Search found 592 matches

by climber2020
Mon May 02, 2016 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House
Replies: 58
Views: 4446

Re: How Much House

Bought my first house a few months ago. Price was a little less than half my annual income. Could have paid cash, but did a 15 year mortgage because the rates were so low. Around 1200 square feet in a low cost of living area. I don't want kids and don't have much stuff, so the size is perfect. Havin...
by climber2020
Mon May 02, 2016 6:40 pm
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 101
Views: 6946

Re: I bought the wrong car - know it after 15 days

Why do you assume that the Lexus will be any better on your back?

It'd be a shame if you went through all the hassle of trading cars only to end up with the same problem.
by climber2020
Sun May 01, 2016 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Couples: Are you and your significant other on the same page financially?
Replies: 49
Views: 3340

Re: Couples: Are you and your significant other on the same page financially?

Future spouse and I are both frugal. If I married a big spender, we would be divorced within a few years.
by climber2020
Sun May 01, 2016 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: In-Law's Sketchy Investment Advice
Replies: 13
Views: 1595

Re: In-Law's Sketchy Investment Advice

Sounds like an absolute disaster. But I also don't particularly want to fund their next 30 years of retirement... So don't. There's no way I would ever fund an in-law's retirement, and neither should you. From similar threads I've read on here, if you say something, then either they take your advice...
by climber2020
Sat Apr 30, 2016 11:00 pm
Forum: Personal Consumer Issues
Topic: Atlanta in August -- worth it?
Replies: 51
Views: 2551

Re: Atlanta in August -- worth it?

It's the same as any other large city. Depending on how adventurous you are, if you want to see something that you won't find anywhere else in the world and will remember for the rest of your life, spend a Friday or Saturday evening at the Clermont Lounge.
by climber2020
Sat Apr 30, 2016 8:45 pm
Forum: Personal Consumer Issues
Topic: Bogleheads like PC Gaming?
Replies: 33
Views: 2122

Re: Bogleheads like PC Gaming?

If you like RPGs, take a look at Undertale. Completely retro with 8 bit graphics and sound, but a very, very well made game.
by climber2020
Sat Apr 30, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: Dress Pants
Replies: 13
Views: 1611

Re: Dress Pants

I get all my dress pants from Kohls. I forget the exact brand, but they're made of a wrinkle free poly blend material and look nice for the price. Each pair has lasted me about 5 years of regular use.

Why have you gained 15 pounds in 4 months?
by climber2020
Thu Apr 21, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: The Secret Shame of Middle-Class Americans(Middle Class Americans Living Paycheck To Paycheck)
Replies: 3
Views: 1715

Re: The Secret Shame of Middle-Class Americans(Middle Class Americans Living Paycheck To Paycheck)

What a tool. He knows exactly what the problem is that got him into his current situation, yet discusses no concrete plan to fix it and instead blames society.
by climber2020
Tue Apr 19, 2016 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Why am I still scared ? Is it actually normal ?
Replies: 59
Views: 6565

Re: Why am I still scared ? Is it actually normal ?

I may be somewhat different in this respect. I have a target in mind and would be happy to have a nest egg that would generate 85-100 K after the kids are done with college. So 2.5 - 3 MM would be enough for me. The main thing for me is to get financial independence asap, where I can have a comfort...
by climber2020
Mon Apr 18, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 52
Views: 2581

Re: Passport photo DIY - anyone done it easily?

I did this using the template of the official US government passport website and my point and shoot camera zoomed in to about an 85mm equivalent focal length. No problem getting it accepted the first time. I do the same for visa photos as well. You can use a program like GIMP or Photoscape to copy m...
by climber2020
Sun Apr 17, 2016 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Medical School preparation Pointers for a Sophomore Student
Replies: 48
Views: 2998

Re: Medical School preparation Pointers for a Sophomore Student

Let me ask the forum a question: if high GPA is so critical, would it not make sense for undergrad student to pick easier major in college than biomedical engineering? Something that the student finds really interesting and can also excel at to get desired high GPA? Unless med schools weigh difficu...
by climber2020
Sun Apr 17, 2016 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Medical School preparation Pointers for a Sophomore Student
Replies: 48
Views: 2998

Re: Medical School preparation Pointers for a Sophomore Student

What is the difference between an osteopathic program, as compared to an MD program If you get accepted to an MD school in the United States, you go to that school. If you can't get into the MD school, you try for the osteopathic school. If you can't get into the osteopathic school, you go to medic...
by climber2020
Wed Apr 13, 2016 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: I'll be a Boglehead Friday. Any advice?
Replies: 93
Views: 6402

Re: I'll be a Boglehead Friday. Any advise?

RUN!!! If you're too tired to run, HIDE!!! Cancel the appointment, change your phone number, move to a new address. Think of dealing with this broker the chance to simply give all your money to him instead of to your kids someday. I honestly feel you'd be better off putting the money into an Ally 5...
by climber2020
Mon Apr 11, 2016 5:39 pm
Forum: Personal Consumer Issues
Topic: Rental Car Help
Replies: 29
Views: 1591

Re: Rental Car Help

To piggyback on this question, do you guys buy insurance from the rental company while renting a car? I have always relied on my credit card company taking care of things if something happens, but wondering if that is unwise strategy. No. Huge rip off. If my credit card doesn't cover it (it does), ...
by climber2020
Mon Apr 11, 2016 1:53 pm
Forum: Personal Consumer Issues
Topic: Rental Car Help
Replies: 29
Views: 1591

Re: Rental Car Help

Rates can change frequently. I usually book early - sometimes 6 months or more in advance - and every few weeks, I'll re-check prices. If they've dropped, which they almost always do at some point, I modify my existing reservation by half an hour and lock in the new price. Repeat every few weeks. I ...
by climber2020
Sat Apr 09, 2016 6:01 pm
Forum: Personal Consumer Issues
Topic: All electric car - what if get stranded?
Replies: 34
Views: 2145

Re: All electric car - what if get stranded?

Let me know when I can drive from Las Vegas to Los Angeles without charging up. If I can't do so I think buying a Tesla is kind of stupid. Who in their right mind would buy a car that they can't drive a very reasonable amount of miles without having to stop to get "juice". Your mileage va...
by climber2020
Sat Apr 02, 2016 11:33 am
Forum: Personal Consumer Issues
Topic: Temporary (air mattress type) bed recommendations
Replies: 13
Views: 519

Re: Temporary (air mattress type) bed recommendations

How about a Japanese futon? You can buy them on Amazon and they fold up when not in use.
by climber2020
Thu Mar 31, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Clothing budget for DVM's, MD's, and other kinds of Medical Professionals
Replies: 38
Views: 3064

Re: Clothing budget for DVM's, MD's, and other kinds of Medical Professionals

Male MD. Outpatient setting only. I wear a button up long sleeve shirt, a tie, and dress pants. No white coat. The shirts and pants are all wrinkle-free, and I bought most of them either at Kohl's, Brooks Brothers, or online on Amazon. I don't really have a clothing budget, but if I had to average i...
by climber2020
Wed Mar 30, 2016 8:27 am
Forum: Investing - Theory, News & General
Topic: Need to understand
Replies: 4
Views: 506

Re: Need to understand

Have you already read the links recommended to you from this prior post of yours?

viewtopic.php?f=1&t=125238&p=1835471#p1835471
by climber2020
Fri Mar 25, 2016 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Housing Prices Trajectory in the Bay Area?
Replies: 77
Views: 5938

Re: Thoughts on Housing Prices Trajectory in the Bay Area?

What's the plan for when an earthquake levels the whole city? Is earthquake insurance pretty standard in that region?
by climber2020
Tue Mar 22, 2016 6:53 pm
Forum: Personal Consumer Issues
Topic: [Recommend book(s) on] Critical thinking, suggestion please?
Replies: 42
Views: 3262

Re: Critical thinking suggestion please?

I recall reading a book in high school called "Why People Believe Weird Things" by Michael Shermer that was a good read.
by climber2020
Fri Mar 18, 2016 7:33 am
Forum: Personal Consumer Issues
Topic: Trip to Vail Colorado
Replies: 12
Views: 1146

Re: Trip to Vail Colorado

Mt. Holy Cross is the closest fourteener about 30 minutes away. Holy Cross should not be attempted unless the person has both fully acclimated to the high altitude and is in excellent cardiovascular shape. The listed elevation gain of the standard trail is deceiving because you have to hike up and ...
by climber2020
Thu Mar 17, 2016 4:42 pm
Forum: Personal Consumer Issues
Topic: Trip to Vail Colorado
Replies: 12
Views: 1146

Re: Trip to Vail Colorado

Quandary Peak is about 50 miles from Vail and is one of the easier 14ers in Colorado. Straightforward trail with little chance of serious injury. From what I remember, you can drive all the way to the trailhead without having to go offroad. The view from the top is spectacular, as it is with pretty ...
by climber2020
Sun Mar 13, 2016 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: small car accident - when is it ok to not file a police report?
Replies: 27
Views: 2251

Re: small car accident - when is it ok to not file a police report?

I've been in several wrecks, all the other person's fault (so far), and I called the cops every time. Recently, I also take pictures of both cars, the other person's car plate, and a good face shot of the person who hit me. I don't trust anyone to do the right thing. The last guy who hit me was unin...
by climber2020
Sat Mar 12, 2016 7:00 am
Forum: Investing - Theory, News & General
Topic: Records - what to keep.
Replies: 18
Views: 1864

Re: Records - what to keep.

You could just take a picture and toss the originals. I think the only paper documents I have are my birth certificate, car title, and house loan stuff. All else is photographed, turned into a pdf with Turboscan, and backed up in 3 places.
by climber2020
Fri Mar 11, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: Dogs & my mailbox
Replies: 37
Views: 2435

Re: Dogs & my mailbox

[OT comment removed by moderator prudent]
by climber2020
Tue Mar 08, 2016 9:26 am
Forum: Investing - Help with Personal Investments
Topic: when to invest
Replies: 12
Views: 1154

Re: I have 100,000

Take the advice you were already given when you posted the same question in January:

viewtopic.php?f=1&t=182023&p=2758430#p2758430

[Note: this was posted before the threads were merged - moderator prudent]
by climber2020
Sun Mar 06, 2016 7:26 pm
Forum: Personal Consumer Issues
Topic: Bread - The Cost and Convenience
Replies: 94
Views: 8880

Re: Bread - The Cost and Convenience

Walmart sells a huge Italian loaf for $1. It's in the bakery where they make the loaves fresh daily. It's excellent. The quality likely varies depending on location, but the ones at my local Walmart taste better than the bread loaves at any of the competing grocery stores that sell them for $3 to $5.
by climber2020
Sat Mar 05, 2016 6:50 pm
Forum: Personal Consumer Issues
Topic: DSLR recommendations for photos of young kids
Replies: 32
Views: 1713

Re: DSLR recommendations for photos of young kids

Based on what you wrote, I don't think a new camera is going to solve your problem. If anything, going to full frame is going to magnify any technique deficiencies you already have, especially if you're shooting moving objects with a large aperture lens that has a narrow plane of focus to begin with...
by climber2020
Sat Mar 05, 2016 8:55 am
Forum: Personal Consumer Issues
Topic: Transferring digital photos?
Replies: 5
Views: 478

Re: Transferring digital photos?

Best way to do it is probably Time Machine. It's a program included with all macs that automatically backs up your entire computer onto an external hard drive. Once it's backed up, you can transfer some or all of the files from the old computer to the new one, plus you'll have a backup for when your...
by climber2020
Thu Mar 03, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: Meaning of term "Board Certified Physician"?
Replies: 38
Views: 4008

Re: Meaning of term "Board Certified Physician"?

While certainly no guarantee of competence, board certification indicates a completed residency training and passage of a board exam to test relevant knowledge. I disagree with the last part of the sentence. At least for our board exams, the majority of the exam tests insignificant minutia that has...
by climber2020
Wed Mar 02, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: Meaning of term "Board Certified Physician"?
Replies: 38
Views: 4008

Re: Meaning of term "Board Certified Physician"?

Doctors in the US who have a medical license and have completed an accredited residency program are eligible to sit for the board exam in their chosen specialty. Once this exam is passed, that person is board certified. A non-board certified physician does not meet the requirements above, i.e. Didn'...
by climber2020
Tue Mar 01, 2016 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone sell a timeshare?
Replies: 22
Views: 2688

Re: Anyone sell a timeshare?

I would think a 20% commission would be good, if they can even sell the thing. The few people I know who have timeshares can't even give them away for free.
by climber2020
Fri Feb 26, 2016 11:33 am
Forum: Investing - Theory, News & General
Topic: 5% of Portfolio in Natural Resources
Replies: 33
Views: 2190

Re: 5% of Portfolio in Natural Resources

Any fund representing less than 5% of a portfolio is nearly meaningless and seldom worth the added cost and complexity. This always baffles me when I read it and it is mentioned here a lot. 3 portfolios backtested from 1972 until today. 10k initial deposit: 1. 100% TSM. Final Balance: 704,957 , CAG...
by climber2020
Fri Feb 26, 2016 8:50 am
Forum: Investing - Theory, News & General
Topic: Why invest in international?
Replies: 31
Views: 3404

Re: Why invest in international?

Where are all the people who, just a few months ago, were complaining about not wanting to invest because domestic stocks were so historically expensive? Those people should be currently buying up tons of international stocks since they've done poorly recently and subsequently telling us all the gre...
by climber2020
Fri Feb 26, 2016 8:06 am
Forum: Personal Consumer Issues
Topic: Comcast's Customer Service Reputation
Replies: 36
Views: 2856

Re: Comcast's Customer Service Reputation

Keep all receipts for any equipment you return. If things don't get resolved properly, open a Twitter account and complain very loudly and publicly; this has worked for people in the past. I hate Comcast. I switched over to a local FiOS service several months ago for both TV and internet, and the di...
by climber2020
Wed Feb 24, 2016 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting college
Replies: 141
Views: 8885

Re: Quitting college

You're making a mistake. What you need to quit is Computer Science - not college. You need to get a college diploma of some sort. It's not just for yourself but for your children, because you want to set a good example for them to also complete college. Not everyone needs to go to college; many wou...
by climber2020
Mon Feb 22, 2016 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Finding out about a kid 17 years after the fact
Replies: 59
Views: 9974

Re: Finding out about a kid 17 years after the fact

If:

junglegirl wrote:- You will pay for three years of university for the child


Then you are not
junglegirl wrote:five years from retirement
by climber2020
Mon Feb 22, 2016 7:12 am
Forum: Personal Finance (Not Investing)
Topic: NYTimes on inadequate pre-purchase house inspection
Replies: 30
Views: 3216

Re: NYTimes on inadequate pre-purchase house inspection

In addition to a standard home inspector, I also had my friend who is a contractor look at the entire house top to bottom with me, and he found several things that the inspector either missed or downplayed. Next time, I plan to (1) pay the gas company to check out the furnace and fireplace; (2) pay ...
by climber2020
Sun Feb 21, 2016 9:11 am
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 25179

Re: Don't understand nutrition and exercise

Someone who is 5'10" and 155 lbs is not an overeater. Different nutritionists will give conflicting information. I like that there is a lot of conflicting information in this thread. Ah. I didn't catch the part about being 5'10" and weighing a buck fifty five. I think constructive discuss...
by climber2020
Sun Feb 21, 2016 8:37 am
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 25179

Re: Don't understand nutrition and exercise

You're not going to find what you're looking for here. What you'll get is a lot of conflicting opinions from self proclaimed experts, many of whom have no access to resources beyond what you have access to.

Either go meet face to face with a nutritionist or go to an OA meeting (oa.org).
by climber2020
Thu Feb 18, 2016 1:52 pm
Forum: Investing - Theory, News & General
Topic: One sentence financial rule
Replies: 22
Views: 2971

Re: One sentence financial rule

jimb_fromATL wrote:A good one from Dave Ramsey:

“We buy things we don't need with money we don't have to impress people we don't like.”


Much better than most of his advice about investing.

jimb


Dave Ramsey stole that from Tyler Durden of Fight Club.
by climber2020
Thu Feb 18, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 220
Views: 17607

Re: What video games are you currently playing?

For anyone who grew up in the 80s and 90s and is looking for some nostalgia, most of the Final Fantasy games and some other outstanding RPGs like Chrono Trigger are available on the iPhone/iPad. Some ports are better than others, but for the most part they did a good job converting to touchscreen. T...
by climber2020
Sun Feb 14, 2016 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: help please, burden of sister-in-law threatens happy marriage
Replies: 41
Views: 5337

Re: help please, burden of sister-in-law threatens happy marriage

randomguy wrote:Please tell me how her being fat is remotely relevant.


Many people use food as a coping mechanism, like others use alcohol or meth. I too found that detail useful in adding to the big picture describing an individual with some major issues. People don't just put on 80 pounds for no reason.
by climber2020
Sat Feb 13, 2016 6:20 pm
Forum: Investing - Theory, News & General
Topic: Stocks / Bonds / Gold Portfolio Backtested
Replies: 7
Views: 824

Re: Stocks / Bonds / Gold Portfolio Backtested

Why did you pick 1971 as a starting point? That's the year the data starts as the portfolio visualizer. If you know of a tool that would let me start earlier, let me know. I'm not familiar with these tools, but using what you've already got, how do the results look if you use a starting point of 19...
by climber2020
Sat Feb 13, 2016 6:15 pm
Forum: Investing - Theory, News & General
Topic: Stocks / Bonds / Gold Portfolio Backtested
Replies: 7
Views: 824

Re: Stocks / Bonds / Gold Portfolio Backtested

Why did you pick 1971 as a starting point?
by climber2020
Sat Feb 13, 2016 5:25 pm
Forum: Personal Consumer Issues
Topic: Charities for Bogleheads?
Replies: 50
Views: 3126

Re: Charities for Bogleheads?

I contribute to a local scholarship fund for high school students entering college. 100% of the money I contribute goes directly to the students who receive the scholarships; I know this because I can add up the numbers on the checks. I'm generally very wary about donating to most charities. I just ...
by climber2020
Sat Feb 13, 2016 11:13 am
Forum: Investing - Theory, News & General
Topic: Was today's rally temporary?
Replies: 29
Views: 3994

Re: Was today's rally temporary?

think S&P will hit 1800 by March? No one knows, but I certainly hope not. For people in our age group, we should be hoping for a huge stock market crash while we're young. How many equities will you be able to buy with your unemployment check? What will you do when the unemployment benefits run...

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