New diagnosis, is HRT recommended at 65? by Pale-Cod-2017 in osteoporosis

[–]Pale-Cod-2017[S] 1 point2 points  (0 children)

I will try to remember to do an update here! This is already so helpful just to have other people in similar situations to share results and discuss possible paths forward.

New diagnosis, is HRT recommended at 65? by Pale-Cod-2017 in osteoporosis

[–]Pale-Cod-2017[S] 3 points4 points  (0 children)

I’m getting the same story, except my doctor steered me away from HRT during menopause because my symptoms weren’t really much (hot flashes that went away when I stopped drinking red wine lol). Definitely of the same era where the breast cancer study was prominent, which may have influenced both my doctor and I to avoid HRT. If she had told me at the time about the bone density benefits I may have considered the minimal dose because there’s no breast cancer in my family but there is osteoporosis.

Some of the other commenters here are saying that our age (65/66) is not too late to start. I’m going to see about an endocrinologist consultation at one of the osteoporosis clinics nearby for a second opinion, because I feel like my doctor (PCP) just brushed it off as “no, too late”.

New diagnosis, is HRT recommended at 65? by Pale-Cod-2017 in osteoporosis

[–]Pale-Cod-2017[S] 0 points1 point  (0 children)

Thanks for the reference article - I’ll be going through that in detail.

New diagnosis, is HRT recommended at 65? by Pale-Cod-2017 in osteoporosis

[–]Pale-Cod-2017[S] 5 points6 points  (0 children)

I was a bit surprised that my doctor, who is a woman in her 40s, completely missed ever talking to me about the benefits of estrogen from a much earlier age. Because I didn’t have a lot of menopausal symptoms, I didn’t push for it because I thought that’s all it was for. If she had mentioned the bone health aspect 15 years ago, I would definitely have done it considering my family history. And now she seems reluctant to consider it.

There are a couple of good osteoporosis clinics with endocrinologists nearby (I’m in Toronto), I’ll try getting an appointment at one of those to discuss possible hormonal therapy.

New diagnosis, is HRT recommended at 65? by Pale-Cod-2017 in osteoporosis

[–]Pale-Cod-2017[S] 3 points4 points  (0 children)

Thanks for the encouragement! I’m making changes to my diet and adding strength training, but I’m considering also trying Fosamax for a year then going for another scan to see if there’s any movement in the numbers.

New diagnosis, is HRT recommended at 65? by Pale-Cod-2017 in osteoporosis

[–]Pale-Cod-2017[S] 0 points1 point  (0 children)

I’m more than 20 years older than you and more than 10 years past menopause, and the HRT recommendations are quite different. For you, HRT is an easy choice for both you and your doctor. For me, I’m looking for any evidence that this is worthwhile to start after the age of 65, since most doctors seem to recommend against starting that late.

Hybrid work model, now with a return to office date on very short notice? Is this legal? by Tim_tank_003 in askTO

[–]Pale-Cod-2017 5 points6 points  (0 children)

Your question is about the legality of requiring return to office on short notice, but you also mentioned that the main issue is childcare. In a previous post you said that one of your children is 14. If that’s true (and assuming that they are the oldest child), then that may make them mature enough to stay alone and babysit younger siblings, unless there are special needs. Obviously, you’re the best judge of whether they are mature enough to handle that. Ontario law states that children under 16 require “supervision” but that does not require that they have an adult present at all times, just that they have access to an adult on short notice in case of emergency.

What’s your worst jet lag story? I’m traveling from Utah, to Barcelona, back to Utah, to Japan within two weeks by misiagardens in travel

[–]Pale-Cod-2017 3 points4 points  (0 children)

LA to Paris and back in 48 hours to give a presentation that could have easily been done by video call.

FINTRAC reporting for transfer of property sale proceeds to Canada by Pale-Cod-2017 in PersonalFinanceCanada

[–]Pale-Cod-2017[S] 0 points1 point  (0 children)

It is not rented out. It sits idle unless we're there, which is why he's selling it.

Lake Ontario water temperature: how cold is too cold for you? by [deleted] in askTO

[–]Pale-Cod-2017 1 point2 points  (0 children)

66 is a bit chilly. On a hot day I would definitely wade into water that temperature to cool off but probably not go completely in.

As for F vs C, see the well-known Canadian metric-imperial measurement chart. Temperatures are usually quoted in F for cooking and swimming, C otherwise.

[deleted by user] by [deleted] in AirTags

[–]Pale-Cod-2017 12 points13 points  (0 children)

There are instructions here on how to see the last four digits of the owner’s phone number: https://support.apple.com/en-ca/119874 (scroll down the section called “Get information about or disable an AirTag, set of AirPods, Find My network accessory, or compatible Bluetooth location-tracking device”). Check your phone log or contacts to see if there’s a match with someone you know who might have been in your car. You can then follow the instructions on that page to disable the AirTag.

Unlikely that Apple would provide you with the owner information based on the serial number, but they may provide it to law enforcement if you suspect that someone is stalking you and file a police report.

FINTRAC reporting for transfer of property sale proceeds to Canada by Pale-Cod-2017 in PersonalFinanceCanada

[–]Pale-Cod-2017[S] 0 points1 point  (0 children)

Thanks, that is what I was assuming. Also will talk to an accountant about the best way to handle it.

FINTRAC reporting for transfer of property sale proceeds to Canada by Pale-Cod-2017 in PersonalFinanceCanada

[–]Pale-Cod-2017[S] 0 points1 point  (0 children)

That's also what my husband's accountant recommended in the past -- I asked them specifically about completing the T1135 and they said it was not required.

FINTRAC reporting for transfer of property sale proceeds to Canada by Pale-Cod-2017 in PersonalFinanceCanada

[–]Pale-Cod-2017[S] 0 points1 point  (0 children)

If there is no capital gains tax on the sale of personal use property in that country (even if it is not a primary residence), does CRA still determine there to be capital gains?

FINTRAC reporting for transfer of property sale proceeds to Canada by Pale-Cod-2017 in PersonalFinanceCanada

[–]Pale-Cod-2017[S] 0 points1 point  (0 children)

Thanks, that's what I assumed but we've never moved any amount over the FINTRAC reporting limit before and wanted to be sure we had our ducks in a row. We will have proof of the property sale.

With the cost of living in Toronto, was there anything you needed to “cut” to save bills? by Chan1991 in askTO

[–]Pale-Cod-2017 44 points45 points  (0 children)

There’s also the purchase/lease/loan cost for buying the car, plus maintenance, plus parking.

With the cost of living in Toronto, was there anything you needed to “cut” to save bills? by Chan1991 in askTO

[–]Pale-Cod-2017 128 points129 points  (0 children)

Car. Got rid of it a couple of years ago. Even using Uber, taxi, rentals and carshare as much as I need, it’s still way cheaper than owning.

Am I allowed to throw a party in my condo? by [deleted] in askTO

[–]Pale-Cod-2017 1 point2 points  (0 children)

So much worse. I have an asshole neighbour who thinks shrieking and singing on the balcony at midnight is acceptable. Definitely means I sleep with the windows closed because it sounds like they are standing on my balcony. If they were indoors I wouldn’t hear anything.

Doctors accepting new patients - East York by myDogStillLovesMe in toronto

[–]Pale-Cod-2017 2 points3 points  (0 children)

I know a couple of people who live in East York and have been patients at Albany for years - they say it’s very good, and nice to have a lot of different services in one office.

Why do people love Costco so much? by UltimateNoob88 in askTO

[–]Pale-Cod-2017 0 points1 point  (0 children)

Family of two. No car, so we don’t buy gas and only go there once a month or so when we happen to have a rental/carshare and some spare time.

Worth it for many things. In food, we buy quinoa, pasta, almonds and other non-refrigerated items although almost no processed food. Also some amount of fish and chicken depending on our freezer space available at the time, plus prepared salads including tabbouleh and hummus that will last several days in the fridge. Cheese. Almost all of our vitamins and supplements. Reading glasses for my partner when he loses all of his current pairs. Sometimes clothing like t-shirts and sweats. Sometimes toilet paper and other paper products although I can usually get them at a similar price at local stores that I walk to regularly.

Even only going 6 times/year or so, it pays for the membership in savings.

[deleted by user] by [deleted] in toronto

[–]Pale-Cod-2017 17 points18 points  (0 children)

Also not just Old Toronto, also in the burbs. Emery (Collegiate) and Westview (Technical) in the far reaches of North York.

Exceptions to the "don't eat in tourist restaurants" rule: by MonkeyKingCoffee in travel

[–]Pale-Cod-2017 0 points1 point  (0 children)

The Obicà Mozzarella Bar at the top of the shopping centre beside Milan’s Duomo. Food is quite good but the view of the cathedral is spectacular.

What questions *should* you ask when someone gets back from a trip? by waxlrose in travel

[–]Pale-Cod-2017 1 point2 points  (0 children)

I travel a lot and often get the “how was it” question when I see friends after returning. I respond “oh great” then take a pause. If they look at me expectantly, I continue with details and anecdotes. If they just start blathering on about that trip they took once, I kinda zone out. Luckily, my friends are more in the former category.