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Re: Best portable mattress/bed?

How about a Japanese Shiki Futon? I've read some good things about these, though I'm not sure where you can buy an authentic one outside of Japan.
by climber2020
Fri Mar 27, 2015 9:05 am
 
Forum: Personal Consumer Issues
Topic: Best portable mattress/bed?
Replies: 11
Views: 614

Re: Whole Life Insurance Vs. 401K/IRA

He is not a "good friend." A good friend does not try to con you into buying Whole Life. The experts on this board will give you detailed reasons why, but some scavenger tried to pull that on me a few years ago before I found Bogleheads, and I don't talk to that guy anymore.
by climber2020
Wed Mar 25, 2015 6:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance Vs. 401K/IRA
Replies: 9
Views: 621

Re: Restaurant tipping

I have a very simple strategy I use to determine tips. I usually get water at restaurants. I don't like to drink my calories. I also drink like a horse. 3-5 glasses each time. Hence, why I don't like to drink my calories. 20% - Water is refilled on a consistent basis. I never run out. I never have ...
by climber2020
Mon Mar 23, 2015 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 190
Views: 10651

Re: Restaurant tipping

I figure this thread is a good place for my tipping question (rather than start a new one): My wife and I go out to eat often and we tip (what I think is) well...minimum of 20%. Sometimes 25% or 30%. My question is since we do this, is morally ok to drop our tipping rate in the future when we are r...
by climber2020
Mon Mar 23, 2015 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 190
Views: 10651

Re: Should I invest my emergency fund?

All I want is for the cash to be there if and when I lose my job But what if you don't lose your job? I think that is an important scenario to consider and one that folks with emergency funds don't think about often enough. In my case, I think the odds are better that I will keep my job. So I am be...
by climber2020
Sat Mar 21, 2015 11:53 pm
 
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 71
Views: 5996

Re: Should I invest my emergency fund?

I keep my emergency fund in a savings account that pays close to 0%. It won't grow, and I don't care. All I want is for the cash to be there if and when I lose my job so I don't have to sell my stock funds to pay rent. Each year that passes, my overall portfolio grows larger and the percentage of as...
by climber2020
Sat Mar 21, 2015 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 71
Views: 5996

Re: Restaurant Tipping, No Waiter/Waitress

Our local Applebee's chain restaurant now has the option to order your food and drink from a tablet device. I have not seen it but plan on going at some point. From my under understanding the menu has changed along with updating the rest of the place. You have the option to have a waitperson if you...
by climber2020
Sat Mar 21, 2015 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant Tipping, No Waiter/Waitress
Replies: 18
Views: 2779

Re: Five most important things to be a successful investor?

Time
Money
Humility
Self control
Critical thinking skills
by climber2020
Tue Mar 17, 2015 11:28 am
 
Forum: Investing - Theory, News & General
Topic: Five most important things to be a successful investor?
Replies: 31
Views: 3177

Re: Savannah

We did a ghost tour with a guy named Tobias. It was excellent. I think the name of the company he works through is Blue Orb. A good meal we had there was at the Olde Pink House. Very interesting setting and good food. There's a piano bar in the basement underneath the restaurant that we enjoyed afte...
by climber2020
Mon Mar 16, 2015 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Savannah
Replies: 25
Views: 2545

Re: Physician tail coverage

You can get an exact number by calling the insurance company that provides her malpractice coverage. Usually it's the value of 1-2 years of premiums; the number gets larger the longer a person practices. Tail coverage is needed at retirement, if she is going to continue to practice this is a much be...
by climber2020
Sat Mar 14, 2015 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Physician tail coverage
Replies: 16
Views: 1466

Re: $600 night guard for teeth grinding, really?

My girlfriend has an OCT guard that she bought online for much less than that. She seems to like it and it hasn't interfered with her sleep. It's one of the thinner ones that you place in boiling water and then mold to your teeth.
by climber2020
Thu Mar 12, 2015 9:36 am
 
Forum: Personal Consumer Issues
Topic: $600 night guard for teeth grinding, really?
Replies: 92
Views: 5716

Board certification alternative (medicine)

I was browsing some articles yesterday and came across this interesting read: http://www.newsweek.com/ugly-civil-war-american-medicine-312662 I know there are a number of physicians who regularly post here, so I wanted to get some thoughts as to how realistic it may be that a new organization like t...
by climber2020
Thu Mar 12, 2015 5:06 am
 
Forum: Personal Consumer Issues
Topic: Board certification alternative (medicine)
Replies: 10
Views: 1181

Re: Will you buy an Apple Watch?

Nope. I don't wear a watch, and even if I did, a watch isn't going to increase the physical activities I'm already doing on a regular basis. My phone does everything else I need. Besides, it's way much too expensive for a watch, anyway (except, perhaps, for Petro). Can you imagine paying $10,000+ f...
by climber2020
Wed Mar 11, 2015 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 321
Views: 16702

Re: Will you buy an Apple Watch?

Ignoring the technology for a moment, do most people enjoy wearing a large piece of jewelry on their wrist all day? Back in the day, I used to either carry around a light wristwatch (usually in my front pocket) or a pocketwatch out of necessity to tell the time. When I got my first cellphone, I ditc...
by climber2020
Wed Mar 11, 2015 12:33 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 321
Views: 16702

Re: Will you buy an Apple Watch?

I'm a big fan of Apple, but I hope this product tanks.
by climber2020
Tue Mar 10, 2015 8:09 am
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 321
Views: 16702

Re: Trip to Mexico

Go to a local ATM when you arrive. Make sure your bank doesn't charge ridiculous fees for using a foreign ATM. My credit union charges a flat $1 fee for use of any ATM anywhere in the world, whereas some of the larger banks like Wells Fargo will charge a flat $5 fee plus 3% of your withdrawal. I tra...
by climber2020
Tue Mar 10, 2015 8:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Trip to Mexico
Replies: 28
Views: 1876

Re: Thinking of buying electric shaver

I use a Panasonic ES LT41. I like it better than the Braun I used prior to it, and it has a lithium ion battery which holds a great charge. I can usually get 2 weeks out of it before it completely dies. No electric razor will give you as close a shave as a real blade. I made the switch in my late te...
by climber2020
Sun Mar 08, 2015 3:52 pm
 
Forum: Personal Consumer Issues
Topic: Thinking of buying electric shaver
Replies: 29
Views: 1752

Re: How do you store your photos?

All my prints from film get scanned, and the originals are placed in a small plastic Tupperware box. No albums or protection; since they've been scanned, if the prints get damaged, I can always make another print digitally. I do keep my 35mm and 120 negatives in a binder using Printfile archival sto...
by climber2020
Sat Mar 07, 2015 1:26 pm
 
Forum: Personal Consumer Issues
Topic: How do you store your photos?
Replies: 28
Views: 2200

Re: Favorite Vacation/Trip

- We hiked around South Coyotte Butte, White Pockets, "The Wave" (Google it), Grand Canyon, Bryce/Zion, Lake Powell and saw some of the most beautiful and unusual rock formations ever. Did you get permits for the Wave ahead of time through the website, or did you show up that morning for ...
by climber2020
Sat Feb 28, 2015 9:20 pm
 
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 40
Views: 4447

Re: Favorite Vacation/Trip

One of my favorite vacations that was also relatively inexpensive was renting a car and driving up the coast of Oregon over the course of a week. Lots of interesting places to see. If you wanted something closer to the east coast, flying into Miami, driving down the Keys, and spending some time in K...
by climber2020
Fri Feb 27, 2015 10:10 am
 
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 40
Views: 4447

Re: How does one increase their typing speed and accuracy?

.....u will learn to just feel for the bumps on the "F" and "J" keys with your index fingers and start typing. ? Not getting that. The keys on my keyboard (Microsoft) are completely smooth, all identical. Don't recall ever seeing (or feeling :shock: ) certain keys like F or J wi...
by climber2020
Thu Feb 26, 2015 4:53 pm
 
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 70
Views: 4004

Re: How does one increase their typing speed and accuracy?

The thing that did it for me was AOL instant messenger back in the 90's. After a year of routinely carrying on 5 conversations simultaneously in real time, my typing speed improved considerably. I don't know a modern day equivalent that would give a person the same amount of practice since most peop...
by climber2020
Thu Feb 26, 2015 4:53 pm
 
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 70
Views: 4004

Re: physicians [Frustrated, considering early retirement]

Current rules limit residents to 80 hour weeks. If you're aware of programs violating those rules, you should report them to the accrediting organizations. Regardless, I don't see how this is relevant to the OP's situation. Many programs violate these rules. My good friend is a trauma surgeon and r...
by climber2020
Wed Feb 25, 2015 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 9227

Re: physicians

And to answer your question: yes. I've only been in practice 5 years, and I have been saving and investing like mad so that I can be financially independent by my mid 40's and have options for myself.
by climber2020
Wed Feb 25, 2015 7:15 am
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 9227

Re: physicians

Have you ever considered starting a cash-only practice? I've read about a few docs successfully doing this in various places across the country, and they universally seem very happy.
by climber2020
Wed Feb 25, 2015 7:14 am
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 9227

Re: Breath freshening without sugar or artificial sweetener

I keep a toothbrush at work and brush my teeth several times a day.
by climber2020
Tue Feb 24, 2015 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Breath freshening without sugar or artificial sweetener
Replies: 7
Views: 773

Re: Saving home movies: what medium/format?

I use Handbrake as well to burn some of my DVDs into MP4 files. I have an old macbook with the old handbrake software which bypasses the security features on most DVDs. I tried doing the same process on my PC at work using the newest version of handbrake, but the software would not allow me to conve...
by climber2020
Mon Feb 23, 2015 7:24 am
 
Forum: Personal Consumer Issues
Topic: Saving home movies: what medium/format?
Replies: 9
Views: 522

Re: What bonds to select for a taxable account

I'm in the 25% tax bracket and in PA so there's state income tax. If you're in the 25% tax bracket and at a 20% bond allocation, how are you maxing out bonds in your retirement accounts? Assuming you don't even get an employer match, you'd still be able to put $18,000 + $5500 = $23,500 in bonds in ...
by climber2020
Thu Feb 19, 2015 7:08 am
 
Forum: Investing - Help with Personal Investments
Topic: What bonds to select for a taxable account
Replies: 6
Views: 527

Re: What bonds to select for a taxable account

The usual answer on here is Vanguard Intermediate Term Tax Exempt.
by climber2020
Wed Feb 18, 2015 7:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: What bonds to select for a taxable account
Replies: 6
Views: 527

Re: To all: How have you used your emergency fund?

I keep one year of expenses in a savings account and had to use a portion of it to buy a new car when my old car unexpectedly died. Gradually replenished it over the next few months.
by climber2020
Tue Feb 17, 2015 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: To all: How have you used your emergency fund?
Replies: 40
Views: 2967

Re: Book for beginning Investor

Personal Finance for Dummies by Eric Tyson is the book that I started with. Good book for the beginner who doesn't know the difference between a stock and a bond.
by climber2020
Tue Feb 17, 2015 4:27 pm
 
Forum: Investing - Theory, News & General
Topic: Book for beginning Investor
Replies: 10
Views: 714

Re: Mortgage for a medical resident (before start date)

Pay the extra money and rent. With a two doctor couple and barring any poor decision making, it won't make any significant difference in the long run.
by climber2020
Tue Feb 17, 2015 4:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage for a medical resident (before start date)
Replies: 18
Views: 959

Re: Large Age Gap with Spouse/Partner

Maybe jointly get a puppy and see how it goes? Serious actually. A lot of the responsibilities are similar in terms of time commitment. I like this advice. My cat is the entity that sealed the deal on me not wanting to procreate (and cats are much more self-maintaining than dogs, so I'm sure a dog ...
by climber2020
Tue Feb 17, 2015 8:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Large Age Gap with Spouse/Partner
Replies: 63
Views: 5396

Re: Preparing for 2 months incommunicado

Gonna at least take a small film camera to document the adventure?
by climber2020
Mon Feb 16, 2015 6:39 pm
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6673

Re: Understanding tax brackets

I'll just answer the first question because I am by no means a tax expert. Tax brackets are not all or nothing. If you make 40 grand, you only pay the 25% rate on the amount above $37451. The last dollar you make in the year gets taxed at a higher rate than the earlier dollars you make.
by climber2020
Fri Feb 13, 2015 10:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Understanding tax brackets
Replies: 13
Views: 1341

Re: Whom do you consider as your friends?

I have 5 people in the world I consider my friends. I would gladly take a bullet for any of these people. The people who I like and hang out with but would not take a bullet for, including almost everyone on my Facebook list, are considered acquaintances.
by climber2020
Fri Jan 30, 2015 7:45 pm
 
Forum: Personal Consumer Issues
Topic: Whom do you consider as your friends?
Replies: 8
Views: 1056

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: 1210

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: 89
Views: 8067

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: 72
Views: 9654

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: 2922

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: 4058

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: 2431

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: 3591

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: 3558

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: 10822

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: 4680

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: 1234

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: 4479

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: 3955
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