Search found 758 matches

by climber2020
Sat Jul 22, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 34
Views: 1101

Re: Is Amazon Prime worth it?

So apart from the free shipping, am I missing something here? I thought this would be a media treasure trove bargain and it just looks like more of the same. Wanted to cut the cable on TV but will have to wait I guess. I hate the monthly charges, we are in a poor reception pocket even for local sta...
by climber2020
Wed Jul 19, 2017 7:34 am
Forum: Personal Consumer Issues
Topic: Denver Trip - Last minute
Replies: 22
Views: 1568

Re: Denver Trip - Last minute

Casa Bonita and the 16th St Mall are high up on the do not do list. Great advice. I remember trips up to Casa Bonita with my friends all the way back in 1979 through about 1982. I remember standing in long lines going through the maze joking and horsing around, orders sent to the kitchen on what lo...
by climber2020
Sat Jul 15, 2017 7:33 am
Forum: Personal Finance (Not Investing)
Topic: What am I missing here? [I'm a bachelor]
Replies: 51
Views: 3140

Re: What am I missing here? [I'm a bachelor]

Nothing wrong with renting. I rented until just recently and loved it. Until loud neighbors moved in. And new owners took over the building and jacked up the rent. And the area became gentrified, all the nice, interesting people moved out, and a bunch of d-bags moved in. I ended up buying a house ab...
by climber2020
Thu Jul 13, 2017 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: When to max out 401k (Aspiring Early Retiree)
Replies: 89
Views: 4613

Re: When to max out 401k (Aspiring Early Retiree)

Why do you need 150k for a house down payment? How expensive of a house are you looking at? I live near Boston, a 3BR would be 600k in the suburbs. A 20% down payment plus 5% for closing costs, reserves needed for the bank to accept the loan, paying a lawyer/title company, etc. comes to 25% - that'...
by climber2020
Thu Jul 13, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: When to max out 401k (Aspiring Early Retiree)
Replies: 89
Views: 4613

Re: When to max out 401k (Aspiring Early Retiree)

Why do you need 150k for a house down payment? How expensive of a house are you looking at?
by climber2020
Tue Jul 11, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: September short trip ideas
Replies: 32
Views: 2217

Re: September short trip ideas

Domestic options included Crater Lake or Grand Canyon. I just got back from Oregon. Crater Lake is great. We stayed there 2 nights and felt that was a decent enough amount of time. Lodging inside the national park is limited, so you may want to look now to see if anything is even available. We book...
by climber2020
Tue Jul 11, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Advice on buying a musical instrument
Replies: 17
Views: 977

Re: Advice on buying a musical instrument

I'd buy the rental. Once you get really good at your instrument, you'll know what features you want and be better informed when you upgrade again. I went through 3 drum sets since I started playing 25+ years ago. The one I currently have is top of the line, but I wish I had waited a few more years b...
by climber2020
Mon Jul 03, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Generic camera battery?
Replies: 20
Views: 1280

Re: Generic camera battery?

I've had good success with both Wasabi and Watson batteries. No problems yet.
by climber2020
Fri Jun 23, 2017 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Question for a Surgeon/Doctor
Replies: 5
Views: 657

Re: Financial Question for a Surgeon/Doctor

Another surgeon here. I think that's nonsense. Most of my net worth is in taxable accounts because I contribute way more in a year that can fit in my and my spouse's tax advantaged accounts. I also have a small house because I don't like big houses, don't have nearly enough material possessions to j...
by climber2020
Fri Jun 23, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 47
Views: 3934

Re: New cars w/ no CD player -- what can I do with my CDs?

Convert everything to digital files and either sell or donate your CDs. I got rid of many boxes of music a while back and it feels great.

Back everything up in case your computer dies.
by climber2020
Thu Jun 22, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: iphone 7 camera clip on lens for better car pictures...
Replies: 5
Views: 529

Re: iphone 7 camera clip on lens for better car pictures...

A clip on lens will not fix the main problem you're trying to address. Starting with the iPhone 6, Apple tweaked their photo processing algorithm to do 2 things: reduce the amount of noise in pictures (make them less grainy) and make the file sizes smaller so people can fit more photos on their phon...
by climber2020
Wed Jun 21, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Best Practices for Managing Paper Receipts
Replies: 28
Views: 2177

Re: Best Practices for Managing Paper Receipts

I have a small garbage can that only gets filled and emptied about once every 3-4 weeks. The contents are mostly paper. All my receipts go in there. If I ever see any problems with a purchase, which hasn't happened in over 10 years, then I plan on retrieving the receipt from the garbage can. I buy a...
by climber2020
Wed Jun 21, 2017 8:16 am
Forum: Personal Consumer Issues
Topic: Oregon personal Trip
Replies: 25
Views: 1953

Re: Oregon personal Trip

Super Hans wrote:No votes for Crater Lake here? That was the highlight of my one trip to Oregon.


Crater Lake is way out of the way from both Portland and the coast. For someone wanting to maximize time by the ocean, adding this destination would add quite a bit of driving time to an already constrained schedule.
by climber2020
Tue Jun 20, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Oregon personal Trip
Replies: 25
Views: 1953

Re: Oregon personal Trip

The Oregon coast is awesome. I'm going back for the third time in a few days. A few tips: - Consider doing Portland at the end of your trip. If you live anywhere on the eastern side of the US, more than likely you'll have an earlier flight out due to the timezone differences. Driving from the coast ...
by climber2020
Mon Jun 19, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 61
Views: 3723

Re: Good camera - new baby coming

Fuji X100 series. If you don't want to spend $1300 and are ok with a used model, there's plenty of them at keh.com.
by climber2020
Sat Jun 17, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Cataracts & reading glasses
Replies: 31
Views: 2273

Re: Cataracts & reading glasses

The laser makes a crap surgeon a mediocre surgeon, or a mediocre surgeon a good surgeon. A great surgeon is what you want, and wont benefit much from the laser. Definitely upgrade the lens, people who do that are way happier. The part about the lens is false. It's an appropriate option for some peo...
by climber2020
Thu Jun 15, 2017 8:00 am
Forum: Personal Consumer Issues
Topic: Cataracts & reading glasses
Replies: 31
Views: 2273

Re: Cataracts & reading glasses

Standard cataract surgery generally corrects for distance vision only. Patients still need reading glasses after. There are lenses called multifocals that correct both distance and near that you can pay extra for (not covered by any insurance). But this implant has optical compromises that degrade c...
by climber2020
Wed Jun 14, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Just married - start a joint taxable account?
Replies: 18
Views: 1237

Re: Just married - start a joint taxable account?

Do whatever you're both comfortable with. We kept separate checking accounts for our day to day spending and all the money left over goes into a joint taxable account that we set up shortly after we got married. This arrangement works very well for us, but I'm aware it would be a disaster for some c...
by climber2020
Tue Jun 06, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 3417

Re: Suit for residency interviews

obafgkm wrote:It seems the assumption is that the original poster (OP) is a man. Would the answers be different if the OP was a woman?


No.
by climber2020
Tue Jun 06, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 3417

Re: Suit for residency interviews

I'm in agreement with all the above. I did some residency interviews back in the day. From a fashion standpoint, just don't stand out and you'll be fine. You don't need to wear a super expensive suit. No one cares.
by climber2020
Tue Jun 06, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 92
Views: 8905

Re: Worth it to buy expensive clothes?

I have a suit from BB that still fits, and still looks good, after having it for > 15 years. As for the shirts, perhaps you need to try a different dry cleaner or consider a different washer/dryer. I'm never going to have a bad thing to say about BB clothes. Their quality has declined over the year...
by climber2020
Tue Jun 06, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Trip to Ireland/Amex/Visa/Do I need a card with no foreign tx fee?
Replies: 22
Views: 1277

Re: Trip to Ireland/Amex/Visa/Do I need a card with no foreign tx fee?

However I don't keep my phone on while travelling outside the US so the Cap One card with texting each charge would be useless. I "assumed" that you only got one call or text at the beginning of the trip! I have a month-by-month T-Mobile plan for my phone, that offers free texts and free ...
by climber2020
Tue Jun 06, 2017 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Trip to Ireland/Amex/Visa/Do I need a card with no foreign tx fee?
Replies: 22
Views: 1277

Re: Trip to Ireland/Amex/Visa/Do I need a card with no foreign tx fee?

I have both a Capital One "checking" account and Capital One credit cards for foreign travel. No foreign transaction fees, any ATM fees are refunded. I use ATM machines to draw cash, and use the credit cards for major purchases. Note that you need to let your bank and credit card company ...
by climber2020
Mon Jun 05, 2017 6:08 am
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 92
Views: 8905

Re: Worth it to buy expensive clothes?

There's a distinction between expensive and good quality. I'd definitely pay more for good quality, but I've found that they're not always directly correlated. Example: Brooks Brothers dress shirts are expensive, and they look nice. But the quality is garbage. I received several shirts a little over...
by climber2020
Sun Jun 04, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Beginner needs help choosing which compact camera to buy!
Replies: 16
Views: 825

Re: Beginner needs help choosing which compact camera to buy!

Get the RX100. Either the m3 if you need the extra wide angle lens or the m1 if you're ok with a slightly less wide lens and want something smaller and lighter with better battery life. I carry mine around in my front pocket when I travel. If you plan on taking pictures of your kids or anything that...
by climber2020
Sun Jun 04, 2017 8:08 am
Forum: Personal Consumer Issues
Topic: New iPad use
Replies: 34
Views: 2945

Re: New iPad use

I used mine mostly for games and internet browsing, but the novelty wore off after a while. Once I got my MacBook Air and screen sizes on phones got bigger, I sold the iPad and haven't really missed it. For someone who likes to read a lot, I bet it's pretty useful for that purpose. Great thing about...
by climber2020
Thu Jun 01, 2017 7:27 am
Forum: Investing - Help with Personal Investments
Topic: What to do with extra $$$ in savings?
Replies: 10
Views: 1153

Re: What to do with extra $$$ in savings?

Here's a post from the recent past regarding variable annuities for the OP's casual reading:

https://www.bogleheads.org/forum/viewtopic.php?t=178874
by climber2020
Thu Jun 01, 2017 6:54 am
Forum: Investing - Help with Personal Investments
Topic: What to do with extra $$$ in savings?
Replies: 10
Views: 1153

Re: What to do with extra $$$ in savings?

CyclingDuo wrote:After tax dollars can be invested in tax deferred variable annuities


I don't know much about these except that the general consensus on this board is that variable annuities are garbage. Can some more knowledgeable forum members please comment?
by climber2020
Tue May 30, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Do I deserve it? [A new car]
Replies: 69
Views: 5394

Re: Do I deserve it?

No. You're 25 and living with your parents. First priority should be moving out and getting your own place.
by climber2020
Sun May 28, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 138
Views: 9801

Re: Play Money for Spouse....

Seems pretty simple: she can work more shifts and spend the extra income on herself. She's a nurse and making an average of $12,000 a year, which means she's not working much. Now that your only kid is soon to be out of the house, what's stopping her from working a little more? That would easily bri...
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: 709

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: 1688

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: 720

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: 1688

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: 9932

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: 1243

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: 987

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: 4231

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: 1167

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: 1167

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: 19252

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: 4782

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: 4221

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: 248
Views: 27254

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: 4781

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: 4519

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: 1363

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: 2957

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.

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