Search found 164 matches

by Trapper
Fri Jan 11, 2019 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: 17 mo CD
Replies: 1
Views: 305

Re: 17 mo CD

Thanks for the heads up!
by Trapper
Thu Dec 06, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Probate after-action report: Oregon
Replies: 7
Views: 893

Re: Probate after-action report: Oregon

Thank you for taking the time to post.
Good and useful information.
by Trapper
Sat Dec 01, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Divorce Settlement Options
Replies: 51
Views: 6180

Re: Advice on Divorce Settlement Options

Assuming her tax rate is 30% may not be accurate.
by Trapper
Sat Dec 01, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Divorce Settlement Options
Replies: 51
Views: 6180

Re: Advice on Divorce Settlement Options

So sorry you are going through divorce. Looks like you will be paying alimony. I think the deductibility from your income taxes for alimony paid sunsets soon (end of 2018?) for divorce agreements not finalized. My other advice would not to lump sum pay alimony, but have a series of payments that you...
by Trapper
Fri Nov 30, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Use HSA funds to pay dental insurance premiums
Replies: 2
Views: 268

Re: Use HSA funds to pay dental insurance premiums

Looks like IRS Pub 502 says yes😁
by Trapper
Fri Nov 30, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Use HSA funds to pay dental insurance premiums
Replies: 2
Views: 268

Use HSA funds to pay dental insurance premiums

Can I use my HSA to reimburse myself for dental insurance premiums?
by Trapper
Fri Nov 30, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Federal employees - Delta Dental insurance
Replies: 11
Views: 966

Re: Federal employees - Delta Dental insurance

Thanks for the replies so far. One of the reasons I am focusing on Delta is that my current dental practice likes Delta. I think they will add the Fed Delta to their practice as a PPO if I ask.
by Trapper
Fri Nov 30, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Federal employees - Delta Dental insurance
Replies: 11
Views: 966

Federal employees - Delta Dental insurance

I am considering enrolling. I have always been a “self pay” for dental care and have had extensive work. For those the have had Delta Dental under the Federal employee program have you been satisfied with them covering major work?I am thinking implants here. Do they try to deny claims or reimburse c...
by Trapper
Sun Nov 25, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!
Replies: 50
Views: 3293

Re: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!

The first year I had GEHA high deductible plan the account was established with HSA Bank in February. Since then the last GEHA pass through funding for the calendar year has posted in the following January. (The final 1/12th for 2017 is posted in January 2018). Not knowing this the first year, I fun...
by Trapper
Wed Nov 21, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: Landlords: Where do you buy your fridges?
Replies: 15
Views: 2425

Re: Landlords: Where do you buy your fridges?

Not a landlord, but Craigslist has been pretty good for me with appliances.
by Trapper
Mon Nov 19, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Good audio book for a family?
Replies: 33
Views: 1868

Re: Good audio book for a family?

The Poacher’s Son This is the very first novel by Paul Doiron and the presentation of his Mike Bowditch character. Mike Bowditch is a game warden who arrives home one evening to find a voice mail from his alienated father who lives by illegal poaching. An even more terrifying call comes in the next ...
by Trapper
Wed Oct 31, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: Am I Risking My Life to Sell My Car?
Replies: 37
Views: 4730

Re: Am I Risking My Life to Sell My Car?

Call Carmax and have them come to you and pick up the car.
by Trapper
Wed Oct 17, 2018 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution for divorced non-custodial parent
Replies: 13
Views: 746

Re: HSA contribution for divorced non-custodial parent

Thank you Spirit Rider for your excellent explanation. We haven’t made any withdrawals, but am glad you outlined the path to take for those who may be reading.
by Trapper
Wed Oct 17, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: secure land for donation for county park
Replies: 17
Views: 1610

Re: secure land for donation for county park

Thanks for all the advice. I plan to contact the county extension service and ask about the CREP program. That may be an option. I made a conservative offer on the land which was expectedly rejected. I framed the offer to the seller that it was my intention to donate the land for a county pocket par...
by Trapper
Wed Oct 17, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution for divorced non-custodial parent
Replies: 13
Views: 746

Re: HSA contribution for divorced non-custodial parent

So, I am learning something new from this thread and now have a question. My twenty something son completed four years of military service and is now attending college. He is no longer my dependent for taxes. I added him to my health insurance by changing from individual plan to a self plus one. I d...
by Trapper
Tue Oct 16, 2018 2:33 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11591

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

10. Legal system risk abroad
by Trapper
Sun Oct 14, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: secure land for donation for county park
Replies: 17
Views: 1610

Re: secure land for donation for county park

Niceguy7376, if a builder can get a permit to build on that piece of land the seller is asking less than a similar lot would sell for. If the property is unbuildable, it is only worth a fraction of what a buildable lot in that area would cost.
by Trapper
Sun Oct 14, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: secure land for donation for county park
Replies: 17
Views: 1610

secure land for donation for county park

I enjoy the paddling sports (canoeing & kayaking). Streams and rivers are fairly inaccessible in my area for two reasons. Land is in private hands, and steep cliffs or steep mud banks (6'-8') limit access. The county has several canoe launches and boat ramps. There is one piece of creek that is abou...
by Trapper
Sun Sep 23, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Trustee for sixty something sister
Replies: 22
Views: 2202

Re: Trustee for sixty something sister

One of the main reasons for dispersement of her inheritance over time is because sis does not make good decisions. That is why I used the term, “doesn’t adult well” earlier. Having sis choose her trustee is not on the radar. If there is conflict, I am willing to step aside for a bank or company to m...
by Trapper
Sat Sep 22, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Trustee for sixty something sister
Replies: 22
Views: 2202

Re: Trustee for sixty something sister

Thanks some some helpful guidance. My understanding is that as trustee I have broad discretion on managing and dispersing funds, including changing the timeline of payout. Setting up a monthly payment automatically may be one solution, as well as paying bills directly. Sis may not have a bank, and c...
by Trapper
Fri Sep 21, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Trustee for sixty something sister
Replies: 22
Views: 2202

Re: Trustee for sixty something sister

My Dad’s thoughts (twenty five years ago) was to not have my sister inherit early and leave her destitute in retirement. I suspect her health is poor. I thought a ten year payout annuity would protect some monies for her children if she passes early, as opposed to a single premium life annuity. I am...
by Trapper
Fri Sep 21, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Trustee for sixty something sister
Replies: 22
Views: 2202

Trustee for sixty something sister

When my elderly mother passes, I will be responsible for distribution of her assets. My father set up that my sister’s portion (let’s estimate to be mid six figures) to be put in a trust with me as trustee to distribute to my sister over ten years. As trustee I can accelerate drawdown, and have wide...
by Trapper
Thu Jul 26, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Service that reviews CCRC financials? [Continuing Care Retirement Community]
Replies: 12
Views: 1256

Re: Service that reviews CCRC financials? [Continuing Care Retirement Community]

Great question, but I have no suggestions. When my parents moved into a ccrc I remember my father being frustrated with reviewing their financial strength. I will note that they have had no issues, but that the complex has been sold twice since they moved in. So what I am saying is even if it is gre...
by Trapper
Mon Jun 25, 2018 5:34 am
Forum: Personal Finance (Not Investing)
Topic: Sudden appearance of multiple buyers real or negotiation tactic?
Replies: 61
Views: 4386

Re: Sudden appearance of multiple buyers real or negotiation tactic?

I found it is common practice for a realtor to canvas previous prospective buyers when an actual offer is on the table. This gives them a chance to make an offer as well as some competition for the seller. When this happened to me, I did what you did. I offered slightly more and let the chips fall a...
by Trapper
Mon Apr 30, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 10727

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

I used to worry about my attractive daughter on the road. When she slipped off the road while driving and got the car stuck I would’ve been worried if I had known. This is how she handled the unexpected breakdown. She called the state police/highway patrol non emergency number (got it by googling) a...
by Trapper
Sat Apr 07, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 7839

Re: Want/need some income in semi-retirement

My mom just hired a gal to be her “elder assistant”. In home help several hours a week cooking, laundry, changing sheets. She will take mom grocery shopping, to appointments, etc. Pays about $20 an hour and 60 cents a mile when she uses her car. She has more clients than she can handle.
by Trapper
Tue Apr 03, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Rate Decrease
Replies: 13
Views: 1582

Re: Auto Insurance Rate Decrease

I was also pleasantly surprised recently that my premium fell about 18%. I am a long time customer (over 15 years) and insure 4 cars and 4 drivers. Two of the four cars have comp and collision with a high deductible. All cars are 2003-2009 models. Always pays to shop around.
by Trapper
Tue Apr 03, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Convert attached carport to Living Space
Replies: 16
Views: 1511

Re: Convert attached carport to Living Space

Given the potential increased value you site, I would pass. I converted a two place carport to two place garage in flyover country doing some work myself (30%) and 70% by contractors. Cost for me was about 20-22k. Some electric, but no plumbing. I am happy I did it, as now I have a shop area and sec...
by Trapper
Thu Mar 15, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 35723

Re: Those with high savings rate: why?

I save, because by having savings, I have more choices in my life.
by Trapper
Tue Mar 06, 2018 6:09 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE UPDATE 9-3-18
Replies: 116
Views: 31762

Re: 2018 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Wow! Looking forward to a great conference.
by Trapper
Thu Feb 01, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Shared real estate fantasy
Replies: 13
Views: 2008

Re: Shared real estate fantasy

25k would buy a lot of carrots!.
On a serious note, I think maybe the structure to buy could be set up as shares that can be bought and sold. This would give some liquidity to the individuals in the group.
by Trapper
Mon Jan 29, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: San Diego for 3-4 Days for a Couple
Replies: 25
Views: 2072

Re: San Diego for 3-4 Days for a Couple

I like the Crab Hut at
4646 Convoy St, Ste 106A, San Diego, CA 92111
Area reminds me of classic southern CA too.
by Trapper
Sun Jan 28, 2018 8:59 pm
Forum: Personal Consumer Issues
Topic: San Diego for 3-4 Days for a Couple
Replies: 25
Views: 2072

Re: San Diego for 3-4 Days for a Couple

I enjoyed touring the Midway (aircraft carrier floating museum) & San Diego Maritime museum.
by Trapper
Thu Jan 18, 2018 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help with HSA with TD Ameritrade - investment choice
Replies: 3
Views: 609

Re: Help with HSA with TD Ameritrade - investment choice

This is what I call "wiggle room". This is in the fund description for SPTM: "The investment seeks to provide investment results that, before fees and expenses, correspond generally to the total return performance of the SSGA Total Stock Market Index that tracks a broad universe of exchange traded U...
by Trapper
Thu Jan 18, 2018 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Help with HSA with TD Ameritrade - investment choice
Replies: 3
Views: 609

Help with HSA with TD Ameritrade - investment choice

I have had a HSA bank account for a couple years and just linked it with TD Ameritrade and transferred money to them. I would like to buy a pure index equity vehicle with the money. Reviewing some other threads, it was suggested that I look at ITOT and SPTM which are ETF's and commission free. When ...
by Trapper
Sun Dec 31, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee HSA account set up help
Replies: 25
Views: 2104

Re: Federal Employee HSA account set up help

If I remember correctly it was the end of January when my HSA account was created. I also have GEHA high deductible through the feds.
by Trapper
Wed Nov 22, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: Open Season - FEHB
Replies: 5
Views: 864

Re: Open Season - FEHB

The OPM site has a plan comparison tool also.
by Trapper
Wed Nov 22, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 15489

Re: Help DW gets fired, but then next day her boss offers her job back

Appears to me that the work environment is caustic and will only get worst if your spouse returns. Fortunately your income and emergency fund can easily weather this while your spouse takes time to reassess away from that pit. My advice would not to return. Not for less money. Not for more money. No...
by Trapper
Mon Nov 20, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 7664

Re: Uber for someone who knows only taxis

I downloaded the Uber Ap to my cellphone. I linked payment to paypal, which just goes to one of my credit cards. Fooling around with the Ap the first time, I was surprised to have summoned a car and driver. I found this out because he texted me saying he was on my street and wanted to know which hou...
by Trapper
Thu Nov 16, 2017 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: RE sale: long close vs. bird-in-hand
Replies: 28
Views: 2560

Re: RE sale: long close vs. bird-in-hand

You are inclined to favor Option A. My suggestion would be to offer A buyers an option to buy the property at the price during the next twelve months for the amount you have agreed. The price of the option is paid now. ( guessing about 50k given what you have wrote). If they close in the twelve mont...
by Trapper
Mon Nov 13, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: FEHB open season and Checkbook.org
Replies: 4
Views: 572

Re: FEHB open season and Checkbook.org

Thanks folks for your helpful advice!
regards
by Trapper
Mon Nov 13, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: FEHB open season and Checkbook.org
Replies: 4
Views: 572

FEHB open season and Checkbook.org

I signed up and paid for online access yesterday November 12. 2017. I signed on this morning November 13, 2017 anticipating being able to review Federal health insurance. I see a lot of "advice catagories". When I click on the Federal health plan it just brings me back to an information screen where...
by Trapper
Tue Oct 17, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Honest Contractor Reviews
Replies: 10
Views: 1039

Re: Honest Contractor Reviews

Barber shop or (if female) beauty salon.
by Trapper
Thu Apr 06, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Packing cubes for travel
Replies: 60
Views: 5770

Re: Packing cubes for travel

I use ziplock bags of various sizes. I am a casual traveler and not too concerned about wrinkles.
by Trapper
Wed Apr 05, 2017 6:59 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 34302

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Please add me to the wait list.
Regards,
Trapper
by Trapper
Tue Apr 04, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?
Replies: 35
Views: 3561

Re: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?

When friends have rented at U-Haul, they ask about moving help and U-Haul has given them names and numbers of guys that do that
by Trapper
Thu Mar 30, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce--Equity Needed
Replies: 6
Views: 1356

Re: Divorce--Equity Needed

Take the equity out when you do a refinance and get the mortgage in your name only. Get a quit claim deed from spouse. This separates future financial entanglement.
by Trapper
Wed Mar 29, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Geico insurance rate increase: 26.24% APY?
Replies: 75
Views: 14320

Re: Geico insurance rate increase: 26.24% APY?

I hope the OP reports back to us on what he did!