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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: 3474

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: 2646

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: 6577

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: 4035

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: 1606

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: 1759

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: 15
Views: 2113

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: 8732

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: 8732

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: 6305

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: 1794

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: 5199

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: 4927

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: 5447

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: 1424

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: 4582

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: 2977

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: 14425

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: 14425

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: 13607

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: 85
Views: 16476

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: 649

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: 3137

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: 13607

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: 7678

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: 1238

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: 3342

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: 3342

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: 2720

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: 1149

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: 1149

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: 1923

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: 514

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: 1047

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: 867

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: 1750

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: 4205

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: 3623

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 8:44 am
 
Forum: Personal Consumer Issues
Topic: Saving for Vehicle Replacement
Replies: 24
Views: 2267

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 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3721

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 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 16932

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 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3452

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 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3452

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 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3452

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 6:21 am
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3452

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 9:34 am
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3321

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 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3321

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 9:26 pm
 
Forum: Personal Consumer Issues
Topic: What's the worst "too-good-to-be-true" to happen to you?
Replies: 23
Views: 3012

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 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it time to start using a taxable account?
Replies: 17
Views: 2110

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 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it time to start using a taxable account?
Replies: 17
Views: 2110
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