Search found 282 matches

by obafgkm
Fri Sep 14, 2018 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: New Job 1 year 401k wait, advice?
Replies: 12
Views: 1390

Re: New Job 1 year 401(k) wait, advice?

Unless your job starts January 1, if you need to wait a year before contributing to the 401(k), can't you contribute as much as you can a year from now until the end of 2019?
by obafgkm
Fri Sep 14, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: Selling Internet domain name based on family last name.
Replies: 29
Views: 2654

Re: Selling Internet domain name based on family last name.

(Original poster makes a deal, but has second thoughts). I think buyer negotiated in good faith, and you should follow through. I agree. The original poster wonders if the family-name-based domain is worth more than s/he agreed to, and I'm wondering what going back on his/her word is going to do th...
by obafgkm
Thu Aug 30, 2018 12:10 am
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 11290

Re: Most commonly misused/misunderstood investing terms and concepts (on BH forum)

"I invested my IRA contribution on January 1." Because the markets aren't open until at least January 2? Or because the contribution and investment of the contribution can be two different transactions? Well, I meant the former, but thinking about the latter, the contribution can't happen on Januar...
by obafgkm
Thu Aug 09, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Credit report question - expunging invalid derogatory marks
Replies: 10
Views: 972

Re: Credit report question - expunging invalid derogatory marks

Two things come to mind: Add a statement on the credit reports saying to look at the date of when the bill was incurred, and that her birthdate was mmm dd, yyyy (to indicate that it was incurred before she could legally incur such a bill). It may do little, but somebody might recognize that she coul...
by obafgkm
Sun Aug 05, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 831
Views: 89993

Re: Netflix, Your Current Favorite Show

Frasier is the best! I've watched it at least thee times but it still entertains. I wish there were something (beyond Cheers, which I do also love!) that was similar in comedic style and equally available on Netflix/Amazon Prime. As much as I loved Cheers (my favorite sitcom), I never got into Fras...
by obafgkm
Thu Aug 02, 2018 7:45 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 737
Views: 70359

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Yet they are then making less income on your shares, while having to handle your customer service needs, I guess it works out in volume. That reminds me of one of my favorite Saturday Night Live commercials, for First CitiWide Change Bank. The bit is multipart. "'How do you make money doing this?' ...
by obafgkm
Tue Jul 31, 2018 7:03 am
Forum: Investing - Help with Personal Investments
Topic: 401k matching
Replies: 33
Views: 2353

Re: 401k matching

He is not a finance professor. He is an engineer. And I said that he was kind of joking. Yes, I agree you said he was joking. 85 minutes after the post in which you said you were "told by a professor that the fees in a 401k are so high you will have nothing when you retire." Perhaps within those 85...
by obafgkm
Mon Jul 30, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: 401k matching
Replies: 33
Views: 2353

Re: 401k matching

I am just really confused because I gave 2 weeks notice today for a federal job and the supervisor said he worked at a government job and hated it and that I should not leave either. He told me when I get there I will get paid low wages with no opportunity to make more money. So I said the governme...
by obafgkm
Mon Jul 30, 2018 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: 401k matching
Replies: 33
Views: 2353

Re: 401k matching

Is this a serious thread? Is it truly possible that a University professor could have such a stupid idea? In answer to the first question, I'm finding it hard to believe that it is serious. There seems to be a whole lot of assumptions and conclusion-jumping and conflating going on by the original p...
by obafgkm
Mon Jul 30, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5508

Re: What Should I Do About A Dying Friend's Assets?

Should the title of this thread be "What Should my Dying Friend do About His Assets?", or did the original poster (OP) have it right originally?

It might make it clearer what's happening here.
by obafgkm
Thu Jul 26, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 831
Views: 89993

Re: [What TV Show Have You Recently Watched?]

I am enjoying Cloak & Dagger on Freeform and Hulu. Nice budding romance story.
by obafgkm
Tue Jul 24, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: New book based on Millionaire Next Door
Replies: 120
Views: 16453

Re: New book based on Millionaire Next Door

I suspect, in the case of university professors, that those that are likely to become millionaires benefit from the time spent in grad school making comparatively little money, and thus avoiding early lifestyle inflation, and from professional norms that tend not to value certain kinds of consumeri...
by obafgkm
Sun Jul 22, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: High voltage powerlines near house
Replies: 72
Views: 5348

Re: High voltage power lines near house

Then, the lady mentioned that her husband passed from leukemia 4 years earlier. I ran out of there ASAP. What’s your take Bogleheads? My take is that the owner should not have mentioned her husband's cause of death. It was immaterial to the house itself and she has no proof that he died from proxim...
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: 599

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: 2587

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: 7628

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: 17186

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: 819

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: 3778

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: 5605

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: 359

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: 2807

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: 3701
Views: 1058899

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: 4978

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: 3053

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: 1083

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: 11283

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: 4253

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: 13620

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: 1270

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: 725

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: 4854

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: 3878

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: 16394

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: 5560

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: 10483

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: 638

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: 638

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: 10483

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: 3599

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: 1049

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: 1950

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: 1950

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: 1950

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: 1950

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: 2253

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: 2593

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: 57
Views: 9290

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