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by Barefootgirl
Thu May 28, 2015 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees - New HSA process?
Replies: 3
Views: 294

Federal Employees - New HSA process?

I've noticed something interesting happening with my HSA account. I am a federal employee and the account holder is HSABank. In 2014, my employee contributions were sent by my employer directly to HSABank. In 2015, my employer is sending my designated HSA contribution amount directly to me by direct...
by Barefootgirl
Wed May 27, 2015 8:27 pm
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 100
Views: 8497

Re: How to pay real estate tax with Target Redcard

It's arbitrage, not unlike what happens with concert tickets.

giftcardzen, stubhub - they are all enablers, lol

which is of course, separate from the issue of using gift cards for credit card spending.
by Barefootgirl
Wed May 27, 2015 7:35 pm
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 100
Views: 8497

Re: How to pay real estate tax with Target Redcard

I'd like to make sure I understand this: You get cash back when you buy an Amex GC, which offsets a portion of the fee you pay for the Visa GC - but the Amex GCs don't have their own fees as well?

BFG
by Barefootgirl
Wed May 27, 2015 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Just Received 2014 Form 5498 from Vanguard
Replies: 6
Views: 1055

Just Received 2014 Form 5498 from Vanguard

Since we're past tax season, is this just for my records? It's just a report of the IRA contribution I made in 2014.

Thanks
by Barefootgirl
Wed May 27, 2015 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 165
Views: 19821

Re: much ado about coasting (through life)

TimeLord, what are your thoughts on self employed artists and writers or monks and the like?

I would suspect that some of these folks, outwardly would not appear busy at all, but on another level, could be very fulfilled.

BFG
by Barefootgirl
Wed May 27, 2015 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Planning Ahead for Retirement, UofM
Replies: 3
Views: 760

Re: Planning Ahead for Retirement, UofM

Thanks for the reference. Did they ever find any trace of D.B. Cooper?

BFG
by Barefootgirl
Wed May 27, 2015 2:49 pm
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 100
Views: 8497

Re: How to pay real estate tax with Target Redcard

Actually, i posted this since I know we have some serious card strategists in our Boglehead community....sort of a public service announcement, lol. In another twist, a new Walmart and new CVS just opened across the street from each other just a mile or so from my neighborhood. I haven't looked into...
by Barefootgirl
Wed May 27, 2015 1:51 pm
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 100
Views: 8497

Re: How to pay real estate tax with Target Redcard

Yes, that is the example I was referring to - the $40K would translate to large amount of points after meeting spend requirements across several cards. I think perhaps this can look illogical to someone who doesn't travel very often or who isn't paying for a large family to fly to Europe together, b...
by Barefootgirl
Wed May 27, 2015 1:46 pm
Forum: Personal Consumer Issues
Topic: Credit Terminology
Replies: 2
Views: 150

Credit Terminology

I've been playing the credit card game and notice the term "hard pull" - I assume that means the bank checks your credit history/status, prior to issuing a card with a credit line, but what other kinds of "pull" or verification are there? Is this something I need to be concerned ...
by Barefootgirl
Wed May 27, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: Should I shorten my last name?
Replies: 60
Views: 4119

Re: Should I shorten my last name?

I think it depends on how much it truly bothers you and sounds like it does. I have a (obviously deceased) great, great grandparent whose surname derived from the area he came from: http://en.wikipedia.org/wiki/Marsicovetere Six syllables, yikes. A couple of his children took the name Martin instead...
by Barefootgirl
Wed May 27, 2015 11:51 am
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 165
Views: 19821

Re: much ado about coasting (through life)

Great thread, probably because it's leaning to the philosophical. The question becomes: What does a person owe society, assuming they pay their taxes and obey the laws, what do they owe beyond that? These younger people are fortunate to have an early awareness of the bigger picture.

BFG
by Barefootgirl
Tue May 26, 2015 9:24 pm
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 100
Views: 8497

Re: How to pay real estate tax with Target Redcard

I assume to meet minimum spend. $40K worth of CC charges might net airline tix far exceeding $1K?
by Barefootgirl
Tue May 26, 2015 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Transcript page hacked
Replies: 19
Views: 923

IRS Data Breach Announced Today

[Thread merged into here, see below. --admin LadyGeek]

http://www.irs.gov/uac/Newsroom/IRS-Sta ... M.facebook

BFG
by Barefootgirl
Tue May 26, 2015 8:01 pm
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 100
Views: 8497

Re: How to pay real estate tax with Target Redcard

Doctor of Credit is reporting a new service for paying tuition or rent with a credit card @ 2.5% fee. Compared to past or other offers, does 2.5% fee sound high for this?

http://www.doctorofcredit.com/new-optio ... edit-card/

BFG
by Barefootgirl
Sat May 23, 2015 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Major issues with new HSABank.com website
Replies: 40
Views: 3818

Re: Major issues with new HSABank.com website

Thank you for the correction....that HSABank in the institution chosen by GEHA...as I recall and will need to verify, GEHA may have been my only choice for an HDHP during the last enrollment season. I wonder if there a backdoor way around using HSABank if I stay with the GEHA HDHP...like setting up ...
by Barefootgirl
Fri May 22, 2015 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: The end of the nest egg
Replies: 30
Views: 7050

Re: The end of the nest egg

I have witnessed this firsthand. My maternal grandparents lived into their 90s. My grandfather passed a few years ago, leaving my grandmother behind. My grandmother, now 94, requires quite a bit of care. My mother has her own health issues and so she cannot provide all the care my grandmother requir...
by Barefootgirl
Fri May 22, 2015 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 3970

Re: Not able to max out all the retirement accounts

yes, great for the total domestic stock funds...exuberance is tempered by a portfolio which includes equal amounts of bond funds and international stock funds...agh, that's why it's called diversification for the long run ;)
by Barefootgirl
Fri May 22, 2015 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 7238

Re: please confirm: early retirement

Amazing bargains found online from reputable eyewear sellers. Dental care expensive in HCOL areas - consider travelling farther from home or visiting a university dental clinic....

If willing to be creative, most expenses can be reduced

BFG
by Barefootgirl
Fri May 22, 2015 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Friends/Family that don't invest!
Replies: 87
Views: 8655

Re: Friends/Family that don't invest!

"It doesn't make sense to save for the future because you never know what will happen tomorrow. You may not be in a situation to enjoy your money later, so you might as well enjoy yourself today" I went to a reunion the other night of a group of former colleagues - we were all longtime em...
by Barefootgirl
Fri May 22, 2015 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 3970

Re: Not able to max out all the retirement accounts

I read that net worth progression thread....I was noticing some had approx $300K/year over year gains on a $1M portfolio and thinking - wow! what kind of index funds are earning close to 30% a year? ;) As some point, I have to believe people are including assorted and sundry windfalls - income jumps...
by Barefootgirl
Fri May 22, 2015 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Check your HSA Bank Statement!
Replies: 20
Views: 3417

Re: Check your HSA Bank Statement!



I sent an e-mail. They blew me off. I won't repeat what they said in the e-mail, but I am going to send it to the CEO.


livesoft, would you mind sharing the email address of the CEO? If you would prefer via PM, that works too.

Thanks
by Barefootgirl
Fri May 22, 2015 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Major issues with new HSABank.com website
Replies: 40
Views: 3818

Re: Major issues with new HSABank.com website

HSABank is the institution the federal government uses for HSA accounts for federal employees.

This has to be a huge account for them...and therefore, I am shocked at the snafus, lack of knowledge on the part of the reps, general incompetence. They have no business being in that business, IMO.

BFG
by Barefootgirl
Fri May 22, 2015 11:22 am
Forum: Personal Consumer Issues
Topic: Printing/MacAir
Replies: 3
Views: 432

Printing/MacAir

I rarely print and have little experience printing from my Mac, but would appreciate any advice from those who might be familiar with this. I've been emailed some e-gift certificates that appear in the body of the email. In order to use them, I have to print and present - however, when I print them,...
by Barefootgirl
Thu May 21, 2015 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 165
Views: 19821

Re: much ado about coasting (through life)

When I stop to consider the various human conditions that exist on this planet, I'm struck by what a luxury this topic represents and I feel gratitude, even as one whose nose is still pushing the grindstone. We no longer have children to help us work the fields, we now have them out of some sense of...
by Barefootgirl
Thu May 21, 2015 6:27 pm
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 100
Views: 8497

Re: How to pay real estate tax with Target Redcard

Perhaps to meet spending requirements and to reach point status for example on a more valuable program - like Starwood.


BFG
by Barefootgirl
Sat May 16, 2015 10:14 am
Forum: Personal Consumer Issues
Topic: Is the Post Office slowing down First Class Parcel delivery?
Replies: 25
Views: 2388

Re: Is the Post Office slowing down First Class Parcel delivery?

The whole business model seems to have changed. I live in a large, heavily populated suburb and we only have the most minimal of USPS services here. No post office, no blue drop off boxes and delivery only to a box cluster at the end of each street. If we want to send something, we can ship locally ...
by Barefootgirl
Sat May 16, 2015 7:05 am
Forum: Personal Consumer Issues
Topic: Consumer Complaint Issues
Replies: 5
Views: 633

Consumer Complaint Issues

My memory on this is sketchy, but I thought there was a consumer oriented website where you can locate the email and mailing addresses of senior company executives when you want to inform them of a significant consumer complaint?

Does anyone know of such a reference?

Thank you, BFG
by Barefootgirl
Fri May 15, 2015 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Am I a Millionaire???
Replies: 53
Views: 6370

Re: Am I a Millionaire???

A rose by any other name would smell just as sweet.
by Barefootgirl
Fri May 15, 2015 9:27 am
Forum: Personal Consumer Issues
Topic: Blues (music)
Replies: 57
Views: 3816

Re: Blues (music)

Something About You Baby....fly on, always a legend, RIP B.B.


BFG
by Barefootgirl
Tue May 12, 2015 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Frugality Reinforced - The Millionaire Next Door
Replies: 84
Views: 12570

Re: Frugality Reinforced - The Millionaire Next Door

Oh I also enjoyed YMOYL much more than TMND - mostly because it uses the personal approach - how do you value YOUR life, YOUR time? ...not how people stack up against each other, whether obvious or not. I am with physicsgal, people who forge their own unique path are much more attractive and interes...
by Barefootgirl
Tue May 12, 2015 8:30 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 9206

Re: I Hate Vacations

Although I love vacations, I don't like that feeling one can get when a vacation doesn't go right - bad weather, missed connections, hotel pool closed for repairs, etc. - because somehow it feels "wasted" because the time off is so precious. I used to live in the Northeast - land of unpred...
by Barefootgirl
Tue May 12, 2015 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Post- Retirement Jobs
Replies: 18
Views: 2292

Re: Post- Retirement Jobs

expert witness in IPR disputes

Do you mind expanding on what this is? thanks
by Barefootgirl
Tue May 12, 2015 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 165
Views: 19821

Re: much ado about coasting (through life)

But life is definitely too short to waste on something that they have to pay you to do.

I can almost hear the teacups rattling now ...."oh my, if the younger generation feels this way, who will be paying into MY Social Security?" :)
by Barefootgirl
Tue May 12, 2015 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 165
Views: 19821

Re: much ado about coasting (through life)

The fisherman in the story is going to wind up in trouble some day.

I'm not convinced of that. I think you might be looking at it through the lens of values in the U.S.

In Mexico, one is more apt to have a better safety net within the family and community - along with cheaper health care.


BFG
by Barefootgirl
Tue May 12, 2015 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Post- Retirement Jobs
Replies: 18
Views: 2292

Post- Retirement Jobs

Frequently on the forum, I see a recommendation for returning to paid work if one starts to incur expenses higher than expected, in retirement. Maybe I've been in the professional workforce too long, but the consensus here seems to be that if you are out long enough (and particularly if you are over...
by Barefootgirl
Tue May 12, 2015 6:40 am
Forum: Investing - Theory, News & General
Topic: "Why Would an Experienced Investor Buy a Target-Date Fund?"
Replies: 38
Views: 4639

Re: "Why Would an Experienced Investor Buy a Target-Date Fund?"

I like the idea of these managed funds that do the rebalancing for me. I've thought about moving my funds, but that would mean I'd have to pull money from both taxable and tax deferred accounts and as well, out of my TSP. Maybe that's not a big deal or I just need to consider all the implications. BFG
by Barefootgirl
Mon May 11, 2015 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Frugality Reinforced - The Millionaire Next Door
Replies: 84
Views: 12570

Re: Frugality Reinforced - The Millionaire Next Door

I'm certain that given my set of circumstances, being born in the US was a big plus for me. The subject of spending on material items versus experiences seems kind of silly to me. Although I belong in the spending on experiences camp, I am loathe to judge someone else's passions and pleasures. Some ...
by Barefootgirl
Mon May 11, 2015 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Frugality Reinforced - The Millionaire Next Door
Replies: 84
Views: 12570

Re: Frugality Reinforced - The Millionaire Next Door

Seems as if we are born with unequal gifts. Some are able to parlay those into FI, but some cannot (for a multitude of reasons). I look at it as a series of plusses and minuses. For example, born in the US (plus), raised in a rural area with few opportunities (minus), born into a working class famil...
by Barefootgirl
Mon May 11, 2015 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Over-contribution to HSA: now what?
Replies: 8
Views: 554

Re: Over-contribution to HSA: now what?

Spirit Rider, Were you able to find a citation for this, other than Form 5329? HSABank botched the return of my excess contribution, so now I am trying to get them to reimburse me for the wasted fees. Unfortunately, they prefer to debate tax law with me. They insist that an excess contribution for 2...
by Barefootgirl
Sun May 10, 2015 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Frugality Reinforced - The Millionaire Next Door
Replies: 84
Views: 12570

Re: Frugality Reinforced - The Millionaire Next Door

I also remember the book included some kind of formula that you could apply to your own circumstances to see if you were on track to becoming a MND, based on your age group. I recall applying it at the time and learning I was far behind. Ironically, I am now ahead....and given what I know about my t...
by Barefootgirl
Sun May 10, 2015 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Frugality Reinforced - The Millionaire Next Door
Replies: 84
Views: 12570

Re: Frugality Reinforced - The Millionaire Next Door

Seems like for many, striving to impress is part of the dating process. It helps though, the second time around, to be older and more secure (in every way)....helps a person weed out the potential problems sooner :)


BFG
by Barefootgirl
Sat May 09, 2015 11:00 am
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 165
Views: 19821

Re: much ado about coasting (through life)

This is a well worn story, but I think very appropriate here: An American investment banker was at the pier of a small coastal Mexican village when a small boat with just one fisherman docked. Inside the small boat were several large yellowfin tuna. The American complimented the Mexican on the quali...
by Barefootgirl
Thu May 07, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: Nutribullet or Ninja extractor?
Replies: 20
Views: 1548

Re: Nutribullet or Ninja extractor?

Have a Blendtec that works great - has been, for several years. This is the brand (I believe) that is used by Jamba Juice, Starbucks, Smoothie King - they are meant to last and to be used all day long.....

Love mine, definitely on par with Vitamix and I like mine better than my old Vitamix.
by Barefootgirl
Thu May 07, 2015 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 141
Views: 17028

Re: What job to get to coast to Retirement at age 59 1/2?

Coasting is just fine. Work to live, not live to work. If you want a low-stress, coasting job, don't let the naysayers get to you. Good advice. Don't drink the standard American Kool Aid. There is no rule book for Life which requires one to be chained to the highest paying job available, usually en...
by Barefootgirl
Wed May 06, 2015 8:59 am
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 156643

Re: TradingPlaces' advice on travel awards

I went to Target last night to do a final load and the customer rep there said the store manager told them the change resulted from people loading, but not shopping while at the stores - so it's understandable - it was a beta test for them. It's always interesting to watch and wait to see where the ...
by Barefootgirl
Sun May 03, 2015 11:11 am
Forum: Personal Consumer Issues
Topic: Telemarketing by Cell /Increase with Consumer Cellular
Replies: 32
Views: 1713

Re: Telemarketing by Cell /Increase with Consumer Cellular

I can't help but notice the irony. Ostensibly, we purchase the devices so we can be reached, but then don't want to be reached, so they then just become message gathering devices...
by Barefootgirl
Sun May 03, 2015 7:25 am
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 100
Views: 8497

Re: How to pay real estate tax with Target Redcard

I personally only buy VGC @ Staples w/ Ink when they have their $20 rebate deal going.

How do you get notice of a rebate offer, are you on an email list or something similar?

How do you liquidate yours?
by Barefootgirl
Sun May 03, 2015 7:13 am
Forum: Personal Consumer Issues
Topic: Telemarketing by Cell /Increase with Consumer Cellular
Replies: 32
Views: 1713

Re: Telemarketing by Cell /Increase with Consumer Cellular

I've resorted to not answering my phone, now I just pick up any voice messages left for me. i remember once a long time ago, someone called me on my landline to market to me. The call came through as we were preparing to sit down to dinner. I asked the telemarketer for his phone number. He asked why...
by Barefootgirl
Sat May 02, 2015 10:47 am
Forum: Personal Consumer Issues
Topic: Telemarketing by Cell /Increase with Consumer Cellular
Replies: 32
Views: 1713

Re: Telemarketing by Cell /Increase with Consumer Cellular

I thought (my memory could be sketchy) that fines were imposed when marketers ignore the Do Not Call List.
by Barefootgirl
Sat May 02, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 100
Views: 8497

Re: How to pay real estate tax with Target Redcard

I tried to use my brand new Citi card this morning at a regular grocery store. I had to laugh because it was declined and the clerk made a point to lean across the counter to whisper that to me. I asked him if he was from another era, when cards were declined to overextended or unpaid accounts - not...

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