{"id":48855,"date":"2019-12-19T12:34:44","date_gmt":"2019-12-19T17:34:44","guid":{"rendered":"https:\/\/www.technologyinvestor.com\/?p=48855"},"modified":"2019-12-19T12:34:44","modified_gmt":"2019-12-19T17:34:44","slug":"great-christmas-presents-and-great-advice-on-bank-credit-cards","status":"publish","type":"post","link":"https:\/\/www.technologyinvestor.com\/?p=48855","title":{"rendered":"Great Christmas presents and great (?) advice on bank credit cards"},"content":{"rendered":"<p style=\"text-align: left;\">The market keeps rising. I don&#8217;t know why. I count my blessings and sell stocks that are going nowhere &#8212; on the theory that if they can&#8217;t go up in this market they don&#8217;t deserve to be held.<\/p>\n<p style=\"text-align: left;\">I worry about Apple. It keeps going up. But its P\/E is still under 24. Look at this year:<\/p>\n<p style=\"text-align: left;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-48870\" src=\"https:\/\/www.technologyinvestor.com\/wp-content\/uploads\/2019\/12\/AppleThisyear.jpg\" alt=\"\" width=\"581\" height=\"317\" \/><\/p>\n<p style=\"text-align: left;\"><span style=\"color: #0000ff;\"><strong>What to buy yourself for Christmas\/Chanukah<\/strong><\/span><\/p>\n<p style=\"text-align: left;\">Technology is the overwhelming choice for this year&#8217;s Christmas presents.\u00a0There are three reasons:<\/p>\n<p style=\"padding-left: 30px; text-align: left;\">+ It&#8217;s now so incredibly powerful.<\/p>\n<p style=\"padding-left: 30px; text-align: left;\">+ It&#8217;s now so incredibly useful.<\/p>\n<p style=\"padding-left: 30px; text-align: left;\">+ It&#8217;s now incredibly cheap. Item; NewEgg is selling a 4 terabyte external drive for $80. That&#8217;s four thousand gigabytes. You can take pictures on your smartphone from now until Kingdom Come (Australian expression) and you&#8217;ll never fill this drive. Never.<\/p>\n<p style=\"text-align: left;\">To my list of things to buy:<\/p>\n<p style=\"padding-left: 30px; text-align: left;\">+ The Apple Watch, the most useful gadget on the planet.<br \/>\n+ The Apple iPhone 11 pro max. Faster processor. Longer life battery. Better camera, etc.<br \/>\n+ Alexa gadgets at Amazon. Every day I ask it the temperature outside. Today&#8217;s it&#8217;s 19 degrees. Cold but blue skies.<br \/>\n+ Kindle devices or Kindle software for your phones or laptops. Kindle is 1000% better than a book. You can make the type bigger. You can take notes, saved nicely for you on Amazon&#8217;s huge computers.<br \/>\n+ Figs Cairo cargo pants. Best pants for traveling. Only $46. Click <a href=\"https:\/\/www.wearfigs.com\/products\/mens-cairo-cargo-scrub-pants-graphite?variant=14594818834481&amp;g_acctid=358-653-9936&amp;g_campaign=Smart%20Shopping%20-%20Scrubs&amp;g_campaignid=1727398021&amp;g_adgroupid=68034504416&amp;g_adid=337088815412&amp;g_keyword=&amp;g_keywordid=pla-358293523828&amp;g_adtype=&amp;g_merchantid=102406012&amp;g_productchannel=online&amp;g_productid=FP14594818834481&amp;g_partition=358293523828&amp;g_network=u&amp;g_ifproduct=product&amp;g_ifcreative=&amp;gclid=Cj0KCQiA89zvBRDoARIsAOIePbB2j4juJEZKi353TwdvCGoDufRmteJE_PtAEz4r9Ii-splO9T70Nk8aAgmMEALw_wcB\" target=\"_blank\" rel=\"noopener\"><strong>here.<\/strong><\/a><br \/>\n+AmazonBasics 60W 6-Port Multi USB Wall Charger, $26. White. Click <a href=\"https:\/\/www.amazon.com\/gp\/product\/B0773JHC6N\/ref=ppx_yo_dt_b_asin_title_o03_s00?ie=UTF8&amp;psc=1\" target=\"_blank\" rel=\"noopener\"><strong>here.<\/strong><\/a><br \/>\n+ Uno to play with the grandkids. $10. Click <a href=\"https:\/\/www.amazon.com\/gp\/product\/B07P6MZPK3\/ref=ox_sc_act_title_1?smid=ATVPDKIKX0DER&amp;psc=1\" target=\"_blank\" rel=\"noopener\"><strong>here.<\/strong><\/a><br \/>\n+ The best list is from Mens Journal.\u00a0<em>Gear of the Year: The Best New Tech, Tools, and Toys of 2019. <\/em>The items include shoes, cars, speakers, parkas, etc.The full Men&#8217;s Journal list is <a href=\"https:\/\/www.mensjournal.com\/gear\/gear-of-the-year-2019\/\" target=\"_blank\" rel=\"noopener\"><strong>here.<\/strong><\/a><\/p>\n<p style=\"text-align: left;\">The absolute best technology present of the year &#8212; magic sunglasses:<\/p>\n<div style=\"width: 400px;\" class=\"wp-video\"><!--[if lt IE 9]><script>document.createElement('video');<\/script><![endif]-->\n<video class=\"wp-video-shortcode\" id=\"video-48855-1\" width=\"400\" height=\"224\" preload=\"metadata\" controls=\"controls\"><source type=\"video\/mp4\" src=\"https:\/\/www.technologyinvestor.com\/wp-content\/uploads\/2019\/12\/Magic-Sunglasses.mp4?_=1\" \/><a href=\"https:\/\/www.technologyinvestor.com\/wp-content\/uploads\/2019\/12\/Magic-Sunglasses.mp4\">https:\/\/www.technologyinvestor.com\/wp-content\/uploads\/2019\/12\/Magic-Sunglasses.mp4<\/a><\/video><\/div>\n<p style=\"text-align: left;\"><span style=\"color: #0000ff;\"><strong>Banks are run by computers<\/strong><\/span><\/p>\n<p style=\"text-align: left;\">Yesterday morning Citibank declined a $14.21 charge on my Mastercard.<\/p>\n<p style=\"text-align: left;\">Today they increased my credit limit by $2,000. I didn&#8217;t ask for it.<\/p>\n<p style=\"text-align: left;\">Yesterday I spoke to five Citibankers to find out why they hate me &#8212; to bounce my charges. One of whom was actually in the U.S. The rest were in the Philippines.<\/p>\n<p style=\"text-align: left;\">I have auto-pay. Citibank takes the money out of my Chase checking account. But they don&#8217;t take the money fast enough. Apparently.<\/p>\n<p style=\"text-align: left;\">It take five days to move money from Chase to Citibank. Meantime, they decline minor charges on my Mastercard. It&#8217;s so stooopid.<\/p>\n<p style=\"text-align: left;\">Why?<\/p>\n<p style=\"text-align: left;\">I spoke to seven of them. Nobody had a clue. I couldn&#8217;t hear most of them.<\/p>\n<p style=\"text-align: left;\">My best Citibank comment: &#8220;We\u00a0do not have supervisor entitlement.&#8221;<\/p>\n<p style=\"text-align: left;\">Everybody I know &#8212; rich or poor, intelligent or stupid, black or white &#8212; complain about their bank. No one is ready to recommend their bank to me.<\/p>\n<p style=\"text-align: left;\">Conclusions:<\/p>\n<p style=\"padding-left: 30px; text-align: left;\">+ Banks no longer employ real people, They&#8217;re computers with insane rules and illiterate people at a call center in the Philippines.<\/p>\n<p style=\"padding-left: 30px; text-align: left;\">+ There&#8217;s nothing anyone can do. So, don&#8217;t bother calling them. Pay your bills and hope that their computers will eventually unscrew themselves.<\/p>\n<p style=\"padding-left: 30px; text-align: left;\">+ Don&#8217;t call your friends for their recommendation of a &#8220;great bank.&#8221; There isn&#8217;t one. And they don&#8217;t have one. You&#8217;ll hear all their bitches.\u00a0 Worse, they won&#8217;t be funny.<\/p>\n<p style=\"text-align: left;\"><span style=\"color: #0000ff;\"><strong>So much for that ten-bagger<\/strong><\/span><\/p>\n<p style=\"text-align: left;\">So much for my ten-bagger, Isoray, which makes radioactive pellets to cure prostate cancer. Every reader chimed in: My urologist\/cancer doctor says No.<\/p>\n<p style=\"text-align: left;\">Here are readers comments:<\/p>\n<p style=\"padding-left: 30px; text-align: left;\">+ Jim: After talking with several Doctors and technicians as well as fellow Veterans I opted for removal. Bingo it is\u00a0gone. No more &#8220;If that doesn&#8217;t work we will try this&#8221;. I have many friends who went this route. None are pain free or happy and\u00a0are constantly worrying, &#8220;Is it working&#8221;.<\/p>\n<p style=\"padding-left: 30px; text-align: left;\">+ George wrote, &#8220;As a prostate cancer survivor, there are issues with ISR (as I understand it). Radioactive seeding has been one\u00a0treatment option. But, if there is a recurrence, the patient&#8217;s options are limited. This happened to a person I know.<\/p>\n<p style=\"padding-left: 30px; text-align: left;\">&#8220;When in doubt, get it out&#8221; was my approach. Di Vinci worked. PSA is 0 for 6 years now. If it is not in you, it can&#8217;t kill\u00a0you!<\/p>\n<p style=\"text-align: left;\">My favorite comment: <em>When in doubt, take it out.\u00a0<\/em><\/p>\n<p style=\"text-align: left;\">That&#8217;s a great variation on my best investment advice: <em>When in doubt, stay out.<\/em><\/p>\n<p style=\"text-align: left;\"><span style=\"color: #0000ff;\"><strong>Thoughts:<\/strong><\/span><\/p>\n<p style=\"padding-left: 30px; text-align: left;\">+ Every time you send your friends a Christmas card from Paperless Post or whoever, you&#8217;re giving them email addresses of your closest and dearest friend, i.e. me. Not fair to me.<\/p>\n<p style=\"padding-left: 30px; text-align: left;\">+\u00a0Say NO to robo-advisers. They&#8217;re worse than people. No time? Go for index funds VGT and VTI.<\/p>\n<p style=\"text-align: left;\"><span style=\"color: #0000ff;\"><strong>In praise of shirts that need ironing<\/strong><\/span><\/p>\n<p style=\"text-align: left;\">The big technology improvement in men&#8217;s shirts is &#8220;non-iron.&#8221;<\/p>\n<p style=\"text-align: left;\">The shirt makers accomplish this miracle by dipping their shirts in formaldehyde &#8212; the same stuff they use to embalm dead bodies and which the EPA says is dangerous to your health. (True.)<\/p>\n<p style=\"text-align: left;\">They&#8217;re not the only reasons I don&#8217;t like non-iron shirts: Above all, they don&#8217;t breath and I boil.<\/p>\n<p style=\"text-align: left;\">I like plain, un-embalmed shirts. Hence I live in polo shirts from Lands End and others. I resisted publishing pictures of dead bodies embalmed in shirt chemicals.<\/p>\n<p style=\"text-align: left;\"><span style=\"color: #0000ff;\"><strong>More thoughts from Phllis Diller<\/strong><\/span><\/p>\n<p style=\"padding-left: 30px; text-align: left;\">+ What I don&#8217;t like about office Christmas parties is looking for a job the next day.<\/p>\n<p style=\"padding-left: 30px; text-align: left;\">+ His finest hour lasted a minute and a half.<\/p>\n<p style=\"padding-left: 30px; text-align: left;\">+ My photographs don&#8217;t do me justice &#8211; they look just like me.<\/p>\n<p style=\"padding-left: 30px; text-align: left;\">+ Tranquilizers work only if you follow the advice on the bottle: Keep away from children.<\/p>\n<p style=\"padding-left: 30px; text-align: left;\">+ The reason the golf pro tells you to keep your head down is so you can&#8217;t see him laughing.<\/p>\n<p style=\"text-align: left;\"><span style=\"color: #0000ff;\"><strong>Don&#8217;t do stupid &#8212; again<\/strong><\/span><\/p>\n<p style=\"text-align: left;\">This is two weeks after Skip fell on the steps outside his house which he&#8217;s owned for over 15 years. Skip is careful, mature and (now) stupid. The steps were wet and slippery. Check. Check. Check.<br \/>\n<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-48862\" src=\"https:\/\/www.technologyinvestor.com\/wp-content\/uploads\/2019\/12\/skipleg-1.png\" alt=\"\" width=\"200\" height=\"292\" \/><\/p>\n<p style=\"text-align: left;\">Despite his leg, Skip still beats me at tennis.<\/p>\n<p style=\"text-align: left;\"><span style=\"color: #0000ff;\"><strong>America exports hats<\/strong><\/span><\/p>\n<p style=\"text-align: left;\">My brother-in-law Geoff loves American baseball hats for playing golf in Australia. He says the brim is longer and protects his eyes better than Australian hats. This is me modeling Geoff&#8217;s favorite hat from my favorite town in upstate New York.<\/p>\n<p style=\"text-align: left;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-48864\" src=\"https:\/\/www.technologyinvestor.com\/wp-content\/uploads\/2019\/12\/geoffsHat.png\" alt=\"\" width=\"613\" height=\"598\" \/><\/p>\n<p style=\"text-align: left;\">Charming? Frightening?<\/p>\n<p style=\"text-align: left;\">Try this. Grandkids Eleanor and Peter entertaining Santa:<\/p>\n<p style=\"text-align: left;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-48879\" src=\"https:\/\/www.technologyinvestor.com\/wp-content\/uploads\/2019\/12\/santa.png\" alt=\"\" width=\"350\" height=\"591\" \/><\/p>\n<p style=\"text-align: left;\">Life is fun. Harry Newton.<\/p>\n<p>This new software better work. Software writers are like your wife. They always know what&#8217;s best for you.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The market keeps rising. I don&#8217;t know why. I count my blessings and sell stocks that are going nowhere &#8212; on the theory that if they can&#8217;t go up in this market they don&#8217;t deserve to be held. I worry about Apple. It keeps going up. But its P\/E is still under 24. Look at [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-48855","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.technologyinvestor.com\/index.php?rest_route=\/wp\/v2\/posts\/48855","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.technologyinvestor.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.technologyinvestor.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.technologyinvestor.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.technologyinvestor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=48855"}],"version-history":[{"count":22,"href":"https:\/\/www.technologyinvestor.com\/index.php?rest_route=\/wp\/v2\/posts\/48855\/revisions"}],"predecessor-version":[{"id":48883,"href":"https:\/\/www.technologyinvestor.com\/index.php?rest_route=\/wp\/v2\/posts\/48855\/revisions\/48883"}],"wp:attachment":[{"href":"https:\/\/www.technologyinvestor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=48855"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.technologyinvestor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=48855"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.technologyinvestor.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=48855"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}