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Re: Time Zone

AFAIK the forum software can't automatically switch between standard and daylight-saving time. You have to do that manually. Go to User Control Panel , click the Board Preferences tab, then click the Summer Time/DST is in effect radio buttons to toggle back and forth. Here's a direct link . The sem...
by Bylo Selhi
Sun Mar 09, 2014 10:48 am
 
Forum: Forum Issues and Administration
Topic: Time Zone [Changing the displayed time]
Replies: 40
Views: 3625

Re: TV show recommendations?

House of Cards, both the US version starring Kevin Spacey and the original UK version starring Ian Richardson.

Rake, the AU version starring Richard Roxburgh. Don't waste your time on the feeble US version starring Greg Kinnear.
by Bylo Selhi
Wed Mar 05, 2014 5:33 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 200
Views: 14137

Re: Low-cost mutual fund providers in Canada?

the mutual funds offered by her bank (Bank of Montreal). Mutual funds with expense ratios averaging 2%! Even the lowest-cost index funds (US Equity, Canadian Equity, Intl Equity) all have an MER > 1%. BMO also has their own low-cost ETFs if she wants to remain loyal to "her bank." See htt...
by Bylo Selhi
Wed Mar 05, 2014 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Low-cost mutual fund providers in Canada?
Replies: 6
Views: 251

Re: "Disposable" cell phone for four weeks in Canada?

As others have said, SpeakOut and Petro-Canada Mobility are probably your best bets, especially if you already have an unlocked GSM phone. You'll need a SIM ($10) plus airtime ($25 at 25¢/min.) No ID is required. SpeakOut is available only at 7-11 stores. They operate regionally (nothing east of Ont...
by Bylo Selhi
Wed Jan 29, 2014 4:11 pm
 
Forum: Personal Consumer Issues
Topic: "Disposable" cell phone for four weeks in Canada?
Replies: 5
Views: 539

Re: Stay off the Ontario 407 ETR! [Electronic Toll Road]

Hi VT. Here's a 407 highway robbery attempt that got thwarted. It seems 407ETR wanted to keep powers not available to anyone else—including CRA (Canada's IRS.) Hwy. 407 debts no reason to deny vehicle permits to bankrupt drivers, court rules Outstanding Highway 407ETR bills are not a valid reason fo...
by Bylo Selhi
Fri Jan 03, 2014 9:30 am
 
Forum: Personal Consumer Issues
Topic: Stay off the Ontario 407 ETR! [Electronic Toll Road]
Replies: 25
Views: 2477

Re: Sherlock - BBC series on Holmes set in 21st Century

the bbc iplayer rejects out of country requests. I was thinking of other sources like bit torrent. Programs usually become available within minutes of first airing. But if you want to watch via iPlayer there's http://hola.org/ et al. I realize that the legality of these techniques is questionable b...
by Bylo Selhi
Thu Jan 02, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Sherlock - BBC series on Holmes set in 21st Century
Replies: 67
Views: 5241

Re: Sherlock - BBC series on Holmes set in 21st Century

Dang. It takes 18 days for Sherlock to cross the ocean. :( On a slow boat maybe but not using the Internet ;) In fact, North Americans can get an, um, "advance" copy just after the show airs in the UK and watch it before (in local time) the folks in "Limey-land" get to see it :t...
by Bylo Selhi
Thu Jan 02, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: Sherlock - BBC series on Holmes set in 21st Century
Replies: 67
Views: 5241

Re: Stay off the Ontario 407 ETR! [Electronic Toll Road]

http://en.wikipedia.org/wiki/Ontario_Highway_407 takes you through the history of sold and resold. It's good, but incomplete. One of the "innovations" that was used to "sell" the idea of Hwy407 in the first place was the fully automated license plate reading. That was supposed t...
by Bylo Selhi
Mon Dec 30, 2013 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Stay off the Ontario 407 ETR! [Electronic Toll Road]
Replies: 25
Views: 2477

Motley Fool: Jack Bogle Answers Your Questions

An hour-long wide-ranging interview with Motley Fool's Tom Gardner. Video and transcript. Investing Legend Jack Bogle Answers Your Questions I think the market needs a certain amount of liquidity and I accept that — but how much liquidity do we need? Do we really need the market to turn over 250% a ...
by Bylo Selhi
Sat Nov 16, 2013 10:19 am
 
Forum: Investing - Theory, News & General
Topic: Motley Fool: Jack Bogle Answers Your Questions
Replies: 26
Views: 3571

Re: Time Zone [Changing the displayed time]

What about if you're not in the US and they observer DST on different dates? When you start trying to automate timezones you end up in a deep dark place. Why reinvent the wheel code? Why can't the phpBB developers obtain local time, adjusted for DST, from the OS? Windows for example has already cov...
by Bylo Selhi
Tue Nov 12, 2013 1:24 pm
 
Forum: Forum Issues and Administration
Topic: Time Zone [Changing the displayed time]
Replies: 40
Views: 3625

Re: Bogleheads Conference The Greatest

Thank you Mr. Bogle for helping me learn how to invest the simple way. +1 Incidentally the letter Jack mentioned he submitted to the WSJ in reaction to Fama's Nobel prize is now on the paper's website: Eugene Fama and Efficient Financial Market Theory [See my comments below. --admin LadyGeek] Also ...
by Bylo Selhi
Fri Oct 18, 2013 9:33 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Conference The Greatest
Replies: 26
Views: 3655

Re: Stay off the Ontario 407 ETR! [Electronic Toll Road]

umfundi wrote:What a ripoff!

Indeed! Look me up at BH12 next week and I'll explain how that legalized highway robbery came about :twisted: (The explanation is far too political to be allowed on this forum.)
by Bylo Selhi
Fri Oct 11, 2013 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Stay off the Ontario 407 ETR! [Electronic Toll Road]
Replies: 25
Views: 2477

Re: timex ironman wriststrap

rex wrote:the ones on amazon are selling for $12...

Not all of them, e.g. Voguestrap TX1802BK Allstrap 18mm Black Adjustable-Length Casuals Solid Nylon-Black Watchband "$4.95 & FREE Shipping on orders over $25." I'd also check out dollar stores.
by Bylo Selhi
Sat Oct 05, 2013 4:53 pm
 
Forum: Personal Consumer Issues
Topic: timex ironman wriststrap
Replies: 10
Views: 507

Re: timex ironman wriststrap

I have a ~15 year old (based on date code E3) Ironman. The plastic band on it also broke after a couple of years. I replaced it with an inexpensive black nylon strap. The print on the watch face has worn off in many places, but apart from that the watch and strap continue to work fine. BTW when it's...
by Bylo Selhi
Sat Oct 05, 2013 3:33 pm
 
Forum: Personal Consumer Issues
Topic: timex ironman wriststrap
Replies: 10
Views: 507

Re: Host failure at FWF [Financial Webring Forum]

FWIW Bluehost's sister (both part of Endurance International Group ) hosting company, Hostgator, is issuing updates on their status: Network Event : Provo Data Center . Whether their updates are of any value is another matter altogether. Recent sample, "You may notice sites going up and down un...
by Bylo Selhi
Fri Aug 02, 2013 4:50 pm
 
Forum: Forum Issues and Administration
Topic: Host failure at FWF [Financial Webring Forum]
Replies: 4
Views: 611

Re: Host failure at FWF [Financial Webring Forum]

LadyGeek wrote:The Financial Webring Forum is working for me.

It's been working (or not working) sporadically over the past day.

Same with other bluehost-hosted sites, e.g. http://www.wugfresh.com/ that I've been trying to get to in order to re-root my smartphone after the Android 4.3 update.
by Bylo Selhi
Fri Aug 02, 2013 4:28 pm
 
Forum: Forum Issues and Administration
Topic: Host failure at FWF [Financial Webring Forum]
Replies: 4
Views: 611

Re: Long Distance Walking

The poles should be collapsible down to a length that will fit your checked in baggage because they're not allowed in carry-on. Really? My wife and I took ours in carry-on for a recent trip to Hawaii. The Canadian version of TSA explicitly says on their website that hiking poles can't be taken on b...
by Bylo Selhi
Wed Jun 12, 2013 3:32 pm
 
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 133
Views: 13122

Re: Long Distance Walking

the roughest part was actually that a lot of the trail was very rocky, so even with thick soles, you could really feel every step. (Well, that and my knee is still sore from the downhill parts, but I think that's normal.) Good hiking boots with leather uppers, good ankle support and stiff Vibram so...
by Bylo Selhi
Wed Jun 12, 2013 12:33 am
 
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 133
Views: 13122

Re: Long Distance Walking

For those who think pilgrimages to Santiago de Compostela run only through France and Spain, see Way of St. James (route descriptions) and Jakobsweg in Salzburg and Tyrol Jakobsweg? But that's in Spain, and not in Tyrol! Where does the Way of St James actually start? Did St James the Apostle make a ...
by Bylo Selhi
Fri Jun 07, 2013 2:21 pm
 
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 133
Views: 13122

Re: Long Distance Walking

This is excellent information. I'd like to distinguish challenging multi- day hikes (up to a week) and long walks (over four weeks). For multi-day hikes HF seems a good choice. For multi- week walks, independence and flexibility trump convenience. To clarify, most HF tours are based in a single loc...
by Bylo Selhi
Sat May 25, 2013 11:59 am
 
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 133
Views: 13122

Re: Long Distance Walking

The reason I am now focusing on Camino de Santiago (The Way of St. James) is that I want to revive my former hiking experiences, and this seems an easy way to get back in. I can do Camino without a group, which is my preference. On the other hand, for more strenuous high-altitude treks in the Alps ...
by Bylo Selhi
Sat May 25, 2013 10:29 am
 
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 133
Views: 13122

Re: Long Distance Walking

What is your experience with tours vs. going it on your own? I tend to shy away from tours and away from the 'crowd' whenever possible. So do we. We'll consider a tour group only when we want to experience a new area/activity or where some sort of group transportation makes sense. We like HF becaus...
by Bylo Selhi
Fri May 24, 2013 8:34 pm
 
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 133
Views: 13122

Re: Long Distance Walking

Additional discussion here would be nice for those of us who may not be included in that discussion. There is some upthread, e.g. my post on Via Alpina and the alpine hut network, both of which span Europe. My offer to Victoria was to answer more specific stuff at BH12 but I'd be happy to answer qu...
by Bylo Selhi
Fri May 24, 2013 7:07 pm
 
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 133
Views: 13122

Re: Long Distance Walking

I have resurrected this thread because I want to do a long-distance walk next year. Right now, my first choice is Camino de Santiago, but I am interested in exploring other options. Let's talk at BH12. There are lots of options in Europe depending on your interests, fitness level, time constraints,...
by Bylo Selhi
Fri May 24, 2013 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 133
Views: 13122

Re: How $1 fee becomes $32

Another useful single-number rule comes from Malcolm Hamilton, a Canadian actuary and pension consultant. Rule of 40: Take 40. Divide by your mutual fund's MER. And presto, you've got the number of years it takes management expenses to consume one-third of your investment. Notes: 1. MER is the Canad...
by Bylo Selhi
Wed Apr 24, 2013 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: How $1 fee becomes $32
Replies: 15
Views: 2411

Re: today's Dilbert cartoon

Thought this also BH appropriate: http://www.dilbert.com/strips/2013-04-17/ Also one of the comments (click on the cartoon): Dogbert as a financial advisor said my #1 Dilbert line ever. When asked why he charges 1% of assets under management, he says... "These index funds aren't going to pick ...
by Bylo Selhi
Thu Apr 18, 2013 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: today's Dilbert cartoon
Replies: 31
Views: 4912

Re: today's Dilbert cartoon

It's the central dynamic behind con games, which is what is behind the proverb "you can't cheat an honest man." If you remember the old E. F. Hutton ads, it's the same thing . E. F. Hutton is certainly not going to advertise "invest with us because we have inside information," b...
by Bylo Selhi
Thu Apr 18, 2013 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: today's Dilbert cartoon
Replies: 31
Views: 4912

Re: today's Dilbert cartoon

Thought this also BH appropriate: http://www.dilbert.com/strips/2013-04-17/ Also one of the comments (click on the cartoon): Dogbert as a financial advisor said my #1 Dilbert line ever. When asked why he charges 1% of assets under management, he says... "These index funds aren't going to pick ...
by Bylo Selhi
Thu Apr 18, 2013 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: today's Dilbert cartoon
Replies: 31
Views: 4912

Re: Nexus 4

I find that it's only suitable on wifi, with 3g it's pretty spotty. Also, leaving on VOIP apps all the time also tends to drain the battery faster. As a result when I'm on a good wifi network I'll make calls over VOIP, and similarly if I receive a call I think will take a while I turn on VOIP and c...
by Bylo Selhi
Sat Apr 06, 2013 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Nexus 4
Replies: 31
Views: 3699

Re: Nexus 4

6. Apparently you can't call Canada on the 45/mo plan. My brother lives in Edmonton and has a Canadian cell phone/number; he I have texted regularly with no issues so far. He has also called me and there were no issues. I haven't called him yet. If your phone plan includes data then consider a VoIP...
by Bylo Selhi
Fri Apr 05, 2013 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Nexus 4
Replies: 31
Views: 3699

Re: ETFs have a Birthday

nisiprius wrote:GREAT article. So, the Canadians were first? :oops: Who knew? :D

Well, you should have known, e.g.viewtopic.php?p=1037334#p1037334 :P ;)
by Bylo Selhi
Wed Jan 23, 2013 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: ETFs have a Birthday
Replies: 6
Views: 735

Re: Pensions vs personal investing: Pensions win???

In Canada (Nortel, once the largest company) there is no protection. It varies by province, e.g. in Ontario: Pension Benefits Guarantee Fund (PBGF) provides protection, subject to specific maximums and specific exclusions, to Ontario members and beneficiaries of privately sponsored single-employer ...
by Bylo Selhi
Wed Jan 23, 2013 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: Pensions vs personal investing: Pensions win???
Replies: 36
Views: 3206

Re: Frustrating US-Canada Money Problem [Cross-Border Purcha

1) Canadian wanted to buy a phone only available in the US, but was prohibited from using Canadian CC to buy it. My inference is that the Canadian has an "Amerifriend" with a US address to which they want the phone shipped. Some online sellers, especially of valuable merchandise like phon...
by Bylo Selhi
Thu Dec 27, 2012 3:43 pm
 
Forum: Personal Consumer Issues
Topic: Frustrating US-Canada Money Problem [Cross-Border Purchases]
Replies: 22
Views: 1280

Re: Recommendations for Garage Lighting

My point is that if you want the convenience of using the same switch(es) that control the lights in your garage door opener to also control other lights in your garage, the the adapters I linked-to facilitate it.
by Bylo Selhi
Sat Nov 10, 2012 4:54 pm
 
Forum: Personal Consumer Issues
Topic: Recommendations for Garage Lighting
Replies: 20
Views: 1803

Re: Recommendations for Garage Lighting

I did not read it here, but my garage door openers have each two 100 W incandescent bulbs to light the car parking areas, and I can manually turn these lights on and off. Therefore, in my 2-car garage I have a total of six 100 W light bulbs, that is 2x2 from the garage door openers and 2 on the gar...
by Bylo Selhi
Sat Nov 10, 2012 11:42 am
 
Forum: Personal Consumer Issues
Topic: Recommendations for Garage Lighting
Replies: 20
Views: 1803

Re: Vanguard FTSE Canadian High Dividend Yield Index Fund

I wish that VG would make available their Canadian equity index funds to Americans, like VCE, which is only available on the Toronto exchange. My annual cost would go from .52% (I-shares) to .09% (Vanguard). Not necessarily. You'd realize the ER difference, for sure. But then you'd run into the dif...
by Bylo Selhi
Sat Nov 03, 2012 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard FTSE Canadian High Dividend Yield Index Fund
Replies: 11
Views: 1215

Re: New car awaiting delivery, possibly flooded

The reality of the situation is I want the person to think about it, to check if there's checking to be done... and make sure they're not just bluffing, blowing smoke, saying whatever they think I want to hear. But I don't want them to think that I'm trying to pull some subtle legal trick on them ,...
by Bylo Selhi
Sat Nov 03, 2012 2:07 pm
 
Forum: Personal Consumer Issues
Topic: New car awaiting delivery, possibly flooded
Replies: 33
Views: 2370

Re: Vanguard FTSE Canadian High Dividend Yield Index Fund

I agree re currency risk, however I want more international exposure. I already hold Total International and assume (I may be incorrect) that additional international investment in Canada carries less currency risk than any other nation. It wasn't that long ago that the Canadian dollar was known de...
by Bylo Selhi
Sat Nov 03, 2012 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard FTSE Canadian High Dividend Yield Index Fund
Replies: 11
Views: 1215

Re: Recommendations for Garage Lighting

That being said I'm wondering if I should replace the shop-lites with something different. LED's seem quite expensive. How about mercury vapor or sodium vapor? Do these take time to "warm up"? Would be interested in any ideas! 1. As others have already said, make sure you have the right b...
by Bylo Selhi
Sat Nov 03, 2012 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Recommendations for Garage Lighting
Replies: 20
Views: 1803

Re: Young guy wanting to start investing - unsure of where t

chaz wrote:Read the wiki on this forum, many good ideas.

Better still, read the Canadian wiki on this forum. Many good ideas for investors resident in Canada ;)
by Bylo Selhi
Mon Oct 29, 2012 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Young guy wanting to start investing - unsure of where to st
Replies: 6
Views: 509

Re: traveling with credit card

How common are the chip and PIN credit cards in Europe these days? A coworker took a vacation in Europe recently and was strongly advised to get a "chip" card. AFAIK in Europe and Canada all new cards have chip and pin. In Canada, where C&P is relatively new most card readers also acc...
by Bylo Selhi
Mon Aug 06, 2012 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: traveling with credit card
Replies: 25
Views: 1644

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

There are several local Bogleheads groups in different parts of the U.S. Perhaps, there is also one near Toronto? If there is none, you can try to form it. There's nothing like a formal chapter system up here. Some of us do get together for a beer from time to time in Toronto, Ottawa, Montreal, Cal...
by Bylo Selhi
Tue Jul 31, 2012 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recommended fee-only financial planner in or near Toronto?
Replies: 15
Views: 1312

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

And you need to take a DIY approach. That seems a bit strong, but I do agree with the general advice. Get a good discount broker (TD Greenline? ie TD Waterhouse). Then use ETFs and index funds. Been away a long time, eh? ;) TD Greenline, affectionately known as Greedline by some, changed to Waterho...
by Bylo Selhi
Mon Jul 30, 2012 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recommended fee-only financial planner in or near Toronto?
Replies: 15
Views: 1312

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

I was thinking of now investing within the confines of my professional corporation... but I'm starting to get out of my circle of competence given the potential legal and accounting ramifications of this. What complicates this further is that my wife is in essentially the same position. Then you ne...
by Bylo Selhi
Mon Jul 30, 2012 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recommended fee-only financial planner in or near Toronto?
Replies: 15
Views: 1312

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

Fee-only advisors are a relative rarity in Canada due to a number of factors, including industry environment, regulatory barriers, and cultural differences. I can't recommend anyone in particular but you might want to look at John DeGoey . If he doesn't accept clients with $200k perhaps he can recom...
by Bylo Selhi
Sun Jul 29, 2012 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recommended fee-only financial planner in or near Toronto?
Replies: 15
Views: 1312

Re: Transfer money from Canada to USA

how do you then get the money from your Canadian brokerate to a US bank? Will Canadian brokerages wire funds to US banks, and what is the fee? I imagine they can. Best to call the brokerage and ask. Also keep in mind that US-listed stocks and ETFs can be easily transferred in-kind. I don't know abo...
by Bylo Selhi
Wed Jul 18, 2012 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transfer money from Canada to USA
Replies: 11
Views: 1203

Re: Long Distance Walking

Long distance walking is common in parts of Europe... Try this :twisted: http://www.viaalpina.com/ The Via Alpina is one of the longest and most spectacular hiking trails in all of Europe and perhaps the entire world. Alpine trekking draws millions of hikers from all over the world each year to tra...
by Bylo Selhi
Mon Jul 09, 2012 11:08 am
 
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 133
Views: 13122

Re: Estate duty on non-US resident

Common sense tells me it is the ETF domicile that matters only? Correct. Vanguard has Canadian domiciled ETFs that invest in US equities. These are not subject to US estate tax. if I use a non-US-based brokerage and buy US-domiciled ETF (in the brokerage name), would I have to pay estate tax in tha...
by Bylo Selhi
Sat Jul 07, 2012 11:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Estate duty on non-US resident
Replies: 28
Views: 2494

Re: Currency Hedged fund vs. neutral vs. not

The top ten holdings mirror the S&P/TSX 60 . The report references the fund's tracking of "the benchmark" but I've yet to find specific mention that the benchmark is the S&P/TSX 60. Hrm. Keep in mind that the DB plan's commitment to you is to pay a pension based on the best (last?...
by Bylo Selhi
Fri May 11, 2012 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Currency Hedged fund vs. neutral vs. not
Replies: 15
Views: 894

Re: Currency Hedged fund vs. neutral vs. not

Bylo, taking that into account he should be: - even more diversified into non CAD assets, possibly 80% - probably shouldn't hold many, if any, Canadian bonds, particularly not government bonds so 'interesting to debate theoretically' I would rather put it as 'has a direct bearing on asset allocatio...
by Bylo Selhi
Fri May 11, 2012 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Currency Hedged fund vs. neutral vs. not
Replies: 15
Views: 894
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