Search found 1825 matches

by Barefootgirl
Tue Jan 17, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Nespresso Inissia Espresso Maker? (or similar)
Replies: 29
Views: 1502

Re: Nespresso Inissia Espresso Maker? (or similar)

Thanks all. Looks like I need to investigate the difference between the Pixie and the Inissia.

I don't need anything more expensive or complicated at this point - all of my belongings are headed into storage in a year or so while I am mobile. Until then, I have no decent coffee shops close by.
by Barefootgirl
Sun Jan 15, 2017 6:48 pm
Forum: Personal Consumer Issues
Topic: Nespresso Inissia Espresso Maker? (or similar)
Replies: 29
Views: 1502

Nespresso Inissia Espresso Maker? (or similar)

I've been looking at this ever since I tried a honey cardamom latte at a coffee shop in Florida a couple weeks ago. I am really wondering if it can make a decent espresso at home without too much hassle?

Have any of you tried a machine like this (or a similar unit?) ?

thanks
by Barefootgirl
Sun Jan 15, 2017 5:24 pm
Forum: Investing - Theory, News & General
Topic: Retired, expenses covered but still growing portfolio, why?
Replies: 46
Views: 4266

Re: Retired, expenses covered but still growing portfolio, why?

FWIW, I was recently discussing this very topic with an estate planning attorney who does pro bono work for the elderly. He said the most common scenario in the later years of life is for medical expenses to begin to gobbling up the remaining portfolio, which usually ends with the person entering so...
by Barefootgirl
Sun Jan 15, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: New Ameritrade Client Rewards CC?
Replies: 1
Views: 138

New Ameritrade Client Rewards CC?

I currently use the Fidelity 2% Visa for everyday general purpose purchases. I just received an offer from Ameritrade for a Visa that pays 1.5% on all purchases, no limits, no caps and offers a 10% bonus if I redeem the cash rewards directly back into my Ameritrade account. Although I only redeem th...
by Barefootgirl
Sun Jan 15, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 8884

Re: How much do you typically spend in a restaurant?

Travel has shown me American restaurant food portions are outsized (it wasn't just my stomach telling me that). I enjoy quality and well prepared ingredients, so I tend to bring food home for the next day as well. One thing interesting - I have an excellent Taiwanese restaurant close to home. Their ...
by Barefootgirl
Thu Jan 12, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: Best Ways to Buy Time
Replies: 68
Views: 7004

Re: Best Ways to Buy Time

I buy time by trying to live as simply as possible.
by Barefootgirl
Thu Jan 12, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 8884

Re: How much do you typically spend in a restaurant?

5% from U-Promise, and 7% from Yelp.


Do you mind providing some more details on these programs and how someone could join them?
by Barefootgirl
Tue Jan 10, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 191
Views: 22484

Re: Chase Sapphire Reserve

There are no Chase branches in my state, so while out of state over the holidays, I stopped at a branch in that area. I walked out 3 hours later, no CSR approval. They spent 2.5 hours trying to sell me on the concept of having Chase as my bank of choice, but in the end, couldn't convince "Lendi...
by Barefootgirl
Mon Jan 02, 2017 9:55 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 26726

Re: Whats your number to walk away?

My walk away number is 2 million which would let me be FI from any changes to / elimination of SS. Maybe this is a silly question, but at 60 years of age, if there are any significant changes or elimination of SS, you don't expect to be grandfathered? I mean, you have presumably been pre-paying for...
by Barefootgirl
Mon Jan 02, 2017 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Plans and Tax Deferred investing - references
Replies: 25
Views: 1466

Re: Retirement Plans and Tax Deferred investing - references

FERS has some important differences. The annuity calculation is 1% times years of service times high-3 salary if you're under 62, but 1.1% times YOS times high-3 if you're 62 with 20+ YOS. That means a person with 35 YOS at age 61 gets 35%, but delaying one more year gets them 39.6%. That last year...
by Barefootgirl
Mon Jan 02, 2017 8:14 am
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting - Is it worth it?
Replies: 85
Views: 5254

Re: Tax Loss Harvesting - Is it worth it?

Both Wealthfront and Betterment recently added tracking of external accounts. I expect they will proceed to use that information to implement automated wash sale avoidance. This could create interesting feedback loops if more than one account is trying to implement TLH with the same sets of securit...
by Barefootgirl
Sun Jan 01, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Plans and Tax Deferred investing - references
Replies: 25
Views: 1466

Re: Retirement Plans and Tax Deferred investing - references

Yes, FERS. ...appreciate the additional feedback as there always seem to be twists and turns, some not always covered in the Wiki, or these "general audience books or blogs"....and threads are hit or miss until hopefully you've read enough of them - and depending on the topic, that could b...
by Barefootgirl
Sat Dec 31, 2016 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Delayed Gratification In Life & its fallacies
Replies: 56
Views: 5709

Re: Delayed Gratification In Life & its fallacies

The past has already occurred and while one may have fond memories of their experiences, those experiences are now over and will fade away in time. This may be a philosophical issue, but I would argue that in my case, memories are the stuff that make up a life - past and present memories still in t...
by Barefootgirl
Sat Dec 31, 2016 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Plans and Tax Deferred investing - references
Replies: 25
Views: 1466

Re: Retirement Plans and Tax Deferred investing - references

Off hand they minimize or eliminate RMDs after 70.5. If you do them in zero income years you would enhance the advantages. And of course even in your 50s you would expect to receive a few decades of tax free returns from the investments you converted. Ok, now we're getting somewhere - thank you for...
by Barefootgirl
Sat Dec 31, 2016 8:46 am
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting - Is it worth it?
Replies: 85
Views: 5254

Re: Tax Loss Harvesting - Is it worth it?

A few followup questions: 1. Thoughts on using a Roboadvisor with TLH like Betterment's? I think it might be a bit more effective than doing it manually, but you still need to pay attention to wash sales and track all your accounts across different brokers (company 401k and taxable investments with...
by Barefootgirl
Sat Dec 31, 2016 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Delayed Gratification In Life & its fallacies
Replies: 56
Views: 5709

Re: Delayed Gratification In Life & its fallacies

Here's one more story to throw on the pile - In my 20s, I blew every single dollar I earned and more! *and I had a great time!!*....all of this was before I had a mortgage, a marriage and a child, so those expenditures allowed me to have experiences I would never have had the *time* for later. Durin...
by Barefootgirl
Fri Dec 30, 2016 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Plans and Tax Deferred investing - references
Replies: 25
Views: 1466

Re: Retirement Plans and Tax Deferred investing - references

I can't predict what these will be in the future so I just have a balance of pre, after, and Roth accounts that I will will deploy in the future for the most efficient tax payments. Fair enough, but somewhere along the line, you must have picked up the necessary advice or info to develop this strat...
by Barefootgirl
Fri Dec 30, 2016 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Plans and Tax Deferred investing - references
Replies: 25
Views: 1466

Re: Retirement Plans and Tax Deferred investing - references

Here's one simple (or not?) question that I keep coming back to:

Do Roth IRA conversions hold any advantages for older IRA owners (say in their 50s), regardless of any benefits to future generations?
by Barefootgirl
Fri Dec 30, 2016 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Plans and Tax Deferred investing - references
Replies: 25
Views: 1466

Re: Retirement Plans and Tax Deferred investing - references

Hi Dale, thanks, I appreciate that and should add that the Wiki is helpful, but like Wiki everywhere, pretty much limited to an overview of various topics. I can narrow my current needs to a better understanding of: IRAs: all types & variations, rules, policy, considerations to be made, tax impl...
by Barefootgirl
Thu Dec 29, 2016 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Plans and Tax Deferred investing - references
Replies: 25
Views: 1466

Re: Retirement Plans and Tax Deferred investing - references

The IRS guides are long on policy, short on advice and tips. Thanks
by Barefootgirl
Thu Dec 29, 2016 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Plans and Tax Deferred investing - references
Replies: 25
Views: 1466

Retirement Plans and Tax Deferred investing - references

Some of the links in the Wiki references are either out of date and/or lead to an article or research report that no longer appears where it used it to be. I need to do further study on this topic and need more information than can be provided by a single chapter in a book on retirement planning. I ...
by Barefootgirl
Thu Dec 29, 2016 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth/Roth Conversions/etc.
Replies: 4
Views: 361

Re: Backdoor Roth/Roth Conversions/etc.

I've been maxing out my employer's 401k (TSP for federal employees)

and my HSA and I have been maxing out my personal Roth.

I do not have any other IRAs or targeted retirement accounts, my other accounts are taxable.
by Barefootgirl
Thu Dec 29, 2016 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth/Roth Conversions/etc.
Replies: 4
Views: 361

Re: Backdoor Roth/Roth Conversions/etc.

Ah ok, thanks - the contributions need to be made via W2 income... could make it worthwhile to do a little side consulting work, maybe lol. But until retirement, sounds like I will piling up in a Traditional IRA. In James Lange's book about Roth IRAs, he mentions converting "other retirement pl...
by Barefootgirl
Thu Dec 29, 2016 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth/Roth Conversions/etc.
Replies: 4
Views: 361

Backdoor Roth/Roth Conversions/etc.

Since my annual income is now reaching the point where I will be precluded from adding more money to my existing Roth account, I've been doing a lot of reading over the holidays on this topic, but still trying to get my head around it...and yes I have read the Wiki. I would really appreciate anyone ...
by Barefootgirl
Thu Dec 29, 2016 10:07 am
Forum: Personal Consumer Issues
Topic: Elective Procedures/Dental Work outside the US - $/quality
Replies: 11
Views: 678

Re: Elective Procedures/Dental Work outside the US - $/quality

There are numerous countries outside of the U.S. and the cost and quality vary greatly.


I know, that's why I wrote this post

How far are you willing to travel and how comfortable are you living in another country?


Depends on the answers I get in this post, along with my own research.
by Barefootgirl
Thu Dec 29, 2016 9:03 am
Forum: Personal Consumer Issues
Topic: Decent quality reading glasses
Replies: 21
Views: 1722

Re: Decent quality reading glasses

www.readers.com - have had very good luck with price and quality.
by Barefootgirl
Thu Dec 29, 2016 9:01 am
Forum: Personal Consumer Issues
Topic: Elective Procedures/Dental Work outside the US - $/quality
Replies: 11
Views: 678

Elective Procedures/Dental Work outside the US - $/quality

I have health & dental insurance, but once the premiums, benefits & total costs are all factored, the coverage is limited in specific categories. That said, I am interested in having elective work and dental work done outside the US. I suspect on a direct pay basis, I can end up paying less,...
by Barefootgirl
Wed Dec 28, 2016 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Mix of available retirement accounts question
Replies: 3
Views: 481

Mix of available retirement accounts question

I have a 401k (TSP, actually) through my employer - the federal government, as well as an HSA tied to my employment. I also have a Roth IRA. Under what circumstances would it be favorable for me to consider the Roth TSP also offered by the government? I've read up on these, but still not clear as to...
by Barefootgirl
Mon Dec 26, 2016 12:45 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 306
Views: 28611

Re: Flaunt Your High-Mileage Car

I'll try the contrarian route by flaunting my low mileage car. I bought a new Toyota in 2013. Soon after, my employer went to a mostly telework schedule. In spite of a couple long distance road trips, I'm coming up on 17K miles after 3.5 years of use. I hope when I go to sell, the low mileage will h...
by Barefootgirl
Thu Dec 22, 2016 9:54 pm
Forum: Personal Consumer Issues
Topic: Rental Car, best options
Replies: 17
Views: 1416

Re: Rental Car, best options

I have an Amex Platinum and Chase Sapphire Preferred (no Reserve yet) - I think both of those offer primary insurance as well. Not sure about my Citi Thank You Premier (I need to check it) Citi Aadvantage Red Aviator which I am using to get free checked bags. Various cash back, hotel and airline car...
by Barefootgirl
Thu Dec 22, 2016 8:25 pm
Forum: Personal Consumer Issues
Topic: Rental Car, best options
Replies: 17
Views: 1416

Re: Rental Car, best options

I have a lot of credit cards. I can go through them individually, but also know the BH community comprises several travel hacking wizards that can cut to the chase with best options, give and take you know.
by Barefootgirl
Thu Dec 22, 2016 8:18 pm
Forum: Personal Consumer Issues
Topic: Rental Car, best options
Replies: 17
Views: 1416

Rental Car, best options

I rarely rent autos, but will be picking one up in the coming week, for 10 days via National Rental Car. I noticed that approximately 40% of the overall price involves locality fees and surcharges (yikes, Florida, go figure). Can anyone suggest the best credit card to use to pay for the car that mig...
by Barefootgirl
Mon Dec 19, 2016 10:15 pm
Forum: Personal Consumer Issues
Topic: Can I get a little house or townhouse for under $400K in Maryland or Virginia?
Replies: 112
Views: 9776

Re: Can I get a little house or townhouse for under $400K in Maryland or Virginia?

I think your decision to rent is a good one. My opinion is that it's really difficult to get a bead on a place like this until you've actually lived here awhile. It has its pluses, but over the years I am finding far more negatives, so I am chomping at the bit to bolt out of here....so I am biased a...
by Barefootgirl
Mon Dec 19, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Coach bag for wife - how to buy
Replies: 73
Views: 5130

Re: Coach bag for wife - how to buy

If it's a current style, they almost always sell for full retail price. The only time I've seen discounted Coach bags is when they are clearing out old inventory to make way for new styles. The only other option is try to Macys, Nordstrom, etc. They often have percentage discount sales, just double-...
by Barefootgirl
Sun Dec 18, 2016 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Federal Pension Question
Replies: 3
Views: 561

Federal Pension Question

I was skimming through older advice columns on FedSmith from 2011 and saw a poster make mention of making "additional contributions to OPM to boost his federal pension". There was no further discussion beyond that one statement. In a few years, I will have 10 years with the feds and will q...
by Barefootgirl
Sun Dec 18, 2016 7:51 am
Forum: Investing - Help with Personal Investments
Topic: TSP Plan question
Replies: 5
Views: 567

TSP Plan question

I am about 2.5 years away from retirement. During this most recent market run up, I have been rebalancing from equity funds in my TSP into the G Fund. Is there any compelling reason to consider the F Fund? Since I hold my international funds at Vanguard, the only other TSP funds I have invested in a...
by Barefootgirl
Sun Dec 18, 2016 7:07 am
Forum: Personal Consumer Issues
Topic: How will you tip this Christmas?
Replies: 51
Views: 4249

Re: How will you tip this Christmas?

I expect the female waiter would get topped more.


Freudian slip?
by Barefootgirl
Sun Dec 18, 2016 5:40 am
Forum: Personal Consumer Issues
Topic: How will you tip this Christmas?
Replies: 51
Views: 4249

Re: How will you tip this Christmas?

In the past, I haven't had an issue with tipping for service, but I've witnessed creeping expectations over the past couple years (tips for people I never see, have no idea what they are doing for the tip and suspect part of it goes to the company they work for :( ), enough said on that... I was jus...
by Barefootgirl
Fri Dec 16, 2016 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: If and how to bring up inappropriate conduct of former boss?
Replies: 60
Views: 4489

Re: If and how to bring up inappropriate conduct of former boss?

I don't see anything specific that is reportable. Your description is vague as to what is wrong Perhaps I was reading between the lines, but I can understand why a poster writing in a public forum would want to be deliberately vague on a topic like this. A hypothetical worst case scenario on these ...
by Barefootgirl
Fri Dec 16, 2016 4:37 am
Forum: Personal Finance (Not Investing)
Topic: If and how to bring up inappropriate conduct of former boss?
Replies: 60
Views: 4489

Re: If and how to bring up inappropriate conduct of former boss?

There was a time in corporate America (generally speaking) that most organizations were proud to stand behind ethics and provided a means by which such information could be safely or anonymously reported. It's my view and experience, and others may disagree, that there's been an erosion to the point...
by Barefootgirl
Thu Dec 15, 2016 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting Job to Start a Business
Replies: 44
Views: 3364

Re: Quitting Job to Start a Business

Has anyone here taken a huge risk like this? Quitting your job with no backup plan other than make it or break it in your business? This isn't something we can do on the side part time initially, it has to be all in from the start. Yes, several times in my life. Progressively, each time I took a hu...
by Barefootgirl
Thu Dec 15, 2016 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Financial Stress
Replies: 38
Views: 6273

Re: Financial Stress

slight side-track: 80% of my co-worker was laid off across 5 1/2 years. We had 5% to 10% quarterly laid off. After 5 1/2 years of this, I was happy and relieved when it was time for me to go. Over the past 10+ years, I went through many rounds of laid off of my ex-employers. The worst year was quart...
by Barefootgirl
Wed Dec 14, 2016 3:14 am
Forum: Personal Finance (Not Investing)
Topic: Current Market rally
Replies: 61
Views: 7683

Re: Current Market rally

Less than 3 years to go until retirement, so I decided this week was as good a time a time as any to rebalance some toward a more conservative allocation. Have no idea whether it will turn out to be good or bad timing on that. I re-allocated within my government TSP, so no tax trigger, regardless.
by Barefootgirl
Mon Dec 12, 2016 5:31 pm
Forum: Personal Consumer Issues
Topic: Automated Vacuums - time savings?
Replies: 9
Views: 1048

Automated Vacuums - time savings?

I've been debating for awhile now as to whether one of those Roomba units or their competitors, might be a good purchase for me. My main objective in buying one is the time savings - so I'm wondering if they do indeed save time? I tend to vacuum about once or twice per week - @ 25 minutes per sessio...
by Barefootgirl
Sat Dec 10, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: AppleCare?
Replies: 22
Views: 2037

Re: AppleCare?

Prices of electronics usually fall so typically the replacement cost will be less.


I haven't noticed that with Apple products...
by Barefootgirl
Sat Dec 10, 2016 6:37 am
Forum: Personal Consumer Issues
Topic: Protective & Carrying Cases for MacBook Air
Replies: 7
Views: 280

Re: Protective & Carrying Cases for MacBook Air

Interestingly, whenever I've taken it back to Apple for repair, they inspect the machine with a fine tooth comb. I ask what they're looking for and they always say "scratches" (no matter that the issue was with the software)..... I wonder if "wear and tear" is something they cons...
by Barefootgirl
Sat Dec 10, 2016 6:35 am
Forum: Personal Consumer Issues
Topic: AppleCare?
Replies: 22
Views: 2037

Re: AppleCare?

You would essentially be paying $250 to insure a computer worth less than $500. Pretty big bet that your issue will occur in year 3.


but the replacement cost would be much higher, no?
by Barefootgirl
Sat Dec 10, 2016 6:28 am
Forum: Personal Consumer Issues
Topic: Protective & Carrying Cases for MacBook Air
Replies: 7
Views: 280

Protective & Carrying Cases for MacBook Air

I expect to be traveling quite a bit with my MacBook Air in the near future. I've been looking at the various protective cases on Amazon, looks like they get mixed reviews. My last one was hard shell plastic - it fit well, but the plastic started cracking within only a couple months. Additionally, I...
by Barefootgirl
Sun Dec 04, 2016 4:48 pm
Forum: Personal Consumer Issues
Topic: Relocation to Asheville, NC
Replies: 14
Views: 1782

Relocation to Asheville, NC

I have a friend who is considering relocating to Asheville NC from Detroit as part of his early retirement. He views it as a different lifestyle. For any Bogleheads who live there or who've spent an appreciable amount of time there, if you have any comments - pros, cons, etc. to share, would appreci...

Go to advanced search