Search found 61 matches

by beastykato
Sun Sep 15, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: Phones with longest battery life?
Replies: 18
Views: 1535

Re: Phones with longest battery life?

3rd Vote for the G7 Power. Unless you're a gamer or something that needs some huge amount of power in your phone, buying all these flagship phones is a total waste of your money. My G7 Power lasts me 4 full days, even my son who plays games on his lasts a day and a half for him. We recently went on ...
by beastykato
Sun Sep 15, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: Laptop for a child?
Replies: 19
Views: 1458

Re: Laptop for a child?

Me personally, I'd steer you towards an real Windows laptop. I think a previous poster mentioned a Thinkpad or a refurbished Dell would be a good choice. You can buy the Dell's direct from their refurbished site on discounts constantly. I'd definitely get a smaller screen on it so that the laptop ov...
by beastykato
Fri Sep 06, 2019 4:22 am
Forum: Personal Consumer Issues
Topic: Geico vs Geico Insurance Claim. Can someone shed some light?
Replies: 6
Views: 938

Re: Geico vs Geico Insurance Claim. Can someone shed some light?

Thanks for the responses. An adjuster is coming out to my home this week to give me the estimate on the damages. I may just go ahead with fixing it and trying to get reimbursed afterwards depending on the extent of the damages that he assesses. As far as going after them myself I really am just not ...
by beastykato
Wed Sep 04, 2019 3:40 pm
Forum: Personal Consumer Issues
Topic: Geico vs Geico Insurance Claim. Can someone shed some light?
Replies: 6
Views: 938

Geico vs Geico Insurance Claim. Can someone shed some light?

My girlfriend was in a car accident in Pennsylvania where she was in the right hand lane at an intersection turning right. The car behind her got impatient, broke the white line of the road to use the shoulder to go around her, and then as my girlfriend was initiating her right hand turn slammed int...
by beastykato
Mon Apr 15, 2019 3:35 am
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 25788

Re: Crypto bulls are back. Are you getting in?

So many naysayers. I'm not sure what will end up happening and if crypto will pan out, butI most definitely do own some. People are making fun of the huge drop in value, but that was a very narrow time frame. If you purchased Bitcoin at almost any other point than that huge run up you are still posi...
by beastykato
Thu Apr 04, 2019 5:04 am
Forum: Personal Consumer Issues
Topic: Universal Orlando Trip In June 2019
Replies: 34
Views: 2240

Re: Universal Orlando Trip In June 2019

We went last year, in my opinion 5 days is way too much. Pretty much finished the park in the early afternoon, which was nice as it made for a relaxing evening. Made every ride, and our favorites 2-3 times. We stayed onsite at Royal Pacific only one night, you can get your express pass in the morni...
by beastykato
Thu Apr 04, 2019 4:58 am
Forum: Personal Consumer Issues
Topic: Universal Orlando Trip In June 2019
Replies: 34
Views: 2240

Re: Universal Orlando Trip In June 2019

Thanks for the reply. Ok, so honestly I can stay across the street at the holiday inn for 5 nights for like $279. I have a bunch of IHG points that will cover everything except that. The snag I ran into though was when I looked up the tickets separate on the universal site with the express pass comb...
by beastykato
Thu Apr 04, 2019 3:47 am
Forum: Personal Consumer Issues
Topic: Universal Orlando Trip In June 2019
Replies: 34
Views: 2240

Universal Orlando Trip In June 2019

I'm just looking for some advice and input on a trip I'm taking to Universal. It will consist of 1 week for my girlfriend and I and our two kids. My son is 9 and her daughter 10. So far, I've went everywhere I can think of and everyone comes out at pretty much the same price. For me to fly from Pitt...
by beastykato
Thu Mar 14, 2019 4:39 pm
Forum: Personal Consumer Issues
Topic: Graphics problems
Replies: 8
Views: 539

Re: Graphics problems

You might want to look up some stuff about the latest windows update that got pushed out. I remember reading a few days ago that there were some sort of graphics issues being reported with it in video games. I don't know if that's your issue because it specifically mentions errors in video games and...
by beastykato
Thu Mar 14, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: another Honda/Takata recall
Replies: 10
Views: 1346

Re: another Honda/Takata recall

Yeah, and we drove around with these "fixed" air bags for how long? I [lost it --admin LadyGeek] on the phone with them when they told me no rental and to not carry passengers in my vehicle. What gets me is my Honda Rigeline was taken in for the air bag fix right around the same time my car was. Som...
by beastykato
Thu Mar 14, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: another Honda/Takata recall
Replies: 10
Views: 1346

Re: another Honda/Takata recall

Honda dealer denied me a rental for this again. They tried to last time as well. They told me shrapnel can blow into my passengers face and just don't put anyone there or anything heavy on the seat that could trigger it. Hate dealing with Honda on any issue. People should not even be in these cars i...
by beastykato
Sat Mar 02, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: specs needed for laptop
Replies: 24
Views: 1310

Re: specs needed for laptop

Dell refurbs have a grading system A,B,C etc to tell you what type of condition they are in. I assume other companies use a similar system. I personally only have experience with Dell and have had no issues with the computers I've bought refurb. With that said they are not for everyone. I do want to...
by beastykato
Fri Mar 01, 2019 6:10 pm
Forum: Personal Consumer Issues
Topic: specs needed for laptop
Replies: 24
Views: 1310

Re: specs needed for laptop

I largely disagree with the previous statement about being on an antiquated processor and ram. People greatly exaggerate the usefulness of these "new" processors. In fact, there has been very little IPC (instructions per clock) increase on Intel's end since the 4th generation came out. You can run a...
by beastykato
Fri Mar 01, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Basic desktop computer and specs suggestions
Replies: 17
Views: 824

Re: Basic desktop computer and specs suggestions

As many have said, any computer will be able to do the tasks your asking for even a 10 year old PC will not have any issues with this type of work. I've got a PC with an AMD FX-6300 (which are arguably very slow processors and similar to whats in the Microsoft Xbox) and it's still easily capable of ...
by beastykato
Sun Feb 24, 2019 4:25 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 177269

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Do you think the known issue has lowered the value of your sisters car? Honda would do the same thing for the 3rd owner of the car at 100K? You do make a fair point I will admit. She is at least the second owner. As far as the car value: The 4cyl (which had no issues) has a trade in value of $7,305...
by beastykato
Wed Sep 26, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 8057

Re: My Very First Smartphone — Please Critique This Plan

I second the recommendation for Cricket. AT&T service is very good in most places and if you become a data user their unlimited plans are nice and cheap. The family plan is especially good. I believe it's $100 or $110 for 4 unlimited phones off the top of my head. They do throttle the data speed, bu...
by beastykato
Wed Sep 26, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 9051

Re: Oil change interval for low-mileage vehicles

Above Once again twisting the words. I did say that "just follow the manual" is a weak bogus defense and it is. I did not recommend that you go out and purposefully void your warranty. You yourself say a dino oil is recommended in Mexico, because of availability, not because it is a better oil for ...
by beastykato
Tue Sep 25, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 9051

Re: Oil change interval for low-mileage vehicles

The defense that people use of just listening to the manufacturer is bogus. All their millions and blah blah blah spent on research. So you're suggesting people void their factory warranty by ignoring the manufacturer's suggested maintenance? And instead they should use anonymous internet posters s...
by beastykato
Tue Sep 25, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 9051

Re: Oil change interval for low-mileage vehicles

Please correct me if I'm wrong but those oil life monitors are only suggestions in my book. They don't know what type of oil or filter you are using. Those numbers are based on mileage, trip length, temperature, etc. But they don't know whether I am putting conventional or synthetic oil in. I'm pre...
by beastykato
Tue Sep 25, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 9051

Re: Oil change interval for low-mileage vehicles

The defense that people use of just listening to the manufacturer is bogus. All their millions and blah blah blah spent on research. Look up the engine you have. Now look up that very same engine being used in different parts of the world. They use different oil weights and often much thicker oil we...
by beastykato
Tue Sep 25, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 177269

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I am so glad that Honda is finally coming to light in the public with a lot of their reliability issues. I was a Honda fanboy since high school. I've got Honda lawn mowers, dirtbikes, Civic, Accord, and Ridgeline, snow blower, pressure washer. I mean you name it, I've made Honda a small fortune, and...
by beastykato
Sat Sep 22, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 114
Views: 11486

Re: Amazon Prime - Value?

Prime has been going down the tubes for some time now. We purchase a lot of video games. I used to play a lot before adulting and the kids now play. They always had the best price on games, but have lost of the advantage there for pre-release discounts and release date delivery. They started making ...
by beastykato
Thu Aug 02, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicle Leasing...Again ;)
Replies: 23
Views: 2097

Re: Vehicle Leasing...Again ;)

Paying cash seems like the least attractive idea to me. Financing rates are so low I don't think I'd ever pay cash. Online savings accounts are paying almost 2% now and you can still get 0% financing from many manufacturers. Car dealers also don't like to budge on cash deals as much because there is...
by beastykato
Thu Aug 02, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicle Leasing...Again ;)
Replies: 23
Views: 2097

Re: Vehicle Leasing...Again ;)

Definitely thanks for the replies I've learned a lot from some of these very detailed responses. As for exaggerating costs associated with either I certainly didn't think I was. I am just going by what I read on leasehackr from the deals some of these people are getting. They definitely have to figh...
by beastykato
Thu Aug 02, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicle Leasing...Again ;)
Replies: 23
Views: 2097

Re: Vehicle Leasing...Again ;)

I honestly don't worry about the market going up and down. Since, I came here that's what have always learned and been taught here is to invest no matter what and not worry about the state of the market. I realize we me go through a period of little gains, but from being here I've learned to worry m...
by beastykato
Thu Aug 02, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicle Leasing...Again ;)
Replies: 23
Views: 2097

Re: Vehicle Leasing...Again ;)

The points are definitely noted. And I agree about the depreciation aspect. It just seemed to me that no one analyzes the opportunity cost of that money being tied up in a vehicle where in a lease it's free to be invested long-term. $455 just seemed like a lot of extra money for me to be able to inv...
by beastykato
Thu Aug 02, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicle Leasing...Again ;)
Replies: 23
Views: 2097

Vehicle Leasing...Again ;)

So, I've seen many topics here on leasing after doing a search. And I did read through a lot of them, but I didn't see anything specific to my question. My question simply boils down to this: If you have the money to make the financing payment on the vehicle you want would it not be better to lease ...
by beastykato
Sun Nov 12, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: HSA vs PPO Plan
Replies: 9
Views: 1419

Re: HSA vs PPO Plan

Went back to that calculator to double check what I read. And yes it says total tax rate was 5.64 total and marginal was 15%.
by beastykato
Sun Nov 12, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: HSA vs PPO Plan
Replies: 9
Views: 1419

Re: HSA vs PPO Plan

Yes, you're correct on premiums. I'm not sure where I got 540. Must have hit the wrong key on the calculator. I'm at work, still even today, so I'm a bit distracted while replying. Anyway, yes my other accounts are maxed. So, this is definitely the next logical step for me for tax advantaged account...
by beastykato
Sat Nov 11, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: HSA vs PPO Plan
Replies: 9
Views: 1419

Re: HSA vs PPO Plan

Sorry, I get paid bi-weekly and the coverage is the same other than differences mentioned about prescriptions. So, $780 per year for PPO and $540 for the HDHP. I'm pretty sure I would have made out on the HDHP last year. It just scares me that if something expensive did happen the out of pocket is 4...
by beastykato
Sat Nov 11, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: HSA vs PPO Plan
Replies: 9
Views: 1419

Re: HSA vs PPO Plan

It's in the original post. The PPO is $30 per pay and the HSA is $18. I'm under contract for 6 years on that PPO plan. So, it's a lot better than most. Obviously, it doesn't provide the future investments of the HSA tho. Although, I could possibly just put that $6900 per year in a taxable account an...
by beastykato
Sat Nov 11, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: HSA vs PPO Plan
Replies: 9
Views: 1419

HSA vs PPO Plan

I'm on my phone so I apologize for any typos. My employer is finally offering us an HSA plan, but I'm not so sure I should take it and was hoping to get some opinions. My PPO is $30 per pay and is contract negotiated. My deductible is $600 with an OOP max of $2700 for both in and out or network comb...
by beastykato
Tue Jan 24, 2017 9:28 pm
Forum: Personal Investments
Topic: New To The Backdoor Thing. Help Me Understand.
Replies: 14
Views: 2216

Re: New To The Backdoor Thing. Help Me Understand.

Ok, so I think I've got a pretty good grasp on how the whole transfer works now. Much thanks for the clarification given thus far. Seeing as my income isn't high enough to fully max the $54000 combined, even with me contributing to the after-tax portion of my 401k, should I just use my Roth IRA as m...
by beastykato
Mon Jan 23, 2017 11:45 pm
Forum: Personal Investments
Topic: New To The Backdoor Thing. Help Me Understand.
Replies: 14
Views: 2216

Re: New To The Backdoor Thing. Help Me Understand.

Gotcha. Thanks for the clarification. Yeah, I'm referring to the Mega Backdoor. I do not make enough to exceed the limits for Roth IRA contributions. I typically get 70-100k/year and can usually at least claim a partial TIRA credit after 401k contributions. So, it's just that simple though? I contri...
by beastykato
Mon Jan 23, 2017 11:28 pm
Forum: Personal Investments
Topic: New To The Backdoor Thing. Help Me Understand.
Replies: 14
Views: 2216

Re: New To The Backdoor Thing. Help Me Understand.

I thought I had to roll the money from the After tax portion of my 401k to the Roth IRA? I'm not trying to roll the money in the 401k, I want to roll it out. My provider did say as I mentioned that I can transfer my After-tax portion to an IRA. Up to the $54,000 total limit I would assume. I'm very ...
by beastykato
Mon Jan 23, 2017 11:12 pm
Forum: Personal Investments
Topic: New To The Backdoor Thing. Help Me Understand.
Replies: 14
Views: 2216

New To The Backdoor Thing. Help Me Understand.

Ok, so I've read about the backdoor Roth stuff and I'm gonna start trying it this year. I've read so much that it gets kinda confusing having not went through the process before. So, just please help me out and make sure I'm not overlooking something. 1.) I called my employer 401k provider, Merrill ...
by beastykato
Mon Jan 16, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: How High is Your TV?
Replies: 41
Views: 4921

Re: How High is Your TV?

My 55" is mounted with the BASE of the TV at eye level and then the rest of the TV is above your head. When you sit in a chair, at least when we sit on our couch we lean back a little and the TV is usually tilt adjustable as well so you can angle it down at you.
by beastykato
Mon Jan 16, 2017 8:57 pm
Forum: Personal Investments
Topic: Maxed accounts... what do I do in taxable?
Replies: 12
Views: 2705

Re: Maxed accounts... what do I do in taxable?

The Roth IRA is maxed. I have $3k in the TIRA from previous years of claiming a partial tax credit.
by beastykato
Mon Jan 16, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Upgrade or just buy new? [Computer]
Replies: 44
Views: 3426

Re: Upgrade or just buy new? [Computer]

Holy cow! All these recommendations for Linux and stuff for a guy that doesn't know much about computers is crazy IMO. I'm well versed in building my own desktops and I personally do not recommend Linux. It is stable and secure and uses less resources than Windows, but it has a major learning curve....
by beastykato
Tue Jan 10, 2017 9:11 pm
Forum: Personal Investments
Topic: Maxed accounts... what do I do in taxable?
Replies: 12
Views: 2705

Re: Maxed accounts... what do I do in taxable?

I do still have some debt. All the school loans are currently paid off and I have a second vehicle now. Looked over that old thread and I've definitely simplified my portfolio from where I was at that time. Mortgage is 129k @ 3.25% Auto Loan is 16K @ 1.99% So, nothing with a high enough rate that I ...
by beastykato
Mon Jan 09, 2017 9:12 pm
Forum: Personal Investments
Topic: Maxed accounts... what do I do in taxable?
Replies: 12
Views: 2705

Maxed accounts... what do I do in taxable?

Hi, love the board and always come back now and then to check back and make sure I'm doing my investing correctly by people who know much better than I do myself. I can say I'm pretty happy so far. My goal since finding this board and learning how to invest was to hit 100k before I was 30y/o and I'm...
by beastykato
Sun Jul 17, 2016 8:35 pm
Forum: Personal Investments
Topic: Investing through Loyal3?
Replies: 6
Views: 931

Re: Investing through Loyal3?

Loyal3 is a great place to invest. However, I prefer Robinhood, although they both have their limitations. The main weakness of Loyal3 is you can't sell when you want to a specific time in the market. If you execute a sell order because a particular stock you have jumped up 10% that day and you want...
by beastykato
Sat Mar 28, 2015 10:31 pm
Forum: Personal Investments
Topic: Beginning Dividend Investing For Passive Income
Replies: 14
Views: 3279

Re: Beginning Dividend Investing For Passive Income

Thanks. And I definitely learned most of what I know from here. My 401k and IRA are balanced based on all the principles that I have learned here. That article makes sense to me, although I would argue a few things against it just for the sake of discussion and/or my lack of knowledge. Capital gains...
by beastykato
Sat Mar 28, 2015 8:53 pm
Forum: Personal Investments
Topic: Beginning Dividend Investing For Passive Income
Replies: 14
Views: 3279

Re: Beginning Dividend Investing For Passive Income

I don't frequent this forum often enough to know what the general consensus is on dividend mantras blog. Am I good to follow in his footsteps or should I take some of the advice already given here and put my money into a mutual fund to generate passive income? I would like to do whichever is more li...
by beastykato
Sat Mar 28, 2015 7:28 pm
Forum: Personal Investments
Topic: Beginning Dividend Investing For Passive Income
Replies: 14
Views: 3279

Re: Beginning Dividend Investing For Passive Income

Well, I'm seeking to find the the best no/low cost broker. And generate as much income as I possibly can. I do not expect this over night, but within 4-5 years I would hope to be getting an extra 400-800/month. I intend on continuing to grow this taxable investment until I either retire early or end...
by beastykato
Sat Mar 28, 2015 7:11 pm
Forum: Personal Investments
Topic: Beginning Dividend Investing For Passive Income
Replies: 14
Views: 3279

Beginning Dividend Investing For Passive Income

Hi, I have become very interested in generating passive income for me to both use as a investment vehicle and someone I can use to generate monthly usable income prior to retirement age. I've been following dividend sites such as Dividend Mantra and it seems like that guy is doing pretty well for hi...
by beastykato
Fri Dec 20, 2013 6:39 am
Forum: Personal Investments
Topic: 26y/o in 25% bracket should I even be doing Roth IRA?
Replies: 14
Views: 2212

Re: 26y/o in 25% bracket should I even be doing Roth IRA?

This is a copy and paste job from my companies site so I hope it shows up well. These are the funds that I have available to me in my 401k in case this plays are role in sticking with my Roth at Vanguard. Also, if I should change my allocations from what they currently are listed at below please hel...
by beastykato
Fri Dec 20, 2013 6:29 am
Forum: Personal Investments
Topic: 26y/o in 25% bracket should I even be doing Roth IRA?
Replies: 14
Views: 2212

26y/o in 25% bracket should I even be doing Roth IRA?

I've been doing a lot of reading lately and am starting to question the likelihood that I'll receive any advantage in the future with a Roth IRA, especially considering I'm already above the 15% tax bracket at my age. I currently hold ~50k in retirement. 20k of that is in my 401k and 30k in my Roth ...
by beastykato
Sat Oct 26, 2013 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Best careers for people about to enter college?
Replies: 69
Views: 7453

Re: Best careers for people about to enter college?

I think someone already mentioned it, but stay away from Biology/Chemistry unless you have a very clear path you are intent on following. I was going to pharmacy school, but then I had my son and his mother and I split up. I did not want to be a dead beat father and leave him so I declined the invit...
by beastykato
Sat Mar 30, 2013 11:09 am
Forum: Personal Investments
Topic: Helping my mom out...advice?
Replies: 2
Views: 625

Helping my mom out...advice?

My mom is 53 and has never really been involved much with her stocks at all. I am looking at her funds now and want to reallocate them to something that better suits her age. A list of her available funds are below. The ones her company had her allocated in are FID puritan and BLKRK EQUITY DIV A wit...