Search found 108 matches

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: 1111

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: 8878

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: 1111

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: 12
Views: 839

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: 1471

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: 2419

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: 1471

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: 27
Views: 1941

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: 27
Views: 1941

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: 1834

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: 9573

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: 9573

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.
by InMyDreams
Sat Aug 26, 2017 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Transitioning management of investments as cognitive ability declines
Replies: 46
Views: 4023

Re: Transitioning management of investments as cognitive ability declines

My father turned over management of his Vanguard accounts to a Vanguard manager. I'm not sure, but I think this may be above and beyond the usual PAS. Vanguard invests based on my father's preference for asset allocation. My brother has been added on to see my father's accounts, and the advisor has ...
by InMyDreams
Sat Aug 26, 2017 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Advantages/disadvantages of using roth for nonretirement
Replies: 14
Views: 1331

Re: Advantages/disadvantages of using roth for nonretirement

and, of course, putting into the Roth instead of a taxable account, uses your annual opportunity to add money to a non-taxable account. You can't carry over that opportunity to a new year...
by InMyDreams
Thu Aug 24, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: I've fallen and I can't get up -- recommendations?
Replies: 42
Views: 5762

Re: I've fallen and I can't get up -- recommendations?

Is he a vet? I've heard that the VA has free (or low cost?) emergency buttons
by InMyDreams
Thu Aug 24, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: School Redistricting - What should we do?
Replies: 96
Views: 7208

Re: School Redistricting - What should we do?

There was a high school closing years ago in my city. The redistricting took kids from a "best" school to the "worst" school. The story that I've heard - the parents of the transferred students worked with the school to develop an international baccalaureate degree. Years later, I know people who mo...
by InMyDreams
Thu Aug 24, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: What should the savings be for an average professional
Replies: 167
Views: 15805

Re: What should the savings be for an average professional

Another way to view accumulation -
Bernstein recommends saving 15% of all earnings from the beginning of your career, and investing it.
by InMyDreams
Wed Aug 23, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 15811

Re: Jobs that pay over $100,000

Biggest thing with nursing is its stable , relatively high pay, relatively low hours and the pension/union benefits are amazing. Emphasis added. It's funny - I've worked thru several recessions. I've seen nurses have their hours cut back (usually when they're looking for more) or not be able to fin...
by InMyDreams
Wed Aug 23, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Finding Life Insurance for "High-Risk" Mother
Replies: 25
Views: 2402

Re: Finding Life Insurance for "High-Risk" Mother

Difficult conversations to be having, but good to tackle them now. May I suggest shopping around? The price of funeral expenses vary widely. Finding the low-cost provider is best done in advance. I'd suggest asking around - your religious leader may be willing to provide a candid observation or two....
by InMyDreams
Tue Aug 22, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14518

Re: How far would you travel to see The Eclipse?

scooterdog wrote:
Tue Aug 22, 2017 6:36 am
catdude wrote:
Mon Aug 21, 2017 1:09 pm
itstoomuch wrote:
Mon Aug 21, 2017 1:02 pm
It is worth it.
Salem OR.
+100
+100
+1. Idaho Falls had perfect weather. And we stayed out of the parking lot on the freeway on the return side, waiting until Tuesday.


And the temperature drop was dramatic.

On to 2024!
by InMyDreams
Sat Aug 19, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 15811

Re: Jobs that pay over $100,000

Suggest reading The Millionaire Next Door - accumulate wealth regardless of income (well, almost!). And one of their other points - many people who have very good incomes do not accumulate much wealth.
by InMyDreams
Fri Aug 18, 2017 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Cancer at 38. Going from high income to no income. Need help generating income from $5m portfolio
Replies: 45
Views: 9491

Re: Cancer at 38. Going from high income to no income. Need help generating income from $5m portfolio

So sorry to hear about this difficult time. I agree strongly with others who have mentioned family - and I would add, social network. Being the caregiver to your husband and (soon to be) two children may well be a full time job. Having someone to lean on may be a saving grace. Your children will nee...
by InMyDreams
Tue Aug 15, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Family Tree Template?
Replies: 9
Views: 875

Re: Family Tree Template?

and deseret book has various paper trees:
https://deseretbook.com/products?utf8=% ... =genealogy

and a synopsis of software, website building and even publishing
https://www.familytreeforum.com/content ... y-Software
by InMyDreams
Tue Aug 15, 2017 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Family Tree Template?
Replies: 9
Views: 875

Re: Family Tree Template?

wikitree.com is another online, free family tree. But it's a wiki - you work on building a single family tree, and everyone can edit profiles (sort of). You can join ancestry.com for free (or take advantage of the free 2-week sub) and build your own tree - public or private. I keep mine on Family Hi...
by InMyDreams
Thu Aug 10, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Advice on picking a dentist
Replies: 19
Views: 1709

Re: Advice on picking a dentist

I asked my hair stylist. Think about it - they meet so many different people, from different walks of life. She found him from one of her clients - a dental assistant, not at the DDS' office, but rather at an endodontist. The dental assistant thought that the DDS' patients had good care.
by InMyDreams
Tue Aug 08, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7690

Re: Aug. 2017 US total eclipse hotel reservations.

And pray for clear skies...
by InMyDreams
Tue Aug 08, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: Advice on trip from SLC > Moab > DEN
Replies: 14
Views: 883

Re: Advice on trip from SLC > Moab > DEN

Float the River? There are commercial outfitters. There's camping along the river, too. October should be nice temps. Hikes near the river camp sites: https://en.wikipedia.org/wiki/Fisher_Towers https://en.wikipedia.org/wiki/Negro_Bill_Canyon = really, that's it's name. It's beautiful, but watch out...
by InMyDreams
Mon Aug 07, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: Santa Fe New Mexico - recommendations
Replies: 26
Views: 1875

Re: Santa Fe New Mexico - recommendations

Bandelier. Jemez. Valle Grande (the sunken Caldera). I have fond memories of The Shed in Santa Fe, but don't know how it's doing now. Garduno's in ABQ used to be the place to eat New Mexican style food, but it had major money problems, & don't know if any of its sites still exist/are worth eating at...
by InMyDreams
Fri Aug 04, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Helping mom with debt, investing, and spending
Replies: 34
Views: 1675

Re: Helping mom with debt, investing, and spending

What's she doing for healthcare insurance? Medicare disability usually doesn't kick in until two (?) years after starting disability. Wikipedia: People qualify for Medicare coverage, and Medicare Part A premiums are entirely waived, if the following circumstances apply: ...They are under 65, disable...
by InMyDreams
Fri Aug 04, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Can my wife afford to stay home?
Replies: 36
Views: 2254

Re: Can my wife afford to stay home?

To me, it's not just an issue of cash flow. Women's lifetime income is affected by the time they are out of the workforce - not just from the money they lose when they are not working, but also because of the loss of job experience and training, and seniority. And in the unlikely event that you sudd...
by InMyDreams
Tue Aug 01, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Florence Hotels.......
Replies: 25
Views: 1470

Re: Florence Hotels.......

My parents went to Florence many times in their retirement. They always stayed at the Bencista
http://www.bencista.com/en/
and celebrated several anniversaries there (in September)
by InMyDreams
Fri Jul 28, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Phone number stolen
Replies: 41
Views: 2868

Re: Phone number stolen

Do any of your insurances offer assistance with ID theft? For instance, some people have it with their home owners. I have it thru a disability policy. They may be able to provide advice and resources.
by InMyDreams
Tue Jul 25, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 8296

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: 60
Views: 3139

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: 711

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 facilitie...
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: 6724

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: 112
Views: 9298

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: 737

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: 27
Views: 2099

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: 4955

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. And I've been to...
by InMyDreams
Sun Jul 09, 2017 11:09 pm
Forum: Personal Consumer Issues
Topic: Family member fleecing Alzheimers victim
Replies: 26
Views: 4955

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: 615

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: 2483

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: 2483

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: 2621

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: 3866

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: 1667

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: 3594

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: 1418

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: 3750

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...