Search found 273 matches

Return to advanced search

Re: POLL: why carry cash?

Can't use credit cards between friends or on the black market.
by climber2020
Sat Apr 19, 2014 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 68
Views: 1305

Re: please advice - self managed vs balanced fund

sayeesh wrote:My question is: for a person like me(not sure of where I retire) can you recommend the % split in US total stock market index fund vs % in total international stock market index fund.


http://www.bogleheads.org/wiki/Three-fu ... nal_stocks
by climber2020
Thu Apr 17, 2014 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: [please advise] - self managed vs balanced fund
Replies: 10
Views: 538

Re: Looking for Low-Cost Eyeglass Shop I can visit

I know I could easily have gotten my prescription before, but having to actually ask for it is a tiny bit off-putting, and I found that I kept delaying asking so much that my prescription changed again and it wouldn't have been useful. I put this off as well, and I ended up using a year old scipt'....
by climber2020
Wed Apr 16, 2014 9:14 pm
 
Forum: Personal Consumer Issues
Topic: Looking for Low-Cost Eyeglass Shop I can visit
Replies: 25
Views: 1359

Re: Toaster Ovens

I have a basic Cuisinart that I got about 15 years ago, I think from Walmart, and it still works like a champ. I think more important than the specific brand and model is using the same one for many years and learning its nuances.
by climber2020
Wed Apr 16, 2014 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Toaster Ovens
Replies: 15
Views: 934

Re: Looking for Low-Cost Eyeglass Shop I can visit

How about Costco? My patients seem to be happy with the glasses from there.
by climber2020
Tue Apr 15, 2014 11:51 pm
 
Forum: Personal Consumer Issues
Topic: Looking for Low-Cost Eyeglass Shop I can visit
Replies: 25
Views: 1359

Re: Favorite Investing Book?

Personal Finance for Dummies by Eric Tyson. It's the one that started it all for me and led me to this website.
by climber2020
Wed Apr 09, 2014 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Favorite Investing Book?
Replies: 42
Views: 3169

Re: Question for photographers: how is this done?

Thanks for the info everyone. I may play around with some software this weekend and see if I can get some interesting pictures in this style.
by climber2020
Wed Apr 09, 2014 8:40 am
 
Forum: Personal Consumer Issues
Topic: Question for photographers: how is this done?
Replies: 15
Views: 1370

Re: Brown bagging in a more formal office

I wear a button up shirt and tie to work every day and have been transporting my lunch in a brown bag for over 5 years. I'm the only one that does this, so there's never any mistaking which lunch is mine. New employees tend to find the brown bag fascinating; it's a nice conversation piece.
by climber2020
Wed Apr 09, 2014 8:38 am
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 2984

Re: Question for photographers: how is this done?

No indication that it's an authentic view. I was thinking there might be some photoshop magic going on, but was hoping that maybe there's some cool technique that I just didn't know about yet.
by climber2020
Mon Apr 07, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Question for photographers: how is this done?
Replies: 15
Views: 1370

Question for photographers: how is this done?

I came across this photo today and am curious if anyone knows how something like this is accomplished: http://500px.com/photo/66204473 http://500px.com/photo/60103118 I've been experimenting with some impressionistic photo techniques where you slow the shutter speed down and pan the camera while sho...
by climber2020
Mon Apr 07, 2014 4:18 pm
 
Forum: Personal Consumer Issues
Topic: Question for photographers: how is this done?
Replies: 15
Views: 1370

Re: Moving Advice: How do I make my move economical?

How about selling the old car, buying a new car, and driving the new car to Colorado?

You're going to want a car in Colorado; there are so many great things to do in that state.
by climber2020
Sun Apr 06, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving Advice: How do I make my move economical?
Replies: 16
Views: 874

Re: Vitamins instead of prescription meds?

Go for it, but it ain't homeopathic which is totally bogus, so I am sorry you used that word because it is not really what you meant. Of course, you should design experiments so that you can empirically test the results. In order to do this, one would need equipment to verify the contents of the vi...
by climber2020
Mon Mar 31, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: Vitamins instead of prescription meds?
Replies: 10
Views: 562

Re: Mr. Money Mustache: Hero or Foolish?

That said, if someone in his family comes down with a health condition, or his kid decides to go to college, it could be a struggle. That is exactly what I was wondering about. http://www.mrmoneymustache.com/2011/09/21/i-can-never-retire-because-of-health-insurance-waaah-waaah/ http://www.mrmoneymu...
by climber2020
Mon Mar 31, 2014 10:47 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 225
Views: 23890

Re: BH Vacations

I really want to go on a vacation, but I want people to go with me. Contiki. They run group tours that only allow people ages 18-35. Most travelers are solo, but after a few days you have a great group of new friends to sightsee and party with. I've done several of these, and they're some of the be...
by climber2020
Sun Mar 30, 2014 11:12 pm
 
Forum: Personal Consumer Issues
Topic: BH Vacations
Replies: 50
Views: 3187

Re: Taxable Accounts Funds and Allocations

Forgive me if this has been discussed (i'm sure it has) I attempted to use the forum search but didn't find an answer. My wife and I are in our early 30's and max out all of our tax advantaged accounts and we are happy where we are with those thanks in part to great advice I have found on this foru...
by climber2020
Fri Mar 28, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable Accounts Funds and Allocations
Replies: 15
Views: 910

Re: Thinking About a New Laptop

The photos I'm going to move onto the new laptop were saved using Nikon's software on a Windows based machine. My computer guy tells me they won't transfer over to an Apple machine, so I was thinking of sticking with a Windows OS. I don't know enough about it to tell if he is right or wrong, but I ...
by climber2020
Thu Mar 27, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Thinking About a New Laptop
Replies: 45
Views: 2356

Re: Thinking About a New Laptop

The photos I'm going to move onto the new laptop were saved using Nikon's software on a Windows based machine. My computer guy tells me they won't transfer over to an Apple machine, so I was thinking of sticking with a Windows OS. I don't know enough about it to tell if he is right or wrong, but I ...
by climber2020
Thu Mar 27, 2014 4:28 pm
 
Forum: Personal Consumer Issues
Topic: Thinking About a New Laptop
Replies: 45
Views: 2356

Re: Upcoming European Vacation - Currency Exchange Questions

1. ATM card with no/low foreign transaction fee. Local credit unions usually have minimal fees, whereas banks like Wells Fargo charge you $5 plus 2% every time you make a foreign withdrawal. 2. Credit card with no foreign transaction fee. Capital One is a good one. 3. A little bit of US dollars. The...
by climber2020
Wed Mar 26, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Upcoming European Vacation - Currency Exchange Questions
Replies: 27
Views: 1242

Re: Load-Waived A-Share Funds Better Than Indexing?

how2manage wrote:If possible I'm looking for hard evidence.


Here's a link to the Carhart study from 1997:

http://faculty.chicagobooth.edu/john.cochrane/teaching/35150_advanced_investments/Carhart_funds_jf.pdf
by climber2020
Wed Mar 26, 2014 8:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Load-Waived A-Share Funds Better Than Indexing?
Replies: 30
Views: 1148

Re: Options for the medical grad but no residency

She has to complete a year of residency and pass step 3 otherwise medical school was a supreme waste of time and money. Just have her do the easiest transitional year she can find. Transitional year programs, especially the nice ones that don't require you to work long hours, are extremely difficul...
by climber2020
Sun Mar 23, 2014 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 95
Views: 7153

Re: Best smartphone in 2014?

If you're looking for the best camera, go for iPhone. Can't beat it's picture quality and details. I'm very happy with the camera on my 5S. In my opinion, the cameras in the 4S and newer are very competent in good light. Nokia makes a few phones with a 41 mp camera that have relatively large sensor...
by climber2020
Wed Mar 19, 2014 4:18 pm
 
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 2231

Re: Point & Shoot Camera for a Senior

I don't want to hijack this thread, but I think my question fits in. We were recently on vacation in the Caribbean, and I did not feel like lugging my Nikon D4 and its associated 2.8 lenses with me (if you're not familiar with them, they are large and heavy). I got a Nikon 110 for the trip, and dis...
by climber2020
Wed Mar 19, 2014 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Point & Shoot Camera for a Senior
Replies: 22
Views: 849

Re: Point & Shoot Camera for a Senior

SnapShots wrote:The ELPH 130 - has ONE more F stop than the PowerShot


I think you have the f stops of the 2 cameras mixed up. The Elph 130 has an f stop of 3.2.

http://www.usa.canon.com/cusa/consumer/ ... ifications
by climber2020
Wed Mar 19, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Point & Shoot Camera for a Senior
Replies: 22
Views: 849

Re: Point & Shoot Camera for a Senior

The picture quality between the Elph and the A is pretty similar. The A series takes regular AA batteries, which may or may not be convenient, while the Elph has a small rechargeable battery that will typically last years. Low light pictures will be poor with any of the above choices. Any camera in ...
by climber2020
Wed Mar 19, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: Point & Shoot Camera for a Senior
Replies: 22
Views: 849

Re: Less is Beautiful

I can relate to living in a minimalist fashion, but the last thing you want to do is compulsively get rid of all your stuff, realize a few weeks later that you really need/want some of those things, and buy new versions at higher prices. I have the newest ipad, but I use it every day and also spend ...
by climber2020
Wed Mar 19, 2014 7:31 am
 
Forum: Personal Consumer Issues
Topic: Less is Beautiful
Replies: 29
Views: 4228

Re: Point & Shoot Camera for a Senior

For her purposes that would probably be fine. Have you looked at the Canon Elph 130? They're on sale at Amazon for a little over $100. Just put it in Auto mode and fire away.

At that price range, just about every camera is going to be on the slow side when it comes to performance.
by climber2020
Tue Mar 18, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Point & Shoot Camera for a Senior
Replies: 22
Views: 849

Re: Girl Scout Cookies

Keebler Grasshoppers. You can buy them at Walmart. I don't eat cookies, but I've heard they're tastier than the Girl Scout ones.
by climber2020
Tue Mar 18, 2014 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Girl Scout Cookies
Replies: 22
Views: 2066

Re: Tipping should be based on time not amount

JonnyDVM wrote: You should ask her opinion of people coming in after church on Sunday for lunch. I'll give you a hint- it's clear that stiffing your waitress isn't considered a sin.


[OT comments removed by admin LadyGeek]
by climber2020
Tue Mar 18, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Tipping should be based on time not amount
Replies: 33
Views: 1935

Re: Tipping should be based on time not amount

I've really been thinking about this more and feel tipping should be based on the amount of work done for you not just a percentage of the price. For those who like to get massages, those people work WAY harder than people who cut hair, waiters or bartenders but seem to get the lowest tips for the ...
by climber2020
Tue Mar 18, 2014 9:21 am
 
Forum: Personal Consumer Issues
Topic: Tipping should be based on time not amount
Replies: 33
Views: 1935

Re: Cousin's Wedding

Is it at least open bar? If I had to contribute that much to a wedding, that's where I'd make my money back :sharebeer
by climber2020
Sat Mar 15, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Cousin's Wedding
Replies: 53
Views: 3561

Re: Help with portfolio for 25 year old newly married

My parents are going to pay for my tuition costs, which is a huge plus so I can use the money I have saved up so far to either invest or to use as a down payment on a home. If you plan on going to medical school, don't buy a house. You have no idea where you will end up for school, and you will lik...
by climber2020
Tue Mar 11, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio for 25 year old newly married
Replies: 7
Views: 726

Re: What video games are you currently playing?

This may be of some interest to this crowd:

http://news.yahoo.com/producer-reveals- ... 47742.html

Looks like they're planning on digging up all the ET games they put in a landfill back in the day. I've always found the story surrounding this disaster of a game fascinating.
by climber2020
Mon Mar 10, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4211

Re: New York TImes/WSJ

Barefootgirl wrote:Hi, thanks - can I ask how you view for free? after a few articles, they block me until I pay.

thanks BFG


Put your browser in privacy mode. When you hit your limit, close the browser, reopen it, and put it in privacy mode again.
by climber2020
Sun Mar 09, 2014 9:20 am
 
Forum: Personal Consumer Issues
Topic: New York TImes/WSJ [paper vs. online subscriptions]
Replies: 40
Views: 2119

Re: What video games are you currently playing?

Threes and Beat Sneak Bandit for ipad/iphone. Excellent puzzle games that require some thought.

The last real game I recently played was the latest 3DS Legend of Zelda. Good game, but a bit too easy.
by climber2020
Fri Mar 07, 2014 5:22 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4211

Re: your lowest exspense ratio fund in 401

The lowest ER, fees included, is Vanguard Total Stock at 1.30%. It's unfortunate.
by climber2020
Fri Mar 07, 2014 8:28 am
 
Forum: Personal Finance (Not Investing)
Topic: your lowest exspense ratio fund in 401
Replies: 31
Views: 1569

Re: When is the best time to book a flight?

No one really knows. I go on several vacations a year and typically start tracking prices daily about 6 months before each trip. To satisfy my curiosity, I continue looking at prices even after I buy my ticket. I've seen situations where the lowest price occurred 5 months out and other times where t...
by climber2020
Wed Mar 05, 2014 2:15 pm
 
Forum: Personal Consumer Issues
Topic: When is the best time to book a flight?
Replies: 11
Views: 1184

Re: Planning first trip to Oregon and Seattle - advice sough

Surfsand Resort is a nice place to stay in Cannon Beach. Great location that is walkable from the main part of town, and they have excellent Tempurpedic mattresses. Take one day while you're there and go to Ecola Park. You can hike through some trees and make your way down to a secluded beach that i...
by climber2020
Tue Mar 04, 2014 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Planning first trip to Oregon and Seattle - advice sought!
Replies: 40
Views: 1693

Re: washing machine - front loader or HE top loader?

Are there any front loaders nowadays that can be opened mid-wash if you have a forgotten article of clothing that needs to be thrown in? The last front loader that I used regularly couldn't do this, and I found it inconvenient.
by climber2020
Mon Mar 03, 2014 3:28 pm
 
Forum: Personal Consumer Issues
Topic: washing machine - front loader or HE top loader?
Replies: 52
Views: 2765

Re: Unexpected vacation opportunity.

A place I've been eyeballing for the near future is Easter Island, which is accessed via the most remote airport in the world. Ever since playing Super Mario Land on the original Gameboy, I've wanted to go see those huge stone heads.
by climber2020
Wed Feb 26, 2014 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Unexpected vacation opportunity.
Replies: 13
Views: 1566

Re: Layover in Amsterdam

The Heineken factory tour is good if you like beer. The Heineken over there tastes much better than the inferior version that is sold in the US.
by climber2020
Tue Feb 25, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: Layover in Amsterdam
Replies: 23
Views: 1040

Re: Should I Get Cheap Personal Loan & Invest It?

This is the legendary thread referenced above:

viewtopic.php?t=5934
by climber2020
Tue Feb 25, 2014 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Get Cheap Personal Loan & Invest It?
Replies: 72
Views: 3678

Re: Kindle eBook, "Thinking, Fast and Slow", $2.99

There's a review on amazon that says the formatting of the kindle version is unsatisfactory (e.g. tables not looking right, footnote system poorly done). Any comments on whether or not this is a significant problem?
by climber2020
Tue Feb 18, 2014 8:27 pm
 
Forum: Personal Consumer Issues
Topic: Kindle eBook, "Thinking, Fast and Slow", $2.99
Replies: 15
Views: 1391

Re: Travel to Greece

Agree with the above statement: one full day in Athens is plenty for most people. Compared to the islands, Athens is a hole, and it's one of the few places in the world I don't ever care to return to. Traveling around on the subway is fairly easy. Santorini is great. Most everyone we ran into spoke ...
by climber2020
Sat Feb 15, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 22
Views: 1060

Re: "Oldies" for young people - what's popular?

Obligatory relevance statement: Knowing what music is popular can make gift-giving easier (i.e., informed gift-giving) and win points with relatives. If you're planning on gifting music, please consider an iTunes gift card so the person can buy what they actually want. I can't recall how many times...
by climber2020
Mon Jan 27, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 38
Views: 3199

Re: New 401k & Bonds

No stable value option? I don't see one specifically labeled stable value. There is a Fixed Select Option that has a rate of return of 1.50%. The interest rate changes quarterly. Perhaps you can use only VTSAX in the 401k and then use the roth to hold bonds. Not optimal but overcoming a 1.5% drag o...
by climber2020
Mon Jan 20, 2014 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k & Bonds
Replies: 6
Views: 212

Re: New 401k & Bonds

Every available fund has total expenses in the 1.30% to 2.00% range. I get a generous employer match, which somewhat makes up for the ridiculous fees.

VTSAX is lowest at 1.30%, and I plan to use that for my equity allocation.
by climber2020
Mon Jan 20, 2014 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k & Bonds
Replies: 6
Views: 212

New 401k & Bonds

My employer is switching 401k providers (again) to Nationwide, and there is only one bond fund available: RBFGX. ER=0.25%, mgmt fees=1.25%; total fees = 1.50% Would this fund be suitable as my only bond fund? For purposes of simplicity, I have all my bond allocation within my 401K. With the old 401k...
by climber2020
Mon Jan 20, 2014 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k & Bonds
Replies: 6
Views: 212

Re: Best Comfort and Best Workout Clothes

I own several Columbia Titanium Omni Dry short sleeve shirts that are great for travel and exercise. They're polyester but don't feel like polyester and will last years as long as you hang dry them and don't put them in the dryer.
by climber2020
Sun Jan 19, 2014 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Best Comfort and Best Workout Clothes
Replies: 28
Views: 2753

Re: Vietnam visa requirement

Thanks to everyone for replying. I'll look into the various options.

I'm going with a tour group so my schedule is fixed, but a river cruise near Saigon is part of the itinerary. Can't wait :D
by climber2020
Tue Jan 14, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: Vietnam visa requirement
Replies: 13
Views: 874

Re: Vietnam visa requirement

Thanks for the info. I'll be flying into SGN and am getting there with plenty of time to spare, so everything should be good.
by climber2020
Mon Jan 13, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Vietnam visa requirement
Replies: 13
Views: 874
Next

Return to advanced search