Search found 145 matches

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: 7222

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: 1052

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: 7327

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: 1052

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. ...
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: 1052

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: 18
Views: 1353

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: 18
Views: 1353

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: 7646

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: 7646

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: 7646

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: 7815

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: 1682

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: 15202

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: 3656

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: 16467

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: 2050

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...
by BC_Doc
Fri Nov 28, 2014 2:39 am
Forum: Personal Consumer Issues
Topic: Cell phone usage while visiting Canada
Replies: 10
Views: 2050

Re: Cell phone usage while visiting Canada

If you only need the phone for six months, I would suggest having a look at Koodo. Koodo is owned by Telus and operates on their network. Telus has a good network. Both Koodo and Telus rate high for consumer satisfaction. If you have an unlocked phone, you can simply buy a SIM card and you'll be goo...
by BC_Doc
Mon Nov 24, 2014 3:02 am
Forum: Investing - Theory, News & General
Topic: Why Bother With Bonds free Kindle download/Nov.21 - Nov.25
Replies: 26
Views: 4137

Re: Why Bother With Bonds free Kindle download/Nov.21 - Nov.

Downloaded-- thank you! And thank you LadyGeek for the Amazon.ca link. Look forward to reading the book.
by BC_Doc
Thu Nov 13, 2014 5:03 am
Forum: Personal Consumer Issues
Topic: Vacation in Quebec City
Replies: 18
Views: 1515

Re: Vacation in Quebec City

Hi, I lived in Montreal for eight years but have been on the west coast of Canada for the past 15. I spent quite a few weekends in Quebec City when I was still living on the east coast. My take-- Quebec City is very pretty and definitely worth a visit but I think three days/two nights would be plent...
by BC_Doc
Thu Nov 13, 2014 4:38 am
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 314
Views: 58702

Re: If your networth is over $3 million, how did you do it?

Age late 40s-- about 1/2m away. How'd I get so close? 1) Career: decent earnings as a Canadian MD. 2) Savings: I try to budget roughly 1/3 toward savings (1/3 to spend now, 1/3 for taxes). 3) Housing luck-- I bought right before the big run up in RE prices where I live. On paper (net worth), I benef...
by BC_Doc
Sun Oct 19, 2014 6:40 pm
Forum: Personal Consumer Issues
Topic: Vegas Vacation!
Replies: 50
Views: 5698

Re: Vegas Vacation!

Travelled to LV once for a medical conference. Found the city smelled like old urine and cigarettes. As an ER doc, I get enough of that at work. Not my kind of town.
by BC_Doc
Mon Sep 29, 2014 4:19 am
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 5850

Re: Obese airline passenger

I used to fly a lot for business back in the 1980s when flying was wonderful. There was lots of space, half the seats were empty so I often got a row to myself, and passengers were generally treated with respect and dignity. Flight attendants were happy and cheerful. Now there are 9 seats where the...
by BC_Doc
Tue Sep 09, 2014 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Closing My Account With No Reason Given
Replies: 38
Views: 4761

Re: Bank Closing My Account With No Reason Given

...if so, what course of action would you say I should take?... This is what I do and it works for me: 1) Accept the reality of power inequality. Accept that Anatole France was right and that the bank is richer than you. 2) Hate Citizens Bank forever, and do not do business with them ever again unt...
by BC_Doc
Wed Sep 03, 2014 2:29 am
Forum: Personal Consumer Issues
Topic: What to do with Canadian cell phone in the U.S.?
Replies: 15
Views: 1026

Re: What to do with Canadian cell phone in the U.S.?

Hi nisiprius, As the poster just above me posted, put your US SIM card in. If the phone works, it's unlocked (unlikely). If the phone is locked, PC-Mobile has to unlock it for you (though likely for a fee) as per the CRTC's wireless code. Give PC-Mobile customer service a call and they should be abl...
by BC_Doc
Wed Aug 27, 2014 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: What about non-U.S. colleges?
Replies: 48
Views: 4866

Re: What about non-U.S. colleges?

I would strongly encourage you to look at Canadian universities. I graduated with my MD from McGill. McGill, I recall, takes about 10% of its students from outside Canada. Montreal and McGill are a fabulous educational experience. Other Canadian schools I would look at are University of Toronto, Que...
by BC_Doc
Sun Aug 24, 2014 7:02 pm
Forum: Investing - Theory, News & General
Topic: 100% stock AA-> At what age to add bonds?
Replies: 58
Views: 4476

Re: 100% stock AA-> At what age to add bonds?

My 16 yo son is a hardworking guy. He saved up $5k and asked me to help him invest it. We went 60-40 on the split. $1000 in a Canadian stock ETF. $2000 in an all world except Canada ETF. $1500 in a Canada Aggregate Bond ETF. $500 in a savings account that pays 1.25% (where he can "catch" h...
by BC_Doc
Tue Aug 19, 2014 2:04 am
Forum: Personal Consumer Issues
Topic: Where to live? She works in Boston, he works in Worcester
Replies: 27
Views: 2718

Re: Where to live? She works in Boston, he works in Worceste

Check out Auburndale. Quieter, leafy green neighbourhood at the junction of Route 128 and the Mass Pike. Easy access onto the Pike-- 30 miles to "Woosta." Commuter rail stop, Green Line (The T), maybe even a commuter bus (T again) to get into Boston. As someone who grew up in a Boston, I'd...
by BC_Doc
Wed Jul 30, 2014 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: retirement savings for my young kids?
Replies: 29
Views: 2787

Re: retirement savings for my young kids?

@Leerar: No, I'm just helping him invest his own money. We have a family RESP set up (registered education savings plan) plus a family trust which we can use to fund university costs when our kids reach college age. Our kids are working to fund their own way as much as reasonably possible. Higher ed...
by BC_Doc
Wed Jul 30, 2014 4:20 am
Forum: Investing - Help with Personal Investments
Topic: retirement savings for my young kids?
Replies: 29
Views: 2787

Re: retirement savings for my young kids?

My 16 year old son has been saving diligently and through part-time employment managed to save $5k in cash. He knows his old man is a saver and has done OK with his investments (thank you Jack Bogle and fellow Bogleheads). He's been bugging me for a while to help him invest it, so I set up an "...
by BC_Doc
Sun Jul 27, 2014 12:27 am
Forum: Personal Consumer Issues
Topic: Anyone get running shoes from DSW???
Replies: 15
Views: 2052

Re: Anyone get running shoes from DSW???

I totally agree. Barefoot isn't going to work for pretty much everyone, even minimalist shoes can be tough. But, if you are heel striking on 2" of cushioning and you are still injured...more shoe isn't going to help either. Have to strike the balance between shoes and an efficient stride. Back...
by BC_Doc
Sat Jul 26, 2014 3:34 pm
Forum: Personal Consumer Issues
Topic: Anyone get running shoes from DSW???
Replies: 15
Views: 2052

Re: Anyone get running shoes from DSW???

In my opinion, the less shoe the better. Best for injury prevention would be running barefoot. I generally trail run in a rocky area so my current minimalist foot-wear includes (I mix it up from run to run), Xero brand running sandals (about $25), Vibram Five Fingers, and Merrell Trail Vapours. Runn...
by BC_Doc
Sat Jul 19, 2014 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Vanguard ETFs for non-US investors
Replies: 6
Views: 852

Re: Question about Vanguard ETFs for non-US investors

Welcome to Bogleheads! Here in Canada, the answer to your question is yes. I use a discount brokerage account-- RBC Direct Investments. For tax reasons, I hold VT-N in my Registered Retirement Savings Plan. All other US traded Vanguard ETFs are available, so VT-N could be combined with BND-N for a t...
by BC_Doc
Wed Jul 09, 2014 7:43 am
Forum: Investing - Theory, News & General
Topic: US citizens abroad cannot invest through [Fidelity]
Replies: 97
Views: 12016

Re: US citizens abroad cannot invest through [Fidelity]

Except for expatriate Fidelity customers, this doesn't seem to surprising. As others have mentioned, restrictions on the purchase of mutual fund shares by US citizens abroad has been around for a long time. The surprise is more that Fidelity allowed it before... I wish I'd known! Restrictions have ...
by BC_Doc
Sun Jan 12, 2014 2:50 am
Forum: Personal Consumer Issues
Topic: The Winter Blahs
Replies: 48
Views: 3727

Re: The Winter Blahs

Went for a trail run last evening-- fresh snow on the trails. Magical. Took in a hockey game tonight. Life is good...
by BC_Doc
Sun Jan 12, 2014 2:19 am
Forum: Investing - Help with Personal Investments
Topic: thinking about removing the slice and dice from my AA
Replies: 19
Views: 1326

Re: thinking about removing the slice and dice from my AA

I started with slice and dice in 2008. I simplified to VTI and VEU somewhere around 2011-- after reading Jack Bogle's "Common Sense on Mutual Funds", I wasn't sold on the idea of the small cap/value premium. Bogle's advice to buy the haystack stuck with me. Also, I found dealing with more ...
by BC_Doc
Wed Jan 08, 2014 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Do you oversave for retirement or not?
Replies: 70
Views: 6630

Re: Do you oversave for retirement or not?

I've watched my surviving parent overspend in retirement-- running out of money is now a real concern for her. I have several baby boomer relatives who are in their late 50s with basically no retirement savings to speak of. From my perspective, their future appears grim. I am probably over saving. T...
by BC_Doc
Fri Dec 13, 2013 1:00 am
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 15461

Re: What percentage of your income are you saving?

Previously about 20%, but now climbing as we recently paid off the mortgage. I don't track the exact dollar amount or percentage of what I save-- I do know, though, that I am more like the ant than the grasshopper. Winter could always be around the next corner and I want to always be ready, therefor...
by BC_Doc
Fri Dec 13, 2013 12:36 am
Forum: Personal Consumer Issues
Topic: Where do Bogleheads call home?
Replies: 17
Views: 3238

Re: Where do Bogleheads call home?

Hi Rick, I'm another Canuck-- I grew up in the US and emigrated to Canada 20+ years ago. I use Vanguards US ETFs for my equity investing (VTI and VEU held in global cap weightings). I use a technique called "Norbert's Gambit" (thank you to fellow Boglehead Norbert Schlenker) to convert my ...
by BC_Doc
Tue Dec 03, 2013 5:34 am
Forum: Personal Consumer Issues
Topic: Tactical Flashlight for long walks at night vs. pepper spray
Replies: 85
Views: 6220

Re: Tactical Flashlight for long walks at night vs. pepper s

I like a head lamp (on my wrist) for rattlesnake watching and mace on my spouse for the never yet seen mountain lion. Why not both? Rattlesnakes aren't generally out cruising around at night. Mountain lions are, so scare them away with your headlamp... Rattlesnakes love the trails after dark-- the ...
by BC_Doc
Tue Dec 03, 2013 5:10 am
Forum: Personal Consumer Issues
Topic: Tactical Flashlight for long walks at night vs. pepper spray
Replies: 85
Views: 6220

Re: Tactical Flashlight for long walks at night vs. pepper s

I would recommend carrying a Class IIIa green laser pointer. They are the size of a fountain pen. These are used by astronomy buffs to point to stars. There are very powerful and will temporarily blind an assailant and painfully so. Would it work against bears and cougars? In daylight too? I find p...
by BC_Doc
Thu Oct 17, 2013 12:55 am
Forum: Personal Consumer Issues
Topic: Example of What Charities Net
Replies: 25
Views: 1872

Re: Example of What Charities Net

Here's a helpful article for Canadian Bogleheads: http://www.moneysense.ca/spend/canadas-top-rated-charities-of-2013 I've used the rankings/info from the annual Money Sense reviews these past few years to help me whittle down who I will donate to. If the overhead is under 15%, I will donate provided...
by BC_Doc
Sat Sep 07, 2013 1:04 pm
Forum: Investing - Theory, News & General
Topic: 10 Ways To Wipe Out Your Retirement Savings
Replies: 23
Views: 6487

Re: 10 Ways To Wipe Out Your Retirement Savings

Great article you posted-- thanks! This is one I will forward to certain family/friends.
by BC_Doc
Sat Sep 07, 2013 2:38 am
Forum: Personal Consumer Issues
Topic: Boston this weekend
Replies: 25
Views: 2123

Re: Boston this weekend

Yes, beachplum, and there was wailing and gnashing of teeth in my house. But it was a classic yanks-sox game which I thoroughly enjoyed and perhaps tonite's outcome shall differ... Or not... The Red Sox offence has been on fire. 41 runs scored in the past three games. Unbelievable. After watching t...
by BC_Doc
Fri Sep 06, 2013 5:39 pm
Forum: Personal Consumer Issues
Topic: Boston this weekend
Replies: 25
Views: 2123

Re: Boston this weekend

+1 to Durgin Park-- great local food (fish, baked beans, corn bread, chowdah). It's on one side of Quincy Market which you're bound to go past. +1 to Bunker Hill. +1 to the North End. On a weekday, you might try Mangia-Mangia on Endicott Street for lunch (they close mid-afternoon). Mangia-Mangia is ...
by BC_Doc
Sat Jul 06, 2013 2:20 am
Forum: Personal Consumer Issues
Topic: Big Island Hawaii
Replies: 45
Views: 4385

Re: Big Island Hawaii

Waipio Valley is really beautiful. My 12 y.o. daughter and I parked at the top and strolled down. If you're reasonably fit, the hike is no big deal. The walk at the bottom is really peaceful and quiet. My daughter and I also hiked down to Captain Cook to snorkel. The hike was super cool. You start h...
by BC_Doc
Thu Jun 13, 2013 2:34 pm
Forum: Personal Consumer Issues
Topic: Repair or replace dishwasher?
Replies: 13
Views: 1134

Re: Repair or replace dishwasher?

I have had issues with my DW at time and found http://www.partselect.com/ helpful. I wound up replacing the whole pump/internal mechanism for around $120. It seemed easier than replacing each part and possibly missing the problem. They do have a good diagnostic on the site. I had issues with the ch...
by BC_Doc
Wed May 22, 2013 1:05 am
Forum: Investing - Help with Personal Investments
Topic: What were the little things that led you to index investing?
Replies: 60
Views: 4155

Re: What were the little things that led you to index invest

A colleague lent me "Intelligent Asset Allocation"-- I read it and I was hooked. I came across Bogle's "Little Book on Common Sense Investing" and away we went. Oh, and the financial advisors working for our professional association (MD Management) weren't very bright and were tu...
by BC_Doc
Wed May 15, 2013 2:34 am
Forum: Personal Consumer Issues
Topic: I got to thank a WWII Veteran today.
Replies: 30
Views: 2152

Re: I got to thank a WWII Veteran today.

This Marine is definitely proud to salute my good friend and co-author, Taylor Larimore, who served as a paratrooper in WWII at the Battle of the Bulge. Hat's off to you, my friend! My mother-in-law and her mom were liberated from Santo Tomas internment camp in Manila by US Army GIs. The GIs were l...
by BC_Doc
Thu Apr 18, 2013 1:25 am
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 13253

Re: harvard med school vs. penn med+full tuition scholarship

I graduated with an MD from McGill in the 1990s. Tuition was a very reasonable $2000 per year. Graduating with very modest med school debt allowed me-- not my debt load-- to decide what specialty I wanted to pursue, and choose a place post residency where I really wanted to live and practice. Person...
by BC_Doc
Mon Apr 08, 2013 6:16 pm
Forum: Personal Consumer Issues
Topic: Cheapest iPhone voice only plan
Replies: 77
Views: 6447

Re: Cheapest iPhone voice only plan

Here are a couple of useful sites for anyone looking to use an unlocked iPhone on a different carrier. The first site is an app which will set up the phone's settings for the new network. This is useful for those who are travelling or if you're looking to go prepaid with your iphone-- e.g. AT&T ...

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