Search found 1351 matches

by Barefootgirl
Fri Aug 28, 2015 1:23 pm
Forum: Investing - Theory, News & General
Topic: Dogs of the Dow? - woof woof
Replies: 7
Views: 1005

Dogs of the Dow? - woof woof

I had no idea this was still around and there's yet another incarnation - Small Dogs of the Dow. http://www.dogsofthedow.com/dogyrs.htm it doesn't follow Boglehead theory, but does anybody you know still play with it? after awhile, I thought it fell victim to its own...you know, popularity at the ti...
by Barefootgirl
Fri Aug 28, 2015 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Sigh, what's the point of knowing investing theory?
Replies: 20
Views: 1447

Re: Sigh, what's the point of knowing investing theory?

Getting the ball rolling is impossibly difficult, and I don't know how anybody here did it. Just as you describe - but maybe even more a struggle for some of us - by scraping by in the early years, no family support and I was a solo act (single) and I had school loans and omg - a liberal arts degre...
by Barefootgirl
Mon Aug 24, 2015 8:25 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Doesn't Seem Like a Great Idea
Replies: 57
Views: 7608

Re: Tax Loss Harvesting Doesn't Seem Like a Great Idea

In a taxable account with mutual funds, where dividends are reinvested - is there a look back period? In other words, I realize I cannot re-purchase until after 31 days, but if I want to sell some shares with a loss, but dividends were recently reinvested, I need to identify which shares? maybe I ne...
by Barefootgirl
Sat Aug 22, 2015 2:26 pm
Forum: Investing - Theory, News & General
Topic: How long will you"Stay the Course"?
Replies: 99
Views: 7731

Re: How long will you"Stay the Course"?

As opposed to what? selling low?

How about we all toss a dollar into the pot for every time we've heard someone say that market investing is the longtimer's game.

BFG
by Barefootgirl
Thu Aug 20, 2015 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Plans and Domicile
Replies: 9
Views: 800

Re: Estate Plans and Domicile

Thank you Matahari...since I don't feel as if I have an actual domicile and won't for a while, it's confusing to me.

BFG
by Barefootgirl
Thu Aug 20, 2015 6:10 am
Forum: Personal Consumer Issues
Topic: Non-Retirees: Scared about retirement?
Replies: 45
Views: 4530

Re: Non-Retirees: Scared about retirement?

It's human nature, but I've always considered worries and fears to be a form of interest one pays on a debt that may never come.

I try to live my life with optimism and manage my expectations.

BFG
by Barefootgirl
Wed Aug 19, 2015 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Plans and Domicile
Replies: 9
Views: 800

Estate Plans and Domicile

A whole slew of cohorts/former classmates and friends have passed this year, people in their 40s & 50s, some unexpectedly. I am feeling an urgency to put my estate plans in place. I guess I've been dragging my feet since there is a high probability I will be moving to another state within a coup...
by Barefootgirl
Wed Aug 19, 2015 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Bank closed all my accounts without explanation
Replies: 66
Views: 5425

Re: Bank closed all my accounts without explaination

What was the purpose of this thread again? To highlight the increased scrutiny of governmental agencies and the superior position of banks relative to the consumer. Perhaps it's time to investigate alternatives to traditional banks - they seem to sprouting everywhere now. Curious if they must follo...
by Barefootgirl
Mon Aug 10, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Question
Replies: 18
Views: 2390

Re: Credit Card Question

I'd suggest the Beginners Forum on www.saverocity.com before Flyertalk - more straightforward, not so much jargon nor misinformation to wade through.

BFG
by Barefootgirl
Mon Aug 10, 2015 9:33 am
Forum: Investing - Theory, News & General
Topic: Is I-Bonds the best Fixed Income Instrument (assuming no limits on purchases)?
Replies: 22
Views: 2389

Re: Is I-Bonds the best Fixed Income Instrument (assuming no limits on purchases)?

I have my fixed income allocation divided in 3 ways: I-Bonds, CDs and the TSP G Fund (available to federal employees)

I think each have a place for now (not yet retired)
by Barefootgirl
Mon Aug 10, 2015 8:04 am
Forum: Personal Consumer Issues
Topic: Verizon Contract Issue - Consumer Awareness
Replies: 13
Views: 1471

Re: Verizon Contract Issue - Consumer Awareness

Actually, the lesson here is to review your bills carefully (as I did). I'm not sure what happens when you try to order anything but wireless in a Verizon store, but if you place your order over the phone like I did, there is no copy of a contract - you don't know unless they do an oral recording (w...
by Barefootgirl
Mon Aug 10, 2015 6:51 am
Forum: Personal Consumer Issues
Topic: Verizon Contract Issue - Consumer Awareness
Replies: 13
Views: 1471

Re: Verizon Contract Issue - Consumer Awareness

So, we just pay the bill when it arrives and figure that's the way it is Yes of course, this is the bet that Verizon makes - that your consumer position relative to their market position, is worthless. The attorney general's office functions as nothing more than an interface between the two parties...
by Barefootgirl
Sun Aug 09, 2015 4:11 pm
Forum: Personal Consumer Issues
Topic: Verizon Contract Issue - Consumer Awareness
Replies: 13
Views: 1471

Verizon Contract Issue - Consumer Awareness

A couple months ago, I ordered a Verizon bundle - landline, TV and internet. I was firm in my position that it be a month to month arrangement and not a contract because frankly, I don't know how long I will be living in my current home. I noticed when the bills started coming that under the prices ...
by Barefootgirl
Fri Aug 07, 2015 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: I thought it was a simple pension question (federal benefits)
Replies: 7
Views: 1054

Re: I thought it was a simple pension question (federal benefits)

I am not sure what "estimated pension to date" would even mean

It means if I walk out the door forever today, how much will my monthly pension check be (gross) beginning on the date that I am eligible to begin receiving it.

Does that make sense?

PS/thanks Time Runner
by Barefootgirl
Fri Aug 07, 2015 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Take the money and run? Buyout offer
Replies: 27
Views: 3495

Re: Take the money and run? Buyout offer

Others here have given you excellent practical advice, as the Bogleheads are usually wont to do.

I just wanted to mention that I am touched by your reference to Sartre. Rare to find such in the online world.

Wishing you the best with your decision, BFG
by Barefootgirl
Fri Aug 07, 2015 3:00 am
Forum: Personal Finance (Not Investing)
Topic: Brokerages & Rewards
Replies: 2
Views: 337

Brokerages & Rewards

I've recently read about a program at Fidelity where Fidelity credit card rewards can be invested directly into ETFs.

Does anyone know of similar rewards programs at other brokerage houses? or programs where deposits & spending earn rewards? I'm feeling liquid all of a sudden lol.

thanks
by Barefootgirl
Fri Aug 07, 2015 2:26 am
Forum: Personal Consumer Issues
Topic: Aloha Shirt: Yes or No
Replies: 78
Views: 5383

Re: Aloha Shirt: Yes or No

Since you asked...ugh, reminds me of Office Space and being a "company guy" LOL

go against the herd - wear something that is you...um, unless that is you :)
by Barefootgirl
Wed Aug 05, 2015 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: I thought it was a simple pension question (federal benefits)
Replies: 7
Views: 1054

Re: I thought it was a simple pension question (federal benefits)

Thank you. I was not aware of fedcalc and apparently my agency benefits people aren't either ;)

I will look at it, thanks again.
by Barefootgirl
Wed Aug 05, 2015 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: I thought it was a simple pension question (federal benefits)
Replies: 7
Views: 1054

I thought it was a simple pension question (federal benefits)

I'm a federal employee. I have my own estimate of my accrued pension benefit, but wanted to bounce it off what the government has calculated, so I contacted our benefits person to see if our agency has an online benefits calculator - and learned that we don't. She passed me onto somebody who passed ...
by Barefootgirl
Wed Aug 05, 2015 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Have you ever encountered hostility because people think you're "rich"?
Replies: 71
Views: 5439

Re: Have you ever encountered hostility because people think you're "rich"?

I'm in all day meeting today, surrounded by the well educated (most are PhDs) and seemingly well compensated. Our lunchtime conversation turned to investing. Only 2 of the 24 of us knew the name John Bogle or the Boglehead philosophy (primarily the issue of the futility of market timing). The others...
by Barefootgirl
Tue Aug 04, 2015 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 208
Views: 14421

Re: Credit Card Rewards (Travel)

I could be wrong, but I thought the current Office Depot/Max discount was on MasterCard GCs....are those loaded anywhere the VGCs are loaded? It's kind of funny every time someone declares this hobby dead - it all depends on your timeframe. It's good to thin the herds every once in awhile. I knew th...
by Barefootgirl
Mon Aug 03, 2015 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 208
Views: 14421

Re: Credit Card Rewards (Travel)

For many guys running travel/credit card blogs it's their only source of income, and they should be able to make living off it for the effort they put in and the value they provide. While they are motivated by the revenue from approved cards (listed in the link you provided), they also must maintai...
by Barefootgirl
Mon Aug 03, 2015 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 208
Views: 14421

Re: Credit Card Rewards (Travel)

Victoria, Doctor of Credit has an excellent article that he recently posted where he reviews the various "point & mile" blogs and websites and gives his recommendations as to the best and what they specialize in. I stopped reading Million Mile Secrets - many of the articles were not up...
by Barefootgirl
Mon Aug 03, 2015 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 208
Views: 14421

Re: Credit Card Rewards (Travel)

There is gift card reselling, Amex offers, etc. Merchandise reselling can be a way to MS and make a nice profit as well. Granted that I don't know much about reselling, but the first thing that comes to mind is getting stuck with unsold items. I've only ever resold event tickets using StubHub and a...
by Barefootgirl
Fri Jul 31, 2015 8:32 am
Forum: Personal Consumer Issues
Topic: Amazon reviews
Replies: 22
Views: 2242

Amazon reviews

I've read of and heard interesting stories from people who left negative product reviews on Amazon - either the seller offered them an "incentive" to revise their review to a positive one or re-negged on their refund policy after someone left a negative review. Has this happened to you whe...
by Barefootgirl
Thu Jul 30, 2015 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 6908

Re: Divorce

What I have never understood is why people lose (or give away) assets that rightfully belong to them in a divorce This reminds me of the old expression: "Why is divorce so expensive? because sometimes it's just worth it". A co-worker mentioned the other day that she will not be out of deb...
by Barefootgirl
Thu Jul 30, 2015 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 208
Views: 14421

Re: Credit Card Rewards (Travel)

Drew (or anyone) -

Do you have a preferred source to find new card offers? maybe an unbiased source? (am I dreaming?) :)
by Barefootgirl
Wed Jul 29, 2015 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 208
Views: 14421

Re: Credit Card Rewards (Travel)

I haven't found The Points Guy to be that useful. IMO, the best resource for finding the best credit deals is the list kept by the Frequent Miler here. http://frequentmiler.boardingarea.com/b ... up-offers/ Thank you for this link. Knowing that the bloggers who provide such lists are compromised by...
by Barefootgirl
Tue Jul 28, 2015 7:05 pm
Forum: Personal Consumer Issues
Topic: MacBook Air losing power
Replies: 26
Views: 2162

Re: MacBook Air losing power

I do all the things you are supposed to do to maintain battery life. I am curious about why allowing it to run out of power and remain shut down while you are on vacation is any different than leaving home for a few hours and coming back to find that it had powered down...(?) running out of power is...
by Barefootgirl
Tue Jul 28, 2015 4:48 pm
Forum: Personal Consumer Issues
Topic: MacBook Air losing power
Replies: 26
Views: 2162

MacBook Air losing power

Sometime this summer, I noticed my MacBook Air was losing battery power more quickly as time went on. I took it to the Apple store, they ran some diagnostics and decided they needed to take a deeper dive, so the laptop has been sent off to the Apple hospital for further testing and hopefully, a solu...
by Barefootgirl
Tue Jul 28, 2015 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 6908

Re: Divorce

I'm just not sure what a lawyer would "finish up" if the divorcing couple already worked it out between themselves. It's often wise to have any agreements hashed out informally between parties, reviewed as to legal form, at a minimum. What a pain it would be to later have to revisit it.
by Barefootgirl
Tue Jul 28, 2015 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 6908

Re: Divorce

Marriage starts out being about love, but ends up being about money, so the comment above about viewing it as a business arrangement is wise. In theory , by the time a divorce is initiated, the parties have gotten over the emotional hurdles and can focus on disentangling the assets. You've gotten ex...
by Barefootgirl
Thu Jul 23, 2015 2:28 pm
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 19146

Re: What 2008/09 has done to me

I think layoffs become especially traumatic because many employers (at least in the past) have made such an effort to stress a culture of teamwork, where one is supposed to "take one for the team" and work overtime in times of need or miss family events to attend an important customer meet...
by Barefootgirl
Thu Jul 23, 2015 12:42 pm
Forum: Investing - Theory, News & General
Topic: Gambling with Commodities
Replies: 15
Views: 1696

Gambling with Commodities

I am thinking of getting into a very small time sideline hobby gambling in commodities with my "can afford to lose 100%" pot of money. I know only a little about commodies, what I've gleaned from friends and from watching "Trading Places " :) Options Express has some beginner edu...
by Barefootgirl
Wed Jul 22, 2015 8:43 am
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 19146

Re: What 2008/09 has done to me



American executives did a lot worse, relative, in 1960 to now. And marginal tax rates were far far higher.


I haven't read up on this in a while, but aren't most executive compensation packages designed to emphasize equity based compensation over earned income?

BFG
by Barefootgirl
Tue Jul 21, 2015 2:49 pm
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 19146

Re: What 2008/09 has done to me

Hi Valuethinker,

I do believe that executives are doing far better now. I was referring to American economic conditions in the 60s versus now. Maybe a weak analogy, but a widening gap in the ranks.
by Barefootgirl
Tue Jul 21, 2015 2:39 pm
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 19146

Re: What 2008/09 has done to me

IlinDave, Your comment is an interesting one - Too much profit and earnings was as bad as too little. Very surreal. In the end it all traced back to what investors wanted, which was predictable short-term increase in share price. I've not heard of investors demanding a lesser amount of profit or ear...
by Barefootgirl
Mon Jul 20, 2015 6:47 pm
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 19146

Re: What 2008/09 has done to me

The global marketplace has placed new pressures on American businesses. I don't think anyone would argue with that. However, the challenges and pain of that new marketplace appear to be borne out entirely by American workers, not American executives. They're dancing, singing and skipping all the way...
by Barefootgirl
Mon Jul 20, 2015 2:33 pm
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 19146

Re: What 2008/09 has done to me

Steve, all I can say is that the organizations or situations you refer to appear to be unique. I have many years of experience in the technology sector (Fortune 100) with many friends who have the same 20-30 years of experience in other sectors: pharmaceuticals, insurance, large law firms, IT and wi...
by Barefootgirl
Mon Jul 20, 2015 2:03 pm
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 19146

Re: What 2008/09 has done to me

My advice to you Meaty is to not be afraid, but rather to allow the reality to frame your reference and your behavior as you move through your working years. No matter what is said, trust your gut first, unless you work under a contract - and most who are employees don't. Your best friend in world o...
by Barefootgirl
Mon Jul 20, 2015 10:33 am
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 19146

Re: What 2008/09 has done to me

I recall when the move toward just-in-time supply inventory and methods were heralded as major boons to business and accordingly, profitability. Seems that we are now seeing these same methods apply to human resources (we were staff and personnel before we become resources, lol) and I am curious as ...
by Barefootgirl
Mon Jul 20, 2015 10:20 am
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 19146

Re: What 2008/09 has done to me

Steve,

The companies that you are referring to - are they members of the Fortune 100? What sector do they belong to?

Thanks, BFG
by Barefootgirl
Sun Jul 19, 2015 6:37 pm
Forum: Personal Consumer Issues
Topic: Roomba - would you buy it again?
Replies: 30
Views: 2697

Roomba - would you buy it again?

Looks like the last Roomba thread was about a year ago and I know these devices change over time....I am considering purchasing one.

Do you like yours? (which model) - would you buy it again?

Thanks, BFG
by Barefootgirl
Sun Jul 19, 2015 8:08 am
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 19146

Re: What 2008/09 has done to me

Just a quick note on this for now. During my career with Mega Corp, I saw it as a two way transaction - my skills and time for their compensation. It was reflected in my attitude and how I performed my job. Many never understood why I didn't grovel more or show more gratitude for their keeping me on...
by Barefootgirl
Sat Jul 18, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: Needing an External Drive
Replies: 24
Views: 1520

Re: Needing an External Drive

After thinking on this, I returned the WD for Mac and purchased the standard WD. Using the drive, I was able to easily move the data off the Mac. I then plugged that drive into the PC and no way it would recognize the drive, no matter what I did. I went back to the store and got another standard WD ...
by Barefootgirl
Sat Jul 18, 2015 8:20 am
Forum: Personal Finance (Not Investing)
Topic: HSA Arrangements
Replies: 2
Views: 460

HSA Arrangements

I'm a federal employee with an HSA account linked to Ameritrade for investment purposes. It is the first and only HSA I've ever had, but I am curious about something - why is the bank the middle man for these contributions? Why not establish the HSA directly with a brokerage? There is a time lag, al...
by Barefootgirl
Sat Jul 18, 2015 8:13 am
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 19146

Re: What 2008/09 has done to me


I like 2015's post above. It hits home.


I'm surprised that these huge shifts from the past 30 or so years are not more often discussed or noted.
by Barefootgirl
Fri Jul 17, 2015 3:08 pm
Forum: Personal Consumer Issues
Topic: Needing an External Drive
Replies: 24
Views: 1520

Re: Needing an External Drive

yes, i do backups.
by Barefootgirl
Fri Jul 17, 2015 2:06 pm
Forum: Personal Consumer Issues
Topic: Needing an External Drive
Replies: 24
Views: 1520

Re: Needing an External Drive

Thanks, I stopped at the store and found some not expensive WD drives, less than $60 - they make a standard drive and the same standard drive for Mac. I picked up the drive for Mac to avoid having to reformat, since some data will be coming from the Mac and the PC data will eventually be headed ther...
by Barefootgirl
Fri Jul 17, 2015 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score Question - Credit Cards
Replies: 37
Views: 3345

Re: Credit Score Question - Credit Cards

I'm trying to figure how the utilization rate factors in with the Wells Fargo card where there is a substantive incentive to paying the card off to clear your credit line. I keep seeing warnings against against paying in advance, in order to avoid a large credit balance on the card, but yet if you w...

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