![]() I keep all my photos and videos on an external 4TB RAID 1+0 array and use CCC to back that up to another 4TB HDD in the RAID box. I use CCC to make a bootable backup of my internal HDD on an external SSD. I have an airport extreme that has all my time machine backups on it (desktop and 2 laptops). ![]() If I had to pick one, it would be Time Machine. OTOH, CCC seems more transparent and customizable. I have the latest operating systems on all machines. To be fair I typically keep older machines (my newest is a 2018 MacMini and oldest a 2010 27" iMac.which will be replaced with a MacBook Air sometime this year). They few times I have tried to use it my machines start screaming and the process is very tedious. Why do you think Time Machine is a fading product for Apple? My only other backup is iCloud (which I know isn't technically a backup) It seems like TM is a fading product for Apple.ΔΆ) Also, do you recommend leaving it plugged into the device all of the time or only plugging it in once a month or some other interval? I've used the later, out of concern for power surges, however, I have a pretty decent surge protector that everything is plugged into so that might be overkill. I have never had to actually use TM either however when I tried earlier wasn't really in love with how it was implemented. I like that CCC can create a bootable disk but to be honest have never had to use it over 8 years. I have used both Time Machine and also have a paid copy of Carbon Copy Cloner. I am getting ready to add another Mac to the family and have only one extra external drive not being used (1GB). Do 30, Says Self-Made Millionaire" originally published on Grow+Acorns. "Unfortunately, too few people have checked all those boxes." "A 15-year fixed may be a great choice, but that's often for someone who has already checked the other boxes: They're already maxing out their retirement savings, have no high-interest debt, and have adequate savings," McBride says. Given the low interest rate on mortgages, investing the difference can be an especially smart move. The flexibility of a lower mortgage payment also helps if you have another goal to pursue, like bolstering your emergency fund, paying down high-interest-rate debt, or getting on track with retirement savings. "Money in the bank will pay the bills home equity will not," McBride says. You're not locked into that large payment. But when money is tight, then you can take advantage of the 30-year's lower payments and use the difference to help with other bills, says Greg McBride, chief financial analyst for Bankrate. When your financial situation allows, you can put extra money toward your balance and pay off the loan faster - as Adcock put it, turning it into a 15-year. The punchline, La Spisa says, is the "15-year super-duper flexible mortgage" is a 30-year mortgage that, like Adcock suggested, you pay back more quickly as your finances allow. "If you need cash, the payments can drop 20% if you want any time you want," he says, "and the rate is only about a quarter of a point higher" than the typical 15-year loan. Most them then ask what a "super-duper flexible" mortgage entails. "If you had a 15-year mortgage and a 15-year super-duper flexible mortgage, which one do you think you would choose?" "I've explained it to clients this way," says Mark La Spisa, a certified financial planner and president of Vermillion Financial Advisors in South Barrington, Illinois. Financial experts agree that the flexibility of lower monthly mortgage payments is important for many homeowners. Adcock's point of view isn't actually unpopular.
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