Search found 1044 matches

by climber2020
Fri Aug 17, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Best (cheapest) way to book a flight well in advance
Replies: 15
Views: 1168

Re: Best (cheapest) way to book a flight well in advance

We're taking a trip to Costa Rica in February 2019. It'll be a large family event with everyone flying down (parents, 4 siblings, 3 little ones), and we've already booked a large beachfront home on HomeAway. Now that accommodations are locked in, I'm looking at options to book the best flight. 'Bes...
by climber2020
Tue Aug 14, 2018 10:52 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 484
Views: 26679

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

OP, I'm not seeing you chime in, so I'm assuming nothing is convincing you to stay the course. Will you agree to come back to this post in 5 years, say approximately 2024, and look at the past 22 years of returns (2002-2024) as you are doing now and see how US compares to Int'l, and post your resul...
by climber2020
Tue Aug 14, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 52
Views: 3830

Re: Adult piggy bank

Jelly Belly jar with lid.

An added bonus is you get to eat the jelly beans beforehand.
by climber2020
Mon Aug 13, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Key West Family Vacation - February
Replies: 25
Views: 1646

Re: Key West Family Vacation - February

Mallory square around an hour before sunset (street performers).
Hemingway House. See the 6 toed cats.
Butterfly conservatory.
Rent Kayaks.
Rent bicycles and ride around.
See Robert the Doll.
by climber2020
Sat Aug 11, 2018 8:47 am
Forum: Investing - Help with Personal Investments
Topic: RDFN and housing market slow down...
Replies: 11
Views: 1357

Re: RDFN and housing market slow down...

Here's the RDFN thread mentioned earlier:

viewtopic.php?f=1&t=239474
by climber2020
Sat Aug 11, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 335
Views: 63310

Re: Retreat to cash

Reviving this thread to hear of any updates of how this whole endeavor is going.
by climber2020
Thu Aug 09, 2018 5:46 am
Forum: Personal Finance (Not Investing)
Topic: Biggest Threats to Financial Well-Being
Replies: 99
Views: 8923

Re: Biggest Threats to Financial Well-Being

Peer pressure. This one's a big problem for many people in my line of work.

Too much house.
Vacation house.
Too much car.
Buying a boat when one is not anything close to being wealthy.
Student loans.
by climber2020
Wed Aug 08, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Saving Enough for Retirement vs Vacation Home
Replies: 36
Views: 3535

Re: Saving Enough for Retirement vs Vacation Home

I am a teacher so I have the summers off, and my wife works from home 3 or 4 days a week, so we would use the place a lot in the summer. Another thing to consider is that your tastes may change over time. I've taken the exact same vacation to the Rockies every February going on 13 years now. For th...
by climber2020
Wed Aug 08, 2018 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Saving Enough for Retirement vs Vacation Home
Replies: 36
Views: 3535

Re: Saving Enough for Retirement?

The recurring yearly cost for the vacation house is $18,000 a year (1500x12). You can stay many nights at a really nice hotel for a lot less than that and not have the burden of owning a piece of property that you will feel obligated to visit due to sunk costs.
by climber2020
Tue Aug 07, 2018 6:16 am
Forum: Personal Consumer Issues
Topic: Relaxing - quieting the mind
Replies: 47
Views: 2931

Re: Relaxing - quieting the mind

This may not belong here, so please feel free to close it or something along those lines. I work in a rather stressful time intensive job and as a parent of a young kid, myself and the mrs are always "on call" 24/7 and the more i get focused on various aspects of the world, work, socializing, home,...
by climber2020
Mon Aug 06, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Getting the stink out of synthetic shirts
Replies: 37
Views: 2487

Re: Getting the stink out of synthetic shirts

What brand of shirts do you wear? I've noticed, through lots of trial and error, that cheap synthetic shirts start to smell bad after not too long a time. The more expensive ones tend to do better. I have a Columbia Titanium t-shirt that is almost 10 years old and is worn regularly on my trail runs....
by climber2020
Fri Aug 03, 2018 6:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: How did you become a Boglehead?
Replies: 53
Views: 3426

Re: How did you become a Boglehead?

I'm curious about the stories of other Bogleheads. How did you become a Boglehead? Financial adviser tried to screw me with a whole life policy when I was single, had no dependents, and expressed that I would never have kids. Suspicion and some basic internet research led me to White Coat Investor ...
by climber2020
Tue Jul 31, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 160
Views: 7844

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

The only time I've ever purchased medical evacuation insurance is when I went to Easter Island. It's one of the most remote inhabited places on earth and medical care on the island is limited, so I thought it'd be a good idea. That was a special case; I don't usually buy any kind of travel insurance...
by climber2020
Mon Jul 30, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: To buy a home, or not to buy; the eternal question!
Replies: 12
Views: 968

Re: To buy a home, or not to buy; the eternal question!

One important objective for us is to buy a piece of land out west (Colorado, Utah, Idaho, etc) and build a house that will eventually serve as a retirement home. We want to begin this process in the next 10 years, with the hopes that it will serve as a vacation property, family meeting place, and e...
by climber2020
Wed Jul 25, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Traveling to Cuba - currency exchange
Replies: 27
Views: 1581

Re: Traveling to Cuba - currency exchange

Posting to follow this thread. I'm going to Cuba in a few months, so I'd like to hear what people have to say.
by climber2020
Tue Jul 24, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Plannig International trips
Replies: 10
Views: 678

Re: Plannig International trips

Is taking less stuff an option? Then you don't have to worry about any of this. I've gone on month long trips with a single backpack, so it can be done if you're motivated enough.
by climber2020
Fri Jul 13, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 81
Views: 5515

Re: Would you trade experiences in your youth for early retirement

So I am interested, how are other BH balancing their retirement savings goals with having a life today, in the present? Or is everyone just living for that someday when they can walk into their bosses office and tell him they are done? I do the important things I want to do and still have plenty le...
by climber2020
Wed Jul 11, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Printing photos from JPG files
Replies: 30
Views: 1188

Re: Printing photos from JPG files

Interesting, thanks. So, if I follow you correctly I guess the JPEG files I have aren't as high resolution as the .RAW format the photographer shot originally. But, I guess you are saying that the JPEG can still be good enough. A RAW file is the digital equivalent of a film negative. All the inform...
by climber2020
Mon Jul 09, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Moving Tip and Ideas?
Replies: 23
Views: 1446

Re: Moving Tip and Ideas?

Tips on downsizing? I am moving from a medium city to DC and may have to significantly reduce my house size. Throw away, donate, or sell as much as you can. I did this a lot for my last couple of moves but wish in hindsight that I had been more aggressive about throwing away unnecessary things. Of ...
by climber2020
Sun Jul 08, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Colorado Day Hike Suggestions
Replies: 21
Views: 1231

Re: Colorado Day Hike Suggestions

Bacchus01 wrote:
Sun Jul 08, 2018 4:24 pm
Now leaning towards Grays and Torreys Peak.
Kelso Ridge is a nice trail up to those two peaks. Lots of great scrambling on the way up.
by climber2020
Sun Jul 08, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Colorado Day Hike Suggestions
Replies: 21
Views: 1231

Re: Colorado Day Hike Suggestions

It looks like they are not letting people to drive up to Pikes Peak this summer, so catching a ride seems suspect. How difficult is Sawtooth if I want to hit Evans as well? Sawtooth is awesome, but parts of it are exposed to steep drop offs. People occasionally fall off and die, but I didn't feel t...
by climber2020
Mon Jul 02, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: International Vacation Ideas
Replies: 47
Views: 3348

Re: International Vacation Ideas

Been to Machu Picchu? There's a lot of interesting stuff to see around the rest of Peru as well.
by climber2020
Tue Jun 26, 2018 9:10 am
Forum: Investing - Theory, News & General
Topic: Is there a way to avoid bad companies in S&P 500?
Replies: 92
Views: 4684

Re: Is there a way to avoid bad companies in S&P 500?

Any intelligent person who can do this consistently is certainly not going to lose a huge competitive advantage by telling you or anyone else.
by climber2020
Fri Jun 22, 2018 7:38 am
Forum: Personal Consumer Issues
Topic: How to get cheap flights?
Replies: 18
Views: 1114

Re: How to get cheap flights?

I need to fly to Florida on July 4th week and the prices were around $350 ish last night and jumped to $454 this morning, I don't fly often at all but something tells me there's a better way to do this... my question is how do I get cheap roundtrip flights or even free flights that aren't a hassle ...
by climber2020
Wed Jun 20, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Cataract surgery - one or two?
Replies: 31
Views: 1269

Re: Cataract surgery - one or two?

One eye at a time always . The day big insurance or the US government dictates I have to operate on both eyes at the same time is the day I will stop doing surgery. Before the surgery, measurements of the eyes (the distance from the front of the eye to the back and the curvature of the cornea) are p...
by climber2020
Fri May 11, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 5239

Re: Anyone buy carbon offsets when flying?

The older I get the more I worry about my carbon footprint. I would think the older you get, the less you would worry about it. I'm in my 30s and don't worry about it at all; most of us here will be dead by the time this becomes a serious problem. My own contribution to the health of the earth is n...
by climber2020
Wed May 09, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 6111

Re: What's the view on dogs running free?

We have a degenerate in our neighborhood who lets his dogs roam free and poop in everyone else's yard. I don't think anyone else had ever said anything before. When it happened in my own front yard, I bagged it up, walked over, told him what happened, and tossed the bag of poop on his front porch. S...
by climber2020
Wed May 02, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 11175

Re: Have you quit eating sugar? Tell me how!

Singlemoi wrote:
Tue May 01, 2018 9:15 pm

What worked for you and how long have you been sugar -free? Thank you.
What's your end goal? Are you overweight due to the excess sugar intake?
by climber2020
Tue May 01, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Asheville, NC Visit
Replies: 20
Views: 2015

Re: Asheville, NC Visit

There's a drum circle on Friday nights in downtown that's fun to watch for a few minutes and also a lady who regularly sits on a bench outside The Noodle House with her top exposed. Funny to see people's reactions as they walk by.
by climber2020
Mon Apr 30, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Northern Hiking/Walking Vacation
Replies: 19
Views: 1494

Re: Northern Hiking/Walking Vacation

The Canadian rockies between Banff and Jasper have plenty of great day hikes.
by climber2020
Mon Apr 23, 2018 6:16 am
Forum: Personal Consumer Issues
Topic: Traveling to Asia-need advice
Replies: 46
Views: 3965

Re: Traveling to Asia-need advice

Take some Cipro for whenever he inevitably gets travelers diarrhea. Don't pack too much. Asia is one of the easiest destinations for a light packer, especially in the summer. Any kind of computer other than a smartphone is unnecessary unless he plans on working while overseas. One less heavy, big, e...
by climber2020
Tue Apr 17, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: underwater camera advice
Replies: 18
Views: 848

Re: underwater camera advice

The Olympus TG-5 has good reviews, and it's a more general purpose camera than a GoPro.

My underwater camera is an old Canon D10, which is still a solid camera for non-professional underwater use if you can find a decent used model.
by climber2020
Tue Apr 17, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 15868

Re: BH travel tips?

Also solar powered usb charger (same size as usb charger but one side had solar cells). Charges slowly but if the sun is all you have then whatever works. pack an external battery for emergencies. These external batteries seem to be very popular. I got one as a gift but got rid of it because it was...
by climber2020
Mon Apr 16, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 15868

Re: BH travel tips?

So you save 10 minutes at the airport by not having to wait for a checked bag but then have to go shopping for basic necessities? Similar to the "Don't want to spend time doing laundry" thing I mentioned above - seems like a trade-off (and one that might favor a checked bag to many people). I don't...
by climber2020
Sun Apr 15, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 15868

Re: BH travel tips?

For those of you who hand wash your own clothes, a Flexo-line is a useful tool that doesn't take up much space and weighs close to nothing. Unless you wring your clothes out really well, I would think you could end up with water dripping onto the floor as the clothes dry. I know people also like to...
by climber2020
Sun Apr 15, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Dealing with poorly assigned hotel rooms?
Replies: 41
Views: 3568

Re: Dealing with poorly assigned hotel rooms?

Leave a garbage review on every single travel website out there (tripadvisor, yelp, etc.).

I did this after staying in a subpar hotel room a few years back, and the hotel management saw the review and refunded all my money.
by climber2020
Sat Apr 14, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 15868

Re: BH travel tips?

Let’s share some BHish approaches to travel. Woolite is an excellent laundry detergent for travel. Much faster than using something like Tide for sink washing. I don't see this mentioned much, even among light travel aficionados. Really great stuff. I would love to hear some tips about traveling wi...
by climber2020
Wed Mar 21, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Any lawyers? Got scammed
Replies: 39
Views: 3866

Re: Any lawyers? Got scammed

My mom got scammed years back, so I tracked down the person's home address and phone number, called them at home in the evening from a payphone to verify the house address, and offered to drive over to the house with some friends the next day to get the money back. The lady showed up at my mom's pl...
by climber2020
Wed Mar 21, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Any lawyers? Got scammed
Replies: 39
Views: 3866

Re: Any lawyers? Got scammed

My mom got scammed years back, so I tracked down the person's home address and phone number, called them at home in the evening from a payphone to verify the house address, and offered to drive over to the house with some friends the next day to get the money back. The lady showed up at my mom's pl...
by climber2020
Wed Mar 21, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Any lawyers? Got scammed
Replies: 39
Views: 3866

Re: Any lawyers? Got scammed

My mom got scammed years back, so I tracked down the person's home address and phone number, called them at home in the evening from a payphone to verify the house address, and offered to drive over to the house with some friends the next day to get the money back. The lady showed up at my mom's pl...
by climber2020
Wed Mar 21, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Any lawyers? Got scammed
Replies: 39
Views: 3866

Re: Any lawyers? Got scammed

My mom got scammed years back, so I tracked down the person's home address and phone number, called them at home in the evening from a payphone to verify the house address, and offered to drive over to the house with some friends the next day to get the money back. The lady showed up at my mom's pla...
by climber2020
Mon Mar 19, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: 9th grade earth science honors or biology honors
Replies: 28
Views: 1903

Re: 9th grade earth science honors or biology honors

SimonJester wrote:
Mon Mar 19, 2018 5:09 pm
What do they call a MD that got Cs through school?
Not dermatologist.
by climber2020
Mon Mar 19, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: How do you find good travel deals?
Replies: 11
Views: 1423

Re: How do you find good travel deals?

The best way to get a good deal is to visit a destination when no one else is going. I'm visiting Egypt later this year and was surprised at how inexpensive tours and flights are. Tourism hasn't been so great there recently, so deals are plentiful. If you're specifically looking for package tours, T...
by climber2020
Mon Mar 19, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 17893

Re: Bought house six months ago - now feeling like we're treading water and can't save money

The OP has said several times that adjusting his charitable giving is non-negotiable based on his faith. Frankly, I’m disappointed in the number of posters who keep suggesting that he reduce it, despite his explanation that particular line item is non-negotiable. I'll talk to my wife and see if she...
by climber2020
Fri Mar 16, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: Which Day Hiking Trails Do You Recommend?
Replies: 44
Views: 3560

Re: Which Day Hiking Trails Do You Recommend?

The 14ers in Colorado are excellent hikes and there are over 50 of them. Mt Evans is a nice easy one for people who haven’t yet hiked at that altitude. There’s 58 14’ers. Mt Evans you can drive to the top of so that takes away from the adventure. I wouldn’t attempt any without being in top physical...
by climber2020
Fri Mar 16, 2018 6:19 am
Forum: Personal Consumer Issues
Topic: Which Day Hiking Trails Do You Recommend?
Replies: 44
Views: 3560

Re: Which Day Hiking Trails Do You Recommend?

The 14ers in Colorado are excellent hikes and there are over 50 of them. Mt Evans is a nice easy one for people who haven’t yet hiked at that altitude.
by climber2020
Wed Mar 14, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Tips on saving on living expenses for a first time single householder
Replies: 46
Views: 3440

Re: Tips on saving on living expenses for a first time single householder

1. No to the Costco membership. You're one person. Just go to Walmart or your local grocery store. 2. If you're not a TV guy, you can skip the TV. Can you watch stuff on your computer? 3. First of all, buying an instant pot is not an investment. That word is unfortunately used inappropriately in sit...
by climber2020
Tue Mar 13, 2018 6:59 am
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA Backdoor Roth - Getting double taxed
Replies: 10
Views: 1150

Re: FreeTaxUSA Backdoor Roth - Getting double taxed

I had this problem the first time I used FreeTaxUSA.

Just keep going, and eventually the numbers turn out right.
by climber2020
Sun Mar 11, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: PedalPub investment
Replies: 22
Views: 2210

Re: PedalPub investment

stemikger wrote:
Sun Mar 11, 2018 6:41 am

When I drink beer, I have to pee like a racehorse, where do these people go to the bathroom?
You don't stay on the pubcycle the entire time. It's a bar hopping tour. You start at one place, stay there for 15-20 minutes, get a drink, then cycle to the next bar.