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Well, living in Canada we don't have to worry about major medical issues thankfully. That budget would include $3000 for medical which would be drugs (we take none at the moment but who knows), dental, physio, etc. Those things are not covered. Regarding hobbies, all my hobbies at the moment...

48yo CPA in MCOL city in Canadian prairies. All figures in today's CAD$. Currently at $2.1M in assets and $450k paid off home. Goal was/is?? to work to 52 and get to $2.8M - $3.0M in assets. Expect to receive $23k in CAD gov't pension at age of 65, can take earlier at 75% reduction. No work...

I knew nothing about AFIB until this year when my 82yo mom had her first incident requiring hospitalization. Cardioversion was succesful. She had a few other incidents requiring the hospital and in couple cases it reverted on it's own, one needed cardioversion.Her heart rate is naturally very...

Do you know if you are prone to a more severe outcome the next time you get covid? ie....does someone needing o2 therapy (like myself) once for covid mean they have a higher risk of a bad outcome in the future. Or just luck of the draw?

What ever happened?

48yo pretty healthy here. Tested positive last Tuesday for the first time. Worst sore throat ever on Wednesday, felt worse Thursday. Called my DR friend and he prescribed Paxlovid. Testing my O2 it was very bad, going down into the 70's while walking. We were able to secure home oxygen...

You book direct thru landlord?

Is it true that property taxes for non Florida residents is sky high? Any hurricane concerns?

I am in Canada and every year my older Canadian friend goes to Arizona for six months and tells me I need to buy ASAP before prices go higher. Granted; looks like houses have come down 10-15% in many areas lately and possible weakness ahead. I remind him that he bought a $300kUSD foreclosure...

I was going to call a company in to service or replace my humidifier but I managed to fix it for time being at least. I also realize now that I have not had HVAC mtce for 8 years....which is when I installed a new York furnace. I have an Aprilaire air cleaner with massive accordion style...

Just curious, but what is the current yield on your portfolio? With current increased rates on bonds and generally increasing dividends post pandemic, my portfolio currently yields 2.69%. I plan to never spend more than my dividends so this will be my SWR whatever it ends up at retirement...

In Canada I wouldn't say sedation is rare but I think less common than in the US. Where I live there was a massive publicized case where an 8 year old died under sedation for a minor dental procedure (can't recall what). Lots of finger pointing between parents and dentist (claimed she had...

Update, endodontist said tooth cannot be root canaled, infection too big on CBCT xray. No pain because abscess at gumline was draining so relieved the pressure. Will have to get extracted and then implant. Still not sure why this happened as neither dentist or endo could say definitively...

Thanks for replies. Yup I did try one of those night-guards. First one I didn't form it right and the second one I botched abit too such that the "track" is not quite right for my molars....so I'm worried about wearing it and choking or something....and likely from China not 100% comfortable...

Not sure if this is the spot for dental queries but here goes. Nearly 50, teeth are in good shape, cleanings and checkup every six months. At cleanup last time six months ago dentist noted possible signs of clenching which I've never had before. We agreed to keep an eye on it and that mouth...

I don't get the same yield as you in yahoo finance on VFIDX? Take a look at link below...it indicates what the market thinks about where Fed rate will be up to Summer 2023. You can see that in early 2023 the market is skeptical about further rate hikes right around the 3% mark. Every...

I wouldn't worry about that limit, it has no real world implications on the Canadian side. I know many that had to stay longer than allowed and nothing ever happened regarding health care being cut off in Canada and for tax purposes there is no impact - that is a common misconception. Tax...

For those with a second home, what are you annual costs? I mean HOA, taxes, utilities, supervision, mtce, garbage collection etc. I am from Alberta, Canada and eying the Arizona market....something like Surprise, AZ. I would get something with no pool and no mtce yard as we would be there...

You can't look at the yield but you can look at the 'yield to maturity' or ytm and yes all things being equalled that is the return you will get including dividends if you held the bond fund or etf from day 1 to the end of 7 years or whatever the average duration is for the fund. How much...

I'm Canadian so don't know your bond funds that well but assume BND is one of the big ones. It is down 6.2% from it's 52 week high. How many rate hikes is BND pricing in?

Hello All. So recently my dividend income of $41000 covers my expenses in a MCOL city in Canada. This is on a $1.9Mil portfolio and paid off house. We are frugal, my hobbies are cheap (tennis, cross country skiing and biking) and with COVID our plans to cheaply slow travel are nill and void...

Just curious but would anyone say something to a friend of yours in terms of risk management. He is 100% TSLA since $150 share price and is semi retired at the age of 40 with about $2.5Million....a mix of shares and LEAPs all in TSLA....or should I just mind my own business? We have discussed...

One other thing to think about is that if you sell your house in the US (which generally increases in value by more than inflation each year) and buy in Europe, what will the house value do over the next decades in Europe. In Italy many towns suffer with aging population and there are literally...

I can't speak to Portugal but thinking of similar thing in Northern Italy in about a decade. Have you actually spend significant amount of time there to verify your expected annual costs? When people say Europe is expensive I disagree completely. Sure the big cities are very expensive, but...

South Korea has a reliable 10 minute test. No idea why we don't steal, buy or replicate their test. We have heard about more and more testing coming for weeks now....there have been alot of tests but still woefully behind. It would be nice to have an idea when full scale number of test kids...