Search found 825 matches

by InMyDreams
Sat Sep 19, 2020 5:22 pm
Forum: Personal Consumer Issues
Topic: Not allowed to do testing/imaging outside hospital network
Replies: 19
Views: 1331

Re: Not allowed to do testing/imaging outside hospital network

You should check into your patient rights, as afforded by your state and local regulations, to see if this sort of policy is allowed in your state. If it is not allowed by your state or local regulations, complain directly to the appropriate state / local agency. If it is allowed by your state / lo...
by InMyDreams
Sat Sep 19, 2020 12:01 pm
Forum: Personal Consumer Issues
Topic: Not allowed to do testing/imaging outside hospital network
Replies: 19
Views: 1331

Re: Not allowed to do testing/imaging outside hospital network

I've always understood that patient's have the right to choose the providers for lab work and treatments...that a physician requiring you to obtain services from particular providers was a potential conflict of interest... talk to patient relations or a state regulator. Things do change, and I'm not...
by InMyDreams
Sat Sep 19, 2020 11:52 am
Forum: Personal Investments
Topic: Moving Roth IRA from TIAA to Vanguard
Replies: 9
Views: 473

Re: Moving Roth IRA from TIAA to Vanguard

Monday Dec 10, 2018 Received an email from Schwab that TIAA would not release the funds unless I contacted TIAA directly. I called TIAA and they sent me the form I needed to fill out and return to TIAA , which I did. It appears they wanted a wet ink signature, so I mailed it to them. This. I moved ...
by InMyDreams
Sat Sep 19, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: Getting rid of silverfish
Replies: 14
Views: 1403

Re: Getting rid of silverfish

I've had good luck contacting my county extension center for the various pests in garden and house. They usually have a good perspective and aren't in the business of selling you something.
by InMyDreams
Mon Sep 14, 2020 4:55 pm
Forum: Personal Consumer Issues
Topic: Caretaker for parents?
Replies: 45
Views: 2642

Re: Caretaker for parents?

...They've made it clear that they don't even want to find help through their long term disability insurance and wish for "family" to be the ones to help . Yeah, what is it about that. I'm running into it with my father, and I've seen it in others, dementia or not. It always makes me think of the T...
by InMyDreams
Mon Sep 14, 2020 4:17 pm
Forum: Personal Consumer Issues
Topic: Closing disclosure 3 day rule non compliance
Replies: 19
Views: 1831

Re: Closing disclosure 3 day rule non compliance

It's been a long time since I closed on my house. But. People in my office were filling me full of horror stories about their own closing, including photocopying the extra cash payment that they had to cough up at closing (to prove it was paid; probably illegal, however), and so on. I found my state...
by InMyDreams
Thu Sep 03, 2020 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Continuing Care Retirement Community Entrance Fee
Replies: 106
Views: 7262

Re: Continuing Care Retirement Community Entrance Fee

If there is a nursing facility, check the CMS rating - not a guarantee in and of itself. And as with a fund's performance, past performance does not guarantee future performance. Still, I don't know if the contract specifies how well they will comply with CMS guidelines? My uncle is in a CCRC near a...
by InMyDreams
Mon Aug 31, 2020 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Financial guidance for my 30-something niece
Replies: 9
Views: 1186

Re: Financial guidance for my 30-something niece

Octavia wrote: Mon Aug 31, 2020 9:58 amShe's in her mid-30s and a struggling ballet teacher in NYC.

... Her studio has been knee-capped by Covid-19. She does not, however, have health insurance.
I suspect in NY state, she would qualify for Medicaid.
by InMyDreams
Mon Aug 31, 2020 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Continuing Care Retirement Community Entrance Fee
Replies: 106
Views: 7262

Re: Continuing Care Retirement Community Entrance Fee

If it's been mentioned, I'm sorry - The local CCRC here (and others that I've heard of) will return your 90% of the money only after they sell/rent your apartment/villa to someone else. Check your state's laws regarding that money. I think I've been told that there is some sort of return plan writte...
by InMyDreams
Mon Aug 31, 2020 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: What is TIAA? Investment company? Insurance company? A mix?
Replies: 31
Views: 1891

Re: What is TIAA? Investment company? Insurance company? A mix?

3)TIAA has this weird 'vintage' system where the payout/return you get depends on when you put the money in. It is arguably the fairest way to do things, but it adds complexity. The bottom line is that if Adam puts money into Trad over a few decades, and Betty does a lump sum right before annuitizi...
by InMyDreams
Mon Aug 31, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: Raccoons!
Replies: 38
Views: 2552

Re: Raccoons!

In my state, I've been informed that it is legal to exterminate a raccoon, illegal to move to a new location. Feds used to offer a program - you trap, they remove, just call them early in the morning. That went away a long time ago. I've done the same with a pest company - I trapped, he removed. As ...
by InMyDreams
Sat Aug 29, 2020 11:36 am
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 314
Views: 22242

Re: So what are you cooking

Tomatoes are on. Gazpacho - Tomatoes, onion, garlic, EVOO, sherry vinegar, slice of sourdough, salt if using - into the blender. If you can, let it mellow overnight or longer. Serve cold with garnish as desired: croutons, chopped cukes, peppers, onions I've also been putting a freshly diced (finely)...
by InMyDreams
Sat Aug 29, 2020 11:30 am
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 278
Views: 24010

Re: Oddly Difficult to Find Items During the Pandemic

** Mylanta (liquid) and its generics. Weird, but two different big-chain grocery stores, and the shelf is either empty, or has one (and now has none). ** I went looking for rum extract - good luck with that. I noticed that a few basic flavors were there (vanilla, peppermint, almond) but not the plet...
by InMyDreams
Sat Aug 29, 2020 11:17 am
Forum: Personal Consumer Issues
Topic: Bee keeping
Replies: 64
Views: 3377

Re: Bee keeping

I keep Orchard Mason bees now. These are a native bee, easy to keep (just need to set out nesting tubes in the spring, and optionally collect/clean them in the winter) and great pollinators. No honey or other byproducts. I've been told that the larger black bees in my garden are Orchard Bees - does...
by InMyDreams
Fri Aug 28, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: Bee keeping
Replies: 64
Views: 3377

Re: Bee keeping

I'm envious, I love the bees in my backyard. But I just don't see my self as a beekeeper.

I do recommend watching Ulee's Gold.
by InMyDreams
Thu Aug 27, 2020 11:53 am
Forum: Personal Consumer Issues
Topic: Bee keeping
Replies: 64
Views: 3377

Re: Bee keeping

not a beekeeper here...but I have eyed community classes about beekeeping. To me, it would seem like a class would be an opportunity to get the gist before digging in on my own. Maybe even find a community and/or a mentor that can help.
by InMyDreams
Sat Aug 22, 2020 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Stage 4 Cancer and Young Family
Replies: 105
Views: 14659

Re: Stage 4 Cancer and Young Family

I have bought some books for her to read and go over with her, including Bogleheads guide to Investing. OP, so sorry to for this difficult situation. If she's not very financially savvy, Jane Bryant Quinn's How to make your money last might be an easier read, especially to start. Good advice given ...
by InMyDreams
Fri Aug 21, 2020 10:00 pm
Forum: Personal Consumer Issues
Topic: Good quality face mask recommendation, please
Replies: 51
Views: 5237

Re: Good quality face mask recommendation, please

I have used the Envo Mask and found it very comfortable. A bit more expensive at $79, but the n95 filters can be replaced and the gel is very comfortable (and more importantly, creates a seal around your nose / mouth). I've taken this on flights where I wore it for 5+ hours from the minute I entere...
by InMyDreams
Sat Aug 15, 2020 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Risk with paying someone with a personal check
Replies: 76
Views: 5135

Re: Risk with paying someone with a personal check

A friend wrote a check to a person who provided a small service. That person "deposited" the check image and didn't properly dispose (shred) of the check itself. Someone started to use that check's info to make small charges - during a time when my friend was recovering from surgery. It was a few mo...
by InMyDreams
Sat Aug 15, 2020 11:48 am
Forum: Personal Finance (Not Investing)
Topic: If I use paypal to make a donation does paypal give out info about me to the group I am donating to?
Replies: 7
Views: 873

Re: If I use paypal to make a donation does paypal give out info about me to the group I am donating to?

If you're planning on itemizing it would be a good idea to get a receipt from the charity. Just for clarity - NFG does give a receipt, and it is a DAF - donations to it are tax deductible. NFG will give to any recognized 501(c)3. I did have a charity that had requested NFG not to accept funds on th...
by InMyDreams
Sat Aug 15, 2020 12:00 am
Forum: Personal Investments
Topic: Variable Annuity vs Mutual Funds
Replies: 17
Views: 1209

Re: Variable Annuity vs Mutual Funds

BL wrote: Wed Aug 12, 2020 1:12 am
How to Make Your Money Last - Completely Updated for Planning Today: The Indispensable Retirement Guide
by Jane Bryant Quinn | Jan 7, 2020
4.7 out of 5 stars 481
Paperback
$12.79
(Amazon price)
+1 - great perspective, basic principles, easy reading.
by InMyDreams
Fri Aug 14, 2020 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: If I use paypal to make a donation does paypal give out info about me to the group I am donating to?
Replies: 7
Views: 873

Re: If I use paypal to make a donation does paypal give out info about me to the group I am donating to?

There are also DAFs that accept directed donations. I have used Network for Good. The receipt for the donation comes from them. You may choose to add your contact info - or not. https://www.nfggive.com/home Of course, there is an admin fee that they charge - in part because many/most donations are d...
by InMyDreams
Fri Aug 07, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Dealing with Father-in-Law's Medical Issues
Replies: 39
Views: 3754

Re: Suggestions for Dealing with Father-in-Law's Medical Issues

So, it sounds like he's basically either a para or quadriplegic. Did the rehab unit that he was in have many new paras or quads? How good was the discharge planner and social worker? There is such a thing as adult day care, and some may even take paras and quads. Having someone like a discharge plan...
by InMyDreams
Wed Aug 05, 2020 5:29 pm
Forum: Personal Consumer Issues
Topic: Good quality face mask recommendation, please
Replies: 51
Views: 5237

Re: Good quality face mask recommendation, please

I have a sheet of rubber on my desk to cut and try that option. https://www.fixthemask.com/make-it I too purchased the rubber sheets, and definitely find it a tighter, more occlusive fit than without - except over the nose bridge. Their developing silicone brace appears to have a ridge over the noi...
by InMyDreams
Tue Aug 04, 2020 10:51 pm
Forum: Personal Consumer Issues
Topic: Mosquitos! Mosquitos! Mosquitos!
Replies: 124
Views: 9076

Re: Mosquitos! Mosquitos! Mosquitos!

I don't think the previous Mosquito thread has been mentioned. It had the pros and cons of several different approaches: https://www.bogleheads.org/forum/viewtopic.php?t=283472 based on the thread, I've tried Spartan. I put them out early this year, and have had few if any mosquitoes in my back yar...
by InMyDreams
Tue Aug 04, 2020 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: College tuitions and how to help our daughter pay them
Replies: 85
Views: 4861

Re: College tuitions and how to help our daughter pay them

Most university departments and programs have small $500-$1500 scholarships... Also, looking for funds outside the usual places. One is PEO International, and the state chapter that you live in. PEO is not very helpful in the first two years of college, but may be after that. Be aware that some out...
by InMyDreams
Mon Aug 03, 2020 11:04 am
Forum: Personal Consumer Issues
Topic: Fruit/vegetable planning for winter cooking
Replies: 10
Views: 984

Re: Fruit/vegetable planning for winter cooking

Another favorite is rough cut tomatoes in quarters or eighths, drizzle with olive oil and season with salt and pepper then roast at 375-400 until they are softened to nearly mush. Let that cool then place in plastic sandwich bag and freeze. A bag like that of already roasted tomatoes with moderate ...
by InMyDreams
Mon Aug 03, 2020 10:54 am
Forum: Personal Finance (Not Investing)
Topic: HSA funding limits?
Replies: 7
Views: 797

Re: HSA funding limits?

After doing some research on this. What I have come up with is that since my HSA contribution eligibility ends on Sept 1st then I need to multiply the the annual HSA total limits by 8/12 or .666 2020 Individual limit $3,550.00 + $1000.00 catch up = $ 4, 3 50.00 x .666 = $2,897.00 max contribution. ...
by InMyDreams
Sat Aug 01, 2020 10:09 pm
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 278
Views: 24010

Re: Oddly Difficult to Find Items During the Pandemic

Kid's Clif "Protein" bar, Chocolate Mint. Haven't seen 'em for a couple of weeks.
by InMyDreams
Sat Aug 01, 2020 10:06 pm
Forum: Personal Consumer Issues
Topic: Fruit/vegetable planning for winter cooking
Replies: 10
Views: 984

Re: Fruit/vegetable planning for winter cooking

Freeze apples into apple pie filling.
Freeze applesauce or make dried apples.
Freeze tomatoes to use like you would use canned tomatoes - I've given up canning.
Frozen peaches from the farmer's market for fresh peach taste year round.
by InMyDreams
Thu Jul 30, 2020 2:51 pm
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 214
Views: 15953

Re: Gardening 2020

Lemon cucumber is alive, sort of growing - but no fruit to be seen. Black cherry tomato is producing :) Celebrity keeps plugging along. Jetstar has recently started adding to the supply. Mortgage Lifter - a pinky tomato that can have problems with blossom end rot - is as tall as I am, has produced t...
by InMyDreams
Wed Jul 29, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: Mosquitos! Mosquitos! Mosquitos!
Replies: 124
Views: 9076

Re: Mosquitos! Mosquitos! Mosquitos!

I don't think the previous Mosquito thread has been mentioned. It had the pros and cons of several different approaches: https://www.bogleheads.org/forum/viewtopic.php?t=283472 based on the thread, I've tried Spartan. I put them out early this year, and have had few if any mosquitoes in my back yard...
by InMyDreams
Sun Jul 26, 2020 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: On-call on weekends ?
Replies: 65
Views: 6188

Re: On-call on weekends ?

Nicolas wrote: Sat Jul 25, 2020 6:06 pm Back when I was working at MegaCorp we were paid 1/4 time for being on call but not actually working. It was policy.
I don't think anyone has mentioned this -
OP, did you check your corp's oncall policy? It always amazes me what a single department may choose to ignore.
by InMyDreams
Sat Jul 25, 2020 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Talking to my widowed Mom about money
Replies: 34
Views: 2988

Re: Talking to my widowed Mom about money

As Stinky said: family harmony after she is gone is a great goal. Not entirely pertinent to the topic, but I would suggest that you (and she!) read Beyond the Grave . Easy read, and focuses on family harmony after you're gone. He advises being very open (in most situations) about how any remaining e...
by InMyDreams
Sat Jul 25, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: eliquis - discount card
Replies: 8
Views: 678

Re: eliquis - discount card

you can use the google search box in the upper right hand corner to search for "canadian pharmacies". and perhaps Trump's executive order will make brand name drugs less expensive, but not certain how fast this will happen: https://www.npr.org/2020/07/24/895290378/trump-signs-executive-orders-on-dru...
by InMyDreams
Wed Jul 22, 2020 11:07 am
Forum: Personal Consumer Issues
Topic: Medicare Part D Drug Prices
Replies: 16
Views: 1138

Re: Medicare Part D Drug Prices

I'm not using GoodRx, but the local pharmacy that I use is good about checking to see if a cash price is better than using insurance (including MCare D for my father, or private insurance for myself) and also checking for "coupons" from the manufacturer. It can also be enlightening to price drugs sh...
by InMyDreams
Tue Jul 21, 2020 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Give new doctor a SSN?
Replies: 86
Views: 7198

Re: Give new doctor a SSN?

criticalmass wrote: Mon Jul 20, 2020 11:11 pmThen at the very end, they said the state needed my SSN to register the car....
so what did you do???
by InMyDreams
Tue Jul 21, 2020 11:09 am
Forum: Personal Consumer Issues
Topic: Walking OK with sun exposure?
Replies: 87
Views: 5986

Re: Walking OK with sun exposure?

From the river running trip, and applies to outdoor activities in a dry climate - wear a light weight shirt. When you're hot, make it wet and use evaporative cooling to cool yourself off. In the worst of my heat, I walk with a spray bottle/fan combo (don't know the name, but I see them at Target, et...
by InMyDreams
Mon Jul 20, 2020 11:10 am
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 112
Views: 12005

Re: what is your weekly workout routine?

toofache32 wrote: Sat Jul 18, 2020 9:42 pm Many evenings I do 12-ounce curls. I'm working my way up to 40-ounce curls.
Hammer curls, right? Hope you make sure left and right arms get equal load...
by InMyDreams
Mon Jul 20, 2020 10:49 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 294
Views: 34765

Re: What have you baked recently?

... still have 1 bag of apples left over. If you have freezer space - I make pie filling just like I would if I were going to bake a pie. Instead of baking, I line a pie tin with plastic wrap, place the pie mix in the tin, freeze. Once frozen, remove from pie tin (with the wrap), put in plastic bag...
by InMyDreams
Mon Jul 20, 2020 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Give new doctor a SSN?
Replies: 86
Views: 7198

Re: Give new doctor a SSN?

Broken Man 1999 wrote: Sun Jul 19, 2020 2:33 pm maybe doctors should run credit checks before accepting someone as a patient.
Under somewhat different circumstances, I've heard this referred to as a "wallet biopsy"

BTW, my issue is settled (mentioned in a previous post).

Thank you, all!
by InMyDreams
Sun Jul 19, 2020 12:13 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 112
Views: 12005

Re: what is your weekly workout routine?

Shortly after COVID started, I ordered two cables for strength training, and started to use the green band right away, along with hand weights or strap on weights. Then gardening started, and I was getting plenty of "functional fitness". Gardening is usually less intense now, so I need to start back...
by InMyDreams
Sat Jul 18, 2020 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Give new doctor a SSN?
Replies: 86
Views: 7198

Re: Give new doctor a SSN?

When asked for my SS# (by anyone other than the IRS and SS), I give them XXX-XX and the last 4 actual digits. No one complains. The last four of your SSN is the most randomized portion of the number, especially numbers issued prior to the time that they stopped giving out numbers that were based on...
by InMyDreams
Sat Jul 18, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: Caviar?
Replies: 8
Views: 576

Re: Caviar?

by InMyDreams
Fri Jul 17, 2020 11:14 am
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 278
Views: 24010

Re: Oddly Difficult to Find Items During the Pandemic

Still no yeast at the stores we do curbside pickup. Yeast prices on Amazon have gotten better, almost normal, at bulk sizes. There's a brand they sell called "saf-instant." Never heard of it. Tried it, and it works great. I'm surprised it's still difficult to buy where you are - it's been back on s...
by InMyDreams
Fri Jul 17, 2020 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Give new doctor a SSN?
Replies: 86
Views: 7198

Re: Give new doctor a SSN?

Thank you all - BH'ers are always great info sources, and give a variety of perspectives to consider. If you look at the recent Twitter hack, it wasn't an individual account that was hacked - it appears that someone got admin privileges and got to access info and tweet ad lib. If Twitter can be hack...
by InMyDreams
Thu Jul 16, 2020 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Give new doctor a SSN?
Replies: 86
Views: 7198

Re: Give new doctor a SSN?

an input for Soc. Sec. number which didn't make sense as we were paying cash. He said it was a requirement of the Dept. of Motor Vehicles. The last time I bought a car, the sales (and finance rep) said that SSN was required by Patriot Act. Fortunately, this had been done to a friend of mine and I h...
by InMyDreams
Thu Jul 16, 2020 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Give new doctor a SSN?
Replies: 86
Views: 7198

Re: Give new doctor a SSN?

I'd really like him to go to this doctor, but SSNs are a real sticking point for me. I don't want to ruffle feathers before he even meets to doctor, and I also don't want him to be refused admission to the practice.
by InMyDreams
Thu Jul 16, 2020 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Give new doctor a SSN?
Replies: 86
Views: 7198

Give new doctor a SSN?

My father is transitioning to a new doctor. He is on Medicare. The new office asked for his Medicare Beneficiary Identifier (i.e., new medicare number), but said they also needed his SSN for billing. Really? Everything I've read says that Medicare billing is now based on MBI as the patient identifie...