Search found 437 matches

by Cheyenne
Fri Jan 18, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 179
Views: 17094

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: 5886

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: 2410

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: 1610

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: 702

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: Investing - Help with Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1588

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: Investing - Help with Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1588

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: Investing - Help with Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1588

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: 3759

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: 2284

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: 2250

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: 2250

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: 21009

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.
by Cheyenne
Thu Nov 29, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: best Mac malware program?
Replies: 13
Views: 1130

Re: best Mac malware program?

We use Bitdefender paid service on several devices including Macs and PCs.
by Cheyenne
Fri Nov 23, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Anything I should be wary of when buying cell phone from app?
Replies: 8
Views: 470

Re: Anything I should be wary of when buying cell phone from app?

Make sure it's not "locked" for nonpayment under an installment plan. In addition check to be sure it not a "European Model" that might not work correctly in the U.S.
by Cheyenne
Fri Nov 23, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Networth to buy a dual turboprop aircraft?
Replies: 72
Views: 9255

Re: Networth to buy a dual turboprop aircraft?

You could consider a lease back arrangement with a nearby charter operator.
by Cheyenne
Thu Nov 22, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: What financial information do you share with your family and relatives?
Replies: 112
Views: 9810

Re: What financial information do you share with your family and relatives?

I have a relative who boasts about how much he makes (and spends) at every opportunity. To me that's even worse.
by Cheyenne
Sat Oct 27, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: "consultation fee": standard for preventative colonoscopy?
Replies: 81
Views: 5720

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: 2118

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: 7024

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: 7024

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: 7024

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: 8455

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: 8455

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: 1040

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: 8455

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: 1185

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: 1185

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: 8694

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: 210

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: 2293

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: 210

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: 3675

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: 2210

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: 8455

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: 4082

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: 1426

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: 669

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: 3293

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: 4475

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: 1903

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: 6666

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: 6666

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: 6419

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: 17
Views: 1597

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: 7834

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.