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Re: Ketogenic Diet anyone?

This method of eating spans millions of years. And for most of those years, the average lifespan was 30 and people spent most of the day doing actual physical activity instead of sitting in front of a computer for 8 hours. I don't think singling out one specific aspect of that way of life while ign...
by climber2020
Tue Jan 27, 2015 10:46 am
 
Forum: Personal Consumer Issues
Topic: Ketogenic Diet anyone?
Replies: 22
Views: 1146

Re: Rental Car Prices - is this the new normal ?

This is nothing new. Rental car prices can be as volatile as airline prices; sometimes even more so. One huge advantage of setting up a rental car, as opposed to booking a flight, is that you can cancel and re-book as many times as you want. For example, I'm looking at rental cars for a week long tr...
by climber2020
Sun Jan 25, 2015 8:38 am
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 70
Views: 5327

Re: Downsize, Reduce, Simplify.

Did you feel "put upon" losing previous life style? No Did you feel disconnected? No Do you feel liberated and more at ease? Yes Did you find the transition hard? No Did you find unexpected bumps in the road about which you wish you has known ahead of time? Not really Do you wish you had ...
by climber2020
Fri Jan 23, 2015 11:33 am
 
Forum: Personal Consumer Issues
Topic: Downsize, Reduce, Simplify.
Replies: 65
Views: 7164

Re: When/how to invest monthly savings into taxable?

I fund my taxable account every 2 weeks on the day I get paid. I have to do it manually because my paycheck fluctuates depending on how much I work, plus I like to funnel my contributions toward whichever fund is lagging behind my AA at the time. Lately, I've been putting a higher proportion into In...
by climber2020
Fri Jan 23, 2015 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: When/how to invest monthly savings into taxable?
Replies: 32
Views: 2820

Re: urgent: how to identify top surgeons for a procedure

Another vote to completely ignore the Top Doc lists. When I was placed on my local Top Doc list years back, I had no idea how it was determined. Turns out it is all advertising, and if you pay the fee, they put you on the list. There was no evaluation process, no chart review, no interview, no legit...
by climber2020
Wed Jan 21, 2015 7:26 am
 
Forum: Personal Consumer Issues
Topic: urgent: how to identify top surgeons for a procedure
Replies: 49
Views: 3982

Re: Why I like this forum

I need to go back and read Cat's Cradle again. Your post brought back vivid thoughts of people hanging out with the bottoms of their feet touching.
by climber2020
Sun Jan 18, 2015 12:58 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Why I like this forum
Replies: 34
Views: 2274

Re: "Wining and dining" in medical community

As an outsider (with some friends in the medical community), I'm interested in this. Do others of you who are doctors/surgeons/etc see this too, as a sort of cultural necessity of being a doctor or surgeon? Nope. Would you be shunned by your colleagues if you decided not to live the wining and dini...
by climber2020
Sun Jan 18, 2015 12:53 pm
 
Forum: Personal Consumer Issues
Topic: "Wining and dining" in medical community
Replies: 35
Views: 3513

Re: Instant coffee

I like Nescafé Clasico; specifically the one that has Spanish labeling (it can be hard to find). When I traveled through Mexico years back, I was surprised to see that most of the restaurants we ate at served this brand instead of traditionally brewed coffee.
by climber2020
Sat Jan 17, 2015 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Instant coffee
Replies: 34
Views: 3344

Re: Why invest in International funds? It's a mystery

A year ago, there were weekly discussions about "why invest in bonds?". Then bonds did quite well, and those conversations rarely show up now. Now after a crummy year for international, it's "why invest in international?". I predict that if domestic stocks do poorly this year, ne...
by climber2020
Fri Jan 16, 2015 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10514

Re: boglehead workout

With any workout related question, you'll get a thousand different opinions, many of which include effective advice. Regardless of the routine, I feel the important thing is that whatever you pick, pick something that you can consistently see yourself doing, without fail, for the next 20 years. The ...
by climber2020
Mon Jan 12, 2015 7:21 am
 
Forum: Personal Consumer Issues
Topic: boglehead workout
Replies: 39
Views: 4533

Re: Payless Car Rental

Not Payless, but I rented from Dollar once (which I throw in the same category as Payless) and they stranded me at the airport and refused to rent me a car that I had reserved months in advance because I wouldn't buy the extra insurance. I'm sure many people have had normal experiences with these sm...
by climber2020
Sat Jan 10, 2015 5:00 pm
 
Forum: Personal Consumer Issues
Topic: Payless Car Rental
Replies: 9
Views: 1207

Re: Games

Anyone ever play Blokus? It's kind of like Tetris, but a little different.
by climber2020
Wed Jan 07, 2015 12:33 pm
 
Forum: Personal Consumer Issues
Topic: Games
Replies: 38
Views: 4314

Re: Need help with men's exercise clothes please

I use Columbia Mountain Tech short sleeve shirts. They usually run about 30 bucks a piece, but sometimes you can find them on sale for 15-20. These also work great as travel shirts since you can wash them in the sink and they dry in a few hours. I've tried similar polyester shirts from Target, and t...
by climber2020
Mon Dec 15, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Need help with men's exercise clothes please
Replies: 55
Views: 3863

Re: An interesting way I just thought about debt

I paid off all my low interest student loans 2 years after starting my real job, and it was one of the best days of my life. I didn't care if I could have theoretically gotten a better overall return by paying the minimum and putting the rest of the cash in stock funds (and in hindsight, that would ...
by climber2020
Wed Dec 10, 2014 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: An interesting way I just thought about debt
Replies: 18
Views: 2692

Re: What is the best meal you've had at a restaurant?

The house made Vegeburger at a restaurant called Ona near the Heceta Head lighthouse on the Oregon coast. I don't normally like veggie burgers, but this one was awesome.
by climber2020
Tue Dec 09, 2014 10:11 pm
 
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 88
Views: 6948

Re: I need to accumulate $30k over the next 2 years, how?

Have you tried looking for a different surgeon who will do it for a cheaper price?
by climber2020
Tue Dec 09, 2014 9:12 am
 
Forum: Investing - Help with Personal Investments
Topic: I need to accumulate $30k over the next 2 years, how?
Replies: 59
Views: 4113

Re: Selling your old cell phone for cash

I've sold a few phones to Amazon.com. You get more cash (in an Amazon gift card) than gazelle or other similar sites, but not as much as you would with craigslist or eBay. It's really convenient though, and for me the lower reimbursement was worth the convenience. I thought all you have to do is tak...
by climber2020
Mon Dec 08, 2014 7:23 am
 
Forum: Personal Consumer Issues
Topic: Selling your old cell phone for cash
Replies: 19
Views: 1668

Re: Low Price Nikon Camera

Personally I've been waiting for someone to bring up and speak for the newer ILC/Mirrorless category as an alternative to the three categories (smart-phone, p&S, DSLR) thus far discussed. My go-to big gun travel camera is a Sony RX1. Smaller than any DSLR and has technical image quality that fa...
by climber2020
Thu Dec 04, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Low Price Nikon Camera
Replies: 31
Views: 1808

Re: Does anyone own iPad Air 2?

Check macrumors.com. Any current sales are usually posted there.
by climber2020
Mon Dec 01, 2014 3:39 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone own iPad Air 2?
Replies: 18
Views: 3101

Re: An overdue update from a "panicked investor"

Our current portfolio balance is low to mid 7 figures: 55% S&P 500 (Vanguard and Fidelity) 5% Total SM (Vanguard) 10% Total International SM (Vanguard) 10% individual stocks (3 companies, the largest position is company stock which I am forced to own) 20% cash One observation I made after re-re...
by climber2020
Mon Dec 01, 2014 7:22 am
 
Forum: Investing - Help with Personal Investments
Topic: An overdue update from a "panicked investor"
Replies: 86
Views: 8923

Re: An overdue update from a "panicked investor"

What has changed between then and now that makes you a) comfortable with an 80% stock allocation (seems very high based on what you wrote in 2010), and b) sufficiently confident that you won't sell everything again when the market inevitably takes another nosedive at some nondescript time in the fut...
by climber2020
Fri Nov 28, 2014 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: An overdue update from a "panicked investor"
Replies: 86
Views: 8923

Re: Being woken up by neighbors above me

Is there any way you can transfer to a top floor apartment and stay on your current lease? After living in a top floor unit, I don't think I could ever go back to having people live above me.
by climber2020
Wed Nov 26, 2014 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 79
Views: 6395

Re: A Good Trip Overseas

If you're:

1) Under 35
2) Single or at least without child
3) Like to party

then give Contiki tours a consideration. I've done several international trips with them in the last few years, and they've all been a blast.
by climber2020
Tue Nov 25, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: A Good Trip Overseas
Replies: 17
Views: 1862

Re: Your favorite classic toys for kids

Super Mario Bros :beer
by climber2020
Tue Nov 11, 2014 10:43 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 5510

Re: My DISH tv bill just keeps going up and up

Do they have a physical store with customer service that you can visit? A few years ago, I found that going to my local Comcast office and sweet talking the employee got me a much better deal than anything I was able to negotiate over the phone. I cut my bill by about 25% while getting twice the cha...
by climber2020
Mon Nov 10, 2014 9:04 am
 
Forum: Personal Consumer Issues
Topic: My DISH tv bill just keeps going up and up
Replies: 50
Views: 5062

Re: Great camera to take pics?

I would also recommend an original RX100 which can be had new for $500. Here is an excellent article regarding this topic: http://www.stevehuffphoto.com/2014/06/13/55667/ I prefer this to the newer one because as you zoom in on either camera, the aperture narrows very quickly, so to take advantage o...
by climber2020
Sat Nov 08, 2014 6:43 pm
 
Forum: Personal Consumer Issues
Topic: Great camera to take pics?
Replies: 44
Views: 5953

Re: DIY Electrolyte Replacement drink

I like pickle juice after a particularly strenuous workout.
by climber2020
Fri Nov 07, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: DIY Electrolyte Replacement drink
Replies: 13
Views: 1470

Re: When do you buy a new home computer?

My base model white Macbook is 7 years old, and I plan on using it until it either breaks or makes it to 10 years. Will probably replace it with another version of the cheapest Apple laptop at the time. The entire computer gets backed up to an external drive a few times a month. Back when I had Wind...
by climber2020
Fri Nov 07, 2014 7:15 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4771

Re: Uber Car and the real cost of driving

I hope it continues to get more popular. I hate driving in general, but especially circling downtown looking for a parking space.
by climber2020
Fri Nov 07, 2014 11:12 am
 
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 32
Views: 3108

Re: Tough spot, decided to lease a car

I am not trying to keep up with the joneses. This decision to lease is based on risk, not on appearance. If I knew an 80k car would last me years with minimal repairs and maintenance, I would buy it in a heart beat. After this bout of bad luck, I can't take that chance. I don't gamble for a reason....
by climber2020
Tue Nov 04, 2014 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tough spot, decided to lease a car
Replies: 209
Views: 14921

Re: Tough spot, decided to lease a car

Can you post a detailed monthly budget?
by climber2020
Tue Nov 04, 2014 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Tough spot, decided to lease a car
Replies: 209
Views: 14921

Re: Career Advice for an Unhappy Young Doctor?

I did not take any extended break from residency to fellowship to faculty. I really really wish I had! The longest break was two weeks and that's because I had to move across the country Me too, but I didn't have any money. How long can you really take off work when you have a net worth of negative...
by climber2020
Mon Nov 03, 2014 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 116
Views: 13972

Re: New Tony Robbins Book on Financial Freedom

TravelforFun wrote:
wxz76 wrote:You're probably thinking about Kevin Trudeau.


Whatever happened to Kevin Trudeau? I was facinated with the expose ABC did on him a while back.


He's rotting in prison where he belongs.
by climber2020
Sun Nov 02, 2014 10:36 pm
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 89
Views: 20745

Re: Vanguard Signal Share -> Admiral Share Conversion

This happened in my Nationwide 401K as well. I tried changing my future contribution ratios online and found that the Vanguard Total Stock signal shares were temporarily unavailable, which I eventually found out was due to the admiral share conversion. Not really sure what difference it is supposed ...
by climber2020
Fri Oct 31, 2014 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Signal Share -> Admiral Share Conversion
Replies: 5
Views: 655

Re: Men's Personal Hygiene Products

I'm a big fan of Arm & Hammer products. Their unscented deodorant is my favorite.
by climber2020
Tue Oct 28, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Men's Personal Hygiene Products
Replies: 37
Views: 3200

Re: Career Advice for an Unhappy Young Doctor?

I had a similar experience as a resident. My burnout began during my fourth year of medical school, and I was completely miserable until the day I turned in my ID badge on my last day of residency. I agree with others' recommendations on taking a long vacation; I took 3 months off to travel to vario...
by climber2020
Mon Oct 27, 2014 7:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 116
Views: 13972

Re: Done with Honda, not sure what next car should be?

I guess I'm just hoping there's a car company out there that (as sad as this sounds) might be an exception to the rule at this point. A company that may actually put quality/safety over profits, and has a company culture that may reflect these views. Ha! I don't think such a thing exists. I jumped ...
by climber2020
Sat Oct 25, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7988

Re: Help Change Direction - Invest or Fix Personal Finance

Could you post a monthly budget so we can see where this money is being spent?
by climber2020
Wed Oct 22, 2014 9:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Change Direction - Invest or Fix Personal Finance
Replies: 16
Views: 1253

Re: iPad Air 2 - 16 or 64 Gig?

One option with movies to reduce the amount of space they take up is to take DVDs you own and turn them into m4v files using Handbrake. It's time consuming, but it's something you can set up and leave alone while the computer rips the file. Most of my full length movies are 500 MB in size. The quali...
by climber2020
Wed Oct 22, 2014 8:03 am
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 42
Views: 3554

Re: iPad Air 2 - 16 or 64 Gig?

Last year, I replaced my 16 GB iPad 1 with a 16 GB iPad Air. I've found 16 GB to be more than enough for my use. I don't have any music on it, never take photos with it, and delete apps I no longer use and re-download them later if needed. The two things that take up most of the space are photos and...
by climber2020
Wed Oct 22, 2014 7:38 am
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 42
Views: 3554

Re: What tax software do you use and why

I used Turbotax for years until last year when they started dropping necessary features from the free edition. Used TaxAct last year and found it easy to use. I've also used H&R Block to do a relative's taxes, but am not a big fan of the interface.
by climber2020
Sat Oct 18, 2014 5:58 am
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2809

Re: Taxable investing compatible with Boglehead approach?

Climber, that sounds pretty good to me and I would be happy to go that route (though I don't quite have your investment amount...). So you don't tax loss harvest? I want to be lazy but I don't want to leave money on the table either... I would tax loss harvest, but the opportunity has not yet come ...
by climber2020
Fri Oct 17, 2014 11:46 am
 
Forum: Investing - Theory, News & General
Topic: Taxable investing compatible with Boglehead approach?
Replies: 9
Views: 1169

Re: Taxable investing compatible with Boglehead approach?

I've been contributing to a taxable account for a few years. My taxable contributions far outweigh my tax advantaged contributions, so I had no other alternative aside from nearly getting suckered into an unnecessary and completely inappropriate whole life insurance policy. Most of my 401k is in bon...
by climber2020
Fri Oct 17, 2014 10:07 am
 
Forum: Investing - Theory, News & General
Topic: Taxable investing compatible with Boglehead approach?
Replies: 9
Views: 1169

Re: Electric Razors

I used a Braun for years, but replaced it a year ago with one of the higher end Panasonics. The most impressive feature for me with the newer razors is battery life. I spent 2 weeks overseas and intentionally left the charger at home to see how long it would last, and I came home with 20% battery st...
by climber2020
Tue Oct 14, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Electric Razors
Replies: 26
Views: 1945

Re: Travel To Cancun Area Christmas 2014

Isla Mujeras is another choice but I have not stayed there. Good snorkeling and quieter than Cancun. Isla Mujeres was one of my favorite places in Mexico. It's a short boat ride from Cancun, and the atmosphere is much more relaxed. Very walkable town as well. It felt very safe when I went, but that...
by climber2020
Tue Oct 14, 2014 9:36 am
 
Forum: Personal Consumer Issues
Topic: Travel To Cancun Area Christmas 2014
Replies: 3
Views: 521

Re: What's the best Comcast phone and cable deal?

Looking to switch from AT&T DSL to Comcast. Was looking for internet and possible basic cable bundle. I was thinking of setting up OOMA instead of using comcast phone, so I am not at all interested in triple play. Any idea what's considered a good internet and basic cable comcast deal? Thanks. ...
by climber2020
Mon Oct 13, 2014 8:04 am
 
Forum: Personal Consumer Issues
Topic: What's the best Comcast phone and cable deal?
Replies: 15
Views: 1057

Re: Process for organizing and sharing photos

I process photos through Lightroom, trash the ones I don't want, and store the rest on iPhoto. Over the last few years, I've gotten much more selective about which photos I actually keep. Within iPhoto, I created an album of all my favorite pictures which I add to frequently. This album gets routine...
by climber2020
Wed Oct 08, 2014 6:03 pm
 
Forum: Personal Consumer Issues
Topic: Process for organizing and sharing photos
Replies: 11
Views: 888

Re: Just finished medical residency. Lots of general ?s

5. Real Estate I currently pay $1100 for rent and I don't like the idea of throwing away money for rent when it could be used towards building assets, but I don't know much about real estate. Is is ok that I keep renting for a few years or should I get serious about looking into real estate? Nothin...
by climber2020
Tue Oct 07, 2014 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Just finished medical residency. Lots of general ?s
Replies: 14
Views: 1771

Re: Verizon: Upgrade iPhone - No longer "Loyal Customer"

I have a legacy family plan with Verizon as well. Same situation; if I upgrade any of my lines with a subsidized phone and 2 year contract, I am forced to change over to either a less desirable or more expensive plan. 2 of my lines are month to month and only 1 line is still on contract. As soon as ...
by climber2020
Mon Oct 06, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Verizon: Upgrade iPhone - No longer "Loyal Customer"
Replies: 22
Views: 4574

Re: Invest in Bowflex Max Trainer?

This is an interesting use of the word "invest." This is a huge pet peeve of mine. The word "invest" is used so commonly and inappropriately now, when what people really mean is "purchase". I think marketing and advertising folk have surreptitiously sneaked that word i...
by climber2020
Fri Oct 03, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Invest in Bowflex Max Trainer?
Replies: 25
Views: 6034
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