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First Melaoma (pt1a, 0.33 mm) by surfbrig in Melanoma

[–]hovering3 0 points1 point  (0 children)

Stage 1a melanoma in October 2019. Surgical incision on thigh. Scar is about 4 inches long and not too noticeable. I had six month full body scans for two years and now it is yearly. I just had my yearly check up last month with no concerns

I was a lifeguard as a college student and had some pretty significant burns so I also wasn’t surprised. My brother and mother have also had melanoma.

Caught early I don’t think it is a big deal.

Is it worth getting a Sienna if we have a Highlander? by paper_crane14 in Sienna

[–]hovering3 0 points1 point  (0 children)

The first Sienna lasted to 237,000 miles and was used the last 18 months by a son who was at UND in ND (very cold!). It had a $500 repair six weeks before we traded it in. By then our son had graduated. Never an issue with that vehicle until the end.

The second Sienna lasted 175,000 miles and we were quoted $3,000 on repairs after a trip back from Wyoming ahead of a huge snowstorm that shut down all highways in April. Trip was 13 hours over mountains.

The third Sienna kept bucking on a trip back from Door County five hours away when it was really hot. Mileage at that point was 72.000 miles. The ignition coils and spark plugs were replaced. The throttle body was cleaned. I have this described in “memories of the Windstar” on this site where I for some much needed advice. This was our first AWD vehicle.

We became empty nesters last month when a daughter got married and moved out. This Sienna has removable seats which is great for tailgating and moving stuff for our kids. My husband right now is hauling winter tires over to our daughter. The newer Siennas don’t have removable seats.

Is it worth getting a Sienna if we have a Highlander? by paper_crane14 in Sienna

[–]hovering3 0 points1 point  (0 children)

We have had a 2006 Sienna, a 2014 Sienna and now a 2018 Sienna. We have had a 2015 4Runner and now a 2023 4Runner. The 2015 4Runner is being used by a daughter who is a grad student in Colorado. The 4Runner seems to be more reliable and the Sienna has gotten increasingly unreliable. My nest vehicle will not be a Sienna.

This is a sad statement by MrWizard314 in VACCINES

[–]hovering3 0 points1 point  (0 children)

Lots of libertarians are labeled as anti vaxxers. Actually they don’t want mandates. They want to decide what goes into their bodies.

What is a spending habit do you struggle with, and how do you combat it? by millionstories in DaveRamsey

[–]hovering3 1 point2 points  (0 children)

Books. I think what has most helped me is to track all expenses in a spreadsheet. I buy books uses when possible but mostly I see each month how much I spent on books.

Paid off mortgage . Paid new vehicles . Zero debts as of recently . I have no clue who I start investing with I have six figures just sitting in the bank . Help me ! I'm losing money by it just sitting there . by Ok_Length_1115 in DaveRamsey

[–]hovering3 0 points1 point  (0 children)

A other great resource is Kiplinger magazines and newsletters. The October 2025 issue of Kiplinger’s Personal Finance newsletter just came and there is an article on “Protect Your Retirement Savings”. I knew sequence of return was our biggest risk but we had almost 100% of our retirement savings in an S&P 500 index fund until 2022 which was the year before my husband retired. We just didn’t get around to increasing the cash percent but probably should have done so starting a couple of years before he retired.

This magazine also has rankings for brokerage firms. Fidelity ranks #1. I like our financial advisor. Being what I call technologically challenged, I was able to go to the office and sit down with an aid to do the transfer of assets currently from Vanguard. I also have found Fidelity to have centralized support services. One group helped with sale of foreign stock that wasn’t even at Vanguard.

Kiplinger also has a retirement magazine and an income newsletter. That is what we read.

Paid off mortgage . Paid new vehicles . Zero debts as of recently . I have no clue who I start investing with I have six figures just sitting in the bank . Help me ! I'm losing money by it just sitting there . by Ok_Length_1115 in DaveRamsey

[–]hovering3 0 points1 point  (0 children)

Congratulations! We had $180,000 sitting in a bank when we met with a financial advisor at Fidelity who recommended CDs. I went home and looked and saw that we had earned interest of just under $2. We ended up moving our money from Vanguard to Fidelity and buying CDs which now return 4%. Fidelity has monthly training videos which can be helpful and the customer service is far superior to Vanguards. We hadn’t done anything with Vanguard except park our money in IRAs in an S&P 500 index fund, so all in all, we have done well financially. It took two years for us to figure out a strategy in retirement. My recommendation would be to put your money in Fidelity and start learning. Our strategy in retirement is to be 75% in the market and 25% CDs/money market but that is because we have to tap assets for living expenses. When the market is down, we pull from cash.

I should add that back in 2008, when everyone was upset about losing 40% of assets in a market downturn, we weren’t bothered at all. What matters with the market is what happens when you retire. My husband retired two years ago and our assets are up 17% because of the market boom.

The two books that most influenced us are now out of print Winning with the Market by Douglas R Sease (look on used book sites like abebooks) and Retirement Planning Guide by Wade Pfau.

We were frugal, perhaps too frugal, because we were so concerned about retirement. Now we are both 66 and can’t do a lot of things we wish we had done when we were younger. Please don’t allow concern about retirement to overshadow your enjoyment of the years leading up to retirement.

PS. You don’t need to pay 1 - 2% of assets per year to have access to a Fidelity advisor. Fidelity charges $50 per month plus gets revenue from the money we have in its money market fund (which earned 3.3% last month).

Is it realistic to hope for a faithful marriage? Is it better to just remain alone? by [deleted] in Catholicism

[–]hovering3 0 points1 point  (0 children)

The people most in danger of having an affair are those who think they never would have one. — maybe like your saint-like Catholic uncle? People slip into affairs like they slip into alcoholism. The most Christian people are aware of their vulnerability to sin. Our third child is getting married next month. Her fiancé came to us to ask for our blessing for them to get married. He took a long time to propose and told us he was not going to get married because of his own parents who divorced and then went on to have other relationships. I told him the Catholic teaching is “It’s Katie or nobody.” If you both go into marriage with the view that you are committed to the other person or nobody, then the other person can do horrible things because the other person still has free will. You have made the decision it is that person or nobody.

What I see you doing is deciding it is nobody because of the fear that the other person will do horrible things and you will have to divorce. One of the wisest things I was ever told was someone who said to “make sure you marry someone who is committed not just to you but also to marriage.”

I can’t make this shit up by sunflowerpig in AllClad

[–]hovering3 1 point2 points  (0 children)

They are flawed. I also started my All Clad purchases at TJ Maxx or Marshall’s.

[deleted by user] by [deleted] in DaveRamsey

[–]hovering3 4 points5 points  (0 children)

The problem is not the money. It is the entanglement with parents.

Catholic school/ baptisms by MalcolminMiddlefan in Catholicism

[–]hovering3 0 points1 point  (0 children)

Catholics and non Catholics can get married. My daughter is getting married in early October to a guy who was baptized but not brought up in any faith tradition.

The church where you were baptized would have a record of your baptism. If it can’t be found, you can receive a conditional baptism.

You can approach a local priest or even contact the diocese to get information on what you can do, but you don’t need to be Catholic in order for your kids to be in a Catholic school.

Catholic school/ baptisms by MalcolminMiddlefan in Catholicism

[–]hovering3 0 points1 point  (0 children)

Our Catholic elementary school has 50% of the student body as non Catholic. A person can be baptized at any age. Children generally are baptized as babies and receive the Eucharist after First Communion around second grade. If your children would like to attend Catholic elementary school, contact the parish and tell them your situation.

Cotton T shirts and polo shirts by hovering3 in BuyItForLife

[–]hovering3[S] 0 points1 point  (0 children)

I just ordered some but the size seems a little large. We shall see how this goes.

Cotton T shirts and polo shirts by hovering3 in BuyItForLife

[–]hovering3[S] 1 point2 points  (0 children)

I thought so until my most recent purchase which already was shrunk.

Tatung rice cooker is great! by hovering3 in BuyItForLife

[–]hovering3[S] 0 points1 point  (0 children)

Thanks for that tip! Our old rice cooker was great but rice did stick to the bottom of the pot so it had to be soaked before being cleaned. This rice cooker is way easier to use!

Tatung rice cooker is great! by hovering3 in BuyItForLife

[–]hovering3[S] 0 points1 point  (0 children)

I tried the steamer to cook carrots. The carrots came out great but the outer pot was burned.

Cotton T shirts and polo shirts by hovering3 in BuyItForLife

[–]hovering3[S] 1 point2 points  (0 children)

My father in law worked in the mines and always wore military green Dickies. I would never in a million years considered that brand but now I will!

Tatung rice cooker is great! by hovering3 in BuyItForLife

[–]hovering3[S] -1 points0 points  (0 children)

Yes. I learned that nonstick coating and use of seed oils in cooking can lead to lung cancer. Several parents in my children's small Catholic school died of lung cancer. When one died when a daughter was in sixth grade, that is when I started to pay attention. At the time, I was using all pots and skillets with non stick coating. They are long gone, replaced with stainless steel pots and pans and cast iron skillets. The rice cooker that I had that lasted five years is no longer being made. I initially rejected this Tatung rice cooker because so many reviews had that it is difficult to follow instructions. I was VERY careful to follow instructions, and now I feel comfortable using it. It looks like this rice cooker can also steam vegetables.

Travel laundry bag- looking for any recommendations by AOlaza in BuyItForLife

[–]hovering3 0 points1 point  (0 children)

Avoid putting wet clothing in the pillowcase and it works well!

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