Search found 212 matches

by Trapper
Sun Feb 16, 2020 10:37 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 408
Views: 33358

Re: Coronavirus (Consumer Issues) How you are preparing?

I tripped the trigger on upgrading my IPhone 6 to a newer model. Been thinking of upgrading for six months for various reasons and think the Conoravirus may impact Apple’s ability to fulfill orders.
by Trapper
Sun Feb 09, 2020 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: GEHA HSA contributions in H&R Block
Replies: 15
Views: 719

Re: GEHA HSA contributions in H&R Block

You don’t enter/report the GEHA pass through contributions to the HSA.
You don’t deduct them either.

Spirit Rider, please correct me if I am wrong.
by Trapper
Wed Jan 15, 2020 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to find an estate planner...
Replies: 13
Views: 1187

Re: How to find an estate planner...

I would start with “one off” professionals in your Mom’s circle. Think asking her CPA, her credit union or bank manager, or even medical professionals for a name. As your Mom ages and you shoulder more and more responsibilities, you may want you use your network locally to engage the professionals w...
by Trapper
Mon Jan 13, 2020 5:10 pm
Forum: Personal Investments
Topic: Should I Make This Portfolio Move Prior to November's Election?
Replies: 9
Views: 586

Re: Should I Make This Portfolio Move Prior to November's Election?

Can’t predict the market.
In before the lock.
by Trapper
Sat Dec 28, 2019 10:26 am
Forum: Personal Investments
Topic: Transfer TSP to Schwab [had 20% withholding]
Replies: 18
Views: 1204

Re: Transfer TSP to Schwab [had 20% withholding]

I think I had to open a “rollover IRA”at Schwab to have the TSP money move directly with no withholding.
Call Schwab and ask. Their customer service is very good.
by Trapper
Fri Dec 27, 2019 2:00 pm
Forum: Investing - Theory, News & General
Topic: Are we getting spoiled by the long bull market?
Replies: 108
Views: 8974

Re: Are we getting spoiled by the long bull market?

Having lived through the 1999 and 2008 meltdowns, I know pain.
My opinion is that those investors that haven’t felt a market correction may have quite a bit of false bravado currently.
I have my asset allocation, and sleep good. I hope others have the fortitude to hang tough when needed.
by Trapper
Fri Dec 27, 2019 1:11 pm
Forum: Personal Investments
Topic: Mail from Vanguard - Account could be turned over to state due to lack of interest
Replies: 97
Views: 9175

Re: Mail from Vanguard - Account could be turned over to state due to lack of interest

I don’t mind being told I should switch to decaf! I do appreciate the comment from Wiggums that the customer service rep is reading from a script. In my small way of thinking, I thought after receiving the letter from Vanguard and contacting them, I would have received the following response. “ let ...
by Trapper
Fri Dec 27, 2019 2:02 am
Forum: Personal Investments
Topic: Mail from Vanguard - Account could be turned over to state due to lack of interest
Replies: 97
Views: 9175

Re: Mail from Vanguard - Account could be turned over to state due to lack of interest

Vanguard continues to refuse to acknowledge my accounts are not dormant.
So much for “stay the course”.
If you leave money with Vanguard they will take it from you and turn it over to the state.
I can’t get Vanguard to acknowledge I have signed on to my accounts.
What a nightmare.
by Trapper
Thu Dec 26, 2019 6:09 pm
Forum: Personal Investments
Topic: Mail from Vanguard - Account could be turned over to state due to lack of interest
Replies: 97
Views: 9175

Re: Mail from Vanguard - Account could be turned over to state due to lack of interest

Thought I would post an update since I spoke to Vanguard customer service this morning. Vanguard refused to identify the letter writer where they threaten to turn account over to the state (no surprise). Their representative refused to turn me over to the CEO work group. Evidently Vanguard must cont...
by Trapper
Wed Dec 25, 2019 4:28 pm
Forum: Personal Investments
Topic: Mail from Vanguard - Account could be turned over to state due to lack of interest
Replies: 97
Views: 9175

Re: Mail from Vanguard - Account could be turned over to state due to lack of interest

“Thank you for taking the time to contact us. A new law impacting residents of your state requires that we send letters to clients currently receiving statements electronically. The unclaimed property law for your state mandates that these letters must be sent on an annual basis. I regret any confus...
by Trapper
Wed Dec 25, 2019 12:20 pm
Forum: Personal Investments
Topic: Mail from Vanguard - Account could be turned over to state due to lack of interest
Replies: 97
Views: 9175

Re: Mail from Vanguard - Account could be turned over to state due to lack of interest

I have routinely logged on to Vanguard and still received their unsigned letter threatening to turn my account over to the state. I put some thought into this, and decided moving money to another brokerage is best. Why? Don’t send me inaccurate mailings. ( ie: mail stating I haven’t signed in). Don’...
by Trapper
Wed Dec 25, 2019 10:40 am
Forum: Personal Investments
Topic: Mail from Vanguard - Account could be turned over to state due to lack of interest
Replies: 97
Views: 9175

Vanguard letter

[Merged into ongoing discussion — mod oldcomputerguy] So.. I received a letter (dated December 2019), signed by, “Vanguard Retail Investor Group” threatening to turn my accounts over to the state for lack of activity. This trips my trigger. Who at Vanguard sent this? I have signed on to the account...
by Trapper
Wed Dec 18, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 179
Views: 26978

Re: Why should FEHB members buy Medicare Part B?

I will be looking at the same situation in about five years. My thoughts are to skip Medicare B. What I am unclear about is how will FEHB (in your situation GEHA) reimburse providers? At the Medicare reimbursement schedule? At the GEHA contract rate? Do you know which/how, and if it will impact prov...
by Trapper
Tue Nov 26, 2019 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Career Decision [Federal employee]
Replies: 18
Views: 1893

Re: Career Decision [Federal employee]

I retired from a lightening rod agency after a tough career. My recommendation is hang tough and be a willow (bend, don’t break). My other recommendation is somewhat unconventional, but I’ve seen it work. Peddle your IT skills to an agency you want to work for, or have a passion about. Law ? - Justi...
by Trapper
Fri Nov 22, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Auto Auctions ?
Replies: 3
Views: 651

Re: Auto Auctions ?

When looking for a car for one of my teenagers I went to an auto auction with my trusted mechanic who is a licensed dealer. Auction was only open to dealers. I was unimpressed with the inventory and prices. Low knock down prices had the seller withdrawing the car to go back on the lot until the next...
by Trapper
Sun Nov 10, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: Adding Second Phone to Cellular Plan, ??
Replies: 5
Views: 435

Re: Adding Second Phone to Cellular Plan, ??

I seem to remember when my mom needed her cellphone replaced that she needed to buy it from her provider Consumer Cellular.
Before you buy a phone from outside, give them a call to ensure you will be able to add it to your Consumer Cellular plan.
by Trapper
Fri Nov 08, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: Car folks! Bottom of depreciation curve right now?
Replies: 20
Views: 3678

Re: Car folks! Bottom of depreciation curve right now?

For those with shallow pockets:
Toyota FJ Cruiser 4x4
2007-2014
Built in Japan
Bonus if it is manual transmission
Bonus if voodoo blue.
Shop carefully and buy a southern or southwest car. Coastal, northeast, and upper Midwest cars have terrible undercarriage rust.
by Trapper
Fri Nov 08, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Should I Travel ot Ecuador?
Replies: 49
Views: 4074

Re: Should I Travel ot Ecuador?

I have friends that just returned from Equador and the Galapagos four weeks ago (October 2019) and they had a blast and no issues. It was a bucket list trip for them. I say go for it.
by Trapper
Fri Nov 01, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: Where can I find iphone deals/discounts?
Replies: 22
Views: 2580

Re: Where can I find iphone deals/discounts?

Always liking a discount and in the market to update my I-phone I followed the advice above: “Veterans and Military pricing is available to Current and Veteran members of the US Military, National Guard and Reserve Immediate family members who reside in the same household https://www.apple.com/us_ep...
by Trapper
Fri Nov 01, 2019 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Financial Statement Template? Meeting with Advisor...
Replies: 29
Views: 2141

Re: Personal Financial Statement Template? Meeting with Advisor...

Ask the “advisor” for his template and his information, “They ask for a list of assets, liabilities, statements, etc in advance of meeting.”
You can then format yours accordingly, and see how he handles his personal assets.
by Trapper
Tue Oct 15, 2019 7:11 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 112
Views: 9759

Re: FEHB Open Season 2019

Good question Victoria. I will be following thread for an answer. I expect to remain with GEHA, but always like to explore options.
by Trapper
Fri Oct 11, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 73
Views: 6485

Re: Replace water heater just because it's old?

I replaced my water heater eleven years ago and still think of it as “newer”.
I would not replace it now.
by Trapper
Sat Oct 05, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: Addressing complicated answer to Global Entry question "Have you ever ... had charges that were ... removed"?
Replies: 11
Views: 2294

Re: Addressing complicated answer to Global Entry question "Have you ever ... had charges that were ... removed"?

Retired Fed here who has Global Entry. I assume they had access to my background. I assumed they had access to my background investigations. Requesting your OPF through a FIOA will take six-twelve months. ( at least it did when I needed mine. Given your scenario outlined, I would bring it up just as...
by Trapper
Wed Oct 02, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 419
Views: 65627

Re: Improving the TSP [for current participants]

Kentucky? Does anyone know if TSP withdrawals are treated the same as your Federal Pension in Kentucky for income tax purposes?

In Kentucky, the portion of your Federal pension earned prior to 1/1/98 is exempt from taxation, so only the portion accrued after is taxed.
by Trapper
Fri Sep 13, 2019 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 495
Views: 56342

Re: Selling home- Demanding Buyer (Repairs)

Gardener, I almost commented last week when you chose to reduce the price by $5000 or about 1% of the asking price. When I am looking to purchase, 1% is meaningless. Now you meet with your realtor and the new price you agree on is $450k. If I had been speaking to my realtor I would have been pressin...
by Trapper
Fri Sep 13, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 4610

Re: Best Leaf Blower?

I’ve found a backpack blower a pleasure to use as compared to a handheld model.
I use a Stihl two cycle gas model.
I often run it several hours at a time to clear my well shaded yard.
by Trapper
Wed Sep 04, 2019 8:37 am
Forum: Personal Investments
Topic: Any 1811 on this forum???
Replies: 11
Views: 1605

Re: Any 1811 on this forum???

Get and read Dan Jamison’s guide on his website. He is a retired Bureau agent and CPA.
His information was accurate and very helpful.
The forum members here are awesome. If you post specific questions you will get some great information.
by Trapper
Fri Aug 30, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Trust beneficiary is “unbanked”
Replies: 28
Views: 2084

Re: Trust beneficiary is “unbanked”

Thanks all who posted helpful advice. I certainly will ask our attorney about setting up an account in the trusts name that the beneficiary can access or pay for life expenses with a debit card linked to the account. Annuitizing some of assets may also be an option.
by Trapper
Thu Aug 29, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Trust beneficiary is “unbanked”
Replies: 28
Views: 2084

Re: Trust beneficiary is “unbanked”

Thanks Gill, but involving myself to the extent of bill paying on their behalf is more than I am willing to shoulder.
by Trapper
Thu Aug 29, 2019 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Trust beneficiary is “unbanked”
Replies: 28
Views: 2084

Re: Trust beneficiary is “unbanked”

It is not a special needs trust. The amounts we are discussing while significant, are too small for professional management.
At this point, monies are managed for the benefit of my mother. At her passing, this will be my issue ( & with attorney guidance) to handle.
Annuitizing may be an option.
by Trapper
Thu Aug 29, 2019 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Trust beneficiary is “unbanked”
Replies: 28
Views: 2084

Trust beneficiary is “unbanked”

Trust beneficiary is an adult who does not adult well. Over the past year, I have sent checks for relatively small amounts (in the couple of thousand range) and they are cashed at what looks like “check cashing places”. Beneficiary is unbanked, and although I have not dug into their financial histor...
by Trapper
Tue Jul 02, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: .
Replies: 34
Views: 2894

Re: Shower room with Window but no Exhaust Fan: Mildew Prevention

I had the same problem. I bought a small countertop fan that I plugged in to an outlet in the bath that comes on with the light switch. It runs when the light is on and I leave it on for 10-15 minutes after showering. No more mildew for me, and before it was getting bad. This was a twenty dollar sol...
by Trapper
Wed Jun 19, 2019 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to ensure POA is acting in best interest of grantor?
Replies: 65
Views: 4340

Re: How to ensure POA is acting in best interest of grantor?

Scorcher31, a DPOA is not in place of decision making authority, but can be described as an overlay, where both the person who grants the DPOA and the person who has DPOA has ability to make decisions.
Replacing decision making authority is granted by a court after determining incapacity.
by Trapper
Tue Jun 18, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: How to ensure POA is acting in best interest of grantor?
Replies: 65
Views: 4340

Re: How to ensure POA is acting in best interest of grantor?

Have you spoken to your Mom about some of these concerns? Specifically, does she cash her social security check, or where is it direct deposited? Mention your review of her accounts shows some large expenses and ask how she used the money. Can your Mom answer these questions? Maybe with a little pro...
by Trapper
Mon Jun 10, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 495
Views: 56342

Re: Selling home- Demanding Buyer (Repairs)

Veindoc said, “Any reason not to just do it yourself - If he can get it done on the 15th? If buyer re-negs then it’s done and ready to list.” “Sounds reasonable. Instead of credit you can lower purchase price as previously suggested reducing realtors commission which saves you 6% of the 10k or so an...
by Trapper
Fri Jun 07, 2019 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 495
Views: 56342

Re: Selling home- Demanding Buyer (Repairs)

I believe you are making several poor decisions. 1. Negotiating a price on the septic and leaving decision in hands of buyer when you have no idea the scope and cost of repair. 2. Agreeing to a financing contingency. Four weeks from now I can see your "buyer" will use failing to get financing as ano...
by Trapper
Tue May 21, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Fair mortgage rate with great credit and 40% down payment?
Replies: 29
Views: 1519

Re: Fair mortgage rate with great credit and 40% down payment?

My mortgage lender quoted me 4.25/no points today. Closing costs vary by region.
I have similar credit score and 20-25% down.
I think you are getting a fair deal.
by Trapper
Thu May 09, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: Best practices - Car radio/CD player replacement
Replies: 13
Views: 946

Re: Best practices - Car radio/CD player replacement

All three of your listed choices are good. The last two stereos the kids put in their cars were done by a local shop with a very good reputation. One thing I noted was that this local shop did the breathalyzer installs for the customers under court requirements. I figured a shop that does this type ...
by Trapper
Mon May 06, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Father's POA Issue: Who has POA, successor or attorney?
Replies: 29
Views: 3420

Re: Father's POA Issue: Who has POA, successor or attorney?

afan beat me to it. DH needs to audit your fil’s accounts going back a few years (at least).
by Trapper
Wed Apr 17, 2019 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Universal Life Policy Lincoln Financial - what to do?
Replies: 14
Views: 1549

Re: Universal Life Policy Lincoln Financial - what to do?

I have requested a estimate from Lincoln.
The difficulty started a few years ago when the costs for the life insurance premiums was adjusted up.
I appreciate the imput, and feel I am asking the right questions to make a decision.
by Trapper
Tue Apr 16, 2019 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Universal Life Policy Lincoln Financial - what to do?
Replies: 14
Views: 1549

Re: Universal Life Policy Lincoln Financial - what to do?

Thank you for your review Stinky.
No need for insurance at this point.
When I checked the life expectancy calculator on the social security site, it shows a expected additional 4 years, but half will be less, half more.
by Trapper
Tue Apr 16, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Universal Life Policy Lincoln Financial - what to do?
Replies: 14
Views: 1549

Universal Life Policy Lincoln Financial - what to do?

In the late 1990's my father bought a Life Insurance Policy with a lump sum of money. I believe it was about 100k, but that is water under the bridge now. The policy insures my mother who is now 93 years old. The death benefit is 117K. For many years the policy investment side paid for the insurance...
by Trapper
Thu Apr 11, 2019 4:48 pm
Forum: Investing - Theory, News & General
Topic: Navy FCU 3.25 17mo CD
Replies: 5
Views: 1275

Navy FCU 3.25 17mo CD

The thread on IRA CD’s rate got me looking and I see that Navy FCU has a regular certificate deposit (non-IRA) offering of 3.25 apy for 17months. Only hitch I see is that the individual limit is $50,000.
by Trapper
Thu Apr 11, 2019 4:01 pm
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 121
Views: 29217

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION OPEN ANNOUNCEMENT

Thanks Mel for organizing! I am looking forward to seeing everyone again this year!
Trapper
by Trapper
Wed Mar 06, 2019 8:40 pm
Forum: Personal Consumer Issues
Topic: Progressive Homeowner's Insurance?
Replies: 9
Views: 1025

Re: Progressive Homeowner's Insurance?

I spoke with them a year or two ago. Progressive did not underwrite the policy, but referred me to an insurance partner for the homeowners.I was a little uncomfortable with this. In the end it didn’t matter, because the quote was not competitive with my current home policy. Give them a call and see ...
by Trapper
Mon Feb 25, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Would you fix cosmetic car damage?
Replies: 35
Views: 3160

Re: Would you fix cosmetic car damage?

Cars on the road with body damage attract the attention/notice of law enforcement.
Just say’in...
by Trapper
Fri Jan 11, 2019 2:41 pm
Forum: Personal Investments
Topic: 17 mo CD
Replies: 1
Views: 394

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: 1084

Re: Probate after-action report: Oregon

Thank you for taking the time to post.
Good and useful information.