Search found 419 matches

by Cheyenne
Sat Oct 27, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: "consultation fee": standard for preventative colonoscopy?
Replies: 61
Views: 3418

Re: "consultation fee": standard for preventative colonoscopy?

At least you know about it in advance. During my last colonoscopy I was more concerned about the possibility that an "out of network" provider would stroll into the room and I'd get a surprise four-figure bill for that.
by Cheyenne
Fri Oct 26, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Sound reduction in large house
Replies: 17
Views: 2074

Re: Sound reduction in large house

We applied sound absorbing dry wall over existing walls in two rooms. It reduces the sound traveling through the wall but I'm not sure about reflections in the same room.

https://www.acousticalsurfaces.com/soun ... dbreak.htm
by Cheyenne
Mon Oct 22, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 113
Views: 6933

Re: Depositing Cash if it was gifted?

After reading this thread one might conclude that doing business with a bank today could result in:

1. making you the subject of a criminal investigation and possibly a convicted felon.
2. making you a victim of theft by having you money taken from you.

Remarkable
by Cheyenne
Fri Oct 19, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 113
Views: 6933

Re: Depositing Cash if it was gifted?

I'll bet there's probably more cash in other places in the house. (My in-law put a deceased's persons stuff in the front yard for a yard sale, then started going through the pockets. After they found several hundred dollars, they pulled all the clothes inside for another time. The original family d...
by Cheyenne
Fri Oct 19, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 113
Views: 6933

Re: Depositing Cash if it was gifted?

Last year a customer purchased something from my business with about $4,000 in cash. When I went to deposit it the bank officer asked me where I got it, so I don't deposit cash anymore.
by Cheyenne
Mon Oct 15, 2018 6:38 am
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 66
Views: 7802

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

My apologies. In my earlier post I wrote "No false alarms with MOTION SENSORS (my caps). "That was incorrect. What I meant to write was "No false alarms with ENTRY SENSORS." But, the entry sensors need to have their batteries removed and replaced occasionally in order to arm the system. We have had ...
by Cheyenne
Sun Oct 14, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 66
Views: 7802

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

Were your false alarms from entry sensors?
No false alarm with the motion sensors. However, on occasion when arming the system, it reports that a motion sensor is not ready. Then I remove and reinstall the batteries. That seems to work.
by Cheyenne
Sun Oct 14, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Facebook account hacked
Replies: 5
Views: 991

Re: Facebook account hacked

I hope mine gets hacked. That will motivate me to delete for good.
by Cheyenne
Sun Oct 14, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 66
Views: 7802

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

cold_roses wrote:
Tue Oct 02, 2018 2:00 pm
...Simplisafe... ...have had two false alarms...
Me too - unacceptable.
by Cheyenne
Sat Oct 13, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: If someone keeps 500K in two different FDIC insured bank accounts, 250K at each, are they still covered?
Replies: 8
Views: 1161

Re: If someone keeps 500K in two different FDIC insured bank accounts, 250K at each, are they still covered?

The lottery commission is going to hand you a single check...
Well, maybe I'll just cash it then (if it happens). :D
by Cheyenne
Sat Oct 13, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: If someone keeps 500K in two different FDIC insured bank accounts, 250K at each, are they still covered?
Replies: 8
Views: 1161

Re: If someone keeps 500K in two different FDIC insured bank accounts, 250K at each, are they still covered?

So I guess that means if someone wins $10 mil. in the lottery and wants to park it temporarily, they will need accounts at 40 banks. Right?
by Cheyenne
Fri Oct 12, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security System
Replies: 55
Views: 8536

Re: Simplisafe Home Security System

BashDash wrote:
Fri Oct 12, 2018 1:31 pm
I have read that the Key Orb is very sensitive and pressed easily accidentally. Anyone have any experience with that?
I keep it on my night stand. If I carried it somewhere I'd put it in some type of case. I wouldn't put it in my pocket.
by Cheyenne
Sat Oct 06, 2018 6:11 am
Forum: Personal Consumer Issues
Topic: Sending Gift Card to Germany
Replies: 2
Views: 190

Re: Sending Gift Card to Germany

Thanks!
by Cheyenne
Sat Oct 06, 2018 6:04 am
Forum: Investing - Help with Personal Investments
Topic: Retired 66 year old
Replies: 10
Views: 2259

Re: Retired 66 year old

Welcome to the forum. You will find a lot of helpful advice here. It's recommended that you explore and read the information on this site before making any investment decisions. However, I'm also 66 and am invested in the Vanguard Wellesley Income Fund. Some would suggest that that would be appropri...
by Cheyenne
Sat Oct 06, 2018 5:54 am
Forum: Personal Consumer Issues
Topic: Sending Gift Card to Germany
Replies: 2
Views: 190

Sending Gift Card to Germany

A German friend is getting married and I want to send him a gift card (store card or pre-paid credit card) but from what I've read it's not permitted to mail a card due to anti-money laundering laws. I visited an Aldi store (a German company with stores in Germany) and asked them if I could purchase...
by Cheyenne
Sat Oct 06, 2018 5:43 am
Forum: Personal Consumer Issues
Topic: Found credit cards - annoying interaction with Bank of America
Replies: 31
Views: 3554

Re: Found credit cards - annoying interaction with Bank of America

If someone calls you to "return" something of yours, be sure it's in a safe public place, and that you're not setup to be victimized again. Take it to the police. If you contact the owner they might accuse you of taking money out of it. It's a common scam: a person walking in front of you will appe...
by Cheyenne
Thu Oct 04, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2141

Re: AARP UnitedHealthCare Plan G

I also have Plan N. I don't mind paying an occasional copay in exchange for having a lower premium. Plan N does not pay Doctor's Excess Charges, but in my state (PA) Doctors are not permitted to charge those. If I remember correctly OH is the only other state with that restriction.
by Cheyenne
Thu Sep 20, 2018 5:42 am
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 66
Views: 7802

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

RickBoglehead wrote:
Thu Sep 20, 2018 4:40 am

(Simplisafe)

Wireless sensors have issues from time to time and require batteries.
Our Simplisafe motion sensor and smoke sensor both triggered false alarms. Unacceptable IMO.
by Cheyenne
Fri Sep 14, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 4009

Re: Is home alarm monitoring worth it?

Just make it look like someone is home. Most TV's are efficient, so leave one on when you're not home. Leave some lights on, radio etc. You can also put up some fake signs, maybe even a fake camera or two, put up a beware of dog sign. So they smash and grab the TV Radio Shack used to sell more alar...
by Cheyenne
Mon Sep 10, 2018 7:23 am
Forum: Personal Consumer Issues
Topic: Singing/Voice Classes
Replies: 20
Views: 1403

Re: Singing/Voice Classes

dziuniek wrote:
Mon Sep 10, 2018 6:47 am
Just curious if it's possible to go from zero to at least acceptable in a few years.
If you displayed musical talent at an early age it's most likely possible if you work at it. The only way to know for sure is to take instruction for a while (a few weeks or months) to see how it goes.
by Cheyenne
Tue Sep 04, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: BH Musicians, your feedback for the violin noobie?
Replies: 9
Views: 647

Re: BH Musicians, your feedback for the violin noobie?

There's a definite improvement. It's more natural and musical sounding, with better intonation as well. You obviously understand that progress on a musical instrument is dependent on you, the student. The teacher can only provide the tools, inspiration and guidance. Some string players have found si...
by Cheyenne
Fri Aug 31, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: Piano for a child
Replies: 60
Views: 3254

Re: Piano for a child

Pacman wrote:
Thu Aug 30, 2018 1:56 pm
You can likely get a free piano on craigslist, if you can find a way to transport it out of the person's home. You will have to pay money to get it tuned though.
If it's free it might not hold a tuning. It's a good idea to have a piano examined by a technician/tuner before spending anything on it.
by Cheyenne
Wed Aug 29, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Need recommendation for home alarm system
Replies: 48
Views: 4406

Re: Need recommendation for home alarm system

Another satisfied SimpliSafe customer here. I will say though, the motion sensors are way too sensitive if you have pets. I tried all the tricks to get them to ignore pet activity, but gave up in the end and just took them down. We now just use the entry and glass break sensors. We have an old hard...
by Cheyenne
Mon Aug 27, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: bank safety deposit box alternative
Replies: 17
Views: 1709

Re: bank safety deposit box alternative

Every time I have the septic tank pumped I get ideas about hanging things. Well, then again....
by Cheyenne
Fri Aug 24, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Woodstock
Replies: 49
Views: 6656

Re:

bmb wrote:
Tue Aug 18, 2009 9:26 pm
Crosby, Stills, Nash and Young were unknowns...
Unknown as a group perhaps but Crosby had been in the Byrds, Nash in the Hollies, and both Stills and Young in Buffalo Springfield.
by Cheyenne
Fri Aug 24, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Woodstock
Replies: 49
Views: 6656

Re: Woodstock

I attended the Atlantic City Pop Festival (Aug. 1,2 3, 1969) with some friends. Then they went to Woodstock without me. I passed because I couldn't imagine it would be bigger than A/C. Based upon their reports at the time, I made the right decision. It was pretty miserable with the mud and all.
by Cheyenne
Sun Aug 19, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 66
Views: 6378

Re: Sellers beware on eBay.

I've been selling on and off (and buying a few things) on eBay for about 20 years. I have over 40 auctions running right now and my feedback rating is around 600. I've never experienced any significant problems. Maybe I'm lucky. Once a buyer said he did not receive the item so I just issued a refund...
by Cheyenne
Sun Aug 19, 2018 6:29 am
Forum: Personal Consumer Issues
Topic: Opinions and experiences with Verizon Prepaid?
Replies: 14
Views: 1101

Re: Opinions and experiences with Verizon Prepaid?

One small difference between Verizon Postpaid and Prepaid is the procedure for switching handsets. Some people have multiple phones and with Postpaid one simply swaps the SIM card between phones and the system immediately recognizes the new one. But, with Prepaid one must contact customer service to...
by Cheyenne
Fri Aug 17, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 124
Views: 7781

Re: Reckless driving ticket in VA-Help!

andyandyandy wrote:
Fri Aug 17, 2018 4:29 pm

My main worry is 'reckless driving' seems to be crime in VA - which may affect any job changes or Secret Clearance needed for Govt jobs here!
A Reckless Driving conviction in some circumstances can also deny one entry to Canada. A DUI definitely will.
by Cheyenne
Sun Aug 12, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: How do billionaires reduce taxes?
Replies: 7
Views: 1181

Re: How do billionaires reduce taxes?

Bank of Cyprus?
by Cheyenne
Mon Aug 06, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6906

Re: "Dollar Tree Store" favorites

Guaifenesin liquid expectorant (Tussin Mucus & Chest Congestion) 4 oz. bottle. It costs $4 to $5 each elsewhere.

Laser pointers.

Reading glasses. I keep a pair in the cars and all over the house.
by Cheyenne
Mon Aug 06, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6906

Re: "Dollar Store" favorites

Greeting cards.
by Cheyenne
Fri Aug 03, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4467

Re: Ticks and common sense?

DW and I have both been treated for Lyme Disease about 6 times each (I actually have lost count). We live is a rural area in one of the active states and one can take precautions but ticks are everywhere outside here. If you see a rash (not always the classic bulls-eye) or if you experience flu-like...
by Cheyenne
Tue Jul 31, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 8109

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

I timed my early filing wrong. I filed for early benefits and knew that I would have to pay some back because I was still working, but I made the mistake of beginning benefits in the month of November. So, the first two payments I received (Nov. and Dec.) I had to pay back in full because they go by...
by Cheyenne
Sat Jul 14, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 62
Views: 9251

Re: Be Careful Using Mailboxes

I have observed the mail box at our post office full to the top on a Sunday night when letters were visible in the slot and one could easily grab a hand full.
by Cheyenne
Sun Jul 08, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible Funds (I want to be socially irresponsible)
Replies: 34
Views: 2163

Re: Socially Responsible Funds (I want to be socially irresponsible)

On general principles, every tool does one thing best. Another saying is "no slave can serve two masters". My view of an investment: it can either do a good job achieving my financial goal or a social responsibility goal, but not both. So for me, if I wanted to feel better about myself, I would go ...
by Cheyenne
Thu Jul 05, 2018 6:32 am
Forum: Personal Consumer Issues
Topic: Tipping at non sit down places
Replies: 94
Views: 8740

Re: Tipping at non sit down places

No way. What would I be tipping for? to insure the cook staff doesn't mess with your food Rather than tipping to insure the cook staff doesn't mess with your food I would like to see cameras in kitchens where food is prepared so diners can watch on their phones. After all, most restaurants have spy...
by Cheyenne
Sun Jul 01, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...1.5 years later
Replies: 199
Views: 29499

Re: Learning Violin as an adult...1.5 years later

Very nice. I'm glad you stayed with it. I read some of your earlier posts. I'm a music teacher and would be interested in knowing how much you practice, if you practice slowly, and if you sing. I've heard that in Europe every student is required to learn how to sight sing before beginning the study...
by Cheyenne
Sun Jul 01, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...1.5 years later
Replies: 199
Views: 29499

Re: Learning Violin as an adult...1.5 years later

Very nice. I'm glad you stayed with it. I read some of your earlier posts. I'm a music teacher and would be interested in knowing how much you practice, if you practice slowly, and if you sing. I've heard that in Europe every student is required to learn how to sight sing before beginning the study...
by Cheyenne
Sun Jul 01, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...1.5 years later
Replies: 199
Views: 29499

Re: Learning Violin as an adult...1.5 years later

Very nice. I'm glad you stayed with it. I read some of your earlier posts. I'm a music teacher and would be interested in knowing how much you practice, if you practice slowly, and if you sing. I've heard that in Europe every student is required to learn how to sight sing before beginning the study ...
by Cheyenne
Sat Jun 30, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Considerations in selecting a hearing aid
Replies: 21
Views: 1672

Re: Considerations in selecting a hearing aid

DW got hers at Costco <> 5 years ago and is happy with them.
by Cheyenne
Sat Jun 30, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Should I replace my water heater?
Replies: 50
Views: 3377

Re: Should I replace my water heater?

Is the valve to the hot water heater working? I believe so. We have hard water from a well and every 5 to 10 years the hot water gets really hot and that signals that white power (calcium carbonate?) has accumulated on the bottom of the tank, and we have someone drain the heater and remove the chal...
by Cheyenne
Sat Jun 30, 2018 7:05 am
Forum: Personal Consumer Issues
Topic: Should I replace my water heater?
Replies: 50
Views: 3377

Re: Should I replace my water heater?

We have an electric water heater that we installed 33 years ago and occasionally when we have a contractor here, be it a plumber, well pump servicer or electrician, etc., they express their amazement that it still works, but none has ever recommended replacing it. Are we playing with fire?
by Cheyenne
Sat Jun 30, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: [Do you subscribe to Consumer Reports?]
Replies: 31
Views: 3055

Re: [Do you subscribe to Consumer Reports?]

I'm a long time subscriber - print and online - to Consumer Reports. I think about ending it every year but haven't yet.
by Cheyenne
Sat Jun 30, 2018 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Missed June estimated tax payment deadline. Now what?
Replies: 17
Views: 2217

Re: Missed June estimated tax payment deadline. Now what?

A tax preparer told be some years ago that some of his clients refused to make estimated payments and just paid the full amount including penalties "interest" at the end of the year.
by Cheyenne
Thu Jun 28, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 35846

Re: What is/ was your career and would you recommend it now?

Artistic polymath, raconteur, dilettante, professional knave. Have you ever considered adjacent markets such as rascal, scoundrel or rogue? Absolutely, but more as a hobby. In my retirement, I haven't yet decided whether to become a ne'er do well or a blackguard. To be the latter requires a lot mor...
by Cheyenne
Thu Jun 28, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 35846

Re: What is/ was your career and would you recommend it now?

Professional musician. Recommended. What type of music and instrument? Classical Guitar. Independent now but formerly affiliated with Universities and colleges. My son-in-law is a classical pianist. Has a Bachelors, Masters, and Doctorate in music. He's been trying to get a faculty position with no...