Search found 637 matches

by climber2020
Fri Sep 30, 2016 6:12 am
Forum: Personal Consumer Issues
Topic: What to do with a 1st Gen iPad?
Replies: 7
Views: 1189

Re: What to do with a 1st Gen iPad?

You can take it to Best Buy today and get $45 store credit. Probably the most you'll get for it in 2016. Years back when the iPad Air came out, Target had a trade in program that gave you a $200 gift card for any model of iPad in any condition as long as it turned on and didn't have a cracked screen...
by climber2020
Tue Sep 27, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: Bogleheads for Diet/Nutrition?
Replies: 64
Views: 3506

Re: Bogleheads for Diet/Nutrition?

Saving$ wrote:Is there a Boglehead like site or philosophy for Diet and Nutrition?


Go see a nutritionist/dietitian. It will be far more useful than the anecdotal "evidence" you'll get here or anywhere else online. Everyone's an expert.
by climber2020
Mon Sep 26, 2016 6:20 pm
Forum: Personal Consumer Issues
Topic: People with living spaces that could be featured in magazines, what is your secret?
Replies: 18
Views: 2075

Re: People with living spaces that could be featured in magazines, what is your secret?

To those people with houses whose insides look like they could be on a TV set or featured on a catalogue, what is your secret? What have you noticed that you do differently? I get a lot of compliments on how clean and tidy my house and car are, so I'll chime in. Most important thing is that I don't...
by climber2020
Fri Sep 16, 2016 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Questions for Insurance Salesman on Whole Life Policy
Replies: 59
Views: 3764

Re: Questions for Insurance Salesman on Whole Life Policy

About the salesman...The insurance company we're with is Thrivent Financial. It's a non-profit fraternal group related to our church (as well as being a Fortune 500 company). The salesman is a close friend of my dad's and goes to his church. I'm Facebook friends with him. This is not a contentious ...
by climber2020
Wed Sep 14, 2016 6:26 am
Forum: Personal Consumer Issues
Topic: iOS 10 available today
Replies: 44
Views: 3026

Re: iOS 10 available today

To anyone who's updated to iOS 10: is there an option to shoot RAW with the native camera app? This feature was briefly mentioned during the keynote, but no actual details to be found anywhere. Only the new iPhone 7 can shoot RAW. What is RAW? I downloaded iOS 10 and can confirm that the iPhone 6S ...
by climber2020
Tue Sep 13, 2016 7:43 pm
Forum: Personal Consumer Issues
Topic: iOS 10 available today
Replies: 44
Views: 3026

Re: iOS 10 available today

To anyone who's updated to iOS 10: is there an option to shoot RAW with the native camera app? This feature was briefly mentioned during the keynote, but no actual details to be found anywhere.
by climber2020
Tue Sep 13, 2016 3:01 pm
Forum: Personal Consumer Issues
Topic: Amazon consumer review programs
Replies: 26
Views: 1891

Re: Amazon consumer review programs

Agree with above. Whenever I see one of those biased reviews, I always down vote them.
by climber2020
Tue Sep 13, 2016 2:16 pm
Forum: Investing - Theory, News & General
Topic: Strategy to buy expensive house
Replies: 67
Views: 5318

Re: Strategy to buy expensive house

In the real world 20 years is a long time. It is enough to have kids, watch them grow up, and head off to college. Putting off living for a dream house seems suboptimal. I do agree, hence buying a 250k house with 200k income makes a lot of sense to me. Half that income can be saved while enjoying t...
by climber2020
Sat Sep 10, 2016 7:58 pm
Forum: Personal Consumer Issues
Topic: Backup Solution for Canon T6i Wifi Camera?
Replies: 6
Views: 492

Re: Backup Solution for Canon T6i Wifi Camera?

Not a perfect solution, but what I do is take several smaller capacity SD cards, change them out every few days, and store the cards separately from the camera. If someone thieves my camera, I still have most of my pictures. If any of the hotels has desktop computers for public use, you also transfe...
by climber2020
Sat Sep 10, 2016 12:37 pm
Forum: Investing - Theory, News & General
Topic: Maths is hard [help with inflation calculations]
Replies: 10
Views: 922

Re: Maths is hard [help with inflation calculations]

"Maths is hard" ??? So are your english. :P This is correct usage in many parts of the English speaking world outside of the US. You will also hear the term "sport" instead of "sports" as is commonly said by Americans (e.g. "I enjoy watching sport on the weekends....
by climber2020
Tue Sep 06, 2016 6:21 am
Forum: Personal Consumer Issues
Topic: Visiting Peru/Machu Picchu
Replies: 16
Views: 1027

Re: Visiting Peru/Macchu Picchu during Columbus Day?

If you plan on hiking the Inca Trail to Machu Picchu (whether it's a short day hike or the several day version), you need to reserve tickets well in advance. Looks like the entire month of October is booked: http://incatrailreservations.com/travel/inca-trail-permits-availability/ I went last May and...
by climber2020
Sat Sep 03, 2016 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Opening a medical office...Can it still be done?
Replies: 18
Views: 2987

Re: Opening a medical office...Can it still be done?

You may find more appropriate advice on Sermo. I've posted a few practice related questions there over the years and have been impressed with the quality of advice. http://www.sermo.com When do you want to retire? How's your overall financial situation? If you opened a practice and it tanked, would ...
by climber2020
Sat Sep 03, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Job Ideas for a disabled MD
Replies: 17
Views: 1999

Re: Seeking Job Ideas for a disabled MD

Asking for the sister of a friend. She is about 30 and a graduate of a foreign medical school (I believe) but has a US medical license. She has macular degeneration and is legally blind so can't drive. First thing is to go get a 2nd opinion from a different eye doctor to make sure she doesn't have ...
by climber2020
Fri Sep 02, 2016 9:25 am
Forum: Personal Consumer Issues
Topic: How Much Cash for Wedding Gift?
Replies: 45
Views: 3272

Re: How Much Cash for Wedding Gift?

Saw a timely statistics-based article this morning very relevant to the conversation:

http://fivethirtyeight.com/features/wedding-spending-gift-guide/
by climber2020
Wed Aug 31, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: Thank you gift for someone with everything
Replies: 29
Views: 2431

Re: Thank you gift for someone with everything

Beer! Assuming the person likes beer, it's always a great gift.
by climber2020
Wed Aug 31, 2016 9:37 am
Forum: Personal Consumer Issues
Topic: How Much Cash for Wedding Gift?
Replies: 45
Views: 3272

Re: How Much Cash for Wedding Gift?

I just received a wedding invitation in the mail today from my niece. This will be her second marriage and her fiancé and she have lived together for over 5 years. HIs first marriage. The reception will be held at a very nice venue. I was shocked to see a little note in the invitation that said &qu...
by climber2020
Wed Aug 31, 2016 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Can we get by without permanent life insurance?
Replies: 85
Views: 5354

Re: Can we get by without permanent life insurance?

What happened? Why the silence all of a sudden?
by climber2020
Sun Aug 28, 2016 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Can we get by without permanent life insurance?
Replies: 85
Views: 5354

Re: Can we get by without permanent life insurance?

What am I missing. Brother in law is an insurance agent and adamant that a death benefit is 100% necessary whether it be WL, VL or VUL. You're not missing anything. Brother in law is a tool and should be treated accordingly. I had a degenerate waste of space try to pull this junk on me once too, bu...
by climber2020
Sat Aug 27, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: Sony RX 100 IV camera
Replies: 14
Views: 937

Re: Sony RX 100 IV camera

Any Bogleheads own the Sony RX 100 IV? It probably the most expensive P&S camera. Is it worth the $? It depends on what your needs are. I have the original mark 1 version that I bought 4+ years ago, and it's the best point and shoot I've ever used. Aside from image quality, it's one of the most...
by climber2020
Wed Aug 24, 2016 6:14 am
Forum: Personal Consumer Issues
Topic: Car leases: not that expensive, after all, if you can't do maintenance yourself?
Replies: 32
Views: 3098

Re: Car leases: not that expensive, after all, if you can't do maintenance yourself?

Why are you getting your car serviced at the dealership? They're probably replacing parts that are perfectly fine. Take the car to a different shop.
by climber2020
Tue Aug 23, 2016 7:24 pm
Forum: Personal Consumer Issues
Topic: Honeymoon - Alaska or Greece
Replies: 22
Views: 1650

Re: Honeymoon - Alaska or Greece

Another vote for the Greek Islands. I've been to both places, and for this purpose Greece seems more appropriate.

Alaska is awesome too, but not really a honeymoon type of place.
by climber2020
Mon Aug 22, 2016 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for Children
Replies: 32
Views: 2565

Re: Planning for Children

I don't have kids, but a common piece of advice I've heard here is to prioritize your own retirement savings over college savings so you're not a financial burden to your kids when you get old.

term4sale.com for the life insurance.
by climber2020
Fri Aug 12, 2016 11:40 am
Forum: Personal Consumer Issues
Topic: Suppose one has been rear ended...
Replies: 33
Views: 2409

Re: Suppose one has been rear ended...

I always call the cops for any car accident, regardless of how minor. Without a police report, the other person can make up any story they want. One of my parents got conned in this manner once by some worthless dirtbag, and no one in our family has taken any chances since then.
by climber2020
Fri Aug 12, 2016 11:34 am
Forum: Personal Consumer Issues
Topic: What does the BH community do with their pets when they travel?
Replies: 60
Views: 3204

Re: What does the BH community do with their pets when they travel?

Professional pet sitter for 1 cat. She comes by once every 2 days to refill the automatic feeder and take the litter out.

I've been doing this since the cat was a kitten, so she's used to the routine.
by climber2020
Thu Aug 11, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: How to address a college professor with a PhD (Dr. or Prof.)
Replies: 60
Views: 2873

Re: How to address a college professor with a PhD (Dr. or Prof.)

If they have a PhD, call them Dr. At least in the beginning until they tell you otherwise.

If no PhD, Ms or Mr.
by climber2020
Sat Jul 30, 2016 11:52 am
Forum: Personal Consumer Issues
Topic: New Tipping Practice?
Replies: 130
Views: 6594

Re: New Tipping Practice?

I tip better than most people, but in this situation I would also leave zero.
by climber2020
Fri Jul 29, 2016 7:42 pm
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 41
Views: 2049

Re: Never owned a cell phone.

Could certainly live well without one, but for me that one device has replaced my landline, calendar, organizer, note pad, wristwatch, alarm clock, camera (sometimes), photo albums, GPS unit, flashlight, CD player, portable DVD player, handheld video game system, and about 80-90% of the time, my com...
by climber2020
Fri Jul 29, 2016 4:48 pm
Forum: Personal Consumer Issues
Topic: Preparing financially for our funerals - prepay or not?
Replies: 97
Views: 5993

Re: Preparing financially for our funerals - prepay or not?

Church Lady wrote:I have heard tell that in some states, you're not obligated to buy your casket from the funeral home; you can 'bring your own'.


Image
by climber2020
Fri Jul 29, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: Vacation loans
Replies: 37
Views: 3369

Re: Vacation loans

Not really a loan, but I did open up a new credit card with 0% interest for one year and used it to travel to the other side of the earth after I finished my training and before starting my first real job. Being able to take several consecutive months off in my profession is not that common, so I to...
by climber2020
Wed Jul 27, 2016 6:17 am
Forum: Personal Consumer Issues
Topic: Buying a used DSLR Suggestion
Replies: 37
Views: 2498

Re: Buying a used DSLR Suggestion

Am like OP looking for a used DSLR. Would like to add a supplementary question. Are there any DSLR cameras that are not bulky? I.E. that could fit in pocket? by definition an SLR camera is going to be big. if convenience is key, go with point & shoot. Can't see the display on screen in strong s...
by climber2020
Thu Jul 21, 2016 7:57 pm
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 57
Views: 4623

Re: World VCR production is ending next month. What to do with my old VHS tapes?

A few years ago I used a device called Elgato Video Capture (you can find it on amazon for $80) to transfer all my home VHS tapes into digital files on my computer. Very easy to set up and use. All you need is a computer and a VCR. After I was finished using it, I sold it on Craigslist. If you decid...
by climber2020
Tue Jul 19, 2016 1:03 pm
Forum: Investing - Theory, News & General
Topic: Have any of you learned about IUL investing?
Replies: 15
Views: 1194

Re: Have any of you learned about IUL investing?

This is nothing new. It's designed to transfer money from your pocket to the pocket of whatever salesman is pitching this idea to you. The "financial planner" who I previously worked with attempted this scam on me which is how I ended up finding the bogleheads forums. It's very complex, an...
by climber2020
Tue Jul 19, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Most economical overseas travels
Replies: 22
Views: 2049

Re: Most economical overseas travels

Going anywhere in southeast Asia will be an inexpensive vacation. Other than the cost of the plane ticket, your money goes a very long way.
by climber2020
Sun Jul 17, 2016 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Just got back from Europe...ready to sell my International...
Replies: 82
Views: 9780

Re: Just got back from Europe...ready to sell my International...

I have a neighbor who just returned from a 7 day Mediterranean cruise with stops in Athens. She said the city was decimated...shops closed, Olympic village full of squatters, broken windows and general decay. I believe her, but I'm not sure I would change 25% of my portfolio based on our conversati...
by climber2020
Sun Jul 17, 2016 3:28 pm
Forum: Personal Consumer Issues
Topic: Who do you not tip, and why?
Replies: 57
Views: 4835

Re: Who do you not tip, and why?

My favorite - bank tellers. We don't tip them even though we use their services, sometimes weekly. And they get paid less than restaurant waitresses. Servers in many states get paid $2.13 an hour. Most of their pay is in tips. I'm pretty sure bank tellers make more than $2.13. If people don't like ...
by climber2020
Wed Jul 13, 2016 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 150K
Replies: 1
Views: 442

Re: What to do with 150K

If you post your information in the following format, you'll likely get some good responses:

https://www.bogleheads.org/forum/viewtopic.php?t=6212
by climber2020
Mon Jul 11, 2016 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Due diligence before becoming a shareholder in a medical practice
Replies: 30
Views: 2561

Re: Due diligence before becoming a shareholder in a medical practice

Spoke with an accountant. He would need shareholder agreement, financial statements, forecasts, budgets, pension plans summary, profit plans and shareholder agreement and possible some more docs to better get an idea and review. Cost is about $5,000. Is that normal cost? $5k is a lot of money The a...
by climber2020
Sun Jul 10, 2016 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Due diligence before becoming a shareholder in a medical practice
Replies: 30
Views: 2561

Re: Due diligence before becoming a shareholder in a medical practice

I suppose I can get access, but I am not sure if I am "allowed" and I have never asked explicitly. Should I put the accountant in touch with the CEO? Or would it better if I played the middle man and just relayed to CEO what the accountant asked me to get? I believe the accountant I have ...
by climber2020
Sat Jul 09, 2016 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Due diligence before becoming a shareholder in a medical practice
Replies: 30
Views: 2561

Re: Due diligence before becoming a shareholder in a medical practice

How do I ask for financial statements in a politically correct way? Don't want to come off as a dbag. "Hi there! I'd like all the financial statements from the last 5 years. Here is a list of what I'll need." From what I understand, compensation is not increasing b/c overhead is high and ...
by climber2020
Sat Jul 09, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Due diligence before becoming a shareholder in a medical practice
Replies: 30
Views: 2561

Re: Due diligence before becoming a shareholder in a medical practice

At first glance, this "opportunity" doesn't sound right. You absolutely need to have complete access to the books and have your own independent accountant look at everything. If any of the owners take offense to this, then that is not normal and you should walk away. You should also hire y...
by climber2020
Sat Jul 09, 2016 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Aggresively paying student loans vs saving for retirment
Replies: 34
Views: 2148

Re: Aggresively paying student loans vs saving for retirment

Lots of prior posts on this topic. Under the specific example you gave, mathematically it would make more sense to pay off the 6% loan than to invest in something that grows at 4%. But no one knows if the market return will actually be 4%. Could be higher than that or could be lower. If it were me, ...
by climber2020
Sat Jul 02, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 11386

Re: Money vs. Happiness

What specifically is the issue with your social life?
by climber2020
Wed Jun 29, 2016 9:06 am
Forum: Personal Consumer Issues
Topic: Favorite ski resort
Replies: 61
Views: 3390

Re: Favorite ski resort

If cost is a factor, Copper Mountain in Colorado is a good mountain for a great deal, especially for non-Colorado residents.

I buy a 4 pack each spring for around $160. Some years they throw in an extra day, which means $32 to $40 per lift ticket.
by climber2020
Thu Jun 09, 2016 5:50 am
Forum: Personal Consumer Issues
Topic: Unacceptable hotel room
Replies: 39
Views: 4409

Re: Unacceptable hotel room

In addition to the credit card dispute, write a scathing review on Tripadvisor, Google, Yelp, booking.com, and any other travel site that comes to mind. I did this after staying in a particularly gross room and got my money refunded directly from the hotel. That probably won't happen from an Italian...
by climber2020
Mon Jun 06, 2016 9:10 pm
Forum: Personal Consumer Issues
Topic: Suggestion For Plush Socks That Don't Bunch Under The Feet
Replies: 15
Views: 1037

Re: Suggestion For Plush Socks That Don't Bunch Under The Feet

I've found Patagonia socks to be quite nice.
by climber2020
Mon May 02, 2016 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House
Replies: 64
Views: 6810

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: 156
Views: 23192

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: 65
Views: 6291

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: 1822

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: 3182

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.

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