Search found 202 matches

by InMyDreams
Sat Feb 24, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: ARAG (or other) Legal Plans, useful? Feedback or reviews?
Replies: 6
Views: 375

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: 2859

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: 2129

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: 572

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: 704

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: 3815

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: 820

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: 296

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: 13402

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: 873

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: 2094

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: 1728

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: 1728

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: 1728

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: 1728

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: 1099

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: 219
Views: 27134

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: 1099

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: 465

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: 1041

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: 1040

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: 1822

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: 1799

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: 1799

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: 1799

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: 1019

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: 10730

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: 1460

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: 1460

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: 4168

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: 6937

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: 6937

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: 36
Views: 2563

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: 1011

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...
by InMyDreams
Thu Dec 21, 2017 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Are pensions protected from sponsoring company's financial woes?
Replies: 8
Views: 1011

Are pensions protected from sponsoring company's financial woes?

My employer is a large 501c3, which still provides a pension benefit to its employees. Concern has been expressed by my co-worker that the company may be under financial stress (I haven't seen anything to substantiate that, but admit that it's possible). This co-worker also thinks that the pension f...
by InMyDreams
Tue Dec 19, 2017 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: opinions requested on student college decision / financial related
Replies: 87
Views: 4437

Re: opinions requested on student college decision / financial related

...These schools though do not offer merit aid; need based aide only... Think outside the box? What private scholarships exist? Google on the internet, but one place you might look is peointernational.org. Also, there will be a state PEO chapter, which will have additional grants and scholarships. ...
by InMyDreams
Sun Dec 17, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Confused about memory care and assisted living
Replies: 14
Views: 1362

Re: Confused about memory care and assisted living

Aid & Attendance Veteran's benefit is available to a veteran or veteran's spouse if the veteran served at the time of a war, even if the veteran did not see action. There is no requirement to have retired from the military, just an honorable discharge. Financial eligibility was tightened up not too ...
by InMyDreams
Wed Dec 13, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Medicare coverage process for new and rare treatment
Replies: 7
Views: 719

Re: Medicare coverage process for new and rare treatment

If your FIL has identified several places that offer the procedure, contact them and ask about coverage. They will have people whose full time job is dealing with Medicare and private insurance. +1 If a provider is asking him to sign an "Advance Beneficiary Notice", that should be a clue that they ...
by InMyDreams
Tue Dec 12, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 43
Views: 3788

Re: Best solution for digitizing documents?

... Doing this requires: 1. A scanner with an automatic document feeder 2. High quality OCR software (optical character recognition for translating images into text) 3. Software that automates file naming and remembers scan options (file type, resolution, single vs. double sheet etc.) 4. Automated ...
by InMyDreams
Tue Dec 12, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Is TIAA-CREF one of the "good guys"?
Replies: 62
Views: 13394

Re: Is TIAA-CREF one of the "good guys"?

Does anyone have personal experience with TIAA-CREF's Individual Advisory Services? That's the fee for asset-under-management group, right? I narrowly avoided it. I had a meeting with a Wealth Management Advisor, asking for retirement planning and asset allocation advice. The next meeting, the WMA ...
by InMyDreams
Tue Dec 12, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 83
Views: 7114

Re: Ancestry / 23andMe

They were pretty unimpressed with inexpensive DNA tests except for some special situations like for adopted people and when there were several people named "John Smith" in the same city and you could not figure out which "John Smith" was your relative. In that situation you might be able to match y...
by InMyDreams
Tue Dec 12, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 83
Views: 7114

Re: Ancestry / 23andMe

I would be cautious about putting a lot of work into a family tree on Ancestery.com since there is an annual subscription fee and you would need to figure what happens with all your work if you want stop paying that fee. I am not sure how that works. Your login continues to work on Ancestry when yo...
by InMyDreams
Tue Dec 12, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 83
Views: 7114

Re: Ancestry / 23andMe

What are your goals? You mention genealogy, but I would distinguish between genealogy and ethnicity/genetic heritage. There are three big players in genetic-gen testing (23andme, AncestryDNA & familytreeDNA). All three have sales right now. ftDNA is probably the least expensive. MyHeritage and Livin...
by InMyDreams
Sat Dec 09, 2017 1:06 am
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3965

Re: Please suggest a dry hands product

I don't think anyone has mentioned Cetaphil - use it instead of soap. The cleanser that is. https://www.amazon.com/Cetaphil-Gentle-Cleanser-Skin-Types/dp/B0731D4FT3/ref=sr_1_4_a_it?ie=UTF8&qid=1512799619&sr=8-4&keywords=cetaphil&th=1 I think I understand that you just apply and wipe off - no water. ...
by InMyDreams
Sat Dec 09, 2017 12:33 am
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3965

Re: Please suggest a dry hands product

At night, liberally putting tons of Vaseline or aquaphor onto the hands, then put on socks onto the hands and leave it on till morning (so not to stain the sheets). I do this when my hands feel super dry and it helps a lot +1, Aquaphor/Eucerin or the generic equivalent. I use the stuff habitually, ...
by InMyDreams
Fri Dec 08, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Planning A Trip to French Polynesia - (Society Islands)
Replies: 14
Views: 948

Re: Planning A Trip to French Polynesia - (Society Islands)

If you look at almanacs for average days of rainfall, you'll see that it rains most days in Tahiti. The few days I was there - the mornings started out clear, the clouds built up a bit, in mid-afternoon there was a brief shower. Done. Locals didn't even carry an umbrella. The point being - casual no...
by InMyDreams
Fri Dec 08, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3965

Re: Please suggest a dry hands product

When I work I wash hundreds of times a day with ETOH. Winter bothers me some, I mix simple moisturizers with vaseline, maybe a teaspoon of each. One helps, one protects. At my work place, we use Avagard - the one with emollients. Hands seem to tolerate it quite well, better than the same number of ...
by InMyDreams
Fri Dec 08, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3965

Re: Please suggest a dry hands product

Something I've seen recommended for dry, cracked feet: Amlactin - should work on hands, too. https://www.amazon.com/AmLactin-12-Moisturizing-Lotion/dp/B000TTPZQ6 They sell it at Costco, too. Made my feet itch, but others swear by it. Combination of products, used at different times of day? I like Eu...
by InMyDreams
Fri Dec 08, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3965

Re: Please suggest a dry hands product

At night, liberally putting tons of Vaseline or aquaphor onto the hands, then put on socks onto the hands and leave it on till morning (so not to stain the sheets). I do this when my hands feel super dry and it helps a lot +1, Aquaphor/Eucerin or the generic equivalent. I use the stuff habitually, ...
by InMyDreams
Fri Dec 08, 2017 1:02 pm
Forum: Forum Issues and Administration
Topic: Thank you Admins
Replies: 28
Views: 2697

Re: Thank you Admins

+1. The moderators are amazing - thank you all for your diligence!