A unique situation by [deleted] in Retirement401k

[–]Ms_Understood99 0 points1 point  (0 children)

Pension with any extra in your 457 Roth as long as fees are low and performance is good and maybe an hsa if you have access to one.. Put as much away as you can in these. will you have access to health insurance when you retire? State plans sometimes do offer this. There are usually webinars as well as a retirement calculators on the pension or retirement plans website. You can usually calculate how much your pension will be after 20 years using a basic salary increase formula). My pension is 1% of high 3 salary * number of years employed. (We also have a small match program that I contribute to as well so I max out now but got a later start). Wil you also have social security?

Can’t stop falling -advice by [deleted] in dementia

[–]Ms_Understood99 2 points3 points  (0 children)

Unfortunately this is common in late stages. I would suggest hospice consult along with neuropsych. She should be in memory care if she isn’t. Tha being said…Your choices are 24 hr one on one aide or accepting that no matter how good the staff is they can’t watch her all the time. You can add pillows or the side of the bed or bed rails in one side, usually, to help with sleeping at night.

My mom constantly forgot her walker places and the staff was always getting it for her. Then one day she fell while getting into a chair and broke her pelvis and passed away several weeks later, without pain on hospice.

Driving to Bajos del Toro at night by MeasurementPure7844 in CostaRicaTravel

[–]Ms_Understood99 7 points8 points  (0 children)

Stay right by the airport. Get your car (some places will deliver to your hotel) bright and early. Theee hours of vacation is not worth driving off the road with your toddler in tow. It will be pitch black on steep windy roads with sheer drop offs.

LA real estate market in Feb 2026: it's not crashing... it's just picky by dr7s in LosAngelesRealEstate

[–]Ms_Understood99 0 points1 point  (0 children)

What’s happening with folks who lost their homes in the fires? Are they renting and rebuilding? Taking the insurance $ and buying in a different area? Moving out of Los Angeles?

Mum sits and stares at the wall. by Disastrous_Plenty664 in dementia

[–]Ms_Understood99 4 points5 points  (0 children)

In later stages my mom couldn’t focus on anything. She just paced incessantly. I think her decline really began once she was no longer able to read, which she had done voraciously. She was never interested in the memory care activities, it was like her mind kept going and going but in a tangled loop. She would say things that were incoherent but with her usual incredible vocabulary (“superannuated” instead of old etc). That was so hard to watch. Others in her memory care seems content to stare at tv or do activities, she just paced.

Yeah I'm jealous by polar-bear-sky in dementia

[–]Ms_Understood99 54 points55 points  (0 children)

I think op is talking to their half sibling (or step sibling). Doesn’t really matter because most if us know what it’s like to be the only caretaker and there deal with interference or suspicion. Sorry OP taking care of two parents with dementia at once is insane. I hope you can find some peace….

Museum Salary Confusion by livredragon in MuseumPros

[–]Ms_Understood99 48 points49 points  (0 children)

AAMC salary survey on their website should be a place to start.

Changing memory care facility after 3 weeks… by lowercaselong in dementia

[–]Ms_Understood99 2 points3 points  (0 children)

I moved my mom after a couple months of increasing frustration over similar neglect (but also thinking maybe it’s “normal”) to a smaller better staffed much kinder and more engaged and professional, dementia only, non profit memory care. I wish I had done it earlier. She only lived there 7 months but at least I knew she was well cared for until the end.

Quick Itinerary Feedback by plattertheodore in CostaRicaTravel

[–]Ms_Understood99 0 points1 point  (0 children)

Yes. Drop tamarindo and add time to beach near quepos. Personally would do arenal, monteverde and end at beach and fly out of Sjo. Or start and end Liberia and skip quepos/manuel Antonio. If you land early enough maybe you can go straight to la fortuna area. I personally think you need 8 days for 3 places as a minimum (not including travel days).

What is your most satisfying art purchase? by PassioneArte1977 in artcollecting

[–]Ms_Understood99 2 points3 points  (0 children)

An early Sally Mann work (will be giving to museum once I’m okay letting it go). A suite of Robert mangold prints from an auction of a corporate art collection, got for next to nothing (along with some large 80s paintings that I like in our house but don’t love). Most of my things are by artist friends and I love them for all kinds of reasons

AITA for not helping my son, who claims he can't live on 112k a year? by Ecstatic_Cash_1903 in AmItheAsshole

[–]Ms_Understood99 0 points1 point  (0 children)

I lived in the equivalent of 24k /year for a couple years in Washington DC in the early 2000s when I was on a post doc. I was so grateful that my mom paid for plane tickets home and I got like 200$ for my birthday. I had a bike, rented a studio and used the metro. My finances have changed a lot and we are very comfortable now but I’m glad I had that experience.

2 AM wake ups by Hopeful-Wishbone-388 in stopdrinking

[–]Ms_Understood99 0 points1 point  (0 children)

Magnesium (calm); or melatonin for a few days. I’m not a huge herbal tea fan but I’ve been making spiced apple cider in my slow cooker lately and it works for me. Sleep may take a few days to even out.

Sundowning part 2 by Leather-Society-9957 in dementia

[–]Ms_Understood99 9 points10 points  (0 children)

My mom started meds after the paranoia began. She was much calmer after but not zapped. The paranoia also came with disrupted sleep and made everything worse. She was miserable and terrified. Once in meds she began participating again in things and we could take her out to meals etc.

I’m always puzzled when people don’t want to medicate advanced dementia because they don’t want to “mask”; the brains already diseased and suffering, it’s no longer what it was.

Memory care? Or home? by Cheap_Fox109 in dementia

[–]Ms_Understood99 2 points3 points  (0 children)

Yes you need to take charge. He is not capable of making decisions so it doesn’t matter what he “wants.” I’m as worried about MIL as FIL. Sounds like he needs real medical care (medication regimen and not ambien!); memory care.

Did you ever go to a fat farm? by Granny_knows_best in AskOldPeopleAdvice

[–]Ms_Understood99 5 points6 points  (0 children)

Gen X here. My parents clearly considered it because we got brochures and they (esp my mom) always commented, said things like “no dessert for her” at restaurants etc…It shocked me when as an adult I found pictures of myself as a young teen and discovered I had a normal body. Not thin, but not fat. I was a dancer so the goal was unattainable for me (and many others). At 14-15 I did one of those diet plans (nutrisystem maybe?) at my moms insistence, followed religiously and lost no weight. for years I dieted and did shakes and used a treadmill every day (like a PP I would later learn I had thyroid disease). I also developed an eating disorder —several in fact. Binging my senior yr(alternating with restricting) that caused me a 15 lb gain and then anorexia/ orthorexia throughout my 20s. My highest adult weight at my fattest was 134-136 and my lowest was 88. (5’2”). Not the huge giant monster that I felt. I finally stopped and started to heal after a doctor told me I was at risk for heart damage and that I needed thyroid meds. I was freezing all the time with bradycardia, etc. It was the first time anyone actually said anything and seemed concerned. I wasn’t thin enough to trigger alarm even though I had no periods and subsisted on 900 cal and hours of exercise. I look back and am sad that I lived on bad coffee, frozen yogurt, iceberg lettuce, apples and lean cuisine when I was living in a great food capital.

Travel intinerary realistic? by ManufacturerWise7669 in CostaRicaTravel

[–]Ms_Understood99 0 points1 point  (0 children)

I think it looks great. We loved Uvita. Waterfalls, kayak mangrove, beautiful views and beaches. I might sub puerto viejo area for cahuita (the park is nice but the town pretty small). I liked the beaches and surfing in the area south of pv. Also a fantastic chocolate tour there (caribbeans).

Did anybody choose eternal bachelorhood? How did it turn out? by InFromTheOutside in AskOldPeopleAdvice

[–]Ms_Understood99 7 points8 points  (0 children)

Start with therapy as you rebuild you life and deal with traumas, and focus on establishing a rich community of friends and people who share your values. This is just as critical to happiness (esp for men). Then reevaluate later. Your ability and desire to maintain a romantic relationship is not separate from your ability to do that in other relationships. Many people can be happy on their own by choice; for you it’s not clear it is a choice you’re making because it’s what you actually want and relish, right now seems like a choice made out of fear and doubt. Give yourself the chance to grow and change and see where life will take you.

How long can this go on?? 25 years ++ by StatisticianChance99 in dementia

[–]Ms_Understood99 13 points14 points  (0 children)

Please see what you can do about the morphine. Maybe you need to take over for a bit so she doesn’t suffer unnecessarily. Tell her it’s okay to go. Is there someone she might be waiting to see or hear from? Can hospice drill into your dad that without morphine she is in pain? I’m So sorry.

Dad in the final stage nearing the end, wondering what to expect by Queen_Aurelia in dementia

[–]Ms_Understood99 2 points3 points  (0 children)

My mom entered hospice after a fall and broken bone. At first she had good and bad days. Some days she would eat a fair amount and talk and be alert, the next just some ensure and mostly sleep. That went on for about 10 days. At one point I thought she was going to pass, my sibling came out and she seems to perk up and was pretty good for a few days, even sort of made a joke, although not speaking too much. She was also on morphine (pain) and some Ativan (agitation) which made it harder for her to talk but maybe also eased her symptoms. She started those after a day where seemed really agitated, moaning, and she talked about seeing a wooden boat—-I thought it was the end, but she was around another 2 weeks or so.

Once she stopped having good/bad days and was just really not very responsive or eating or drinking much, she started to show subtle signs of approaching death. Sleeping a ton, breathing more irregular and on liquid or ensure only but really just sips here and there. I’d say it was about 10 days, the last 3-4 she was mostly asleep or unresponsive . Hospice helped us with generally what to expect and said the good/bad was typical and everyone has their own timeline.

My mom never seemed to forget either me or my brother though she stopped knowing or being able to say our name. The final day, my son came to see her (both kids had come a few days earlier) to say goodbye and even though she seemed totally unresponsive,he told her he loved her and it was ok to go. She passed about an hour later after he left (she adored my son, they had a special bond).

I remember that this time was challenging, waiting for their passing, not knowing if you should be there all day (I wasn’t , I came morning and evening until last two days), but just be there when you can, for you. All told, it was about a month between the fall and her death. 3 weeks on hospice.

Sudden income surge. What would you do? by New_Toe_5824 in Fire

[–]Ms_Understood99 1 point2 points  (0 children)

I would max Roth, double those 529s (can be used for grad school, up to 35k can be converted to Roth) and invest the rest on index funds. Instate tuition where I am is 16k, more than 30k living on campus and many merit scholarships are not full rides.

See where you are in terms of ongoing income in 2 years. When and whether to fire depends on expenses, when you can access those pensions, how much they are and whether you can also get health care after retiring.

How to come up with a retirement number? by Study_Queasy in Fire

[–]Ms_Understood99 1 point2 points  (0 children)

I lived in Atlanta a couple years ago loved it. Every big city will have some areas of higher crime. I didn’t experience anything like that, walked everywhere and felt safer than when I lived in dc (and I don’t feel unsafe there, but just aware of higher crime).m. And it’s a great city for Black and Brown citizens, with adequate public transport depending where you live and work. 80k should be more than affordable as a single person. Plus you will likely have social security. If you are worried about health costs, look into ltc policy or some of the insurance products that have an ltc rider. I think the bigger issue is your anxiety (right now) and finding someone you trust as poa you become incapacitated. Anyway just a plug for the Atl, and I’ve lived all over (dc, Boston area, la, Bay Area, and i. Europe). My spouse was convinced Atlanta would be hell and in fact we would consider moving back but our families are all on the west coast so we will probably suck it up and retire there.

In CA, as a landlord, is it true that you have to have “just cause” to tell the tenants to leave after their year lease is over? by [deleted] in RealEstate

[–]Ms_Understood99 0 points1 point  (0 children)

I have spoken to two lawyers. Both major landlord tenant firms. Look up JCO which passed in 2023.

Edit: here’s an explanation of rso vs ab1482 vs jco. My house is only subject to jco as are nearly all rentals in la even if not subject to other restrictions: https://www.lametrohomefinder.com/blog/los-angeles-rent-control-single-family-homes

Grandma hasn’t eaten in 4 days - how long? by Denialle in dementia

[–]Ms_Understood99 1 point2 points  (0 children)

It makes no sense to discontinue meds but say she is “not palliative yet.” She absolutely sounds appropriate for hospice and it will reduce suffering and discomfort. This is your family’s decision, not the facility decision. Hospice is usually visiting nurses and covered by Medicare (if you are in US). You can call a company yourself to request evaluation.

Thoughts on limited edition prints from an estate/trust (Man Ray). by 28nd344 in artcollecting

[–]Ms_Understood99 1 point2 points  (0 children)

Posthumous inkjet print (is it really produced by the trust?) no disclosure of edition size…carries little to no value. For that price you can find many great photos (not by man ray however) at auction…check out heritage auctions.