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Re: Cell phone usage while visiting Canada

T-mobile has no foreign roaming fees for calls or data. Unless you are married to sprint for another reason, I would consider switching to T-Mobile for the 6 months and beyond. I only travel internationally a few times a year, but there is something extremely comforting about stepping off a plane a...
by BC_Doc
Tue Dec 02, 2014 6:11 pm
 
Forum: Personal Consumer Issues
Topic: Cell phone usage while visiting Canada
Replies: 10
Views: 1788

Re: Cell phone usage while visiting Canada

If you only need the phone for six months, I would suggest having a look at Koodo. Koodo is owned by Telus and operates on their network. Telus has a good network. Both Koodo and Telus rate high for consumer satisfaction. If you have an unlocked phone, you can simply buy a SIM card and you'll be goo...
by BC_Doc
Fri Nov 28, 2014 2:39 am
 
Forum: Personal Consumer Issues
Topic: Cell phone usage while visiting Canada
Replies: 10
Views: 1788

Re: Why Bother With Bonds free Kindle download/Nov.21 - Nov.

Downloaded-- thank you! And thank you LadyGeek for the Amazon.ca link. Look forward to reading the book.
by BC_Doc
Mon Nov 24, 2014 3:02 am
 
Forum: Investing - Theory, News & General
Topic: Why Bother With Bonds free Kindle download/Nov.21 - Nov.25
Replies: 26
Views: 3309

Re: Vacation in Quebec City

Hi, I lived in Montreal for eight years but have been on the west coast of Canada for the past 15. I spent quite a few weekends in Quebec City when I was still living on the east coast. My take-- Quebec City is very pretty and definitely worth a visit but I think three days/two nights would be plent...
by BC_Doc
Thu Nov 13, 2014 5:03 am
 
Forum: Personal Consumer Issues
Topic: Vacation in Quebec City
Replies: 18
Views: 1291

Re: If your networth is over $3 million, how did you do it?

Age late 40s-- about 1/2m away. How'd I get so close? 1) Career: decent earnings as a Canadian MD. 2) Savings: I try to budget roughly 1/3 toward savings (1/3 to spend now, 1/3 for taxes). 3) Housing luck-- I bought right before the big run up in RE prices where I live. On paper (net worth), I benef...
by BC_Doc
Thu Nov 13, 2014 4:38 am
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 270
Views: 33342

Re: Vegas Vacation!

Travelled to LV once for a medical conference. Found the city smelled like old urine and cigarettes. As an ER doc, I get enough of that at work. Not my kind of town.
by BC_Doc
Sun Oct 19, 2014 6:40 pm
 
Forum: Personal Consumer Issues
Topic: Vegas Vacation!
Replies: 50
Views: 4057

Re: Obese airline passenger

I used to fly a lot for business back in the 1980s when flying was wonderful. There was lots of space, half the seats were empty so I often got a row to myself, and passengers were generally treated with respect and dignity. Flight attendants were happy and cheerful. Now there are 9 seats where the...
by BC_Doc
Mon Sep 29, 2014 4:19 am
 
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 5036

Re: Bank Closing My Account With No Reason Given

...if so, what course of action would you say I should take?... This is what I do and it works for me: 1) Accept the reality of power inequality. Accept that Anatole France was right and that the bank is richer than you. 2) Hate Citizens Bank forever, and do not do business with them ever again unt...
by BC_Doc
Tue Sep 09, 2014 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank Closing My Account With No Reason Given
Replies: 38
Views: 4149

Re: What to do with Canadian cell phone in the U.S.?

Hi nisiprius, As the poster just above me posted, put your US SIM card in. If the phone works, it's unlocked (unlikely). If the phone is locked, PC-Mobile has to unlock it for you (though likely for a fee) as per the CRTC's wireless code. Give PC-Mobile customer service a call and they should be abl...
by BC_Doc
Wed Sep 03, 2014 2:29 am
 
Forum: Personal Consumer Issues
Topic: What to do with Canadian cell phone in the U.S.?
Replies: 15
Views: 791

Re: What about non-U.S. colleges?

I would strongly encourage you to look at Canadian universities. I graduated with my MD from McGill. McGill, I recall, takes about 10% of its students from outside Canada. Montreal and McGill are a fabulous educational experience. Other Canadian schools I would look at are University of Toronto, Que...
by BC_Doc
Wed Aug 27, 2014 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: What about non-U.S. colleges?
Replies: 47
Views: 3942

Re: 100% stock AA-> At what age to add bonds?

My 16 yo son is a hardworking guy. He saved up $5k and asked me to help him invest it. We went 60-40 on the split. $1000 in a Canadian stock ETF. $2000 in an all world except Canada ETF. $1500 in a Canada Aggregate Bond ETF. $500 in a savings account that pays 1.25% (where he can "catch" h...
by BC_Doc
Sun Aug 24, 2014 7:02 pm
 
Forum: Investing - Theory, News & General
Topic: 100% stock AA-> At what age to add bonds?
Replies: 58
Views: 3920

Re: Where to live? She works in Boston, he works in Worceste

Check out Auburndale. Quieter, leafy green neighbourhood at the junction of Route 128 and the Mass Pike. Easy access onto the Pike-- 30 miles to "Woosta." Commuter rail stop, Green Line (The T), maybe even a commuter bus (T again) to get into Boston. As someone who grew up in a Boston, I'd...
by BC_Doc
Tue Aug 19, 2014 2:04 am
 
Forum: Personal Consumer Issues
Topic: Where to live? She works in Boston, he works in Worcester
Replies: 27
Views: 2280

Re: retirement savings for my young kids?

@Leerar: No, I'm just helping him invest his own money. We have a family RESP set up (registered education savings plan) plus a family trust which we can use to fund university costs when our kids reach college age. Our kids are working to fund their own way as much as reasonably possible. Higher ed...
by BC_Doc
Wed Jul 30, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: retirement savings for my young kids?
Replies: 29
Views: 2588

Re: retirement savings for my young kids?

My 16 year old son has been saving diligently and through part-time employment managed to save $5k in cash. He knows his old man is a saver and has done OK with his investments (thank you Jack Bogle and fellow Bogleheads). He's been bugging me for a while to help him invest it, so I set up an "...
by BC_Doc
Wed Jul 30, 2014 4:20 am
 
Forum: Investing - Help with Personal Investments
Topic: retirement savings for my young kids?
Replies: 29
Views: 2588

Re: Anyone get running shoes from DSW???

I totally agree. Barefoot isn't going to work for pretty much everyone, even minimalist shoes can be tough. But, if you are heel striking on 2" of cushioning and you are still injured...more shoe isn't going to help either. Have to strike the balance between shoes and an efficient stride. Back...
by BC_Doc
Sun Jul 27, 2014 12:27 am
 
Forum: Personal Consumer Issues
Topic: Anyone get running shoes from DSW???
Replies: 15
Views: 1343

Re: Anyone get running shoes from DSW???

In my opinion, the less shoe the better. Best for injury prevention would be running barefoot. I generally trail run in a rocky area so my current minimalist foot-wear includes (I mix it up from run to run), Xero brand running sandals (about $25), Vibram Five Fingers, and Merrell Trail Vapours. Runn...
by BC_Doc
Sat Jul 26, 2014 3:34 pm
 
Forum: Personal Consumer Issues
Topic: Anyone get running shoes from DSW???
Replies: 15
Views: 1343

Re: Question about Vanguard ETFs for non-US investors

Welcome to Bogleheads! Here in Canada, the answer to your question is yes. I use a discount brokerage account-- RBC Direct Investments. For tax reasons, I hold VT-N in my Registered Retirement Savings Plan. All other US traded Vanguard ETFs are available, so VT-N could be combined with BND-N for a t...
by BC_Doc
Sat Jul 19, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about Vanguard ETFs for non-US investors
Replies: 6
Views: 732

Re: US citizens abroad cannot invest through [Fidelity]

Except for expatriate Fidelity customers, this doesn't seem to surprising. As others have mentioned, restrictions on the purchase of mutual fund shares by US citizens abroad has been around for a long time. The surprise is more that Fidelity allowed it before... I wish I'd known! Restrictions have ...
by BC_Doc
Wed Jul 09, 2014 7:43 am
 
Forum: Investing - Theory, News & General
Topic: US citizens abroad cannot invest through [Fidelity]
Replies: 97
Views: 9062

Re: The Winter Blahs

Went for a trail run last evening-- fresh snow on the trails. Magical. Took in a hockey game tonight. Life is good...
by BC_Doc
Sun Jan 12, 2014 2:50 am
 
Forum: Personal Consumer Issues
Topic: The Winter Blahs
Replies: 48
Views: 3444

Re: thinking about removing the slice and dice from my AA

I started with slice and dice in 2008. I simplified to VTI and VEU somewhere around 2011-- after reading Jack Bogle's "Common Sense on Mutual Funds", I wasn't sold on the idea of the small cap/value premium. Bogle's advice to buy the haystack stuck with me. Also, I found dealing with more ...
by BC_Doc
Sun Jan 12, 2014 2:19 am
 
Forum: Investing - Help with Personal Investments
Topic: thinking about removing the slice and dice from my AA
Replies: 19
Views: 1223

Re: Do you oversave for retirement or not?

I've watched my surviving parent overspend in retirement-- running out of money is now a real concern for her. I have several baby boomer relatives who are in their late 50s with basically no retirement savings to speak of. From my perspective, their future appears grim. I am probably over saving. T...
by BC_Doc
Wed Jan 08, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you oversave for retirement or not?
Replies: 70
Views: 6209

Re: What percentage of your income are you saving?

Previously about 20%, but now climbing as we recently paid off the mortgage. I don't track the exact dollar amount or percentage of what I save-- I do know, though, that I am more like the ant than the grasshopper. Winter could always be around the next corner and I want to always be ready, therefor...
by BC_Doc
Fri Dec 13, 2013 1:00 am
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 13299

Re: Where do Bogleheads call home?

Hi Rick, I'm another Canuck-- I grew up in the US and emigrated to Canada 20+ years ago. I use Vanguards US ETFs for my equity investing (VTI and VEU held in global cap weightings). I use a technique called "Norbert's Gambit" (thank you to fellow Boglehead Norbert Schlenker) to convert my ...
by BC_Doc
Fri Dec 13, 2013 12:36 am
 
Forum: Personal Consumer Issues
Topic: Where do Bogleheads call home?
Replies: 17
Views: 3126

Re: Tactical Flashlight for long walks at night vs. pepper s

I like a head lamp (on my wrist) for rattlesnake watching and mace on my spouse for the never yet seen mountain lion. Why not both? Rattlesnakes aren't generally out cruising around at night. Mountain lions are, so scare them away with your headlamp... Rattlesnakes love the trails after dark-- the ...
by BC_Doc
Tue Dec 03, 2013 5:34 am
 
Forum: Personal Consumer Issues
Topic: Tactical Flashlight for long walks at night vs. pepper spray
Replies: 85
Views: 5370

Re: Tactical Flashlight for long walks at night vs. pepper s

I would recommend carrying a Class IIIa green laser pointer. They are the size of a fountain pen. These are used by astronomy buffs to point to stars. There are very powerful and will temporarily blind an assailant and painfully so. Would it work against bears and cougars? In daylight too? I find p...
by BC_Doc
Tue Dec 03, 2013 5:10 am
 
Forum: Personal Consumer Issues
Topic: Tactical Flashlight for long walks at night vs. pepper spray
Replies: 85
Views: 5370

Re: Example of What Charities Net

Here's a helpful article for Canadian Bogleheads: http://www.moneysense.ca/spend/canadas-top-rated-charities-of-2013 I've used the rankings/info from the annual Money Sense reviews these past few years to help me whittle down who I will donate to. If the overhead is under 15%, I will donate provided...
by BC_Doc
Thu Oct 17, 2013 12:55 am
 
Forum: Personal Consumer Issues
Topic: Example of What Charities Net
Replies: 25
Views: 1756

Re: 10 Ways To Wipe Out Your Retirement Savings

Great article you posted-- thanks! This is one I will forward to certain family/friends.
by BC_Doc
Sat Sep 07, 2013 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Ways To Wipe Out Your Retirement Savings
Replies: 23
Views: 6370

Re: Boston this weekend

Yes, beachplum, and there was wailing and gnashing of teeth in my house. But it was a classic yanks-sox game which I thoroughly enjoyed and perhaps tonite's outcome shall differ... Or not... The Red Sox offence has been on fire. 41 runs scored in the past three games. Unbelievable. After watching t...
by BC_Doc
Sat Sep 07, 2013 2:38 am
 
Forum: Personal Consumer Issues
Topic: Boston this weekend
Replies: 25
Views: 1948

Re: Boston this weekend

+1 to Durgin Park-- great local food (fish, baked beans, corn bread, chowdah). It's on one side of Quincy Market which you're bound to go past. +1 to Bunker Hill. +1 to the North End. On a weekday, you might try Mangia-Mangia on Endicott Street for lunch (they close mid-afternoon). Mangia-Mangia is ...
by BC_Doc
Fri Sep 06, 2013 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Boston this weekend
Replies: 25
Views: 1948

Re: Big Island Hawaii

Waipio Valley is really beautiful. My 12 y.o. daughter and I parked at the top and strolled down. If you're reasonably fit, the hike is no big deal. The walk at the bottom is really peaceful and quiet. My daughter and I also hiked down to Captain Cook to snorkel. The hike was super cool. You start h...
by BC_Doc
Sat Jul 06, 2013 2:20 am
 
Forum: Personal Consumer Issues
Topic: Big Island Hawaii
Replies: 45
Views: 3979

Re: Repair or replace dishwasher?

I have had issues with my DW at time and found http://www.partselect.com/ helpful. I wound up replacing the whole pump/internal mechanism for around $120. It seemed easier than replacing each part and possibly missing the problem. They do have a good diagnostic on the site. I had issues with the ch...
by BC_Doc
Thu Jun 13, 2013 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Repair or replace dishwasher?
Replies: 13
Views: 1051

Re: What were the little things that led you to index invest

A colleague lent me "Intelligent Asset Allocation"-- I read it and I was hooked. I came across Bogle's "Little Book on Common Sense Investing" and away we went. Oh, and the financial advisors working for our professional association (MD Management) weren't very bright and were tu...
by BC_Doc
Wed May 22, 2013 1:05 am
 
Forum: Investing - Help with Personal Investments
Topic: What were the little things that led you to index investing?
Replies: 60
Views: 3900

Re: I got to thank a WWII Veteran today.

This Marine is definitely proud to salute my good friend and co-author, Taylor Larimore, who served as a paratrooper in WWII at the Battle of the Bulge. Hat's off to you, my friend! My mother-in-law and her mom were liberated from Santo Tomas internment camp in Manila by US Army GIs. The GIs were l...
by BC_Doc
Wed May 15, 2013 2:34 am
 
Forum: Personal Consumer Issues
Topic: I got to thank a WWII Veteran today.
Replies: 30
Views: 1700

Re: harvard med school vs. penn med+full tuition scholarship

I graduated with an MD from McGill in the 1990s. Tuition was a very reasonable $2000 per year. Graduating with very modest med school debt allowed me-- not my debt load-- to decide what specialty I wanted to pursue, and choose a place post residency where I really wanted to live and practice. Person...
by BC_Doc
Thu Apr 18, 2013 1:25 am
 
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 11059

Re: Cheapest iPhone voice only plan

Here are a couple of useful sites for anyone looking to use an unlocked iPhone on a different carrier. The first site is an app which will set up the phone's settings for the new network. This is useful for those who are travelling or if you're looking to go prepaid with your iphone-- e.g. AT&T ...
by BC_Doc
Mon Apr 08, 2013 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest iPhone voice only plan
Replies: 77
Views: 5903

Re: Cheapest iPhone voice only plan

As I said above, it looks like you have to request that data be added to the $10 plan at AirVoice. If you don't do this, then data won't be available even if you are using a SmartPhone. That should probably be confirmed with Customer Service if there would be any concern about "data abuse"...
by BC_Doc
Mon Apr 08, 2013 6:02 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest iPhone voice only plan
Replies: 77
Views: 5903

Re: Cheapest iPhone voice only plan

mike143 wrote:How many minutes and text? Without data almost pointless to have a smart phone, just get a $20 phone.


I disagree. Wifi is everywhere-- with some minutes and texting, an unneeded iPhone is still a great phone to have, even without a data package.
by BC_Doc
Sat Apr 06, 2013 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest iPhone voice only plan
Replies: 77
Views: 5903

Re: Cheapest iPhone voice only plan

AT&T "Go Phone" is worth a look. I live in Canada and use it for my unlocked iphone when I'm travelling in the US. $25 gets you a couple of hundred minutes plus unlimited texting. It's pay as you go too which is good. Is also possible to perform an easy hack on the phone and add monthl...
by BC_Doc
Sat Apr 06, 2013 6:27 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest iPhone voice only plan
Replies: 77
Views: 5903

Re: cleaning a vacation rental

My partner and I generally use VRBO each year to rent a condo for a couple of weeks in Hawaii. As when I stay in a "suite style" hotel, I always make sure no dirty dishes are left in the sink. I may start a load of dishes in the dishwasher when I head out the door-- the cleaners will have ...
by BC_Doc
Sat Apr 06, 2013 3:27 pm
 
Forum: Personal Consumer Issues
Topic: cleaning a vacation rental
Replies: 21
Views: 2129

Re: ITunes Sale on Jack Bogle's Little Book of Common Sense

ps56k: If I could only read one book on investing, this would be the one. This book is a treasure trove of investing wisdom.
by BC_Doc
Thu Jan 31, 2013 3:00 am
 
Forum: Investing - Theory, News & General
Topic: ITunes Sale on Jack Bogle's Little Book of Common Sense
Replies: 33
Views: 3982

Re: December 7th [Attack on Pearl Harbor]

I believe MacArthur would need an executive order from the President to make any such advance. It may have also been that Congress needed to provide authorization to declare war. :?: This still doesn't explain his folly of leaving the planes on the ground where they were sitting ducks for Japanese ...
by BC_Doc
Sun Dec 09, 2012 3:07 am
 
Forum: Local Chapters and Bogleheads Community
Topic: December 7th [Attack on Pearl Harbor]
Replies: 31
Views: 2443

Re: December 7th [Attack on Pearl Harbor]

The real puzzle of Pearl Harbor is this. Why did General Macarthur, having been informed hours earlier of the Japanese attack on Pearl Harbor, not order his B17s to bomb Japanese airfields in Taiwan? Instead, his air force was caught on the ground in the Phillipines, and largely destroyed. He froze...
by BC_Doc
Sun Dec 09, 2012 2:59 am
 
Forum: Local Chapters and Bogleheads Community
Topic: December 7th [Attack on Pearl Harbor]
Replies: 31
Views: 2443

Re: December 7th [Attack on Pearl Harbor]

My mother-in-law's dad was a second lieutenant in the Philippine Rangers when the bombs started dropping a short time later in Manilla (December 8 as Manilla was across the international date line). He would survive the deplorable Japanese prison camps in the Phillipines only to die in 1944 on the h...
by BC_Doc
Fri Dec 07, 2012 4:36 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: December 7th [Attack on Pearl Harbor]
Replies: 31
Views: 2443

Re: do you use your work cell phone for personal use?

When you part ways with your employer, the phone number will belong to them-- now you are left with the problem of your personal contacts not being able to telephone you. If your employer allows you to port out the number, you are left with the potential problem of nuisance business calls related to...
by BC_Doc
Tue Nov 06, 2012 2:16 pm
 
Forum: Personal Consumer Issues
Topic: do you use your work cell phone for personal use?
Replies: 39
Views: 3696

Re: Medical specialty, longer residencies worth it?

My advice: find the area of medicine you're interested in then train for it, provided there will be jobs available when you finish. Life is too short and the medicine will quickly become miserable if you go into a particular specialty for the bucks. When you're finishing your training, consider havi...
by BC_Doc
Mon Oct 08, 2012 1:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Medical specialty, longer residencies worth it?
Replies: 55
Views: 6179

Re: Exit from Stocks WSJ

"The Death of Equities" article crossed my mind as I was reading this story last night. It makes me think this cyclical bear market is getting long in the tooth. You mean secular bear, right? Because we are in a cyclical bull market now. Whoops! Yes, thanks-- I definitely meant secular be...
by BC_Doc
Sat Oct 06, 2012 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: Exit from Stocks WSJ
Replies: 39
Views: 4456

Re: Exit from Stocks WSJ

"The Death of Equities" article crossed my mind as I was reading this story last night. It makes me think this secular bear market is getting long in the tooth.

Edit: cyclical replaced with secular.
by BC_Doc
Sat Oct 06, 2012 2:25 am
 
Forum: Investing - Theory, News & General
Topic: Exit from Stocks WSJ
Replies: 39
Views: 4456

Re: VEU "Est. yield: 7.44%" Vanguard statement

Dale_G wrote:Revised: My statement for VEU shows an estimated yield of 3.34%. Vanguard does not seem to publish SEC yields for international funds.

Dale


They had published it on the website-- the figure seems to have recently disappeared.

BC Doc
by BC_Doc
Thu Oct 04, 2012 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: VEU "Est. yield: 7.44%" Vanguard statement
Replies: 12
Views: 1450

Re: What to do with 2.5 mill

I strongly recommend you read either "The Little Book of Commom Sense Investing" (succinctly written) or "Commom Sense on Mutual Funds" by John Bogle. I really like the idea of a two fund portfolio-- here in Canada, I use ETFs to get my Vanguard funds. Total World Stock (VT) comb...
by BC_Doc
Tue Sep 04, 2012 2:15 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 2.5 mill
Replies: 137
Views: 20831

Re: When did you start to save a regular significant amount?

Not until age 34-- this is when I completed my training (physician).

Since then, I've been squirrelling savings away.
by BC_Doc
Mon Aug 20, 2012 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: When did you start to save a regular significant amount?
Replies: 81
Views: 11151
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