Search found 1963 matches

by Barefootgirl
Thu Apr 27, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Time and Materials Vs. Flat Bid
Replies: 5
Views: 250

Re: Time and Materials Vs. Flat Bid

In your experience when does it make sense to go the route of either time and materials versus a flat bid with a contractor? When the overall schedule & requirements are well known and funds are allotted, I would go with a fixed price. If requirements and/or schedule are not well known or are v...
by Barefootgirl
Thu Apr 27, 2017 4:34 am
Forum: Personal Consumer Issues
Topic: Becoming a homeowner/landlord in a college town?
Replies: 40
Views: 3396

Re: Becoming a homeowner/landlord in a college town?

Landlords make out like bandits renting to students because they can command exorbitant rents packing a lot of people into one house paid for out of daddy's wallet and they can get by with a minimal level of appointments, facilities, repair, etc. Believe me very few of these people are angels, espe...
by Barefootgirl
Wed Apr 26, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Becoming a homeowner/landlord in a college town?
Replies: 40
Views: 3396

Re: Becoming a homeowner/landlord in a college town?

I've read all of the responses and the points are well-taken. The good news for me is that I have a lot of flexibility in what I ultimately decide to do. Nevertheless, I am scratching my head a bit. Based on the responses, I have to wonder who all these angels are around the US, everywhere, thousand...
by Barefootgirl
Tue Apr 25, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: Becoming a homeowner/landlord in a college town?
Replies: 40
Views: 3396

Re: Becoming a homeowner/landlord in a college town?

And land was very very cheap where I went to school. This is the case in this location as well. Also fairly decent skiing nearby. It's quite close to the Baseball Hall of Fame as well...certain events there put lodging in high demand during the summer months. Additionally, though not as popular, th...
by Barefootgirl
Mon Apr 24, 2017 10:58 pm
Forum: Personal Consumer Issues
Topic: Becoming a homeowner/landlord in a college town?
Replies: 40
Views: 3396

Re: Becoming a homeowner/landlord in a college town?

I actually love the idea of retiring at least part time to a good college town. But I wouldn't rent the house to college students. Instead, I'd explore the following (in no particular order): 1. Rent yourself over the summer (you might even be able to find a professor who is going on sabbatical to ...
by Barefootgirl
Mon Apr 24, 2017 7:55 am
Forum: Personal Consumer Issues
Topic: Becoming a homeowner/landlord in a college town?
Replies: 40
Views: 3396

Re: Becoming a homeowner/landlord in a college town?

In my experience, renting to college students is much more profitable than renting to the general public. That being said, if/when you turn it into a summer home, you'll probably need to renovate it back to your presumably higher standards. I would not rent out a high-end nice place to students. Th...
by Barefootgirl
Sun Apr 23, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Becoming a homeowner/landlord in a college town?
Replies: 40
Views: 3396

Becoming a homeowner/landlord in a college town?

I'm tossing around ideas for a summer home in the Northern US. The area that interests me the most is a rural college town, actually a two college town.. I'm in a transition period where I expect to retire early and be mobile and rent homes while travelling and eventually settle down to two homes......
by Barefootgirl
Sun Apr 23, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 168
Views: 17681

Re: Any regrets living a frugal life for high income/high networth individuals?

Just a few years older than the OP and catch myself now from time to time, questioning whether the price has been worth the cost. Those thoughts are having a direct influence right now as I decide how to use my resources...time, energy & money, perhaps differently than in the past. Balance is al...
by Barefootgirl
Mon Apr 17, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Quick Soc. Sec Estimate Question
Replies: 7
Views: 486

Re: Quick Soc. Sec Estimate Question

Thank you for the responses. It was also curious to me because I wasn't sure whether it made a difference if a person already had the required minimum number of years of earnings behind them for the purposes of averaging? I believe it is 35 years of earnings.
by Barefootgirl
Mon Apr 17, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Hearing Aid Benefits
Replies: 24
Views: 1737

Re: Hearing Aid Benefits

For financial assistance, perhaps a go-fund-me account?

Appreciate the suggestion...where we come from, community charity tends to be reserved for emergencies.
by Barefootgirl
Mon Apr 17, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Quick Soc. Sec Estimate Question
Replies: 7
Views: 486

Quick Soc. Sec Estimate Question

When I log into my Soc Security account, it shows the predicted monthly payments at ages 62 (early), 67 (full) and 70 (finally lol) Beneath these estimates, appears the following statement: Your estimates are based on the assumption that you will earn $1XX,XXX a year from now until retirement. For t...
by Barefootgirl
Thu Apr 13, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Paying Tax Bill with Credit Card
Replies: 9
Views: 733

Re: Paying Tax Bill with Credit Card

Thank you for the link, some valuable tips buried in that thread.

The card idea is interesting, except I wonder if I would remember to make them all on time. I tend to forget taxes after April. I'd have to send myself a bill, lol.
by Barefootgirl
Thu Apr 13, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Paying Tax Bill with Credit Card
Replies: 9
Views: 733

Re: Paying Tax Bill with Credit Card

Actually, you guys are right, by using a points earning card, I would net a bit more than $1.30

Now....to decide which card...probably one of my Chase or Amex cards.
by Barefootgirl
Thu Apr 13, 2017 8:16 am
Forum: Personal Consumer Issues
Topic: Working without an office - Strategy
Replies: 29
Views: 1740

Re: Working without an office - Strategy

Do they give a reason why you cannot work from home? this seems bizarre to me. I too, labor in the public sector as a full time teleworker. I work from home, except for the 1 day in the office, hotelling. A couple times, my internet service at home has dropped, so I left home to go work at Starbucks...
by Barefootgirl
Thu Apr 13, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Paying Tax Bill with Credit Card
Replies: 9
Views: 733

Paying Tax Bill with Credit Card

I end up owing about $1K in taxes this year and I'm planning to file over the next day or so. I have the Fidelity Elan card that pays 2% and I believe the lowest fee to pay by CC is 1.87%, not a big deal, through pay1040.com (and come to think of it I am using Turbotax online, so I can't remember wh...
by Barefootgirl
Tue Apr 11, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: You can never go "home" - retirement
Replies: 85
Views: 12188

Re: You can never go "home" - retirement

I understand exactly how you feel. In a world where so much has changed, the area I grew up remains like a time capsule. It's comforting in a certain way. It is also rural and in the cold north and surrounded by mountains and lakes (and wineries!) lol. I could only see myself living there in the sum...
by Barefootgirl
Mon Apr 10, 2017 6:05 am
Forum: Personal Consumer Issues
Topic: Cell Plan based on an atypical use pattern
Replies: 20
Views: 940

Cell Plan based on an atypical use pattern

I consider myself to be a low user of cell service. I have a home office, so mostly during the week, I am using a landline packaged with my ISP provider, Verizon. Occasional texting at night, sending or responding to quick messages. This is about 90% of my pattern. Nevertheless, when I am away from ...
by Barefootgirl
Sun Apr 09, 2017 6:52 am
Forum: Investing - Theory, News & General
Topic: How to TLH in Real LIfe
Replies: 38
Views: 2709

Re: How to TLH in Real LIfe

It depends on your income.


My income precludes me from a deduction for this.

Deductions seem to be designed for the people who need them least or are least able to take advantage of them. Those who would need or desire them the most are shut out.

It's all a scam ;)
by Barefootgirl
Sun Apr 09, 2017 6:48 am
Forum: Personal Consumer Issues
Topic: Book Indexing
Replies: 3
Views: 437

Book Indexing

I have a friend seeking a second career, something far less stressful and far less strenuous. She is an avid reader and library lover. I once heard about people who get paid to index scripts. book drafts. I found the professional org, looks like training is available, but one must hone their skills....
by Barefootgirl
Sat Apr 08, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: High Income earners, whats your Tax Strategy?
Replies: 113
Views: 10254

Re: High Income earners, whats your Tax Strategy?

It was never so painful for me as it was when two high earners marry....the tax penalty was irrational.

So my only tip for high earners is to couple but without a state sanction. lol
by Barefootgirl
Sat Apr 08, 2017 9:53 pm
Forum: Investing - Theory, News & General
Topic: How to TLH in Real LIfe
Replies: 38
Views: 2709

Re: How to TLH in Real LIfe

How are you contributing to an HSA and an FSA?
I thought it was either one or the other.


Maybe I have my acronyms confused. I am contributing to both an HSA and Healthcare Reimbursement Account, both offered by my employer.
by Barefootgirl
Sat Apr 08, 2017 7:27 pm
Forum: Investing - Theory, News & General
Topic: How to TLH in Real LIfe
Replies: 38
Views: 2709

Re: How to TLH in Real LIfe

If so and you don't have any wash sale then sell and buy an appropriate fund that is similar.


Do you know if there is a list anywhere of fund pairs deemed similar enough to meet the test?
by Barefootgirl
Sat Apr 08, 2017 7:26 pm
Forum: Investing - Theory, News & General
Topic: How to TLH in Real LIfe
Replies: 38
Views: 2709

Re: How to TLH in Real LIfe

Can you do a Traditional IRA to lower your income??


I don't believe I qualify since my employer offers the 401K and I contribute to it.

I could still contribute to a TIRA, but it would not be deductible in that case (due to the 401k)
by Barefootgirl
Sat Apr 08, 2017 7:24 pm
Forum: Investing - Theory, News & General
Topic: one last stupid question [What are "cash equivalents"?]
Replies: 44
Views: 4147

Re: one last stupid question [What are "cash equivalents"?]

cash equivalents = money orders = loaded gift cards (Visa, Amex, etc.) and anything that can be exchanged for cash...
by Barefootgirl
Sat Apr 08, 2017 7:23 pm
Forum: Investing - Theory, News & General
Topic: How to TLH in Real LIfe
Replies: 38
Views: 2709

Re: How to TLH in Real LIfe

I am maxing my 401K plus Catch Up contributions plus full HSA and an FSA....still need to get lower...
by Barefootgirl
Sat Apr 08, 2017 6:21 pm
Forum: Investing - Theory, News & General
Topic: How to TLH in Real LIfe
Replies: 38
Views: 2709

How to TLH in Real LIfe

Ok, so the subject line is meant to be a half hearted joke, but I am feeling the pain. Since my income and expense situation for 2016 so closely tracked to 2015, I expected to come out the same, about even. Instead, for 2016, I end up owing about $1K. I went back to analyze both years. It seems the ...
by Barefootgirl
Sat Apr 08, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 82
Views: 8967

Re: Designing Your Life

Yes, thank you for the link. I like the idea of tools that help give shape and action to dreams & goals, but I have to be very, very careful with this. So much of my education and career was mapped out towards a goal, that the goal became to un-goal, un-design, to allow free flow...in many ways,...
by Barefootgirl
Fri Apr 07, 2017 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23523

Re: Low-earners- What is your profession?

It's an interesting thread for sure, but fairly meaningless since compensation is so closely linked to locality. Without locality data= meaningless.
by Barefootgirl
Fri Apr 07, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: Help on how to spend more on myself (First World Whine)
Replies: 93
Views: 5296

Re: Help on how to spend more on myself (First World Whine)

Life gives us three resources - time, energy (health) and money. Maybe this is a fixation on only one of those resources. Some self examination in this context might help you focus on how to best use the resources for your maximum contentment/fulfillment.

Good luck.
by Barefootgirl
Fri Apr 07, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Keurig Coffee Makers
Replies: 57
Views: 5577

Re: Keurig Coffee Makers

Maybe when I retire, I will have more time to fuss, but I get disappointed by the inconsistency between cups even when I try my best (buy fresh, grind fresh, filtered water, etc.) If I can find a consistent cup that offers the same quality from cup to cup (does not have to be the highest quality, go...
by Barefootgirl
Fri Apr 07, 2017 6:40 am
Forum: Personal Consumer Issues
Topic: Nespresso capsules
Replies: 30
Views: 2444

Re: Nespresso capsules

Does anyone know of another forum or websites that rates the capsules and their knock off competitors?
by Barefootgirl
Tue Apr 04, 2017 11:52 am
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 5625

Re: Early retirees - how did you inform your loved ones and friends?

Since I'm not far away from my deadline and it will require some downsizing, unpacking, etc. Lately, those events have been occupying my time, so when people call to chat, that's the news I discuss. Mixed reactions: - A dear friend whose past health problems will prevent her from retiring before age...
by Barefootgirl
Mon Apr 03, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23523

Re: Low-earners- What is your profession?

It is like crawling uphill over crushed glass. I've known that feeling. It may come across as smug sometimes, but I have often felt that what sets me apart from others who have less is they've had different priorities or chose not to make the same sacrifices. I'm fairly convinced that what keeps a ...
by Barefootgirl
Mon Apr 03, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23523

Re: Low-earners- What is your profession?

I regularly see mention in these threads of how Americans out earn the citizens of many other countries in the world, with the implication that we should somehow be grateful for that. Bogleheads know income is only one side of the equation. When I stop seeing media reports of how U.S. citizens pay m...
by Barefootgirl
Mon Apr 03, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: Nespresso capsules
Replies: 30
Views: 2444

Re: Nespresso capsules

Thank you, I will try that in the AM.
by Barefootgirl
Mon Apr 03, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: Nespresso capsules
Replies: 30
Views: 2444

Re: Nespresso capsules

I am getting so hooked on this, I am tempted to go above and beyond just espresso and see about making regular coffee with it. It's far simpler than all the steps in my pourover method. I have a cup of coffee in the AM and an espresso after dinner. Would one of the Longo capsules approximate a cup o...
by Barefootgirl
Mon Apr 03, 2017 8:39 pm
Forum: Personal Consumer Issues
Topic: Temp Commute/Pennsylvania to DC
Replies: 23
Views: 1709

Re: Temp Commute/Pennsylvania to DC

I think the Greenbelt/Gaithersburg/Wilmington options might be worth looking into a little further - also need to check the Amtrak Schedule. Last night she mentioned getting a studio in Baltimore and taking the Penn Line into DC on the days in the month that she has to go in. Seems that Baltimore - ...
by Barefootgirl
Mon Apr 03, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: Nespresso capsules
Replies: 30
Views: 2444

Re: Nespresso capsules

by Barefootgirl
Sun Apr 02, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: World Cruises
Replies: 7
Views: 916

World Cruises

For awhile now, I've been browsing on and off for world cruises - favoring those that stop at exotic locations not otherwise easy to get to without separate and more expensive multiple trips - for example, locations in the South Pacific. I realize that port stops aren't going to offer a comprehensiv...
by Barefootgirl
Sun Apr 02, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning Today Course
Replies: 16
Views: 1320

Re: Retirement Planning Today Course

Matchstick Men?
by Barefootgirl
Sun Apr 02, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Temp Commute/Pennsylvania to DC
Replies: 23
Views: 1709

Re: Temp Commute/Pennsylvania to DC

I am sympathetic to her desire not to have to back track into DC after already arriving from Pennsylvania - this area is tough enough.

Makes me wonder about Laurel or Columbia though...similar idea - thank you.
by Barefootgirl
Sun Apr 02, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Temp Commute/Pennsylvania to DC
Replies: 23
Views: 1709

Temp Commute/Pennsylvania to DC

A longtime friend of mine has been offered a can't-refuse job in DC for a one year assignment. She will be working near the White House. She currently lives in Scranton, PA and does not want to give up her home there. The rub is that this job will only require her to be physically present 5-7 days p...
by Barefootgirl
Sun Apr 02, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Nespresso capsules
Replies: 30
Views: 2444

Re: Nespresso capsules

I like Arpeggio and Roma the best - so far, lol.
by Barefootgirl
Sun Apr 02, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Nespresso capsules
Replies: 30
Views: 2444

Nespresso capsules

I've nearly given up my daily Starbucks habit since learning about the Nespresso Inissia and Aeroccino here. For me, it's really the Aeroccino - that warmed foamy milk makes a great delivery system for calcium (Ha!) who am I kidding? I just love a nightly cappuccino - keeps me from having cravings f...
by Barefootgirl
Sun Apr 02, 2017 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning Today Course
Replies: 16
Views: 1320

Retirement Planning Today Course

A local college is offering this course - looks like it's offered nationwide at many schools/colleges. I am interested in registering, wondering whether it might offer enough new information outside what we typically can learn on our own (although I confess, there never seems to be enough time to st...
by Barefootgirl
Fri Mar 31, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employment Question
Replies: 3
Views: 426

Re: Federal Employment Question

Thank you, this really sheds a lot of light on a topic I am not familiar with at all. I have been interested in moving to the same position I have now, but with a different agency, so that's another way of answering the same question. If the other agency will no longer have open positions, the door ...
by Barefootgirl
Fri Mar 31, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employment Question
Replies: 3
Views: 426

Federal Employment Question

Like most, I've been reading recent press articles about holding or reducing the size of the federal workforce through various methods. This would seemingly make it more difficult to bring in new employees (to state the obvious) - but for those who have a longer history of dealing with these issues ...
by Barefootgirl
Sun Mar 26, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: In-N-Out Burger - Best Chain Fast Food Burger Joint?
Replies: 157
Views: 21145

Re: In-N-Out Burger - Best Chain Fast Food Burger Joint?

White Castle! that's a memory.

I'm pretty sure I had not really lived until the night I ended up at White Castle in Farmingdale, NY. in the wee hours and woke up the next day to find 10 sliders threaded through the antenna of my car.
by Barefootgirl
Sun Mar 26, 2017 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have enough? How I realized yeah I do.
Replies: 75
Views: 12211

Re: Do you have enough? How I realized yeah I do.

My good feeling came a few years ago when I followed Dr. Bernstein's advice of having 20+ years in safe investments


Would you mind defining safe investments here in the thread? Otherwise, I have to search through this books ;)
by Barefootgirl
Sun Mar 26, 2017 5:54 pm
Forum: Personal Consumer Issues
Topic: Buying Sunglasses
Replies: 44
Views: 4544

Re: Buying Sunglasses

It's unfortunate that Zenni does not appear to carry wrap around sunglasses. Wrap arounds offer more comprehensive eye protection...not to mention they keep the crows feet away.

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