Search found 2262 matches

by Barefootgirl
Wed Jun 10, 2020 5:51 am
Forum: Personal Consumer Issues
Topic: New iPhone now or wait for 12 and backup question
Replies: 26
Views: 1591

Re: New iPhone now or wait for 12 and backup question

I have an iPhone 7 Plus with the Looping disease (earpiece and microphone don’t work for calls, camera doesn’t record audio, Siri doesn’t work)

Is this a known issue with the 7 Plus?
by Barefootgirl
Tue Jun 09, 2020 8:46 am
Forum: Personal Consumer Issues
Topic: iPhone XR - Face ID vs. Touch ID?
Replies: 35
Views: 1564

iPhone XR - Face ID vs. Touch ID?

I am considering a purchase of the XR.

I see it has a feature I've never used before - the Face ID.

Apparently if I end up not liking it, I can disable that - but I am wondering if many like it? find it user friendly?

I change make up, hair styles and hair colors often - it's a hobby.

Thoughts?
by Barefootgirl
Sat May 09, 2020 6:14 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 724
Views: 38604

Re: What are you listening to now

Motorhead.
by Barefootgirl
Sat Feb 08, 2020 5:18 pm
Forum: Personal Consumer Issues
Topic: Pairing Headphones with iPhone?
Replies: 2
Views: 391

Pairing Headphones with iPhone?

I bought a pair of inexpensive Logitech headphones to use for conference calls on my work laptop whenever I am out of the office or home...great for background noise elimination etc. It's basically a headset and a microphone - input & output. I'd like to now use it with my iPhone if possible....the ...
by Barefootgirl
Sat Feb 08, 2020 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Date Decision, Pros & Cons (Feds)
Replies: 9
Views: 927

Retirement Date Decision, Pros & Cons (Feds)

I'm a fed seeking to retire on 5/31. Conventional wisdom suggests this is a propitious date since my pension will then begin 6/1. Coincedentally, my Service Computation Date is also on the 31st of the month, so my understanding is that this means I'll get an additional full month pension credit by s...
by Barefootgirl
Sat Feb 08, 2020 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Handling the HSA, Post Retirement?
Replies: 2
Views: 358

Handling the HSA, Post Retirement?

I'm retiring in a couple of months, so obviously my employer will no longer be making contributions from my salary to my HSA. Is it as easy as me making them myself in retirement (up to the annual max) and then taking a tax deduction for doing so? Also, I can transfer my existing HSA account to a di...
by Barefootgirl
Sat Feb 08, 2020 8:42 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27698

Re: What is the best concert you ever witnessed?

wow, how about a recent show? LOL, in this decade :)

Tom Petty & The Heartbreakers - July 2, 2017 - Canandaigua, New York

RIP, he was the best.
by Barefootgirl
Thu Dec 26, 2019 5:32 pm
Forum: Personal Investments
Topic: Former Employer 401k @ Fidelity - options?
Replies: 6
Views: 397

Former Employer 401k @ Fidelity - options?

I hold about $200K in a former employer's 401k plan with Fidelity. The fund options are VERY limited. Is there any reason I cannot or should not roll it over into an IRA? no tax issues with a direct rollover, correct? I could even leave it with Fidelity, to make it easier. Any potential issues? Than...
by Barefootgirl
Sat Dec 21, 2019 9:56 am
Forum: Investing - Theory, News & General
Topic: Investments negatively correlated with the stock market?
Replies: 59
Views: 4899

Investments negatively correlated with the stock market?

Please suggest investments that are negatively correlated with the stock market?

I am trying to learn more about this.

Thank you.
by Barefootgirl
Thu Dec 19, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: iPhone battery replacement question
Replies: 27
Views: 1366

Re: iPhone battery replacement question

It's not a backup for storage. It's a backup phone as in a second phone (For Redundancy Purposes)
by Barefootgirl
Wed Dec 18, 2019 5:37 pm
Forum: Personal Consumer Issues
Topic: iPhone battery replacement question
Replies: 27
Views: 1366

iPhone battery replacement question

I had read that once the battery strength hits 80% or lower on an iPhone, battery replacement is possible. I went to the Geek Squad at Best Buy to inquire about a battery replacement. They quickly tried to convince me that I need a new phone (I already have a new phone, this is my backup phone)...so...
by Barefootgirl
Sun Dec 01, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: Clever ideas for a second home for summers?
Replies: 9
Views: 1432

Clever ideas for a second home for summers?

I know several people who retired and fled to the southern US, North Carolina, Georgia or Florida as retirement locations, fleeing long winters and high taxes. Later they missed spending summers in the north with friends or family and cooler temps, but did not want the expense or headaches of owning...
by Barefootgirl
Sat Nov 30, 2019 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 112
Views: 10253

Re: FEHB Open Season 2019

I thought of another possibility - with a regular FSA account, the cost of deductibles is reimbursed through many types of services, but with the HDHP, the cost of deductibles is only reimbursed via dental and vision expenses. (FSA LEX) and last time I checked those are minimal with the GEHA dental ...
by Barefootgirl
Sat Nov 30, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 112
Views: 10253

Re: FEHB Open Season 2019

I'm sticking my neck out to ask an ignorant question. Posters have discussed that a negative attribute of GEHA HDHP is that it disincentivizes people to seek out health care, even necessary health services. Does the disincentive lie only in the case where they have not yet met the $1500 upfront dedu...
by Barefootgirl
Sat Nov 30, 2019 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Feds: GEHA HDHP for average to heavy user?
Replies: 3
Views: 508

Feds: GEHA HDHP for average to heavy user?

I've had GEHA with HDHP for several years. Knock on wood, I have been a light user of the insurance, so I have little basis for giving it a thumbs up or down. I have been looking at other plans, wondering how they compare. If you make frequent or continuous use of the GEHA HDHP plan, and you wouldn'...
by Barefootgirl
Sun Nov 10, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Fed. Employees - Tammy Flanagan Consult?
Replies: 7
Views: 860

Re: Fed. Employees - Tammy Flanagan Consult?

My agency does not.

Anyone know approximately the cost of Flanagan's consulting services? Thank you.
by Barefootgirl
Sun Nov 10, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Fed. Employees - Tammy Flanagan Consult?
Replies: 7
Views: 860

Fed. Employees - Tammy Flanagan Consult?

Did any of you have a pre-retirement consult through Tammy Flanagan/her organization?

Was it worthwhile? did you learn anything new? cost?

Thanks!
by Barefootgirl
Tue Oct 22, 2019 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Are federal health benefits worth postponing early retirement?
Replies: 60
Views: 6583

Re: Are federal health benefits worth postponing early retirement?

Now at age 57, I don't have 30 years, so I will stick around another 2 years. The health insurance benefit is worth the wait in my opinion.

At 57, you only need 10 years to retire with the health insurance, so if you have more than 10?
by Barefootgirl
Tue Oct 22, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: iPhone 6 Plus - upgrading
Replies: 6
Views: 662

iPhone 6 Plus - upgrading

I have a sluggish iPhone 6 Plus....battery reads at 81% - can either get a new battery or buy a newer model. I am a light user and want a second phone anyway, so leaning toward buying a new phone AND getting the battery replaced. I appreciate the larger screen of the Plus - should I go for an 8 Plus...
by Barefootgirl
Wed Oct 16, 2019 5:34 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4663
Views: 903413

Re: What's Your Credit Card Rewards Strategy?

Does anyone have any recent experience with using Visa gift cards to make estimated or (otherwise due) payments to the IRS?

Do the IRS payment portals accept gift cards for payment? thank you
by Barefootgirl
Wed Oct 16, 2019 5:25 am
Forum: Personal Investments
Topic: Lump Sum vs. Retirement Income Decision
Replies: 5
Views: 568

Re: Lump Sum vs. Retirement Income Decision

Thank you, I should have mentioned I am planning to retire in 2020, so I would likely either begin the annuity then or let it ride until age 65, if I don't take the lump sum now.
by Barefootgirl
Wed Oct 16, 2019 4:32 am
Forum: Personal Investments
Topic: Lump Sum vs. Retirement Income Decision
Replies: 5
Views: 568

Lump Sum vs. Retirement Income Decision

Would really appreciate any input regarding the following situation, a lump sum offer to buy out a pension from a former employer: Age 58, female and single Life expectancy - 80s, no known health problems at the moment. Immediate Single Annuity: $841 Single annuity taken at age 65: $1,490/month Amou...
by Barefootgirl
Sun Oct 13, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: Extended Stay in Las Vegas - nearby hiking?
Replies: 10
Views: 994

Extended Stay in Las Vegas - nearby hiking?

I have an opportunity to work 3 days/week in Las Vegas, this coming February - April. So, I will have a good amount of free time. I would like to keep up with my fitness program. I prefer walking and hiking, but not steep or rigorous trails. Anyone know of such trails nearby the Las Vegas area? thanks
by Barefootgirl
Sat Oct 12, 2019 6:20 am
Forum: Personal Consumer Issues
Topic: Hilton location - can only be called from landline?
Replies: 27
Views: 2418

Re: Hilton location - can only be called from landline?

We were able to resolve the issue via Twitter, using the Hilton staff on Twitter to relay messages between us - 21st century version of a telephone switch operator I suppose. I have had this phone with CC as the provider for 4 years. First and only time this has happened. Not enough frequency to mes...
by Barefootgirl
Fri Oct 11, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: Hilton location - can only be called from landline?
Replies: 27
Views: 2418

Re: Hilton location - can only be called from landline?

I actually no longer know anyone with a landline except for my elderly mom and this would confuse her too much.
by Barefootgirl
Fri Oct 11, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Hilton location - can only be called from landline?
Replies: 27
Views: 2418

Hilton location - can only be called from landline?

I am trying to reach a specific Hilton hotel location in another state. I am getting a message that their number cannot be reached by calling from a cellphone, only a landline phone. I don't have a landline phone and don't see any payphones near me. I have reached out to Hilton by Twitter and Hilton...
by Barefootgirl
Fri Oct 11, 2019 5:59 am
Forum: Personal Consumer Issues
Topic: iPhone question - purchase
Replies: 13
Views: 1727

Re: iPhone question - purchase

The iphone X is a huge improvement over the 8 plus in terms of speed, screen color and clarity, and gives more screen area in a lighter and smaller body, so it's easier to hold and use. Face ID is pretty amazing, once you get over the initial setup. While I like the idea of an improved format and l...
by Barefootgirl
Thu Oct 10, 2019 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer w/ very short decision turn around time
Replies: 12
Views: 1859

Lump Sum Offer w/ very short decision turn around time

A former employer is offering lump sum buyouts for those eligible for pensions. I very recently moved and had not yet updated my address. I called and they updated the address in their system and remailed my package on 9/25 (US Mail). I don't have it yet and the turn around deadline to make a decisi...
by Barefootgirl
Wed Oct 09, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: iPhone question - purchase
Replies: 13
Views: 1727

iPhone question - purchase

My mom's phone has finally given out. I'd like to buy her an iPhone 8 plus. I noticed they are the same price on the Consumer Cellular site as they are on the Apple site. She has been using CC as her provider. Since they are the same price, does it matter whether I buy the phone from the manufacture...
by Barefootgirl
Mon Sep 23, 2019 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Treatment of Lump Sum Pension Pay Out
Replies: 5
Views: 403

Re: Tax Treatment of Lump Sum Pension Pay Out

Thanks for the link, but it looks like advice for people born before January 2, 1936? In other words, my grandparents ;)
by Barefootgirl
Mon Sep 23, 2019 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Treatment of Lump Sum Pension Pay Out
Replies: 5
Views: 403

Tax Treatment of Lump Sum Pension Pay Out

I've received word that a former employer is going to offer a lump sum pension pay out offer soon.

If I take the lump sum, does anyone know if it's possible to roll it over directly to an IRA to avoid taxation?

Thank you.
by Barefootgirl
Sat Sep 14, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Laptop for a child?
Replies: 19
Views: 1573

Laptop for a child?

Please recommend an appropriate laptop for an 8 year old who has online subscriptions to learning websites. She will use this for watching YouTube with family members and for logging into her learning sites for academic subjects/games/lessons.

Thank you
by Barefootgirl
Mon Sep 02, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: Best college towns in the Southeastern US for retirees?
Replies: 80
Views: 9404

Re: Best college towns in the Southeastern US for retirees?

Thank you for the suggestions~!

Huntsville AL
Tallahassee and Gainesville, FL
Athens GA

these were already on our list.....would prefer to live in a medium sized community with proximity to a larger city - as we are burned out from living in the metropolis of our career years.
by Barefootgirl
Mon Sep 02, 2019 7:48 am
Forum: Personal Consumer Issues
Topic: Best college towns in the Southeastern US for retirees?
Replies: 80
Views: 9404

Best college towns in the Southeastern US for retirees?

Some friends and I are tossing this question around. We are leaning toward warm weather, tax friendly locations where there is at least some level of culture and opportunities for intellectual engagement.

If you have a favorite(s) to suggest, please comment?

Thanks
by Barefootgirl
Fri Jul 19, 2019 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Banking for Nomads
Replies: 28
Views: 3531

Re: Banking for Nomads

Thank you all for the input. Looks like a gathering of consensus around Wells, Alliant, Ally and Schwab. I have 2 of those 4 already...so it's a head start. Again, thank you. What prompted this thread was an inability of get Cap One to refund an ATM fee...after years of being a customer with large b...
by Barefootgirl
Sat Jul 06, 2019 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Banking for Nomads
Replies: 28
Views: 3531

Re: Banking for Nomads

Nothing in my original post indicates that I do not like Alliant. All I said was that I have yet to use them much.

Again, just seeking to know about the experiences of others - which banks they have come to rely on while being mobile.

Thanks
by Barefootgirl
Fri Jul 05, 2019 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Banking for Nomads
Replies: 28
Views: 3531

Re: Banking for Nomads

Why not go with one of the major banks that has tons of branches and ATMs?

That's what I am attempting, that's why I asked for recommended banks. The personal experiences of others is a good gauge of customer service.
by Barefootgirl
Fri Jul 05, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Banking for Nomads
Replies: 28
Views: 3531

Banking for Nomads

In the near future, I'll be mostly mobile, up and down the east coast, with some other travel to the west coast and abroad. I've not been too crazy about the Cap One online interface, having problems with it and sometimes challenged to find ATMs. I have an account with Alliant FCU that does have hav...
by Barefootgirl
Wed Jul 03, 2019 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 154
Views: 31453

Re: Best cash-back credit card right now?

Up thread, someone mentioned Amazon's Prime Card for 5% cash back. I've been weaning off that card for one reason. In a traditional situation where you have a merchant dispute, your bank, via your credit card, will assist you. In the case of Synchrony, I have found this does not happen. Rather, they...
by Barefootgirl
Wed Jul 03, 2019 6:03 am
Forum: Investing - Theory, News & General
Topic: Hitting Critical Mass and then dealing with those feelings of Surreal
Replies: 51
Views: 7159

Re: Hitting Critical Mass and then dealing with those feelings of Surreal

I was raised in a near poverty situation. I therefore decided to study really hard and work really hard and make the kinds of sacrifices to ensure it didn't happen to me as an adult. One day, after many years of that hustle life, I woke up and found myself a millionaire and eventually, more than a m...
by Barefootgirl
Sat Jun 22, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Wintering Over 2020
Replies: 14
Views: 2030

Suggestions for Wintering Over 2020

I'm retiring later this fall and won't start re-settling until late next spring when the warm weather returns north. Looking to make plans in the coming months. I'll be spending the December holidays with family in Atlanta, but open after that for a few months. Please suggest any known and pleasant ...
by Barefootgirl
Wed Jun 19, 2019 9:08 pm
Forum: Personal Consumer Issues
Topic: WiFi/Hot Spot/Options?
Replies: 10
Views: 835

WiFi/Hot Spot/Options?

Two great offers have come together. My employer is allowing me to telework full time from about anywhere this summer and an acquaintance is offering me use of her summer cottage on a lake in a rural area. Reliable internet is key and she says the service there can be spotty....yikes, I have a call ...
by Barefootgirl
Sat Jun 15, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 100
Views: 11223

IPhone 6 - showing some age

I have an iPhone 6 purchased in December 2015 that I have become very accustomed to and it has never given me any problems. It serves me well vs. the other way around. I recently noted the battery draining quite a bit faster than it used to, even with all the usual tips to keep it stronger. I took i...
by Barefootgirl
Mon Jun 10, 2019 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Late Life/End of Life Expenses
Replies: 38
Views: 4221

Late Life/End of Life Expenses

I just read a post elsewhere arguing against the 4% rule for withdrawals for one reason. The person is a physician who treats many high net worth individuals who end up going into nursing homes and burning through their assets until they finally qualify for Medicaid. I think he's arguing for spendin...
by Barefootgirl
Sat Jun 08, 2019 9:19 pm
Forum: Personal Consumer Issues
Topic: Car Top Carrier
Replies: 18
Views: 1538

Car Top Carrier

I own a Toyota Rav 4. Next month, I need to transport some household items to a relative living 350 miles away. I will not be able to fit everything into the relatively small cargo area of the RAV4. I have never used a car top carrier before, but this vehicle came with a rack for a carrier. Any reco...
by Barefootgirl
Tue May 21, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning/Inflation & Growth Rates
Replies: 3
Views: 481

Retirement Planning/Inflation & Growth Rates

I recently met with a fiduciary type FP to get an outside look over my retirement plan. I am planning to retire later this year. These are the rates he's using for his suggested plan to me. Do these look conservative/reasonable to you? Just looking for other opinions. Thanks Inflation rate before re...
by Barefootgirl
Wed May 15, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: Health Insurance question for early retiree
Replies: 8
Views: 725

Health Insurance question for early retiree

My 59 year old sister is wanting to retire early. If/when she quits her job and any COBRA is past her - she will lose health insurance. Assuming she gets onto another plan until Medicare kicks in, how much should I advise her it would cost? (approximately) her health is good for her age. I cannot us...
by Barefootgirl
Sun May 12, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 132
Views: 21465

Re: Single People and Retirement Question

<I pack very light with one small backpack that fits under seat in in front of me if necessary. All my clothes are rapid drying kind. This allows me to easily cover a lot of ground. It has totally transformed how I travel.>

Do you mind sharing more details? brands for example? Thank you
by Barefootgirl
Wed Jan 09, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: Advice for moving from urban to rural ~ real estate issues?
Replies: 10
Views: 862

Advice for moving from urban to rural ~ real estate issues?

In 2019, I will be leaving a major US city and retiring to a small town in the Northeast. Originally, I planned to purchase, but because I plan on a lot of travel in the coming years and don't want to make a purchase until I am sure of which town/which home I want, I plan to rent. I have noticed tha...