Search found 94 matches

by Dendritic Tree
Tue Dec 12, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should I file taxes w/o her?
Replies: 54
Views: 3576

Re: Should I file taxes w/o her?

Some deductions are not available for married filing separately. The one I was concerned about when I checked was student loan interest, but it seems unlikely that would be the only one. They are way beyond phased out of being able to claim the student loan interest deduction. Even individually, if...
by Dendritic Tree
Thu Dec 07, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 5251

Re: Recommended places to live

I would suggest somewhere in the Appalachians for 4 seasons, hiking/outdoors, and proximity to water (rivers and lakes, not ocean). These cities come to mind: Chattanooga, TN Asheville, NC Roanoke, VA Charlottesville, VA Pittsburgh, PA Wait, what? Pittsburgh? Hear me out: it’s really an Appalachian ...
by Dendritic Tree
Wed Dec 06, 2017 6:57 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10360

Re: Price of haircut?

MCOL Southern city. I pay $12 plus $4 tip every 3 months. My wife pays $45 (not sure the tip) at a fancy salon about every 4-6 months.
by Dendritic Tree
Tue Nov 28, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: Safest roomy luxury suv?
Replies: 58
Views: 5093

Re: Safest roomy luxury suv?

If safety is paramount, then the Tesla Model X is the safest SUV ever created, and the only one ever to get a 5-star crash rating in every NHTSA category: https://www.engadget.com/2017/06/13/tesla-model-x-earns-a-perfect-nhtsa-safety-rating/ I don’t own one, but I’ve driven one, and it is a blast to...
by Dendritic Tree
Sun Nov 19, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3117

Re: Electric Car (Nissan Leaf) for a teen driver?

Finally she wont learn how to maintain a ice car (ie oil change intervals, coolant, timing belt, etc). This statement is going to sound increasingly anachronistic with each passing year, as ICE vehicles become more and more obsolete. Oil changes, coolants, timing belts are not the way of the future...
by Dendritic Tree
Sun Nov 19, 2017 6:43 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 9405

Re: Thouhgts about wearing a "uniform"/same thing everyday?

Aren't scrubs supposed to be "clean" attire retained in the work environment of a hospital. I always get the willies when I see health care people running around in public in their work clothes. In my field when involved in manufacturing work we usually had protective/clean attire that did not leav...
by Dendritic Tree
Fri Nov 10, 2017 6:49 am
Forum: Personal Consumer Issues
Topic: Best Approach for Purchasing Many Furnishings
Replies: 27
Views: 1771

Re: Best Approach for Purchasing Many Furnishings

I furnished my first apartment completely off Craigslist (except the mattress) for super cheap. Many of the items were actually free. I still use my dining room table that was a diamond in the rough that I got for free and refinished myself (I should find the before/after pics - a total piece of cra...
by Dendritic Tree
Tue Nov 07, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: Best strategy for selling cell phone on Ebay?
Replies: 33
Views: 1818

Re: Best strategy for selling cell phone on Ebay?

I have sold two on Gazell. Simple, why hassle with Ebay for $10 more. Because it’s usually a lot more than $10 more. It’s usually about double for phones. For example, I’m selling my iPhone 5. Gazelle offers $30. Prevailing selling prices on eBay are in the mid-$70s. The relative ease of selling to...
by Dendritic Tree
Tue Nov 07, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 11466

Re: Got an iPhoneX

I am happy to read the posts about those buying an iPhoneX. Seriously. My Apple stock is a-popping, and hopefully the iPhoneX will enjoy robust sales for a couple of quarters from now. I guess we should all want Apple, and Samsung, to do well, given that most Bogleheads own stock in both in the for...
by Dendritic Tree
Mon Nov 06, 2017 6:43 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 11466

Re: Got an iPhoneX

I’ve got a 5-year-old iPhone 5. The earpiece stopped working a few months back so I have to use speakerphone or earbuds to make a phone call. The iPhone X is definitely extravagant but I’m expecting it to arrive in the mail tomorrow. I’ll probably keep it 4-5 years as well. I know it would make more...
by Dendritic Tree
Sat Oct 28, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: dishwasher recommendations
Replies: 54
Views: 3067

Re: dishwasher recommendations

Wow! Cycle time is three hours! Are there any good dishwashers that have cycle times of an hour or so or no? Does that not exist anymore? We have the Kitchenaid KDTM354DSS and there's an option for a faster wash. The instruction manual says something to the effect of "Modern dishwashers are designe...
by Dendritic Tree
Fri Oct 27, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 253
Views: 44137

Re: USAA 2.5% Cash Back Credit Card

Still not available in North Carolina. I’m starting to wonder if the full rollout won’t be delayed until next calnedar year, or (hopefully not) cancelled altogether.
by Dendritic Tree
Fri Oct 27, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26538

Re: Iphone X is $1000

Did anyone bite yet?
by Dendritic Tree
Mon Oct 23, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 121
Views: 20909

Re: Career Advice for an Unhappy Young Doctor?

1. Time off. Time away from practice does wonders. I took a few months off after my fellowship and felt reinvigorated to go back. That said, the first year or so of being an attending is almost as stressful as starting residency, so she may need some early time off to recharge. 2. Change of scenery....
by Dendritic Tree
Mon Oct 23, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Heading to ER, surprise bills [update: home again]
Replies: 44
Views: 5679

Re: Urgent! Heading to ER, surprise bills

Teague wrote:
Mon Oct 23, 2017 9:37 pm
OP maybe if you could update us once you have been diagnosed?

Best wishes, T.I.A. :wink: (thanks in advance)
“TIA” indeed. Of the eye.
by Dendritic Tree
Mon Oct 23, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Heading to ER, surprise bills [update: home again]
Replies: 44
Views: 5679

Re: Urgent! Heading to ER, surprise bills

To take the thread back from medical issues involving a potential central retinal artery occlusion (if permanent, amaurosis fugax if temporary) - most insurance plans have some sort of in-network exemption for true emergency visits where even an out-of-network ER is covered at an in-network rate. So...
by Dendritic Tree
Thu Oct 19, 2017 4:53 am
Forum: Personal Consumer Issues
Topic: Business Laptop Suggestions Request
Replies: 36
Views: 3108

Re: Business Laptop Suggestions Request

I personally have a MacBook Pro, but my employer uses Lenovo Thinkpads for their business laptops and everybody seems very satisfied with them.
by Dendritic Tree
Wed Oct 11, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 174670

Re: Tesla S

Interesting concept. That would mean accelerating at greater than 9.8m/sec*2. You would have to roughly go from zero to 22 mph in one second. I don't know if that is theoretically possible. Considering it can go from zero to 60 mph in 2.28 seconds, I would consider it plausible that it could go fro...
by Dendritic Tree
Wed Oct 11, 2017 3:00 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 174670

Re: Tesla S

Interesting concept. That would mean accelerating at greater than 9.8m/sec*2. You would have to roughly go from zero to 22 mph in one second. I don't know if that is theoretically possible. Considering it can go from zero to 60 mph in 2.28 seconds, I would consider it plausible that it could go fro...
by Dendritic Tree
Mon Oct 09, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26538

Re: Iphone X is $1000

There's an article on Forbes about how the iPhone X will likely only have 2-4 million units available this year because of a bottleneck with the face sensor, as opposed to 13 million on opening weekend with past models. So this will create incredible scarcity, and consequently these phones will prob...
by Dendritic Tree
Sat Oct 07, 2017 3:19 am
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 5478

Re: Anyone go 100% Ally or another online bank for all banking needs?

I don't mean to continue flogging a dead horse, but why is this even an issue, other than bragging rights to be able to say; "I am 100% online. Will somebody please tell me this massive benefit from not having access to B&M banking services. I hardly go to an ATM anymore, let alone go into my CU br...
by Dendritic Tree
Thu Oct 05, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 5478

Re: Anyone go 100% Ally or another online bank for all banking needs?

Ally for high-interest savings (emergency fund), USAA for all other banking. I've never had a brick-and-mortar bank. My first bank was USAA and I used to do all my banking by mail before everything went online and it got a lot easier. I've never needed a physical bank once in 25 years of banking.
by Dendritic Tree
Sun Sep 24, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 259
Views: 32406

Re: Good Modern Science Fiction

I know the golden age of sci-fi was in the 60s-70s, but I'm going to go ahead and interpret "Modern" to mean in the current millennium, if not the current decade. Here are a few of my favorites: Oryx and Crake: dystopian fiction at its best on a backdrop of genetic engineering from the true master o...
by Dendritic Tree
Tue Sep 19, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 253
Views: 44137

Re: USAA 2.5% Cash Back Credit Card

Still waiting with bated breath...
by Dendritic Tree
Fri Sep 08, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 253
Views: 44137

Re: USAA 2.5% Cash Back Credit Card

Victoria, you just made my day. I've been checking the USAA website multiple times per month for almost a year to see when it would expand eligibility to NC. There seemed to be a regular pattern of adding new states until it just stopped around April. I thought it might have stalled or been cancelle...
by Dendritic Tree
Fri Sep 08, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: NW ~$0. Advice for next steps please!
Replies: 10
Views: 1733

Re: NW ~$0. Advice for next steps please!

Congratulations, keep up the good work! You should have a party to celebrate. When my wife and I finally claw our way up to $0 NW (massive student loans), we're going to invite our friends over for a "zero party". We've been talking about it for years. Still have years to plan it...
by Dendritic Tree
Fri Sep 08, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Contemplating an Electric Car
Replies: 147
Views: 9787

Re: Contemplating an Electric Car

The problem with this is the public l2 charging stations, suck. Half of them don't work while the others are iced. This is a huge advantage for Tesla which puts a good effort into keeping their chargers up and in good locations. Just curious, are you saying this from personal experience? Any non-Te...
by Dendritic Tree
Tue Sep 05, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: Has anyone ever experienced automatic collision notification in a car accident?
Replies: 11
Views: 1573

Re: Has anyone ever experienced automatic collision notification in a car accident?

I had a Mercedes that called 911 for me when I got rear-ended and totaled. I was still dazed and confused, my kids were screaming, I had no idea what was going on. But it was extremely helpful for my car to call for me. It didn't use my cell phone. I didn't even know it had that feature. The police ...
by Dendritic Tree
Sat Sep 02, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3124
Views: 920787

Re: What Movie Have You Recently Watched?

I just watched Spotlight because my wife got to pick the movie. She picked it because it won Best Picture a couple of years ago. I was not too enthused about watching a movie about investigative journalism - it sounded a little dry to me. But man, it was riveting.
by Dendritic Tree
Fri Sep 01, 2017 9:32 pm
Forum: Investing - Theory, News & General
Topic: Ally savings rate raised to 1.20%
Replies: 42
Views: 6176

Re: Ally savings rate raised to 1.20%

VictoriaF wrote:
Fri Sep 01, 2017 7:06 pm

So the money comes straight from the horse's mouth?
Victoria, you are on a roll!
by Dendritic Tree
Sat Aug 26, 2017 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Sigh...I'm ready for criticism...how am I doing?
Replies: 50
Views: 7029

Re: Sigh...I'm ready for criticism...how am I doing?

If it makes you feel any better, I'm a physician two years out of training (but 4 years older than you), married to another physician, and we are in a worse financial situation than you primarily due to our large med school debt (about 600k, combined). We have similar or slightly more savings, and h...
by Dendritic Tree
Fri Aug 25, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Employer reimbursement for plugin hybrid charge cost?
Replies: 14
Views: 1489

Re: Employer reimbursement for plugin hybrid charge cost?

This by the way is where a hybrid like a Prius is at its best. On the other hand, an electric-only car with limited battery capacity like a LEAF is in danger of running the battery down if you spend a lot of time in traffic jams in extremely hot or cold weather where the AC or heat may consume more...
by Dendritic Tree
Wed Aug 23, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Employer reimbursement for plugin hybrid charge cost?
Replies: 14
Views: 1489

Re: Employer reimbursement for plugin hybrid charge cost?

Electric engines (including in a plug-in hybrid) are so efficient that I would not imagine you would get reimbursed much if you submitted kilowatt-hours used. Even at a very inefficient worst-case scenario of 3 miles/kWh, you would be using around 33 kWh/100 miles. At the national average cost of $0...
by Dendritic Tree
Mon Aug 21, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 16194

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

We made a medium-length drive to the mountains of western North Carolina to see totality. A hot and sunny day... until the hour before and after the eclipse, when a thunderstorm popped up and blotted out the sky at precisely the wrong moment. I was so excited to see the sun's usually hidden magnetic...
by Dendritic Tree
Fri Aug 11, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 107
Views: 18687

Re: Best place (with warm weather) to raise children

Asheville, NC is a mountain paradise and has excellent public schools.
by Dendritic Tree
Sat Aug 05, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: only have 401k & emergency funds. what's next?
Replies: 24
Views: 1912

Re: only have 401k & emergency funds. what's next?

I'm in a similar situation - mid-30s, about 600k of medical school debt, not much retirement savings yet. I totally understand the feeling of wanting to build wealth. I think you have to look at paying off debt as building wealth; you'll have to eventually directly subtract that debt from your wealt...
by Dendritic Tree
Mon Jul 31, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Dinner plates that do not get so hot after microwaving?
Replies: 37
Views: 4327

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

Just a caution - dishware marked "microwave safe" can still get super hot. I know from unfortunate personal experience. "Microwave safe" seems to be more of a marketing term than an objective standard. I agree with all the Corelle recommendations though,
by Dendritic Tree
Mon Jul 31, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: Lexus Rx 350 or 450
Replies: 4
Views: 1216

Re: Lexus Rx 350 or 450

My wife has a 7-year-old RX 450h. She got it as a 3-year-old off-lease CPO from one of our local dealerships in the Research Triangle in North Carolina, where both 350 and 450h were in abundance. I would recommend the 450h over the 350 for the more refined and smooth driving experience, for not much...
by Dendritic Tree
Mon Jul 31, 2017 5:18 am
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 177
Views: 18337

Re: Tesla - next big lottery ticket ?

I had this thought in 2013 (shortly after Model S came out) and put 1k of play money into TSLA (before I was a Boglehead). I'm still holding it, still just for fun. I didn't have more than 1k (of play money) at the time but of course there's the wistful thinking of wishing I had put more in. It's th...
by Dendritic Tree
Sun Jul 30, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: Questions about prescribed sunglasses
Replies: 14
Views: 1280

Re: Questions about prescribed sunglasses

All of my sunglasses are prescription. You can get any brand of eyeglasses or sunglasses at an eyeglasses shop turned into prescription sunglasses for an additional fee. You can use the same prescription as your eyeglasses. You are not limited to just one brand - I have 3 or 4 brands of prescription...
by Dendritic Tree
Sat Jul 29, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Philosophy major and future law student
Replies: 93
Views: 5656

Re: Philosophy major and future law student

I majored in philosophy in college and wound up in medical school. I will admit that most of my colleagues in the major went to law school. However, I feel that philosophy is an excellent base coat on which to apply further studies. Nothing else really gives you that versatile critical reasoning ski...
by Dendritic Tree
Sat Jul 29, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 35842

Re: Tesla Model 3 or Chevy Bolt?

A couple of days before committing to a reservation made a big difference. Here's my posted schedule:

First production: Mar - May 2018
Standard battery: May - Jul 2018
Dual motor: Dec 2018 - Feb 2019

Reserved first thing in morning on Apr 4, 2016. Not a Tesla owner, live in the Southeast.
by Dendritic Tree
Fri Jul 28, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 60
Views: 3510

Re: Commuters (that drive), what do you listen to?

NPR. Usually, All Things Considered or Marketplace syncs up with my commute.
by Dendritic Tree
Wed Jul 26, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: GF Picking a college major
Replies: 105
Views: 6328

Re: GF Picking a college major

aristotelian wrote:+1, your college major is not a life sentence.
+1. I was a philosophy major. And now I'm actually a productive member of society.
by Dendritic Tree
Wed Jul 26, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 7126

Re: Where to View Total Eclipse? - Kansas City

From that map, using the time of maximum eclipse when it just hits the US west coast to when it just leaves the US east coast, and measuring that distance using Google maps, I calculate that the "sweet spot" of the eclipse is travelling at Mach 2.148 (1648 mph)! Where's the XB-70 Valkyrie when we n...
by Dendritic Tree
Wed Jul 26, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 7126

Re: Where to View Total Eclipse? - Kansas City

A couple of thoughts regarding eclipse traffic: 1. Traffic is expected to be so bad it's being compared to the "zombie apocalypse". https://www.nbcnews.com/mach/science/solar-eclipse-day-could-resemble-zombie-apocalypse-ncna785411 2. Thinking you'll be able to get around the big jam using traffic ap...
by Dendritic Tree
Wed Jul 26, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 150
Views: 11157

Re: What Car Should I Buy My Daughter as a Graduation Present

I think everyone is losing sight of the fact that she picked the Fit as a car she'd like to drive, and it's a totally acceptable, safe, and reliable option. Small size is a giant advantage when driving in the city, and not a huge safety liability on modern cars like it might have once been. The heav...
by Dendritic Tree
Tue Jul 11, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Outside Pittsburgh short trip ideas
Replies: 36
Views: 2594

Re: Outside Pittsburgh short trip ideas

Agree with Falling Water and Ohiopyle
by Dendritic Tree
Fri Jul 07, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 5999

Re: Better hurry if you want a gas-engine Volvo

I drove a hybrid for 10 years and almost 100k miles and only got rid of it when there was an issue with the gasoline engine - never had a single issue with battery or electric drivetrain. Now I drive an all-electric car. Granted, I am lucky enough to have a garage (pretty rare in my city), but charg...