Bogleheads.org

BC_Doc

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...

BC_Doc

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...

BC_Doc

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...

BC_Doc

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...

BC_Doc

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...

BC_Doc

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 ...

BC_Doc

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...

BC_Doc

$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...

BC_Doc

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...

BC_Doc

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...

BC_Doc

“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...

BC_Doc

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—...

BC_Doc

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...

BC_Doc

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

BC_Doc

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...

BC_Doc

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 ...

BC_Doc

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...

BC_Doc

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...

BC_Doc

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...

BC_Doc

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).

BC_Doc

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

BC Doc

BC_Doc

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....

BC_Doc

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...

BC_Doc

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...

BC_Doc

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...

BC_Doc

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...

BC_Doc

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...

BC_Doc

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’...

BC_Doc

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...

BC_Doc

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...

BC_Doc

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...

BC_Doc

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 ...

BC_Doc

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 ...

BC_Doc

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 ...

BC_Doc

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...

BC_Doc

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!!!

BC_Doc

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...

BC_Doc

$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.

BC_Doc

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.

BC_Doc

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...

BC_Doc

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!).

BC_Doc

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...

BC_Doc

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...

BC_Doc

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...

BC_Doc

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.

BC_Doc

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...

BC_Doc

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

All the best,

BC Doc

BC_Doc

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...

BC_Doc

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...

BC_Doc

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

Search found 192 matches