Search found 393 matches

by InMyDreams
Tue Nov 13, 2018 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to value retiree healthcare benefit
Replies: 20
Views: 1062

Re: How to value retiree healthcare benefit

... in Boston. Cambridge actually. I think that reduces the risk somewhat of the benefit being yanked. OP - not only do you have an employer that seems strong, and probably committed to its retiree promises - but Massachusetts has its own health insurance regulations, that would probably stay stron...
by InMyDreams
Fri Nov 09, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3306

Re: Seeking Advice - Emergency Preparedness

I look at these guys every time they come to Costco: HOW TO BACK UP YOUR HOME WITH THE YETI HOME INTEGRATION KIT https://www.goalzero.com/?msclkid=97e85ef152331a1f172e0514febca513&utm_source=bing&utm_medium=cpc&utm_campaign=802%3A%20Text%20-%20Brand&utm_term=goalzero&utm_content=Goal%20Zero and thin...
by InMyDreams
Tue Nov 06, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: Jitterbug flip phone or alternative?
Replies: 8
Views: 1033

Re: Jitterbug flip phone or alternative?

There are apps for any Android phone that acts like a "skin" or interface and drastically simplifies it. I believe you can customize it so that it only shows the needed functions. If there is someone helping them get this setup, that could be an option and opens up the choices a lot more. Here is a...
by InMyDreams
Sun Nov 04, 2018 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6139

Re: Do I need more than Original Medicare?

Do I need more than Original Medicare? Yes. Need more detail? There is a lifetime penalty (10% per year on the premium) imposed for not enrolling in Part B when first eligible ... Part B coverage begins once a patient meets his or her deductible ($183 for 2017), then typically Medicare covers 80% o...
by InMyDreams
Sun Nov 04, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe Federal + State $29.95
Replies: 94
Views: 7854

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

Longdog wrote:
Sun Nov 04, 2018 3:09 pm

Yes, I recall that too. It requires Mac OS X El Capitan or later. All of those fancy additions, subtractions, and multiplications require a sophisticated operating system. :D
Dang, hard to cry about it when it means that my Mac is a great machine!
by InMyDreams
Sun Nov 04, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: help this RN negotiate job change
Replies: 28
Views: 2877

Re: help this RN negotiate job change

If you move, it might be worth flexing in the old place for a few months to keep your seniority intact just in case the new place isn't all you're expecting (so you can go back if you wish). +1 - especially if there is a retirement system that you are not yet vested in. Hang on as PRN until you rea...
by InMyDreams
Sun Nov 04, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Mom after Dad died talking with financial institutions
Replies: 8
Views: 926

Re: Helping Mom after Dad died talking with financial institutions

As pointed out on another thread, Vanguard and some other institutions have their own POA forms, and do not want to deal with the ones that you drew up with your attorney. https://www.bogleheads.org/forum/viewtopic.php?t=255687 https://www.bogleheads.org/forum/viewtopic.php?t=216392 My brother is ab...
by InMyDreams
Sun Nov 04, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe Federal + State $29.95
Replies: 94
Views: 7854

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

TurboTax told me last year (for tax year 2017) that TurboTax next year (2018 tax year) would not run on my aging Mac.

BTW - for anyone with straightforward taxes, TaxAide will do your taxes for you, efile 'em, and efile your State tax - all for no charge.
by InMyDreams
Fri Nov 02, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: help this RN negotiate job change
Replies: 28
Views: 2877

Re: help this RN negotiate job change

Also look at both jobs in their entirety, patient load at both places, commute, atmosphere of the unit, other benefits. Pay is only one part of the equation. If possible ask to shadow the unit for a day before you make a decision. My wife did this with her last job switch and she was able to get a ...
by InMyDreams
Fri Nov 02, 2018 12:33 am
Forum: Personal Finance (Not Investing)
Topic: help this RN negotiate job change
Replies: 28
Views: 2877

Re: help this RN negotiate job change

It's true that the nursing shortage is back - and the compensation pot is getting sweetened again. And nursing will probably stay in demand for the next while as baby boomers retire or cut back. But in the long run, it's good to keep in mind that demand and circumstances change, and I've seen nurses...
by InMyDreams
Thu Nov 01, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Donut Hole is "Closing" in 2019
Replies: 11
Views: 2326

Re: Medicare Donut Hole is "Closing" in 2019

Thanks, celia - crazy complexities for an insurance primarily for a population with decreasing abilities over time to deal with those complexities.
by InMyDreams
Tue Oct 30, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Donut Hole is "Closing" in 2019
Replies: 11
Views: 2326

Re: Medicare Donut Hole is "Closing" in 2019

...where brand name drugs will cost 25% of the contracted price between the drug manufacturer and insurance carrier, while generics will cost 37%. In 2020, both will cost 25%. OK, I'm confused. I thought there were no negotiated prices for Medicare Part D, which explained why sometimes (a lot of ti...
by InMyDreams
Tue Oct 30, 2018 7:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 123
Views: 15488

Re: Roll Call for the Retirement Class of 2019!

Getting ready for the time of their life! : :D 05 Jan - Canoesmith 15 Jan - David Jay (62) __ Jan - Tycoon __ Jan - doneat53 __ Jan - Osprey __ Jan - cogitan 12 Jan - InMyDreams <<== Welcome to the Class!! after that date, just one day a week. Glad I meet the criteria! And I have a text edit file w...
by InMyDreams
Tue Oct 30, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Dental Mishap
Replies: 46
Views: 4816

Re: Dental Mishap

Root cause analyses show multiple sources of error. The most common is clerical/communications error. The communication from the referring orthodontist to his assistant to the front desk girl who faxes to the surgeon's office to the surgeon's assistant to the surgeon. It's often a "systems" issue a...
by InMyDreams
Tue Oct 30, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Supporting dying father and preparing to support his wife?
Replies: 22
Views: 2438

Re: Supporting dying father and preparing to support his wife?

...appreciate the wife's efforts in relieving you of the much larger burden you would have had to bear in looking after your ailing father had she not been around. +1 Relieving caregiver's burdens is important. She probably has ideas about how she can be helped. It can be helpful to listen closely ...
by InMyDreams
Tue Oct 30, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Supporting dying father and preparing to support his wife?
Replies: 22
Views: 2438

Re: Supporting dying father and preparing to support his wife?

Bless you, gruesome - for hanging in there with him, for trying to find ways to assist. It sounds like he's been in the healthcare system - have they considered hospice and rejected it? Hospice would provide help in the home, and emotional support for both of them. You haven't mentioned your impress...
by InMyDreams
Mon Oct 29, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: What sort of financial planner do I need for an aging relative?
Replies: 9
Views: 1061

Re: What sort of financial planner do I need for an aging relative?

You may find some useful ideas in this thread, but it has more to do with managing the money than providing safe living circumstances. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=259554 I get the feeling that there are really two parts to your thread - managing the money and managing to pro...
by InMyDreams
Sun Oct 28, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: What Memberships/Subscriptions Are Most Valuable To You?
Replies: 68
Views: 4778

Re: What Memberships/Subscriptions Are Most Valuable To You?

I buy Consumer Reports most months at Costco. Costco. Sustaining member of my local NPR station, and will probably do the same at another local Public Radio station (not NPR). Plan to buy: National Park Pass County Rec pass (low cost, pool access, more than one facility within a reasonable distance)...
by InMyDreams
Fri Oct 26, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Can an HSA help her with Breast Cancer?
Replies: 10
Views: 614

Re: Can an HSA help her with Breast Cancer?

In meeting the deductible, she may be eligible for a "co-pay assistance" program from a drug manufacturer. They might pay a portion (maybe even most) of a copay. This would not apply to surgery or other hospital/doctor bills. But if she does chemo, she will probably still be in treatment into the ne...
by InMyDreams
Wed Oct 24, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: Dental Mishap
Replies: 46
Views: 4816

Re: Dental Mishap

Not sure how this works in the dental world, or in private offices. In hospitals, there's a national efforts to reduce/eliminate wrong site/wrong patient/wrong procedure: https://www.ncbi.nlm.nih.gov/books/NBK20546/ Regardless of who you go to next, I hope you are included in a "time out" procedure ...
by InMyDreams
Mon Oct 22, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Privacy Protections for a Patient Death Preceding Passage of HIPAA
Replies: 7
Views: 832

Re: Privacy Protections for a Patient Death Preceding Passage of HIPAA

I am seeking information such as her spouse's name, whether there were any children, etc. My late mother was issued Letters of Administration at the time of my relative's death. I have those Letters of Administration in my possession. I agree with the comment that the records may no longer exist, o...
by InMyDreams
Wed Oct 17, 2018 2:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 123
Views: 15488

Re: Roll Call for the Retirement Class of 2019!

David Jay wrote:
Wed Oct 17, 2018 12:26 pm
InMyDreams wrote:
Mon Oct 15, 2018 10:42 pm
Perhaps some may not consider this "retirement"...
In your dreams! oh, wait...
;)
In my dreams, I retired two years ago. This is still pretty good, tho :)
by InMyDreams
Wed Oct 17, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help my dad is nearing retirement
Replies: 9
Views: 1096

Re: Help my dad is nearing retirement

annielouise wrote:
Wed Oct 17, 2018 1:53 pm
I would review his work history and make sure he doesn't have an old pension out there.
Isn't there some website that will search for you? Something in the back of my mind is not coming to the forefront.
by InMyDreams
Wed Oct 17, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Help my dad is nearing retirement
Replies: 9
Views: 1096

Re: Help my dad is nearing retirement

Was he ever in the service, with an honorable discharge? He may qualify for VA benefits.
by InMyDreams
Wed Oct 17, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help my dad is nearing retirement
Replies: 9
Views: 1096

Re: Help my dad is nearing retirement

Are you sure on his SS amounts. 1025 per month at 70 sounds really low to me. Yes - you could locate his most recent SS statement, or go to his MySocialSecurity account (help with setting up if needed). There are various websites that will show you how the calculation is done, too - which years wer...
by InMyDreams
Tue Oct 16, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Sneakers with good arch support
Replies: 33
Views: 1867

Re: Sneakers with good arch support

I have found that by putting the green Superfeet insert into any shoe gives great support, comfort and prevents injury. +1000. Several years ago I had stopped wearing a shoe orthotic, and my feet stayed pretty happy. Then I started increasing the amount that I walked in prep for a trip, and my left...
by InMyDreams
Tue Oct 16, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Placing mother in nursing home - advice
Replies: 37
Views: 3886

Re: Placing mother in nursing home - advice

Yes, while locating an attorney, start locating a facility. There will probably be a waiting list. And I think most facilities have someone who also works on figuring out how to finance a stay. There have been other threads about the problems with an unoccupied house. You not only have to provide up...
by InMyDreams
Mon Oct 15, 2018 10:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 123
Views: 15488

Re: Roll Call for the Retirement Class of 2019!

Perhaps some may not consider this "retirement" - but I will!
Cutting back to ~1 day/week beginning mid January 2019.

Yippee!
by InMyDreams
Sun Oct 14, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: No bill to me - but found strange things on my health plan records
Replies: 32
Views: 2838

Re: No bill to me - but found strange things on my health plan records

I had the second half of the shingles vaccination at an appointment at the end of August. My insurance was charged $30.05 for "Immunization" and $200 for "Preventive Med". These were reduced to $19.97 and $168 by insurance plan agreements. My cost was $0. These charges were the exact same 4 months ...
by InMyDreams
Sun Oct 14, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: No bill to me - but found strange things on my health plan records
Replies: 32
Views: 2838

Re: No bill to me - but found strange things on my health plan records

I learned this year to always compare the entries on Explanation of Benefits of the insurance company with my own records. (the same as always check the monthly statement of the credit card company with actual bills paid). I went to an outpatient visit at a hospital for colonoscopy and paid $200 co...
by InMyDreams
Sun Oct 14, 2018 12:11 am
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9877

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

census worker?

tax preparer?

I met a woman who had worked as a clinic nurse. When the clinic was closed, and she was laid off, she started working as a "stat" delivery driver - she loved it.
by InMyDreams
Sat Oct 13, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 6079

Re: Neighbor discussing finances with me

You could say something, like - I know people who use an adviser, but still think they want to understand their money and investments and have a good picture of financial planning. One friend suggested Jane Bryant Quinn's How to Make Your Money Last . It has a lot of information not only about inves...
by InMyDreams
Sat Oct 13, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Education
Replies: 14
Views: 1714

Re: Financial Education

@lhwerdyt*1791c - sorry, I've never been a VISTA volunteer. @snapwa/OP: The need to smooth out the bumps in cash flow is often discussed, and something that drives many to pay day lenders. This article on NPR was quite interesting. Dunno if your org could find a way to do something similar, or culti...
by InMyDreams
Sat Oct 13, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Financial Education
Replies: 14
Views: 1714

Re: Financial Education

I can't find the NPR segment that I'm thinking of - a report about a group of women who met weekly? monthly? to go over there household finances, and discuss ways to improve their household savings. It was peer-to-peer, with tools provided by the organization that was trying to improve family financ...
by InMyDreams
Thu Oct 04, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Meditation & Subconscious Mind
Replies: 10
Views: 1098

Re: Thoughts on Meditation & Subconscious Mind

Howard Donnelly wrote:
Thu Oct 04, 2018 11:52 am
A friend has been sending me self-improvement books that focus on meditation and the subconscious mind. Here are some of the books:
My friend sent me a copy of Benson's The Relaxation Response. I thought it was good. Haven't read the ones you listed.
by InMyDreams
Wed Oct 03, 2018 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Need Health Insurance (Non-ACA Options)
Replies: 80
Views: 5496

Re: Need Health Insurance (Non-ACA Options)

Broadly, your non-ACA options include: 1.short term insurance,... you can get multi year guaranteed renewals. Not sure about that guaranteed renewal? "Part of the Affordable Care Act dictates rules for non-ACA plans. As a result, Short Term Health Insurance plans cannot be automatically renewed, an...
by InMyDreams
Sun Sep 30, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: 0% loan to family member
Replies: 44
Views: 2727

Re: 0% loan to family member

Your brother still has the title to the house. He may be able to run around the situation by again taking a loan on the house to support his lifestyle. Except, without a job, the terms will be very unfavorable to him. As the future trustee, I think you need to know how your father is keeping track o...
by InMyDreams
Fri Sep 28, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 142
Views: 14568

Re: What have you baked recently?

When my apple tree is productive (and it is this year), I make apple pie filling, put it in a pie tin lined with plastic wrap, and freeze - don't bake first! It may then be used for pies, crumbles, or just plain spiced apples. I have a couple of pie disks left from, hmm, a couple of years ago - and ...
by InMyDreams
Tue Sep 25, 2018 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Short Term Insurance vs ACA 2019 edition
Replies: 12
Views: 870

Re: Short Term Insurance vs ACA 2019 edition

You might need 2 health insurance policies simultaneously, an ACA plan, and one of the short term insurance plans for when you are living out of South Dakota. Has anyone done this? In the "good ol' days", double coverage could mean two insurances pointing at each other, each saying - it's that plan...
by InMyDreams
Tue Sep 25, 2018 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Short Term Insurance vs ACA 2019 edition
Replies: 12
Views: 870

Re: Short Term Insurance vs ACA 2019 edition

It does not have any in network out of state. So if I have a problem I am liable for the first 14K of expenses. The other South Dakota provider Avera has nothing out of network. It might as well not exist. Of course I would also be liable for balance billing. I needed something to help with a catas...
by InMyDreams
Tue Sep 25, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Short Term Insurance vs ACA 2019 edition
Replies: 12
Views: 870

Re: Short Term Insurance vs ACA 2019 edition

I think this is the recent thread about Short Term Insurance that is worth reading
viewtopic.php?f=11&t=257097
by InMyDreams
Tue Sep 25, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2380

Re: Flu shot reaction? Getting flu shot this year?

Never had a reaction. To make this actionable. I get it done at Target since they give you a $5 gift card. Yes, that's right Target paid me $5 to get a flu shot. Easy money. Even before it became mandatory at my (healthcare) workplace, my employer provided free flu vaccination. Even before that, I ...
by InMyDreams
Fri Sep 21, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Attorney Says Putting tIRA in a Revocable Trust is "Complicated" - True?
Replies: 45
Views: 3300

Re: Estate Planning Attorney Says Putting tIRA in a Revocable Trust is "Complicated" - True?

I'm not the OP, but the intent when I named my trust as beneficiary was to have the trust hold the retirement accounts until my parent was deceased. Then distribute everything. The original estate attorney I consulted said to name the trust. I questioned it, because I thought I had heard that retire...
by InMyDreams
Fri Sep 21, 2018 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Trustee for sixty something sister
Replies: 22
Views: 2185

Re: Trustee for sixty something sister

What are the options for the second successor Trustee should you resign? Or for what ever reason, is unable to perform the Trustee duties. At least one member at BH worked in a Trust department - hope that person can lend an opinion. You might take a peek at Beyond the Grave . But he was dealing wi...
by InMyDreams
Fri Sep 21, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Trustee for sixty something sister
Replies: 22
Views: 2185

Re: Trustee for sixty something sister

Late night television commercials tell me that they'll buy annuities - deeply discounted, of course. But if she's determined to have what she wants without thinking of the consequences, she might go for it. If you do remain the trustee, perhaps telling her that if she is too demanding, you will hand...
by InMyDreams
Fri Sep 21, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 187
Views: 24878

Re: Vaguard - You'll need to sign up for security codes soon

bloom2708 wrote:
Tue Jun 12, 2018 3:07 pm

I use the "Remember my device" option.
So, is it remembering the device or the IP?

My nonagenarian parent would have difficulties handling a call with every login, and he's using a residential WiFi that has access for too many people.
by InMyDreams
Tue Sep 18, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: When did you decide to move from your home to senior living?
Replies: 15
Views: 3133

Re: When did you decide to move from your home to senior living?

Sorry if this represents topic creep, but...........Assuming that you have decently priced LTCI, how does that mesh with a CCRC? In other words, if you've paid up front for a CCRC will you essentially collect little or nothing from your LTCI policy if you later require assisted living within the CC...