A victory and now a Dilemma

March 2nd, 2010 § 0

I have officially paid off my first major loan, the car loan for my wife’s Subaru Forester. What a fantastic feeling that is! Yet it opens up a new dilemma that I am still struggling to figure out.

The question is, what is next?

After some careful deliberation, I have narrowed it down to three possible options:

  • Pay off one of my student loans (this one is a private loan with Sallie Mae). This loan has the smallest balance of either my wife or I”s loans and would probably take about a year to pay off if all goes right. It currently has the lowest interest rate (3.25%) of any of our loans, but it is also a variable interest rate that has gone as high as 8.5% in the past. Plus there is always the benefit of getting Sallie Mae out of my life.
  • Pay off the other car loan for the new car (2009 Hyundai Elantra SE). This would probably take near 1.5 or 2 years to do, but has a higher interest rate (5.5%) and the loan is only 7 months old. This means right now I am paying a lot of interest on the loan and paying now could save significant money down the line. Plus the huge benefit of not having any car payments and this would net a significant boost to the next debt snowball.
  • Take the money we would put towards payments and have it go to a savings account. Given the economy, it never hurts to have some money stashed away. If the account balance gets larger then one of the loan’s balances, I can always due one big payment and close out the loan. If an emergency comes up, then we have money readily available.

Tough choice. Still thinking it through.

Thank you for my first chance in this big scary world

February 18th, 2010 Comments Off

Earlier today I attended “Breakfast with the Best” in Manchester, NH because my company was one of those being honored. While there, I met someone who was directly involved with getting me my first ever internship in my field nearly 10 years ago when I graduated from high school. I had known her personally thanks going to school with her kids.

Talking to her after so many years was great, as we caught up on everything. Sadly, one of those items was finding out that my boss at that first internship who she later became engaged to had passed away 3 years ago.

It was a shocking thing to find out, I had lost contact with him after my internship and never heard about him passing away. I remember trying several times to get in contact with him after my internship ended, but unfortunately sites like Facebook, Twitter, etc. either didn’t exist or were not widely used back then, so those attempts never panned out.

I remember once he joked to me that someday he will be working for me, as he seemed to be very impressed with my skills for a then 18-year-old Help Desk intern for a local bank. He taught me so much about my field, whether it was fixing computers, to setting up networks, to dealing with internal customers. He also indirectly lead to my final internship and first job offer, as the company he worked for after the bank ended up hiring me as well right out of college. One reason I had applied was that he had worked there at one point, so I knew they must be good.

This person I talked to today told me how fond of me he was and repeated that “someday he will work for me” joke. It brought a tear to my eye and a smile as well. Without him and her taking a chance on me, I don’t know if I would be where I am today in this big scary world. I owe him for how my career has turned out.

Thank you John. I will always remember you. Someday maybe I will get a chance to manage you.

A computer for most of us

January 31st, 2010 § 0

I am really excited about the Apple iPad that was announced a few days ago. It seems like it would solve a lot of computing issues not just for me, but most every day people who aren’t computer experts. This appears to be the first computer that I would feel absolutely comfortable with my grandmother to use, yet powerful enough for me to use it often.

In the morning before I go to work or in the evening when I am relaxing, there is very few times where I do a lot of typing. During these times, my predominate use of my Macbook is for browsing the web, reading Google Reader, checking Facebook & Twitter, and checking my e-mail. Most of my e-mail replies are a couple sentences long at most.

Some times I do this on my iPhone, which works well at these tasks. For me, the iPhone is great for a quick run through of that list above, but not good if I spend more than 10-15 minutes doing this. The iPhone’s battery drains fast, the screen is too small to do a ton of reading, there is a loss of flexibility many of the dedicated apps for these purposes not having all the functionality I may need.

When I do it on my Macbook, I gain the most functionality, but I lose the simplicity and efficiency of the iPhone approach. I get a bigger screen, the ability to type incredibly fast with keyboard shortcuts, better battery life, the ability to run many applications at the same time. There is a price for this though. I easily get distracted with many applications running at the same time. The applications can be incredibly complex, buggy, and unwieldy at times, some with code bases that date back 20 years or more. I would argue that laptops themselves are bulky (even the traditionally very thin Apple laptops) and can have heat issues that can make using one uncomfortable.

How do I see the iPad solving these issues? By taking the best of both approaches.

The iPad gets the bigger screen but still extremely portable, as thin as many books or a new notepad. I can just hold it with my hands, not resting it on my lap. I gain the huge speed and simplicity benefits of an iPhone like touchscreen interface, yet with the bigger screen the applications can be more complex if needed like their laptop cousins. There isn’t the heat issues, the battery is far better than any laptop (10 hours),  a faster processor than phones that doesn’t have to worry about handling the complex desktop Operating Systems like laptops. There is even accessories so I can do camera imports and manage them on the device.

For those morning and evening browsing sessions that I do nearly every day, the iPad would be perfectly suited for them. Of course there will be tasks that my laptop with a full desktop OS would be better suited for. As beautiful as the new iWork apps are for the iPad, I wouldn’t want to work on a complex spreadsheet on it from scratch. I wouldn’t write this long blog post on an iPad (unless I used the keyboard accessory…hmm). Managing my music and video collections will still need that computer, as they would have a tough time fitting on even a 64GB iPad. Plus I don’t even know if an iPad can sync its library with an iPhone yet.

That is not even getting into the added benefits the iPad gives to common people, like:

  • Security: there hasn’t been one virus or high-profile security breach for iPhones (excluding jailbroken ones). This is despite the iPhone being an obvious target for hackers given its dominance.
  • App Store: one stop shop to finding applications, applications get updates easily, and reviews to know the apps are good or not.
  • No multitasking: What? A feature? For those who get easily confused about multiple apps running, sucking CPU and battery life, this is a feature. It took months for one family member of mine to realize that they should quit applications instead of just closing their windows and leaving them running. My grandparents have a hard time keeping track of one application, never mind 5. Keep it simple. In the end, I bet limited multitasking will be introduced, but not until Apple gets it right.
  • Flexibility: Apps make this device work far longer than any computer would normally last. Those special digital photo frames you can buy? Get an iPad, dock, and it doubles as one when you aren’t using it. Plus higher quality display and more storage.

I predict that the iPad will become the computer of the future for the common people, while being a valuable companion for geeks who really do not need to use a full desktop computer every time they need their Internet fix. I know I will be in line for one, my mother is also wanting one too.

Apple Tablet event predictions

January 27th, 2010 § 0

I freely admit that I soak up any Apple related news and I cannot wait to see what is in store tomorrow for what is rumored to be the big Apple tablet unveiling. Here is my predictions:

iPhone OS 3.2 released

Not sure what exactly would be in this update to tell the truth. The iPhone really needs a a revamped notification system. Perhaps with the introduction of the tablet maybe Apple will include an e-book app that automatically syncs with your e-book purchases, like the Kindle iPhone app does for Kindle Store purchases? Only obvious improvement to me worthy of a minor version increase, although I am sure there will be a bunch of small improvements they will throw in.

iLife & iWork ‘10 released

Apple seems to do iLife & iWork releases every year or two in January, so this could be one of those years. The big obvious upgrade we have been waiting for is 64-bit support. It would be interesting if they actually made iWork.com useful (meaning editing files too) outside of viewing files you put up there.

Additional U.S. Carrier(s) for the iPhone (at least T-Mobile in the next few months, Verizon in summer)

Rumors have been going around crazy that AT&T exclusive contract for the iPhone ends in 2010. Some rumors say it even ends tomorrow (1/27/2010). Given that the iPhone is currently only GSM 3G, I think the most obvious new carrier is T-Mobile if any new carriers are announced tomorrow. A long shot is an announcement about Verizon getting the iPhone in the summer, but I don’t think that will be announced this far in advance.

The Apple Tablet (I love the name Apple Canvas, but I am guessing they will go with iPad or iSlate)

  • 10 inch “Tablet” device running a new version (4.0?) of the iPhone OS announced, for sale in March.
  • OLED Screen, incredibly thin
  • Wireless-N connection built-in
  • 3G Wireless that can be used either by subscription or content purchases will include the bandwidth costs. That way impulse book, movie, tv, and song purchases can be made anywhere, subscription or not.
  • Fully functional communication device (e-mail, web browser, apps, etc).
  • Built-in multitasking (iPhone OS 4.0 in action)
  • Tons of e-books, movies/TV content, music, etc.
  • Wireless syncing thanks to Wireless-N, no ports outside of power port, includes MobileMe subscription

Only way to find out: watch tomorrow!

Edit: Expanded on my original predictions.

How to contribute to Haiti rescue efforts

January 13th, 2010 § 1

My heart absolutely breaks for everyone in Haiti dealing with the catastrophic earthquake that struck just over 24 hours ago.  I wanted to do my own small contribution to those efforts and have donated some money to UNICEF.

You can also donate by going to the Support Disaster Relief in Haiti page ran by Google. You can also go the Red Cross web site to donate.