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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 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Men's Personal Hygiene Products
Replies: 37
Views: 2901

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 8:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 76
Views: 6860

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 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6966

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 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Change Direction - Invest or Fix Personal Finance
Replies: 16
Views: 1196

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 9:03 am
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 25
Views: 1869

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 8:38 am
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 25
Views: 1869

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 6:58 am
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2569

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 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: Taxable investing compatible with Boglehead approach?
Replies: 9
Views: 1117

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 11:07 am
 
Forum: Investing - Theory, News & General
Topic: Taxable investing compatible with Boglehead approach?
Replies: 9
Views: 1117

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 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Electric Razors
Replies: 26
Views: 1874

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 10:36 am
 
Forum: Personal Consumer Issues
Topic: Travel To Cancun Area Christmas 2014
Replies: 3
Views: 447

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 9:04 am
 
Forum: Personal Consumer Issues
Topic: What's the best Comcast phone and cable deal?
Replies: 15
Views: 979

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 7:03 pm
 
Forum: Personal Consumer Issues
Topic: Process for organizing and sharing photos
Replies: 11
Views: 778

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 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just finished medical residency. Lots of general ?s
Replies: 14
Views: 1714

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 10:16 am
 
Forum: Personal Consumer Issues
Topic: Verizon: Upgrade iPhone - No longer "Loyal Customer"
Replies: 22
Views: 3728

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 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Invest in Bowflex Max Trainer?
Replies: 25
Views: 1813

Re: Saving for Vehicle Replacement

When my car died, I used cash from my emergency fund to buy a new car, then gradually replenished my emergency fund over the next several months instead of investing.
by climber2020
Fri Oct 03, 2014 9:44 am
 
Forum: Personal Consumer Issues
Topic: Saving for Vehicle Replacement
Replies: 24
Views: 1519

Re: Possible Uninsured Motorist accident

I was hit 2 years ago by an uninsured driver who ran a red light. My uninsured motorist coverage paid for everything with no deductible. My rental car coverage ran out after a month, so I initially had to pay out of pocket for the final week of the 5 total weeks I was without my car, but I eventuall...
by climber2020
Wed Oct 01, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3468

Re: Is my husband a spendthrift? Or I a tightwad?

Sounds to me like you are living beyond your means. I'd go back to the drawing board and take another look at your goals and priorities. It sounds like you are focusing on the little things yet ignoring the HUGE payments you are making for childcare, housing, cars, and vacations. You could fix most...
by climber2020
Wed Oct 01, 2014 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15848

Re: Macbook Air; how much RAM?

Quick update: girlfriend's co-worker is selling her his 2011 Macbook Air 4gb/256 for $400. I took a look at it, and it looks like it's barely been used. Probably won't have the longevity of a brand new Air with 8gb, but at 400 bucks it's a steal.
by climber2020
Thu Sep 18, 2014 3:54 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3276

Re: Macbook Air; how much RAM?

If I'm not mistaken taking the 4 to 8 will help with the onboard video so id go with 8. I think 16 would be over doing it. The airs have a max limit of 8 gb RAM. I think the Macbook Pros can go up to 16. My 2007 white Macbook tops out at 4, but it's still brisk and running as smoothly as it did on ...
by climber2020
Wed Sep 17, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3276

Re: Macbook Air; how much RAM?

Thanks for the replies so far. Girlfriend is not a technology person, so there will be no video editing or running windows through a virtual machine. Longevity is the main concern, as future versions of OS may require more RAM just to function properly. If browsing the web & editing documents is...
by climber2020
Tue Sep 16, 2014 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3276

Macbook Air; how much RAM?

Hi everyone, My girlfriend is looking into getting a Macbook Air for school. Looks like the base level ones come with 4 gb of RAM and it can be upgraded to 8. Any opinions from current owners whether 4 gb is enough? The computer would be used for school - typing word documents, some excel, and power...
by climber2020
Tue Sep 16, 2014 7:21 am
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3276

Re: Poll: Which iPhone 6?

I'm a big Apple fan and have had every iPhone since the verizon 4, but this new lineup and the Apple Watch look pretty weak. For the first time, I don't see any compelling reason to upgrade, especially since I prefer smaller phones. Maybe next year they'll make a legitimate improvement to the camer...
by climber2020
Wed Sep 10, 2014 10:34 am
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3228

Re: Poll: Which iPhone 6?

I'm a big Apple fan and have had every iPhone since the verizon 4, but this new lineup and the Apple Watch look pretty weak. For the first time, I don't see any compelling reason to upgrade, especially since I prefer smaller phones. Maybe next year they'll make a legitimate improvement to the camera...
by climber2020
Tue Sep 09, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3228

Re: What's the worst "too-good-to-be-true" to happen to you?

When I was 13, I got suckered into a Columbia House membership (where they send you 8 CDs for a penny and then the fine print obliges you to buy six more at inflated prices) by a classmate. I've been wary about human beings since that disaster.
by climber2020
Mon Sep 08, 2014 10:26 pm
 
Forum: Personal Consumer Issues
Topic: What's the worst "too-good-to-be-true" to happen to you?
Replies: 23
Views: 2903

Re: Is it time to start using a taxable account?

Do you have access to a 401k? I started off a few years ago investing in my work's 401k and backdoor Roth. Once all my student loans were paid off, I opened a taxable account at Vanguard. When you open one up, it's not actually called a "taxable account"; it's what they label a savings ac...
by climber2020
Mon Sep 08, 2014 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it time to start using a taxable account?
Replies: 17
Views: 2049

Re: Is it time to start using a taxable account?

Do you have access to a 401k? I started off a few years ago investing in my work's 401k and backdoor Roth. Once all my student loans were paid off, I opened a taxable account at Vanguard. When you open one up, it's not actually called a "taxable account"; it's what they label a savings acc...
by climber2020
Mon Sep 08, 2014 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it time to start using a taxable account?
Replies: 17
Views: 2049

Re: Paper or plastic?

What do people with cats do if there are no plastic grocery bags available? I save all my plastic bags and use them to transport cat litter from the litter box to the dumpster outside. I'm curious as to what other people do instead.
by climber2020
Tue Sep 02, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 63
Views: 2995

Re: Husband rear-ended, driver ignoring his insurance

We have a copy of the ticket and looked up the driver's phone number listed on it and we think it's a fake number - it goes to a business that appears to no longer exist. What would you do from here? What happens if the phone # the insurance has for him isn't actually a number that gets to him and ...
by climber2020
Tue Aug 26, 2014 10:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5257

Re: vacation destinations similar to Savannah or Charleston

Been to Key West? It's one of my favorite places.
by climber2020
Tue Aug 26, 2014 10:32 pm
 
Forum: Personal Consumer Issues
Topic: vacation destinations similar to Savannah or Charleston SC
Replies: 28
Views: 2240

Re: Arches-Bryce-Zion road trip: Where to stay?

Near the entrance of Zion is Best Western Zion Park Inn. They had good, clean rooms and an excellent breakfast bar. It's a short drive to the park where you can leave your car and hop on the shuttle.
by climber2020
Tue Aug 26, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: Arches-Bryce-Zion road trip: Where to stay?
Replies: 16
Views: 1158

Re: What documents should you never throw away?

How necessary is it to save the original copies of the various tax related forms? I scan everything and save to multiple drives, and if the situation came up where I got audited, my plan was to simply print the relevant PDFs.
by climber2020
Sat Aug 23, 2014 8:56 am
 
Forum: Personal Consumer Issues
Topic: What documents should you never throw away?
Replies: 17
Views: 1696

Re: Why do we tip restaurant servers?

This topic comes up about once every 3 months here. Short answer is: that's just how it is in the US. Restaurant lobbyists are paid to make sure nothing changes because restaurant owners benefit financially from paying servers $2 and hour and passing the remainder of the cost on to the customers. Se...
by climber2020
Fri Aug 22, 2014 4:59 pm
 
Forum: Personal Consumer Issues
Topic: Why do we tip restaurant servers?
Replies: 44
Views: 2336

Re: Driving in Costa Rica

Any suggestions on rental car companies? I've read some good things about Toyota rent a car. A lot of the big name companies I usually rent from have had some poor reviews.
by climber2020
Fri Aug 22, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Driving in Costa Rica
Replies: 23
Views: 1720

Re: Driving in Costa Rica

Thanks for all the tips. I'll discuss with the friend and may end up just renting a car for a few days.
by climber2020
Fri Aug 22, 2014 8:41 am
 
Forum: Personal Consumer Issues
Topic: Driving in Costa Rica
Replies: 23
Views: 1720

Driving in Costa Rica

Has anyone here ever rented a car in Costa Rica? I'm going there with a friend in December and will be near the Arenal Volcano for 2 nights and San Jose for 2 nights. Our options (so far) are either to hire a private shuttle to take us to and from the volcano or to rent a car. While in San Jose, we ...
by climber2020
Thu Aug 21, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Driving in Costa Rica
Replies: 23
Views: 1720

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: 4625

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: 3344

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: 4625

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: 1746

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: 3388

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: 2246

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: 5632

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: 2246

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: 3492

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: 2246

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: 2246

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: 3492

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: 6
Views: 721
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