Search found 76 matches

by InMyDreams
Tue Jul 25, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 110
Views: 5204

Re: Investing Education and Mansplaining

It sounds like she has two reasons she shuts out hearing you? Lotta discussion about taking advice from a man, not so much advice about taking advice from older generations. Would she read something like Mr. Money Mustache? http://forum.mrmoneymustache.com/ What about advice from a member of the old...
by InMyDreams
Fri Jul 21, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 53
Views: 2271

Re: Commuters (that drive), what do you listen to?

NPR, or what ever my public radio station is broadcasting (Science Friday, Market Place, 1A, etc). Several years ago, when the freeway near my home was under repair/construction, I tried doing interactive Spanish lessons (Pimsleur). I eventually decided that I shouldn't drive distracted, and went ba...
by InMyDreams
Fri Jul 21, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest assets from home sale to pay for assisted living?
Replies: 9
Views: 648

Re: Where to invest assets from home sale to pay for assisted living?

Did either of them serve in the military? As they reach beyond their assets, they might become eligible for the Aid & Attendance benefit. The veteran only had to serve at the time of a conflict, did not need to fight in that conflict, and did not need to retire from the military. Most care facil...
by InMyDreams
Sun Jul 16, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 71
Views: 6325

Re: Is it Safe to Get Your DNA Tested?

You can get your DNA tested just for ancestry findings and they won't test it for health. I didn't pay extra for the health portion because I'm sure anyone could get their hands on those results. Sounds like you went to 23andme, but regardless of which testing company - each company uses a single t...
by InMyDreams
Fri Jul 14, 2017 6:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 106
Views: 6500

Re: Vanguard 403b Changes

Some day my 403b with my current employer will be moved. I was debating about Vanguard, vs TIAA. I have access to good VG funds in my TIAA account.

Guess the funds will go to TIAA.
by InMyDreams
Wed Jul 12, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: DNA question
Replies: 6
Views: 692

Re: DNA question

Several years ago, I sent a DNA sample (spit) to 23andme. It shows my ancestry generally consistent with what I know of my parents and grandparents. It shows 3-5 th cousins around the world. No close connection identified. If my brother (I am male) were to also use 23andme, would there (or might th...
by InMyDreams
Wed Jul 12, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: Donation to Church for wedding?
Replies: 28
Views: 1960

Re: Donation to Church for wedding?

A retired Protestant pastor, who performed a quite a few marriages for the unaffiliated in the community, told me that when a member of the wedding party asked him, he would suggest that it was around an hour's work for him, and that they might remunerate him with the equivalent hourly pay that the ...
by InMyDreams
Tue Jul 11, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Family member fleecing Alzheimers victim
Replies: 26
Views: 4734

Re: Family member fleecing Alzheimers victim

As a veteran, he may be eligible for the "Aid & Attendance" benefit. https://www.veteranaid.org/faq.php You must be basically without financial resources, but unlike medicaid, divestment of them can occur right up until the time of application. I don't know about spousal assets tho. An...
by InMyDreams
Sun Jul 09, 2017 11:09 pm
Forum: Personal Consumer Issues
Topic: Family member fleecing Alzheimers victim
Replies: 26
Views: 4734

Re: Family member fleecing Alzheimers victim

Malinois000 wrote:Shame, shame, shame!!!


But, sadly, all too common.

Pull your stepfather's credit reports, too.
by InMyDreams
Tue Jul 04, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Help with Revocable Trust- Bloodline?
Replies: 14
Views: 550

Re: Help with Revocable Trust- Bloodline?

Condon's book, Beyond the Grave, discusses issues like this (and more). It's a pretty easy read, with useful information.
by InMyDreams
Thu Jun 29, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: vetting/finding a financial advisor
Replies: 58
Views: 2136

Re: vetting/finding a financial advisor

The second two pushed for a diversified portfolio but provided only a mess of complex generalities that seemed to be designed to confuse me into hiring their portfolio management services. The CFP/NAPFA planner that I went to did have me invest in multiple funds (non-boglehead approach). But I deli...
by InMyDreams
Thu Jun 29, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: vetting/finding a financial advisor
Replies: 58
Views: 2136

Re: vetting/finding a financial advisor

many that are registered at napfa are also registered at cfp
http://www.letsmakeaplan.org/

you do need to specify fee-only. I looked for one that was not providing wealth management, so as to avoid an AUM fee

Can you give us a state?
by InMyDreams
Tue Jun 27, 2017 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly Relative Reluctant to give POA
Replies: 30
Views: 2460

Re: Elderly Relative Reluctant to give POA

Sorry for your difficult situation. Relatives who don't accept their diminishing abilities, and won't/can't take the steps needed for their own safety and responsibility (e.g., paying bills), are in a very difficult situation. States vary widely in the laws and regulations about an independent adult...
by InMyDreams
Tue Jun 27, 2017 5:51 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Renewal (or not?)
Replies: 53
Views: 3510

Re: Consumer Reports Renewal (or not?)

I buy it at costco ==> no junk mail anymore.
by InMyDreams
Tue Jun 27, 2017 5:35 pm
Forum: Investing - Theory, News & General
Topic: where to go to learn about investing?
Replies: 20
Views: 1540

Re: where to go to learn about investing?

I have not read Bernstein's The four pillars of investing , but it is highly recommended. +1. Another Bernstein work which is often recommended (but I haven't yet!) If You Can: How Millennials Can Get Rich Slowly , which is a free Kindle download. How to Make Your Money Last . Jane Bryant Quinn - p...
by InMyDreams
Tue Jun 27, 2017 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 51
Views: 3353

Re: Federal Retiree Health Care with/Medicare

I mean that it has been strongly recommended here on the forum that I continue working, even if I don't need the extra money... just to be eligible for federal retiree health care coverage. I would love to retire with Federal retiree health care coverage. It is not just one of the MediGap plans (su...
by InMyDreams
Sat Jun 24, 2017 10:17 pm
Forum: Personal Consumer Issues
Topic: Travel to Kazakhstan - Health Insurance
Replies: 12
Views: 1292

Re: Travel to Kazakhstan - Health Insurance

Also check with your health insurance company to see what coverage you have overseas. +1. When I traveled out-of-country, I relied on my US health insurance, and my disability policy to provide travel insurance (emergency evacuation if needed). The disability policy had a travel insurance rider. Yo...
by InMyDreams
Fri Jun 23, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Is someone trying to steal my identity?
Replies: 32
Views: 3512

Re: Is someone trying to steal my identity?

The government ID Theft website includes use of existing credit cards without permission. The problem that I reported to the police - in the space of 24 hours I had phone calls from 5 or 6 companies, reporting that they were responding to an online query for information or product. The first name of...
by InMyDreams
Thu Jun 22, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: Is someone trying to steal my identity?
Replies: 32
Views: 3512

Re: Is someone trying to steal my identity?

File a police report. When I was worried about id theft - quite a while ago, and with lower level mischief than what you're talking about - I looked up the financial fraud in my local police department and spoke directly to a detective. He advised me to file the report, change my financial account n...
by InMyDreams
Tue Jun 20, 2017 12:46 am
Forum: Investing - Help with Personal Investments
Topic: Help with TIAA-CREF Investment Options
Replies: 6
Views: 529

Re: Help with TIAA-CREF Investment Options

These are the steps I take after I log in: My Account -> Research Investments In the View box, select the desired account; leave My Accounts box untouched (“All of My Accounts”); do not check “Only view investments your are invested in” I have the option of 21 Vanguard funds, almost all of them Admi...
by InMyDreams
Mon Jun 19, 2017 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Help with TIAA-CREF Investment Options
Replies: 6
Views: 529

Re: Help with TIAA-CREF Investment Options

I have funds at TIAA - two contracts. Also at Vanguard. And that other company that my current employer likes. I have access to many Vanguard funds at TIAA. Have you been able to find your complete list of funds that are open to you for each of your contracts? It is available within your account/log...
by InMyDreams
Sat Jun 17, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 17674

Re: Siblings in disagreement over mom's house.

Anything else would scar the family forever. Condon's book, Beyond the Grave , makes this point repeatedly. It's unlikely that a parent deliberately set about to create this tension, but it is the likely outcome when the heirs have different objectives. So, the threes need to decide (individually o...
by InMyDreams
Sat Jun 17, 2017 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 17674

Re: Siblings in disagreement over mom's house.

Arbitration? I've never tried it, but maybe others can comment?
by InMyDreams
Fri Jun 16, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary designations for trust
Replies: 15
Views: 1054

Re: Beneficiary designations for trust

I've had a similar problem with my employer's 401k provider. Their website didn't want to accept beneficiaries without Social Security numbers - I first encountered it when I wouldn't give the numbers for my relatives, and then I didn't have an EID (and didn't want one) for my trust. When I talked t...
by InMyDreams
Thu Jun 15, 2017 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Genetic testing and insurance
Replies: 18
Views: 1766

Re: Genetic testing and insurance

You may be interested in the GINA law: https://en.wikipedia.org/wiki/Genetic_Information_Nondiscrimination_Act but I believe it only applies to Health Insurance and Employment Discrimination. I haven't heard of anyone reporting difficulties in obtaining insurance based on results from the Big Three ...
by InMyDreams
Fri Jun 09, 2017 9:31 am
Forum: Investing - Theory, News & General
Topic: Why You Still Can’t Trust Your Financial Adviser
Replies: 54
Views: 5817

Re: Why You Still Can’t Trust Your Financial Adviser

How much should someone pay an advisor for what is, at MOST, 4 hours a year of time? Mine charges about $200/hr; anticipated hrs for the annual review ~5 hrs. CFP/NAPFA. No assets under management. Fee-only. She is using MoneyGuidePro. She's advising me to use indexed funds - too many of them for B...
by InMyDreams
Thu Jun 08, 2017 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with a personal finance cynic
Replies: 109
Views: 6131

Re: How to deal with a personal finance cynic

My nephew (age 30) mentioned Mr. Money Mustache (MMM) several times when I saw him earlier this year. My nephew pulls a good salary, tho his work security might be a bit shaky at the moment. I think MMM appeals to him on several levels - his generation doesn't think social security or pensions are g...
by InMyDreams
Tue Jun 06, 2017 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help with choosing Financial Planning / Investment Firm
Replies: 15
Views: 1021

Re: Help with choosing Financial Planning / Investment Firm

You may be interested in this thread:
viewtopic.php?t=220153

Send me a PM if you'd like the name of my CFP
by InMyDreams
Sun Jun 04, 2017 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Why not go all-in-for-fixed-income to non-liquid TIAA Traditional?
Replies: 34
Views: 1498

Re: Why not go all-in-for-fixed-income to non-liquid TIAA Traditional?

It's not wrong. The question is, what do you want to do? In exchange for that decreased volatility/guaranteed return rate, you'll also lose liquidity as well as the bond market highs (tho TIAA does go up). But it is really illiquid. You cannot pull out Traditional until age 60 - tho you can annuitiz...
by InMyDreams
Sun Jun 04, 2017 12:04 am
Forum: Personal Finance (Not Investing)
Topic: What Will Home Care Cost?
Replies: 25
Views: 2543

Re: What Will Home Care Cost?

I'm sorry this is such a difficult time. It's a steep learning curve - you're getting the crash course that usually takes nursing students a term or more to comprehend. I hope you have good social work resources at her current facility. They should be able to give you good ideas about her care needs...
by InMyDreams
Sat Jun 03, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: How does a mere mortal navigate healthcare/insurance issues
Replies: 50
Views: 4678

Re: How does a mere mortal navigate healthcare/insurance issues

You go into one, get ready, and he came in with a nurse/assistant. Just two of them. The Gastroenterologist administered the IV drugs himself, did the Colonoscopy - and move to the other procedure room. Then I would get dressed, he would tell me what he did and did not find and I was on my way. I w...
by InMyDreams
Sat Jun 03, 2017 12:07 am
Forum: Personal Finance (Not Investing)
Topic: What Will Home Care Cost?
Replies: 25
Views: 2543

Re: What Will Home Care Cost?

Speak to the social worker or case manager at either or both of those places about what types of care and how much of it your wife needs and to help with planning. There should be some kind of standardized assessment form that is used that indicates what kind and how much care your wife needs when ...
by InMyDreams
Fri Jun 02, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: How does a mere mortal navigate healthcare/insurance issues
Replies: 50
Views: 4678

Re: How does a mere mortal navigate healthcare/insurance issues

I honestly don't know how people deal with the system. I consider myself an informed medical consumer. I just went through an 18 month battle with my health insurance company over money they owed me. I must have spent 40 hours on the phone with them over that time. It is terrible. I don't know what...
by InMyDreams
Thu Jun 01, 2017 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Financial advisor in Houston
Replies: 11
Views: 1476

Re: Financial advisor in Houston

We don't know the complexities of your situation, nor the time you have available to devote to the question. I went to a fee-only CFP, and was happy I did. I'll probably consult here again this year, but not sure about long-term. I specifically searched the CFP site for someone who was not only a fe...
by InMyDreams
Wed May 31, 2017 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: How does a mere mortal navigate healthcare/insurance issues
Replies: 50
Views: 4678

Re: How does a mere mortal navigate healthcare/insurance issues

In my network, all providers are required to accept as in-network what the hospital accepts as in-network. Hmm, aren't colonoscopies part of routine screenings, covered under ACA? Ask CIGNA how you are supposed to know. Yes, since you're not working under my kind of system, Ask, Ask, and Ask again. ...
by InMyDreams
Wed May 31, 2017 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Senility: How do you plan on protecting your money when you lose your mental capacities?
Replies: 72
Views: 6024

Re: Senility: How do you plan on protecting your money when you lose your mental capacities?

Recommended reading in another thread, read Beyond the Grave , J Condon. He doesn't do much to address single persons, but it does give ideas. Altho his focus is keeping the peace with family members after you're gone, he does provide a fair amount of information about managing assets before you &am...
by InMyDreams
Wed May 31, 2017 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/403b & 457 - TIAA-CREF or Fidelity
Replies: 27
Views: 1516

Re: Help w/403b & 457 - TIAA-CREF or Fidelity

Combining into one account/company may be simpler to manage, but your contracts may not require you to move. My impression is that most BH members are not huge TIAA fans, but I would mention to points: * TIAA traditional has guaranteed returns, plus whatever additional $$ that the Board decides it h...
by InMyDreams
Tue May 30, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Recommendations for moisturizing lotions that don't feel greasy
Replies: 37
Views: 3009

Re: Recommendations for moisturizing lotions that don't feel greasy

Eucerin cream... works great, is relatively inexpensive, and has no fragrance +1 - use it sparingly, and rub it in. I dislike "lotions" and feel that they wash off with just one hand washing. And as Rupert said - Eucerin cream - they also make lotions, but that's not what I'm talking about.
by InMyDreams
Sun May 21, 2017 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Galapagos Trip, Suggestions
Replies: 17
Views: 1729

Re: Galapagos Trip, Suggestions

Went on a combined trip (Machu Picchu/Galapagos) in March 2015 with Overseas Adventure Travels. The water is warm in March. Small ship - we were 12 passengers plus guide. Crew of 9. We were coddled. Get a cabin that's upstairs. They charged us a bit more, but it was worth it! Not enough time. The sh...
by InMyDreams
Sat May 20, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Insect repellent
Replies: 14
Views: 1114

Re: Insect repellent

Make sure she gets all the shots including HepA/HepB. And typhoid (capsules!) and... Really a good travel clinic may provide amazing information. A co-workers young niece/nephew have returned early from their China volunteer project d/t gastrointestinal issues that have lasted a couple of months (t...
by InMyDreams
Fri May 19, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Insect repellent
Replies: 14
Views: 1114

Re: Insect repellent

A small, battery operated fan may be useful, too. Or one that can plug in (voltages in China? not sure).

And visit your local travel clinic, if that's not already in the works. My travel clinic actually sold me my insect repellent before my last trip.
by InMyDreams
Fri May 19, 2017 12:50 am
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 58
Views: 5052

Re: TIAA financial advisor?

I had two meetings with a WMA last year. I've been perplexed about handling $$ at three different companies in different types of plans, and trying to figure out whether I really have enough to retire (early? 65? 66?). First meeting was good, and there were assurances that the WMA was not commission...
by InMyDreams
Tue May 16, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 48
Views: 5051

Re: Doctor wants Social Security number

My new Medicare card just came a few days ago and my Social Security number is on it. Coming, but not yet implemented. " A new Medicare card is coming, one that will no longer display a cardholder’s Social Security number, or SSN." .... The bill gives HHS four years to issue modernized ca...
by InMyDreams
Mon May 15, 2017 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 48
Views: 5051

Re: Doctor wants Social Security number

Oh, and - Medicare is supposed to start using a non-ssn number on Medicare cards in the next few years, beginning with the newest enrollees, and slowly converting previously issued cards.
by InMyDreams
Mon May 15, 2017 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 48
Views: 5051

Re: Doctor wants Social Security number

I took my pet to the emergency vet hospital one evening (why do they always wait until the usual vet is closed?). They required me to give my SSN. I refused, and they refused to provide service without it. I went to another facility. They too requested my SSN, but accepted my CC without it. I think ...
by InMyDreams
Sat May 13, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: best genealogy test for geographic origin
Replies: 9
Views: 959

Re: best genealogy test for geographic origin

You may be interested in this page from the ISOGG wiki https://isogg.org/wiki/Understanding_genetic_ancestry_testing I would add: genetic genealogy is a bootstrap affair, by which I mean: to find an ancestor/ancestral line, you are looking for other cousins, building family trees, and looking for co...
by InMyDreams
Fri May 12, 2017 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: How specific/specialized is your Living Will?
Replies: 22
Views: 1286

Re: How specific/specialized is your Living Will?

I have read about a person who set up a guardian ad litem in advance, when they still had the faculties. And I've had a patient who clearly did not have it all together, who was accompanied by a representative from his GAL service - not the lawyer, but a medical representative hired by the GAL. If y...
by InMyDreams
Fri May 12, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 118
Views: 15636

Re: Best DNA genealogy testing kits

Hey guys.. i was wondering if someone can guide me on which test is best for finding out health information? I'm not too keen on the family tree thing just want to know which diseases/medical conditions did I inherit. 23andme has had its "health reports" restored. In 2013, the FDA asked 2...
by InMyDreams
Fri May 12, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: How specific/specialized is your Living Will?
Replies: 22
Views: 1286

Re: How specific/specialized is your Living Will?

Five Wishes has become America’s most popular living will because it is written in everyday language and helps start and structure important conversations about care in times of serious illness. ..... Five Wishes will raise many issues for your consideration. You can use it as your living will and ...
by InMyDreams
Thu May 11, 2017 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: How specific/specialized is your Living Will?
Replies: 22
Views: 1286

Re: How specific/specialized is your Living Will?

you may be interested in this:
https://agingwithdignity.org/five-wishe ... ive-wishes

I don't know much about this website, but I did hear an interview from its founder:
https://www.gyst.com/checklist/#list-your-living-will

the co-founder:
https://www.gyst.com/about

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