Search found 78 matches

by Dendritic Tree
Thu Oct 19, 2017 4:53 am
Forum: Personal Consumer Issues
Topic: Business Laptop Suggestions Request
Replies: 23
Views: 1783

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: 171994

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: 171994

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: 333
Views: 20185

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: 4955

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: 4955

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: 255
Views: 30943

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: 192
Views: 35191

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: 192
Views: 35191

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: 1636

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: 8960

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: 1466

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: 3015
Views: 883052

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: 41
Views: 5466

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: 6728

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: 1382

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: 1382

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: 14926

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: 17705

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: 1824

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: 3268

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: 1156

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: 17427

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: 1209

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: 5222

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: 33823

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: 3345

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: 5774

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: 6776

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: 6776

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: 10425

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: 2479

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: 5583

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...
by Dendritic Tree
Mon Jul 03, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Getting a new cooktop, gas vs electric?
Replies: 72
Views: 4418

Re: Getting a new cooktop, gas vs electric?

It may actually be cheaper to get an electrician to run a new circuit with higher gauge wire to your cooktop compared to plumbing a gas line, especially if your kitchen is somewhat near your circuit box. Can't hurt to get a quote.
by Dendritic Tree
Mon Jul 03, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Lease New Car?
Replies: 28
Views: 3127

Re: Lease New Car?

It's true that most electrical power still comes from coal in the US, but most EVs that drive on coal-generated electrons still at least break even in terms of carbon footprint due to their markedly increased efficiency compared to ICE vehicles. And the electric grid is rather dramatically moving aw...
by Dendritic Tree
Mon Jul 03, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Lease New Car?
Replies: 28
Views: 3127

Re: Lease New Car?

One small niche where leasing may make sense is in leasing electric cars (outside of Teslas). This market segment is improving so rapidly that owning one doesn't make much sense because you're guaranteed to be rapidly obsolete when new and improved battery technology comes out. A 5-year-old electric...
by Dendritic Tree
Sat Jul 01, 2017 5:50 am
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 47
Views: 5709

Re: New cars w/ no CD player -- what can I do with my CDs?

They still make CDs? I think I bought my last one in 2006.
by Dendritic Tree
Tue Jun 27, 2017 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Any Reason to Stay With USAA?
Replies: 21
Views: 1836

Re: Any Reason to Stay With USAA?

To be sure, NFS is only the clearing firm for USAA funds, but the bottom line is that this still allows you to buy Fidelity funds without a transaction fee. I'm not sure if staying at USAA is right for you, but it is possible to have a pretty Boglehead-ish portfolio with Fido funds at USAA. See this...
by Dendritic Tree
Sun Jun 25, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 15375

Re: Sam's Club vs. Costco

I've been a member at both. There's a reason the lines are longer at Costco. Quality is better all-around at Costco compared to Sam's, no contest. Plus I rarely wait more than 5 minutes even when it's a "zoo" - they typically have managers on the floor doing air traffic control and helping pre-scan ...
by Dendritic Tree
Thu Jun 22, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 81
Views: 7635

Re: Bogleheads: Please help me pick a new car

We've got a 6-year old Lexus RX 450h hybrid that has never had a single problem and has performed flawlessly. I would imagine the slightly smaller NX (also available in a hybrid, FYI) would be just as reliable. I had a NX loaner once and it handled nicely.
by Dendritic Tree
Thu Jun 22, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Which High-Yield Online Savings Account Should I Open?
Replies: 72
Views: 9505

Re: Which High-Yield Online Savings Account Should I Open?

I've had online savings accounts with SFGI Direct, Synchrony, and now Ally. Strongly prefer Ally of the three because of their better online interface. The other two banks had difficulty synchronizing with my main financial hub (USAA), and that I cannot abide. I use my USAA page/app to keep track of...
by Dendritic Tree
Mon Jun 19, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: Which motorcyle?
Replies: 26
Views: 1592

Re: Which motorcyle?

I would do the same thing if someone posted asking for a recommendation for cigarettes. My life's work is generally fighting against those two things more than anything else - motorcycles (they cause TBI) and cigarettes (they cause strokes).

Please don't ride a motorcycle! I beg you!
by Dendritic Tree
Mon Jun 19, 2017 8:30 am
Forum: Personal Consumer Issues
Topic: Which motorcyle?
Replies: 26
Views: 1592

Re: Which motorcyle?

I'm a neurointensivist who frequently cares for devastating brain and spine injuries due to motorcycle accidents. What strikes me is how random the accident can be - it can be a seasoned pro who rides all the time and all it takes is someone in a car not paying attention. There are at least a few pe...
by Dendritic Tree
Mon Jun 12, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Got a parking ticket - what to do?
Replies: 44
Views: 3657

Re: Got a parking ticket - what to do?

Another vote for ignoring it. Whether it was meant for you or not, it's not associated with you forevermore if the license plate isn't recorded correctly.
by Dendritic Tree
Thu Jun 08, 2017 3:43 pm
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 103
Views: 7892

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

TSLA is the only individual stock I've ever owned. I bought it about 4 years ago when the Model S came out and I took a test drive. I was convinced it was the future and bought some stock (not a Model S, sadly). This is before I was a Boglehead and I've never bought another individual stock since. I...
by Dendritic Tree
Mon Jun 05, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Black and white laser printers
Replies: 43
Views: 2773

Re: Black and white laser printers

Personal experience with Brother HL-5470DW: going strong for about 5 years. Laser printer with black-and-white only. It's a totally reliable workhorse, never had a single problem. All of our printing is done wirelessly from iPads or iPhones.
by Dendritic Tree
Sat May 06, 2017 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Student loan debt, PSLF, planning for future
Replies: 37
Views: 3046

Re: Student loan debt, PSLF, planning for future

Cautionary tale: my wife and I are both physicians who have massive combined student loan debt (over 600k) and have been paying by IBR while in training and early career (she's been out in the "real world" a few years longer because my residency/fellowship was so long). We have both worked...
by Dendritic Tree
Sun Apr 30, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Turned down for umbrella policy
Replies: 23
Views: 3690

Re: Turned down for umbrella policy

We were turned down by USAA due to a minor at-fault scratch (not even an accident) and another at-fault accident (someone slammed on brakes in front of me). Unfortunately both were in the last few months so we'll be stuck with them for the next 5 years. I guess I'll be looking for an umbrella policy...
by Dendritic Tree
Sat Apr 29, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% unlimited Cash back Card - Weird...
Replies: 34
Views: 5048

Re: USAA 2.5% unlimited Cash back Card - Weird...

I got a little excited when I saw this thread title come up because I've been waiting with bated breath for any news about new states being added to this card. Come on, NC!