Search found 1107 matches

by climber2020
Fri Jan 11, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: Banff/Lake Louise vacation-suggestions?
Replies: 16
Views: 896

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: 998

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: Investing - Help with Personal Investments
Topic: Advice for a young boglehead?
Replies: 13
Views: 1477

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: 2512

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: 2545

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 ...
by climber2020
Sun Jan 06, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2545

Re: Carryon for 7-day FL vacation?

but I need clean clothes I would argue that by packing light, my clothes are much cleaner than yours. I pack 3-4 shirts, regardless of the length of the trip, and I wash whatever I was wearing that day (with the exception of jeans) every single evening, so at no point do I ever carry around dirty c...
by climber2020
Sat Jan 05, 2019 11:03 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2545

Re: Carryon for 7-day FL vacation?

but I need clean clothes I would argue that by packing light, my clothes are much cleaner than yours. I pack 3-4 shirts, regardless of the length of the trip, and I wash whatever I was wearing that day (with the exception of jeans) every single evening, so at no point do I ever carry around dirty c...
by climber2020
Sat Jan 05, 2019 10:52 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2545

Re: Carryon for 7-day FL vacation?

Keepcalm wrote:
Sat Jan 05, 2019 2:18 pm
Am I dreaming to think I can get away with a carryon?
I've traveled for a month with a Jansport backpack. Just pack a few sets of clothes that dry quickly, do a small wash every day, and don't pack a bunch of garbage. Very easy.
by climber2020
Sat Jan 05, 2019 7:21 pm
Forum: Personal Consumer Issues
Topic: Which iPhone: 8 or XR?
Replies: 45
Views: 3117

Re: Which iPhone: 8 or XR?

Howdy Bogleheads, Having recently bought the new Mac mini, and an iPad, I find myself more or less in the Apple ecosystem. I'm thinking I'll probably seal the deal in the near future and get an iPhone too. My inclination right now is to get either the 8 or the XR. I'm not gonna pay a thousand bucks...
by climber2020
Fri Dec 28, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Tips to Save without hassle
Replies: 32
Views: 2237

Re: Tips to Save without hassle

So without counting pennies what techniques do you follow to ensure you do no overspend? Working on the big stuff will make much more of an impact than the number of coffees you buy, setting the thermostat 2 degrees lower, or generic vs name brand canned goods. House, car, educational costs, misc v...
by climber2020
Fri Dec 28, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Removing Russian Labels [from painted wood]
Replies: 5
Views: 798

Re: Removing Russian Labels

Lighter fluid. Quick & effective.
by climber2020
Fri Dec 28, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Tips to Save without hassle
Replies: 32
Views: 2237

Re: Tips to Save without hassle

So without counting pennies what techniques do you follow to ensure you do no overspend? Working on the big stuff will make much more of an impact than the number of coffees you buy, setting the thermostat 2 degrees lower, or generic vs name brand canned goods. House, car, educational costs, misc v...
by climber2020
Thu Dec 27, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9278

Re: What common everyday inconvenience have you intentionally suffered for frugality?

1) I bought a house that is way smaller and less expensive than what most people in my income bracket buy 2) I bought a car that is less expensive than what most people in my income bracket buy 3) Got lucky with not having a high amount of student loans 4) I don't own a boat, timeshare, or other sim...
by climber2020
Thu Dec 27, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Do Hertz/Avis really cost double Enterprise?
Replies: 58
Views: 3266

Re: Do Hertz/Avis really cost double Enterprise?

It's all random. I've encountered many situations where one major rental company is cheaper than all the others, and it isn't consistently the same one. The rates will also change over time, so I usually book the car several months out and re-check the rates every week or so. When the rates drop, I ...
by climber2020
Wed Dec 26, 2018 4:11 pm
Forum: Investing - Theory, News & General
Topic: 12/26/2018 is why you don't want to TLH to cash
Replies: 14
Views: 1442

Re: 12/26/2018 is why you don't want to TLH to cash

I never understood why anyone would want to sit on cash for 31 days when it's so easy to TLH into an equivalent fund that is more or less the same exact thing. Thanks for pointing out today; great example.
by climber2020
Thu Dec 06, 2018 6:39 am
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2283

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: 5656

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: 13987

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: 2070

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: 13987

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: 13987

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: 7486

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: 6238

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: 3101

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: 3101

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: 6238

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: 536

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: 6238

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: 769

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: 1057

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: 1057

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: 1057

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: Personal Finance (Not Investing)
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 94
Views: 11526

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: 11042

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: 2614

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: 1106

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: 1288

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: 1697

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: 3166

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: 1174

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: 2889

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: 1667

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: 5658

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: 3800

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: 5658

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: 5658

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: 5658

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: 5658

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: 8977

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: 5658

[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...