Search found 164 matches

by InMyDreams
Tue Dec 12, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 43
Views: 3204

Re: Best solution for digitizing documents?

... Doing this requires: 1. A scanner with an automatic document feeder 2. High quality OCR software (optical character recognition for translating images into text) 3. Software that automates file naming and remembers scan options (file type, resolution, single vs. double sheet etc.) 4. Automated ...
by InMyDreams
Tue Dec 12, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Is TIAA-CREF one of the "good guys"?
Replies: 57
Views: 11496

Re: Is TIAA-CREF one of the "good guys"?

Does anyone have personal experience with TIAA-CREF's Individual Advisory Services? That's the fee for asset-under-management group, right? I narrowly avoided it. I had a meeting with a Wealth Management Advisor, asking for retirement planning and asset allocation advice. The next meeting, the WMA ...
by InMyDreams
Tue Dec 12, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 49
Views: 2904

Re: Ancestry / 23andMe

They were pretty unimpressed with inexpensive DNA tests except for some special situations like for adopted people and when there were several people named "John Smith" in the same city and you could not figure out which "John Smith" was your relative. In that situation you might be able to match y...
by InMyDreams
Tue Dec 12, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 49
Views: 2904

Re: Ancestry / 23andMe

I would be cautious about putting a lot of work into a family tree on Ancestery.com since there is an annual subscription fee and you would need to figure what happens with all your work if you want stop paying that fee. I am not sure how that works. Your login continues to work on Ancestry when yo...
by InMyDreams
Tue Dec 12, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 49
Views: 2904

Re: Ancestry / 23andMe

What are your goals? You mention genealogy, but I would distinguish between genealogy and ethnicity/genetic heritage. There are three big players in genetic-gen testing (23andme, AncestryDNA & familytreeDNA). All three have sales right now. ftDNA is probably the least expensive. MyHeritage and Livin...
by InMyDreams
Sat Dec 09, 2017 1:06 am
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3397

Re: Please suggest a dry hands product

I don't think anyone has mentioned Cetaphil - use it instead of soap. The cleanser that is. https://www.amazon.com/Cetaphil-Gentle-Cleanser-Skin-Types/dp/B0731D4FT3/ref=sr_1_4_a_it?ie=UTF8&qid=1512799619&sr=8-4&keywords=cetaphil&th=1 I think I understand that you just apply and wipe off - no water. ...
by InMyDreams
Sat Dec 09, 2017 12:33 am
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3397

Re: Please suggest a dry hands product

At night, liberally putting tons of Vaseline or aquaphor onto the hands, then put on socks onto the hands and leave it on till morning (so not to stain the sheets). I do this when my hands feel super dry and it helps a lot +1, Aquaphor/Eucerin or the generic equivalent. I use the stuff habitually, ...
by InMyDreams
Fri Dec 08, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Planning A Trip to French Polynesia - (Society Islands)
Replies: 14
Views: 854

Re: Planning A Trip to French Polynesia - (Society Islands)

If you look at almanacs for average days of rainfall, you'll see that it rains most days in Tahiti. The few days I was there - the mornings started out clear, the clouds built up a bit, in mid-afternoon there was a brief shower. Done. Locals didn't even carry an umbrella. The point being - casual no...
by InMyDreams
Fri Dec 08, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3397

Re: Please suggest a dry hands product

When I work I wash hundreds of times a day with ETOH. Winter bothers me some, I mix simple moisturizers with vaseline, maybe a teaspoon of each. One helps, one protects. At my work place, we use Avagard - the one with emollients. Hands seem to tolerate it quite well, better than the same number of ...
by InMyDreams
Fri Dec 08, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3397

Re: Please suggest a dry hands product

Something I've seen recommended for dry, cracked feet: Amlactin - should work on hands, too. https://www.amazon.com/AmLactin-12-Moisturizing-Lotion/dp/B000TTPZQ6 They sell it at Costco, too. Made my feet itch, but others swear by it. Combination of products, used at different times of day? I like Eu...
by InMyDreams
Fri Dec 08, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3397

Re: Please suggest a dry hands product

At night, liberally putting tons of Vaseline or aquaphor onto the hands, then put on socks onto the hands and leave it on till morning (so not to stain the sheets). I do this when my hands feel super dry and it helps a lot +1, Aquaphor/Eucerin or the generic equivalent. I use the stuff habitually, ...
by InMyDreams
Fri Dec 08, 2017 1:02 pm
Forum: Forum Issues and Administration
Topic: Thank you Admins
Replies: 18
Views: 1472

Re: Thank you Admins

+1. The moderators are amazing - thank you all for your diligence!
by InMyDreams
Tue Dec 05, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 91
Views: 11953

Re: Best place to get eyeglasses / no vision insurance

* Costco Optometrists are "Independent Doctors of Optometry". I love my Costco Optometrist, but technically, he's not a Costco employee. * I've had excellent glasses and services from Costco, and will buy from them again in the future. * I've had excellent glasses and replacement services from Zenni...
by InMyDreams
Tue Dec 05, 2017 1:31 am
Forum: Personal Consumer Issues
Topic: When & how much to donate?
Replies: 108
Views: 8336

Re: When & how much to donate?

I think it helps to have an interest in the charity/cause that you give to. And it may help to create interest and empathy by donating time, not just $$. Can you work at your local food bank? Volunteer in a crisis nursery? Talk to young adults trying to stay in school or college? Find a passion, hel...
by InMyDreams
Tue Nov 28, 2017 9:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 42
Views: 6532

Re: Roll Call for the Retirement Class of 2018!

I intend to retire in January, most likely just before my 52nd birthday. I’ve told my boss I’m likely leaving “in the next few months” and suggested if megacorp has another reduction in force to feel free to sever me to save someone else if he likes. Were they to sever me, I would receive the gener...
by InMyDreams
Tue Nov 28, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11093

Re: After financial independence, do you lose motivation for work?

I had a boss, who talked about his boss's saying: Good employees are 2.5 times their annual salary in debt. ;)
by InMyDreams
Tue Nov 28, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Amica Increase
Replies: 21
Views: 1766

Re: Amica Increase

beardsworth wrote:
Mon Nov 27, 2017 12:44 pm
but Amica told us, years ago when we first became customers, that there is never a dividend on car insurance.
I get a dividend every year for the past ?4 years from Amica. They did offer me two types of policies when I signed up - one with dividend, one without.
by InMyDreams
Mon Nov 27, 2017 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Dental bill four years after service
Replies: 32
Views: 3664

Re: Dental bill four years after service

I recommend checking what the statue of limitations for dental bills is in your area. If you have any dental EOB in your records (even if it's from a different carrier then what you had in 2013), I suggest checking it for any reference to the legal statue of limitations. Also, contact the insurance...
by InMyDreams
Fri Nov 24, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Geneology: finding the house a dead relative lived in.
Replies: 14
Views: 1196

Re: Geneology: finding the house a dead relative lived in.

I forgot something that I don't usually use: Land and Property Records. Presumably they owned the house & land? The records probably still exist, and it's just a matter of trawling thru them. The ones that I've seen were indexed by name.
by InMyDreams
Fri Nov 24, 2017 12:33 am
Forum: Personal Consumer Issues
Topic: Geneology: finding the house a dead relative lived in.
Replies: 14
Views: 1196

Re: Geneology: finding the house a dead relative lived in.

My cousin is now living near where my/our great grandparents lived. He is trying to find out the house they lived in just for curiosity. She died in 1944 So, your cousin is living in the same area, but not the same house, right? First, I'd suggest taking a look for local resources, especially since...
by InMyDreams
Sun Nov 19, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Advice
Replies: 15
Views: 1902

Re: Retirement Advice

I would suggest going with him to a fee only financial adviser -- make sure he/she doesn't sell products. I have used (and continue to update annually with) a fee-only financial planner. Please note that it isn't easy to find one that doesn't also have "wealth management" services, charging some pe...
by InMyDreams
Wed Nov 15, 2017 1:04 am
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 3825

Re: Michelin or Bridgestone?

Unless you want to wait, you do not get to choose either Michelin or Bridgestone. Currently, Costco is doing $70 off promotion for Bridgestone. It will be over on 11/16. Then, the $70 promotion will be for Michelin. KlangFool And watch for "penny installs", too - one cent to install the tires. good...
by InMyDreams
Wed Nov 15, 2017 12:56 am
Forum: Personal Consumer Issues
Topic: Favorite Holiday Recipes
Replies: 48
Views: 3978

Re: Favorite Holiday Recipes

Mom's Sweet Potatoes (aka, Pink Adobe Sweet Potatoes) [editor's note: mom said it was no different to use canned sweet potatoes (as called for) instead of cooking fresh. I totally disagree. Garnet sweet potatoes ("yams") cooked in the microwave are much tastier, IMO] Serves 12. 2 40 oz can yams, dra...
by InMyDreams
Mon Nov 13, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 6928

Re: Tipping in living wage state. Redux.

Years ago I was visiting in Santa Fe, after they had raised their minimum wage within the city. The restaurant made sure its customers knew that servers were being paid that minimum wage, and, I think I even remember the server announcing that at the beginning of the meal.
by InMyDreams
Mon Nov 13, 2017 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: What might you ask In-laws' FA?
Replies: 39
Views: 2992

Re: What might you ask In-laws' FA?

I would ask your in-laws what they hope to achieve by you attending the meeting. And your wife, too. If she's financially aware, perhaps she could be the source of advice, if any is given. I think it's a no-win situation. Speaking speculatively, if they were to jump on board an indexed fund, and th...
by InMyDreams
Sat Nov 04, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Best practice re: Savings?
Replies: 11
Views: 1616

Re: Best practice re: Savings?

Bernstein's If you can gives a lot of advice about how much and where to save. I think the download is free. It also gives reading assignments :)
by InMyDreams
Sat Nov 04, 2017 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: PRIMECAP Fund
Replies: 63
Views: 2886

Re: PRIMECAP Fund

ny_knicks wrote:
Sat Nov 04, 2017 7:32 pm
access to the Vanguard PRIMECAP fund.

It's offered as an option in my TIAA accounts. My CFP had me put some $$ in it.
by InMyDreams
Fri Nov 03, 2017 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Should I max out 403(b) on last check?
Replies: 9
Views: 893

Re: Should I max out 403(b) on last check?

and there's no match on it, right?
by InMyDreams
Fri Nov 03, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 6717

Re: GoDaddy - Any better options for website hosting?

simply hosting:
https://www.simplyhosting.net/

yes, I use email thru it, but quite minimally

www.xmission.com provides web hosting, and has a strong commitment to privacy. I don't have a site thru them, however.
by InMyDreams
Fri Nov 03, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: two step verification for account access
Replies: 15
Views: 1237

Re: two step verification for account access

I'm not sure I understand the risk to an employer retirement account like a 401k. It's not like the money can be distributed while you are employed. So what is the risk here? That's not accurate. Only employee deferrals/Roth are prohibited from rollover, so matching and other accounts can. And any ...
by InMyDreams
Thu Nov 02, 2017 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: two step verification for account access
Replies: 15
Views: 1237

Re: two step verification for account access

Kenkat wrote:
Thu Nov 02, 2017 9:09 pm

The State of New York has enacted legislation that requires all financial service firms to require two factor authentication by early 2018 so you will probably see many firms that don’t offer it now do so soon.
Excellent!
by InMyDreams
Thu Nov 02, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: two step verification for account access
Replies: 15
Views: 1237

Re: two step verification for account access

I am not sure what to do about the fact that my 401k companies or even my BANK doesn't seem to appreciate this risk adequately. I'm interested in feedback here and will bring the question to my local investing club for consideration. I'm less concerned about my banks/credit unions than my other fin...
by InMyDreams
Thu Nov 02, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: two step verification for account access
Replies: 15
Views: 1237

Re: two step verification for account access

The only thing I'm finding on the security screen are the options of updating
username & password
security questions
security image & phrase.

I'm looking for one time verification codes or something similar.
by InMyDreams
Thu Nov 02, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: two step verification for account access
Replies: 15
Views: 1237

Re: two step verification for account access

What is your second factor? The only one that I've found is a set of security questions - as tho they're a second password, rotating among a set number of questions. I will look again at my options.
by InMyDreams
Thu Nov 02, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: two step verification for account access
Replies: 15
Views: 1237

two step verification for account access

In light of brak's thread re: father's retirement drained, I've been thinking about my own accounts. One that is tied to my current employment is at T Rowe Price. At my benefits fair, I asked the TRP rep if they offered two step verification - she said, yes, we ask a security question. I said that's...
by InMyDreams
Mon Oct 30, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Medical Billing question
Replies: 17
Views: 1228

Re: Medical Billing question

This doctor stated that without comparing to historical data, she could not say if anything was wrong, and she wished they had waited to receive the data from Old before they brought her back in for the follow up . Doctor told my family member they would wait for the data from Old, compare and let ...
by InMyDreams
Fri Oct 27, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Allocation Question
Replies: 13
Views: 962

Re: TIAA Allocation Question

you indicated you aren't eligible for Social Security - what about Medicare???
by InMyDreams
Fri Oct 27, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 132
Views: 7782

Re: Can I retire today?

A while ago, my brother inquired about a friend - when would she retire? I said, I think she has enough, but is holding out for 65.
My brother said - Ah, just one bad day away from retirement.

Sounds like you hit it! I'm feeling the urge, too.

Enjoy!!
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: 3048

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: 5989

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: 3048

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: 2486

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: 106
Views: 20129

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: 2357

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: 106
Views: 20129

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: 2185

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: 2556

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: 1670

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: 9972

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.