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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 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard account canada
Replies: 4
Views: 416

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
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: 3211

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
Sat Mar 14, 2015 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 935
Views: 185928

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
Mon Mar 09, 2015 8:51 am
 
Forum: Personal Consumer Issues
Topic: Kitchen appliance question
Replies: 10
Views: 995

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
Thu Feb 26, 2015 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Young and New to investing. [Canada]
Replies: 3
Views: 263

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
Wed Feb 25, 2015 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 100
Views: 8974

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
Thu Feb 19, 2015 9:16 am
 
Forum: Investing - Theory, News & General
Topic: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM
Replies: 30
Views: 2612

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
Sat Feb 14, 2015 7:51 am
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 935
Views: 185928

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 12:23 pm
 
Forum: Personal Consumer Issues
Topic: hut to hut in the Alps
Replies: 10
Views: 1204

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
Wed Feb 04, 2015 9:26 am
 
Forum: Personal Consumer Issues
Topic: hut to hut in the Alps
Replies: 10
Views: 1204

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
Tue Jan 27, 2015 8:21 am
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 935
Views: 185928

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
Mon Jan 26, 2015 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 935
Views: 185928

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 10:48 pm
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 65
Views: 7973

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 10:46 am
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 65
Views: 7973

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
Sun Jan 25, 2015 10:19 am
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 65
Views: 7973

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
Thu Jan 22, 2015 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 935
Views: 185928

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
Wed Dec 31, 2014 3:29 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 498
Views: 72993

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
Thu Dec 25, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 498
Views: 72993

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
Fri Dec 05, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: Cell phone usage while visiting Canada
Replies: 10
Views: 1836

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 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 498
Views: 72993

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
Thu Nov 27, 2014 4:05 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 498
Views: 72993

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 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 65
Views: 7973

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
Tue Nov 18, 2014 3:39 pm
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 65
Views: 7973

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
Fri Oct 17, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 10854

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 8:11 pm
 
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 34
Views: 4128

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
Tue Aug 05, 2014 12:52 pm
 
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 34
Views: 4128

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
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: 287

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 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: 288

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 9:12 pm
 
Forum: Personal Consumer Issues
Topic: Int'l Train Travel
Replies: 28
Views: 1847

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
Sun Jul 27, 2014 11:16 am
 
Forum: Personal Consumer Issues
Topic: Int'l Train Travel
Replies: 28
Views: 1847

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 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 498
Views: 72993

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
Sat Jul 19, 2014 10:55 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 498
Views: 72993

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 16, 2014 7:47 am
 
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 34
Views: 4128

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
Wed Jul 09, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4812

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
Tue Jul 08, 2014 12:03 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4812

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
Mon Jul 07, 2014 11:16 am
 
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4812

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
Sun Jul 06, 2014 7:11 am
 
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4812

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...
by Bylo Selhi
Sat Jul 05, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 144533

Re: TV show recommendations?

Good news for Sherlock fans, although it will be a bit of a wait: Sherlock back for Christmas special, says Martin Freeman and Sherlock: Fourth series to follow a special in 2015

In the meantime, you can get more of Martin Freeman on Fargo, an excellent TV series in its own right.
by Bylo Selhi
Sat Jul 05, 2014 11:04 am
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 144533

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

I entered the 407 by mistake a couple of years ago... I was wondering if I was going to get a ticket in the mail afterwards but never did. I was living in MA at the time and my car plate was from MA. I guess they couldn't be bothered. You were lucky. Other Bogleheads, not so much: Stay off the Onta...
by Bylo Selhi
Thu Jul 03, 2014 7:28 am
 
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 34
Views: 4128

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

gary11 wrote:We used Rainbow bridge to cross the border and observed that from 11 AM to 4 PM bridge was a parking lot. Someone could easily get stuck in traffic on bridge for about an hour.

The Peace bridge in Buffalo is usually faster. If you have a smartphone you can monitor for delays here.
by Bylo Selhi
Wed Jul 02, 2014 4:15 pm
 
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 34
Views: 4128

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

- what are the "nature" related things we could do within, say, five hours of Niagara Falls into Canada (any direction)? In Toronto, the Zoo (in the burbs) and Aquarium (downtown beside the CN Tower.) Toronto is about a 2 hr drive from Niagara. Further afield if you like hiking and specta...
by Bylo Selhi
Wed Jul 02, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 34
Views: 4128

Re: Long Distance Walking

I have collapsible trekking poles, are these also not allowed on airplanes? They are but they have to be in checked baggage, not carry-on. We've done it without incident across the Atlantic on a couple dozen of trips, as recently as last week. Added : This suggests that the carry-on restriction was...
by Bylo Selhi
Sat Jun 21, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 143
Views: 16331

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 9:48 am
 
Forum: Forum Issues and Administration
Topic: Time Zone [Changing the displayed time]
Replies: 46
Views: 10138

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 4:33 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 144533

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 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Low-cost mutual fund providers in Canada?
Replies: 6
Views: 363

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 3:11 pm
 
Forum: Personal Consumer Issues
Topic: "Disposable" cell phone for four weeks in Canada?
Replies: 5
Views: 646

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 8:30 am
 
Forum: Personal Consumer Issues
Topic: Stay off the Ontario 407 ETR! [Electronic Toll Road]
Replies: 25
Views: 3154

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 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Sherlock - BBC series on Holmes set in 21st Century
Replies: 67
Views: 5376

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 8:12 am
 
Forum: Personal Consumer Issues
Topic: Sherlock - BBC series on Holmes set in 21st Century
Replies: 67
Views: 5376
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