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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: 38
Views: 3648

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: 38
Views: 3648

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: 58
Views: 2251

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: 58
Views: 2251

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: 8815

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: 8815

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: 8815

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: 742

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: 497

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: 510

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: 510

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: 2864

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: 660

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: 924

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: 5156

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: 6349

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: 1277

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: 1048

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: 1196

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: 7845

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: 9483

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: 2878

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: 4028

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: 2390

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: 3569

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: 3482

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: 10730

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: 4596

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: 1222

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: 4362

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: 3924

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: 2705

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: 7114

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: 4139

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: 1698

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: 1834

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: 3143

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: 9032

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: 9032

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: 6430

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: 1889

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: 5623

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: 5144

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: 6091

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: 1499

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: 4871

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: 3219

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: 15196

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: 15196
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