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Re: [Eating] Fish

I do not understand the tilapia craze unless it's a burning desire for cheap fish that does not taste like fish and a fish not found in nature?

BFG
by Barefootgirl
Tue Apr 22, 2014 8:04 am
 
Forum: Personal Consumer Issues
Topic: [Eating] Fish
Replies: 113
Views: 7609

Re: Rollover to TSP

Thank you for the tips. I had recalled reading here some time ago that this process, with the IRS, is frequently not as cut and dry as it should be.

BFG
by Barefootgirl
Tue Apr 22, 2014 7:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Rollover to TSP
Replies: 11
Views: 756

Rollover to TSP

Hello, I am rolling over an old 401K plan amount to the federal govt TSP. The brokerage has informed me that while the check is being made out in the name of the TSP plan, it will be mailed to me. It appears I'll then mail it to the TSP administrator…kinda daunting the thought of a check of this amo...
by Barefootgirl
Mon Apr 21, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rollover to TSP
Replies: 11
Views: 756

Re: Hotmail - you get what you pay for?

Hi Warpspeed, I did go through the account recovery process and got an email from them telling me that they successfully recovered my email account and a separate email would be sent with instructions for resetting my password - never got the second email - so strange. I can't reset the usual way, I...
by Barefootgirl
Sat Apr 19, 2014 6:13 pm
 
Forum: Personal Consumer Issues
Topic: Hotmail - you get what you pay for?
Replies: 5
Views: 1255

Hotmail - you get what you pay for?

I have an old Hotmail account and somehow, have gotten locked out of it - I've already searched online and found people with my same problem (wrong number of digits in the recovery code sent, then sent them a form and they recovered the account, but they never sent me a new link, etc.) and no one se...
by Barefootgirl
Fri Apr 18, 2014 6:02 pm
 
Forum: Personal Consumer Issues
Topic: Hotmail - you get what you pay for?
Replies: 5
Views: 1255

Re: apartment rental strategies

And as mentioned, there's little to no negotiating at that point. It's either move or accept the higher rent I noticed this too when I rented from a corporation. Much like the telecommunications industry, they prefer new customers over existing customers. The opposite seems true with private landlo...
by Barefootgirl
Wed Apr 16, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: apartment rental strategies
Replies: 12
Views: 1180

Re: apartment rental strategies

Over the years, I've watched the industry change a lot...seems they are now using software programs to assess vacancy or "empty seat" rates (essentially the hotel or airline model) and prices can fluctuate nearly hourly or at least it seems that way. You know something is up when they send...
by Barefootgirl
Wed Apr 16, 2014 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: apartment rental strategies
Replies: 12
Views: 1180

Re: Federal Employment Question

Thank you all for the additional input, much appreciated. I may be overly optimistic since my current and only position with the federal government was obtained through networking (Direct Hire, someone called me on the phone and told me to apply). I realize the environment has changed in the past fe...
by Barefootgirl
Wed Apr 16, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employment Question
Replies: 20
Views: 1337

Re: Frugality regret: What thing do you regret not spending

Hi protagonist, You bring up a good point, but I wonder if they don't bring up money because they see it for what it is - a means to an end - and so therefore, some of your examples : not having more children, not visiting Europe, not going to college could be regrets related to not having enough mo...
by Barefootgirl
Wed Apr 16, 2014 10:08 am
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 112
Views: 14341

Federal Employment Question

I know there are many federal employees or retirees who frequent this forum, so I am seeking a little advice. I fall outside the box, since I am not a lifelong federal employee, I only came onboard a few years ago due to an urgent need for my skill set. Most in federal employment seem to only stay f...
by Barefootgirl
Wed Apr 16, 2014 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employment Question
Replies: 20
Views: 1337

Re: Frugality regret: What thing do you regret not spending

I once heard someone describe frugality as a "scarcity mindset" - along the lines that what you believe, you attract, following that if you fear being poor, you will be poor. For me, it's just a form of risk management, tempered by the knowledge that not everything is under my control. BFG
by Barefootgirl
Mon Apr 14, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 112
Views: 14341

Re: Frugality regret: What thing do you regret not spending

I regret not seeing some of my favorite music artists in the 70s and 80s when they played with strength and passion and tickets often sold for around $20. Now, these same groups want upwards of $400/ticket to watch them sway slowly back and forth on stage with weaker vocals and weaker playing abilit...
by Barefootgirl
Sat Apr 12, 2014 10:50 pm
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 112
Views: 14341

Re: A story, and a feeling of financial under-accomplishment

Oh my goodness, you have lots of company and don't know it - primarily because successful events are over reported and unsuccessful the opposite (see: people heading back from Las Vegas). Most of my life, I've believed that if I can, any one can - short of it - female child, raised in a rural area t...
by Barefootgirl
Sat Apr 12, 2014 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: A story, and a feeling of financial under-accomplishment
Replies: 48
Views: 4177

Re: Why Americans are Retiring Overseas

I've been living and working in an ultra uptight environment for too long - when I retire, I want to go bohemian, maybe international, looking for a short list of places. Not for forever, just until I feel the need for a change. Suggestions appreciated. BFG PS/perhaps I should define bohemian, domes...
by Barefootgirl
Thu Apr 10, 2014 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 9072

Re: Mr. Money Mustache: Hero or Foolish?

A thought just occurred to me as to the generational angle, the teacher appears when the student is ready - perhaps most begin to wake up around age 30.

BFG
by Barefootgirl
Thu Apr 10, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 250
Views: 27705

Re: Mr. Money Mustache: Hero or Foolish?

wow, two great posts asking great questions and both pertinent.

Bravo! BFG
by Barefootgirl
Thu Apr 10, 2014 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 250
Views: 27705

Re: Mr. Money Mustache: Hero or Foolish?

MMM may make valid points and I'm generally a supporter of those who bring to light the trap of a consumer based lifestyle, but is there really anything new to see here? We've seen such commentators for many years now haven't we - or does each subsequent generation need to invent its own frugality g...
by Barefootgirl
Thu Apr 10, 2014 7:49 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 250
Views: 27705

Re: Netflix & Red Box

Thanks for the recommendations, much appreciated. House of Cards, by description, might be a little too close to my career situation - so I need escapes and lean toward alternate universes like Weeds for example ;) I found Dexter to be a bit too gruesome - but Breaking Bad has been my favorite so fa...
by Barefootgirl
Wed Apr 09, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Netflix & Red Box
Replies: 26
Views: 1498

Netflix & Red Box

I'm noticing that for the movies I really want to watch via my Netflix subscription, most are only available on DVD and not available through streaming. Streaming seems to be best for TV series. I enjoyed the Breaking Bad and Orange is the New Black episodes - any other series suggestions? Intereste...
by Barefootgirl
Wed Apr 09, 2014 7:54 am
 
Forum: Personal Consumer Issues
Topic: Netflix & Red Box
Replies: 26
Views: 1498

Re: Frugal Fatigue

I think on this subject often. I developed the frugality mindset/behavior patterns about 20 years ago and now they are ingrained in my nature. When I was a parent raising a young child in an expensive, affluent area - we shopped locally for lots of great household items second hand and saved a lot o...
by Barefootgirl
Sat Apr 05, 2014 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Frugal Fatigue
Replies: 96
Views: 9818

Re: Death of co-worker

I work in a job that is often thankless and sometimes very stressful. There are two things that make this doable for me right now - My career allows me to make the world a more positive place. I don't understand people who earn blood money - what they do tears away at the fabric of humanity. Knowing...
by Barefootgirl
Wed Apr 02, 2014 9:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9294

Re: best vacuum cleaner

Related question - any of you have and like the Roomba?

Thanks
by Barefootgirl
Wed Apr 02, 2014 7:28 am
 
Forum: Personal Consumer Issues
Topic: best vacuum cleaner
Replies: 23
Views: 1650

American Funds?

My aunt is in her 70s and not in the best of health. She called me because her broker recently recommended she move some money into American Funds. I was not familiar with this company, soI tried to find some info online - seems they are big, right behind Fidelity and Vanguard - but shun publicity a...
by Barefootgirl
Mon Mar 31, 2014 3:22 pm
 
Forum: Investing - Theory, News & General
Topic: American Funds?
Replies: 37
Views: 2873

reading advice for an ambitious woman in her early 20s?

I am the mother of a very bright and enterprising young woman in her early 20s. She has a great future ahead of her. There is only one issue - like some others her age, she will not or does not want to hear advice that comes from her parents. She either has to learn it for herself (often the hard wa...
by Barefootgirl
Mon Mar 31, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: reading advice for an ambitious woman in her early 20s?
Replies: 32
Views: 2278

Boxed Wines

It was on this forum that I first read that there are boxed wines that while not as great as many bottled wines, are decent and pleasing enough for the dinner table. Over the weekend, we tasted Black Box Riesling - oh my goodness, disappointing is an understatement. I could have instead taken a bott...
by Barefootgirl
Mon Mar 31, 2014 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Boxed Wines
Replies: 29
Views: 1928

Re: Conversion Considerations

Thank you again for the helpful advice. It's good to know I won't need to amend old returns if unable to locate the older 8606s. I recognize we try to avoid triggering tax events, but seems like in this case, the benefits will be outweighed in eventually combining the balances in a TIRA and Roth int...
by Barefootgirl
Fri Mar 28, 2014 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Conversion Considerations
Replies: 9
Views: 780

Re: Conversion Considerations

Thank you. I need to double-check of course, but believe they were made from 2008 to 2011 and there may have been 8606's filed already for each of those years… so I need to check older records.

Thanks again, BFG
by Barefootgirl
Wed Mar 26, 2014 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Conversion Considerations
Replies: 9
Views: 780

Re: Kindle Paperwhite?

Hi thanks. I purchased a Kindle Paperwhite soon after the post and I've been enjoying it with downloaded books. I would like to start reading e-newspapers like WSJ or NYT on it, but don't have need for a full subscription, since I only pick up my Kindle about once/week. How does Calibre work so that...
by Barefootgirl
Wed Mar 26, 2014 7:56 am
 
Forum: Personal Consumer Issues
Topic: Kindle Paperwhite?
Replies: 36
Views: 3259

Re: Conversion Considerations

Thank you for the recharacterization explanation, which would appear to apply to someone with a large tax liability, which should not be the case in my situation.

Appreciate the advice to hold for a quarter before consolidating.

Thank you, BFG
by Barefootgirl
Wed Mar 26, 2014 7:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Conversion Considerations
Replies: 9
Views: 780

Re: TSP Lazy Porfolio with 4 funds

Is there an optimal combination (combined percentages) of TSP Funds that most closely approximates the Vanguard VTSMX (Total Stock Market Index Fund)?

Thank you, BFG
by Barefootgirl
Wed Mar 26, 2014 7:44 am
 
Forum: Investing - Theory, News & General
Topic: TSP Lazy Porfolio with 4 funds
Replies: 41
Views: 4434

Re: Best websites for foreign long term rentals

You might consider joining the Evergreen club as a low cost alternative. I believe there are members worldwide.

https://www.evergreenclub.com/about

BFG
by Barefootgirl
Wed Mar 26, 2014 7:16 am
 
Forum: Personal Consumer Issues
Topic: Best websites for foreign long term rentals
Replies: 9
Views: 857

Conversion Considerations

Background Data - I have a Roth IRA and my MAGI is low enough that I can contribute to the max and should be able to do so for a few years. I have a small Traditional IRA account - it was funded entirely with after-tax contributions and the earnings have been minimal. According to the Bogleheads Wik...
by Barefootgirl
Tue Mar 25, 2014 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Conversion Considerations
Replies: 9
Views: 780

Re: best cash back credit card

Barclays Travel
Starwood Amex
Marriott Rewards Visa
Choice Privileges Visa

Prior to engaging in this new hobby I already had a Chase Sapphire, Chase Freedom and Discover.

Thanks, BFG
by Barefootgirl
Tue Mar 25, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: best cash back credit card
Replies: 185
Views: 20466

Re: best cash back credit card

A few months ago, I decided to start taking advantage of some of these cards since I predict more travel in my future. I applied for 4 cards all on the same day and was approved for all. I've now used them for all the bonuses and awards I expect to get. How long should I wait before applying for any...
by Barefootgirl
Mon Mar 24, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: best cash back credit card
Replies: 185
Views: 20466

Re: Will this affect your Tipping? [Suggested Tip Amounts]

Thank you, did not realize there was a similar thread going. I guess I am sensitive to what I term as "cash creep" - ever more ways for establishments to wring more cash from me. I'm old school I guess, but I find it rude. It seems that this just another example - everywhere I go, I am fac...
by Barefootgirl
Sun Mar 23, 2014 3:15 pm
 
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 7561

Paying by Tablet

[Thread merged into here, see below. --admin LadyGeek] I wasn't surprised when I recently dined out and the waiter brought us a tablet to enter our payment information, versus the traditional paper bill/receipt. It wasn't lost on me that the tip was pre-calculated at various percentages and laid ou...
by Barefootgirl
Sun Mar 23, 2014 10:33 am
 
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 7561

Another Roku question

Based on excellent advice received here, I bought and subsequently enjoyed immensely - using my Roku box, in particular for streaming Netflix. I've now moved and live in a place recently built, where the modem (or is it called router?) box from the cable provider is located in a chest on the wall in...
by Barefootgirl
Sat Mar 22, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Another Roku question
Replies: 6
Views: 840

Re: Do you love your job? What do you do?

I wish the internet had been around in my 20s when I was making career choices. I would have gained a lot from this thread and I am pretty sure it would have influenced me to make different choices than the ones I ended up making. I was one of those oddballs who actually listened to more experienced...
by Barefootgirl
Fri Mar 21, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 10112

Re: Less is Beautiful

I "peaked" out on material possessions a few years ago and began the journey to minimalize/minimize. I've written about it here before, but basically the first phase was to digitize content I wanted to keep and then discard the original media. This was followed by serious paring down of ot...
by Barefootgirl
Wed Mar 19, 2014 9:25 pm
 
Forum: Personal Consumer Issues
Topic: Less is Beautiful
Replies: 29
Views: 4233

Re: Recommended Brand/Model for a Heart Rate Monitor?

Hi,

This is for exercise and I appreciate the recommendations.

BFG
by Barefootgirl
Sat Mar 15, 2014 6:10 pm
 
Forum: Personal Consumer Issues
Topic: Recommended Brand/Model for a Heart Rate Monitor?
Replies: 13
Views: 814

Recommended Brand/Model for a Heart Rate Monitor?

Would appreciate recommendations for those used by forum members - that work well.

Thanks, BFG
by Barefootgirl
Fri Mar 14, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: Recommended Brand/Model for a Heart Rate Monitor?
Replies: 13
Views: 814

Re: "Re-selling" Online

Thanks curly, perhaps I need to reconsider eBay.

magellan, yes, I am familiar with the sold prices. These other channels you mentioned - do you have names to share?

Thanks
by Barefootgirl
Fri Mar 14, 2014 7:18 am
 
Forum: Personal Consumer Issues
Topic: "Re-selling" Online
Replies: 11
Views: 973

"Re-selling" Online

Several years ago, I became a small time collector of certain niche, high end bottles of perfume. Today, while unpacking, I went online to discover that most of them are now discontinued, hard to find and commanding high prices on eBay. (If only my stock funds could have soared like the market value...
by Barefootgirl
Thu Mar 13, 2014 5:22 pm
 
Forum: Personal Consumer Issues
Topic: "Re-selling" Online
Replies: 11
Views: 973

Re: House too small; what to do?

Stack them like firewood? No seriously, LOL I've lived in small, urban spaces for about 20 years, +/- , so I have had some experience with this and found the best solution is to be very creative with use of space - see online websites and Ikea for great ideas…there are amazing efficiencies that can ...
by Barefootgirl
Thu Mar 13, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: House too small; what to do?
Replies: 38
Views: 3063

HSABank Debit Card

Today, I've received an HSABank debit card in the mail that I don't recall applying for, but anyway…my HSABank account is tied to my employee health plan. Since I am planning to pay expenses out of pocket, I am not sure of what benefit this debit card is to me…do any of you use one with your HSA acc...
by Barefootgirl
Tue Mar 11, 2014 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSABank Debit Card
Replies: 4
Views: 275

Re: Buy vs rent no longer relevant?

Great summary Victoria…I'd like to add a few more points to the mix. A big yes to those who've mentioned the cultural bias and it's not just the suggested tax advantages, home ownership in America is pushed as a sign that you own a piece of the dream…it goes along with all the other cultural myths p...
by Barefootgirl
Tue Mar 11, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy vs rent no longer relevant?
Replies: 60
Views: 5852

Re: Amazon 10% Fed refund bonus with TurboTax

Thanks Bill…if you don't mind a follow up question, can I ask how long the IRS took to send your refund? I filed online about a week ago. I have my state refund already, but the feds are still mum (not unexpected).

thanks!
by Barefootgirl
Sun Mar 09, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amazon 10% Fed refund bonus with TurboTax
Replies: 30
Views: 5232

Re: New York TImes/WSJ [paper vs. online subscriptions]

So what is the trick to reading a NYTimes article from 1932? I always get the pay $3.95 message, but it would be free with a paid subscription. How do I steal (um, read) that? I don't know, I've paid for my NY Times articles.…repeating my intentions for those with extra rubber on their soles, appar...
by Barefootgirl
Sun Mar 09, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: New York TImes/WSJ [paper vs. online subscriptions]
Replies: 40
Views: 2124

Re: Buy vs rent no longer relevant?

This is one of those topics where people always go round and round, pointing out pros and cons in both situations.

Doesn't that mean it's not possible to make any generalizations about the the optimal choice?

BFG
by Barefootgirl
Sun Mar 09, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy vs rent no longer relevant?
Replies: 60
Views: 5852

Re: New York TImes/WSJ

I wasn't suggesting that I wouldn't necessarily pay for a subscription (although I do wish you could pay by article, lol)…my curiosity was piqued by the person claiming to read it online for free. I've noted with interest that some publications I would like to read (and pay for!) online via my Kindl...
by Barefootgirl
Sun Mar 09, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: New York TImes/WSJ [paper vs. online subscriptions]
Replies: 40
Views: 2124
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