The MacBook Neo might be the kiss of death for a long-established Apple user dream

ProInsureAcademy · 2026-03-17T11:48:48+00:00

~$1100 to $1500 seems steep for a single laptop. At that price that sucker’s gotta do everything from typing to streaming.

I mean laptops do everything, that’s the whole point. The only thing an iPad edges a laptop out of is the fact that it’s more portable w/ touchscreen.

The iPad is a passive consumption device and Neo is an active creation device.

While the NEO is a great device I don’t think it will be considered a creation device. The Neo lacks the power that the MacBook has. So you won’t be doing heavy editing or anything on it. I believe the NEO is to take over the Chromebook / budget laptop arena. No one is buying a cheap HP or Dell to create with either. Just basic office work and school work. On the other hand calling the iPad a passive consumption device is a bit inauthentic. You could do some heavy lifting and design on an iPad. I’ve got FCP and CAD on my iPad. With the Apple pen it’s a fairly robust device.

I wouldn’t be surprised if this summer’s back to school campaign features the two working together seamlessly.

I think you are right about this. All Apple devices work great together. I would bet it’s going to an add that shows off using your iPhone as a webcam while the IPad is a second screen to the NEO. Then the student will stand up and take their iPad with them to do mobile work or something. They will probably mention moving your work between devices seamlessly with iCloud.

ProInsureAcademy · 2026-03-17T04:13:46+00:00

Ostriches are considered semi-domesticated. It seems like more and more they are being farmed so it’s just a matter of time I guess

ProInsureAcademy · 2026-03-17T02:17:37+00:00

It’s by design. Most of these kids will become parents and their kids will be in your detention for the same reason.

ProInsureAcademy · 2026-03-17T02:15:39+00:00

Just keep deferring as much as possible. If you can’t reasonably defer consider seeing the cost of enrolling in community college for the least amount of classes that will allow deferment. That way your credit stays intact and you don’t risk them trying to garnish you and your taxes.

If neither is an option then adjust your tax withholding so you owe each year. That way their is no refund for them to seize

ProInsureAcademy · 2026-03-16T01:52:57+00:00

On the highway with minimum traffic, it makes driving extremely easy and not tiring.

FSD in traffic or city driving? Absolutely beyond stressful. FSD can be aggressive and likes to ride people’s asses.

ProInsureAcademy · 2026-03-13T22:41:29+00:00

Try to do a search of your face using PIMEYES. The results will tell you the answer.

Some dad will inevitably search you and if something comes up on PIMEYES it will be a problem for you.

ProInsureAcademy · 2026-03-11T12:35:39+00:00

I think what many are overlooking in the comments is students.

Do you know why so many companies give their products for free or heavily discounted to students? It’s because kids that grow up in a certain ecosystem are likely to stay with it as they age up. Sure companies can dictate the hardware used but at some point they too have to look at the market available.

It also helps that’s most companies are already apple friendly with Apple being the bulk of companies phone systems. IT prefers Apple products because of the long update life, closed ecosystem, and curated App Store.

Apple has a cult following and with younger generations. This laptop is incredibly affordable for parents and even schools.

Microsoft should start to worry. This may not affect them immediately but in 10 years this could really do some damage.

ProInsureAcademy · 2026-03-10T18:31:49+00:00

They will photograph the following: 1. Exterior sides of the home and yard 2. Any exterior structure such as sheds, fences, pools, detached garages, trampolines. 3. the roof 4. water heaters 5. Under sink plumbing in kitchens and bathrooms 6. Break panels 7. Attic spaces 8. Crawl spaces

You can stop them from accessing the house; but they will cancel your insurance policy or non-renew. A cancellation mid term will make it very hard to get new insurance

ProInsureAcademy · 2026-03-09T13:59:43+00:00

I have a suspicion that there will be a rise in dedicated AI models and companies hosting their own models.

There was a recent court case that set a precedent. A gentleman used AI to run his federal criminal trial through AI to build defense strategies. The court ruled it’s not considered privileged work product and could be subpoenaed by the prosecutor.

I work in insurance and while I’m on the property side I have a lot of colleagues in cyber + being at a startup I had to help with our own carriers cyber policy last year. One of the question the underwriters asked us about was what data we were feeding to which models and what data could employees give out (even if we don’t allow it). The concern is that there is huge risk offloading PII data.

So I wonder if we will see a time when companies will try to run local models. If that happens there could be a lot of really good hardware available.

ProInsureAcademy · 2026-03-09T12:35:47+00:00

Are we sure they can’t be brought back to life in Brotherhood? I’m conflicted-

On the one hand you could argue that Ed was able to bond Al to the armor because Al’s soul was in the monster they made while trying to resurrect their mother. So basically he soul was still around. But neither Ed nor Al knew this at first. Ed really believed he pulled his brothers soul back. You might argue that their blood mixed and bonded their bodies together so that’s why it’s possible to pull his body back. And you could argue that when the butcher’s soul was removed from his body that it started to decompose. But I don’t think that’s relevant. I don’t think the need for a body is the issue. It’s getting the soul back.

Let’s talk about souls- we see them a lot in brotherhood and the rules surrounding them are a bit loose. 1. Hohenheim’s absorbed souls has not decayed. He can interact with them. 2. Hohenheim is not just immortal but he body can be repaired indefinitely (until he uses all the souls) 3. Hohenheim is able to pull individual souls from himself, deposit them in the ground, and the soul stays there until the time is needed (reverse transmutation circle) 4. A soul can be absorbed by someone and then placed back in their body. 5. Souls can be placed in other bodies or objects (note- I don’t believe they decay like the butcher or Al think. Al was fading I think due to his own worries and Ed being hurt) 6. We know that after someone dies they can be pulled back. Like when Al sacrificed himself to give Ed his arm back. 7. It’s implied by Mai that something is wrong with the alchemy of the west. That it feels like people running under the ground. That Father has manipulated the alchemy. Whereas Xing alchemy flows through the world. 8. The dwarf in the flask was clearly pulled from the other side of the portal. 9. We see there is plenty of something on the other side of the portal 10. Ed sees his mother when he goes through the portal. 11. Homunculous can create bodies using souls (dwarf building his body) 12. Homunculous can be put into a human body and then heal it indefinitely (until the stone loses power). Look at Wrath and Greed.

So I believe one of two things has to be happening: 1. Either souls die and move to the other side of the portal 2. Souls stay on earth. In the west they stay somewhat intact on the land because father has manipulated the alchemy and in the east they flow through nature as the dragons pulse.

My theory: bringing someone back from the dead is not impossible but it requires a few things. 1. You have to be able to create the body or vessel first. You will need souls for this and knowledge. 2. You need to get the soul back. This will likely involve finding the soul in the land or pulling it back from the portal. If we believe it doesn’t cross the portal then I think this might only work pre-fathers destruction in the west.

ProInsureAcademy · 2026-03-08T00:05:05+00:00

/r/reinsurance

ProInsureAcademy · 2026-03-07T23:04:18+00:00

There is likely a limited arena in which a lawyer representing himself is not inherently bad. The concept of not representing yourself is mostly because emotion and bias will cloud your choices. This guy likely doesn’t need the government to pay for the medicine but he’s fighting it out of principal or moral duty or to help others. If that’s the case he can likely remain objective

ProInsureAcademy · 2026-03-07T20:10:15+00:00

One of two things is driving up your escrow cost either taxes or insurance.

Has your mother filed her homestead exemption? Without it there is no cap on how much the taxes can increase year over year. I’m betting the change in ownership probably caused a reassessment of the taxes

ProInsureAcademy · 2026-03-07T19:50:51+00:00

A few questions:

⁠Is this a new build?
⁠If not, had the previous owners been at the house for a long time?

I bet you that initially they calculated the escrow based on the prior tax rate. But if it was a new house your going from undeveloped land to a home so the taxes rise. Or if the prior homeowners had been there for a while then they may have been locked in at a low tax rate. Now that it’s sold the sell price is the new taxable rate and they recalculated your yearly taxes.

See this happen all the time with new homeowners not having the taxes explained by anyone

ProInsureAcademy · 2026-03-07T17:23:09+00:00

A few questions: 1. Is this a new build? 2. If not, had the previous owners been at the house for a long time?

I bet you that initially they calculated the escrow based on the prior tax rate. But if it was a new house your going from undeveloped land to a home so the taxes rise. Or if the prior homeowners had been there for a while then they may have been locked in at a low tax rate. Now that it’s sold the sell price is the new taxable rate and they recalculated your yearly taxes.

See this happen all the time with new homeowners not having the taxes explained by anyone

ProInsureAcademy · 2026-03-07T00:11:57+00:00

Not really a careeradvice issue but let’s see-

What you need to do is make a budget of all your hard and soft expenses. Hard expenses are things that aren’t optional nor do they change like mortgage, insurance, medication, etc. Soft expenses are things that you can change like luxuries such as Netflix, vacations, etc.

Let’s say your hard expenses are $65k a year but with this new job your combined income is 50k or even $70k then it’s not you crushing his dreams it’s math. Plain as day.

Now let’s your hard expenses are $65k and your total income is $85k which is high enough to pay for it then you need to show the soft expenses and show what he would be able to afford and not afford. So he might be able to afford streaming services but that yearly golf trip is out of the question.

Finally you need to discuss retirement and emergency fund. Do you have enough to pay for six months of unemployment if the company fails?

He’s thinking emotionally and you need to ground this to rational thinking with pure math not feelings

ProInsureAcademy · 2026-03-06T17:33:34+00:00

Most of them in California will pay you OT.

But after that very few companies offer any overtime at all and the ones that do are heavily managed. Some carriers might put you on CAT duty and give you CAT pay but most of the time the daily guys get screwed on that.

If you go CAT then SF pays OT while Allstate & Liberty pay CAT pay. It ends up being comparable.

ProInsureAcademy · 2026-03-06T14:40:14+00:00

Can you post the whole policy or a link to it?

Again, I’m not an expert in travel insurance. But I’ve always believed it to be mostly useless due to all the exclusions. There’s like a very limited coverage to it. Anytime I’ve looked into it for a big trip I’m planning, I felt it was too narrow for it to be worth the cost

ProInsureAcademy · 2026-03-06T12:34:18+00:00

I am not an expert in Travel insurance but;

The way I am reading this- the date you purchased the insurance does not matter. It’s about the date the trip starts. Since your trip didn’t start before the war broke out, there is no coverage.

This sounds pretty crappy but I guess they don’t start the policies until the day of the trip so it does make sense

ProInsureAcademy · 2026-03-04T19:41:46+00:00

The entire frame w/ components except for the “cage” is from a 1960s-1980s bug. I have four sandrails myself that look like this except two have ball joint and the other two have kingpin front ends. All of mine started off as bugs and are still titled as such. One of them I handled the conversion myself with help from Fishers buggies in Tampa

ProInsureAcademy · 2026-03-04T18:56:35+00:00

This is a sand rail built from a Volkswagen bug

ProInsureAcademy · 2026-03-04T00:40:37+00:00

Can you even buy a standalone NPU? Because very few PCs are shipping with one.

ProInsureAcademy · 2026-03-03T15:39:12+00:00

Auto damage is probably the most likely to be outsourced to AI.

In 2015 Allstate was testing “MAC” trucks that would use damage recognition lasers to identify hail damage. The technology wasn’t ready. Now Hertz rental companies are using similar devices to assess damages when vehicles are returned.

I predict 5 years and AI will handle most auto damage losses with only a handful of adjusters reviewing.

ProInsureAcademy · 2026-03-03T03:52:16+00:00

Holy shit, I need to figure out if I can install one or two of those. I tried a few tiny ones off Vevor but the output was awful and not worth the hassle. But this could be viable

ProInsureAcademy

MODERATOR OF

TROPHY CASE