Search found 1200 matches

by climber2020
Tue Nov 05, 2019 7:12 pm
Forum: Personal Consumer Issues
Topic: For those who fly often
Replies: 14
Views: 3248

Re: For those who fly often

Best approach is to go to a physical store and try several. Everyone’s body is built differently, so it’s hard to make a universal recommendation. The last neck pillow I bought was highly rated by travel websites and amazon, but it didn’t work well for me because either my neck is too long or I don’...
by climber2020
Thu Oct 31, 2019 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: [Just got married] Looking for ways to cut down on my budget
Replies: 80
Views: 6400

Re: How do people live on an average household income of 60K? Looking for ways to cut down on my budget

We kept our big expenses low - house and cars - and the rest is insignificant.

It's hard to live on 60k a year when you're spending 53% of it on the house.
by climber2020
Wed Oct 30, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: Unnecessary blood tests
Replies: 51
Views: 3020

Re: Unnecessary blood tests

Go to a different doctor.
by climber2020
Sat Oct 26, 2019 4:47 am
Forum: Personal Finance (Not Investing)
Topic: I no longer plan on retiring early
Replies: 110
Views: 15078

Re: I no longer plan on retiring early

There’s definitely a benefit to financial independence even without retiring early. I’m not completely there yet but after hitting a certain number, my stress level went down considerably. Two things that may still make me retire early though: being on call on the weekends and the ever present lawsu...
by climber2020
Mon Oct 21, 2019 8:34 am
Forum: Personal Investments
Topic: High income earner waiting for a bear market to start investing
Replies: 119
Views: 12076

Re: High income earner waiting for a bear market to start investing

Why not wait for the downturn to start investing? I plan to purchase ETFs/mutual funds and real estate in a bear market. We just had a 20% drop in December. Why didn't you do a lump sum contribution then? And if you want to buy something cheap now, International stocks have been middling for years.
by climber2020
Sat Oct 19, 2019 8:49 am
Forum: Personal Finance (Not Investing)
Topic: For those who are FI: At what point did you begin to relax?
Replies: 76
Views: 10152

Re: For those who are FI: At what point did you begin to relax?

I arbitrarily set up 3 levels of financial independence for myself: stage 1 (bare bones living expenses), stage 2 (comfortable, but no fancy vacations), and stage 3 (can quit forever and likely be fine). Once I reached stage 2, I cut back on my work hours and my general stress level declined signifi...
by climber2020
Tue Oct 15, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: College for real life use [Practical knowledge about investing]
Replies: 28
Views: 2736

Re: College for real life use

Wow guys, I’m just looking for some friendly advice! I’m not looking to beat the system because I’m an entitled jerk, I’m just looking to not get killed while trying to learn a new trade (as in occupation). I don’t know if some of you took my post the wrong way or you’re just bitter about something...
by climber2020
Sat Oct 12, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: What workout equipment to get?
Replies: 63
Views: 4654

Re: What workout equipment to get?

Do you live in a geographic location where you can buy a pair of running shoes and run outside for a few hours a week? A kettle bell and body weight exercise will do. Or just body weight exercises. A few years ago I transitioned to body weight exercises after doing free weights for many years. It's ...
by climber2020
Thu Oct 10, 2019 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Statements-Save Paper Ones? Electronic?
Replies: 35
Views: 1886

Re: Credit Card Statements-Save Paper Ones? Electronic?

I don’t save anything- paper or electronic. I do review my purchases on the credit card website several times a week, but as long as there are no mistakes what do you need the statements for?
by climber2020
Wed Oct 02, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Wedding Finances-Today
Replies: 107
Views: 8233

Re: Wedding Finances-Today

I got married in Key West a few years ago. We did an all inclusive package through one of the hotels there, and they arranged pretty much everything. Probably not the cheapest option, but it was very convenient. Having it in the fall right at the start of the off season helped keep costs down a litt...
by climber2020
Sat Sep 28, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: reserving uber a week ahead
Replies: 9
Views: 1007

Re: reserving uber a week ahead

Is it possible to arrange a very early pickup on a sunday with uber days in advance to the airport? No it is not. You can schedule a ride in advance, but all this does is send out a pickup request at the specified time you indicate; no actual reservation is made ahead of time with a specific driver...
by climber2020
Sat Aug 31, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Looking to buy a Patagonia jacket. Which are your favorites?
Replies: 27
Views: 2957

Re: Looking to buy a Patagonia jacket. Which are your favorites?

Find a store to try them on and decide. Their various clothing lines fit body styles differently. Some Patagonia clothing fits me perfectly and others in the same size make me look like I'm wearing a potato sack.
by climber2020
Thu Aug 29, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle
Replies: 51
Views: 3304

Re: Side Hustle

I do not have a "side hustle". I am not really sure what that even means. Part time job, whether employee or small business. I abhor the term but hear it everywhere. It makes more palatable the fact that many people are unfortunately unable to thrive on the income of one regular full time job, and ...
by climber2020
Thu Aug 15, 2019 7:09 pm
Forum: Personal Consumer Issues
Topic: Brown Bag Lunch Ideas
Replies: 70
Views: 4807

Re: Brown Bag Lunch Ideas

I've been eating either deli turkey sandwiches or chicken salad sandwiches for well over 20+ years of my career. I don't feel either one is tremendously healthy (deli meats are processed and high in sodium, and chicken salad if store-bought has too much fat from the mayo / additives). https://www.b...
by climber2020
Wed Aug 07, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Medicare vs Eye Docs
Replies: 34
Views: 3082

Re: Medicare vs Eye Docs

dm200 wrote:
Wed Aug 07, 2019 10:01 am

Is the legal ability for a "technician" to do refractions depend on particular state law or regulations? Are such well trained "technicians" licensed by the applicable state?
Don't know, but every place I've ever seen does the same thing, including the university where I did my training.
by climber2020
Wed Aug 07, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Medicare vs Eye Docs
Replies: 34
Views: 3082

Re: Medicare vs Eye Docs

Do Ophthalmologists perform refractions? I always assumed it was their technicians. We can; we just usually don't because it's an inefficient use of time. It's a time consuming process that can easily be done by a well trained technician. It's far more effective to have the MD stick to the medical ...
by climber2020
Tue Aug 06, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Son got diagnosed with Dyslexia/Needs special Tutor. Can I use 529 funds?
Replies: 10
Views: 1214

Re: Son got diagnosed with Dyslexia/Needs special Tutor. Can I use 529 funds?

My little girl was diagnosed with dyslexia a few years ago. We found a "Susan Barton" tutor and having been paying out of pocket.(and it's made a huge difference!) She's been telling me she needs glasses since first grade but the regular eye doctor I took her to every year says she has perfect visi...
by climber2020
Tue Aug 06, 2019 8:23 am
Forum: Personal Consumer Issues
Topic: How to deal with rainy weather on Ireland trip
Replies: 21
Views: 1117

Re: How to deal with rainy weather on Ireland trip

Wear sandals. The expensive kind. No wet socks and you can rinse them in the bathtub each night.

My usual travel shoe is the Chaco Z1 which is suitable for nearly everything except mountain climbing and walking through snow.
by climber2020
Mon Aug 05, 2019 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Medicare vs Eye Docs
Replies: 34
Views: 3082

Re: Medicare vs Eye Docs

The reason why the situation is complicated--and why both professions don't like to talk about it much--is that historically it is rather like the difference between osteopaths and MDs: optometrists and ophthalmologists come from historically distinct traditions. The difference between an optometri...
by climber2020
Thu Aug 01, 2019 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Bloomberg: Forget Tech, Medicine Still Pays More
Replies: 124
Views: 9516

Re: Bloomberg: Forget Tech, Medicine Still Pays More

Doctors dont go into it for the money. Not one student classmate of mine goes into it thinking about the money. Yeah we do. I'd estimate that at least half my med school class was in it primarily for monetary purposes. I don't think there's anything wrong with that. There's nothing special about do...
by climber2020
Thu Aug 01, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: Favorite Lunch Box or Bag
Replies: 22
Views: 1191

Re: Favorite Lunch Box or Bag

I use the traditional brown paper bag. Easy to recognize since few people seem to use them, and once I’m done I toss it out so there’s nothing to transport back home.
by climber2020
Tue Jul 30, 2019 5:54 pm
Forum: Personal Consumer Issues
Topic: Please help with vacation locations
Replies: 45
Views: 2258

Re: Please help with vacation locations

If you want something adventurous, enjoy hiking, and are in good shape, the western half of Colorado has some beautiful mountains worth exploring. This would easily fit your annual $2000 to $4500 budget, as the activities are almost all free; you just need lodging, a rental car, and food. Some of my...
by climber2020
Mon Jul 29, 2019 7:05 am
Forum: Forum Issues and Administration
Topic: Why is the forum blue?
Replies: 17
Views: 3685

Re: Why is the forum blue?

Blue light causes macular degeneration. There used to be an option to select a style, but no longer. No it doesn't. This is a myth propagated by people who want to sell you useless tinted glasses and vitamins you don't need. Sitting too close to the TV and reading in the dark don't ruin your eyes e...
by climber2020
Fri Jul 26, 2019 6:42 pm
Forum: Personal Investments
Topic: $$$ on the sideline and other thoughts
Replies: 19
Views: 1910

Re: $$$ on the sideline and other thoughts

This remainder we would park in cash/liquid assets and await the doom and gloom for buying opportunities. It might also partially help us ride out a 5-7 year downturn in our investment asset valuation. I thought this is what bonds were for. I feel within the next 5 years we will see a major pullbac...
by climber2020
Tue Jul 23, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Buenos Aires - How many days?
Replies: 33
Views: 2902

Re: Buenos Aires - How many days?

Iguazu and especially with the benefit of staying at that hotel inside the park is a fantastic experience. Don't let anyone feed you doubts on this. Early morning bird walks are available especially of you are already on site. I am not up to speed on the current status of transiting to the Brazil s...
by climber2020
Tue Jul 23, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Buenos Aires - How many days?
Replies: 33
Views: 2902

Re: Buenos Aires - How many days?

Do you have your heart set on Iguazu Falls? :twisted: I would third/fourth the suggestion that your consider Patagonia. My wife and I have been all over the place, and both of us still consider our time in Patagonia as the highlight of our last 20 years of travel. You could fly first to El Calafate...
by climber2020
Mon Jul 22, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: Buenos Aires - How many days?
Replies: 33
Views: 2902

Re: Buenos Aires - How many days?

Great- thanks for the tips everyone.
by climber2020
Sun Jul 21, 2019 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: When family members fight over the check when out to eat
Replies: 103
Views: 8470

Re: When family members fight over the check when out to eat

This behavior is standard in some cultures, and yes it is very embarrassing.

If I intend to pay the check, I leave to “use the bathroom” once everyone has ordered, find the server, and hand him my credit card.
by climber2020
Sun Jul 21, 2019 7:31 pm
Forum: Personal Consumer Issues
Topic: Buenos Aires - How many days?
Replies: 33
Views: 2902

Re: Buenos Aires - How many days?

Thanks for all the replies so far. Sounds like 2 days may be enough for our needs. If you don't care about having the best steak of your entire life for about $25, then skip the eating out I guess. I'm not a huge steak eater, but we actually flew there once mostly to eat more steak. It is life chang...
by climber2020
Sun Jul 21, 2019 4:31 pm
Forum: Personal Consumer Issues
Topic: Buenos Aires - How many days?
Replies: 33
Views: 2902

Buenos Aires - How many days?

Question for all the travelers here. We're planning a trip to Argentina, primarily to see Iguazu Falls over the span of several days. On our way back, we have to fly through Buenos Aires to get back to the US. How many days would be good to spend there before flying home? We're not big city people (...
by climber2020
Sun Jul 21, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: CD music to iMac MojaveOS no CD drive
Replies: 14
Views: 916

Re: CD music to iMac MojaveOS no CD drive

A while back I went to the Apple store to look at External CD drives. I was told they were not reliable. How can I add my CD music to my iMac? For this job, you don’t need reliable; you only need the drive to work long enough to burn all your CDs. I got a cheapo 3rd market external CD player from a...
by climber2020
Sun Jul 21, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: Digitize VCR to computer
Replies: 8
Views: 744

Re: Digitize VCR to computer

Has anyone used this product: Elgato Video Capture - Digitize Video for Mac, PC or iPad (USB 2.0) or something similar to convert old VCRs to digital files? Please share your experience. Works great. It’s a little slow, but you only need to do it once. After I converted my tapes, I sold the Elgato ...
by climber2020
Sat Jul 20, 2019 10:54 pm
Forum: Investing - Theory, News & General
Topic: One bad decision - examples?
Replies: 67
Views: 7193

Re: One bad decision - examples?

The GTAT example above is great. I remember following that discussion in real time as it was happening after someone here pointed it out (the forum at contrarianinvestor is shut down now so unfortunately no more access to those old posts). I know a few people nearing retirement age who panicked and ...
by climber2020
Thu Jul 18, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Box wine- update and recommendations?
Replies: 73
Views: 6023

Re: Box wine- update and recommendations?

Dottie57 wrote:
Wed Jul 17, 2019 8:46 pm
WhatIs the amount of time a box will last?
For us about 2-3 weeks before it starts tasting different, though I've had month old Bota Box wine and it was still good enough.

We buy the medium sized Bota Brick which is half the size as the big 3L one, so it never sits around long enough to go bad.
by climber2020
Wed Jul 17, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Working 4 days a week?
Replies: 39
Views: 3173

Re: Working 4 days a week?

I cut back to around 32 hours per week a few years ago when I was a bit younger than you, and it was one of my best life decisions. I use that extra time to exercise, spend time outdoors, or loaf around and do absolutely nothing (no kids, so plenty of opportunity to do this). My job is production ba...
by climber2020
Mon Jul 15, 2019 6:04 am
Forum: Personal Consumer Issues
Topic: I think i can spend 30k on this vacation, but wife not sure
Replies: 77
Views: 7727

Re: I think i can spend 30k on this vacation, but wife not sure

I want to go on a safari vacation, business class and Savings: 100k per year on 350k combined income Assets: 1.5 M 401k target retirement 2035 3.5M taxable – 60/40 in vtsax and intermed term bonds tax exempt No debt Would like to retire in 6 years or so. Some of my savings will be eaten up by colle...
by climber2020
Sun Jul 07, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: Sofa or couch ( an6 difference) for new homeowners
Replies: 25
Views: 1622

Re: Sofa or couch ( an6 difference) for new homeowners

Flexsteel sofas are well made, not that expensive, and have a reputation for lasting a long time.

We bought ours for around $1000 on sale and it's much better than pricier couches I've owned previously,
by climber2020
Sat Jun 29, 2019 7:05 am
Forum: Personal Investments
Topic: Holding foreign currency for travel
Replies: 11
Views: 679

Re: Holding foreign currency for travel

I think this is more trouble than it's worth. The opposite could happen and the exchange rate could become much more favorable; you can buy more Euros for a dollar today than you could 10 years ago. If the dollar temporarily tanks, there are plenty of interesting & safe places you can visit other th...
by climber2020
Mon Jun 24, 2019 6:05 am
Forum: Forum Issues and Administration
Topic: I am rejecting from reading a post
Replies: 11
Views: 2604

Re: I am rejecting from reading a post

Forum rules are broken (e.g. someone starts talking religion), the post is taken down, and no one can read it anymore. Happens regularly.
by climber2020
Sat Jun 22, 2019 7:23 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 8307

Re: How do you approach tipping at carry-out restaurants

Tipping is just stupid, plain and simple. Many other countries don't tip and you still get good service. In the US, tipping is just a bribe. Don't tip and no good service? No, it should come with the meal. In other countries, restaurants pay their employees a proper wage. Servers in many states get...
by climber2020
Sat Jun 08, 2019 7:02 pm
Forum: Personal Consumer Issues
Topic: Scanning photos yourself
Replies: 19
Views: 2164

Re: Scanning photos yourself

Built into Google Photos is a scanning feature on your phone.. It works incredible and automatically tags the photo and files it in your google photos.. Once in google photos you would never know it was not a picture you took yourself. It is amazing. I am like a crazy man when I go to my parents or...
by climber2020
Fri Jun 07, 2019 8:23 am
Forum: Personal Finance (Not Investing)
Topic: how to deal with people who are not living boglehead way of life
Replies: 45
Views: 3022

Re: how to deal with people who are not living boglehead way of life

I am 36, single guy and consider myself boglehead but i live around people who never heard about boglehead way of life. My question is, what you can you do to help when a person/people close you (family member, friends) keep making financial mistake one after another. If it's someone I'm very close...
by climber2020
Thu Jun 06, 2019 8:04 am
Forum: Personal Investments
Topic: Resident Physician
Replies: 33
Views: 4961

Re: Resident Physician

My question is, would I be better off purchasing the ETFs or waiting until I have enough to purchase the admiral shares, or just keep with the target date? If it were me, I'd keep it simple and stick the with Target Date fund. What you save & invest as a resident will be dwarfed by what you're able...
by climber2020
Thu May 30, 2019 5:47 am
Forum: Investing - Theory, News & General
Topic: 2% withdrawal rate
Replies: 182
Views: 13748

Re: 2% withdrawal rate

I've had a few nearly nuclear bombs dropped on me. My savings rate allowed me to weather those and then some. What were some of these financial bombs? The big ones I can think of are health, disability, home, and auto issues, all of which should be covered by sufficient insurance. It'd be good to h...
by climber2020
Mon May 27, 2019 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE in 6-7 years vs 20+ years
Replies: 44
Views: 5162

Re: FIRE in 6-7 years vs 20+ years

Residency training was very draining. I think I'm walking out burned out even before my career has officially started. I can relate. I got burned out in my 4th year of medical school and it never got better until I escaped residency. I've never been incarcerated, but I imagine it's the closest I'll...
by climber2020
Fri May 24, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: Keeping old negatives from photos (why keep them?)
Replies: 26
Views: 2347

Re: Keeping old negatives from photos (why keep them?)

Are there reasons for holding on to old 35 mm negatives? We have probably 30 years worth of old 35 mm pictures and negatives that we occasionally go thru (DW is looking for baby and middle school pictures of our daughter for her upcoming wedding). We have never had a photo printed from an old negat...
by climber2020
Fri May 17, 2019 9:16 am
Forum: Investing - Theory, News & General
Topic: Does stock allocation truly matter?
Replies: 61
Views: 5841

Re: Does stock allocation truly matter?

In the beginning when you have nothing, savings rate is more important. Toward the end when you have a huge pile from saving so much earlier in life, savings rate is less important and asset allocation & market performance is more significant. But you generally don't end up with a huge pile without ...
by climber2020
Tue May 14, 2019 5:51 pm
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 4355

Re: Instant Coffee?

I like Starbucks Via as well. I’m not a coffee snob by any means - my primary objective is the caffeine - but I don’t like most instant coffee. The Starbucks packets are in a completely different class. I carry a few when I travel, and although it’s still not as good as a real cup of decent coffee, ...