Search found 1161 matches

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: 1873

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: 7051

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: 17
Views: 1742

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: 2750

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: 27
Views: 3672

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: 12784

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: 4883

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: 2153

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: 5353

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: 3973

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: 781

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: 15143

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: 3104

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: 1696

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: 3307

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: 495

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: 4838

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: 4838

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: 1735

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: 3963

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: 11872

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: 951

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: 3940

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: 8764

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: 4264

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: 7822

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: 7822

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: 3580

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: 5641

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: 6858

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: 3575

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: 1613

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: 6272

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: 10731

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: 10731

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: 10731

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: 10731

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: 588

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: 3273

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: 1314

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: 13753

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: 3728

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: 1348

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: 13581

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: 13581

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: 13581

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: 13581

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: 3286

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...