Search found 689 matches

by Bylo Selhi
Tue Jul 28, 2015 9:58 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Explains How the Index Fund Won With Investors
Replies: 3
Views: 414

Re: Jack Bogle Explains How the Index Fund Won With Investors

Every time I see your cute little beaver waving the Canadian flag I laugh :happy Enjoy! https://www.google.ca/search?q=canadian+flag+waving+beaver&source=lnms&tbm=isch&sa=X&ved=0CAcQ_AUoAWoVChMI6PG58In-xgIVVBOSCh0wTwuD&biw=1920&bih=1087 http://images.clipartof.com/thumbnails...
by Bylo Selhi
Tue Jul 28, 2015 8:41 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Explains How the Index Fund Won With Investors
Replies: 3
Views: 414

Jack Bogle Explains How the Index Fund Won With Investors

Jack Bogle Explains How the Index Fund Won With Investors A. ...Warren Buffett believes this. He said that 90% of the trust he’s leaving to his wife should go in the Vanguard 500 Index Fund. Q: If he’d asked, would you have suggested the more diverse Vanguard Total Stock Market Fund instead? A: Yea...
by Bylo Selhi
Sun Jul 05, 2015 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Non-US citizen with US Brokers: Estate Tax risk?
Replies: 51
Views: 7501

Re: Non-US citizen with US Brokers: Estate Tax risk?

By the way, how does the IRS or anyone actually know if the account holder is dead? Many countries have entered into tax treaties and tax information exchange agreements. The extent of this information sharing has increased in recent years, in part in reaction to anti-terrorism efforts and in part ...
by Bylo Selhi
Sun Jun 28, 2015 6:49 am
Forum: Investing - Help with Personal Investments
Topic: Non-US citizen with US Brokers: Estate Tax risk?
Replies: 51
Views: 7501

Re: Non-US citizen with US Brokers: Estate Tax risk?

There is a lot of questionable information on this thread, but as usual TedSwippet is accurate. +1 and +1 Something to keep in mind: if an NRA investor uses a foreign holding company to invest in US property using US brokerages virtually all the US estate/gift tax problems disappear. This is the st...
by Bylo Selhi
Mon May 11, 2015 9:15 pm
Forum: Personal Consumer Issues
Topic: Toronto Vacation - Finding a hotel
Replies: 41
Views: 3465

Re: Toronto Vacation - Finding a hotel

There are no tollbooths. All is done by camera. Or a transponder. That saves the $4/entry camera fee. I went to Toronto for a weekend and was on the 407 three times. The tolls turned out to be more than a few dollars per mile. Economics 101: they charge what the market will bear. Never got a bill i...
by Bylo Selhi
Sun May 10, 2015 8:08 am
Forum: Personal Consumer Issues
Topic: Toronto Vacation - Finding a hotel
Replies: 41
Views: 3465

Re: Toronto Vacation - Finding a hotel

30 minutes on a good day ;-). When the TTC subway (Yonge Line) is not having issues. One advantage is that far north, you have a chance of finding a seat 7.15-9.15 am. But it's not a nice ride downtown in rush hour. I would think that tourists, especially with kids, wouldn't be riding the rails bef...
by Bylo Selhi
Wed May 06, 2015 3:28 pm
Forum: Personal Consumer Issues
Topic: Toronto Vacation - Finding a hotel
Replies: 41
Views: 3465

Re: Toronto Vacation - Finding a hotel

We just booked at "Best Western Roehampton Hotel & Suites" located at 808 Mount Pleasant Road Toronto ON M4P2L2. http://www.expedia.com/Toronto-Hotels-Best-Western-Roehampton-Hotel-Suites.h24114.Hotel-Information It's just a short walk to the Eglinton station on the Yonge St (main) li...
by Bylo Selhi
Sat May 02, 2015 8:02 am
Forum: Investing - Theory, News & General
Topic: Even Financial Pros Choose Indexing for Retirement Savings
Replies: 6
Views: 1383

Re: Even Financial Pros Choose Indexing for Retirement Savin

Are the numbers higher for index funds in Canada where the MERs are a lot higher? I suspect the percentage of pros who index their own money is lower than in the US. Likewise the penetration of indexing in general is lower. There are several reasons for this. 1. Indexing has been around for a lot s...
by Bylo Selhi
Thu Apr 30, 2015 12:08 pm
Forum: Investing - Theory, News & General
Topic: Even Financial Pros Choose Indexing for Retirement Savings
Replies: 6
Views: 1383

Even Financial Pros Choose Indexing for Retirement Savings

Even Financial Pros Choose Indexing for Retirement Savings Planning for retirement? You're better off saving on fees in an index fund than trying to beat the markets. That recommendation by legendary investor Jack Bogle is shared by 42 percent of financial professionals in the latest Bloomberg Mark...
by Bylo Selhi
Wed Apr 15, 2015 7:32 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 358
Views: 152298

Re: TV show recommendations?

No one has mentioned Better Call Saul which just finished its first season. It's about Saul Goodman and Mike Ehrmantraut before they arrived on Breaking Bad . The show runners are Vince Gilligan and Peter Gould of BB so it has all the creative genius that made BB so good. While the show stands on it...
by Bylo Selhi
Sat Apr 11, 2015 6:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 6828

Re: Favorite Boglehead Avatar?

My avatar is a Black Swan, which I have created by modifying another picture. I was thinking that it signifies my Black Swan awareness ... until someone commented that it looks like a peacock. Is there such a thing as a Black Peacock? (The closest to one that I've seen was the NBC logo on a monochr...
by Bylo Selhi
Mon Mar 30, 2015 8:25 am
Forum: Local Chapters and Bogleheads Community
Topic: R.I.P. George-J
Replies: 4
Views: 2364

Re: R.I.P. George-J

Always sorry to hear of the demise of a decent human being, and George seemed eminently qualified on that count. He was one of the most decent persons I've had the privilege to know. George also attended one or two Bogleheads conferences. Here's his obituary . There will be a memorial and celebrati...
by Bylo Selhi
Tue Mar 17, 2015 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard account canada
Replies: 4
Views: 497

Re: Vanguard account canada

what are the fees like with brokers? Typically $10/trade. Some brokers require a minimum account size to get that rate. Others may offer lower rates. And others offer free buys of [very] selected ETFs, e.g. Scotiabank's iTRADE with commission-free ETFs . Another small broker, Questrade (not to be c...
by Bylo Selhi
Tue Mar 17, 2015 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Do you still use currency or have you gone all-plastic?
Replies: 47
Views: 3681

Re: Do you still use currency or have you gone all-plastic?

This is not a dichotomy. (Waiting for the Canadians and Australians to chime in.) OK I'll bite. 1. Everything in my wallet is plastic (except for the metal in the chips.) 2, Everything in my change purse is metal. Exceptions: (a) When I travel to the USA or Europe I usually carry a wad of paper (b)...
by Bylo Selhi
Sat Mar 14, 2015 12:32 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 945
Views: 196698

Re: Best watch for around $5,000?

Actually, I live in New England, and since I am about 2000 miles from WWV in Fort Collins and 500 miles from CHU in Ottawa, it's quite possible that for me, CHU might be more accurate--unless "atomic watches" include a GPS and make an allowance for speed-of-light propagation delays. Which...
by Bylo Selhi
Mon Mar 09, 2015 8:51 am
Forum: Personal Consumer Issues
Topic: Kitchen appliance question
Replies: 10
Views: 1211

Re: Kitchen appliance question

Does anyone have any experience with the Jenn Air brand? We have had KitchenAid and Whirlpool with no problems. Thanks. FWIW all of the above brands are made by Whirlpool , as are Maytag, Amana, etc. Many models among these brands share common parts. That may not be the case with Jenn-Air due to it...
by Bylo Selhi
Thu Feb 26, 2015 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Young and New to investing. [Canada]
Replies: 3
Views: 345

Re: Young and New to investing. [Canada]

However, I recommend you join and post your question in our sister Canadian forum: Financial Wisdom Forum , you'll get expert advice. The best information comes from your home country forum. They also have an excellent wiki, start here: Getting started - finiki, the Canadian financial wiki Thanks. ...
by Bylo Selhi
Wed Feb 25, 2015 5:19 pm
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 100
Views: 10773

Re: Subaru and Consumer Reports ratings

I just replaced my 2003 Forester with a 2015 model if that gives any indication of my satisfaction with that make and model. The new CVT makes the car much peppier, smoother and more fun to drive than the old auto tranny. Gas mileage on the 2015 is substantially improved. Handling is a bit lighter o...
by Bylo Selhi
Thu Feb 19, 2015 9:16 am
Forum: Investing - Theory, News & General
Topic: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM
Replies: 30
Views: 2852

Re: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM

Happy Birthday from the Great White North. It may be frigid outside with record cold weather but this place remains a warm refuge for Jack Bogle adherents and devotees.

Image
by Bylo Selhi
Sat Feb 14, 2015 7:51 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 945
Views: 196698

Re: Best watch for around $5,000?

It doesn't mean anything that your watch matches WWV. Your watch is basically getting the time FROM WWV... or rather your watch and WWV are getting their time from the same place... so they could both be off. They both are off. Even atomic clocks, the source of WWV's time signal, are "off"...
by Bylo Selhi
Wed Feb 04, 2015 12:23 pm
Forum: Personal Consumer Issues
Topic: hut to hut in the Alps
Replies: 10
Views: 1351

Re: hut to hut in the Alps

Jon Hurdle's Walking Austria's Alps: Hut to Hut . Hurdle is a transplanted Brit living in the US who freelances for the NY Times. Here's an article he wrote about 30 years ago that nicely summarizes the hut-to-hut experience: HIKING HUT TO HUT IN AUSTRIA . As I said before this material is now some...
by Bylo Selhi
Wed Feb 04, 2015 9:26 am
Forum: Personal Consumer Issues
Topic: hut to hut in the Alps
Replies: 10
Views: 1351

Re: hut to hut in the Alps

I could go on for hours. Where to begin... ;) As background, my wife and I have been doing hut-to-hut hiking in the Alps regularly since the mid-80s. Mostly in Austria but also Switzerland, Germany, Italy and Poland. We've done everything from day trips to 2 to 3 week trans-alpine treks, staying in ...
by Bylo Selhi
Tue Jan 27, 2015 8:21 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 945
Views: 196698

Re: Best watch for around $5,000?

How to Buy Happiness: The Purchases Most Likely to Bring You Joy While true happiness may be something that can only be found in the heart, there are plenty of arguments that say money can actually buy you some happiness here and there. Here are some of the ways experts say it's possible to write a...
by Bylo Selhi
Mon Jan 26, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 945
Views: 196698

Re: What experts say about $5,000 watches

For anyone wanting a watch that keeps perfect time, I recommend this one: http://www.hammacher.com/Product/84166?promo=search My wife gave me one for Christmas some years ago and it's the most accurate watch I've ever owned. Every time I've checked it with WWV it is accurate to the second and runs ...
by Bylo Selhi
Sun Jan 25, 2015 10:48 pm
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 65
Views: 8506

Re: Winter Coat

ItsOK27 wrote:I currently work in Korea. Any other advice on winter jacket sales such as Columbia or NF? TIA

REI currently has a winter sale in their outlet store but they won't ship Patagonia, Columbia or TNF products outside the US so you'd need a family member or friend stateside that can buy on your behalf.
by Bylo Selhi
Sun Jan 25, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 65
Views: 8506

Re: Winter Coat

ItsOK27 wrote:Is this international or only in the US?

Columbia's warranty or Patagonia's sale?

I can vouch that Columbia's warranty is honored in Canada, no time limit, proof of purchase/receipt, etc. required.
by Bylo Selhi
Sun Jan 25, 2015 10:19 am
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 65
Views: 8506

Re: Winter Coat

I am looking for a down winter jacket. Some one pointed that prices are discounted during the early part of the year. I have not been able to find good prices on Patagonia down jackets. That was me. I've also been looking for a down coat for a friend. The sales so far have been disappointing with v...
by Bylo Selhi
Thu Jan 22, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 945
Views: 196698

Re: Best watch for around $5,000?

nisiprius wrote:The real convincer will be when I start articles about products that are being described as "iWatch killers."

Real watch enthusiasts don't buy iWatches. They DIY. :mrgreen:
by Bylo Selhi
Wed Dec 31, 2014 3:29 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 526
Views: 83940

Re: Boglehead Beer

Those 12%'ers knock me out if I'm not careful, and that's not the goal. The regular Aventinus is a pretty strong beer itself, coming in at around 8% ABV if I recall correctly. Cheers to you if you can throw more than 1 or 2 of those back in a night, sounds like a party to me :) I have two bottles o...
by Bylo Selhi
Thu Dec 25, 2014 4:04 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 526
Views: 83940

Re: Boglehead Beer

linenfort wrote:All time favorite: Schneider Aventinus w/ the purple label (not the Eis stuff)

What's wrong with the Eisbock? While I like the regular I prefer the Eisbock on a cold winter's night. At 12% ABV one bottle keeps you warm all evening.
by Bylo Selhi
Fri Dec 05, 2014 5:01 pm
Forum: Personal Consumer Issues
Topic: Cell phone usage while visiting Canada
Replies: 10
Views: 1945

Re: Cell phone usage while visiting Canada

Another option to consider: KnowRoaming . (See also: Canadian startup to offer technology aimed at cutting roaming rates .) This is a thin sticker that goes over your existing SIM. It intercepts your traffic when you're out of the US to provide relatively inexpensive roaming. This YouTune video expl...
by Bylo Selhi
Thu Nov 27, 2014 4:31 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 526
Views: 83940

Re: Boglehead Beer

Speaking of beer, in case anyone has been wondering about this phenomenon, Bubble physics explains beer's own anti-spill mechanism While carrying drinks from the bar, Alban Sauret at Princeton University and his colleagues noticed that beer rarely sloshed out of a glass, provided it wasn't full to t...
by Bylo Selhi
Thu Nov 27, 2014 4:05 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 526
Views: 83940

Re: Boglehead Beer

At 13.8% ABV a case packs the wallop of 12 bottles of red wine. You can't buy anything approaching a "world class" quality wine for under $12 a bottle. Sure you can. Schneider Aventinus Weizen-Eisbock is 12% ABV and sells in these parts for CA$5.60 (~US$5). It's also RateBeer's "Best...
by Bylo Selhi
Tue Nov 18, 2014 4:37 pm
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 65
Views: 8506

Re: Winter Coat

There was a chap at our office who wore a parka similar to this but even puffier. We referred to him the Michelin tire man.

Image
by Bylo Selhi
Tue Nov 18, 2014 3:39 pm
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 65
Views: 8506

Re: Winter Coat

I'm a plugger with my 20 year old winter coat with the broken zipper that sometimes works if I use a paper clip to coax it up or down. Zippers aren't expensive to replace. It's an option to explore if the coat is otherwise OK. Some higher-end brands of sports wear offer a life time guarantee, e.g. ...
by Bylo Selhi
Fri Oct 17, 2014 1:24 pm
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 11467

Re: Best town I've never heard of [for relocating]

Goldie Long gone but not easily forgotten . The pledge breaks, not so much. It seems she did come back, e.g. in WNED COOKS! and PLAIN & FANCY COOKING . And of course Buffalo remains the destination of choice for southern Ontarians seeking cross-border "bargoons" and cheap(er) gas petr...
by Bylo Selhi
Tue Aug 05, 2014 8:11 pm
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 34
Views: 4368

Re: O Canada! Questions about traveling to Canada :-)

From Tobermory, you can also take a boat ride to the Flowerpot Island. When the boat is operating, which is generally during the summer months. But as an_asker discovered even then sometimes the boat can't run due to inclement weather. This past winter for the first time in many years the water in ...
by Bylo Selhi
Tue Aug 05, 2014 12:52 pm
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 34
Views: 4368

Re: O Canada! Questions about traveling to Canada :-)

Without much ado, we proceeded onto QEW (I was quaking in my boots - NOT! - of inadvertently turning onto the dreaded 407). At that point, the heavens opened up. I have never seen thunder and lightning in those proportions in Central Florida, I kid you not! Folks were driving 45 mph on QEW and I di...
by Bylo Selhi
Mon Aug 04, 2014 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life for a Canadian living in the US?
Replies: 4
Views: 316

Re: Term Life for a Canadian living in the US?

Is it possible to buy life insurance in the US now and keep that contract if we move back to Canada some time in the future? In addition to others' comments to ask your agent and confirm with the company directly, look for Canadian insurers who operate in the US. For instance Manulife owns John Han...
by Bylo Selhi
Sun Aug 03, 2014 8:54 am
Forum: Investing - Help with Personal Investments
Topic: How to invest when your under 18 years old? [Canada]
Replies: 2
Views: 311

Re: How to invest when your under 18 years old? [Canada]

Hi, I am 15 years old and I want to start investing. I've gone to many banks but they do not allow people under 18 years old to open an investing account. Are there any banks (in Ontario, Canada) that allow people under 18 years old to start investing and if so how? Hi awesome (and starting to inve...
by Bylo Selhi
Sun Jul 27, 2014 9:12 pm
Forum: Personal Consumer Issues
Topic: Int'l Train Travel
Replies: 28
Views: 1944

Re: Int'l Train Travel

The best train website in Europe is http://www.bahn.de. Hit the Brit flag if you want to run it in English. That site not only gives train times all over Europe, but can take you from point to point. Walk here, take this bus for 12 minutes, then get on this train, changing here, and finally walk si...
by Bylo Selhi
Sun Jul 27, 2014 11:16 am
Forum: Personal Consumer Issues
Topic: Int'l Train Travel
Replies: 28
Views: 1944

Re: Int'l Train Travel

Switzerland! Your train pass is also good on gondolas, funiculars, etc., up in the mountains. Depends on the pass and the cable car, funicular, etc. line. Some offer only a discount of 25% to 50% (e.g. Jungfrau Bahn.) Generally train travel à la carte in Switzerland is very expensive. If you plan t...
by Bylo Selhi
Sat Jul 19, 2014 2:20 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 526
Views: 83940

Re: Boglehead Beer

LadyGeek wrote:They have a website: Yuengling's Ice Cream, PA, click on the store locator. Yes, you can buy it in Wellsboro (zip code is 16901). I'm thinking the Black & Tan would go good with a beer.

Cool! Looks like they're available at Wegman's stores around Buffalo, a mere 2 hour drive :sharebeer
by Bylo Selhi
Sat Jul 19, 2014 10:55 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 526
Views: 83940

Re: Boglehead Beer

1. Free Hmm... I've been looking for Free beer but it's always been available only tomorrow. http://i60.tinypic.com/keudxh.jpg I've got 2 types in my freezer right now - Black & Tan and Espresso . Both are excellent quality - at the level Ben & Jerry's used to be before they sold out. Where...
by Bylo Selhi
Wed Jul 16, 2014 7:47 am
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 34
Views: 4368

Re: O Canada! Questions about traveling to Canada :-)

My 10 year old DUI flagged my record and we spent an extra hour going through customs... The paranoia and arbitrariness cuts both ways. Our two countries have information-exchange treaties that includes access to each other's criminal records databases. (Our tax collection agencies also share finan...
by Bylo Selhi
Wed Jul 09, 2014 4:30 pm
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4978

Re: Light Bulb Durability

All totally true. Now for the nerd answer... Yes, I meant to point out that the amount of mercury released depends on how the power is generated. While nuclear may not release much mercury it does produce other far more toxic byproducts that last far longer. (Granted they're supposed to be containe...
by Bylo Selhi
Tue Jul 08, 2014 12:03 pm
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4978

Re: Light Bulb Durability

I have not fully checked the toxicology, but unless you actually ingest all the mercury from a broken bulb, then the amount is very unlikely to do a healthy adult harm-- and you will not be eating it. Also it's been shown that to generate the extra electricity required to power an incandescent vs a...
by Bylo Selhi
Mon Jul 07, 2014 11:16 am
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4978

Re: Light Bulb Durability

Valuethinker wrote:I have not tried LEDs with dimmer switches.

I have some of the Cree bulbs on dimmers. They work fine. Compatible Dimmers for Cree® LED bulbs
by Bylo Selhi
Sun Jul 06, 2014 7:11 am
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4978

Re: Light Bulb Durability

I have a home office that I go in and out of all day, and the lights are cycled on and off maybe 20 times a day or more. It is driving me nuts that the light bulbs don't last more than a couple of months. I was in a similar situation with a basement office and bathroom. After replacing the original...
by Bylo Selhi
Sat Jul 05, 2014 12:38 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 358
Views: 152298

Re: TV show recommendations?

I went in thinking that it would give me a bit of a retro nostalgia kick, but I'm a few episodes in and I'm getting sucked into the characters and story as well. Yes, it does seem to be getting better with each episode. My initial reaction to the first episode was that the story was too esoteric an...

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