Search found 772 matches

by InMyDreams
Wed Jul 08, 2020 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to Establish Medical Directive and POA?
Replies: 18
Views: 867

Re: How to Establish Medical Directive and POA?

Hi Bogleheads I would like to get advance medical directive (AMD) and health care power-of-attorney (POA) in-place for my spouse and I....Are there good templates out there? Your state probably outlines an Advance Directives form, which your local hospital system may have. Check their website to do...
by InMyDreams
Wed Jul 08, 2020 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Erroneous Urgent Care Bill....it keeps coming!
Replies: 25
Views: 2851

Re: Erroneous Urgent Care Bill....it keeps coming!

Not sure that an urgent care facility would have a patient advocate office, but it's worth asking about. They go by different names - "patient experience" is the latest one that I've heard. Also Patient Relations. Often they're a branch of Risk Management. I've had amazing things happen on two occas...
by InMyDreams
Mon Jul 06, 2020 8:57 pm
Forum: Personal Investments
Topic: TIAA CREF Monte Carlo Simulations
Replies: 30
Views: 1390

Re: TIAA CREF Monte Carlo Simulations

Using the search box in the upper left hand corner, you could search "WMA" or "Wealth Management Advisor". There are many threads that mention WMAs. I believe TIAA has in recent years finally disclosed the compensation method for WMAs. Yes, I too met with a WMA, who on second visit (after the meet a...
by InMyDreams
Fri Jul 03, 2020 8:52 pm
Forum: Personal Consumer Issues
Topic: Least Expensive Way to Have a Cellphone for emergency use only?
Replies: 54
Views: 3537

Re: Least Expensive Way to Have a Cellphone for emergency use only?

LuigiLikesPizza wrote:
Thu Jul 02, 2020 2:49 pm
we're considering getting a cellphone for emergency purposes.
Probably not what you mean, but - emergency, like dial 9-1-1?

I think any cell phone can dial 911 and connect to emergency services, even if it is not part of a carrier's service
by InMyDreams
Thu Jul 02, 2020 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Email security
Replies: 21
Views: 845

Re: Email security

jebmke wrote:
Thu Jul 02, 2020 7:59 pm
I'd find another institution
somehow i knew this would be one of the answers...and it has occurred to me, too. but i have access to several desirable funds thru this account. i'm wondering if i switch contacts if my problem would go away...
by InMyDreams
Thu Jul 02, 2020 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Email security
Replies: 21
Views: 845

Re: Email security

I'm very surprised a financial institution is asking you to send them important documents by standard email. Blank forms are fine, but forms filled out with your personal information is very surprising. Most financial institutions have a secure messaging system built into their website. You upload ...
by InMyDreams
Thu Jul 02, 2020 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Email security
Replies: 21
Views: 845

Re: Email security

That's what I've been told, too. Anyone with references or can explain why?
by InMyDreams
Thu Jul 02, 2020 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Email security
Replies: 21
Views: 845

Email security

How secure is email? If I send an email to my financial institution, or they to me - or we're sending documents thru email, how secure is it?
by InMyDreams
Mon Jun 29, 2020 11:33 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 282
Views: 33305

Re: What have you baked recently?

Cool day here, and I had 4 bananas getting too brown (and more in the freezer).

Voila - Cooks Illustrated banana bread is in the oven.
by InMyDreams
Mon Jun 29, 2020 11:25 am
Forum: Personal Finance (Not Investing)
Topic: What is the best financial decision you ever made?
Replies: 213
Views: 16127

Re: What is the best financial decision you ever made?

Listening to the tidbits that fell my way. Probably the biggest reason I've been able to retire - I went to a TIAA retirement seminar, that was talking both about the 401a plan, but also talked about starting a 403b. Initially I was putting in very little, but the next year decided I should put in a...
by InMyDreams
Sun Jun 28, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: My Credit History
Replies: 6
Views: 483

Re: My Credit History

Interesting. My parents lived 25 yrs overseas - non-US residents/ex-pats.

They had an AmEx card the entire time.
by InMyDreams
Fri Jun 26, 2020 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Question about healthcare careers
Replies: 10
Views: 738

Re: Question about healthcare careers

. Her health and circumstances are such that it could be years before she would be able to continue with the rigors of finishing. I suggested looking into becoming an X Ray technician since their hours look steady and they just administer the tests and are not involved beyond that point, but she do...
by InMyDreams
Thu Jun 25, 2020 2:55 pm
Forum: Personal Consumer Issues
Topic: Do you use a Ninja Multi Cooker; What about IP's sous vide function?
Replies: 4
Views: 225

Re: Do you use a Ninja Multi Cooker; What about IP's sous vide function?

OK, thank you both - doesn't sound like sous vide function is a plus for the IP

What about Ninja - are its roasting function and pressure cooking function good? Worth choosing it over IP?
by InMyDreams
Thu Jun 25, 2020 1:54 pm
Forum: Personal Consumer Issues
Topic: Do you use a Ninja Multi Cooker; What about IP's sous vide function?
Replies: 4
Views: 225

Do you use a Ninja Multi Cooker; What about IP's sous vide function?

does anyone have a ninja multi cooker, with pressure cooking and roaster functions? How might it compare to Instant Pot?

Anyone using the IP sous vide function?
by InMyDreams
Thu Jun 25, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: Dead ants in radiator
Replies: 16
Views: 786

Re: Dead ants in radiator

We keep having dead ants popping up on top of the baseboard radiator of our second floor office. No little critters anywhere else in the house. Any idea what could be causing them to show up and how to keep them away? Your local extension center could identify the type of ant - without charging you...
by InMyDreams
Wed Jun 24, 2020 12:20 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 165
Views: 20113

Re: Any Instant Pot users here?

but back to these questions:
InMyDreams wrote:
Sat Jun 20, 2020 4:34 pm

does anyone have a ninja multi cooker, with pressure cooking and roaster functions? How might it compare to Instant Pot?

Anyone using the IP sous vide function?
by InMyDreams
Mon Jun 22, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: Unused Airfare on Southwest
Replies: 6
Views: 614

Re: Unused Airfare on Southwest

Expiration is supposed to be extended to September 7, 2022. They are also supposed to providing a way to convert the funds into points. After that you can use the points to book a ticket for anybody. https://www.southwest.com/RRCoronavirusUpdates/ OK, I didn't read the correct date the first time. ...
by InMyDreams
Mon Jun 22, 2020 10:59 am
Forum: Personal Consumer Issues
Topic: Unused Airfare on Southwest
Replies: 6
Views: 614

Unused Airfare on Southwest

In the first part of March, before lockdowns started, I cancelled a Southwest flight that my father and I were scheduled to take. Southwest allows you to keep the airfare balance for up to a year - which SW has now extended to June 30, 2021. But I'm not sure my father will fly again, or if he does, ...
by InMyDreams
Sat Jun 20, 2020 4:34 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 165
Views: 20113

Re: Any Instant Pot users here?

but more on topic -

does anyone have a ninja multi cooker, with pressure cooking and roaster functions? How might it compare to Instant Pot?

Anyone using the IP sous vide function?
by InMyDreams
Sat Jun 20, 2020 4:30 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 165
Views: 20113

Re: Any Instant Pot users here?

I've been in my garden, thinking about weed control...and missing my instant pot. An alternative use: plug it in outside, boil a pot of water under pressure. Quick release. Very carefully take over a portion to the weeds that are growing in a corner by themselves, and dump it on. Very carefully , be...
by InMyDreams
Wed Jun 17, 2020 4:15 pm
Forum: Personal Consumer Issues
Topic: Need N95 Mask in a Small Size
Replies: 45
Views: 2922

Re: Need N95 Mask in a Small Size

Just visited the dentist. I walked in with a mask. They took my temperature with a gun and had me fill out a Covid-19 symptom questionnaire. I also had to swish disinfectant in my mouth for 1 minute. They had: Masks, face shields, gloves, etc. An air filter vacuum device with a flexible intake near...
by InMyDreams
Tue Jun 16, 2020 8:48 pm
Forum: Personal Consumer Issues
Topic: Need N95 Mask in a Small Size
Replies: 45
Views: 2922

Re: Need N95 Mask in a Small Size

cmr79 wrote:
Tue Jun 16, 2020 2:22 pm
Lots of issues with mask fit. Agree with above posts about looking into more official methods of getting the equipment she needs, but this is another potential workaround for improving the seal of simple surgical masks:

https://www.fixthemask.com/make-it
So cool. Will pass the link along.
by InMyDreams
Tue Jun 16, 2020 11:06 am
Forum: Personal Consumer Issues
Topic: Need N95 Mask in a Small Size
Replies: 45
Views: 2922

Re: Need N95 Mask in a Small Size

OP - it sounds like she's continuing to work under these inadequate conditions? Does the state dental society have a set of standards in the COVID environment? The health department? OSHA? In the meantime, try to make it as safe as she can now. Shield. Face mask. Is there a way to improve the filter...
by InMyDreams
Mon Jun 15, 2020 10:42 pm
Forum: Personal Consumer Issues
Topic: Trip to SLC , Utah
Replies: 27
Views: 1971

Re: Trip to SLC , Utah

Thank you all for your replies. We are planning on hiking and visiting the national parks. I probably did not phrase my request correctly. We are flying into and out of SLC but will have a SUV to drive to various parks. Which parks are a must see? Yellowstone and Grand Tetons to the east. The rub w...
by InMyDreams
Mon Jun 15, 2020 9:51 am
Forum: Personal Consumer Issues
Topic: Trip to SLC , Utah
Replies: 27
Views: 1971

Re: Trip to SLC , Utah

July is likely to be hot in the city, but cool in the mountains. Hope you like the outdoors! Big Cottonwood, Little Cottonwood, City Creek and Millcreek Canyons all have good hiking or walking. Good to remember that you would be hiking at 7000' plus altitude in many locations. Silver Lake (Big Cotto...
by InMyDreams
Sat Jun 13, 2020 10:35 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 282
Views: 33305

Re: What have you baked recently?

I followed the waffles with White Whole Wheat Sourdough bread. Turned out pretty well, but I substituted 100 gm of the WWW flour with bread flour (total flour was 700 gm): https://www.homemadefoodjunkie.com/beginner-whole-wheat-artisan-sourdough-bread/ they have a nice video on youtube showing the t...
by InMyDreams
Sat Jun 13, 2020 9:51 am
Forum: Personal Consumer Issues
Topic: Birds Making Mess on Deck —- Solutions?
Replies: 7
Views: 480

Re: Birds Making Mess on Deck —- Solutions?

you could try one of the large plastic owls. They sell them at hardware and garden stores.

Or ask a falconer to bring his bird by every so often.
by InMyDreams
Thu Jun 11, 2020 4:06 pm
Forum: US Chapters
Topic: Shout out to Sheepdog
Replies: 25
Views: 3576

Re: Shout out to Sheepdog

A friend took her car into a dealership, and was impressed by the masks, sanitation, seating, etc. I took mine to a different dealership, just for emissions, and was quite disappointed, and grateful it was May and I could walk outside: Chairs were textile, so cleaning between customers seemed doubtf...
by InMyDreams
Wed Jun 10, 2020 1:04 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 282
Views: 33305

Re: What have you baked recently?

Made the KAF Sourdough Waffles again this morning. It uses the discard starter.

I increased the sugar from 2 Tbl to 3 Tbl. And I'm using sugar that has had the remainder of a vanilla bean sitting in it for a few weeks.
by InMyDreams
Tue Jun 09, 2020 11:25 pm
Forum: Personal Consumer Issues
Topic: Trip to Alaska in August/Sep
Replies: 17
Views: 1673

Re: Trip to Alaska in August/Sep

We did a 9 day fly in vacation to Alaska in 2015. We rented an RV for my family of 5. I learned that August in Alaska is already Autumn; beautiful but chilly at night. September would be like November in the lower 48. I recommend going in June or July next year. Agree - August, not September. My Se...
by InMyDreams
Tue Jun 09, 2020 11:19 pm
Forum: Personal Consumer Issues
Topic: What happens to all my digitized photos when I die?
Replies: 68
Views: 5382

Re: What happens to all my digitized photos when I die?

My g'g'g'grandparents had 16 children (!), the first born in 1799, the last in 1827. I have photos made during their lifetimes of 13 of them. To me, these physical photos themselves have value. I have photos of similar age from other branches of my family. Modern photos - I'm content with digital co...
by InMyDreams
Tue Jun 09, 2020 8:58 am
Forum: Personal Consumer Issues
Topic: What happens to all my digitized photos when I die?
Replies: 68
Views: 5382

Re: What happens to all my digitized photos when I die?

It is a problem - even if you take the time to create a format that they can still use, in a place that can be accessed. I digitized a bunch of images, then put many of them on CDs and distributed. Have you looked at WikiTree? or FamilySearch's FamilyTree? Personally, I don't like putting family pho...
by InMyDreams
Tue Jun 09, 2020 12:27 am
Forum: Personal Finance (Not Investing)
Topic: High deductible Plan G medigap
Replies: 74
Views: 3700

Re: High deductible Plan G medigap

nanameg wrote:
Mon Jun 08, 2020 8:22 pm
When things sound complicated I know I’m losing money.
+1
There's a BH for you :)
by InMyDreams
Tue Jun 09, 2020 12:23 am
Forum: Personal Consumer Issues
Topic: Trip to Alaska in August/Sep
Replies: 17
Views: 1673

Re: Trip to Alaska in August/Sep

Research carefully. ^ this. My AK family members tell me that AK requires that you either 1) COVID test before you get on the plane, or 2) COVID test on arrival, or 3) quarantine for 14 days on arrival. Requirements change rapidly, so keep on checking. Summer fishery workers have arrived, been test...
by InMyDreams
Tue Jun 02, 2020 12:10 pm
Forum: Personal Consumer Issues
Topic: Question about Medicare/Health Insurance for my Mom
Replies: 14
Views: 788

Re: Question about Medicare/Health Insurance for my Mom

As mentioned, MCare itself does not cover prescription outpatient drugs. If she has an MCare Advantage plan, it may include prescription coverage. Otherwise, she must buy MCare part D, run by individual insurance companies, usually with several different plans by each company. Each has its own formu...
by InMyDreams
Mon May 25, 2020 11:38 am
Forum: Personal Finance (Not Investing)
Topic: What to do with Mother-In-Law
Replies: 31
Views: 3969

Re: What to do with Mother-In-Law

There are similarities between our situations. As my father aged, I realized that his world was shrinking - he didn't get out of the building without assistance. Now he hardly walks without assistance. His contacts are all within the building (except me and his caregivers). COVID lock-in hasn't help...
by InMyDreams
Sun May 24, 2020 9:27 am
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 165
Views: 12343

Re: Gardening 2020

Does anyone have any suggestions/tips for (not too high) trellising for winter squash? There's a bunch about trellises on Youtube, This guy caught my eye - it's impractical for me, but maybe you have a raised flower bed and the means to do what he's talking about, it's focused on tomatoes. https://...
by InMyDreams
Sun May 24, 2020 9:15 am
Forum: Personal Consumer Issues
Topic: How to grow food indoors
Replies: 7
Views: 707

Re: How to grow food indoors

I'm in my first few months of using a six-hole Aerogarden (Harvest model). I like it. But - I bought it on Amazon, and didn't seem to be able to get the vegetable pods with the machine - I bought them separately. It looks like if you go to the dealer directly, the price is the same but you have your...
by InMyDreams
Sat May 23, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 124
Views: 10834

Re: Personal spending out of control after Covid-19

I'm buying a few things for myself, and my diet is straying a bit (but not yet going to the "Covid-15"). But I've been giving money. I've given away all the stimulus money (my income level hasn't changed). Some more to other charities. Bought sandwiches in the grocery store for the man and child at ...
by InMyDreams
Sat May 23, 2020 10:33 am
Forum: Personal Investments
Topic: Has anyone ever used their Emergency Fund?
Replies: 92
Views: 7510

Re: Has anyone ever used their Emergency Fund?

It doesn't have to be only cash - I know more than one person who have used their one year emergency food supply during economic hardship. It too is a form of savings, but takes careful management.
by InMyDreams
Tue May 19, 2020 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations: Marriage in your 50s/60s
Replies: 23
Views: 1895

Re: Financial Considerations: Marriage in your 50s/60s

... keep your finances separate. +1 I've seen three situations where a couple who had been happily married (second time around) for years. But when the couple were both advanced in years and increasingly in need of assistance for basic activities, the couple has separated and one has gone to live n...
by InMyDreams
Tue May 19, 2020 2:26 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6564

Re: How to get disinfecting wipes..seriously

I bought one container at Ace Hardware about two months ago. I've used maybe three sheets out of it. I rarely go out for any reason anymore. If I do go to the store, I wear gloves and then unload my groceries into the trunk and VERY CAREFULLY remove the gloves before entering the interior of the ca...
by InMyDreams
Tue May 19, 2020 12:04 am
Forum: Personal Consumer Issues
Topic: Cost effective home gardening? (Greens)
Replies: 3
Views: 552

Re: Cost effective home gardening? (Greens)

I have 6 plugs of lettuce in my (hydroponic) Aerogarden - just started shortly after the lockdown. I like it. For two people, you'd probably need more spots if you eat lettuce often.
by InMyDreams
Mon May 18, 2020 4:45 pm
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 3108

Re: Choices of and precautions at hotels in this summer

And the lack of an elevator would be another plus. Elevators would make me nervous - little circulation to reduce or remove any virus left in the air. I'm not clear exactly how long CV19 remains in the air, but stairs would be my preference. Especially if other visitors or employees were not using ...
by InMyDreams
Mon May 18, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: Gardening- question about where to mulch, and also about harvesting
Replies: 17
Views: 1085

Re: Gardening- question about where to mulch, and also about harvesting

UpsetRaptor wrote:
Sun May 17, 2020 6:09 pm
The best way to inhibit the mint is to nuke the entire site from orbit. It’s the only way to be sure.
In my experience, mint is a piece of cake compared to bind weed. Will order one death star for the bind weed in my backyard!
by InMyDreams
Fri May 15, 2020 12:12 am
Forum: Personal Consumer Issues
Topic: What to do with canned chicken?
Replies: 45
Views: 3382

Re: What to do with canned chicken?

take the costco canned chicken, as well as one of the costco avocados now ripened Toast two corn tortillas with one slice pepper jack on each. once toasted and melted, add a layer of mashed avocado mixed with salsa (quick and easy guac), then beans &/or canned chicken. Top with lettuce. Voila - chic...
by InMyDreams
Thu May 14, 2020 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly Retired - Family doesn't know
Replies: 27
Views: 2961

Re: Secretly Retired - Family doesn't know

couple of years ago, I encountered my 40-something neighbor hiking on a weekday. When asked if she was on vacation, she shared that she had left her job prior to the previous summer, and had never gotten around to applying for a different one, but maybe she would sometime. After listening to this fo...
by InMyDreams
Thu May 14, 2020 10:49 am
Forum: Personal Consumer Issues
Topic: LTCi refuses claim
Replies: 33
Views: 5734

Re: LTCi refuses claim

krafty81 wrote:
Tue Feb 04, 2020 1:37 am
They basically said he was "too independent". Amazing for a 91 year old with dementia! The facility is working with the company, but I have filed complaints with BBB and my state. Legal help next.
What about your state's insurance commission?
by InMyDreams
Thu May 14, 2020 10:44 am
Forum: Personal Consumer Issues
Topic: How to look for a good Primary Care Physician (PCP), and no price transparency...
Replies: 35
Views: 2116

Re: How to look for a good Primary Care Physician (PCP), and no price transparency...

Healthcare prices is ridiculously untransparent in this country, The best price transparency that I've heard of is Direct Primary Care. It will not count towards your deductible. I do not use one, but have thought about it - I'm happy with my current PCP, tho she's out of network for me now. Anyway...
by InMyDreams
Tue May 12, 2020 11:55 pm
Forum: Personal Consumer Issues
Topic: COVID - 19 things to do
Replies: 51
Views: 4286

Re: COVID - 19 things to do

I think having a routine - especially with children - is really important. You didn't mention ages, but trying to include some studying may help keep them school-ready for the fall. And some of it could be things they're not doing in school. Language? I haven't done it, but another thread talked abo...