Search found 1092 matches

by climber2020
Thu Dec 06, 2018 6:39 am
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2200

Re: Recommend dish drainer (rack)

https://www.amazon.com/simplehuman-Kitchen-Fingerprint-Proof-Stainless-Plastic/dp/B005Q3VXDY 5 years and going strong. The innards are rusting a little at year 5, but it is great/no impact on function. I owned this one briefly until it started rusting at around the 6 month mark. The rust appearance...
by climber2020
Sun Nov 25, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5542

Re: Is good, quality luggage worth the price?

For me, really high end luggage is not worth it. I use name-brand stuff considered mid-range (around $100 for a backpack for example) that is still built well and more comfortable on the shoulders than the cheap bags, but I don't need anything more than that. Carrying around a $250 bag will only mak...
by climber2020
Thu Nov 22, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 199
Views: 13890

Re: Physician Credentials: Offshore vs. American Medical Schools

How about office decor? Would you use that as a screener? Beware the fancy big office in a prime location with the nice high end furniture. The owner of the practice has to pay for all that stuff, and there's incentive there to make more money when overhead is high. I've seen many cases of unnecess...
by climber2020
Thu Nov 22, 2018 9:00 am
Forum: Investing - Theory, News & General
Topic: New to taxable investments
Replies: 21
Views: 2026

Re: New to taxable investments

That's too much work. I've not yet had any issues with Vanguard keeping track of my cost basis. Same reason why I don't ever balance my checkbook - in theory the bank can make a mistake, but in 20+ years of banking I haven't seen a single error. If it happens one time over the course of my life, the...
by climber2020
Wed Nov 21, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 199
Views: 13890

Re: Physician Credentials: Offshore vs. American Medical Schools

I don't see a mention of the importance of having your specialty boards in the above discussion. Putting aside the "patient-friendly" description which is very important but which could be in the eyes of the beholdeth, the qualities I would look for are in this order of importance: 1. Having Specia...
by climber2020
Wed Nov 21, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 199
Views: 13890

Re: Physician Credentials: Offshore vs. American Medical Schools

The most important thing to look for is where they did their residency. Medical school is a series of hoops to jump through, and you don't learn much about actual doctoring during that time. Having said that, a person from the US who goes to a foreign medical school generally does so because his gra...
by climber2020
Mon Nov 19, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: How This All Happened (to the US economy)
Replies: 44
Views: 7391

Re: How This All Happened (to the US economy)

Good read. Thanks for sharing.
by climber2020
Mon Nov 19, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6184

Re: Point and shoot camera

There's a semi-popular Hong Kong based photography gear review site called Digital Rev that occasionally poses that basic scenario: They invite well-known photographers to do a "cheap camera challenge." They often impress poor quality gear, but the limits of that gear can at times be very obvious. ...
by climber2020
Sat Nov 17, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: My experience with iPhone6s battery replacement
Replies: 34
Views: 3055

Re: My experience with iPhone6s battery replacement

Then I said it has been bent a little since it was two weeks old. It is a poor design. In the future, if you notice a hardware problem, take the phone back and Apple will give you a new one if it's within the one year warranty period. I've taken in 3 different iPhone models over the past few years ...
by climber2020
Sat Nov 17, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: My experience with iPhone6s battery replacement
Replies: 34
Views: 3055

Re: My experience with iPhone6s battery replacement

I live nowhere near an Apple store, so I mailed mine in to Apple. I had a 6S that was part of a batch that had battery defects (though mine never had any problems), so the replacement was free. Excellent experience, and I got the phone back in 5 days. If you qualify for the free program (you can che...
by climber2020
Fri Nov 09, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6184

Re: Point and shoot camera

My old Nikon CoolPix just died, aged about 15 years. I need a new camera - yes, I know my phone takes pictures and it's gotten me some surprisingly good ones, but I want a camera. I am no photographer so a point and shoot will do just fine. Did a scan of the offerings on eBay and Amazon and don't u...
by climber2020
Fri Nov 09, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: App or Online Document Storage
Replies: 7
Views: 528

Re: App or Online Document Storage

Is scanning and shredding an option? I went paperless several years ago and it's been great. If I need hard copy of anything, which hasn't yet come up, I can print stuff as needed. The few documents I still have (birth certificate, car title, etc) all fit in one of those small fire resistant boxes....
by climber2020
Fri Nov 09, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6184

Re: Point and shoot camera

My old Nikon CoolPix just died, aged about 15 years. I need a new camera - yes, I know my phone takes pictures and it's gotten me some surprisingly good ones, but I want a camera. I am no photographer so a point and shoot will do just fine. Did a scan of the offerings on eBay and Amazon and don't u...
by climber2020
Wed Nov 07, 2018 8:59 pm
Forum: Personal Consumer Issues
Topic: Filing cabinet recommendations
Replies: 10
Views: 761

Re: Filing cabinet recommendations

Is scanning and shredding an option? I went paperless several years ago and it's been great. If I need hard copy of anything, which hasn't yet come up, I can print stuff as needed.

The few documents I still have (birth certificate, car title, etc) all fit in one of those small fire resistant boxes.
by climber2020
Wed Nov 07, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Ophthalmologist - Cornea Specialty... Best type of practice??
Replies: 8
Views: 1049

Re: Ophthalmologist - Cornea Specialty... Best type of practice??

Can I assume a private practice would be the best place to end, financially? Are people typically hired by such a group or do you buy in as a partner? Which is most common? The income ceiling is generally higher in private practice, but I know several academic physicians who have done very well. Th...
by climber2020
Tue Nov 06, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Ophthalmologist - Cornea Specialty... Best type of practice??
Replies: 8
Views: 1049

Re: Ophthalmologist - Cornea Specialty... Best type of practice??

Just curious: what are "train wreck" patients? Example: 80 year old patient who just moved to the area from the opposite end of the country who is completely blind in one eye from getting shot with a BB gun as a child, the other eye has uncontrolled glaucoma, religiously using 4 different eye drops...
by climber2020
Tue Nov 06, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Ophthalmologist - Cornea Specialty... Best type of practice??
Replies: 8
Views: 1049

Re: Ophthalmologist - Cornea Specialty... Best type of practice??

Ophthalmologist here. I'm about 10 years out of training. Choose the sub-specialty you enjoy the most, if you even decide to do a fellowship at all. I'm a comprehensive ophthalmologist and knew from day one of residency that I would be done after my 3 years. The reasons for my choice: 1) I enjoyed c...
by climber2020
Sun Oct 28, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 82
Views: 9383

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

Any consensus on whether or not 401k contributions can trigger a wash sale? From reading prior threads it seems the tax laws only specify IRAs, and the policy regarding 401k’s was ambiguous.
by climber2020
Sun Oct 28, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming frugal
Replies: 81
Views: 10987

Re: Becoming frugal

I was wondering, what ways have you practised frugality in order to save nice amount of money? No kids (don't want em) Small house Non-fancy utilitarian car (don't care about cars) No boats or other large, expensive, cumbersome money pits with recurring expenses With all the above large decisions m...
by climber2020
Thu Oct 11, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 41
Views: 2591

Re: What would you do with some bulk silver?

I sold some gold and silver recently to Midwest Refineries. Heard about them here on bogleheads and had a good experience.
by climber2020
Wed Oct 10, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Hiking NH White Mountains. Taking one lens.
Replies: 25
Views: 1102

Re: Hiking NH White Mountains. Taking one lens.

Assuming you're primarily talking scenery, and daylight: I used to bring all sorts of camera gear. Now I bring a phone. It works shockingly well as long as I'm not trying to get long distance wildlife shots. Bring your recent Pixel / iPhone / Galaxy S and save the weight / hassle. I'm in agreement ...
by climber2020
Mon Oct 08, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: Death Valley Trip Recommendations?
Replies: 19
Views: 1279

Re: Death Valley Trip Recommendations?

Any BH recommendations for places to stay and go see/hike? I was there in May and stayed at Stovepipe Wells. Here's a review that I wrote up with some pictures. They give you 4 free bottles of water each day per room, so no need to show up with a trunk full of water jugs. Moon Handbooks makes a goo...
by climber2020
Mon Sep 24, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Digitalizing Old Photos Help
Replies: 22
Views: 1662

Re: Digitalizing Old Photos Help

If you want to do it yourself, you can get a good enough scanner for less than $200. I have an Epson V500 which is now discontinued and was replaced a few years ago by the Epson V600. Prints are easier and faster to scan than negatives. Epson's included software works fine for most people, so no nee...
by climber2020
Fri Sep 21, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: Simple-minded sayings?
Replies: 37
Views: 3148

Re: Simple-minded sayings?

They're simple sayings, but many still seem to have difficulty following them. Look at all the "why international?" posts that come up several times a week. During a future period of time when international is doing really well and US stocks are mediocre, I bet these posts will disappear and be repl...
by climber2020
Thu Sep 20, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Need iPhone case recommendations
Replies: 19
Views: 1160

Re: Need iPhone case recommendations

Whenever the new batch of iPhones comes out each year, thewirecutter.com reviews cases and makes a recommendation. I’ve been happy with their advice for my last 3 phones.
by climber2020
Wed Sep 19, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Traveling overseas .. credit cards? cash exchange?
Replies: 43
Views: 2875

Re: Traveling overseas .. credit cards? cash exchange?

Am I missing other options? I do not have time to get a new credit card with no international fees before my trip. It depends where you’re going. In parts of Southeast Asia, I was surprised to find that many hotels will exchange US dollars for local currency at good rates and with no fees. It’s too...
by climber2020
Mon Sep 17, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Overnight near Atlanta?
Replies: 30
Views: 1662

Re: Overnight near Atlanta?

We're planning a trip next year, driving from the Chicago suburbs to south Florida, and it looks like somewhere around Atlanta would be good place to stop the first day (we want the second day to be shorter). Can anyone recommend a good area? Definitely does not need to be in the city, as we'll onl...
by climber2020
Sat Sep 15, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 71
Views: 5622

Re: [Wearing] Shorts in Egypt

I was in Egypt for a month in both the north and south and I don't think you will have issues either way. Unrelated question: how much time do you feel is sufficient to spend at the Giza pyramids? We’re arriving in Cairo a full day early before our group tour begins and I’m wondering if we should m...
by climber2020
Sat Sep 15, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Should I get a new iPhone?
Replies: 43
Views: 3765

Re: Should I get a new iPhone?

I'm already hanging on by my fingernails in regards to battery life (yes, I have recently upgraded my battery at the Apple Store). I for one will not be upgrading to iOS 12 until I read some geeky blogs about it first. I've been running iOS 12 for several weeks on my iPhone 6S (I'm a beta tester). ...
by climber2020
Sat Sep 15, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 71
Views: 5622

Re: [Wearing] Shorts in Egypt

I have no problem with shorts, but I hate sandals. Can we pick on sandals now please? This is one clothing article I've already decided on. The only shoes I'm taking are the pair of Chacos on my feet. There are 2 considerations here: ugly and impractical. Ugly is tolerated when is practical. And vi...
by climber2020
Sat Sep 15, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 71
Views: 5622

Re: [Wearing] Shorts in Egypt

I have no problem with shorts, but I hate sandals. Can we pick on sandals now please? This is one clothing article I've already decided on. The only shoes I'm taking are the pair of Chacos on my feet. Though I don't mind looking like a tourist when traveling, since I AM a tourist. Probably with a c...
by climber2020
Fri Sep 14, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 71
Views: 5622

Re: Shorts in Egypt

https://www.tripadvisor.com/Travel-g294201-c74912/Cairo:Egypt:What.To.Wear.When.Visiting.Egypt.html Excerpt: For men it is not really an issue -- normal trousers and shirt or T-shirt are fine -- but in Cairo it would not be acceptable to wear short shorts or a tank tops/sleeveless tops. In the reso...
by climber2020
Fri Sep 14, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 71
Views: 5622

Re: Shorts in Egypt

Thanks for the tips so far. I highly recommend against it. And not just culturally: in addition to being hot, the sun will be strong. Look into lightweight, quick dry, high spf pants, instead. I get mine at Costco for a fraction of the price of the well known sorting brands like Columbia. They can o...
by climber2020
Fri Sep 14, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Benefits/longevity of more expensive ($300+) mens dress shoes?
Replies: 75
Views: 8825

Re: Benefits/longevity of more expensive ($300+) mens dress shoes?

I stick to Rockports in the $80 to $100 range. They're comfortable, look good, and last me about 3-4 years before I replace them. One experience that I had several years back that made me hesitant to buy really expensive shoes: I was on my lunch break and stepped in a big pile of dog crap. If it was...
by climber2020
Fri Sep 14, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 71
Views: 5622

[Wearing] Shorts in Egypt

For anyone who has visited: is it okay to wear shorts as a man in Egypt? I've googled this and found a variety of opinions ranging from "yes; shorts are okay for tourists doing touristy things" to "no; shorts will make all the locals stare at you and think you're a clown". I'm going on vacation ther...
by climber2020
Fri Sep 14, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: FaceID w driving? ... upgrading from 5S
Replies: 18
Views: 894

Re: FaceID w driving? ... upgrading from 5S

One option is to just turn it off.

I have a 6S and never use touch ID or even a passcode unless I'm traveling somewhere questionable.
by climber2020
Fri Sep 14, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Can only take (1) DSLR lens..which one?
Replies: 27
Views: 789

Re: Can only take (1) DSLR lens..which one?

I'd take the zoom, but that's only because I find a 50mm too restrictive for my needs. I just don't see well at that focal length or long focal lengths in general. On most of my travels, I only take a single camera with a fixed semi-wide prime lens. Lately it's been the Ricoh GR with a 28mm prime. L...
by climber2020
Wed Sep 05, 2018 8:14 am
Forum: Investing - Theory, News & General
Topic: What to look for when investing?
Replies: 12
Views: 1016

Re: What to look for when investing?

I understand the basics to investing, but when looking at the financials, ie. I/S, B/S, CFS, ratios, what should I be looking at to understand if the stock is going to perform well in the future? 1. Very few here are going to endorse stock picking 2. If someone actually knew how to predict stocks a...
by climber2020
Wed Sep 05, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Gentlemen: underwear shopping question
Replies: 35
Views: 4122

Re: Gentlemen: underwear shopping question

Ex-officio here too, but of the 4 pairs I had for international travel and overnight trips on boats only 1 of them still has any elastic in the waistband. Granted, I have had them for years, but the waistband wearing out is a "thing". I will likely buy more for the next adventure travel type trip I...
by climber2020
Tue Sep 04, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Blogs,resources, or tips for busy professional parents?
Replies: 12
Views: 875

Re: Blogs,resources, or tips for busy professional parents?

This guy has 6 kids: https://zenhabits.net/25-ways-to-simpl ... with-kids/

He's got a number of articles on the subject of children that you can find using the search box.
by climber2020
Tue Sep 04, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 9906

Re: How to "waste" money on groceries?

Recently there was a thread on how to save money on groceries where someone mentioned they would like to see a thread on how to waste money on groceries. One way to easily waste money on food: using coupons. I have a good friend who is an avid coupon clipper who has an elaborate organization method...
by climber2020
Mon Sep 03, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: The future of my journals and logs
Replies: 45
Views: 4306

Re: The future of my journals and logs

I scanned all my old journals from early childhood and shredded the originals. These journals didn't contain any profound insights, so even if I would have lost them in a house fire, it wouldn't have mattered. The journals I wrote from around age 16 going forward - those I scanned to my computer as ...
by climber2020
Sun Sep 02, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Gentlemen: underwear shopping question
Replies: 35
Views: 4122

Re: Gentlemen: underwear shopping question

The Ex Officio give n go is my favorite travel underwear of choice. I wear the regular boxers, but I assume their briefs are also very nice. They're made well, but a common complaint is that after many wears the waistband gives out, rendering the underwear useless. This happened to my first pair, bu...
by climber2020
Thu Aug 30, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8647

Re: Mega Downsize....

5. throw away all your dishes, cups, silverware. You can go to Ikea and replace everything for cheap and have matching stuff again I’m gonna disagree with this one. The goal is to discard excess stuff that isn’t used; not to get rid of stuff in order to replace it with other stuff. I’ve had the sam...
by climber2020
Tue Aug 28, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8647

Re: Mega Downsize....

More interested in how'd you find the time to accomplish this feat? Hire someone to help? It's a slow, gradual process that took several years (and is still ongoing to a lesser degree). I not only downsized my stuff, but also downsized my time commitments by figuring out what activities were worthy...
by climber2020
Wed Aug 22, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10679

Re: I own 1,387 items!

I don't think I would have had the motivation to actually count the items I had if I weren't moving into a new place and unpacking. Because of this context, as I mentioned in the original post, the counting was a natural part of the process. I had already started a partial spreadsheet to track the ...
by climber2020
Mon Aug 20, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12565

Re: Excessive Emergency Room Charges - Options?

fm3040 wrote:
Mon Aug 20, 2018 12:31 pm
3) Any other options?
You can pay your bill.

This might be useful information for next time: viewtopic.php?t=238610
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: 1710

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: 1247
Views: 107058

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...