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applethyme

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Posts posted by applethyme

  1. We have done the consumer directed health plan plus HSA for the last 3 years.  I won't do it again.  I don't know the specifics of your plan but ours did not cover so much of my sons' medical care that we paid thousands above the deductible. Every one of the three years I would call our pharmacy to get a quote for the meds and the doctors office for estimates of visit costs and on paper it should have been a better deal but, for us, the out of pocket max only means the things that they cover so certain medicaions did not go toward our out of pocket max and some medical supplies as well.  What I did not know was in addition to all of that, they only covered 15% of durable medical equipment so we had that cost on top of everything else. 

    • Like 1
  2. My suggestion would be:

     

    chimney

    roof

    windows

    heat/ac

    then back deck.

     

    By doing the chimney first, if anything happens to the roof while its being repaired, ok because the roof is next.  Next the windows because it is a big job but once done your existing heat/ac will work a little better until you can get that repaired and last the back deck. 

     

  3. DS had a 100% oral aversion for the first 5 years of his life.  We did lots of therapy until we could get to a few things he would eat and his diet grew from there.  What I have learned is that sometimes its not the food that is the problem but what its called and its presentation.  For many years DS would not eat eggs, then I started making "egg pizza."  Egg pizza is an open face omelette with shredded cheese and what ever topping he wanted (bacon was a favortie).  I then cut it into slices like pizza.  It only took me making it for dd and making a big deal of what a special dish it was.  I also learned quickly that just because he would take a new food once to not add it to his 3 day meal plan. I did not make these new foods any more frequently, but did offer them as part of a regular rotation.  This way it wasn't a food he would eat then quickly tire of. 

  4. I used one with both of my children until they reached an age that they could understand that they needed to stay near to me for safety.  When they were 4ish I taught them to hold on to my clothes when we were crossing a street.  Even today DS will hold on to my pocket or the back of my shirt when crossing a road.

    • Like 1
  5. The combination of death and assets make people crazy in the head.  After my father passed away, my aunt who was the executor of the estate decided that all of his belongings "needed to stay in the family."  She worked very hard to convince the estate attorney that I should be disinherited.  In the end she mostly succeeded.  She lied on the estate survey.  I found her daughter selling my fathers tools on the internet and all the pictures and personal items could never be accounted for.  Pictures of their homes all show things that belonged to my father.  I have zero relationship with either of them as a result.

    • Like 2
  6. Love our pediatric dentist.  When the kids were little we did the parent lap visits and then as the kids aged they go back to a big open room that has 6 or 7 hygienists and the parents stay in the waiting room.  However, ds is on the spectrum and has some chronic health issues, he won't always do well in the big room and on those days they come and get me and we go back to the parent lap room for his comfort.  I think the bigger issue is not if parents go back or not, but rather how comfortable you are with your dental team.  Our dental team is wonderful with my kids and are very kind to my foster babies, I know that if there are any issue they will come get me.   

  7. My father has been dead 10 years now and his estate is still not settled.  He refused to believe his cancer was terminal and as a result refused to discuss anything.  After his death we found no less than 10 life insurance policies each with different beneficiaries.  Only one of the policies were in effect.  There were stock certificates at his house, my house, his mothers house, the vacation house, a bank safe deposit box.  I'm not even sure we found them all.  We were not able to locate his savings bonds and an actual inventory of the estate was impossible as he stored tools and other things with many friends and family members.  The will we finally found was dated 10 years before his death and named a former girlfriend as a beneficiary.  His wife was not amused.  A few months later a later will was found making his mother, who had dementia, the executor of the estate and did not include the girlfriend.  It is a tangled mess that will never be resolved.  I pretty sure he did not realize that the mess he left behind meant that the bulk of his estate was essentially stolen by other family members and friends since there was no way to account for anything.  Before giving away any clothing or other items all had to be checked carefully, after he died I went to use his bathroom and when I pulled out a hand towel, $20 bills fluttered to the floor, he was trying to hide money from his wife.  Every towel in the cabinet had cash tucked into it.  :sad:

     

     

    • Like 2
  8. :grouphug:  :grouphug:  :grouphug:

     

    Call me cynical but I'm pretty sure there is no such thing as an amicable divorce.  My aunt thought that hers was and bent over backwards to be "fair."  After the divorce was over and the papers were signed she found out he had been seeing other women for years and had hidden assets.  She was left just this side of poverty while he owns several rental properties, has two vacation homes and travels extensively. She thought she knew about their joint finances, what she didn't know was that he had been hiding money since almost the beginning of their 15 year marriage.

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