Search found 473 matches

by Cheyenne
Thu Jul 11, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Avoid MD-88s [commercial aircraft]?
Replies: 61
Views: 3136

Re: Avoid MD-88s [commercial aircraft]?

I'm a former airline pilot and I'd fly on an MD-88 (or DC-3) sooner then a 737 Max 8.
by Cheyenne
Tue Jun 25, 2019 5:31 am
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 4372

Re: Triage in ER - charged $790

...When you walk into the ER, you are paying for them to handle everything and anything that could happen to you. +1 Today's emergency room services are a bargain when you consider the alternative of them not being available. If your insurance covered the visit you wouldn't be upset at all. With an...
by Cheyenne
Wed Jun 12, 2019 7:10 am
Forum: Personal Consumer Issues
Topic: Cost of mini split installation? [Ductless Air Conditioning/ Heat]
Replies: 36
Views: 3086

Re: Cost of mini split installation?

We had five single Mitsubishi mini split units installed 2 years ago for about $17,500 ($3,500 each). That price included a fair amount of electrical work with a new box and wiring. Plus, two units in the front of the house have the exterior modules outside the back of the house and that required a ...
by Cheyenne
Fri May 31, 2019 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Forgot to mail check to IRS for taxes ($4000) - what now
Replies: 24
Views: 2782

Re: Forgot to mail check to IRS for taxes ($4000) - what now

Some years ago I mailed my tax return and payment via Registered Mail prior to April 15th and soon received the signed Registered Mail receipt. I then noticed that my check wasn't presented for a few weeks, and I received a letter and a bill from the IRS stating that I paid late and owed a small pen...
by Cheyenne
Thu May 16, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Should I replace Prius Hybrid Battery?
Replies: 44
Views: 3739

Re: Should I replace Prius Hybrid Battery?

$2600 for a battery replacement with a 3 year warranty is a fantastic deal.
+1
by Cheyenne
Tue May 14, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pay myself for pilot training or invest them?
Replies: 18
Views: 1239

Re: Pay myself for pilot training or invest them?

As someone who juggled two careers (one as an airline pilot) my advice would be to accept the education your folks are willing to pay for, and pursue your aviation desires in tandem, paying you own way as you can. That way you'll have options. The allure of flying for a living is powerful for a youn...
by Cheyenne
Sun May 12, 2019 7:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Wellington and Wellsley over the last 20 years
Replies: 60
Views: 6997

Re: Vanguard Wellington and Wellsley over the last 20 years

dbr wrote:
Sun May 12, 2019 6:51 pm
Cheyenne wrote:
Sun May 12, 2019 7:50 am
Would it make sense to hold 50% of each?

50% Wellesley
50% Wellington
It would if you wanted the kind of assets and management those funds give you but you wanted to hit an asset allocation between the two.
Your reply did answer my question. Thanks.
by Cheyenne
Sun May 12, 2019 7:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard Wellington and Wellsley over the last 20 years
Replies: 60
Views: 6997

Re: Vanguard Wellington and Wellsley over the last 20 years

Would it make sense to hold 50% of each?

50% Wellesley
50% Wellington
by Cheyenne
Wed May 08, 2019 8:15 am
Forum: Personal Investments
Topic: Voya financial - Why would anyone use them?
Replies: 40
Views: 4015

Re: Voya financial - WHY WOULD ANYONE USE THEM?

I have term life insurance through Voya. It was an ING Group policy, bought when I was much younger and in great shape (thin, exercising daily, etc.). I got a fantastic deal at the time, although fortunately my family hasn't benefitted (yet) from that policy, and I hope they never have to... :-) Th...
by Cheyenne
Fri May 03, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 136
Views: 6148

Re: [On-going Scams - Post them here]

This is the first time I have seen phishing with a PDF attachment. I get several fishing attempts with attachments about every month from shippers (UPS, DHL, etc.). I've thought about setting up an old computer as a dedicated scam machine that's not attached to anything so I can click the attachmen...
by Cheyenne
Sun Apr 28, 2019 8:50 pm
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 5506

Re: Boglehead Pilots...advice

And, get life insurance if you have family, and make sure it will cover you if you crash while at the controls (versus being a student or co-pilot). As I recall, mine would not cover me and the rider for that coverage was ridiculous. I've been flying for over 35 years and I pay the life insurance a...
by Cheyenne
Fri Apr 26, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Received money from Wells Fargo.
Replies: 33
Views: 3547

Re: Received money from Wells Fargo.

My wife banked at the WF bank in our town for years. She has a small business. A few weeks ago they wanted to see ID in order for her to deposit $160 in cash receipts into her business account. A week later they wanted to see ID for her to deposit an $80 check into her business account. These are te...
by Cheyenne
Fri Apr 26, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: Best email client for Mac?
Replies: 13
Views: 1092

Re: Best email client for Mac?

I've bee using MS Office for Mac, Outlook 2007 for several years and like it very much. I believe MS has a newer version (2011?) They are pressuring me to upgrade to the subscription model so I recently tried Apple Mail for a few weeks and thought it was satisfactory, but some messages were not bein...
by Cheyenne
Thu Apr 25, 2019 12:16 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 324
Views: 40138

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

I haven't read this entire thread but thought I would share my Bitcoin story. When Bitcoin appeared (about 5 years ago I think) I decided that we needed to accept it as payment in our business (to be cool) so I opened an account with Coinbase and deposited $10.00 into it. I never used it and forgot ...
by Cheyenne
Mon Apr 15, 2019 9:04 am
Forum: Personal Finance (Not Investing)
Topic: how long to have mailed check cashed by IRS?
Replies: 13
Views: 1187

Re: how long to have mailed check cashed by IRS?

A few years ago I mailed mine on the 15th via Registered Mail. It wasn't cashed until about the 25th, and soon after I received a letter from the IRS stating that my payment was late. Included was a bill for about $8.00 in late charges. My Postmaster said the IRS doesn't honor Registered Mail receip...
by Cheyenne
Mon Apr 08, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: Solution for a thick wallet
Replies: 58
Views: 5269

Re: Solution for a thick wallet

I make a zerox copy of several cards (AARP, AAA, etc.) on a sheet of paper and fold it into my wallet to lighten the load.
by Cheyenne
Tue Mar 26, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: Screening Buyers of Goods on Craigslist
Replies: 30
Views: 2886

Re: Screening Buyers of Goods on Craigslist

I've sold large valuable items on Craigslist without problems. I state in the ad that they need to call me and that I won't reply to emails or texts. I use an IP phone number that has no personally identifiable information associated with it. That eliminates most of the scammers and pranksters, and ...
by Cheyenne
Tue Mar 26, 2019 7:30 am
Forum: Personal Finance (Not Investing)
Topic: [Retiring before 65: How do you deal with health insurance?]
Replies: 88
Views: 11410

Re: [Retiring before 65: How do you deal with health insurance?]

We used the ACA up until we reached age 65 two years ago. We were fortunate that the premiums were still affordable then.
by Cheyenne
Sun Mar 24, 2019 7:41 am
Forum: Personal Finance (Not Investing)
Topic: What to do when client doesn't pay and ignores you?
Replies: 29
Views: 3620

Re: What to do when client doesn't pay and ignores you?

I rent musical instruments and have had a few problems. One customer owed me $100 for a small guitar. I was unable to contact her and I filed a small claims suit that cost me about $60.00, but she could not be located and apparently had moved. Sometime later a local teacher told be the lady tried to...
by Cheyenne
Fri Mar 22, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Twitter [Is mobile number needed to register?]
Replies: 20
Views: 709

Re: Twitter

I've had a Twitter account since Sept. 2018 and never received a call from them. Robo calls haven't increased either. I resisted using Twitter for a long time but now I like it. You can customize it to suit your interests or needs by following whomever you want to. It's a good way to get breaking ne...
by Cheyenne
Sat Mar 16, 2019 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: AmEx Blue Cash Everyday Card
Replies: 26
Views: 2041

Re: AmEx Blue Cash Everyday Card

Some years ago Chase flat-out closed a credit card account that I hadn't used for some time, without even a prior notice. I have a few cards that I don't use much and I mark my calendar to buy gas or something about every 5 months on each.
by Cheyenne
Sat Mar 16, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Amica hiked my insurance, thoughts on alternatives?
Replies: 48
Views: 3951

Re: Amica hiked my insurance, thoughts on alternatives?

Insurance companies raise premiums different amounts for different people based upon "predictive modeling". They know approximately how much they can jack it up without you leaving based on everything they know about you, which is quite a lot.
by Cheyenne
Sat Mar 16, 2019 7:03 am
Forum: Personal Consumer Issues
Topic: Another Zenni question: Progressive lens?
Replies: 12
Views: 787

Re: Another Zenni question: Progressive lens?

Do they, or any mail order glasses seller, make trifocals?
by Cheyenne
Wed Mar 13, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Bright daughter wants to work for nonprofit
Replies: 103
Views: 8003

Re: Bright daughter wants to work for nonprofit

I know this is primarily a financial forum, but maybe money isn't everything to some highly intelligent people.
by Cheyenne
Wed Mar 13, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Travelers Home Insurance
Replies: 7
Views: 383

Re: Travelers Home Insurance

About two and a half years ago we received a special offer from our credit union for home and auto insurance with Travelers. Usually things like that go directly into the "round file" but out of curiosity I called the number. The rates they offered were about one third to one half of what were were ...
by Cheyenne
Sat Mar 09, 2019 8:17 am
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 200
Views: 15807

Re: Are Password Managers Really Necessary?

I'm a musician and I use the musical notes and symbols of songs for passwords. There is a certain way that I apply the characters including the key signature and meter, and it's easy to remember and not written down anywhere. I just have a list of accounts and their songs, e.g. account A: "Autunm Le...
by Cheyenne
Thu Feb 28, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Going to "cash-only" restaurants?
Replies: 109
Views: 4499

Re: Going to "cash-only" restaurants?

mmmodem wrote:
Thu Feb 28, 2019 12:33 pm
I hate using cash. They're filthy pieces of paper that have touched many hands.
I wash my hands after touching money and before I eat. I'm more concerned about touching restaurant menus, ketchup bottles, salt & pepper shakers and chairs after I wash my hands.
by Cheyenne
Thu Feb 28, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Going to "cash-only" restaurants?
Replies: 109
Views: 4499

Re: Going to "cash-only" restaurants?

Restaurants claim they do it to avoid credit card fees, but in reality it's to pocket extra cash and not have to pay the taxes on it. I used to have a acquaintance who was a retired IRS agent and he told me they operated on the assumption that ALL small businesses cheated on their taxes. So if it's...
by Cheyenne
Thu Feb 28, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Going to "cash-only" restaurants?
Replies: 109
Views: 4499

Re: Going to "cash-only" restaurants?

They are probably operating on a slim margin and the credit card fees really add up. I have no problem paying cash as long as they don't tell me after I already ate the meal. I appreciate a big sign on the door. +1 I have a small business and never understood why I have to pay a 3rd party 2% to 3% ...
by Cheyenne
Sun Feb 24, 2019 7:58 am
Forum: Personal Consumer Issues
Topic: Robocall from someone in my phone contacts?
Replies: 24
Views: 1861

Re: Robocall from someone in my phone contacts?

Rupert wrote:
Thu Feb 21, 2019 11:31 am
I once got a robocall from my own phone number.
+1
by Cheyenne
Sat Feb 23, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Wife filled our gas engine car with diesel fuel
Replies: 111
Views: 11539

Re: Wife filled our gas engine car with diesel fuel

This occasionally happens to airplanes that have piston engines with the word "Turbo" painted on the engine cowling as in turbo-charged and not meaning turbo-prop or gas turbine (jet) engine. The line service person fills it with jet fuel instead on gasoline, and the results can be far more serious ...
by Cheyenne
Sat Feb 23, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Bank Soft-Pull Credit Check Every Month for One Year?
Replies: 7
Views: 709

Bank Soft-Pull Credit Check Every Month for One Year?

I have a non-interest bearing checking account with a large bank that I have been affiliated with for over 15 years. They have a branch office conveniently located near me and I use the account for walk-in activities like cashing checks and depositing rolled coins, etc. It's funded with a modest mon...
by Cheyenne
Sun Feb 03, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: Mazda Miata as Daily Commute Fun Car?
Replies: 94
Views: 5189

Re: Mazda Miata as Daily Commute Fun Car?

I've owned two Miatas as my daily drive in past years. I hope to get another one sometime. They're a joy to drive, though not very good in the snow. I replaced the stock "buzzy" horn with an air horn to be able to announce my presence if needed. Once someone was backing up in a drive-up window line ...
by Cheyenne
Sat Jan 26, 2019 8:15 pm
Forum: Personal Consumer Issues
Topic: Desktop Computer (home): Do you leave it "On" or turn "off" after using?
Replies: 77
Views: 4713

Re: Desktop Computer (home): Do you leave it "On" or turn "off" after using?

I use an iMac and a PC in my home office. I turn my iMac off if I don't plan to use it for an hour or two because it boots up in 20 seconds. The PC I leave on all the time.
by Cheyenne
Fri Jan 18, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 196
Views: 21132

Re: What I spent in 6 months on medicare

carolynb2 wrote:
Thu Jan 17, 2019 8:11 pm

1) Humana requires you to e-sign BUT does not tell you that you can only do it on a laptop or PC using explorer. You get an error message if you try it on anything else and no explanation.
I enrolled in Humana's Rx Plan last year on an iMac with no problems.
by Cheyenne
Wed Jan 16, 2019 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Furloughed Fed Employee - How to make best use of time
Replies: 60
Views: 6149

Re: Furloughed Fed Employee - How to make best use of time

Call, write, email, text, fax and visit your Senators.
by Cheyenne
Wed Jan 16, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: End of an era - Boeing 727
Replies: 35
Views: 2502

Re: End of an era - Boeing 727

I've always had an affinity for tri-motors. The Ford is probably my favorite, but the 727 certainly has a place in my heart, too. I flew in a Ford Trimotor a few years ago. It flies just like an oversized Piper Cub. I flew in a Stinson tri-motor (like the Ford) and to my surprise the engine gauges ...
by Cheyenne
Fri Jan 11, 2019 8:48 am
Forum: Personal Consumer Issues
Topic: Best place to sell stuff?
Replies: 21
Views: 1728

Re: Best place to sell stuff?

1) Do NOT put your phone number in the listing. I do the opposite. When selling on Craigslist, I only accept phone calls because I can get a feel for the person by speaking with them. Texts are usually scams and come-ons so I never respond the them. I have a cheap cellphone number that has no Googl...
by Cheyenne
Mon Jan 07, 2019 7:09 am
Forum: Personal Consumer Issues
Topic: world war one research
Replies: 7
Views: 726

Re: world war one research

I located my Great-Great Grandfather's military records in the National Archives. However, they might not be open presently.
by Cheyenne
Sun Jan 06, 2019 9:51 am
Forum: Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1696

Re: TIPS Question

In this specific transaction, is the execution better with Schwab than Vanguard? You read my mind. I'd like to know that also. And another question: Would an investor invest in a TIPS fund rather than a bond fund to minimize the swings in value, and accept lower earnings in exchange? No because a T...
by Cheyenne
Sat Jan 05, 2019 6:09 pm
Forum: Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1696

Re: TIPS Question

In this specific transaction, is the execution better with Schwab than Vanguard?
You read my mind. I'd like to know that also.

And another question: Would an investor invest in a TIPS fund rather than a bond fund to minimize the swings in value, and accept lower earnings in exchange?
by Cheyenne
Sat Jan 05, 2019 3:27 pm
Forum: Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1696

Re: TIPS Question

Prudence wrote:
Sat Jan 05, 2019 2:59 pm
Unfortunately, a TIPS fund can't necessarily protect the principal....
Please excuse my ignorance but is VIPSX (Vanguard Inflation-Protected Securities Fund) a TIPS fund? And would the principal not be protected if I invested in it? I looked but haven't been able to find the answer myself. Thanks
by Cheyenne
Sat Jan 05, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: Paying (paper) cash for daily transactions
Replies: 83
Views: 3883

Re: Paying (paper) cash for daily transactions

JoMoney wrote:
Fri Jan 04, 2019 6:16 pm
....I don't like the fact that it's an additional expense to process electronic payments ....
+1

I use cash for everything I can. I like the freedom and privacy of it.
by Cheyenne
Wed Jan 02, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: What is the truth - paper towels vs. electric hand dryer?
Replies: 38
Views: 2412

Re: What is the truth - paper towels vs. electric hand dryer?

Some things I have read, though, claim that the dryers just blow the germs all over the place and are not good. I read about a scientific study that supported this, and it found that children have more exposure because they're in the path of the blowing air. It also stated that the use of individua...
by Cheyenne
Thu Dec 13, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Guitar Players -CAGED system
Replies: 22
Views: 2330

Re: Guitar Players -CAGED system

There seems to be unwritten rules that you do not have to have all notes to have a chord. Musicians consider some notes in chords to be more important than other notes. Generally speaking, the 5th is the least important and may be left out because it just serves to reinforce the root. One the other...
by Cheyenne
Sun Dec 09, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Guitar Players -CAGED system
Replies: 22
Views: 2330

Re: Guitar Players -CAGED system

The CAGED system is great for visualization of the fret board. I mostly use it as a reference (or framework) for playing solos anywhere on the guitar neck. For example, it gives you good "landing spots". Also, it's good for 2 and 3 note chords up and down the neck. For example, the G/B/E strings of...
by Cheyenne
Sun Dec 02, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 21752

Re: Best values at Costco? Honestly, a little disappointed...

I just filed the gas tank at Costco and bought 40 Duracell AA batteries for $12.99. I think that's a good price.