Search found 620 matches

by climber2020
Sun Aug 28, 2016 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Can we get by without permanent life insurance?
Replies: 68
Views: 3613

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: 829

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: 23
Views: 2000

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: 1556

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: 2398

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: 2328

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: 3051

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: 2738

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: 6299

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: 1907

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: 52
Views: 2167

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: 3275

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: 2390

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: 4490

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: 1150

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: 1986

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: 9572

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: 4697

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: 427

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: 2463

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: 2463

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: 2463

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: 2463

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: 2077

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: 11198

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: 3289

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: 4377

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: 1002

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: 6702

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: 23003

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: 6213

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: 1800

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: 3145

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: 2491

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: 1842

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: 1814

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: 61
Views: 8198

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: 53
Views: 3323

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: 3498

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: 3498

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: 7526

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: 1965

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: 1965

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: 2463

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: 687

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: 3402

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: 558

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: 6827

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: 3645

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.

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