Search found 192 matches

by BC_Doc
Fri Mar 27, 2020 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Job/Exposure Risk - Rock and a Hard Place - Hospital
Replies: 15
Views: 1694

Re: Job/Exposure Risk - Rock and a Hard Place - Hospital

I’m an ER doc with kids and a spouse (nurse). As long as I’m provided with proper personal protective equipment, I’m going to work. I figure that’s what I signed up for when I went into healthcare. My wife works in Public Health. She’s been out fully gowned swabbing people at our local “drive throug...
by BC_Doc
Thu Mar 26, 2020 9:57 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 65627

Re: So bottom is probably behind us....right?

I was around and investing during the Tech Wreck and the Great Financial Crisis. 2000-2002 brought a peak to trough drop of 49% to the S&P 500. The drop during the GFC was 56% I wasn't around for the 1929 (to 1932) stock market crash but history says the loss was 86%. I'm an ER doc and not an op...
by BC_Doc
Thu Mar 19, 2020 11:11 pm
Forum: Personal Investments
Topic: Why does Vanguard's Total Bond Market fund keep going down?
Replies: 9
Views: 2398

Re: Why does Vanguard's Total Bond Market fund keep going down?

My Vanguard Canada bond ETF is getting clobbered too. I hold VSB-T which is a short-term bond ETF with an average duration of 2.5 years. Approximately 2/3 of the holdings are federal and provincial debt with the remaining 1/3 corporate debt. Market price and Net Asset Value tracked each other nicely...
by BC_Doc
Thu Feb 27, 2020 8:05 pm
Forum: Personal Investments
Topic: Million in Cash, Buy in? What would you do?
Replies: 78
Views: 6943

Re: Million in Cash, Buy in? What would you do?

I am also guilty of tactical asset allocation. I went from 50-50 down to 20-80 on February 4th. If we get into severe bear territory, my asset allocation will flip the other way to 80-20. I am a physician with a background in finance and political economics— CV and markets are unfortunately unfoldin...
by BC_Doc
Wed Sep 04, 2019 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Need to get a car in a hurry.
Replies: 48
Views: 5413

Re: Need to get a car in a hurry.

You have to fix the Camry anyway in order to sell it. So do that. Then decide if you want to keep driving it, or take your time shopping for a replacement. +1. Don't make a major purchase in a rush. You are going to make a mistake or get anbad price, or worse. Get the Camry fixed, which has to be d...
by BC_Doc
Wed Feb 27, 2019 12:37 am
Forum: Personal Consumer Issues
Topic: Anyone Keep a Second Fridge in Garage?
Replies: 56
Views: 5376

Re: Anyone Keep a Second Fridge in Garage?

When we redid our kitchen I took all the old kitchen cabinets and hung them in the garage. Our carpenter created a workbench to cover one row of cabinets. Cabinets were also fitted and hung around a powered space for the old fridge. My wife loves the extra pantry space for extra kitchen goods. Many ...
by BC_Doc
Tue Jan 29, 2019 8:22 pm
Forum: Non-US Investing
Topic: Optimal equity home bias for non-U.S. investors
Replies: 46
Views: 2904

Re: Optimal equity home bias for non-U.S. investors

I live in Canada. My equity position is 1/3 Canada, 1/3 US, 1/3 Intl. My fixed income is all Canadian except a small amount of USD fixed income that came from a US inheritance. Canadian equities get a favourable dividend tax treatment here in Canada which creates some incentive to hold them. I asked...
by BC_Doc
Sat Jan 19, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 127
Views: 15846

Re: How much money did you receive from family? (Gifts/inheritance)

$150k-ish inheritance came from my mother when she died a couple of years ago. I have two siblings who were estranged from her (she was an extremely difficult person) who were left out of the inheritance— I ended up splitting my share with them as it was the right thing to do. I am financially indep...
by BC_Doc
Sun Jan 06, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 145
Views: 16696

Re: Retirement itch- when did you get it?

52 yo Canadian MD— still working full-time by choice. Hit my retirement number two years ago. Have three kids in university— university cost in Canada is quite low compared to US and kids live frugally so educational expenses aren’t a big burden. Fourth child still in grade school so can’t do any tr...
by BC_Doc
Tue Nov 27, 2018 12:47 am
Forum: Personal Consumer Issues
Topic: When is Too Long to Return a Hair Dryer to Costco?
Replies: 73
Views: 6779

Re: When is Too Long to Return a Hair Dryer to Costco?

I have an old (10+ years) tent from Eddie Bauer with a broken pole. I called to inquire about purchasing a replacement pole. The customer service agent replied that the tent was no longer made and that the company would send me a new tent of similar model as a replacement. I thanked the person and d...
by BC_Doc
Sun Sep 02, 2018 11:20 pm
Forum: Non-US Investing
Topic: French/US citizen investments in France and USA
Replies: 4
Views: 991

Re: French/US citizen investments in France and USA

“Does anyone have a better solution? I hate having to liquidate assets and pay such a heavy tax burden.” @def6732— The Isaacbrocksociety.ca is a useful place for info for expats. The majority of folks who post there are pretty unhappy about the tax treatment of ex-pats by the USG. Options? Option on...
by BC_Doc
Sat Aug 04, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 128
Views: 10847

Re: Minivan Vs SUV Experience

As a two car household, we own a 2006 minivan and a 2009 SUV. Three of our four kids are college aged now so we’ve outgrown the minivan for probably 11 out of 12 months of the year. Like many Bogleheads, my wife and I are thrifty which means we’re hoping to get another five years out of the minivan—...
by BC_Doc
Thu Jun 14, 2018 2:48 am
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 90
Views: 12450

Re: Living Abroad - Who's done it?

I moved temporarily to Montreal in my mid-20s to attend medical school. Four years in Quebec became almost a decade then we decided to try out western Canada. We’re now coming up on a quarter century “abroad” with no regrets. I would say go for it. Life is an adventure and you don’t get re-rides. Qu...
by BC_Doc
Tue May 15, 2018 6:22 pm
Forum: US Chapters
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 17270

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

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

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

Sincerely,

“BC Doc”
Okanagan, British Columbia
by BC_Doc
Sun Apr 15, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 284
Views: 37978

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

50-50 at age 51. Was 90-10 until November 2016 when I realized I’d hit my magic number and effectively won the game. I’m an ER doctor who continues to work despite now having enough to retire. I like what I do but it’s tiring and stressful so I’m not sure what age I’ll work to or when I’ll start wor...
by BC_Doc
Thu Feb 08, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 4893

Re: Jogging in the cold.

I also wear ice grippers on my running shoes as everything is ice most of the winter I've never owned "ice grippers" - is there a particular brand or style you would recommend? Spiking an old pair of running shoes is the way to go. Buy a box of hexagonal head sheet metal screws for a few ...
by BC_Doc
Thu Jan 25, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Buying This Week: IPhone X or IPhone 8 Plus
Replies: 35
Views: 4747

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

I bought the iPhone 8 in early December. I consider the iPhone X a beta version of the iPhone— I didn’t want to pay a premium to be an early adopter. If you have the opportunity, you might want to look at the Consumer Reports reviews for the 8 Plus and X. As I recall, the 8 and the X received the sa...
by BC_Doc
Thu Jan 25, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Swing Shift vs 8-5
Replies: 36
Views: 3983

Re: Swing Shift vs 8-5

Another ER doc here. I love my big chunks of time off. I hate the impact of the variable shifts on my circadian rhythm— much of my life, I walk around feeling like I have jet lag. I exercise regularly (running plus other sports), keep to a vegetarian diet, play/travel frequently to try to limit some...
by BC_Doc
Thu Jan 25, 2018 2:31 am
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 13050

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

My phones are a business expense. I also have a bunch of kids who need phones. To this end, every year I’ve bought the latest and greatest iPhone and one of my kids has received the cast-off. I’ve gone from the iPhone 6 to a 7 and most recently an 8. Aside from annual incremental improvements to the...
by BC_Doc
Thu Jan 25, 2018 2:19 am
Forum: Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 9656

Re: Your bond allocation when you were 48

At 48, I was 90-10.
At age 50, I realized I’d won the game (hat tip to Bill Bernstein) and quickly dialed down to 50-50.
I’m age 51 now with a few years more work in front of me (ER doc who’s not yet quite ready to throw in the towel yet).
by BC_Doc
Thu Dec 28, 2017 1:15 pm
Forum: US Chapters
Topic: My Christmas Present to You
Replies: 106
Views: 14355

Re: My Christmas Present to You

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

BC Doc
by BC_Doc
Sat Dec 16, 2017 7:38 pm
Forum: Personal Consumer Issues
Topic: 4WD necessary/recommended on Big Island, HI
Replies: 39
Views: 4645

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

No reason to rent a 4x4 on the big island. Like others said...park at the parking area by the green sand beach and either walk the rest of the way or pay a local. Even if you drive to the top of the keck observatory...no need for a 4x4. Also...if you're staying in kona and have a costco membership....
by BC_Doc
Sun Dec 10, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: detergent without non-recyclable packaging?
Replies: 28
Views: 2177

Re: detergent without non-recyclable packaging?

A google search shows all kinds of recycling for plastic laundry detergent bottles. For instance, https://www.terracycle.com/en-US/brigades/tide I know you said non-plastic, but plastic is recycle-able, isn't it? Our curbside recycling program takes them and the caps. There is a lot of waste involv...
by BC_Doc
Mon Dec 04, 2017 1:44 am
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 12280

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

I was in the transportation industry for 30 years so felt/survived a few meltdowns but both 2000 and 2008 I knew something was up the way tonnage was down and companies were further out on there receivables but not much I could do but sell equipment I wasn't using. 2008 was worse because not enough...
by BC_Doc
Sat Oct 28, 2017 10:00 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 238
Views: 48727

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

Congratulations Taylor and Mel— I look forward to adding a copy to my bookshelf! Where I live in beautiful British Columbia, I hold a Canadian ETF version of Taylor’s Three Fund Portfolio: VCN-T Vanguard FTSE Canada All Cap Equity ETF VXC-T Vanguard FTSE Global All Cap ex Canada Index Equity ETF VAB...
by BC_Doc
Sun Oct 22, 2017 8:23 pm
Forum: Non-US Investing
Topic: Canadian with $250 k (CAD) to invest. Need help with Asset Allocation.
Replies: 12
Views: 1702

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

I am curious what Bogle would recommend for someone living outside of the US and not a citizen, given his overall tepid feelings towards international investing. Jack Bogle did a live interview with the Globe and Mail several years ago. He was kind enough to answer my question about AA for an inves...
by BC_Doc
Sat Oct 21, 2017 11:17 pm
Forum: Non-US Investing
Topic: Canadian with $250 k (CAD) to invest. Need help with Asset Allocation.
Replies: 12
Views: 1702

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

I am curious what Bogle would recommend for someone living outside of the US and not a citizen, given his overall tepid feelings towards international investing. Jack Bogle did a live interview with the Globe and Mail several years ago. He was kind enough to answer my question about AA for an inves...
by BC_Doc
Thu Oct 12, 2017 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Best Career Advice for those over "50"
Replies: 60
Views: 9252

Re: Best Career Advice for those over "50"

All I can think while reading these kinds of threads is it’s too bad people are considered all washed up at such a young age. What a waste of talent and energy. I agree. I’m an ER doc. At least 1/3 of our group is 50+. I am 50. I feel like I’m in my prime. Fast, efficient, and experienced. While I’...
by BC_Doc
Mon Sep 25, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 95
Views: 8388

Re: Do you subscribe to digital newspapers?

I subscribe to the NYT online for $4.00 per month for an academic subscription (faculty rate). How come I am paying $10 a month for the faculty rate?? I’m not sure. I’m in Canada and it’s for the digital version. The price was right for me— made it even harder for me to justify paying six times the...
by BC_Doc
Mon Sep 25, 2017 12:24 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 95
Views: 8388

Re: Do you subscribe to digital newspapers?

I subscribe to the NYT online for $4.00 per month for an academic subscription (faculty rate). I recently let a digital subscription to the Globe and Mail lapse after subscribing for almost 10 years. The monthly rate was hiked from $13/month to $24/month a year or two ago. I kept the subscription be...
by BC_Doc
Sun Sep 24, 2017 11:02 pm
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 48
Views: 5551

Re: IOS 11: Anybody using it yet?

I think the most important feature is the “Do Not Disturb— Driving” function. Texts don’t come through while I’m driving, nor do telephone calls unless the phone is paired to the vehicle stereo via Blue Tooth for hands-free phone calls. I am a big, big fan of this safety feature—I am verry happy to...
by BC_Doc
Sun Sep 24, 2017 10:49 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 55
Views: 6517

Re: Thoughts on Barefoot/Minimalist Running

the debate between minimalist and maximum is never ending but you will notice that the movement of the majority of the running shoe industry is going toward maximum cushion. The reason being is because a lot of people got hurt running in vibrams and other minimalist shoes, and maximal shoes offers ...
by BC_Doc
Sun Sep 24, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 55
Views: 6517

Re: Thoughts on Barefoot/Minimalist Running

I believe changing heel lift a large amount abruptly,especially for a high mileage runner can cause pain or injury,lowering the heel lift might cause sore calf or even Achilles tendinitis,while I think raising it may cause bursitis in the rear ankle nevertheless I think a lot of us would have been ...
by BC_Doc
Sun Sep 24, 2017 1:51 am
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 48
Views: 5551

Re: IOS 11: Anybody using it yet?

I think the most important feature is the “Do Not Disturb— Driving” function. Texts don’t come through while I’m driving, nor do telephone calls unless the phone is paired to the vehicle stereo via Blue Tooth for hands-free phone calls. I am a big, big fan of this safety feature—I am verry happy to ...
by BC_Doc
Sat Sep 23, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 55
Views: 6517

Re: Thoughts on Barefoot/Minimalist Running

Blast from the past, this trend went away as quickly as it came in! No way, barefoot/minimalist runners are just in front of the curve!!! :D Of course there are still the true minimalist runners doing it, but it has essentially dropped off the radar. I remember that was all anyone would see or hear...
by BC_Doc
Sat Sep 23, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 55
Views: 6517

Re: Thoughts on Barefoot/Minimalist Running

runner3081 wrote: Sat Sep 23, 2017 4:12 pm Blast from the past, this trend went away as quickly as it came in!
No way, barefoot/minimalist runners are just in front of the curve!!! :D
by BC_Doc
Sat Sep 23, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 55
Views: 6517

Re: Thoughts on Barefoot/Minimalist Running

I’m a minimalist trail runner. I tend to mix things up with my footwear. My absolute favourite trail “shoes” are the Xero Shoe DIY Sandal which cost me about $30: https://xeroshoes.com/shop/outsoles/diy-feeltrue/ I also run in a pair of five fingers (they are falling apart). I really like them too b...
by BC_Doc
Thu Jul 13, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Hotel tipping: how much to leave?
Replies: 72
Views: 6011

Re: Hotel tipping: how much to leave?

$3-5/night as long as the room is up to snuff.
I echo what many others have said here-- the work is hard, pays poorly, and many of the workers are limited by language and life circumstances. I consider it good for karma to leave some cash behind for the cleaner.
by BC_Doc
Sun May 21, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Question for you high net worth individuals... [real estate investments]
Replies: 82
Views: 14846

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

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

RE here (British Columbia) is in nosebleed territory so no plans to add RE unless prices crashed like Phoenix/Los Vegas circa 2006 and screamed buying opportunity.
by BC_Doc
Mon May 08, 2017 2:01 am
Forum: Personal Consumer Issues
Topic: Seattle and Vancouver with kids
Replies: 19
Views: 2045

Re: Seattle and Vancouver with kids

For Vancouver, I'd say yes to staying downtown-- not too far from Stanley Park. Walk the Stanley Park sea wall-- you can easily rent bikes too. There's a great playground and outdoor pool at Second Beach. Take your kids to the aquarium (also in Stanley Park). My kids liked the science museum when th...
by BC_Doc
Mon Feb 27, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: Backpackers- weight vs utility question
Replies: 42
Views: 4019

Re: Backpackers- weight vs utility question

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

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

I am a hammock camper but I'm looking at purchasing their ultralight Triplex tent for an upcoming backpacking trip in the southwest (no trees to hang from!).
by BC_Doc
Mon Feb 27, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Backpackers- weight vs utility question
Replies: 42
Views: 4019

Re: Backpackers- weight vs utility question

Take a look at Xero shoes https://xeroshoes.com/ . I have a pair of the do-it-yourself sandals and a pair of the closed-toe mens' shoes for winter weather. Would you mind sharing your review of these? I hike in Chacos sometimes and Keen sandals sometimes. The Xero closed toe shoes look nice. How ar...
by BC_Doc
Thu Feb 16, 2017 12:29 pm
Forum: Non-US Investing
Topic: Absolute newbie, 29/f dual-citizen of Netherlands and the US
Replies: 3
Views: 734

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

Welcome to Bogleheads @gale1988, I'm originally from Boston but moved to Canada back in the early 1990s to attend graduate school (medicine). As I live in Canada, I don't have any specific advice to give you regarding investing in the Netherlands. One of the big issues now, that I imagine you're awa...
by BC_Doc
Tue Feb 14, 2017 1:59 am
Forum: Personal Investments
Topic: Who would quit playing if they already won?
Replies: 106
Views: 15271

Re: Who would quit playing if they already won?

I was aggressively invested until a few months ago-- about 85% equity since 2008/9-- and did quite well with this asset allocation. A few days after turning age 50 this November, I realized that I was pretty darn close to winning the game-- within spitting distance of the magic number I was saving f...
by BC_Doc
Sat Jan 07, 2017 4:06 am
Forum: Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 127
Views: 15719

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

85/15 until two months ago.
Turned 50 and realized I'd won the game.
Age in FI now and moving forward.
Thank you to Jack Bogle, William Bernstein, Taylor Larimore. Your writings and collective wisdom helped me reach my number and then adjust my risk accordingly.
by BC_Doc
Wed Jan 04, 2017 2:14 am
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 360
Views: 58182

Re: Whats your number to walk away?

I'm age 50 and an ER doctor living in Canada. I've pretty much hit my magic number although CPP (Canadian version of Social Security) won't pay out until I'm in my 60s. I have two kids in college, one in high school, and one in grade school. University costs way less here in Canada so helping four k...
by BC_Doc
Mon Jul 04, 2016 12:53 am
Forum: US Chapters
Topic: The Declaration of Independence
Replies: 66
Views: 10688

Re: The Declaration of Independence

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

All the best,

BC Doc
by BC_Doc
Mon Jan 25, 2016 7:12 pm
Forum: Personal Investments
Topic: I hate ETFs!!! [Lessons learned from market not going as expected]
Replies: 68
Views: 10678

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: Non-US Investing
Topic: Canadian earning in USD. Invest in Vanguard US or Canada?
Replies: 14
Views: 2378

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: 9843

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