Search found 81 matches

by Robert The Bruce
Sat Jun 02, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Energy Industry [looking for website to discuss]
Replies: 23
Views: 1777

Re: Energy Industry [looking for website to discuss]

Hey Brad! I was on the generation side for years - left a couple of years ago. You might find some things of interest at: https://judithcurry.com. A couple of years ago there was a poster there calling himself “planning engineer” who wrote some insightful things on the difficulties associated with d...
by Robert The Bruce
Sat Feb 24, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Review of tax software for trusts and estates
Replies: 70
Views: 9991

Re: Review of tax software for trusts and estates

Just a quick *thanks bostondan* also for the detailed analysis! And actually, I don’t have a PC, just a pad so it looks like I am wedded to TaxAct. That’s what I used last year for our trust. BTW, after seeing this page on the NCDOR website, I switched and did my personal taxes on FreeTaxUSA: https:...
by Robert The Bruce
Sun Feb 11, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 5278

Re: Who has had a pool?

I don’t think anyone has mentioned adding water. Probably an insignificant cost, but, I’d quess, if it hasn’t rained in the last 2 weeks, we have to stick the hose in the pool and let it run for 20-30 mins. I waste plenty of time, but never in the pool, I want to sink a mountain climber device in it...
by Robert The Bruce
Thu Feb 08, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Books/articles on life 100-120 years ago?
Replies: 19
Views: 1558

Re: Books/articles on life 100-120 years ago?

OP here - Good stuff! Thank you all! Something one of you said made me think of Studs Turkel. I looked and he had written a couple of books in this genre such as: https://www.amazon.com/Hard-Times-History-Great-Depression/dp/1565846567/ref=sr_1_4?ie=UTF8&qid=1518127010&sr=8-4&keywords=studs+Terkel I...
by Robert The Bruce
Wed Feb 07, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Books/articles on life 100-120 years ago?
Replies: 19
Views: 1558

Books/articles on life 100-120 years ago?

Hey folk! I’ve been doing some genealogy searches and wondering about how my grandparents lived. It’s just 2 generations, plus a few years, but from what I guess, it was a whole different world. They were born in the 1890s, 2 in rural England, one in rural Illinois, one in downtown Chicago. Any sugg...
by Robert The Bruce
Mon Jan 15, 2018 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: How long do you save tax returns?
Replies: 39
Views: 3764

Re: How long do you save tax returns?

... Have my returns back to the first one I filed in 1963... Mine go back ro 1959. Anyone earlier, or do I win the contest? :happy I have my mother-in-laws going back to WWII (1943 IIRC). The whole file is less than an inch thick. It is in a box that will be shredded if I move or run out of space. ...
by Robert The Bruce
Mon Jan 01, 2018 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help my 7 year old daughter invest $50 of her Christmas money
Replies: 30
Views: 2790

Re: Help my 7 year old daughter invest $50 of her Christmas money

My thought is that kids are very risk adverse and have a very short timeframe. I bet (no matter what she says today) she’s going to want to spend that money sometime in the next 5 yrs. How’s she going to feel 2 yrs from now when she wants to donate to a worthy cause and the $50 is only worth $40? A ...
by Robert The Bruce
Tue Sep 19, 2017 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Best book for planning your retirement?
Replies: 20
Views: 3821

Re: Best book for planning your retirement?

Petro!
I have to ask - what kind of planning do you think you might need to do 10 years out?

Thks!
by Robert The Bruce
Sat Aug 12, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 67
Views: 8636

Re: Free Reading

Just to add to the OP :

You can read some books for free here: https://muse.jhu.edu/

Also, sometimes if I google a book title I'll see a link to a site like https://www.ebooks10.net/. Are sites like this legal? Are they safe?
by Robert The Bruce
Sun Jun 04, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Favorite Biographies and Memoirs
Replies: 33
Views: 3159

Re: Favorite Biographies and Memoirs

Candice Millard does great work. I recently finished her book about Winston Churchill's exploits in the Boar war: http://www.goodreads.com/book/show/25241653-hero-of-the-empire?from_search=true Her book about T. Roosevelt 's adventures in South America is also very good. Jon Krakauer's "Into Thin Ai...
by Robert The Bruce
Tue Apr 04, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3761
Views: 1069036

Re: What Movie Have You Recently Watched?

Just watched "The Wedding Ringer" Kevin Hart, Josh Gad, Kaley Cuoco. Funny at times, stupid at other times. I fast forwarded through 2 or 3 parts. http://www.imdb.com/title/tt0884732/ Also, watched "Gone Girl" recently. Verdict - I don't know, liked most of it, as others have mentioned ending was un...
by Robert The Bruce
Wed Mar 01, 2017 8:52 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3346
Views: 1005013

Re: What Book Are You Currently Reading? Part VI

I just finished Hero of the Empire: The Boer War, a Daring Escape, and the Making of Winston Churchill . It was excellent, I highly recommend it. Here's a link to the author on C-Span: https://www.c-span.org/video/?417592-104/winston-churchill-boer-war I think I also heard her on Diane Rehm I hope V...
by Robert The Bruce
Fri Feb 10, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Lost Stock Certificate - EMC
Replies: 6
Views: 1221

Re: Lost Stock Certificate - EMC

He will probably have to pay a fee for replacement of the certificate based on a per share charge. It is termed as insurance.
by Robert The Bruce
Tue Dec 06, 2016 9:18 pm
Forum: Personal Consumer Issues
Topic: Owning a Chromebook
Replies: 77
Views: 13791

Re: Owning a Chromebook

Get a Bluetooth keyboard for your iPad if you need to type a lot. The keyboard is the only real advantage over what you already have. Chromebooks are essentially web browser machines with everything done through the browser, such as word-processing via Google docs. But you've already got that on yo...
by Robert The Bruce
Fri Apr 24, 2015 7:12 pm
Forum: Personal Consumer Issues
Topic: Drive a local car, rent for trips ?
Replies: 40
Views: 4907

Re: Drive a local car, rent for trips ?

My experience with car rental agencies has always been a bit like this:
http://dilbert.com/strip/2010-07-13
by Robert The Bruce
Mon Apr 07, 2014 4:13 pm
Forum: Investing - Theory, News & General
Topic: Delaying Social Security - best long-term investment?
Replies: 78
Views: 5634

Re: Delaying Social Security - best long-term investment?

Could where your retirement money resides (pre-tax, post-tax, tax free) be a factor in this analysis? I don't think I can do the variations justice but surely the analysis is different if all your money is to be subject to income tax as you withdraw it and spend it as compared to the situation where...
by Robert The Bruce
Sun Mar 02, 2014 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Financial advisor wants me to roll a 401(k) into an IRA?
Replies: 98
Views: 10170

Re: Financial advisor wants me to roll a 401(k) into an IRA?

The laws / regulations for 401(k)s are different than those for IRAs. Just for the sake of diversity you should consider keeping it. If I try to list those differences, I will get them wrong but they have to do with access to stable value funds, ability to take out a loan, protection during bankrupt...
by Robert The Bruce
Sat Jan 11, 2014 9:21 pm
Forum: Personal Consumer Issues
Topic: Dog entertainment tips given recent cold and rain
Replies: 12
Views: 1192

Re: Dog entertainment tips given recent cold and rain

Calm Man wrote:As much as pets are loving and caring, they are still animals. So I just would be very careful about the playful fighting as you never know.
My dog only weighs 8 lbs, if she wants to fight, we are going to fight. I think I can take her.
by Robert The Bruce
Sat Jan 11, 2014 7:35 pm
Forum: Investing - Theory, News & General
Topic: My 30-year Forecast
Replies: 63
Views: 8510

Re: My 30-year Forecast

How can you adjust the 30 year return for half the globe from 1220% down to 760% with a simple "Emerging markets remain high at a 7.0 percent real return expectation, although that's lower than prevision forecasts due to slower growth in emerging market countries"? That's a step change, a huge step ...
by Robert The Bruce
Sun Aug 04, 2013 2:35 pm
Forum: Personal Consumer Issues
Topic: Tipping
Replies: 101
Views: 10041

Re: Tipping

I know I am late to the show, but there was a Freakonomics podcast on tipping recently: http://www.freakonomics.com/2013/06/03/should-tipping-be-banned-a-new-freakonomics-radio-podcast/ The 2 things I took from it were: More job category workers in the US (31) expect to get tipped than any other cou...
by Robert The Bruce
Thu Jul 18, 2013 6:57 pm
Forum: Personal Consumer Issues
Topic: OT-Short story about boy mowing lawn
Replies: 2
Views: 925

Re: OT-Short story about boy mowing lawn

That's it Silence! Thank You!!

You have done the impossible! I owe you $5. (You have to read the link to understand).

The details are different than I remembered - but then I remember hearing it in public school, so maybe it was a different version.
by Robert The Bruce
Thu Jul 18, 2013 2:26 pm
Forum: Personal Consumer Issues
Topic: OT-Short story about boy mowing lawn
Replies: 2
Views: 925

OT-Short story about boy mowing lawn

I know I'm off topic - humor me, please. I remember reading a short story as a kid that I would like to re-visit but I can't find it. And I know that collectively your abilities know no bounds, so I assume someone here will immediately know the name of the story or the author. It was the story of a ...
by Robert The Bruce
Sat Jul 13, 2013 5:12 pm
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1119
Views: 631017

Re: Spreadsheet for backtesting (includes TrevH's data)

Man!
The coding in this spd sht is incredible! Amazing! Thanks to all who have had a hand in its creation. I use a lot of the functions embedded within, but not to the sophistication that you have used them. I bow to your awesomeness!!
by Robert The Bruce
Thu May 16, 2013 7:44 pm
Forum: Investing - Theory, News & General
Topic: You probably know a person like this
Replies: 22
Views: 3728

Re: You probably know a person like this

Great story! Cute story! I don't believe one word of it but great none the less.
by Robert The Bruce
Sat Feb 23, 2013 7:55 am
Forum: Personal Consumer Issues
Topic: Streaming Audio
Replies: 50
Views: 5331

Re: Streaming Audio

How about connecting the laptop's headphone audio output jack to your new receiver? That would be the best quality for no cost, except the 3.5 mm to phono cable (a few $). Not a proper way to do things. That could sort-of work, but from an electronics perspective a headphone output and phono or aux...
by Robert The Bruce
Sat Feb 02, 2013 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: TRowe Price Portfolio Xray not working
Replies: 41
Views: 4051

Re: TRowe Price Portfolio Xray not working

FWIW, I check and update my portfolio monthly and have never had a problem. I used it yesterday - seemlessly - and just logged in right now and it all looks good. I know that doesn't help you but there it is.
by Robert The Bruce
Tue Dec 18, 2012 7:05 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1495605

Re: What Book Are You Currently Reading? Part V

I just finished Brad Thor's The Apostle . I would give it 2 stars, 3 at best. Our hero was a covert homeland security paid assassin who quit the agency after a new, naïve, President took office and put the kibosh on such surgical strikes. However, no sooner has that happened when the pres needs to p...
by Robert The Bruce
Wed Sep 19, 2012 12:25 pm
Forum: Personal Consumer Issues
Topic: How Do You Tune It Out?
Replies: 46
Views: 3554

Re: How Do You Tune It Out?

But how does one do this without becoming ill-informed? Isn't part of being a good citizen being informed? What do you do to tune out the noise, yet also stay informed? There is a lot of high quality news sources out there. I think on TV the PBS New Hour and Fareed Zakaria's GPS qualify. I add podc...
by Robert The Bruce
Mon Sep 03, 2012 3:28 pm
Forum: Personal Consumer Issues
Topic: How frequently do you nap & does that help you invest?
Replies: 28
Views: 2048

Re: How frequently do you nap & does that help you invest?

To the nappers... Are you retired? I cannot in any way imagine napping during a normal work day. I'm not retired and not a frequent napper either - but I get up at 5 AM Monday through Friday so as to be at work at 7:00. Some weeks I evidently run a sleep deficit heading into the weekend and take a ...
by Robert The Bruce
Mon Sep 03, 2012 10:14 am
Forum: Personal Consumer Issues
Topic: How frequently do you nap & does that help you invest?
Replies: 28
Views: 2048

How frequently do you nap & does that help you invest?

How ironic that I would post this poll on Labor Day.

How often do you take a nap and since this is an investment board - does napping help you stay the course? Or maybe in some other way enable your investment philosophy.
by Robert The Bruce
Wed Aug 29, 2012 7:59 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross at it again!!!
Replies: 27
Views: 3401

Re: Bill Gross at it again!!!

http://www.cnbc.com/id/48826375 Does this guy every stop? How many times does he have to look foolish on television before he decides not to go on anymore? Oh wait, PIMCO sponsors the Bond Report, the "Bond King" will be on our screens for a long time. Yes, how foolish that he would say things like...
by Robert The Bruce
Fri Aug 10, 2012 9:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Let's talk about the Olympics
Replies: 115
Views: 12415

Re: Let's talk about the Olympics

Which sport has been helped the most by technology?

I was thinking it might be pole vault but it could be one of the boat type events.
by Robert The Bruce
Sun May 27, 2012 11:36 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1495605

Re: What Book Are You Currently Reading? Part V

Just finished Alfred Lancing's Endurance: Shackleton's Incredible Voyage . I have always known who Shakleton was but I never really knew the details. What a great story of perseverance in the most barren of conditions! The 28 men were stranded on the trapped boat for 10 months, then on various ice f...
by Robert The Bruce
Sun Apr 08, 2012 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Will You Have 35 Years of SS Contributions?
Replies: 59
Views: 5614

Re: Will You Have 35 Years of SS Contributions?

I intend to have 35 post college years when I retire. Most are at 90+% of the max.
by Robert The Bruce
Sat Jan 21, 2012 1:03 pm
Forum: Investing - Theory, News & General
Topic: How to take advantage of Natural Gas Collapse
Replies: 31
Views: 2777

Re: How to take advantage of Natural Gas Collapse

I assume the price drop is due to the increased availability of fracked gas. I would bet that regulations on the industry will increase and that will also affect supply (along with the increase in exports) and the price will rise. I'm a little cloudy on the when part, however.
by Robert The Bruce
Thu Dec 22, 2011 8:12 pm
Forum: Personal Consumer Issues
Topic: Hobbies of Bogleheads
Replies: 159
Views: 23548

Re: Hobbies of Bogleheads

The only activity I do that hasn't been mentioned is Toastmasters. It can be fun, challenging and rewarding.
by Robert The Bruce
Fri Sep 02, 2011 6:54 pm
Forum: Personal Consumer Issues
Topic: Westerner in New York for the first time
Replies: 54
Views: 5845

I recommend Niagara Falls. I prefer the state park on the US side but the Canadian side has a lot to offer. They say the boats that go up to the falls (Maid of the mist) are worthwhile – we were in line and the elevator broke (hopefully no one was stuck on it) - they had to give us refunds and sent ...
by Robert The Bruce
Sun Jul 24, 2011 7:32 pm
Forum: Personal Consumer Issues
Topic: Plea to the Excel gurus...
Replies: 26
Views: 2936

Pivot table +1
Vlookup -1

But I ask the OP - how often are you going to add funds? Why don't you just use direct links (='Raw data'!C4+'Raw data'!C8) and update the links everytime you buy a new fund? If you find that arduous maybe it will discourage fund collecting.
by Robert The Bruce
Sat Jul 23, 2011 10:54 am
Forum: Personal Consumer Issues
Topic: Any Tour watchers? Biking fans?
Replies: 57
Views: 8323

OK, I got that wrong - Good thing I am much better at picking fund managers (I say in jest). To go slightly off topic - does anyone think "The clean bottle" is a cool concept? I have some old old bottles with screw on lids and I have never had something growing in the bottom. We do have a dish washe...
by Robert The Bruce
Sat Jul 23, 2011 9:06 am
Forum: Personal Consumer Issues
Topic: Any Tour watchers? Biking fans?
Replies: 57
Views: 8323

Seems like Frank Schleck could steal this thing from Andy and Cadel. He has to give 100% to this TT since he won't know the times of the other 2. Phil and Paul have not even suggested he could win the overall but he should be the most rested of the 3 and in the past he has been better at time trials...
by Robert The Bruce
Fri Jul 15, 2011 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Free Shipping from US Mint if you buy $250 of Dollar coins
Replies: 34
Views: 6529

According to this report on NPR, with the price of metals these days and the strength of currency paper, it is cheaper to circulate the bills. OTOH, the government would rather some of those coins be sitting unused on your dresser rather than in their vaults. http://www.npr.org/2011/06/28/137480126/...
by Robert The Bruce
Sun Jul 10, 2011 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: 20 something looking for financial advice after dad's death
Replies: 13
Views: 1927

I am also in the process of finalizing my mother's estate. We employed a local attorney's office that was very helpful. In response to your first question, the estate had to file an inventory with the county clerk, the Attorney's office listed everything, including IRAs and insurance policies. I ima...
by Robert The Bruce
Thu Jul 07, 2011 8:11 pm
Forum: Personal Consumer Issues
Topic: Body Mass Index - Which country are you?
Replies: 49
Views: 5291

Somewhere between Hong Kong and Taiwan for me. Seems like good company. I am surprised by the Oceania residents, fatter than the average American? How did that happen? I just saw on the news that in every state in the nation at least 20% of the population is obese. (Wonder if that is adult populatio...
by Robert The Bruce
Fri Apr 22, 2011 12:50 pm
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 172
Views: 28070

The 5 best have already been mentioned, but here are 5 more that Tall Grass might want to check out:
School of Rock (Jack Black)
Back to the Future (Michael J. Fox)
Used Cars (Kurt Russell)
Major League
Revenge of the Nerds
by Robert The Bruce
Sat Mar 12, 2011 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: What is YOUR bond/equity ratio compared to your age/horizon?
Replies: 80
Views: 13518

We are 50 and 60% in bonds (including cash balance pension), 54% w/out pension. I have considered myself cautious for the last 15 years and so far it has treated me well. Those ratios (40/60% or 46/54%) fit my need for risk, especially if I am employed 6 more years.

My equities are 50/50 US/foreign.
by Robert The Bruce
Sun Feb 06, 2011 11:14 am
Forum: Investing - Theory, News & General
Topic: Most Outrageous Market Predictions and Gurus?
Replies: 29
Views: 4070

Roosevelt, Some examples of what you are looking for are at CXO: http://www.cxoadvisory.com/gurus/ I think to get an accurate assessment of their calls you have to dig into the notes. But also, these people say a lot of things, here's an interesting example from John Mauldin where had said the rally...
by Robert The Bruce
Mon Jan 03, 2011 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Impact of years worked on Social Security benefit
Replies: 5
Views: 1374

Re: Impact of years worked on Social Security benefit

Thanks guys! So not much, but I see it's not straight forward, especially since some of my years were prior to 1992. I will see if I can find the calculator. Whoa man Ron, I say it seems fair , are you saying it is not? That would seem fair but it would also seem to punish the person who earns multi...