Search found 714 matches

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: 5056

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: 2939

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: 5056

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: 2939

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: 5056

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: 674
Views: 107698

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: 1392

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: 9675

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: 1354

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: 3032

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: 3032

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: 175604

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: 1697

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: 3616

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...
by Bylo Selhi
Tue Nov 03, 2015 1:08 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 429
Views: 175604

Re: TV show recommendations?

I never thought I could get into TV shows. Then maybe 9 months ago I watched House of Cards, wow. Yes, TV has come a long way since HBO pioneered with The Sopranos and Band of Brothers. What was considered revolutionary back then is now par for the course, especially on cable channels. But even the...
by Bylo Selhi
Wed Oct 28, 2015 1:12 pm
Forum: Personal Consumer Issues
Topic: Replace safe Deposit Box with home safe?
Replies: 46
Views: 5492

Re: Replace safe Deposit Box with home safe?

contains: Car titles, wedding license, paper savings bonds, birth certificates, passports, ssn cards, and a CD with our wedding photos In addition to a home fire-resistant safe, another, um, out-of-the-safe-deposit-box idea... All of those are paper documents. You can make copies using a scanner, c...
by Bylo Selhi
Sun Oct 25, 2015 2:27 pm
Forum: Personal Consumer Issues
Topic: Leave charger plugged in?
Replies: 14
Views: 2617

Re: Leave charger plugged in?

Which is why some mass market products still do not use universal power supplies. Thankfully very few nowadays. <OT> Now if only the remaining manufacturers of things like cameras, shavers, trimmers, toothbrushes, etc. would re-engineer their devices to charge off a standard 5V USB or micro-USB por...
by Bylo Selhi
Sun Oct 25, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: Leave charger plugged in?
Replies: 14
Views: 2617

Re: Leave charger plugged in?

What about fire risks? Negligible? I would say neglible. Anything that's plugged in 24x7 could conceivably develop a fault, overheat and catch fire. That includes all the stuff everyone has plugged in 24x7 like TVs, microwaves, clock radios, cordless phones, etc. There is some evidence that cheap g...
by Bylo Selhi
Sun Oct 25, 2015 7:37 am
Forum: Personal Consumer Issues
Topic: Leave charger plugged in?
Replies: 14
Views: 2617

Re: Leave charger plugged in?

I used a Kill-A-Watt device to see what how much power my devices use. So did the authors of the two articles I linked to ;) and so did I when I was curious about this issue a few years ago. A Boglehead tip: You only need these devices occasionally. There's no real need to buy one unless you want t...
by Bylo Selhi
Sat Oct 24, 2015 2:20 pm
Forum: Personal Consumer Issues
Topic: Leave charger plugged in?
Replies: 14
Views: 2617

Re: Leave charger plugged in?

There are two types of AC chargers. One uses a transforner to reduce 120VAC down to low voltage. The other uses switching circuitry. Transformer-based chargers are larger and heavier than switching circuitry-based chargers. (You can tell it's the latter if it barely weighs more than the plastic box ...
by Bylo Selhi
Thu Oct 22, 2015 6:31 am
Forum: Personal Consumer Issues
Topic: Austria during winter
Replies: 22
Views: 2774

Re: Austria during winter

does it make sense to hire a good guide ? Does anyone know a good one ? I'm not sure why you'd need one. Perhaps you can elaborate. Almost everyone speaks good English, especially if they're a tourism related business. You might want to take a 2 or 3 hour bus tour when you first get to Vienna. This...
by Bylo Selhi
Tue Oct 20, 2015 7:16 am
Forum: Personal Consumer Issues
Topic: Austria during winter
Replies: 22
Views: 2774

Re: Austria during winter

And while we're on the subject, let's talk Sacher Tortes! I didn't have one at Demel, but I did have them at Cafe Sacher and Cafe Sperl. Oddly enough, the one at Sperl was unquestionably better (and the atmosphere less crowded and more relaxed... it was cheaper too!) Lesson being, when you're in Vi...
by Bylo Selhi
Sun Oct 18, 2015 9:37 am
Forum: Personal Consumer Issues
Topic: Austria during winter
Replies: 22
Views: 2774

Re: Austria during winter

For other day trips, I'd suggest Salzburg, which isn't that far of a drive from Vienna (???). I would suggest using trains rather than drive, especially in the winter. The train system in AT (and CH, DE, et al) is extensive, frequent, reliable and potentially inexpensive. It's about 2½ hours betwee...
by Bylo Selhi
Sat Aug 08, 2015 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Moving To [Canada] From USA
Replies: 23
Views: 2899

Re: Moving To [Canada] From USA

But thank you for perpetuating a negative stereotype . I didn't want to get into this either but since you opened the door ;) The funny part everyone thinks it better somewhere else. As a Canadian citizen there is no place better for sucess then in Canada . And you can even pick your province and c...
by Bylo Selhi
Fri Aug 07, 2015 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Moving To [Canada] From USA
Replies: 23
Views: 2899

Re: Moving To [Canada] From USA

be warned I am out of date so take with a grain of salt! Check, don't accept what I say as "facts" . A few points: - best to treat VG Canada (which charges loads) as a totally different company from VG USA. Being a client of one won't help you with the other! because they are separately r...
by Bylo Selhi
Tue Jul 28, 2015 9:58 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Explains How the Index Fund Won With Investors
Replies: 3
Views: 524

Re: Jack Bogle Explains How the Index Fund Won With Investors

Every time I see your cute little beaver waving the Canadian flag I laugh :happy Enjoy! https://www.google.ca/search?q=canadian+flag+waving+beaver&source=lnms&tbm=isch&sa=X&ved=0CAcQ_AUoAWoVChMI6PG58In-xgIVVBOSCh0wTwuD&biw=1920&bih=1087 http://images.clipartof.com/thumbnails...
by Bylo Selhi
Tue Jul 28, 2015 8:41 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Explains How the Index Fund Won With Investors
Replies: 3
Views: 524

Jack Bogle Explains How the Index Fund Won With Investors

Jack Bogle Explains How the Index Fund Won With Investors A. ...Warren Buffett believes this. He said that 90% of the trust he’s leaving to his wife should go in the Vanguard 500 Index Fund. Q: If he’d asked, would you have suggested the more diverse Vanguard Total Stock Market Fund instead? A: Yea...
by Bylo Selhi
Sun Jul 05, 2015 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Non-US citizen with US Brokers: Estate Tax risk?
Replies: 56
Views: 10450

Re: Non-US citizen with US Brokers: Estate Tax risk?

By the way, how does the IRS or anyone actually know if the account holder is dead? Many countries have entered into tax treaties and tax information exchange agreements. The extent of this information sharing has increased in recent years, in part in reaction to anti-terrorism efforts and in part ...
by Bylo Selhi
Sun Jun 28, 2015 6:49 am
Forum: Investing - Help with Personal Investments
Topic: Non-US citizen with US Brokers: Estate Tax risk?
Replies: 56
Views: 10450

Re: Non-US citizen with US Brokers: Estate Tax risk?

There is a lot of questionable information on this thread, but as usual TedSwippet is accurate. +1 and +1 Something to keep in mind: if an NRA investor uses a foreign holding company to invest in US property using US brokerages virtually all the US estate/gift tax problems disappear. This is the st...
by Bylo Selhi
Mon May 11, 2015 9:15 pm
Forum: Personal Consumer Issues
Topic: Toronto Vacation - Finding a hotel
Replies: 41
Views: 4119

Re: Toronto Vacation - Finding a hotel

There are no tollbooths. All is done by camera. Or a transponder. That saves the $4/entry camera fee. I went to Toronto for a weekend and was on the 407 three times. The tolls turned out to be more than a few dollars per mile. Economics 101: they charge what the market will bear. Never got a bill i...
by Bylo Selhi
Sun May 10, 2015 8:08 am
Forum: Personal Consumer Issues
Topic: Toronto Vacation - Finding a hotel
Replies: 41
Views: 4119

Re: Toronto Vacation - Finding a hotel

30 minutes on a good day ;-). When the TTC subway (Yonge Line) is not having issues. One advantage is that far north, you have a chance of finding a seat 7.15-9.15 am. But it's not a nice ride downtown in rush hour. I would think that tourists, especially with kids, wouldn't be riding the rails bef...
by Bylo Selhi
Wed May 06, 2015 3:28 pm
Forum: Personal Consumer Issues
Topic: Toronto Vacation - Finding a hotel
Replies: 41
Views: 4119

Re: Toronto Vacation - Finding a hotel

We just booked at "Best Western Roehampton Hotel & Suites" located at 808 Mount Pleasant Road Toronto ON M4P2L2. http://www.expedia.com/Toronto-Hotels-Best-Western-Roehampton-Hotel-Suites.h24114.Hotel-Information It's just a short walk to the Eglinton station on the Yonge St (main) li...
by Bylo Selhi
Sat May 02, 2015 8:02 am
Forum: Investing - Theory, News & General
Topic: Even Financial Pros Choose Indexing for Retirement Savings
Replies: 6
Views: 1533

Re: Even Financial Pros Choose Indexing for Retirement Savin

Are the numbers higher for index funds in Canada where the MERs are a lot higher? I suspect the percentage of pros who index their own money is lower than in the US. Likewise the penetration of indexing in general is lower. There are several reasons for this. 1. Indexing has been around for a lot s...
by Bylo Selhi
Thu Apr 30, 2015 12:08 pm
Forum: Investing - Theory, News & General
Topic: Even Financial Pros Choose Indexing for Retirement Savings
Replies: 6
Views: 1533

Even Financial Pros Choose Indexing for Retirement Savings

Even Financial Pros Choose Indexing for Retirement Savings Planning for retirement? You're better off saving on fees in an index fund than trying to beat the markets. That recommendation by legendary investor Jack Bogle is shared by 42 percent of financial professionals in the latest Bloomberg Mark...
by Bylo Selhi
Wed Apr 15, 2015 7:32 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 429
Views: 175604

Re: TV show recommendations?

No one has mentioned Better Call Saul which just finished its first season. It's about Saul Goodman and Mike Ehrmantraut before they arrived on Breaking Bad . The show runners are Vince Gilligan and Peter Gould of BB so it has all the creative genius that made BB so good. While the show stands on it...
by Bylo Selhi
Sat Apr 11, 2015 6:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 8035

Re: Favorite Boglehead Avatar?

My avatar is a Black Swan, which I have created by modifying another picture. I was thinking that it signifies my Black Swan awareness ... until someone commented that it looks like a peacock. Is there such a thing as a Black Peacock? (The closest to one that I've seen was the NBC logo on a monochr...
by Bylo Selhi
Mon Mar 30, 2015 8:25 am
Forum: Local Chapters and Bogleheads Community
Topic: R.I.P. George-J
Replies: 4
Views: 2568

Re: R.I.P. George-J

Always sorry to hear of the demise of a decent human being, and George seemed eminently qualified on that count. He was one of the most decent persons I've had the privilege to know. George also attended one or two Bogleheads conferences. Here's his obituary . There will be a memorial and celebrati...
by Bylo Selhi
Tue Mar 17, 2015 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard account canada
Replies: 4
Views: 670

Re: Vanguard account canada

what are the fees like with brokers? Typically $10/trade. Some brokers require a minimum account size to get that rate. Others may offer lower rates. And others offer free buys of [very] selected ETFs, e.g. Scotiabank's iTRADE with commission-free ETFs . Another small broker, Questrade (not to be c...
by Bylo Selhi
Tue Mar 17, 2015 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Do you still use currency or have you gone all-plastic?
Replies: 47
Views: 4253

Re: Do you still use currency or have you gone all-plastic?

This is not a dichotomy. (Waiting for the Canadians and Australians to chime in.) OK I'll bite. 1. Everything in my wallet is plastic (except for the metal in the chips.) 2, Everything in my change purse is metal. Exceptions: (a) When I travel to the USA or Europe I usually carry a wad of paper (b)...
by Bylo Selhi
Sat Mar 14, 2015 12:32 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 973
Views: 215917

Re: Best watch for around $5,000?

Actually, I live in New England, and since I am about 2000 miles from WWV in Fort Collins and 500 miles from CHU in Ottawa, it's quite possible that for me, CHU might be more accurate--unless "atomic watches" include a GPS and make an allowance for speed-of-light propagation delays. Which...
by Bylo Selhi
Mon Mar 09, 2015 8:51 am
Forum: Personal Consumer Issues
Topic: Kitchen appliance question
Replies: 10
Views: 1370

Re: Kitchen appliance question

Does anyone have any experience with the Jenn Air brand? We have had KitchenAid and Whirlpool with no problems. Thanks. FWIW all of the above brands are made by Whirlpool , as are Maytag, Amana, etc. Many models among these brands share common parts. That may not be the case with Jenn-Air due to it...
by Bylo Selhi
Thu Feb 26, 2015 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Young and New to investing. [Canada]
Replies: 3
Views: 676

Re: Young and New to investing. [Canada]

However, I recommend you join and post your question in our sister Canadian forum: Financial Wisdom Forum , you'll get expert advice. The best information comes from your home country forum. They also have an excellent wiki, start here: Getting started - finiki, the Canadian financial wiki Thanks. ...
by Bylo Selhi
Wed Feb 25, 2015 5:19 pm
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 100
Views: 13121

Re: Subaru and Consumer Reports ratings

I just replaced my 2003 Forester with a 2015 model if that gives any indication of my satisfaction with that make and model. The new CVT makes the car much peppier, smoother and more fun to drive than the old auto tranny. Gas mileage on the 2015 is substantially improved. Handling is a bit lighter o...
by Bylo Selhi
Thu Feb 19, 2015 9:16 am
Forum: Investing - Theory, News & General
Topic: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM
Replies: 30
Views: 3166

Re: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM

Happy Birthday from the Great White North. It may be frigid outside with record cold weather but this place remains a warm refuge for Jack Bogle adherents and devotees.

Image
by Bylo Selhi
Sat Feb 14, 2015 7:51 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 973
Views: 215917

Re: Best watch for around $5,000?

It doesn't mean anything that your watch matches WWV. Your watch is basically getting the time FROM WWV... or rather your watch and WWV are getting their time from the same place... so they could both be off. They both are off. Even atomic clocks, the source of WWV's time signal, are "off"...
by Bylo Selhi
Wed Feb 04, 2015 12:23 pm
Forum: Personal Consumer Issues
Topic: hut to hut in the Alps
Replies: 10
Views: 1503

Re: hut to hut in the Alps

Jon Hurdle's Walking Austria's Alps: Hut to Hut . Hurdle is a transplanted Brit living in the US who freelances for the NY Times. Here's an article he wrote about 30 years ago that nicely summarizes the hut-to-hut experience: HIKING HUT TO HUT IN AUSTRIA . As I said before this material is now some...
by Bylo Selhi
Wed Feb 04, 2015 9:26 am
Forum: Personal Consumer Issues
Topic: hut to hut in the Alps
Replies: 10
Views: 1503

Re: hut to hut in the Alps

I could go on for hours. Where to begin... ;) As background, my wife and I have been doing hut-to-hut hiking in the Alps regularly since the mid-80s. Mostly in Austria but also Switzerland, Germany, Italy and Poland. We've done everything from day trips to 2 to 3 week trans-alpine treks, staying in ...
by Bylo Selhi
Tue Jan 27, 2015 8:21 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 973
Views: 215917

Re: Best watch for around $5,000?

How to Buy Happiness: The Purchases Most Likely to Bring You Joy While true happiness may be something that can only be found in the heart, there are plenty of arguments that say money can actually buy you some happiness here and there. Here are some of the ways experts say it's possible to write a...
by Bylo Selhi
Mon Jan 26, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 973
Views: 215917

Re: What experts say about $5,000 watches

For anyone wanting a watch that keeps perfect time, I recommend this one: http://www.hammacher.com/Product/84166?promo=search My wife gave me one for Christmas some years ago and it's the most accurate watch I've ever owned. Every time I've checked it with WWV it is accurate to the second and runs ...
by Bylo Selhi
Sun Jan 25, 2015 10:48 pm
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 65
Views: 9951

Re: Winter Coat

ItsOK27 wrote:I currently work in Korea. Any other advice on winter jacket sales such as Columbia or NF? TIA

REI currently has a winter sale in their outlet store but they won't ship Patagonia, Columbia or TNF products outside the US so you'd need a family member or friend stateside that can buy on your behalf.

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