Search found 2246 matches

by Barefootgirl
Sun Nov 10, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Fed. Employees - Tammy Flanagan Consult?
Replies: 7
Views: 761

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: 761

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: 53
Views: 4547

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: 572

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: 4136
Views: 790625

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: 519

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: 519

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: 851

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: 2165

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: 2165

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: 2165

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: 1489

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: 1701

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: 1489

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: 362

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: 362

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: 1417

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: 8885

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: 8885

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: 3211

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: 3211

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: 3211

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: 3211

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: 116
Views: 22346

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: 6852

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: 1911

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: 784

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: 98
Views: 9666

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: 4073

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: 1437

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: 448

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: 676

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: 20691

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: 830

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...
by Barefootgirl
Wed Jan 09, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Employee - Benefits Advisory Services?
Replies: 4
Views: 501

Fed Employee - Benefits Advisory Services?

From time to time, I have seen recommendations here for a subscription service that one can use to become increasingly clued into to benefits and retirement related issues as a federal employee nears retirement. I thought I had bookmarked the name of the service, but I cannot find it. Can someone re...
by Barefootgirl
Thu Dec 20, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Burned Popcorn Smell - how to eliminate? products recommended?
Replies: 15
Views: 1811

Burned Popcorn Smell - how to eliminate? products recommended?

My niece cooked popcorn in the microwave in my mother's RV and she let it remain too long. The bag and popcorn burned, leaving a strong smell that we have not been able to eliminate - either by cleaning the microwave interior or ventilation in the RV. Is there a recommended product or substance that...
by Barefootgirl
Fri Nov 30, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4136
Views: 790625

Re: What's Your Credit Card Rewards Strategy?

Currently, for personal reasons, I have little need for air travel, so what are other valuable uses for Amex Membership Rewards points and Citi Thank You Points?

I do use my UR points, by transferring to Hyatt.

Thanks
by Barefootgirl
Fri Nov 30, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Employee Health Insurance Issues/Pending Retirement
Replies: 3
Views: 564

Fed Employee Health Insurance Issues/Pending Retirement

I'm a federal employee, planning to retire in 2019, under MRA plus 10. I will be eligible to leave with my health insurance and carry it with me in retirment. I currently have the High Deductible Plan, combined with an HSA. In 2019, in the months leading up to retirement, I plan to have any remainin...
by Barefootgirl
Sat Nov 10, 2018 7:32 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4136
Views: 790625

Re: What's Your Credit Card Rewards Strategy?

A couple of questions: (1) I have used Chase UR points transferred to Hyatt for good redemptions. Are there are any other worthwhile hotel transfer partners that come to mind? I also have MR points and Citi TYP to use. In need of saving $$ on upcoming hotel travel, mostly stay at branded hotels. (2)...
by Barefootgirl
Sat Nov 10, 2018 6:51 am
Forum: Personal Investments
Topic: Selling I Bonds/Buying New I Bonds?
Replies: 9
Views: 1483

Selling I Bonds/Buying New I Bonds?

I've been looking at the new 0.5% rate. I have quite a few older bonds with a 0.3% fixed rate or lower.

Does it not make sense to sell those and use the proceeds for better earning I - Bonds?

What am I missing in this?

Thanks
by Barefootgirl
Thu Nov 08, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Anyone here retire in two homes
Replies: 24
Views: 3543

Re: Anyone here retire in two homes

With two homes, does the state of domicile become the home where you spend the greatest number of days per year? or can that vary from year to year?
by Barefootgirl
Sun Sep 30, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Solar LED Lanterns/Luci Lights or Similar?
Replies: 4
Views: 570

Solar LED Lanterns/Luci Lights or Similar?

My brother and I are working inside an older barn on family property to clear out some old trunks of family records/heirlooms etc. There is no electricity available and it's rather dark in there even on a sunny day. I notice the RV crowd uses some Solar LED lanterns called Luci Lights, so I might tr...
by Barefootgirl
Fri Aug 03, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Digital Subscription Nightmare - PSA
Replies: 24
Views: 1618

Re: Digital Subscription Nightmare - PSA

I know for a fact that I did not order a WaPo subscription in 2018, when the charges suddenly started showing up. There is nothing inadvertent about this.

This is not listed as a subscription anywhere on my account.
by Barefootgirl
Fri Aug 03, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Dental implant in Tijuana
Replies: 37
Views: 4224

Re: Dental implant in Tijuana

You are much better off, IMO, asking this question on forums for expats, particularly Thailand, where they have top notch healthcare.

First rate healthcare can be found in many nations outside the US. Maybe not the Mayo or Cleveland Clinics, but first rate, nonetheless.
by Barefootgirl
Fri Aug 03, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Digital Subscription Nightmare - PSA
Replies: 24
Views: 1618

Re: Digital Subscription Nightmare - PSA

Write back and threaten to go to the media. WaPo is the media. I get your point, however. Not sure if any media would be interested in such a low dollar news story. Dispute the charge with the credit card company. The credit card bank is Synchrony Amazon. They issued a credit when I called them, bu...
by Barefootgirl
Fri Aug 03, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Digital Subscription Nightmare - PSA
Replies: 24
Views: 1618

Re: Digital Subscription Nightmare - PSA

One odd thing is that I sent an email to the jeff@amazon.com address for customer related issues and they never responded in writing. Instead, some guy from Amazon left me a voicemail while I was in a meeting and never responded to my call back. His voice message was very cavalier and almost using a...
by Barefootgirl
Fri Aug 03, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Digital Subscription Nightmare - PSA
Replies: 24
Views: 1618

Re: Digital Subscription Nightmare - PSA

I would like to know the answer, but no one seems able to provide the details,
by Barefootgirl
Fri Aug 03, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Digital Subscription Nightmare - PSA
Replies: 24
Views: 1618

Digital Subscription Nightmare - PSA

In 2017, I briefly ordered and later cancelled, a digital subscription to the Washington Post. A year later, an unauthorized subscription was charged to a debit account linked to my Amazon payments account. I disputed it, Amazon removed it. I tried to get future charges stopped by contacting both th...
by Barefootgirl
Sat Jul 28, 2018 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Retire Internationally for FIRE
Replies: 94
Views: 14618

Re: Retire Internationally for FIRE

I strongly suggest investigating this via travel or by communicating with people who have actually done it, in the locations that interest you.

Opinions abound, so facts are more valuable.
by Barefootgirl
Sat Jul 28, 2018 6:11 am
Forum: Personal Consumer Issues
Topic: negative comments about "Brazil nuts"
Replies: 32
Views: 4090

Re: negative comments about "Brazil nuts"

Recently, a rather well-known/respected researcher stated that there's a huge amount of variability in the quantity of selenium in Brazil nuts, depending on where they are grown and apparently changes in climate and farming techniques. This prompted him to start supplementing selenium via tablets fr...