Search found 219 matches

by Exterous
Sat Oct 13, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5143

Re: Failed hard drive(?) data recovery

The debate between NAS and offline isn't an either\or situation. If the data is critical it should be a 'both' situation. Personally I have a NAS that is always on for backups. This gives me frequent, automated backups on a device with multiple drives for data redundancy (Because drives fail - somet...
by Exterous
Wed Oct 10, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5143

Re: Failed hard drive(?) data recovery

Is there an app that will run backups on folders you select at intervals you select to locations you select? :?: Seems like some things I might want to back up frequently, locally and others less often to remote storage. One Ping False frugality. I use FreefileSync to run nightly backups to my NAS;...
by Exterous
Tue Oct 09, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5143

Re: Failed hard drive(?) data recovery

I use a homebrew setup with a couple of scripts I wrote. One backups up locally daily. The other encrypts my files and uploads to OneDrive. I hate to pay monthly fees if I don't have to. Is there an app that will run backups on folders you select at intervals you select to locations you select? :?:...
by Exterous
Sat Oct 06, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5143

Re: Failed hard drive(?) data recovery

256gb Solid state drive is small. go bigger! 256 is barely big enough for the OS, with not much space left over for swap/paging. 512gb is better. Uh...Windows 10 takes less than 30GB so 256 is quite a bit beyond 'barely big enough'. I have a Win 10 desktop with "only" a 256 SSD and find it plenty b...
by Exterous
Tue Sep 11, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: New Job (1st Management Role)
Replies: 30
Views: 3027

Re: New Job (1st Management Role)

So different field (IT) but started from a similar work responsibility position. I had no direct reports and my projects were mine to direct, having near complete autonomy to complete as I saw fit because of my record of success. This meant a lot of flexibility in project selection and schedule and ...
by Exterous
Sat Sep 08, 2018 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Careers - From IT to Police Officer
Replies: 37
Views: 4313

Re: Switching Careers - From IT to Police Officer

One of my friends is a volunteer police officer. Not sure if they have those around you but it might be a good way to get a taste of what it would be like. You may also want to consider what company you are doing IT work for. At this point IT work is a pretty universal need so you can make plenty of...
by Exterous
Sat Sep 08, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 155
Views: 16781

Re: Your Favorite [Travel Destination] on Earth: Where and Why?

Might be some recency bias but South Island New Zealand for me. So much beauty and without the crowds that we've found elsewhere (even though they do have a growing problem with that) Budapest would be second. Great architecture, culture and food and very affordable. That said so many amazing places...
by Exterous
Sat Sep 08, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Hilton Honors
Replies: 15
Views: 2030

Re: Hilton Honors

Ever try to plan a vacation 1 year in advance? Heh I have actually planned two over a year in advance. Both were cruises and you can start booking those about 1.5 years out. Some ships have some rooms that are better than others in the same class so booking early can be a very good idea. I've also ...
by Exterous
Fri Sep 07, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Hilton Honors
Replies: 15
Views: 2030

Re: Hilton Honors

I agree with Lindyhopper - If you just look at point redemption then Hilton doesn't look very good. But if you combine that with point earning then Hilton starts to look a whole heck of a lot better. Their promotions are often better too. Combining the near constant promotions with one of the cards ...
by Exterous
Wed Sep 05, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6961

Re: Walmart is not Amazon

Wait until people find out that Amazon is selling a lot of counterfeit merchandise, even if you choose "Ships and sold by Amazon". It's become a *huge* problem. Amazon takes all 3rd party merchandise and mixes it with their own merchandise. So while something is "Shipped and sold by Amazon" it coul...
by Exterous
Thu Aug 30, 2018 8:00 am
Forum: Personal Finance (Not Investing)
Topic: What is your stealth way to save monthly?
Replies: 87
Views: 9905

Re: What is your stealth way to save monthly?

The trick is to LBYM. Saving $10 on your cellphone plan a month and diverting it may feel nice but it doesn’t affect anything in the long run. Here’s the proper way to look at it IMO. Say you make $10,000 a month with a goal of saving $2000. You are currently only able to save $1000/mo which means ...
by Exterous
Wed Aug 29, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: Local community is offering a class on Saving for Retirement
Replies: 11
Views: 570

Re: Local community is offering a class on Saving for Retirement

Instead of spending the $25 on the class, why not spend it on a copy of the Bogleheads’ Guide to Investing? :D ) Right - sorry this wasn't so much of a "I am looking for investment advice" but a "I am curious how good the investment advice being provided is." and if there is anything involving a lo...
by Exterous
Wed Aug 29, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: Local community is offering a class on Saving for Retirement
Replies: 11
Views: 570

Local community is offering a class on Saving for Retirement

The area I live in sent out their Fall 2018 Community Education brochure. In it there is a "Roadmap to Retirement" class. "Ever wonder how much you should be saving for retirement or what investments to select for your 401k?" "Understand how to invest properly to maximize growth and minimize risk" T...
by Exterous
Sat Aug 04, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 10315

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

You only asked about medical evacuation but you both are of Medicare age. Medicare does NOT cover outside the US although I understand there may be some limited coverage under some plans. You can buy medical travel insurance for a small amount of money. This will include evacuation also. What you r...
by Exterous
Sat Aug 04, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 10315

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

You only asked about medical evacuation but you both are of Medicare age. Medicare does NOT cover outside the US although I understand there may be some limited coverage under some plans. You can buy medical travel insurance for a small amount of money. This will include evacuation also. What you r...
by Exterous
Mon Jul 30, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve travel insurance
Replies: 33
Views: 3737

Re: Chase Sapphire Reserve travel insurance

I've used them 4 times over the past 5 years or so: 2 Luggage delay related claims 2 flight cancellations due to weather The first luggage claim was a PITA because I had to consistently follow up and finally get a supervisor at the insurance company involved. They did eventually pay out. The other l...
by Exterous
Thu Jul 19, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 57610

Re: Flaunt Your High-Mileage Car

Exterous wrote:
Fri Dec 09, 2016 10:18 am
Current vehicles:
2005 Honda Civic 225k
2008 Audi TT 190k
2011 Honda Civic 80k
Started having a few issues with the 05 Civic so I replaced it with a Camry so my average mileage dropped quite a bit
2008 Audi TT 195k
2011 Honda Civic 98k
2013 Toyota Camry Hybrid 43k
by Exterous
Wed Jul 18, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Europe travel Qs [Questions]
Replies: 63
Views: 3918

Re: Europe travel Qs

Going shortly on a leisure trip with our family of 5, to France (Paris and Strasbourg) and Germany (Munich), with possible side-trip to Salzburg, Austria. First time to Europe for me in many years. Qs: 1) Cash - Will probably take at least 2 different Visa credit cards. I figure we'll want some pap...
by Exterous
Mon Jul 02, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 5226

Re: Retiring in Michigan (Ann Arbor)

Ann Arbor is a great city as long as you don't mind some of the quirks of a big college town and the weather. ~40,000 people move in in September and then back out in May. Going downtown to a bar or restaurant can be tough on the weekends during the school year, particularly if its a football weeken...
by Exterous
Sun Jun 24, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12937

Re: When did you start flying business class?

For a short time we flew sales to Europe in business class but then economy fares started hitting $300-400 per person, round trip. I can also often find routings with some better than average coach seats like row 45 on Lufthansa's 747-8. There are also some relatively frequent $2,000-2500 RT flight...
by Exterous
Sat Jun 23, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12937

Re: When did you start flying business class?

For a short time we flew sales to Europe in business class but then economy fares started hitting $300-400 per person, round trip. I can also often find routings with some better than average coach seats like row 45 on Lufthansa's 747-8. There are also some relatively frequent $2,000-2500 RT flights...
by Exterous
Mon Jun 11, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 7048

Re: Need advice on 1st international vacation

A quick suggestion - make sure you have a card that does Chip and PIN not just Chip and Signature. While there are a very few US credit cards that offer PIN as an option (Like the Barclays Arrival) for most people that means taking their ATM card. While its usually not an issue we have encountered a...
by Exterous
Mon May 28, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Using Air Miles and Paying Fees and Taxes
Replies: 29
Views: 2090

Re: Using Air Miles and Paying Fees and Taxes

My advice for using frequent flyer miles for travel to Europe: 1. Avoid London airports. 2. Avoid British Airways. I flew from the US to Madrid (and back) a few weeks ago using United frequent flyer miles, and the taxes and fees were less than $100. Did you fly United, or use United awards for a di...
by Exterous
Wed May 09, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Rental Cars:National, Budget, Alamo or Thrifty
Replies: 33
Views: 2014

Re: Rental Cars:National, Budget, Alamo or Thrifty

I don’t consider National second tier. I wish they were; usually they are more expensive than Hertz or Avis. Check this recent thread for recent discussion on choosing among rental companies: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=248682&p=3913128#p3912034 And use autoslash.com to se...
by Exterous
Thu Apr 26, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Hotel rewards programs
Replies: 45
Views: 4389

Re: Hotel rewards programs

Which ones are useful will depend a bit on where you travel and how you travel. If you're traveling to popular cities in the US, Caribbean or Europe point values are likely to be quite high compared to nightly rates so your ROI is low. Asia, Oceania or Africa are easier to find good values although ...
by Exterous
Fri Apr 20, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 156
Views: 45147

Re: Is the first 100k really the hardest?

It would be interesting to see what the 2015 posters feel about whether the last couple of years were easier. Although the strong market probably helps the "yes" decision For me the money is growing faster but it doesn't seem mentally easier after the baseline habits were established. The multi-deca...
by Exterous
Fri Apr 20, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 17759

Re: BH travel tips?

I would love to travel with no check in baggage. But how? There is the whole liquids thing issue - so I end up checking one bag that I could do without. I can see using substitute bottles for a weekend, but what about longer trips when you're going to places that are unlikely to have some of the pr...
by Exterous
Fri Apr 20, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: How to pay for travel? Redeem CC points vs cash vs apply for new card?
Replies: 10
Views: 1288

Re: How to pay for travel? Redeem CC points vs cash vs apply for new card?

A potential consideration on #1 or #3 would be travel insurance included with many travel related credit cards like your Chase Sapphire. I tend to put all my airline tickets on a card with travel insurance since that is where we encounter the majority of travel issues.
by Exterous
Tue Apr 17, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 17759

Re: BH travel tips?

I go to Europe or Latin America twice a year, and I always check a 50 pound suitcase with enough clothing for two weeks. I try to carry on as little as possible. After I take my seat on the aircraft, I amuse myself by watching all those folks with the oversized backpacks trying to squeeze them into...
by Exterous
Tue Apr 17, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 17759

Re: BH travel tips?

Navigation while walking has been possible with google maps and GPS for years. If you want directions while walking then you'll either need data, use the driving directions which may or may not be the best option, or a different app. Most folks are going to assume navigation on a cell phone app is ...
by Exterous
Sun Apr 15, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Recommend airline luggage fitting in overhead bin?
Replies: 31
Views: 3626

Re: Recommend airline luggage fitting in overhead bin?

First of all: you don't want a four wheel spinner. They are junk, and the wheels are garbage. That seems awfully presumptuous. I'm quite happy with my 4 wheel spinners which have done miles of travel over cobblestone roads without issue. It would perhaps be more useful to illustrate the pros and co...
by Exterous
Sun Apr 15, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: Recommend airline luggage fitting in overhead bin?
Replies: 31
Views: 3626

Re: Recommend airline luggage fitting in overhead bin?

Luggage that comes in around the standard carry on luggage dimensions won't work on: Bombadier CRJ200, 700 and 900 Embraer 145 They do work on pretty much anything else including the Embraer 170, 175 and 190 (Assuming the overheads aren't already full of someone else's luggage) Even if you get a sui...
by Exterous
Sun Apr 15, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 17759

Re: BH travel tips?

-GPS works just fine without cell service. -Download Google maps ahead of time for cell-less navigation Unless something has changed very recently Google Maps *walking* navigation requires data service, downloading the maps in advance does not resolve this issue. There are other apps that provide w...
by Exterous
Sun Apr 15, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 17759

Re: BH travel tips?

-Look at the public transportation options where you'll be visiting. It will usually be cheaper than driving or a cab and can often be faster. Google maps does a great job with public transportation time tables too if you have service. We'll frequently book hotels near train or metro stops which mak...
by Exterous
Mon Mar 05, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: AmEx Delta Gold is now Honoring Bonus
Replies: 87
Views: 10844

Re: AmEx Delta Gold Not Honoring Bonus

The customer support person doesn't know for sure, but says I applied for the card a couple of years ago, which I did . I had the card a couple of months. I didn't get a miles bonus then. Moreover, there's nothing in the language of the application or terms/conditions that states you can't apply ag...
by Exterous
Mon Mar 05, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: New Zealand - Bucket list trip
Replies: 34
Views: 3775

Re: New Zealand - Bucket list trip

We made the trip in January so I'll throw in my $0.02 which matches some of the other recommendations. -If you can, do Doubtful Sound. The weather is very unpredictable in this area and rain can move in and out quickly. Doing the longer Doubtful Sound cruise will increase your chances of good weathe...
by Exterous
Mon Feb 12, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Driving a rental car in Western Europe
Replies: 46
Views: 2105

Re: Driving a rental car in Western Europe

4. Listen to the local radio! Save your own music and podcasts for the plane flight. You're there to experience another culture, and this is a fun way to do it. We try to do that but its been our experience that american music dominates the airwaves so finding local music is difficult. We can get s...
by Exterous
Mon Feb 12, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Driving a rental car in Western Europe
Replies: 46
Views: 2105

Re: Driving a rental car in Western Europe

When driving between countries in a rental car you may need to make additional stops to purchase required passes or equipment. For example you need an Vignette (Toll) pass in Austria which you won't get if you rent your car in Germany. You also need a reflective safety vest which may or may not be i...
by Exterous
Sun Feb 11, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 77
Views: 7644

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

It does seem like easy to get to warm spots are noticeably more expensive these days. I blame a good economy but not the worst problem to have. Its worth it for us although we're looking at going to less popular spots due to the increased costs Just to add....if you have airline miles with the airli...
by Exterous
Wed Jan 31, 2018 8:54 pm
Forum: Investing - Theory, News & General
Topic: 401k millionaires
Replies: 158
Views: 26735

Re: 401k millionaires

I wonder what percentage of people with access to a 401k are maxing it out though? It's got to be low single digits. According to to Vanguard , in 401(k)s administered by it: Maximum contributors During 2016, only 10% of participants saved the statutory maximum dollar amount of $18,000 ($24,000 for...
by Exterous
Tue Jan 30, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Best TurboTax (or other) offering for a filer with an sole proprietorship LLC?
Replies: 5
Views: 496

Re: Best TurboTax (or other) offering for a filer with an sole proprietorship LLC?

I've used turbo tax deluxe for the last couple of years for my sole proprietor llc without issue. (not the online version which apparently has less options for some reason). Admittedly it's a fairly straightforward tax situation - all schedule c, small home office, milage deductions, no inventory an...
by Exterous
Mon Oct 23, 2017 5:15 pm
Forum: Investing - Theory, News & General
Topic: TIAA Trouble [NY Times: TIAA pushes clients to high fee products]
Replies: 50
Views: 6253

Re: TIAA Trouble [NY Times: TIAA pushes clients to high fee products]

Interesting. This matches my anecdotal experience when I first started at a place a little less than 3 years ago that offered TIAA. During new employee orientation a TIAA rep was there to answer questions. I came up to him and wanted to talk about their index fund options. He couldn't have been more...
by Exterous
Sat Oct 21, 2017 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 249
Views: 36983

Re: Does anyone here with net worths north of $1 mil use financial advisors?

I use a AUM manager. My parents used him so he didn't charge me anything until I hit $50,000. Even now it's 'only' 0.67% on everything above that. About 1/3 of my money is with him and while I don't see that money changing anytime soon all new money goes into index funds. He's become a close family ...
by Exterous
Sat Oct 21, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Do you worry about linking external accounts?
Replies: 6
Views: 1253

Re: Do you worry about linking external accounts?

Link for online bill pay? Sure.

Provide actual login in information? Not a chance. I'd rather manually something than provide my credentials to a service that would automate it. Too many companies suck at security.
by Exterous
Sat Oct 21, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 10132

Re: How many miles/years do you keep your car?

I always buy used, low mileage cars and try to get a model near the end of that generation. Most of the bugs are ironed out and there is already an established parts market. Popular models help since it makes parts and service even easier. I was able to find a replacement cluster and ac fan for my 0...
by Exterous
Fri Oct 20, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 158
Views: 18649

Re: anyone else not liking the new cars?

Would love to see the opinions of the Toyota/Lexus grille based on age group and car enthusiast. My take is that the younger crowd will like the grille. I really like the look of the new Camry as I think they mad is sportier looking upfront. My wife and I are 34 and hate the look of the 2014-2018 s...
by Exterous
Fri Oct 20, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Visiting the Great Barrier Reef
Replies: 20
Views: 1753

Re: Visiting the Great Barrier Reef

You really need to get out of the 'day trip' areas of the reef to really see it as the currently better preserved areas are farther off the coast. And a lot of the 'day trip' ones cater to the casual diver who is more looking to check the GBR off their bucket list. That said you can still have a gre...
by Exterous
Mon Oct 16, 2017 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Personal milestone (And a thanks)
Replies: 6
Views: 1845

Re: Personal milestone (And a thanks)

Smart decision to enjoy life NOW too. Some people save for retirement and never live long enough to enjoy it or their health declines. I am a big saver but lately I have also been trying to spend a little bit of money to enjoy things now. Thanks for sharing and best of luck! :sharebeer Yeah a good ...
by Exterous
Sat Oct 14, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!
Replies: 26
Views: 2552

Re: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!

Our Citi Costco Visa card has Travel Insurance for up to $3,000 per person (air tickets). I am assuming if we have to cancel our trip due to illness of one family member. Also covers CDW (collision damage waiver and theft up to $50,000). No personal insurance though. Our Chase Freedom Visa has some...
by Exterous
Fri Oct 13, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Personal milestone (And a thanks)
Replies: 6
Views: 1845

Personal milestone (And a thanks)

Getting to the two comma club early this year didn't have as much of an impact on my feelings compared to my recent promotion. I think thats partly because I know that a change in the market can quickly move me out of that club whereas my particular job is more stable. Anyway the milestone is not so...