Search found 843 matches

by climber2020
Wed Oct 18, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Is a doctor's practice one of the safest and most profitable businesses?
Replies: 58
Views: 2825

Re: Is a doctor's practice one of the safest and most profitable businesses?

Another point, which I can't speak to from personal experience, is that doctors, veterinarians, etc. can and do sell their practices. Indeed, the business model for a sole-proprietorship practice pretty much assumes that you can sell the practice at the end, otherwise it isn't a very good business ...
by climber2020
Wed Oct 18, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Is a doctor's practice one of the safest and most profitable businesses?
Replies: 58
Views: 2825

Re: Is a doctor's practice one of the safest and most profitable businesses?

Another point, which I can't speak to from personal experience, is that doctors, veterinarians, etc. can and do sell their practices. Indeed, the business model for a sole-proprietorship practice pretty much assumes that you can sell the practice at the end, otherwise it isn't a very good business ...
by climber2020
Wed Oct 18, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: urgent battery pack recommendation for mac book pro
Replies: 10
Views: 458

Re: urgent battery pack recommendation for mac book pro

You could replace the battery yourself with an Anker. It's not as good as a real Apple battery, but it's pretty good. If you're in a rush you can buy it on amazon and have it overnighted to you. Here's what I purchased for my trip overseas two months ago: https://www.amazon.com/gp/product/B01N3TVRP...
by climber2020
Wed Oct 18, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: bitcoin makes you rich
Replies: 49
Views: 2865

Re: anhybody buying bitcoin

anybody buying bitcoin I'm buying with a small amount when I hear one guy just made 6 million with the investment of $ 50 k ( true story ????) so what do you take on this The time to buy was 5 years ago. What you want to do is find the next big thing. Good luck with that if you intend to try.
by climber2020
Tue Oct 17, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: urgent battery pack recommendation for mac book pro
Replies: 10
Views: 458

Re: urgent battery pack recommendation for mac book pro

You could replace the battery yourself with an Anker. It's not as good as a real Apple battery, but it's pretty good. If you're in a rush you can buy it on amazon and have it overnighted to you.
by climber2020
Thu Oct 12, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: How young is too young to retire.
Replies: 49
Views: 5755

Re: How young is too young to retire.

CnC wrote:
Thu Oct 12, 2017 1:33 pm


My wife seems to think that even considering retirement before 50 is absurd regardless of how much money we have simply because the time frame is too long.

How bout going part time once you hit a comfortable number? That's my plan regardless of how old I am when I reach that threshold.
by climber2020
Wed Oct 11, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Pro and cons of the Prime offer by Amazon.......
Replies: 39
Views: 3643

Re: Pro and cons of the Prime offer by Amazon.......

I've had it for the last several years and found it to be worth the money. Not an awesome deal, but enough to justify the $99 per year fee. I watch the free movies on a regular basis, which are rotated every month or so. Also, I hate shopping and buy as much online as possible, so the 2 day shipping...
by climber2020
Mon Oct 09, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13636

Re: [Boglehead vs Mr Money Mustache philosophies]

wow, judgmental much? A lot of people don't get MMM and feel threatened. It's not for everyone. But, if you do, and you realize you don't have to be an economic serf your whole life, it's incredibly liberating. You misunderstand. I like MMM. I appreciate his life philosophy, and my own life philoso...
by climber2020
Mon Oct 09, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13636

Re: [Boglehead vs Mr Money Mustache philosophies]

BH people are more realistic, more matured, whereas the MMM followers are more unrealistic and childish. I agree. I like MMM himself, but many of his followers strike me as gullible simpletons who regurgitate MMM's buzzwords whenever a dissenting opinion is presented. His writing is absolutely comp...
by climber2020
Mon Oct 09, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Join ebates for extra cash back
Replies: 22
Views: 1569

Re: Join ebates for extra cash back

How does ebates make their money
by climber2020
Thu Oct 05, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3782

Re: How do you value your time?

I don't mind spending for convenience, but that's mainly because I underspent on the big things: house, car, & higher education expenses. With those large categories taking up a small fraction of my total income, paying 10 bucks for parking doesn't seem like a big deal.
by climber2020
Wed Oct 04, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Fender bender -- other driver at fault -- what to do?
Replies: 28
Views: 1638

Re: Fender bender -- other driver at fault -- what to do?

flossy21 wrote:
Wed Oct 04, 2017 12:26 pm
The driver of the other car then got in her car and left the scene.
Was the other driver charged with a hit & run?
by climber2020
Wed Oct 04, 2017 7:24 am
Forum: Investing - Help with Personal Investments
Topic: to good to be true? [Investing in Real Estate Company]
Replies: 27
Views: 2125

Re: to good to be true?

its good opportunity to let my emergency fund grow much faster then ally 1.2 percent interest rate. You want to put your emergency fund in an illiquid fund for a company that flips foreclosed houses? Do you really need strangers on the internet to tell you whether that's a good idea or not? I agree...
by climber2020
Tue Oct 03, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Do I have to choose between buying home in HCOL and FIRE or can I have both?
Replies: 35
Views: 2533

Re: Do I have to choose between buying home in HCOL and FIRE or can I have both?

I just started my first real job. Yearly income for the next 2.5 years will be around 300k. Afterwards, salary will increase to somewhere around 400-450k. Our current networth is around 150k. Only debt is aprox 35k (two car loans). No student loans anymore (yay!). We are currently renting (2600 a m...
by climber2020
Tue Oct 03, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: We're Debt Free (Except our House)!
Replies: 34
Views: 3130

Re: We're Debt Free (Except our House)!

Congrats on paying off the debt.

Do you enjoy your job enough to do it for a really long time? If not, you can bump the savings rate up and shave many years off your working life.
by climber2020
Mon Oct 02, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: On the video games path - how to set it up with younger kids
Replies: 36
Views: 2015

Re: On the video games path - how to set it up with younger kids

2. I read up a bit on Playstation vs Xbox (most terminology went over my head frankly), they seem to be pretty similar with mostly same games, and the exclusives seemed to matter more for grown-ups. I couldn’t find out whether one is considered better than the other for younger kids, do any of you ...
by climber2020
Sun Oct 01, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Photography gear and what you use it for?
Replies: 26
Views: 1583

Re: Photography gear and what you use it for?

1 First Real Camera of distinction. - Fuji X100 2 Camera gear now? - Sony RX1, Ricoh GR, and Nikon Coolpix A 3 Lenses? - none. Have never owned an interchangeable lens camera. 4 Favorite lens? - 35 mm prime on the RX1 5 Software? - Lightroom 7 What you use your gear for? - Travel & Landscape 8 Favor...
by climber2020
Sun Oct 01, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard charged me $140 in service fees
Replies: 31
Views: 5561

Re: Vanguard charged me $140 in service fees

Hey everyone. I wanted to post an update on this situation.

Vanguard sent an email recently stating that all the $20 service fees were reversed. I checked the account and it indeed took place.
by climber2020
Fri Sep 29, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: Boglehead Investing Simplicity Leading to Simplifying Life?
Replies: 21
Views: 2024

Re: Boglehead Investing Simplicity Leading to Simplifying Life?

One aspect of Bogleheads is simplifying our investment life and LBYM. Has anyone taken this a step further by simplifying your life? Have you explored minimalism and embraced it? For this to be actionable, what were your first steps to making this happen? https://nosidebar.com/living-small/ I came ...
by climber2020
Fri Sep 29, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Luggage locks
Replies: 15
Views: 1055

Re: Luggage locks

If you search amazon for "TSA luggage locks", I've used something very similar to that in the past. Currently, I do not use locks of any type because on 95% of my vacations I only travel with one small backpack. The only things worth stealing are my camera, passport, and phone which I have either on...
by climber2020
Fri Sep 29, 2017 8:36 am
Forum: Investing - Theory, News & General
Topic: 3 stages of Financial Independence
Replies: 63
Views: 7016

Re: 3 stages of Financial Independence

Along my journey I have begun to realize there are at least 3 distinct phases of financial independence. I was wondering if anyone else agrees with this perspective. I was going over our finances recently and came up with the same idea. We hit stage 1 earlier this year and are hoping to reach the n...
by climber2020
Thu Sep 28, 2017 12:52 pm
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 192
Views: 12813

Re: Why do you LBYM? Why do you save and invest?

KlangFool wrote:
Wed Sep 27, 2017 10:32 pm
What makes you different from others?
I think a characteristic that is common here but is not common in the general public is the ability to delay gratification and consider one's life in the distant future. I know many people who can't think past next Tuesday.
by climber2020
Mon Sep 25, 2017 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard charged me $140 in service fees
Replies: 31
Views: 5561

Re: Vanguard charged me $140 in service fees

student wrote:
Mon Sep 25, 2017 8:35 am
Did they refund the charges?
They refused. To be honest, it wasn't worth my time to spend much effort on this. I wondered if others had the same problems though. Apparently yes.
by climber2020
Mon Sep 25, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: High school scholarships
Replies: 9
Views: 912

Re: High school scholarships

https://www.amazon.com/Ultimate-Scholarship-Book-2018-Scholarships/dp/1617601225/ref=sr_1_1?ie=UTF8&qid=1506309058&sr=8-1&keywords=scholarship+book I used something similar to this back in the day when I was that age. Mailed out about a hundred applications and won 2 large scholarships that allowed...
by climber2020
Mon Sep 25, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard charged me $140 in service fees
Replies: 31
Views: 5561

Re: Vanguard charged me $140 in service fees

I logged into my Vanguard account for the first time in a long time and saw that they had deducted $20 from each account because the balance was less than $10k. This fee is assessed to people who don't have electronic delivery of documents. I signed up for electronic delivery. I have not received a...
by climber2020
Sun Sep 24, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: High school scholarships
Replies: 9
Views: 912

Re: High school scholarships

https://www.amazon.com/Ultimate-Scholarship-Book-2018-Scholarships/dp/1617601225/ref=sr_1_1?ie=UTF8&qid=1506309058&sr=8-1&keywords=scholarship+book I used something similar to this back in the day when I was that age. Mailed out about a hundred applications and won 2 large scholarships that allowed...
by climber2020
Sun Sep 24, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 6783

Re: Tipping question....Applebees

The main problem is that Americans still tip. Tipping is an antiquated and unnecessary step in the dining experience that adds zero value. It creates big disparities in pay between the front and back restaurant staff. It's because servers get paid 2 bucks an hour. In every other country in the worl...
by climber2020
Sun Sep 24, 2017 7:09 am
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 48
Views: 4471

Re: IOS 11: Anybody using it yet?

I have to say, I'm not a big fan of the wifi/bluetooth connection changes. Here's a link: https://www.cnet.com/how-to/how-to-really-turn-off-bluetooth-and-wi-fi-in-ios-11/ Frankly, when I want something turned off, I mean OFF. I don't want it to turn back on, I don't want it to disconnect, I mean o...
by climber2020
Sun Sep 24, 2017 6:18 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: 125
Views: 8342

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

Ask a nurse. If you're looking for a surgeon especially, the nurses who work in the operating room will know which surgeons have a cool head and which ones freak out and panic. If you have an internist you trust, I agree that that is also a reliable way to find good specialists. I've had to do that ...
by climber2020
Sat Sep 23, 2017 5:39 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6180

Re: What is your favorite reasonably priced bourbon?

Jim Beam Black or George Dickel white label. I think both are a good value for the dollar and taste fine without adding anything to it.
by climber2020
Fri Sep 22, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 4296

Re: Asking for no wedding gifts

I suggest printing "cash gifts preferred" on the wedding invite or e-mailing separately. :thumbsdown :thumbsdown :thumbsdown Gill One of the things I don't understand about American society. In many other cultures, cash is the default for weddings. You know: that really useful thing that the recipi...
by climber2020
Fri Sep 22, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 48
Views: 4471

Re: IOS 11: Anybody using it yet?

I used it for a few days then downgraded back to 10.3.3.

You can't turn wifi or Bluetooth off using control center anymore. And at 5 am it turns back on automatically even when turned off in Settings. I'm going to wait until this is changed in a future update.
by climber2020
Thu Sep 21, 2017 5:54 am
Forum: Investing - Theory, News & General
Topic: AA if you were just starting out again
Replies: 49
Views: 3691

Re: AA if you were just starting out again

Ari wrote:
Thu Sep 21, 2017 3:28 am


Today I've sold all my Vanguard funds and use local funds to keep complexity and tax costs low. I'm still 100% stock, and I wouldn't have it any other way.
What are local funds? I haven't heard about that before.
by climber2020
Wed Sep 20, 2017 6:53 pm
Forum: Forum Issues and Administration
Topic: Why so many 'negative' responses?
Replies: 20
Views: 1897

Re: Why so many 'negative' responses?

Anyone else notice this? Here's my favorite: Original post: "Can anyone recommend a good bourbon?" Reply: "I don't drink alcohol. [What I really mean is that I have absolutely nothing useful to contribute to this conversation, but I'm still going to judge you based on my own personal tremendously b...
by climber2020
Sun Sep 17, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: point and shoot digital cameras
Replies: 22
Views: 1587

Re: point and shoot digital cameras

Any advice on moderately priced point and shoot digital cameras? Here are some good ones that will fit in your front pants pocket: Sony RX100 - any of them. They come at different price points with slightly different options. The best value for the dollar is probably the m3 version. It's going to p...
by climber2020
Sat Sep 16, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Websites for last minute travel?
Replies: 5
Views: 1019

Re: Websites for last minute travel?

travelzoo.com has some decent deals for people without time constraints.

Trafalgar also has a link that will show last minute deals: https://www.trafalgar.com/usa/offers/lmds It's one of the better package group tour companies.
by climber2020
Fri Sep 15, 2017 6:15 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20107

Re: Iphone X is $1000

I've tried them and they just aren't good enough for me. To each his own. How did you survive 15 years ago when we were all carrying flip phones? I have survived for 15+ years with a flip phone and am only recently beginning to consider a smartphone because some companies require you to have a smar...
by climber2020
Fri Sep 15, 2017 6:12 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20107

Re: Iphone X is $1000

This is what ticks me off. Spend $700 on a new phone and then a few years later they make it obsolete with updates even though the hardware is still working fine. Don't update the software. At least for a few months. This is a very well known thing that Apple does, whether it's intentional or not, ...
by climber2020
Thu Sep 14, 2017 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Help with savings
Replies: 8
Views: 838

Re: Help with savings

What's the breakdown of your $6500 monthly bills?
by climber2020
Tue Sep 12, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20107

Re: Iphone X is $1000

I'm a big Apple fan, but nope. The annual iterations have become less and less meaningful each year.
by climber2020
Tue Sep 12, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18237

Re: Is it really Worth it to brown bag your lunch at work?

I brown bag my lunch consistently on certain days of the week. It's not to save money; I do it for health purposes. I'm skinny and want to stay that way as I approach my middle age years. I don't want to be one of those guys who turns 40 and gets a pot belly.
by climber2020
Mon Sep 11, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Feeling guilty for buying a new iPad pro
Replies: 30
Views: 2380

Re: Feeling guilty for buying a new iPad pro

Do you need it? Would you actually use it? I had an original iPad and the first iPad Air, both bought at huge discounts. While it's certainly a very cool device, after a while I realized that for my purposes and needs, an iPad was a redundant, minimally useful product. So I sold it. If I legitimatel...
by climber2020
Mon Sep 11, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: What do you do in slow travels?
Replies: 55
Views: 4286

Re: What do you do in slow travels?

Hiking. Most places other than large metropolitan areas (which I personally avoid) have at least a few hiking trails that can easily kill a few days. Activities can also be scheduled with more free time in between to allow for rest and interesting things that may unexpectedly pop up. Example: for ou...
by climber2020
Tue Sep 05, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Resource for those wanting to start your own medical practice
Replies: 1
Views: 244

Resource for those wanting to start your own medical practice

There are a lot of doctors on here, so I thought I'd tell everyone about this relatively new website: https://solobuildingblogs.com/ It's authored by 2 ophthalmologists who started their own practices from scratch and provides a detailed blueprint on how they went about the process. It's actually a ...
by climber2020
Tue Sep 05, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24151

Re: Name something you had to have and now you regret purchasing it?

Several video game systems and many, many dozens of games that I bought in my 20s in an unsuccessful attempt to recreate the joy I had playing video games as a 12 year old. I did eventually sell all of them and got some money back. Since then, I'm very careful about electronic gadgets that I buy.
by climber2020
Sat Aug 26, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: dresser for an adult?
Replies: 15
Views: 1354

Re: dresser for an adult?

I use 3 Sterilite modular plastic drawers stacked on top of one another to keep my clothes organized. They fit in the closet under my hanging shirts. Inexpensive, water proof, easily replaceable, low profile, easy to move since they weigh nothing, and durable - I've had mine for over 15 years. I thi...
by climber2020
Thu Aug 24, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Can dispute an expensive medical bill
Replies: 39
Views: 2872

Re: Can dispute an expensive medical bill

Oh dear lord. I am all for calling out other docs for inappropriate billing, but there is NOTHING wrong here. As long as you had the routine eye exam for x dollars that was discussed in advance nothing wrong was done. My guess is during the routine exam the doc. said something like, "Looks like som...
by climber2020
Thu Aug 24, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Can dispute an expensive medical bill
Replies: 39
Views: 2872

Re: Can dispute an expensive medical bill

FYI, ultrasound and photos are not part of a routine eye exam. They're done for very specific reasons due to abnormalities found on a routine clinical exam. If your ophthalmologist says otherwise, you need to find a new doctor.
by climber2020
Wed Aug 23, 2017 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Save on tight budget
Replies: 11
Views: 1061

Re: Save on tight budget

I agree with the previous advice: find some way to increase your income. There's only so much you can do with 24 grand a year.

Also, don't get anyone pregnant. :D