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Dendritic Tree

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...

Dendritic Tree

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...

Dendritic Tree

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...

Dendritic Tree

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 ...

Dendritic Tree

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.

Dendritic Tree

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!

Dendritic Tree

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...

Dendritic Tree

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...

Dendritic Tree

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...

Dendritic Tree

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...

Dendritic Tree

Asheville, NC is a mountain paradise and has excellent public schools.

Dendritic Tree

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...

Dendritic Tree

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,

Dendritic Tree

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...

Dendritic Tree

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...

Dendritic Tree

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...

Dendritic Tree

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...

Dendritic Tree

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.

Dendritic Tree

NPR. Usually, All Things Considered or Marketplace syncs up with my commute.

Dendritic Tree

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.

Dendritic Tree

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...

Dendritic Tree

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...

Dendritic Tree

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...

Dendritic Tree

Agree with Falling Water and Ohiopyle

Dendritic Tree

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...

Dendritic Tree

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.

Dendritic Tree

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...

Dendritic Tree

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...

Dendritic Tree

They still make CDs? I think I bought my last one in 2006.

Dendritic Tree

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...

Dendritic Tree

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 ...

Dendritic Tree

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.

Dendritic Tree

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...

Dendritic Tree

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!

Dendritic Tree

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...

Dendritic Tree

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.

Dendritic Tree

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...

Dendritic Tree

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.

Dendritic Tree

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 for a 501...

Dendritic Tree

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...

Dendritic Tree

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!

Dendritic Tree

Duplicate post

Dendritic Tree

Ally Savings for emergency fund.

USAA for everything else - it's my online digital financial hub, with all other investment and loan accounts linked to my USAA web page.

Dendritic Tree

Unlike gasoline cars, electric cars are able to take advantage of free level 2 charging at various places around town. Usually this isn't enough to really bank on because you still do the majority of your charging in your garage, but it is a benefit. I happen to have multiple free public chargers wi...

Dendritic Tree

Safety deposit boxes seem so twentieth-century. You can get new copies of all the most important documents, and digital redundancy is better achieved through local backups and multiple cloud backups. And keeping valuable investments out of the financial growth cycle seems very un-Bogleheadish. This ...

Dendritic Tree

Congratulations! I'm incredibly jealous and hope to be in your position one of these years. When that day comes, I'm going to have a nice party and then start plowing all that extra money into VTSAX in taxable, just like you suggest. I'll have to start sharply adjusting the proportion of bond funds ...

Dendritic Tree

I second the comment about the Nissan Leaf. I don't own one but I know several people who do and they're all happy with it. Obviously it's not practical for road trips. The newer ones get about 100 miles a charge, but the batteries do slightly degrade over time so I would conservatively plan on no m...

Dendritic Tree

Well, I'm honored. Jim, your blog started me on the path of financial awakening and led me to Bogleheads while I was still in fellowship training. To answer a few other points: - DW does see a salary increase in the near future, though family medicine is just among the lower-compensated specialties,...

Dendritic Tree

I've learned a lot from the Bogleheads over the last year or two since discovering the site (and waking up as an investor). My wife and I are both physicians who recently finished training (2 years ago for family doc DW; 6 months ago for neurologist me). As such, we have an unbelievable mountain of ...

Dendritic Tree

I bought 10 shares of TSLA in June 2013. I think it was around $100/share at the time. This before I knew the ways of Bogle. It still remains the only single stock I've ever owned. My position is now worth just over $2500. At this point it's just a curiosity more than anything else. We'll see where ...

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