Search found 102 matches

by TN_Boy
Fri Apr 21, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 99
Views: 8196

Re: Best take it everywhere camera

Most of quote deleted .... The RX100 is decent but the photos came out a bit cold on auto mode for me. Mine also broke after a year so I am not confident on the build quality. It is much more pocketable. An excellent camera but I think it is showing its age personally. I haven't handled the RX100, ...
by TN_Boy
Thu Apr 20, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 99
Views: 8196

Re: Best take it everywhere camera

Quote Tn_Boy "Cool visit to Cuba! Assume these are from the Samsung? I like those pictures, great colors and well composed (I especially like what I assume is a panorama of the Morro Castle) , but they don't sway my opinion that a better camera gets you better pictures. But, the cell phone is ...
by TN_Boy
Thu Apr 20, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 99
Views: 8196

Re: Best take it everywhere camera

As far as I can make out by looking at iPhone7 and iPhone7+ images, I could not see the "intelligent" merge. I see two images; in one the background have been mostly washed out but the faces have more light; the second one has the detail in the background but the faces are now dark. Are t...
by TN_Boy
Wed Apr 19, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 99
Views: 8196

Re: Best take it everywhere camera

I appreciate this discussion very much and I am in learning process. For "do it what I mean", I am thinking that since camera has already determine where the faces are in the picture, it could selectively brighten them up. As a matter of fact, the reason camera went through the HDR troubl...
by TN_Boy
Wed Apr 19, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 99
Views: 8196

Re: Best take it everywhere camera

Please, I know about following, but as I said it is NOT an option, especially when the photographer herself is the better half. Do not bother with the following. All I am asking is that the camera to "simulate" the fill-in flash at pixel level. I am an engineer, so technically I see no re...
by TN_Boy
Wed Apr 19, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 99
Views: 8196

Re: Best take it everywhere camera

Most of quote deleted .... The RX100 is decent but the photos came out a bit cold on auto mode for me. Mine also broke after a year so I am not confident on the build quality. It is much more pocketable. An excellent camera but I think it is showing its age personally. I haven't handled the RX100, ...
by TN_Boy
Mon Apr 17, 2017 8:58 pm
Forum: Investing - Theory, News & General
Topic: Janus Unconstrained, almost three years in...
Replies: 27
Views: 3433

Re: Janus Unconstrained, almost three years in...

Wow. It sounds like the investors who stuck with the PIMCO Total Return Fund and didn't bail, had the last laugh. Those who left PIMCO and went to the new Bill Gross fund at Janus must be feeling pretty stupid right now. I don't know, I wouldn't lose that much sleep knowing my $10K underperformed b...
by TN_Boy
Mon Apr 17, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Help me decide pension benefits, single life, 50%, 75% and/or 100% survival benefits
Replies: 41
Views: 2552

Re: Help me decide pension benefits, single life, 50%, 75% and/or 100% survival benefits

Those calculations based on survival tables are useful for insurance companies and pension funds that insure large numbers of people. Averages can be relied upon for large numbers. But when there are only two people involved, averages mean little. You might expect to have an average life span, but ...
by TN_Boy
Mon Apr 17, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide pension benefits, single life, 50%, 75% and/or 100% survival benefits
Replies: 41
Views: 2552

Re: Help me decide pension benefits, single life, 50%, 75% and/or 100% survival benefits

Agree with those advocating 100% survivor. That is the choice we will make in a few years given very similar options. +1 to the PV calculation - it is nice to know that our choice has the highest probable PV. Also, a friend who retired a few years ago took the default 50% survivor (which could seem...
by TN_Boy
Mon Apr 10, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 99
Views: 8196

Re: Best take it everywhere camera

I'm looking at cameras with 1" sensors for an upcoming Alaska cruise. Don't want to hassle with DLSR and a bunch of lenses. Thinking about the SonyRx10iii, which is weather sealed and has a 24-600mm equivalent zoom. Awfully expensive, though ($1498). The Panasonic FZ1000 is my fall back option...
by TN_Boy
Mon Apr 10, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Require Access to School Records?
Replies: 100
Views: 4096

Re: Require Access to School Records?

The appropriate amount of information for a financially supporting parent to expect to receive from their college student child is midterm grades (if they exist) and final grades in each subject every semester/term. The student should automatically volunteer that information, and really should expl...
by TN_Boy
Thu Mar 30, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 99
Views: 8196

Re: Best take it everywhere camera

Leica Q - The best take it everywhere camera ever! It is quite expensive, however. This is a good example of how every camera has compromises. The Leica (which costs thousands) is indeed compact and can take excellent pictures according to the reviews (it has a full-frame sensor and excellent low l...
by TN_Boy
Wed Mar 29, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 99
Views: 8196

Re: Best take it everywhere camera

I think you guys scared off the OP.. We did kind of go far afield, huh? It would still help to know more about what the OP is looking for in terms of price, size, zoom range, etc. I'm guessing since he mentioned that specific Olympus model he's interested in a waterproof model. Not scared off just ...
by TN_Boy
Wed Mar 29, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 99
Views: 8196

Re: Best take it everywhere camera

Those are some pretty strong claims about DR base performance. Apple is buying its sensors from Sony just like Nikon is, so it's very unlikely the base performance a tiny Sony sensor in an iPhone is as good as the base performance of a Nikon camera with a Sony full-frame sensor. No, it's entirely a...
by TN_Boy
Fri Mar 24, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: How to make my old MacBook to work?
Replies: 20
Views: 1300

Re: How to make my old MacBook to work?

We have a 7 years old Apple MacBook that my spouse bought for their personal use. Spouse didn't use it much and it's been lying around without any one. Even without use, the laptop became slow to use. I'm a blogger and the personal laptop I use is about to die. Before I go and buy a new one, I'm wo...
by TN_Boy
Thu Mar 16, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4791

Re: Fidelity vs. Vangard?

The investment options are pretty similar (several of Fidelity's are nominally very slightly cheaper in terms of the headline expense ratio figure), though Vanguard has an edge in a few categories (e.g. junk bonds, certain muni bond funds), especially if you prefer regular mutual funds to ETFs and ...
by TN_Boy
Tue Mar 14, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 5252

Re: Car engines. Turbo vs no turbo

I trade my 2014 Subaru Forester XT (Turbo, CVT) for a 2017 Acura RDX (V6). Reason: The Turbo and CVT lacked the power and traction to confidently make it up my 17% grade if there was snow or ice on the gravel surface. Maybe snow tire would have helped but chains, according to Subaru, are a no-no. M...
by TN_Boy
Sat Mar 11, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: help with my printer problem
Replies: 30
Views: 1956

Re: help with my printer problem

There is no such thing as a cheap inkjet. They gouge you on the ink cartridges. I think the only reason they charge for the printer at all, rather than strewing them helicopter Ben style, is so people won't see a gift horse and look in it's mouth. yea not an inkjet fan. literally gave my last one a...
by TN_Boy
Sat Mar 11, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Total Annual Expenses
Replies: 57
Views: 4118

Re: Total Annual Expenses

Our total household expenses target is around (preferably below) $30k. How about you? Assumed that taxes are excluded from this expense target. Perhaps, "cost of living expenses" is a more appropriate title. Are you including: - Periodic expenses like buying a new car every ? years? [for ...
by TN_Boy
Sat Mar 04, 2017 2:58 pm
Forum: Investing - Theory, News & General
Topic: How to 'deal' with large swings in withdrawals when using VPW?
Replies: 26
Views: 1854

Re: How to 'deal' with large swings in withdrawals when using VPW?

Re. living to 100: the longevity calculator below tells me a 50-year-old male has a 10% probability of living to 100, and 25% of living to 95. I am quite surprised how high those numbers are. http://visual.ons.gov.uk/how-long-will-my-pension-need-to-last/ I do taxes for seniors in the area. Last we...
by TN_Boy
Fri Mar 03, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for advice with severance pkg - little overwhelmed
Replies: 46
Views: 3513

Re: Looking for advice with severance pkg - little overwhelmed

Why is COBRA a ripoff? It's a lot of money and it's likely more coverage than one needs. $1500-2000/month for my family, for instance. No thanks. I'll echo a couple of other responses to this remark. Cobra is is the same insurance a terminated employee had while working, except they are now paying ...
by TN_Boy
Fri Mar 03, 2017 12:37 pm
Forum: Investing - Theory, News & General
Topic: How to 'deal' with large swings in withdrawals when using VPW?
Replies: 26
Views: 1854

Re: How to 'deal' with large swings in withdrawals when using VPW?

With new medicine people live to 100 regularly if they can afford it. I'd make sure the family appreciated what they received, not expected a fixed increase annually like .gov's inflations expectations. jmho No, with new medicine people do not "regularly" live to 100 no matter how much mo...
by TN_Boy
Sat Feb 11, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Photoshop - what to get?
Replies: 42
Views: 2085

Re: Photoshop - what to get?

I would like to get a photo editing software to touch up some of my old photos. Most of these are old photos (from 50 - 100 years old), and I'd like to do things like get rid of blemishes, digitally patch up tears, etc. Which version of photoshop do I get? There seems to be something called "E...
by TN_Boy
Mon Feb 06, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Do you account for likely life expectancy in retirement?
Replies: 63
Views: 4888

Re: Do you account for likely life expectancy in retirement?

My wife and I are DINKS. We have always made it a point to live below our means. In fact, we have pretty much always been able to live on just one of our incomes. While I plan to stop working in the next couple years my DW plans to work a bit longer and her salary would be sufficient to maintain ou...
by TN_Boy
Tue Jan 31, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Is there a way to scan a really long photo?
Replies: 24
Views: 1831

Re: Is there a way to scan a really long photo?

I disagree with the phone suggestion; any picture you can take with a phone you can take with a high-quality camera and the latter will produce substantially better pictures, even hand-held. What a phone lets you do is close-focus. I have done this many times -- for eBay photos, for example. You ca...
by TN_Boy
Mon Jan 30, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Is there a way to scan a really long photo?
Replies: 24
Views: 1831

Re: Is there a way to scan a really long photo?

Agreed. Find a friend/professional photographer/etc... with an excellent camera and take a lot of pictures. Microsoft has a stitching app (haven't used it in years as I've moved to a Mac) that was pretty cool: photosynth. Light is everything for this. I doubt you will be able to tack it to a wall (...
by TN_Boy
Sun Jan 29, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help with mother-in-law's finances
Replies: 34
Views: 2862

Re: Help with mother-in-law's finances

To the OP, I was curious, how confident are you in saying the annual expenses are 30k, "including - debt." I assume debt means the mortgage, the car loan and the credit card? Because 30k seems pretty spartan, I look at expenses as: - housing -- mortgage/rent, cable, phone, electricity, wa...
by TN_Boy
Sat Jan 28, 2017 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help with mother-in-law's finances
Replies: 34
Views: 2862

Re: Help with mother-in-law's finances

Hope you can help! rest of OP deleted ... Annual expenses: ~$30K including - debt Mortgage: $119K left (28 years to go on 30 year mortgage) Car: $15,500 left (loan through me) Credit card: $3000 (12% interest) To the OP, I was curious, how confident are you in saying the annual expenses are 30k, &q...
by TN_Boy
Thu Jan 26, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Storing pictures on long trips
Replies: 24
Views: 1389

Re: Storing pictures on long trips

I don't use digital cameras. I use my iPhone 6. It automatically integrates across all of my devices. There is never any need for active transfer or organization. Once on wifi, everything syncs. That works if you are content with iPhone quality pictures (many people are, and the latest smart phones...
by TN_Boy
Wed Jan 25, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Storing pictures on long trips
Replies: 24
Views: 1389

Re: Storing pictures on long trips

Just before my last trip I bought a 32Bbyte card for my dSLR. Even in raw mode, that card has room for a couple years of pictures. I don't have a need to store them anywhere else. However, I take a laptop with me on trips and a couple of 1 Tbyte external drives for backups and other things, so if I...
by TN_Boy
Wed Jan 25, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Storing pictures on long trips
Replies: 24
Views: 1389

Re: Storing pictures on long trips

We are about to go to Asia for 2 months. We are not bringing laptops, just iPads. How do folks normally transfer pictures from camera memory cards? I can buy more memory cards to store them, but obviously that is not the cheapest. I guess I can find a place to burn them into CDs or find a hotel com...
by TN_Boy
Sat Dec 10, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 96
Views: 5815

Re: Where do you buy coffee beans?

Costco tends to over-roasted their own coffee beans and produce a burned taste. That's because--with the exception of the few lucky locations that have an in-store roastery--Costco outsources their coffee roasting to Starbucks. And unfortunately, despite decades of experience, Starbucks still has n...
by TN_Boy
Fri Dec 09, 2016 6:09 pm
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 96
Views: 5815

Re: Where do you buy coffee beans?

Am I wrong with the fact there is a big espresso misconception? Espresso doesn't have to be with a dark roast, love mine with a medium roast. Espresso is the process, not the bean. I'm not aware of any misconception, sure espresso can be any roast you like. It's individual preference :happy Persona...
by TN_Boy
Fri Dec 09, 2016 11:11 am
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 96
Views: 5815

Re: Where do you buy coffee beans?

Many roasters roast in large quantities I"m sure. TN_Boy, But, what should I buy from them? I only buy from the coffee roaster that roast at a small batch. I can taste the difference. KlangFool My point is relatively modest; to you, Starbucks beans taste "burned." They do not taste t...
by TN_Boy
Fri Dec 09, 2016 10:19 am
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 96
Views: 5815

Re: Where do you buy coffee beans?

Costco tends to over-roasted their own coffee beans and produce a burned taste. That's because--with the exception of the few lucky locations that have an in-store roastery--Costco outsources their coffee roasting to Starbucks. And unfortunately, despite decades of experience, Starbucks still has n...
by TN_Boy
Fri Dec 09, 2016 9:44 am
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 96
Views: 5815

Re: Where do you buy coffee beans?

Costco tends to over-roasted their own coffee beans and produce a burned taste. That's because--with the exception of the few lucky locations that have an in-store roastery--Costco outsources their coffee roasting to Starbucks. And unfortunately, despite decades of experience, Starbucks still has n...
by TN_Boy
Wed Dec 07, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 114
Views: 7585

Re: Flying Across Atlantic with 98th Percentile 18-Month Child

I assure you an 18 month won't understand/enjoy an international trip. Do the right thing and be considerate of the flying public. Leave him at home with a relative or cancel the trip. Flying is a form of public transit. If you don't want kids around you, I'd suggest you pony up and pay for a chart...
by TN_Boy
Mon Nov 28, 2016 1:56 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 227
Views: 25555

Re: Retreat to cash

Some suggestions for all that cash: FFRHX (FIDELITY FLOATING RATE HIGH INCOME): Seems to thrive in a rising rate environment w/ nice current yield of 3.55%. Good for tax-sheltered accounts I'd say. PFF [iShares S&P US Pref Stock Idx Fnd (ETF)]: yield now at 6.03%, and dividends are taxed at 15%...
by TN_Boy
Wed Nov 23, 2016 8:37 am
Forum: Personal Finance (Not Investing)
Topic: [Should we get a reverse mortgage?]
Replies: 10
Views: 1239

Re: [Should we get a reverse mortgage?]

Thank you all for the warm welcome and for your suggestions in the past 24 hours. I see that I need to give a bit more information which I shall do after we return from the Thanksgiving Holidays next week. Meantime, this is my first experience in a conversation on a Message Board of any kind (excep...
by TN_Boy
Sun Nov 20, 2016 11:00 pm
Forum: Personal Consumer Issues
Topic: linux versus Mac for the average PC user
Replies: 58
Views: 3426

Re: linux versus Mac for the average PC user

For the average PC user I would not recommend Linux. The software that such a user would likely want to run such as Office, Quicken, various games, and for tax preparation simply isn't there. In a home environment, one can easily use LibreOffice as a substitute, or individual programs like Abiword ...
by TN_Boy
Sun Nov 20, 2016 4:05 pm
Forum: Personal Consumer Issues
Topic: linux versus Mac for the average PC user
Replies: 58
Views: 3426

Re: linux versus Mac for the average PC user

For the average PC user I would not recommend Linux. The software that such a user would likely want to run such as Office, Quicken, various games, and for tax preparation simply isn't there. On the other hand, for a more advanced user who has multiple machines adding Linux to the mix is a great th...
by TN_Boy
Sun Nov 20, 2016 4:03 pm
Forum: Personal Consumer Issues
Topic: linux versus Mac for the average PC user
Replies: 58
Views: 3426

Re: linux versus Mac for the average PC user

It depends what you do with the VM. I could run 32-bit VMs on my PC with 4GB. Now when I run 64-bit VMs on the same machine it's horribly slow. I'm not sure why, but the point is that if you don't need 32GB or 64GB now, you'll hopefully need it before you newly-purchased mac dies. For the price you...
by TN_Boy
Sun Nov 20, 2016 10:25 am
Forum: Personal Consumer Issues
Topic: linux versus Mac for the average PC user
Replies: 58
Views: 3426

Re: linux versus Mac for the average PC user

But the drawback is that Linux is more suitable for the more advanced user rather than the average computer consumer. I am a senior who is gradually gaining some degree of computer competency, but I know my limitations. Can anyone provide some input on the advantages versus the disadvantages of eit...
by TN_Boy
Sun Nov 20, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: linux versus Mac for the average PC user
Replies: 58
Views: 3426

Re: linux versus Mac for the average PC user

I have been very happy with my experience with the apple platform. I have heard that the Linux operating system is less susceptible to hackers than the Mac. Unfortunately, Linux is just as big a security mess as macOS. If your main concern is avoiding malware and that sort of thing, I would stick w...
by TN_Boy
Tue Nov 08, 2016 9:14 am
Forum: Investing - Theory, News & General
Topic: S&P500 current (over)valuation
Replies: 34
Views: 4380

Re: S&P500 current (over)valuation

the ratio of nonfinancial market capitalization to GDP is presently [July 2014] about 1.35, versus a pre-bubble historical norm of about 0.55 and an extreme at the 2000 peak of 1.54. This measure is better correlated with actual subsequent market returns than nearly any alternative, as Warren Buffe...
by TN_Boy
Wed Sep 28, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Spouse concerned about buying luxury SUV
Replies: 66
Views: 8914

Re: Spouse concerned about buying luxury SUV

Question to the OP - not comfortable in what way? Versus a sedan, an SUV might have better interior space (especially in the backseat) and better cargo capacity. Some people like the fact that SUVs are higher -- they can see in traffic better. And many people find them easier to get in and out of. ...
by TN_Boy
Wed Sep 28, 2016 11:33 am
Forum: Personal Consumer Issues
Topic: Spouse concerned about buying luxury SUV
Replies: 66
Views: 8914

Re: Spouse concerned about buying luxury SUV

So with the kids driving their own cars, my first question is why do you think you need an SUV? If you're a contractor moving equipment all the time, I'd think you'd own a work truck and utility trailer. If you're just worried that you can't move 2x4's from Home Depot, rent their truck or buy a che...
by TN_Boy
Fri Sep 23, 2016 11:38 am
Forum: Personal Consumer Issues
Topic: Advice on Smoke Detectors
Replies: 14
Views: 1441

Re: Advice on Smoke Detectors

I wouldn't. Also: "The International Association of Fire Fighters (IAFF) – the largest firefighters union in the U.S. and Canada – recommends photoelectric smoke detectors. During their 2008 conference, the IAFF adopted an official position recommending only photoelectric smoke alarms and stat...
by TN_Boy
Thu Sep 15, 2016 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Infosec Tech jobs and quality of life in Raleigh area
Replies: 16
Views: 1891

Re: Infosec Tech jobs and quality of life in Raleigh area

but inferior to cities such as Boca Raton, Naples, or St. Petersburg from an enjoyment perspective (purely in my own opinion). What do you like about Boca, Naples and St. Petersburg? I've driven through St. Pete's beach but haven't had time to explore those areas and would like to eventually. I sup...
by TN_Boy
Wed Sep 14, 2016 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Getting out of upside down car
Replies: 60
Views: 4328

Re: Getting out of upside down car

Follow the collective wisdom of this thread. Consider snow tires if you feel you need them or you notice that the "natives" have them. A key thing to remember is that up north, the towns and counties actually know how to handle snow. A big snowfall up North? Roads are salted in advance, s...

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