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Re: Medical practice buy-in

The majority of the long term debt comes from adding new devices and building out the second office, which is not currently busy. I reread this and noticed something I glossed over the first time: why would someone who is trying to sell his practice take out a large loan to buy and furnish a second...
by climber2020
Fri Aug 15, 2014 8:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Medical practice buy-in
Replies: 43
Views: 4433

Re: Mac Airbook

On a related note, can anyone comment on the one MacBook Pro that Apple still sells that has the spinning hard drive and non-retina screen? I think on all the models other than this one, Apple has made it very difficult to perform DIY work like replacing the battery or adding more memory or a larger...
by climber2020
Thu Aug 14, 2014 7:10 am
 
Forum: Personal Consumer Issues
Topic: Mac Airbook
Replies: 38
Views: 3107

Re: Medical practice buy-in

The practices valuation came in at $500,000 using the income approach and is now being evaluated by my appraiser to make sure it is kosher as well as a forensic accountant. If the practice valuation shows $500,000 and the practice is $750,000 in debt, why should you have to pay anything at all? Or ...
by climber2020
Wed Aug 13, 2014 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical practice buy-in
Replies: 43
Views: 4433

Re: Where to buy little plastic bottles?

Nalgene makes a travel set that you can buy on amazon.com. 8 bottles in the set of various sizes and shapes. They're sturdier than most bottles this size, and in many years of travel use, I've never had one leak.
by climber2020
Mon Aug 11, 2014 9:25 am
 
Forum: Personal Consumer Issues
Topic: Where to buy little plastic bottles?
Replies: 24
Views: 1602

Re: your eye doctor; your eyes....

So I guess the answer, in part, is how good is your optometrist (eg, have they invested in the expensive equipment needed to do the tests that you may require). Expensive equipment does not = good clinician. Sad to say there is a lot of unnecessary testing going on out there. Note that an ophthalmo...
by climber2020
Thu Aug 07, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: your eye doctor; your eyes....
Replies: 41
Views: 3212

Re: Footwear in Vietnam

A post-trip update for anyone who might be interested in visiting Vietnam in the near future: I ended up taking a pair of Converse shoes just in case and they never left my bag. I also brought one pair of jeans; those also never left the bag because of how hot it was. My daily outfit consisted of a ...
by climber2020
Tue Aug 05, 2014 10:24 am
 
Forum: Personal Consumer Issues
Topic: Footwear in Vietnam
Replies: 25
Views: 2112

Re: Memory foam mattresses - any insight?

I bought the Tempur-Simplicity a few years back and it's been excellent. It's tempurpedic's cheapest model. I think I paid around $1300 for the queen mattress only (it sits directly on the floor). One of my best purchases ever.
by climber2020
Sat Jul 19, 2014 7:07 pm
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 64
Views: 5108

Re: Footwear in Vietnam

What are your planned activities? I was in Cambodia and Laos in January and pretty much lived in my flip-flops even climbing over the different temples. Admittedly I stubbed my toes a few times but it was way too hot for closed toed shoes and socks. The only time I wore my light hikers was for a mo...
by climber2020
Mon Jul 14, 2014 11:16 pm
 
Forum: Personal Consumer Issues
Topic: Footwear in Vietnam
Replies: 25
Views: 2112

Re: Looking to buy a quality scanner

If you have an iPhone or iPod touch, have you considered an app like Turboscan? You take a photo of the document, it automatically straightens it and corrects the color balance, and saves it to whatever kind of file you want whether it's jpeg or pdf. You can even scan multiple pages and save it all...
by climber2020
Mon Jul 14, 2014 11:12 pm
 
Forum: Personal Consumer Issues
Topic: Looking to buy a quality scanner
Replies: 50
Views: 3175

Re: Footwear in Vietnam

Thanks for the replies. I'm going on an organized tour, so I don't think we're gonna be doing excessive walking to the point of blisters. Chacos aren't your typical sandals; I've worn the same pair regularly during my daily life and travels for over 8 years and have had fewer blisters with these tha...
by climber2020
Mon Jul 14, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: Footwear in Vietnam
Replies: 25
Views: 2112

Footwear in Vietnam

Hi everyone. Question for anyone who has spent some time in Vietnam. I'm headed there for a few weeks traveling from Saigon all the way up to Hanoi and am trying to pack as little as possible. Would I be able to get by with just a pair of sandals as my only shoes? I wear Chacos which are a heavy dut...
by climber2020
Mon Jul 14, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Footwear in Vietnam
Replies: 25
Views: 2112

Re: Looking to buy a quality scanner

If you have an iPhone or iPod touch, have you considered an app like Turboscan? You take a photo of the document, it automatically straightens it and corrects the color balance, and saves it to whatever kind of file you want whether it's jpeg or pdf. You can even scan multiple pages and save it all ...
by climber2020
Mon Jul 14, 2014 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Looking to buy a quality scanner
Replies: 50
Views: 3175

Re: Looking for recommendations for a trip to Panama

I spent a week in Panama with a friend back in 2007. We flew into Panama City, rented a car, and drove west along Hwy 1 toward David stopping at a few beach towns on the way and hiking some of the jungles. We eventually made our way to Almirante, where we left the rental car in some random chained u...
by climber2020
Sun Jun 29, 2014 7:48 pm
 
Forum: Personal Consumer Issues
Topic: Looking for recommendations for a trip to Panama
Replies: 5
Views: 541

Re: Student Loans - Take More than Needed?

It depends. I would talk to some of the upper classmen first. In my second year of medical school, I returned about $10,000 in loans shortly after disbursement once I realized I did not need that much for that academic year. In my fourth year of medical school, I took out an additional $7,000 in pri...
by climber2020
Mon Jun 16, 2014 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loans - Take More than Needed for this Year?
Replies: 9
Views: 596

Re: What Do You Eat For Snacks?

After a run or weightlifting session: chips, Krystal burgers, fries, pizza, tacos, sugary cereal, pasta, or anything else that is densely packed with calories. I've always preferred getting a large amount of calories through a small volume of food as opposed to eating a massive volume of low calorie...
by climber2020
Fri Jun 13, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks?
Replies: 103
Views: 6448

Re: Prague for the insider

There's a place called Kutna Hora which is about an hour's train ride from downtown Prague. There's an ossuary there that's worth a visit. Never seen anything like it anywhere else.
by climber2020
Thu Jun 05, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Prague for the insider
Replies: 11
Views: 937

Re: What would you do with 1million

SteelyEyed wrote:
IMD801 wrote:So very tempted to quote Office Space.


lol. Somebody else asked the same question once. I replied with what I believe is the same quote. A moderator deleted it. :D


I third the motion.
by climber2020
Wed Jun 04, 2014 10:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would you do with 1million
Replies: 17
Views: 2006

Re: Medical Residency Retirement - Why don't we get a match?

Resident salaries are funded by Medicare. That may have something to do with it, though I'm not 100% certain.

UroloJay wrote: would I just get laughed at and sent out the door with my tail between my legs?


Yup.
by climber2020
Sun Jun 01, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical Residency Retirement - Why don't we get a match?
Replies: 57
Views: 3425

Re: Getting out of large student loan debt

Planning to try for baby middle of 2015. Shes been driving the same janky car since high school. I plan on getting her something late 2015. My car is paid off. I drove the same janky car that I got in high school several years into private practice and would still be driving it if the transmission ...
by climber2020
Sat May 31, 2014 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting out of large student loan debt
Replies: 45
Views: 3564

Re: Simple Camera for Travel?

Here would be my considerations given your size needs. I have all 3 of these and each has its advantages. 1. Sony RX100. Excellent technical image quality for a pocket camera. Autofocus is fast compared to other cameras this size, and it does really well in low light. It's expensive, but worth it in...
by climber2020
Fri May 30, 2014 7:03 pm
 
Forum: Personal Consumer Issues
Topic: Simple Camera for Travel?
Replies: 34
Views: 1530

Re: Worst "Large purchase" ever?

Interesting how so many people regret car purchases.......... Well in my mind there are only 3 things that cost more then $10k, homes, jewelry, or cars. There are boats. BOAT= bust out another thousand. Never made that mistake myself, but have seen several friends and colleagues make that unfortuna...
by climber2020
Sat May 24, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Worst "Large purchase" ever?
Replies: 110
Views: 11699

Re: Best way to send flowers?

1) Call a local florist
2) cheapflowers.com. $35 including all fees and delivery. It's consistently the cheapest online flower service I've found.
by climber2020
Thu May 08, 2014 2:05 pm
 
Forum: Personal Consumer Issues
Topic: Best way to send flowers?
Replies: 15
Views: 1021

Re: I like the investment strategy , not really the lifestyl

There should be a happy balance as Achelios says. One should not be eating Ramen their entire working life just to maximize their accounts as that is not enjoying life. No one can judge the future, but not planning for it can also be disastrous. I agree . Just looking at a lot of responses in the e...
by climber2020
Thu May 08, 2014 7:08 am
 
Forum: Personal Finance (Not Investing)
Topic: I like the investment strategy , not really the lifestyle
Replies: 67
Views: 6645

Re: Why is Two Fund Less Popular Than Three Fund Portfolio?

Does anyone do a 2 fund portfolio consisting of Total Stock Market and Total Bond? I've read posts from time to time suggesting that international is not as great a diversifier as it seems.
by climber2020
Wed May 07, 2014 11:30 am
 
Forum: Investing - Theory, News & General
Topic: Why is Two Fund Less Popular Than Three Fund Portfolio?
Replies: 145
Views: 10624

Re: How to sell lightly used phone

climber2020 wrote: I sell my iPhones every year on Amazon. You mail the phone, they give you a gift card. It's easy, and I usually get back more than what I paid for the phone. I presume you are talking about getting back more than $200 for an older phone?. Do they do that even for phone models 2+ ...
by climber2020
Wed May 07, 2014 7:20 am
 
Forum: Personal Consumer Issues
Topic: How to sell lightly used phone
Replies: 15
Views: 864

Re: How to sell lightly used phone

I sell my iPhones every year on Amazon. You mail the phone, they give you a gift card. It's easy, and I usually get back more than what I paid for the phone.
by climber2020
Tue May 06, 2014 10:48 pm
 
Forum: Personal Consumer Issues
Topic: How to sell lightly used phone
Replies: 15
Views: 864

Re: Good scotch recommendations, where to buy

Laphroaig makes a 10 year single malt that is a good value.
by climber2020
Mon Apr 21, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Good scotch recommendations, where to buy
Replies: 55
Views: 9535

Re: Last Minute Denali Trip - Where to find lodging?!

When my buddy and I went to Alaska, we stayed in hostels the whole time. Near Denali, the one we used was Denali Mountain Morning Hostel. Looks like they have several cabins available during your travel dates. We spent one night camping in Denali National Park. You have to get a backcountry pass fro...
by climber2020
Mon Apr 21, 2014 9:37 am
 
Forum: Personal Consumer Issues
Topic: Last Minute Denali Trip - Where to find lodging?!
Replies: 13
Views: 1218

Re: POLL: why carry cash?

Can't use credit cards between friends or on the black market.
by climber2020
Sat Apr 19, 2014 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 13614

Re: please advice - self managed vs balanced fund

sayeesh wrote:My question is: for a person like me(not sure of where I retire) can you recommend the % split in US total stock market index fund vs % in total international stock market index fund.


http://www.bogleheads.org/wiki/Three-fu ... nal_stocks
by climber2020
Thu Apr 17, 2014 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: [please advise] - self managed vs balanced fund
Replies: 10
Views: 830

Re: Looking for Low-Cost Eyeglass Shop I can visit

I know I could easily have gotten my prescription before, but having to actually ask for it is a tiny bit off-putting, and I found that I kept delaying asking so much that my prescription changed again and it wouldn't have been useful. I put this off as well, and I ended up using a year old scipt'....
by climber2020
Wed Apr 16, 2014 9:14 pm
 
Forum: Personal Consumer Issues
Topic: Looking for Low-Cost Eyeglass Shop I can visit
Replies: 25
Views: 2058

Re: Toaster Ovens

I have a basic Cuisinart that I got about 15 years ago, I think from Walmart, and it still works like a champ. I think more important than the specific brand and model is using the same one for many years and learning its nuances.
by climber2020
Wed Apr 16, 2014 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Toaster Ovens
Replies: 15
Views: 1385

Re: Looking for Low-Cost Eyeglass Shop I can visit

How about Costco? My patients seem to be happy with the glasses from there.
by climber2020
Tue Apr 15, 2014 11:51 pm
 
Forum: Personal Consumer Issues
Topic: Looking for Low-Cost Eyeglass Shop I can visit
Replies: 25
Views: 2058

Re: Favorite Investing Book?

Personal Finance for Dummies by Eric Tyson. It's the one that started it all for me and led me to this website.
by climber2020
Wed Apr 09, 2014 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Favorite Investing Book?
Replies: 50
Views: 5002

Re: Question for photographers: how is this done?

Thanks for the info everyone. I may play around with some software this weekend and see if I can get some interesting pictures in this style.
by climber2020
Wed Apr 09, 2014 8:40 am
 
Forum: Personal Consumer Issues
Topic: Question for photographers: how is this done?
Replies: 15
Views: 1545

Re: Brown bagging in a more formal office

I wear a button up shirt and tie to work every day and have been transporting my lunch in a brown bag for over 5 years. I'm the only one that does this, so there's never any mistaking which lunch is mine. New employees tend to find the brown bag fascinating; it's a nice conversation piece.
by climber2020
Wed Apr 09, 2014 8:38 am
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 4334

Re: Question for photographers: how is this done?

No indication that it's an authentic view. I was thinking there might be some photoshop magic going on, but was hoping that maybe there's some cool technique that I just didn't know about yet.
by climber2020
Mon Apr 07, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Question for photographers: how is this done?
Replies: 15
Views: 1545

Question for photographers: how is this done?

I came across this photo today and am curious if anyone knows how something like this is accomplished: http://500px.com/photo/66204473 http://500px.com/photo/60103118 I've been experimenting with some impressionistic photo techniques where you slow the shutter speed down and pan the camera while sho...
by climber2020
Mon Apr 07, 2014 4:18 pm
 
Forum: Personal Consumer Issues
Topic: Question for photographers: how is this done?
Replies: 15
Views: 1545

Re: Moving Advice: How do I make my move economical?

How about selling the old car, buying a new car, and driving the new car to Colorado?

You're going to want a car in Colorado; there are so many great things to do in that state.
by climber2020
Sun Apr 06, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving Advice: How do I make my move economical?
Replies: 16
Views: 970

Re: Vitamins instead of prescription meds?

Go for it, but it ain't homeopathic which is totally bogus, so I am sorry you used that word because it is not really what you meant. Of course, you should design experiments so that you can empirically test the results. In order to do this, one would need equipment to verify the contents of the vi...
by climber2020
Mon Mar 31, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: Vitamins instead of prescription meds?
Replies: 10
Views: 829

Re: Mr. Money Mustache: Hero or Foolish?

That said, if someone in his family comes down with a health condition, or his kid decides to go to college, it could be a struggle. That is exactly what I was wondering about. http://www.mrmoneymustache.com/2011/09/21/i-can-never-retire-because-of-health-insurance-waaah-waaah/ http://www.mrmoneymu...
by climber2020
Mon Mar 31, 2014 10:47 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 255
Views: 34596

Re: BH Vacations

I really want to go on a vacation, but I want people to go with me. Contiki. They run group tours that only allow people ages 18-35. Most travelers are solo, but after a few days you have a great group of new friends to sightsee and party with. I've done several of these, and they're some of the be...
by climber2020
Sun Mar 30, 2014 11:12 pm
 
Forum: Personal Consumer Issues
Topic: BH Vacations
Replies: 50
Views: 3566

Re: Taxable Accounts Funds and Allocations

Forgive me if this has been discussed (i'm sure it has) I attempted to use the forum search but didn't find an answer. My wife and I are in our early 30's and max out all of our tax advantaged accounts and we are happy where we are with those thanks in part to great advice I have found on this foru...
by climber2020
Fri Mar 28, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable Accounts Funds and Allocations
Replies: 15
Views: 945

Re: Thinking About a New Laptop

The photos I'm going to move onto the new laptop were saved using Nikon's software on a Windows based machine. My computer guy tells me they won't transfer over to an Apple machine, so I was thinking of sticking with a Windows OS. I don't know enough about it to tell if he is right or wrong, but I ...
by climber2020
Thu Mar 27, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Thinking About a New Laptop
Replies: 45
Views: 3137

Re: Thinking About a New Laptop

The photos I'm going to move onto the new laptop were saved using Nikon's software on a Windows based machine. My computer guy tells me they won't transfer over to an Apple machine, so I was thinking of sticking with a Windows OS. I don't know enough about it to tell if he is right or wrong, but I ...
by climber2020
Thu Mar 27, 2014 4:28 pm
 
Forum: Personal Consumer Issues
Topic: Thinking About a New Laptop
Replies: 45
Views: 3137

Re: Upcoming European Vacation - Currency Exchange Questions

1. ATM card with no/low foreign transaction fee. Local credit unions usually have minimal fees, whereas banks like Wells Fargo charge you $5 plus 2% every time you make a foreign withdrawal. 2. Credit card with no foreign transaction fee. Capital One is a good one. 3. A little bit of US dollars. The...
by climber2020
Wed Mar 26, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Upcoming European Vacation - Currency Exchange Questions
Replies: 27
Views: 1484

Re: Load-Waived A-Share Funds Better Than Indexing?

how2manage wrote:If possible I'm looking for hard evidence.


Here's a link to the Carhart study from 1997:

http://faculty.chicagobooth.edu/john.cochrane/teaching/35150_advanced_investments/Carhart_funds_jf.pdf
by climber2020
Wed Mar 26, 2014 8:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Load-Waived A-Share Funds Better Than Indexing?
Replies: 30
Views: 1515

Re: Options for the medical grad but no residency

She has to complete a year of residency and pass step 3 otherwise medical school was a supreme waste of time and money. Just have her do the easiest transitional year she can find. Transitional year programs, especially the nice ones that don't require you to work long hours, are extremely difficul...
by climber2020
Sun Mar 23, 2014 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 97
Views: 8174

Re: Best smartphone in 2014?

If you're looking for the best camera, go for iPhone. Can't beat it's picture quality and details. I'm very happy with the camera on my 5S. In my opinion, the cameras in the 4S and newer are very competent in good light. Nokia makes a few phones with a 41 mp camera that have relatively large sensor...
by climber2020
Wed Mar 19, 2014 4:18 pm
 
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 2743

Re: Point & Shoot Camera for a Senior

I don't want to hijack this thread, but I think my question fits in. We were recently on vacation in the Caribbean, and I did not feel like lugging my Nikon D4 and its associated 2.8 lenses with me (if you're not familiar with them, they are large and heavy). I got a Nikon 110 for the trip, and dis...
by climber2020
Wed Mar 19, 2014 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Point & Shoot Camera for a Senior
Replies: 22
Views: 939
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