Search found 547 matches

by InMyDreams
Sun Jun 16, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: Health insurance cost containment company
Replies: 20
Views: 1521

Re: Health insurance cost containment company

I have travel insurance but they are secondary to Cigna . The travel insurance only paid for the copay not covered by Cigna. This may be where Accent is trying to get a wedge in. I'd also suggest finding out how to reach out to your state insurance commission, whatever their name may be. May you li...
by InMyDreams
Thu Jun 13, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 10627

Re: Retired at 35 and have no friends :(

Great suggestion. I'll see if there is a boglehead group in my area. Mustachians also have a meet up plan: https://forum.mrmoneymustache.com/meetups-and-social-events/?PHPSESSID=jfmav5ggj3n58elh847p57ajag I would add - I have a friend who retired at age 70 - and hated it. It's taken her several yea...
by InMyDreams
Thu Jun 13, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 10627

Re: Retired at 35 and have no friends :(

The problem is that I do not have any peers/friends that are in a similar situation. The same can be true for people who do shift work - they're off while others are working, and vice versa. Also, if you are single, and the people you meet and know are in full-swing family life right now - they pro...
by InMyDreams
Mon Jun 10, 2019 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to donate to a non profit organization anonymously?
Replies: 22
Views: 1700

Re: How to donate to a non profit organization anonymously?

I've used Network for Good, but not thru Charity Navigator, just directly from NfG's site. Register, select your charities, donate. You choose whether you want the charities to know who you are, or you may just send the charity a message without your info. Or nothing, just the money. Year end statem...
by InMyDreams
Mon Jun 10, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: Toaster ovens - safe? better alternative?
Replies: 50
Views: 3552

Re: Toaster ovens - safe? better alternative?

rjbraun wrote:
Fri Jun 07, 2019 11:03 pm
I assume you've already seen the DeLonghi toaster ovens shown in the link below. Handsome unit :)

https://www.delonghi.com/en-us/products ... tion-ovens
Oh, my, even the "least expensive" unit is digital!
by InMyDreams
Mon Jun 10, 2019 4:37 pm
Forum: Personal Consumer Issues
Topic: Road trip Salt Lake or Az to Vegas November
Replies: 8
Views: 718

Re: Road trip Salt Lake or Az to Vegas November

No hiking just some photos and a general sense of the area.Thanks Well, there's lots of scenery to be seen from a car, but it is a hiker's paradise. I've used St George as a hub. Utah's Snow Canyon State Park is small, but beautiful, and right next to St Geo. Went to Valley of Fire St Park (NV). Po...
by InMyDreams
Fri Jun 07, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Toaster ovens - safe? better alternative?
Replies: 50
Views: 3552

Re: Toaster ovens - safe? better alternative?

Wouldn't choose to live without a toaster oven, and had to struggle to find replacements the last couple of times. The second to last one developed a predisposition to have foods catch on fire. Probably my fault. Regardless, I got rid of that one. The DeLonghi that I had before it was great, and had...
by InMyDreams
Fri Jun 07, 2019 1:13 pm
Forum: Personal Investments
Topic: Parents' Investment plan--ages 75, both with illness, contemplating retirement home
Replies: 13
Views: 2009

Re: Parents' Investment plan--ages 75, both with illness, contemplating retirement home

Your question list doesn't mention the move to the "retirement home", but - * Yes, my experience, and that of friends, places a premium on some place close to relatives. * Have you checked out the retirement home? If it offers skilled nursing, then it should have reviews by the state and/or medicare...
by InMyDreams
Sat Jun 01, 2019 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Home Health Care Benefit- Anybody?
Replies: 2
Views: 395

Re: Medicare Home Health Care Benefit- Anybody?

I was under the impression her doctor will determine what your mother needs and coordinate everything with Medicare. Right, the phrases "medically necessary" and "homebound status" must both apply. Prescribing physician must determine that there is a need for a "skill" needed in the home - e.g., Ph...
by InMyDreams
Fri May 31, 2019 11:22 pm
Forum: Personal Consumer Issues
Topic: Paying Kids For Good Grades -- do you do it?
Replies: 131
Views: 11041

Re: Paying Kids For Good Grades -- do you do it?

miamivice wrote:
Tue May 28, 2019 11:35 am
Zombie thread alert. Post was from 2015, and I think the OP has figured out what he wanted to do.
Right, but it might be interesting to hear from OP what has gone on for the last 4ish years!
by InMyDreams
Fri May 31, 2019 11:05 pm
Forum: Personal Consumer Issues
Topic: 23 and me vs. ancestry- thoughts?
Replies: 38
Views: 2863

Re: 23 and me vs. ancestry- thoughts?

Your data is still protected by HIPAA. Not sure that HIPAA applies, except, maybe, with 23andme? These are not healthcare providers. GINA would apply, but it doesn't protect against all situations - for instance, life insurance. Gedmatch now allows for members to take kits out of matching with law ...
by InMyDreams
Fri May 31, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: 23 and me vs. ancestry- thoughts?
Replies: 38
Views: 2863

Re: 23 and me vs. ancestry- thoughts?

I had (I thought) posted a response but maybe it got lost. ..... really the health stuff might just create unwanted data and I don't really care all that much about the ancestors etc. So, one reason to test is to explore genetic "health risks" - but you said it's just unwanted data. Another reason ...
by InMyDreams
Fri May 24, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Keeping old negatives from photos (why keep them?)
Replies: 26
Views: 2151

Re: Keeping old negatives from photos (why keep them?)

... I would like my future generations to know about our own family. It's also important to think about what future generations are going to do with your work. I have family photos spanning many generations (some back to the 1860s). * wish I knew the names of all the peeps in the photos * wish subs...
by InMyDreams
Thu May 23, 2019 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Marketplace Morning Report: "Brains and Losses: Aging and Financial Vulnerability to Scams"
Replies: 14
Views: 960

Re: Marketplace Morning Report: "Brains and Losses: Aging and Financial Vulnerability to Scams"

OP, it may be wise to keep an eye out for your family member. I think I've heard that scam victims are often deliberately targeted again by the con artists.
by InMyDreams
Wed May 22, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Remind me why we have Medicare supplement
Replies: 26
Views: 3865

Re: Remind me why we have Medicare supplement

I've seen someone who had no MA nor supplement. She didn't think her condition could happen to her, because she was devoted to a healthy lifestyle. Indeed, except for her one (major) medical problem, she was quite healthy. So, she worked out some sort of deal for her 20% of very expensive series of ...
by InMyDreams
Wed May 22, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Financial Movies and Shows
Replies: 64
Views: 5791

Re: Financial Movies and Shows

The Big Short. 2015 +1. +1 again (and someone else voted for it too). Should be required viewing by all senior high school students. Years ago, I watched a series on PBS about banking. It was awesome, and full of insightful information. And there was a credit in the show that it was funded by a cou...
by InMyDreams
Tue May 21, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: Yellowstone Family Resort/Glamping Rec's
Replies: 11
Views: 1761

Re: Yellowstone Family Resort/Glamping Rec's

does it have to be Yellowstone? Nobody would forget the Grand Canyon
https://azraft.com/all-paddle-trips/
by InMyDreams
Mon May 20, 2019 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken: Windows to Mac
Replies: 14
Views: 821

Re: Quicken: Windows to Mac

When I moved back into the Mac world from the PC world back in 2010, I rejected Quicken for Mac. I think it wouldn't convert my old Quicken files, or at least not easily. I looked at several other products for the Mac, even tried to convert to one (MoneyDance, I think??). Finally I decided to run a ...
by InMyDreams
Mon May 20, 2019 12:16 am
Forum: Personal Finance (Not Investing)
Topic: FIRE - What am I missing in the News Stories
Replies: 223
Views: 14334

Re: FIRE - What am I missing in the News Stories

My late 40's neighbor, who has been FIRE'd for a couple of years, was working a steady but not lucrative job before she FIRE'd. She told me that her spending goal in 2018 was no more than $25k. I understood that she is not touching her retirement accounts. She is traveling, but cheaply (airBnB is he...
by InMyDreams
Sun May 19, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Aiming to Retire End of 2019 - Abit Scared
Replies: 45
Views: 5721

Re: Aiming to Retire End of 2019 - Abit Scared

It sounds like you've been living overseas for quite a while. Many years ago, my parents moved back to the States after 25 years in Asia. Even tho they had been in and out of the States over the years, it's still an adjustment, especially cost of living. Even tho they had a home to move into, they s...
by InMyDreams
Thu May 16, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Impossible Burger At Home
Replies: 35
Views: 2820

Re: Impossible Burger At Home

Problem with the big vegetarian push (and attempts to do it by law) away from real meat is the whole omega 3 vs omega 6 problem. 3 is anti inflammatory, 6 is inflammatory, and the push to cheap vegetable oils away from saturated fat is a big contributor to health problems the last few decades. The ...
by InMyDreams
Thu May 16, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Impossible Burger At Home
Replies: 35
Views: 2820

Re: Impossible Burger At Home

my local Whole Foods stores carry Beyond Meat in several styles (burgers, sausages) as well as frozen product (and Target has the frozen product). I've only tried Beyond Meat at Del Taco - ok, not exciting, adequate substitute for ground beef, but I don't eat beef much either. Impossible has a deal ...
by InMyDreams
Tue May 14, 2019 9:08 pm
Forum: Personal Consumer Issues
Topic: Regulate Office Temperature
Replies: 31
Views: 2216

Re: Regulate Office Temperature

I bought an "ice blanket" when I was driving one very hot summer with car a/c
http://www.rubbermaid.com/en-US/flexible-ice-blanket

I just rested my back against it while I was driving.
by InMyDreams
Tue May 14, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: Kill Bermuda grass without chemicals
Replies: 15
Views: 1360

Re: Kill Bermuda grass without chemicals

3504PIR wrote:
Mon May 13, 2019 11:03 pm
Boiling water.
+1 - of course, it will also affect other plants in the immediate area, so discretion required. And, you must transport it very carefully from stove to area you will apply it.

Also useful against ants.
by InMyDreams
Sat May 11, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: What to know before moving all my belongings into storage?
Replies: 19
Views: 1849

Re: What to know before moving all my belongings into storage?

Moving would certainly be easier if I could just shove it all in my car (which I will also be leaving with my parents). There are steps to take for storing a car. Google has plenty of info. Consider how to protect natural fibers or leather products from insects. I've been the child who turned into ...
by InMyDreams
Tue May 07, 2019 11:58 pm
Forum: Personal Consumer Issues
Topic: ants - aargh
Replies: 69
Views: 4107

Re: ants - aargh

Love Terro, seems simpler and more contained than mixing my own. Every spring the ants want to make my home their home. Last year they started coming in, Terro went out. Day or two later ants stopped. A week or so later, I had a lesser stream of smaller ants. It stopped, too. I assumed the second st...
by InMyDreams
Tue May 07, 2019 11:44 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 153
Views: 13393

Re: Shingrix [Vaccine availability]

Got my 2nd dose last week. Pharmacist said that manufacturer has told them the shortage will continue for up to a year.
by InMyDreams
Tue May 07, 2019 11:41 pm
Forum: Personal Consumer Issues
Topic: Ideas for Inexpensive, Easy-to-Prepare Meals for First Time College-Age Student Cook
Replies: 15
Views: 981

Re: Ideas for Inexpensive, Easy-to-Prepare Meals for First Time College-Age Student Cook

Recurring question on MrMoneyMustache threads:
https://forum.mrmoneymustache.com/searc ... gnaj8jt3he

Good tips, and maybe your student will learn other things from the site, too :)
by InMyDreams
Tue May 07, 2019 11:28 pm
Forum: Personal Consumer Issues
Topic: Indian cookbooks
Replies: 25
Views: 2464

Re: Indian cookbooks

This is my favorite indian cookbook: https://www.amazon.com/Lord-Krishnas-Cuisine-Vegetarian-Cooking/dp/0525245642 Note that the recipes in this book are vegetarian and do not have onion or garlic, you can add them if you wish. My husband will not eat onion and isn't overly fond of garlic so it wor...
by InMyDreams
Thu May 02, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Rolled over and melting down
Replies: 72
Views: 6723

Re: Rolled over and melting down

You probably haven't connected with a W ealth M anagement A dvisor (WMA). what is a WMA? Two ways to take that question: WMA = Wealth Management Advisor What is a WMA? TIAA provides, uh, free financial advising via its Wealth Management Advising service. https://www.google.com/search?sitesearch=bog...
by InMyDreams
Thu May 02, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Rolled over and melting down
Replies: 72
Views: 6723

Re: Rolled over and melting down

I've only skimmed this thread, so apologies if I touch on something already addressed. I have a 403b with TIAA - and have amazing access to Vanguard funds! Each institution has its own contract with TIAA, and some of them have very restricted fund variety, and some have so many more. Have you looked...
by InMyDreams
Tue Apr 30, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Very Delayed Posthumous Bill
Replies: 17
Views: 3737

Re: Very Delayed Posthumous Bill

I believe some states also have regulations requiring timely billing. But I'm guessing this hospital is not in one of those states or they wouldn't be trying this.

You said no insurance - not even Medicare without supplement?
by InMyDreams
Tue Apr 30, 2019 12:09 am
Forum: Personal Consumer Issues
Topic: Outdoor UPS (Uninterruptible Power supply)
Replies: 14
Views: 826

Re: Outdoor UPS (Uninterruptible Power supply)

these guys come regularly to Costco. I'm interested, but have not found a spot for them in my budget:
https://www.goalzero.com/

So, combination of battery and solar power. Tie it into the house's wiring, use it all the time.

Would love to hear from someone who does use one.
by InMyDreams
Sat Apr 27, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: How Much to Tip Wedding Officiant
Replies: 38
Views: 2315

Re: How Much to Tip Wedding Officiant

A retired pastor that I knew said that occasionally a couple would ask him what they should pay him (please note: he was retired at the time, and I believe he was talking about people outside the congregation). He said he would tell them it was up to them, but suggested that they consider an amount ...
by InMyDreams
Tue Apr 23, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: Living Overseas for 4 Months/Year for Regional Travel (Retirement)
Replies: 75
Views: 5202

Re: Living Overseas for 4 Months/Year for Regional Travel (Retirement)

I met a man who was tending the parking lot at Wrangell-St Elias National Park/McCarthy https://en.wikipedia.org/wiki/Wrangell%E2%80%93St._Elias_National_Park_and_Preserve I was already clued in that much of the help working with tourist are only in Alaska for the summer. I asked him where he was fr...
by InMyDreams
Fri Apr 19, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Q: Aetna + GoodRx. Will Aetna count it toward your deductible?
Replies: 7
Views: 566

Re: Q: Aetna + GoodRx. Will Aetna count it toward your deductible?

Another pharmacy in town, which isn't "in network" (because it's not CVS/Aetna), will fill it for $15 with GoodRx/cash. My Q: If I fill it at CVS (or the other pharmacy) and use GoodRx, what are the chances of Aetna allowing me to file a separate claim and get it counted toward my deductible anyway...
by InMyDreams
Tue Apr 16, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: Travel Tips -- Santa Fe, Taos, etc.
Replies: 32
Views: 1428

Re: Travel Tips -- Santa Fe, Taos, etc.

I've done Chaco, in and out on the same day. Watch out if it's been raining - it may have changed, but rumor was that they deliberately left the road unpaved to reduce traffic in and out. Santa Fe isn't that hot in the summer, the elevation is quite high - https://en.wikipedia.org/wiki/Santa_Fe%2C_N...
by InMyDreams
Sun Apr 14, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Ingenious Way To Find Reasonably Priced Painter
Replies: 57
Views: 6180

Re: Ingenious Way To Find Reasonably Priced Painter

When the house was last painted, a decade ago, the painter was impressed with my prep work and have me a discount for it :happy 10 years ago, the home owner was in the driver's seat - contractors were hungry for work during the Great Recession. Contractors in my area generally have plenty of work r...
by InMyDreams
Sun Apr 14, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Park City Utah Hiking
Replies: 25
Views: 1560

Re: Park City Utah Hiking

A photo taken recently of one of the outhouses at a Uintah trail head:
https://www.ksl.com/?sid=46460043&nid=3 ... img=141852

and they will probably get more this week.
by InMyDreams
Sun Apr 14, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Park City Utah Hiking
Replies: 25
Views: 1560

Re: Park City Utah Hiking

Lots of good hiking books for hiking in the Wasatch and the Uintas
https://www.wasatchhiker.com/favorites

There's a lotta snow up there, the highest trails may still have some in late June.

Mirror Lake highway provides lots of out door hiking in the mountains
https://www.alltrails.com/us/utah/kamas
by InMyDreams
Sat Apr 13, 2019 7:29 pm
Forum: Investing - Theory, News & General
Topic: Questions about SS benefit calculations
Replies: 5
Views: 564

Re: Questions about SS benefit calculations

stw wrote:
Sat Apr 13, 2019 5:54 pm
How does retiring earlier than 62 affect those calculations? Is there a standard calculation that is similar to a pension calculation, like x% * y years of working * average salary?
I used this calculator and liked the info it returned:
https://socialsecurity.tools/app.html#/nav-earnings
by InMyDreams
Fri Apr 12, 2019 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Hospice and Medicare Advantage Plans - a little known Catch22
Replies: 40
Views: 3209

Re: Hospice and Medicare Advantage Plans - a little known Catch22

Hospice and palliative care are similar, but palliative care patients can also get life saving treatment for their condition. +1 When a patient enters the Hospice program (and elects to use his insurance's Hospice Benefit), s/he commits to withdrawing from treatment that might stop or slow the prog...
by InMyDreams
Fri Apr 12, 2019 8:09 pm
Forum: Personal Consumer Issues
Topic: short-term health insurance vs ACA - 2019 [edition]
Replies: 22
Views: 1522

Re: short-term health insurance vs ACA - 2019 addition

talzara wrote:
Mon Jan 28, 2019 4:16 pm
Here is the plan brochure for the UnitedHealthCare short-term plan in Kentucky. The $2 million plans are on page 5: https://www.uhone.com/FileHandler.ashx? ... 201901.pdf
Fascinating read. Gives me shivers of remembered pre-ACA gotchas.
by InMyDreams
Thu Apr 11, 2019 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Hospice and Medicare Advantage Plans - a little known Catch22
Replies: 40
Views: 3209

Re: Hospice and Medicare Advantage Plans - a little known Catch22

Umm, no. You have to be officially enrolled in hospice to get the services of hospice. The Homecare & Hospice that I worked for offered Palliative services as well as Hospice services. It was the same team of personnel providing these services, but many patients are reluctant to take the Hospice st...
by InMyDreams
Sat Apr 06, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Selling Breast Milk - 1099-MISC SCH C or Line 21?
Replies: 40
Views: 3714

Re: Selling Breast Milk - 1099-MISC SCH C or Line 21?

...I have always been reporting these on Schedule C. To you and the OP - If you are reporting income on Sched C, you may be eligible to take health and long term care insurance costs off. Pub 17, pg 163 starts: " Health Insurance Costs for Self-Employed Persons If you were self-employed and had a n...
by InMyDreams
Fri Apr 05, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: The high cost of sound financial advice
Replies: 45
Views: 5144

Re: The high cost of sound financial advice

A topic that frequently comes up. I think you are talking about an advice-only advisor.

I think this thread has the info you're interested in, as well as links to other threads on this subject
viewtopic.php?f=1&t=275961
by InMyDreams
Fri Apr 05, 2019 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Selling Breast Milk - 1099-MISC SCH C or Line 21?
Replies: 40
Views: 3714

Re: Selling Breast Milk - 1099-MISC SCH C or Line 21?

... line 21, not Sch C. Most likely a one time event. Not subject to SE tax. What a shame - this year, self employed earnings allow, for some , deduction of health insurance above the line. To deduct it, the health insurance premium cannot be subsidized by an employer. Probably not the OP's case.
by InMyDreams
Thu Apr 04, 2019 11:40 pm
Forum: Personal Consumer Issues
Topic: What is this weed in my lawn?
Replies: 34
Views: 3538

Re: What is this weed?

How about this one? It's a Euphorbia. Kill it. Carefully - "the plants share the feature of having a poisonous, milky, white, latex-like sap, and unusual and unique floral structures" Not sure if it's the same variety that we have here, but it is invasive. I've seen recommendations to wear both glo...
by InMyDreams
Thu Apr 04, 2019 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Breast Milk - 1099-MISC SCH C or Line 21?
Replies: 40
Views: 3714

Re: Selling Breast Milk - 1099-MISC SCH C or Line 21?

livesoft wrote:
Thu Apr 04, 2019 11:07 pm

I don't think it really matters to the IRS which way to report the income
Doesn't it make a difference in self-employment tax? OP, did you look to see if TT added self employment when you reported on Sched C?
by InMyDreams
Wed Apr 03, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 13310

Re: Folks in their 60s and above. What early investment on health do you recommend.

. But the symptoms (knee and joint pains and swelling in joints) never went away. You could try reading Strong Women (and Men) Beat Arthritis by Miriam Nelson. It's the result of a study that was originally published in a peer reviewed journal. And I would mention again, The Blue Zones . It's an ea...