Search found 490 matches

by Cheyenne
Fri May 15, 2020 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Pennsylvania pandemic unemployment benefits
Replies: 4
Views: 344

Re: Pennsylvania pandemic unemployment benefits

We applied on Apr. 18th and received emails on May 6th instructing us to login to the dashboard. We received the first payments on May 12th.
by Cheyenne
Sun Apr 05, 2020 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Max loan ammount under PPP
Replies: 21
Views: 1458

Re: Max loan ammount under PPP

How would that work with a sole proprietor who doesn't have a formal payroll, but takes a weekly draw? Would the draw be considered a salary?
by Cheyenne
Fri Mar 27, 2020 1:10 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 599
Views: 31372

Re: What are you listening to now

Harp Music for Healing by Sarajane Williams

https://www.amazon.com/Harp-Music-Heali ... B005BY93D0
by Cheyenne
Tue Mar 17, 2020 1:47 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age ? and this crisis ?
Replies: 170
Views: 9261

Re: What is your AA, given your age ? and this crisis ?

Age: 68

Five weeks ago I had a funny feeling and moved from 50/50 to 30/70.
by Cheyenne
Mon Mar 16, 2020 6:09 am
Forum: Personal Consumer Issues
Topic: Split tops of thumbs--ouch!
Replies: 18
Views: 1125

Re: Split tops of thumbs--ouch!

I'm a musician plagued by the same problem and I've been using these three products by Bob Smith Industries for years: Maxi-Cure https://www.amazon.com/Bob-Smith-Industries-Maxi-Cure-Extra/dp/B0000DD1QH Insta-Set https://www.amazon.com/Bob-Smith-151-Insta-Set-Accelerator/dp/B0000DD1QR Un-Cure https:...
by Cheyenne
Sun Nov 17, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Another Laptop Question
Replies: 31
Views: 2469

Re: Another Laptop Question

Buy a new laptop. Don't expect current software to run on 10 years old hardware. This. I just bit the bullet and ordered a new laptop. My old one is from 2012 and can no longer update it. The old laptop is in good shape and will keep it in order to have a cd player available. Thanks, but what's a C...
by Cheyenne
Sun Nov 17, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Another Laptop Question
Replies: 31
Views: 2469

Another Laptop Question

Hello, I have an HP Pavilion Laptop "Entertainment PC" that is about 10 years old with: - Windows Vista OS - Intel Core 2 Duo CPU, T7250 @ 2.00GHz - 4 GB RAM - NVIDIA GeForce 8400M GS - Upgraded with a Samsung SSD 840 EVO 250G hard drive I have never had any problems with it, but the OS is now obsol...
by Cheyenne
Thu Sep 26, 2019 7:28 am
Forum: Personal Consumer Issues
Topic: Leaving NYC for retirement, Hudson Valley or PA. etc?
Replies: 21
Views: 2771

Re: Leaving NYC for retirement, Hudson Valley or PA. etc?

My brother is about to retire. He's been living and working in Brooklyn for a number of years. He still wants to be within a reasonable distance of the city so he can return for events and to see friends. He is looking at the upper Hudson Valley of NY state for cheaper housing costs due to lower nu...
by Cheyenne
Sun Sep 15, 2019 5:03 pm
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 95
Views: 11989

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

...our LTE speeds were greatly reduced, and many times I couldn’t get any data when inside buildings. Never had that problem before... I considered switching, but was afraid of this happening. Is this Verizon’s way of dialing back what you get when you try to pay less? Based upon my readings of cel...
by Cheyenne
Sun Sep 15, 2019 4:46 pm
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 95
Views: 11989

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

I switched to Xfinity Mobile from Verizon. My bill went from ~$90 for 4 GB to ~ $30 for 3 GB. I’m generally always on Wifi, but even if I went over, it is only $12/GB. If you select autopay, the price for Verizon's 6 GB prepaid plan (3 GB of which is a 'bonus') is $35 plus tax right now. We did it ...
by Cheyenne
Sun Sep 08, 2019 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 156
Views: 15494

Re: Equifax settlement: how to file claim?

stocknoob4111 wrote:
Sun Sep 08, 2019 2:02 pm
I got the same email saying that I need to prove I have monitoring.. just going to ignore it. I don't want any of Equifax's lousy services.. no thanks. My reports are all frozen anyway.. I don't use credit very much.
+1
by Cheyenne
Thu Aug 29, 2019 5:30 am
Forum: Personal Consumer Issues
Topic: Mouse invasion!
Replies: 68
Views: 4520

Re: Mouse invasion!

We live in the country and have had a lot of mice for years. We tried many traps and the Ratzapper is the best. Pricey but it works. https://www.amazon.com/Rat-Zapper-Classic-Trap-Ultra-Sticky/dp/B01N0LRKR5?psc=1&SubscriptionId=AKIAIIJRUESJWCHJWHVQ&tag=ringlocal-20&linkCode=xm2&camp=2025&creative=16...
by Cheyenne
Sun Aug 25, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: When to have an Umbrella insurance policy
Replies: 39
Views: 4498

Re: When to have an Umbrella insurance policy

I have a question about umbrella policies that is slightly off topic. A few weeks ago I purchased an umbrella policy for the reasons stated here, and also because I belong to a club that has it's clubhouse located on an airport, and they require an umbrella policy to be able to drive a car on the ai...
by Cheyenne
Wed Aug 07, 2019 6:15 am
Forum: Personal Investments
Topic: Ally & Marcus Dropping Some Interest Rates (Title Edited 8-8-19)
Replies: 59
Views: 8937

Re: Ally Dropping Interest Rate on their Online Savings Account 8-6-19

LinusP wrote:
Mon Aug 05, 2019 4:33 pm
I haven't talked to Ally to confirm, but I'm guessing I didn't get an email because I have a $0 balance in my savings account.
I just checked. They lowered mine to 1.9% and I have a balance. I did not receive a notification.
by Cheyenne
Tue Jul 30, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Bank asks for photo ID for beneficiary: is this normal?
Replies: 23
Views: 1926

Re: Bank asks for photo ID for beneficiary: is this normal?

...I've set up a couple of accounts in the last year and I was not asked for a photo ID
+1
by Cheyenne
Wed Jul 24, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: Wall AC Unit Died - Replace with Mini Split / Ductless?
Replies: 9
Views: 966

Re: Wall AC Unit Died - Replace with Mini Split / Ductless?

We installed five mini splits two years ago. I don't know why we waited so long. No more dragging A/Cs in and out of windows every 6 months, and we haven't used the base board electric or wood burning stove at all since. Pricey but well worth it to us.
by Cheyenne
Thu Jul 11, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Avoid MD-88s [commercial aircraft]?
Replies: 61
Views: 4055

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: 5508

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: 3639

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: 2966

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: 4261

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: 1392

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: 77
Views: 11295

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: 77
Views: 11295

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: 5104

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: 297
Views: 16720

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: 6425

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: 3718

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: 1256

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: 42888

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: 1352

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: 6110

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: 3200

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: 12607

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: 3836

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: 834

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: 3294

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: 50
Views: 5491

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: 1505

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: 9095

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: 531

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: 17790

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: 5170

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: 5170

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: 5170

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: 2122

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: 12219

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 ...