Search found 94 matches

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: 4158

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: 4158

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: 4158

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: 4158

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: 4158

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: 350
Views: 39470

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: 2372

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: 2372

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: 3531

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: 3598

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: 3598

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: 3598

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: 2372

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: 2336

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: 2120

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: 2120

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: 84
Views: 8313

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: 84
Views: 8313

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: 84
Views: 8313

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: 1053

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: 3736

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: 389

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: 2036

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: 2036

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: 389

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: 1841

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: 905

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: 314

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: 1688

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: 1290

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: 3985

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: 5053

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: 2235

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: 3396

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: 3396

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: 3396

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: 2940

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.. :annoye...
by keaton
Wed Jul 05, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: Expensive Car Repair, New Engine
Replies: 51
Views: 3985

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: 12073

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: 2940

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: 2940

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: 3985

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: 14493

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: 3799

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: 3799

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

Get the kids these: https://store.totalwireless.com/bpdirect/totalwireless/PhoneDetails.do?action=view&_ga=null&productVariantExtensionId=53286371 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...
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: 3799

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: 3799

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 have super...
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: 3799

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 not sure th...
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: 3799

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 do: I got...
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: 3799

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...