Search found 651 matches

by 6miths
Thu Aug 11, 2016 3:32 pm
Forum: Personal Consumer Issues
Topic: How to address a college professor with a PhD (Dr. or Prof.)
Replies: 60
Views: 4065

Re: How to address a college professor with a PhD (Dr. or Prof.)

Teague wrote:I'd love to see the reaction that gets from the last surgeon that worked on me - H.R.H. Lord High Surgeon of the Gods, descended from Hippocrates himself, Dr. Wonderful. ;)
That would be Mr. Wonderful if he was a surgeon trained in the British system.
by 6miths
Wed Aug 10, 2016 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: College major...medical
Replies: 26
Views: 2966

Re: College major...medical

He's a junior in high school (barely 16) and he is already feeling pressure to choose a profession? I didn't formally make a decision to be a doc until I was a junior. In college. At almost 23. I would advise against choosing a career this early. Let him enjoy being in high school. Encourage him to...
by 6miths
Sun Aug 07, 2016 8:11 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2854
Views: 894574

Re: What Book Are You Currently Reading? Part VI

Just finished listening to 'Napoleon: A Life" by Andrew Roberts and reading 'World Order' by Henry Kissinger. Both pretty good.
by 6miths
Sun Aug 07, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Should I lease a Tesla?
Replies: 148
Views: 14132

Re: Should I lease a Tesla?

One of my MD colleagues (orthopaedic surgeon) bought a Tesla a few years out of residency. Beautiful car and he was clearly loving it but it was never something I could bring myself to do despite having better numbers than he is likely to have for quite a long time (if ever). Too each their own thou...
by 6miths
Thu Aug 04, 2016 8:27 am
Forum: Personal Consumer Issues
Topic: closet organizing system
Replies: 43
Views: 6850

Re: closet organizing system

I went the IKEA route with modifications such as birch shelves to tie the drawer units together. It was one of the wire basket systems which I like very much as I can see what each drawer has in it easily. Very fliexible and functional but not as aesthetically pleasing as California closets or a fin...
by 6miths
Sun Jul 31, 2016 8:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3358
Views: 963515

Re: What Movie Have You Recently Watched?

Star Trek Beyond. DW and I enjoyed it as did two of our teens who attended. Much more enjoyable than the latest Star Wars IMHO. The original purpose of the series-- about science, exploration, human drama on the frontiers of the universe, has been lost. It has fallen into the formula of "oops, time...
by 6miths
Thu Jul 28, 2016 11:03 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3358
Views: 963515

Re: What Movie Have You Recently Watched?

Star Trek Beyond. DW and I enjoyed it as did two of our teens who attended. Much more enjoyable than the latest Star Wars IMHO.
by 6miths
Thu Jul 28, 2016 10:47 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 4432

Re: Canada vacation

I would definitely plan to drive around the Golden Horseshoe (the west end of Lake Ontario) to return via Niagara Falls. How old are the children in the group? Their ages would guide my activities in the Toronto area. Mention was made of staying off Highway 407. While the tolls are ridiculous (even ...
by 6miths
Mon Jul 25, 2016 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 18774

Re: Early retirees, how much did you leave on the table?

A fair bit. Retired at almost 53 from a profession that seems to work past usual retirement age. Had been in peak earning for the previous 10 years, which of course allowed me the luxury of retiring. At the savings rate I had for the 10 years prior to retirement, with no investment returns added, se...
by 6miths
Mon Jul 11, 2016 7:22 pm
Forum: Personal Consumer Issues
Topic: AT&T cell usage in Canada
Replies: 26
Views: 2371

Re: AT&T cell usage in Canada

We were also in the same boat last month, and following the advice given at Howardforums ( http://www.howardforums.com/showthread.php/1879793-Canada-Roaming-Bonus ), I called up 611 and asked to be transferred to retention. Told the person I am thinking of switching, since T-Mobile has free roaming...
by 6miths
Thu Jun 30, 2016 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 30656

Re: Where were you financially when you were at 30?

1991

Single
Renting bachelor apartment
4 year old car - paid for
Retirement accounts maxed but quite modest
Savings - minimal
Education loans paid
No consumer debt
Income about 45k (4th year of residency with 1 to go then 3 years of fellowship ahead and then a pay raise)
by 6miths
Wed Jun 08, 2016 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 613
Views: 96944

Re: High Earners - What's Your Profession?

Around here law enforcement seems to be doing pretty well too. Saw a stat that 80% of regular constables make more than 100K per year not including very nice benefit packages.
by 6miths
Tue May 24, 2016 12:26 am
Forum: Personal Consumer Issues
Topic: WW2 Books & Education
Replies: 91
Views: 4859

Re: WW2 Books & Education

Another vote for the BBC's 'World at War' series. I watched this in first release as a child with my father. It was very well done. I bought the series on DVD and have watched it with all of my children. A very good overview in AV format. The sacrifices of the Russian people were truly staggering. I...
by 6miths
Fri May 20, 2016 11:38 am
Forum: Personal Finance (Not Investing)
Topic: New Attending Starting Out - Rent vs. Buy in HCOL area
Replies: 17
Views: 2140

Re: New Attending Starting Out - Rent vs. Buy in HCOL area

I'm in with the Rent crowd. Flexibility is very, very valuable.
by 6miths
Fri May 20, 2016 11:30 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 206
Views: 26653

Re: Is there a such thing as a blue collar Boglehead?

Definitely! It's a way of thinking not a number
by 6miths
Fri May 20, 2016 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Ready to retire - what to do with portfolio
Replies: 13
Views: 1386

Re: Ready to retire - what to do with portfolio

1. I will have about 70% of my income when I retire from my pension, social security... 2. Is there some way to simplify this? Sorry in reading through your post I couldn't see what your 'pension' was. It might be helpful to know your SS entitlement as well. I may have missed your comment on your p...
by 6miths
Fri May 20, 2016 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 280
Views: 52755

Re: Physician Retirement Savings

Thank you all for the very interesting thread with several different thought provoking discussion within it. I was thinking that the OP might find the Boglehead networth surveys interesting although not all MDs self-identify if I recall correctly. The paths of how one got to where one is are so vari...
by 6miths
Tue May 10, 2016 9:27 pm
Forum: Personal Consumer Issues
Topic: Buying a house for an adult child (child adult?)
Replies: 94
Views: 10132

Re: Buying a house for an adult child (child adult?)

Agree with the OP and the 'No' camp. I would be very uncomfortable doing this both in terms of my and DWs security as well as for the long term negative consequences for my DS and his family as well as our relationships. People have voiced concern about the negative impact on relationships with DW a...
by 6miths
Tue May 03, 2016 10:21 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 16578

Re: Sci-Fi ... your favorite movies and episodes??

cheese_breath wrote:
6miths wrote:
GoldenFinch wrote:
Toons wrote:Movie-Santa Claus Conquers The Martians
:happy
Is this really a movie? :D
Yes voted one of the worst of all time but to each there own. I remember seeing it in the theatre.
So that's high class in Leafs country, eh? :P
No even as a kid I thought that it was seriously bad!
by 6miths
Tue May 03, 2016 10:11 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 16578

Re: Sci-Fi ... your favorite movies and episodes??

GoldenFinch wrote:
Toons wrote:Movie-Santa Claus Conquers The Martians
:happy
Is this really a movie? :D
Yes voted one of the worst of all time but to each there own. I remember seeing it in the theatre.
by 6miths
Tue May 03, 2016 8:48 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 16578

Re: Sci-Fi ... your favorite movies and episodes??

I've seen things you people wouldn't believe. Attack ships on fire off the shoulder of Orion. I watched C-beams glitter in the dark near the Tannhäuser Gate. All those moments will be lost in time, like tears...in...rain. Time to die. I actually have this on a PowerPoint slide. So yes, one of my fa...
by 6miths
Wed Apr 27, 2016 10:20 pm
Forum: Investing - Theory, News & General
Topic: Why not ETFs?
Replies: 57
Views: 5626

Re: Why not ETFs?

In Canada it's easy. No mutual funds come close to ETFs on cost.
by 6miths
Wed Apr 27, 2016 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Are females just not interested in investing in general or is it just the women that I date?
Replies: 89
Views: 12049

Re: Are females just not interested in investing in general or is it just the women that I date?

you had your answer at "im 26". the majority of ppl need more time to mature. this forum is not filled with those people however. +1 I'm sure that even most of the BH crowd wasn't interested in discussing investing when they were in their early to mid-20s. I sure wasn't. The fact that I had no mone...
by 6miths
Sun Apr 17, 2016 6:52 pm
Forum: Personal Consumer Issues
Topic: Buying the most expensive house on the street?
Replies: 34
Views: 5855

Re: Buying the most expensive house on the street?

Agree with others. The house in the less upscale neighbourhood doesn't sound like it really is anomalously large and the neighbourhood sounds more vibrant. It was a point of discussion in one or two of the Millionaire Next Door series that you are much better off in the long term to not buy into the...
by 6miths
Sun Apr 17, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 240
Views: 28817

Re: Soapbox (car safety features)

Personally can't wait for totally autonomous cars. Should arrive just in time for me. I find some of the features great others not so much but generally things are moving in the right direction and cars are increasingly safer. That said, I almost always have LDW turned off. I like the various proxim...
by 6miths
Tue Mar 29, 2016 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Clothing budget for DVM's, MD's, and other kinds of Medical Professionals
Replies: 38
Views: 4086

Re: Clothing budget for DVM's, MD's, and other kinds of Medical Professionals

MD. High risk obstetrics/MFM (retired) I wore scrubs. Then they know that I am a surgeon and may have to run off to save someone's life at any moment. Very impressive... When I was in my hospital based clinic I wore... scrubs. When I was in our private clinic I wore... wait for it... scrubs. I wasn'...
by 6miths
Sun Mar 27, 2016 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to ask for a duplicate credit card?
Replies: 10
Views: 1033

Re: Possible to ask for a duplicate credit card?

The advent of chip and pin cards ended this for me. I used to like to have two copies but with chip and pin they will deactivate the card and send a new one which has a new number and new chip. They have told me that one cannot have two unique chip and pin cards with the same number. When the cards ...
by 6miths
Sun Mar 20, 2016 10:25 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 5870

Re: Want to buy 2014 Acura TSX - turned in lease

The ILX is not nearly the ride IMHO.
by 6miths
Sun Mar 20, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 5870

Re: Want to buy 2014 Acura TSX - turned in lease

Having said that, looking at the sales of the TSX in the US it looks like only 6300 were sold in 2014 down from 17500 in 2013 and a peak of 38000 in 2006 and around 30000 in most model years. I am assuming that 'sales' include leased vehicles in the statistics. So maybe there will be less available ...
by 6miths
Sun Mar 20, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 5870

Re: Want to buy 2014 Acura TSX - turned in lease

I had the '04 TSX and loved it. I passed it over to my mother a few years ago and she loves it. It has never had any major service issues in its 200k mile life and has always been great fun to drive. I would agree with the sentiment here that the dealer is just trying to get you to buy now when they...
by 6miths
Sun Mar 20, 2016 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 97
Views: 14339

Re: Early Retirees - What triggered you to retire?

Several reasons. 1) Had some good role models to demonstrate to me that one could thrive without paid work. Father downsized from finance in his early 50s and enjoyed life immensely afterwards. A close older friend who retired from law enforcement at 52 and has had an amazing retirement. 2) Struggle...
by 6miths
Sat Mar 19, 2016 5:56 pm
Forum: Personal Consumer Issues
Topic: Dishwasher recommendation.
Replies: 44
Views: 4758

Re: Dishwasher recommendation.

Bosch :thumbsup http://www.lowes.com/pd_498135-39047-SHX68T55UC_1z11pl1__?productId=4776487&pl=1&Ntt=bosch+dishwashers We got this one. Replaced our old Bosch which we had been very happy with. I was lucky to get it off Kijiji for less than half retail sale price from someone who had won it at a Ho...
by 6miths
Thu Mar 10, 2016 1:17 pm
Forum: Personal Consumer Issues
Topic: Talk to parent's doctor?
Replies: 9
Views: 1186

Re: Talk to parent's doctor?

This may not be a workable option if your elderly father isn't very tech savvy, but my partner and her sister bought their father an ipad so that they could facetime with him and the doctor during his appointments, so that they could hear what was being said, and ask any questions. This sounds good...
by 6miths
Thu Mar 10, 2016 1:15 pm
Forum: Personal Consumer Issues
Topic: Talk to parent's doctor?
Replies: 9
Views: 1186

Re: Talk to parent's doctor?

I usually go in with my mother if I have questions or just to see what is happening but sounds like you are not in a position to do that. Depending on your father's condition you might be able to conference call with the MD if they agree to it. Getting a medical power of attorney while your father c...
by 6miths
Wed Mar 09, 2016 5:56 pm
Forum: Personal Consumer Issues
Topic: Cities good for living abroad?
Replies: 113
Views: 15347

Re: Cities good for living abroad?

I've been to all of these except Auckland and Sydney and I will make it to those. I think this is a great list. I would add London, Amsterdam, Hong Kong, Singapore and Capetown all of which I love and would go back to in a heartbeat for extended stays. I also enjoyed Kyiv and hope to get to Prague ...
by 6miths
Wed Mar 09, 2016 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for physician asking for a raise
Replies: 47
Views: 6544

Re: Advice for physician asking for a raise

Start looking for another job. The best way to get a big raise is to say I'm leaving unless you give me a big raise and mean it. This is what I was angling at. Need to have teeth in the 'or else' statement. And the other side of the coin as was pointed out was how replaceable are you and also how d...
by 6miths
Wed Mar 09, 2016 2:20 pm
Forum: Investing - Theory, News & General
Topic: Interview with CBS radio on DOL fiduciary rule
Replies: 23
Views: 2449

Re: Interview with CBS radio on DOL fiduciary rule

I know where we can get all kinds of tar at really low cost!
by 6miths
Wed Mar 09, 2016 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for physician asking for a raise
Replies: 47
Views: 6544

Re: Advice for physician asking for a raise

Do you have a way to walk away if they refuse. Sounds like you are relatively underpaid. Have seen many MDs accept far less than they generate. It can go many different ways. One thing is for sure, if you don't ask they are unlikely to call you in and say, 'hey, take this money you earned it!'
by 6miths
Wed Mar 09, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do most of you plan to retire "full-time"?
Replies: 126
Views: 13769

Re: Do most of you plan to retire "full-time"?

I consider myself retired full-time. I still do some fun stuff that they pay me a bit for but I would definitely do it for free and did in the past. It's just a bonus and keeps my mind engaged and makes me feel like I'm still contributing.
by 6miths
Wed Mar 09, 2016 2:00 pm
Forum: Personal Consumer Issues
Topic: Cities good for living abroad?
Replies: 113
Views: 15347

Re: Cities good for living abroad?

One newspaper's opinion... http://www.telegraph.co.uk/travel/galleries/The-worlds-most-liveable-cities/ I've been to all of these except Auckland and Sydney and I will make it to those. I think this is a great list. I would add London, Amsterdam, Hong Kong, Singapore and Capetown all of which I lov...
by 6miths
Wed Mar 09, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: What are you frugal with, what are you not, but still buy?
Replies: 53
Views: 6110

Re: What are you frugal with, what are you not but still buy?

Never buy at full retail price. Still frugal on cars. Driving Hondas even though I would love a Tesla and can afford one. Only thing that comes to mind that I'm not that frugal on anymore is travel for family vacations though that said would never fly business class and would rather drive than fly i...
by 6miths
Tue Jan 19, 2016 8:15 pm
Forum: Personal Consumer Issues
Topic: What online Email do you use
Replies: 59
Views: 6877

Re: What online Email do you use

Hotmail now very rarely. Yahoo and gmail regularly. University e-mail once in a while.
by 6miths
Tue Jan 19, 2016 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do retirees care about their credit score?
Replies: 35
Views: 3102

Re: Do retirees care about their credit score?

To be honest, I've never cared about my credit rating or known what it was. Always paid every bill on time, credit card(s) in full by due date, etc.

I continue not to care about it in retirement.
by 6miths
Fri Jan 15, 2016 1:03 pm
Forum: Investing - Theory, News & General
Topic: 2015 Callan Periodic Table of Investment Returns
Replies: 26
Views: 4192

Re: 2015 Callan Periodic Table of Investment Returns

I love this table! Thank you for posting.
by 6miths
Fri Jan 15, 2016 12:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1265432

Re: U.S. stocks in freefall

...I think the days of stable markets are over and volatility will rule thanks to hedge funds and traders. Times change so we have to change with it... When were those "days of stable markets?" I don't remember any "days of stable markets." When was this golden age? 2008-2009? The "dot-bomb" era of...
by 6miths
Fri Jan 15, 2016 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Costco Card Replacement Offers
Replies: 30
Views: 4790

Re: Amex Costco Card Replacement Offers

I just cancelled my Amex when the transition to MasterCard happened in Canada. I had considered going to one of their premium travel cards with airport lounge access but the cost went up and the features went down so I passed.
by 6miths
Fri Jan 08, 2016 6:55 pm
Forum: Investing - Theory, News & General
Topic: The S&P 500 had a great year for foreign investors.
Replies: 20
Views: 3352

Re: The S&P 500 had a great year for foreign investors.

Yes has been a very good year to be a Canadian without a home bias and who doesn't hedge currencies. The question becomes though when do you 'rebalance' back into one's home currency. I got lucky and gambited a big chunk of change when the dollar was at 1.05, now close to 0.70 it is probably reasona...
by 6miths
Thu Dec 31, 2015 1:02 am
Forum: Personal Consumer Issues
Topic: Who Reads the Comics?
Replies: 44
Views: 3011

Re: Who Reads the Comics?

Dilbert

Doonesbury

Bloom County again.



Still reread Farside now and then. And often include Farside's in presentations.



Image
by 6miths
Fri Nov 27, 2015 11:33 am
Forum: Personal Consumer Issues
Topic: Costco and Amex Cards - got Blue Amex
Replies: 23
Views: 4074

Re: Costco and Amex Cards - got Blue Amex

In Canada, Costco ended it's relationship with Amex at the end of last year and switched to MasterCard as the provider of Costco credit cards through Capital One. The transition seemed pretty straight-forward. Costco Canada will accept any brand of MasterCard but as I didn't have a MasterCard prior...