Search found 664 matches

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: 6774

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: 14025

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: 16013

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: 6252

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: 7093

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: 3173

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: 4250

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: 6639
Views: 1435228

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: 4880

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: 3400

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: 3086

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: 4102

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...
by 6miths
Sat Nov 21, 2015 10:54 am
Forum: Personal Consumer Issues
Topic: Costco and Amex Cards - got Blue Amex
Replies: 23
Views: 4102

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 ...
by 6miths
Fri Aug 28, 2015 5:54 pm
Forum: Personal Consumer Issues
Topic: Lawn Mower Repair
Replies: 38
Views: 3505

Re: Lawn Mower Repair

after 2 seasons my new mower got gunked up becasuse i was using regular gas. $80 repair bill later, i only use ethanol free gas now for my mower and other small gasoline engines. i found a station close to home using this website. good luck. http://pure-gas.org/ I use no ethanol premium for all my ...
by 6miths
Fri Aug 28, 2015 4:43 pm
Forum: Investing - Theory, News & General
Topic: Does John Bogle respond to autograph requests
Replies: 2
Views: 771

Re: Does John Bogle respond to autograph requests

Maybe ask someone who is going to the Bogleheads' Reunion in October to get it for you. I'm not going this year but I have always been impressed with Mr Bogle's stamina and friendliness when signing books and things at the conference. My impression is that if the envelope actually got to him that he...
by 6miths
Thu Aug 27, 2015 4:00 pm
Forum: Personal Consumer Issues
Topic: Worst financial book you have read (or will admit you have read)
Replies: 94
Views: 14955

Re: Worst financial book you have read (or will admit you have read)

Ok so I had originally voted for 'Rich Dad, Poor Dad' but I think I have to ask for a do over... I have been listening to 'The Don't Sweat Guide to Your Finances' while I mow the grass and this is a truly terrible and potentially dangerous book. It's as if this book were written by a bank or a pay d...
by 6miths
Sun Aug 16, 2015 10:10 pm
Forum: Investing - Theory, News & General
Topic: Are we headed into a difficult period? [Telegraph "Doomsday" article]
Replies: 25
Views: 3945

Re: How Do You Ignore Headlines Like This?

Doomsday criers are nothing new. HERE is a reprint of the Business Week article about the Death Of Equities from 1979. Thanks for posting this. Always a fun read. Those old people are so smart! I really liked this quote from the article, "For investors, however, low stock prices remain a disincenti...
by 6miths
Sun Aug 16, 2015 11:58 am
Forum: Personal Consumer Issues
Topic: Home Security Outdoor Camera
Replies: 16
Views: 2496

Re: Home Security Outdoor Camera

I don't know much about these cameras but Costco sells them in-store in setups of 2, 4 and 8 last I checked. Usually mated with a DVR and monitor. Actually just checked the website and they have a wide variety of gear.
by 6miths
Fri Jul 10, 2015 8:53 am
Forum: Investing - Theory, News & General
Topic: John Bogle vs. the Bogleheads
Replies: 49
Views: 5051

Re: John Bogle vs. the Bogleheads

I recall Mr Bogle saying that it was reasonable to have an international equity holding at the Bogleheads conference a couple of years ago. I took that as permission. ;)
by 6miths
Mon Jul 06, 2015 9:58 pm
Forum: Personal Consumer Issues
Topic: Worst financial book you have read (or will admit you have read)
Replies: 94
Views: 14955

Re: Worst financial book you have read (or will admit you have read)

gatorking wrote:The worst "financial" book I read has to be Rich Dad, Poor Dad by Robert Kiyasaki.
Yes I, like many, would go with this one. Read it in the bookstore coffee shop so not out of pocket but I am never getting that time back!
by 6miths
Mon Jun 29, 2015 11:34 pm
Forum: Personal Consumer Issues
Topic: MacBook Pro Worth the money?
Replies: 79
Views: 15926

Re: MacBook Pro Worth the money?

I agree with this last sentiment. Spent years and years with Compaqs, ThinkPads and finally Dell laptops before buying my first MacBook 8 years ago. The family now has 4 MacBook Pros and one Air. One son is using an HP laptop. The oldest Mac is still serviceable and looks like new while my son goes ...
by 6miths
Mon Jun 29, 2015 8:21 pm
Forum: Personal Consumer Issues
Topic: New tires - where to buy, how to get a good deal?
Replies: 50
Views: 41542

Re: New tires - where to buy, how to get a good deal?

Pretty hard to beat Costco. They do have good road hazard coverage which is getting hard to come by in my area. Main downside to Costco is that it is getting so popular that it is so busy during the periods that snows go on and come off that it can be hard to get them done.
by 6miths
Mon Jun 29, 2015 1:42 pm
Forum: Personal Consumer Issues
Topic: Updated - Propane Oven Makes Me Sick - Repair or Buy New?
Replies: 35
Views: 3411

Re: Propane Oven Makes Me Sick

Definitely agree that something is amiss. Having lived in dwellings with both NG and propane cooktops and ovens with a large family we have never had anyone have an issue with either type of fuel. Concur with cjking's observation that there is a tendency to have 'dual fuel' appliances or separate co...
by 6miths
Sun Jun 28, 2015 7:14 pm
Forum: Personal Consumer Issues
Topic: Under the sink reverse osmosis water filter recommendations?
Replies: 20
Views: 4503

Re: Under the sink reverse osmosis water filter recommendations?

Interested to see others thoughts on water filters generally and RO units specifically. Cautions about removing fluoride from the water should be considered, especially if there are children drinking the water. Unless addressing specific issues, it strikes me that the home water filter/treatment mov...
by 6miths
Sat Jun 27, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 9563

Re: Squirrel nemesis

Downside of cats is that they kill birds. Estimated at almost 4 billion a year in the US per year. And the leading cause of bird mortality. My dog will chase my various resident squirrels (red, gray and black) but usually just results in lawn damage at the base of the various trees as the dog screec...
by 6miths
Sat Jun 27, 2015 10:32 am
Forum: Forum Issues and Administration
Topic: Can we put up to vote if forum members want to see topics that are financial but related to politics
Replies: 22
Views: 3357

Re: Can we put up to vote if forum members want to see topics that are financial but related to politics

I must say that I would vote no. I find this board useful largely because people focus on discussions related to finance, retirement, etc without discussions degenerating into speculation, disinformation and ultimately name calling. I think it is unfortunate that some topics that have such huge impl...
by 6miths
Wed Jun 24, 2015 11:08 pm
Forum: Personal Consumer Issues
Topic: [Traveling to] Hong Kong, activities that won't break the bank?
Replies: 21
Views: 2807

Re: [Traveling to] Hong Kong, activities that won't break the bank?

Absolutely love HK. Just walked and walked and walked to take in all of the atmosphere. The double decker buses are fun. Sit top front on the ride to Stanley market - like an amusement park ride! Great to see the sites too.
by 6miths
Sun Jun 14, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: iPhone 6 or 6 plus for light business travel?
Replies: 27
Views: 3667

Re: iPhone 6 or 6 plus for light business travel?

I went from BlackBerry to 6 Plus on retirement and think the 6P is great for travel. Biggest transition was not having push e-mail but since not working much anymore, not a huge issue. 6P is great for web access and I find the size not too bad even though it is giant compared to a Blackberry. Easily...
by 6miths
Wed May 06, 2015 8:02 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 18671

Re: Will you buy self-driving car?

Count me in. Not the first one. A buddy was showing off his Tesla the other day and it has many self-driving features and is obviously just a software upgrade from being autonomous. I'll let them get the bugs worked out but eventually I think they will be great. The biggest threat on the road will c...
by 6miths
Sun Apr 26, 2015 10:08 pm
Forum: Personal Consumer Issues
Topic: Cost to replace a side view mirror
Replies: 22
Views: 50989

Re: Cost to replace a side view mirror

I knocked the side mirror off as I was backing our of our garage :oops: , and the dealer wanted $850 to replace it. We located one at a junkyard, took it to an auto repair shop, they painted it to match and installed it. Total cost, including mirror was less than $200. I guess it depends how much y...
by 6miths
Mon Apr 13, 2015 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 18020

Re: Household Gross Income Poll

I retired from the big job in May so I light year but DW was still working so I put down 2014's total.
by 6miths
Thu Apr 09, 2015 10:32 am
Forum: Personal Consumer Issues
Topic: Should I buy extended warranty for our new Toyota Sienna
Replies: 50
Views: 23266

Re: Should I buy extended warranty for our new Toyota Sienna

A little OT but a family member works for Electrolux and he said the profit margins are narrow on all their brands, Frigidaire, Electrolux. They make most of their profit on extended warranties. No bang on topic. Extended warranties are a major money maker for car dealers hence the hard sell. It is...
by 6miths
Sun Apr 05, 2015 8:24 pm
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 44
Views: 8088

Re: Home Air Filters

Rarely change the filters. Maybe once every year or 18 months. I don't wear a mask when I go outside either. Call me crazy!
by 6miths
Thu Apr 02, 2015 11:49 pm
Forum: Personal Consumer Issues
Topic: How to landscape an island and lawn tool recommendations?
Replies: 12
Views: 1718

Re: How to landscape an island and lawn tool recommendations

Yes I was thinking an actual island too.

Costco beats HD and Lowe's around here for mulch. Usually cheaper than bulk delivery as well but you could check that out. Costco only has mulch in these parts in May and June.
by 6miths
Wed Apr 01, 2015 10:22 pm
Forum: Personal Consumer Issues
Topic: MacBook Air or MacBook Pro
Replies: 27
Views: 3747

Re: MacBook Air or MacBook Pro

We have 5 13-inch MacBooks in the family: 2 Pros with Retina display, 1 Pro with regular display, an acrylic MacBook and an Air. Only one I would say even came close to disappointing would be the Air. I don't find the difference in weight between the Air and the new Pro to be significant. They are a...
by 6miths
Tue Mar 31, 2015 12:21 pm
Forum: Investing - Theory, News & General
Topic: Bear market warning sign
Replies: 27
Views: 6955

Re: Bear market warning sign

Did you mean 60 cents? It will eventually get there again. Yes the Leafs... I am off to see them tonight against Tampa Bay. Hoping for a loss to get a better position in the McDavid sweepstakes. I was sitting with my 16 year old son the other day and started wondering if the Leafs would win a Stanle...
by 6miths
Tue Mar 31, 2015 9:08 am
Forum: Investing - Theory, News & General
Topic: Bear market warning sign
Replies: 27
Views: 6955

Re: Bear market warning sign

Thanks for the heads up... I was thinking of buying more VTI but I think that I'll hold off or the whole edifice will likely come crashing down. I was right there with you in June 2008. Maybe it was the two of us who were responsible for the entire thing? :D
by 6miths
Sun Mar 29, 2015 7:32 pm
Forum: Personal Consumer Issues
Topic: How long do sofas really last
Replies: 46
Views: 12095

Re: How long do sofas really last

My couch is at least 65 years old. It was "good solid furniture" when it was bought sometime between 1945 and 1950. Lived through a couple of kids and about 6 dogs (more or less consecutively) and 2 or 3 cats. My parents had it reupholstered at least once. I've done it twice I think. That costs mor...
by 6miths
Sun Mar 29, 2015 6:09 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3064
Views: 945662

Re: What Book Are You Currently Reading? Part VI

I know that some here have read the book 'The Emperor of All Maladies: A Biography of Cancer' written by Siddhartha Mukherjee. Pulitzer Prize in 2011 for non-fiction. Just a heads up that it has been made into a 3 part series airing on PBS the next 3 Monday nights.
by 6miths
Sat Mar 28, 2015 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: If you had 1 [investing] book to recommend...
Replies: 51
Views: 7647

Re: If you had 1 book to recommend...

Andrew Hallam's 'Millionaire Teacher' is the book I recommend to the naive.

William Bernstein's 'Four Pillars' would be the one if I could only suggest one.
by 6miths
Thu Mar 19, 2015 10:23 pm
Forum: Personal Consumer Issues
Topic: Costco optical
Replies: 30
Views: 23700

Re: Costco optical

Very, very satisfied. Have been a customer for maybe 8 years. Finally got DW to switch and saved many dollars. She is happy too.
by 6miths
Mon Mar 09, 2015 10:08 pm
Forum: Investing - Theory, News & General
Topic: If you could send an investment message 10 years in the past
Replies: 62
Views: 6880

Re: If you could send an investment message 10 years in the

10 years? I got nothing... thank you Mr. Bogle.
by 6miths
Mon Mar 09, 2015 9:59 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 57292

Re: Will you buy an Apple Watch?

No. Not a watch person.
by 6miths
Sun Mar 08, 2015 11:02 am
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Actually Use?
Replies: 67
Views: 24636

Re: How Many Credit Cards Do You Actually Use?

Costco Capital One MasterCard
Chase Amazon Visa - no Forex fees
TD USD Visa

Business Visa
by 6miths
Fri Mar 06, 2015 2:13 am
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 89
Views: 7811

Re: Mac reliability?

Went to Apple products in 2008. 4 children one still likes Windows systems but goes through at least one HP power source per year and usually has to reinstall the OS with similar frequency. Younger son has a PC laptop but wants to move to a MacBook for next computer. My experience is that generally,...
by 6miths
Thu Mar 05, 2015 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: If you have $1 million...
Replies: 65
Views: 8473

Re: If you have $1 million...

I can't really answer your poll because I don't relate to either option. We purchased two new Hondas in 2009 and 2010 because our old cars were 16 years old (1993 and 1994) and were starting to break down. We bought the Honda Fit new because the used models did not have ESC, which CR recommends str...
by 6miths
Tue Mar 03, 2015 8:53 pm
Forum: Personal Consumer Issues
Topic: Who has owned a ski boat or waverunner & did you regret it?
Replies: 19
Views: 15443

Re: Who has owned a ski boat or waverunner & did you regret

We had the Wake version of the SeaDoo. Bought 3rd hand when it was 4 years old and had it for 7 years before 'selling' it to my neighbour at the cottage. I say 'selling' it because I haven't seen any money yet. So now I don't have one and he has 2 which is good because I can use both of them anytime...
by 6miths
Tue Mar 03, 2015 12:08 am
Forum: Personal Consumer Issues
Topic: Frozen Pipes/No Water In Home
Replies: 29
Views: 3847

Re: Frozen Pipes/No Water In Home

Had the pipes freeze in an outside wall this year. Run of -20 F weather, a good wind and an exposed west wall. Thawed on its own and thankfully no leaks. Many places have had city lines freezing because of how deep frost is penetrating due to the prolonged cold. I would probably just go pioneer and ...
by 6miths
Sun Mar 01, 2015 7:43 pm
Forum: Personal Consumer Issues
Topic: Travelling via Housesitting?
Replies: 10
Views: 1969

Re: Travelling via Housesitting?

Wow that sounds fabulous.