Search found 138 matches

by Trapper
Sat Apr 07, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 6268

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: 1115

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: 1002

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: 187
Views: 18688

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 SOLD OUT
Replies: 109
Views: 18440

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: 1802

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: 1597

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: 1597

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: 332

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: 332

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: 1565

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: 741

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: 13270

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: 6471

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: 2225

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: 439

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: 439

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: 862

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: 5277

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: 31255

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: 2884

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: 1253

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: 11247

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: 11247

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: 673

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: 673

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: 673

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: 4313

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: 4422

Re: Favorite survival books?

Lucifers Hammer
by Trapper
Fri Feb 10, 2017 7:38 pm
Forum: Personal Consumer Issues
Topic: Dumpsters
Replies: 15
Views: 1938

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: 31546

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: 9374

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: 9374

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: 9374

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.
by Trapper
Sat Jan 21, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Charges vs Contract Price - Non Covered Work
Replies: 83
Views: 4993

Re: Medical Charges vs Contract Price - Non Covered Work

Maybe the medical practice knows that patients with no insurance are very unlikely to pay their bill. They might have figured out that an insurance adjusted payment of $150 is equivalent to a $550 nonpayment write off for the business.
by Trapper
Sat Jan 21, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Medical Charges vs Contract Price - Non Covered Work
Replies: 83
Views: 4993

Re: Medical Charges vs Contract Price - Non Covered Work

I am learning a lot from this thread, and appreciate everyone's input and perspectives
by Trapper
Fri Jan 20, 2017 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Charges vs Contract Price - Non Covered Work
Replies: 83
Views: 4993

Re: Medical Charges vs Contract Price - Non Covered Work

Strafe, the smalls claims action would be against the provider, not the insurance company. It would only require a filing fee to initiate. Provider would probable use attorney . It would be a nuisance for them to defend. I agree with you that it would probably be unsuccessful.
by Trapper
Fri Jan 20, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Charges vs Contract Price - Non Covered Work
Replies: 83
Views: 4993

Re: Medical Charges vs Contract Price - Non Covered Work

You sound stirred up and I don't blame you.
Given the scenario you outlined you could pay the $550 and file a small claims court action for $400. You would most likely lose, but it is a way for David to poke the Goliath.
by Trapper
Sun Jan 08, 2017 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Purchase of vacation home from friend
Replies: 3
Views: 650

Re: Purchase of vacation home from friend

I can afford it. I consider it a want that will probably hold it's value unlike many toys that only depreciate. Location is 40 miles from my residence, so easy access.
by Trapper
Sun Jan 08, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Purchase of vacation home from friend
Replies: 3
Views: 650

Purchase of vacation home from friend

I have a friend who has approached me regarding a hobby farm/hunting property that her Dad owns. He is getting on in years and is thinking of selling. What approach to determining a fair price should be used? I am thinking of suggesting we get a professional appraisal and go from there. Realtors hav...
by Trapper
Wed Dec 28, 2016 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Deluxe on sale at Amazon
Replies: 49
Views: 7462

Re: Turbotax Deluxe on sale at Amazon

Amazon sent me an email that they do not do post purchase price adjustments except for TV's.
I did manage to cancel the order at the higher price and reorder at the lower price and saved $15. I will review the links provided in this thread for more information. Appreciate the boglehead input.
by Trapper
Wed Dec 28, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Deluxe on sale at Amazon
Replies: 49
Views: 7462

Re: Turbotax Deluxe on sale at Amazon

Thanks Mikep! I'll try it!
by Trapper
Wed Dec 28, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Deluxe on sale at Amazon
Replies: 49
Views: 7462

Re: Turbotax Deluxe on sale at Amazon

Thanks for posting. If I had waited a couple days I would have saved fifteen bucks on my Amazon purchase of Turbotax premier. I guess this is one of the reasons I am not an Amazon groupie/cheerleader.
by Trapper
Tue Dec 27, 2016 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax 2016 purchase source
Replies: 91
Views: 15780

Re: Turbo Tax 2016 purchase source

Partner, you are correct, one free state download. State return must be filed on paper or you need to pay $19.99 for each state e-file.
by Trapper
Tue Dec 27, 2016 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax 2016 purchase source
Replies: 91
Views: 15780

Re: Turbo Tax 2016 purchase source

Just purchased Turbotax 2016 premier on CD from Amazon today.
Five free Federal e-files and one state. Additional (same) state files would be via paper return. $68 and change + state sales tax and I chose free and slow shipping.
Maybe this is pricey for some, but decent price for me.
by Trapper
Sat Dec 24, 2016 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Managing my mother's portfolio
Replies: 16
Views: 2407

Re: Managing my mother's portfolio

I think I would consider using your power of attorney to stop the advisor from trading on the account.
by Trapper
Mon Dec 19, 2016 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Ne er-do-wells coming out of woodwork
Replies: 32
Views: 7517

Re: Ne er-do-wells coming out of woodwork

Thank you posters for all the thoughtful responses. Many good points being made.
by Trapper
Sun Dec 18, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Ne er-do-wells coming out of woodwork
Replies: 32
Views: 7517

Re: Ne er-do-wells coming out of woodwork

Thank you for the replies posted so far. Although in my opinion my mom is mentally declining, my mom is certainly not to the point of legal incompentence. She recognizes the need to have sufficient assets to provide for herself. There is a will in place. My more pointed concern is if she renames ben...
by Trapper
Sun Dec 18, 2016 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Ne er-do-wells coming out of woodwork
Replies: 32
Views: 7517

Ne er-do-wells coming out of woodwork

How do adult children handle their elderly parents (Mom) when distant relatives or acquaintances start dropping by their place for a visit and Mom then decides to leave the visitor a large amount of her estate to them? This has happened twice with my mom that I am aware of, and so far she has not ac...