Search found 146 matches

by InMyDreams
Fri Nov 24, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Geneology: finding the house a dead relative lived in.
Replies: 14
Views: 981

Re: Geneology: finding the house a dead relative lived in.

I forgot something that I don't usually use: Land and Property Records. Presumably they owned the house & land? The records probably still exist, and it's just a matter of trawling thru them. The ones that I've seen were indexed by name.
by InMyDreams
Fri Nov 24, 2017 12:33 am
Forum: Personal Consumer Issues
Topic: Geneology: finding the house a dead relative lived in.
Replies: 14
Views: 981

Re: Geneology: finding the house a dead relative lived in.

My cousin is now living near where my/our great grandparents lived. He is trying to find out the house they lived in just for curiosity. She died in 1944 So, your cousin is living in the same area, but not the same house, right? First, I'd suggest taking a look for local resources, especially since...
by InMyDreams
Sun Nov 19, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Advice
Replies: 15
Views: 1827

Re: Retirement Advice

I would suggest going with him to a fee only financial adviser -- make sure he/she doesn't sell products. I have used (and continue to update annually with) a fee-only financial planner. Please note that it isn't easy to find one that doesn't also have "wealth management" services, charging some pe...
by InMyDreams
Wed Nov 15, 2017 1:04 am
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 3628

Re: Michelin or Bridgestone?

Unless you want to wait, you do not get to choose either Michelin or Bridgestone. Currently, Costco is doing $70 off promotion for Bridgestone. It will be over on 11/16. Then, the $70 promotion will be for Michelin. KlangFool And watch for "penny installs", too - one cent to install the tires. good...
by InMyDreams
Wed Nov 15, 2017 12:56 am
Forum: Personal Consumer Issues
Topic: Favorite Holiday Recipes
Replies: 40
Views: 2954

Re: Favorite Holiday Recipes

Mom's Sweet Potatoes (aka, Pink Adobe Sweet Potatoes) [editor's note: mom said it was no different to use canned sweet potatoes (as called for) instead of cooking fresh. I totally disagree. Garnet sweet potatoes ("yams") cooked in the microwave are much tastier, IMO] Serves 12. 2 40 oz can yams, dra...
by InMyDreams
Mon Nov 13, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 107
Views: 5656

Re: Tipping in living wage state. Redux.

Years ago I was visiting in Santa Fe, after they had raised their minimum wage within the city. The restaurant made sure its customers knew that servers were being paid that minimum wage, and, I think I even remember the server announcing that at the beginning of the meal.
by InMyDreams
Mon Nov 13, 2017 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: What might you ask In-laws' FA?
Replies: 37
Views: 2648

Re: What might you ask In-laws' FA?

I would ask your in-laws what they hope to achieve by you attending the meeting. And your wife, too. If she's financially aware, perhaps she could be the source of advice, if any is given. I think it's a no-win situation. Speaking speculatively, if they were to jump on board an indexed fund, and th...
by InMyDreams
Sat Nov 04, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Best practice re: Savings?
Replies: 11
Views: 1574

Re: Best practice re: Savings?

Bernstein's If you can gives a lot of advice about how much and where to save. I think the download is free. It also gives reading assignments :)
by InMyDreams
Sat Nov 04, 2017 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: PRIMECAP Fund
Replies: 63
Views: 2773

Re: PRIMECAP Fund

ny_knicks wrote:
Sat Nov 04, 2017 7:32 pm
access to the Vanguard PRIMECAP fund.

It's offered as an option in my TIAA accounts. My CFP had me put some $$ in it.
by InMyDreams
Fri Nov 03, 2017 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Should I max out 403(b) on last check?
Replies: 9
Views: 850

Re: Should I max out 403(b) on last check?

and there's no match on it, right?
by InMyDreams
Fri Nov 03, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 6574

Re: GoDaddy - Any better options for website hosting?

simply hosting:
https://www.simplyhosting.net/

yes, I use email thru it, but quite minimally

www.xmission.com provides web hosting, and has a strong commitment to privacy. I don't have a site thru them, however.
by InMyDreams
Fri Nov 03, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: two step verification for account access
Replies: 15
Views: 1202

Re: two step verification for account access

I'm not sure I understand the risk to an employer retirement account like a 401k. It's not like the money can be distributed while you are employed. So what is the risk here? That's not accurate. Only employee deferrals/Roth are prohibited from rollover, so matching and other accounts can. And any ...
by InMyDreams
Thu Nov 02, 2017 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: two step verification for account access
Replies: 15
Views: 1202

Re: two step verification for account access

Kenkat wrote:
Thu Nov 02, 2017 9:09 pm

The State of New York has enacted legislation that requires all financial service firms to require two factor authentication by early 2018 so you will probably see many firms that don’t offer it now do so soon.
Excellent!
by InMyDreams
Thu Nov 02, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: two step verification for account access
Replies: 15
Views: 1202

Re: two step verification for account access

I am not sure what to do about the fact that my 401k companies or even my BANK doesn't seem to appreciate this risk adequately. I'm interested in feedback here and will bring the question to my local investing club for consideration. I'm less concerned about my banks/credit unions than my other fin...
by InMyDreams
Thu Nov 02, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: two step verification for account access
Replies: 15
Views: 1202

Re: two step verification for account access

The only thing I'm finding on the security screen are the options of updating
username & password
security questions
security image & phrase.

I'm looking for one time verification codes or something similar.
by InMyDreams
Thu Nov 02, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: two step verification for account access
Replies: 15
Views: 1202

Re: two step verification for account access

What is your second factor? The only one that I've found is a set of security questions - as tho they're a second password, rotating among a set number of questions. I will look again at my options.
by InMyDreams
Thu Nov 02, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: two step verification for account access
Replies: 15
Views: 1202

two step verification for account access

In light of brak's thread re: father's retirement drained, I've been thinking about my own accounts. One that is tied to my current employment is at T Rowe Price. At my benefits fair, I asked the TRP rep if they offered two step verification - she said, yes, we ask a security question. I said that's...
by InMyDreams
Mon Oct 30, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Medical Billing question
Replies: 17
Views: 1216

Re: Medical Billing question

This doctor stated that without comparing to historical data, she could not say if anything was wrong, and she wished they had waited to receive the data from Old before they brought her back in for the follow up . Doctor told my family member they would wait for the data from Old, compare and let ...
by InMyDreams
Fri Oct 27, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Allocation Question
Replies: 13
Views: 922

Re: TIAA Allocation Question

you indicated you aren't eligible for Social Security - what about Medicare???
by InMyDreams
Fri Oct 27, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 132
Views: 7666

Re: Can I retire today?

A while ago, my brother inquired about a friend - when would she retire? I said, I think she has enough, but is holding out for 65.
My brother said - Ah, just one bad day away from retirement.

Sounds like you hit it! I'm feeling the urge, too.

Enjoy!!
by InMyDreams
Sat Oct 14, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Annuities - how does insurance company know you died?
Replies: 49
Views: 2916

Re: Annuities - how does insurance company know you died?

Accounting for the bodies in and the bodies out (i.e., birth and death) is an important function of the government. Of course there are fraudsters that attempt to circumvent the regulations for their own gain. Happens with taxes, too. Whether the death occurred in a health care setting or at home, t...
by InMyDreams
Sat Oct 14, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5701

Re: What do you buy in Asian food stores?

Lingham's Hot Sauce for stir fry.
http://www.lingham.com/

Similar to other chili sauces - but not the same.
by InMyDreams
Sat Oct 14, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Annuities - how does insurance company know you died?
Replies: 49
Views: 2916

Re: Annuities - how does insurance company know you died?

If someone dies abroad, is the death reported to the SS master death file, assuming the body is not returned to the U.S. and no U.S. funeral home is involved? At some point (probably sooner, not later), the American consulate office will be notified, a US "Report of the Death of an American Citizen...
by InMyDreams
Fri Oct 13, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 34
Views: 2375

Re: How does the medical billing system work?

In my location, there are two "cash" prices:

* the list price for the item/procedure/service

* the upfront cash price for the procedure. Usually cash payment gives 30% off the list price. Deposit cash before procedure, refund balance if any after billing settles.
by InMyDreams
Fri Oct 13, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 106
Views: 19831

Re: Growing old without kids or younger caring relatives

6miths wrote:
Wed Oct 11, 2017 11:58 pm
...the secret to happiness in old age was to have at least two daughters...
The Blue Zones, a book on longevity, reported that, on average, men with daughters live longer. Seems to be true for my father :)
by InMyDreams
Thu Oct 12, 2017 12:06 am
Forum: Personal Consumer Issues
Topic: Ecuador safe to travel and hike?
Replies: 21
Views: 2256

Re: Ecuador safe to travel and hike?

Our guide told us that the Galapagos were quite safe. In contrast: One woman in our tour group had her iPhone stolen in the first few hours we were in Quito. There was a parallel tour group to ours: one person had her purse stolen (including passport!) in the first few hours. When we walked in the c...
by InMyDreams
Wed Oct 11, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 106
Views: 19831

Re: Growing old without kids or younger caring relatives

After several years of living here in comfort, I identified a caregiver who knows the facility and local hospitals well, and made him my DPOA for Health Care in case of a medical emergency. He is the on-site person when I have minor surgery w/anesthesia who knows my wishes until my relatives who ha...
by InMyDreams
Tue Oct 10, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 2083

Re: Moving Stroke Victim Out of State

As previously mentioned - you should be able to port your home phone number to a cell phone. There are several low-cost, pay-as-you-go providers. TracFone runs about $10/mon for me, but I don't use it much. In the past I've seen talks about keeping your existing land line wires - that dialing 911 fr...
by InMyDreams
Sun Oct 08, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 2433

Re: What to do with unused paint?

in my city, the dump will take almost all hazardous chemicals (including paint) and electronics at no cost to residents - they don't want the nasty stuff in their waste stream. You do have to take it to them. There are also paint hardeners: "HDX Paint Hardener is used to harden latex paints. The sup...
by InMyDreams
Sun Oct 08, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with your empty inkjet cartridges?
Replies: 22
Views: 1587

Re: What do you do with your empty inkjet cartridges?

Costco will refill many of them, and when mine wouldn't work anymore, they recycled it for me.
by InMyDreams
Sun Oct 08, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9629

Re: Senior citizens can lose everything [to professional guardians via court rulings]

According to the Jane Clayson/WBUR interview, Kentucky is the only state that requires an adversarial approach to making a person a ward of the state and appointing a guardian.

I hadn't thought of retiring to KY.
by InMyDreams
Sun Oct 08, 2017 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9629

Re: Senior citizens can lose everything [to professional guardians via court rulings]

I don't see how annuity or maximized social security helps this. The crooked guardian simply takes the annuity payments instead of the assets. First - the crooks probably want your assets in large sums over shorter periods of time. If you're income doesn't exceed expenses (or at least, not by much)...
by InMyDreams
Sat Oct 07, 2017 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9629

Re: Senior citizens can lose everything [to professional guardians via court rulings]

I don't see how annuity or maximized social security helps this. The crooked guardian simply takes the annuity payments instead of the assets. First - the crooks probably want your assets in large sums over shorter periods of time. If you're income doesn't exceed expenses (or at least, not by much)...
by InMyDreams
Fri Oct 06, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Sent to collections by a hospital we've never been to?
Replies: 40
Views: 3477

Re: Sent to collections by a hospital we've never been to?

She could pull her Medical Information Bureau record:
https://www.mib.com/request_your_record.html

Just to be sure no one has id-theft her medical identity
by InMyDreams
Wed Oct 04, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Reasonable hourly rate for a cfp?
Replies: 14
Views: 1129

Re: Reasonable hourly rate for a cfp?

It took me a decent amount of time to find a CFP who would agree to meeting yearly, pay by the hour. I found one - that's how she works: analyze the funds that are available to me in my various accounts, look at my overall finances, advise me on the AA based on those funds. I move the money around ...
by InMyDreams
Sun Sep 24, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8816

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

Ask the employees who are taking care of that type of patient. Nurses from the OR. Nurses from the post-op area. Physical Therapists in the rehab. You get my drift. Try to ask more than one person. If you can't find people actually working that area, ask those who work in the same facility, and ask ...
by InMyDreams
Sun Sep 17, 2017 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Is this TIAA TRAD 3% or 2.5%?
Replies: 17
Views: 1213

Re: Is this TIAA TRAD 3% or 2.5%?

First - I apologize for the use of the word "nasty". TIAA's 10 annual payouts to pull out moneys from TIAA Trad is often given as a reason to avoid it. Moving on, this thread on Morningstar's TIAA forum talks about the differing and complex TIAA rates & plans. http://socialize.morningstar.com/NewSoc...
by InMyDreams
Sat Sep 16, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 95
Views: 9505

Re: Hearing aid 101

...Hearing everything but without clarity is a brain processing issue that I think aids will not be the solution. The hearing test they give you in the booth is basically judging at what level you can still hear sound. But what good is that if you can not understand the conversation. I hate it when...
by InMyDreams
Sat Sep 16, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Is this TIAA TRAD 3% or 2.5%?
Replies: 17
Views: 1213

Re: Is this TIAA TRAD 3% or 2.5%?

anonenigma wrote:
Sat Sep 16, 2017 8:55 pm


I have the unrestricted Traditional with 3% guarantee in both my 403b ...
-do-
and my Traditional in my Defined Contribution plan is even better...but has that nasty 10 year withdrawal plan - but will I annuitize it??
by InMyDreams
Thu Sep 14, 2017 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Expense changes
Replies: 17
Views: 1318

Re: TIAA Expense changes

I have a 403b account at TIAA. I have not received a notice like this (yet?).

If I do, my CFP will advise me to transfer my $$ to Vanguard.

I also have a Defined Contribution plan. Ditto for it.
by InMyDreams
Sun Sep 10, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Excess Payment to Doctor, Surgery Center
Replies: 15
Views: 1589

Re: Excess Payment to Doctor, Surgery Center

Wish I was diligent enough to have asked earlier of the option to pay later based on the EOB. Everybody wants to reduce their days receivable. I know someone at a different hospital that was told that she was required to pay the cost estimate up front, or she wouldn't receive surgery. Do you want t...
by InMyDreams
Sun Sep 10, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Galapagos Trip, Suggestions
Replies: 23
Views: 2576

Re: Galapagos Trip, Suggestions

We went with a different company, but still a small ship, similar number of passengers as the one in the link.

IMO - that's the way to go. And we reserved a cabin on the upper deck - there were only two of them on the upper deck. It was so worth the (pretty small) extra fee.
by InMyDreams
Sun Sep 10, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Excess Payment to Doctor, Surgery Center
Replies: 15
Views: 1589

Re: Excess Payment to Doctor, Surgery Center

The word, "require" is always interesting. Did you ask to be billed when the EOB arrived? When I looked thru the info provided by my insurance, I found that it indicated I should pay co-payments up front, but not co-insurance or deductibles. When the hospital asked me to pay for the latter, I asked ...
by InMyDreams
Tue Sep 05, 2017 11:50 pm
Forum: Personal Consumer Issues
Topic: Book Recommendations: Nutrition / Psychology
Replies: 28
Views: 2317

Re: Book Recommendations: Nutrition / Psychology

fposte wrote:
Tue Sep 05, 2017 11:35 am
How about some food psychology? Brian Wansink's Mindless Eating is funny and fascinating.
+1
Great book, good reading even if you're not dieting.

Younger Next Year is another good read, just basic advice about exercise and keeping life balance.
by InMyDreams
Tue Sep 05, 2017 12:39 am
Forum: Personal Consumer Issues
Topic: Book Recommendations: Nutrition / Psychology
Replies: 28
Views: 2317

Re: Book Recommendations: Nutrition / Psychology

25 year longitudinal study on centenarians on Okinawa: https://www.amazon.com/Okinawa-Program-Longest-Lived-Everlasting-Health/dp/0609807501/ref=sr_1_1?s=books&ie=UTF8&qid=1504589688&sr=1-1&keywords=okinawa+program It's pretty heavy. It does address not only nutrition aspects, but also social aspect...
by InMyDreams
Mon Sep 04, 2017 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about drawing up a prenuptial agreement in California
Replies: 16
Views: 1928

Re: Questions about drawing up a prenuptial agreement in California

I found this when my father was considering remarrying: "That case involved a worker who, after his wife’s death, named his three children beneficiaries of his 401(k). Dad later remarried and, within a few weeks, died. Despite the fact that the kids were named on the official beneficiary form, the s...
by InMyDreams
Tue Aug 29, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 89
Views: 10993

Re: Best place to get eyeglasses / no vision insurance

My apologies - I should have written PROGRESSIVE , not transition lenses. Zenni applies the reading correction to both lenses. I'm anticipating surgery on one eye that will take a period of time to settle (prob abt 2 months). No correction in that eye would be easiest. The docs usually say just pop ...
by InMyDreams
Sun Aug 27, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 89
Views: 10993

Re: Best place to get eyeglasses / no vision insurance

Zenni rep just told me that Zenni can't make a pair of glasses with a transition lens for the left eye, and a blank (no prescription) for the right. I'll need to shop for another optical shop. Sigh.