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dedtired
4 years ago
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terezosa / terriks
4 years agodedtired
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When to start spraying Daconil /best type of mulch and when
Comments (10)I think Carolyn was interested in something called Serenade. I wonder if she got any feedback on that. Some say it works great without the white residue. ***** Me Carolyn? No, I'm not interested in Serenade or Daconil or Actinovate or Spinosid or Messenger or whatever, b'c since I moved to this new location 9 years ago I'm in a very rural area and haven't had serious problems with foliage diseases. I did most of tomato growing one hour south near Albany and there I had to use something b'c of the high prevalence of foliage infections, and after researching I decided on Daconil and it worked very well. It's strictly an anti-fungal so one needs to ID if the foliage infection is bacterial or fungal so one doesn't expect miracles treating a bacterial foliage infection with Daconil. Here where I ( meaning Freda who does all my gardening for me since I have to use a walker after a fall in 2004 when I severed all 4 quads in my right leg) now live I use nothing. Carolyn...See MoreWhen did you start going out again (with baby)?
Comments (16)I agree, it is definitely easier at this age than, say, 18 mos. At least they don't have tantrums! I'd rather take a baby out than my 2 year old. So, I took them out early, earlier with each one because life just demands it. I had #3 at a school play for #1 they day after we came home from the hospital -3 days old. What am I gonna do, not go to DS's things? I found they slept pretty well when we went out. A lot of restuarants have special seats to put the carrier in. The constant hum of a crowded place would put mine to sleep every time. Though I got pretty good with the sling, too, eating over the baby. Sometimes the carrier is just in the way. Trade of holding her, do your best. Go at off peak times, so you don't have to wait, or call ahead for a table if you can. We very rarely managed dessert -unless we took it to go. Start out by going where you are familiar with the menu and so you can order as soon as you are seated. I really had no problems with movies, either. They slept, and there is no better place for discreet breastfeeding than a dark movie theatre (even the slurping sounds can't be heard :o)). It happened a couple times things didn't work out. But, you go with the flow. We asked for take out boxes for out meals. We left a theatre once when it wasn't working out, the manager saw us, thanked us for our consideration, and gave us passes to come back another time! You don't know until you try, and it's worth it to get out. If you start taking them young, it becomes familiar to them and they go along with it just fine. Go out this weekend and let us know how it goes!...See MoreWhen did you all start getting homeowner insurance quotes?
Comments (16)Hi, Cynthia. Coverage amounts seem fine. I'd ask about an endorsement that I put on all my Travelers homeowners policies. In Virginia it's Endorsement 58065 VA - Value Added Package Plus. It may already be on there, but if it's not, it's a valuable addition and is very inexpensive. It includes the Ordinance or Law Coverage as well as other valuable coverages. I prefer the PLUS level of the endorsement, but at a minimum I'd get Endorsement - 58064 VA Value Added Package. The additional cost of the PLUS over the basic VAP endorsement should only be about $30. In addition, the ACE (Additional Coverage Endorsement) is part of every policy I sell. Last change I'd make is the Personal Liability. Even though you have $300,000 limit, that's the minimum I recommend. Raising that to $500,000 is an inexpensive way to better protect yourself and your assets. You may already have all this coverage in your policy. Your agent in Virginia is the one best equipped to answer your questions. I'm not licensed in Virginia so this is not an attempt to offer counsel on your particular policy. I'm just letting you know what I do for my clients in NY. (Legal disclaimer since I cannot sell or advise in the state of Virginia) Best of luck, Cynthia! Kevin...See MoreWhen did you start saving for retirement?
Comments (48)Jakkam said, "It should be noted that Lindsay's experience with CA state pensions is only relevant between her employer and her specific union. Different unions/employer agencies negotiate contracts that are usually similar, but NOT identical." Gee, my very first comment was, "In California State Service, the terms of the retirement pension can vary according to which bargaining unit covers your position, when you were hired, and what "Tier" you are in." (emphasis added) Did you somehow miss that? Jak went on to say, "Union workers should be aware that at least in CA, CalPERS does not fund any health benefits. All retiree healthcare is funded directly by the agency involved. If your employer has not bothered to set up a separate funding for retiree healthcare, you should contact your union rep and make this an issue - a BIG issue." Incorrect, or at the very least, incomplete. The funds for State employee and CSU employee retiree health care benefits come from the State's General Fund, as allocated by the Governor's Budget each year. Perhaps you are thinking of other public agencies such as city and county government agencies and School employees. In fact, the CalPERS site for Health Plans & Rates for retirees says on the link for Public Agency and School Retirees, "Contributions vary by employer. Contact your employer's personnel office to find out how much they contribute toward your health premium." Click on the link for State & CSU Retirees and you will see the following: "The state employer contribution amounts for 2017 are: "One-Party: $707 "Two-Party: $1,349 "Family: $1,727 " The only difference in the amount that State retirees receive towards their health insurance costs is governed by the length of time of their service. Different "hired by" dates have different vesting requirements to receive the full amount of the State's contribution: (1) If you were hired before January 1, 1985, you are entitled to 100% of the State's contribution; (2) If you were hired between January 1, 1985, and January 1, 1989, there is a 10-year vesting requirement. If you have 10 years of service when you retire, you will receive 100% of the State's health care contribution. For less than 10 years of service, the State's contribution is reduced by approximately 10% for each year of service less than the required 10; and (3) If you were hired after January 1, 1989, the length of time of your service determines what percentage you will receive of the State's contribution. Less than 10 years, you get 0%; at 10 years, you will receive 50%; with 11-19 years of service you will receive 50% of the State's contribution plus an additional 5% for each year over 10 years. If you have at least 20 years of service when you retire, you will receive 100% of the State's contribution. Four (4) bargaining units (6, 9. 10, and 12) now have a 25-year vesting requirement, with different hire dates. My husband and I both had well over the required number of years of service when we retired, so we do receive the full benefit. The amount is more than enough to cover our Medicare Plan B premiums, Medicare Plan B IRMAA premiums, and our PERSCare Blue Cross PPO Medicare Supplement Plan premiums. There is more than enough left over to also cover the cost of our Medicare Plan D IRMAA premiums (our Medicare Plan D is included in the PERSCare Medicare Supplement Plan), but California law does not provide for the reimbursement of Medicare Plan D IRMAA premiums. But the $26.60 per month is the only health care cost we have....See Morechispa
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