Search found 166 matches

by obafgkm
Mon Jul 24, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Three credit card scams ATTEMPTED this week
Replies: 9
Views: 1896

Re: Three credit card scams ATTEMPTED this week

... using either a "Virtual Account Number" issued by Citibank or "Shop Safe" issued by Bank of America... These perks on your credit cards work well with hotels and doing any kind of business over the phone or on line. Just go to the bank websites and get these. I occasionally ...
by obafgkm
Thu Jul 20, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: SAT scores - whats the point??
Replies: 37
Views: 1757

Re: SAT scores - whats the point??

So my question is...if people are willing to pay for tuition...why not let them in? Traditional colleges aren't in the business of making money. They are in the "business" of educating students, performing research, and otherwise enhancing the wellbeing of society. To do so, they need wel...
by obafgkm
Tue Jul 04, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: 2% CD (13-months) Best kept secret
Replies: 4
Views: 2114

Re: 2% CD (13-months) Best kept secret

My credit union offered 1.80% APY on an 8-month CD (to celebrate its 80th anniversary) in June 2017. I figured it was a good place to put some money I would otherwise not likely to use in that time.
by obafgkm
Wed Jun 21, 2017 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Which 529 Plan in 2017?
Replies: 9
Views: 1018

Re: Which 529 Plan in 2107?

AJC408 wrote:Hey all,

Most of the 529 plan questions were from 2014 and older.


Planning ahead, are you? :D
by obafgkm
Tue Jun 20, 2017 6:30 am
Forum: Personal Consumer Issues
Topic: Part-time computer science graduate schools in Boston area?
Replies: 15
Views: 1421

Re: Part-time computer science graduate schools in Boston area?

You might want to check out UMass Boston as well. A public school might be less expensive than the private ones mentioned.
by obafgkm
Sat Jun 17, 2017 7:20 am
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 61
Views: 3720

Re: Suggestions for password storage services?

I don't have any personal experience (yet), but these have been recommended to me: ⋅ Password1 It is actually "1Password". I've used this for several years, and I have had (almost) no problems with it. The few times I have, the customer support has been quick and helpful. I also...
by obafgkm
Thu Jun 15, 2017 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Mid-40's, single parent, "retired", $1.6M portfolio, investment advice sought.
Replies: 50
Views: 7787

Re: Mid-40's, single parent, "retired", $1.6M portfolio, investment advice sought.

She receives some temporary benefits for her child, which helps but is contingent on spending directly on the child, so in a way it cannot be "saved." Any Social Security for herself would be via her ex-spouse's employment, as her employment history is minimal. I don't know the details ab...
by obafgkm
Thu Jun 15, 2017 4:40 am
Forum: Investing - Help with Personal Investments
Topic: Mid-40's, single parent, "retired", $1.6M portfolio, investment advice sought.
Replies: 50
Views: 7787

Re: Mid-40's, single parent, "retired", $1.6M portfolio, investment advice sought.

G12 wrote:I would have to understand how the person aggregated $1.6M with perhaps extremely limited investment knowledge and a debt free home in the first place


AZAttorney11 wrote:I'm guessing divorce.


Possibly being widowed and receiving life insurance and inheriting retirement accounts.
by obafgkm
Tue Jun 13, 2017 6:28 pm
Forum: Investing - Theory, News & General
Topic: Discrepancy in Reported Fund Price - What to Do?
Replies: 13
Views: 1051

Re: Discrepancy in Reported Fund Price - What to Do?

I'll let you know what I hear. Well, I didn't hear back the week of May 26, 2017. I sent a message to Vanguard about it, and finally heard today: Dear obafgkm: After completing my research, I have found that the system is not working as designed and will need to be fixed by our Information Technolo...
by obafgkm
Tue Jun 13, 2017 4:31 pm
Forum: Forum Issues and Administration
Topic: Should this site highlight posts from the OP?
Replies: 3
Views: 556

Re: Should this site highlight posts from the OP?

I agree with you, and would like to see the feature added. It would make it easier. I know the Macrumors forum follows this approach, so it can be done.
by obafgkm
Sun Jun 11, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Fence Dilemma
Replies: 31
Views: 2725

Re: Fence Dilemma

Is a fence even necessary?
by obafgkm
Thu Jun 08, 2017 4:50 am
Forum: Investing - Theory, News & General
Topic: Chicagoan, 98, donates Walgreen stock bought decades ago.
Replies: 20
Views: 3039

Re: Chicagoan, 98, donates Walgreen stock bought decades ago.

Nice story!

Smokes a pipe, requests a "big tub" of ice cream... 98 years old. What other lessons can we take away from this article? :wink:
by obafgkm
Tue Jun 06, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 3441

Re: Suit for residency interviews

It seems the assumption is that the original poster (OP) is a man. Would the answers be different if the OP was a woman?
by obafgkm
Tue Jun 06, 2017 9:37 am
Forum: Investing - Help with Personal Investments
Topic: When a company spins off part of itself, do you keep the new company stock?
Replies: 17
Views: 847

Re: When a company spins off part of itself, do you keep the new company stock?

lhl12 wrote:Talen Energy is the power producing subsidiary of PPL (formerly Pittsburgh Power and Light).


Actually, PPL used to be Pennsylvania Power and Light.
by obafgkm
Fri Jun 02, 2017 7:54 am
Forum: Investing - Help with Personal Investments
Topic: 401K match question
Replies: 13
Views: 567

Re: 401K match question

mortfree wrote:If it is compensation based, would the OP even have to contribute to get the match?


It wouldn't be a "match" if there was no contribution.
by obafgkm
Wed May 31, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: Multiple seat belt tickets- options?
Replies: 36
Views: 3889

Re: Multiple seat belt tickets- options?

AJ1 wrote: I was in AZ before for 3 years and the laws for seat belt there were very different.


Not any more.
by obafgkm
Wed May 31, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Pennsylvania Vehicle Registration Renewal - 2 year option
Replies: 17
Views: 1096

Re: Pennsylvania Vehicle Registration Renewal - 2 year option

Anyway, PA is finally allowing technology to improve our quality of life and reduce interaction with the DOT. To tell the truth, I've never had a problem with PennDOT (or, as I tell my students, "the change of Penn with respect to time"). Getting a new driver's license, renewing a plate, ...
by obafgkm
Wed May 31, 2017 4:44 am
Forum: Investing - Theory, News & General
Topic: Does your username at fidelity.com get hidden?
Replies: 12
Views: 863

Re: Does your username at fidelity.com get hidden?

My username gets hidden, except for the last three characters. However, I use 1Password and it is not a big deal for me either way.

I do notice that when I click in the username box the whole username appears. When I click out, it is hidden again.
by obafgkm
Sat May 27, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Havings twins
Replies: 24
Views: 2392

Re: Havings twins

My wife's maternity leave will be unpaid, and she is planning on taking the full 12 weeks. If your employer has any parental leave, I suggest taking it. If it is fully paid (even for a few weeks), definitely take it. My wife's employer did not have any paid parental leave. However, my employer did ...
by obafgkm
Tue May 23, 2017 5:28 am
Forum: Investing - Theory, News & General
Topic: Why Invest in Average?
Replies: 34
Views: 3291

Re: Why Invest in Average?

Chadnudj, I love your interpretation!
by obafgkm
Mon May 22, 2017 6:04 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 485
Views: 66418

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I'm considering doing a transfer of my Roth IRA from Vanguard and TIAA to Fidelity and take advantage of the “IRA Match” from Fidelity. Three questions: I notice that at the moment Fidelity does not seem to have any bonus offers. How often are the bonuses made available (and when), generally? As lon...
by obafgkm
Thu May 18, 2017 3:10 pm
Forum: Investing - Theory, News & General
Topic: Discrepancy in Reported Fund Price - What to Do?
Replies: 13
Views: 1051

Re: Discrepancy in Reported Fund Price - What to Do?

The response as of right now: Dear obafgkm: Thank you for taking the time to contact us. We are currently researching your inquiry regarding your dividend payment. Please allow approximately until the week of May 26, 2017 for us to complete our review. We will follow up with you by e-mail as soon as...
by obafgkm
Thu May 18, 2017 9:16 am
Forum: Investing - Theory, News & General
Topic: Discrepancy in Reported Fund Price - What to Do?
Replies: 13
Views: 1051

Re: Discrepancy in Reported Fund Price - What to Do?

I will post what Vanguard replies with.

In the meantime, has anybody else noticed this for April 28, 2017? In other words, does the transaction history for VBTLX show a share price of $10.68?

I'd wager good money that I'm not the only one here who owns VBTLX...
by obafgkm
Thu May 18, 2017 7:41 am
Forum: Investing - Theory, News & General
Topic: Discrepancy in Reported Fund Price - What to Do?
Replies: 13
Views: 1051

Re: Discrepancy in Reported Fund Price - What to Do?

Yahoo is well-known for having bad data sometimes. I suggest you call them up and get a refund of the money you paid them. It appears the same ($10.74) as Yahoo! for Google, The Wall Street Journal, The Financial Times, Morningstar, and -- weirdly enough -- Vanguard (under "Price history searc...
by obafgkm
Thu May 18, 2017 5:32 am
Forum: Investing - Theory, News & General
Topic: Discrepancy in Reported Fund Price - What to Do?
Replies: 13
Views: 1051

Discrepancy in Reported Fund Price - What to Do?

I noticed that the share price for April 28, 2017 of Vanguard Total Bond Market Index Fund Admiral (VBTLX) was reported as $10.74 by Yahoo! Finance, while on my Vanguard transactions page the price for VBTLX was reported as $10.68 . (I noticed the discrepancy when I was trying to add some reinvested...
by obafgkm
Tue May 16, 2017 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Privacy vs $$$$
Replies: 31
Views: 3860

Re: Privacy vs $$$$

For those purposes: Phone number: (area code) 867-5309 A friendly suggestion -- there may be somebody in the area code that actually has 867-5309 as their number. Your action could be causing them grief . I usually give the number of another business that has asked for my telephone number (or the n...
by obafgkm
Sat May 13, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Simple W4 Excel withholding calculator (to calculate exact dollar amount based on W4 inputs)
Replies: 13
Views: 928

Re: Simple W4 Excel withholding calculator (to calculate exact dollar amount based on W4 inputs)

neurosphere wrote:[
I think I fixed this? Perhaps try again.



It works now for me, as well. Thanks!
by obafgkm
Sat May 13, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Simple W4 Excel withholding calculator (to calculate exact dollar amount based on W4 inputs)
Replies: 13
Views: 928

Re: Simple W4 Excel withholding calculator (to calculate exact dollar amount based on W4 inputs)

Neurosphere,
Thanks for creating this! Unfortunately, in the gray box at the bottom, I see "SharePoint Online" and a little blue "Sign In" box which takes me to a Microsoft Office 365 login.
by obafgkm
Fri May 05, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: wife offered her bosses position, questions
Replies: 17
Views: 1336

Re: wife offered her bosses position, questions

I think there is a possibility that Person B's position could widen to my wife's department so she would have to report to Person B, but Person A says no to my wife, that won't happen. (...) I told my wife to get that in writing before accepting, sound reasonable? (...) I told my wife I'd like to t...
by obafgkm
Fri May 05, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: When you didn't have 401(k)/403(b), did you have IRA?
Replies: 46
Views: 2319

Re: When you didn't have 401(k)/403(b), did you have IRA?

5. Something else. My experience is that I had an IRA for years (beginning late 1980s, age about 24) before I had a 403(b). However, the IRA was in CDs at a bank when I was in graduate school. I remember laughing with my father and brother that I couldn't touch it until I was 59.5 (that was soooo fa...
by obafgkm
Sun Apr 23, 2017 6:43 am
Forum: Investing - Theory, News & General
Topic: Does Knowledge of Fellow Employees’ Retirement Contributions Encourage Greater Participation?
Replies: 13
Views: 1482

Re: Does Knowledge of Fellow Employees’ Retirement Contributions Encourage Greater Participation?

People are contributing what to the people on this board is a shockingly low amount. (...) I'd be surprised if more than 25% of the people where you work are contributing 2%. Sad but true. A followup to my original post: Well, it looks as if dharrythomas was right. At a benefits discussion last wee...
by obafgkm
Mon Apr 17, 2017 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Savings Account: Experience with Discover, AmEx, Barclays, Synchrony?
Replies: 21
Views: 1473

Re: Savings Account: Experience with Discover, AmEx, Barclays, Synchrony?

rare_pepe wrote:What's so bad about Ally?


I can't say (I've never banked there). It seems that it is the go-to online savings bank around here, as much as a certain mutual fund company...
by obafgkm
Mon Apr 17, 2017 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Savings Account: Experience with Discover, AmEx, Barclays, Synchrony?
Replies: 21
Views: 1473

Re: Savings Account: Experience with Discover, AmEx, Barclays, Synchrony?

AlexanderTheMediocre wrote:Any reason Ally isn't on the list?


On this site, that is the V-word of online savings banks. It was quite refreshing to not see it mentioned.

Original poster (OP), I use Barclays for the last five years and have had absolutely no problems with their service.
by obafgkm
Mon Apr 17, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Any Way to Further Reduce Taxes?
Replies: 14
Views: 1381

Re: Any Way to Further Reduce Taxes?

wolf359 wrote:4) Move to a lower tax state. The ideal is a state with no income tax where you are near the border of a state with no sales tax.


Although one will most likely need to pay use tax for items brought from the no-sales-tax state into the home state.
by obafgkm
Sat Apr 15, 2017 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Will it be a mistake to buy VTSMX today?
Replies: 39
Views: 4255

Re: Will it be a mistake to buy VTSMX today?

last year I invested over $X00,000 in VTMSX was it a good time or a bad time to invest I don't know. What I do know is I am investing and that is better then sitting on the side line. By the way, I am up even in the so called overpriced market of last year. Yes, but the discussion was about VTSMX (...
by obafgkm
Fri Apr 14, 2017 5:38 am
Forum: Personal Consumer Issues
Topic: netflix
Replies: 11
Views: 1409

Re: netflix

Not all of Netflix's content is downloadable, however. It looks to me as if it depends on a contract with the studio and also how old the content is. For example, looking at Netflix's original programming, "Longmire" and "A Series of Unfortunate Events" is downloadable, while &qu...
by obafgkm
Sun Apr 09, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: [Tax] software asks driver license number
Replies: 15
Views: 1501

Re: [Tax] software asks driver license number

I filed two state returns this year because I moved halfway through 2016. Both states required either a driver's license # or the AGI listed on last years state return to efile. My DL is still in the old state, so I had to paper file my new state. Quite annoying. Off topic, perhaps, but isn't one s...
by obafgkm
Sat Apr 08, 2017 6:01 am
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 68
Views: 6401

Re: What online bank do you use?

jesscj wrote:Use Barclays Bank for online savings accounts, otherwise local credit union for checking/savings.


Same here.
by obafgkm
Thu Apr 06, 2017 5:12 am
Forum: Personal Consumer Issues
Topic: Unused credit card with positive balance
Replies: 9
Views: 810

Re: Unused credit card with positive balance

If you are an Amazon customer, you can buy online a $0.84 gift card and just use it.
by obafgkm
Tue Apr 04, 2017 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard automatic Roth investment stops pennies short of maximum yearly contribution?
Replies: 15
Views: 790

Re: Vanguard automatic Roth investment stops pennies short of maximum yearly contribution?

... why not just put $5500 in on 1st business day of the new year? get it all in, forget about it, compound compound compound, see ya in 30 years. Of course, not everybody can afford to put in such a large chunk of money at once. I understand the logic of investing a lump sum early in the year (on ...
by obafgkm
Tue Apr 04, 2017 5:19 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard automatic Roth investment stops pennies short of maximum yearly contribution?
Replies: 15
Views: 790

Re: Vanguard automatic Roth investment stops pennies short of maximum yearly contribution?

Welcome to Bogleheads! Any idea why Vanguard doesn't make up the pennies or whatever on the final deposit of the year, so my contributions are maxed? (...) I've got less confidence in the future that my contributions will actually be maxed without me manually checking. Vanguard cannot make up the di...
by obafgkm
Sun Mar 26, 2017 7:41 am
Forum: Investing - Help with Personal Investments
Topic: how to get a certified translation of bank statement
Replies: 8
Views: 571

Re: how to get a certified translation of bank statement

I don't know about bank statements, but my (internationally adopted) child's Spanish-language birth certificate was translated by a friend who happened to be the chair of the Spanish department of a local college. His credentials were good enough for my state authorities. He did it for free. Perhaps...
by obafgkm
Fri Mar 24, 2017 5:58 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 3010

Re: Vanguard's website is down (for me anyway)

Da5id wrote:Me too, 6:41 EST...


Just a note -- in the United States, Eastern Time (ET) is at this writing in Eastern Daylight Time, so the abbreviation is properly EDT.

It is now 6:58 a.m. EDT.
by obafgkm
Wed Mar 22, 2017 5:14 am
Forum: Personal Consumer Issues
Topic: Car Vandalism During Cross-Country Drive
Replies: 41
Views: 3677

Re: Car Vandalism During Cross-Country Drive

Goal33 wrote:+1, also consider tinting your windows, limo tint in the back, and lighter in the front. Would make the drive more pleasant as well as make it slightly less obvious you have a car load of stuff.


Or make it seem as if there were something that was being hidden.
by obafgkm
Mon Mar 20, 2017 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 13369

Re: Paying $20 to E-File State Return

I live in Pennsylvania. I've purchased either the TurboTax or Taxcut flavor of Federal e-file + State (no e-file) for years. I'd e-file the federal forms, and then print out the PA state forms and mail in. For tax year 2016, in 2017 I finally decided to use the PA Department of Revenue e-file softwa...
by obafgkm
Sat Mar 18, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: rewriting will
Replies: 17
Views: 1336

Re: rewriting will

This plan will certainly cause hard feelings among the siblings, toward the Original Poster msrumphius, and toward the late spouse. By the way, why is everybody assuming msrumphius is married to a woman? Nothing in the Original Post indicated such. When I first read this, thought "msrumphius&qu...
by obafgkm
Mon Mar 13, 2017 11:12 pm
Forum: Investing - Theory, News & General
Topic: How Many Contribute To A Retirement Fund But Never Invest
Replies: 21
Views: 2563

Re: How Many Contribute To A Retirement Fund But Never Invest

I have seen many times over the years folks who open and IRA at a bank for example and then buy a bank CD only in the IRA. In today's environment, that is a tough rate of return to try an build your future around. I opened my first IRA in graduate school in the late 1980s at at savings and loan. It...
by obafgkm
Sat Mar 11, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Pennsylvania - Got a will. Now what?
Replies: 4
Views: 506

Re: Pennsylvania - Got a will. Now what?

I live in Pennsylvania. My wife and I let the lawyer who wrote up the wills and other documents keep the originals with her firm for safekeeping. We had our own copies which we put in our files. The contingent executors knew what firm had the documents. That worked fine for me when my wife died; I g...
by obafgkm
Wed Mar 08, 2017 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Questions for Parents' Executor to Ask Beforehand?
Replies: 8
Views: 883

Re: Questions for Parents' Executor to Ask Beforehand?

Thanks for everybody's suggestions and comments. This has been helpful. I'll probably have more questions in the future.
by obafgkm
Sun Mar 05, 2017 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Questions for Parents' Executor to Ask Beforehand?
Replies: 8
Views: 883

Questions for Parents' Executor to Ask Beforehand?

I have been asked by my parents (both currently in their late 70s) to be the executor of their estate. They live in a different state—Maryland--(but only a few hours away from me), if that matters. I have not seen the will. I am willing to be the executor. I have been the executor of my wife’s estat...

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