Search found 463 matches

by climber2020
Thu Aug 27, 2015 4:49 pm
Forum: Personal Consumer Issues
Topic: Apartment security deposit problem
Replies: 14
Views: 1392

Re: Apartment security deposit problem

I own a few rental houses. The security deposit of most tenants, at least some %, goes back to wear and tear. I'm surprised they haven't brought that up to you and said there's at least $100 of work that needs to be done to the unit to make it marketable again. Other than damage caused by incompete...
by climber2020
Thu Aug 27, 2015 4:34 pm
Forum: Personal Consumer Issues
Topic: Apartment security deposit problem
Replies: 14
Views: 1392

Re: Apartment security deposit problem

This situation may be worth your time. Your state has stringent requirements for security deposits to always remain your money by always being in a separate bank account. The penalty for not doing so is 3 times your security deposit. Read more here: http://www.masslegalhelp.org/chapter-3-security-d...
by climber2020
Thu Aug 27, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: Apartment security deposit problem
Replies: 14
Views: 1392

Re: Apartment security deposit problem

Ged wrote:For complaints like this I go to the Attorney General. I don't know where you live but there might me a form like this:

https://www.ag.ny.gov/sites/default/fil ... curity.pdf


Wow. That's quite helpful. Thank you!
by climber2020
Thu Aug 27, 2015 1:37 pm
Forum: Personal Consumer Issues
Topic: Apartment security deposit problem
Replies: 14
Views: 1392

Re: Apartment security deposit problem

First question: ? Second question: Spend no more than $50 worth of your time and emotional energy on trying to resolve it. This assumes that $100 is not going to make or break you. $100 is not a big deal. Taking even a few hours off of work to go to small claims court would cost me way more in lost...
by climber2020
Thu Aug 27, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: Apartment security deposit problem
Replies: 14
Views: 1392

Apartment security deposit problem

Hey everyone. I've been living in the same apartment unit for the last 6 years. The original owners of the building, after mismanaging the place for many years, ran out of cash and ended up selling the entire building to new ownership and management a few months ago. During the transfer, they botche...
by climber2020
Tue Aug 25, 2015 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Cost for prenup
Replies: 15
Views: 1471

Re: Cost for prenup

Thanks for all the comments so far.

mholdi1540 wrote: If you future spouce is not in agreement then get up and walk out of the door.


Future spouse is definitely in agreement; I actually brought this up very early in our relationship, so no surprises here.
by climber2020
Mon Aug 24, 2015 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Cost for prenup
Replies: 15
Views: 1471

Re: Cost for prenup

I'm in Tennessee. One of the smaller cities here. If it makes any difference, our financial situations are fairly simple. All my assets outside of my 401k are invested at vanguard. My fiancé's net worth is negative due to student loans, which will not be paid off by the time we tie the knot. Neither...
by climber2020
Mon Aug 24, 2015 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Cost for prenup
Replies: 15
Views: 1471

Re: Cost for prenup

All very good points. I would not even consider trying to do this myself or online. With all the issues just mentioned, is it still advisable to get one of these? It'd be nice to know some statistics on how often these agreements hold up in court.
by climber2020
Mon Aug 24, 2015 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Cost for prenup
Replies: 15
Views: 1471

Re: Cost for prenup

Did you each draft your own prenups, or did one party draft it and the other one just review it and suggest alterations?
by climber2020
Mon Aug 24, 2015 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Cost for prenup
Replies: 15
Views: 1471

Cost for prenup

Hi all, Does anyone know a ballpark estimate of what it costs to draft a straightforward prenuptial agreement? Something fairly simple: assets/debt acquired prior to marriage stay with each individual, assets acquired during marriage get evenly split, and no spousal support in the event of a separat...
by climber2020
Mon Aug 24, 2015 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: VTIAX and VTSAX TLH alternatives?
Replies: 5
Views: 423

Re: VTIAX and VTSAX TLH alternatives?

FTSE All World Ex US
by climber2020
Sat Aug 22, 2015 11:40 am
Forum: Investing - Theory, News & General
Topic: Deciding allocation for new investments during a market correction or possibly a Bear market
Replies: 17
Views: 932

Re: Deciding allocation for new investments during a market correction or possibly a Bear market

If I had existing cash reserves, I would invest in the market like Warren Buffet does when the market is at a discount like now. If you were holding on to cash reserves to invest at a "discount", the time to do it was likely long before this week. http://i58.tinypic.com/64467q.png
by climber2020
Fri Aug 21, 2015 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: With Stock Market heading south
Replies: 95
Views: 11266

Re: With Stock Market heading south

I'm thinking I won't remember much of this week in 35 years when I actually need this money. Yesterday I did my first tax loss harvest in my international allocation which will significantly increase my tax return this year. Today I got paid, so just like on every other 2nd Friday for the last few y...
by climber2020
Thu Aug 20, 2015 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing: Investing with friend
Replies: 56
Views: 2527

Re: New to investing: Investing with friend

I wanted to get your thoughts on if these costs are reasonable. Thank you. No. They are not. And this person is not your friend. I bet the next thing that happens is he tries to sell you Whole Life insurance. I had a similar experience and ended up getting ripped off for about 2 years before readin...
by climber2020
Thu Aug 20, 2015 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest; recent purchase of shares
Replies: 5
Views: 327

Re: Tax Loss Harvest; recent purchase of shares

Thanks for the advice everyone. Also note that a dividend will be paid about this time next month. I suggest that you avoid getting the VFWAX dividend by selling the day before and buying back VTIAX the day after it pays its dividend. What if VFWAX is up 8% a month from now? I wouldn't want to sell ...
by climber2020
Thu Aug 20, 2015 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest; recent purchase of shares
Replies: 5
Views: 327

Tax Loss Harvest; recent purchase of shares

Hi everyone. My Vanguard Total International in my taxable account is down enough to the point where I'd like to harvest the losses. I was reading the wash sale rules and noticed that this also includes shares bought 30 days before the sale. I invest every two weeks with every paycheck, so I have tw...
by climber2020
Tue Aug 11, 2015 9:43 am
Forum: Personal Consumer Issues
Topic: Anyone not own a Smartphone
Replies: 76
Views: 4091

Re: Anyone not own a Smartphone

I think I could do fine without one if I had an easy, reliable method of accessing Google Maps and GPS. I'm an absolute dunce when it comes to directions, and having a resource like that in my pocket has been a tremendous help in my life. Other than Google Maps and a few travel apps like Delta and ...
by climber2020
Tue Aug 11, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: Anyone not own a Smartphone
Replies: 76
Views: 4091

Re: Anyone not own a Smartphone

I think I could do fine without one if I had an easy, reliable method of accessing Google Maps and GPS. I'm an absolute dunce when it comes to directions, and having a resource like that in my pocket has been a tremendous help in my life. Other than Google Maps and a few travel apps like Delta and S...
by climber2020
Sun Aug 02, 2015 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Physician Asset Protection
Replies: 35
Views: 3905

Re: Physician Asset Protection

Good malpractice insurance, which your practice should provide. Make sure you know who pays the tail coverage when your first job doesn't work out. That can be quite an unexpected expense if it's you that has to pay for it. Reading some books on customer service might be good too. People generally d...
by climber2020
Tue Jul 28, 2015 8:35 am
Forum: Investing - Theory, News & General
Topic: [parents read] Death of Money [- suggestions?]
Replies: 6
Views: 984

Re: Death of Money

Has anyone read these and have any salient points they can offer? No. But I can say for certain that if I knew what was going to happen in the near future, I would use that knowledge to profit off of the ignorant and uninformed, and I would certainly not write a book about it and divulge my secrets...
by climber2020
Wed Jul 22, 2015 12:39 pm
Forum: Personal Consumer Issues
Topic: Multifocal Contact Lenses
Replies: 8
Views: 875

Re: Multifocal Contact Lenses

Do a trial pair for a few weeks. Most of my patients like these, but some hate them. Only way to know is to try them out and go from there. If it fails, you can always go back to monovision.
by climber2020
Wed Jul 22, 2015 9:49 am
Forum: Personal Consumer Issues
Topic: Problem w/ vehicle, dealership shrugs shoulders
Replies: 24
Views: 2356

Re: Problem w/ vehicle, dealership shrugs shoulders

Call Ford Consumer Affairs. A number should be on their website. My girlfriend had a serious problem with her relatively new car and the dealership refused to fix it, so we called consumer affairs at the company headquarters. The ended up sending out an engineer to the local dealership who diagnosed...
by climber2020
Tue Jul 21, 2015 9:02 pm
Forum: Personal Consumer Issues
Topic: Greatest money lesson movie
Replies: 71
Views: 7114

Re: Greatest money lesson movie

indexmonkey wrote:What movie do you think had a great money message? Good or bad.....

My vote would be for "the treasure of the Sierra madre"


This was the first movie that came to mind as well. Excellent movie. One of the very few that I own.
by climber2020
Thu Jul 16, 2015 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads carry thin wallets? What's in your wallet?
Replies: 34
Views: 1955

Re: Do Bogleheads carry thin wallets? What's in your wallet?

Normal sized trifold wallet here, but it always goes in the front pocket. I don't think I've carried a wallet in my back pocket since I was 12. Too paranoid about getting it stolen and too uncomfortable in the back.
by climber2020
Sat Jul 11, 2015 12:04 pm
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8805

Re: The Brainwashing of the American Investor

Can't speak to the technicalities of this method, but if I had any system that consistently produced spectacular results without fail, the last thing I would do is write a book about it and divulge my secrets to the entire world. Looking forward to the replies by those here who are more knowledgeabl...
by climber2020
Sat Jul 04, 2015 12:44 pm
Forum: Personal Consumer Issues
Topic: Camera Experts Wanted
Replies: 36
Views: 2255

Re: Camera Experts Wanted

The only camera that immediately comes to mind that fills most of your needs in the price range you stated is a refurbished Canon G15, which can often be found on sale for $250 on Canon's website. It's one of the few recently made compact digital cameras that still has an optical viewfinder. It has ...
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: 95
Views: 9479

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: 79
Views: 9175

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: 3161

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: 5487

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: 8829

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: 8829

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: 24
Views: 3637

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: 820

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: 2609

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: 4615

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: 4615

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: 4689

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: 1234

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: 446

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: 1217

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: 6946

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: 2187

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: 2187

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: 6450

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: 3972

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: 3433

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.

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