I am adding a garage and upgrading the sevice to 400 amps. I have a new 400 amp meter socket. from there I plan to run (2)- 3 conductor se cable via conduit to 2 seperate 200 amp main breaker disconnects in rain proof enclosures on the outside of my house @ 2 feet from meter. One of these will feed the existing main panel and the other will eventually feed a new panel once I get the structure dried in. I am doing things this way because by the grace of someone I am not being charged to run new sevice cable to the house, @ 2000.00 dollars worth. My question is once I hit the disconnect do I ground there and bond them, and then feed the panels with 4 wire and keep all seperate or do I run 3 wire to the panels and then ground and bond at that point. I am using the existing panel that is currrently bonded and it is inside and @15 feet from where the disconnect will be outside. I am John and I am a general contractor but this is my house and I am doing the work to keep costs down. I asked a friend who is an electrician but can be a flake. I read the threads and thoroughly confused myself. He said 3 wire from the disconnects and ground and bond the panels with no ground in the disconnects (waterproof main breaker boxes) Is he correct in what he told me??? Both panels will have there own main (redundant but will help get it done now to save big$$$$