Search found 38 matches

by InMyDreams
Sun May 21, 2017 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Galapagos Trip, Suggestions
Replies: 17
Views: 1514

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: 955

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: 955

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: 4531

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: 4511

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: 4511

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: 4511

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: 780

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: 1114

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: 14781

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: 1114

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: 1114

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
by InMyDreams
Wed May 10, 2017 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Retire Early?? Need a sense check
Replies: 41
Views: 6933

Re: Retire Early?? Need a sense check

The OP has returned! Healthcare 5. I will have to purchase coverage. I estimated $12,000 for premiums and $12,000 for “misc”, to include things like a crown Find a quote for a Marketplace/ACA insurance plan in an area that you would consider moving to. I've looked at a retirement/pre-65/workplace-s...
by InMyDreams
Wed May 10, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Can you suggest a mortgage lender who does not resell
Replies: 67
Views: 4368

Re: Can you suggest a mortgage lender who does not resell

None of my three credit unions sold my loans. Good rates, low fees, right down the street when I want to talk to them, the good feeling that I'm a member... Shop around - credit unions in my area are strong, and accept most community residents to their membership.
by InMyDreams
Wed May 10, 2017 12:18 am
Forum: Personal Consumer Issues
Topic: Expat Retirement Location with Health Care Eligibility
Replies: 30
Views: 2735

Re: Expat Retirement Location with Health Care Eligibility

Only once you're of Medicare-eligible age. If I retire at 60, there's a 7 year period of no Medicare, should my employer-based retiree health care be revoked. Thus the question.... Medicare age-eligibilty is different than SS FRA. Medicare starts at age 65. I met an ex-pat living in Panama - she li...
by InMyDreams
Sun May 07, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Individual health insurance
Replies: 59
Views: 3133

Re: Individual health insurance

I don't think you can buy a policy that doesn't conform with the ACA? The AHCA has only been passed by the House, and the ACA remains in effect. There are mandates for all plans, including covering preexisting conditions. Whether or not you qualify to buy a plan between open enrollments, I'm not sur...
by InMyDreams
Sun May 07, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Southeast Asia for a week, in August first week
Replies: 24
Views: 948

Re: Southeast Asia for a week, in August first week

Total of one week or 7 nights. Not to visit all places / countries. Trying to focus on what we can do for a week, what itinerary, need a relaxing, safe vacation prefer nature, scenery, country side to concrete jungle or developed cities, when possible Yes, and you don't want it to be a series of ge...
by InMyDreams
Sat May 06, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)
Replies: 50
Views: 3064

Re: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)

Options I'm considering: 1. Have my wife take out between $10k and $20k a year in student loans. Because it's post-graduate these would start accruing interest immediately and assuming the interest rate will be in the somewhere between 6% and 8%. Looking outside the box, you might check out PEO Int...
by InMyDreams
Sat May 06, 2017 7:13 pm
Forum: Investing - Theory, News & General
Topic: Are indexed funds overblown?
Replies: 89
Views: 6553

Re: Are indexed funds overblown?

Papijar wrote:Thanks for thinking and talking through this. It's been really helpful.


+1
Not that I understand everything that's been said, but I have absorbed some of it
by InMyDreams
Sat May 06, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Any recommendations for books on Financial Planning?
Replies: 13
Views: 1020

Re: Any recommendations for books on Financial Planning?

Jane Bryant Quinn books are a good place to start. In 30 years someone will ask you the same question and you will answer, "We read JBQ's Making the Most of Your Money and it helped us tremendously." +1 Her 2016 book, How to make your money last . It's a well-rounded book, pretty easy rea...
by InMyDreams
Sat May 06, 2017 12:28 am
Forum: Investing - Theory, News & General
Topic: Are indexed funds overblown?
Replies: 89
Views: 6553

Re: Are indexed funds overblown?

What are your thoughts? How about a little critical analysis? I'm a long time saver, but only recently started to actually invest thoughtfully. I've read Four Pillars and Jane Bryant Quinn's latest book. But this market makes me nervous, and that interview played on some of my worries. Except I don...
by InMyDreams
Fri May 05, 2017 11:15 pm
Forum: Investing - Theory, News & General
Topic: Are indexed funds overblown?
Replies: 89
Views: 6553

Re: Are indexed funds overblown?

jebmke wrote:This is what you'd expect an active manager of a high cost fund to say. Index funds are attacking his livelihood.


He admitted that in the interview.

What about his allegation that indexed funds have hidden costs?
by InMyDreams
Fri May 05, 2017 11:00 pm
Forum: Investing - Theory, News & General
Topic: Are indexed funds overblown?
Replies: 89
Views: 6553

Are indexed funds overblown?

"GLOBAL VALUE INVESTOR DAVID WINTERS RAISES THE ALARM ABOUT THE FLOOD OF MONEY POURING INTO INDEX FUNDS"

http://wealthtrack.com/global-value-inv ... dex-funds/

Bogleheads thoughts?
by InMyDreams
Tue May 02, 2017 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Suspending Social Security Benefits- Will be 66 in June
Replies: 12
Views: 1357

Re: Suspending Social Security Benefits- Will be 66 in June

I will turn 66 in June and want to call SS tomorrow to voluntarily suspend my benefits at FRA (06/17) and earn DRC's (delayed retirement credits until age 70). Assuming you mean: apply and immediately suspend - I have seen this advised, but they didn't give a specific how-to. The rationale for it i...
by InMyDreams
Thu Apr 27, 2017 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?
Replies: 24
Views: 1083

Re: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?

First - you have the right to choose where your lab work is done. It may make your physician unhappy to retrieve your results from a different lab, but you may still choose. Second - I've understood that the insurance company sets the price of a particular lab test in their contract. So, provided th...
by InMyDreams
Wed Apr 26, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 4778

Re: $300+ to remove a racoon. Really?

You have two problems - * get rid of the raccoons * prevent their friends, neighbors and relatives from moving into the abandoned space. If you google PBS NOVA and RACCOONS you may come up with the program they ran about urbanization of raccoons. Kinda discouraging, but gives you an idea of what we'...
by InMyDreams
Sun Apr 23, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: National Parks in Northern CA
Replies: 34
Views: 2276

Re: National Parks in Northern CA

What time of year!!! I was at Crater Lake and Lassen last year about the third week of June - both had snow. It was raining/snowing at Lassen, and the Crater Lake road was not open all the way around the rim to cars (but open to bikes). There's a website to show you what the road status is at Crate...
by InMyDreams
Mon Apr 17, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: Hearing Aid Benefits
Replies: 24
Views: 1794

Re: Hearing Aid Benefits

For financial assistance, perhaps a go-fund-me account? Appreciate the suggestion...where we come from, community charity tends to be reserved for emergencies. I don't go to the site, but I've been amazed by the few requests that I've read there - like a vacation in Europe? This seems like a much m...
by InMyDreams
Mon Apr 17, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 78
Views: 6710

Re: Hearing aid 101

I mentioned this on another thread about hearing aids: My father bought his first hearing aids from Costco - they worked well, and the service transferred when he moved. But a few years later, he finally acted on his ongoing problems, and went to the local teaching hospital's audiology department, a...
by InMyDreams
Fri Apr 14, 2017 11:32 pm
Forum: Personal Consumer Issues
Topic: Hearing Aid Benefits
Replies: 24
Views: 1794

Re: Hearing Aid Benefits

For financial assistance, perhaps a go-fund-me account? My father's first hearing aids were from Costco. They were good, and one huge advantage is that the aftercare moved with him. But he's been more satisfied with the Audiology clinic at our teaching hospital. The audiologist has been fantastic - ...
by InMyDreams
Fri Apr 14, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid heath care surprises?
Replies: 26
Views: 1639

Re: How to avoid heath care surprises?

Different state, and different institution, but the one that I work for attempts to answer cost estimates. They have a telephone number to handle the calls. But - while it may be simple to answer the question - what do you charge me/my insurance for doing a chest xray (one or two view?) or a complet...
by InMyDreams
Sat Apr 08, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Where to go for free or low cost advice?
Replies: 23
Views: 2015

Re: Where to go for free or low cost advice?

Jane Bryant Quinn's latest book - she considers more than just retirement savings (e.g., Social Security, health insurance, life insurance, etc), it's pretty easy reading, she espouses indexed funds, and so on: https://www.amazon.com/Make-Your-Money-Last-Indispensable/dp/1476743770/ref=sr_1_1?ie=UTF...
by InMyDreams
Thu Mar 30, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor fee
Replies: 15
Views: 1819

Re: Advisor fee

I've used a fee-only Certified Financial Planner. She does not provide wealth management - rather she advises how to invest with the funds available to me (in my various accounts - 401k, 403b, etc). She charges a flat hourly fee - she asked for basic information about what I wanted, what I had avail...
by InMyDreams
Wed Mar 01, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: TRP "Fee Credits" [T. Rowe Price]
Replies: 8
Views: 634

Re: TRP "Fee Credits" [T. Rowe Price]

OK, that's good information.
Thank you!
by InMyDreams
Wed Mar 01, 2017 12:26 am
Forum: Investing - Help with Personal Investments
Topic: TRP "Fee Credits" [T. Rowe Price]
Replies: 8
Views: 634

Re: TRP "Fee Credits" [T. Rowe Price]

Did you call the T. Rowe Price 401k number for your policy, or did you call your Plan Sponsor (are they different?) and did you take your paperwork to your HR department and ask them what is this? I would do all these 3 things first. It looks like your Plan Sponsor is in charge of the credits, but ...
by InMyDreams
Tue Feb 28, 2017 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: TRP "Fee Credits" [T. Rowe Price]
Replies: 8
Views: 634

Re: TRP "Fee Credits"

And, am I correct in thinking: I can't roll over a 401k or 403b until I have a Separation of Service from the employer thru whom I have the investment account?
by InMyDreams
Tue Feb 28, 2017 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: TRP "Fee Credits" [T. Rowe Price]
Replies: 8
Views: 634

Re: TRP "Fee Credits"

I could have sworn someone had posted a reply asking if I had called them. So, reluctantly, I did. Still not really sure what it means. He read to me a paragraph that described it. Apparently, the fee structure used for recordkeeping and services was revised during 2016 (now they charge $8 per quart...
by InMyDreams
Tue Feb 28, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: TRP "Fee Credits" [T. Rowe Price]
Replies: 8
Views: 634

TRP "Fee Credits" [T. Rowe Price]

I've received a Plan and Investment Disclosure for my 401k from T Rowe Price. Included is a separate piece of paper which says TRP "provides fee credits to your plan in recognition of the fees TRP RPS and its affiliates receive for providing recordkeeping and shareholder services to your Plan's...

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