Search found 1327 matches

by Barefootgirl
Fri Jul 31, 2015 8:32 am
Forum: Personal Consumer Issues
Topic: Amazon reviews
Replies: 22
Views: 2067

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: 6778

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: 132
Views: 10028

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: 132
Views: 10028

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: 18
Views: 1281

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: 18
Views: 1281

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: 6778

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: 6778

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: 18801

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: 1645

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: 18801

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: 18801

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: 18801

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: 18801

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: 18801

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: 18801

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: 18801

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: 18801

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: 2601

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: 18801

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: 1444

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: 443

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: 18801

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: 1444

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: 1444

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: 3016

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...
by Barefootgirl
Fri Jul 17, 2015 12:14 pm
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 18801

Re: What 2008/09 has done to me

Over and over again in my life, I see how fortuitous it was for me to born into a farming family. Incomes in farming are held nearly 100% hostage by the whims of nature. When you face a summer without rain and your crops fail, it's not personal - you and your neighbors are in it together, no one loo...
by Barefootgirl
Thu Jul 16, 2015 7:11 pm
Forum: Personal Consumer Issues
Topic: Needing an External Drive
Replies: 24
Views: 1444

Re: Needing an External Drive

format it as FAT32

Thanks for your comment...this part I don't get, can you explain a bit further? is this a complex process?

thanks again.
by Barefootgirl
Thu Jul 16, 2015 6:14 pm
Forum: Personal Consumer Issues
Topic: Needing an External Drive
Replies: 24
Views: 1444

Re: Needing an External Drive

Thank you. Actually, the Apple rep described the external drive as a bridge from my Dell to the Mac to get the iTunes library eventually migrated with fewer potential problems. Obviously, it would have been easier to download the iTunes migration software, but since we don't want to use the Internet...
by Barefootgirl
Thu Jul 16, 2015 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's new Personal Advisor Services
Replies: 56
Views: 8869

Re: Vanguard's new Personal Advisor Services

I was thinking of a pub such as the WSJ. I have the same question as posted above: I am wondering how Vanguard can manage, for example, rebalancing in tax deferred accounts when those accounts are 401k's. They can't actually have access to make investment changes in a 401K or for investments general...
by Barefootgirl
Thu Jul 16, 2015 5:57 pm
Forum: Personal Consumer Issues
Topic: Needing an External Drive
Replies: 24
Views: 1444

Re: Needing an External Drive

Thank you all for the comments and suggestions.

For my purposes, I just need a simple external drive, far less even than 1 TB. I am really trying to determine whether I should get 1 or 2, depending on the fact that my computers are 2 different brands.

Thank you again.
by Barefootgirl
Thu Jul 16, 2015 4:22 pm
Forum: Personal Consumer Issues
Topic: Gift Card Exchange Web Sites
Replies: 15
Views: 1211

Re: Gift Card Exchange Web Sites

Giftcardrescue.com seems well laid out and you can find out if the card is physical or digital and whether it has to be used in a store or can be used online.

I could not find this info for Cardpool and considering that I do most of my ordering online...
by Barefootgirl
Thu Jul 16, 2015 3:37 pm
Forum: Personal Consumer Issues
Topic: Needing an External Drive
Replies: 24
Views: 1444

Re: Needing an External Drive

Was at the Apple Genius bar yesterday. I want to move my old iTunes library from my Dell to my Mac. Since the Dell is seriously infected with a virus, they recommend offloading the iTunes library to an external drive before migrating it to the Mac. At the same time, my Mac has a separate issue they ...
by Barefootgirl
Thu Jul 16, 2015 2:15 pm
Forum: Personal Consumer Issues
Topic: Needing an External Drive
Replies: 24
Views: 1444

Needing an External Drive

I need to offload some data from a PC and from a Mac.

I don't think I need a particular type or brand of external drive, do I? Any brand will host data from both - either PCs or Macs?

Thanks
by Barefootgirl
Thu Jul 16, 2015 6:50 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 89
Views: 7545

Re: Are you going to shop on Prime Day?

A friend posted this on Twitter about the "sale" yesterday:

When I die I want whoever's responsible for #AmazonPrimeDay to lower me into my grave so they can let me down one last time."
by Barefootgirl
Wed Jul 15, 2015 4:09 pm
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 89
Views: 7545

Re: Are you going to shop on Prime Day?

Appeared to be overstocks, excess inventory, etc. - not impressed either. My bet is that they won't do this again anytime soon, lol
by Barefootgirl
Tue Jul 14, 2015 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's new Personal Advisor Services
Replies: 56
Views: 8869

Re: Vanguard's new Personal Advisor Services

Does anyone know if any of the mainstream finance publications have reviewed this? looking for outside opinions of the service.

Thanks
by Barefootgirl
Tue Jul 14, 2015 5:57 pm
Forum: Personal Consumer Issues
Topic: Music player while exercising
Replies: 32
Views: 1784

Music player while exercising

Have you found any mp3 players with good sound that are not cumbersome while exercising? (side note: I would not use this near vehicle traffic.)

I'm a huge fan of both music and hiking, so I'm seeking an upgrade. All suggestions appreciated.

BFG
by Barefootgirl
Tue Jul 14, 2015 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Pet Sitting Business - on the side
Replies: 4
Views: 908

Re: Pet Sitting Business - on the side

Thank you for the link..interesting. I am trying to figure out how to advise her on any liability issues.

BFG
by Barefootgirl
Mon Jul 13, 2015 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Pet Sitting Business - on the side
Replies: 4
Views: 908

Pet Sitting Business - on the side

My daughter will soon be returning to college and she would like to start a small, part-time pet sitting business on the side, primarily just for cats. I do not know how to advise her on what type of liability insurance she should get or whether she needs to be bonded. She is looking at cat care in ...
by Barefootgirl
Mon Jul 13, 2015 8:53 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 194
Views: 17158

Re: OPM breach and credit freeze

I keep trying to come up with analogy. It's almost like I live and own a unit in one of those buildings in NYC that require me to provide a key to the building superintendent and while I'm on vacation, he goes into my unit and then leaves the door open when he leaves. Meanwhile, criminals raid my pl...
by Barefootgirl
Sat Jul 11, 2015 7:01 pm
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 18801

Re: What 2008/09 has done to me

I've been employed in my career without a break in service for 30+ years and I'm hurling towards burnout. 30 years of steady paychecks are nice, but I am not sure the key to a good life is never getting laid off. Job layoffs can provide a tremendous catalyst for positive change. Don't let your life ...
by Barefootgirl
Sat Jul 11, 2015 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: buying ski condo to use in summer
Replies: 26
Views: 2524

Re: buying ski condo to use in summer

I've thought about this. There are slopeside condos at ski resorts in the Catskill mountains of NY - only a few hours drive from NYC, that are heavily populated by NYC residents on the weekends in winter. The irony is that these are located in economically depressed areas where local real estate sel...
by Barefootgirl
Sat Jul 11, 2015 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: A Career in Golf?
Replies: 22
Views: 2450

Re: A Career in Golf?

From the sounds of it, perhaps I should mention a career selling Callaway or similar....

thank you for the website mention, I've sent it to him.
by Barefootgirl
Fri Jul 10, 2015 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: A Career in Golf?
Replies: 22
Views: 2450

A Career in Golf?

I have a dear 24 year old nephew who just got his Class A PGA membership. He competes, he teaches, he coaches, he manages courses. He is known locally as a gentleman golfer with superb course etiquette. He's come to me for career advice. I don't know how to advise him in matters relating to a career...
by Barefootgirl
Fri Jul 10, 2015 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing to go with a Robo-Advisor and If so, which one?
Replies: 57
Views: 3889

Re: Choosing to go with a Robo-Advisor and If so, which one?

My portfolio is low 7 figures. I just saw the Kiplinger article. They advocate for Vanguard Personal for those in their waning years of paid employment.

BFG
by Barefootgirl
Fri Jul 10, 2015 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Commuting vs. weekday widowing
Replies: 27
Views: 2473

Re: Commuting vs. weekday widowing

If you end up going with the cheap apartment option - here is a tip from where I live (major metro area). The situation you describe is not uncommon here. I often see ads placed by homeowners wanting some extra income, but not wanting too much invasion of their privacy - so they will convert their b...
by Barefootgirl
Fri Jul 10, 2015 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee/HSA issue
Replies: 1
Views: 174

Federal Employee/HSA issue

My HSA account is held with HSA Bank. Unlike the TSP, there doesn't appear to be any stopgap in place for contributions to be "rejected" or "not accepted" by HSA Bank once you've reached your annual threshhold. Last year, due to my own negligence, I ended up with an excess contri...
by Barefootgirl
Fri Jul 10, 2015 11:12 am
Forum: Personal Consumer Issues
Topic: Migrating iTunes Library?
Replies: 3
Views: 499

Re: Migrating iTunes Library?

Thank you shane...will get cracking.
by Barefootgirl
Thu Jul 09, 2015 9:58 pm
Forum: Personal Consumer Issues
Topic: Migrating iTunes Library?
Replies: 3
Views: 499

Migrating iTunes Library?

My iTunes library sits on a PC hard drive. I now use a Mac notebook and would like to migrate the library. I found instructions online, could be user ineptitude, but didn't work well.

If anyone has done this and has tips to share, that would be much appreciated.

BFG

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