Search found 867 matches

by climber2020
Wed Nov 15, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4211

Re: Fair way to split expenses?

All, In order to prevent future fights and difficulties with money, my wife and I have decided to have separate bank accounts and funnel money to a joint account that auto pays our bills. I would like to ask advice from those who have done anything remotely similar as to the best way to determine h...
by climber2020
Thu Nov 09, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Would other party's insurance cover car rental?
Replies: 6
Views: 485

Re: Would other party's insurance cover car rental?

I've been in several accidents - always the other driver's fault - and every time the other person's insurance company provided me with a rental car at no charge.
by climber2020
Wed Nov 08, 2017 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5241

Re: Eye Doctor $30 to get your Rx? Is this normal?

...Yes this is normal. Every single ophthalmologist that I'm aware of charges for refractions... I don't think you read the original post. The refraction had already been done. The $30 charge was assessed in the optical shop as the cost of giving her the prescription that the shop already had. That...
by climber2020
Tue Nov 07, 2017 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5241

Re: Eye Doctor $30 to get your Rx? Is this normal?

Could this cataract have gone from undetectable to blurring my vision within six months? Seems unlikely to me, especially since I just had a new Rx in the last year. I'm cancelling my VSP insurance and I'm going to get my eye exams and glasses at my HMO from now on. Cataracts can reach a stage wher...
by climber2020
Tue Nov 07, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5241

Re: Eye Doctor $30 to get your Rx? Is this normal?

I understand what you are saying, but here's what I don't understand. The appointment was for an eye exam to get glasses. We were told $20 copay on the phone. The work was then done. She was back in the lobby at checkout and she had the option to pay $20 for the copay or $50 for the copay and Rx. S...
by climber2020
Tue Nov 07, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5241

Re: Eye Doctor $30 to get your Rx? Is this normal?

Hello, My wife has been complaining about her vision for a while, decided to see an MD Ophthalmologist that participates in our HMO. We called and verified a $20 copay for the eye exam. She received her full eye exam, but our VSP vision plan, separate from the HMO, does not cover lenses and frames ...
by climber2020
Mon Nov 06, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10794

Re: Got an iPhoneX

It's a software problem and can either be fixed by Apple if they wanted to, or can be bypassed by shooting RAW and processing the photos yourselves, but it was nice when everything was automatic without the need for third party apps. I didn’t realize shooting RAW was an option. Interested. Do you h...
by climber2020
Mon Nov 06, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12785

Re: Why make more money?

Lets just assume that you are healthy and financially OK. You have have 30x expenses in investments plus whatever socials security will eventually give you in some distant future. You have no debt and the kids college is covered. You don't live extravagantly, but you have enough to travel, eat out,...
by climber2020
Mon Nov 06, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10794

Re: Got an iPhoneX

A new phone only offer better performance and a camera. Performance is about perspective and Im used to the speed of the iphone 5. The camera is ok if I am in a pinch, but when I travel I bring my big camera. In some ways, the camera on the iPhone 5 is actually better than the newer ones. Starting ...
by climber2020
Sun Nov 05, 2017 8:17 pm
Forum: Investing - Theory, News & General
Topic: Investment Books & Your Library
Replies: 36
Views: 2521

Re: Investment Books & Your Library

I used to have several investing books, including all the usual ones recommended here, but over the years I've given nearly all of them away. Once I got everything set up, there wasn't really anything else left to do other than keep saving and investing according to the plan. Any future books I read...
by climber2020
Wed Nov 01, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: the One investment to rule them all?
Replies: 25
Views: 3259

Re: the One investment to rule them all?

Agree with above. Graduate level education in a degree that pays well.
by climber2020
Wed Nov 01, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Put cash into a home or stock market.
Replies: 30
Views: 3456

Re: Put cash into a home or stock market.

More important question: at age 29, do you really want a house and everything that comes along with it? Trying to take advantage of lower interest rates You didn't answer the question. Whether or not it's a good deal is irrelevant if buying this thing will limit your options as a young person.
by climber2020
Wed Nov 01, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Put cash into a home or stock market.
Replies: 30
Views: 3456

Re: Put cash into a home or stock market.

More important question: at age 29, do you really want a house and everything that comes along with it?
by climber2020
Mon Oct 30, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 3139

Re: European Tours

Packing/unpacking takes a lot of time How much stuff are you packing? A trip like this can easily be done with one carry-on roller bag. I've pared it down even further and take only a small backpack regardless of the length of the vacation. I'm curious to see exactly what people are taking with the...
by climber2020
Sun Oct 29, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 8815

Re: we bought a house - are we housepoor now?

I don't understand the purpose of this question. You already bought the house. Any advice you get now is too late, and it doesn't even sound like you're receptive to useful dissenting opinions anyway. All the extra cash you're saving will be gone once you have a kid. In my observations, people who l...
by climber2020
Sat Oct 28, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 3139

Re: European Tours

Trafalgar is a well respected tour company that does several European tours. They're more expensive than some other groups, but you get what you pay for. I've done lots of group travel as well as trips that I planned on my own, and there are benefits to each. Lately I've been leaning more toward gro...
by climber2020
Fri Oct 27, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas in Jan/Feb?
Replies: 25
Views: 2173

Re: Vacation ideas in Jan/Feb?

How about Key West? January is an excellent time to visit, as it's still warm, but not hot.

We were just there a few weeks ago. Minimal hurricane damage and everything is back up and running again, at least in the touristy areas.
by climber2020
Fri Oct 27, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Ordering iPhoneX
Replies: 19
Views: 1738

Re: Ordering iPhoneX

If you get a new phone every single year, you don't need applecare. Their standard warranty covers most stuff for the first year even without paying extra for applecare. For warranty coverage, yes. For damage coverage and phone support there is a difference with Applecare+. I'm aware, but I still t...
by climber2020
Wed Oct 25, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Discussion Forum?
Replies: 31
Views: 2517

Re: Social Security Discussion Forum?

plnelson wrote:
Wed Oct 25, 2017 12:45 pm
What do YOU call that form of authentication?
I just call it authentication. I'm not in tech and have never seen or heard of KBA until I read this.
by climber2020
Wed Oct 25, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Ordering iPhoneX
Replies: 19
Views: 1738

Re: Ordering iPhoneX

I am planning to order a new iPhoneX on Friday morning, as soon as they allow acceptance of the orders. They go on sale at midnight, so if you live on the east coast, set your alarm for 3 AM. I wouldn't be surprised if they were completely sold out by 3:10. What other nuances and tips might I be mi...
by climber2020
Mon Oct 23, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Heading to ER, surprise bills [update: home again]
Replies: 44
Views: 5508

Re: Urgent! Heading to ER, surprise bills

I hope you get the care you need quickly. It seems like you could ask if the provider is in network but if they said no would you leave? If you have an emergency then the care is necessary in or out of network. Best wishes! I feel okay (I've gone blind in one eye suddenly but am not in pain) so may...
by climber2020
Sun Oct 22, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Drum sets?
Replies: 10
Views: 645

Re: Drum sets?

I would suggest buying drums from a well known manufacturer. Even their budget model drums should be constructed properly. My first drum set was made by a no name company (Percussion Plus. Not sure if they're still even around), and within a few months every piece of hardware was broken and had to b...
by climber2020
Fri Oct 20, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: I have to fire someone that I care about personally
Replies: 83
Views: 5202

Re: I have to fire someone that I care about personally

Regarding the main issue: in-person would be best. I've been in several bands, and that's what I would want if I were being let go. Regarding the ancillary issue: appearance absolutely makes a difference in this line of work, and you cannot teach charisma or stage presence, at least not to a degree ...
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: 3707

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: 3707

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: 528

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: 3925

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: 528

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: 55
Views: 8300

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: 3793

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: 14994

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: 14994

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: 1641

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: 4123

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: 1731

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: 2217

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: 2642

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: 3264

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: 2129

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: 1719

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: 5693

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: 2151

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: 1121

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: 7216

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: 204
Views: 15205

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: 5693

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: 971

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: 5693

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...