Search found 138 matches

by keaton
Thu Dec 19, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Traveling to South Africa - money tips
Replies: 14
Views: 847

Re: Traveling to South Africa - money tips

No Apple Pay as they have their own form in most areas. I just used Chase Sapphire and Revolut. Also used Ally to take out a little. Have a bunch of small rands like 2-5 rands for car guards. Don’t have anything visible in the car when driving or parked. Even in gated areas! Keep the doors locked wh...
by keaton
Sat Nov 16, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: Bigger car for baby?
Replies: 62
Views: 3244

Re: Bigger car for baby?

My wife and I are in the same situation! Kind of.... We have a Uppababy Mesa car seat with one base, as they are so easy to clip in and out I didn’t bother with a second. As for the cars, I drive an 03 Golf TDI that I get free fuel for so drive as my beater until it dies. Putting the car seat in the...
by keaton
Sat Nov 16, 2019 1:05 am
Forum: Personal Consumer Issues
Topic: Anyone switch from oil to propane?
Replies: 30
Views: 1741

Re: Anyone switch from oil to propane?

Why not do mini splits (heat pumps) Or a hybrid system that does heat pump with propane backup forced air. This way you can do heat and AC, for much cheaper! This is what we are doing in our new house build, no propane or oil for any part of the house with grid tie solar. We will have a wood stove t...
by keaton
Fri Nov 15, 2019 5:36 pm
Forum: Investing - Theory, News & General
Topic: What tools do you use to track your finances?
Replies: 80
Views: 7557

Re: What tools do you use to track your finances?

Mint to track all the CC transactions and categorize them for budgets, then Vanguard to track investments. Fast and easy!
by keaton
Sat Nov 09, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: visiting Maine in November
Replies: 27
Views: 2272

Re: visiting Maine in November

In a few weeks, it might actually get a little warmer, as right now is just a cold arctic blast! My picks would be Acadia as a good day trip over Freeport, although Freeport is nice for shopping, it doesn't have what Acadia has for scenery. You can go shopping anywhere, and LLbean is the same china ...
by keaton
Sat Oct 26, 2019 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Advice: building loan vs equity loan?
Replies: 0
Views: 269

Advice: building loan vs equity loan?

My wife and I are moving forward building on our land in the coming months. I wanted to ask the forum what you all thought about looking forward financially. The simple hard numbers: Land value with improvements: 120K Approx. Total assets: $200K (60K in IRA 85/15, 100K in taxable 85/15, the rest in ...
by keaton
Sat Oct 19, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Apparently Left Store without Paying
Replies: 12
Views: 2070

Re: Apparently Left Store without Paying

I just had the same kind of thing happen to me the other day. Put a bunch of things into the cart but the car seat for the little one was in the cart as well. When we got out to the car, I realized a product had gotten under the car seat. I went back into the store and scanned it into the self-check...
by keaton
Thu Oct 17, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: Friend's car caught in flood ?
Replies: 107
Views: 10313

Re: Friend's car caught in flood ?

Wow, that was not the wisest move. No way on this planet I would put over $2K into an old flooded Camry and ive been a mechanic for many years.

Where he lost the engine was letting it run in the flooded water, if he just shut it down, no problem! hydro locked is the biggest killer of floods.
by keaton
Thu Oct 10, 2019 9:43 pm
Forum: Personal Consumer Issues
Topic: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?
Replies: 64
Views: 5202

Re: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?

looks like you already had the work done. if the rotors didn't get damaged, a new set of pads would be just fine, as always ceramic is my recommendation due to low dust. As you can see from the photo, an extremely easy swap.
by keaton
Thu Oct 10, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?
Replies: 64
Views: 5202

Re: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?

Crazy high, but its a dealer so they are crooks in the auto industry. Like others have said, very odd to need rear brakes at this age, and rotors can do two pad sets easy before needing to be changed. I can usually do pads and rotors for $50 a corner with ceramic pads (dealer won't do those). Extrem...
by keaton
Sat Oct 05, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: burner phone for failing iphone?
Replies: 18
Views: 1984

Re: burner phone for failing iphone?

just do the battery swap yourself, TONS of guides online and its cheap.
by keaton
Wed Sep 25, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: Where do you buy parts for DIY Auto repairs
Replies: 46
Views: 3840

Re: Where do you buy parts for DIY Auto repairs

Most of my parts are scattered between, - FCP (lifetime warranty even when it wears out!!) - Advanced Auto (WAY overpriced on a lot of things, only worth it when something is MSRP and you use a coupon code) - eBay (there are some off brands that you should stay away from, but good used parts are wor...
by keaton
Thu Sep 19, 2019 8:54 pm
Forum: Personal Consumer Issues
Topic: Best places to live to raise a family (cost doesn't matter)
Replies: 95
Views: 10042

Re: Best places to live to raise a family (cost doesn't matter)

My top places would be: - New Zealand, hands down the one place I would move to tomorrow if I could legally work there. It's worth taking at least a few months to explore and find a place you fit in. - Zurich would be my next choice but would miss the coast. - Antique, WI would be my winter spot - P...
by keaton
Sat Jul 13, 2019 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Quick: How to sell paper stock?
Replies: 4
Views: 663

Re: Quick: How to sell paper stock?

Thanks guys!

Edit: nevermind, found the transfer agent, although Canada based which is real odd. Agent is, CIBC Mellon Trust.
by keaton
Sat Jul 13, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Quick: How to sell paper stock?
Replies: 4
Views: 663

Quick: How to sell paper stock?

I have two shares of sony from long ago, in paper form :?

Any ideas on how I can sell these? as I asked Ally brokerage and it would cost more then they are worth to transfer them to online.
by keaton
Mon Jun 17, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: Extend MacBook Battery Life by plugging in as much as possible?
Replies: 49
Views: 4300

Re: Extend MacBook Battery Life by plugging in as much as possible?

i had a little over 800 with about 90% capacity left, which worked great!

download coconut battery and just keep a log to see how the battery is doing. Doing a complete discharge and a full deep recharge seems to help every once in a while.
by keaton
Thu Jun 13, 2019 10:45 pm
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 7142

Re: 50 or 75 gallon water heater?

you can get more out of your hot water tank by installing a mixing valve and raising the temperature. As for tankless, you can get electric tankless, which helps not having the added complexity of NG or LP.
by keaton
Sun Jun 09, 2019 8:02 am
Forum: Personal Consumer Issues
Topic: Things to do in Maine
Replies: 72
Views: 7540

Re: Things to do in Maine

I can add a few things, as ive done the Boston drive a million times! Dont go inland, its really not worth it with such short time frame. Lets hit some of the beaches real quick, just incase the weather is nice. - As stated above, good beaches in York, grew up going there every summer as a kid. - Hi...
by keaton
Tue Apr 09, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Buying and Reselling Used Car Every Year as a Used Car Buying Strategy?
Replies: 21
Views: 1569

Re: Buying and Reselling Used Car Every Year as a Used Car Buying Strategy?

I used to do this all the time when I was younger. This was before Craislist was so crazy and competitive, now its really not worth it. I would find vehicles for around $500-$1000 that needed major repairs like transmission, engine or cylinder head. Repair items that would cost a fortune to have a s...
by keaton
Sun Apr 07, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Google problem on Imac
Replies: 45
Views: 2342

Re: Google problem on Imac

Why not see if you can register the yahoo email again? That way you have that email to use as a recovery. Once that is done, switch the recovery over to your email. As I tell my parents, keep a notebook of your passwords! And use safari or chrome features to save passwords EVERY time.
by keaton
Sun Mar 24, 2019 6:20 pm
Forum: Personal Consumer Issues
Topic: East coast road trip with young kids, any stops?
Replies: 27
Views: 1687

Re: East coast road trip with young kids, any stops?

My vote is to look into Newport, RI as there is a lot to do if its a nice day. Walk around town, go to the beaches, Cliff walk, take a drive along the water at Benton point. Just get Waze up and running before you head onto the island!
by keaton
Tue Mar 19, 2019 5:03 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Landline Alternatives (Ooma, Magic Jack, etc.)
Replies: 56
Views: 3584

Re: Suggestions for Landline Alternatives (Ooma, Magic Jack, etc.)

My vote is OBI with GV since it works extremely well and no you don't need to tweak it anymore! that was an issue a while ago, everything as been solid after the whole GV scare.

The other option is to get a cheap granny cell phone with unlimited calling, as that will work even if the power goes out.
by keaton
Mon Mar 11, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: $1800 preventive maintenance for car vs running it to the ground
Replies: 15
Views: 1904

Re: $1800 preventive maintenance for car vs running it to the ground

There is a third option, just have an independent mechanic replace the tensioner with the revised one, and while they are in there inspect the guides. It will take less time and parts. Here is how to check it: https://www.youtube.com/watch?v=G65J1aEszyc&feature=youtu.be TONS of topics on this in...
by keaton
Thu Mar 07, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Tech Support needed - moving Google Drive contents to New computer
Replies: 9
Views: 1104

Re: Tech Support needed - moving Google Drive contents to New computer

I don't know if this is still true, but Google Drive files won't sync if you manually copy to a new computer. This is the reason I ditched Google drive since I switched computers and internet is not fast everywhere in the world! So, if Google still has this issue, you are stuck with leaving your com...
by keaton
Sun Mar 03, 2019 3:41 am
Forum: Personal Finance (Not Investing)
Topic: How much does owning vehicles (cost/month)
Replies: 53
Views: 4436

Re: How much does owning vehicles (cost/month)

sd323232 wrote: Sat Mar 02, 2019 5:51 pm Replace car battery every 2 years – $140/2 = $60 / year => $5/ month
How do you go through batteries every 2yrs!? I usually get 8 to 10yrs out of them with ease.
by keaton
Mon Feb 25, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: Our landline number was ported over to someone else!
Replies: 8
Views: 2163

Re: Our landline number was ported over to someone else!

Most of the time, the pin is the last four of your number.
by keaton
Mon Feb 25, 2019 3:11 am
Forum: Personal Consumer Issues
Topic: Our landline number was ported over to someone else!
Replies: 8
Views: 2163

Re: Our landline number was ported over to someone else!

Do the same back, port it out of t-mobile to another account like google voice. Do the same that they did to you, as its pretty easy to port out. Also you could try using NumberBarn to port it out.
by keaton
Fri Feb 01, 2019 6:40 am
Forum: Personal Consumer Issues
Topic: Regular Gas in a car requiring Premium Gas (Lexus LS)
Replies: 23
Views: 5131

Re: Regular Gas in a car requiring Premium Gas (Lexus LS)

Remember, its probably pretty cold where you are so the effects of low octane fuel will be little to no concern. It's more of an issue when its hot out and your at low throttle going up a hill, once cruising at low load its not an issue.
by keaton
Wed Nov 21, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card for International Travel
Replies: 67
Views: 12156

Re: Credit Card for International Travel

At the moment, for my wife and I, we currently spend 90% of our time out of the country. Our setup is below, although I would like to look into the above methods that look interesting. - Two Chase Sapphire accounts, so if one card is lost, the other can be used. - Google Fi on iPhones for data and t...
by keaton
Fri Oct 26, 2018 2:37 am
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 35704

Re: How many of you have cut the cord?

born in the mid-eighties and have never had cable or a landline. - My wife and I are building a new house and there will be no landline or cable run to the house, just a fiber connection and even that might be gone with 5G that MIGHT takeover fiber later on. - The inlaws town just had the old copper...
by keaton
Sat Jan 13, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: why do banks bother offering lousy CD rates?
Replies: 50
Views: 6711

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 advant...
by keaton
Sun Jan 07, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 5093

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: 2969

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: 122
Views: 11177

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: 122
Views: 11177

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: 122
Views: 11177

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: 122
Views: 11177

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: 318

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 t...
by keaton
Wed Nov 01, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Cheap low speed unlimited data
Replies: 16
Views: 2126

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: 2105

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: 2105

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: 2105

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: 2215

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: 6127

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: 8925

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: 8925

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: 8925

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: 8925

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: 8925

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: 661
Views: 93677

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+