Search found 61 matches

by Mr-et-Mrs-R
Thu Oct 01, 2020 8:59 am
Forum: Investing - Theory, News & General
Topic: What do Bogleheads think of what happen to Japan?
Replies: 66
Views: 5611

Re: What do Bogleheads think of what happen to Japan?

Japan has always been an interesting country to me, in as much that I studied and earned my undergraduate degree in Japanese Political Science and was in Japan following interviewing politicians around in the 1992 election (first election that the LDP lost it's majority in the Diet since forever). T...
by Mr-et-Mrs-R
Sun Sep 27, 2020 3:20 pm
Forum: Personal Consumer Issues
Topic: DSLR camera improvement suggestions
Replies: 81
Views: 3647

Re: DSLR camera improvement suggestions

There is an old photographer's saying, the best camera you have is the camera that you have with you. For disclosure, my mother was a professional photographer, and I learned at her knee so to speak. When I married Mrs. R, I tried teaching her what I knew from my mother. That Did Not Work so well. T...
by Mr-et-Mrs-R
Fri Sep 25, 2020 6:39 am
Forum: Personal Consumer Issues
Topic: Synology NAS -> DS220J, DS420j, DS418
Replies: 38
Views: 2044

Re: Synology NAS -> DS220J, DS420j, DS418

We have a DS1513+, and over the years it's been great. Run in RAID-5, five drives, maybe two failures of drives over four years. About once a year I'll shut it down and deep clean the unit. Once a month I will run a full backup of the drives (and I have practice a restore as well, so I know that wor...
by Mr-et-Mrs-R
Thu Aug 27, 2020 7:18 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 434
Views: 32034

Re: What is the best concert you ever witnessed?

In Late 80s, start of the 90s, while I was in college, I worked as a stagehand, security, and gofer for any concert with in 200 miles of Pittsburgh. I saw (heard? I was working after all) everything that came by, from the guys who could fill a stadium to the close intimate shows that filled a backro...
by Mr-et-Mrs-R
Tue Aug 18, 2020 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Affordability Check
Replies: 10
Views: 1391

Re: Mortgage Affordability Check

If you enjoy your current location, an option that might be do-able is rent an apartment for three to six months and remodel your existing home.
by Mr-et-Mrs-R
Tue Aug 11, 2020 3:46 pm
Forum: Personal Consumer Issues
Topic: Herman Miller Aeron chair
Replies: 64
Views: 5089

Re: Herman Miller Aeron chair

Check Craigslist for deals- usually around $500 here.
by Mr-et-Mrs-R
Sat Aug 08, 2020 6:42 am
Forum: Personal Consumer Issues
Topic: Home Pistol Safe (And What To Put In It)
Replies: 45
Views: 3096

Re: Best Handgun Storage for Home Defense

Jump on to YouTube and watch the loc-picking lawyer review gun safes and gun locks.
https://www.youtube.com/channel/UCm9K6r ... igLoZOh6FQ

At minimum you will know which brands to avoid.
by Mr-et-Mrs-R
Wed Jul 29, 2020 10:21 am
Forum: Personal Consumer Issues
Topic: Need to destroy old external Hard Drives
Replies: 103
Views: 5639

Re: Need to destroy old external Hard Drives

I am required to destroy drives from time to time for work. Use proper eye protection, gloves. Use a 1/2 inch drill bit designed for metal (about $20 at HD). Ensure that the drive to be destroyed is properly secured for drilling. If you have a disk drive, you'll want to put four holes in North, West...
by Mr-et-Mrs-R
Wed Jul 29, 2020 9:22 am
Forum: Personal Consumer Issues
Topic: [Books that changed your life]
Replies: 577
Views: 62599

Re: Books that changed your life

The Hitchhiker's Guide to the Galaxy books - read them as a 13 year old and laughed at the silly bits, re-read it in my 20s and realized that Douglas Adams was satirizing society pretty darn well. Use the chapter on Deep Thought to explain the talking heads on TV. Zen and the Art of Motorcycle Maint...
by Mr-et-Mrs-R
Mon Jul 20, 2020 9:54 pm
Forum: Personal Consumer Issues
Topic: Steel Framed House VS ?
Replies: 32
Views: 2296

Re: Steel Framed House VS ?

My sole concern would be with fire.
Steel becomes plastic and does not hold it's structure as wood would.
Consult with the builder about fire suppression and how well the structure holds up during a fire.
by Mr-et-Mrs-R
Wed Jul 15, 2020 3:31 pm
Forum: Investing - Theory, News & General
Topic: Data breaches and security
Replies: 28
Views: 1205

Re: Data breaches and security

This: https://xkcd.com/936/ Edit: This is the only time where length matters. :P [rim shot] But in truth here, you can do everything correctly, and just one small slip-up can expose your data. Equifax's data breach was from using an outdated version of Apache Struts. Just use really long passwords a...
by Mr-et-Mrs-R
Wed Jul 15, 2020 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's new job, pregnancy leave
Replies: 50
Views: 3708

Re: Wife's new job, pregnancy leave

While this is a great crowd for a lot of things, I think this question is much better suited to "Ask A Manger" https://www.askamanager.org/.

I do agree 1000% that your wife needs to have a talk with her new boss on day one to get off on the right foot.
by Mr-et-Mrs-R
Thu Jun 04, 2020 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7975
Views: 556139

Re: Refinance Mega Thread

One last thing & it's a warning: If you have to deal with "Solidifi Title" please be aware that they do not encrypt either their emails or PDF attachments. Inexcusable that they included both Mrs. R's and my SSN in a tax form that was missed from the collection of paperwork without any...
by Mr-et-Mrs-R
Wed Jun 03, 2020 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7975
Views: 556139

Re: Refinance Mega Thread

Following up on my promise to give an update on our closure: Lender: ConsumerDirect Mortgage; using Costco's membership. State: MA Interest: 3.25% LTV:44% New Monthly: $1692.00 Cash to close: $2,254.57 Old Monthly: $2111.00 Savings from our old loan: $419 Believe that we're going to continue to make...
by Mr-et-Mrs-R
Wed Jun 03, 2020 6:24 pm
Forum: Personal Consumer Issues
Topic: Linux Users- Are you running antivirus?
Replies: 21
Views: 1407

Re: Linux Users- Are you running antivirus?

This feels more like a Slashdot or Reddit question.

Keep an AV thumb drive / boot disk around and as long as you're comfortable with the command line you'll be fine.
by Mr-et-Mrs-R
Thu May 28, 2020 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7975
Views: 556139

Re: Refinance Mega Thread

Is Massachusetts some kind of black hole for mortgage lenders? None of these sites or deals are available here. :? We went with a Consumer Direct Mortgage, associated with Costco. - 3.267% APR, 30 Year, 60% LTV - Total closing costs are $2254.58. Saving $500 a month, pays for itself by EOY. - About...
by Mr-et-Mrs-R
Tue Apr 21, 2020 7:11 am
Forum: Personal Consumer Issues
Topic: Coffee Experts - Help with an online coffee order
Replies: 44
Views: 3805

Re: Coffee Experts - Help with an online coffee order

Alchemy Collective of Berkeley, CA is excellent, one of the few that we drink black.
https://www.alchemycollectivecafe.com/
1741 Alcatraz Ave, Berkeley, CA
510-394-4758
by Mr-et-Mrs-R
Tue Apr 21, 2020 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7975
Views: 556139

Re: Refinance Mega Thread

Costco's network turned out really disappointing. How so? Of the three mortgage companies that we reached out via Costco, only one came in with a really hard sell. Told the guy that we had a spreadsheet with the costs and fees and would like his, he told us to stop comparing nickles. The other two ...
by Mr-et-Mrs-R
Mon Apr 20, 2020 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7975
Views: 556139

Re: Refinance Mega Thread

First time refinancer hopeful. When you all say ‘closing costs’, are you referring to what you will be paying out of pocket at closing, or are you referring to the whole kit and caboodle: Origination fees Discount points Appraisal fee Title-Lender Title Insurance And the list goes on....to $11K! Ro...
by Mr-et-Mrs-R
Mon Apr 20, 2020 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7975
Views: 556139

Re: Refinance Mega Thread

Is there a specific department / person you talk to (at your current bank) to ask for this (match other bank's rate) ? I can only get hold of general customer service rep who has no clue... We requested a refi via the normal channels and then spoke with the agent that they paired us with. She asked...
by Mr-et-Mrs-R
Sat Apr 18, 2020 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7975
Views: 556139

Re: Refinance Mega Thread

We're aiming for an APR of 3.281% on a 30 year mortgage, with our closing costs being $420. Using ConsumerDirect Mortgage that we found on Costco's web site. Looking at a savings of $452 per month (or $111,644.38 over the life of the loan). Of course we also asked our current holder (Chase) to match...
by Mr-et-Mrs-R
Sat Apr 04, 2020 4:47 pm
Forum: Personal Consumer Issues
Topic: is a $1000+ herman miller office chair worth the investment?
Replies: 55
Views: 5761

Re: is a $1000+ herman miller office chair worth the investment?

Purchased mine used for about $500.
Check Craigslist and see if there are deals to be found.
by Mr-et-Mrs-R
Wed Jun 26, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: Purchasing Major Appliances from Costco
Replies: 49
Views: 22017

Re: Purchasing Major Appliances from Costco

So how was it finally resolved? We are still working our way through the Costco Cash card that we got from the return. Minor edit: The return was painless. They sent a truck over and the units were picked up in short order. They even worked around my business trip schedule, which was especially nic...
by Mr-et-Mrs-R
Tue Jun 25, 2019 8:50 pm
Forum: Personal Consumer Issues
Topic: Purchasing Major Appliances from Costco
Replies: 49
Views: 22017

Re: Purchasing Major Appliances from Costco

We purchased a W/D set from Costco back when we bought our condo to replace the existing units. The washer sprung a leak about 4 years in, and in calling Costco to find out how to get it fixed by them. Honest-to-God conversation with the lady on the phone: me: Our washer has a leak, how do I get it ...
by Mr-et-Mrs-R
Thu Jun 20, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: A week or so in West Virginia
Replies: 9
Views: 1205

Re: A week or so in West Virginia

Grew up in WVa, and was a tour guide on the New, Cheat, and Youghiogheny (PA) back in the 80s while in college. Certainly the New River is the best of the lot, in terms of things to see, the drive down, and other activities. If you're coming from the DC area, I would suggest driving out I-68 west un...
by Mr-et-Mrs-R
Sun May 01, 2016 7:54 am
Forum: Personal Consumer Issues
Topic: Planetarium software that only shows BRIGHTER nebulas?
Replies: 4
Views: 598

Re: Planetarium software that only shows BRIGHTER nebulas?

Celestia is an open source / free planetarium.

http://www.shatters.net/celestia/

Hasn't been updated in a while, but what I remember when I used it was really amazing.
by Mr-et-Mrs-R
Sun May 01, 2016 7:42 am
Forum: Personal Consumer Issues
Topic: Visiting Napa Valley, CA
Replies: 20
Views: 3125

Re: Visiting Napa Valley, CA

Mrs R and I both enjoy Vincent Arroyo, which came to us by way of a friend. Vincent Arroyo 2361 Greenwood Ave, Calistoga CA 94515 707-942-6995 www.vincentarroyoc.om Petite Sirah is his signature wine, which is not as you stated, white or sweet, although he does a wonderful port and a few whites. Enj...
by Mr-et-Mrs-R
Wed Apr 20, 2016 4:54 pm
Forum: Personal Consumer Issues
Topic: Want to buy a home safe - advice?
Replies: 37
Views: 5247

Re: Want to buy a home safe - advice?

This is why all consumer safes suck:
https://www.youtube.com/watch?v=ApJQ2wcYjBo

Basically you need to go visit a safe / locksmith store and get yourself a safe that's rated for a two hour house fire.
by Mr-et-Mrs-R
Sun Apr 03, 2016 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: How much house? (New England Market)
Replies: 18
Views: 2507

Re: How much house? (New England Market)

I have very little doubt that you'll do well in any of those towns with-in your price range and monthly payment desires. A quick look at Redfin shows plenty of homes within your stated goal. Personally I'd find a broker who is selling your house to knock their commission down to 3%, 5% seems a littl...
by Mr-et-Mrs-R
Fri Mar 04, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Cast Iron Frying Pans
Replies: 71
Views: 10927

Re: Cast Iron Frying Pans

A Lodge cast iron skillet is all you really need. New or used, does not matter. 10 inch will run you $25 on their website . Care is simple- soapy water, stiff brush, dry and oil. Why cast iron? Indestructible and versatile (everything from grilled cheese, bread, burgers, eggs, to a single pan dinner...
by Mr-et-Mrs-R
Fri Dec 11, 2015 2:14 pm
Forum: Personal Consumer Issues
Topic: San Antonio vs. Morgantown, WV for 2 docs
Replies: 99
Views: 13979

Re: San Antonio vs. Morgantown, WV for 2 docs

[EDITED for clarity and additional thoughts] Mr. R here, I grew up in Morgantown, my father was associated with the university as a professor. My wife and I still visit for the holidays as I have family there. We personally know a good number of people, including a large number of the medical commun...
by Mr-et-Mrs-R
Tue Nov 24, 2015 11:16 am
Forum: Personal Consumer Issues
Topic: How do you view family photos?
Replies: 22
Views: 2418

Re: How do you view family photos?

We have an NAS (Synology 1315+ [1]), which communicates with our Sony Blu-Ray player; we are able to stream photos, videos, and music to our media system if we wish. For photos that we wish to share (such as a anniversary trip) we might burn a DVD with the photos. Usually we'll edit the photos to a ...
by Mr-et-Mrs-R
Mon Oct 12, 2015 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Job Salary Question
Replies: 7
Views: 3025

Re: Job Salary Question

Thank you all for your responses. To answer the questions: FiveK - No, I have not yet been put in the position of having to answer any questions about my number, yet. tech_arch & AirTimeMD - I agree; I deferred all the time. There is plenty of risk and opportunity here with this position, and un...
by Mr-et-Mrs-R
Sat Oct 10, 2015 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Job Salary Question
Replies: 7
Views: 3025

Job Salary Question

Mr. R here: So I've been interviewing around and had a great meeting with a company that's writes software for Point Of Sales (POS) systems. A friend introduced me to one of the principles. I could say that I interviewed with nearly all of the key players, but it's a small office here (and the CEO w...
by Mr-et-Mrs-R
Fri Oct 02, 2015 12:35 pm
Forum: Investing - Theory, News & General
Topic: Scottrade hacked
Replies: 24
Views: 3645

Re: Scottrade hacked

We have not received any emails concerning Scottrade being hacked. A search of news on Google shows nothing either. Are you sure that the email that was sent to you is not a fishing email? Do the links (if any) point back to Scottrade properly? *EDIT* Further more, I see no notifications or messages...
by Mr-et-Mrs-R
Fri Oct 02, 2015 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to Use Signing Bonus
Replies: 13
Views: 2065

Re: How to Use Signing Bonus

Savings / Emergency Funds first, since that's your main goal. After that, it depend on your stratigey of how you wish to tackle your debt. My choice would be to free up money based on the largest payments, that then I could use to speed up other payments. If you could pay off a car first ($380), the...
by Mr-et-Mrs-R
Thu Jul 16, 2015 5:07 pm
Forum: US Chapters
Topic: Master Thread for Metro Boston's Chapter
Replies: 454
Views: 149203

Re: Master Thread for Metro Boston's Chapter (MA)

Sounds good to us- we will be there.
by Mr-et-Mrs-R
Thu Jul 16, 2015 2:19 pm
Forum: Personal Consumer Issues
Topic: Needing an External Drive
Replies: 24
Views: 2061

Re: Needing an External Drive

Any of them will work just fine.
Look at Amazon, NewEgg, Costco, BJ's etc and buy on price / size.
by Mr-et-Mrs-R
Wed Jul 15, 2015 10:16 pm
Forum: Personal Consumer Issues
Topic: Trip to Montreal Canada
Replies: 21
Views: 5971

Re: Trip to Montreal Canada

Edited to include the address / name of the bar in Chambly. Mrs R and I enjoy Montreal greatly and make a road trip up north about once every 6 months or so. Here's our small list: - Fairmount Bagel - Boul St. Laurent - Avenue du Mont-Royal - McGill - Mont Royal - Latin Quater Places to Stay: - Hote...
by Mr-et-Mrs-R
Mon Jun 29, 2015 4:13 pm
Forum: Personal Consumer Issues
Topic: Can you simply change the music file structure in iTunes?
Replies: 13
Views: 4625

Re: Can you simply change the music file structure in iTunes?

Our personal collection of music is 60k- Mr. R. was a DJ (radio) back in college and managed to collect a few full catalogs of CDs from the publishers. The tools to use are Mp3Tag, as Protagonist mentioned, with MusicBrainz Picard. Mp3tag is great to massive bulk updates- such as clearing out commen...
by Mr-et-Mrs-R
Wed May 20, 2015 5:35 pm
Forum: US Chapters
Topic: Master Thread for Metro Boston's Chapter
Replies: 454
Views: 149203

Re: Master Thread for Metro Boston's Chapter (MA)

Sadly, a last minute family obligation has popped up- so we can't make it.
(Nothing serious, just need to travel with my elderly father).
by Mr-et-Mrs-R
Sat Apr 25, 2015 12:53 pm
Forum: US Chapters
Topic: Master Thread for Metro Boston's Chapter
Replies: 454
Views: 149203

Re: Master Thread for Metro Boston's Chapter (MA)

Option 2 works best for us as well.
We look forward to seeing everyone.
by Mr-et-Mrs-R
Fri Mar 20, 2015 1:54 pm
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 16931

Re: Whats a good Pistol to buy?

First and foremost- if you've never owned, or shot a gun, take a gun safety course. Refresh yearly. Here's your Google search for classes. This is NOT a toy, this is NOT for flash, this is a weapon for killing. Second, your best prevention is a cell phone- if you think you're going to need to use yo...
by Mr-et-Mrs-R
Thu Mar 05, 2015 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Separate Phone for Business?
Replies: 14
Views: 1249

Re: Separate Phone for Business?

Always.
Work is work, personal is personal. It's a very big line in the sand, and they need to be kept apart.
Even if I worked for myself, I would keep a different phone for work.
by Mr-et-Mrs-R
Tue Feb 24, 2015 2:05 pm
Forum: US Chapters
Topic: Master Thread for Metro Boston's Chapter
Replies: 454
Views: 149203

Re: Master Thread for Boston's Chapter (MA)

Let me talk with Mrs. R, and see what her schedule is like, but, yes, it would be good to join.
by Mr-et-Mrs-R
Mon Feb 23, 2015 1:04 pm
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 158
Views: 27679

Re: Documentaries to recommend?

Dessert Of Forbidden Art Tim's Vermeer How much does your building weigh Mr. Foster? Jiro Dreams of Sushi El Bulli - Cooking in Progress Step Into Liquid - Kingdom of Dreams and Madness First two are outstanding- Dessert is exceptional by all accounts, and Tim's is great because it's told by Penn an...
by Mr-et-Mrs-R
Fri Dec 12, 2014 8:58 am
Forum: Personal Consumer Issues
Topic: A Visit toPittsburgh
Replies: 35
Views: 3640

Re: A Visit toPittsburgh

We love Pittsburgh, and I grew up in it's shadow, and still have family there. Dinning does not really get any better than the neighborhood bistro Point Brugge- worth the trip alone. CMU & Pitt, two great schools with a ton to see and do around them. The Strip - My nemesis and mistress. Mrs R do...
by Mr-et-Mrs-R
Thu Dec 11, 2014 10:36 am
Forum: Personal Consumer Issues
Topic: East Coast trip with kids (NYC, Boston, Washington?)
Replies: 40
Views: 7372

Re: East Coast trip with kids (NYC, Boston, Washington?)

Nothing like a traveling education. That was the best thing my parents did for us as we grew up. I agree with the Greek Chorus on DC begin one of the trips to the east. June will be lovely and fun. See if you can arrange with your Senator's office a tour of the capital, or at minimum a visit with th...
by Mr-et-Mrs-R
Tue Dec 09, 2014 11:11 am
Forum: US Chapters
Topic: Master Thread for Metro Boston's Chapter
Replies: 454
Views: 149203

Re: Master Thread for Boston's Chapter (MA)

We'd be interested as well.
by Mr-et-Mrs-R
Thu Dec 04, 2014 9:53 am
Forum: Personal Consumer Issues
Topic: Wedding/Engagement Ring Stones
Replies: 16
Views: 3076

Re: Wedding/Engagement Ring Stones

For Mrs. R's engagement band, I hired a local smith to create a white gold band, hammered. Our wedding bands are also unadorned- tricolor gold (rose, white, and gold) bands in a wave pattern . We discussed at length our likes and dislikes about rings, stones, and so forth. For us, simple and plain w...