Search found 1152 matches

by climber2020
Fri May 17, 2019 9:16 am
Forum: Investing - Theory, News & General
Topic: Does stock allocation truly matter?
Replies: 58
Views: 4814

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: 3913

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, ...
by climber2020
Wed May 01, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: [How to evaluate getting rid of items?]
Replies: 9
Views: 765

Re: [How to evaluate getting rid of items?]

Old letters and greeting cards got scanned, saved to computer, backed up, then the originals tossed. Same with old photo prints, though I still have a small binder containing some negatives. Sentimental items that sat around in a box in the closet got photographed to retain the memory, then either t...
by climber2020
Wed Apr 24, 2019 11:44 am
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 14817

Re: Dump international?

I would love to hear from all the "should I invest in US stocks at an all time high" people and see if they're piling all their extra cash into international since it has been underperforming for many years.
by climber2020
Fri Apr 19, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Buying a bed
Replies: 42
Views: 3010

Re: Buying a bed

Bed comfort is a very personal thing. I need to replace old spring beds. Any preference for spring vs memory foam or hybrid? Does memory foam maintain its shape over the years? Any comments about “cool” memory foam mattress from Tempurpedic.. Back in 2010 I splurged on a Tempurpedic. It was great f...
by climber2020
Mon Apr 15, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: Is Brooks Brothers Shirts are in sale ?
Replies: 17
Views: 1671

Re: Is Brooks Brothers Shirts are in sale ?

You may want to start with one shirt first and see how it goes. Brooks Brothers shirts today are not the same as what they were in the past. I received two of them as gifts a few years ago, and both fell apart after only a year of regular wear. My $20 Van Heusen shirts on the other hand are still go...
by climber2020
Sat Apr 06, 2019 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Term Life Insurance?
Replies: 56
Views: 3272

Re: How Much Term Life Insurance?

How much of your net worth is your house?
by climber2020
Mon Apr 01, 2019 8:04 am
Forum: Personal Consumer Issues
Topic: Travel tips/guide for Athens Greece and Santorini?
Replies: 6
Views: 469

Re: Travel tips/guide for Athens Greece and Santorini?

Spend as little time in Athens as you can. It's dirty, and other than the Acropolis, there isn't as much to see compared to the islands.

ATMs worked fine. No need to get cash beforehand. Almost every place we went to took credit cards, and this was 9 years ago so I'm sure it's even better now.
by climber2020
Mon Apr 01, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: High School Senior Pictures
Replies: 91
Views: 4790

Re: High School Senior Pictures

Millennials are soooooo into photos of themselves, this is for certain. A high school senior now is generation Z. There are also plenty of old people who love taking selfies while occasionally falling into the Grand Canyon. I've read about three selfie falls and all of the individuals were young. T...
by climber2020
Sun Mar 31, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: High School Senior Pictures
Replies: 91
Views: 4790

Re: High School Senior Pictures

Rus In Urbe wrote:
Tue Mar 26, 2019 11:07 am
Millennials are soooooo into photos of themselves, this is for certain.
A high school senior now is generation Z. There are also plenty of old people who love taking selfies while occasionally falling into the Grand Canyon.
by climber2020
Wed Mar 27, 2019 6:06 pm
Forum: Personal Investments
Topic: How much should I pay for a financial advisor?
Replies: 27
Views: 1721

Re: How much should I pay for a financial advisor?

If you insist on using one, find one who charges a flat fee. Minimizes the conflict of interest and you’re less likely to get jacked.
by climber2020
Wed Mar 27, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: Bogleheads, do you have (unwise financially) friends? And how do you deal with them?
Replies: 76
Views: 3915

Re: Bogleheads, do you have (unwise financially) friends? And how do you deal with them?

Almost everyone I know is like this. Some of my really close friends have asked me about how I manage my finances, and I tell them and recommend a book or two. I don't think any of them changed anything, and I don't bring up the subject again. And that's fine. We need people like that to keep the ec...
by climber2020
Thu Mar 21, 2019 6:34 pm
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 11722

Re: The $4,026,858.95 Car or a Worry-Free Retirement?

Show of hands - of all the people obsessed with car safety features as an excuse to buy a shiny new car every 3 years, how many of you do any of the following while in the car: use a cell phone, talk to others over bluetooth, punch in an address into a GPS device or smartphone, jack the stereo up to...
by climber2020
Thu Mar 21, 2019 6:29 am
Forum: Personal Consumer Issues
Topic: Travel Insurance
Replies: 14
Views: 936

Re: Travel Insurance

If it were me, I would not buy. You can go one of two ways: 1) Buy travel insurance for every vacation (minus short road trips and such) so that when the unfortunate does happen that one time, you're covered. 2) Don't buy travel insurance, and the one time the unfortunate happens, you eat the cost. ...
by climber2020
Tue Mar 19, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: Men's travel shoes. One pair for hiking/biking/walking/dining
Replies: 56
Views: 3850

Re: Men's travel shoes. One pair for hiking/biking/walking/dining

My go-to travel shoes when any legit hiking is involved are my Brooks Cascadias. They’re typical trail running shoes. Good for casual walking around and I’ve also scrambled up some 14,000 ft mountains in them. They won’t work for upscale dining, but I don’t ever do that when I’m on vacation. If I di...
by climber2020
Tue Mar 19, 2019 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1.5 million house?
Replies: 125
Views: 8677

Re: Can I afford a $1.5 million house?

You have 2 very experienced accountants. What specific advice are you seeking here that they can't better address?
by climber2020
Sun Mar 17, 2019 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with debts and upcoming events, what are my options?
Replies: 51
Views: 4240

Re: Struggling with debts and upcoming events, what are my options?

dira79 wrote:
Sat Mar 16, 2019 8:36 pm
we have so many CC debts due to a lot of unforeseen repairs for our house that happened right after buying it.
Could you please describe this in more detail? I think this will give everyone else a better perspective of the overall situation.
by climber2020
Sun Mar 17, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Am I being cheap? Wife wants a minivan, but I want to hold off
Replies: 170
Views: 7744

Re: Am I being cheap? Wife wants a minivan, but I want to hold off

You can afford it easily, but if I were in your shoes I wouldn't want to buy the car either. To me, doesn't seem like any real reason to get the minivan other than "wife wants". Our income and net worth numbers are pretty similar (we had a late start so net worth is a bit less) and have two younger...
by climber2020
Sun Mar 17, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: Am I being cheap? Wife wants a minivan, but I want to hold off
Replies: 170
Views: 7744

Re: Am I being cheap? Wife wants a minivan, but I want to hold off

You can afford it easily, but if I were in your shoes I wouldn't want to buy the car either. I'd rather invest that money, let it compound, and get an extra year of not working in my prime. That time is way more valuable to me than buying a car I don't technically need to replace one that is perfect...
by climber2020
Wed Mar 13, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: Vacation Home: Own vs. Rent??
Replies: 42
Views: 3484

Re: Vacation Home: Own vs. Rent??

Different for everyone, but the people I know who own them talk like it's a chore to spend time at the vacation house. They've already sunk all that money into it so they feel obligated to go, even if they'd really prefer to do something else with their limited time off.
by climber2020
Tue Mar 12, 2019 9:39 pm
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 5536

Re: Peanut Butter recommendations

I like Peter Pan; either creamy or crunchy. The regular stuff with all the sugar in it.

I tried several of the sugar-free peanuts-only peanut butters, and for me the texture and taste aren't as good. If I want the pure experience, I'd rather just eat several handfuls of roasted peanuts.
by climber2020
Mon Mar 11, 2019 3:08 pm
Forum: Investing - Theory, News & General
Topic: Year's worth of earnings in two months?
Replies: 69
Views: 6829

Re: Year's worth of earnings in two months?

I am currently all cash and will stay that way until I feel the market has adjusted by at least 20%. That may or may not happen but in the meantime I can live very comfortably on my meager mm interest rate and SS. The market did drop 20% not that long ago. On December 24, it was almost exactly 20% ...
by climber2020
Sat Mar 09, 2019 7:53 pm
Forum: Personal Consumer Issues
Topic: Garbage Disposal: So many choices out there. How do you decide which one?
Replies: 54
Views: 3492

Re: Garbage Disposal: So many choices out there. How do you decide which one?

Here’s a contrarian opinion: do you need a garbage disposal? Most countries outside the United States don’t use them. The garbage disposal that came with our house when we bought it a few years back started leaking several months ago, so I removed it, decided to leave the sink disposal free, and re-...
by climber2020
Wed Mar 06, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: Objective news source?
Replies: 69
Views: 1590

Re: Objective news source?

How about NPR? That's my usual go-to news source.
by climber2020
Sun Mar 03, 2019 9:02 pm
Forum: Personal Investments
Topic: When does the power of compounding interest really kick in?
Replies: 53
Views: 6217

Re: When does the power of compounding interest really kick in?

Was there a certain point that you noticed your investments really start to gain traction, from what you remember? I realize this may be difficult to answer as we have up and down years. Just curious. For me, it was when a routine 1% daily swing in the markets would equal or exceed my paycheck.
by climber2020
Sat Mar 02, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: Men & Women: What do you pack for travel inside 1 carry-on luggage only??
Replies: 169
Views: 10555

Re: What do you pack for international vacation travel??

I understand the camera, but what does a laptop have to do with photography? I usually travel with a full frame Sony RX1 and have never felt the need for a computer. I shoot RAW, take plenty of high quality SD cards so there's zero risk of running out of storage, and transfer everything to my compu...
by climber2020
Sat Mar 02, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Men & Women: What do you pack for travel inside 1 carry-on luggage only??
Replies: 169
Views: 10555

Re: What do you pack for international vacation travel??

The MacBook Air and camera together really add to the weight of everything. But, as a photographer, I don't know what the alternative would be without sacrificing image quality (already a move down from "full frame" that may compromise my portfolio submissions). I understand the camera, but what do...
by climber2020
Sat Mar 02, 2019 9:36 am
Forum: Personal Consumer Issues
Topic: Men & Women: What do you pack for travel inside 1 carry-on luggage only??
Replies: 169
Views: 10555

Re: What do you pack for international vacation travel??

Question for those who have responded so far: if you're not traveling for business, what is the purpose of carrying around a laptop? It's big, heavy (even the lightest laptop weighs about a pound and a half not including the charger), a target for thieves, and it's another electronic gadget that req...
by climber2020
Fri Mar 01, 2019 7:05 pm
Forum: Personal Consumer Issues
Topic: Men & Women: What do you pack for travel inside 1 carry-on luggage only??
Replies: 169
Views: 10555

Re: What do you pack for international vacation travel??

Here's my pack list. Everything fits into a small backpack which is usually filled to about half to 1/3 capacity. The length of the trip is irrelevant. I don't buy souvenirs anymore, so no extra empty bags needed either.
by climber2020
Mon Feb 25, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: permanent markers
Replies: 6
Views: 585

Re: permanent markers

If you want something fade resistant, you could use a pencil.
by climber2020
Mon Feb 11, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Travel to Cuba
Replies: 42
Views: 3218

Re: Travel to Cuba

Cuba's one of the only places I've ever been where US credit cards are not accepted, so you'll have to take all the cash you think you're going to need and exchange it there for a 13% fee. Our hotel had a convenient cash exchange service that was 24 hours a day, so I exchanged small amounts at a tim...
by climber2020
Wed Jan 30, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: Gift giving: gift receipts / returns
Replies: 25
Views: 1306

Re: Gift giving: gift receipts / returns

To answer your general question: I don't believe in gift receipts. When I receive them I feel like people are saying "I made a half-hearted effort and know you might not like it so here's a receipt to return it" and when I give them I feel like I am admitting I hadn't a clue what to give. If you ar...
by climber2020
Mon Jan 28, 2019 7:09 am
Forum: Personal Investments
Topic: High Earners Mostly Use Taxable Accounts?
Replies: 167
Views: 13641

Re: High Earners Mostly Use Taxable Accounts?

Sorry, my wife and I make around 350k to 450k a year (depending on bonuses). I am 42 and she is 37. We are hoping to reach around 2.5M to be financially ready to retire (or just be independent). We are trying to save around 3k a month and have around 750k in our portfolio right now. Thanks! If you'...
by climber2020
Sat Jan 26, 2019 9:45 pm
Forum: Personal Consumer Issues
Topic: How long does lunch meat last?
Replies: 44
Views: 3715

Re: How long does lunch meat last?

I buy the ham in the meat section that comes in the shape & size of a small head of cabbage. Sliced up and stored in the freezer in individual servings, it’ll last for months. I thaw out a serving in the fridge the night before I plan on packing a sandwich.
by climber2020
Sat Jan 26, 2019 9:30 am
Forum: Personal Investments
Topic: 38, starting out, and overwhelmed
Replies: 15
Views: 1343

Re: 38, starting out, and overwhelmed

Others will likely give you more input on the investing details, but it seems that your problem right now is how much you’re saving, which is very little. All the investing tips won’t make nearly as much of a difference as figuring out a way to save a much more substantial percentage of your income.
by climber2020
Wed Jan 23, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 13401

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

I recommend you take a look at r/onebag on reddit. There are a lot of really good gear reviews; pants included. Please, please, please, whatever you do, do not dork out and wear convertible pants. As others have mentioned Prana makes a really good product. I'll throw a plug in for RailRiders Teton ...
by climber2020
Mon Jan 21, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 13401

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

Is it ok to ask for suggestions of women’s Travel pants as well? Thanks! Many brands make both a men's and women's model. Best thing to do is go to an outdoor store like REI and try on everything they have. What may look great on you may look ridiculous on me due to differences in body shape. I've ...
by climber2020
Sun Jan 20, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 13401

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

Previously, nothing but Columbia long sleeve shirts, pants, and shorts. Now needs a redo. I used to wear a lot of Columbia clothes for travel, but their quality seems to have declined. The titanium Omni dry t shirts that I bought around 2010 and am still wearing now are so much better than the garb...
by climber2020
Sun Jan 20, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 13401

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

Patagonia makes some decent stuff. I bought the Patagonia Quandary pants for a hot weather trip a few months ago and they worked out fine. I still prefer regular jeans though. All the travel pants I’ve ever tried feel too floppy, like pajamas. Hate em. The ones with the zip off legs just look too go...
by climber2020
Fri Jan 18, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: How do you keep a calendar?
Replies: 63
Views: 3267

Re: How do you keep a calendar?

Wall calendar. I like to be able to get an immediate big picture of entire months at a time. I haven't yet found anything on my phone that can replicate that. I do use the calendar app on my phone for minor stuff like haircuts and reminders to send birthday gifts, but all the big stuff goes on the w...
by climber2020
Fri Jan 18, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card for International Travel
Replies: 51
Views: 3348

Re: Best Credit Card for International Travel

My primary card is a Capital One Quicksilver. The one problem with that card is that there is no way to place a travel notification on the card, so if you have an overseas purchase that gets flagged, you need internet access to check your email and unlock your card. This happened to me recently in E...
by climber2020
Wed Jan 16, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: Any admission pointers from pre- med/ med students?
Replies: 58
Views: 3314

Re: Any admission pointers from pre- med/ med students?

Oh- one other thing that really helped me a lot. Mock interviews. The college's counseling center can help with this. Back then I didn't naturally interview well, so doing lots of practice interviews helped me fake my way through it well enough to make a decent impression.
by climber2020
Wed Jan 16, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Any admission pointers from pre- med/ med students?
Replies: 58
Views: 3314

Re: Any admission pointers from pre- med/ med students?

Keep getting A's. Do well on the MCAT. Get good grades in the required science classes, but no need to major in Biology or Chemistry like every other pre-med student. You'll use almost none of it. I didn't particularly enjoy science, so I majored in music and everything worked out great. Where you d...
by climber2020
Wed Jan 16, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: Using carry-on for traveling locally?
Replies: 22
Views: 1721

Re: Using carry-on for traveling locally?

So I live about 45min from my girl and I will often spend 2 days or so there each week. I like to bring a variety of clothing incase we find ourselves going out to diner or out for a hike. I also have a DSLR with a pretty good size telephoto 100-400 lens I carry around along with a 24-70. I was thi...
by climber2020
Fri Jan 11, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: Banff/Lake Louise vacation-suggestions?
Replies: 16
Views: 964

Re: Banff/Lake Louise vacation-suggestions?

I thought Emerald Lake was more scenic and enjoyable than Lake Louise. Much less crowded too. They have lodging on site if you wanted to spend a night there. We rented a car and split our time between Banff and Jasper with a night at Emerald Lake sandwiched in between; some places were crowded, but ...
by climber2020
Wed Jan 09, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: Serovital- ????
Replies: 18
Views: 1026

Re: Serovital- ????

If anything like that legitimately worked, I guarantee you would not be able to buy it at Costco for whatever measly price they're selling it for.
by climber2020
Wed Jan 09, 2019 7:09 am
Forum: Personal Investments
Topic: Advice for a young boglehead?
Replies: 13
Views: 1558

Re: Advice for a young boglehead?

Hi guys, This is my first post here, looking to see if my plans seem reasonable. I am 23 years old, and recently read the Common Sense Guide to Investing, and the whole philosophy really resonated with me. As such, I realized that I should start saving now to best prepare myself for retirement. Sin...
by climber2020
Tue Jan 08, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: I bought a new iPad on sale...should I have?
Replies: 38
Views: 2682

Re: I bought a new iPad on sale...should I have?

I bought the original iPad way back in the day, then sold it and replaced it with an iPad Air a few years later. A couple of years ago, I sold that iPad and never replaced it. For me, it was a redundant gadget that I didn't have any use for. Anything I could do on my iPad, I could also do on my Macb...
by climber2020
Sun Jan 06, 2019 9:31 am
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2741

Re: Carryon for 7-day FL vacation?

To those that travel 7+ days with a carry on, do you buy your liquids upon arrival or when you run out? In a quart bag I can't carry more than a few days worth of liquids (mouthwash, shaving cream, sunscreen, toothpaste, etc.). I typically take what I need and rarely run out. One 3 ounce sunscreen ...