Search found 251 matches

by InMyDreams
Wed Jun 13, 2018 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Services
Replies: 45
Views: 3106

Re: Vanguard Advisor Services

You only need to have half a brain I'd argue that it takes a bit more than half a brain. My father turned his account management over to VG after my mother died and his own brain was becoming cloudy. He's still managing his checking and credit card, and transfers from VG to them - but - all transfe...
by InMyDreams
Tue Jun 05, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Don't make the mistake I made (Telemarketing hell)
Replies: 67
Views: 8565

Re: Don't make the mistake I made (Telemarketing hell)

My google VOIP phone has a spam filter toggle. It's been amazing.
by InMyDreams
Sun Jun 03, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Switch between physicians in the same practice?
Replies: 40
Views: 3069

Re: Switch between physicians in the same practice?

... he graduated few years ago... I suspect he is a resident or fellow, working with the physician with whom you made the appointment. It can be interesting to ask who will do the surgery, and who are the other MDs or students who will be in the OR. Sometimes just to know the background of those ot...
by InMyDreams
Fri Jun 01, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4184

Re: Travel advice for an engineer

Filipino Rice Terraces https://en.wikipedia.org/wiki/Banaue_Rice_Terraces Seven Wonders https://en.wikipedia.org/wiki/Wonders_of_the_World Tipon was another Inka agricultural site https://en.m.wikipedia.org/wiki/Tipon which led to the ASCE list of historical CE sites https://en.m.wikipedia.org/wiki/...
by InMyDreams
Fri Jun 01, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4184

Re: Travel advice for an engineer

PBS ran a series on TV that tried to recreate engineering feats that peoples of ancient times achieved, that modern people don't seem to be able to do without their modern tools. Included were: Uprighting the obelisk that was constructed in another location. Stonehenge Shading the coliseum's seating...
by InMyDreams
Thu May 31, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Instant pot pressure cooker
Replies: 50
Views: 6356

Re: Instant pot pressure cooker

Cooks Illustrated reviewed "multi-cookers" and didn't choose Instant Pot as their best choice. Their review is behind a registration-wall, but you can read this interview on Splendid Table https://www.splendidtable.org/story/is-instant-pot-the-best-americas-test-kitchen-reviews-multicookers NY Times...
by InMyDreams
Thu May 31, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17278

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

Did you google something like, "non-fafsa scholarships"? Ask the HS counselor? Scholarships/loans for women outside of FAFSA www.peointernational.org/peo-projectsphilanthropies and the regional chapter frequently has additional scholarship monies. Technical degrees/certifications are often less expe...
by InMyDreams
Wed May 30, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 4547

Re: My mind exploded

bampf wrote:
Wed May 30, 2018 1:07 pm
... I am footing insurance, university, gas, car repair and phone service.
She gets a car to drive in her first year of college?
by InMyDreams
Wed May 30, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 43
Views: 3634

Re: DNA ancestry testing

Even if we never submit our own dna to any of these services, the fact that any or all of our close blood relatives may do so can "expose" us to dna relatives as well. yep. that's how they caught the bad guy, and how people looking for their genetic parents are able to find them. the techniques for...
by InMyDreams
Wed May 30, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 43
Views: 3634

Re: DNA ancestry testing

Gedmatch provides a much needed service on a shoestring/volunteer budget. You're looking for the "admixture" functions. You can also post questions on the forum: https://www.gedmatch.com/msg_list_forums.php Jim's email address for tech issues is posted on this forum page: https://www.gedmatch.com/ms...
by InMyDreams
Tue May 29, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 43
Views: 3634

Re: DNA ancestry testing

for anyone seeking their unknown genetic close relatives, there are multiple groups and websites, but especially
www.dnaadoption.com
and last I heard, they had a yahoo group, DNAADOPTION. Gurus answer questions there.
by InMyDreams
Tue May 29, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 43
Views: 3634

Re: DNA ancestry testing

Did you also upload to gedmatch.com, and run their admixture tools? Free. You could test at 23andme.com - they'll give you ethnicity for $99, plus give you mitochondrial DNA and Y-DNA (if applicable) haplogroups. Wow, wish I'd known. I was very disappointed in my ancestry.com experience. They simpl...
by InMyDreams
Tue May 29, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 43
Views: 3634

Re: DNA ancestry testing

...when someone is conceived through sperm donation that there is often no traceable record of it in And there's been more than one person who knew they were conceived by sperm donation who has been able to identify the donor thru genetic genealogy. Testing does not guarantee that you may identify ...
by InMyDreams
Tue May 29, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: How to find a retirement planner?
Replies: 11
Views: 956

Re: How to find a retirement planner?

I found a fee-only/advice-only CFP by combing the CFP and NAPFA websites for fee-only advisors, then eliminating anyone who was providing "Wealth Management" or charged based on assets-under-management. I think that left me with one choice in the wide-radius that I chose. I'm happy with her. We have...
by InMyDreams
Tue May 29, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Glasses, ball sports, and aging eyes
Replies: 29
Views: 3980

Re: Glasses, ball sports, and aging eyes

The key thing with bifocals is called the 'add'....the difference in the prescriptions of the two far and close lenses, measured in diopters. BTW, I teach optics, and measured my own accommodation, and my add, to figure out what was going on. 8-) Yes, going to an eye care professional who actually ...
by InMyDreams
Mon May 28, 2018 11:41 pm
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 43
Views: 3634

Re: DNA ancestry testing

Did you also upload to gedmatch.com, and run their admixture tools? Free. You could test at 23andme.com - they'll give you ethnicity for $99, plus give you mitochondrial DNA and Y-DNA (if applicable) haplogroups. And you can do detailed Y-DNA and mitochondrial DNA testing at ftDNA. I don't pay much ...
by InMyDreams
Fri May 18, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Hot food flavoring (sauces, spices and peppers)
Replies: 51
Views: 3006

Re: Hot food flavoring (sauces, spices and peppers)

In New Mexico, green chile is served as a condiment. People outside New Mexico often confuse "green chile" with the pork stew called Chile Verde. That's not it. If someone in NM asks if you want green chile on your (hamburger, eggs, or whatever), they are talking about the chile pepper that is grown...
by InMyDreams
Tue May 15, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon or other Nat'l Park in October?
Replies: 44
Views: 2454

Re: Grand Canyon or other Nat'l Park in October?

The Narrows in Zion would take up one of your days http://blog.wildlandtrekking.com/zion-narrows/ Someone mentioned altitude, which is less of a problem in Zion (well, in the Canyon, that is). But you know about flash floods in washes and arroyos, right? Don't enter 'em if it's raining - both where ...
by InMyDreams
Tue May 15, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Can a <median household save 1 year of expenses every year?
Replies: 158
Views: 8092

Re: Can a <median household save 1 year of expenses every year?

I save, but not 50% of my earned income.

Are you familiar with MrMoneyMustache(.com)? This is a no-brainer for them. MMM wants you to bank 75% of what you make.
by InMyDreams
Tue May 15, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Helping someone with Cancer
Replies: 21
Views: 1380

Re: Helping someone with Cancer

This thread on a similar topic (but closer relationship) has many ideas for lending a helping hand: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=244493 Getting to appointments (there will be many), keeping the kids' lives at a normal keel, getting the day-to-day chores done - those are all g...
by InMyDreams
Mon May 14, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon or other Nat'l Park in October?
Replies: 44
Views: 2454

Re: Grand Canyon or other Nat'l Park in October?

Four corners and the southwest are great to visit in October. Unfortunately, the world has figured that out, so you'll be sharing the space with lots of other peeps. Several National Parks and Monuments, state parks - can't go wrong. Visit splendid scenery and also see ancient ruins. Albuquerque Bal...
by InMyDreams
Mon May 14, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon or other Nat'l Park in October?
Replies: 44
Views: 2454

Re: Grand Canyon or other Nat'l Park in October?

If there's any way to extend your travel dates, I would suggest that you consider a rafting trip down the Colorado River. +1. See the Canyon from the bottom up. No motor boats on the river in October. Upper half or lower half of the Canyon make for shorter trips (hike out or hike down, respectively...
by InMyDreams
Thu May 10, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Lost Beneficiaries - T. Rowe Price
Replies: 24
Views: 1754

Re: Lost Beneficiaries - T. Rowe Price

Yes, there was some changed to our 401k plan more than a decade ago. I can't remember who was the investment company before, but TRP took over (maybe it just morphed?). The beneficiaries that I had previously named were no longer on the account. I decline to ask my beneficiaries for their SSNs, and ...
by InMyDreams
Wed May 09, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: <Future> Marketable Skills
Replies: 17
Views: 1443

Re: <Future> Marketable Skills

Geneticist. My hospital can't hold on to 'em, and once they're gone, they have a hard time finding another. Despite the school in town that produces 'em.
by InMyDreams
Sun May 06, 2018 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Terminal illness with small kids
Replies: 64
Views: 11377

Re: Terminal illness with small kids

So sorry for your loss. It sounds like you and your families have given wonderful support and will continue to support her children. There may be a grief-support program for children in your community. If she was on hospice, the hospice organization may be required to provide grief counseling (some ...
by InMyDreams
Sun May 06, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Elder Care Advice
Replies: 26
Views: 2187

Re: Elder Care Advice

I am just a few miles away and a brother is 20 miles away. We both help out as much as work will allow. It's to the point now that we recognize she needs more help than just us. I totally understand. Nonetheless, when the phone rings, whatever time of day, whether it's your mother or an attendant a...
by InMyDreams
Sun May 06, 2018 2:36 pm
Forum: Investing - Theory, News & General
Topic: Shorting - Can Someone Explain
Replies: 32
Views: 2303

Re: Shorting - Can Someone Explain

Boxtrap wrote:
Fri May 04, 2018 12:38 pm
Can someone please explain short selling to me?
Watch The Big Short. Entertaining education. Should be required for every high school student.
by InMyDreams
Sun May 06, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Elder Care Advice
Replies: 26
Views: 2187

Re: Elder Care Advice

An elder law attorney I was working with at the time said she would have qualified if she put all her assets in a non-revocable trust. Try googling Veteran Aid & Attendance - I think that's the benefit referred to. But they changed the look back time frame - it's much longer now. You don't mention ...
by InMyDreams
Sat Apr 28, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Deductible Medical Expenses....
Replies: 20
Views: 1090

Re: Deductible Medical Expenses....

My state does not allow you to "choose" who is primary if you have two insurances, and I think that is true most places (everywhere?): Each person's employment based insurance is primary (your insurance is primary for you, hers for herself Your spouse's insurance is then your secondary. Children's p...
by InMyDreams
Wed Apr 25, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: how would you handle this--collecting life insurance
Replies: 31
Views: 3026

Re: how would you handle this--collecting life insurance

Call the regulator. +1. You could ask the insurance company for the contact info of their regulator ;) Or at least mention to them that you would be contacting the regulator (which might be called the State Insurance Commission). I did the latter with a health insurance company and all of a sudden ...
by InMyDreams
Sat Apr 21, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: NYT article: Everyone should hire a financial planner
Replies: 103
Views: 9502

Re: NYT article: Everyone should hire a financial planner

- Who is at the top of this advisor pyramid? Even the Pope has a confessor... -- At my current tax bracket should I put bonds in taxable or use muni bonds? What kind of muni bonds? A fund? What duration? What's a duration? Is credit quality important? Etc. -- Can I afford to retire? Personally, I w...
by InMyDreams
Sat Apr 21, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage payment frequency - Monthly vs. Weekly
Replies: 15
Views: 2024

Re: Mortgage payment frequency - Monthly vs. Weekly

I had a primary and second mortgage thru a credit union.

about the 5th or 6th of each month, I would make the payment for the coming month. Interest was calculated to that day. Definitely sped up the pay down.
by InMyDreams
Sat Apr 21, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Learning about buying a home for complete beginner
Replies: 12
Views: 1422

Re: Learning about buying a home for complete beginner

I took a community ed class about home buying. Yes, it was done by a realtor, and she probably did generate clients from the class, but I thought it had great insights. Also, one of the three classes was led by a mortgage loan officer - who also had good advice, including - you are buying a mortgage...
by InMyDreams
Wed Apr 18, 2018 12:26 am
Forum: Investing - Theory, News & General
Topic: Your Money Or Your Life
Replies: 49
Views: 6940

Re: Your Money Or Your Life

My take away when I read Your Money or Your Life years ago: * Figure out what your real wage is (your paycheck minus all the costs of doing your work [gas, commute time, childcare, things you buy because you don't have time to do it yourself]) * When you're buying something, stop and think if it's r...
by InMyDreams
Tue Apr 17, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Ogden UT/Salt Lake City summer children's activities?
Replies: 8
Views: 577

Re: Ogden UT/Salt Lake City summer children's activities?

July will be hot - with cool evenings. Mirror Lake in the Uintas will be cool. And there are other hikes in the area. Easy day trip from SLC. Lots of hiking in the Wasatch. Visit ski resorts in the summer - lots of hikes start in their vicinity - e.g., Silver Lake at Brighton, with hike up to Lake S...
by InMyDreams
Fri Apr 13, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Unaffordable prescription drug
Replies: 42
Views: 3861

Re: Unaffordable prescription drug

I recently heard of a person who was denied a biologic injectable because the prescribing info did not include the increased frequency that the doctor was ordering. The patient took it to the insurance appeals board, and either at that level or one more beyond that (can't remember which), an indepen...
by InMyDreams
Fri Apr 13, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Unaffordable prescription drug
Replies: 42
Views: 3861

Re: Unaffordable prescription drug

After years spent trying more affordable drugs (if you count $1200 a month as affordable), I'm left with no treatment options other than a drug that costs $1000 per WEEK. It would be on top of other drugs that are already costing me over $1000 a month. My insurance won't cover it understandably, an...
by InMyDreams
Fri Apr 06, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: What can we learn from secret millionaires.
Replies: 93
Views: 17014

Re: What can we learn from secret millionaires.

I can also tell you that one attribute of a secret millionaire is that they understand very well that a million dollars isn't a lot of money. Your Money or Your Life , one of the early books about FIRE, talked about the difference between Financial Independence and Wealth. FI is getting closer...
by InMyDreams
Fri Apr 06, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Cell account hacked
Replies: 19
Views: 2460

Re: Cell account hacked

blevine wrote:
Wed Apr 04, 2018 10:36 pm
Switched 2FA to call my landline.
The only 2FA that TRPrice offers me is text messaging. I've tried it out with my VOIP home line without success (my carrier usually converts any texted messages to an email so I hoped it would work).
And I'm not willing to text to my burner cell phone.
by InMyDreams
Thu Apr 05, 2018 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Keep TIAA 403(b) or roll to Vanguard IRA?
Replies: 5
Views: 463

Re: Keep TIAA 403(b) or roll to Vanguard IRA?

If you nose around, you will be able to find all the funds that are available for investment within your TIAA 403b. The choice of funds, and the fees for investing in them, is not the same at each of the institutions that use TIAA for their employees' 403bs. I have been fortunate - I have access to ...
by InMyDreams
Tue Apr 03, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Cell account hacked
Replies: 19
Views: 2460

Re: Cell account hacked

woke up to find an email that confirmed my cell order = someone went to my carriers store and "upgraded" my phone and added a second line with a new phone too. called fraud department and had my phone sim card turned back on, new line removed and my online account removed. So, they impersonated you...
by InMyDreams
Thu Mar 22, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help my wife when I die.
Replies: 37
Views: 4381

Re: Help my wife when I die.

Suggest reading Beyond the Grave . Very interesting insights about what happens after you're gone. And it's probably too early to consider this, but Vanguard's PAS provides not just investment management - all transactions go thru the advisor, hopefully it will prevent both scam transactions and poo...
by InMyDreams
Wed Mar 21, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: conversation about finances/spending with significant other?
Replies: 33
Views: 2754

Re: conversation about finances/spending with significant other?

Would he read Bernstein's If you can? It's a free download. The Richest Man in Babylon would probably be in your local library - it's an easy read, too.

This topic comes up on MrMoneyMustache.com.

I've heard of couple's counseling for financial friction - and that it was successful.
by InMyDreams
Wed Mar 21, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Any lawyers? Got scammed
Replies: 39
Views: 3748

Re: Any lawyers? Got scammed

I wonder if the local consumer affairs TV reporter would take it on? Does she have a business license? I wonder if the licensing organization would at least take the complaint info, and perhaps give any potential customers a heads up. File a complaint with the Better Business Bureau - same thing - p...
by InMyDreams
Sun Mar 18, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Terminal illness with small kids
Replies: 64
Views: 11377

Re: Terminal illness with small kids

... sometimes (depending on details) a church can be a coordinating resource for such assistance. yes - but whether it's a church or a family or a neighborhood/community, these things can be useful, and require coordination, which will probably be more than the affected family can handle. Another t...
by InMyDreams
Sat Mar 17, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Terminal illness with small kids
Replies: 64
Views: 11377

Re: Terminal illness with small kids

The best thing to do might be for the extended family to appoint a reliable point person to discuss the issues with the husband and wife so that they don't have to deal with many helpful family members asking and offering. That could easily turn into a source of stress. When offering assistance, yo...
by InMyDreams
Sat Mar 17, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Terminal illness with small kids
Replies: 64
Views: 11377

Re: Terminal illness with small kids

Quite a while ago, a young mother in my church was supported thru her illness. We supported her with: * meals. Sign up sheets, usually one meal a day, often something that could be reheated later -- two problems (to be managed, not to eliminate this choice) - accumulation of uneaten meals; providing...
by InMyDreams
Fri Mar 16, 2018 12:16 am
Forum: Personal Consumer Issues
Topic: Grand Canyon and Utah Parks
Replies: 16
Views: 1565

Re: Grand Canyon and Utah Parks

I've toured parks in UT the 3rd week of June - hot, some sort of biting no-see-'em, and a small fly. and I've been around Moab and Goblin Valley State Park the 3rd week of June in a different year when it was pleasantly cool after late rains - and all the locals were expecting things to warm up shor...
by InMyDreams
Sun Mar 04, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 7285

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

. If we let a patient go home sedated unattended in a cab, a zillion awful things could happen. Let your mind go wild. We can not let this happen. If you don't understand this, it's probably because you don't understand the profound retrograde and anterograde amnesia that is associated with our sed...
by InMyDreams
Sat Feb 24, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: ARAG (or other) Legal Plans, useful? Feedback or reviews?
Replies: 12
Views: 1203

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 ...