Search found 650 matches

by climber2020
Wed Nov 23, 2016 5:22 pm
Forum: Personal Consumer Issues
Topic: recommendations on frugal living forums?
Replies: 17
Views: 3037

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: 3729

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: 1767

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: 3575

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: 831

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: 636

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: 3703

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: 13410

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: 3703

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: 1276

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: 5415

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: 5415

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: 1340

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: 4501

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: 2257

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: 4080

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: 3210

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: 3210

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: 2068

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: 5601

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: 518

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: 983

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: 1104

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: 3120

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: 2075

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: 3478

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: 2554

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: 3478

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: 5708

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: 5708

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: 991

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: 32
Views: 3290

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: 1737

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: 2710

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: 2531

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: 3501

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: 3057

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: 7013

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: 2195

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: 98
Views: 6621

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: 3585

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: 2618

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: 4823

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: 1249

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: 2104

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: 10017

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: 4950

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: 460

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: 2688

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...

Go to advanced search