Search found 458 matches

by InMyDreams
Sat Feb 16, 2019 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Parents fell for scam: sent cash -- what now?
Replies: 45
Views: 4297

Re: Parents fell for scam: sent cash -- what now?

I've heard that once you have been scammed, you may be targeted for more scams.

My father refuses to answer the phone unless he recognizes who the caller is, and if the caller does not leave a message, he does nothing more. So far, no one has spoofed a known phone number.
by InMyDreams
Sat Feb 16, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: Help plan [Machu Picchu], Sacred Valley trip
Replies: 25
Views: 1850

Re: Help plan [Machu Picchu], Sacred Valley trip

The tickets to MP are now based on an hourly entry slot with upto 4 hours inside. We are thinking of just visiting MP and leaving back from AC the same day. It will be a busy day. Even with the two-part visit that we had, we rushed to the bus stop when we got off the train. Most people getting off ...
by InMyDreams
Sat Feb 16, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Help plan [Machu Picchu], Sacred Valley trip
Replies: 25
Views: 1850

Re: Help plan [Machu Picchu], Sacred Valley trip

Are you staying in Ollantaytambo, or Urubamba? We stayed in the latter, and visited the ruins at the former. Do you live at altitude? We had several who had altitude sickness symptoms in Urubamba. The guide really wanted everyone to rest on the day we arrived in Urubamba. A couple of us didn't, and ...
by InMyDreams
Sat Feb 16, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: CCRCs - problems with the transition process to higher care levels?
Replies: 26
Views: 1263

Re: CCRCs - problems with the transition process to higher care levels?

I have concerns in the opposite direction: the new CCRC near me (which refers to itself as a lifeplan community, I think?) is a different type, where you receive 90% back of the cost of moving in to your apartment to use as your nursing costs - in their facility (not yet developed) or one of your ch...
by InMyDreams
Tue Feb 12, 2019 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Financial Planning / estate posturing with thought of becoming SINGLE (Widow (er)) in near future.
Replies: 4
Views: 897

Re: Retirement Financial Planning / estate posturing with thought of becoming SINGLE (Widow (er)) in near future.

Surviving spouse may sell a residence (must have lived in it 2 out of last 5 years) using the full exclusion of $500K. Must sell within two years. https://www.kiplinger.com/slideshow/taxes/T021-S001-most-overlooked-tax-breaks-for-the-newly-widowed/index.html Kiplinger gives other ideas, too. So sorr...
by InMyDreams
Mon Feb 11, 2019 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Open personal HSA or use company HSA?
Replies: 32
Views: 1791

Re: Open personal HSA or use company HSA?

RickBoglehead wrote:
Mon Feb 11, 2019 6:53 pm
Only if you want to pay with after-tax dollars... Company HSA is pre tax .
Perhaps you mean pre-FICA dollars? Contributions made thru payroll deduction are both pre-FICA and pre-income tax.

Contributions made by an individual to an HSA are only pre-income tax.
by InMyDreams
Sat Feb 09, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: Credit ID hacked, got $4900 T-Mobile bill
Replies: 36
Views: 4462

Re: Credit ID hacked, got $4900 T-Mobile bill

Cynically, it seems that in today's world, the aggrieved is also the one who must take charge of resolving issues not of their own doing. You might check to see if you have any ID Theft protection buried within a policy. For example, my short term disability policy has an ID theft rider. Not sure t...
by InMyDreams
Fri Feb 08, 2019 1:05 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 194
Views: 23310

Re: Roll Call for the Retirement Class of 2019!

Just started the one-day-a-week schedule :D

Fully funded my 2019 HSA before the change.

Enjoying sleeping in in the mornings :)
by InMyDreams
Thu Feb 07, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: SW USA vacation spots w/teens (Las Vegas->Grand Canyon->Scottsdale)
Replies: 26
Views: 1260

Re: SW USA vacation spots w/teens (Las Vegas->Grand Canyon->Scottsdale)

I hope you'll save Monument Valley & Canyon de Chelly for a future visit. Load up with some of the movies that have used MV for scenery before you go: https://en.wikipedia.org/wiki/List_of_appearances_of_Monument_Valley_in_the_media#Motion_pictures Canyon de Chelly https://en.wikipedia.org/wiki/Cany...
by InMyDreams
Wed Feb 06, 2019 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Strategies/timing for financing law school
Replies: 14
Views: 754

Re: Strategies/timing for financing law school

obtaining scholarships and loans outside the federal programs can affect the federal assistance, but you might look to see what is available outside the box. One organization you might look at is peointernational.org - it supports women pursuing higher education. She will need to connect with a loca...
by InMyDreams
Wed Feb 06, 2019 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Designating someone to interface to SSA (not Representative Payee)
Replies: 18
Views: 697

Re: Designating someone to interface to SSA (not Representative Payee)

... " https://www.ssa.gov/OP_Home/cfr20/404/404-1705.purpose.htm ... HueyLD, that's fantastic. Could you update the link to the first section? It's not working for me. I don't know if my father will need to interact in person with the SSA again, but this is an alternative that may be viable.
by InMyDreams
Tue Feb 05, 2019 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Designating someone to interface to SSA (not Representative Payee)
Replies: 18
Views: 697

Re: Designating someone to interface to SSA (not Representative Payee)

Right, Steiner's video jives with what I heard at the SSA office yesterday: Representative Payee is the closest SSA equivalent to a POA.

Thanks again for all your responses.
by InMyDreams
Tue Feb 05, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: Tax Season Tax Options
Replies: 39
Views: 3527

Re: Tax Season Tax Options

You could consider going to TaxAide or Vita - no charge for the volunteer preparer, no charge for federal or state efile. All returns are quality reviewed by another volunteer.

TaxAide will do a few more complicated things than Vita, they both have limited scopes - but can still do a lot.
by InMyDreams
Tue Feb 05, 2019 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Designating someone to interface to SSA (not Representative Payee)
Replies: 18
Views: 697

Re: Designating someone to interface to SSA (not Representative Payee)

OK, thank you for your replies. It seems silly - we encourage people to plan for the future, including when we can't speak for ourselves, but there's no way to pre-designate a RP without activating that role fully? But it doesn't have to make sense, huh. My father is still making his own financial d...
by InMyDreams
Tue Feb 05, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Designating someone to interface to SSA (not Representative Payee)
Replies: 18
Views: 697

Designating someone to interface to SSA (not Representative Payee)

My father is finding it to be increasingly taxing to interface with institutions, and relying more and more on his children to do this for him, or at least assist with this. From the conversation we had yesterday at the SSA office, and from what I've found to read from the SSA, there's no way to des...
by InMyDreams
Tue Feb 05, 2019 12:46 am
Forum: Personal Consumer Issues
Topic: Please Help Me Find a Travel Group for My 70-Year-Old Mom
Replies: 30
Views: 1855

Re: Please Help Me Find a Travel Group for My 70-Year-Old Mom

She might look at Overseas Adventure Travel. Small groups (16 or fewer), very well organized, they look out for their people.
by InMyDreams
Mon Feb 04, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: SW USA vacation spots w/teens (Las Vegas->Grand Canyon->Scottsdale)
Replies: 26
Views: 1260

Re: SW USA vacation spots w/teens (Grand Canyon, Santa Fe, ???)

Canyon de Chelly? Monument Valley? The Four Corners area has many old Native American sites, including Hovenweep. Probably too cold to go to Mesa Verde, but barring rain, you might do OK at Chaco Canyon. Lower Calf Creek Falls near Escalante is an easy and pretty hike. Get a guide book to find Upper...
by InMyDreams
Sun Feb 03, 2019 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: 8606 ? [Is this IRS Form 8606 correct?]
Replies: 8
Views: 798

Re: 8606 ?

Most people make contributions to an IRA using pre-tax (deductible) dollars. Some people, in order to take advantage of growing dollars in a tax-advantaged account (i.e., an IRA) but who do not qualify to make deductible contributions (e.g., income too high), choose to make non-deductible contributi...
by InMyDreams
Mon Jan 28, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: Sharing Elementary Class Photos
Replies: 40
Views: 2796

Re: Sharing Elementary Class Photos

Once you're certain that you're not violating policies (school, privacy, etc) - consider locating your local historical society, possibly genealogy society. Several years ago, I visited the historical society in the Chicago suburb where my father grew up. They requested copies of one of his elementa...
by InMyDreams
Mon Jan 21, 2019 12:09 pm
Forum: Investing - Theory, News & General
Topic: Tell me your HSA strategy/advice
Replies: 52
Views: 4893

Re: Tell me your HSA strategy/advice

If I were you and were to have around $12k total by Medicare (did I read that correctly?), Yes, barring increases in contribution limits, the most I can contribute before starting Medicare will be $12k. On the other hand - I will probably have enough just in premiums next year to get it on to sched...
by InMyDreams
Mon Jan 21, 2019 11:53 am
Forum: Investing - Theory, News & General
Topic: Tell me your HSA strategy/advice
Replies: 52
Views: 4893

Re: Tell me your HSA strategy/advice

I've been mulling this over, and don't see a best choice for me. Between now and Medicare, I will put at most $12k into the HSA (under current limits). My insurance premiums are out of a paycheck this year, but will not be in 2020, and 2020 will be an expensive year. Plus I'll have any medical expen...
by InMyDreams
Mon Jan 21, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: HSA [How do I organize expenses for future reimbursement?]
Replies: 35
Views: 2299

Re: HSA [How do I organize expenses for future reimbursement?]

... 2. On the first weekend of the following month, get a beer. 3. With beer in hand, open spreadsheet and enter - date of receipt, vendor, purpose/service/product obtained, and amount. Then add a number to that row to identify the receipt. ... Do you suppose the cost of the beer is deductible as a...
by InMyDreams
Tue Jan 15, 2019 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Brother in law had a stroke (health ins options?)
Replies: 10
Views: 1142

Re: Brother in law had a stroke (health ins options?)

Have you contacted MegaCorp's Benefits department? They'll know what benefits are available thru the corp, and maybe other resources. Some companies allow employees to donate leave, for instance. FMLA should cover him for three months using MegaCorps insurance. Then COBRA, then ACA, then Medicare. H...
by InMyDreams
Mon Jan 14, 2019 10:52 pm
Forum: Personal Consumer Issues
Topic: Bogleheads-type forum for Genealogy Research?
Replies: 11
Views: 961

Re: Bogleheads-type forum for Genealogy Research?

Focusing on getting started: Familysearch's wiki: https://www.familysearch.org/wiki/en/Family_History_for_Beginners Another website that I like: https://www.familytreeforum.com/content.php/58-Getting-Started The latter has a lot of people who know what they're doing and have great advice. Many are i...
by InMyDreams
Wed Jan 09, 2019 8:15 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 98
Views: 8988

Re: Shingrix [Vaccine availability]

sport wrote:
Wed Jan 09, 2019 8:06 pm
The questionnaire we filled out when we got the last shot asked "Are you at least 50 years old?"
updated my post. Wikipedia agrees that it is approved for 50+/

But - zostavax was eventually approved for 50+, but my insurance stated it would not pay until 60. So, check with your insurance, too.
by InMyDreams
Wed Jan 09, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 98
Views: 8988

Re: Shingrix [Vaccine availability]

sport wrote:
Wed Jan 09, 2019 1:17 pm
ResearchMed wrote:
Wed Jan 09, 2019 12:09 pm
I didn't know an Rx was needed for Shingrix.
It is not needed.
age dependent - if you (for unknown reason) need to be vaccinated before the recommended age (I think that's 60?50?*)

* see subsequent postings
by InMyDreams
Wed Jan 09, 2019 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5130

Re: Diagnosing Knee Problems over the Phone - Medicare

you might try looking for a sports medicine or physiatrist (physical medicine) doctor in your area. They might be quicker to get in to, and provide the first eval that the orthopod wants. I was recently grateful that my father was not on a Med Advantage program. When I needed a fast second opinion f...
by InMyDreams
Wed Jan 09, 2019 1:03 am
Forum: Personal Consumer Issues
Topic: How to save on prescription drug costs?
Replies: 43
Views: 2725

Re: How to save on prescription drug costs?

I use a brand name prescription eye drop and bought a bottle today. Pharmacist told me that it retails for nearly $400. My insurance's negotiated price is $178 - all mine to pay right now, because I haven't met my deductible. With a "coupon", I paid $25. Crazy. Moral: find a pharmacy that finds the...
by InMyDreams
Tue Jan 08, 2019 9:33 pm
Forum: Forum Issues and Administration
Topic: DNS or Hosting Issues?
Replies: 13
Views: 609

Re: DNS or Hosting Issues?

livesoft wrote:
Tue Jan 08, 2019 5:32 pm
Acts fixed now. :)

Or maybe not.
--do--
by InMyDreams
Tue Jan 08, 2019 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance informs me after procedure that they won't cover all of it
Replies: 20
Views: 1599

Re: Health insurance informs me after procedure that they won't cover all of it

A co-worker went for a colonoscopy last year. When she arrived (prep completed, of course), she was informed that the gastroenterologist would be using an anesthetist, whose service would be billed to her if her insurance refused to cover it. $175 charge. They apologized for not informing her prior ...
by InMyDreams
Tue Jan 08, 2019 8:56 pm
Forum: Personal Consumer Issues
Topic: How to save on prescription drug costs?
Replies: 43
Views: 2725

Re: How to save on prescription drug costs?

I use a brand name prescription eye drop and bought a bottle today. Pharmacist told me that it retails for nearly $400. My insurance's negotiated price is $178 - all mine to pay right now, because I haven't met my deductible. With a "coupon", I paid $25. Crazy. Moral: find a pharmacy that finds the ...
by InMyDreams
Tue Jan 08, 2019 8:53 pm
Forum: Personal Consumer Issues
Topic: Alta/Snowbird/Solitude
Replies: 6
Views: 870

Re: Alta/Snowbird/Solitude

by InMyDreams
Mon Jan 07, 2019 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 274
Views: 23283

Re: $40,000 in debt, bankruptcy seems to be the best option right now

Seriously, CSL Plasma says they may pay "up to" $400/month. Undoubtedly, that would mean twice a week donation. Two adults donating... Yard sale. Have the children outgrown toys, bassinets, clothes and so on? What about your own toys? kitchen gadgets? sports equipment? OP, I wish you well. It's a to...
by InMyDreams
Mon Jan 07, 2019 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to estimate health insurance costs in case of job loss?
Replies: 22
Views: 1163

Re: Best way to estimate health insurance costs in case of job loss?

some people find this to be an easier way to query the marketplace
www.healthsherpa.com
by InMyDreams
Sun Jan 06, 2019 1:04 am
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 274
Views: 23283

Re: $40,000 in debt, bankruptcy seems to be the best option right now

Definitely see if you can find some kind of quick way to earn some extra money, but NOT any kind of MLM selling or anything that requires you to spend money upfront. I'm talking about something like participating in market research studies , working a temp job, selling some of your used kid stuff o...
by InMyDreams
Sun Jan 06, 2019 12:53 am
Forum: Personal Consumer Issues
Topic: Advice Regarding Out-of-Network Billing
Replies: 9
Views: 702

Re: Advice Regarding Out-of-Network Billing

not a problem at my hospital network anymore - the hospital network requires all physicians in the contracted service to accept all the insurances that the hospital accepts. But - back before that change, it was common for people coming in to specify, first thru their surgeon, and subsequently with ...
by InMyDreams
Sat Jan 05, 2019 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 274
Views: 23283

Re: $40,000 in debt, bankruptcy seems to be the best option right now

Conserve cash and costs wherever you can. Visit a food pantry to cut costs on your food bill. Not sure if you & your family would qualify for food stamps (SNAP) or WIC: https://en.wikipedia.org/wiki/WIC#Income_requirements https://en.wikipedia.org/wiki/Supplemental_Nutrition_Assistance_Program If yo...
by InMyDreams
Tue Jan 01, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: Save expired passports?
Replies: 26
Views: 2191

Re: Save expired passports?

Unless I'm wrong, I believe even an expired passport can be used to establish proof of citizenship. I wouldn't toss it away. I had let my passport lapse > 10 years, so had to do the long form, in person re-application. I brought my old passport and various copies of documents, as well as copy of my...
by InMyDreams
Sun Dec 30, 2018 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual Whole Life Insurance (65 Life)
Replies: 61
Views: 3522

Re: Northwestern Mutual Whole Life Insurance (65 Life)

Any recommendations where I could find one? I was actually searching for one, when a friend recommended this advisor from Northwestern Mutual.. In general, BH philosophy is to gain self-education and do it yourself. Have you visited White Coat Investor's website? - woops, I don't think you've indic...
by InMyDreams
Sun Dec 30, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Father with Dementia Took a Full IRA Distribution
Replies: 56
Views: 5515

Re: Father with Dementia Took a Full IRA Distribution

...we are paying for home hospice until that happens which is not cheap... Hmm. Presumably he is on Medicare - Medicare pays 100% of hospice costs, so perhaps this is the additional private duty for additional nursing care? Not sure if private duty can be taken as a medical expense for tax deductio...
by InMyDreams
Thu Dec 27, 2018 8:51 pm
Forum: Personal Investments
Topic: 401(K) for sister-in-law
Replies: 14
Views: 589

Re: 401(K) for sister-in-law

The first thing she should determine is what is her retirement savings rate. For someone starting early in their mid-20s, a 15% retirement savings rate is a good place to start. If she balks at that, try starting with 10% and bumping it up 1%/year. Once she gets fully involved with a family it may ...
by InMyDreams
Sat Dec 15, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5291

Re: Forgoing health insurance

Couple of (more) thoughts: * it's not like there's an even distribution of the price of medical bills for an individual for a year. Meaning: some have mentioned that it's not that bad as what everyone is saying, you'd be able to fend for yourself. But, in my experience, there is such a wide varianc...
by InMyDreams
Sat Dec 15, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5291

Re: Forgoing health insurance

Couple of (more) thoughts: * it's not like there's an even distribution of the price of medical bills for an individual for a year. Meaning: some have mentioned that it's not that bad as what everyone is saying, you'd be able to fend for yourself. But, in my experience, there is such a wide variance...
by InMyDreams
Fri Dec 14, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5291

Re: Forgoing health insurance

I pay the premiums, because I know it can absolutely happen to me too. :thumbsup OP, I'm not an expert, and I have not bought insurance in the marketplace. But I think it is true that you may sign up for an ACA plan, and cancel at anytime. That would give you time to consider this carefully. Others...
by InMyDreams
Fri Dec 14, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5291

Re: Forgoing health insurance

You may find this useful reading: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=257097 and you may find this website useful: https://www.dpcfrontier.com/mapper you could take a look at MrMoneyMustache.com - health insurance for the FIRE members is a frequent topic of conversation. One thing ...
by InMyDreams
Fri Dec 14, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5291

Re: Forgoing health insurance

That's a good point. If OP is freelancing and therefore self-employed, then isn't the health insurance actually 50% of the cost because half of it is taken off the taxes? I think we covered this in TaxAide class yesterday, but I think it's new to the tax law this year. OP - think of all your unprot...
by InMyDreams
Wed Dec 05, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance for FIRE [Financial Independence Retire Early]
Replies: 83
Views: 6624

Re: Health insurance for FIRE

OP and others - have you found this website for looking at the market place across insurers? https://www.healthsherpa.com/marketplace/zip_code IMO, healthcare insurance is a crap shoot right now. I'm having difficulties discerning the next ~3 years, much less some 20 years. This question is often di...
by InMyDreams
Sun Dec 02, 2018 11:30 pm
Forum: Personal Investments
Topic: Simple Person Needs Simple Advice Regarding Retirement
Replies: 26
Views: 2391

Re: Simple Person Needs Simple Advice Regarding Retirement

I know of an estate planner and also a financial planner that might be trustworthy. I think others may be able to speak with more knowledge, but I think there's a difference between an estate planner and an elder law attorney. Perhaps you need both, but I was talking about an elder law attorney. As...
by InMyDreams
Sun Dec 02, 2018 11:04 am
Forum: Personal Investments
Topic: Simple Person Needs Simple Advice Regarding Retirement
Replies: 26
Views: 2391

Re: Simple Person Needs Simple Advice Regarding Retirement

You've taken steps to help simplify your life ( :thumbsup) , but I wonder if you need to plan for a time when you are even less able to handle details? You might look for a good elder law attorney to see what other suggestions s/he might make. Another resource to consider: an experienced advice-only...