Search found 750 matches

by Bylo Selhi
Sun Sep 25, 2016 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: How much is free lifetime healthcare worth? [Start business in US or Canada?]
Replies: 22
Views: 1863

Re: How much is free lifetime healthcare worth? [Start business in US or Canada?]

I have no idea what wait times are in the US or whether it depends on the type of medical insurance one has so I can't make a comparison. It's been my and my family's experience here in Ontario that wait times depend greatly on the situation, i.e. there's no wait for emergent care while wait times f...
by Bylo Selhi
Sun Sep 25, 2016 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: How much is free lifetime healthcare worth? [Start business in US or Canada?]
Replies: 22
Views: 1863

Re: How much is free lifetime healthcare worth? [Start business in US or Canada?]

There are so many more important and more expensive things to consider. +1 Also consider that in Canada, as in the US, the rate of sales tax, effective rate of income tax, availability of health care, wait times, etc., etc., etc. all vary by province. In some cases the variance is substantial. If t...
by Bylo Selhi
Wed Sep 21, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Losing cell phone memory; not sure why or how to stop it!
Replies: 10
Views: 729

Re: Losing cell phone memory; not sure why or how to stop it!

You're looking for a solution, but what is the problem? Apps cache what they need to speed things up. If memory fills up and they cannot cache, the system will manage things by kicking out unused cache parts. There's going to be no real problem. If you use it for "just the basics," you sh...
by Bylo Selhi
Fri Sep 16, 2016 1:27 pm
Forum: Personal Consumer Issues
Topic: How to fix doors that don't close after new carpet installation
Replies: 36
Views: 2457

Re: How to fix doors that don't close after new carpet installation

Let me ask the opposite question: What to do after replacing carpet with hardwood flooring that leaves a gap of an inch or two between the floor and the door? I suppose I could add a strip of wood to the bottom of the door. But that would require some refinishing, painting, etc. which seems labor-in...
by Bylo Selhi
Wed Aug 17, 2016 10:12 am
Forum: Personal Finance (Not Investing)
Topic: How to Prepare for Old Age When You Don’t Have Kids
Replies: 21
Views: 3610

Re: How to Prepare for Old Age When You Don’t Have Kids

The mishmash of high cost and un-researched DIY recommendations make me question whether there exists anyone for whom this article is good advice on all counts. It's difficult to cover all situations in a short piece like this one. For me the main benefit of the article is that it provides a nice s...
by Bylo Selhi
Wed Aug 17, 2016 8:04 am
Forum: Personal Finance (Not Investing)
Topic: How to Prepare for Old Age When You Don’t Have Kids
Replies: 21
Views: 3610

How to Prepare for Old Age When You Don’t Have Kids

How to Prepare for Old Age When You Don’t Have Kids Generally speaking, if you have kids, you have someone to watch over you beyond your golden years. Not everyone has children, though, and if you don’t, it’s up to you to prepare for your own senior care. And it’s important to plan now. It’s not li...
by Bylo Selhi
Mon Aug 15, 2016 4:02 pm
Forum: Personal Consumer Issues
Topic: Request for recommendations: English Mystery TV series
Replies: 74
Views: 4255

Re: Request for recommendations: English Mystery TV series

dcare wrote:In addition to most of the above mentioned, one of my favorites is Rake - the Australian version of a racy Rumpole

- or House with a law degree.
by Bylo Selhi
Fri Aug 12, 2016 1:01 pm
Forum: Personal Consumer Issues
Topic: Request for recommendations: English Mystery TV series
Replies: 74
Views: 4255

Re: Request for recommendations: English Mystery TV series

In no particular order... Wallander is set in Sweden but produced in English by the Beeb. Stars Sir Kenneth Branagh which alone makes it worth watching. More from down-under, where it's claimed they also speak English: The Doctor Blake Mysteries . Also from down-under but this time NZ: Harry starrin...
by Bylo Selhi
Thu Aug 11, 2016 11:06 am
Forum: Personal Consumer Issues
Topic: Looking For A New Treadmill
Replies: 6
Views: 655

Re: Looking For A New Treadmill

Have you considered a used treadmill? Fitness equipment is something that many people buy with good intentions, use for only a short period, then give up when "life" gets in the way. As a result there are a lot of "like new" treadmills available on sites like craigslist. I've see...
by Bylo Selhi
Tue Aug 09, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: European Vacation Cost
Replies: 13
Views: 1427

Re: European Vacation Cost

a week in London and Paris, 21 day trip would add a week in Germany city If you've never been to these cities consider taking a half-day bus tour on the first day. Yeah, I know it's a cliché, but it's an excellent way to get oriented, discover where major attractions are located and plan your activ...
by Bylo Selhi
Mon Aug 08, 2016 4:19 pm
Forum: Personal Consumer Issues
Topic: European Vacation Cost
Replies: 13
Views: 1427

Re: European Vacation Cost

Don't like moving around, would like one hotel per city. Middle of the road lodging, economy airfare and "pub style" food seeing the popular sights. Those of you that travel frequently, interested in hearing your thoughts on this. If it was me, I'd stay in the 'burbs and ride the rails in...
by Bylo Selhi
Sun Aug 07, 2016 11:15 am
Forum: Personal Consumer Issues
Topic: Connections that save you money
Replies: 51
Views: 6929

Re: Connections that save you money

When buying stuff online, especially expensive items... 1. Use your browser's Incognito (Chrome) or Private (Firefox) mode so that you look like a new customer. Often you'll get a pop-up that offers a 10% or so discount. Sometimes you have to agree to get on their e-mail list. Use a free "throw...
by Bylo Selhi
Sun Aug 07, 2016 10:58 am
Forum: Personal Finance (Not Investing)
Topic: How to prevent backup credit card being cancelled?
Replies: 14
Views: 1310

Re: How to prevent backup credit card being cancelled?

Do you have any recurring monthly subscriptions/charges such as Netflix, internet, cable, etc? I put Netflix on a card I rarely use. Set autopay and forget about it. Another option if you use a calendaring system is to set an annual reminder to use the card. I have several such reminders in Google ...
by Bylo Selhi
Sat Aug 06, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Heart rate monitors
Replies: 22
Views: 1183

Re: Heart rate monitors

Xiaomi Mi Band 1S Heart Rate Wristband works for me. And it costs only $15 ;)

Image
by Bylo Selhi
Sat Aug 06, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: Data heavy sim card for Europe trip
Replies: 18
Views: 1058

Re: Data heavy sim card for Europe trip

I think it would depend how long you are in each country. I bought a prepaid multi-country sim. It was kind of expensive (but much cheaper than roaming), but I got the sim before I left and didn't have to do anything. If I am on vacation spending limited time in each country, I probably don't want ...
by Bylo Selhi
Sat Aug 06, 2016 12:38 pm
Forum: Personal Consumer Issues
Topic: Data heavy sim card for Europe trip
Replies: 18
Views: 1058

Re: Data heavy sim card for Europe trip

I'm looking for a sim card for a trip across Germany, Austria, Switzerland, and Belgium. I've been looking at prepaid Sim cards, but most seem to only have 500mb-1gb. I was thinking more like 3-4gb. Anyone know of any places that sell them? Most grocery stores and post offices sell SIM cards, as do...
by Bylo Selhi
Sat Aug 06, 2016 12:12 pm
Forum: Personal Consumer Issues
Topic: Heart rate monitors
Replies: 22
Views: 1183

Re: Heart rate monitors

I just got the mi band 2 for $30USD. Waiting for it to arrive. I'll let you know how it goes. The sensor is on the band and detects heart rate on your wrist. I've had the previous 1S model for about 8 months now. Battery life is incredible. I get over a month on one charge. Neither Mi Band 1S and 2...
by Bylo Selhi
Wed Aug 03, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: NYT cautionary tale on the cloud
Replies: 37
Views: 4025

Re: NYT cautionary tale on the cloud

VictoriaF wrote:3. I am getting analysis paralysis when I read Amazon reviews of Seagate and Western Digital. Perhaps, I should get one of each.

More analysis, hopefully without adding too much paralysis ;)

Hard Drive Failure Rates: The Results from 68,813 Hard Drives
by Bylo Selhi
Mon Aug 01, 2016 8:52 pm
Forum: Personal Consumer Issues
Topic: NYT cautionary tale on the cloud
Replies: 37
Views: 4025

Re: NYT cautionary tale on the cloud

1. I am inclined to use a large cloud provider, among those you mentioned plus Amazon, but I was wondering if there were any inherent benefits of any one of them. IMO the best benefit comes from storing encrypted copies of backups on two or more of them. Then you don't have to worry if one suffers ...
by Bylo Selhi
Mon Aug 01, 2016 8:47 pm
Forum: Personal Consumer Issues
Topic: Microsoft is still offering free Windows 10 upgrades
Replies: 42
Views: 2111

Re: Microsoft is still offering free Windows 10 upgrades

I have just watched a presentation and skimmed a white paper about Windows 10 by Aryeh Goretsky, http://www.welivesecurity.com/2016/06/15/windows-10-security-privacy-depth-review-analysis/ . Goretsky discloses that he is an MVP, Microsoft Most Valuable Professional, and thus some pro-Microsoft bias...
by Bylo Selhi
Mon Aug 01, 2016 1:56 pm
Forum: Personal Consumer Issues
Topic: Microsoft is still offering free Windows 10 upgrades
Replies: 42
Views: 2111

Re: Microsoft is still offering free Windows 10 upgrades

With so many negative reviews I am wondering if I am living in an parallel universe. :confused The negative feedback comes primarily from people who are trying to install Win10 on relatively old systems and/or who aren't checking that the PC manufacturer has Win10 drivers, BIOS and other support fo...
by Bylo Selhi
Mon Aug 01, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: Microsoft is still offering free Windows 10 upgrades
Replies: 42
Views: 2111

Re: Microsoft is still offering free Windows 10 upgrades

I still have to wonder about one thing. Microsoft has never, ever (to my knowledge) offered an upgrade from one major version of their operating system to another for free. They've always charged all the market could bear. So did Apple. Until they didn't. Maybe they both took Jobs' advice to "...
by Bylo Selhi
Sun Jul 31, 2016 4:27 pm
Forum: Personal Consumer Issues
Topic: NYT cautionary tale on the cloud
Replies: 37
Views: 4025

Re: NYT cautionary tale on the cloud

I agree with you re encryption but I suppose you think putting your photos on "secure" facebook is safer than putting them in a drawer. If the media is physically stolen, at least you know about it. And you can destroy it when you wish. If the cloud is compromised, we probably won't reali...
by Bylo Selhi
Sun Jul 31, 2016 11:54 am
Forum: Personal Consumer Issues
Topic: NYT cautionary tale on the cloud
Replies: 37
Views: 4025

Re: NYT cautionary tale on the cloud

A few thoughts on each points: Excellent post! :beer There are no perfect backup solutions any more than there are perfect investment plans. All we can do is minimize the risk of disaster. Effective data back up requires a significant amount of planning and forethought that needs to be tailored to ...
by Bylo Selhi
Sat Jul 30, 2016 7:34 pm
Forum: Personal Consumer Issues
Topic: NYT cautionary tale on the cloud
Replies: 37
Views: 4025

Re: NYT cautionary tale on the cloud

1. Which cloud storage do you recommend? Dropbox, GoogleDrive and Microsoft OneDrive are the largest and most likely to survive an industry consolidation. If you keep copies of the most critical stuff on at least two, in addition to local backups, you should be OK. That said, there are at least 22 ...
by Bylo Selhi
Sat Jul 30, 2016 2:11 pm
Forum: Personal Consumer Issues
Topic: NYT cautionary tale on the cloud
Replies: 37
Views: 4025

Re: NYT cautionary tale on the cloud

I agree that security is a major issue in the Cloud. Please elaborate, particularly if the data owner encrypts their data before copying it to cloud storage. Most cloud storage is already encrypted by the sponsor, e.g. Dropbox or GoogleDrive, with individual keys for each user that are, so it's cla...
by Bylo Selhi
Sat Jul 30, 2016 12:41 pm
Forum: Personal Consumer Issues
Topic: NYT cautionary tale on the cloud
Replies: 37
Views: 4025

Re: NYT cautionary tale on the cloud

I'm more worried about security. I don't care how much we are reassured, as long as the info is there, there is no 100% guarantee that the info will not be hacked or intentionally revealed. Which is the reason for the recommendation to encrypt the data before you copy it to the cloud. No form of da...
by Bylo Selhi
Sat Jul 30, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: NYT cautionary tale on the cloud
Replies: 37
Views: 4025

Re: NYT cautionary tale on the cloud

I think one takeaway is to make sure that the cloud copy is not your only copy - at least for anything important. Absolutely! But this isn't limited to cloud storage or blogs. Any computer files that are important to you should be backed up to multiple, secure and distant locations. Moreover you sh...
by Bylo Selhi
Sat Jul 30, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 3450

Re: Canada vacation

Do we have to carry passports everywhere or leave it in the hotel safe? You only need a passport when crossing the border. There is no general requirement in Canada for people to carry any ID on their person. However... 1. If you're driving a car you must provide the usual driver's license, vehicle...
by Bylo Selhi
Fri Jul 29, 2016 9:02 pm
Forum: Personal Consumer Issues
Topic: Best/most effective home BP monitor
Replies: 24
Views: 1048

Re: Best/most effective home BP monitor

can't help wondering about the one possible lemon moron BP measuring mach I ne. Wonder if it was new. They do have warranties. Plus, they may need to be checked or recalibratedo after several years, they said when I phoned Omron company for info. If you have concerns about the accuracy of a home BP...
by Bylo Selhi
Fri Jul 29, 2016 4:17 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 3450

Re: Canada vacation

We used 407 by accident several years ago. There was no toll booth so couldn't pay cash. But we didn't receive a bill from them. We were living in MA back then. You were lucky. Many states, especially those bordering Ontario, have reciprocal arrangements to exchange information for collecting traff...
by Bylo Selhi
Fri Jul 29, 2016 2:39 pm
Forum: Personal Consumer Issues
Topic: Best/most effective home BP monitor
Replies: 24
Views: 1048

Re: Best/most effective home BP monitor

here is the key comment: "I’m just not certain there is much utility for an asymptomatic patient, feeling normal, to take a routine blood pressure before going to the bathroom in the middle of the night." there are those of us who have conditions that can adversely effect our well being a...
by Bylo Selhi
Fri Jul 29, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 3450

Re: Canada vacation

Border wait time is 1 hour. It depends on where you cross, the direction you're going, the time of day, etc. Expect extra delays over holiday weekends. Entering Canada: Canada to U.S. border wait times Entering USA: CBP Border Wait Times There are also Android and iOS apps that can display this inf...
by Bylo Selhi
Fri Jul 29, 2016 7:15 am
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 3450

Re: Canada vacation

Mention was made of staying off Highway 407. While the tolls are ridiculous (even with a transducer) sometimes it is worthwhile. The toll to drive the entire 80 mile length is USD 30 but depending on the time of day and traffic conditions, the highway could save you 4 hours. Visitors generally don'...
by Bylo Selhi
Mon Jul 25, 2016 2:20 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 3450

Re: Canada vacation

What extra planning is required like Medical insurance, Auto insurance, Credit cards, Debit card, Currency, Border, Language etc. Some random comments... Auto: Speeds are in km/hr, i.e. 30mph ~ 50km/hr and 60mph ~ 100km/hr. Many cars these days with digital speedometers have a way of toggling betwe...
by Bylo Selhi
Mon Jul 25, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 689
Views: 114646

Re: Boglehead Beer

I love it when I see these macho he-men guzzling Lite beer, the drink for people who hate beer, straight from the bottle as if it shows they are hearty two-fisted drinkers. A suggestion if you want Lite beer: Ask the bartender for a glass of carbonated water and a bottle of real beer, then mix and ...
by Bylo Selhi
Mon Jul 18, 2016 11:02 am
Forum: Personal Consumer Issues
Topic: Mother was victim of online virus scam - How can she recover the money she paid?
Replies: 56
Views: 5324

Re: Mother was victim of online virus scam - How can she recover the money she paid?

Not quite. Credit card companies and banks are not allowed to knowingly process illegal transactions. Essentially, the scammer was extorting money from her. Of course, the bank most likely didn't know this at the time. She may not get her money back, but whatever account the proceeds are going into...
by Bylo Selhi
Sun Jul 17, 2016 9:01 am
Forum: Personal Consumer Issues
Topic: Hatchback to match Camry on price/comfort/reliability?
Replies: 42
Views: 3167

Re: Hatchback to match Camry on price/comfort/reliability?

Crosstrek is under-powered, couple of thousands more, Forester offers much more in terms of ride, space and power with minor drop in mpg. +1 If you don't ever need AWD, doesn't make sense considering a Subaru. The Subaru "boxer" engine lowers the car's center of gravity while the AWD spre...
by Bylo Selhi
Sun Jul 17, 2016 8:13 am
Forum: Personal Consumer Issues
Topic: Mother was victim of online virus scam - How can she recover the money she paid?
Replies: 56
Views: 5324

Re: Mother was victim of online virus scam - How can she recover the money she paid?

Humorously, a similar scam happened to my in-laws except we had setup ubuntu on their machine and the scammers didn't know what that was or how to get into the machine because of that. There seem to be two variants of this scam. 1. The pop-up that the OP's mother encountered that requires that you ...
by Bylo Selhi
Sat Jul 16, 2016 9:25 pm
Forum: Personal Consumer Issues
Topic: Hatchback to match Camry on price/comfort/reliability?
Replies: 42
Views: 3167

Re: Hatchback to match Camry on price/comfort/reliability?

I am looking to buy a new car for under $30K. The most important things to me are smooth and quiet ride, comfortable driver's seat, and reliability. A secondary factor is that I like hatchbacks/SUV/crossovers for their increased cargo space. If I buy a sedan, it will most likely be the Camry. Is th...
by Bylo Selhi
Sat Jul 16, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: Mother was victim of online virus scam - How can she recover the money she paid?
Replies: 56
Views: 5324

Re: Mother was victim of online virus scam - How can she recover the money she paid?

If it's an older computer, I personally wouldn't even bother reformatting it, reinstalling the operating system, etc. I would run DBAN on it, then recycle it. Great suggestion! New PCs are relatively inexpensive these days so it may not be worth the effort to reformat the hard disk on the infected ...
by Bylo Selhi
Sat May 28, 2016 1:17 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 689
Views: 114646

Re: Boglehead Beer

If you want something refreshing on a hot day, try Leinenkugel's Summer Shandy. It's a weiss beer with a lemonade flavor. Known generically as Radler (or Russ.) But why pay full beer prices to get diluted product when you can DIY using lemon-flavoured soda or lemonade (or any of the myriad shandy m...
by Bylo Selhi
Fri Mar 11, 2016 8:32 am
Forum: Investing - Help with Personal Investments
Topic: IF I am foreigner, Which is the best company to invest in USA?
Replies: 13
Views: 1432

Re: IF I am foreigner, Which is the best company to invest in USA?

inbox788 wrote:"If I am an American, which is the best company to invest in Germany?" (not VW!)

SPDRs (S&P 500) ETFs, inter alia, trade in Euros on the Frankfurt Stock Exchange.
by Bylo Selhi
Wed Mar 09, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: Bread - The Cost and Convenience
Replies: 94
Views: 9948

Re: Bread - The Cost and Convenience

+1 for Zojirushi !! +1 We had several cheaper makes of bread maker that lasted a couple of years before failing. Our Zoji has been working like a champ baking bread every 2 or 3 days for the past several years. It's well worth the higher cost. A couple of pro tips to extend the life of the bread pa...
by Bylo Selhi
Sun Feb 07, 2016 12:27 pm
Forum: Personal Consumer Issues
Topic: Planning European-Southern Germany Road Trip Travel-Hacks Wanted
Replies: 17
Views: 1434

Re: Planning European-Southern Germany Road Trip Travel-Hacks Wanted

Munich, Vienna and Zurich Parking is hard to find and generally expensive when you do. Automatic transmissions tend to be hard to find in Europe on lower-end cars. Also drop-off fees can be high. And be careful with using credit card insurance. Some credit cards won't cover you in Europe or in all ...
by Bylo Selhi
Mon Jan 11, 2016 4:12 pm
Forum: Personal Consumer Issues
Topic: Films or TV with great period sets
Replies: 46
Views: 3203

Re: Films or TV with great period sets

Don't forget some of this year's Oscar contenders, including e.g.
• The Revenant [spectacular outdoor scenery, undoubtedly because it was filmed in Canada ;)]
• The Hateful Eight
• Bridge of Spies
• The Danish Girl
• even Star Wars [if you'll consider a piece from a future period]
by Bylo Selhi
Sun Jan 10, 2016 3:07 pm
Forum: Personal Consumer Issues
Topic: Films or TV with great period sets
Replies: 46
Views: 3203

Re: Films or TV with great period sets

TV
Boardwalk Empire
Miss Fishers Murder Mysteries (Australian)
Murdoch Mysteries (Canadian)
The Doctor Blake Mysteries (Australian)
The Knick
The Borgias

Films
Amadeus
The Sting
...and oh, so many more...
by Bylo Selhi
Sun Jan 03, 2016 11:02 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 429
Views: 177268

Re: TV show recommendations?

After a two year hiatus a new episode of Sherlock aired in the UK a couple of days ago. Starring Benedict Cumberbatch as Sherlock and Martin Freeman as Watson. The Guardian's review sums it up nicely. Sherlock’s back and it's fast, fun, flashy, fantastic Mark Gatiss and Steven Moffat built 90 minute...
by Bylo Selhi
Wed Dec 02, 2015 2:34 pm
Forum: Investing - Theory, News & General
Topic: The Company That's a Bigger Threat to Wall Street Than Occupy
Replies: 7
Views: 1739

The Company That's a Bigger Threat to Wall Street Than Occupy

Gotta love the headline :mrgreen: The Company That's a Bigger Threat to Wall Street Than Occupy The people having the most success destroying the Wall Street elite these days are not bomb-throwing anarchists. They are buttoned-up investment types who are just less greedy... Bloomberg tallies up what...
by Bylo Selhi
Sun Nov 29, 2015 11:51 am
Forum: Investing - Theory, News & General
Topic: Everything in Vanguard?
Replies: 14
Views: 3691

Re: Everything in Vanguard?

†TD Bank. Toronto. Dominion. Obviously. Not hiding their Canadian-ness, no, of course not. Heh. Here in Canada, it's marketed as TD Canada Trust. So I guess they're fine with being associated with Canada up here, but don't want to be associated with Toronto. Actually because after the merger betwee...

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