Search found 343 matches

by Keepcalm
Sat Aug 03, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: Books on gaining control of your mind/behavior
Replies: 24
Views: 2439

Books on gaining control of your mind/behavior

So in short, I have a balance issue. For instance, being debt adverse even in situations when it is 0%. In other areas of life, I will not commit to the gym unless I also commit to my diet. In short, my motivation always seems to be dependent, or tangent if you would, on other determining factors. I...
by Keepcalm
Tue Jul 30, 2019 8:25 am
Forum: Personal Consumer Issues
Topic: Depreciation Curve vs Warranty
Replies: 9
Views: 474

Re: Depreciation Curve vs Warranty

I speculated warranty was a big factor to these forums, interesting to hear.
by Keepcalm
Tue Jul 30, 2019 8:11 am
Forum: Personal Consumer Issues
Topic: Depreciation Curve vs Warranty
Replies: 9
Views: 474

Depreciation Curve vs Warranty

So I am looking at vehicles 3-4 years old to avoid eating the initial steep depreciation curve. However, I am now facing a warranty issue. Most of the cars I am looking at are at dealerships and not used car lots, so I am looking at certified lower mileage vehicles with warranties. However, because ...
by Keepcalm
Sat Jun 29, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Have nice car but too OCD to enjoy it.
Replies: 45
Views: 3387

Re: Have nice car but too OCD to enjoy it.

It’s a 2017 M3
by Keepcalm
Sat Jun 29, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: Have nice car but too OCD to enjoy it.
Replies: 45
Views: 3387

Have nice car but too OCD to enjoy it.

So it sits until the weekend and I drive the beater all week. I literally try to preserve the car. I feel like people like me shouldn’t have a nice car because I treat it like a child instead of the money pit depreciating mass that it is. Someone wake me up, and has anyone else ran into this behavio...
by Keepcalm
Sun Jun 09, 2019 4:44 am
Forum: Personal Consumer Issues
Topic: Investing in ones self, and implementing it.
Replies: 0
Views: 496

Investing in ones self, and implementing it.

We all know the saying “there are not enough hours in a day. There is always something to be done chore wise, and many times we say we are going to implement certain habits or hobbies within our days to balance the grind. Habits or hobbies such as reading, finishing up a degree maybe, updating quick...
by Keepcalm
Mon May 13, 2019 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: I just do not understand how some think.
Replies: 22
Views: 3225

Re: I just do not understand how some think.

Am I nuts to think that's an extremely unhealthy reason to not setup Quicken? Keepcalm: I don't need Quicken. Best wishes. Taylor I understand, and I was not trying to make a blanket statement that if you do not use a financial software you are unorthodox. To me it was more of the fact they are afr...
by Keepcalm
Mon May 13, 2019 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: I just do not understand how some think.
Replies: 22
Views: 3225

I just do not understand how some think.

Had an acquaintance ask me what I use for financial software. When I recommended Quicken they told me they have held off organizing their financial structure on it due to the fact their current financial situation is shaky right now. They proceeded to vent that logging into Quicken daily, weekly, wh...
by Keepcalm
Fri Apr 19, 2019 12:06 pm
Forum: Personal Investments
Topic: Investing in someones YouTube channel?
Replies: 17
Views: 1013

Re: Investing in someones YouTube channel?

Could someone explain how that would work if I was to invest say 3-5K in someones Youtube channel just to see how it works out? That sounds like the fastest way to never see your money invested back... Well they have a very good start, and I feel they have only unleashed a fraction of their potenti...
by Keepcalm
Fri Apr 19, 2019 12:00 pm
Forum: Personal Investments
Topic: Investing in someones YouTube channel?
Replies: 17
Views: 1013

Investing in someones YouTube channel?

Could someone explain how that would work if I was to invest say 3-5K in someones Youtube channel just to see how it works out?
by Keepcalm
Wed Apr 10, 2019 12:33 am
Forum: Personal Finance (Not Investing)
Topic: New Loan an expense?
Replies: 3
Views: 338

New Loan an expense?

For an auto loan would it be an adjustment or an actual expense?
by Keepcalm
Sat Mar 09, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Credit Utilization
Replies: 33
Views: 2466

Credit Utilization

How vital is credit utilization? If you have a high total credit pool of 80k over lets say 4 cards....but one of those cards is a low credit limit like 10k....how much of an impact is that card if it is close to being maxed at the 10k despite your pool being 80k? Assuming that 10k is that persons to...
by Keepcalm
Sun Mar 03, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: Red Wine question
Replies: 29
Views: 3361

Re: Red Wine question

It was a very nice wine. First timer with the Barolo.

Gave a good buzz and I was surprised to awake this morning not really feeling it. Once I had a cup of coffee I was fine.
by Keepcalm
Sat Mar 02, 2019 10:04 pm
Forum: Personal Consumer Issues
Topic: Red Wine question
Replies: 29
Views: 3361

Re: Red Wine question

Well I killed the bottle. Nice little Saturday night lol.
by Keepcalm
Sat Mar 02, 2019 7:56 pm
Forum: Personal Consumer Issues
Topic: Red Wine question
Replies: 29
Views: 3361

Red Wine question

I have a bottle of 2008 Pio Cesare Barolo I just opened.

Seems fine, color of the wine still seems fine, deep red.

How long does an unopened bottle last?
by Keepcalm
Fri Feb 22, 2019 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Trouble stomaching car
Replies: 52
Views: 5220

Re: Trouble stomaching car

I lost 800.00 with my trade in unfortunately. I mitigated that yearly loss by promising to skip the dunks/starbucks line during my morning commute for at least the next year. Even picked up a burr grinder and French press. :D Retirement accounts are just fine and kept in check. Besides I am an engin...
by Keepcalm
Fri Feb 22, 2019 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Trouble stomaching car
Replies: 52
Views: 5220

Re: Trouble stomaching car

a little update...I was not happy being 3/4 of the way towards the car I actually wanted. So I took the extra half step and just got the one I wanted. "Man I should have just spent the extra I was already almost there anyway" was not something I wanted to keep saying to myself. https://i.ibb.co/rt09...
by Keepcalm
Tue Feb 19, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: Quicken Lifetime Planner? Useful...cheesy?
Replies: 2
Views: 481

Quicken Lifetime Planner? Useful...cheesy?

Started using Quicken on a Mac. Finally booted up in windows and curious if it is worth switching over to Quicken Windows. Specifically curious about the lifetime planner, I see a lot of praise about it and wanted to know the Boglehead's take on this feature. Visually the Windows version looks like ...
by Keepcalm
Tue Feb 19, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Experian to monitor bank accounts/utility bill history (optional)
Replies: 3
Views: 497

Experian to monitor bank accounts/utility bill history (optional)

"Consumers with thin or subprime credit histories will soon be able to boost their credit scores by having their bank accounts and bill-paying records included in how the score is calculated. Under the current method, your credit score is mainly determined by how well you pay back your debts, includ...
by Keepcalm
Mon Feb 18, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Trouble stomaching car
Replies: 52
Views: 5220

Re: Trouble stomaching car

Is there ever a situation where someone can finance a used vehicle. Not put a single penny down on it, ride out low interest payments, and at some point throughout the loan term end up at the intersection of positive and negative equity? In other words, are you always upside down in a car loan? I gu...
by Keepcalm
Mon Feb 18, 2019 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Trouble stomaching car
Replies: 52
Views: 5220

Re: Trouble stomaching car

Solid input guys. I can not help but notice the fact that I figured I was doing this correctly. It is clear I did not fully understand some concepts. Makes me wonder how many out there just have no idea what they're doing with their financial situation. Not that I am anywhere near perfect, but I fee...
by Keepcalm
Mon Feb 18, 2019 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Trouble stomaching car
Replies: 52
Views: 5220

Re: Trouble stomaching car

Does the car "give you joy?" If not, throw it out. - Marie Kondo In all honesty, did you think about this before buying? It's buyers remorse. We've all had it. Remind me to tell you about the time I bought a 5000 lb. 23' Oday sailboat. As time goes on, you'll either pay it off, sell it, or live wit...
by Keepcalm
Mon Feb 18, 2019 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Trouble stomaching car
Replies: 52
Views: 5220

Re: Trouble stomaching car

I can pay the vehicle off right now, but just something about transferring all that cash and marrying the car doesn't sit with me. My APR is 2.2%, I am not paying much for the financing.
by Keepcalm
Mon Feb 18, 2019 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Trouble stomaching car
Replies: 52
Views: 5220

Trouble stomaching car

Going to keep this short and simple. Pre-cursor: financially sound. The issue: I purchased a 2016 Audi S4 a couple months ago. Love the car however I can not stop thinking about the cost of the vehicle even just over the next 24 months (finance payments). It just seems like such a huge chunk of cash...
by Keepcalm
Wed Feb 06, 2019 9:41 pm
Forum: Personal Consumer Issues
Topic: Using a resume template
Replies: 10
Views: 974

Using a resume template

Is this frowned upon these days? Should I really start from scratch and design my own?

Would love some feedback from those who hire/review resume's.

The field is mechanical engineering.

Cheers.
by Keepcalm
Wed Feb 06, 2019 6:37 am
Forum: Personal Finance (Not Investing)
Topic: AFCU - Altra Federal Credit Union
Replies: 1
Views: 209

AFCU - Altra Federal Credit Union

Has anyone or does anyone bank with them? I have now had two loans with them, both times the experience was personable, painless, and the lowest rate. I am actually considering moving all of my banking over to them as their checking account yields 2.5% with a balance < or = 15K. I have USAA now, and...
by Keepcalm
Fri Feb 01, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Starting from zero..literally.
Replies: 47
Views: 5965

Re: Starting from zero..literally.

I will pass the encouragement on, thanks all.
by Keepcalm
Thu Jan 31, 2019 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Starting from zero..literally.
Replies: 47
Views: 5965

Starting from zero..literally.

I posted a while back about a friend who had some debt and had thoughts of using his IRA to wipe it out. Long story short he did, and he has zero debt, and zero retirement. He literally has 6K to his name, and even sold his house to use the small amount of equity to pay towards the debt. Sold his Au...
by Keepcalm
Wed Jan 30, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: When selling just isn't worth it
Replies: 24
Views: 2702

When selling just isn't worth it

I have 5K left for consumer debt. Only other debt I have is just have my auto loan. I do not have a mortgage, I rent. I am itching at the bit to clear this last 5K, and in the process I have been eyeing my DSLR equipment. I really do not want to deal with selling it on eBay with all the sketch balls...
by Keepcalm
Thu Jan 17, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: Thoughts on Jordan Peterson books/videos?
Replies: 4
Views: 816

Thoughts on Jordan Peterson books/videos?

Worth reading and watching his stuff?
by Keepcalm
Tue Jan 15, 2019 11:32 pm
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 78
Views: 4617

Re: Duffel Bag vs Wheeled Stand Up traveling

am I crazy to pack my camera equipment like this?


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by Keepcalm
Tue Jan 15, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: Using carry-on for traveling locally?
Replies: 22
Views: 1846

Re: Using carry-on for traveling locally?

I live about 4 hours from my girl. My wife and I go visit her and use carry-on luggage to take our stuff. So I'm not sure what your question is about. Are you saying you have no carry-on luggage and want a recommendation? I have an E-bags TLS Motherlode backpack version. I saw it recommended on bog...
by Keepcalm
Tue Jan 15, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: Using carry-on for traveling locally?
Replies: 22
Views: 1846

Using carry-on for traveling locally?

So I live about 45min from my girl and I will often spend 2 days or so there each week. I like to bring a variety of clothing incase we find ourselves going out to diner or out for a hike. I also have a DSLR with a pretty good size telephoto 100-400 lens I carry around along with a 24-70. I was thin...
by Keepcalm
Tue Jan 15, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: Taking expensive DSLR on kayak?
Replies: 41
Views: 2317

Re: Taking expensive DSLR on kayak?

Handheld..next time might try a monopod. Any feedback on a monopod and its usefulness vs handheld would be great! It has 3 stages of IS and its going to be a learning curve in itself using this lens. They may be most useful for something like shooting a sports event where you will be standing in on...
by Keepcalm
Mon Jan 14, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: Taking expensive DSLR on kayak?
Replies: 41
Views: 2317

Re: Taking expensive DSLR on kayak?

Tried my 100-400 out for the first time today. Decided to stay on land. Here are a few shots! Handheld..next time might try a monopod. Any feedback on a monopod and its usefulness vs handheld would be great! It has 3 stages of IS and its going to be a learning curve in itself using this lens. https:...
by Keepcalm
Mon Jan 14, 2019 7:22 am
Forum: Personal Consumer Issues
Topic: Taking expensive DSLR on kayak?
Replies: 41
Views: 2317

Re: Taking expensive DSLR on kayak?

call it fate possibly but the tour had to be rescheduled on their end. maybe I was bound to end up capsized and staring at the snout of a gator today. so I guess thank you for the feedback but I will not be going =\ instead I will try out my new 100-400 (newest beta II) today on some bird in flights...
by Keepcalm
Sun Jan 13, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: Taking expensive DSLR on kayak?
Replies: 41
Views: 2317

Re: Taking expensive DSLR on kayak?

Have you ever tried to balance yourself with that camera and lens combo up at your face? If so, then yes, I'd take it. The combo isn't waterproof, but it is "weather resistant". It would probably survive a quick dunk in water. And you will want the longer lens in that situation, IMO. No most Im use...
by Keepcalm
Sun Jan 13, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: Taking expensive DSLR on kayak?
Replies: 41
Views: 2317

Re: Taking expensive DSLR on kayak?

livesoft wrote:
Sun Jan 13, 2019 5:55 pm
No, I would not. I would bring my G5X and carry it in a dry bag or Pelican case.
I was feeling the same...but I have received comments before about buying it and not using it. Sometimes the best pictures require you to put your equipment in potential harms way mind set.
by Keepcalm
Sun Jan 13, 2019 5:42 pm
Forum: Personal Consumer Issues
Topic: Taking expensive DSLR on kayak?
Replies: 41
Views: 2317

Taking expensive DSLR on kayak?

So, I grew up on a lake. I am just fine in a kayak. However I have never kayaked with a Canon 5DIV and a 100-400 II.... With that said, what is the point of having this caliber of equipment if your not going to use it? I am going on a kayak tour down the Myakka River in FL tomorrow. Should be a lot ...
by Keepcalm
Sat Jan 12, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 78
Views: 4617

Re: Duffel Bag vs Wheeled Stand Up traveling

Talking to a guy who commutes to Asia multiple times a month for work. He said something that caught my attention. He said that die hard commuters are starting to trend towards duffel bags and look at traditional carryons as "stone age". Has anyone seen any validity to this? I stopped using my whee...
by Keepcalm
Sat Jan 12, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 78
Views: 4617

Duffel Bag vs Wheeled Stand Up traveling

Talking to a guy who commutes to Asia multiple times a month for work. He said something that caught my attention. He said that die hard commuters are starting to trend towards duffel bags and look at traditional carryons as "stone age".

Has anyone seen any validity to this?
by Keepcalm
Tue Jan 08, 2019 11:31 pm
Forum: Personal Consumer Issues
Topic: Expensive DSLR through airport security
Replies: 45
Views: 3494

Re: Expensive DSLR through airport security

You're completely missing the point. the scanners aren't an issue and nobody cares about your DSLR. You can leave in your bag. About half an hour later, somebody is going to take that bag containing your DSLR and toss it down a 15ft plastic ramp, and it's going to land on concrete. And then it's go...
by Keepcalm
Tue Jan 08, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Expensive DSLR through airport security
Replies: 45
Views: 3494

Expensive DSLR through airport security

I am bringing my Canon 5D Mark IV with a 24-70 2.8 II attached in my carryon. Thats roughly 5K worth of gear. Are they still requiring passengers put DSLR's in a separate bin for security? I know laptops still need to be seperated. Something about wheeling that thing through in plain site worries me...
by Keepcalm
Mon Jan 07, 2019 11:21 pm
Forum: Personal Consumer Issues
Topic: Engineer Co-op question
Replies: 14
Views: 1006

Engineer Co-op question

M.E student with prior background in Testing & Evaluation for multiple companies. I worked with engineers on problem solving through prototype in the firearms industry (I am 32). I am also a former Marine. My GPA sits at 3.3 and I have completed all general education along with Chem I, Solid Modelin...
by Keepcalm
Mon Jan 07, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: 30's couple FL vacation
Replies: 11
Views: 770

Re: 30's couple FL vacation

Question on the kayak tours. My S.O was a little curious/nervous on how the gator situation is when on a kayak. Of course being in their environment and also so low to the water in a kayak I am also a little curious.

Isn't it coming up on mating season as well? Agression?
by Keepcalm
Mon Jan 07, 2019 2:39 am
Forum: Personal Consumer Issues
Topic: 30's couple FL vacation
Replies: 11
Views: 770

30's couple FL vacation

We have a place to stay in Sarasota free of charge. We are debating on whether we should make use of this and stick to that area, or to take a few days to travel over to Miami and then down to Key West. We are in FL for 7 days, if need be we could extend the trip with an airline fee. My thought was ...
by Keepcalm
Sat Jan 05, 2019 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Side gig lens rentals? [camera lens]
Replies: 10
Views: 1070

Side gig lens rentals? [camera lens]

Weekly rental of certain lenses most would love to utilize for a vacation but not fork the 2k+ out for retail?

Market rate seems to be 100/week for something such as the 70-200 Canon

so you spend say 6-10k on higher end lenses and rent each for 100/week.

thoughts?
by Keepcalm
Sat Jan 05, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 3044

Re: Carryon for 7-day FL vacation?

Bulkiest things are DSLR + Zoom Lens & my French Press.
by Keepcalm
Sat Jan 05, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 3044

Carryon for 7-day FL vacation?

Am I dreaming to think I can get away with a carryon?
by Keepcalm
Thu Jan 03, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: Canon 100-400 zoom lens
Replies: 29
Views: 1287

Re: Canon 100-400 zoom lens

Vacations and street. I also hike a lot and the terrain here is high..alot of 4k+ footers so when your up top taking snaps with a 24-70 can be unsatisfying... let me rephrase that.....its a lot of elevation gain....you normally start at 1200 feet around here for the 4k+ footers. so your going above ...