On bumper pull trailers you absolutely must load the trailer tongue heavy like 10% of the total load. Don't know about goosenecks.
If you don't you will probably wind up in an accident and could take adjacent vehicles with you. Was following a friend one day, accidentally as we were coming home from work. He was coming down a hill of about 25 degrees, on an interstate highway, and at the bottom was a bridge. Obviously the bridge was level. He had several concrete culverts of about 2 ft in diameter by 4 ft long, loaded on a 16' bumper pull,tandem, trailer (like most folks buy)and I could see that he was loaded tail heavy. I had just come upon him and was too far back to warn him.
The instant the tandem hit the bridge the trailer started jacknifing side to side to the point where the trailer bashed in both sides of his truck and easily crossed over the hammer lane....thank goodness no cars were there. You just can't believe how fast a trailer can do that unless you see it with your own eyes.
When loading tractors, I drive the tractor on the trailer (tandem) and watch the arse end of the truck. When I see 2-3 inches of settling I stop. Pay little attention to just where it is in relation to the trailer axles.
If loading a light tractor, I just drive it all the way forward. Tongue weight is 500# max on my hitches.
On bumper pulls, what really works great is the tension system that you use on camper trailers. I use it all the time for my flatbed tandem and it really takes the yee-yaw (oscillating up and down at the hitch) out of the combination. Additionally, it relieves some of the tongue load.
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