Search found 110 matches

by Dendritic Tree
Sun Feb 11, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: How to start a blog and claim the name?
Replies: 44
Views: 5653

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

This was a very informative thread, but I have not followed up because I was busy with other activities. Now, I am revisiting the idea of setting up a website. What are the current recommendations for hosting? When I Google for it, different sites offer different lists of the bests, and many seem t...
by Dendritic Tree
Sun Feb 11, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: officiate a marriage
Replies: 13
Views: 916

Re: officiate a marriage

I officiated my brother-in-law’s wedding in Colorado (I live in North Carolina). I got ordained online through the American Marraige Ministries:

https://theamm.org

It was pretty painless. As far as I remember, they’re recognized in all 50 states.
by Dendritic Tree
Tue Feb 06, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262255

Re: U.S. stocks in freefall

I know that downward blips, corrections, and bears are really frightening for those in or near retirement. Sheepdog's panic thread from Oct 2008 is quite a lesson, and an eye-opener. But for those of us still in the accumulation phase, with decades left to go (and many corrections/bears still to com...
by Dendritic Tree
Fri Feb 02, 2018 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Buy a house? But there's a student loan elephant in the room
Replies: 65
Views: 5868

Re: Buy a house? But there's a student loan elephant in the room

They had this exact scenario on Dave Ramsey I watched on Youtube this week. Basically a carbon copy of 2 doctors and 300K debt. Basically, stop retirement funding for now, rent in a cheap place. Get rid of all your loans, buy cheap cars with cash, live on 50K like 99% of us do, and then pay all of ...
by Dendritic Tree
Fri Feb 02, 2018 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Buy a house? But there's a student loan elephant in the room
Replies: 65
Views: 5868

Re: Buy a house? But there's a student loan elephant in the room

Thanks. I was originally looking for advice on how to deal with buying a house. I don’t appreciate the focus on our low salaries. We both had lower salaries in an academic setting before now. I’m not looking for advice on how to make more money in a different geographical location. We live like res...
by Dendritic Tree
Fri Feb 02, 2018 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Buy a house? But there's a student loan elephant in the room
Replies: 65
Views: 5868

Re: Buy a house? But there's a student loan elephant in the room

Thanks. I was originally looking for advice on how to deal with buying a house. I don’t appreciate the focus on our low salaries. We both had lower salaries in an academic setting before now. I’m not looking for advice on how to make more money in a different geographical location. We live like resi...
by Dendritic Tree
Thu Feb 01, 2018 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Buy a house? But there's a student loan elephant in the room
Replies: 65
Views: 5868

Re: Buy a house? But there's a student loan elephant in the room

Having not read the responses, your wife's income is very low but even so, it's not clear why you can't pay off more than $100,000 per year in loans. You make $370,000 as it is. And see if your wife wants to buy a home badly enough that she can work more, pick up some extra shifts, etc, to accelera...
by Dendritic Tree
Thu Feb 01, 2018 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Buy a house? But there's a student loan elephant in the room
Replies: 65
Views: 5868

Re: Buy a house? But there's a student loan elephant in the room

DW has not yet refinanced because she was planning on applying for Public Service Loan Forgiveness after 10 years of qualified payments, but just found at that her current job (which she loves and does not want to leave) does not qualify. $112k income and >300k debt does not work - no matter how no...
by Dendritic Tree
Wed Jan 31, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Buy a house? But there's a student loan elephant in the room
Replies: 65
Views: 5868

Re: Buy a house? But there's a student loan elephant in the room

Im not trying to be rude, but why does your wife make only 112k ? i know FM and peds are low paying, but as an APN i make 133k which isn't right. can she pick up EM shifts in the rural part of your state? local tenems? urgent care shifts? admission MD/hospitalist shifts? wound care? for example I r...
by Dendritic Tree
Tue Jan 30, 2018 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Buy a house? But there's a student loan elephant in the room
Replies: 65
Views: 5868

Re: Buy a house? But there's a student loan elephant in the room

Well, it would be simpler if 110k was actually her take home pay. Or if 260k was mine. I would love it if we netted 250k/year. Between taxes, childcare, and retirement contributions, we take home well less than half of our gross pay. And then we pay between 6k-8k/mo in student loans. There’s not muc...
by Dendritic Tree
Tue Jan 30, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Buy a house? But there's a student loan elephant in the room
Replies: 65
Views: 5868

Re: Buy a house? But there's a student loan elephant in the room

Yes, congratulations to you and especially to your wife on tackling a daunting situation and putting yourselves on the right track and headed in the right direction. Sounds like it was a bit of a surprise for both of you that you simply could not get a loan for that house but it sounds like the rej...
by Dendritic Tree
Tue Jan 30, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Buy a house? But there's a student loan elephant in the room
Replies: 65
Views: 5868

[Update] Buy a house? But there's a student loan elephant in the room

OP here with a small update. DW and I agreed to rent for now and pay down loans. We decided to stay in this (very lovely) rental house for a few years or until the PERFECT HOUSE that we must consider buying came along. So I was rounding in the ICU the other day when I got a flurry of texts from DW t...
by Dendritic Tree
Mon Jan 15, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 3814

Re: Are land line phones still being supported?

For all the folks in poor cell reception areas....why not just use 'wifi calling' on their smart phones? Free and digital quality. That’s an easy answer nowadays, but a Microcell is also a viable solution. I had one for years when I lived in a neighborhood with poor cell reception. As long as you h...
by Dendritic Tree
Mon Jan 15, 2018 11:03 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 4910

Re: A "Home" cell phone?

I’ve never had a landline and I don’t really get the point of them. If you’re trying to avoid telemarketers by giving them a landline, don’t you still have to deal with those calls to your landline? If you really want a decoy number you can ignore, why not just give out a fake one? I did live in an ...
by Dendritic Tree
Thu Dec 21, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: iPhone 4 troubleshooting
Replies: 15
Views: 1231

Re: iPhone 4 troubleshooting

My iPhone 4 met the same fate after about 1.75 years. The audio jack trick mentioned above didn’t work for me, though. I actually got some intermittent use out of the earpiece speaker as it was dying for a few days... it would sort of sputter and work on some calls and not on others. I wound up usin...
by Dendritic Tree
Mon Dec 18, 2017 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Synchrony vs Ally
Replies: 49
Views: 9616

Re: Synchrony vs Ally

I used to have my online savings account with Synchrony. I switched to Ally because their website was more user-friendly and outgoing transfers took FOREVER with Synchrony. I have been pretty happy with Ally, though I’m sure both banks would probably meet your needs. Ally is like Apple - “It just wo...
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: 3972

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: 5573

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: 11257

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: 5499

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: 3369

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: 138
Views: 10288

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: 1937

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: 2045

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: 12413

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: 12413

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: 3431

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: 278
Views: 49036

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: 28535

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: 21210

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: 5888

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: 5888

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: 3300

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: 176875

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: 176875

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: 28535

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: 5880

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: 5880

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: 33217

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: 278
Views: 49036

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: 278
Views: 49036

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: 1818

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: 10508

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: 1679

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: 3347
Views: 962434

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: 51
Views: 8649

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: 7310

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: 1559

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: 1559

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...