Search found 737 matches

by InMyDreams
Mon May 25, 2020 11:38 am
Forum: Personal Finance (Not Investing)
Topic: What to do with Mother-In-Law
Replies: 31
Views: 3831

Re: What to do with Mother-In-Law

There are similarities between our situations. As my father aged, I realized that his world was shrinking - he didn't get out of the building without assistance. Now he hardly walks without assistance. His contacts are all within the building (except me and his caregivers). COVID lock-in hasn't help...
by InMyDreams
Sun May 24, 2020 9:27 am
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 131
Views: 9056

Re: Gardening 2020

Does anyone have any suggestions/tips for (not too high) trellising for winter squash? There's a bunch about trellises on Youtube, This guy caught my eye - it's impractical for me, but maybe you have a raised flower bed and the means to do what he's talking about, it's focused on tomatoes. https://...
by InMyDreams
Sun May 24, 2020 9:15 am
Forum: Personal Consumer Issues
Topic: How to grow food indoors
Replies: 3
Views: 308

Re: How to grow food indoors

I'm in my first few months of using a six-hole Aerogarden (Harvest model). I like it. But - I bought it on Amazon, and didn't seem to be able to get the vegetable pods with the machine - I bought them separately. It looks like if you go to the dealer directly, the price is the same but you have your...
by InMyDreams
Sat May 23, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 118
Views: 9118

Re: Personal spending out of control after Covid-19

I'm buying a few things for myself, and my diet is straying a bit (but not yet going to the "Covid-15"). But I've been giving money. I've given away all the stimulus money (my income level hasn't changed). Some more to other charities. Bought sandwiches in the grocery store for the man and child at ...
by InMyDreams
Sat May 23, 2020 10:33 am
Forum: Personal Investments
Topic: Has anyone ever used their Emergency Fund?
Replies: 87
Views: 6690

Re: Has anyone ever used their Emergency Fund?

It doesn't have to be only cash - I know more than one person who have used their one year emergency food supply during economic hardship. It too is a form of savings, but takes careful management.
by InMyDreams
Tue May 19, 2020 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations: Marriage in your 50s/60s
Replies: 23
Views: 1832

Re: Financial Considerations: Marriage in your 50s/60s

... keep your finances separate. +1 I've seen three situations where a couple who had been happily married (second time around) for years. But when the couple were both advanced in years and increasingly in need of assistance for basic activities, the couple has separated and one has gone to live n...
by InMyDreams
Tue May 19, 2020 2:26 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 70
Views: 5055

Re: How to get disinfecting wipes..seriously

I bought one container at Ace Hardware about two months ago. I've used maybe three sheets out of it. I rarely go out for any reason anymore. If I do go to the store, I wear gloves and then unload my groceries into the trunk and VERY CAREFULLY remove the gloves before entering the interior of the ca...
by InMyDreams
Tue May 19, 2020 12:04 am
Forum: Personal Consumer Issues
Topic: Cost effective home gardening? (Greens)
Replies: 3
Views: 536

Re: Cost effective home gardening? (Greens)

I have 6 plugs of lettuce in my (hydroponic) Aerogarden - just started shortly after the lockdown. I like it. For two people, you'd probably need more spots if you eat lettuce often.
by InMyDreams
Mon May 18, 2020 4:45 pm
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2934

Re: Choices of and precautions at hotels in this summer

And the lack of an elevator would be another plus. Elevators would make me nervous - little circulation to reduce or remove any virus left in the air. I'm not clear exactly how long CV19 remains in the air, but stairs would be my preference. Especially if other visitors or employees were not using ...
by InMyDreams
Mon May 18, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: Gardening- question about where to mulch, and also about harvesting
Replies: 17
Views: 1037

Re: Gardening- question about where to mulch, and also about harvesting

UpsetRaptor wrote:
Sun May 17, 2020 6:09 pm
The best way to inhibit the mint is to nuke the entire site from orbit. It’s the only way to be sure.
In my experience, mint is a piece of cake compared to bind weed. Will order one death star for the bind weed in my backyard!
by InMyDreams
Fri May 15, 2020 12:12 am
Forum: Personal Consumer Issues
Topic: What to do with canned chicken?
Replies: 45
Views: 3313

Re: What to do with canned chicken?

take the costco canned chicken, as well as one of the costco avocados now ripened Toast two corn tortillas with one slice pepper jack on each. once toasted and melted, add a layer of mashed avocado mixed with salsa (quick and easy guac), then beans &/or canned chicken. Top with lettuce. Voila - chic...
by InMyDreams
Thu May 14, 2020 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly Retired - Family doesn't know
Replies: 27
Views: 2907

Re: Secretly Retired - Family doesn't know

couple of years ago, I encountered my 40-something neighbor hiking on a weekday. When asked if she was on vacation, she shared that she had left her job prior to the previous summer, and had never gotten around to applying for a different one, but maybe she would sometime. After listening to this fo...
by InMyDreams
Thu May 14, 2020 10:49 am
Forum: Personal Consumer Issues
Topic: LTCi refuses claim
Replies: 23
Views: 4237

Re: LTCi refuses claim

krafty81 wrote:
Tue Feb 04, 2020 1:37 am
They basically said he was "too independent". Amazing for a 91 year old with dementia! The facility is working with the company, but I have filed complaints with BBB and my state. Legal help next.
What about your state's insurance commission?
by InMyDreams
Thu May 14, 2020 10:44 am
Forum: Personal Consumer Issues
Topic: How to look for a good Primary Care Physician (PCP), and no price transparency...
Replies: 35
Views: 2055

Re: How to look for a good Primary Care Physician (PCP), and no price transparency...

Healthcare prices is ridiculously untransparent in this country, The best price transparency that I've heard of is Direct Primary Care. It will not count towards your deductible. I do not use one, but have thought about it - I'm happy with my current PCP, tho she's out of network for me now. Anyway...
by InMyDreams
Tue May 12, 2020 11:55 pm
Forum: Personal Consumer Issues
Topic: COVID - 19 things to do
Replies: 51
Views: 4115

Re: COVID - 19 things to do

I think having a routine - especially with children - is really important. You didn't mention ages, but trying to include some studying may help keep them school-ready for the fall. And some of it could be things they're not doing in school. Language? I haven't done it, but another thread talked abo...
by InMyDreams
Tue May 12, 2020 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Advice needed - sister's home in foreclosure - terminal cancer
Replies: 26
Views: 2840

Re: Advice needed - sister's home in foreclosure - terminal cancer

if you are close to your nephews and they are responsible, I'd pay off the $12k and the $95k (assuming the total balance due is $107k). Make your own note, at say 4% and file it against the house. Offer to rent to nephew for up to 6 months after his mom passes, at which point y'all sale the place, ...
by InMyDreams
Fri May 08, 2020 8:00 pm
Forum: Personal Consumer Issues
Topic: COVID-19 has revealed the stark deficiencies in long-term care facilities regardless of ratings.
Replies: 80
Views: 5322

Re: COVID-19 has revealed the stark deficiencies in long-term care facilities regardless of ratings.

With all due respect, sanitizing themselves in between patients is exactly what they’re already supposed to be doing. Care facilities have long had a problem with patients acquiring infections, whether that's C Dif or MRSA - hospitals have it too, but they have more resources to deal with the probl...
by InMyDreams
Wed May 06, 2020 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: How Do Early Retirees Pay for Medical
Replies: 132
Views: 9727

Re: How Do Early Retirees Pay for Medical

Looks like about $1000/month. Wow! Cheap compared to what I pay.... not Cobra and not ACA. P.s. with Medicare I expect to pay about 500-600 a month all in. I pay out of savings/investments. ditto. Retiree health insurance premium is not cheap, but I don't have nightmares that it will disappear befo...
by InMyDreams
Wed May 06, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 264
Views: 30886

Re: What have you baked recently?

made KAF's sourdough pizza dough.

Made a personal, olive oil and basil pizza. Pretty good, but my local pizzerias are not worried about the competition.

With some of the dough, I made pita bread. Pretty good.

Still have more dough in the fridge for more personal pizzas.
by InMyDreams
Sun May 03, 2020 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Please help me unravel my parents mess
Replies: 55
Views: 6607

Re: Please help me unravel my parents mess

Thank you very much, I am certainly going to recommend a fee-only advisor. I appreciate your thoughts. Even within the group of Fiduciary and Fee-Only advisors, there is a subgroup of Advice-Only I used this site to get 3 suggestions for advice-only financial advisors in my area (who charge by the ...
by InMyDreams
Fri May 01, 2020 8:00 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 264
Views: 30886

Re: What have you baked recently?

$21 is high but if you need it and it ships immediately you might think it’s worth it as yeast availability is very limited in my area. I just received a 1 lb. bag of SAF yeast from King Arthur’s for $5.95. But it took 3-4 weeks to receive it due to limited availability. Good to know. I have enough...
by InMyDreams
Sun Apr 26, 2020 11:41 am
Forum: Personal Investments
Topic: Mother has only $85K to sustain her
Replies: 81
Views: 8118

Re: Mother has only $85K to sustain her

One possibility for the future - did her late spouse served in the US Armed Forces? If she does become disabled, she may be eligible for Aid and Attendance as a service member's widow https://en.wikipedia.org/wiki/Veteran%27s_pension_(United_States) If applicable, it might be somewhat reassuring to ...
by InMyDreams
Sat Apr 25, 2020 10:08 am
Forum: Personal Consumer Issues
Topic: [how to help ill father-in-law who lives 1000 miles away]
Replies: 18
Views: 2103

Re: [how to help ill father-in-law who lives 1000 miles away]

This is something we just found out about this week. We're trying to figure all of this out rather quickly. Any suggestions for how to deal with this? The virus issue has created an entire layer of complexity on top of an already difficult situation. I am so sorry for the difficult diagnosis in a d...
by InMyDreams
Fri Apr 24, 2020 9:54 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55519

Re: How to get Toilet Paper ? seriously.

My Costco had real Clorox this morning! Check out clerk said she thought it would be gone before day's end. It's Costco - I had to buy 3 bottles. My neighbor was happy to take one off my hands. Lowe's had Clorox wipes and small bottles of hand sanitizer. My friend says Walmart has all of these thing...
by InMyDreams
Thu Apr 23, 2020 12:31 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 264
Views: 30886

Re: What have you baked recently?

After reading many sourdough recipes (KAF, Bittman, Beard (who says why bother), Joy of Cooking, Pioneer Woman), I finally found one that did not require me to add any more yeast (which is the point of doing sourdough right now) and was not too complex for my simple brain. Turned out well :) And th...
by InMyDreams
Wed Apr 22, 2020 4:08 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 264
Views: 30886

Re: What have you baked recently?

After reading many sourdough recipes (KAF, Bittman, Beard (who says why bother), Joy of Cooking, Pioneer Woman), I finally found one that did not require me to add any more yeast (which is the point of doing sourdough right now) and was not too complex for my simple brain.

Turned out well :)
by InMyDreams
Thu Apr 16, 2020 9:53 pm
Forum: Personal Consumer Issues
Topic: How to get Disinfectant Spray? seriously.
Replies: 41
Views: 2598

Re: How to get Disinfectant Spray? seriously.

"Policy for TemporaryCompounding of CertainAlcohol-Based HandSanitizer Products During the Public HealthEmergency" info here: https://www.fda.gov/media/136118/download which refers to this WHO document: https://www.who.int/gpsc/5may/Guide_to_Local_Production.pdf If I had not been able to buy hand sa...
by InMyDreams
Thu Apr 16, 2020 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Planning for Mother-In-Law
Replies: 9
Views: 607

Re: Financial Planning for Mother-In-Law

There are various threads on this subject. An "advice-only" Financial Planner will charge an hourly or flat fee, not an AUM. There is a referral service mentioned in this thread:
viewtopic.php?t=255833
by InMyDreams
Thu Apr 16, 2020 5:21 pm
Forum: Personal Consumer Issues
Topic: How to get Disinfectant Spray? seriously.
Replies: 41
Views: 2598

Re: How to get Disinfectant Spray? seriously.

The most immediate way is to head to your grocery store or wherever you get booze in your state and buy a bottle of pure ethanol. Not liquor, ethanol. You can probably score that tonight. Pour that on a microfiber cloth and wipe stuff down that needs to be sanitized. Not in my liquor stores. I have...
by InMyDreams
Thu Apr 16, 2020 5:18 pm
Forum: Personal Consumer Issues
Topic: How to get Disinfectant Spray? seriously.
Replies: 41
Views: 2598

Re: How to get Disinfectant Spray? seriously.

mhalley wrote:
Wed Apr 15, 2020 11:33 pm
Buy a small spray bottle and make your own using bleach.
https://www.canr.msu.edu/news/covid-19- ... ith-bleach
No bleach for sale in my town.
by InMyDreams
Thu Apr 16, 2020 5:14 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55519

Re: How to get Toilet Paper ? seriously.

Looks like it's too late to load my rolls of TP on a broomstick and sell them at intersections for $100/roll. Maybe, but what about paper towels and Kleenex? My father goes thru them faster than he goes thru TP. I just tried to buy some one Amazon last night - not the (unavailable) usual brands - a...
by InMyDreams
Wed Apr 15, 2020 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Fee only Financial Planner Expectations
Replies: 5
Views: 410

Re: Fee only Financial Planner Expectations

My advice-only planner is paid hourly. Initial plan, then annual follow up. My big question when I contacted her was - may I pull the trigger now? It sure looked to me like I could. But I waited two more years on her advice. She is a CFP, so her advice was broader. She asked about wills & interests ...
by InMyDreams
Wed Apr 15, 2020 9:59 pm
Forum: Personal Consumer Issues
Topic: Stimulus Charity?
Replies: 28
Views: 1583

Re: Stimulus Charity?

Besides my local food bank, and a similar local NGO that helps not only food, but also housing and clothing -

My local radio stations - which are also my main news sources.
by InMyDreams
Tue Apr 14, 2020 1:39 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55519

Re: How to get Toilet Paper ? seriously.

Looks like it's too late to load my rolls of TP on a broomstick and sell them at intersections for $100/roll. Maybe, but what about paper towels and Kleenex? My father goes thru them faster than he goes thru TP. I just tried to buy some one Amazon last night - not the (unavailable) usual brands - a...
by InMyDreams
Sat Apr 11, 2020 4:14 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55519

Re: How to get Toilet Paper ? seriously.

It will be interesting in a month or two. All of the people who stocked up on toilet paper won't need it anymore. I expect sales. On the Media makes the argument that the TP shortage is more due to the type that is in demand (i.e., home use not office use) rather than hoarding: https://www.wnycstud...
by InMyDreams
Sat Apr 11, 2020 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Helping in-law - hasn't filed taxes since 2010
Replies: 54
Views: 3864

Re: Helping in-law - hasn't filed taxes since 2010

She will either have to find her W-2s for those years or request a wage & income transcript for those years. IF she doesn't have her W2s and IF she's had the same employer all those years - she may be able to download them from her employer's employee portal. Once this is squared away - you could s...
by InMyDreams
Sat Apr 11, 2020 10:11 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72299

Re: Bogleheads community discussion - Coronavirus

MrMoneyMustache has a thread asking for healthcare workers' experience at the front line. Post #61 made me especially sad: https://forum.mrmoneymustache.com/welcome-to-the-forum/any-other-nursesdoctors-here-working-during-the-outbreak/50/ Yes, people are dying - but much as the call in the UK is to ...
by InMyDreams
Fri Apr 10, 2020 4:55 pm
Forum: Personal Investments
Topic: Complete amateur with advisor problems
Replies: 21
Views: 1865

Re: Complete amateur with advisor problems

A lot of documentation was then sent back and forth looking for our signatures I then wanted to clarify that we would be keeping our accounts with Vanguard and T Rowe price and they would just be looking after them, our new advisor confirmed this was true. A week letter, a large envelope came throu...
by InMyDreams
Thu Apr 09, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 131
Views: 9056

Re: Gardening 2020

One veg plot has been turned with new compost in it, and the first row of snow peas are in. Need to plant another row, and then some green beans.

Can't grow corn - either the raccoons or squirrels took out my last attempt. :x
by InMyDreams
Thu Apr 09, 2020 11:03 am
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 131
Views: 9056

Re: Gardening 2020

Hummer man myself. If it's good for migrating/endemic hummers, I'll plant it. Tropical sage, Texas betony, Autumn sage, Lantanas, Tropical milkweed (and other milkweeds), Native foxgloves, Mealy blue sage, Yellow bells, Standing cypress (and any other good wildflowers I can get going in our public ...
by InMyDreams
Thu Apr 09, 2020 10:53 am
Forum: Personal Finance (Not Investing)
Topic: SS and turning 70 after file and suspend my experience
Replies: 12
Views: 1123

Re: SS and turning 70 after file and suspend my experience

For me, I did it at my FRA, in case my doctor told me you are going to die. This would have allowed me to unsuspend and say never mind, give me all the payments I would have received had I not suspended. Otherwise, at 70, where I am now, I receive an adjusted amount as if I had not filed prior to 7...
by InMyDreams
Wed Apr 08, 2020 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: SS and turning 70 after file and suspend my experience
Replies: 12
Views: 1123

Re: SS and turning 70 after file and suspend my experience

I file and suspended at FRA . This March I turned 70 in the first week, so April 8 would be my first payment date. So, I was asking about this on another thread that I started. This means that you filed for your own SS benefits, then immediately suspended before receiving a payment? And, why did yo...
by InMyDreams
Wed Apr 08, 2020 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Starting and Stopping Social Security Benefits
Replies: 5
Views: 395

Re: Starting and Stopping Social Security Benefits

InMyDreams wrote:
Wed Apr 08, 2020 1:16 pm

If she were to start SS payments, and then stop them in a few months, would her SS benefit resume growing (but not to previous estimate)? Would it affect unemployment income?
I passed the info and reference onto my friend, but does anyone know about the unemployment question?
by InMyDreams
Wed Apr 08, 2020 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Starting and Stopping Social Security Benefits
Replies: 5
Views: 395

Starting and Stopping Social Security Benefits

Two questions. 1) If I would like to file for social security but then stop it before any payment is made a) can it be done? b) would it have any impact on my benefit when I reach FRA? The benefit I see from this - if I decided sometime in the future that I financially needed to start payments, I wo...
by InMyDreams
Wed Apr 08, 2020 1:05 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 267
Views: 15522

Re: So what are you cooking

Cool - will check it out. I am trying a simple recipe (NY Times 2006) but the altitude here can be a factor in baking. Apparently there is a yeast shortage in my area but luckily I had some on hand. :happy You have yeast, but others may not - there's a bakery in my area that is now selling both yea...
by InMyDreams
Wed Apr 08, 2020 12:07 am
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 267
Views: 15522

Re: So what are you cooking

Turkey pot pie - and I didn't use a can of condensed soup. Thought the filling (and sauce) were tasty. Pie crust needs (a lot) more work.
by InMyDreams
Tue Apr 07, 2020 12:11 pm
Forum: Personal Consumer Issues
Topic: Charity during the pandemic
Replies: 73
Views: 4459

Re: Charity during the pandemic

the latter on the condition that the people who benefited from the project not be told that I was the donor. I am seriously considering which organization(s) might receive donations from me this year, but one thing I don't want is to become a target for fundraisers. You might consider using a Donor...
by InMyDreams
Tue Apr 07, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 131
Views: 9056

Re: Gardening 2020

I went to Home Depot this morning (braving the viral world out there) specifically to buy Snow Pea seeds. None. Now, I know it's kinda late to be planting them, but really - none?? Bought two tomato plants (but will need to protect against frost). Started an AeroGarden a week ago - I'll be able to g...