A Trip to Macworld Expo in San Francisco

I go to Macworld Expo, see new stuff, party with the Peachpitters, and still manage to find my hotel.

TehatchapiI took an America West — or is that US Airways? — flight from Phoenix to San Francisco on Thursday morning. The flight departed at around 8:15 AM and took off into the east into clear skies. The plane banked to the right until it was heading west, following I-10. I saw familiar sights out my window for most of the flight: Wickenburg, Harquahala Mountain, Salome, Bouse, the Colorado River, the road that runs past Rice and eventually past the north end of Joshua Tree National Park, the airport at Twentynine Palms, Big Bear Lake, Apple Valley, Edwards Air Force Base, and Rosamond. The jet took a route just south of the one I usually take when flying the helicopter from Wickenburg to California’s Central Valley, but because we were cruising at about 30,000 feet, I could see so much more. The lake at Rosamond seemed huge, the windmills on the Tehatchapi’s southern slopes were clearly visible. The pass was socked in on both sides with clouds, but the town of Tehatchapi, on top of the mountain, was perfectly clear (see photo). The central valley was completely filled with low clouds — so low that I don’t think general aviation flight would be possible. It reminded me of my scud-running adventure from last spring’s Georgetown, CA to Wickenburg, AZ flight. The tops of the clouds had a odd pattern to them, like waves far out on the ocean.

I spent the flight catching up with podcasts. Listening, that is — I’ve fallen far behind recording them. I listened to NPR’s story of the day episodes stretching back into mid December. When I was finished with those, I started on Slate Magazine podcasts. I did the crossword puzzle in the airplane magazine and attempted to take some notes for a presentation I needed to do later in the day. Then we started our approach to San Francisco and the mountains along the coast poked up their slopes through the clouds below us. There was green grass on some of the southern slopes; in a month or two, all the hills would be a rich green color there. But I seldom get to the California coast in the spring, so I’m accustomed to seeing the grass when it’s all dried out, making the hills look golden in the California sun.

The plane got to the gate at 9 AM local time. I had just one bag — a small backpack that held my PowerBook, some books I planned to give away at the end of my presentation, and clothes for the overnight stay and next day — so I didn’t have to go through the baggage claim ordeal. The bag was heavy, though, and it only seemed to get heavier as I made my way from the gate to the BART station.

BART, in case you don’t know, stands for Bay Area Rapid Transit. I used to take a cab from the airport to Moscone Hall for the Macworld Show, but I’d heard that BART went from the airport into the city and figured I’d give it a try. It was a relatively pleasant trip in a train car that reminded me more of a Long Island Railroad electrified train car than a New York City Subway car. The seats had upholstery and I don’t think they were quite as clean as they should have been. That gave the car a not-so-nice smell. But it wasn’t bad and I got used to it. I listened to my iPod and looked at the window when the train was above ground. It took about 30 minutes to get to what I thought was my stop: Montgomery Street. In reality, I should have gotten out one stop earlier, at Powell.

I came up from underground, got my bearings, realized I’d erred about the train stop, and started walking. San Francisco reminds me a bit of New York in that it has that “old city” feel. Lots of old buildings, many of which are pretty tall, some narrow streets, noisy traffic, homeless people on the sidewalks. The weather was pleasant and I was soon warming up inside my jacket.

My friend Ray called on my cell phone with a lead on a helicopter job for a construction company working along the Mexican border. I stopped and took notes on a receipt, wondering if I could be fortunate enough to get the job.

Advertising ScootersIt was less than a mile to Moscone and when I got there, I found the place relatively quiet. It was just after 10 AM and most attendees had already gone into the exhibit hall. I used a free pass to go through the registration process and get a badge, then crossed the street and went into the hall. I saw some scooters pulling advertising trailers — an Apple advertising gig, I knew. (I later got a photo of the scooters parked alongside the street.) My first order of business was to dump my jacket and the heavy bag at the Peachpit Press booth. It took me a while to find it, which was quite embarrassing because I actually walked right by it twice. They said it was near the Apple booth and they weren’t kidding. It was right inside one of the doorways to the exhibit hall, adjacent to the Apple booth.

I ran into a few people I knew, including Connie Jeung-Mills, the production person who’d worked on many of my books. I chatted with her while I stuffed my belongings under a table skirt in the booth, reserving an old Adobe canvas bag and note pad to carry while I walked the floor. I couldn’t believe the number of books in the booth. Most of the titles were about graphics and Web publishing, but I also the books I’ve written for them: Tiger, QuickBooks, and the little Visual QuickProject Guides for Word and Excel.

iPod-compatible carsI walked the floor. There was a lot to see, but not nearly as much as in the “old days,” when the show took up both sides of Moscone’s hall. I’ve never seen so many iPod accessories in my life. I think one out of every ten booths was peddling something for an iPod. Talk about trying to cash in on a craze. There were even iPod-compatible cars on display (see photo).

By 2:30, I was ready for a rest. I also needed to create my presentation, which was scheduled for 4 PM. I’m a last-minute person — I always have been — so I left the hall and found a seat on one of the balconies overlooking the hall entrance. It was nice and bright and airy up there and only about half the seats were occupied. Some people chatting, some people using laptops, other people eating or reading. I was very surprised to find that my PowerBook immediately connected to a wireless network when I opened it up. I was able to surf the net and check my e-mail.

I jotted down some notes about topics I thought my audience would be interested in. Mostly “cool features” stuff taken from my soon-to-be-published Informit.com article titled “Five Funky Finder Features.” (They may change the title, so if you go looking for it online, keep that in mind.)

While I worked, a man sitting nearby began complaining about how few seats were available. Two of the four balconies were blocked off, cutting the amount of available seats in half. But that didn’t seem to matter, since there were still empty seats to be had. One woman sitting nearby made the fatal error of acknowledging him. This resulted in him continuing his complaints. Another woman finally said to him, “I’m trying to enjoy my lunch and you’re ruining it.” He kept up for another minute or so before the woman, who was eating some kind of salad out of a Tupperware container, said, “No, I really mean it. Your complaints are ruining my lunch.” He seemed to get it then and he shut up. A while later, he closed up his iBook and went away. The whole exchange had been pretty funny. I was glad the woman had spoken up, though. He’d been quite a whiner and it was good when he finally shut up.

I did my presentation and it went well. I covered it in another blog entry.

Afterward, I met with Nancy and Cliff, two of my editors, for drinks and a bite to eat before the Peachpit Party. We wound up at an ethnic restaurant about two blocks away. Don’t ask me what kind of ethnic restaurant — I really don’t know. We ordered three different tappas dishes and a round of drinks. We talked business for a while — stuff I don’t want to cover here. Cliff left to go to an Apple party. Nancy and I finished our drinks and headed over to the Peachpit party.

Peachpit PartyI saw a bunch of Peachpit authors and editors and drank exactly one vodka martini more than I should have. The problem was, I still hadn’t checked into my hotel and I wasn’t exactly sure where it was. Or what it was called. Although I didn’t feel drunk after the third martini, I knew it was time to stop so I switched to water. Good thing I did. They must have used delayed reaction vodka in those drinks because I didn’t start feeling drunk until I was halfway done with my water. Still, I never got too drunk to realize that there were lots of people worse off than I was. Kim was probably the worst. It was her last day of work for Peachpit and she was partying a bit heartier than she should have.

I dug out the info for my hotel around 11:30, realized it was only about a block away from where Tom and Dori were staying, and walked with them. The walk took us down Market Street, which was surprisingly active with normal people (and a few weirdos) at that time of night. When we went our separate ways at Fourth Street, I felt safe enough to continue that last long block on my own. But it was good to get to my hotel and check in. I think the guys at the desk suspected that I wasn’t exactly sober, but they didn’t comment. I’m sure they’ve seen worse. And I wasn’t too drunk to realize that the guy had forgotten to give back my credit card with my room key.

I stayed at the Hotel Milano on Fifth Street. It’s an old hotel that has been fixed up. My seventh floor room had two windows that looked out across a narrow ventilation shaft to the two windows of a room in the next hallway. The room was big with a small television at one end and the king-sized bed at the other. I got undressed and into bed and watched a Seinfeld rerun for a while before turning off the television and going to sleep.

The only thing I’d forgotten to do was to check and adjust the thermostat. I was cold enough all night to sleep poorly but not cold enough to get up and do something about it. I hate that.

I woke at 5:30 AM local time. (I hate that, too.) I watched some Weather Channel and started work on this bLog entry before showering, getting dressed, and going out for breakfast. I wound up at the Marriott a few blocks away. I had a nice breakfast from the buffet, then walked back to my hotel and wasted more time on my computer. The show didn’t open until 10 AM and there was no reason to rush.

I packed and checked out at 9:30 AM. My bag was heavy, despite the fact that I’d given away the five books I’d brought with me from Arizona and I hadn’t bought anything else. I did have some product literature on board, but not enough to take the weight of five books.

At Moscone, I took a seat on one of the balconies to check my e-mail and my Web sites. The sites had been down the day before because of a computer glitch, but they were back online that morning. At 10 AM, I was back on the show floor, stashing my bag under a table at the Peachpit booth.

I bought a SightFlex stand for my iSight camera. Heavy.

I called America West and asked about an earlier flight. It was fully booked.

The Apple BoothI bothered an Apple booth guy for a demo of iWeb. It’s a cool little software package and I hope Peachpit lets me write a book about it. The guy who gave the demo was a software engineer and had written Pages, Apple’s word processing program. (I don’t know why they didn’t have him demo that.) I told him I used Word and had been using it for years. He told me that if I tried Pages, I’d switch. So I’ll try it again next week and see how I do with it. Word really is overkill sometimes. But, at the same time, I’m not too thrilled with the idea of software that works more like a page layout program than a word processor without giving you the control over page elements. If I recall, that was my main gripe about Pages.

The Apple BoothThe Apple Booth, by the way, was enormous. I think it gets bigger every year. There’s always a huge theater area (see photo) and this year there were 40-foot high “posters” of the new MacBook Pro (terrible name!) laptop and Intel processor iMac. I felt like a Lilliputian as I walked around the booth.

I wandered around the hall some more, killing time.

I ran into Sandee Cohen, Ted Landau, and Tonya Engst at the Peachpit booth and spent some time chatting with each of them. Then I grabbed my bag and made my exit. It was 11:30. I figured I’d stop by the Apple store before grabbing a bite to eat.

I dropped off my bag at a hotel along the way, checking it with a bellman. It felt good to get that damn thing off my back.

After looking around the Apple Store, I spent about an hour in Cody’s, a very nice bookstore near Market Street, not far from Virgin and the Apple Store. They were expecting President Carter as a speaker later in the day and the audience seats were already starting to fill with people who had nothing better to do with their time than spend the day sitting in a folding chair in the basement of a building, surrounded by books.

I walked up to Union Square, passing a handful of panhandlers and more than a handful of tourists. The cable car runs down Powell Street there and there are always a lot of tourists around. The area itself reminds me of lower Broadway in New York, with lots of discount luggage stores and shops that sell t-shirts and other tourist favorites. Kind of sleezy without being sleezy enough to scare people away.

Then I made my way to the Nikko, thinking about sushi for lunch. I was just about to go into the Japanese restaurant there when I noticed a Chinese dim sum restaurant across the street. I went there instead and had a very good lunch.

By that time, I’d had enough of San Francisco and was ready to head out to the airport. You know, I’ve been to San Francisco dozens of times and, unless you have a lot of time on your hands and comfortable walking shoes on your feet, it isn’t such a great place. I had neither and was more interested in finding a comfortable place to wait for my flight home than shopping or even walking around the city.

I retrieved my bag, gave the bellman a tip, and descended into the BART station. A while later, I was on a train bound for Daly City. I changed trains and got on another one for the airport. I listened to podcasts the entire time: Slate magazine and, when I was finished with those, Slate Explainer. The usual at the airport: get a boarding pass, go through security, find the gate, settle into a seat. I found a seat by an electric outlet and used it to charge up my PowerBook. For some reason, I expected to use it on the plane.

The plane was completely booked. Overbooked, in fact. They offered $400 worth of travel for volunteers, but I wasn’t interested. There was a woman in my seat when I boarded and, since it was my seat and not hers, she gave it up. When all the seats were filled, they closed the doors and we got underway.

I was asleep within ten minutes of departure.

A Few Desert Gigs

I spend two Saturdays doing rides in remote desert locations.

One of the things I like to do to earn a little money with the helicopter is short rides at outdoor events. We did great at the Thunderbird Balloon Classic back in October, but that was held down near Phoenix and attended by people with money to burn. Up here on the edge of nowhere, people are a little tighter with their hard-earned money. As a result, I have to price the rides affordably and give each passenger a lot of bang for the buck. The margins are lower at these outdoor events, but I get a lot of satisfaction giving people their first helicopter ride or showing them something they can only see from the air.

The past two Saturdays each had gigs like that.

On December 30, I flew at the ghost town of Stanton. Stanton was a mining town established in the 1800s. At one point, it was a thriving community, with an opera house, hotel, and stage stop. Situated at the foot of the Weaver Mountains alongside Antelope Creek, it was a gold mining community. Legend has it that a man looking for a lost burro climbed to the top of what would later be known as Rich Hill and found gold nuggets the size of potatoes. Like any idiot from that time, he couldn’t keep quiet about his find and, before long, miners were flocking to the area to cash in. The town grew. It was named after a man named Stanton who, I believe, was involved somehow in the Wickenburg Massacre. (More on that another time.) The town was eventually abandoned when it became too difficult or costly to pull out more gold. Later, a group called the Lost Dutchman’s Mining Association bought the townsite. They installed caretakers, which prevented the town from being vandalized like most ghost towns in Arizona were. (For example, there’s really nothing left of nearby Octave, another ghost town.) As a result, the Saloon/Opera House, hotel, and stage stop still stand. They’re actually in use to this very day, maintained by the Lost Dutchmen group. And a campground has sprung up around the property, giving the group members a place to camp out during the winter months.

I’d flown at Stanton before and although it wasn’t a lucrative gig, it made a small profit and was a lot of fun. The Lost Dutchman have “outings” at Stanton a few times a year. The year-end outing is the big one. Everyone wants to see the “Potato Patch” at the top of Rich Hill but no one wants the all-day hike to get up there. I can get them up there and back in 8 minutes, so that’s what I did.

Flying at StantonSo on December 30, at 12:30 PM, I arrived at Stanton as scheduled and landed on a seldom-used road near the campground. My ground crew — Mike, John, and Lorna — got out and set up a little table. I shut down and waited for the crowd to gather. They came in pairs and trios and when I had at least 4 people waiting, I started up again. Lorna took the money — $30, including tax, per person. Mike and John gave the safety briefings and loaded up the passengers. Then I took off toward Wickenburg, climbing, climbing, climbing. I rounded the south end of Rich Hill and climbed up its east side. The passengers had excellent views of what was left of Octave and the mining activity going on in that canyon. Finally, 2000 feet above Stantons’ elevation, I rounded the north end of Rich Hill, still climbing. We were over the next valley, with Stanton far below us in the mouth of the canyon. I pointed out the Potato Patch and the miner types oohed and aahed. I started the descent, coming down at a rate of more than 1,000 feet per minute. On the way down, I pointed out Wickenburg, far to the south, and Congress, to the west. Also, North Ranch (which, you may recall, the management claims occupants are too old for helicopter rides) and the dairy farm. Even at a 1,200 feet per minute descent rate, I can’t get to Stanton without overflying it and turning back, making an elongated spiral to my landing zone.

We flew 22 people that day. Not bad for a gig less than 15 miles from Wickenburg. Even with a side trip to Lake Pleasant before the flight, we made some money.

On January 7, I was back in the desert with my ground crew. This time, we went to Robson’s Mining World in Aguila. This was my third gig out there for their anniversary celebration. Every year was a little better and this year, I’d dropped my price from $35 per person to only $30. I think that made a big difference. We gave about 50 rides.

The setup for this event was a little more deluxe. Robson’s was having its annual Anniversary celebration and they had lots of activities and food and vendors inside their “town.” John and Lorna took their truck out there, so we were able to bring a long a lot of extra supplies. Flags, banners, a table, some extra fuel. Our setup, alongside the road, was very noticable, especially since we got there early enough to keep the space in front of our table clear of cars.

Flying at Robson's Mining WorldI flew for a few hours, taking a break for lunch before starting up again and flying some more. The route started from our desert clearing, which was just big enough for Zero-Mike-Lima to fit comfortably, to the east alongside the base of the mountain behind Robson’s. I climbed as I flew, pointing out where Wickenburg would be if we could see it (we couldn’t), Vulture Peak, Congress, and Alamo Lake if we could see it (we couldn’t). Then I came along the back side of the mountain, crossing over a saddle on the west side. (There were a couple of guys and a dog working an old mine shaft up there and I wonder what they think of the helicopter flying over them every 10 to 12 minutes or so.) I came through the canyon where Robson’s is nestled, pointing out the trail to the petroglyphs along the way. I flew jsut to the east of town, where everyone could see me but not be bothered by the sound of the helicopter, before circling around to land back in my LZ.

The passengers were all thrilled. They always are. It’s a rewarding job.

When it seemed as if we were done and the event was winding down, I shut down and took a walk with Mike, John, and Lorna to enjoy the event. The crowds were gone and it was pleasant. We bought $1 ice cream cones (brings back memories, doesn’t it?) and watched the old engines run out back.

Later, when we were ready to leave, there were a few people gathered around the helicopter taking photos. Two men who were part of a party of three people wanted rides. Since they were going back to Wickenburg, I offered to take them there for the same $30 each. (That’s where being a Part 135 operator really pays off; I can do that kind of stuff.) They agreed and while their friend drove to Wickenburg, we took off, overflying Robson’s one more time as we headed back to Wickenburg.

I should be doing similar events like this down in Buckeye and up in Yarnell over the next few months. I’m hoping to pick up a few new gigs in the meantime.

If you’re reading this in Arizona and think you have at least a dozen people interested in taking rides at $30 to $40 per person (prices depend on distance to the gig), give me a call. You can learn more at the Flying M Air Web site.

Merry Christmas or Happy Holidays?

Another example of the religious right taking offense at nothing.

I was born and raised Catholic. I don’t practice it these days, but I still consider myself “Christian.” The winter solstice holiday I celebrate is Christmas.

Almost every year, I send out Christmas cards. Well, to be fair, they’re not all Christmas cards. Some of them are holiday cards. Because not all of my friends celebrate Christmas. Some of them are Jewish and celebrate Chanukah. And I’ll admit that I’m not even sure what some of them celebrate because I don’t go around asking my friends about their religion.

I have a collection of Merry Christmas and Happy Holidays cards. I send them out primarily based on the picture on the card or the sentiment inside the card. I don’t, however, send a Merry Christmas card to someone who I know is Jewish. Or someone who might be Jewish. I do this out of respect for their religious beliefs. After all, why should I wish them a Merry Christmas — a holiday celebrating the birth of Jesus Christ, who isn’t anyone terribly special to them — when I could wish them a Happy Holidays?

I guess what I’m trying to say here is that the wish I’d like to share is for a happy and healthy holiday season. Isn’t that what we all wish everyone this time of year?

Now I’m definitely not a supporter of George Bush Jr. In fact, I don’t like him at all. But I think he’s taking a lot of undeserved grief with the White House Christmas card debate. I think the card is fine — a Happy Holidays wish covers everyone, without offending anyone. Christmas is a Christian holiday. Not everyone who received the card is Christian. Why should it wish everyone a Merry Christmas? And what the hell is wrong with a Happy Holidays wish?

Come on guys. Is it really that important? Don’t you think homelessness, unemployment, and hunger within this country are more important than the words that appear on a White House Christmas (or Holiday) card? Yet I don’t hear any of the religious right whining about any of that.

And, for the record, it is a Christmas tree. Sheesh. What other holiday puts a pine tree (or a fake pine tree) in people’s living rooms every December?

The Server Project Begins

I [finally] get Mac OS X 1.4 Server and start to plan for installation and deployment.

If you’ve been following this bLog, you know that I recently purchased Mac OS X 10.4 Server from someone on eBay. I got the software at a smoking price — less than the Apple employee discount, in fact — and considered myself very fortunate. The only thing I can’t figure out is why it took the seller more than 10 days to send the software to me in a flat rate Priority Mail box.

The software arrived in good condition. The box looked a little worn, as if it had been handled by too many people or shuffled around from one shelf to another. But the seals were intact and the box appears to contain all the discs, documentation, and proof of purchase info — including the all-important serial number — that a legal copy of the software should. So I’m pretty confident that I did not buy used or pirated software.

Now that I have the software, I have no excuse to put off my big server project.

The goal, as I think I’ve mentioned elsewhere, is to install Mac OS X 10.4 server on my current Web server machine and use the following features:
– Web server (Apache) with PHP and MySQL for dynamic content
– E-mail server
– Mailing List server
– FTP server
– Streaming Video (QuickTime)
– Blog

I’ll also set up secure space on the server to back up my own personal documents, as well as Mike’s.

In addition to all that, the server will continue to run the same other services the server runs now:
– FileMaker Pro databases
– Webcam
– Steaming Audio (for KBSZ-AM)

All this on a Power Macintosh G4 running at 866 MHz. Seems pretty ambitious, but we’ll see how I can do. If all else fails, I’ll take my old G3/300 (beige, mind you) out of retirement and use that for the Webcam and FileMaker Pro databases.

I’ve made a list of steps that need to be done to get the project going. Here’s what I hope to accomplish today:

1) Adjust the upload address for all Webcams. Although the KBSZ-AM Webcam currently uploads to some GoDaddy hosting space I have, I think the wickenburg-az.com and Editor SpyCam Webcams both upload to my current server. I need them to upload someplace that won’t be affected by the change — probably that GoDaddy space — so I don’t lose Webcam service. I also need to adjust all Web page references to that new space.

2) Adjust the file locations for the ini files I use to display sunrise/sunset and upcoming event info on various Web sites. This information is generated each morning as a text file that is inserted in the appropriate locations on various Web pages. I need to change the source location for the ini files in the Web page HTML and then set up an AppleScript that automatically uses Fetch to move the files where I said they’ll be right after the files are created.

3) Set up hosting on the GoDaddy server for the Web sites I host on my server. This is temporary and will give me the time I need to make all the changes on the new server before moving the sites back. Some sites will move over without any major changes. Other sites, like wickenburg-az.com and aneclecticmind.com will undergo complete facelifts using new features available to me in Apache and the blogging software that comes with Mac OS X 10.4 Server. By moving them off my server to a place where they’ll continue to be served without interruption, I won’t be rushed to build the new sites. Some will be at GoDaddy for less than a month; others might be there for several months.

Since it’ll take up to 48 hours for the DNS info on the Web site move to propogate, I’ll have to wait a few days after I finish these steps to move onto the next step. Hopefully, while I’m waiting, the new RAM will arrive. I’d already ordered and installed 512 MB of RAM on the server and quickly discovered that the RAM was bad. When I get the new RAM, I’ll install it and send back the bad RAM. It should arrive today. If this RAM doesn’t work, I can only assume that they sold me the wrong kind of RAM.

When I’m sure that the sites are being served from GoDaddy’s servers, I can move on with the next steps in the project. I’ll write about those later on.

Stay tuned for progress reports, including problems I’m sure to encounter. And wish me luck!

ING

Real online banking.

One of the things a Robinson helicopter owner has to consider is the big bill that comes after 2200 hours or 12 years of flight (whichever comes first). Robinson made helicopter ownership and maintenance easy by having most limited-life parts end their lives at the same time. When that time comes, the entire helicopter goes in to the factory or an authorized overhaul center for a complete overhaul. When it emerges, it’s like a brand new helicopter.

The only drawback is that this overhaul currently costs $184,000 for a Robinson R44, which is what I own. And that amount goes up by a few thousand dollars every year.

So although my normal maintenance throughout the year is quite low (for a helicopter, anyway), I have to remember that big bill. Every hour I fly, I put aside about $85 in a “reserve” account. Right now, that’s a money market account at my local bank.

The helicopter currently has about 184 hours on its Hobbs meter. Do the math and you’ll see that I already have a pretty good chunk set aside.

The goal, of course, is to keep building up the balance in this account so when the big bill comes along, the money’s there to cover it. Lots of people go the other route — they take out a loan to refinance when the big bill comes. But I hate debt and would rather save up and be prepared.

The problem is that it’s very tempting to spend that money when it’s just sitting around, doing nothing. Especially when it’s only earning 1.25% a year. I was thinking of rolling it into CDs, which are less liquid than a money market account that comes with checks. But the rates are equally dismal at my local bank.

In New Jersey the other day, I got into a conversation about this with Mike’s ex-roommate, Greg. He suggested ING, an online bank. I checked it out last night and learned that I can get 3.5% on a savings account and 4.1% to 4.85% (depending on term) for a CD. Holy cow!

ING can offer such good rates because they have low overhead. They don’t have branches, they don’t offer checking accounts. They have very few banking products. Everything is simple and to the point. Even their Web site is simple.

The last time I had a CD was when my grandfather passed away and my little inheritance — about $15,000 — was tucked away in a CD until I turned 25. My father was the executor of the will and he put the money in a 6 month CD. At the time, inflation was running rampant and CD rates were up around 18%. My father thought the rates would keep going up, so he wanted the money to roll over at a higher rate. But the bottom dropped out and rates descended from the stratosphere. Disappointing, but not a big deal, because I wound up putting most of the money toward the down payment on my first house. But every time I think of CDs, I think about those rates in the late 70s. Today’s rates look pretty bad in comparison.

But 3.5% on a savings account is way better than the .5% my bank offers for savings or the 1.25% I’m getting on my “risky” money market. So last night I opened a savings account for my personal money at ING.

It’s an interesting process. You fill out an online form that asks for the usual information. You also provide information about your checking account, which is linked to your ING savings. ING makes two tiny deposits into your checking account and you tell ING how much those deposits were for. This is so ING can confirm that this is indeed your account. You can then initiate transfers between your ING and checking accounts via ING’s Web site or telephone. There are no fees for your ING account and no minimum balance requirements. Transfers probably take 24-48 hours, so there is a bit of a lag. But if you have a relatively large sum of money, it’s nice to have it sitting someplace where it’ll earn a decent return.

My personal savings fluctuate wildly. Most of my income comes in quarterly, so at the beginning of a quarter, I’ll have a nice, healthy bank balance but, by the end of the quarter, I may be scratching around for loose change. The ING account will work out nicely.

I’ll create a savings account and a CD account for my helicopter overhaul reserve. The CD will be short term — probably six months — and every time it’s ready to roll over, I’ll add a little to it. That’ll keep it intact and growing over the next 11 years or 2016 hours (whichever comes first).

Anyway, if you have a bit of money stashed away and you’d like an FDIC-insured way to earn a decent return on it, you should definitely check out ING.