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Macbook Air - software question

Rather than print, then scan a PDF version of a document (which won't be accepted by the recipient), I need to convert the file to PDF while it's still on my computer - not printed. I've never done this on a Mac. Can someone tell me where I find the application to do this? All help appreciated, than...
by Barefootgirl
Thu Mar 26, 2015 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air - software question
Replies: 2
Views: 229

Re: [Neighbor violating HOA rules by using] VBRO and Airbnb

The one complaint I saw in your message was a noisy Superbowl party? and that could happen with any home, not just one used to accept paid guests.

So what are the specific incidents that seem to be causing complaints among the neighbors?

That's the part I am unclear about.
by Barefootgirl
Tue Mar 24, 2015 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Neighbor violating HOA rules by using] VBRO and Airbnb
Replies: 38
Views: 3808

Re: Roommate problems

These arrangements involve family members. Can't they just work it out by talking to one another to reach an agreeable solution that works for all involved?
by Barefootgirl
Tue Mar 24, 2015 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roommate problems
Replies: 39
Views: 4136

Re: Fish from Costco?

My understanding is that tilapia are fed manure.

I believe wild salmon consumer smaller fish.

I prefer wild salmon, but more so for flavor and nutrient profile.
by Barefootgirl
Tue Mar 24, 2015 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 31
Views: 3574

Re: What Movie Have You Recently Watched?

St Vincent, starring Bill Murray.. Murray was totally in character here.
by Barefootgirl
Sun Mar 22, 2015 12:25 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 654
Views: 85299

Re: Stock Research Tool

Yes, thank you. Unfortunately, this doesn't appear to go back to the 1990s
by Barefootgirl
Sat Mar 21, 2015 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: Stock Research Tool
Replies: 3
Views: 327

Stock Research Tool

Does anyone know if a tool (preferably free, lol) exists where one can look up the opening and closing price of a particular stock on a particular date?

Thank you.
by Barefootgirl
Sat Mar 21, 2015 3:02 pm
 
Forum: Investing - Theory, News & General
Topic: Stock Research Tool
Replies: 3
Views: 327

Re: TurboTax question

Not very exciting, just an excess contribution situation to a retirement vehicle with additional details.
by Barefootgirl
Fri Mar 20, 2015 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax question
Replies: 6
Views: 649

Re: TurboTax question

Thank you for finding that. I was wondering what others might have done in this situation. Seems like a great argument for filing the old fashioned way - through the USPS.

Thanks again, BFG
by Barefootgirl
Fri Mar 20, 2015 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax question
Replies: 6
Views: 649

TurboTax question

It seems that often, whenever there is a unique or uncommon tax situation, the advice comes back that one should include an explanatory note to the IRS with the filing. Does anyone know, when using TurboTax and filing online, where such a note would usually be included? In the old days, a sheet of p...
by Barefootgirl
Fri Mar 20, 2015 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax question
Replies: 6
Views: 649

Re: HSA - Excess Contributions

thank you so much! Using TurboTax.
by Barefootgirl
Tue Mar 17, 2015 7:45 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA - Excess Contributions
Replies: 4
Views: 419

Re: HSA - Excess Contributions

thank you....I called HSABank. They said they'd send me the form required for them to reimburse me the excess. Beyond that, they said I'd need to talk to my tax advisor.

They don't know I am my tax advisor lol.

This is just a first for me...hope it will be the last. BFG
by Barefootgirl
Mon Mar 16, 2015 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - Excess Contributions
Replies: 4
Views: 419

HSA - Excess Contributions

Can someone help me find a link or a reference for the process of how to handle or account for a 2014 excess contribution to my HSA? I stupidly assumed the system would automatically reject any contributions exceeding the allowable amount. Looks like I'll need to calculate an approximate under-contr...
by Barefootgirl
Mon Mar 16, 2015 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - Excess Contributions
Replies: 4
Views: 419

Re: Do you really need 2.5 million to retire well?

Most of these models and projections assume the unit of a couple for planning purposes. The reality is our society has changed. We have more single middle aged and beyond people than ever before. (Few expect to divorce or become widowed and yet the numbers...) I wonder whether other singles, when th...
by Barefootgirl
Fri Mar 13, 2015 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you really need 2.5 million to retire well?
Replies: 121
Views: 12702

Vitamins/Supplements, recs for reliable brands & retailers?

There have been recent news reports regarding vitamins and supplements that do not contain what they are labelled to contain.

I would like to know if you use any brands you believe to be reliable - and receive any recommendations for retailers with good pricing and customer service?

Thank you, BFG
by Barefootgirl
Thu Mar 12, 2015 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Vitamins/Supplements, recs for reliable brands & retailers?
Replies: 12
Views: 924

Re: What are some common misconceptions found in this forum?

Distributions in retirement without pension income will be taxed at the marginal rate


Do you mind explaining this one a little further?

Thank you.
by Barefootgirl
Wed Mar 11, 2015 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 207
Views: 16348

Re: Just cut my cable bill...

All I watch are a couple news channels and whatever I find on Roku - but my understanding is that I still need to pay Comcast for the TV programming, since I cannot obtain the news channels without it...(no possibility for an antenna here). But it seems the way that Comcast bundles the channels, I c...
by Barefootgirl
Tue Mar 10, 2015 10:20 pm
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5378

Re: Mango prepaid card - 4.8% (effective) APY

If I can summarize, If one opens 3 accounts, funds them each with $5K, for a total deposit of $15K, after one year, net of fees, one can earn approx $1,800 in insured accounts? Also, the primary "catch" if you will is limited ability to make withdrawals and monthly direct deposits need to ...
by Barefootgirl
Tue Mar 10, 2015 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 163
Views: 62418

Re: From DIY to Advisor/Assistance - where is the tipping po

I think Neurosphere is starting his own business to do what he wrote about. Yes, Neurosphere is closest to the scenario I envision. I have gotten fantastic feedback here at Bogleheads - but no offense, it can be hit or miss, depending on who's online at the time, who saw the post and whether the qu...
by Barefootgirl
Tue Mar 10, 2015 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: From DIY to Advisor/Assistance - where is the tipping point?
Replies: 20
Views: 1497

Re: From DIY to Advisor/Assistance - where is the tipping po

Thank you all, for all the helpful responses. I think I'll start by looking into the VG advisory service. I chose the 5 funds based on one of the 4 fund portfolio strategies outlined in one of the BH books. It ended up being 5 versus 4 based on what was available in my 401K account = in order to arr...
by Barefootgirl
Tue Mar 10, 2015 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: From DIY to Advisor/Assistance - where is the tipping point?
Replies: 20
Views: 1497

Re: Netflix DVD delivery slowdown?

Yes, I have been aware of the link between USPS and Netflix. In the past I'd put a returned DVD in the mail box and sometime in the middle of the night, Netflix would send me a message that it had been received and they were shipping the next one. Never before have I received an email with that word...
by Barefootgirl
Mon Mar 09, 2015 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 99
Views: 14763

From DIY to Advisor/Assistance - where is the tipping point?

Currently, I manage my own portfolio, consisting of 5 index funds according to my own asset allocation, etc. The international fund is in a taxable account and the rest in tax deferred accounts. I also own some I bonds and bank CDs. The total value of my portfolio is low 7 figures. I keep reading ab...
by Barefootgirl
Mon Mar 09, 2015 6:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: From DIY to Advisor/Assistance - where is the tipping point?
Replies: 20
Views: 1497

Re: High Cost of Fruits and Vegetables

Wow, stoptothink. I don't know where you live or where you shop - but those prices are astonishingly low compared to what I've seen in the DC area - and I am not referring only to high end grocers - I am referring to all grocers.

Now you have me curious~!
by Barefootgirl
Mon Mar 09, 2015 2:48 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 6972

Re: High Cost of Fruits and Vegetables

Rather than suggesting you take up farming or sidetracking you with discussions of nutrition powders and old films, I'll attempt to respond directly to your posts. :P Most groceries now cater to working adults with pre-cut, pre-washed raw vegetables, fruits, slaws, blends, salads. In my area, these ...
by Barefootgirl
Mon Mar 09, 2015 11:57 am
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 6972

Re: Disposing of old greeting/holiday cards

It wasn't a joke in our family. The day after my grandmother's funeral, her son (my uncle) had a dumpster hauled to her door and threw it all away. It was fairly traumatic. She was neither a hoarder, nor a rat packer. He didn't even give the rest of the family a chance to weigh in... I'd say to let ...
by Barefootgirl
Sun Mar 08, 2015 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Disposing of old greeting/holiday cards
Replies: 21
Views: 1056

Re: Traits of Happiest Retirees

...agree that mental health/attitude is as important as physical health. I think the suggestion that people who retire in the city/suburbs are happier than people who retire in the country is a bit absurd. It's been my observation that retirement in the country doesn't look the same as retirement in...
by Barefootgirl
Sun Mar 08, 2015 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Traits of Happiest Retirees
Replies: 29
Views: 3887

Re: WSJ article about boosting retirement income by approx.

Here's some questions borne of my ignorance - what happens if a person dies before their mortgage is paid off and there's not enough left in the estate to pay it off? Mortgage holder writes it off as a loss and maybe they have insurance for these situations? How do lenders generally view potential h...
by Barefootgirl
Sun Mar 08, 2015 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: WSJ article about boosting retirement income by approx. 30%
Replies: 8
Views: 1744

Re: When you put some credit cards in a drawer and not use t

Seems like the rule of thumb (from what I've seen) is 18 months, more or less. FWIW, I keep a binder with plastic sleeves (the kind typically used for business cards) and keep my cards there and bring them out to play once in awhile. My version of baseball cards I guess LOL
by Barefootgirl
Sun Mar 08, 2015 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: When you put some credit cards in a drawer and not use them
Replies: 17
Views: 1863

WSJ article about boosting retirement income by approx. 30%

There's a weekend article in the WSJ by Jonathan Clements where he writes about an income strategy in retirement that will yield a nearly 30% increase (of course, individual circumstances can vary) over taking SS at age 62 and 4% withdrawals. His recommendation (particularly for those not concerned ...
by Barefootgirl
Sun Mar 08, 2015 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: WSJ article about boosting retirement income by approx. 30%
Replies: 8
Views: 1744

Re: Ethnobotany as career choice

I'm aware of at least two in the field that are well respected and chose different paths, you might be able to seek them out for career advice. One of them runs the Northeast School of Herbal Medicine in Ithaca, NY - his name is 7song, Sevensong (very approachable on Facebook). He jokes that people ...
by Barefootgirl
Sat Mar 07, 2015 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ethnobotany as career choice
Replies: 26
Views: 1961

Re: Netflix DVD delivery slowdown?

Put the DVDs in the mail on Wed AM. This morning, Sat, I got a message I have never seen before: Returning Disc Notice The Postal Service sent word that you've returned a DVD to us; so we were able to ship your next available disc sooner. We'll send you a detailed returned disc email upon receipt. M...
by Barefootgirl
Sat Mar 07, 2015 7:59 am
 
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 99
Views: 14763

Re: How do you decide when to buy car?

When I'm at my last resort: taking a cab to the dealership to buy my next one. :mrgreen:

BFG
by Barefootgirl
Fri Mar 06, 2015 7:15 am
 
Forum: Personal Consumer Issues
Topic: How do you decide when to buy car?
Replies: 50
Views: 3292

Middle Age Discounts

My partner will turn 55 this year and we're wondering what kind of discounts/benefits he can avail himself of due to this? - I've noticed some local movie and entertainment venues offering discounts to those 55+.

Any other tips?

Thanks, BFG
by Barefootgirl
Thu Mar 05, 2015 9:17 am
 
Forum: Personal Consumer Issues
Topic: Middle Age Discounts
Replies: 10
Views: 1382

Health Care in Retirement

In the decision, RE: waiting to retire to be eligible for retiree health care benefits, versus retiring earlier and using the ACA benefits.... what kinds of data and assumptions do you use in making the analysis to support your decision? Thank you - facing the same and not sure where to begin in com...
by Barefootgirl
Tue Feb 24, 2015 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Care in Retirement
Replies: 4
Views: 700

Re: What age do you guys plan to retire?

In the decision about waiting to retire to be eligible for retiree health care benefits, versus retiring earlier and using the ACA benefits.... what kinds of data and assumptions do you use in making the analysis to support your decision? Thank you - facing the same and not sure where to begin in co...
by Barefootgirl
Tue Feb 24, 2015 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8807

Re: TradingPlaces' advice on travel awards

I thought I'd spend my first bunch of points (50K) on a domestic flight (DC/Nashville round trip). US Airways website tells me that that 50K in points will get me there, but not back home. Need to spend about 90K in points for this domestic trip. Yikes, at this rate, will take a lot of bonus signs u...
by Barefootgirl
Tue Feb 24, 2015 8:24 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 190
Views: 14458

Re: What's your dream car?

Punch Buggie, no punch back
by Barefootgirl
Tue Feb 24, 2015 8:17 am
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 197
Views: 12641

Re: What is your favorite consumer product?

Starbucks espresso OXO kitchen gadgets Tignanello and Baggalini purses and bags Honda vehicles (although I do not own one at the moment) Lands End ski wear Saucony running and hiking foot wear DHC skin cleansing oil Netflix (although the love is fading) Calphalon pots and pans Life Is Good fuzzy soc...
by Barefootgirl
Fri Feb 20, 2015 11:55 am
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 174
Views: 11213

Re: Genealogy

I don't have much time to devote to this research right now (although I'd love to)....but I did get lucky. I have some distant cousins who are retired geneaology buffs. I found them on Ancestry.com - now, whenever they update the records, I get an email notification. I haven't checked lately, but th...
by Barefootgirl
Thu Feb 19, 2015 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 50
Views: 3211

Re: Help me find my friend !

Did you try Facebook? other social media?
by Barefootgirl
Thu Feb 19, 2015 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Help me find my friend !
Replies: 31
Views: 3290

Re: KissTrust--trust accounts for the middle class?

bumping to echo the earlier question - anyone have any experiencing with using this service?

Thank you....
by Barefootgirl
Thu Feb 19, 2015 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: KissTrust--trust accounts for the middle class?
Replies: 31
Views: 15067

Re: Netflix DVD delivery slowdown?

As of a couple months ago, I started noticing a 2 day turn around vs. 1 day as before. This is unfortunate, as the 1 day turn around was one of their best features.
by Barefootgirl
Fri Jan 23, 2015 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 99
Views: 14763

Re: What Book Are You Currently Reading? Part VI

Interesting discussion. I guess when folks are seeking leniency with respect to forum guidelines, they know which thread to comment on! LOL
by Barefootgirl
Fri Jan 23, 2015 11:52 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 550
Views: 76171

Re: Side jobs or hobbies that make you money

The oldest profession can be very lucrative, but the downsides should not be underscored.

BFG
by Barefootgirl
Thu Nov 20, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 127
Views: 19565

Re: Side jobs or hobbies that make you money

I most appreciate the ideas where the amount earned/amount saved is very favorable compared to the expenditure of time. i think Rodney Dangerfield referred to this concept as "Easy Money". I learned this week that my employer is offering an option of time off in lieu of a year end bonus......
by Barefootgirl
Thu Nov 20, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 127
Views: 19565

Excess Contributions

Somehow, there's been a miscalculation, likely due to an unexpected bonus payment and it appears I will have excess contributions to both my HSA and TSP accounts for 2014. There is a very slim chance I could prevent this, but our payroll office is unbelievably slow in adjusting deductions, so it's m...
by Barefootgirl
Thu Nov 20, 2014 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess Contributions
Replies: 1
Views: 309

Re: Extreme Generosity / Limiting Net Worth

Very interesting thread. Having grown up somewhere near the poverty line, the fine point between enough and excess has always been a curious subject for me. While I am comfortable with my level of giving, I also feel somehow that my wealth accumulation is not for accumulation's sake, but rather as a...
by Barefootgirl
Tue Nov 18, 2014 6:02 am
 
Forum: Personal Consumer Issues
Topic: Extreme Generosity / Limiting Net Worth
Replies: 113
Views: 23527

Re: Life purpose revisited

I think the purpose of all living things is to procreate (whether we end up doing it or not), and die. I really don't think we're here for any reason beyond that.

The meaning of life is something entirely different and unique to each of us.

BFG
by Barefootgirl
Sun Nov 09, 2014 3:20 pm
 
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 10683

Travelling Companions or small groups

I've reached an interesting position where my friends and family members don't have as many resources to travel as I do..in some cases, I can foot the bill for another or other(s) (like my kids)...in other cases, my tastes in travel run farther, wider and deeper than theirs. Looks like I need to fin...
by Barefootgirl
Sun Nov 09, 2014 7:02 am
 
Forum: Personal Consumer Issues
Topic: Travelling Companions or small groups
Replies: 32
Views: 3012

Re: Bogleheads.org equivalents for other areas of life?

You may want to delete your post before it's deleted for you. Nutritional forums not allowed to be mentioned.

BFG
by Barefootgirl
Tue Oct 28, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 8383
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