Search found 147 matches

by obafgkm
Tue May 23, 2017 5:28 am
Forum: Investing - Theory, News & General
Topic: Why Invest in Average?
Replies: 34
Views: 2953

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: 378
Views: 47193

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: 11
Views: 676

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: 11
Views: 676

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: 11
Views: 676

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: 11
Views: 676

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: 23
Views: 2204

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: 820

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: 820

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: 1211

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: 31
Views: 990

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: 1405

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: 1364

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: 1364

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: 1282

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: 4026

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: 1334

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: 1446

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: 5671

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: 747

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: 703

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: 703

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: 474

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
Replies: 36
Views: 1322

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: 3451

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: 12934

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: 1209

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: 2420

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: 475

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: 812

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: 812

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...
by obafgkm
Sat Mar 04, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Example of Credit Union becoming privately insured
Replies: 5
Views: 388

Re: Example of Credit Union becoming privately insured

Nisiprius,
I found it at depositaccounts.com (and subsequently at BauerFinancial) under "Day-Met Credit Union" (with a hyphen).
by obafgkm
Tue Feb 28, 2017 5:49 am
Forum: Personal Finance (Not Investing)
Topic: 2016 Tax Refund...Wife asked, "Is it legal?!?!"
Replies: 17
Views: 3560

Re: 2016 Tax Refund...Wife asked, "Is it legal?!?!"

After e-filing , I told my wife our expected refund and she asked "Is it legal?!?!" A joint tax return was submitted and you didn't let your wife see the return before filing? What if she had questions or noticed something you didn't? Since she is also liable for the accuracy of the retur...
by obafgkm
Mon Feb 27, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare/ACA and Early Retirement
Replies: 16
Views: 1345

Obamacare/ACA and Early Retirement

If Obamacare Exits, Some May Need to Rethink Early Retirement (from The New York Times)

This is concerning to me. I was hoping to retire before I turn 63.5, and if any health insurance I can get is paltry, I'll have to work until 63.5 when I can use COBRA to bridge to Medicare.
by obafgkm
Sun Feb 26, 2017 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Check Your Beneficiaries!
Replies: 56
Views: 5594

Re: Check Your Beneficiaries!

TravelGeek wrote:I don't recall having to provide SSNs with Fidelity and Vanguard.


My 403(b) beneficiary form for Fidelity that I just filled out asked for Social Security numbers.
by obafgkm
Fri Feb 24, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Check Your Beneficiaries!
Replies: 56
Views: 5594

Check Your Beneficiaries!

Something made me check my beneficiaries for my 403(b) through Fidelity, and I found that I could not see them online. I had time, so I called Fidelity. It turns out that my primary beneficiary was my wife (who died two years ago) and the contingent beneficiary was my sister. That means the last tim...
by obafgkm
Wed Feb 22, 2017 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX vs FSTVX
Replies: 10
Views: 894

Re: VTSAX vs FSTVX

... I'm curious why, currently, VTSAX is at 54.14 and FSTVX is at 68.36 - why such the discrepancy? ... Why switch to Fidelity when their per share price is so drastically different and the indexes house essentially the same stocks? Am I missing something here? Thanks. Yes. The differing share pric...
by obafgkm
Wed Feb 22, 2017 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting review of my IPS (Doctor)
Replies: 23
Views: 1560

Re: Doctor requesting review of my IPS

When I saw this subject, I was expecting a different kind of question. I didn't know doctors needed to see a patient's investment policy statement...
:shock:
by obafgkm
Tue Feb 21, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Got an unexpected tax collections notice...
Replies: 24
Views: 3900

Re: Got an unexpected tax collections notice...

In 2012, I filed to receive my usual ~$20 refund. I have not received that refund. In fact, I didn't receive a refund in 2013, 2014, or 2015. The city is such a cluster/bureaucracy that I haven't bothered to pursue it. My practice (especially when I mailed in tax returns to a city or state) is to e...
by obafgkm
Sat Feb 18, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 59
Views: 3841

Re: Long Day Trip: Drive Old Car or Rent Car?

If you are unsure about your own car, I say rent. A slightly different situation, but about a dozen years ago, my wife and I rented a car for a cross-country trip (Pennsylvania to California and back) for a month instead of our own ~10-year-old cars, unlimited miles. Comfortable (and reliable) car, ...
by obafgkm
Thu Feb 16, 2017 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: Really Vanguard? 48 Cents?!
Replies: 40
Views: 4899

Re: Really Vanguard? 48 Cents?!

You should be able to contribute the $0.48 for 2016 in conjunction with a 2017 contribution. That might work. Another way is to calculate beforehand for oneself how much one is contributing and determine exactly what will happen (and not assume that Vanguard is going to do things the way one thinks...
by obafgkm
Wed Feb 15, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: What Happened to Proxy Voting?
Replies: 13
Views: 1272

Re: What Happened to Proxy Voting?

I used to receive in the mail a proxy to vote my mutual fund shares at the annual meeting. I have not seen such a thing for several years now and was just wondering why. Speaking of annual meetings, about 15 years ago I happened to be in Massachusetts at the time a meeting was scheduled (in Boston ...
by obafgkm
Mon Feb 13, 2017 6:55 am
Forum: Investing - Help with Personal Investments
Topic: Fearful Investor and Close to Retirement
Replies: 77
Views: 9922

Re: Fearful Investor and Close to Retirement

40% VT + 40% BND + 15% TIP + 5% CASH. It's simple. It's conservative (age in FI). 25% of FI (15% of port) protected from unexpected inflation. Galeno, Could you please explain what your abbreviations mean to Goldenfan? I see this is her first-ever post; being a little more clear about what you mean...
by obafgkm
Wed Feb 08, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: I Came Away Impressed with Social Security Enrollment Process
Replies: 21
Views: 2602

Re: I Came Away Impressed with Social Security Enrollment Process

cholan wrote: :thumbsup Social Security Employees!


"They're from the government and they're here to help!"
by obafgkm
Mon Feb 06, 2017 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable account vs Healthcare Retirement Account
Replies: 23
Views: 1887

Re: Taxable account vs Healthcare Retirement Account

Just out of curiosity, under what circumstances would this be a good choice? I'm resurrecting this old thread to see if there is an answer to TheStig's question. In my situation, I am putting the maximum ($24,000) into my 403(b) and (Roth) IRA ($6500). I am in my early 50s. My employer (a college) ...
by obafgkm
Mon Feb 06, 2017 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Problems with Quicken 2017 Upgrade
Replies: 3
Views: 450

Re: Problems with Quicken 2017 Upgrade

Are you using Quicken 2017 for Macintosh or Quicken 2017 for Windows?
by obafgkm
Sat Feb 04, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Help with sudden death of young father Re: SS
Replies: 10
Views: 1799

Re: Help with sudden death of young father Re: SS

I'm sorry about your friend's family. One more thing to add: Social Security (SS) will need to see a marriage certificate and birth certificates, as well as Social Security numbers of all involved (and maybe last year's tax form and/or pay stub of the widowed?). My wife died suddenly. When I called ...
by obafgkm
Wed Feb 01, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Spendthrift Daughter
Replies: 44
Views: 3727

Re: Spendthrift Daughter

Transition,
How old are your three grandchildren and who has primary custody of them -- their mother or their father?
by obafgkm
Wed Feb 01, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: Great opportunity in pork bellies comes five years too late...
Replies: 10
Views: 1424

Re: Great opportunity in pork bellies comes five years too late...

I might be a squealer, but...

From The New York Times, published February 1, 2017:

Bacon Shortage? Calm Down. It’s Fake News.

Hey! This is my 100th post!
by obafgkm
Wed Feb 01, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Instant Pot - your favorite uses?
Replies: 36
Views: 5282

Re: Instant Pot - your favorite uses?

Here is an article from The New York Times by Melissa Clark on the Instant Pot (with recipes), dated January 31, 2017.

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