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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 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 9666

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 9:11 pm
 
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 34
Views: 3818

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 1:52 pm
 
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 34
Views: 3818

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 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life for a Canadian living in the US?
Replies: 4
Views: 278

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 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: How to invest when your under 18 years old? [Canada]
Replies: 2
Views: 274

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 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Int'l Train Travel
Replies: 28
Views: 1728

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 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Int'l Train Travel
Replies: 28
Views: 1728

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 3:20 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 48772

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 11:55 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 48772

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 8:47 am
 
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 34
Views: 3818

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 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4679

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 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4679

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 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4679

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 8:11 am
 
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4679

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 1:38 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 143117

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 12:04 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 143117

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 8:28 am
 
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 34
Views: 3818

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 5:15 pm
 
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 34
Views: 3818

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 12:02 pm
 
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 34
Views: 3818

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 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 143
Views: 15761

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: 8214

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: 304
Views: 143117

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: 328

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: 625

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: 2914

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: 5343

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: 5343

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: 2914

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: 3878

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: 8214

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: 3891

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: 2914

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: 585

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: 585

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: 700

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: 700

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: 143
Views: 15761

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: 143
Views: 15761

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: 143
Views: 15761

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: 143
Views: 15761

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: 143
Views: 15761

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: 143
Views: 15761

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: 143
Views: 15761

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: 143
Views: 15761

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: 2436

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: 5190

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: 5190

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: 5190

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: 4431

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: 4431
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