Search found 179 matches

by BC_Doc
Tue May 15, 2018 6:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 9006

Re: Yes, I'm 89 all right! [Jack Bogle]

Happy birthday Jack! All the best to you in the coming year.

Thank you for all you have done to help my family and I plan, save, and invest for the future. You have my profound gratitude.

Sincerely,

“BC Doc”
Okanagan, British Columbia
by BC_Doc
Sun Apr 15, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 12118

Re: What is your AA, given your age? and, Why?

50-50 at age 51. Was 90-10 until November 2016 when I realized I’d hit my magic number and effectively won the game. I’m an ER doctor who continues to work despite now having enough to retire. I like what I do but it’s tiring and stressful so I’m not sure what age I’ll work to or when I’ll start wor...
by BC_Doc
Thu Feb 08, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 3730

Re: Jogging in the cold.

I also wear ice grippers on my running shoes as everything is ice most of the winter I've never owned "ice grippers" - is there a particular brand or style you would recommend? Spiking an old pair of running shoes is the way to go. Buy a box of hexagonal head sheet metal screws for a few dollars an...
by BC_Doc
Thu Jan 25, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Buying This Week: IPhone X or IPhone 8 Plus
Replies: 35
Views: 3227

Re: Buying This Week: IPhone X or IPhone 8 Plus

I bought the iPhone 8 in early December. I consider the iPhone X a beta version of the iPhone— I didn’t want to pay a premium to be an early adopter. If you have the opportunity, you might want to look at the Consumer Reports reviews for the 8 Plus and X. As I recall, the 8 and the X received the sa...
by BC_Doc
Thu Jan 25, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Swing Shift vs 8-5
Replies: 32
Views: 2219

Re: Swing Shift vs 8-5

Another ER doc here. I love my big chunks of time off. I hate the impact of the variable shifts on my circadian rhythm— much of my life, I walk around feeling like I have jet lag. I exercise regularly (running plus other sports), keep to a vegetarian diet, play/travel frequently to try to limit some...
by BC_Doc
Thu Jan 25, 2018 2:31 am
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 9192

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

My phones are a business expense. I also have a bunch of kids who need phones. To this end, every year I’ve bought the latest and greatest iPhone and one of my kids has received the cast-off. I’ve gone from the iPhone 6 to a 7 and most recently an 8. Aside from annual incremental improvements to the...
by BC_Doc
Thu Jan 25, 2018 2:19 am
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 6487

Re: Your bond allocation when you were 48

At 48, I was 90-10.
At age 50, I realized I’d won the game (hat tip to Bill Bernstein) and quickly dialed down to 50-50.
I’m age 51 now with a few years more work in front of me (ER doc who’s not yet quite ready to throw in the towel yet).
by BC_Doc
Thu Dec 28, 2017 1:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 8972

Re: My Christmas Present to You

Merry Christmas Taylor and all the best to you in 2018.
With respect and gratitude,

BC Doc
by BC_Doc
Sat Dec 16, 2017 7:38 pm
Forum: Personal Consumer Issues
Topic: 4WD necessary/recommended on Big Island, HI
Replies: 39
Views: 3114

Re: 4WD necessary/recommended on Big Island, HI

No reason to rent a 4x4 on the big island. Like others said...park at the parking area by the green sand beach and either walk the rest of the way or pay a local. Even if you drive to the top of the keck observatory...no need for a 4x4. Also...if you're staying in kona and have a costco membership....
by BC_Doc
Sun Dec 10, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: detergent without non-recyclable packaging?
Replies: 28
Views: 1841

Re: detergent without non-recyclable packaging?

A google search shows all kinds of recycling for plastic laundry detergent bottles. For instance, https://www.terracycle.com/en-US/brigades/tide I know you said non-plastic, but plastic is recycle-able, isn't it? Our curbside recycling program takes them and the caps. There is a lot of waste involv...
by BC_Doc
Mon Dec 04, 2017 1:44 am
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 10848

Re: Which crash have you seen it before it is coming?

I was in the transportation industry for 30 years so felt/survived a few meltdowns but both 2000 and 2008 I knew something was up the way tonnage was down and companies were further out on there receivables but not much I could do but sell equipment I wasn't using. 2008 was worse because not enough...
by BC_Doc
Sat Oct 28, 2017 10:00 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 95
Views: 17493

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Congratulations Taylor and Mel— I look forward to adding a copy to my bookshelf! Where I live in beautiful British Columbia, I hold a Canadian ETF version of Taylor’s Three Fund Portfolio: VCN-T Vanguard FTSE Canada All Cap Equity ETF VXC-T Vanguard FTSE Global All Cap ex Canada Index Equity ETF VAB...
by BC_Doc
Sun Oct 22, 2017 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Canadian with $250 k (CAD) to invest. Need help with Asset Allocation.
Replies: 12
Views: 1269

Re: Canadian with $250 k (CAD) to invest. Need help with Asset Allocation.

I am curious what Bogle would recommend for someone living outside of the US and not a citizen, given his overall tepid feelings towards international investing. Jack Bogle did a live interview with the Globe and Mail several years ago. He was kind enough to answer my question about AA for an inves...
by BC_Doc
Sat Oct 21, 2017 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Canadian with $250 k (CAD) to invest. Need help with Asset Allocation.
Replies: 12
Views: 1269

Re: Canadian with $250 k (CAD) to invest. Need help with Asset Allocation.

I am curious what Bogle would recommend for someone living outside of the US and not a citizen, given his overall tepid feelings towards international investing. Jack Bogle did a live interview with the Globe and Mail several years ago. He was kind enough to answer my question about AA for an inves...
by BC_Doc
Thu Oct 12, 2017 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Best Career Advice for those over "50"
Replies: 60
Views: 7464

Re: Best Career Advice for those over "50"

All I can think while reading these kinds of threads is it’s too bad people are considered all washed up at such a young age. What a waste of talent and energy. I agree. I’m an ER doc. At least 1/3 of our group is 50+. I am 50. I feel like I’m in my prime. Fast, efficient, and experienced. While I’...
by BC_Doc
Mon Sep 25, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 95
Views: 6705

Re: Do you subscribe to digital newspapers?

I subscribe to the NYT online for $4.00 per month for an academic subscription (faculty rate). How come I am paying $10 a month for the faculty rate?? I’m not sure. I’m in Canada and it’s for the digital version. The price was right for me— made it even harder for me to justify paying six times the...
by BC_Doc
Mon Sep 25, 2017 12:24 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 95
Views: 6705

Re: Do you subscribe to digital newspapers?

I subscribe to the NYT online for $4.00 per month for an academic subscription (faculty rate). I recently let a digital subscription to the Globe and Mail lapse after subscribing for almost 10 years. The monthly rate was hiked from $13/month to $24/month a year or two ago. I kept the subscription be...
by BC_Doc
Sun Sep 24, 2017 11:02 pm
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 48
Views: 4916

Re: IOS 11: Anybody using it yet?

I think the most important feature is the “Do Not Disturb— Driving” function. Texts don’t come through while I’m driving, nor do telephone calls unless the phone is paired to the vehicle stereo via Blue Tooth for hands-free phone calls. I am a big, big fan of this safety feature—I am verry happy to...
by BC_Doc
Sun Sep 24, 2017 10:49 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 55
Views: 4935

Re: Thoughts on Barefoot/Minimalist Running

the debate between minimalist and maximum is never ending but you will notice that the movement of the majority of the running shoe industry is going toward maximum cushion. The reason being is because a lot of people got hurt running in vibrams and other minimalist shoes, and maximal shoes offers ...
by BC_Doc
Sun Sep 24, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 55
Views: 4935

Re: Thoughts on Barefoot/Minimalist Running

I believe changing heel lift a large amount abruptly,especially for a high mileage runner can cause pain or injury,lowering the heel lift might cause sore calf or even Achilles tendinitis,while I think raising it may cause bursitis in the rear ankle nevertheless I think a lot of us would have been ...
by BC_Doc
Sun Sep 24, 2017 1:51 am
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 48
Views: 4916

Re: IOS 11: Anybody using it yet?

I think the most important feature is the “Do Not Disturb— Driving” function. Texts don’t come through while I’m driving, nor do telephone calls unless the phone is paired to the vehicle stereo via Blue Tooth for hands-free phone calls. I am a big, big fan of this safety feature—I am verry happy to ...
by BC_Doc
Sat Sep 23, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 55
Views: 4935

Re: Thoughts on Barefoot/Minimalist Running

Blast from the past, this trend went away as quickly as it came in! No way, barefoot/minimalist runners are just in front of the curve!!! :D Of course there are still the true minimalist runners doing it, but it has essentially dropped off the radar. I remember that was all anyone would see or hear...
by BC_Doc
Sat Sep 23, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 55
Views: 4935

Re: Thoughts on Barefoot/Minimalist Running

runner3081 wrote:
Sat Sep 23, 2017 4:12 pm
Blast from the past, this trend went away as quickly as it came in!
No way, barefoot/minimalist runners are just in front of the curve!!! :D
by BC_Doc
Sat Sep 23, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 55
Views: 4935

Re: Thoughts on Barefoot/Minimalist Running

I’m a minimalist trail runner. I tend to mix things up with my footwear. My absolute favourite trail “shoes” are the Xero Shoe DIY Sandal which cost me about $30: https://xeroshoes.com/shop/outsoles/diy-feeltrue/ I also run in a pair of five fingers (they are falling apart). I really like them too b...
by BC_Doc
Thu Jul 13, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Hotel tipping: how much to leave?
Replies: 72
Views: 5072

Re: Hotel tipping: how much to leave?

$3-5/night as long as the room is up to snuff.
I echo what many others have said here-- the work is hard, pays poorly, and many of the workers are limited by language and life circumstances. I consider it good for karma to leave some cash behind for the cleaner.
by BC_Doc
Sun May 21, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Question for you high net worth individuals... [real estate investments]
Replies: 82
Views: 13040

Re: Question for you high net worth individuals...

Our only RE is our shelter (house) which makes up about 15% of our net worth.

RE here (British Columbia) is in nosebleed territory so no plans to add RE unless prices crashed like Phoenix/Los Vegas circa 2006 and screamed buying opportunity.
by BC_Doc
Mon May 08, 2017 2:01 am
Forum: Personal Consumer Issues
Topic: Seattle and Vancouver with kids
Replies: 19
Views: 1640

Re: Seattle and Vancouver with kids

For Vancouver, I'd say yes to staying downtown-- not too far from Stanley Park. Walk the Stanley Park sea wall-- you can easily rent bikes too. There's a great playground and outdoor pool at Second Beach. Take your kids to the aquarium (also in Stanley Park). My kids liked the science museum when th...
by BC_Doc
Mon Feb 27, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: Backpackers- weight vs utility question
Replies: 42
Views: 3545

Re: Backpackers- weight vs utility question

For pack and shelter, have a look at Zpacks.com

My backpack is the 21 oz Arc Blast-- I am very happy with it.

I am a hammock camper but I'm looking at purchasing their ultralight Triplex tent for an upcoming backpacking trip in the southwest (no trees to hang from!).
by BC_Doc
Mon Feb 27, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Backpackers- weight vs utility question
Replies: 42
Views: 3545

Re: Backpackers- weight vs utility question

Take a look at Xero shoes https://xeroshoes.com/ . I have a pair of the do-it-yourself sandals and a pair of the closed-toe mens' shoes for winter weather. Would you mind sharing your review of these? I hike in Chacos sometimes and Keen sandals sometimes. The Xero closed toe shoes look nice. How ar...
by BC_Doc
Thu Feb 16, 2017 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Absolute newbie, 29/f dual-citizen of Netherlands and the US
Replies: 3
Views: 632

Re: Absolute newbie, 29/f dual-citizen of Netherlands and the US

Welcome to Bogleheads @gale1988, I'm originally from Boston but moved to Canada back in the early 1990s to attend graduate school (medicine). As I live in Canada, I don't have any specific advice to give you regarding investing in the Netherlands. One of the big issues now, that I imagine you're awa...
by BC_Doc
Tue Feb 14, 2017 1:59 am
Forum: Investing - Help with Personal Investments
Topic: Who would quit playing if they already won?
Replies: 106
Views: 13688

Re: Who would quit playing if they already won?

I was aggressively invested until a few months ago-- about 85% equity since 2008/9-- and did quite well with this asset allocation. A few days after turning age 50 this November, I realized that I was pretty darn close to winning the game-- within spitting distance of the magic number I was saving f...
by BC_Doc
Sat Jan 07, 2017 4:06 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 127
Views: 12553

Re: Anybody else Age - 10 in bonds, rest in stocks

85/15 until two months ago.
Turned 50 and realized I'd won the game.
Age in FI now and moving forward.
Thank you to Jack Bogle, William Bernstein, Taylor Larimore. Your writings and collective wisdom helped me reach my number and then adjust my risk accordingly.
by BC_Doc
Wed Jan 04, 2017 2:14 am
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 34827

Re: Whats your number to walk away?

I'm age 50 and an ER doctor living in Canada. I've pretty much hit my magic number although CPP (Canadian version of Social Security) won't pay out until I'm in my 60s. I have two kids in college, one in high school, and one in grade school. University costs way less here in Canada so helping four k...
by BC_Doc
Mon Jul 04, 2016 12:53 am
Forum: Local Chapters and Bogleheads Community
Topic: The Declaration of Independence
Replies: 44
Views: 4729

Re: The Declaration of Independence

Happy Independence Day, Taylor. And a happy belated Canada Day too!

All the best,

BC Doc
by BC_Doc
Mon Jan 25, 2016 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: I hate ETFs!!! [Lessons learned from market not going as expected]
Replies: 68
Views: 9651

Re: I hate ETFs!!! [Lessons learned from market not going as expected]

I live in Canada. We don't have Vanguard mutual funds here. Vanguard ETFs are what's available, either through Vanguard (traded over the NYSE) or Vanguard Canada (Canadian domiciled-- traded over the TSX). If the mutual funds were available, I would likely use them for sake of simplicity-- while I a...
by BC_Doc
Mon Dec 28, 2015 2:52 am
Forum: Investing - Theory, News & General
Topic: Canadian earning in USD. Invest in Vanguard US or Canada?
Replies: 14
Views: 1824

Re: Canadian earning in USD. Invest in Vanguard US or Canada?

Hi, I understand that this question is related to Canada and can also belong on the FinancialWisdom forum but please hear me out :) I live in Canada but get paid in USD. I currently keep most of my money in USD; I only convert on-demand to CAD for living expenses. I would like to start investing. P...
by BC_Doc
Sun Dec 27, 2015 3:14 pm
Forum: Investing - Theory, News & General
Topic: A little about Larry S
Replies: 51
Views: 9099

Re: A little about Larry S

I love the photo and the baseball analogy Larry uses! Nice to see an article by Andrew Hallam posted here too. Andrew is an ex-pat Canadian who works overseas as a teacher-- I put him into my pantheon of great Canadian financial writers. Happy holidays to my fellow Bogleheads! All the best, BC Doc
by BC_Doc
Sun Dec 27, 2015 2:17 pm
Forum: Investing - Theory, News & General
Topic: Canadian earning in USD. Invest in Vanguard US or Canada?
Replies: 14
Views: 1824

Re: Canadian earning in USD. Invest in Vanguard US or Canada?

"If I do go down this route, would I be able to purchase ETFs directly from Vanguard (whether US or Canada) as an institutional investor or small business?" @HyperWizard I am an incorporated physician practicing in western Canada. The corp is one of my main retirement investment vehicles. The corp h...
by BC_Doc
Sun Dec 27, 2015 3:06 am
Forum: Investing - Theory, News & General
Topic: Canadian earning in USD. Invest in Vanguard US or Canada?
Replies: 14
Views: 1824

Re: Canadian earning in USD. Invest in Vanguard US or Canada?

Welcome to the forum. I use RBC- Direct Investments for my online investment account. RBC-DI allows you to hold both Cnd dollars and USD. In my RRSP acct, I own VT-N. Previously I have held both VTI-N and VEU-N. In your RRSP, the US domiciled ETFs are the most tax efficient versions of these Vanguar...
by BC_Doc
Wed Nov 04, 2015 12:47 am
Forum: Investing - Help with Personal Investments
Topic: Robo-advisor user moving to Canada
Replies: 24
Views: 2777

Re: Robo-advisor user moving to Canada

One issue. Do you compromise your US immigration status by living in Canada for 1-2 years? Because if you do, it's not worth it. Really. I have friends who faced this problem with the US, and made sure they stayed. Your Canadian tax affairs could become an impressive nightmare, but that would not m...
by BC_Doc
Wed Nov 04, 2015 12:31 am
Forum: Investing - Help with Personal Investments
Topic: Robo-advisor user moving to Canada
Replies: 24
Views: 2777

Re: Robo-advisor user moving to Canada

Surgeonm, I am a long term US expat who came to Canada to study medicine. I liked it so much here, I stayed for my residency and then accepted a long term position as an emergency physician on the west coast. Life is good here professionally and personally. Pay is very good in the province I work in...
by BC_Doc
Sat Oct 03, 2015 1:27 am
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a US citizen?
Replies: 102
Views: 9785

Re: Should my husband become a US citizen?

@sawhorse: The short answer: If you and your husband plan to live out the rest of your days in the US, your husband becoming a USC is a good thing. If you and he plan to live outside the US, however, then USC becomes a burden and should be avoided-- this is a result of the United States unique polic...
by BC_Doc
Wed Sep 30, 2015 2:38 am
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a US citizen?
Replies: 102
Views: 9785

Re: Should my husband become a US citizen?

If you are held hostage as an American citizen, the Navy Seals will come to your rescue. Victoria But are you more likely to be taken as a hostage if you hold a US passport? :) Bogleheads Mythbusters at work. Here's the reality, Victoria-- Don't count on the Seals coming to get you. Before you get ...
by BC_Doc
Wed Sep 30, 2015 2:24 am
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a US citizen?
Replies: 102
Views: 9785

Re: Should my husband become a US citizen?

@sawhorse: For some ex-pat perspective, consider heading over to http://isaacbrocksociety.ca and posting your question. Read away and you'll get a sense of the hassles, headaches, and heartache Citizenship Based Taxation combined with FATCA and FBARs cause for U.S. expats. If you and your husband pl...
by BC_Doc
Sun Mar 01, 2015 3:56 am
Forum: Personal Consumer Issues
Topic: How do I learn to like sushi?
Replies: 80
Views: 16252

Re: How do I learn to like sushi?

I'm a vegetarian. A good sushi restaurant should have some good vegetarian options.

Tell your co-workers you have a severe seafood allergy and stick with the veggie options if you're so inclined.
by BC_Doc
Sun Mar 01, 2015 1:04 am
Forum: Personal Consumer Issues
Topic: Cross Country Ski Gear Tips/Destinations
Replies: 31
Views: 2432

Re: Cross Country Ski Gear Tips/Destinations

For destinations, have a look at Sovereign Lake Nordic Centre in the interior of British Columbia. http://www.sovereignlake.com/ Altitude is at 5,500 feet with super dependable conditions. The season starts early and finishes late. Sovereign Lake is a big training destination for the various nationa...
by BC_Doc
Mon Jan 19, 2015 6:33 pm
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 18633

Re: What's Your International % and Why?

I'm 96.5% international on the equity side of my investments. Why? I live in Canada. Canada makes up about 3.5% of global cap weighting for publicly traded companies. The TSX also isn't very diversified by sector. On the international side, I hold approximately 50% US, 50% rest of the world (again, ...
by BC_Doc
Sun Jan 18, 2015 4:07 am
Forum: Investing - Help with Personal Investments
Topic: What is a good rule of thumb on savings vs salary?
Replies: 20
Views: 4145

Re: What is a good rule of thumb on savings vs salary?

I'm a Canadian MD so I pull in a decent salary. I save according to the rule of thirds: 1/3 for me now. 1/3 set aside for the taxman 1/3 saved for later (ie, invested for retirement) In Canada, you can set aside 18%of your gross income into a tax deferred into retirement savings acct (RRSP). I think...
by BC_Doc
Mon Jan 05, 2015 4:49 am
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 19140

Re: [Annual POLL] What was your 2014 return?

11.0% AA is 80-20. Equity portion is Vanguard Total World Stock Index (VT) and it's Canadian equivalent, VXC-T. New money is all going into fixed income. My magic number is getting close. As I get closer, my AA will shift to 60-40.
by BC_Doc
Tue Dec 02, 2014 6:11 pm
Forum: Personal Consumer Issues
Topic: Cell phone usage while visiting Canada
Replies: 10
Views: 2336

Re: Cell phone usage while visiting Canada

T-mobile has no foreign roaming fees for calls or data. Unless you are married to sprint for another reason, I would consider switching to T-Mobile for the 6 months and beyond. I only travel internationally a few times a year, but there is something extremely comforting about stepping off a plane a...