Search found 794 matches

by Bylo Selhi
Sat Dec 03, 2016 10:00 pm
Forum: Personal Consumer Issues
Topic: 32 GB or 128GB storage for a new smartphone?
Replies: 35
Views: 2629

Re: 32 GB or 128GB storage for a new smartphone?

My less than 3 year old Nexus 5 is having battery problems so I'm considering a new phone. Have you considered simply replacing the battery in your Nexus 5? Batteries for that phone are cheap and easy to replace. I bet you could find a shop to do it for less than $30. I have an N5 and replaced the ...
by Bylo Selhi
Sat Dec 03, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: CBP (INS) Global Entry program worth it?
Replies: 38
Views: 1802

Re: CBP (INS) Global Entry program worth it?

There is another program (Nexus) for Canadian border entry, which adds in a fast-track border crossing along with Global Entry and TSA (and costs less), but it is only available in a few near-border locations. For completeness, there's yet another option for people who cross the border by land or s...
by Bylo Selhi
Wed Nov 30, 2016 9:14 am
Forum: Personal Consumer Issues
Topic: Have Nexus but not able to use tsa precheck
Replies: 16
Views: 1297

Re: Have Nexus but not able to use tsa precheck

Are you over 65 and a frequent traveler? Not quite 65. (Just a few more months to go.) The flight to RDU and back was the first flight into the US in about a decade. That's why I was surprised. I do cross the border by car several times a year and I used to fly into the US several times a year on b...
by Bylo Selhi
Wed Nov 30, 2016 8:01 am
Forum: Personal Consumer Issues
Topic: Have Nexus but not able to use tsa precheck
Replies: 16
Views: 1297

Re: Have Nexus but not able to use tsa precheck

There are now a couple international airlines as well, e.g. Lufthansa LH passengers have been facing more daunting delays than TSA checks. Moreover Nexus cards won't help in this situation :twisted: Striking Lufthansa pilots ground nearly 900 flights (These strikes have been ongoing on a rotating b...
by Bylo Selhi
Tue Nov 29, 2016 8:49 am
Forum: Personal Consumer Issues
Topic: Honda CRV or Subaru Outback?
Replies: 83
Views: 29634

Re: Honda CRV or Subaru Outback?

The inconvenience (changing/ storing), cost and noise/poorer dry-road handling make show tires undesirable for me. I drive a long commute in incredibly difficult winter conditions and have not had any trouble with AWD/ all season tires. I do agree though, that winter tires obviously will perform be...
by Bylo Selhi
Mon Nov 28, 2016 9:40 pm
Forum: Personal Consumer Issues
Topic: Shopping and Time Vs. Money
Replies: 20
Views: 1834

Re: Shopping and Time Vs. Money

So bummed that it failed and to hear that this is a common problem with laser printing. Laser printers use heat and pressure to melt/fuse toner onto the paper. The heat tends to make the adhesive on envelopes stick and the pressure tends to "crinkle" the paper. I was looking at Brother 23...
by Bylo Selhi
Mon Nov 28, 2016 8:59 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 512243

Re: What Movie Have You Recently Watched?

East Side Sushi ... a struggling single-mom Latina tries to become a sushi chef despite prejudices in Oakland. I mention this for the other sushi movie watchers. My neighbor gave me his netflix dvd out of the blue, so I watched it. This low-key movie of normal life in Oakland won many awards despit...
by Bylo Selhi
Mon Nov 28, 2016 2:20 pm
Forum: Personal Consumer Issues
Topic: Shopping and Time Vs. Money
Replies: 20
Views: 1834

Re: Shopping and Time Vs. Money

Where do you score the greatest savings for the amount of time spent? I think there's another dimension to this issue: features (and benefits.) There's no point in getting the best deal, no matter how much or little time you devote to finding it, if the product doesn't meet your needs. It's especia...
by Bylo Selhi
Mon Nov 28, 2016 8:38 am
Forum: Personal Consumer Issues
Topic: Honda CRV or Subaru Outback?
Replies: 83
Views: 29634

Re: Honda CRV or Subaru Outback?

The usual outcome of that discussion is that you have to have AWD AND snow tires. For the people who wear both a belt AND suspenders. You never know... AWD and snow tires serve two different purposes. AWD provides extra traction that helps you get moving in heavy snow. It doesn't reduce stopping di...
by Bylo Selhi
Sun Nov 27, 2016 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Investing in the 80's when CD rates were 17%?
Replies: 74
Views: 6597

Re: Investing in the 80's when CD rates were 17%?

I didn't avoid the stock market because I wasn't really ready to start investing yet. Ditto. I didn't get into equities until the mid-1980s. [Historical anecdote: I'd just read Malkiel's Random Walk Down Wall Street . I was intrigued by the notion of indexing. Malkiel mentioned Vanguard. But I was ...
by Bylo Selhi
Fri Nov 25, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 5889

Re: Black Friday - is this overdone?

That's the day I decided it was not prudent to be anywhere near a store on Black Friday... My wife and I have a perpetual disagreement about shopping during the holiday season. I believe it's tolerable as long as you shop in the morning before noon. But not on Black Friday. I solved that problem se...
by Bylo Selhi
Fri Nov 25, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 5889

Re: Black Friday - is this overdone?

Black Friday prices do tend to be the best of the year. Like you and others, I tend to replace stuff when I need to, not when the replacement is on sale. In my experience BF prices are no longer best by a substantial margin. The exceptions are usually limited-quantity "door crashers" for ...
by Bylo Selhi
Fri Nov 25, 2016 9:33 am
Forum: Investing - Theory, News & General
Topic: Bogle Biography?
Replies: 16
Views: 1125

Re: Bogle Biography?

davidkw wrote:Wow! You can get it for 1 cent on Amazon

+$3.99 shipping ;)

Still a great price for a great book.
by Bylo Selhi
Fri Nov 25, 2016 8:11 am
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 5889

Re: Black Friday - is this overdone?

Does Black Friday "work" in America, now? Are there real bargains to be had? Do you participate? Do you think it makes you more (or less?) materialistic? Not everyone succumbs to the madness and not all merchants are greedy. REI's advice to its customers on Black Friday: Take a hike
by Bylo Selhi
Fri Nov 25, 2016 7:53 am
Forum: Investing - Theory, News & General
Topic: Bogle Biography?
Replies: 16
Views: 1125

Re: Bogle Biography?

Robert Slater wrote an excellent biography: John Bogle and the Vanguard Experiment . Slater's book was published in 1997. A more recent book is Braham's, The House that Bogle Built . (The "House" referred-to in the title is Vanguard. But Jack built many more houses during his career; the ...
by Bylo Selhi
Tue Nov 22, 2016 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Canada: Minimum wage & living expenses
Replies: 16
Views: 1719

Re: Canada: Minimum wage & living expenses

Considering that neither has given a squeak of complaints, surely this must be quite generous? Given the limited information posted so far, I'd say the lack of squeaking is a good gauge for "reasonable"ness ;) Considering that this is year end, perhaps now would be a good time to have a c...
by Bylo Selhi
Mon Nov 21, 2016 9:38 am
Forum: Personal Consumer Issues
Topic: Google voice without forwarding number
Replies: 6
Views: 579

Re: Google voice without forwarding number

Does he really need it to be forwarded? The computer based GV interface allows for texting and voice mail retrieval. All he'd really need to do is return calls using whatever phone he will have in his new country. Which could be GV itself using a smartphone app like Google Hangouts and Messenger ov...
by Bylo Selhi
Sat Nov 19, 2016 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring money from US to Canada every 4 months
Replies: 20
Views: 1271

Re: Transferring money from US to Canada every 4 months

The problem is that I don't think a Canadian bank would accept a regular US check, I'd have to send a money order, and I wouldn't feel safe sending a money order for $16,000 USD through the mail, so I think this option is probably out. Pretty well all Canadian banks accept USD checks for deposit in...
by Bylo Selhi
Sat Nov 19, 2016 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring money from US to Canada every 4 months
Replies: 20
Views: 1271

Re: Transferring money from US to Canada every 4 months

So far the best option I've come up with is TransferWise or Oanda. I still have to pay the same international wire transfer fees, I think, but I get a much better exchange rate. Even so wire transfers typically cost $10 to $25 each to send and receive (at least at TD Bank in Canada.) The typical FX...
by Bylo Selhi
Sun Nov 13, 2016 12:15 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 512243

Re: What Movie Have You Recently Watched?

Jiro Dreams of Sushi , free with Amazon Prime. This is a documentary which follows someone who's considered the world's greatest sushi chef. The spoken language is Japanese - English subtitles were turned on. I thought the movie was accurate, insightful, and presented in a very classy and artful wa...
by Bylo Selhi
Sun Nov 13, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Inexpensive Office Furntiture
Replies: 5
Views: 353

Re: Inexpensive Office Furntiture

"bonded leather" couches, but is concerned about wearability Bonded leather is generally less durable than real leather. That may be a particular issue in an office setting where there's more traffic than in a residential setting. She doesn't want vinyl since she tries to keep the office ...
by Bylo Selhi
Sat Nov 12, 2016 3:48 pm
Forum: Personal Consumer Issues
Topic: Drain Cleaner or Plumber for slow drains?
Replies: 52
Views: 3762

Re: Drain Cleaner or Plumber for slow drains?

Or a couple of those cheap plastic drain cleaner tools. https://www.walmart.com/ip/Zip-It-00412BL-Cobra-Drain-Cleaning-Tool/21799377 I was so intrigued by these that I decided to try a Boglehead solution :idea: Get a foot long plastic cable tie about ¼" wide. Make a series of barbed notches al...
by Bylo Selhi
Fri Nov 11, 2016 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Any advantages to multiple citizenships?
Replies: 33
Views: 2136

Re: Any advantages to multiple citizenships?

Many Canadians who come here when giving birth are high risk mothers due to the differences in the health care systems is what I was told. I don't know about "many" but some years ago there were reports of Canadian provincial health insurers sending high risk mothers to US border hospital...
by Bylo Selhi
Fri Nov 11, 2016 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Any advantages to multiple citizenships?
Replies: 33
Views: 2136

Re: Any advantages to multiple citizenships?

There are many UK, Canadian and Chinese and other countries citizens who come to the USA to give birth... http://www.ctvnews.ca/health/health-headlines/is-birth-tourism-a-problem-in-canada-doctors-on-frontline-of-debate-1.3023973 The second article is about the reverse issue, i.e. women from the UK...
by Bylo Selhi
Fri Nov 11, 2016 8:29 am
Forum: Personal Consumer Issues
Topic: Looking for recommendations on aerobic exercise equip.
Replies: 55
Views: 2339

Re: Looking for recommendations on aerobic exercise equip.

retire14 wrote:I have a treadmill and a elliptical at home, but I do not enjoy using them... I am thinking of a stationary bike or a rowing machine.

What is it about the treadmill/elliptical that you don't like? If it's boredom then how would a bike/rower be any different?
by Bylo Selhi
Fri Nov 11, 2016 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Any advantages to multiple citizenships?
Replies: 33
Views: 2136

Re: Any advantages to multiple citizenships?

I have multiple citizenships and was wondering if there were any ways I could exploit these to my advantage This doesn't relate to investing but dual/multiple citizenships confer to the holder the right to live, study, work, retire, etc. in those countries. In the case of citizenship in any EU coun...
by Bylo Selhi
Thu Nov 10, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 164
Views: 10255

Re: Hiking questions

Re hiking boots, one very popular model is Lowa Renegade GTX. Lowa is a German company that has been making boots for many decades. I'd say half the hikers in the German and Austrian Alps wear this brand. These boots are made in the EU (in Slovenia) not in Asia. They're light weight, fit well, water...
by Bylo Selhi
Sat Nov 05, 2016 1:33 pm
Forum: Personal Consumer Issues
Topic: Losing cell phone memory; not sure why or how to stop it!
Replies: 15
Views: 1450

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

I'm not sure why our answers weren't satisfactory, but if you want the most authoritative Android forum for geeks: XDA Developers • Android Forums
by Bylo Selhi
Sun Oct 30, 2016 1:58 pm
Forum: Personal Consumer Issues
Topic: Electronics Recycling
Replies: 14
Views: 1018

Re: Electronics Recycling

See How to Destroy a Hard Drive—Permanently and 10 Easy Ways to Destroy a Hard Drive It's better to remove the aluminum cover plate (held by Torx or hex screws) before you start hammering. Note that hard disk platters are often made from magnetically-coated glass. They will splinter when hammered wi...
by Bylo Selhi
Fri Oct 28, 2016 8:50 pm
Forum: Personal Consumer Issues
Topic: Help me: Tips for restaurant business [Canada]
Replies: 3
Views: 339

Re: Help me: Tips for restaurant business [Canada]

Do we need to launch our own website or start service through sites like https://www.skipthedishes.com or https://www.tasteaway.com? Which one should be better for a small business owner like me? I'm no expert on this but AFAIK the leading site in Canada for this purpose is JustEat.ca . They publis...
by Bylo Selhi
Fri Oct 28, 2016 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Sued for General [Investment] Advice?
Replies: 43
Views: 5389

Re: Sued for General Advice?

If the law holds in your favor, you have your pick of the litter of any number of them who may indemnify you for their awful awful advice. In fact why stop at apple? Do it for all publically traded companies. Why stop at seekingalpha? Do it for every positive google search you find. How often do si...
by Bylo Selhi
Fri Oct 28, 2016 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Sued for General [Investment] Advice?
Replies: 43
Views: 5389

Re: Sued for General Advice?

That's one of the reasons why this site and virtually all others have statements in the Terms Of Service and more prominent places that say stuff like: "...No guarantees are made as to the accuracy of the information on this site or the appropriateness of any advice to your particular situatio...
by Bylo Selhi
Mon Oct 24, 2016 9:01 am
Forum: Investing - Theory, News & General
Topic: Who disagrees with Jack. . .
Replies: 73
Views: 5462

Re: Who disagrees with Jack. . .

Hi I was wondering how many agree with almost everything Jack says and does . Bogleheads: A word of caution. Each investor has their own goals, time-frame, risk-tolerance, and personal financial situation. What Jack does , should have little bearing on the advice he gives to others. Best wishes. Ta...
by Bylo Selhi
Fri Oct 21, 2016 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Bonds vs CDs in current low interest environment (CAD)
Replies: 11
Views: 1730

Re: Bonds vs CDs in current low interest environment (CAD)

1. Set up a series of CDs maturing at each start of semester. My kids are in Canada but I am elsewhere so I am unfamiliar with the USA/Canadian terminology. Presumably a bank GIC (Guaranteed Investment Certificate) is the same as a CD in the USA? Whatever... Current interest rates on this type of f...
by Bylo Selhi
Wed Oct 19, 2016 6:19 am
Forum: Personal Consumer Issues
Topic: Road Scholar trip to Cuba - Need practical advice
Replies: 21
Views: 1786

Re: Road Scholar trip to Cuba - Need practical advice

And this just in, a Canadian's entry for the Darwin Awards :oops: Toronto man detained after flying drone in Cuban square On Sept. 30, a few days before the Canadian man found himself in a Cuban detention centre, Hughes had flown a drone above the Plaza de la Revolucion in Havana... He said he did n...
by Bylo Selhi
Tue Oct 18, 2016 7:57 pm
Forum: Personal Consumer Issues
Topic: Wireless Headphones
Replies: 17
Views: 1551

Re: Wireless Headphones

Does the TV have to have bluetooth to listen with headphones Not necessarily. You can get inexpensive Bluetooth transmitters that connect to the audio output of the TV, e.g. AUKEY Bluetooth Transmitter for $16. Note this model has aptX Low Latency. This greatly reduces the lag between what you see ...
by Bylo Selhi
Tue Oct 18, 2016 7:20 am
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 8762

Re: If i want to invest in gold (metal), what is the best way?

Gold could attract people who want to take it from you... Might not get market prices or anything close. Like for example Uncle Sam? Executive Order 6102 Executive Order 6102 is a United States presidential executive order signed on April 5, 1933, by President Franklin D. Roosevelt "forbidding...
by Bylo Selhi
Tue Oct 18, 2016 7:18 am
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 8762

Re: If i want to invest in gold (metal), what is the best way?

Gold could attract people who want to take it from you... Might not get market prices or anything close. Like for example Uncle Sam? Executive Order 6102 Executive Order 6102 is a United States presidential executive order signed on April 5, 1933, by President Franklin D. Roosevelt "forbidding...
by Bylo Selhi
Mon Oct 17, 2016 9:39 pm
Forum: Personal Consumer Issues
Topic: Road Scholar trip to Cuba - Need practical advice
Replies: 21
Views: 1786

Re: Road Scholar trip to Cuba - Need practical advice

2. Download google maps or/and maps.me . You can download maps for offline use and your gps location will still ping even though you wont have cell reception. Good advice that's worked for me in the past. But be aware that officially a standalone GPS unit, e.g. a handheld Garmin, requires a license...
by Bylo Selhi
Mon Oct 17, 2016 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 8762

Re: If i want to invest in gold (metal), what is the best way?

So diamonds are the ultimate way of moving money across frontiers, being much higher value per unit weight than gold. Actually there are assets that are smaller, more discreet and have higher value per unit weight than even diamonds. Just watch the classic movie Charade for details. Even if you don...
by Bylo Selhi
Mon Oct 17, 2016 6:42 am
Forum: Personal Consumer Issues
Topic: Road Scholar trip to Cuba - Need practical advice
Replies: 21
Views: 1786

Re: Road Scholar trip to Cuba - Need practical advice

Another thought... Canadians have been vacationing in Cuba for decades. As a result there are many flights, scheduled and charter, vacation packages, tours, etc. Competition is stiff so prices tend to be low, especially in the shoulder seasons, last-minute bookings, etc. With the Canadian dollar at ...
by Bylo Selhi
Sun Oct 16, 2016 9:20 pm
Forum: Personal Consumer Issues
Topic: Road Scholar trip to Cuba - Need practical advice
Replies: 21
Views: 1786

Re: Road Scholar trip to Cuba - Need practical advice

Has anyone used Euros to exchange to Pesos? Speaking to someone making a recent trip, they received a better rate of exchange. I can't speak for the exchange rate but there were lots of Europeans, especially Germans, visiting in Cuba so presumably the foreign exchange desks accept Euros. Something ...
by Bylo Selhi
Wed Oct 05, 2016 8:25 am
Forum: Investing - Theory, News & General
Topic: BlackRock Cuts Prices on ETFs
Replies: 62
Views: 5188

Re: BlackRock Cuts Prices on ETFs

Cue the "Vanguard is better" posts. :happy Competition is good. Motives reveal character. Vanguard cuts fees because their duty to give us all the fairest shake possible. This maximizes the profit investors make. Other ETF sponsors cut fees because they're trying to capture market share. ...
by Bylo Selhi
Sat Oct 01, 2016 10:55 am
Forum: Investing - Theory, News & General
Topic: [2016 Bogleheads 15 Conference Report]
Replies: 52
Views: 6021

Re: [2016 Bogleheads 15 Conference Report]

Jack Bogle Sounds Off: 10 Provocative New Pronouncements from the Legendary Founder of Vanguard Listening to Vanguard founder Jack Bogle speak is one of the highlights of the annual gathering of the Bogleheads investor community, dedicated to Bogle’s principles of simple, low-cost investing. And ta...
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: 2140

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: 2140

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: 15
Views: 1450

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: 2660

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: 3768

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: 3768

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...

Go to advanced search