Search found 108 matches

by keaton
Sat Jan 13, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: why do banks bother offering lousy CD rates?
Replies: 49
Views: 4834

Re: why do banks bother offering lousy CD rates?

it took me a long time to get my parents out of their .01% B&M account and into at least Ally. Very hard for them to understand the concept that the B&M bank was making a killing off of them. Their IRAs are still trapped in crappy CDs from the same bank. In my opinion these banks take advantage of t...
by keaton
Sun Jan 07, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 3829

Re: Best Phone Plan for 1 person

so many great MNVOs out there! Personally, I go with Verizon MNVO due to coverage, but t-mobile MNVOs are very good. I can never get my head around google fi as they are so expensive in comparison, unless your. vERY light data user. My tops are (Verizon) Boom Totalwireless USmobile Pageplus Lots of ...
by keaton
Sat Dec 30, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Where I need to keep my Emergency cash
Replies: 24
Views: 1929

Re: Where I need to keep my Emergency cash

My vote is Ally, great bank! The 11m no penalty or the 12m at 2% with penalty.

There might be better offers that come and go, but having Ally as my primary bank has been excellent. Keep it simple is the key...

All autopay
Ally savings (1.25%)-->CC bill (2%)-->All POS and Bills

Easy!
by keaton
Thu Dec 28, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 95
Views: 5894

Re: Keeping a checkbook register

Is that where I let Chase come into my bank account and take the money? Because I won't do that. My sister had a vendor take more than they were supposed to once and then they told her it would take 6-8 weeks to put the money back. No thank you! Ok, a vender is a lot different then a CC company cha...
by keaton
Thu Dec 28, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 95
Views: 5894

Re: Keeping a checkbook register

How does chase take a week to process a payment? All mine go through very quickly when the process. I think they don't play well with my credit union's bill pay program. They are the only vendor in my bill pay list who receives a physical check, the rest are all electronic. It can actually take two...
by keaton
Thu Dec 28, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 95
Views: 5894

Re: Keeping a checkbook register

If your not interested in alternatives, then what’s the point of this topic. If I didn’t have mint, I still wouldn’t keep record as I would just see my balance on my phone via any of the apps for all accounts. Plus I don’t keep that close of a margin for any accounts. How does chase take a week to p...
by keaton
Thu Dec 28, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 95
Views: 5894

Re: Keeping a checkbook register

No checks used here.. All autopay, and everything gets funneled through credit cards for CB. All accounts linked to Mint so transactions are catagorized and I can inspect for anything out of place ASAP. All pretty much hands off, why write checks and pay for stamps when autopay exists. Keep it simple!
by keaton
Mon Dec 18, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Advice: Proper planning for state resident status with new home
Replies: 1
Views: 232

Advice: Proper planning for state resident status with new home

My wife and I recently bought a piece of property in Maine, yet we are based out of NH and travel a lot for work. We plan on building a house with a loan, yet the bank does not like loaning on "investment" property. This is our first property with a long term goal of living in it half of the year, t...
by keaton
Wed Nov 01, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Cheap low speed unlimited data
Replies: 16
Views: 1636

Re: Cheap low speed unlimited data

Nettalkconnect is a t-mobile MNVO for $40 a month unlimited.
by keaton
Sat Oct 28, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Repair (new engine) 2005 Mazda 3?
Replies: 26
Views: 1457

Re: Repair (new engine) 2005 Mazda 3?

Did you get any info on what the actual issue is? Also, again how many miles per quart? As you can go many many miles for much cheaper by just adding oil. Say your oil change interval is 5k miles (which is short) at $25-$35 per oil change Vs adding a quart of oil every 1k miles at $3 dollars a quart...
by keaton
Sat Oct 28, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Repair (new engine) 2005 Mazda 3?
Replies: 26
Views: 1457

Re: Repair (new engine) 2005 Mazda 3?

I would favor a re-manufactured engine over a rebuilt one depending upon the price difference and how long you want to keep the car. A rebuilt motor only replaces defective parts. http://reman-engine-dcvamd.com/remanufactured-vs-rebuilt-and-new.html That is complete BS, any rebuilt motor goes throu...
by keaton
Fri Oct 27, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: Repair (new engine) 2005 Mazda 3?
Replies: 26
Views: 1457

Re: Repair (new engine) 2005 Mazda 3?

How did they diagnose it? I would get a compression test and leak down test. That will give you some idea of what is really going on. Supper easy to do by any shop. How much does it burn? 1qt every 500, 1k or 3k miles? Since, you could go to a 40 or 50 weight oil and just keep adding. It would be ch...
by keaton
Wed Oct 25, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: metal roof: standing seam vs interlocking panels
Replies: 15
Views: 1565

Re: metal roof: standing seam vs interlocking panels

Keep this in mind since your in snow country. The standing seem metal roof makes an amazing snow slide! Depending on roof height and pitch, the snow comes off like a rocket. Make sure you talk to a good roofer about putting stop rails up. Either on the whole house or just over doorways so you don’t ...
by keaton
Thu Oct 19, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: idiot proof router?
Replies: 53
Views: 4662

Re: idiot proof router?

When everyone are talking about getting a switch, these are extremely simple. There is NO setup, software or anything, just plug in and go. It’s called an unmanaged switch, that takes one Ethernet port and turns it into however mean you want. Any basic router these days is dead simple to setup! The ...
by keaton
Thu Sep 14, 2017 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Large portable generator vs. permanent natural gas generator for home
Replies: 67
Views: 5001

Re: Large portable generator vs. permanent natural gas generator for home

Most folks cannot do well with diesels but since you have the knack perhaps you can say why you produce your own power since its is cheaper to pull it off the grid? FWIW - spark plugs are quite easy - fresh gasoline is often plentiful for many of us and carbs never get dirty when they are run dry. ...
by keaton
Tue Sep 12, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Large portable generator vs. permanent natural gas generator for home
Replies: 67
Views: 5001

Re: Large portable generator vs. permanent natural gas generator for home

- Diesel is a lot safer to store then LPG and you wouldn't need as much due to efficiency - Diesel gens are less maintenance intensive, not more - Yes, buying new, diesel gens will cost more I'm pretty much off grid 90% of my life, so maintenance, load balancing and usability of systems is just part...
by keaton
Tue Sep 12, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Large portable generator vs. permanent natural gas generator for home
Replies: 67
Views: 5001

Re: Large portable generator vs. permanent natural gas generator for home

Maintaining a diesel is a lot simpler then a petrol based gen. No spark plug to change Less frequent oil changes No carb to clean or have fuel go bad in the bowl Parts would all depend on the type of gen you had, one with a yanmar block would be very simple. Tons of tractors with the same motor! Yes...
by keaton
Tue Sep 12, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Large portable generator vs. permanent natural gas generator for home
Replies: 67
Views: 5001

Re: Large portable generator vs. permanent natural gas generator for home

smitcat wrote:
Tue Sep 12, 2017 8:13 pm
I have had a number of diesel gensets - be careful what you wish for.
As in??

I'm actually running a 20KW as we speak, easy peasy!
by keaton
Tue Sep 12, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Large portable generator vs. permanent natural gas generator for home
Replies: 67
Views: 5001

Re: Large portable generator vs. permanent natural gas generator for home

Personally, I am on the cheaper side and would only buy and run a diesel generator. Higher output, much longer lasting, fuel stores easily, and a lot more efficient then any other fuel source.
by keaton
Fri Sep 08, 2017 7:09 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 374
Views: 45457

Re: Flaunt Your High-Mileage Car

I have had a few..

98 Volvo S70 turbo 300K
98 Volvo V70 T5M 250K
01 Golf TDI 5spd 285K
83 Mercedes 300CDT 230K+ and the odometer stoped working!

I have never owned a car with under 100K miles, and most of my cars in my younger years were 200K+
by keaton
Thu Sep 07, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Waterproof container for documents-pending Florida hurricane
Replies: 29
Views: 2795

Re: Waterproof container for documents-pending Florida hurricane

You could scan most documents and never have to worry about loosing them, and then send the rest to someone to get back later. I have everything digital and all the passports and so forth off site. My living space is in constant risk of sinking, if you know what I mean! Hopefully the offsite part i...
by keaton
Thu Sep 07, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Waterproof container for documents-pending Florida hurricane
Replies: 29
Views: 2795

Re: Waterproof container for documents-pending Florida hurricane

You could scan most documents and never have to worry about loosing them, and then send the rest to someone to get back later. I have everything digital and all the passports and so forth off site. My living space is in constant risk of sinking, if you know what I mean! Hopefully the offsite part i...
by keaton
Wed Sep 06, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Wanting a Portable Auto GPS
Replies: 65
Views: 4470

Re: Wanting a Portable Auto GPS

No way would I stick a old school GPS in any of my cars.... iPhone with Waze, done!
by keaton
Tue Sep 05, 2017 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 4328

Re: How do you track expenses ?

Like several others, I created a custom Excel Table, and then created pivot tables from that. How do you import transactions from accounts into the table with ease? I haven't bothered to try and see if there's a way to do that because there is zero chance the data I'd be importing from various acco...
by keaton
Tue Sep 05, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 4328

Re: How do you track expenses ?

Tamales wrote:
Tue Sep 05, 2017 10:00 pm
Like several others, I created a custom Excel Table, and then created pivot tables from that.
How do you import transactions from accounts into the table with ease?
by keaton
Tue Sep 05, 2017 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 4328

Re: How do you track expenses ?

Mint! Easy, and works on every platform in any part of the world I might be in. No need to shell out for any other features unless I had my own business. Great for planning and getting a more complete net worth, along with checking credit card transaction in one easy login.
by keaton
Tue Sep 05, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Waterproof container for documents-pending Florida hurricane
Replies: 29
Views: 2795

Re: Waterproof container for documents-pending Florida hurricane

You could scan most documents and never have to worry about loosing them, and then send the rest to someone to get back later. I have everything digital and all the passports and so forth off site. My living space is in constant risk of sinking, if you know what I mean!
by keaton
Mon Sep 04, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: How long do cars last these days (electronics)
Replies: 32
Views: 2620

Re: How long do cars last these days (electronics)

I’ve got 10yrs on my vehicle and all the “fancy” features work. I Love having auto tinting rear view and side mirrors, auto headlights, auto tracking headlights and auto windshield wipers! My favorite features ever! And all this is done by very simple sensors that are not expensive to replace if nee...
by keaton
Thu Aug 17, 2017 7:21 am
Forum: Personal Consumer Issues
Topic: ABS light, and OBD II scanners.....UPDATE
Replies: 34
Views: 2725

Re: ABS light, and OBD II scanners.....

If you go to AutoZone or similar places they often have OBD-II scanners that you can borrow and use right there in the parking lot. Sometimes the parts counter person will even help you do the scan. You'll get a code or several codes and then have to look those up in a book to see what the specific...
by keaton
Wed Aug 16, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: ABS light, and OBD II scanners.....UPDATE
Replies: 34
Views: 2725

Re: ABS light, and OBD II scanners.....

Most generic code readers will not pull ABS fault codes. I would get onto a Ford forum and see what most of the guys use on there or check YouTube. A couple extra bucks can get you a scanner that will pull ABS and SRS codes.
by keaton
Sun Aug 13, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 92
Views: 10710

Re: Just saved $1000 / year on mobile plan

We pay about $13/month for two lines on Tracfone. I need unlimited data for business reasons. Other than "business reasons," I am curious how people use so much data. I am like Nicolas. We have 2 cellphones-one uses the H2owireless $10 for 3 months plan and the other the "RealMobile $10 for 4 month...
by keaton
Sun Aug 13, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 92
Views: 10710

Re: T-Mobile promotion for 55+

Did it Saturday, 2 limes for me and my wife $70 and they ported my old phone numbers. When I called Verizon for my account number, they wanted to try and match this offer instead of canceling our account. They had no answer when I asked them why, as we were good long-time customers, didn't they rea...
by keaton
Sun Aug 13, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 92
Views: 10710

Re: Just saved $1000 / year on mobile plan

Used our existing paid off phones. They offer new phones as well as upgrades to our existing. About 3 months ago, I gave up my Windows Phone that I paid $35 for and got about 4 years out of and went up to a Google Pixel - so I should be good for 5 more years on my Pixel- wife has Iphone 6 so no nee...
by keaton
Sat Aug 12, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: MiFi for International Travel
Replies: 13
Views: 1552

Re: MiFi for International Travel

I personally just have an old iPhone and toss any sim into that, start up hotspot and bam, done. It has to be an iPhone 5 or newer Verizon model.
by keaton
Sat Aug 12, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 37
Views: 4328

Re: Cheapest way to upgrade iPhones ?

ddurrett896 wrote:
Sat Aug 12, 2017 7:16 am
Following!

I miss the $199 iPhone upgrade every 2 years and re-selling my old phone for $150 on Craigslist.
Not me!! That was the most expensive option, thus why it has gone away, people got smart..
by keaton
Sat Aug 12, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Advice: W2 or 1099 for IRA & 401K reasons, need math help
Replies: 6
Views: 485

Re: Advice: W2 or 1099 for IRA & 401K reasons, need math help

I overlooked the full SS payment with self employed, that does take a hit to the total net income, with a 1099.

SO, the question is, at 148K filing jointly with very minimal deductions, be worth it over a W2? Having to pay the other half of SS in order to contribute more via a SEP-IRA, thoughts?
by keaton
Fri Aug 11, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: Project Fi phone
Replies: 26
Views: 2449

Re: Be aware of Project Fi phone buy service

What does everyone with Google FI end up paying at the end of the month? I can’t bring myself to change since I’m at $40 for unlimited, I would have to really cut back to ever come close to that with google fi
by keaton
Fri Aug 11, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Project Fi phone
Replies: 26
Views: 2449

Re: Be aware of Project Fi, Google sometimes is evil

Pop the sim into your iPhone and get rid of the android. Easy peasy!
by keaton
Thu Aug 10, 2017 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Advice: W2 or 1099 for IRA & 401K reasons, need math help
Replies: 6
Views: 485

Advice: W2 or 1099 for IRA & 401K reasons, need math help

This will probably be pretty quick for most of you, thus why I am posting the idea. Both my wife and I are W2 employees, yet in our industry we can go to a 1099 with ease. I choose W2 at first in order to save on SS benefits, although going forward our income fluctuates greatly, thus SS might not be...
by keaton
Mon Aug 07, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: Need A New Verizon MVNO
Replies: 17
Views: 2169

Re: Need A New Verizon MVNO

Totalwireless is pretty good, although I like Boom! Mobile as the tax is included in the total. Puppy wireless is just a reseller of pageplus, which I believe got bought out by tracfone and now has overseas tech support. That was my primary provider for years, but they have been behind the times and...
by keaton
Sun Aug 06, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Using a VPN for mobile internet
Replies: 8
Views: 1040

Re: Using a VPN for mobile internet

Personally, I run t-mobile internationally and maybe run cloak once in a while if I was on public wifi. If I don't have t-mobile, I just find the best SIM card deal when I fly into the country.
by keaton
Sat Aug 05, 2017 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Quick: A tool to help with allocation and rebalancing
Replies: 2
Views: 365

Quick: A tool to help with allocation and rebalancing

I have been searching around and can't seem to find a simple percentage calculator for asset allocation. I am about to start adding international and wanted to know how much to buy to meet my desired percentage. I can just buy until vangaurd calculator is correct, but that doesn't seem efficient. Th...
by keaton
Mon Jul 24, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: Apple or AT&T
Replies: 16
Views: 1872

Re: Apple or AT&T

You can get an iPhone SE 32GB for about $160 through Total Wireless, which is a Verizon MNVO. Much cheaper then getting ripped off by the main stream.
by keaton
Mon Jul 24, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: help with a new cell phone strategy
Replies: 8
Views: 1453

Re: help with a new cell phone strategy

Start researching MNVO services as that is where your savings will come from!

Totalwireless actually has the iPhone SE 32gb for cheap, and they have some good plans.

I personally always get Verizon iPhones since they are unlocked, as there is no need to pay for "unlocked" iPhones.
by keaton
Fri Jul 21, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Is there any reason not to? [4% Checking]
Replies: 36
Views: 4364

Re: Is there any reason not to? [4% Checking]

Your only loosing 0.8% if you don't meet the min. Requirements, correct?

I wonder if you can do 20 automatic transactions, along with one Ally automatic transfer?
by keaton
Thu Jul 20, 2017 6:37 am
Forum: Personal Consumer Issues
Topic: Battery Life - 2008 Toyota Hybrid Camry
Replies: 39
Views: 6869

Re: Battery Life - 2008 Toyota Hybrid Camry

I've a 2001 Prius. Replaced the battery with a rebuilt one in 2015 at 198k miles at a cost of $1500 and some of my time. Battery is no more a concern than engine, motor/generators, transmission, or exhaust system. The catalyst will probably need replacement before that battery does. That's not corr...
by keaton
Tue Jul 18, 2017 6:48 am
Forum: Personal Consumer Issues
Topic: Cellphone nightmare - please help
Replies: 24
Views: 2506

Re: Cellphone nightmare - please help

Depending on what phone you have, some will work on GSM as well. If it's an iPhone 5 and newer, it will have GSM bands for AT&T and T-Mobile MNVO services. Personally the two I use is Nettalkconnect (t-mobile) and Boom! (Verizon). Many great MNVO providers out there these days. All depending on your...
by keaton
Thu Jul 13, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: Apple iMac problem?
Replies: 49
Views: 3758

Re: Apple iMac problem?

You have done the likely items, although I would install a SSD. If that doesn't work, sell and buy another machine. The SSD these days is key! It is not worth your time with a spinning drive, ever! I know nothing about solid state drives, are they easy to install? What would I look for? A little go...
by keaton
Thu Jul 13, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Apple iMac problem?
Replies: 49
Views: 3758

Re: Apple iMac problem?

You have done the likely items, although I would install a SSD. If that doesn't work, sell and buy another machine. The SSD these days is key! It is not worth your time with a spinning drive, ever!
by keaton
Thu Jul 13, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: Apple iMac problem?
Replies: 49
Views: 3758

Re: Apple iMac problem?

umm, what is the iMac in question? Without that info, you cant really get much assistance. - Do you have a solid state drive? this makes a massive difference - How much ram? - Have you looked at your activity monitor to see what is using your resources? - Run a different browser? - Reformatted the s...