Search found 80 matches

by keaton
Thu Aug 17, 2017 7:21 am
Forum: Personal Consumer Issues
Topic: ABS light, and OBD II scanners.....
Replies: 25
Views: 967

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.....
Replies: 25
Views: 967

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: 43
Views: 3208

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: 43
Views: 3208

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: 43
Views: 3208

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: 10
Views: 921

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: 35
Views: 2896

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: 326

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: Be aware of Project Fi phone buy service
Replies: 26
Views: 1798

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: Be aware of Project Fi phone buy service
Replies: 26
Views: 1798

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: 326

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: 1692

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: 813

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: 300

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: 1579

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: 1209

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: 3781

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: 4254

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: 2119

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 ...
by keaton
Thu Jul 13, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: Apple iMac problem?
Replies: 49
Views: 3185

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: 3185

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: 3185

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...
by keaton
Thu Jul 06, 2017 6:46 am
Forum: Personal Consumer Issues
Topic: Brake Pads and Rotors for 2011 Benz C300 4Matic?
Replies: 43
Views: 2644

Re: Brake Pads and Rotors for 2011 Benz C300 4Matic?

You Should let MERCEDES do the job! I own a 2017 GLS 450 W4 and wife is trading up for a 2018 GLE 350W4. Would not take those fine turned machines anywhere but the Mercedes dealer for service either,...Do you burn cheap gas in that Mercedes of yours? Think not! Same for service.... SeeMoe.. If you ...
by keaton
Wed Jul 05, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: Expensive Car Repair, New Engine
Replies: 51
Views: 3714

Re: Expensive Car Repair, New Engine

Glad you got a second opinion... still, cut it out with the extreme oil change intervals. I believe it even states in the manual that its 7.5K OCI
by keaton
Tue Jul 04, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 11315

Re: What do you splurge on?

My wife & family...
by keaton
Tue Jul 04, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Brake Pads and Rotors for 2011 Benz C300 4Matic?
Replies: 43
Views: 2644

Re: Brake Pads and Rotors for 2011 Benz C300 4Matic?

Thank you. To be clear, 10x 60 mph to 10 mph. Smell brakes then cool down. Is there a cool down process? Dont take it as gospel with the exact procedure, it can be in the range. The key is hard braking and heat, don't get to crazy with it, only within your comfort level, if you know what I mean. Ev...
by keaton
Tue Jul 04, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: Brake Pads and Rotors for 2011 Benz C300 4Matic?
Replies: 43
Views: 2644

Re: Brake Pads and Rotors for 2011 Benz C300 4Matic?

I am in New England as well, and only use ceramic. Low dust, long lasting and zero noise! My two rules with brakes are only ceramic pads and two pad sets per rotor set. Of course if the rotor is below spec, replace it. For my bed-in I do around 10X 60mph down to 10mph as hard as I can stop. If you c...
by keaton
Mon Jul 03, 2017 11:39 pm
Forum: Personal Consumer Issues
Topic: Expensive Car Repair, New Engine
Replies: 51
Views: 3714

Re: Expensive Car Repair, New Engine

I would keep running it, check the oil and record the usage. Also, cut it out with the extreme oil changes! Wow that's a bit excessive. Personally I would be more along the lines of 5K-7K miles if not more if you feel like getting a used oil analysis. Get onto a Ford forum and chat with the guys on ...
by keaton
Sat Jul 01, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 13300

Re: Bogleheads: you should be buying 10-year old cars

Gosh I guess I am the exception to the rule around here! ALL of my cars have been over 10yrs with 150K up to 300K miles on them. My favorites: 87 Mercedes 300TDT 83 Mercedes 300CDT 260K miles? idono odometer broke before I owned it 02 VW Gold TDI 280K Dozens of other cars, mostly Volvos with 200K+ m...
by keaton
Wed Jun 28, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: Do you buy phone outright or pay it off monthly...
Replies: 62
Views: 3397

Re: Do you buy phone outright or pay it off monthly...

Very soon I will need to be replacing/buying three new iPhones, total cost nearly $2k. Options are to buy outright or spread the payments over 24 months (with no finance charge.) . companies 'used to' have a 2-year contract where one could get a free or heavily discounted model for next to nothing ...
by keaton
Wed Jun 28, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Do you buy phone outright or pay it off monthly...
Replies: 62
Views: 3397

Re: Do you buy phone outright or pay it off monthly...

Get the kids these: m great deal and after a set time period they can be ported out to any other carrier, although I dont know the time that you have to be with Total Wireless. Runs on the Verizon network Same internal specs as the 6S.. I spend more since there is an insane difference between the 4S...
by keaton
Wed Jun 28, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Do you buy phone outright or pay it off monthly...
Replies: 62
Views: 3397

Re: Do you buy phone outright or pay it off monthly...

Yet another side note.... It's funny that boglehead members are all about low fee investing due to long term financial gains. Most everyone is so opposed to paying an adviser because they take a cut. YET, when it comes to things like a cell phone, the philosophy of the boglehead goes right out the w...
by keaton
Wed Jun 28, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Do you buy phone outright or pay it off monthly...
Replies: 62
Views: 3397

Re: Do you buy phone outright or pay it off monthly...

I buy my phones unlocked. On iPhone7 the Apple Store had carrier phones or unlocked, same price. The AT&T version did not have CDMA capabilities. The Verizon version did not have GSM capabilities. The unlocked version could work with both. I have been with AT&T for a very long time. They ha...
by keaton
Wed Jun 28, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Do you buy phone outright or pay it off monthly...
Replies: 62
Views: 3397

Re: Do you buy phone outright or pay it off monthly...

I buy outright upfront because I want them unlocked to make life easier for international travel. I don't buy them all at once though. Usually one of us is on the latest and the other is on the latest - 1 Any Verizon iPhone is unlocked, thus no need to put for an "unlocked" iPhone. I am n...
by keaton
Wed Jun 28, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Do you buy phone outright or pay it off monthly...
Replies: 62
Views: 3397

Re: Do you buy phone outright or pay it off monthly...

I buy outright upfront because I want them unlocked to make life easier for international travel. I don't buy them all at once though. Usually one of us is on the latest and the other is on the latest - 1 Any Verizon iPhone is unlocked, thus no need to put for an "unlocked" iPhone. What I...
by keaton
Wed Jun 28, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Do you buy phone outright or pay it off monthly...
Replies: 62
Views: 3397

Re: Do you buy phone outright or pay it off monthly...

I always buy mine refurb or used one or two generations behind the newest. At the moment we have two iPhone 6S and once the iPhone 8/7S comes out, I will be on the hunt for a 7. The 6S is still perfect for a daily phone and the price is right on swappa. I only use MNVO services since the main stream...
by keaton
Sun Jun 25, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 4513

Re: Google Fi? pros/cons? anyone using it?

Same with my service, great international, wifi calling and so forth. Yes if I used less then 1GB and I wanted to be stuck with an android, I wouldn't have an issue with Fi.

I pay ONLY for this service, so no need for home wifi.
by keaton
Sun Jun 25, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 4513

Re: Google Fi? pros/cons? anyone using it?

Google fi is way to expensive and limited for my taste. I pay $40 flat for unlimited t-mobile with ANY phone. Theres no reason to pay for Googles very limited tax burdened service...

Add to that, international text and data is amazing... with tethering! It's my only source of interwebs.
by keaton
Sun Jun 25, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????
Replies: 10
Views: 941

Re: Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????

Scam... People LOVE injector cleaning, which is a joke since gasoline IS an excellent solvent. Add to the fact that 10% ethanol is even better of a cleaning solvent. Cleaning throttle body on that low of mileage is very rare, and The ones I've done are over 200k miles. Most don't even need it depend...
by keaton
Fri Jun 23, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 47
Views: 4240

Re: New cars w/ no CD player -- what can I do with my CDs?

I had the reverse problem with a car so old it had no CD player. The solution was to buy an aftermaket car CD player and have it installed. I would expect this would work just as well for a car so new that there is no factory CD player. Most newer vehicles have such an integrated head unit that it'...
by keaton
Fri Jun 23, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 47
Views: 4240

Re: New cars w/ no CD player -- what can I do with my CDs?

I'm glad that manufactures have finally stopped it with the CD players! It's about time! Now if all laptops would do the same. Personally I have never owned a CD or DVD in my adult life, as there is just no point for 15-20 tracks and a major PITA. In college we used to swap MP3s all the time and spe...
by keaton
Thu Jun 22, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 4108

Re: Turbochargers

What about the cost of maintaining the turbo? Surely that is a continuing expense if you own a vehicle with a turbo charger? Knowing dealerships and garages, I am sure they want to check them out once per year at around $100 a pop to examine functioning, potential deposits, etc. Nope! There is noth...
by keaton
Mon Jun 19, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]
Replies: 65
Views: 5373

Re: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]

As mentioned, you need to know the codes. I have a Subaru with a P0420 code (catalytic converter efficiency below minimum) which means one of a number of things. None of these things are safety related. I'm working on the solutions one at a time and resetting the code (I have a code reader) to chec...
by keaton
Mon Jun 19, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]
Replies: 65
Views: 5373

Re: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]

WOW, yup, glad you have a good paying job since you got taken for a ride on those prices. I hope you were the one that cheaped out on only replaced half the coil packs, and not the mechanic because that is extremely lazy. You can get a whole set of coil packs for 100-150 bucks plus plugs are very ch...
by keaton
Sat Jun 17, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 4108

Re: Turbochargers

For me this is a simple equation. How much gas will I save in 100,000 miles and what will the be the cost to replace the T Charger in 100,000 miles. Yah, I know some of you will say they last over 100,000 miles but I am not going to be bet on it unless it is a Honda or Toyota T Charger. I wonder wh...
by keaton
Sat Jun 17, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 4108

Re: Turbochargers

MOBY DICK wrote:Oh yeah... just one more thing... PREMIUM FUEL ONLY.

All depends on the vehicle and tempature, as I could run regular in the winter on the Volvos without issue. Yet on my tuned Audi 2.0T requires 93 octane or I get pinging under load. It's case by case really...
by keaton
Sat Jun 17, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 4108

Re: Turbochargers

I have two older turbocharged Volvo's - both nearing 20 years in age - one with ~130k on the original turbo, the other with ~210k, and that one has been run at 50% more than factory boost for the last 100k miles. No problems in either car. If the turbo were to have a problem, they can be rebuilt fo...
by keaton
Sat Jun 17, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 4108

Re: Turbochargers

Almost all of my vehicles have been turbo, from old Mercedes turbo diesels, to 5cyl Volvos, TDIs and plenty of Audi 1.8t & 2.0t. I find them easily tuneable, more engine room, good performance to fuel economy and so forth. I have had turbos last north of 300k miles, and only ever replaced one tu...
by keaton
Tue Jun 13, 2017 6:57 am
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 8398

Re: What Do You Pay for an Oil Change?

07 Audi A4 2.0t S-line Avant: Rotella T6 5w-40 and a filter for about $27 bucks My OCI is 5K miles at the moment due to the 2.0T having high wear on the High pressure fuel pump lifter. If it wasn't for that design flaw, I would be at 10K OCI like ever other vehicle... To the guy that stated Audi nee...
by keaton
Mon Jun 12, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Want to archive DVD's (movies, etc) onto standalone unit
Replies: 10
Views: 806

Re: Want to archive DVD's (movies, etc) onto standalone unit

Handbrake is a great tool to rip DVDs, and then Plex as a media server is amazing! Amazon fire stick will run Plex and organize all your media. Instead of ripping, download the torrent for the select DVD. Illegal, probably but if you own the DVD you should be able to own a digital copy! Use a VPN se...