Search found 685 matches

by climber2020
Sat Mar 25, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Buying Sunglasses
Replies: 20
Views: 1949

Re: Buying Sunglasses

Optional. If you're not having light sensitivity, then don't worry about it.

If bright lights do bother you, then just find something that's comfortable. Everything that they sell nowadays is adequate to reduce harmful UV light.
by climber2020
Thu Mar 23, 2017 5:55 am
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 7140

Re: The $1,124,176 Car.

I get less than $500,000 after 40 years with 7% real return. For people curious about the math: If, instead of buying a fancier car, you invest your $4,918 annual savings in a Roth IRA at 7% for 40 years $4918 invested each year of the 40 year span results in the correct number. If course, this ass...
by climber2020
Mon Mar 20, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Agency - Are you kidding?
Replies: 33
Views: 4144

Re: Collection Agency - Are you kidding?

Classic Comcast. Your story is very typical. What a bunch of worthless goons.

If calling Comcast doesn't work, I would file a complaint with the Federal Trade Commission.
by climber2020
Mon Mar 20, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Malpractice Asset Protection
Replies: 18
Views: 1053

Re: Malpractice Asset Protection

Relatively new attending physician here. What do you guys all be for asset protection from malpractice suits? ! Probably not the type of answer you're looking for, but maintain good communication skills. Or learn them if your communication skills are anything short of excellent. People generally do...
by climber2020
Sat Mar 18, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 43
Views: 2819

Re: Best place to get eyeglasses / no vision insurance

Medical insurance will typically not cover simple vision exams. But if you go to the ophthalmologist and tell them your eyes feel a little dry sometimes, then that would be covered as a medical visit and you can get a glasses prescription at the same time.
by climber2020
Thu Mar 16, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 5222

Re: Suspicious organic products

Huh. I thought it was arsenic. Now the fad is heavy metals I guess. If you want rice that isn't from around the Mississippi River, go to any Asian supermarket and you can buy a 15 pound bag for 8 bucks. Most of what they sell is grown in California. Don't stress out about small quantities of toxins....
by climber2020
Tue Mar 14, 2017 9:36 am
Forum: Investing - Theory, News & General
Topic: How Many Contribute To A Retirement Fund But Never Invest
Replies: 21
Views: 2316

Re: How Many Contribute To A Retirement Fund But Never Invest

I did this when I was in school/training for a few years because I knew nothing about investing at that point. By random luck it turned out very well, as the money in my Roth sat in a money market account in 2006, 2007, and 2008 before finally being directed toward a balanced fund in 2009 after ever...
by climber2020
Tue Mar 14, 2017 8:43 am
Forum: Personal Finance (Not Investing)
Topic: How to tackle fiancee's student loan debt
Replies: 33
Views: 2506

Re: How to tackle fiancee's student loan debt

From a strictly financial point of view, won't we end up paying more by taking out loans over the next two years? Probably. But this isn't a purely financial decision. Don't let your emotions cloud your judgment. Lots of stuff can happen, so wait until you're actually married. I was in a similar si...
by climber2020
Tue Mar 07, 2017 7:13 am
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 176
Views: 14720

Re: How Much in Your Emergency Fund And Is It Used?

I used to keep 50k around as an emergency fund, which at the time could last me about 2 years in the event of a job loss. The only time I ever used it was several years ago when my car unexpectedly died on the highway and I had to buy a new car on short notice. About 3 years ago, I gradually began i...
by climber2020
Wed Mar 01, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't I save enough to have decent vacation or restaurant meal
Replies: 125
Views: 10997

Re: Why can't I save enough to have decent vacation or restaurant meal

saddle_up wrote:Hello all, I am 40 yr old male and I along with my wife part time job (38 yr) earn 130K p.a + 10% Bonus. The issue we have is we hardly save anything for family to earn a decent vacation or a restaurant meals


What was the price you paid for the house you live in?
by climber2020
Wed Mar 01, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Climate and happiness revisited
Replies: 111
Views: 6589

Re: Climate and happiness revisited

I'd like to hear from people that moved because of climate/weather. ? This was incredibly important during my own job search. I ended up taking a lower paying job in an area with great weather and interesting geography because I like doing stuff outside on the weekends. Totally worth the sacrifice ...
by climber2020
Tue Feb 28, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with Life Insurance Salesmen
Replies: 32
Views: 2201

Re: Meeting with Life Insurance Salesmen

buccimane wrote:I would just like some hard hitting questions to spur conversation


"What's the difference in your commission between a term life policy and an equivalent whole life policy?"
by climber2020
Tue Feb 28, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 4956

Re: Don't pay full price for cable TV

On the install date, the new provider finished their work and later that afternoon, I get a call from Comcast offering to match their rate. Seriously, you couldn't have done that when I called to cancel? If you've cancelled with Comcast, make sure you get a paper receipt when you return your equipm...
by climber2020
Tue Feb 28, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 4956

Re: Don't pay full price for cable TV

I opted to pay slightly more for our local fiber optic tv/internet service. Their customer service is outstanding, there's no contract, no equipment rental scams, and when you call with a problem, someone picks up the phone who actually lives in the country and speaks English. There's also no negoti...
by climber2020
Mon Feb 27, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Household budget
Replies: 28
Views: 3044

Re: Household budget

I can't understand where the money comes from for people who spend much more on, for example, housing. Or how some people save 50%. Can't speak for others, but I can give some details about how I'm able to consistently save around 50% of my gross income: I live in a state with no income tax and low...
by climber2020
Sat Feb 25, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Trip to Savannah GA
Replies: 33
Views: 2191

Re: Trip to Savannah GA

Been to Savannah at least a dozen times. Love it there. River Street is fun for walking, people watching, and getting lots of drinks. Several places with live music if that interests you. There's a guy named Tobias who does an adults-only ghost tour at night that's excellent. It's not cheesy like ma...
by climber2020
Wed Feb 22, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting review of my IPS (Doctor)
Replies: 23
Views: 1461

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: 59
Views: 3554

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: 2655

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: 1235

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: 3584

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: 943

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: 3692

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: 2867

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: 1344

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: 14
Views: 949

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: 3076

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: 763

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: 876

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: 1172

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: 5447

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: 2633

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: 5584

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: 1639

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: 4204

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: 4138

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: 2053

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: 4879

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: 898

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: 679

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: 4163

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: 13960

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: 4163

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: 1371

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: 5841

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: 5841

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: 1405

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: 4907

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.

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