Search found 608 matches

by climber2020
Wed Jul 27, 2016 6:17 am
Forum: Personal Consumer Issues
Topic: Buying a used DSLR Suggestion
Replies: 25
Views: 1263

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: 4364

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: 1121

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: 1921

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: 9387

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: 4583

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: 423

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: 2398

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: 2398

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: 2398

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: 2398

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: 1998

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: 10929

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: 3157

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: 4314

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: 957

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: 6551

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: 22684

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: 6108

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: 1764

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: 3110

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: 2437

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: 1818

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: 1804

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: 8040

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: 3253

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: 3415

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: 3415

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: 7445

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: 1908

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: 1908

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: 2397

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: 653

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: 3314

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: 542

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: 6636

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: 3568

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.
by climber2020
Fri Mar 18, 2016 7:33 am
Forum: Personal Consumer Issues
Topic: Trip to Vail Colorado
Replies: 12
Views: 1226

Re: Trip to Vail Colorado

Mt. Holy Cross is the closest fourteener about 30 minutes away. Holy Cross should not be attempted unless the person has both fully acclimated to the high altitude and is in excellent cardiovascular shape. The listed elevation gain of the standard trail is deceiving because you have to hike up and ...
by climber2020
Thu Mar 17, 2016 4:42 pm
Forum: Personal Consumer Issues
Topic: Trip to Vail Colorado
Replies: 12
Views: 1226

Re: Trip to Vail Colorado

Quandary Peak is about 50 miles from Vail and is one of the easier 14ers in Colorado. Straightforward trail with little chance of serious injury. From what I remember, you can drive all the way to the trailhead without having to go offroad. The view from the top is spectacular, as it is with pretty ...
by climber2020
Sun Mar 13, 2016 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: small car accident - when is it ok to not file a police report?
Replies: 27
Views: 2411

Re: small car accident - when is it ok to not file a police report?

I've been in several wrecks, all the other person's fault (so far), and I called the cops every time. Recently, I also take pictures of both cars, the other person's car plate, and a good face shot of the person who hit me. I don't trust anyone to do the right thing. The last guy who hit me was unin...
by climber2020
Sat Mar 12, 2016 7:00 am
Forum: Investing - Theory, News & General
Topic: Records - what to keep.
Replies: 18
Views: 1982

Re: Records - what to keep.

You could just take a picture and toss the originals. I think the only paper documents I have are my birth certificate, car title, and house loan stuff. All else is photographed, turned into a pdf with Turboscan, and backed up in 3 places.
by climber2020
Fri Mar 11, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: Dogs & my mailbox
Replies: 37
Views: 2651

Re: Dogs & my mailbox

[OT comment removed by moderator prudent]
by climber2020
Tue Mar 08, 2016 9:26 am
Forum: Investing - Help with Personal Investments
Topic: when to invest
Replies: 12
Views: 1291

Re: I have 100,000

Take the advice you were already given when you posted the same question in January:

viewtopic.php?f=1&t=182023&p=2758430#p2758430

[Note: this was posted before the threads were merged - moderator prudent]
by climber2020
Sun Mar 06, 2016 7:26 pm
Forum: Personal Consumer Issues
Topic: Bread - The Cost and Convenience
Replies: 94
Views: 9715

Re: Bread - The Cost and Convenience

Walmart sells a huge Italian loaf for $1. It's in the bakery where they make the loaves fresh daily. It's excellent. The quality likely varies depending on location, but the ones at my local Walmart taste better than the bread loaves at any of the competing grocery stores that sell them for $3 to $5.
by climber2020
Sat Mar 05, 2016 6:50 pm
Forum: Personal Consumer Issues
Topic: DSLR recommendations for photos of young kids
Replies: 32
Views: 1943

Re: DSLR recommendations for photos of young kids

Based on what you wrote, I don't think a new camera is going to solve your problem. If anything, going to full frame is going to magnify any technique deficiencies you already have, especially if you're shooting moving objects with a large aperture lens that has a narrow plane of focus to begin with...
by climber2020
Sat Mar 05, 2016 8:55 am
Forum: Personal Consumer Issues
Topic: Transferring digital photos?
Replies: 5
Views: 524

Re: Transferring digital photos?

Best way to do it is probably Time Machine. It's a program included with all macs that automatically backs up your entire computer onto an external hard drive. Once it's backed up, you can transfer some or all of the files from the old computer to the new one, plus you'll have a backup for when your...
by climber2020
Thu Mar 03, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: Meaning of term "Board Certified Physician"?
Replies: 38
Views: 4326

Re: Meaning of term "Board Certified Physician"?

While certainly no guarantee of competence, board certification indicates a completed residency training and passage of a board exam to test relevant knowledge. I disagree with the last part of the sentence. At least for our board exams, the majority of the exam tests insignificant minutia that has...
by climber2020
Wed Mar 02, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: Meaning of term "Board Certified Physician"?
Replies: 38
Views: 4326

Re: Meaning of term "Board Certified Physician"?

Doctors in the US who have a medical license and have completed an accredited residency program are eligible to sit for the board exam in their chosen specialty. Once this exam is passed, that person is board certified. A non-board certified physician does not meet the requirements above, i.e. Didn'...
by climber2020
Tue Mar 01, 2016 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone sell a timeshare?
Replies: 22
Views: 2820

Re: Anyone sell a timeshare?

I would think a 20% commission would be good, if they can even sell the thing. The few people I know who have timeshares can't even give them away for free.

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