Search found 153 matches

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: 4659

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: 713

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: 1584

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: 713

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: 11281

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: 1584

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: 1584

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: 2185

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: 2185

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: 2185

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: 2185

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: 1225

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: 4370

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: 10294

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: 7665

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: 1553

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: 1486

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: 35094

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: 30271

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: 1999

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: 2035

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: 2035

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: 576

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: 576

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: 2004

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: 848

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: 15405

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: 7463

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: 2541

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: 554

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: 554

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: 1027

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: 5716

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: 33893

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: 3434

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: 1348

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: 14050

Re: Geico insurance rate increase: 26.24% APY?

I hope the OP reports back to us on what he did!
by Trapper
Mon Mar 27, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Geico insurance rate increase: 26.24% APY?
Replies: 75
Views: 14050

Re: Geico insurance rate increase: 26.24% APY?

I would call two competitors, say Progressive and an Independant Agent and ask them for a quote with the current coverage you have. If you find the same coverage with another company for less,go for it and switch. Should take less then an hour to shop it.
by Trapper
Sat Mar 04, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Use TSP distribution to fund ROTH IRA in retirement
Replies: 6
Views: 752

Re: Use TSP distribution to fund ROTH IRA in retirement

Thanks JW-Retired. The IRS publication link you listed clearly outlines what I needed to answer my question.
by Trapper
Sat Mar 04, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Use TSP distribution to fund ROTH IRA in retirement
Replies: 6
Views: 752

Re: Use TSP distribution to fund ROTH IRA in retirement

Thanks Flobes. I appreciate your response.
It was for the most part "earned income" that I placed in the TSP tax deferred account.
Can't fault a guy for trying!
by Trapper
Sat Mar 04, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Use TSP distribution to fund ROTH IRA in retirement
Replies: 6
Views: 752

Use TSP distribution to fund ROTH IRA in retirement

I am retired and do not work. I choose to do "full distribution" of my TSP account where I choose the monthly amount. I can change the monthly amount in the fall of the year for the upcoming year. I received a form 1099-R from the TSP and this amount is fully reportable and taxable as income. This w...
by Trapper
Wed Mar 01, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Advise 98 yr old with 95% equities?
Replies: 33
Views: 4548

Re: Advise 98 yr old with 95% equities?

If your Dad's preference tilts against your preference of of more balanced allocation and you anticipate inheriting...
You can adjust adjust your own portfolio to a larger bond mix until you are are comfortable with the larger equity position your Dad is comfortable with.
by Trapper
Tue Feb 28, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: Favorite survival books?
Replies: 41
Views: 4890

Re: Favorite survival books?

Lucifers Hammer
by Trapper
Fri Feb 10, 2017 7:38 pm
Forum: Personal Consumer Issues
Topic: Dumpsters
Replies: 15
Views: 2091

Re: Dumpsters

My experience sounds exactly like what jimmac9 told you but on the receiving end. I have rented dumpsters twice. Once for debris from my roof replacement, and the second time for a house that I had to almost gut. Thirty days use to get it filled. You call and they get it. Knowing I had lots of extra...
by Trapper
Mon Feb 06, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 114
Views: 40473

Re: WSJ Digital Subscription - a bargain!

Well said Good Listener. I am in the same boat with you. I am even going to let my last magazine (kiplingers) expire when it comes up for renewal.
by Trapper
Mon Feb 06, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Why Wouldn't You Want International Stocks?
Replies: 96
Views: 10010

Re: Why Wouldn't You Want International Stocks?

Triceratops, I think we misunderstand. US multinationals absolutely expose themselves to foreign legal systems/constraints/opportunities when they take advantage of off shore possibilities. HappyIsland, I base my opinion on the US legal system on personal experience when I have had to plead my case ...
by Trapper
Mon Feb 06, 2017 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Why Wouldn't You Want International Stocks?
Replies: 96
Views: 10010

Re: Why Wouldn't You Want International Stocks?

Triceratop, if I understand your question... Yes, I see it as a positive. The US legal system allows US based multinational companies, many who are represented in index funds to pursue business opportunities abroad without subjecting the stock holding owners to less transparent non US legal systems....
by Trapper
Mon Feb 06, 2017 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Why Wouldn't You Want International Stocks?
Replies: 96
Views: 10010

Re: Why Wouldn't You Want International Stocks?

Why don't I want international?
1. Currency risk
2. Current US indexes have international exposure
3. US legal system, while flawed, is still the best in the world.
I have no issues with those that disagree.