Search found 433 matches

by obafgkm
Wed May 20, 2020 6:15 am
Forum: Personal Finance (Not Investing)
Topic: "With summer camps canceled, IRS relaxes rules on flexible spending accounts"
Replies: 5
Views: 968

"With summer camps canceled, IRS relaxes rules on flexible spending accounts"

A recent column by Michelle Singletary of The Washington Post.

Bottom line seems to be that the employer must agree to allow changes, and what they might be. And not just dependent care, but health care as well. It may be useful to some.
by obafgkm
Wed May 13, 2020 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 85
Views: 5604

Re: Employer cut 403b contribution to zero

Today, my employer - a research-one university - announced that for the coming fiscal year, there would be no employer contributions to our 403b plans. My university - a liberal-arts college - is considering it. We have a pay freeze for next year, and our CFO said that depending on how things turn ...
by obafgkm
Tue May 12, 2020 8:21 am
Forum: Investing - Theory, News & General
Topic: Healthcare post COVID-19
Replies: 57
Views: 5283

Re: Healthcare post COVID-19

It has changed, in three ways. 2) .... (Coupled with many people who will no longer have insurance after losing their jobs) I think that job-based health insurance will not be the major game in town in the not-too-distant future. It will still be a player, but many in the public will push for other...
by obafgkm
Mon May 04, 2020 8:51 pm
Forum: Personal Consumer Issues
Topic: No sidewalk ramp or a steep ramp?
Replies: 14
Views: 1098

Re: No sidewalk ramp or a steep ramp?

Is there a known resident with disabilities in the area? That could certainly factor into any decision to consider revisions at this late stage. That might factor into any decision, but I remember I never really thought about curb cuts (I know, able-bodied privilege) until I was taking my baby daug...
by obafgkm
Sat Apr 25, 2020 10:31 am
Forum: Personal Consumer Issues
Topic: Experian and TransUnion
Replies: 1
Views: 215

Re: Experian and TransUnion

Voltaire 2.0, you might get some quicker responses if you make your subject something more evocative than "Experian and TransUnion". Click the pencil next to the exclamation point to the upper left in your original post.
by obafgkm
Fri Apr 24, 2020 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1585
Views: 217973

Re: Fidelity as a one stop shop

Minimum redemption is $50 and (auto-redemption) should happen anytime you're over 5,000 points when a statement is issued. I thought it was $50 minimum, too. But when I manually redeemed for cash a week ago, it seems the minimum has been lowered to $25. I don't know if that's temporary, permanent, ...
by obafgkm
Fri Apr 24, 2020 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Mobile Deposits/ATM
Replies: 42
Views: 1613

Re: Mobile Deposits/ATM

Assuming your bank/credit union allows a mobile deposit of $27,000, I don't see a problem. My credit union has a max of $2500, but Fidelity Cash Management allows more for me. The drive-thru would also work (although wash your hands after dealing with the drive-thru equipment). I did that last week ...
by obafgkm
Wed Apr 15, 2020 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Experiences with DCU as a bank?
Replies: 9
Views: 478

Re: Experiences with DCU as a bank?

What is "DCU"?
by obafgkm
Thu Apr 09, 2020 7:41 pm
Forum: Personal Consumer Issues
Topic: Online Scrabble
Replies: 11
Views: 836

Re: Online Scrabble

I'm playing Words With Friends 2 with a friend on my iPad. Close enough to Scrabble, but the ads after every time you play a word are annoying. I'd pay one-time to remove the ads, but they charge $9.99 per month for no-ad play. I can ignore the ads for free, I suppose.
by obafgkm
Thu Apr 09, 2020 7:57 am
Forum: Personal Finance (Not Investing)
Topic: NYT hit piece on Donor Advised Funds
Replies: 67
Views: 2756

Re: NYT hit piece on Donor Advised Funds

Please note that the article is in fact 18 months old. That doesn't necessarily make the article inaccurate or the original poster's (OP) concerns invalid, but it is an old article.
by obafgkm
Wed Apr 08, 2020 7:35 am
Forum: Personal Consumer Issues
Topic: Simplicity
Replies: 85
Views: 12917

Re: Simplicity

I've been doing cleaning and de-cluttering -- it has made my study much more work-friendly, especially now that I am teaching from home.
by obafgkm
Wed Mar 25, 2020 1:15 pm
Forum: Investing - Theory, News & General
Topic: "Expect Trouble"
Replies: 28
Views: 3584

Re: "Expect Trouble"

I had never heard of this person (Ann Landers). She was the identical twin sister of the original "Dear Abby" (who is the mother of the current "Dear Abby"). I'm a few years younger than Mr. Larimore, but I grew up reading Landers's column in The (Baltimore) Evening Sun as a kid in the 1970s and 19...
by obafgkm
Thu Feb 27, 2020 8:34 pm
Forum: Personal Investments
Topic: Parking cash for 6 weeks: CD or MMF?
Replies: 7
Views: 531

Re: Parking cash for 6 weeks: CD or MMF?

Thesaints wrote:
Thu Feb 27, 2020 7:45 pm
Let's say that five figures means half a million.
Five figures could not possibly mean half a million.
by obafgkm
Thu Feb 27, 2020 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1585
Views: 217973

Re: Fidelity as a one stop shop

vtMaps wrote:
Thu Feb 27, 2020 11:47 am
We also get a separate detailed statement with check images for our CMA. --vtMaps
I did not know images were available. Thanks for mentioning that.
by obafgkm
Wed Feb 26, 2020 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Paper Series I Savings Bonds -- Why So Many $50s Issued?
Replies: 25
Views: 2288

Paper Series I Savings Bonds -- Why So Many $50s Issued?

Is there a reason that the U.S. Treasury insists that issued paper I savings bonds from income tax refunds always start out with $50s, even though fewer bonds could be issued in some cases? I received $1050 in I bonds this week; I received five $50s, 1 $100, 1 $200, and 1 $500, which I expected, but...
by obafgkm
Sat Feb 22, 2020 2:16 pm
Forum: Personal Investments
Topic: Where to park CASH with promotion bonus?
Replies: 8
Views: 1036

Re: Where to park CASH with promotion bonus?

What is "CASH" an acronym for?
by obafgkm
Fri Feb 21, 2020 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2019 tax refund?
Replies: 111
Views: 8256

Re: How quickly did you receive your 2019 tax refund?

• Return submitted and accepted: 02/10/2020
• Refund deposited: 02/20/2020
• Refund in Savings Bonds: received 02/24/2020
by obafgkm
Sun Feb 09, 2020 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care Flexible Spending Account, Taxes, Non-Calendar Fiscal Year Situation
Replies: 4
Views: 310

Re: Dependent Care Flexible Spending Account, Taxes, Non-Calendar Fiscal Year Situation

I have the same issue this year. My understanding is that the $360 contribution becomes taxable in 2019 despite the fact that you had qualifying expenses in 2018. I was afraid of that. I had come to the same conclusion. Too late for this now but I believe the proper way to have done it was to have ...
by obafgkm
Sat Feb 08, 2020 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Care Flexible Spending Account, Taxes, Non-Calendar Fiscal Year Situation
Replies: 4
Views: 310

Dependent Care Flexible Spending Account, Taxes, Non-Calendar Fiscal Year Situation

I’d like some advice on dealing with taxes and a dependent care flexible spending account (FSA) that I have from my employer. The employer operates on a July 1 - June 30 fiscal year, and our selections for flexible spending follows that calendar, with open enrollment in the preceding spring. My only...
by obafgkm
Thu Feb 06, 2020 8:08 pm
Forum: Personal Consumer Issues
Topic: Is a *new* Drivers License required for USA citizens who have a Passport?
Replies: 45
Views: 4359

Re: Is a *new* Drivers License required for USA citizens who have a Passport?

decapod10 wrote:
Thu Feb 06, 2020 7:19 pm
I can't imagine any TSA agent would not be familiar with / would not accept a US passport.
Perhaps, but then I remember things like this:

Yes, TSA is still getting confused by ‘District of Columbia’ driver’s licenses
by obafgkm
Thu Feb 06, 2020 4:43 pm
Forum: Personal Consumer Issues
Topic: Is a *new* Drivers License required for USA citizens who have a Passport?
Replies: 45
Views: 4359

Re: Is a *new* Drivers License required for USA citizens who have a Passport?

As a technical issue, if you're a US citizen, not driving and not crossing the border or buying booze, you aren't required to carry ID at all Customs and Border Protection can operate anywhere within 100 miles of the border (including the shores of the ocean). If you are in New York state, you are ...
by obafgkm
Sun Dec 29, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: Census "American Community Survey"??
Replies: 12
Views: 1100

Re: Census "American Community Survey"??

I received one of these several years ago (maybe the last 10-15 years ago). I determined it was legitimate to my satisfaction, filled it out truthfully, and truthfully answered the questions asked in followup calls. The country needs accurate data to run (more) efficiently. I figured it was my duty ...
by obafgkm
Sun Dec 22, 2019 7:23 am
Forum: Personal Investments
Topic: Donate shares to your DAF before the shares pay a dividend!
Replies: 21
Views: 1105

Re: Donate shares to your DAF before the shares pay a dividend!

If you are going to donate shares to your DAF soon, then may I suggest you do so before they go ex-dividend, drop in value slightly, and cost you the income and taxes on the dividend? :) Forgive my ignorance. I don't have a donor-advised fund (DAF). Why would timing even matter for a DAF? I underst...
by obafgkm
Sat Dec 14, 2019 1:38 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1406
Views: 190036

Re: Post your Financial Milestone Announcements Here

Yesterday (December 13, 2019) I just crossed over $1 million in my 403(b). While my total net worth is over $2 million (not including my house), this is particularly satisfying because my IRA includes money inherited from my late wife. The 403(b) is entirely from 24 years of my contributions and fro...
by obafgkm
Wed Dec 11, 2019 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Made a mistake with my 2020 Dependent Care FSA and election window is closed...help?
Replies: 11
Views: 883

Re: Made a mistake with my 2020 Dependent Care FSA and election window is closed...help?

If you think you can get through calendar year 2020, perhaps you can try to
  1. See if HR will let you cancel, or
  2. Cancel when the baby is born as a qualifying event, and then use the money that was put in the first part of the year in the first 2.5 months of 2021.
And congratulations!
by obafgkm
Tue Nov 26, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: Keyboard issues with a new Mac Air
Replies: 10
Views: 699

Re: Keyboard issues with a new Mac Air

hillman wrote:
Tue Nov 26, 2019 2:49 pm
I’v bn using th nw macbook air for a whil now and rally lik it. Th scrn alon is worth th upgrad. Sur, thr ar som typical Appl quirks to dal with, but I would go ahad and pull th triggr.
:beer :D

Nice.
by obafgkm
Sun Nov 24, 2019 11:40 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 88433

Re: Found hidden safe, should we crack?

Why limit yourself to just the locksmith the safe manufacturer recommends? (...) There are likely even more folks that can do it, but don't have a locksmith shop. Folks that work in security, or are retired locksmiths, etc. Or, as my grandfather used to say, folks who are "working for the state." A...
by obafgkm
Mon Nov 18, 2019 12:47 am
Forum: Personal Consumer Issues
Topic: Disney plus streaming deal
Replies: 56
Views: 7284

Re: Disney plus streaming deal

I am doing the 7 day trial. I won't be going beyond the trial period. Too little content. The Disney Vault has ten movies. Hmmm. You may have a different vault than I do. Looking at my feed, "Out of the Vault" for "Disney" has far more than ten movies available, about twenty-five. Perhaps Disney+ o...
by obafgkm
Wed Nov 13, 2019 7:55 am
Forum: Personal Investments
Topic: Moving Roth IRA from Vanguard to TIAA Brokerage
Replies: 8
Views: 676

Re: Moving Roth IRA from Vanguard to TIAA Brokerage

(...) We're moving our TIAA equity holdings from our 403b accounts into Vanguard IRAs and I just compared their respective equity index funds. (...) If you don't mind me asking, are you just keeping your non-equity holdings at TIAA? Is that just TIAA Traditional or also bond funds and TIAA Real Est...
by obafgkm
Wed Oct 30, 2019 5:10 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 13872

Re: Apple Pay. Does anyone use it?

... Apple Pay makes me do a pointless double-click and FaceID thing for security theater. On the other hand, I love Apple Pay, but my cellphone is an iPhone 8, which uses Touch ID (just a thumb print). I've seen others do the dance you mention with Face ID, and I could see it getting really annoyin...
by obafgkm
Fri Oct 25, 2019 7:37 am
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 5722

Re: First Republic Bank doesn’t have physical coins

This seems like even better customer service than the old First Citiwide Bank in the 80s. They had at least one branch here in Pennsylvania. Here is one of their old commercials.
by obafgkm
Wed Oct 09, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: Barclays Savings Rate Drops to 1.9% (October 9, 2019)
Replies: 13
Views: 1683

Barclays Savings Rate Drops to 1.9% (October 9, 2019)

Barclays savings rate is now 1.9%, as of today, October 9, 2019.
by obafgkm
Tue Sep 24, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: IOS to do app
Replies: 14
Views: 948

Re: IOS to do app

I just use "Reminders" -- it syncs across my iOS devices (iPhone, iPad, my old iPod Touch) as well as my Macintosh via iCloud and is an Apple app that came with the device. It does everything you ask, except perhaps for your number 4-- subcategories, although I suppose you can create a new Reminder ...
by obafgkm
Fri Sep 20, 2019 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Be Aware of "Fake" Credit Unions
Replies: 10
Views: 2252

Re: Be Aware of "Fake" Credit Unions

whodidntante wrote:
Fri Sep 20, 2019 3:08 pm
Seriously, some retirees, undercapitalized and desperate for yield, would smack their own brother to get an extra 0.5%.
Seriously, all Bogleheads, undercapitalized and desperate for yield (or not), would smack their own brother to get an extra 0.5%.
by obafgkm
Wed Sep 18, 2019 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1585
Views: 217973

Re: Fidelity as a one-stop shop

Wow. This morning, before 6:00 am EDT, I initiated a transfer of just under $1000 from my Cash Management Account to my brick-and-mortar credit union account. About 8:00 am, I received an email from Fidelity saying the "EFT processed successfully." This evening at 8:50 p.m., I checked, and the money...
by obafgkm
Sat Sep 14, 2019 9:21 am
Forum: Investing - Theory, News & General
Topic: Fidelity beating vanguard now? switch to Fidelity?
Replies: 121
Views: 7037

Re: Vanguard is Falling Behind Compared to Fidelity

Bogle64Pilot wrote:
Sat Sep 14, 2019 8:59 am
First the website / app experience is night and day different. Fidelity absolutely places emphasis on the UI. Vanguard isn’t even in the 20th century in terms of technology yet.
Somehow I think Vanguard's website is at least in the 20th century in terms of technology. :mrgreen: :P
by obafgkm
Sun Sep 08, 2019 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Who else offers an account like Fidelity Cash Management?
Replies: 19
Views: 2481

Re: Who else offers an account like Fidelity Cash Management?

whodidntante wrote:
Sat Sep 07, 2019 8:50 am
It would make a nice wiki article, possibly the first that discusses brokers but does not mention Vanguard in any way. :happy
It would be mentioned.

"Vanguard used to offer a similar product, Vanguard Advantage, which had many desirable features."

:P
by obafgkm
Fri Sep 06, 2019 7:37 am
Forum: Personal Consumer Issues
Topic: There's a Boglehead on Judge Judy today. [TV show]
Replies: 18
Views: 4066

Re: There's a Boglehead on Judge Judy today. [TV show]

tony_roach wrote:
Thu Sep 05, 2019 8:16 pm
Found the clip and the Vanguard love as well as the Judge Judy response are priceless....just in case the link doesn't work you want to go to 16:33 on the video

https://youtu.be/zKZzgvkCE-M?t=993
Unfortunately, I get a message saying that "The video is private", so I was not able to view it.
by obafgkm
Thu Aug 29, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: While there is a high school question - my daughter wants to graduate early
Replies: 76
Views: 4137

Re: While there is a high school question - my daughter wants to graduate early

I skipped senior year of a well-respected (in my home state, at least) high school, started at an Ivy League school at 16, graduated from that school at 20. It was a great triumph. It was also one of my greatest mistakes. I wasn't ready (socially) at 16/17 to be in college. Academically, finding out...
by obafgkm
Wed Aug 28, 2019 6:19 am
Forum: Personal Investments
Topic: Suggestions From TIAA and Checkup
Replies: 39
Views: 3140

Re: Suggestions From TIAA and Checkup

It looks as if this thread is winding down. Thank you all for your comments, suggestions, and support. I have a lot to think about and to read. The assurances make the start of my school year after a good summer just a little easier :happy .

Thanks again.
by obafgkm
Mon Aug 26, 2019 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2007 for Mac versus Quicken 2019?
Replies: 6
Views: 471

Re: Quicken 2007 for Mac versus Quicken 2019?

RickBoglehead wrote:
Mon Aug 26, 2019 6:38 pm
A simple Google search shows that in fact there are still registers for each account. https://www.quicken.com/support/working ... -0#windows

I'd suggest you view some of the videos in that link.
Thanks, I must have been Googling exactly the wrong keywords. :oops:
by obafgkm
Mon Aug 26, 2019 5:48 pm
Forum: Personal Investments
Topic: Suggestions From TIAA and Checkup
Replies: 39
Views: 3140

Re: Suggestions From TIAA and Checkup

Out of curiosity, what return are you getting on your TIAA Traditional? I contributed to my largest Trad accounts from 1985 to 2016, so I have some old vintages. Using the two most recent quarterly balances (3/31/19 and 6/30/19), I get annualized returns of about 4.0% on the liquid version (GSRA) a...
by obafgkm
Mon Aug 26, 2019 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2007 for Mac versus Quicken 2019?
Replies: 6
Views: 471

Quicken 2007 for Mac versus Quicken 2019?

I have been using Quicken since the late 1990s, and Quicken 2007 for Mac since ... 2007. I have nursed it along, including buying the Intel-chip-compatible upgrade in 2012. It works for me, and the two of us (Quicken 2007 and I) have come to an understanding -- we get each other. I received recently...
by obafgkm
Mon Aug 26, 2019 6:40 am
Forum: Personal Investments
Topic: Suggestions From TIAA and Checkup
Replies: 39
Views: 3140

Re: Suggestions From TIAA and Checkup

OP, I think you could probably retire now if you wanted to. :shock: Have your TIAA WMA person run the numbers assuming you retired at the end of next academic year. My suspicion is you would have enough to be comfortable. So I'd probably stop voluntary 403b contributions. Let the U continue obvious...
by obafgkm
Sun Aug 25, 2019 7:30 am
Forum: Personal Investments
Topic: Suggestions From TIAA and Checkup
Replies: 39
Views: 3140

Re: Suggestions From TIAA and Checkup

Thanks again for all the responses. I’ll have to do a bit more reading of the links provided, and to search for “I-ORP” (I don’t see it immediately in the wiki). A couple of questions: My employer will contribute a percentage of my salary to my 403(b) even if I don’t contribute at all (currently $80...
by obafgkm
Sat Aug 24, 2019 7:59 am
Forum: Personal Investments
Topic: Suggestions From TIAA and Checkup
Replies: 39
Views: 3140

Re: Suggestions From TIAA and Checkup

Well, I don't plan to keep working "forever". :happy Another concern about RMDs: I have my own 403(b) and the one I inherited from my wife. Are those RMDs calculated separately? (She was ten months younger than I). Will I be in "double jeopardy" (having to take two RMDs each year), or is the total a...
by obafgkm
Sat Aug 24, 2019 6:46 am
Forum: Personal Investments
Topic: Suggestions From TIAA and Checkup
Replies: 39
Views: 3140

Re: Suggestions From TIAA and Checkup

A lot of respondents have suggested that I will be in trouble at age 70.5 with Required Minimum Distributions (RMDs). Am I correct that this is "bad" because I'll be paying higher marginal taxes than I am now? Some have said that it is okay to have cut back contributing to my 403(b), and at least on...
by obafgkm
Fri Aug 23, 2019 5:18 pm
Forum: Personal Investments
Topic: Suggestions From TIAA and Checkup
Replies: 39
Views: 3140

Re: Suggestions From TIAA and Checkup

Has the inherited spousal 403b been retitled into your name so it's treated completely as yours or are you keeping it as "inherited" for some reason? No, it is completely in my name. Not everybody knows what "Savings and Investment Plan" means at TIAA, so I wanted to indicate its provenance in my p...
by obafgkm
Fri Aug 23, 2019 10:16 am
Forum: Personal Investments
Topic: Suggestions From TIAA and Checkup
Replies: 39
Views: 3140

Re: Suggestions From TIAA and Checkup

4. Finally, with your daughter in mind.... do those fun things! My mom and I took a cross-country drive together, learned to play tennis, laughed. Just being there for each other went a long ways, but having some activities and experiences created good memories. Good luck! Thanks, HeelaMonster. It ...