot the bill for another or other(s) (like my kids)...in other cases, my tastes in travel run farther, wider and deeper than theirs. Looks like I need to fin...
by Barefootgirl
Sun Nov 09, 2014 7:02 am
 
Forum: Personal Consumer Issues
Topic: Travelling Companions or small groups
Replies: 32
Views: 2907

Re: Bogleheads.org equivalents for other areas of life?

You may want to delete your post before it's deleted for you. Nutritional forums not allowed to be mentioned.

BFG
by Barefootgirl
Tue Oct 28, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 7840

Re: How do you wash your car?

I wash my vehicle whenever it starts looking dirty - more the interior than exterior, lol. It's parked outside and I live in a relatively mild climate, so not too often. Drive through car washes here are a rip off. I am having the car detailed next week - we'll see how they do- $87 with Groupon. I'v...
by Barefootgirl
Fri Oct 24, 2014 4:33 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 7395

Re: "I've had it" at work - how often

Thankfully, over the years, my moments of throwing my hands up and wanting to call it quits, have gotten less frequent. In the first two thirds of my career, I worked for a large IT company. Whenever the US economy turned south, they'd find ways to leverage that against the workforce and at those ti...
by Barefootgirl
Wed Oct 22, 2014 7:33 am
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12719

Re: Couch Surfing

I'm a woman and I probably wouldn't couch surf, but safety is only one of my concerns. Often, after a long day of travelling to a destination or spending all day on skis or hiking or sightseeing, I just want peace and quiet at night...it means I've been talking and seeing others all day and often at...
by Barefootgirl
Fri Oct 17, 2014 10:34 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 6036

Re: What have you done to cut costs this year?

I'm planning to retire early in a few years, in part due to performing this exercise 20 years ago. After a couple years of trial and error, I arrived at my comfort zone, then it just became auto pilot.

I'm just hear to tell you that it works...I'm now financially independent.

BFG
by Barefootgirl
Thu Oct 09, 2014 8:45 am
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 134
Views: 12386

Re: Splurge vacation recovery--Hawaii or?

Given what your bodies have been through, health wise, I'd probably want to stay somewhere known for pristine facilities....gut biome and all that. If you don't want to share the name of the resort here, I understand, but maybe you could give us a clue as to the general area? What about Little Palm ...
by Barefootgirl
Tue Oct 07, 2014 7:11 am
 
Forum: Personal Consumer Issues
Topic: Splurge vacation recovery--Hawaii or?
Replies: 30
Views: 2998

Re: Medical Tourism - recent article

He said that patients from less developed countries come there for quality of care, patients from developed countries with government health systems come there for access to care, and American patients come for lower prices.

That says a lot.

BFG
by Barefootgirl
Mon Oct 06, 2014 5:24 am
 
Forum: Personal Consumer Issues
Topic: Medical Tourism - recent article
Replies: 21
Views: 1898

Re: Medical Tourism - recent article

Interestingly, in major publications like the NY Times, etc. - one often reads that many physicians abroad are trained in the US (since presumably, the medical schools here are superior) and yet, at the same time, many foreign born physicians practicing in the US are foreign-trained, so there seems ...
by Barefootgirl
Sun Oct 05, 2014 3:32 pm
 
Forum: Personal Consumer Issues
Topic: Medical Tourism - recent article
Replies: 21
Views: 1898

Re: Medical Tourism - recent article

I would not be surprised to hear of anyone getting negative results from cosmetic surgery or surgery performed to try to correct an issue like obesity - regardless of where the surgery was performed. After all, we live in a country where people have massive quantities of silicone injected into their...
by Barefootgirl
Sun Oct 05, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Medical Tourism - recent article
Replies: 21
Views: 1898

Re: Medical Tourism - recent article

ram, I'm wondering if you have any thoughts on the list of 14 "top" destinations provided by Forbes in the article? Agree, disagree, other locations worth noting?

Thanks!
by Barefootgirl
Sun Oct 05, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Medical Tourism - recent article
Replies: 21
Views: 1898

Medical Tourism - recent article

Came across this recent Forbes article. Have any of you travelled internationally for medical services? if so, would you do so again?

http://www.forbes.com/sites/reenitadas/ ... pacemaker/

BFG
by Barefootgirl
Sun Oct 05, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Medical Tourism - recent article
Replies: 21
Views: 1898

Re: What Movie Have You Recently Watched?

The Lunchbox - and I loved it. A little slice of Indian life, complete with the trials and tribulations of the office worker.

Recommended for me by Netflix. They know me better than I know myself, apparently.
by Barefootgirl
Sat Oct 04, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 254
Views: 27196

Re: How to pay ZERO taxes in retirement with 6-figure expens

We get many posters in the accumulation phase of life who don't appreciate the flexibility you have in retirement or early retirement or partial retirement to manipulate the amount and type of income you have. Excellent point. Where would these uninformed posters go for an overview and further deta...
by Barefootgirl
Wed Oct 01, 2014 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay ZERO taxes in retirement with 6-figure expenses
Replies: 163
Views: 50612

Re: favorite brand name products

Reading through these lists, it occurs to me that I have no brand loyalties, except perhaps Saucony for running shoes and Tignanello for purses and I'd even go so far as to say that I have never purchased most of the brands listed in this thread. I shop Trader Joes because they offer some of the bes...
by Barefootgirl
Mon Sep 29, 2014 6:22 pm
 
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 3214

Re: POLL: Would you rather work half as long or half as ofte

I have an amazing and insatiable curiosity about life, the universe, the physical world, human and planetary history....I can't imagine that I would ever have any trouble filling my hours, so work for me has almost always been a means to an end. I've gotten satisfaction many times from being the sma...
by Barefootgirl
Mon Sep 29, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Would you rather work half as long or half as often?
Replies: 68
Views: 4507

Re: Lump Sum Package With Details

E mployer-provided retirement healthcare is a bit of a crap shoot these days. My own former-employer has stated they are considering dropping the retiree healthcare plan and are actively encouraging retirees to switch to the ACA, so all the years I looked forward to getting this benefit may be for n...
by Barefootgirl
Mon Sep 29, 2014 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Package With Details
Replies: 29
Views: 2047

Re: Lump Sum Package With Details

Thanks max and others. As of today, I am leaning against the lump sum and leaning toward staying under the current terms. The only thing that is all or nothing right now is taking the lump sum. Later, if it turns out that I need more income, I can begin taking the pension payments...I will be eligib...
by Barefootgirl
Mon Sep 29, 2014 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Package With Details
Replies: 29
Views: 2047

Re: The Villages Retirement Community Near Orlando

Looking at your screen name, can we guess a lot of mosquitos in your location? :)

BFG
by Barefootgirl
Sat Sep 27, 2014 6:05 pm
 
Forum: Personal Consumer Issues
Topic: The Villages Retirement Community Near Orlando
Replies: 72
Views: 8038

Re: Treadmills [vs. Ellipticals]

Have any of you known anyone who used one of these combination treadmills/desks - from the video it looks fairly easy to alternate between running and walking.

http://www.proform.com/fitness/en/ProFo ... -treadmill

BFG
by Barefootgirl
Sat Sep 27, 2014 4:39 pm
 
Forum: Personal Consumer Issues
Topic: Treadmills [vs. Ellipticals]
Replies: 55
Views: 4033

Re: Stamps cheaper at Staples than at USPS ?

Recently, I've been shipping packages via the USPS at Office Depot. The Office Depot shipping prices are indeed cheaper, even using the same USPS service..I've seen them as much as 30 to 40% cheaper for the same package weight and size. You enter the label information, the OD employee prints the lab...
by Barefootgirl
Sat Sep 27, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: Stamps cheaper at Staples than at USPS ?
Replies: 12
Views: 1372

Chase Ultimate Rewards Program

I just earned $600 in rewards via a Chase credit card, but I see they have given me an option of the equivalency (apparently) in Chase Ultimate Reward points. I can't recall where I read it, but it seems I've heard the Ultimate Rewards program is a valuable one. Anyone have experience with this? any...
by Barefootgirl
Sat Sep 27, 2014 4:29 pm
 
Forum: Personal Consumer Issues
Topic: Chase Ultimate Rewards Program
Replies: 27
Views: 12408

Re: Lump Sum Package With Details

The timing of this offer comes at a time when I was just beginning to consider the various options I have for retirement income streams, so I did not already have a fixed plan. When I retire, I will definitely start taking an immediate pension earned through my current employment position. Tentative...
by Barefootgirl
Sat Sep 27, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Package With Details
Replies: 29
Views: 2047

Re: Lump Sum Package With Details

Another thought - how does tax treatment figure into the analysis? If a lump sum is rolled over, the earnings won't be taxed until withdrawals are made from the account, so there is tax free growth there for as long as the money remains in the 401K or TSP (401k-like) account or the IRA. If pension p...
by Barefootgirl
Sat Sep 27, 2014 4:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Package With Details
Replies: 29
Views: 2047

Re: Lump Sum Package With Details

Did you plan on taking the pension distributions at that point? If so, how much would they be? This current offer just fell in my lap last week, I had not gotten that far into my retirement planning. Ive spent the past 25+ years concerned with accumulation, now just beginning to plan for decumulati...
by Barefootgirl
Sat Sep 27, 2014 4:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Package With Details
Replies: 29
Views: 2047

Re: Lump Sum Package With Details

cherijoh- I think it boils down to whether you are willing to trade increased longevity and market risk for the reduced inflation risk. If we're talking about the same thing here, then yes, this is what I was mulling over last night after dinner, with my Friday cocktail. market risk = investing the ...
by Barefootgirl
Sat Sep 27, 2014 4:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Package With Details
Replies: 29
Views: 2047

Re: Lump Sum Package With Details

Maybe it should or shouldn't go without saying, but since I am eligible beginning at 55, I don't have to wait until 65 to begin receiving payments. Of course, for each year after 55, it will be higher than $533, but lower than $1515...somewhere in between. I don't have the reduction calculator info ...
by Barefootgirl
Fri Sep 26, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Package With Details
Replies: 29
Views: 2047

Re: Lump Sum Offer

Emphasize the "if appropriate". It could detract from the value if it puts you in a higher tax bracket than you would be when you withdraw from it.

I expect to be in a lower tax bracket when I retire, which would be the withdrawl period.

BFG
by Barefootgirl
Fri Sep 26, 2014 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer
Replies: 25
Views: 3387

Re: Lump Sum Package With Details

Yes, there is a third option. I can do nothing, stay with the existing plan and either receive $533/month starting next year
OR receive $1,515.00/month at age 65.

The pension is PBGC guaranteed.

BFG

ps - maybe furwut, you are older than me, so you don't have as long to wait for 65 to arrive?
by Barefootgirl
Fri Sep 26, 2014 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Package With Details
Replies: 29
Views: 2047

Lump Sum Package With Details

The lump sum offer is $121,400 or $533/month for life, starting in 45 days. I am 54 years old. Under the existing terms, I am not eligible to begin receiving payments until 11 months from now and payments would still be $533/month, so out of the box, from the monthly payment perspective, this new of...
by Barefootgirl
Fri Sep 26, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Package With Details
Replies: 29
Views: 2047

Re: Lump Sum Offer

Hi cherijoh,

I was about to say the same thing - I thought maybe my perception was skewed - but suddenly it seems like lump sum buy out offers are all the rage this fall.

I just got my package today - going to start a new thread.

Thanks, BFG
by Barefootgirl
Fri Sep 26, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer
Replies: 25
Views: 3387

Re: Employer finding out you have a financial cushion?

My employers over the years may have invested in me, but likewise I invested in my career and skill set - so I always preferred to look at my employment as a mutually beneficial and convenient relationship - when it became no longer beneficial or convenient for one party, that party would let go of ...
by Barefootgirl
Thu Sep 25, 2014 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employer finding out you have a financial cushion?
Replies: 72
Views: 8562

Re: Treadmills

Good to hear about the Proform Line. I may soon drop some money on the Proform Thinline model.

Thanks, BFG
by Barefootgirl
Thu Sep 25, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Treadmills [vs. Ellipticals]
Replies: 55
Views: 4033

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 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10411

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 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Do you participate in the "Sharing Economy"?
Replies: 1
Views: 283

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 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer
Replies: 25
Views: 3387

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 12:27 pm
 
Forum: Personal Consumer Issues
Topic: The boglehead way to buy furniture
Replies: 56
Views: 5418

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 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Key to happiness in retirement
Replies: 36
Views: 3793

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 8:30 pm
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6655

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 7:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer
Replies: 25
Views: 3387

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 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer
Replies: 25
Views: 3387

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 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer
Replies: 25
Views: 3387

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 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer
Replies: 25
Views: 3387

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 3:28 pm
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 60
Views: 4382

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 12:12 pm
 
Forum: Personal Consumer Issues
Topic: terminology in legal contracts
Replies: 10
Views: 981
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