Search found 882 matches

by Bylo Selhi
Sat Oct 14, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 46402

Re: Quicken's future direction - a cause for concern

A hint of what lies in store (and online ;) ) for US-based Quicken users: Since Office Depot has already spilled the beans... What can be learned from their ad? Notice that the subscription is for two years not one. The prices seem like "non discounted" in comparison to what they did with Quicken 20...
by Bylo Selhi
Fri Sep 29, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 46402

Re: Quicken's future direction - a cause for concern

I would not be surprised for Quicken to eventually become a software that is cloud based with an associated monthly fee. I believe Quicken has already moved to this business model in Canada. Not exactly. They've moved to an annual subscription fee as of Quicken Canada 2017. The main concern about t...
by Bylo Selhi
Thu Sep 28, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 46402

Re: Quicken's future direction - a cause for concern

You need a new ID. It's simply a transition from the ID being used within Quicken formerly being hosted on Intuit.com, former owners of Quicken, to Quicken.com, the new owners of Quicken after it was sold. So, when they bought Quicken they didn't buy the Quicken Ids? It went fine for me, but you us...
by Bylo Selhi
Sat Sep 23, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Help me solve: Not allowed access to savings at Canadian bank
Replies: 13
Views: 1853

Re: Help me solve: Not allowed access to savings at Canadian bank

You have to believe the GTA/ GVA housing bubble is going to blow spectacularly. I have essentially no doubt that this will happen although I do not know the timing. Some weekend reading: It's a mad, mad, mad, mad market And a nit to pick ;) - lower interest rates - but there's no way to do that for...
by Bylo Selhi
Fri Sep 22, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: The money trail...import vehicle vs domestic.
Replies: 32
Views: 2215

Re: The money trail...import vehicle vs domestic.

I always thought a big part of capitalism was to buy a high enough quality product at the cheapest price. Honda and Toyota have huge factories within 100 miles of where I live that produce their most popular vehicles (Civic, RAV-4). And yet, made-in-Canada Hondas and Toyotas are substantially more ...
by Bylo Selhi
Fri Sep 22, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Help me solve: Not allowed access to savings at Canadian bank
Replies: 13
Views: 1853

Re: Help me solve: Not allowed access to savings at Canadian bank

Is this common across Canadian banks? Yes. Some banks have affiliates in the US, e.g. TD (TD Bank in NE US) and BMO (Harris Bank in Chicagoland). They may be more flexible. But of course you'd still need to get your money out of CIBC. And by the sounds of it that would require your presence at thei...
by Bylo Selhi
Sun Aug 06, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8673

Re: LED light bulbs

If your LED bulbs fail prematurely... I bought a bunch of Cree LED bulbs from Home Depot about 5 years ago when they first came out. IIRC I paid an average of about $10/bulb in those days--after $5 utility rebate. The packaging says they're guaranteed for 10 years. After 3 of them burned out I went ...
by Bylo Selhi
Sat Aug 05, 2017 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 46402

Re: Quicken's future direction - a cause for concern

I won't get into the security issues of typing banking credentials into Quicken. Those issues are real--if you really need updates in real time. If not, they're avoidable. Using their "Web Connect" feature you login to your FI's manually, then download transactions, then import them into Quicken. I...
by Bylo Selhi
Fri Aug 04, 2017 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 46402

Re: Quicken's future direction - a cause for concern

That's not much different than they do now. Their new policy (in Canada) was considerably different from their past policy. That was the reason for starting this thread, i.e. to warn US customers that this change might be coming to the US version of Q18. Each version is good for ~3 years, after whi...
by Bylo Selhi
Thu Aug 03, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 46402

Re: Quicken's future direction - a cause for concern

Just posted on Quicken's support forum : Hi all, Thank you for your continued contributions here—here's a new message from our CEO, Eric Dunn: Dear Quicken Customers, Based on your feedback, we’ve decided to make a change to the way Quicken works after your subscription membership expires. As you’ve...
by Bylo Selhi
Mon Jul 31, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 883982

Re: What Movie Have You Recently Watched?

Maudie . One of the best movies of the year. One of her paintings turned up recently at a thrift shop not far from here. It sold at a charity auction for $45,000. Not a bad investment considering her works sometimes sold "for as little as $2 and $3." Maud Lewis art found in thrift store sells for $...
by Bylo Selhi
Wed Jul 26, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign Currency Account [US resident wants bank account in Canada]
Replies: 9
Views: 812

Re: Foreign Currency Account [US resident wants bank account in Canada]

Have you tried HSBC ( Open an International Banking Account )? I don't know that they will let you open a Canadian account from the US but it's worth a phone call or two to ask. Keep in mind that most, if not all, Canadian banks require that you're a permanent resident. They usually request proof of...
by Bylo Selhi
Sat Jul 22, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Medical Coverage Outside US
Replies: 45
Views: 3398

Re: Medical Coverage Outside US

Most (all?) countries with universal healthcare, which include UK and Croatia, have reciprocity agreements with other universal healthcare countries. Not quite. Residents of most countries in Europe have reciprocal coverage. But even so, there are restrictions. See e.g. European Health Insurance Ca...
by Bylo Selhi
Tue Jul 18, 2017 7:20 am
Forum: Investing - Theory, News & General
Topic: Why the world's biggest investor backs the simplest investment
Replies: 25
Views: 3976

Re: Why the world's biggest investor backs the simplest investment

It is not the simplest investment, as evidenced by the extremely large number of investors who deviate from it. As Buffett has said, “Investing is simple, but not easy.” That applies to his own investing style but also to indexing. ----- As to who was first, ISTM that's a second order issue. Often ...
by Bylo Selhi
Mon Jul 17, 2017 8:59 pm
Forum: Investing - Theory, News & General
Topic: Why the world's biggest investor backs the simplest investment
Replies: 25
Views: 3976

Why the world's biggest investor backs the simplest investment

One of BBC's, "50 Things That Made the Modern Economy." Why the world's biggest investor backs the simplest investment In his [1974] essay Challenge To Judgment [Paul] Samuelson argued that most professional investors should quit and do something useful instead, such as plumbing. He also said that, ...
by Bylo Selhi
Mon Jul 17, 2017 6:14 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 883982

Re: What Movie Have You Recently Watched?

Gifted. A sentimental tearjerker about a young girl math prodigy who's caught in a custody battle.
by Bylo Selhi
Sun Jul 09, 2017 6:40 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 883982

Re: What Movie Have You Recently Watched?

Ricola wrote:"Gold" starring Matthew McConaughey, an American crime drama based on a true story. I think most Bogleheads will really enjoy it.
The true story is Canadian, Bre-X, and is even more incredible than the movie version. Quite a lesson there for speculators.
by Bylo Selhi
Wed Jun 28, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: Slide rule anyone?
Replies: 88
Views: 8359

Re: Slide rule anyone?

giant slide rule about 6' long and 1' wide. I assume it is a teaching tool used to demonstrate slide rule usage from the front of the class during lectures Yes. We had one at my high school as well. No one has the slightest idea how to use it though. All of us grew up in the era of TI-30 series cal...
by Bylo Selhi
Mon Jun 26, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Slide rule anyone?
Replies: 88
Views: 8359

Re: Slide rule anyone?

My 1972 VersaLog is right here on the desk with me at this moment, and the leather case and original book are within arm's reach. As is my 6" pocket version circa 1968. Incidentally the manufacturer was the Japanese company Sun Hemmi which dates back to 1895. Their slides rules were sold in the US ...
by Bylo Selhi
Thu Jun 01, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 79
Views: 7324

Re: Cell phone service abroad

Many have mentioned the use of local SIM cards. Have used SIM cards many times and a good option. One concern is hacking. Buying a sim from an unknown company, may increase the risks of malware, in the SIM card , infecting the phone. A cursory Google search shows that while this may be theoreticall...
by Bylo Selhi
Tue May 30, 2017 5:53 am
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 79
Views: 7324

Re: Cell phone service abroad

kramer wrote:Here is a good pre-paid Wiki link for New Zealand:

http://prepaid-data-sim-card.wikia.com/wiki/New_Zealand
That page covers NZ, however the site provides global coverage. It's my go-to when travelling overseas.
by Bylo Selhi
Mon May 29, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 79
Views: 7324

Re: Cell phone service abroad

There is nothing magical about an iPhone. It is an example of a phone that supports the correct bands. There are many others. You just have to do some research before you go. The best place to do that research: Will My Phone Work? This site is useful to determine if your existing phone will work or...
by Bylo Selhi
Fri May 19, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 9628

Re: Which Small SUV for 15 Year Reliability?

Everyone on this board who says todays tech is a MUST HAVE Who are those people? but seatbelts where not Who has claimed otherwise? We will all have to agree to disagree. Finally something we can agree on People are welcome to live life in constant fear. I choose not too. Again, who are those peopl...
by Bylo Selhi
Fri May 19, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 9628

Re: Which Small SUV for 15 Year Reliability?

Most of it comes down to a safe operator behind the wheel, obeying the speed limit, driving at a safe speed and distance from other vehicles as conditions dictate, and avoiding any distractions. We actually have a new 2017 filled with all the bells, whistles, and gizmos - all of which are very dist...
by Bylo Selhi
Fri May 19, 2017 7:06 am
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 9628

Re: Which Small SUV for 15 Year Reliability?

What I was questioning is why do all these members suddenly think their car will be obsolete overnight because it doesn't have lane keep assist, yet they do not sound like that were equally adamant in 1989 that their car would be obsolete the next year when rear shoulder belts became mandatory, and...
by Bylo Selhi
Thu May 18, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 9628

Re: Which Small SUV for 15 Year Reliability?

Why are cars obsolete in just a few years all of a sudden?... Because of the technology. The "infotainment" (your "whiz bang features by marketing departments") stuff I can live without. But the safety-related stuff I may not be able to live without, both figuratively and litera...
by Bylo Selhi
Thu May 18, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 9628

Re: Which Small SUV for 15 Year Reliability?

I would like to buy a new 2017 or 2018 small SUV, and keep it until the year 2030 and beyond. I think you'd be fine with all four models you listed. As with investing, the challenge is to know now what the reliability record will be in the ensuing years. Even makes/models that have great records so...
by Bylo Selhi
Tue May 16, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 7642

Re: The recent WannaCry ransomware

Automated offsite backups with versioning (I use Crashplan) is really key to recovering from this kind of problem. ISTM the key to recovering from these sorts of situations (virus infections, ransomware, etc.) is to prevent them from happening in the first place, i.e. by practicising safe surfing/e...
by Bylo Selhi
Mon May 15, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 7642

Re: The recent WannaCry ransomware

Isn't it possible for viruses/ransomware to sit dormant in your files (including offline backups) such that if you are hit with an attack and then try to restore your files, you have restored the attack? I suppose it's possible, however, I'm not aware that it's ever happened. I guess the solution i...
by Bylo Selhi
Mon May 15, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 7642

Re: The recent WannaCry ransomware

Some general advice about this ransomware that I got by e-mail from an accounting firm [lightly edited]: Protection from Latest Ransomware Attack A series of cyber attacks across the globe have seized control of public and private sector computer systems, freezing data until a ransom is paid. While ...
by Bylo Selhi
Mon May 15, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 535
Views: 208589

Re: TV show recommendations?

Rake is an Australian series that stars Richard Roxburgh... This is also one of my favorite TV shows. It's sort of like a legal version of House, although decidedly wackier. There's some uncertainty as to whether there will be a fourth season. I certainly hope so. Actually there was a 4th season th...
by Bylo Selhi
Mon May 01, 2017 7:40 am
Forum: Personal Consumer Issues
Topic: Wrist based heart rate monitors
Replies: 35
Views: 2674

Re: Wrist based heart rate monitors

My DW has a Fitbit Charge HR which has a pretty OLED display, but does not connect with the treadmills at the gym. I use a Polar Bluetooth H7 which does connect with treadmills and works very well, however the H7 is on a chest strap which is not as easy to put on as the wrist monitor. The H7 also c...
by Bylo Selhi
Sun Apr 30, 2017 8:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Go Inside Jack's Office
Replies: 21
Views: 3046

Re: Go Inside Jack's Office

Here's another Investopedia video by Jack Bogle: Vanguard's John Bogle on Starting the First Index Fund.
by Bylo Selhi
Sun Apr 30, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: Ken Moraif must be getting nervous
Replies: 41
Views: 10323

Re: Ken Moraif must be getting nervous

but more disappointed the financial media still uses him as an interview without mentioning his 2016 prediction. The financial "media" would cease to exist without an ample supply of "experts" making "predictions" that offer "advice" to their readers. They've...
by Bylo Selhi
Sat Apr 08, 2017 1:48 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 145
Views: 19441

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

As someone who has previously attended and appreciates the advanced email, can I offer another suggestion that I think addresses the issues that occurred this year. For those that have previously attended and might want to come as a group, i.e. some pesky Canadians, this allows some co-ordination o...
by Bylo Selhi
Thu Apr 06, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: QR Code/Bar Code Readers?
Replies: 10
Views: 701

Re: QR Code/Bar Code Readers?

It seems the free ones all have ads (or who knows what else) embedded in them, so I presume it's worth a few bucks to buy one that is ad-free. For an android phone, any recommendations of a particular reader? There's no need to do that. Google has announced that their Chrome browser now has (iOS) o...
by Bylo Selhi
Sun Apr 02, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 46402

Re: Quicken's future direction - a cause for concern

LadyGeek wrote:Could this be implemented as an extension or Python script?

I have no idea. But it should be a trivial enhancement to the base product since it's simply an ACB adjustment with no change in the number of shares.
by Bylo Selhi
Sun Apr 02, 2017 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 46402

Re: Quicken's future direction - a cause for concern

The software isn't perfect and has a few quirks (like not being able to sort the sidebar account order, a very minor nit). That being said, I felt confident that Moneydance could replace Quicken and purchased the license key. Do you have need to record Return of Capital transactions? It seems Money...
by Bylo Selhi
Mon Mar 13, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 46402

Re: Quicken's future direction - a cause for concern

It was bought by a private equity company. It was not to fill a place in their product line. It was solely to make money. If Quicken doesn't perform and goes under, they most likely are not going to throw money at a final release to make customers happy. As a result of this, and especially the chan...
by Bylo Selhi
Mon Mar 13, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 46402

Re: Quicken's future direction - a cause for concern

Is there any proof that Quicken is going to go this route within the U.S. for 2018? There's nothing official. But then Quicken has never announced such changes in advance including the transition to 3-year sunset. And in Canada they didn't announce the change to annual subscription in 2017 until th...
by Bylo Selhi
Fri Mar 10, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 883982

Re: What Movie Have You Recently Watched?

gaspony wrote:Temple Grandin

Stars Claire Danes in the title role. She's also the Golden Globe/Emmy-winning star of Homeland where she plays a CIA agent with bipolar disorder. Amazing actress.
by Bylo Selhi
Tue Mar 07, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 46402

Re: Quicken's future direction - a cause for concern

Over the past day or so Quicken has been embarrassing themselves with this issue: "Uh-oh, something went wrong" or server error in Quicken or Quicken Mobile Users are continuing to report issues when attempting to log in to Quicken.com, register, or update transactions with Quicken. Appare...
by Bylo Selhi
Mon Mar 06, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 7006

Re: Camry Redesign

As a matter of personal preference, I'd wait until at least the second year of a new generation--can you wait until the 2019 Camry comes out? The first model year of a car after a major redesign will likely have the most issues of all model years of a generation (due to the redesign) which will be ...
by Bylo Selhi
Sat Mar 04, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 883982

Re: What Movie Have You Recently Watched?

Nicolas wrote:A laughable waste of time.

Brad Pitt cast as an RCAF intelligence officer from Québec working with the French resistance? 'Nuff said. You've been warned. :oops:
by Bylo Selhi
Thu Mar 02, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 155
Views: 24913

Re: The Wall Street Journal to close Google loophole entirely

mrc wrote:There must be a way to offer something between $0 and $278/year.

I suggested a business model that would accomplish that upthread. But it's up to the industry to adopt it.
by Bylo Selhi
Wed Mar 01, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 155
Views: 24913

Re: The Wall Street Journal to close Google loophole entirely

Do you steal newspapers from lawns?... If you don't pay for a valuable resource that has a cost to it and charges for it, you are a cheater. Yet if I read papers at my local public library or coffee shop that's not considered theft or cheating. Nor is it if I share a copy of the local paper with my...
by Bylo Selhi
Fri Feb 24, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 46402

Re: Quicken's future direction - a cause for concern

One of the subtleties buried in the change to subscription model in Canada is that "Quicken Canada is only available for purchase on Quicken.com." So at least for us, there's no longer an opportunity to get a substantial discount at Amazon or Staples. So, they increase revenue by not only...
by Bylo Selhi
Fri Feb 24, 2017 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 46402

Re: Quicken's future direction - a cause for concern

I have found the product for about $30 less on Amazon, so I have some time to decide, but will likely pull the trigger. One of the subtleties buried in the change to subscription model in Canada is that " Quicken Canada is only available for purchase on Quicken.com ." So at least for us, ...
by Bylo Selhi
Thu Feb 23, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 155
Views: 24913

Re: The Wall Street Journal to close Google loophole entirely

misterno wrote:Look at this link

https://www.wsj.com/articles/only-a-mar ... 1487851203

The trick described in this thread is no longer working

Works fine for me on Chrome and Win10.
by Bylo Selhi
Wed Feb 22, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 46402

Re: Re:

The biggest fear I still have is that this new model will push an otherwise declining user base so low that they won't have critical mass anymore. That is a concern. It happened with Microsoft Money. At least with Money, Microsoft offered a final release for free so that people who had all their da...