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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 1:27 am
 
Forum: Personal Consumer Issues
Topic: Anyone get running shoes from DSW???
Replies: 15
Views: 1132

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 4:34 pm
 
Forum: Personal Consumer Issues
Topic: Anyone get running shoes from DSW???
Replies: 15
Views: 1132

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 7:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about Vanguard ETFs for non-US investors
Replies: 6
Views: 687

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 8:43 am
 
Forum: Investing - Theory, News & General
Topic: US citizens abroad cannot invest through [Fidelity]
Replies: 96
Views: 7511

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 3:50 am
 
Forum: Personal Consumer Issues
Topic: The Winter Blahs
Replies: 48
Views: 3377

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 3:19 am
 
Forum: Investing - Help with Personal Investments
Topic: thinking about removing the slice and dice from my AA
Replies: 19
Views: 1204

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 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you oversave for retirement or not?
Replies: 70
Views: 6089

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 2:00 am
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 12458

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 1:36 am
 
Forum: Personal Consumer Issues
Topic: Where do Bogleheads call home?
Replies: 17
Views: 3065

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 6:34 am
 
Forum: Personal Consumer Issues
Topic: Tactical Flashlight for long walks at night vs. pepper spray
Replies: 85
Views: 4950

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 6:10 am
 
Forum: Personal Consumer Issues
Topic: Tactical Flashlight for long walks at night vs. pepper spray
Replies: 85
Views: 4950

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 1:55 am
 
Forum: Personal Consumer Issues
Topic: Example of What Charities Net
Replies: 25
Views: 1730

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 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Ways To Wipe Out Your Retirement Savings
Replies: 23
Views: 6313

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 3:38 am
 
Forum: Personal Consumer Issues
Topic: Boston this weekend
Replies: 25
Views: 1887

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 6:39 pm
 
Forum: Personal Consumer Issues
Topic: Boston this weekend
Replies: 25
Views: 1887

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 3:20 am
 
Forum: Personal Consumer Issues
Topic: Big Island Hawaii
Replies: 45
Views: 3680

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 3:34 pm
 
Forum: Personal Consumer Issues
Topic: Repair or replace dishwasher?
Replies: 13
Views: 991

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 2:05 am
 
Forum: Investing - Help with Personal Investments
Topic: What were the little things that led you to index investing?
Replies: 60
Views: 3713

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 3:34 am
 
Forum: Personal Consumer Issues
Topic: I got to thank a WWII Veteran today.
Replies: 30
Views: 1686

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 2:25 am
 
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 10593

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 7:16 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest iPhone voice only plan
Replies: 77
Views: 5408

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 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest iPhone voice only plan
Replies: 77
Views: 5408

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 7:52 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest iPhone voice only plan
Replies: 77
Views: 5408

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 7:27 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest iPhone voice only plan
Replies: 77
Views: 5408

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 4:27 pm
 
Forum: Personal Consumer Issues
Topic: cleaning a vacation rental
Replies: 21
Views: 1863

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 4:00 am
 
Forum: Investing - Theory, News & General
Topic: ITunes Sale on Jack Bogle's Little Book of Common Sense
Replies: 33
Views: 3933

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 4:07 am
 
Forum: Local Chapters and Bogleheads Community
Topic: December 7th [Attack on Pearl Harbor]
Replies: 31
Views: 2402

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 3:59 am
 
Forum: Local Chapters and Bogleheads Community
Topic: December 7th [Attack on Pearl Harbor]
Replies: 31
Views: 2402

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 5:36 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: December 7th [Attack on Pearl Harbor]
Replies: 31
Views: 2402

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 3:16 pm
 
Forum: Personal Consumer Issues
Topic: do you use your work cell phone for personal use?
Replies: 39
Views: 3514

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 2:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Medical specialty, longer residencies worth it?
Replies: 55
Views: 5941

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 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: Exit from Stocks WSJ
Replies: 39
Views: 4407

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 3:25 am
 
Forum: Investing - Theory, News & General
Topic: Exit from Stocks WSJ
Replies: 39
Views: 4407

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
Fri Oct 05, 2012 12:36 am
 
Forum: Investing - Help with Personal Investments
Topic: VEU "Est. yield: 7.44%" Vanguard statement
Replies: 12
Views: 1420

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 3:15 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 2.5 mill
Replies: 137
Views: 20555

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 1:27 pm
 
Forum: Investing - Theory, News & General
Topic: When did you start to save a regular significant amount?
Replies: 81
Views: 10780

Re: Recommended fee-only financial planner in or near Toront

Here's some free "fee-only" advice: I use RBC-DI for my DIY investing-- I've been very happy with RBC-DI and recommend them whole-heartedly. Consider a two fund portfolio: VT-N for stocks (Vanguard Total World Stock ETF-- 0.20% ETF). VAB-T or VSB-T for fixed income (Vanguard Canada Aggrega...
by BC_Doc
Tue Jul 31, 2012 3:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Recommended fee-only financial planner in or near Toronto?
Replies: 15
Views: 1344

Re: How do I get out of mutual fund?

Take your profit. Pay the taxes (which will be less this year if the rates go up in January). Buy a better fund (lower ER, more tax efficient). Don't hang on to garbage just to avoid taxes. That would be letting the tax tail wag the dog. According to Yahoo Finance, the MER of the fund is 0.94% vers...
by BC_Doc
Tue Jul 31, 2012 2:56 am
 
Forum: Investing - Help with Personal Investments
Topic: How do I get out of mutual fund?
Replies: 24
Views: 2247

Re: Life insurance

do you think they need 30 years of $4 million of protection? Can one physician provide adequately for him/herself and a single child? I am a physician married to a non-physician and I went with 20 year term expiring when I am about 53. Based on how we are doing so far, we will be completely self-in...
by BC_Doc
Sat Jul 28, 2012 3:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 25
Views: 1663

Re: Transfer money from Canada to USA

I've used Norbert's Gambit many times with my RBC Direct account. It works like a charm.
by BC_Doc
Tue Jul 17, 2012 3:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Transfer money from Canada to USA
Replies: 11
Views: 1234

Re: We are letting our subscription lapse.

Bogleheads: After many years, our subscription ran out last week. It is a great paper but I am not renewing at $500/year. I also feel foolish spending at least an hour every day reading it. There are better things to do with the time. It does nothing for our stay-the-course portfolio. The Miami Her...
by BC_Doc
Mon Jul 09, 2012 3:34 am
 
Forum: Personal Consumer Issues
Topic: WSJ
Replies: 27
Views: 2636

Re: West Coast Beach Destinations

Vancouver, BC-- it's a gorgeous city. Loads of stuff for kids to see and do.

Then load them onto the ferry out to Vancouver Island-- next stop Long Beach/Tofino/Victoria.

The Oregon coast is beautiful too. Water is freezing though!
by BC_Doc
Fri Jul 06, 2012 12:19 pm
 
Forum: Personal Consumer Issues
Topic: West Coast Beach Destinations
Replies: 32
Views: 2284

Re: How to fire your adviser

Ask him, "Where are all the customers' yachts?", then submit the paperwork to have all of your investments transferred out in-kind.
by BC_Doc
Fri Jun 29, 2012 2:32 am
 
Forum: Investing - Theory, News & General
Topic: How to fire your adviser
Replies: 46
Views: 5073

Re: Notify insurance carrier of new roof?

My insurance carrier gave me a discount-- modest by my recollection-- when they were informed by my broker that I had placed a new roof on my house. I wasn't aware this was good for a discount until I asked my agent to reprice my policy and check for any possible discounts when the policy came up fo...
by BC_Doc
Fri Jun 29, 2012 2:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Notify insurance carrier of new roof?
Replies: 18
Views: 2404

Re: John Bogle's argument against going international

Less than 200 years ago, the US was an emerging market. Who knows what the future holds for both the US and the global economy? For these and other reasons, my equity holdings reflect global cap weighting. And in case I'm wrong? There's a role for the fixed income part of my portfolio.
by BC_Doc
Tue Jun 26, 2012 3:14 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle's argument against going international
Replies: 31
Views: 4648

Re: death of equities interview on BNN (Canada)

Stellar interview!

Thanks for posting the link.
by BC_Doc
Fri Jun 08, 2012 1:33 am
 
Forum: Investing - Theory, News & General
Topic: death of equities interview on BNN (Canada)
Replies: 10
Views: 1124

Re: What is the ER of your Equity Portfolio now?

VTI plus VEU-- 0.13%

I hadn't noticed VEU had lowered its MER-- thanks for pointing this out. Wow, Vanguard wins again. Thank you Jack Bogle for having making such a big impact on this retail investor!
by BC_Doc
Mon Mar 19, 2012 11:52 pm
 
Forum: Investing - Theory, News & General
Topic: What is the ER of your Equity Portfolio now?
Replies: 55
Views: 2742

Re: Mortgage-Backed Securities

Hi troysapp, I've avoided MBS in my fixed income holdings. For me equities are where I take my risks whereas fixed income is where I want to be conservative. For my bond holdings, I want things predictable and easy to understand. MBS adds risks and uncertainty that for me aren't worth it. In general...
by BC_Doc
Sat Mar 10, 2012 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: Mortgage-Backed Securities
Replies: 8
Views: 597

Re: Am I "young" or "middle aged"?

Hmmm, 38 is on the cusp I'd say. Act young/be young, but invest like you're middle aged! I'd say, you're not officially middle-aged until your turn 40, and 40 is the new 30, so even then, who knows??!! I recently turned 45, and for the record, that feels like being smack dab in the middle of middle ...
by BC_Doc
Thu Feb 16, 2012 12:48 am
 
Forum: Investing - Theory, News & General
Topic: Am I "young" or "middle aged"?
Replies: 28
Views: 3023

Re: What's the cheapest cell phone if you don't need minutes

t-mobile $100 for 1000 minutes that are good for one year. If you then pay $25, you get 150 new minutes and all your old minutes roll over. Repeat each year. After four years, you will have spent $175 for 1450 minutes (48 months times 30 minutes per month is 1440). That's under $4 a month. A quick ...
by BC_Doc
Wed Feb 15, 2012 3:25 am
 
Forum: Personal Consumer Issues
Topic: What's the cheapest cell phone if you don't need minutes?
Replies: 82
Views: 8932
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