Search found 126 matches

by InMyDreams
Sat Oct 14, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Annuities - how does insurance company know you died?
Replies: 49
Views: 2662

Re: Annuities - how does insurance company know you died?

Accounting for the bodies in and the bodies out (i.e., birth and death) is an important function of the government. Of course there are fraudsters that attempt to circumvent the regulations for their own gain. Happens with taxes, too. Whether the death occurred in a health care setting or at home, t...
by InMyDreams
Sat Oct 14, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5446

Re: What do you buy in Asian food stores?

Lingham's Hot Sauce for stir fry.
http://www.lingham.com/

Similar to other chili sauces - but not the same.
by InMyDreams
Sat Oct 14, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Annuities - how does insurance company know you died?
Replies: 49
Views: 2662

Re: Annuities - how does insurance company know you died?

If someone dies abroad, is the death reported to the SS master death file, assuming the body is not returned to the U.S. and no U.S. funeral home is involved? At some point (probably sooner, not later), the American consulate office will be notified, a US "Report of the Death of an American Citizen...
by InMyDreams
Fri Oct 13, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 34
Views: 2226

Re: How does the medical billing system work?

In my location, there are two "cash" prices:

* the list price for the item/procedure/service

* the upfront cash price for the procedure. Usually cash payment gives 30% off the list price. Deposit cash before procedure, refund balance if any after billing settles.
by InMyDreams
Fri Oct 13, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 103
Views: 17944

Re: Growing old without kids or younger caring relatives

6miths wrote:
Wed Oct 11, 2017 11:58 pm
...the secret to happiness in old age was to have at least two daughters...
The Blue Zones, a book on longevity, reported that, on average, men with daughters live longer. Seems to be true for my father :)
by InMyDreams
Thu Oct 12, 2017 12:06 am
Forum: Personal Consumer Issues
Topic: Ecuador safe to travel and hike?
Replies: 21
Views: 2202

Re: Ecuador safe to travel and hike?

Our guide told us that the Galapagos were quite safe. In contrast: One woman in our tour group had her iPhone stolen in the first few hours we were in Quito. There was a parallel tour group to ours: one person had her purse stolen (including passport!) in the first few hours. When we walked in the c...
by InMyDreams
Wed Oct 11, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 103
Views: 17944

Re: Growing old without kids or younger caring relatives

After several years of living here in comfort, I identified a caregiver who knows the facility and local hospitals well, and made him my DPOA for Health Care in case of a medical emergency. He is the on-site person when I have minor surgery w/anesthesia who knows my wishes until my relatives who ha...
by InMyDreams
Tue Oct 10, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 2016

Re: Moving Stroke Victim Out of State

As previously mentioned - you should be able to port your home phone number to a cell phone. There are several low-cost, pay-as-you-go providers. TracFone runs about $10/mon for me, but I don't use it much. In the past I've seen talks about keeping your existing land line wires - that dialing 911 fr...
by InMyDreams
Sun Oct 08, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 2329

Re: What to do with unused paint?

in my city, the dump will take almost all hazardous chemicals (including paint) and electronics at no cost to residents - they don't want the nasty stuff in their waste stream. You do have to take it to them. There are also paint hardeners: "HDX Paint Hardener is used to harden latex paints. The sup...
by InMyDreams
Sun Oct 08, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with your empty inkjet cartridges?
Replies: 22
Views: 1506

Re: What do you do with your empty inkjet cartridges?

Costco will refill many of them, and when mine wouldn't work anymore, they recycled it for me.
by InMyDreams
Sun Oct 08, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9220

Re: Senior citizens can lose everything [to professional guardians via court rulings]

According to the Jane Clayson/WBUR interview, Kentucky is the only state that requires an adversarial approach to making a person a ward of the state and appointing a guardian.

I hadn't thought of retiring to KY.
by InMyDreams
Sun Oct 08, 2017 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9220

Re: Senior citizens can lose everything [to professional guardians via court rulings]

I don't see how annuity or maximized social security helps this. The crooked guardian simply takes the annuity payments instead of the assets. First - the crooks probably want your assets in large sums over shorter periods of time. If you're income doesn't exceed expenses (or at least, not by much)...
by InMyDreams
Sat Oct 07, 2017 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9220

Re: Senior citizens can lose everything [to professional guardians via court rulings]

I don't see how annuity or maximized social security helps this. The crooked guardian simply takes the annuity payments instead of the assets. First - the crooks probably want your assets in large sums over shorter periods of time. If you're income doesn't exceed expenses (or at least, not by much)...
by InMyDreams
Fri Oct 06, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Sent to collections by a hospital we've never been to?
Replies: 40
Views: 3340

Re: Sent to collections by a hospital we've never been to?

She could pull her Medical Information Bureau record:
https://www.mib.com/request_your_record.html

Just to be sure no one has id-theft her medical identity
by InMyDreams
Wed Oct 04, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Reasonable hourly rate for a cfp?
Replies: 14
Views: 1077

Re: Reasonable hourly rate for a cfp?

It took me a decent amount of time to find a CFP who would agree to meeting yearly, pay by the hour. I found one - that's how she works: analyze the funds that are available to me in my various accounts, look at my overall finances, advise me on the AA based on those funds. I move the money around ...
by InMyDreams
Sun Sep 24, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8399

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

Ask the employees who are taking care of that type of patient. Nurses from the OR. Nurses from the post-op area. Physical Therapists in the rehab. You get my drift. Try to ask more than one person. If you can't find people actually working that area, ask those who work in the same facility, and ask ...
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: 1161

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: 9154

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: 1161

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: 17
Views: 1263

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: 1528

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: 2494

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: 1528

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: 28
Views: 2177

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: 28
Views: 2177

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: 1874

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: 10208

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: 10208

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: 4146

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: 1376

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: 43
Views: 6219

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: 7392

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: 168
Views: 16811

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: 16047

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: 2468

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: 14943

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: 16047

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: 9606

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: 909

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: 909

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: 1741

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: 7836

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: 905

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: 1919

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: 1772

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: 2322

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: 1503

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: 2910

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.