Search found 630 matches

by InMyDreams
Mon Nov 18, 2019 10:08 pm
Forum: Personal Consumer Issues
Topic: Looking for a charity giving Christmas experience
Replies: 18
Views: 857

Re: Looking for a charity giving Christmas experience

So many good choices, but one of the several good organizations that I give to is Donors Choose - you can choose the school project that appeals to you:
http://www.donorschoose.org/
by InMyDreams
Sat Nov 16, 2019 8:27 pm
Forum: Personal Consumer Issues
Topic: Digitizing Old Family Photos
Replies: 32
Views: 2219

Re: Digitizing Old Family Photos

I could cry when I think of the family photos that have been thrown away that were never duplicated nor scanned :( Although I have some regrets about losing one particular box (my fault), it's tempered by the knowledge that I'm the last person in my family, so nobody else will be disappointed by th...
by InMyDreams
Fri Nov 15, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Options for great aunt ($0 net worth, low income, retired)
Replies: 23
Views: 3199

Re: Options for great aunt ($0 net worth, low income, retired)

My county's aging services also has employment for seniors. It's not much, basically visiting other seniors, but it generates a small pay check.
by InMyDreams
Fri Nov 15, 2019 6:39 pm
Forum: Personal Consumer Issues
Topic: Digitizing Old Family Photos
Replies: 32
Views: 2219

Re: Digitizing Old Family Photos

And if they have profiles on findagrave.com (which you could create, if not), you could upload the photos there. I'd be wary of DVD, by the way. That's basically a dead format now. Or WikiTree, or FamilySearch, or Geni, or several other one-tree websites. I could cry when I think of the family phot...
by InMyDreams
Thu Nov 14, 2019 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Options for great aunt ($0 net worth, low income, retired)
Replies: 23
Views: 3199

Re: Options for great aunt ($0 net worth, low income, retired)

themuse wrote:
Thu Nov 14, 2019 12:16 pm
Just wanted to say thank you for taking care of your elderly relative.
+1000
by InMyDreams
Thu Nov 14, 2019 10:28 pm
Forum: Personal Consumer Issues
Topic: Digitizing Old Family Photos
Replies: 32
Views: 2219

Re: Digitizing Old Family Photos

I would definitely not discard the originals, especially of the very old photos. Those are not replaceable. +1 If you don't want to keep the originals after scanning them - is there a local Historical or Genealogy Society that might take them? What about distant cousins? If you need help finding th...
by InMyDreams
Thu Nov 14, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Forgotten Expenses in Retirement--Travel
Replies: 32
Views: 2622

Re: Forgotten Expenses in Retirement--Travel

60-70 are our GO-GO years and our budget ($25,000 in real dollars) is 3 times what we expect to spend from 70-90. Might have to readjust, but planning 20-30 years out is rarely accurate. My parents continued their travels well into their 80s - usually one distant foreign trip (e.g., Asia or Europe)...
by InMyDreams
Thu Nov 14, 2019 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Options for great aunt ($0 net worth, low income, retired)
Replies: 23
Views: 3199

Re: Options for great aunt ($0 net worth, low income, retired)

Multiple significant health issues, including reduced mobility. - Multiple pets, will not consider Section 8 or other low-income housing options due to pet-related constraints. There's also a real possibility of needing long-term care before too long, and we're not familiar with the options in this...
by InMyDreams
Tue Nov 12, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Amica - Auto Policy, only 6 months
Replies: 37
Views: 2472

Re: Amica - Auto Policy, only 6 months

Amica - my one-year renewal is due 16 Nov. Just paid it.
by InMyDreams
Tue Nov 05, 2019 12:11 am
Forum: Personal Consumer Issues
Topic: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?
Replies: 29
Views: 2672

Re: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?

smectym wrote:
Mon Nov 04, 2019 11:57 pm
OP probably isn’t asking about domestic sparkling, but it can’t hurt to point out Piper Sonoma Brut is shockingly good (and very dry) at well under $20. I’ve seen it at $16 but never under $15, though.
Gruet sparkling wine, often under $16
https://en.wikipedia.org/wiki/Gruet_Winery
by InMyDreams
Sun Oct 27, 2019 10:21 pm
Forum: Personal Consumer Issues
Topic: Part D Drug Plan - chemotherapy drugs not covered?
Replies: 10
Views: 1223

Re: Part D Drug Plan - chemotherapy drugs not covered?

Steelersfan wrote:
Sun Oct 27, 2019 5:51 pm
ester wrote:
Sun Oct 27, 2019 5:29 pm
I believe chemo is covered under Medicare Part B
Yup

https://www.medicare.gov/coverage/chemotherapy
And the coverage outlined mentions hospitals, doctor's offices and clinics.

Lotsa new chemo drugs are taken at home and purchased at a pharmacy. Does anyone know how those are covered?
by InMyDreams
Sat Oct 26, 2019 11:04 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 163
Views: 21966

Re: What have you baked recently?

It's time to pick apple trees here. And I don't treat my trees, so slice and dice is the best approach. Plus - what do you do with all of them? Freezer pie! And have the taste of summer any time. Lemon-Apple Pie Filling 6 Cups peeled and sliced apples 2T Cornstarch 1/2C brown sugar 2t Lemon zest Jui...
by InMyDreams
Mon Oct 21, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of hiring a financial planner - any advice?
Replies: 29
Views: 2150

Re: Thinking of hiring a financial planner - any advice?

I am curious how people here have gone about the process of finding someone, what their experience was, etc. 3 years ago I thought I was at a point that I could pull the trigger. Seemed important to get it right :wink: . I had not found BH at that time. I started browsing the CFP and NAPFA sites fo...
by InMyDreams
Fri Oct 18, 2019 11:18 pm
Forum: Investing - Theory, News & General
Topic: Edward Jones presentation at the senior center
Replies: 44
Views: 6565

Re: Edward Jones presentation at the senior center

The problem is the setting. If people had signed up for a "free" dinner, or even if they had done a community ed class, there would have been an expectation of sales, some understanding that the presenter might be focused on his/her own interests. But a senior center is a place where presentations w...
by InMyDreams
Wed Oct 16, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: I thought Pyrex glass food storage containers were supposed to be durable?
Replies: 35
Views: 3831

Re: I thought Pyrex glass food storage containers were supposed to be durable?

BarbaricYawp wrote:
Tue Oct 15, 2019 2:32 pm
Our 'daily dishes' are a set of blue and white ironware plates, designed by Eva Zeisel and discontinued in 1965. They are just beautiful, as well as durable. Wish I could find more.
You've looked here?
https://www.replacements.com/search/?query=zeisel
by InMyDreams
Tue Oct 08, 2019 10:11 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 384
Views: 55722

Re: Roll Call for the Retirement Class of 2019!

Perhaps some may not consider this "retirement" - but I will! Cutting back to ~1 day/week beginning mid January 2019. Yippee! And at year's end, full retirement. Mixed feelings, but I think it's time. I really feel with the two recent threads about beginning to spend your nest egg - it's difficult!
by InMyDreams
Sun Sep 29, 2019 9:38 pm
Forum: Personal Investments
Topic: Mother laid off without retirement savings
Replies: 24
Views: 5695

Re: Mother laid off without retirement savings

Various groups may offer assistance to 50+ job seekers. I thought AARP had such a program, but you'll need to search their website. The state work force office (or whatever the term is in your state) may offer some training as well. It must be a blow for her! I hope she can get a glowing letter of r...
by InMyDreams
Thu Sep 26, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4981

Re: Protection From Catastrophic Medical Costs When Fully Insured

Artsdoctor wrote:
Thu Sep 26, 2019 12:07 pm
I'm trying very hard to understand the sequence of events here.
Take a look at the NPR report that I linked. OP mentioned extra-ordinary monitoring during a procedure and this report has a similar theme.

But not to the tune of $500k or more...
by InMyDreams
Thu Sep 26, 2019 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4981

Re: Protection From Catastrophic Medical Costs When Fully Insured

But my post is not about what he can or can't do, it's how does one protect assets with what is in place today. Support legislative change. Seriously. You can try to do thorough research, but even that is not a guarantee against something sneaking in, or needing out-of-network services. I doubt the...
by InMyDreams
Thu Sep 26, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4981

Re: Protection From Catastrophic Medical Costs When Fully Insured

I do remember seeing a recent report of a patient in surgery requiring specialized monitoring during surgery and receiving a surprise billing for that monitoring. I don't think it had a satisfactory result (the investigative report, that is), and I think it was a national network report (meaning, n...
by InMyDreams
Thu Sep 26, 2019 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4981

Re: Protection From Catastrophic Medical Costs When Fully Insured

But my question is, this can happen, how does one protect/insure against it if they have assets. My in-network provider requires providers practicing within its facilities to accept all patients that are in-network to the hospital as in-network to the provider. Anesthesia, radiology, ED physicians ...
by InMyDreams
Thu Sep 26, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4981

Re: Protection From Catastrophic Medical Costs When Fully Insured

Hi all, I have a relative who went to an emergency room at an "in network" hospital, he was fully insured at work. He has a bill for $550K, in which his insurance paid $7K "out of network" (what they deemed reasonable). His out of pocket max was around $20K. Yet, apparently, he has to pay the balan...
by InMyDreams
Tue Sep 24, 2019 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Quiz: How Well Do You Know Social Security
Replies: 37
Views: 3511

Re: Quiz: How Well Do You Know Social Security

I thought of the first 3 digits of a SSN like part of a routing number on a check, the part which indicates which banking region in the federal system the check is sent to (remember the movie "Catch Me If You Can"?). Except that the first 3 digits are no longer assigned by applicant's geographic ar...
by InMyDreams
Mon Sep 23, 2019 11:14 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9582

Re: Physical activity suggestions for a non athletic youth

We went horseback riding on vacation one summer and he enjoyed that. But is that really a workout? Is weight lifting too early for an 11 year old? We’ve looked at swimming but he can’t make it all the way across the pool which is a requirement for a swim team. Private lessons are super hard to come...
by InMyDreams
Thu Sep 19, 2019 1:17 pm
Forum: Personal Investments
Topic: Newly widowed need investment advice
Replies: 35
Views: 2208

Re: Newly widowed need investment advice

Consider Planvision. which is an advice-only financial advisor at a very low fee. Search for it in the google search box in upper right hand corner to find more details in other threads. It also gives you access to planning software. I am considering doing it just for the low-cost access to the pla...
by InMyDreams
Wed Sep 18, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 4161

Re: International Medical emergency story [travel to Canada, no insurance]

biscuits wrote:
Tue Sep 17, 2019 8:15 pm
...I found out that it is not easy--just figuring out how where and how to file the request takes a while. I have no idea why they don't just stamp your passport anymore.
I wonder if this is something your congressperson could assist with?
by InMyDreams
Tue Sep 17, 2019 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: "End of Life" Issues
Replies: 30
Views: 3270

Re: "End of Life" Issues

There are so many factors in "withdrawing therapy". Circumstances. Family. Doctor. Hospital. State law. Federal law. Remember Terry Schiavo? https://en.wikipedia.org/wiki/Terri_Schiavo_case I've seen therapy withdrawn a few times, and been on the periphery of the decision making a few more. There ar...
by InMyDreams
Tue Sep 17, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Insurance Issues - suggestions?
Replies: 16
Views: 1002

Re: Insurance Issues - suggestions?

However, from the hospital I was told the cost could be in " multiple tens of thousands for everything" Wow. I wonder if there's a practice near you that might work with an oral surgeon's office/clinic, that can provide conscious sedation at a reasonable price? Have you spoken with your dentist aga...
by InMyDreams
Mon Sep 16, 2019 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Live in MA, Need 2.5 years health insurance until Medicare
Replies: 38
Views: 2520

Re: Live in MA, Need 2.5 years health insurance until Medicare

557880yvi wrote:
Mon Sep 16, 2019 10:03 am
but it has been extremely frustrating to use the site
Some people find this site easier to use:
https://www.healthsherpa.com/
by InMyDreams
Wed Sep 11, 2019 6:20 pm
Forum: Personal Investments
Topic: Can't do this alone-need a financial planner-please help!
Replies: 50
Views: 10796

Re: Update with portfolio details

i currently have a toddler and a newborn. i'm working part time (on 1099, my pre-tax income was $90,000 last year) ... I'm married and recently separated- since the separation 6 months ago i've been paying all expenses for me and my 2 children independently. i filed taxes married filing separately ...
by InMyDreams
Mon Sep 09, 2019 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Timing Help
Replies: 14
Views: 1005

Re: Retirement Timing Help

your expenses (which must include medical insurance until Medicare, You may be able to estimate costs of an ACA based plan on Sherpa www.healthsherpa.com I have chosen to keep an employer based plan because Congress has taken aim at the ACA several times, and there's a court case about the ACA that...
by InMyDreams
Sun Sep 08, 2019 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Surviving Parent Remarrying - What To Do?
Replies: 40
Views: 5461

Re: Surviving Parent Remarrying - What To Do?

OP - I hope your parent takes time to fully understand the financial and personal commitments that remarrying means. A spouse may be financially obligated to assist the new mate - e.g., long term care - that may drain your parent's financial well-being. Also, the emotional burden of caring for a chr...
by InMyDreams
Fri Aug 30, 2019 7:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor
Replies: 28
Views: 2006

Re: Vanguard Personal Advisor

Freefun wrote:
Fri Aug 30, 2019 3:34 pm
I’m starting to feel bad that I’m the only one not getting ads for PAS.
I get postcards!
by InMyDreams
Fri Aug 30, 2019 10:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor
Replies: 28
Views: 2006

Re: Vanguard Personal Advisor

I’d like to hear from someone with experience with Vanguard PAS. Do they just help with asset allocation? My father has been with VG PAS for ~5yrs. I believe they did the usual assessment when he started with them re: risk tolerance and goals, then presented to him what they suggested. It has been ...
by InMyDreams
Fri Aug 30, 2019 10:34 am
Forum: Personal Investments
Topic: $1,000 a month or $180,000 Pension Question
Replies: 55
Views: 5870

Re: $1,000 a month or $180,000 Pension Question

Keep an eye on the taxes on each of those. LEO pensions are eligible for exclusions:
https://support.taxslayerpro.com/hc/en- ... -Exclusion

and the taxaide calculator:
https://cotaxaide.org/tools/Annuity%20Calculator.html
by InMyDreams
Tue Aug 27, 2019 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Aid Volunteering for AARP or VITA
Replies: 52
Views: 2986

Re: Tax Aid Volunteering for AARP or VITA

OP - I was an intake person in 2018, and first year tax preparer in 2019. Nice group of people to work with, interesting and educational work. I look forward to repeating in 2020. No country club at the three sites I've been at. I saw clients who aren't required to file - not enough income. People w...
by InMyDreams
Sun Aug 18, 2019 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 18622

Re: Are you a "solo ager?"

...your nieces & nephews might be motivated by for less-than-altruistic reasons to "be there for you" in the hope/expectation that you'll leave them a sizeable inheritance. I've seen the opposite, too - the family household, including the care-dependent person, was relying on the income that the de...
by InMyDreams
Fri Aug 16, 2019 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: question about Anthem announcement: not paying for outpatient MRI and CT
Replies: 14
Views: 2006

Re: question about Anthem announcement: not paying for outpatient MRI and CT

About radiologist quality. That’s difficult. Your referring doctor usually will have some idea. Heavens, I'm not even allowed to request a specific radiologist to read my mammo. I can only imagine what would happen if I started inquiring about the qualifications of the radiologist reading my MRI...
by InMyDreams
Fri Aug 16, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Financial planning tools - MaxiFi, Fire Calc, etc?
Replies: 33
Views: 2696

Re: Financial planning tools - MaxiFi, Fire Calc, etc?

OK, not what you've asked for, but low cost review that some have reported as useful:
https://planvisionmn.com/

$96/year. Oops, their site says the first year is $134 now. I haven't used it, but I believe you input all your data, which remains available to you while you continue with the service.
by InMyDreams
Thu Aug 15, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: Family Practice going member only Pros & Cons?
Replies: 53
Views: 3588

Re: Family Practice going member only Pros & Cons?

I see frequent turnover in PCPs. They move to another city/state; they change their clinic (and therefore, the insurance that will pay for the visit); they move out of clinical practice, and start doing computer work, quality assurance, research, and ???). To me, it is a symptom of a bigger problem:...
by InMyDreams
Wed Aug 14, 2019 5:23 pm
Forum: Personal Investments
Topic: Investing Father's Assets Who Is In Nursing Home (POA)
Replies: 68
Views: 4768

Re: Investing Father's Assets Who Is In Nursing Home (POA)

The one number that jumped out at me was the $5K / month facility spend. Assuming you're in the US, this is actually a lot less expensive than I've seen. Are you in a very LCOL area? My parent is in a MCOL area and it's $9K / month. Out of an abundance of caution I'd look into how sustainable that ...
by InMyDreams
Sun Aug 11, 2019 12:42 am
Forum: Personal Finance (Not Investing)
Topic: NP degree worth the investment?
Replies: 62
Views: 5643

Re: NP degree worth the investment?

3. To the person who asked about what she wants to do, she is torn, but as one poster said, she thinks being an NP will lead to more 9-5 jobs rather than the 12 our weekend shifts and overnight shifts she does now (and hates) at the hospital. There are RN jobs that are M-F: Same day surgery, wound ...
by InMyDreams
Sun Aug 11, 2019 12:27 am
Forum: Personal Consumer Issues
Topic: Does Medicare pay claims submitted after death for services incurred while alive?
Replies: 5
Views: 743

Re: Does Medicare pay claims submitted after death for services incurred while alive?

"Section 6404 of the Patient Protection and Affordable Care Act (the Affordable Care Act) reduced the maximum period for submission of all Medicare fee-for-service claims to no more than 12 months, or 1 calendar year, after the date of service. " https://www.cms.gov/Regulations-and-Guidance/Guidance...
by InMyDreams
Fri Aug 09, 2019 10:13 pm
Forum: Personal Consumer Issues
Topic: Where did my doctor go?
Replies: 41
Views: 3760

Re: Where did my doctor go?

Sometimes physicians have non-compete clauses, too. I've seen a couple who had 6 months out of local practice before starting in a new, local practice. Perhaps your PCP will be in that group? But yes, burnout often leads MDs to alternative work - computing, quality assurance, etc.
by InMyDreams
Fri Aug 09, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 9963

Re: Critique my exercise routine because it's not working for me

Does your nearest university have a sports clinic? check to see if they consult with the public. you could do a body composition analysis (bodpod is a good choice) and get workout recommendations from people who understand the science. failing that, look for a well-qualified trainer. if at all possi...
by InMyDreams
Fri Aug 09, 2019 1:53 pm
Forum: Personal Investments
Topic: Helping my CSRS parent navigate meeting with Raymond James CFP
Replies: 35
Views: 3399

Re: Helping my CSRS parent navigate meeting with Raymond James CFP

so we contacted the only CFP in the area with the specific certificate related to this pension program. But you could online consult with someone outside the area. This website provides (for a small fee) a recommendation of 3 fee-only/advice-only advisors https://adviceonlyfinancial.com/ and says h...
by InMyDreams
Fri Aug 09, 2019 1:41 pm
Forum: Personal Investments
Topic: Helping Mother leave Advisor but have a couple questions
Replies: 9
Views: 660

Re: Helping Mother leave Advisor but have a couple questions

Does she make charitable contributions? Perhaps she could create a Donor Advised Fund and donate some of the taxable stocks to it. Then make charitable contributions from the DAF. Or, for that matter, just donate the shares directly to a charity. The DAF would give her the control of when to give ov...
by InMyDreams
Fri Aug 09, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Opinions of Direct Access Primary Care
Replies: 2
Views: 314

Re: Opinions of Direct Access Primary Care

here's a related thread, with responses from DPC patients and a DPC doctor.
viewtopic.php?t=241742

I'm not a DPC patient, but it sounds to me like a lot will depend on the individual physician.
by InMyDreams
Fri Jul 26, 2019 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Costco Citi Visa?
Replies: 34
Views: 4540

Experience with Costco Citi Visa?

Anyone using Costco's Citi Visa? * Traveled outside the US with it? ** How were the foreign exchange rates for any out of country transactions (especially Canada)? ** No transaction fees for the foreign currency transaction, right? Anything else I should know? The table of information said no annual...
by InMyDreams
Thu Jul 25, 2019 5:36 pm
Forum: Personal Consumer Issues
Topic: Ontario in August
Replies: 29
Views: 1815

Re: Ontario in August

I go to Canada regularly, and never use cash. I have a c redit card that charges no foreign transaction fee , and gives me a very competitive exchange rate. I will need some cash. Probably less than Can$200 in total for the trip. Which credit card do you use? My credit union is talking about 1% per...