CleverNickname

Seems like you might walk away with a million in cash (the real estate), half the value of a house, and $64k in 401k. That ain't half bad, I reckon.

He denies he has any mental illness at all, and has never been diagnosed. I contact CFV, as I could sponsor his rent, but they want 3 years documented homelessness and technically he is not yet homeless.

So my brother is probably schizoaffective. He is an adult, recently (end of last year) moved in with my mom. But I needed to move her into assisted living (cognitive decline). She needed more care, and frankly she was tired of him being around. He rants, as such people do. Sometimes I had to threaten to call the cops, one time I actually did. She has money, he has none. He would like to stay with her and be her caretaker. I wish that was possible but frankly it is not. Recently he said terrible things about my wife and child, such that I am tempted to say he's burned his last bridge. But I am also my mothers keeper, and I assume she has some compassion. She wanted to boot him from her house months ago, but always let him back in. When I kick him out of her house (I have power of attorney, eventually the house musy be sold), he will almost certainly end up homeless. Mom has money, but not an infinite amount. My idea is to give him her car (2019 outback with 20k miles, back folds flat) and maybe $800 or $1000/mo for spending money. More generously I could buy him a cheap condo (San Antonio, El Paso, Houston) and keep a roof over his head. But I've been asking him about that for 8 months and he never acknowledges the option. What would you do?

State worker here. Next paycheck has an across the board increase. Always a great time to bump up 457/401k contribution, and to add an extra $100 to whatever loan has the highest interest rate (if one exceeds the 4.5% vanguard cash plus is paying out today).

I would be afraid more modern ammo would blow my p38 to pieces. I did inherit a nagant I've shot. It wasn't worth very much, so I didn't feel bad about it. I also got some black powder pepper boxes. Real pirate vibes. If these look familiar, I think I posted the same pics yeara ago in this or a predecessor board.

• winchester 1885 trainer 22 lr (w/ peep scope) • colt army w/ powder keg • sharp new model 1863 • p38 mauser with leather holster amd 2 mags (1944) • Hungarian Femaru P.Mod.37, luftwaffe wehrmacht • Remington model 95 derringer • brevette derringer

if whole life is so great, why are agents generally opposed to the DOL fiduciary standard rule, and why do state regs only apply suitability standards to annuity sales amd not cash value life policies?

any recommendations for selling antique firearms on consignment? Austin would be great, but I could travel.

is their something like a cooperative Crank? Doesn't have to be Clank, but my family game night prefers coop games.

ultimately I think you not only have to spreadsheet to plan for savings, but you need to do a good budget breakdown. That way it is easier to have alt numbers that don't include $3k for travel baseball and whatever obscenity two twwn drivers cost.

fwiw there is "A Place for Mom" and Oasis Consultants. I guess us dudes just don't live long enough. APfM seems a but like an apartment rental service, they get a kickback if you rent. But they also know all the places and their strengths & weaknesses.

Yeah, still haven't opened a trust, but I may do it once I get mom moved. I did confirm that I could make a trust with the durable POA we got, so that's good. I have gone to 2 of her banks and dropped off the POA and can now move money should I need to. Seems like every week has been a doc visit or a assisted living tour. To be honest, she's really enjoyed going out. I think that being mostly alone at home was way too unstimulating. We have picked a place, paid the fee, and are gathering stuff to move. The big day will be in a week or two. Have ordered new bed, mattress, linens, etc. Took her to Target for some stuff today. It's a lot like packing of a kid to move into a dorms, and I think to her similarly exciting/scary. I'm not totally sure she is able to fully pack for herself, so that might be a day or two itself. But I keep telling her (amnd myself) that we will keep the hiuse for a but, so we can go back and forth and get stuff as she realizes what would be nice to have on hand. Hopefully all goes well with the move. I'm pretty sure she will enjoy having people around. And I'll feel better she is getting better nutrition and getting checked up on. Lots of things didn't surprise me about the cognitive assessment, but one thing that did was that she could not recall how to call fire/ems/police. I mean... if she can't call 911, she needs to be somewhere. I also wonder about a medicaid facility being crap, but I think part of the calculation (self delusion?) is that by the time a dementia patient is on 24/7 nursing, they are just a shell. The spark is largely gone.

Mom moving to assisted living. Decent 3/2 in a good neighborhood in Austin area. Rent probably $2800 on maybe $1000 taxes/insurance. Sale would net her $500k (maybe as low as $450k). Sell or rent, and hope prices go back up another $100k?

A hole is like a hole in the ground you pour money in. I bet I'm over $1k and pushing $2k.

Made another trip, this time with my new friend: Maybe hard to tell, but I took out another 6 or so buckets, mainly to straighted up the walls. Handheld demo thing worked amazing. Small chisel broke apart rocks just fine, and it is much lighter than the 40 lb jackhammer. I was able to put the ladder on the lower side of the hole. Raised it two rungs.

State profs pay into TRS, the same teacher pension teachers get. They do also pay into SS which is a real problem for most teachers in Texas. (most school districts don't pay into SS, and that really hurts those retirees). ERS and TRS has the same formula: Rule of 80: you can retire when your age + years of service = 80. There are some newer limits for newer TRS hires that penalize retiring before your 60s, but many folks are grandfathered. The pension pays 2.3% x [highest avg of past X years of service]. So you can't just be in a higher paying position for 1 year. I forget if it's the highest 3 or 5 yrs. But still, take that vice provost position for the final years to juice things (or for a teachers take that AP gig). So basically a TRS retiree making $100k with 30 yrs experience would get $69k. No COLA. A little more complicated than that since most would take the option for that to pay your spouse until they die, should you die first. My spouse amd I are about the same age, so I think we would get about 94% of that figure (just a basic actuarial calculation). You pay income tax on that pension payout, but not SS or further pension contributions. Since you pay about 10% of the gross pay into TRS, and avoid 6.2% FICA/OASDI and 1.45% Medicare, the net paycheck is not that much less than the $100k making before retire. Less, but maybe closer than yiu may think.

I have a Texas ERS pension. But workers starting since 2021 or 2023 are not eligible to be in the old Rule of 80 2.3% salary x years plan. It's defined contribution now. I have concerns about how that is impacting state recruiting, but for now the real impact is just the dact that Austin cost of living rapidly outstrippied salary since 2011 or so. Even old heads like me have to be aware the pension has no inflation adjustment, and folks who never saved outside the pension may have real problems down the road.

fwiw Nevadas pension entire investment investment team is one dude who picks ETFs. He beats the shit out of tons of huge pension teams routinely.

I had not thought about "just taken it early and save it.' But doesn't that stream of money go up a healthy 7-8% (+COLA) each year you wait? That's not nothing.

1. Final Depth: I would like to do 20-22ft. But I dunno, maybe I'll want to keep going. The book advices 2.5x the height of a side tunnel as overburden. So a 5' side tunnel would need 12.5'. Call it 18', plus another 4 or 5' of insurance. 2. I have an eye out for a hanging hoist with remote. They are not very expensive ($140 or so?) but I also don't want one that is too slow. I can run power over (just and extension cord for now, but I could run some conduit from the pole I guess). 2. ventilation - I have an elbow and 4" vent come in at about 18" in one short side. My plan is to eventually run 4" pvc down a corner on and do a little forced air.

I think you nailed it. The key is being a good guesser at your terminal age. That ain't really possible, but if you knew it there would be a "correct" answer. If you got a bad ticker, the do it early. If you keep in good shape and have lucky genetics, plan on exceeding the median. I will have an ERS pension and my wife a TRS pension. Neither have an inflation kicker, so I just try to think of our SS as making the pensions more or less indexed.

I will get a thermometer. I've been keeping just a screen on top (may build some kind frame with 1/4 hardware cloth over bug screen). With a big 3/4 plywood on top, it was trapping to much moisture. I would guess down at the bottom it's the mean of the past days temperature. So this morning it was high 80s or so. By the time I left it was 96 outside, but a little cooler inside, even with the fan. But still hot. I do think there is a earth insulating and lagging effect, but without a lid I think the ambiet air temp is the dominant factor.

Went up Saturday night, got things ready (ran the extension cord, put up work light, set up pully, let down jackhammer, set up a fan). Got an early start Sunday. Worked pretty hard, 630 to 1130. About my limit. Got out 32 buckets of dirt/rocks, and another 6 buckets of just rocks. Hand clenched up for a good 5 minutes after the 40th or so 12' haul of ~40 lb of stuff. So now one side is down to 13'. I still need to get the sides straight, and realistically that's a whole trip right there. I want to get a more portable rock hammer. I think it would make chiseling out the rocky layers easier. Once I clean up that side (space enough for the 4x6 and the 2x shoring - leaving 48x30" ID clear), I can turn the ladder around, and probably raise it a rung or two. Once I get the other side down to 13' it will be time for another set of shoring. I've got the big lumber, but I need 4x 5/8 60" threaded rod, and some angled slot (holds up the 2x lagging). I still have a little lagging I need to finish up and the second level. I like to buy the next set of 4x6 so I can drill the proper 3/4 holes so that they line up well. The rod is pretty forgiving honestly - thank goodness because even with a manual drill press my holes aren't perfectly straight down. People asked about what I do with the dirt. It is an issue! Sometimes I separate the rocks a bit, and use them for erosion control around the ranch. I have an old pile of dirt from when I started. The hole is in the background. A while ago I decided to make use of the dirt. So I stacked some concrete blocks and am making a ramp for the pickup. That way I can load a tiller or whatever a little easier.

fwiw... Taking my mom for a cognitive assessment this week. Probably end her driving. Looking at independent living and assisted living options. She loves one place (awesome, amd a huge milestone for her ro be willing to give up loving in her house), 1 bedroom with private balcony. But I worry they just want our initial fee and will push her to assisted living (studio). Doesn't need help with ADLs, but memory is shot. She didn't like the place here thay had all 3 of independent living, assisted living, and memory care. Her memory sucks, but she's not one to just take a runner or wander. We shall see.

Little ranch trip. sets every 48" middle to middle. Works better if it's 60" so I have room to tighten bolts.