Search found 1273 matches

by Barefootgirl
Thu Jul 02, 2015 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 106
Views: 4630

Re: Obsessing towards zero balance on credit card.

If you have a card with a time limited promotion, for cash back for example, it could be worthwhile to pay balances immediately to free up the credit line for additional purchases.

In these days of no interest payments, there is little to no other gaming to be done that I can see.
by Barefootgirl
Thu Jul 02, 2015 7:17 am
Forum: Personal Consumer Issues
Topic: MacBook Air - power issues
Replies: 11
Views: 748

Re: MacBook Air - power issues

Yes, have Apple Care. yes, purchased with credit card, although at the moment, don't recall which one.

Oddly, I just ran some needed updates and now the cord ends are cool....realize that's strange, but oh well.
by Barefootgirl
Thu Jul 02, 2015 4:53 am
Forum: Personal Consumer Issues
Topic: MacBook Air - power issues
Replies: 11
Views: 748

MacBook Air - power issues

I am noticing recently that my MacBook is not holding a charge nearly as long and when I plug in the charging cord, both ends feel hot to the touch. Do I assume correctly that this means the battery is dying? The machine will be 2 years old next month, if that matters. Unlike my non-Apple laptops, t...
by Barefootgirl
Thu Jul 02, 2015 2:55 am
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 5892

Re: What credit should you get? (Ask me anything)

Thanks for the feedback, much appreciated.

In my career field, we have an online service known as "Ask The Professor".

Reminded me of that...lol

Thanks again.
by Barefootgirl
Wed Jul 01, 2015 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Snow Bird Question [State Residency Requirements]
Replies: 54
Views: 4571

Re: Snow Bird Question [State Residency Requirements]


Does mailing address trump everything else?


I was beginning to think that as well, but now it seems as if real property and/or business ownership trumps all.
by Barefootgirl
Wed Jul 01, 2015 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 5892

Re: What credit should you get? (Ask me anything)

Thanks for this thread. With the understanding that nothing is guaranteed, which points program /associated credit card appears to be the most stable, least likely to devalue in the future? I am planning near and long term trips and devaluation is the downside to long term trip planning. My biggest ...
by Barefootgirl
Sun Jun 28, 2015 6:50 am
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 153
Views: 12538

Re: LastPass.com Breach

I tested out LastPass and found it didn't seem to want to marry up to my Mac very well.

I deinstalled and went to Dashlane and they work well together....so I can vouch for Dashlane, so far so good.

BFG
by Barefootgirl
Sat Jun 27, 2015 2:18 pm
Forum: Personal Consumer Issues
Topic: Home cleaning services
Replies: 30
Views: 2979

Re: Home cleaning services

I live in a HCOL area and there is an incredible amount of competition here for house cleaning and nail services since those markets are flooded with immigrant/expat workers. Due to this, their prices are incredibly low and I end up giving big tips just because I know what it costs to live here. Rat...
by Barefootgirl
Sat Jun 27, 2015 1:43 pm
Forum: Personal Consumer Issues
Topic: Three devices = redundancy
Replies: 34
Views: 3560

Three devices = redundancy

I own a MacBook, an iPad and Galaxy smartphone. I've found this is redundant for my needs. I literally use the smartphone only for talk and text. That's all I need a phone for. When I'm in a mobile situation and want to do some banking or check email, I pull out the tablet. It just works for me due ...
by Barefootgirl
Sat Jun 27, 2015 1:03 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 161
Views: 12848

Re: OPM breach and credit freeze

Thank you to Victoria for updating the advice list as posters weigh in.


BFG
by Barefootgirl
Sat Jun 27, 2015 12:54 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 161
Views: 12848

Re: OPM breach and credit freeze




This will create a really good outcome: the profits of incompetent corporations will disappear, or they will start really beefing up their security.


I believe it's different here as the law does not allow us the same recourse in cases of federal government negligence.

BFG
by Barefootgirl
Sat Jun 27, 2015 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Landlording Tips
Replies: 33
Views: 4604

Re: Landlording Tips

I cannot provide a link since I already stated in my previous post that it was local and I'd prefer not to state the name of my town.

That said, you can search for these cases, they appear in the media - for any details.
by Barefootgirl
Sat Jun 27, 2015 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account Custodian
Replies: 8
Views: 834

Re: Health Savings Account Custodian

A search of the forum will easily bring up the details
by Barefootgirl
Fri Jun 26, 2015 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account Custodian
Replies: 8
Views: 834

Re: Health Savings Account Custodian

You may want to do a board search on some of the more common HSA custodians.

My experience with HSA Bank has not been positive, I cannot recommend them.

BFG
by Barefootgirl
Fri Jun 26, 2015 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Homemaker denied credit card despite high household income
Replies: 40
Views: 4530

Re: Homemaker denied credit card despite high household income

It would be interesting to see if a married, same sex couple, under the same household income situation, would face the same result.
by Barefootgirl
Thu Jun 25, 2015 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Landlording Tips
Replies: 33
Views: 4604

Re: Landlording Tips

There have been cases in this area where landlords have held open houses, taken multiple applications and deposits, chosen a tenant, then kept all deposits - even from people they did not seriously consider.

It was in the paper, was a public spectacle.

BFG
by Barefootgirl
Thu Jun 25, 2015 11:20 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 161
Views: 12848

Re: OPM breach and credit freeze

Rather than frequently changing passwords, would you instead recommend a password manager like LastPass ? I used to check credit reports a couple times/year. Seems like it needs to be done much more frequently now. I wonder if there will be more pressure now to allow people to view them at will, at ...
by Barefootgirl
Thu Jun 25, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 161
Views: 12848

Re: OPM breach and credit freeze

I acknowledge and agree that the potential for harm and damage is frightening, but knowing this, what can we do? Are we helpless potential victims?

BFG
by Barefootgirl
Thu Jun 25, 2015 7:59 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 161
Views: 12848

Re: OPM breach and credit freeze

Looking a little further into this, it seems this is not news. Appears the hackers have had this data for some time. The difference now is the offer for credit monitoring. Something tells me that an entity launching a cyber war may have other things in mind, i.e. taking out a Visa card in my name ma...
by Barefootgirl
Wed Jun 24, 2015 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Class action lawsuits as a stock holder
Replies: 6
Views: 649

Class action lawsuits as a stock holder

Do you receive these notices? They typically ask you to provide details of how many shares you held or sold as a of a certain date or between dates or perhaps other ownership details. I have always tossed them, perhaps foolishly. I just received one for a stock in which I held quite a few shares dur...
by Barefootgirl
Wed Jun 24, 2015 9:05 am
Forum: Personal Finance (Not Investing)
Topic: New CapOne 360 savings offer
Replies: 9
Views: 1596

Re: New CapOne 360 savings offer

Throwing in my 2 cents :

The value of this offer is reduced by the tax due on this as an interest payment.

When playing bank promotions, the cash back and rebate deals are non-taxable.
by Barefootgirl
Wed Jun 24, 2015 7:51 am
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 146
Views: 19816

Re: When saving money becomes an irrational obsession

Remembering your priority for your given stage will help you make the transition to spending your money. I've been in this mode for many months. It began slowly. I began by spending a little more on the things that bring me extra enjoyment, but then realized that beyond a certain point, the things ...
by Barefootgirl
Wed Jun 24, 2015 7:22 am
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 217
Views: 19457

Re: What was the 2008 crash like in real time?

After the 2008 crash, I began rebalancing into index equity funds with a proper asset allocation, and it has paid off. That was just dumb luck.


Sounds like advice from the BH Wiki.

Dumb Luck ? title of next Bogleheads investing book? probably not :)
by Barefootgirl
Wed Jun 24, 2015 7:13 am
Forum: Personal Consumer Issues
Topic: 4th of July in Washington, DC
Replies: 12
Views: 1158

Re: 4th of July in Washington, DC

I'll be at National Harbor that weekend. I hope we can get a decent viewing from there or close by.

BFG
by Barefootgirl
Tue Jun 23, 2015 7:52 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 217
Views: 19457

Re: What was the 2008 crash like in real time?

Jim Cramer was "pounding the table" on his stock market television show claiming the Lehman was a "once in a lifetime buy." A classic. Of course he was right - not often you can put your money into a brand name stock and lose it all in a flash. My ex husband was, at the time, wa...
by Barefootgirl
Tue Jun 23, 2015 1:43 pm
Forum: Personal Consumer Issues
Topic: Your Top 10 Books
Replies: 56
Views: 6851

Re: Your Top 10 Books

I need to compile my list. In the meantime, I can also put in a plug for The Boxcar Children. It was a favorite from my early childhood and from time to time, it still crosses my mind. It's part of the permanent collection I received as an award from my elementary school. I won a contest by reading ...
by Barefootgirl
Tue Jun 23, 2015 1:33 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 217
Views: 19457

Re: What was the 2008 crash like in real time?

For me, it was the opposite. During 1999, I was coming into the office every morning and with my colleages, we gathered around a white board, to calculate the explosive value of our stock options to see when we could exit the company. It was exhilarating. After Y2K, we gathered instead in a daily mo...
by Barefootgirl
Tue Jun 23, 2015 1:06 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 217
Views: 19457

Re: What was the 2008 crash like in real time?

I must be getting old since I found the 2000-2001 crash to be a lot more gut wrenching. I used the lessons learned from that crash to insulate myself somewhat from the impacts of 2008, which meant that being so conservative, I missed the early months of this last bull market..... which always seems ...
by Barefootgirl
Tue Jun 23, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 161
Views: 12848

Re: OPM breach and credit freeze

Yes, there was a red block - enroll now - but I did not click on the link.
by Barefootgirl
Tue Jun 23, 2015 11:03 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 161
Views: 12848

Re: OPM breach and credit freeze

My communication did not contain an embedded link.

It was an emailed letter from OPM with a personalized code for me to enter to sign up for CSID's services. The direction was to use the code to enter separately, with the email address provided.

Mine came from a dot com address.

BFG
by Barefootgirl
Tue Jun 23, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 161
Views: 12848

Re: OPM breach and credit freeze

Is is significant that the email from CSID came from a dot com address versus a dot gov address?

BFG
by Barefootgirl
Mon Jun 22, 2015 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 16657

Re: Is it worth aspiring to get more?

why don't you just admit to yourself that you don't want to retire?

If humans acted rationally, we could answer this one. We come here to have others point out to us, our blind spots. Maybe it's just wearing thin.
No offense since I can sometimes analyze until I paralyze as well.

BFG
by Barefootgirl
Mon Jun 22, 2015 11:25 am
Forum: Personal Finance (Not Investing)
Topic: One-Two Punch for my credit card game
Replies: 62
Views: 7648

Re: One-Two Punch for my credit card game

People seem to forget (or haven't been around long enough to see) that these scenarios run in cycles. First, the build up as banks and retailers rush to acquire new customers and increase revenue streams. Secondly, a pause to assess results and calculate impact to the business model. Then, often a p...
by Barefootgirl
Sun Jun 21, 2015 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 16657

Re: Is it worth aspiring to get more?

This question occupies my mind more than it should. I vacillate between some days wanting to quit, start my own consulting business, triple my current income at least, live in a downtown area of a major city and pay people to do basic life tasks for me . Other days I feel like chucking it all in, bu...
by Barefootgirl
Thu Jun 18, 2015 9:54 am
Forum: Personal Consumer Issues
Topic: Tips/Advice for Negotiating w/ Auto Dealerships
Replies: 18
Views: 2567

Re: Tips/Advice for Negotiating w/ Auto Dealerships

My method is used to purchase new cars.

How would anyone buying a new car know beforehand there is nothing wrong with it? (if your question is referring to a new car?)... I think you are referring to used cars, a different market, different negotiating situation.

BFG
by Barefootgirl
Wed Jun 17, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: Tips/Advice for Negotiating w/ Auto Dealerships
Replies: 18
Views: 2567

Re: Tips/Advice for Negotiating w/ Auto Dealerships

Agree with previous poster. Whenever I am in the market for a new vehicle, I send out a request for quotes and detail all my line items so that I can get an apples to apples response. I usually send to about 10 internet sales managers at dealerships within a certain radius and lucky to get 4 back - ...
by Barefootgirl
Wed Jun 17, 2015 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Establishing residency in Florida
Replies: 19
Views: 2630

Re: Establishing residency in Florida

What about NY residency in a cemetery plot?

I am only half joking.
by Barefootgirl
Tue Jun 16, 2015 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Establishing residency in Florida
Replies: 19
Views: 2630

Re: Establishing residency in Florida

Changes it completely. Florida has neither an estate tax nor an income tax. http://www.stateofflorida.com/taxes.aspx Thus, it has no reason to pursue its domiciliaries/residents if they choose to change their official home. So speaking hypothetically, if one had plans to purchase homes in both loca...
by Barefootgirl
Mon Jun 15, 2015 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Amending 2014 tax return?
Replies: 3
Views: 465

Amending 2014 tax return?

My first time ever needing to amend a return. Is there an IRS pub covering this for guidance?

Thanks
by Barefootgirl
Mon Jun 15, 2015 8:43 pm
Forum: Personal Consumer Issues
Topic: Online shopping account hacked
Replies: 22
Views: 3134

Re: Online shopping account hacked

Several days ago, it was recommended that I get Lastpass (or similar) to protect my passwords. and now this: (Lastpass has been hacked) http://www.pcworld.com/article/2936272/online-password-locker-lastpass-hacked.html So now what should I do to protect my Lastpass account? What's the next tier of s...
by Barefootgirl
Mon Jun 15, 2015 8:34 pm
Forum: Personal Consumer Issues
Topic: The cost of walking el Camino de Santiago
Replies: 72
Views: 7985

Re: The cost of walking el Camino de Santiago

Victoria,

Thank you for sharing the details of your Camino with us.

Can I ask a question, purely out of curiosity?

Was there a specific reason you began your Camino on the Spanish side of the Alps versus French (SJPP?)

Thanks, BFG
by Barefootgirl
Mon Jun 15, 2015 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Establishing residency in Florida
Replies: 19
Views: 2630

Re: Establishing residency in Florida

Is Florida equally aggressive? i.e. - if one first has a home in Florida, then later purchases a summer home in New York?

how does this scenario change the picture? thanks
by Barefootgirl
Mon Jun 15, 2015 10:57 am
Forum: Personal Consumer Issues
Topic: How to remove coffee stain from carpet? [How much to pay landlord?]
Replies: 34
Views: 2466

Re: How to remove coffee stain from carpet?

Shald,

I'd like to recommend you do a small test spot before applying a large amount..

I have Folex and Spot Shot and 40W and they each have their own uses, just depends on the stain
by Barefootgirl
Mon Jun 15, 2015 7:25 am
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 7812

Re: Chromebooks- What is the lure?

That's one of the primary justifications for cloud computing....external storage, right?

I am just not ready to turn over control of my own data.

BFG
by Barefootgirl
Sun Jun 14, 2015 4:32 pm
Forum: Personal Consumer Issues
Topic: Where do you keep your to do list?
Replies: 60
Views: 5015

Re: Where do you keep your to do list?

I keep them in my head. When I start to feel that I'm juggling too much at once, I make notes in a planner that I keep for work & personal.

If it starts to go beyond that, I re-evaluate the current status of my life.

BFG
by Barefootgirl
Sun Jun 14, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: Coffee - just starting out
Replies: 43
Views: 5308

Re: Coffee - just starting out

I suspect if they left out the espresso altogether, most buyers wouldn't notice.

There's no accounting for taste, lol
by Barefootgirl
Sun Jun 14, 2015 11:15 am
Forum: Personal Consumer Issues
Topic: How to remove coffee stain from carpet? [How much to pay landlord?]
Replies: 34
Views: 2466

Re: How to remove coffee stain from carpet?

yes, the 40W is like a 2 day process
by Barefootgirl
Sun Jun 14, 2015 11:14 am
Forum: Personal Consumer Issues
Topic: How to remove coffee stain from carpet? [How much to pay landlord?]
Replies: 34
Views: 2466

Re: How to remove coffee stain from carpet?

Folex doesn't touch coffee - not sure why, maybe tannins?
by Barefootgirl
Sun Jun 14, 2015 7:54 am
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 7812

Re: Chromebooks- What is the lure?

I can see the benefits of cloud computing in an enterprise environment, but I've failed to identify any benefits for an individual, beyond the ability to rent or share data that belongs to someone else.

Maybe I'll be enlightened one day.

BFG
by Barefootgirl
Sun Jun 14, 2015 6:41 am
Forum: Personal Consumer Issues
Topic: Telecommunications Fees & Surcharges
Replies: 3
Views: 580

Re: Telecommunications Fees & Surcharges

yes, Fios - so this is a Verizon elective charge? rates...these telecom companies.

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