Search found 165 matches

by Pete12
Sun Dec 10, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: Best Parmesan Cheese for Salad
Replies: 29
Views: 1498

Re: Best Parmesan Cheese for Salad

FB01 wrote:
Sun Dec 10, 2017 9:20 pm
From which store you get the Pecorino Romano?
I normally buy it at Costco but have also seen it in Whole Foods and Stop & Shop.
by Pete12
Sun Dec 10, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Best Parmesan Cheese for Salad
Replies: 29
Views: 1498

Re: Best Parmesan Cheese for Salad

Try grated Pecorino Romano instead of Parmesan. It has a much bolder flavor, I prefer it on pasta and salad over Parmesan.
by Pete12
Sun Dec 10, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Espresso Machine suggestions?
Replies: 40
Views: 2231

Re: Espresso Machine suggestions?

Nespresso here but we only use it on the weekends, capsules are expensive but it makes a great latte or espresso. The best coffee maker I have ever owned is a $3 Pour Over Single Cup Brewing Cone that I bought on Amazon. During the week I grind up my beans (from Costco of course) very fine and make ...
by Pete12
Sun Dec 10, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Cheap outdoor floor covering?
Replies: 6
Views: 615

Re: Cheap outdoor floor covering?

Thanks all. I will look into finding a remnant piece and also the Home Depot option. I had considered rubber tiles but was concerned how they would hold up with folding chairs / high heels etc..
by Pete12
Sat Dec 09, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Cheap outdoor floor covering?
Replies: 6
Views: 615

Cheap outdoor floor covering?

We are renting a tent for a backyard event we are hosting at home over the holidays. It is a 15x20 tent and will be set up on a cement patio. I would like to have some kind of floor covering such as an outdoor carpet or rug material over the cement. The tent guy quoted us $160 to rent strips of arti...
by Pete12
Thu Dec 07, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: Beefy Brothy Stocky Thing Advice
Replies: 15
Views: 1744

Re: Beefy Brothy Stocky Thing Advice

http://betterthanbouillon.com/ +1000 This stuff is a godsend in our kitchen- it’s in constant use at this time of year for soups, stews, gravies etc. It has a great flavor with none of the “tinny” notes of canned broths. Also a fraction of the cost per serving, especially when purchased at Costco.
by Pete12
Fri Nov 24, 2017 6:01 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Screwed Up My Cost Basis - FIFO Instead of Spec ID
Replies: 12
Views: 1471

Re: Vanguard Screwed Up My Cost Basis - FIFO Instead of Spec ID

It has happened to me a couple of times as well- they have used FIFO instead of SpecID upon a sale. They will correct it if you contact them, but it's up to you to catch the error in the first place. Take screenshots of all submitted transactions with them in case needed in the future!
by Pete12
Tue Nov 14, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7805

Re: Do you meditate?

That's a sign that it's working:) LOL, this typically happens to people who are baseline anxious and sleep deprived. This is very interesting. So are you saying that you basically have to keep going and accept that you may get sleepy or even fall fully asleep in the early days of meditating? If tha...
by Pete12
Sat Nov 11, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7805

Re: Do you meditate?

Sandtrap wrote:
Sat Nov 11, 2017 12:10 pm
Simple is better.
^^^ This
by Pete12
Sat Nov 11, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7805

Re: Do you meditate?

I've tried it on and off over the years but have never seemed to be able to get to grips with it. All it seems to achieve for me is that I get very sleepy! There's got to be a Boglehead way to do it - i.e. a simple method with which you can stay the course... would love to hear any practical tips yo...
by Pete12
Thu Nov 09, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: What do you think of this LTCI policy?
Replies: 10
Views: 425

Re: What do you think of this LTCI policy?

Nate79 wrote:
Thu Nov 09, 2017 11:38 am
What happens if she leaves employment? Does the policy continue as is and transfers to her under the same payment plan?
Yes, coverage is portable under this plan. I will edit OP to include this.
by Pete12
Thu Nov 09, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: What do you think of this LTCI policy?
Replies: 10
Views: 425

Re: What do you think of this LTCI policy?

$2400/year (assuming she is 40) sounds kind of high. Spouse and I are paying twice that ($2400 each) for a comparable policy and we're in our 70s. I think the difference here is that under the proposed policy, the policy is fully paid up at age 65 with no further premiums... What age were you when ...
by Pete12
Thu Nov 09, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: What do you think of this LTCI policy?
Replies: 10
Views: 425

Re: What do you think of this LTCI policy?

Pajamas wrote:
Thu Nov 09, 2017 10:28 am
If you don't know how much it will actually cost, it's difficult to analyze.
That's true, but I have not come yet across any other policies out there that feature guaranteed fixed premiums.
by Pete12
Thu Nov 09, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: What do you think of this LTCI policy?
Replies: 10
Views: 425

What do you think of this LTCI policy?

My wife (currently age 40) has been offered a long term care insurance plan through her work. Assuming for now that we have decided we want her to have some sort of LTCI, what do you think of this particular policy: Nursing Facility Benefit: $6,000.00 per month Home Care Coverage: 100% Professional ...
by Pete12
Mon Oct 30, 2017 2:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or Not - Get One? How did you choose?
Replies: 128
Views: 6614

Re: To Avatar or not to Avatar . . how did you choose or not choose?

Mine speaks for itself...

Just received my copy of the new edition of Mr. Bogle's "The Little Book of Common Sense Investing". I am trying to savor it and not finish it too quickly!
by Pete12
Tue Oct 03, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Two Nights in Quebec City - Must See Suggestions, anyone?
Replies: 16
Views: 1342

Re: Two Nights in Quebec City - Must See Suggestions, anyone?

We had booked a regular room for our trip at the Chateau Frontenac. When we checked in there were a couple of problems with the room, so they upgraded us to the club level. Our new room was in one of the turrets at the top! It was a very cool experience. Don't miss the honey from the bee hives on th...
by Pete12
Mon Oct 02, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: Two Nights in Quebec City - Must See Suggestions, anyone?
Replies: 16
Views: 1342

Re: Two Nights in Quebec City - Must See Suggestions, anyone?

As you only have two nights I would stick to the old town area. The citadel and the Plains of Abraham can be explored in half a day. Check out the Chateau Frontenac as well which is close by. Be sure to ride the funicular too. We also did a walking food tour which was an enjoyable way to spend a few...
by Pete12
Thu Jul 27, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit my 6-figure job?
Replies: 84
Views: 9640

Re: Should I Quit my 6-figure job?

I left a 6 figure job when I was in my early 30's hated it. I tried a few others things that eventually convinced me that the grass wasn't greener somewhere else and happiness was within me. So I started a business. That was 21 years ago. Never looked back after that. I was in a similar position ab...
by Pete12
Fri Jul 14, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Big change in our situation affecting our AA- how to handle?
Replies: 11
Views: 1243

Re: Big change in our situation affecting our AA- how to handle?

Thanks again all, I understand the concept of looking at it like any other asset purchase such as a home or a car. One thing I hadn't really thought of before was that it's not like investing in a total bond index fund- since the funds are all tied up in one firm there is some risk due to non-divers...
by Pete12
Thu Jul 13, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Big change in our situation affecting our AA- how to handle?
Replies: 11
Views: 1243

Re: Big change in our situation affecting our AA- how to handle?

Thanks all, The interest will be subject to both income and self-employment tax as far as I can gather.... I understand the point about ignoring the capital account, but this is money we would have otherwise invested so psychologically having a hard time with that concept... TomatoTomahto- Neither w...
by Pete12
Thu Jul 13, 2017 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Big change in our situation affecting our AA- how to handle?
Replies: 11
Views: 1243

Big change in our situation affecting our AA- how to handle?

My wife has just been made a partner in the firm she works at – as part of this she has to buy into the firm by funding a capital account with a certain amount. The capital account will receive interest at 5%. If she leaves the firm, the account would be repaid to her. She plans to fund the account ...
by Pete12
Thu Jul 13, 2017 8:55 am
Forum: Investing - Theory, News & General
Topic: Video showing how buying indexed universal life leaves you worse off versus investing in stocks & bonds.
Replies: 6
Views: 797

Re: Video showing how buying indexed universal life leaves you worse off versus investing in stocks & bonds.

I haven't clicked on the links, but poster Bogle_Feet has been pretty consistent in his recommendations for videos, as in this thread. So consistent, in fact....well, never mind. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=221805&p=3421885#p3421885 Great thanks! This was the one: https://w...
by Pete12
Tue Jul 11, 2017 7:36 pm
Forum: Investing - Theory, News & General
Topic: Video showing how buying indexed universal life leaves you worse off versus investing in stocks & bonds.
Replies: 6
Views: 797

Re: Video showing how buying indexed universal life leaves you worse off versus investing in stocks & bonds.

I don't know if this is what you were looking for, but take a look. Scroll down to the post by BL, which contains several links. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=218347&p=3359599&hilit=indexed+universal+life#p3359599 If that's not it, take a look here: https://www.bogleheads.org...
by Pete12
Tue Jul 11, 2017 12:35 pm
Forum: Investing - Theory, News & General
Topic: Video showing how buying indexed universal life leaves you worse off versus investing in stocks & bonds.
Replies: 6
Views: 797

Video showing how buying indexed universal life leaves you worse off versus investing in stocks & bonds.

A while ago someone here posted a link to a Youtube video of a person using an Excel spreadsheet to demonstrate how buying an indexed universal life policy was worse than investing in stocks & bonds. I can't for the life of me find it again, either by searching here, or on Google. Would someone be k...
by Pete12
Wed Jun 28, 2017 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Best Alternative to Vanguard (Taxable Investing)
Replies: 12
Views: 1015

Re: Best Alternative to Vanguard (Taxable Investing)

Assuming OP works for PWC he/she/they may be interested in this question I asked a while back: viewtopic.php?t=196357
by Pete12
Mon Apr 24, 2017 9:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard corrected 1099B is now incorrect
Replies: 20
Views: 3149

Re: AARRGGHH

Doc wrote:Just got number 4 correction from Schwab.

Vanguard 2 vs. Schwab 4
Surely this has to be a record!!
by Pete12
Tue Mar 28, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Timing of contributions to taxable and retirement accounts (not market timing!)
Replies: 5
Views: 671

Re: Timing of contributions to taxable and retirement accounts (not market timing!)

Thanks all, seems like there's not much difference then. I'm self employed so employer match does not come into play...
by Pete12
Mon Mar 27, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Timing of contributions to taxable and retirement accounts (not market timing!)
Replies: 5
Views: 671

Timing of contributions to taxable and retirement accounts (not market timing!)

I am fortunately in the position to max out the “employee” portion of my solo 401k for 2017 already. I also do my “employer” portion of 401k contributions each quarter based on estimated profit after SE tax deduction. I will also have some surplus cash to invest in taxable over the course of the yea...
by Pete12
Wed Mar 22, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 4414

Re: What is your preferred Weather App?

+1 for Weather.gov, the mobile site is easy to use. They give the weather to you straight, no hype, and no ads.
by Pete12
Sat Mar 18, 2017 11:40 am
Forum: Investing - Theory, News & General
Topic: Bogle Interview CNN - Sat.
Replies: 71
Views: 6264

Re: Bogle Interview on CNN Today - Link

Great interview. I loved what he said when asked if he had any regrets about not having made more money from founding Vanguard. It meant he had less to give away to good causes...
by Pete12
Wed Mar 15, 2017 2:35 pm
Forum: Investing - Theory, News & General
Topic: BND Jumps 0.5% on Fed Announcement
Replies: 43
Views: 5004

Re: BND Jumps 0.5% on Fed Announcement

This is a good lesson which proves our Boglehead ways are best: ignore the noise, stay the course...
by Pete12
Wed Mar 15, 2017 9:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard corrected 1099B is now incorrect
Replies: 20
Views: 3149

Re: Vanguard corrected 1099B is now incorrect

Finally received the 2nd corrected 1099B from Vanguard which now matches exactly back to the original one! So it looks like we are all good now. To be honest I was expecting much more of a hassle with Vanguard to get this resolved, but in the end it just took one email to them and it was taken care ...
by Pete12
Sat Mar 11, 2017 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard taxable experience in 2017
Replies: 6
Views: 968

Re: Vanguard taxable experience in 2017

I've been having an ongoing issue that I have posted about here: https://www.bogleheads.org/forum/viewtopic.php?p=3274345 In fairness it seems to be getting fixed but I think the lesson is that you really do need to continuously monitor your account to spot errors. Most Bogleheads probably are quite...
by Pete12
Fri Mar 10, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 13483

Re: What to do with all these passwords ?

Quite honestly I have them all written down in a little book that is hidden away, my wife knows where it is! I have looked at those online password managers, but what happens when they get hacked?
by Pete12
Thu Mar 09, 2017 4:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard corrected 1099B is now incorrect
Replies: 20
Views: 3149

Re: Vanguard corrected 1099B is now incorrect

Yikes! I knew that Charles Schwab always messes up the 1099B calculations, so you have to do cost basis by hand yourself. But I never imagined I'd have to watch out at Vanguard, too. I have read here that Vanguard has had cost basis issues for a lot of folks who transitioned from their mutual funds...
by Pete12
Thu Mar 09, 2017 12:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard corrected 1099B is now incorrect
Replies: 20
Views: 3149

Re: Vanguard corrected 1099B is now incorrect

Heard back from Vanguard last night, they have escalated the issue to the resolution department- requested I give them until first week of April for a reply. Then this morning I got an email stating that my "brokerage transaction confirmation is available." Logged on and it looks like my t...
by Pete12
Tue Mar 07, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard corrected 1099B is now incorrect
Replies: 20
Views: 3149

Re: Vanguard corrected 1099B is now incorrect

Doing some more digging on this while I'm waiting to hear back from Vanguard. Looking at the lots I still own of Total International Index, Vanguard is now showing I still own lots that were clearly sold and that show up as sold on my trade confirmation! So this seems to be more than just a tax repo...
by Pete12
Mon Mar 06, 2017 10:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard corrected 1099B is now incorrect
Replies: 20
Views: 3149

Re: Vanguard corrected 1099B is now incorrect

Do you have any email confirmations/ statements from that time showing the method of accounting you chose? I have found Vanguard reps realize their system's stupidity better if you make them read out their own confirmation and then show how the system actually did something else. In the long run, i...
by Pete12
Mon Mar 06, 2017 8:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard corrected 1099B is now incorrect
Replies: 20
Views: 3149

Vanguard corrected 1099B is now incorrect

Vanguard sent me a corrected 1099B today for my brokerage account, but the corrected version is now incorrect! The original version was correct. I sold some lots of Total International Index Admiral on 11/23/16 using specific ID cost basis method as part of a TLH (first time doing this and I was pra...
by Pete12
Mon Feb 27, 2017 8:28 am
Forum: Investing - Theory, News & General
Topic: "Buffett: Indexing the Best Choice for Investors Large and Small"
Replies: 16
Views: 2981

Re: "Buffett: Indexing the Best Choice for Investors Large and Small"

I loved what Buffett wrote about Jack Bogle in his letter: "If a statue is ever erected to honor the person who has done the most for American investors, the hands- down choice should be Jack Bogle. For decades, Jack has urged investors to invest in ultra-low-cost index funds. In his crusade, h...
by Pete12
Fri Feb 17, 2017 12:09 pm
Forum: Investing - Theory, News & General
Topic: Just made 2017 IRA contributions... so relaxing!
Replies: 7
Views: 1261

Re: Just made 2017 IRA contributions... so relaxing!

fantasytensai wrote:Congrats! Just a friendly reminder that you can still contribute to your 2016 IRA until 4/18.

Thanks! We managed to do our 2016 contribution last summer, unfortunately prior to that we missed out due to the way the cookie crumbled...
by Pete12
Fri Feb 17, 2017 11:13 am
Forum: Investing - Theory, News & General
Topic: Just made 2017 IRA contributions... so relaxing!
Replies: 7
Views: 1261

Just made 2017 IRA contributions... so relaxing!

Almost 8 months in of being officially a "Boglehead"... Today I made our 2017 Roth IRA contributions at Vanguard and I have to say it was such a relaxing experience! No agonizing about what will happen with the markets, no listening to my old FA drone on and on while proposing 8 different ...
by Pete12
Sat Feb 04, 2017 10:08 am
Forum: Local Chapters and Bogleheads Community
Topic: Amazon Smile: John C Bogle Center
Replies: 22
Views: 4044

Re: Amazon Smile: John C Bogle Center

Just ordered a rather expensive toner cartridge from Amazon this morning - should be a few more pennies for the cause!
by Pete12
Sat Feb 04, 2017 10:06 am
Forum: Investing - Help with Personal Investments
Topic: All investments with Vanguard - Should I diversify
Replies: 19
Views: 2305

Re: All investments with Vanguard - Should I diversify

We have our retirement accounts at Fidelity, taxable account at Vanguard. It wasn't specifically planned this way but I am happy with how it ended up and I am not looking to consolidate further.
by Pete12
Wed Feb 01, 2017 6:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: Amazon Smile: John C Bogle Center
Replies: 22
Views: 4044

Amazon Smile: John C Bogle Center

Bogleheads: For the past few months whenever ordering something from Amazon.com, I have used Amazon Smile to get a donation to the John C Bogle Center for Financial Literacy. An interesting link popped up today when placing an order which allows one to see the amount donated so far. The grand total ...
by Pete12
Mon Jan 30, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Single Malt Scotch-time for another thread?
Replies: 69
Views: 7493

Re: Single Malt Scotch-time for another thread?

Talisker 10 here on a cold, snowy winter night, the wind howling outside, when I am brooding and in need of some contemplation on life...
by Pete12
Mon Jan 30, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: Is joining a country club a character flaw?
Replies: 101
Views: 9773

Re: Is joining a country club a character flaw?

I think if you join the right club it can be a rewarding experience. We have been members of our local club for the past 5 years. It’s quite a small club (approx. 300 members) and is very family oriented. We have sailing, tennis courts, a swimming pool and a bowling alley. For us it’s a very social ...