Search found 434 matches

by climber2020
Fri Jul 03, 2015 10:59 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 30
Views: 1792

Re: What age did you become debt free and what opportunities did it create?

The only debt that I ever had was a loan from medical school. I paid it off at age 31, a hair over 2 years from when I got my real job out of training. The day I paid it off was one of the greatest days of my life. I still remember it vividly and took a screen shot of the zero balance statement afte...
by climber2020
Tue Jun 23, 2015 8:56 am
Forum: Personal Consumer Issues
Topic: MacBook Pro Worth the money?
Replies: 74
Views: 7522

Re: MacBook Pro Worth the money?

All personal preference. I hate computers and like the simplicity of a Mac. My current computer is a 2007 Macbook - the cheapest and most basic model they sold at the time - and it still works great. For what I do, which is internet use, photo editing, and photo storage, it still fulfills all my nee...
by climber2020
Mon Jun 22, 2015 8:02 am
Forum: Personal Consumer Issues
Topic: Concerns about upcoming Greece visit.
Replies: 26
Views: 2966

Re: Concerns about upcoming Greece visit.

Probably not. I did an uneventful 2 week Greek island hopping tour back in 2010, and even at that time there was a lot of talk and concern about Greece's financial problems. If I were you, I'd just go and enjoy the trip. Take sunscreen.
by climber2020
Sat Jun 20, 2015 7:17 pm
Forum: Personal Consumer Issues
Topic: Your Top 10 Worst Bands/ Musicians and Movies
Replies: 48
Views: 5011

Re: Your Top 10 Worst Bands/ Musicians and Movies

One unique modern day bad band that comes to mind is Nickelback. They're not bad from a technical standpoint; they actually play their instruments competently, and the lead singer has a decent voice and sings on key. But stylistically, they're one of the most unoriginal, contrived bands my ears can ...
by climber2020
Wed Jun 17, 2015 9:41 am
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 7900

Re: Best "All Around Lens" for Nikon DSLRs?

Thanks for all the info. If you are only carrying 1 lens, is there much difference between a 35mm and 50mm lens (assuming they are equally fast)? Which one is better for multipurpose use? Roosevelt. A 35mm lens on a body with a full frame sensor (i.e. not the camera you have) is probably more usefu...
by climber2020
Tue Jun 16, 2015 6:36 pm
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 7900

Re: Best "All Around Lens" for Nikon DSLRs?

Interesting. The Nikon 35mm is generally recommended as the best all-around lens for traveling. Is this the one you have? http://www.adorama.com/nk3518u.html Ken Rockwell writes that this is the lens that he travels with, if he is only going to take one lens. I would stick with the 35mm or upgrade ...
by climber2020
Sun Jun 14, 2015 10:44 pm
Forum: Personal Consumer Issues
Topic: Banff & Jasper with 1.5-yr old daughter.
Replies: 23
Views: 3242

Re: Banff & Jasper with 1.5-yr old daughter.

Take some bug spray.
by climber2020
Thu May 21, 2015 4:54 pm
Forum: Personal Consumer Issues
Topic: Recommendations on digital camera and video camera
Replies: 16
Views: 785

Re: Recommendations on digital camera and video camera

For most people, a Sony RX100 is probably the best combination of price, image quality, and compactness. Takes great videos too. If you're going to read photo blogs to help you decide, Thom Hogan and Ming Thein both have good insights, and their personal photographs are excellent. Ken Rockwell has a...
by climber2020
Sun May 17, 2015 11:00 am
Forum: Personal Consumer Issues
Topic: MDs--Academics or Private Practice?
Replies: 25
Views: 2482

Re: MDs--Academics or Private Practice?

What specialty? I went straight to private practice after training and have had an easier life than the people in my class who got jobs at academic centers. The flexibility is great; I took call at a local hospital my first year out, decided I didn't want to take call anymore, so I stopped. Probably...
by climber2020
Wed May 13, 2015 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Cards are Good
Replies: 46
Views: 4429

Re: Credit Cards are Good

Just wanted to illustrate the legitimacy of blanket statements such as the above.
by climber2020
Wed May 13, 2015 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Credit Cards are Good
Replies: 46
Views: 4429

Re: Credit Cards are Good

It's a complete misnomer to teach people that Alcohol is bad. There are so many benefits to using Alcohol. 1. Alcohol reduces the risk of cardiovascular disease in men and women 2. Alcohol raises levels of high density lipoprotein 3. Gallstone and Diabetes may be less likely to occur by using Alcoho...
by climber2020
Sat May 09, 2015 11:35 pm
Forum: Personal Consumer Issues
Topic: Brand Loyalty
Replies: 60
Views: 4457

Re: Brand Loyalty

Probably. I'm subconsciously manipulated into preferring certain brands over others due to the millions, if not billions of dollars spent in advertising geared toward subtly influencing my personal preferences, even without my being fully aware of it. Just like everyone else; most of whom are either...
by climber2020
Wed May 06, 2015 3:23 pm
Forum: Personal Consumer Issues
Topic: Free time in Prague and Amsterdam .. what to see?
Replies: 18
Views: 1128

Re: Free time in Prague and Amsterdam .. what to see?

The Ossuary in Kutna Hora is an interesting place to visit. It's a short train ride from Prague.
by climber2020
Mon May 04, 2015 2:27 pm
Forum: Personal Consumer Issues
Topic: What Digital Photo Software do you use?
Replies: 4
Views: 412

Re: What Digital Photo Software do you use?

I use Lightroom to edit and then move the edited files over to iPhoto for storage and organization. I have a Mac from either 2007 or 2008, so the new Photos isn't even an option for me, but I've heard from a lot of sources that it's garbage anyway. Can you revert back to older software and use iPhot...
by climber2020
Tue Apr 28, 2015 10:01 am
Forum: Personal Consumer Issues
Topic: [get music from a smartphone to an old car stereo]
Replies: 14
Views: 1140

Re: [get music from a smartphone to an old car stereo]

Try a new cassette tape adapter. In my last car, I used an old tape adapter with my phone to listen to music and had issues with clicking noises. I bought a new, more modern tape adapter (it was a white one made by Phillips), and it sounded significantly better with no clicking.
by climber2020
Mon Apr 27, 2015 6:14 am
Forum: Personal Consumer Issues
Topic: Been invited to wedding in Disney World. My cost?
Replies: 58
Views: 6412

Re: Been invited to wedding in Disney World. My cost?

If I were in your shoes, I would not feel bad at all about skipping this. My significant other and I are also planning to do a similar destination wedding, mainly for one purpose: we want a small wedding, and it would be impossible to have one where we live without offending at least a hundred peopl...
by climber2020
Sun Apr 26, 2015 6:07 pm
Forum: Personal Consumer Issues
Topic: Cost to replace a side view mirror
Replies: 22
Views: 1645

Re: Cost to replace a side view mirror

Called a number of places, but ultimately had the right sideview mirror replaced at an auto body for $351.03. They did an outstanding job! The cost may seem a bit high, but it's not just replacing the sideview mirror. They used OEM parts and there were electronic wirings that had to be repaired, as...
by climber2020
Sun Apr 26, 2015 1:08 pm
Forum: Personal Consumer Issues
Topic: Cost to replace a side view mirror
Replies: 22
Views: 1645

Re: Cost to replace a side view mirror

I went through this recently. Recent base model Toyota camry. Cost at dealership would have been around $400 for parts and labor. I bought a replacement side mirror unit on Amazon for $40. Took the outer shell to a nearby body shop, and they painted it for $50. I looked up instructions on the Intern...
by climber2020
Fri Apr 24, 2015 8:17 am
Forum: Personal Consumer Issues
Topic: Best (Available)Red Wine for under $15 preferrably under $10
Replies: 64
Views: 5938

Re: Best (Available)Red Wine for under $15 preferrably under

I second the motion for 2 buck chuck (Charles Shaw brand at Trader Joe's). I'm not a fan of any of their whites or their Merlot, but the Cab actually isn't too bad. Not the greatest wine by a long shot, but for three bucks it's a great deal for the money.
by climber2020
Fri Apr 24, 2015 7:24 am
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 3611

Re: Who still have Cable TV?

I've had cable for the last several years. Worth the money for live sports.
by climber2020
Thu Apr 23, 2015 8:17 am
Forum: Personal Consumer Issues
Topic: Physicians: What's your vacation policy?
Replies: 28
Views: 3225

Re: Physicians: What's your vacation policy?

I get 6 weeks, not including holidays when the entire office closes. No accrual or other nonsense. I usually take all 6 weeks every year.

I get paid a flat percentage of collections, so the more I work, the more I make.

Most people I know in my field only take 2-3 weeks off per year, which is sad.
by climber2020
Wed Apr 22, 2015 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Handling cash in Vietnam
Replies: 13
Views: 1315

Re: Handling cash in Vietnam

I was in Vietnam a few months ago. The local ATMs there did charge a fee on top of the usual fee charged by the bank; it amounted to something like a dollar per withdrawal. Local credit unions are good for low foreign ATM withdrawal fees. My credit union charges a flat $1 per ATM withdrawal anywhere...
by climber2020
Mon Apr 13, 2015 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Debt
Replies: 3
Views: 736

Re: Student Loan Debt

A related problem is that college degrees have been so devalued over the years that they are borderline useless. I knew some people in high school who could barely compose a paragraph, yet still found several colleges that would take them and their money. College is the new high school.
by climber2020
Fri Apr 10, 2015 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Prenup
Replies: 123
Views: 10485

Re: Prenup

Does anyone here know anything specifically about prenup laws in Tennessee? Also, what is a ballpark typical attorney fee for drafting a basic prenup? (something simple; e.g. in the event of a split, each party's pre-marital assets stay with the individual, assets collected during marriage get divid...
by climber2020
Sat Apr 04, 2015 11:11 pm
Forum: Personal Consumer Issues
Topic: LOL how long do you keep old tax returns
Replies: 39
Views: 3574

Re: LOL how long do you keep old tax returns

I keep the PDFs saved to my computer and email myself a copy so it's stored online as well. Every year's W2 gets scanned using Turboscan on my phone; takes 30 seconds. It's been years since I've printed out a paper tax return.
by climber2020
Fri Mar 27, 2015 9:05 am
Forum: Personal Consumer Issues
Topic: Best portable mattress/bed?
Replies: 12
Views: 1148

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
Wed Mar 25, 2015 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance Vs. 401K/IRA
Replies: 9
Views: 753

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
Mon Mar 23, 2015 1:43 pm
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 15166

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 1:40 pm
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 15166

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
Sat Mar 21, 2015 11:53 pm
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 71
Views: 7946

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 9:52 pm
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 71
Views: 7946

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 8:58 pm
Forum: Personal Consumer Issues
Topic: Restaurant Tipping, No Waiter/Waitress
Replies: 18
Views: 3049

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
Tue Mar 17, 2015 11:28 am
Forum: Investing - Theory, News & General
Topic: Five most important things to be a successful investor?
Replies: 38
Views: 4726

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

Time
Money
Humility
Self control
Critical thinking skills
by climber2020
Mon Mar 16, 2015 3:18 pm
Forum: Personal Consumer Issues
Topic: Savannah
Replies: 28
Views: 3759

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
Sat Mar 14, 2015 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Physician tail coverage
Replies: 20
Views: 2685

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
Thu Mar 12, 2015 9:36 am
Forum: Personal Consumer Issues
Topic: $600 night guard for teeth grinding, really?
Replies: 92
Views: 6783

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 5:06 am
Forum: Personal Consumer Issues
Topic: Board certification alternative (medicine)
Replies: 10
Views: 1295

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
Wed Mar 11, 2015 1:15 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 398
Views: 31324

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 12:33 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 398
Views: 31324

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
Tue Mar 10, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 398
Views: 31324

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 8:07 am
Forum: Personal Consumer Issues
Topic: Trip to [Zihuatanejo] Mexico
Replies: 37
Views: 3720

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
Sun Mar 08, 2015 3:52 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying electric shaver
Replies: 29
Views: 2068

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
Sat Mar 07, 2015 1:26 pm
Forum: Personal Consumer Issues
Topic: How to store/archive old photos?
Replies: 29
Views: 3067

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 Feb 28, 2015 9:20 pm
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 47
Views: 6424

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
Fri Feb 27, 2015 10:10 am
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 47
Views: 6424

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
Thu Feb 26, 2015 4:53 pm
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 70
Views: 5364

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: 5364

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
Wed Feb 25, 2015 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 10633

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 7:15 am
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 10633

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 7:14 am
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 10633

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.

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