Search found 726 matches

by climber2020
Wed May 24, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Looking to buy GoPro camera, need feedback/recommendations
Replies: 9
Views: 590

Re: Looking to buy GoPro camera, need feedback/recommendations

TNL wrote:Next question: Costco does not appear to carry these, which is where I tend to buy most of my electronics. Where would be the best place to purchase for a warranty? Best Buy?


If you want new, http://www.bhphotovideo.com

If you're considering used, http://www.keh.com
by climber2020
Fri May 19, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: Sony a6500
Replies: 24
Views: 1471

Re: Sony a6500

Would love to hear about your experience. I will be upgrading to the 7s+ or 8+, and also have a full frame Nikon with fast lenses (70-200 2.8 and some 1.4 primes). BUT I have yet to find the portable solution for indoor gatherings/events that will take great photos but still fit in a jacket pocket....
by climber2020
Wed May 17, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Future Jobs
Replies: 4
Views: 655

Re: Future Jobs

Healthcare. Especially a job that is hands-on like a nurse, radiology tech, or surgeon.

People who build and fix stuff will likely be fine. No matter what happens in the next decade or two, we'll still need plumbers.
by climber2020
Wed May 17, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Sony a6500
Replies: 24
Views: 1471

Re: Sony a6500

any sources you guys enjoy? Ming Thein and Thom Hogan each have several great articles worth reading. Also, this is a good book if you want to improve your photography: https://www.amazon.com/Pictorial-Composition-Art-Dover-Instruction/dp/0486233588/ref=sr_1_1?ie=UTF8&qid=1495028815&sr=8-1&...
by climber2020
Sun May 14, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Was there a $$$ number after which things got easier?
Replies: 72
Views: 9260

Re: Was there a $$$ number after which things got easier?

For me, it was 500k. That amount was when I really noticed that daily swings in the market sometimes exceeded my regular bi-monthly contribution amounts.
by climber2020
Sat May 13, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Best UPF Comfortable Field Shirt
Replies: 15
Views: 887

Re: Best UPF Comfortable Field Shirt

Modern high-end polyester shirts are super comfortable in my opinion. Not cheap, but they'll last a long time. If you google "Lacoste ultra dry polo", the first result will take you to a shirt that may fit your needs. It's probably my favorite travel shirt ever. I've worn it both in the ho...
by climber2020
Wed May 10, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Puzzling issue with MacBookAir
Replies: 7
Views: 892

Re: Puzzling issue with MacBookAir

Have you tried turning the computer off and on again? Sounds simple but it's worked for me countless times for many problems.
by climber2020
Sat May 06, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Best salads
Replies: 46
Views: 3882

Re: Best salads

I was gifted one of those Oxo chopped salad makers and I am loving it, now making salad with far less fuss and chopping. I am moving beyond leaves and tomatoes to now adding other vegetables, etc. I am inspired, lol. What are your favorite salad ingredients, combinations, dressing ingredients, etc....
by climber2020
Sat May 06, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Southeast Asia for a week, in August first week
Replies: 24
Views: 983

Re: Southeast Asia for a week, in August first week

I've been to Southeast Asia multiple times. My favorites countries in that region are Vietnam and Laos. Are those two countries possibilities as well? With only one week, I'd probably stick to a single country. Yes Laos was in the radar. How good is Laos ? It's very scenic (lots of beautiful mounta...
by climber2020
Sat May 06, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Southeast Asia for a week, in August first week
Replies: 24
Views: 983

Re: Southeast Asia for a week, in August first week

I've been to Southeast Asia multiple times. My favorites countries in that region are Vietnam and Laos. Are those two countries possibilities as well?

With only one week, I'd probably stick to a single country.
by climber2020
Fri May 05, 2017 4:52 pm
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 18124

Re: Why save so much for when you're old?

to live adventurously (AKA lavishly) Those two words do not mean the same thing. You can be poor and live an adventurous life. Or you could spend six figures on a lavish car and live an otherwise boring existence. I know plenty of people in each situation. I also work with a guy who is in his 70s a...
by climber2020
Fri May 05, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: Tips From Older Bogleheads?
Replies: 52
Views: 4310

Re: Tips From Older Bogleheads?

livesoft wrote:Don't listen to older people who got it all wrong.


This is fantastic advice. I've learned so much about what not to do by simply observing my older co-workers for the last several years. Their examples have saved me at least a million dollars over the course of my life; probably more.
by climber2020
Thu May 04, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Unmarried couple purchasing a home?
Replies: 72
Views: 3830

Re: Unmarried couple purchasing a home?

Have you considered just buying the entire house yourself and both of you live in it? It would seem very simple that way.
by climber2020
Tue May 02, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 213
Views: 17939

Re: Where to Live on $60K or Less a Year?

Somewhere between Knoxville, TN and the Smoky Mountains might check off all your boxes.

If you want outdoor activities and hiking, cross Atlanta off the list.
by climber2020
Tue May 02, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Banking in Marriage
Replies: 66
Views: 4362

Re: Banking in Marriage

We keep separate checking accounts. I check all my various financial accounts every day; my wife does so much less frequently. If we had a joint checking account, we would drive each other insane. My income is about 4 times hers, so I pay the bulk of the bills, including all utilities and house rela...
by climber2020
Tue May 02, 2017 6:16 am
Forum: Personal Consumer Issues
Topic: Buying couches the Boglehead way
Replies: 36
Views: 4219

Re: Buying couches the Boglehead way

Just bought a new home (our first) and am trying to get it furnished. Couches / sofas seem pretty pricey and so wondering if there were good-quality Boglehead options out there (or what others did in this situation). Consider getting a Flexsteel (or two). You can search their website for local stor...
by climber2020
Sat Apr 29, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: Insurance for trip to Seoul Korea
Replies: 16
Views: 1249

Re: Insurance for trip to Seoul Korea

I got an Allianz policy for a 2 week trip to southeast Asia last summer. Didn't cost that much (I'm in my mid-30s, so it may be more expensive for you just based on age alone). Make sure you get a policy that includes medical evacuation in case you need to be flown back to the US. South Korea is muc...
by climber2020
Fri Apr 28, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: The Wolf of Wall Street is on FX tonight - Worth watching???
Replies: 29
Views: 2647

Re: The Wolf of Wall Street is on FX tonight - Worth watching???

davidkw wrote: The Wolf of Wall Street is on for four hours tonight. Is it worth watching??? I will tape it.


Great movie with a lot of guy humor. I wouldn't necessarily watch it for educational purposes, but it's a fun way to pass a few hours.
by climber2020
Wed Apr 26, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Best vacuum cleaner for pet hair?
Replies: 38
Views: 3068

Re: Best vacuum cleaner for pet hair?

I use a $50 Dirt Devil from Walmart. It's very effective and has a filter that needs replacing every now and then. My first one lasted 6 years, and my second one is still going strong at year 4. I thought about a Dyson but couldn't justify the cost. Even if I have to go through 4 or 5 $50 vacuum cle...
by climber2020
Fri Apr 21, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: White Gold ??? [question about newletter claim]
Replies: 21
Views: 2043

Re: White Gold ???

What's this: This Breakthrough "Superfuel" is 1,693X More Powerful Than Gasoline Unearthed in the Andes Mountains, these mysterious crystals contain what MIT researchers call energy’s “Holy Grail.” And they could ignite a $7.2 trillion economic revolution! Comments? -- Tet Wow. That's a l...
by climber2020
Fri Apr 21, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: What to do with books
Replies: 16
Views: 1147

Re: What to do with books

Put them in boxes and drop them off at Goodwill or some other donation place. I sell stuff on Craigslist and have found that books are very difficult to get rid of. Ebay and Amazon are options, but that process may require more effort than you want to put in for a relatively small financial gain.
by climber2020
Thu Apr 20, 2017 5:32 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 36743

Re: Larry Swedroe says "Goodby."

Thank you Mr Swedroe. I've always enjoyed reading your posts. Good luck to you!
by climber2020
Mon Apr 17, 2017 6:16 am
Forum: Investing - Help with Personal Investments
Topic: Why invest in International Index Fund?
Replies: 39
Views: 3558

Re: Why invest in International Index Fund?

Why invest in International Stock index fund if it can't compete with the Total Stock Market Index Fund? I could have made alot of money if I just not invest in international stocks and put it in domestic stocks. Thanks By that logic, you should have taken all your money and invested everything in ...
by climber2020
Sat Apr 15, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 8956

Re: Best take it everywhere camera

wrongfunds wrote:It has been extremely frustrating to explain to the better half as to why our photos taken against great scenery end up with dark faces :-(


Turn the flash on.
by climber2020
Fri Apr 14, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of Medicare Cataract surgery?
Replies: 20
Views: 1740

Re: Cost of Medicare Cataract surgery?

The reason I asked about what (if any) more expensive options she chose is that I have the very early beginnings of cataracts (long time to surgery I hope) and want to be as prepared as possible for making such choices in the future (cost benefit analysis) If you have astigmatism, the toric lens is...
by climber2020
Fri Apr 14, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of Medicare Cataract surgery?
Replies: 20
Views: 1740

Re: Cost of Medicare Cataract surgery?

An acquaintance of ours (in her early 80's) has Traditional Medicare (no supplement) and had cataract surgery (both eyes, but at two different times about a month apart). She told me that she was charged about $2,000 for each eye, outpatient but an added several hundred dollars to the hospital. Is ...
by climber2020
Thu Apr 13, 2017 10:59 pm
Forum: Personal Consumer Issues
Topic: Affordable cellphone with the best camera possible
Replies: 16
Views: 1189

Re: Affordable cellphone with the best camera possible

I'd argue that the best camera on a phone in terms of image quality is still the Nokia 808 Pureview, which came out in 2012. It has a relatively huge sensor that is significantly larger than anything currently sold and is paired to a Zeiss lens. It's like a Sony RX100 with a prime lens. You can prob...
by climber2020
Thu Apr 13, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Which concentrated roach killer is the best?
Replies: 11
Views: 652

Re: Which concentrated roach killer is the best?

I buy Bifen XTS from Amazon, mix it up myself in a 1 gallon garden sprayer at about double the recommended concentration, and soak the perimeter of the house and crawl space every few months. For indoors, I use Bifen IT which is the water based version.

This stuff kills everything.
by climber2020
Sat Apr 08, 2017 11:00 pm
Forum: Personal Consumer Issues
Topic: Packing cubes for travel
Replies: 60
Views: 4286

Re: Packing cubes for travel

I've never used packing cubes when traveling, but I've heard a few people tell me they wouldn't travel without them. I could see how they would be useful if you are traveling with many stops. I can't imagine they will fit the suitcase perfectly though, so what do you do with the wasted empty space?...
by climber2020
Sat Apr 08, 2017 8:00 am
Forum: Personal Consumer Issues
Topic: Packing cubes for travel
Replies: 60
Views: 4286

Re: Packing cubes for travel

I've never used packing cubes when traveling, but I've heard a few people tell me they wouldn't travel without them. I could see how they would be useful if you are traveling with many stops. I can't imagine they will fit the suitcase perfectly though, so what do you do with the wasted empty space?...
by climber2020
Wed Apr 05, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Changing ISP
Replies: 6
Views: 511

Re: Changing ISP

If you go with Comcast, whenever you eventually disconnect your Comcast service, come back here again and ask for advice so you don't get ripped off.

Comcast is notorious for defrauding customers by claiming you never returned their equipment after disconnecting your service.
by climber2020
Tue Apr 04, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?
Replies: 35
Views: 2132

Re: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?

How about donating it? When I moved to a different state, I called a local charity and they sent a big truck and 2 strong guys who came in and took all the heavy stuff away.
by climber2020
Mon Apr 03, 2017 6:10 am
Forum: Investing - Theory, News & General
Topic: Peer-to-peer lending as an investment?
Replies: 52
Views: 4323

Re: Peer-to-peer lending as an investment?

I don't hear a lot about P2P lending. Is that because it's not all that it's cracked up to be? What are your thoughts on this? White Coat Investor wrote an article about this not too long ago. I know nothing about this topic, but here's the link: http://whitecoatinvestor.com/why-i-decided-to-liquid...
by climber2020
Sat Apr 01, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Saving 50% of salary; what does it really mean?
Replies: 142
Views: 10873

Re: Saving 50% of salary; what does it really mean?

Fixed expenses are approximately $2000 a month, which includes mortgage, a variety of insurances, food, transportation, & all utilities. That's $24,000 a year. Would you mind disclosing which area of the country you reside in? This number is shockingly low for any area where 6 figure jobs are a...
by climber2020
Sat Apr 01, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Saving 50% of salary; what does it really mean?
Replies: 142
Views: 10873

Re: Saving 50% of salary; what does it really mean?

Bottomline:- How do you interpret "saving 50% of your salary" 50% for me means 50% of our gross salary before taxes. If we're talking take home pay, it's more like 66%. My own personal example: We're in the 33% tax bracket, but after deductions, maxing out two 401k accounts, and benefits ...
by climber2020
Thu Mar 30, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Is the secret to getting wealthy...
Replies: 48
Views: 4526

Re: Is the secret to getting wealthy...

Is the secret to getting wealthy writing books and articles and podcasts telling others how to become wealthy? One way to certainly get wealthy is to harness an ability to manipulate others lacking in confidence and self-esteem for one's own personal gain. I imagine that the people who write these ...
by climber2020
Wed Mar 29, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 8956

Re: Best take it everywhere camera

Not scared off just no interest in using a phone to try to take photographs as opposed to pictures. If what you're interested in is making good photographs as opposed to collecting cameras, most any modern equipment will do. No one really makes a bad camera in 2017. And don't discount the level of ...
by climber2020
Wed Mar 29, 2017 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to effectively advertise a vacant physican (M.D.) position?
Replies: 12
Views: 1169

Re: How to effectively advertise a vacant physican (M.D.) position?

Aloha, My government organization currently has a vacant position for a physician (specialty not required; any qualified M.D.) and we have advertised the position on USA Jobs. However, I suspect most M.D.'s don't peruse USA Jobs looking for employment. To achieve max exposure, are there websites or...
by climber2020
Wed Mar 29, 2017 5:54 am
Forum: Personal Consumer Issues
Topic: $50 AMEX Gift Card - What does a Boglehead/minimalist do?
Replies: 29
Views: 2131

Re: $50 AMEX Gift Card - What does a Boglehead/minimalist do?

Those cards are a pain to use once you get down to the last few dollars.

Whenever I get an AMEX or Visa gift card, I use the entire amount to buy an Amazon gift card, which is extremely easy to use up completely if you shop on Amazon.
by climber2020
Tue Mar 28, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 8956

Re: Best take it everywhere camera

Continuing my photography theme I am looking for a take it everywhere camera to supplement a DSLR. It seems like the Olympus TG-4 is the consensus pick on the web. Looking for confirmation or other options. The problem with these types of cameras is that due to the waterproof casing in front of the...
by climber2020
Tue Mar 28, 2017 6:02 am
Forum: Personal Consumer Issues
Topic: Our technology is old...advice on upgrading...
Replies: 62
Views: 4355

Re: Our technology is old...advice on upgrading...

One thing you may want to consider: do you really need an iPad? I recently sold my iPad because over time I found my Macbook Air easier to use and preferable in almost every way. Plus, as phone screens have gotten bigger over time, they've become good enough (for me) for entertainment purposes while...
by climber2020
Sat Mar 25, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Buying Sunglasses
Replies: 44
Views: 4735

Re: Buying Sunglasses

Optional. If you're not having light sensitivity, then don't worry about it.

If bright lights do bother you, then just find something that's comfortable. Everything that they sell nowadays is adequate to reduce harmful UV light.
by climber2020
Thu Mar 23, 2017 5:55 am
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 8462

Re: The $1,124,176 Car.

I get less than $500,000 after 40 years with 7% real return. For people curious about the math: If, instead of buying a fancier car, you invest your $4,918 annual savings in a Roth IRA at 7% for 40 years $4918 invested each year of the 40 year span results in the correct number. If course, this ass...
by climber2020
Mon Mar 20, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Agency - Are you kidding?
Replies: 33
Views: 4547

Re: Collection Agency - Are you kidding?

Classic Comcast. Your story is very typical. What a bunch of worthless goons.

If calling Comcast doesn't work, I would file a complaint with the Federal Trade Commission.
by climber2020
Mon Mar 20, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Malpractice Asset Protection
Replies: 18
Views: 1233

Re: Malpractice Asset Protection

Relatively new attending physician here. What do you guys all be for asset protection from malpractice suits? ! Probably not the type of answer you're looking for, but maintain good communication skills. Or learn them if your communication skills are anything short of excellent. People generally do...
by climber2020
Sat Mar 18, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 43
Views: 3364

Re: Best place to get eyeglasses / no vision insurance

Medical insurance will typically not cover simple vision exams. But if you go to the ophthalmologist and tell them your eyes feel a little dry sometimes, then that would be covered as a medical visit and you can get a glasses prescription at the same time.
by climber2020
Thu Mar 16, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 5954

Re: Suspicious organic products

Huh. I thought it was arsenic. Now the fad is heavy metals I guess. If you want rice that isn't from around the Mississippi River, go to any Asian supermarket and you can buy a 15 pound bag for 8 bucks. Most of what they sell is grown in California. Don't stress out about small quantities of toxins....
by climber2020
Tue Mar 14, 2017 9:36 am
Forum: Investing - Theory, News & General
Topic: How Many Contribute To A Retirement Fund But Never Invest
Replies: 21
Views: 2420

Re: How Many Contribute To A Retirement Fund But Never Invest

I did this when I was in school/training for a few years because I knew nothing about investing at that point. By random luck it turned out very well, as the money in my Roth sat in a money market account in 2006, 2007, and 2008 before finally being directed toward a balanced fund in 2009 after ever...
by climber2020
Tue Mar 14, 2017 8:43 am
Forum: Personal Finance (Not Investing)
Topic: How to tackle fiancee's student loan debt
Replies: 33
Views: 2824

Re: How to tackle fiancee's student loan debt

From a strictly financial point of view, won't we end up paying more by taking out loans over the next two years? Probably. But this isn't a purely financial decision. Don't let your emotions cloud your judgment. Lots of stuff can happen, so wait until you're actually married. I was in a similar si...
by climber2020
Tue Mar 07, 2017 7:13 am
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 176
Views: 15659

Re: How Much in Your Emergency Fund And Is It Used?

I used to keep 50k around as an emergency fund, which at the time could last me about 2 years in the event of a job loss. The only time I ever used it was several years ago when my car unexpectedly died on the highway and I had to buy a new car on short notice. About 3 years ago, I gradually began i...

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