Search found 926 matches

by climber2020
Sun Jan 21, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance - Physician
Replies: 16
Views: 826

Re: Disability Insurance - Physician

Where do Boglehead-physicians tend get their disability insurance? What are people's opinions about DI through the AMA? From what I read, it is important to ensure that we obtain DI that is occupation specific, has a COLA adjustment, and possibly has a partial disability clause. Is there anything e...
by climber2020
Sat Jan 20, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Rent (free at library) or buy books?
Replies: 40
Views: 1966

Re: Rent (free at library) or buy books?

Library. Any book they don't have they can get on loan from any other library in the country, so availability isn't an issue. I also tend to be better about reading books from the library since I know I have to take them back after a period of time. I hate clutter so rarely buy books anymore, and th...
by climber2020
Mon Jan 15, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: TSA locks for luggage
Replies: 18
Views: 1329

Re: TSA locks for luggage

I am traveling to VietNam and has heard that luggage theft is very high there. In the past, I normally used zip ties. But I also heard that TSA locks are worthless. What do BHs use to protect your luggage against potential theft (other than just carry-on). TIA Take only one bag (a carry-on) and don...
by climber2020
Mon Jan 15, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: iPhone 5 storage space question
Replies: 5
Views: 498

Re: iPhone 5 storage space question

1) Transfer all existing photos and videos to your computer, then delete the originals on the phone. 2) Get rid of all non-essential music on the phone. Many people sync their entire music collection and only listen to a fraction of it. 3) When connected to a computer, open up iTunes and there's an ...
by climber2020
Sun Jan 14, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: How long do you save tax returns?
Replies: 39
Views: 3162

Re: How long do you save tax returns?

DidItMyWay wrote:
Sun Jan 14, 2018 1:16 pm
Trying to de-clutter/purge around here and just realized that I have many years of federal tax returns saved, possibly going back to 1996!
Scan them as PDF files and store them on your computer. No clutter and you can always print them out later if you need hard copies.
by climber2020
Thu Jan 11, 2018 6:55 am
Forum: Personal Consumer Issues
Topic: Trying to downsize but still too much stuff
Replies: 59
Views: 5643

Re: Trying to downsize but still too much stuff

An added comment about your 5 boxes of sentimental stuff: I've found that those are the hardest items to downsize. It took me many, many years to finally do it, but now that it's done I don't miss any of the old stuff one bit. Taking good pictures of them to retain the memories helps. For this trip ...
by climber2020
Thu Jan 11, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: Trying to downsize but still too much stuff
Replies: 59
Views: 5643

Re: Trying to downsize but still too much stuff

What you've done is really great compared to most people. A few areas that immediately jump out to me: the personal papers and the shoes. What exactly is in the 3 boxes of personal papers? I used to have quite a few of these myself but over the years have whittled it down to almost nothing. Scanned ...
by climber2020
Wed Jan 10, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Computers Suck
Replies: 18
Views: 1399

Re: Computers Suck

I would bet you're running Windows. I have a PC, an iMac, two iPads, and and two iPhones. Things you click that just don't work anymore happen on all of them. Things that just don't work anymore after updates happens on all of them. Things that don't work anymore and can't be fixed happen more ofte...
by climber2020
Wed Jan 10, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help with unique situation [stayed out of market since 2008]
Replies: 34
Views: 3841

Re: Help with unique situation [stayed out of market since 2008]

This "plan" is going to get you in the exact same unfortunate position you were in back in 2008. if you are dismissing the idea then why don't you care to explain yourself? I wasn't in the stock market in 2008 (read the Thread title ;) It reeks of market timing. Your proposed allocation varies from...
by climber2020
Wed Jan 10, 2018 11:47 am
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old Retiring Extremely Early-Domestic Wellesley or Half Global, Half Domestic Wellesley Better for my Bonds?
Replies: 55
Views: 6599

Re: 25 Year Old Retiring Extremely Early

quantAndHold wrote:
Wed Jan 10, 2018 11:23 am
$1M isn’t nearly enough to just stop earning money forever, but it’s a good start towards financial independence.
He doesn't live in the United States. In many other places in the world, especially countries with universal health coverage, $1M would be plenty.
by climber2020
Tue Jan 09, 2018 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help with unique situation [stayed out of market since 2008]
Replies: 34
Views: 3841

Re: Help with unique situation [stayed out of market since 2008]

Here is my plan: 65% VOO ETF 35% VBTLX for now, if stocks become significantly cheaper I will rebalance at that time to increase the mix to 80/20 or even 100% equities for a while. This "plan" is going to get you in the exact same unfortunate position you were in back in 2008. Please do some of the...
by climber2020
Tue Jan 09, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 3986

Re: Men's no iron dress shirt recommendations

Brooks Brothers: excellent when I bought 5 years ago, but now run >$100. Willing to pay, but is the quality still there? No, the quality is not. I received a pair of Brooks Brothers dress shirts a couple of years ago, and both of them fell apart before the 1 year mark. Unacceptable for a shirt that...
by climber2020
Mon Jan 08, 2018 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: PE firm is buying my [medical] practice. Help!
Replies: 32
Views: 4192

Re: PE firm is buying my [medical] practice. Help!

This is a great time to build something that you will own yourself. And you can sell it for a profit when you’re ready. Good luck with that. The old guys in our town who started decades ago when medical practices were worth a lot more have been trying to sell their practices for years. No one is wi...
by climber2020
Sat Jan 06, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Is now not a good time to start investing?
Replies: 36
Views: 2733

Re: Is now not a good time to start investing?

blueredgreen wrote:
Sat Jan 06, 2018 2:32 pm
With people starting to get worried about the end of the bull market
People have been worried about the end of the bull market for years. When I first started investing in 2012, these exact same topics came up several times a week. I'm glad I ignored all of them.
by climber2020
Wed Jan 03, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Iphone SE : If i buy now..how long will Apple support
Replies: 6
Views: 635

Re: Iphone SE : If i buy now..how long will Apple support

The iPhone SE has more or less the same internals as the iPhone 6S, which is a 2 year old device. If you buy it now, you can probably get 2-3 years of use out of it before it stops getting software updates. One nice advantage of the SE and the 6S is that they're the first generation of smaller (non-...
by climber2020
Thu Dec 28, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Absolute vs percentage saving
Replies: 13
Views: 1141

Re: Absolute vs percentage saving

Regardless of what percentage of gross income the $48k per years equals isn't this very likely to be adequate for retirement? A household income of $235k/year will invest $48K/year if they save 20% of their gross, so is it fair to say that a household income >235k/year can "safely" save < 20% and s...
by climber2020
Tue Dec 26, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing out of taxable, how?
Replies: 7
Views: 415

Re: Rebalancing out of taxable, how?

Let’s say I want to rebalance and reduce my % of stocks but the only account left to rebalance are taxable? I'm just a smidge unclear. Are you saying you have no stocks in any retirement accounts? Very little I would make rectifying that a priority going forward. Clearly you know how to save, but n...
by climber2020
Mon Dec 25, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Expedia Booking Problems ...
Replies: 11
Views: 934

Re: Expedia Booking Problems ...

Yeah- always book directly at the hotel website. This has happened to me in the past. The other problem with sites like Expedia and Travelocity is that if a problem ever comes up and you need to speak with someone, most of these third party travel sites outsource their customer service to other coun...
by climber2020
Mon Dec 25, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Photos dark because of sunlight..what free software to enhance
Replies: 27
Views: 1658

Re: Photos dark because of sunlight..what free software to enhane

There are cameras which have a built-in neutral density filter. These filters, which used to be an external mount option, are the only way to deal with brightly illuminated scenes. Some of these are only moderately more expensive, and not 35mm SLR. This doesn't sound right. If the scene is very bri...
by climber2020
Sat Dec 23, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Favorite Camera - Recommendations, Photos, and Pictures of Your Gear?
Replies: 65
Views: 4299

Re: Photography gear and what you use it for?

I've just bought my first "distinctive" camera, a Sony RX1-M3. A high-end "point and shoot." Can you check the model of your camera again? That might help with recommendations. What you listed does not exist. The Sony RX1 is a $3000 full frame camera with a fixed lens that does not zoom. It doesn't...
by climber2020
Sat Dec 23, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Photos dark because of sunlight..what free software to enhance
Replies: 27
Views: 1658

Re: Photos dark because of sunlight..what free software to enhane

If you shot the picture with a cell phone or a point & shoot camera, you can't fix it. Even with a $5000 camera sometimes you can't adequately fix it. The way you prevent this is by paying attention to the direction of light and how it hits your subject. If you have no choice but to shoot into the s...
by climber2020
Fri Dec 22, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Appointment Calendars from the past
Replies: 28
Views: 2226

Re: Appointment Calendars from the past

It's garbage and gets thrown out with the rest of the trash.
by climber2020
Thu Dec 21, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: iPhone 4 troubleshooting
Replies: 15
Views: 1195

Re: iPhone 4 troubleshooting

This happened with an iPhone 4s that I had years ago. I took it into Apple within the 1 year warranty period and all they could do was replace it with a new phone.

These things aren't built to last very long, so you should probably get a new phone.
by climber2020
Tue Dec 19, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Which cell phone to buy--need good camera?
Replies: 32
Views: 2280

Re: Which cell phone to buy--need good camera?

If you buy it through Verizon it's $300 off, bringing the total cost of the phone to $350 which is a great deal for a phone of that quality.
by climber2020
Tue Dec 19, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Which cell phone to buy--need good camera?
Replies: 32
Views: 2280

Re: Which cell phone to buy--need good camera?

The consensus on many review sites is that the Google Pixel 2 has the best camera of any of the recent phones.
by climber2020
Tue Dec 19, 2017 7:12 am
Forum: Personal Consumer Issues
Topic: "Breaking the seal" on more expensive travel
Replies: 38
Views: 4274

Re: "Breaking the seal" on more expensive travel

What's the first time any of you treated yourself to something like this? Hotels instead of hostels. Restaurants instead of food carts. Suitcases instead of backpacks. I started getting fancier with my trips once I paid off all my student loans and had no more debt - around my early 30s. That freed...
by climber2020
Mon Dec 18, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: Lunch Ideas
Replies: 44
Views: 4351

Re: Lunch Ideas

My go-to is peanut butter & jelly sandwich (I like Peter Pan) and either some chips, pretzels, or snack crackers and occasionally a boiled egg. Sometimes I'll mix it up and make some macaroni & cheese the night before and refrigerate it before taking it in.
by climber2020
Mon Dec 18, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: US National Parks
Replies: 36
Views: 3090

Re: US National Parks

No tour needed for national parks. Just rent a car and go.

The problem with the parks you listed is that they are all very popular. The better hotels nearby or within the parks can sometimes fill up a year in advance. So if you're gonna go this year, book your rooms now.
by climber2020
Fri Dec 15, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Need to find a Used/Refurbished Macbook Air
Replies: 24
Views: 1246

Re: Need to find a Used/Refurbished Macbook Air

All she needs it for is to take notes and write papers, so there's no need to waste $800 on a Macbook Air. That's for games, youtube, instragram, tweeter, pornography and other modern nonsense; it ain't for academics. Explain to her that the $800 could be earning her interest in a mutual fund and p...
by climber2020
Fri Dec 15, 2017 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Wow. Just Wow.
Replies: 29
Views: 4974

Re: Wow. Just Wow.

It's advertisement. The same thing with all the "Best Doctors awards" in any given city. You pay the company to get put on that list. I know because that's what we did one year before realizing it was a colossal waste of time and money.
by climber2020
Wed Dec 13, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Novel Gift Ideas for Adult Siblings
Replies: 27
Views: 2144

Re: Novel Gift Ideas for Adult Siblings

Food & booze.
by climber2020
Tue Dec 12, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Purchasing Airline Tickets
Replies: 31
Views: 2573

Re: Purchasing Airline Tickets

DW and I are traveling to London in early May. I have been searching for airline tickets using Kayak's flexible dates (+/- 3 days) including early in the week days . There has been no significant change in price. The sooner I know the travel dates the sooner I can book other things for the trip, ho...
by climber2020
Sun Dec 10, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 123
Views: 12835

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

1. Life is 20 percent doing smart things and 80 percent not doing dumb things. 2. The best lives, careers, families, retirements, etc. are planned. Good luck happens when opportunity meets preparation. 3. Whoever said that money is the root of all-evil was either a fool or a con artist. Lack of mon...
by climber2020
Sun Dec 10, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford? (First Home)
Replies: 27
Views: 2425

Re: How much house can I afford? (First Home)

My wife and I love the area we're in and we're going to be here at least six more years maybe more due to her medical school/residency situation. Rent. I've been through the entire medical training process. You have no idea where you'll be after medical school wraps up. It's not worth buying a hous...
by climber2020
Sat Dec 09, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 6185

Re: Does this happen to you? Educating friends about personal finance

jojay wrote:
Sat Dec 09, 2017 8:31 am
What do you do?
Do nothing. Worst case scenario they follow your advice, the market drops 40% the following week, and they blame you for everything (which is nonsense, but that's how it will go).
by climber2020
Thu Dec 07, 2017 11:54 pm
Forum: Personal Consumer Issues
Topic: Gift Giving Strategy for Married Couples
Replies: 20
Views: 1675

Re: Gift Giving Strategy for Married Couples

- Couple's massage
- Booze
- Weekend trip somewhere
by climber2020
Tue Dec 05, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 43
Views: 3661

Re: Best solution for digitizing documents?

I use the Turboscan app on my iPhone. It's good if you don't have mountains of documents to scan. Since most stuff now is digital, I find that there really aren't too many occasions where I need to scan a physical piece of paper. I don't keep receipts unless it's for something super expensive, and o...
by climber2020
Sun Dec 03, 2017 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: General advice for a new attending physician
Replies: 18
Views: 2171

Re: General advice for a new attending physician

In the small group, you are your own boss. I don't think it's like making partner at a law firm. There's no guarantee you can stay your own boss or even be your own boss in small medical practice. In medicine, unless you are purely cash pay, you are not completely your own boss. You work for the US...
by climber2020
Sat Dec 02, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you save during the year for your next backdoor.. ?
Replies: 10
Views: 857

Re: Where do you save during the year for your next backdoor.. ?

I set aside some cash gradually during the last few months of each year and initiate the backdoor Roth on January 2. I use a regular savings account.
by climber2020
Wed Nov 29, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 4232

Re: Luggage Update for Travel

Edit - For people who carry on their bags (and fly coach): Are you really able to stay strictly within airlines' weight limits for carry-ons? Easily. Light travel is an obsession of mine, and if I really keep things to a minimum, I can fit everything I need into a small pack and still have half the...
by climber2020
Wed Nov 29, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 4232

Re: Luggage Update for Travel

PPS: Oh yeah, and doing laundry on vacation? What's that all about? It's the only way you can travel super light. If you don't mind taking a big bag, then no need to worry about washing clothes. I've done both, and I much prefer traveling around with what is basically a daypack for most people. No ...
by climber2020
Wed Nov 29, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 4232

Re: Luggage Update for Travel

I fail to see what the big deal is about checking a bag. I've never had one lost in dozens of business trips, and in most cases,it only takes an extra 5 minutes or so to retrieve. One example: had we checked a bag for our honeymoon trip to Easter Island last year, we would have missed our connectin...
by climber2020
Wed Nov 29, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Car Rental
Replies: 22
Views: 1212

Re: Car Rental

Right. And you can automate that by using the site autoslash.com. You can also use it to search for initial pricing; it sometimes finds much better deals than other travel search engines. Trying this site for the first time right now. Why do they require an email address just to perform the search?...
by climber2020
Wed Nov 29, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Going from 100% U.S stocks to 30% international?
Replies: 36
Views: 3221

Re: Going from 100% U.S stocks to 30% international?

I was indecisive for a couple years about international but after reading more and more I feel safer having 30% of my stocks as international Is you decision due to the fact the International has been doing really well this year and you're chasing performance? On a related note, I've noticed that a...
by climber2020
Wed Nov 29, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Car Rental
Replies: 22
Views: 1212

Re: Car Rental

Check prices every week or so. Usually at some point, rental car prices will drop and you can update your reservation with the new price. Last year I had a rental car initially reserved for around 300 dollars (over 6 months in advance), and by the time I actually picked up the car, I had locked in t...
by climber2020
Tue Nov 28, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 4232

Re: Luggage Update for Travel

Edit - For people who carry on their bags (and fly coach): Are you really able to stay strictly within airlines' weight limits for carry-ons? Easily. Light travel is an obsession of mine, and if I really keep things to a minimum, I can fit everything I need into a small pack and still have half the...
by climber2020
Tue Nov 28, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 4232

Re: Luggage Update for Travel

I did a write up on this subject not long ago. If you want to see what I've got in my own bag, check it out. Good stuff. Got me re-thinking my strategy: laptop: I sometimes (60% of the time) bring it because I enjoy it. But I may not next time. 15" MacBook Pro. iPad: something I also enjoy using, p...