Search found 669 matches

by climber2020
Wed Feb 22, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting review of my IPS (Doctor)
Replies: 20
Views: 875

Re: Doctor requesting review of my IPS

KidneyMD wrote:I'm in my first year of a 3-year fellowship and will be entering a subspecialty that pays about $125-150k/yr starting salary.


What's the average mid-career salary in your specialty?
by climber2020
Fri Feb 17, 2017 11:30 pm
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 56
Views: 3017

Re: Long Day Trip: Drive Old Car or Rent Car?

I would drive the car you have. That's what it's for.
by climber2020
Fri Feb 17, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Vietnam
Replies: 31
Views: 2450

Re: Vietnam

Take some Cipro. Despite good hand hygiene, several people in our group got sick while traveling across Vietnam.

Hoi An and Ha Long Bay were my favorite parts of the country.
by climber2020
Tue Feb 14, 2017 11:06 am
Forum: Investing - Help with Personal Investments
Topic: MetLife Promise Whole Life Select 10
Replies: 16
Views: 1146

Re: MetLife Promise Whole Life Select 10

Once you have invested 20k keep it going. So far I've made only one payment so I'm considering cancelling it all together. I don't know much about how the payments work, but it is typical to pay the entire year's premium in one big chunk? Or is the sunk cost at this point only a month's payment of ...
by climber2020
Mon Feb 13, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: why invest internationally?
Replies: 72
Views: 3356

Re: why invest internationally?

but in almost every portfolio going back 20 years had someone kept out foreign/emerging, they would have done considerably better. Unless you can find some evidence that past performance is predictive of future performance, the above statement is irrelevant. What you want is the best portfolio goin...
by climber2020
Sun Feb 12, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Making prints from iPhone photos
Replies: 12
Views: 869

Re: Making prints from iPhone photos

Adoramapix is also a good site to order prints. They have more options as far as print sizes and finishes. I also use Walmart frequently and find that their online prints turn out better than ones printed in the store. Don't knock iphone photos. While the iphone cameras lack the flexibility of a DSL...
by climber2020
Thu Feb 02, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 3625

Re: Should I say YES or NO to this new job responsibility?

Hell no. You're adding to an already full schedule for no additional pay. Let someone treat you like a doormat once, and they'll continue to treat you like a doormat.

Mues wrote:I would do it.

But I'm a big believer of you got to put in to get out.



This is often not true in medicine.
by climber2020
Tue Jan 31, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: How do empty restaurants stay in business?
Replies: 28
Views: 2747

Re: How do empty restaurants stay in business?

It could be a front for money laundering.
by climber2020
Wed Jan 25, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Storing pictures on long trips
Replies: 24
Views: 1258

Re: Storing pictures on long trips

Maybe this is unusual, but I travel a lot and have never transferred any photos until after the trip was over. I do take several smaller high quality SD cards as opposed to one large SD card, so that in the event a card gets corrupted or a camera gets stolen (neither of which has ever happened) I on...
by climber2020
Tue Jan 24, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Camera Recommendation
Replies: 13
Views: 718

Re: Camera Recommendation

I've followed several photo websites/blogs over the years, and my favorites are Thom Hogan and Ming Thein. A google search will take you to their respective websites. Dpreview is decent for camera reviews, but do yourself a favor and stay away from the forums as there is an abundance of internet tro...
by climber2020
Wed Jan 11, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Shutterbugs - How do you organize your digital photos?
Replies: 44
Views: 2892

Re: Shutterbugs - How do you organize your digital photos?

I'm not a fan of Apple Photos either, but it's what I use for the time being. I preferred the old organization system of iPhoto which was replaced by Photos and is no longer available. Files get processed initially in Lightroom, and the JPEGs then go into Photos. RAW files go into a separate folder ...
by climber2020
Mon Jan 09, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: advice on camera repair for sony Rx 100
Replies: 11
Views: 705

Re: advice on camera repair for sony Rx 100

Precision Camera is junk. I previously sent them a Nikon point and shoot that was under warranty. They didn't fix the problem, and their customer service department was very difficult to get a hold of. I never sent the camera back because of the hassle and the fact that the problem was minor and did...
by climber2020
Tue Dec 27, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: Study Table for kids
Replies: 16
Views: 817

Re: Study Table for kids

One idea you can consider is to hire a local carpenter to build you one. My parents did this for me when I was in grade school. Just a basic round table with 4 legs. It was both less expensive and better quality (real wood) compared to the pre-made ones. I still use it today as my kitchen table; it ...
by climber2020
Fri Dec 23, 2016 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Future budget for health insurance
Replies: 17
Views: 1135

Re: Future budget for health insurance

Practically unknowable with the current political climate. See what it costs now on healthcare.gov now and multiply it by x. No one can know what x is right now. +1 In addition to the premiums the deductibles and out of pocket amounts have changed a lot every year. So I guess it's nearly impossible...
by climber2020
Wed Dec 21, 2016 8:08 am
Forum: Personal Consumer Issues
Topic: Is it rude to dispose of unwanted gifts?
Replies: 60
Views: 5287

Re: Is it rude to dispose of unwanted gifts?

See if you can take it back to the store and get either some money or store credit. That's usually what I do every year. If that doesn't work, it goes to Goodwill or in the garbage can. Whether or not the gift giver thinks it's rude is irrelevant. Keeping a clean, uncluttered house takes priority fo...
by climber2020
Tue Dec 20, 2016 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Borrow money to invest?
Replies: 33
Views: 2585

Re: Borrow money to invest?

Read this classic thread:

https://www.bogleheads.org/forum/viewtopic.php?t=5934

Lots of great stuff there.
by climber2020
Mon Dec 19, 2016 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of person buys a franchise?
Replies: 49
Views: 5427

Re: What kind of person buys a franchise?

Shaquille O'Neal bought a Krispy Kreme in Atlanta a few months ago.
by climber2020
Wed Dec 07, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: Books (real or digital)
Replies: 40
Views: 1596

Re: Books (real or digital)

I don't read much for fun anymore, but when I do I prefer paper. There's no rational reason why; I just like the experience better.

I stopped buying books a while back. If I want to read one, which is rarely, I get it from the library.
by climber2020
Wed Nov 23, 2016 5:22 pm
Forum: Personal Consumer Issues
Topic: recommendations on frugal living forums?
Replies: 18
Views: 4120

Re: recommendations on frugal living forums?

theminimalists.com

becomingminimalist.com

bemorewithless.com

rowdykittens.com

mnmlist.com
by climber2020
Sun Nov 20, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Whole life - 7 "pithy" questions to ask the salesman
Replies: 43
Views: 4046

Re: Whole life - 7 "pithy" questions to ask the salesman

One question:

What is the salesperson's commission when this product is sold?
by climber2020
Sat Nov 05, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: Best way to buy a new/used Mac book Air
Replies: 19
Views: 2019

Re: Best way to buy a new/used Mac book Air

B&H Photo based out of New York usually has pretty good deals on some of the low to mid-tier MacBooks. Either that or Buying refurbished from Apple.
by climber2020
Fri Nov 04, 2016 5:12 pm
Forum: Personal Consumer Issues
Topic: Gaming system for kids?
Replies: 53
Views: 4720

Re: Gaming system for kids?

My almost 7 year old wants a video game system for Christmas. Does anyone have any recommendations on good video game systems for little kids? We were thinking about the Wii U, but we heard they may discontinue those soon. Any advice would be appreciated! Ask your kid what he wants. You don't want ...
by climber2020
Tue Oct 11, 2016 2:51 am
Forum: Personal Consumer Issues
Topic: Advantage Car Rental
Replies: 10
Views: 887

Re: Advantage Car Rental

Advantage, Dollar, Thrifty, and Fox are all routinely cheaper than the others. You get what you pay for, but most of the time you'll probably be okay. I've had a few issues using these companies before, including getting stranded at the airport because they refused to honor my reservation, so I don'...
by climber2020
Mon Oct 10, 2016 8:59 pm
Forum: Personal Consumer Issues
Topic: I need a spare tire for my car
Replies: 13
Views: 668

Re: I need a spare tire for my car

Junk yard is a great option. Call around and see if they have any of your model car and they will gladly sell you any part you want. I did this to get a full size spare tire for my car (not a fan of donuts).
by climber2020
Sun Oct 09, 2016 6:33 pm
Forum: Personal Consumer Issues
Topic: Camera recommendations- Not SLR
Replies: 52
Views: 3985

Re: Camera recommendations- Not SLR

Leica rangefinder - I would check out B&H photo in NYC , competitive prices and great customer service !!! Completely the opposite of what he is looking for. The only Leica that even comes close is the Polaroid knock-off they just released. We are not very knowledgeable photographers. Point and...
by climber2020
Sat Oct 08, 2016 6:17 pm
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 109
Views: 13811

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

Philip_Marlowe wrote:I'm wondering how others resist lifestyle creep when everyone around them is spending.


I'm in medicine but generally don't hang out with other doctors and have very few close friends who are also physicians. Having a financially modest social circle helps tremendously.
by climber2020
Sat Oct 08, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: Camera recommendations- Not SLR
Replies: 52
Views: 3985

Re: Camera recommendations- Not SLR

If you absolutely must have a zoom, then Sony RX100.

Otherwise, probably the best deal in photography right now is a used Nikon Coolpix A which can occasionally be found in like-new condition on keh.com for under $300. Fantastic camera with a sharp lens, great battery life, and beautiful files.
by climber2020
Fri Oct 07, 2016 11:13 pm
Forum: Personal Consumer Issues
Topic: Looking for good mountain scenery near Denver
Replies: 16
Views: 1329

Re: Looking for good mountain scenery near Denver

Mount Evans, if the roads are still open.

Any place you can drive to always has the potential for large crowds. The most isolated mountain tops I have been to in Colorado have all been accessible only by long, strenuous hikes.
by climber2020
Thu Oct 06, 2016 7:00 am
Forum: Personal Consumer Issues
Topic: Johnnie Walker Blue worth the cost?
Replies: 70
Views: 5681

Re: Johnnie Walker Blue worth the cost?

Thanks for all the advice so far. I'm not dead set on scotch for this gift; a nice bottle of bourbon would also be a consideration, so any recommendations there would be appreciated as well.
by climber2020
Thu Oct 06, 2016 5:49 am
Forum: Personal Consumer Issues
Topic: Johnnie Walker Blue worth the cost?
Replies: 70
Views: 5681

Johnnie Walker Blue worth the cost?

Hi everyone, I'm looking for a nice bottle of whisky as part of a groomsmen gift and am wondering if Johnnie Walker Blue was worth the high price tag. I've read some very contrasting reviews online. Only one of the 4 guys is someone I would consider a Scotch connoisseur, so an oddball single malt is...
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: 1395

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: 66
Views: 4802

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: 2374

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: 4287

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: 3458

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: 3458

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: 2203

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: 5887

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: 547

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: 1042

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: 1187

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: 3274

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: 2183

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: 3697

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: 2664

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: 3697

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: 6108

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: 6108

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...

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