Search found 218 matches

by InMyDreams
Wed Apr 18, 2018 12:26 am
Forum: Investing - Theory, News & General
Topic: Your Money Or Your Life
Replies: 49
Views: 6186

Re: Your Money Or Your Life

My take away when I read Your Money or Your Life years ago: * Figure out what your real wage is (your paycheck minus all the costs of doing your work [gas, commute time, childcare, things you buy because you don't have time to do it yourself]) * When you're buying something, stop and think if it's r...
by InMyDreams
Tue Apr 17, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Ogden UT/Salt Lake City summer children's activities?
Replies: 8
Views: 464

Re: Ogden UT/Salt Lake City summer children's activities?

July will be hot - with cool evenings. Mirror Lake in the Uintas will be cool. And there are other hikes in the area. Easy day trip from SLC. Lots of hiking in the Wasatch. Visit ski resorts in the summer - lots of hikes start in their vicinity - e.g., Silver Lake at Brighton, with hike up to Lake S...
by InMyDreams
Fri Apr 13, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Unaffordable prescription drug
Replies: 42
Views: 3452

Re: Unaffordable prescription drug

I recently heard of a person who was denied a biologic injectable because the prescribing info did not include the increased frequency that the doctor was ordering. The patient took it to the insurance appeals board, and either at that level or one more beyond that (can't remember which), an indepen...
by InMyDreams
Fri Apr 13, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Unaffordable prescription drug
Replies: 42
Views: 3452

Re: Unaffordable prescription drug

After years spent trying more affordable drugs (if you count $1200 a month as affordable), I'm left with no treatment options other than a drug that costs $1000 per WEEK. It would be on top of other drugs that are already costing me over $1000 a month. My insurance won't cover it understandably, an...
by InMyDreams
Fri Apr 06, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: What can we learn from secret millionaires.
Replies: 93
Views: 16411

Re: What can we learn from secret millionaires.

I can also tell you that one attribute of a secret millionaire is that they understand very well that a million dollars isn't a lot of money. Your Money or Your Life , one of the early books about FIRE, talked about the difference between Financial Independence and Wealth. FI is getting closer...
by InMyDreams
Fri Apr 06, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Cell account hacked
Replies: 19
Views: 2349

Re: Cell account hacked

blevine wrote:
Wed Apr 04, 2018 10:36 pm
Switched 2FA to call my landline.
The only 2FA that TRPrice offers me is text messaging. I've tried it out with my VOIP home line without success (my carrier usually converts any texted messages to an email so I hoped it would work).
And I'm not willing to text to my burner cell phone.
by InMyDreams
Thu Apr 05, 2018 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Keep TIAA 403(b) or roll to Vanguard IRA?
Replies: 5
Views: 424

Re: Keep TIAA 403(b) or roll to Vanguard IRA?

If you nose around, you will be able to find all the funds that are available for investment within your TIAA 403b. The choice of funds, and the fees for investing in them, is not the same at each of the institutions that use TIAA for their employees' 403bs. I have been fortunate - I have access to ...
by InMyDreams
Tue Apr 03, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Cell account hacked
Replies: 19
Views: 2349

Re: Cell account hacked

woke up to find an email that confirmed my cell order = someone went to my carriers store and "upgraded" my phone and added a second line with a new phone too. called fraud department and had my phone sim card turned back on, new line removed and my online account removed. So, they impersonated you...
by InMyDreams
Thu Mar 22, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help my wife when I die.
Replies: 37
Views: 4207

Re: Help my wife when I die.

Suggest reading Beyond the Grave . Very interesting insights about what happens after you're gone. And it's probably too early to consider this, but Vanguard's PAS provides not just investment management - all transactions go thru the advisor, hopefully it will prevent both scam transactions and poo...
by InMyDreams
Wed Mar 21, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: conversation about finances/spending with significant other?
Replies: 33
Views: 2646

Re: conversation about finances/spending with significant other?

Would he read Bernstein's If you can? It's a free download. The Richest Man in Babylon would probably be in your local library - it's an easy read, too.

This topic comes up on MrMoneyMustache.com.

I've heard of couple's counseling for financial friction - and that it was successful.
by InMyDreams
Wed Mar 21, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Any lawyers? Got scammed
Replies: 39
Views: 3614

Re: Any lawyers? Got scammed

I wonder if the local consumer affairs TV reporter would take it on? Does she have a business license? I wonder if the licensing organization would at least take the complaint info, and perhaps give any potential customers a heads up. File a complaint with the Better Business Bureau - same thing - p...
by InMyDreams
Sun Mar 18, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Terminal illness with small kids
Replies: 63
Views: 10171

Re: Terminal illness with small kids

... sometimes (depending on details) a church can be a coordinating resource for such assistance. yes - but whether it's a church or a family or a neighborhood/community, these things can be useful, and require coordination, which will probably be more than the affected family can handle. Another t...
by InMyDreams
Sat Mar 17, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Terminal illness with small kids
Replies: 63
Views: 10171

Re: Terminal illness with small kids

The best thing to do might be for the extended family to appoint a reliable point person to discuss the issues with the husband and wife so that they don't have to deal with many helpful family members asking and offering. That could easily turn into a source of stress. When offering assistance, yo...
by InMyDreams
Sat Mar 17, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Terminal illness with small kids
Replies: 63
Views: 10171

Re: Terminal illness with small kids

Quite a while ago, a young mother in my church was supported thru her illness. We supported her with: * meals. Sign up sheets, usually one meal a day, often something that could be reheated later -- two problems (to be managed, not to eliminate this choice) - accumulation of uneaten meals; providing...
by InMyDreams
Fri Mar 16, 2018 12:16 am
Forum: Personal Consumer Issues
Topic: Grand Canyon and Utah Parks
Replies: 16
Views: 1477

Re: Grand Canyon and Utah Parks

I've toured parks in UT the 3rd week of June - hot, some sort of biting no-see-'em, and a small fly. and I've been around Moab and Goblin Valley State Park the 3rd week of June in a different year when it was pleasantly cool after late rains - and all the locals were expecting things to warm up shor...
by InMyDreams
Sun Mar 04, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 6880

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

. If we let a patient go home sedated unattended in a cab, a zillion awful things could happen. Let your mind go wild. We can not let this happen. If you don't understand this, it's probably because you don't understand the profound retrograde and anterograde amnesia that is associated with our sed...
by InMyDreams
Sat Feb 24, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: ARAG (or other) Legal Plans, useful? Feedback or reviews?
Replies: 12
Views: 851

Re: ARAG (or other) Legal Plans, useful? Feedback or reviews?

Yes, I have ARAG thru work. When I (separately) went to a CFP for advice about retirement planning, I gave the CFP info about my then existing trust. She was troubled by the way it was set up, conferred with a colleague, and advised me to contact an estate planning attorney who understood the finer ...
by InMyDreams
Mon Feb 19, 2018 4:54 pm
Forum: Investing - Theory, News & General
Topic: Which book for an 18 year old who is asking about investing?
Replies: 45
Views: 3064

Re: Which book for an 18 year old who is asking about investing?

For a website, how about MrMoneyMustache.com? But for a quick read about the basic skills for building your own personal capital, I agree with the recommendation for The Richest Man in Babylon. It's a bit corny, written for a different era, but all the fundamentals are there, and it's an easy read. ...
by InMyDreams
Sun Feb 18, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Seeing Yellowstone National Park
Replies: 24
Views: 2274

Re: Seeing Yellowstone National Park

Would like to go in early May. Good month or bad? I was there the weekend before Memorial Day weekend years ago. Great trip, but be prepared for cold, possibly snow. Some areas of the park may be inaccessible d/t closed roads (again, snow). Take a look at the average & extreme temps https://en.wiki...
by InMyDreams
Mon Feb 12, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: Network for Good
Replies: 6
Views: 619

Re: Network for Good

I've received an email for each time I have donated. I also can login to the site and print: "Donations listed below summarize charitable contributions processed by Network for Good, a nonprofit, tax-exempt organization. The donor has not received any goods or services in return from Network for Goo...
by InMyDreams
Sat Feb 10, 2018 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA/CREF questions
Replies: 6
Views: 762

Re: TIAA/CREF questions

TIAA seems like a black box. I find it very difficult to discern good options - there's a lot of detailed nuance - and a lot of your decision may be based on what contracts your wife's institution has with TIAA. You may want to search this site for "WMA" - TIAA's free Wealth Management Advisors. Som...
by InMyDreams
Fri Feb 09, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: A bill from the doctor - how/should I contest?
Replies: 44
Views: 4040

Re: A bill from the doctor - how/should I contest?

... just amazed at the description of "behind the scenes". I wonder if there is a CPT code for that? Yeah, that's my thought too. Might be worth asking for one. And reviewing the contract you have with them. Not sure which regulatory authority you could mention, but I've found on at least two diffe...
by InMyDreams
Mon Feb 05, 2018 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: How can we find the occupancy rate of a Continuing Care Retirement Community
Replies: 6
Views: 855

Re: How can we find the occupancy rate of a Continuing Care Retirement Community

As suggested by others - you can get on a wait list. The senior living places that I looked at with my parents, which were not CCRCs but just independent senior living residences, allowed prospective tenants to put their name on the list, usually with a check that is not cashed. Being on the list ga...
by InMyDreams
Sun Feb 04, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Basic Spanish Personal Finance Blogs
Replies: 3
Views: 321

Re: Basic Spanish Personal Finance Blogs

I'm able to search my City Library for "Personal Finance" and set the language to Spanish. It returned many that I don't know, but includes The Richest Man in Babylon ( El hombre más rico de Babilonia : los secretos del éxito de los antiguos / George S. Clason ) , a couple of books by Dave Ramsey & ...
by InMyDreams
Sun Feb 04, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 13819

Re: Financial Hole

Any other suggestions?... JoeSo - I'm so sorry for the financial strife you are experiencing. This is your first post, so I suspect you are reaching out in desperation looking for solutions. Take a breath. Realize that others have been where you are. I wonder if a credit counseling organization mig...
by InMyDreams
Fri Feb 02, 2018 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Hourly, over the phone investing help
Replies: 15
Views: 917

Re: Hourly, over the phone investing help

Since you're looking for hourly planning, you are already looking for a "fee-only" planner. Yes, I would suggest not only fee-only, but also does not provide "Wealth Managementh" nor "Assets Under Management" services. There have been several dissatisfied comments on BH from people who went to a fe...
by InMyDreams
Sun Jan 28, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Survivor worries . . .
Replies: 14
Views: 2141

Re: Survivor worries . . .

This thread talks about some of your concerns
viewtopic.php?f=2&t=45769
by InMyDreams
Sat Jan 27, 2018 11:56 pm
Forum: Personal Consumer Issues
Topic: Machu Picchu and Galapagos in late March 2019
Replies: 29
Views: 1792

Re: Machu Picchu and Galapagos in late March 2019

I hiked Huayna Picchu early the second day. :sharebeer Yes, OAT's trip gives an afternoon and the next morning in MP. I don't think hiking Huayna Picchu would not be possible with OAT's schedule! But that would be strenuous :) We did go out to the Sun Gate and the suspension bridge in the morning.
by InMyDreams
Sat Jan 27, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: Machu Picchu and Galapagos in late March 2019
Replies: 29
Views: 1792

Re: Machu Picchu and Galapagos in late March 2019

IMD, Thanks for sharing your experience with your visit to MP and Galapagos with OAT...and even around the same time of the year we are planning our visit! We just hope the weather holds up, as we understand rainy season goes through March. But it's decreasing (on average!) as the month goes on, wh...
by InMyDreams
Fri Jan 26, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Machu Picchu and Galapagos in late March 2019
Replies: 29
Views: 1792

Re: Machu Picchu and Galapagos in late March 2019

Altitude sickness - we flew Lima to Cusco and immediately left by bus to Urubamba, going thru a weaving village at 12,500' - we had several of the 12 passengers who were symptomatic at the village, and even some who were symptomatic at dinner in Urubamba. Our guide wanted us all to take a siesta whe...
by InMyDreams
Fri Jan 26, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: Machu Picchu and Galapagos in late March 2019
Replies: 29
Views: 1792

Re: Machu Picchu and Galapagos in late March 2019

I saw there's quite a range in prices for tours, ranging from around $6,000 (Overseas Adventure Travel) to about $9,500 (Tauck) and up to $13,000 per person (National Geographic). I would be interested in reading about your recommendations and personal experiences...what to do, what not to do, what...
by InMyDreams
Wed Jan 24, 2018 12:51 am
Forum: Personal Consumer Issues
Topic: Help plan [Machu Picchu], Sacred Valley trip
Replies: 19
Views: 1140

Re: Help plan MP, Sacred Valley trip

obgraham wrote:
Tue Jan 23, 2018 2:50 pm
No cuy for me! My Peruvian friends claim cuy is just to upset the tourists!
The Peruvian girl seated next to me at the lunch table where cuy was being served told me it was her favorite meal.
by InMyDreams
Mon Jan 22, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 249
Views: 33941

Re: Does anyone here with net worths north of $1 mil use financial advisors?

Wow, I find this fascinating. We have been really negligent with diligence as far as financial planning. Luckily about 5 years I did allow fidelity to manage some money for me, which has done really well even after the fees. I am excited to be here and learn how to take charge over our financial fu...
by InMyDreams
Mon Jan 22, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Help plan [Machu Picchu], Sacred Valley trip
Replies: 19
Views: 1140

Re: Help plan MP, Sacred Valley trip

Day 1-5 - Fly straight to Cusco, head down into the Sacred Valley (hotel in Urubamba), and spend 2-3 days acclimating and visiting sites and ruins there in that area, like Pisac, Moray, Ollantaytambo. On about the fourth day or so we would take the train up to MP and do the afternoon there. We woul...
by InMyDreams
Fri Jan 19, 2018 12:36 am
Forum: Personal Consumer Issues
Topic: Anyone use a heart rate monitor for swimming???
Replies: 4
Views: 487

Re: Anyone use a heart rate monitor for swimming???

Polar heart rate monitor. Check the specs for the model you want, but the one that I had was water resistant, and worked fine for pulse rate.
by InMyDreams
Tue Jan 16, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: US escorted tours
Replies: 15
Views: 1093

Re: US escorted tours

It might be easier to plan if they were to define where they want to go. E.g., - the concessionaires for the Grand Canyon river trips are quite good, but do they want to devote a week or two seeing the Grand Canyon from the river and not the rim like most tourists? Big cities don't necessarily requi...
by InMyDreams
Sat Jan 13, 2018 10:01 pm
Forum: Personal Consumer Issues
Topic: Emergency evacuation with pre-existing condition
Replies: 13
Views: 1085

Re: Emergency evacuation with pre-existing condition

Yes they can put you in the hospital, I've seen people go to surgery urgently due to excessive bleeding. Have you checked to see if you have travel insurance thru existing policies? E.g., your credit card that you used to pay for the trip? I have travel insurance thru my employer's disability polic...
by InMyDreams
Tue Jan 09, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: retiree health ins - how to propose to Employer?
Replies: 39
Views: 1887

Re: retiree health ins - how to propose to Employer?

I work for a small professional company (family-owned) with maybe 40 employees in two offices (two states). Our health insurance policy seems to be based on a contract with the home state (Texas). Can a wise, knowledgeable person also address the question - how does COBRA apply to a small (40 emplo...
by InMyDreams
Sat Jan 06, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Charitable Deduction Question
Replies: 21
Views: 1854

Re: Charitable Deduction Question

Thank you!
by InMyDreams
Sat Jan 06, 2018 1:18 am
Forum: Personal Finance (Not Investing)
Topic: Charitable Deduction Question
Replies: 21
Views: 1854

Re: Charitable Deduction Question

Time of making contribution.Usually, you make a contribution at the time of its uncondi­tional delivery. .... Credit card. Contributions charged on your bank credit card are deductible in the year you make the charge. https://www.irs.gov/pub/irs-pdf/p526.pdf meaning a credit card contribution made ...
by InMyDreams
Fri Jan 05, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Deduction Question
Replies: 21
Views: 1854

Re: Charitable Deduction Question

Time of making contribution.Usually, you make a contribution at the time of its uncondi­tional delivery. .... Credit card. Contributions charged on your bank credit card are deductible in the year you make the charge. https://www.irs.gov/pub/irs-pdf/p526.pdf meaning a credit card contribution made ...
by InMyDreams
Tue Jan 02, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Asked to give a seminar about student loans and paying for college
Replies: 14
Views: 1068

Re: Asked to give a seminar about student loans and paying for college

I've considered passing on the request and putting a call out to a seasoned financial aid counselor. Others have suggested that I tag team with at least one of the more eager and knowledgeable millennial volunteers. I think a tag-team approach would be great. Someone who knows what possibilities ar...
by InMyDreams
Sun Dec 31, 2017 12:04 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 131
Views: 11015

Re: Do you meditate?

Benson's Relaxation Response is a good read. https://www.amazon.com/Relaxation-Response-Herbert-Benson/dp/0380815958/ref=sr_1_1?ie=UTF8&qid=1514696358&sr=8-1&keywords=relaxation+response Emmett Miller has good guided meditation recordings, and a great sleep recording https://www.drmiller.com/ But, I...
by InMyDreams
Sat Dec 30, 2017 11:58 pm
Forum: Personal Consumer Issues
Topic: Crater Lake trip from Bay area in June
Replies: 21
Views: 1536

Re: Crater Lake trip from Bay area in June

Sorry - yes June. We could drive thru the park, but not all the way around the Lake.
by InMyDreams
Thu Dec 28, 2017 10:04 pm
Forum: Personal Consumer Issues
Topic: Crater Lake trip from Bay area in June
Replies: 21
Views: 1536

Re: Crater Lake trip from Bay area in June

I was at Crater lake the 4th week of 2016. Road was not open to cars all the way around the lake, tho I think cyclists could do most if not all the circumference. The major roads in from the south and out thru the north west were open, and the connection between. Even the portions of roads that were...
by InMyDreams
Thu Dec 28, 2017 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing out retirement accounts
Replies: 55
Views: 4358

Re: Maxing out retirement accounts

If you've been saving 25% - 33% since your early 20's you will likely be in excellent shape regardless. +1 Bernstein's If You Can recommends putting away 15% per year. Personally, I was inspired by attending a talk by my then-employer's retirement plan. That year I started with just a small, flat a...
by InMyDreams
Sun Dec 24, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do Credit Card Companies Go After Crooks?
Replies: 15
Views: 7446

Re: Do Credit Card Companies Go After Crooks?

"A representative payee is a person or an organization. We appoint a payee to receive the Social Security or SSI benefits for anyone who can’t manage or direct the management of his or her benefits. . A payee’s main duties are to use the benefits to pay for the current and future needs of the benef...
by InMyDreams
Sun Dec 24, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do Credit Card Companies Go After Crooks?
Replies: 15
Views: 7446

Re: Do Credit Card Companies Go After Crooks?

I would like the CC company to go after my brother for fraud, but can't find out how other than going to the police. My dad died 4 years ago and since then my brother who has power of attorney has used dad,s CC for 4 years for his own benefit and paid for it out of mom,s account, which should have ...
by InMyDreams
Sun Dec 24, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 37
Views: 2987

Re: Securing Law School Scholarships

PEOInternational.org and its local chapters offer grants and low-cost loans to women students. Programs are especially good for students who are within 2 years of completing a degree. You'll need to work with your local chapter.
by InMyDreams
Fri Dec 22, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Are pensions protected from sponsoring company's financial woes?
Replies: 8
Views: 1061

Re: Are pensions protected from sponsoring company's financial woes?

As per other posters: - is your plan protected by PBGC? If it is then you can look up the effect on benefits if it is handed over to PBGC. Note that if it is a "multi employer" plan then you should read the warning the PBGC has issued about that aspect of its insurance-- unless the US Congress does...