Search found 268 matches

by obafgkm
Mon Jul 16, 2018 6:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Looking to start a chapter in Hershey, PA
Replies: 8
Views: 455

Re: Looking to start a chapter in Hershey, PA

Thanks for taking the initiative to start the chapter!
by obafgkm
Tue Jul 10, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Should I move all my investments to Vanguard?
Replies: 31
Views: 2252

Re: Should I move all my investments to Vanguard?

Taylor Larimore often posts his list of benefits in using a single custodian. I agree and hope he doesn't mind me reposting his list! Benefits of having all investments in one company: (...) 6. With larger holdings it may be possible to qualify for lower costs and premium services (Voyager, Admiral...
by obafgkm
Thu Jun 28, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7170

Re: Are we just way over complicating this?

livesoft wrote:
Thu Jun 28, 2018 8:25 am
In 2007, when this forum started, the ticker symbol VTSMX was used routinely. Now, VTSMX hardly ever appears, but VTSAX shows up quite a lot.
Isn't that at least partly a function of Vanguard's lowering the minimum balances for most Admiral funds?
by obafgkm
Wed Jun 27, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 16498

Re: IRS publishes draft 2018 1040 - Huge changes made

I wonder where the optional Presidential Election Campaign contribution box is. I don't see it on the draft 1040.

I also wonder what the Paperwork Reduction Act Notice will say for how long this form (and other schedules) will take to complete.
by obafgkm
Sun Jun 17, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: rsu & iso [Restricted Stock Unit & Incentive Stock Option]
Replies: 12
Views: 778

Re: rsu & iso

Hi, if you define "rsu" and "iso" in your subject you might get more of a response!
by obafgkm
Sun Jun 10, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: The effect of a difficult last name on employment prospects...
Replies: 43
Views: 3641

Re: The effect of a difficult last name on employment prospects...

cheese_breath wrote:
Sun Jun 10, 2018 3:28 pm
Lee Iacocca's last name is four syllables.... but then he got fired too. :wink:
"If you can find a better name, change it!"
by obafgkm
Fri Jun 08, 2018 7:40 am
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 5239

Re: daughter wants a college transfer?

Actually, is an undergrad degree necessary to get into Med School? Take a look at the Flexner Report . The recommendations there (including an undergraduate degree as a requirement to enter medical school) revolutionized medical-school training in the United States. What passed for education before...
by obafgkm
Wed Jun 06, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: College Credit Union or National Bank for new college student
Replies: 5
Views: 332

Re: College Credit Union or National Bank for new college student

Well, I note that the Florida State University Credit Union is a member of the nationwide CO-OP Shared Branching Network , with ATM and brick-and-mortar access to a FSUCU account. If your home town is near a participating credit union, it may be beneficial to your daughter to either join the hometow...
by obafgkm
Sun Jun 03, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: Need to replace my Vizio TV..............
Replies: 35
Views: 2589

Re: Need to replace my Vizio TV..............

cartman wrote:
Sat Jun 02, 2018 8:45 pm
Unfortunately, ethnically, they are thieves.
Isn't a comment like this against board policy? What one little letter can do... :D
by obafgkm
Fri Jun 01, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3602
Views: 1028212

Re: What Movie Have You Recently Watched?

PolarPineapple wrote:
Wed May 30, 2018 7:44 am
Deadpool 2 - In theaters. Pretty solid
I just saw this tonight. Hilarious! :D
by obafgkm
Wed May 16, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: somebody is using our address
Replies: 45
Views: 4813

Re: somebody is using our address

The reason for asking is that my friend bought a home from another family nearly 3.5 years back and he said last month that they are getting mail of the previous owner's family members in the last 6 months. After reading your post, i am thinking that the previous owners are also trying to hide thei...
by obafgkm
Tue May 15, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Any experience with Blue Apron?
Replies: 34
Views: 2845

Re: Any experience with Blue Apron?

I use Blue Apron with my (young vegetarian) daughter. I perhaps do it once every six weeks or so for a variety from my cooking efforts. It is also fun to cook something different with her on weekends. I have had no problem skipping deliveries. I usually just login, make sure all orders are skipped a...
by obafgkm
Tue May 15, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Credit card with no credit history
Replies: 15
Views: 965

Re: Credit card with no credit history

Thank you all https://www.annualcreditreport.com This site is legit right? Yes, it is entirely legitimate. It was created by under federal law to provide free credit reports once a year. Why it doesn't have (1) a more intuitive website name or (2) a U.S. Government web address is another question.
by obafgkm
Tue May 15, 2018 9:20 am
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 10500

Re: Yes, I'm 89 all right!

Take care, Mr. Bogle!
by obafgkm
Mon May 14, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Do I tell Social Security I retired?
Replies: 32
Views: 4128

Re: Do I tell Social Security I retired?

Flymore wrote:
Mon May 14, 2018 7:51 pm
Retired over a year ago at 60, do I need to tell Social Security I'll have no more income?
I think Social Security will figure it out when there is no payment to your record from your employer (and no W-2 to the Internal Revenue Service).
by obafgkm
Mon May 14, 2018 1:51 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 12273

Re: The front page is ugly

I wish more internet sites were plain text like the Bogleheads landing page. The Drudge Report is one of the most visited sites on the interwebs and it is also plain text: easy to read and quick to load. Perhaps the Drudge Report is one of the most visited sites, but in my opinion it is not easy at...
by obafgkm
Tue May 08, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: annualcreditreport
Replies: 13
Views: 1188

Re: annualcreditreport

For free you can receive one report per year per person. My wife and I receive one each, spaced two months apart so that we receive 6 reports a year total. Isn't that enough? I'm not seeing the benefit of this scheme. Your wife's and your credit records are independent, right? Why not run two credi...
by obafgkm
Mon May 07, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: XOM Question
Replies: 6
Views: 683

Re: XOM Question

depeche2u wrote:
Sun May 06, 2018 3:23 pm
... My father had purchased XOM for me ...
XOM = ?
by obafgkm
Tue May 01, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter starting college and I am retiring
Replies: 45
Views: 4696

Re: Daughter starting college and I am retiring

The state of FL sponsors full ride to NMF students who are FL residents and choose to go to in-state college, like UF and others. It is a very generous offer for the smartest FL kids and their families who end up paying zero for college education. For kids that want to stay in FL after graduation, ...
by obafgkm
Tue May 01, 2018 5:29 am
Forum: Personal Finance (Not Investing)
Topic: Asked to be Executor - What questions to ask
Replies: 39
Views: 3641

Re: Asked to be Executor - What questions to ask

What about requesting the parents sit down with their children (preferably at the same time) and either letting them have a copy of the wills or at least the broad strokes of it? That way the children would all be on the same page.

Or would that cause more trouble than it is worth?
by obafgkm
Mon Apr 30, 2018 6:07 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 15315

Re: BH travel tips?

VictoriaF wrote:
Sun Apr 29, 2018 7:10 pm

On the honeymoon, things get so convoluted that it's hard to tell which way is North.
Then it's being done right!
:P
by obafgkm
Sun Apr 29, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Maple syrup
Replies: 59
Views: 5319

Re: Maple syrup

HueyLD wrote:
Sun Apr 29, 2018 6:58 am
Are you a Costco member?

If you consume a lot of maple syrup, just the savings from maple syrup alone can pay for the membership cost.
Wouldn't that be true for any item at Costco? :P
by obafgkm
Fri Apr 27, 2018 5:30 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9816

Re: How did you tell the boss you're leaving/retiring?

...Accrued SL is used to add to your service credit. So if you have 19 years and 7 months of service, and you have 5.5 months of SL accrued but not used - it's counted as if you have 20 years and .50 months of service credit. I would caution people to do their math - if you have service credit calc...
by obafgkm
Thu Apr 26, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Cannot buy State-Specific Funds Unless you live in that State?
Replies: 10
Views: 615

Re: Cannot buy State-Specific Funds Unless you live in that State?

Hogan773 wrote:
Thu Apr 26, 2018 3:17 pm
That would have assumed I read the prospectus...
But, but... you have to read the prospectus fully before buying a mutual fund... :shock:
by obafgkm
Thu Apr 26, 2018 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Cannot buy State-Specific Funds Unless you live in that State?
Replies: 10
Views: 615

Re: Cannot buy State-Specific Funds Unless you live in that State?

From page 5 of the Prospectus for Vanguard California Intermediate-Term Tax-Exempt Fund (VCAIX). (This is the first page discussing VCAIX): "The Fund is intended for California residents only." I don't know why Vanguard limits it, but I wouldn't have even tried to buy it, after reading the prospectu...
by obafgkm
Thu Apr 26, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9816

Re: How did you tell the boss you're leaving/retiring?

samsoes wrote:
Thu Apr 26, 2018 10:04 am
He and his wife are lovin' life, on month+ long crises a couple of times a year with a very active social life...
I don't think I could live like that. I'd need to take a vacation...
:P
by obafgkm
Wed Apr 18, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Suddenly I had a weird bill go to collections - what's my course of action?
Replies: 36
Views: 3493

Re: Suddenly I had a weird bill go to collections - what's my course of action?

NotWhoYouThink wrote:
Wed Apr 18, 2018 10:39 am
Weekends are a bad time to get bad news, aren't they?
My experience is that bad news of this type almost always shows up in the mail Friday after close of business. :oops:
by obafgkm
Sun Apr 08, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the resolution of two commas
Replies: 4
Views: 1015

Re: Improving the resolution of two commas

I had a similar thought four months ago and posted it here.

I claim priority. :P
by obafgkm
Tue Apr 03, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Moving FROM Vanguard Admiral-Class TO Vanguard Investor-Class
Replies: 11
Views: 1875

Re: Moving FROM Vanguard Admiral-Class TO Vanguard Investor-Class

By using a TF you'll never be out of the market, which seems to be your major concern. Thanks for the thought. It's funny, until a few years ago being out of the markets for a few days didn't bother me. It is something I learned from Bogleheads :happy . In the past (1990s up to about six years ago)...
by obafgkm
Tue Apr 03, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Moving FROM Vanguard Admiral-Class TO Vanguard Investor-Class
Replies: 11
Views: 1875

Re: Moving FROM Vanguard Admiral-Class TO Vanguard Investor-Class

I don't quite understand why you cannot move Admiral shares to Fidelity and have Fidelity sell them for you. That would be the same as moving Investor shares to Fidelity and having Fidelity sell them for you. Molehill. Mountain. I agree with you, livesoft . I don't understand it either. HueyLD and ...
by obafgkm
Tue Apr 03, 2018 5:18 am
Forum: Investing - Help with Personal Investments
Topic: Moving FROM Vanguard Admiral-Class TO Vanguard Investor-Class
Replies: 11
Views: 1875

Re: Moving FROM Vanguard Admiral-Class TO Vanguard Investor-Class

I would liquidate those funds and buy Fidelity three fund equivalents which are fine and cheaper. I wasn't clear in my original post. I do plan to put the money in the Fidelity equivalents. I've edited the original post to reflect that. I'd rather stay in the market during the transfer time, so con...
by obafgkm
Mon Apr 02, 2018 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Moving FROM Vanguard Admiral-Class TO Vanguard Investor-Class
Replies: 11
Views: 1875

Moving FROM Vanguard Admiral-Class TO Vanguard Investor-Class

I want to move my Roth IRA money from Vanguard to Fidelity. They are in a standard three-fund portfolio of Admiral-class funds. I know that I cannot move Admiral funds from Vanguard to Fidelity. Edited to add: My ultimate goal is to put them in the equivalent Fidelity funds. My choices, as I underst...
by obafgkm
Sun Apr 01, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: Hand and bath towels- keep them or toss
Replies: 14
Views: 2206

Re: Hand and bath towels- keep them or toss

I would not toss them, but either give them to charity (if they are truly new or close to it) or if they are well-used, keep them for rags.

Either way, make sure your spouse/partner is on board before you two do anything.
by obafgkm
Thu Mar 29, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Do I really have to pay estimated taxes this year?
Replies: 19
Views: 2484

Re: Do I really have to pay estimated taxes this year?

111 wrote:
Thu Mar 29, 2018 5:58 am
... the capital gains took me from a $250 refund to ~$2500 payment to the IRS ...
Actually, it is to the United States Treasury. There is a difference! :happy
by obafgkm
Fri Mar 16, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: This is not a typical medical collections issue- what to do?
Replies: 52
Views: 8154

Re: This is not a typical medical collections issue- what to do?

mhadden1 wrote:
Fri Mar 16, 2018 1:51 pm
This is such a bind for everybody. Will these problems never be definitely resolved? :? :? :?
Yes, there is a way that we could resolve these problems, but we are not allowed to discuss it here. :annoyed
by obafgkm
Tue Mar 06, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 180
Views: 21906

Re: Torn between Vanguard, Fidelity and Schwab

They fail to mention that their MF has a minimum of $1,000, and that when Fidelity or Vanguard comparable MF's reach $10,000 invested, the ER's drop to .03% and .04% respectively. Kind of disingenuous in my opinion. I didn't see the commercial, but I'm surprised Schwab didn't mention its low requir...
by obafgkm
Sat Feb 24, 2018 6:41 am
Forum: Personal Finance (Not Investing)
Topic: How Do People Without Computer Access Prepare and File Their Taxes?
Replies: 53
Views: 3394

Re: How Do People Without Computer Access Prepare and File Their Taxes?

That said, my patience with tedious IRS forms is limited. I hate the convoluted way that some of the worksheets lead you around without disclosing the relatively simple underlying formula they are trying to get you to implement. (An amusing parody of this process: If the IRS had discovered the quad...
by obafgkm
Sat Feb 24, 2018 6:40 am
Forum: Personal Finance (Not Investing)
Topic: How Do People Without Computer Access Prepare and File Their Taxes?
Replies: 53
Views: 3394

Re: How Do People Without Computer Access Prepare and File Their Taxes?

flamesabers wrote:
Fri Feb 23, 2018 10:21 am
Do you have family members or friends who would let you use their computer/printer to do your taxes?
TravelGeek wrote:
Fri Feb 23, 2018 10:59 am
My library has both.
Your library has your family members and friends? :confused :P
by obafgkm
Wed Feb 21, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Deducting Scholarly Book Donation - Form 8283 Question
Replies: 1
Views: 121

Deducting Scholarly Book Donation - Form 8283 Question

My wife died a few years ago; she was a college professor (in the humanities) at the time of her death. In 2017 I finally cleaned out her home office (hundreds of scholarly books!) and donated them to her college’s library. I received a “Deed of Gift” for the books as well as a spreadsheet of the bo...
by obafgkm
Tue Feb 20, 2018 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: House rewiring - cost of copper
Replies: 29
Views: 2225

Re: House rewiring - cost of copper

killjoy2012 wrote:
Tue Feb 20, 2018 8:52 pm
While no, no one knows if CU will go up or down in price, CU did spike 5-6 years ago and almost doubled the cost of a 250' roll of 12/2 or 14/2 Romex - that's a fact.
"CU"? Is that "Consumer's Union"? In context, I doubt it.

Do you mean to type "Cu" for copper?
by obafgkm
Sat Feb 10, 2018 6:49 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 533600

Re: What's Your Credit Card Rewards Strategy?

MrNewEngland wrote:
Fri Feb 09, 2018 4:16 pm

I've never used Apple Pay before. Is it the same as the "wallet" on the iPhone? I don't use that either.
Apple Pay uses the "Wallet" on the iPhone.
by obafgkm
Fri Feb 09, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 533600

Re: What's Your Credit Card Rewards Strategy?

This Chase Freedom quarter is ridiculously easy to maximize. Mobile pay is accepted at most places, including supermarkets and quite a few stores and gas is an easy few hundred dollars this quarter. Just go to the supermarket, buy gift cards at the end of the quarter, use mobile pay. Done. I'd neve...
by obafgkm
Sun Feb 04, 2018 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: New ROTH IRA Strategies
Replies: 30
Views: 4163

Re: New Roth IRA Strategies

JBTX wrote:
Sat Feb 03, 2018 8:35 pm
Seriously? Now we are giving advice on proper capitalization of investment terms?
Of course. The whole purpose of this website (and the forums associated with it) is to help investors, including (in my humble opinion) the use of proper terms for clarity.
by obafgkm
Fri Feb 02, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: New ROTH IRA Strategies
Replies: 30
Views: 4163

Re: New Roth IRA Strategies

cam240 wrote:
Fri Feb 02, 2018 4:09 pm
My wife and I just opened two ROTH IRAs.
There is no such thing as a "ROTH IRA." It is simply a "Roth IRA", named after Senator William Roth.
by obafgkm
Thu Feb 01, 2018 8:11 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 9784

Re: Fewer acronyms please

I remember with fondness the thread subject which had the abbreviation “IA”. It meant “Iowa”.

Of course it does. But really, two more keystrokes isn’t too much to ask... :annoyed
by obafgkm
Mon Jan 29, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: 401k & the Stock Market
Replies: 12
Views: 1654

Re: 401k & the Stock Market

And I get paid on the 15th and last day of the month, unless it is a weekend or holiday, when I get paid the previous business day. My 403(b) money is invested the same day, so I go into the market any weekday, with a slight preference for Fridays, because of the weekend/holiday provision.
by obafgkm
Mon Jan 29, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 9550

Re: WHY do wireless routers need periodic reboots?

I have had the same Apple AirPort Extreme wireless router for at least ten years, and I've had to reboot just once. No firmware updates? Well, okay, I should have written "... had to reboot because of a glitch just once." The AirPort Extreme still works when an update is needed. The update is very ...
by obafgkm
Mon Jan 29, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 9550

Re: WHY do wireless routers need periodic reboots?

sambb wrote:
Sun Jan 28, 2018 9:01 pm
have never had to reboot my apple system ever
I have had the same Apple AirPort Extreme wireless router for at least ten years, and I've had to reboot just once.
by obafgkm
Sat Jan 27, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: 401k or 403b for part-time spouse
Replies: 6
Views: 402

Re: 401k or 403b for part-time spouse

Whew! I'm glad "part-time spouse" didn't mean what I thought it meant! :P