Search found 135 matches

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: 2
Views: 127

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: 3166

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: 41
Views: 3686

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: 4181

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: 14
Views: 1695

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: 786

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: 104
Views: 5880

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: 14
Views: 1695

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: 14
Views: 1695

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: 14
Views: 1695

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: 14
Views: 1695

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: 14
Views: 1695

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: 2538

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: 956

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: 956

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: 17
Views: 2130

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: 1816

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: 17
Views: 2130

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: 5817

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: 8105

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 ...
by Pete12
Wed Jan 25, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Naked Wines
Replies: 9
Views: 1366

Re: Naked Wines

PaulF wrote:I think the OP was referring to the wine club https://us.nakedwines.com/?region=WI

I think Woodshark is referring to Simply Naked Winery http://www.simplynakedwines.com/where-to-buy.php

Thank you, yes I was referring to the former.
by Pete12
Wed Jan 25, 2017 2:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 7824

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Dear Taylor,

Happy Birthday! Wishing you all the very best of health and happiness!

Pete
by Pete12
Tue Jan 24, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Naked Wines
Replies: 9
Views: 1366

Naked Wines

Has anyone here ordered from Naked Wines? (us.nakedwines.com) A friend of mine in the UK (who imports fine cheeses for a living) was raving about them although it seems the UK version has a larger selection of wines than the US version. I normally buy my wine at Costco but lately have been feeling a...
by Pete12
Fri Jan 13, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Thinking about leaving Ameriprise
Replies: 40
Views: 1628

Re: Thinking about leaving Ameriprise

My old FA at HSBC told me he considered me a "friend" a while ago. Since moving over to index funds at Fidelity I haven't heard from him since. Some "friend"!
by Pete12
Mon Dec 19, 2016 8:17 pm
Forum: Personal Consumer Issues
Topic: Omaha Steaks....Who else for mail-order steaks?
Replies: 26
Views: 2718

Re: Omaha Steaks....Who else for mail-order steaks?

Pat LaFrieda - http://www.lafrieda.com/ Sells dry aged and Prime beef. Much much better than Omaha but probably significantly more expensive. +1 for Pat LaFrieda. The steaks come fresh and individually wrapped in vacuum packs. We've had equal success cooking them fresh out of the pack, and also fre...
by Pete12
Wed Dec 07, 2016 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Another "emergency fund in muni bonds" question...
Replies: 14
Views: 1390

Re: Another "emergency fund in muni bonds" question...

This is true, for now. Vanguard's long-term muni funds have often been pretty close to intermediate-term funds in duration, and they've sometimes been called "long intermediate-term funds." However, duration is a snapshot, and it's really meant to help compare volatility. Duration can cha...
by Pete12
Tue Dec 06, 2016 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Another "emergency fund in muni bonds" question...
Replies: 14
Views: 1390

Re: Another "emergency fund in muni bonds" question...

Personally, I'm not a fan of long-term bond funds in general, and I've always invested in intermediate term funds just because of the volatility. Using a long-term bond fund for an "emergency fund" wouldn't be my first choice but others will disagree. I would tend to agree with you, howev...
by Pete12
Tue Dec 06, 2016 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Another "emergency fund in muni bonds" question...
Replies: 14
Views: 1390

Re: Another "emergency fund in muni bonds" question...

The first thing that's overlooked is that the canonical "emergency" is job loss, but that's a very special case due to the existence of unemployment compensation in most states for most "good jobs." That's a great point and I have never really factored that in to anything. In ou...
by Pete12
Tue Dec 06, 2016 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Another "emergency fund in muni bonds" question...
Replies: 14
Views: 1390

Re: Another "emergency fund in muni bonds" question...

Emergency funds can be used for a variety of "emergencies." If the emergency is immediate, are you going to be OK with selling shares in your long-term bond fund at a significant loss? It can take quite a bit of interest to make up for a short-term loss in principal. I agree there is some...
by Pete12
Tue Dec 06, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 114
Views: 7127

Re: Flying Across Atlantic with 98th Percentile 18-Month Child

We fly from the East Coast US to England once a year to see family. When my son was 13 months old we made the mistake of flying with him as a lap child. Now he was not a particularly wiggly toddler, but by the end of each flight every person on the plane knew his name, between us yelling at him to k...
by Pete12
Tue Dec 06, 2016 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 45
Views: 3686

Re: Fidelity or Vanguard

We use both- Vanguard for our taxable account and Roth IRAs, Fidelity for 401(k) plans. Both have been fine, although I have never needed to call Vanguard about anything. The website is a bit clunky compared to Fidelity but once you are accustomed to it it's fine. Haven't had any issues with record ...
by Pete12
Tue Dec 06, 2016 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Another "emergency fund in muni bonds" question...
Replies: 14
Views: 1390

Another "emergency fund in muni bonds" question...

We currently have 6 months worth of living expenses in our emergency fund, sitting in a 1% interest FDIC insured account. We are in the top tax bracket for Federal and NY state, as well as subject to AMT. All available retirement accounts and HSA are maxed out each year. We are very fortunate in tha...
by Pete12
Wed Nov 30, 2016 1:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 62
Views: 5517

livesoft is almost at 50,000 posts...

Can you feel the excitement...

Seriously though, I would like to thank livesoft for chiming in on some of my questions over the past few months- I do enjoy reading the responses and I'm sure I'm not alone here in being grateful for the wit and wisdom.

Thank you livesoft! :sharebeer
by Pete12
Wed Nov 30, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: FIRE how do you live now
Replies: 56
Views: 7334

Re: FIRE how do you live now

What a nice thread and some wonderful things to aspire to here. However being in my early 40s with a wife, 2 kids, and a mortgage I am conscious that the only time that exists is the present- the past is gone and future hasn't happened yet. I try hard to make the most of each day as it comes and be ...
by Pete12
Mon Nov 28, 2016 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Disputing fat hospital bill?
Replies: 33
Views: 3543

Re: Disputing fat hospital bill?

Also I don't pay any provider until I have the EOB and verify its correct. Agreed- don't do anything until you have received your EOB and reconciled it to your invoice. Last month I received an invoice from my kids' pediatrician for $550 for their annual well visits. When the EOB came, it stated th...
by Pete12
Mon Nov 21, 2016 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: How closely do Vanguard fund and ETF versions track each other?
Replies: 8
Views: 987

Re: How closely do Vanguard fund and ETF versions track each other?

I see what you mean- today VTIAX was up 0.08% but VXUS was up 0.89%, quite a large difference on a single day basis so probably not as foolproof as I thought for the purpose of my TLH question.. Please check that you are not using one of those "Fake News" sites to get your misinformation....
by Pete12
Mon Nov 21, 2016 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: How closely do Vanguard fund and ETF versions track each other?
Replies: 8
Views: 987

Re: How closely do Vanguard fund and ETF versions track each other?

It's actually not necessarily all that close on the daily scale because Vanguard's fair-value pricing for NAV doesn't really track what the market thinks. What you see is that the price changes for several different international stock ETFs tend to be pretty similar, but there's some divergence wit...
by Pete12
Mon Nov 21, 2016 8:47 am
Forum: Investing - Help with Personal Investments
Topic: How closely do Vanguard fund and ETF versions track each other?
Replies: 8
Views: 987

How closely do Vanguard fund and ETF versions track each other?

I'm thinking of doing some tax loss harvesting this week with some lots held in Vanguard Total International Admiral (VTIAX). It won't be a huge amount, just looking for some practice as this will be my first time doing this. Some of the lots are only just in the red, and I would like to avoid placi...
by Pete12
Tue Nov 15, 2016 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa foreign transaction fee
Replies: 37
Views: 5951

Re: Costco Visa foreign transaction fee

That's very interesting. Before my recent trip to Europe, I called CITI and specifically asked them if there would be a foreign transaction fee if I used my Costco Citi card in Europe, and I was told that there would be. So I used my CapOne Venture card instead, which I knew wouldn't assess a fee. ...
by Pete12
Mon Nov 14, 2016 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa foreign transaction fee
Replies: 37
Views: 5951

Re: Costco Visa foreign transaction fee

Well I'm going to give it a try based on the replies- will charge the deposit for the trip and see what happens.... If i get charged the fee then I will pay the balance with my HSBC premier mastercard which I know doesn't charge fees. So I went ahead and charged the deposit yesterday which was for ...
by Pete12
Tue Nov 01, 2016 4:33 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 3966

Re: How do you make your Martini?

WildBill wrote:In my view the tinkle of ice cubes in the martini shaker at sundown is one of the great hallmarks of civilization.

Agreed. To quote Winston Churchill: "I have taken more out of alcohol than alcohol has taken out of me."
by Pete12
Tue Nov 01, 2016 9:41 am
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 102
Views: 13661

Re: Costco rotisserie chicken

Pajamas wrote:Trader Joe's carries those and I wouldn't be surprised if they were from the same supplier. They will probably cost more than they do at Aldi.

I will go and take a look- thanks!
by Pete12
Mon Oct 31, 2016 8:09 pm
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 102
Views: 13661

Re: Costco rotisserie chicken

Pete12 - you're famous!! I think many Vanguard employees bring it to work for lunch and read your entire thread for ideas. In fact, at the Boglehead Conference, during the Q&A session at Vanguard, in response to the question "What has Vanguard learned from the Bogleheads?" - Maria Bru...
by Pete12
Mon Oct 31, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 102
Views: 13661

Re: Costco rotisserie chicken

Well it seems this thread got the attention of the big shots at Vanguard!

http://vanguardblog.com/2016/10/31/than ... ogleheads/

I wonder how many Vanguard employees bring leftover Costco rotisserie chicken to work for lunch each day?
by Pete12
Fri Oct 28, 2016 12:12 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 3966

Re: How do you make your Martini?

marathonwmn wrote:Ah! It's Friday.... what a good idea! :D

A Friday night in my house (assuming the wife doesn't have me out galavanting) typically consists of a couple of martinis, chinese take out, followed by falling asleep on the sofa in front of the TV. Ah... simple pleasures 8-)
by Pete12
Thu Oct 27, 2016 7:37 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 3966

Re: How do you make your Martini?

tomd37 wrote:As soon as the sun is over the yardarm she is ready for her one drink and I am ready for my one Chivas Regal 18 year old. Maybe that's how we made it to 81 and 79 and 50 years in two weeks! :sharebeer

Cheers! The very best of health and happiness to you both :sharebeer
by Pete12
Thu Oct 27, 2016 7:25 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 3966

Re: How do you make your Martini?

blaugranamd wrote:Move to Hendricks and you may never touched the vodka again! :sharebeer

Prefer Hendricks with tonic, never clicked in a martini for me.... Tanqueray and tonic, now you're talking...!
by Pete12
Thu Oct 27, 2016 6:48 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 3966

Re: How do you make your Martini?

TomCat96 wrote:Not a fan of gin?

If using gin, I prefer Beefeater- quite citrusy. Once in a while I will work a gin martini into the rotation for a change of pace...
by Pete12
Thu Oct 27, 2016 5:17 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 3966

Re: How do you make your Martini?

Intrepyd wrote:double strained

How does that work?

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