Search found 893 matches

by climber2020
Tue Dec 12, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Purchasing Airline Tickets
Replies: 27
Views: 1841

Re: Purchasing Airline Tickets

DW and I are traveling to London in early May. I have been searching for airline tickets using Kayak's flexible dates (+/- 3 days) including early in the week days . There has been no significant change in price. The sooner I know the travel dates the sooner I can book other things for the trip, ho...
by climber2020
Sun Dec 10, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 101
Views: 7957

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

1. Life is 20 percent doing smart things and 80 percent not doing dumb things. 2. The best lives, careers, families, retirements, etc. are planned. Good luck happens when opportunity meets preparation. 3. Whoever said that money is the root of all-evil was either a fool or a con artist. Lack of mon...
by climber2020
Sun Dec 10, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford? (First Home)
Replies: 27
Views: 2129

Re: How much house can I afford? (First Home)

My wife and I love the area we're in and we're going to be here at least six more years maybe more due to her medical school/residency situation. Rent. I've been through the entire medical training process. You have no idea where you'll be after medical school wraps up. It's not worth buying a hous...
by climber2020
Sat Dec 09, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 5631

Re: Does this happen to you? Educating friends about personal finance

jojay wrote:
Sat Dec 09, 2017 8:31 am
What do you do?
Do nothing. Worst case scenario they follow your advice, the market drops 40% the following week, and they blame you for everything (which is nonsense, but that's how it will go).
by climber2020
Thu Dec 07, 2017 11:54 pm
Forum: Personal Consumer Issues
Topic: Gift Giving Strategy for Married Couples
Replies: 20
Views: 1576

Re: Gift Giving Strategy for Married Couples

- Couple's massage
- Booze
- Weekend trip somewhere
by climber2020
Tue Dec 05, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 43
Views: 3204

Re: Best solution for digitizing documents?

I use the Turboscan app on my iPhone. It's good if you don't have mountains of documents to scan. Since most stuff now is digital, I find that there really aren't too many occasions where I need to scan a physical piece of paper. I don't keep receipts unless it's for something super expensive, and o...
by climber2020
Sun Dec 03, 2017 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: General advice for a new attending physician
Replies: 15
Views: 1537

Re: General advice for a new attending physician

In the small group, you are your own boss. I don't think it's like making partner at a law firm. There's no guarantee you can stay your own boss or even be your own boss in small medical practice. In medicine, unless you are purely cash pay, you are not completely your own boss. You work for the US...
by climber2020
Sat Dec 02, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you save during the year for your next backdoor.. ?
Replies: 10
Views: 827

Re: Where do you save during the year for your next backdoor.. ?

I set aside some cash gradually during the last few months of each year and initiate the backdoor Roth on January 2. I use a regular savings account.
by climber2020
Wed Nov 29, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 3931

Re: Luggage Update for Travel

Edit - For people who carry on their bags (and fly coach): Are you really able to stay strictly within airlines' weight limits for carry-ons? Easily. Light travel is an obsession of mine, and if I really keep things to a minimum, I can fit everything I need into a small pack and still have half the...
by climber2020
Wed Nov 29, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 3931

Re: Luggage Update for Travel

PPS: Oh yeah, and doing laundry on vacation? What's that all about? It's the only way you can travel super light. If you don't mind taking a big bag, then no need to worry about washing clothes. I've done both, and I much prefer traveling around with what is basically a daypack for most people. No ...
by climber2020
Wed Nov 29, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 3931

Re: Luggage Update for Travel

I fail to see what the big deal is about checking a bag. I've never had one lost in dozens of business trips, and in most cases,it only takes an extra 5 minutes or so to retrieve. One example: had we checked a bag for our honeymoon trip to Easter Island last year, we would have missed our connectin...
by climber2020
Wed Nov 29, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Car Rental
Replies: 22
Views: 1117

Re: Car Rental

Right. And you can automate that by using the site autoslash.com. You can also use it to search for initial pricing; it sometimes finds much better deals than other travel search engines. Trying this site for the first time right now. Why do they require an email address just to perform the search?...
by climber2020
Wed Nov 29, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Going from 100% U.S stocks to 30% international?
Replies: 36
Views: 3010

Re: Going from 100% U.S stocks to 30% international?

I was indecisive for a couple years about international but after reading more and more I feel safer having 30% of my stocks as international Is you decision due to the fact the International has been doing really well this year and you're chasing performance? On a related note, I've noticed that a...
by climber2020
Wed Nov 29, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Car Rental
Replies: 22
Views: 1117

Re: Car Rental

Check prices every week or so. Usually at some point, rental car prices will drop and you can update your reservation with the new price. Last year I had a rental car initially reserved for around 300 dollars (over 6 months in advance), and by the time I actually picked up the car, I had locked in t...
by climber2020
Tue Nov 28, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 3931

Re: Luggage Update for Travel

Edit - For people who carry on their bags (and fly coach): Are you really able to stay strictly within airlines' weight limits for carry-ons? Easily. Light travel is an obsession of mine, and if I really keep things to a minimum, I can fit everything I need into a small pack and still have half the...
by climber2020
Tue Nov 28, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 3931

Re: Luggage Update for Travel

I did a write up on this subject not long ago. If you want to see what I've got in my own bag, check it out. Good stuff. Got me re-thinking my strategy: laptop: I sometimes (60% of the time) bring it because I enjoy it. But I may not next time. 15" MacBook Pro. iPad: something I also enjoy using, p...
by climber2020
Tue Nov 28, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 3931

Re: Luggage Update for Travel

Why would I wash clothes during a weekend trip? In Hawaii with the washer/dryer, I don't have to wear anything except maybe a towel around my waist. But you know that non-cotton underwear dries really fast. If you wash clothes in sink, then you can squeeze out water, then place flat on a cotton tow...
by climber2020
Tue Nov 28, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 3931

Re: Luggage Update for Travel

Edit - For people who carry on their bags (and fly coach): Are you really able to stay strictly within airlines' weight limits for carry-ons? I went to Hawaii for a week once wearing my bathing suit, a T-shirt, sandals, sunglasses and carrying wallet, face mask, snorkel, and fins and that's it. The...
by climber2020
Tue Nov 28, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 3931

Re: Luggage Update for Travel

Edit - For people who carry on their bags (and fly coach): Are you really able to stay strictly within airlines' weight limits for carry-ons? Easily. Light travel is an obsession of mine, and if I really keep things to a minimum, I can fit everything I need into a small pack and still have half the...
by climber2020
Tue Nov 28, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 3931

Re: Luggage Update for Travel

I'm planning to up the amount of travel I do in the next couple of years and would appreciate suggestions for upgrading my worn- out luggage. I am thinking of getting a zippered tote as a carry on/under the seat in front of me. A smallish (not sure in inches) rolling bag that will fit in an overhea...
by climber2020
Tue Nov 28, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Financing a private medical practice
Replies: 9
Views: 1469

Re: Financing a private medical practice

This would be a good resource for you as well: https://solobuildingblogs.com/

Both guys who write the blog are very receptive to questions, so they may be of help.
by climber2020
Mon Nov 27, 2017 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 8587

Re: Can I afford a $1,400,000 house

What happens if the spouse's job doesn't work out and you have to move?
by climber2020
Sun Nov 26, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: overseas vacation questions
Replies: 22
Views: 1416

Re: overseas vacation questions

student wrote:
Sun Nov 26, 2017 9:36 pm
Do you have a schwab or fidelity account, or something similar, that let you get local currency with good exchange rate via free ATM withdrawal?
It's probably too late for that for this trip.
by climber2020
Sat Nov 25, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Should I keep the new iPad I bought or return it?
Replies: 51
Views: 3651

Re: Should I keep the new iPad I bought or return it?

I had an iPad up until about a year ago and ended up selling it. For me, it was a redundant device; it didn't offer anything that I couldn't already do with either my Macbook Air or phone.
by climber2020
Wed Nov 22, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Advice to become wealthy
Replies: 58
Views: 5289

Re: Advice to become wealthy

OldSport wrote:
Tue Nov 21, 2017 11:42 pm
I am looking for advice to become wealthy, not billionaire wealthy, but seriously wealthy, like as close to top 1% as possible.
Don't get married and don't have kids.
by climber2020
Wed Nov 15, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4757

Re: Fair way to split expenses?

All, In order to prevent future fights and difficulties with money, my wife and I have decided to have separate bank accounts and funnel money to a joint account that auto pays our bills. I would like to ask advice from those who have done anything remotely similar as to the best way to determine h...
by climber2020
Thu Nov 09, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Would other party's insurance cover car rental?
Replies: 6
Views: 508

Re: Would other party's insurance cover car rental?

I've been in several accidents - always the other driver's fault - and every time the other person's insurance company provided me with a rental car at no charge.
by climber2020
Wed Nov 08, 2017 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5522

Re: Eye Doctor $30 to get your Rx? Is this normal?

...Yes this is normal. Every single ophthalmologist that I'm aware of charges for refractions... I don't think you read the original post. The refraction had already been done. The $30 charge was assessed in the optical shop as the cost of giving her the prescription that the shop already had. That...
by climber2020
Tue Nov 07, 2017 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5522

Re: Eye Doctor $30 to get your Rx? Is this normal?

Could this cataract have gone from undetectable to blurring my vision within six months? Seems unlikely to me, especially since I just had a new Rx in the last year. I'm cancelling my VSP insurance and I'm going to get my eye exams and glasses at my HMO from now on. Cataracts can reach a stage wher...
by climber2020
Tue Nov 07, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5522

Re: Eye Doctor $30 to get your Rx? Is this normal?

I understand what you are saying, but here's what I don't understand. The appointment was for an eye exam to get glasses. We were told $20 copay on the phone. The work was then done. She was back in the lobby at checkout and she had the option to pay $20 for the copay or $50 for the copay and Rx. S...
by climber2020
Tue Nov 07, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5522

Re: Eye Doctor $30 to get your Rx? Is this normal?

Hello, My wife has been complaining about her vision for a while, decided to see an MD Ophthalmologist that participates in our HMO. We called and verified a $20 copay for the eye exam. She received her full eye exam, but our VSP vision plan, separate from the HMO, does not cover lenses and frames ...
by climber2020
Mon Nov 06, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 11430

Re: Got an iPhoneX

It's a software problem and can either be fixed by Apple if they wanted to, or can be bypassed by shooting RAW and processing the photos yourselves, but it was nice when everything was automatic without the need for third party apps. I didn’t realize shooting RAW was an option. Interested. Do you h...
by climber2020
Mon Nov 06, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 13219

Re: Why make more money?

Lets just assume that you are healthy and financially OK. You have have 30x expenses in investments plus whatever socials security will eventually give you in some distant future. You have no debt and the kids college is covered. You don't live extravagantly, but you have enough to travel, eat out,...
by climber2020
Mon Nov 06, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 11430

Re: Got an iPhoneX

A new phone only offer better performance and a camera. Performance is about perspective and Im used to the speed of the iphone 5. The camera is ok if I am in a pinch, but when I travel I bring my big camera. In some ways, the camera on the iPhone 5 is actually better than the newer ones. Starting ...
by climber2020
Sun Nov 05, 2017 8:17 pm
Forum: Investing - Theory, News & General
Topic: Investment Books & Your Library
Replies: 36
Views: 2650

Re: Investment Books & Your Library

I used to have several investing books, including all the usual ones recommended here, but over the years I've given nearly all of them away. Once I got everything set up, there wasn't really anything else left to do other than keep saving and investing according to the plan. Any future books I read...
by climber2020
Wed Nov 01, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: the One investment to rule them all?
Replies: 25
Views: 3333

Re: the One investment to rule them all?

Agree with above. Graduate level education in a degree that pays well.
by climber2020
Wed Nov 01, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Put cash into a home or stock market.
Replies: 30
Views: 3537

Re: Put cash into a home or stock market.

More important question: at age 29, do you really want a house and everything that comes along with it? Trying to take advantage of lower interest rates You didn't answer the question. Whether or not it's a good deal is irrelevant if buying this thing will limit your options as a young person.
by climber2020
Wed Nov 01, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Put cash into a home or stock market.
Replies: 30
Views: 3537

Re: Put cash into a home or stock market.

More important question: at age 29, do you really want a house and everything that comes along with it?
by climber2020
Mon Oct 30, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 3310

Re: European Tours

Packing/unpacking takes a lot of time How much stuff are you packing? A trip like this can easily be done with one carry-on roller bag. I've pared it down even further and take only a small backpack regardless of the length of the vacation. I'm curious to see exactly what people are taking with the...
by climber2020
Sun Oct 29, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 9228

Re: we bought a house - are we housepoor now?

I don't understand the purpose of this question. You already bought the house. Any advice you get now is too late, and it doesn't even sound like you're receptive to useful dissenting opinions anyway. All the extra cash you're saving will be gone once you have a kid. In my observations, people who l...
by climber2020
Sat Oct 28, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 3310

Re: European Tours

Trafalgar is a well respected tour company that does several European tours. They're more expensive than some other groups, but you get what you pay for. I've done lots of group travel as well as trips that I planned on my own, and there are benefits to each. Lately I've been leaning more toward gro...
by climber2020
Fri Oct 27, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas in Jan/Feb?
Replies: 25
Views: 2217

Re: Vacation ideas in Jan/Feb?

How about Key West? January is an excellent time to visit, as it's still warm, but not hot.

We were just there a few weeks ago. Minimal hurricane damage and everything is back up and running again, at least in the touristy areas.
by climber2020
Fri Oct 27, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Ordering iPhoneX
Replies: 19
Views: 1812

Re: Ordering iPhoneX

If you get a new phone every single year, you don't need applecare. Their standard warranty covers most stuff for the first year even without paying extra for applecare. For warranty coverage, yes. For damage coverage and phone support there is a difference with Applecare+. I'm aware, but I still t...
by climber2020
Wed Oct 25, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Discussion Forum?
Replies: 31
Views: 2559

Re: Social Security Discussion Forum?

plnelson wrote:
Wed Oct 25, 2017 12:45 pm
What do YOU call that form of authentication?
I just call it authentication. I'm not in tech and have never seen or heard of KBA until I read this.
by climber2020
Wed Oct 25, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Ordering iPhoneX
Replies: 19
Views: 1812

Re: Ordering iPhoneX

I am planning to order a new iPhoneX on Friday morning, as soon as they allow acceptance of the orders. They go on sale at midnight, so if you live on the east coast, set your alarm for 3 AM. I wouldn't be surprised if they were completely sold out by 3:10. What other nuances and tips might I be mi...
by climber2020
Mon Oct 23, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Heading to ER, surprise bills [update: home again]
Replies: 44
Views: 5630

Re: Urgent! Heading to ER, surprise bills

I hope you get the care you need quickly. It seems like you could ask if the provider is in network but if they said no would you leave? If you have an emergency then the care is necessary in or out of network. Best wishes! I feel okay (I've gone blind in one eye suddenly but am not in pain) so may...
by climber2020
Sun Oct 22, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Drum sets?
Replies: 10
Views: 671

Re: Drum sets?

I would suggest buying drums from a well known manufacturer. Even their budget model drums should be constructed properly. My first drum set was made by a no name company (Percussion Plus. Not sure if they're still even around), and within a few months every piece of hardware was broken and had to b...
by climber2020
Fri Oct 20, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: I have to fire someone that I care about personally
Replies: 83
Views: 5389

Re: I have to fire someone that I care about personally

Regarding the main issue: in-person would be best. I've been in several bands, and that's what I would want if I were being let go. Regarding the ancillary issue: appearance absolutely makes a difference in this line of work, and you cannot teach charisma or stage presence, at least not to a degree ...