Search found 810 matches

by climber2020
Thu Sep 21, 2017 5:54 am
Forum: Investing - Theory, News & General
Topic: AA if you were just starting out again
Replies: 17
Views: 991

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: 1430

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: 1469

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: 970

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: 299
Views: 14902

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: 299
Views: 14902

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: 797

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: 299
Views: 14902

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: 309
Views: 15990

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: 2212

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: 3962

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: 239

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: 257
Views: 21252

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: 1326

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: 2805

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: 2805

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: 1014

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
by climber2020
Wed Aug 23, 2017 6:17 am
Forum: Personal Finance (Not Investing)
Topic: starting private practice- Need advice
Replies: 6
Views: 758

Re: starting private practice- Need advice

I can't answer any of your questions, but can make a suggestion. If you haven't done so already, sign up for Sermo and post your question there as well. Between bogleheads and sermo, you should be able to get a good amount of knowledge.
by climber2020
Tue Aug 22, 2017 6:09 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14498

Re: How far would you travel to see The Eclipse?

We got lucky and had nice clear skies in eastern Tennessee. Definitely worth the drive and overnight stay to see this interesting event. We even saw a big group of birds go crazy and fly directly overhead when totality hit (photo here if anyone is interested: https://www.liteadventurer.com/great-am...
by climber2020
Mon Aug 21, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14498

Re: How far would you travel to see The Eclipse?

We got lucky and had nice clear skies in eastern Tennessee. Definitely worth the drive and overnight stay to see this interesting event. We even saw a big group of birds go crazy and fly directly overhead when totality hit (photo here if anyone is interested: https://www.liteadventurer.com/great-ame...
by climber2020
Sat Aug 19, 2017 6:47 am
Forum: Personal Finance (Not Investing)
Topic: 200k cash. How to invest while in medical school?
Replies: 8
Views: 1246

Re: 200k cash. How to invest while in medical school?

I'd pay for school with the cash.

House as a medical student is a poor idea. You don't want to be a landlord in the very small amount of free time you'll have. Your best investment is to get good grades, get high board scores, and give yourself the ability to choose the specialty of your liking.
by climber2020
Fri Aug 18, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 15799

Re: Jobs that pay over $100,000

Physician assistant. Pays well and requires a fraction of the education as an MD. To weigh in on the side topic, if I did what I loved, I would have been a musician, broke, and probably dead by now. I found something I liked enough that paid well with good job security, and now I can do what I love ...
by climber2020
Fri Aug 18, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Hotel availability for eclipse
Replies: 8
Views: 893

Hotel availability for eclipse

If anyone is still looking for a hotel room in the totality zone, some rooms are becoming available at places that were completely booked up months ago. Much to my surprise, this morning I was able to reserve a room at a fairly nice hotel for the night before the eclipse due to some last minute canc...
by climber2020
Thu Aug 17, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 9085

Re: Non-fiction bucket list

DomDangelina wrote:
Thu Aug 17, 2017 8:31 pm
The Gulag Archipelago, by Alexander Solzhenitsyn
Abridged or unabridged?
by climber2020
Thu Aug 17, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 59
Views: 8344

Re: Little P**S Ants

I live in Florida and I'm having a problem with these little tiny P**S ants all over the place. Sitting here in front of my computer they are running all over my desk and even up onto my keyboard and monitor as I type. I put down terro ant killer and that got rid of them for a while but then they w...
by climber2020
Wed Aug 16, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Anyone have a personal chef?
Replies: 48
Views: 4502

Re: Anyone have a personal chef?

My spouse wants to eat very healthy but also has a limited diet. After taking the time to go to the grocery store today, prep the meal, cook it, do the dishes, it was over 2 hours. It got me thinking about a personal chef. Anyone have one, what were the costs and were you satisfied? You could make ...
by climber2020
Tue Aug 15, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: please help...am I overextended - first home
Replies: 78
Views: 6617

Re: please help...am I overextended - first home

15 year mortgage or 30 year?

As it stands, you'd be spending 41% of your take home pay on your house payment. That seems like a lot.
by climber2020
Sat Aug 12, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Trip to Banff / Lake Louise / other places
Replies: 34
Views: 3411

Re: Trip to Banff / Lake Louise / other places

The highlights of my visit there a few years back were Emerald Lake and hiking the Iceline trail in Yoho.
by climber2020
Sat Aug 12, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14498

Re: How far would you travel to see The Eclipse?

I live in Nashville, so the eclipse is coming to me. But I have no interest in watching; will probably take a nap. 1) sun 2) dark 3) sun Happens every 24 hours. At least get off your couch and walk outside to observe the corona when the moon is right in front of the sun. You won't get to see that e...
by climber2020
Sat Aug 12, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Trip Cancellation Insurance.
Replies: 37
Views: 2626

Re: Trip Cancellation Insurance.

If you're relying on your credit card, check to see what your limits are for medical evacuation coverage. I think the average cost for a medical evac within North America is around $25,000. I can eat the cost of some plane tickets and a hotel deposit, but would rather not pay five figures to get air...
by climber2020
Fri Aug 11, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Bough gift cards from cash card.com and somebody else used them all
Replies: 25
Views: 2880

Re: Bough gift cards from cash card.com and somebody else used them all

A quick search shows that many people have similar complaints: https://www.bbb.org/new-jersey/business-reviews/prepaid-debit-credit-cards/cardcash-com-in-brick-nj-90028712 Out of curiosity, why do you buy gift cards to use yourself? Are you able to buy them at less than face value? Asking because I ...
by climber2020
Thu Aug 10, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 85
Views: 5385

Re: Oregon road trip help

Just my opinion: if you're going to spend an entire day in Portland, you may want to come up with a list of things you specifically want to see and do. It's not a city that's fun to walk around aimlessly with no plan. We were told by several people to keep our expectations low, and they were correc...
by climber2020
Thu Aug 10, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 85
Views: 5385

Re: Oregon road trip help

Just my opinion: if you're going to spend an entire day in Portland, you may want to come up with a list of things you specifically want to see and do. It's not a city that's fun to walk around aimlessly with no plan. We were told by several people to keep our expectations low, and they were correct.
by climber2020
Thu Aug 10, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Trip Cancellation Insurance.
Replies: 37
Views: 2626

Re: Trip Cancellation Insurance.

Trip cancellation coverage is only a small part of trip insurance. You can buy medical and evacuation coverage without getting insurance for cancellation. Adding cancellation coverage will increase your total cost substantially, and I've never felt it was worth the cost. If I'm going someplace remot...
by climber2020
Thu Aug 10, 2017 5:42 am
Forum: Personal Consumer Issues
Topic: How to start a blog and claim the name?
Replies: 42
Views: 4770

Re: How to start a blog and claim the name?

I went through this process a few months ago. I ended up going with Bluehost and got a 3 year deal for $99. The few times I had to contact them with issues, they were helpful and fast. After the 3 years, they jack the price up, so I'll likely reassess the situation when my current deal expires.
by climber2020
Wed Aug 09, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 85
Views: 5385

Re: Oregon road trip help

One place you may want to consider is Crater Lake. It's a bit out of the way from everything else, so it might be a bit too much for a 5 night trip. It's an incredible place. Earlier this summer, I also spent a week in Oregon and drove up the coast for part of it. Here are some pictures from my trip...
by climber2020
Wed Aug 09, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Do you plan to ditch your laptop in travel soon?
Replies: 52
Views: 3966

Re: Do you plan to ditch your laptop in travel soon?

In theory, all the three things could be done with a smart phone, although a laptop makes it easier. Do you plan to ditch your laptop in travel soon? What might be the things (travel related) for which a laptop is essential? I never take my laptop anywhere. I had an iPad for years, but sold it beca...
by climber2020
Mon Aug 07, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Eclipse viewing
Replies: 61
Views: 5462

Re: Eclipse viewing

Thank you everyone for this thread. I had no idea how rare it was for one of these to cross the continental US; I figured it was a common occurrence and had no plans to even attempt to see it. All the hotels in the area are completely booked - no surprise - but I live a stone's throw away from total...
by climber2020
Sat Aug 05, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: First Home - How Much *Should* I spend?
Replies: 8
Views: 1019

Re: First Home - How Much *Should* I spend?

The advice I've read here says something up to 3x income is fine. I went the other way and bought exactly what I needed and no more. Small house that fits my needs and is located in a very convenient area. The purchase price was less than half my annual gross income. I do live in a low cost of livin...
by climber2020
Tue Aug 01, 2017 7:01 am
Forum: Personal Consumer Issues
Topic: Who's Responsible?
Replies: 23
Views: 1552

Re: Who's Responsible?

You got your money back. This happened to me once, and Amazon gave me a refund as well.

I'd let it go and move on.
by climber2020
Tue Aug 01, 2017 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Best credit card options??
Replies: 18
Views: 2018

Re: Best credit card options??

dashtadj wrote:Penfed has a 2% cash back card, all purchases. No annual fee, no foreign transaction fees
Is this card available to everyone, or are there certain restrictions on who can apply?
by climber2020
Mon Jul 31, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card options??
Replies: 18
Views: 2018

Re: Best credit card options??

The Citi Doublecash card has a 3% foreign transaction fee. The Fidelity Visa has a 1% foreign transaction fee. If you're traveling internationally, you don't want to use either of these cards. I travel a lot, and the one card I use for everything is a Capital One Quicksilver, which you already have....
by climber2020
Mon Jul 31, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Dinner plates that do not get so hot after microwaving?
Replies: 37
Views: 2968

Re: Dinner plates that do not get so hot after microwaving?

I use corelle plates. They're almost 20 years old and still awesome.

Try putting less on the plate when you heat stuff up. The only part of my plate that gets really hot is the area that has food on top of it. The other parts are fine.
by climber2020
Mon Jul 31, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Should we increase our retirement savings rate?
Replies: 35
Views: 2798

Re: Should we increase our retirement savings rate?

Can we get an update on what you posted not that long ago:

viewtopic.php?f=2&t=220152
by climber2020
Sat Jul 29, 2017 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Philosophy major and future law student
Replies: 93
Views: 5117

Re: Philosophy major and future law student

He should major in whatever he wants, as long as he is certain that law school is the plan. If his grades are excellent and standardized testing scores are high, it won't matter. I majored in music and went to medical school. I was nervous at the time because nearly every other premed majored in eit...
by climber2020
Fri Jul 28, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford it ? [A new car]
Replies: 95
Views: 6284

Re: Can I afford it ?

You can afford it. That doesn't mean it's worth it. Do you want to retire early? Are you ok working 4 more months to buy that car etc? Ture. That is the part of me not agreeing to spend.( being frugal my whole life) Been driving toyota for last 10+ year. we want to retire early in mid 50s. we are i...
by climber2020
Wed Jul 26, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: GF Picking a college major
Replies: 105
Views: 5492

Re: GF Picking a college major

amd7239 wrote: Based on all this, what might be a good major for her?
How about being an accountant? There's math involved, but it's not advanced calculus.
by climber2020
Wed Jul 26, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice on Credit Card Debt
Replies: 38
Views: 2131

Re: Need Advice on Credit Card Debt

gdsumirat wrote:I have a Paypal Credit Card balance of over $6500 (includes ~25% interest rate :oops: ) to date.
What did you spend the money on?