Search found 1340 matches

by ubermax
Sat Nov 18, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Timing if Medicare annual physical
Replies: 26
Views: 1203

Re: Timing if Medicare annual physical

I thought the "annual physical" rule that Medicare uses is that 11 full months has to pass until your next physical and so for example late November this year and early November next .
by ubermax
Sat Nov 18, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: cash balance plan
Replies: 7
Views: 860

Re: cash balance plan

OP for starters I'd like to know more about the conversion - the mechanics of conversions has changed over time , several years ago the participant's accrued benefit under the traditional DB was converted to an opening CB account and pay and interest credits were added to that opening balance going ...
by ubermax
Sat Nov 18, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Cost basis question about Vanguard's covered/uncovered mutual fund shares
Replies: 28
Views: 1299

Re: Cost basis question about Vanguard's covered/uncovered mutual fund shares

However, at this point if I could just sell the covered shares portion of the investment all together at once using average-cost-basis for those only, that would be a good solution for me. You cannot do that, so that won't be a solution for you. As soon as you are using Average Cost, that means you...
by ubermax
Fri Nov 17, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Windows 10/Edge Conflicts
Replies: 12
Views: 833

Re: Windows 10/Edge Conflicts

I mainly use Edge, and I have add-on applications I run like LastPass and Ghostery. BUT, I do have problems with some websites not being able to run using Edge, so use Chrome as my alternate when those situations arise. Cheers, Ray I like Edge also , and as I mentioned above , use IE11 and Firefox ...
by ubermax
Thu Nov 16, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Windows 10/Edge Conflicts
Replies: 12
Views: 833

Re: Windows 10/Edge Conflicts

Edge is the default browser now, but Internet Explorer is still on your machine (for now). Yes , found it under "Windows Accessories" and it's now on the Taskbar - Edge works great for most of my needs and now I have Mozilla for the eye doc's portal and IE 11 for the bank - I wouldn't imagine Chrom...
by ubermax
Thu Nov 16, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: Windows 10/Edge Conflicts
Replies: 12
Views: 833

Re: Windows 10/Edge Conflicts

You should still be able to use Internet Explorer on Windows 10. Have you tried using Internet Explorer instead of Edge? I have a new laptop that came with Windows 10 and Edge - I've installed Mozilla but would only want to install various additional browsers , i.e. IE , Chrome , etc. as a last res...
by ubermax
Thu Nov 16, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Windows 10/Edge Conflicts
Replies: 12
Views: 833

Windows 10/Edge Conflicts

The patient portal for our eye doctor requires Mozilla Firefox and more recently our local bank requires Internet Explorer to use certain features within their on-line banking platform - has anyone else had issues with W10/Edge clashing with certain online vendors ?
by ubermax
Tue Oct 31, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Selecting pension payout option
Replies: 15
Views: 1319

Re: Selecting pension payout option

The 1000% option means that each of us will receive about 14% less than we would if we took the full amount, but our surviving spouse would continue to receive that amount until their death. We know a couple of things : (1) the above information and (2) optional forms of benefit are generally the a...
by ubermax
Sat Oct 28, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Excel Warning Message
Replies: 9
Views: 1346

Re: Excel Warning Message

All good responses but I especially want to thank bklyn96 and JohnFiscal for their input which nailed it down for me ; like John new computer and Office 2016 - I was stuck on the thinking that "external link" was synonymous with "url" and was concerned about virus/malware possibilities but now I see...
by ubermax
Fri Oct 27, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Excel Warning Message
Replies: 9
Views: 1346

Re: Excel Warning Message

Thanks for all the replies , I'm not referencing any url and so it's most likely the fact that I'm referencing a cell in another workbook .
by ubermax
Fri Oct 27, 2017 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: RMD distribution timing
Replies: 32
Views: 2493

Re: RMD distribution timing

All our inflows are monthly , i.e. SS, Pension, & RMD (no tax withheld) and they populate a budget spreadsheet with various buckets when received - early in the year we know health premiums and the RMD and use prior year's information for the unknowns to estimate our tax liability and budget for the...
by ubermax
Thu Oct 26, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Excel Warning Message
Replies: 9
Views: 1346

Re: Excel Warning Message

samsoes wrote:
Thu Oct 26, 2017 4:58 pm
Because it's external to the workbook currently open.
I guess it figures even if I am the creator of both workbooks , the other one could still be unsafe :happy
by ubermax
Thu Oct 26, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: Windows 10 - Fall Creator's Update - Ransomeware
Replies: 25
Views: 4107

Windows 10 - Fall Creator's Update - Ransomeware

Apparently if the "controlled folder access option" within Defender is activated , it nullifies ransomware attacks - has anyone felt compelled to
activate this option or is the risk too small on an individual level to bother with it ?
by ubermax
Thu Oct 26, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Excel Warning Message
Replies: 9
Views: 1346

Excel Warning Message

Whenever I open one of my excel workbooks , I get the following warning : "This workbook contains links to one or more external sources that could be unsafe ; If you trust the links , update them to get the latest data . Otherwise you can keep working with the data you have ." One of the worksheets ...
by ubermax
Tue Oct 24, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Recent Updates
Replies: 9
Views: 1386

Re: Windows 10 Recent Updates

Doom&Gloom wrote:
Mon Oct 23, 2017 5:55 pm
Mine arrived for my update recently while we were away on vacation, so not sure when it got here. But it was a somewhat confusing update as it appeared to need to be done repetitively. Anyway, all seems fine after it completed.
Yes , my experience also .
by ubermax
Mon Oct 23, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: 401k, CB plan: attribution rules, control groups...
Replies: 4
Views: 344

Re: 401k, CB plan: attribution rules, control groups...

Spirit Rider summed it up pretty well ; given what you want to accomplish , the IRS regulations under Code Sections 401(a)(4) and 414(b) would be good reading - there are many small pension consulting and/or TPA firms across the country that design plans for your situation all the time , i.e. "the ...
by ubermax
Mon Oct 23, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Recent Updates
Replies: 9
Views: 1386

Re: Windows 10 Recent Updates

Rupert wrote:
Mon Oct 23, 2017 2:54 pm
I believe they're rolling the creators update out in phases, beginning with newer machines first. So not everyone has it yet.
My error thanks for the correction - I got my new laptop in August .
by ubermax
Mon Oct 23, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Recent Updates
Replies: 9
Views: 1386

Re: Windows 10 Recent Updates

My last update for Windows 10 Pro was 9/13. System shows up to date. There have been a few app updates (Outlook, Office) since but no system updates. Recently when I open Setting/Windows Update there's a little check mark and it says I'm up to date but it also has been saying that updates are avail...
by ubermax
Mon Oct 23, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Recent Updates
Replies: 9
Views: 1386

Windows 10 Recent Updates

A blitz of updates recently some big others small - yesterday a driver update was installed , "Intel Corp. - System - 7/3/2017" and it appears under Update History as successfully installed yesterday ; now today under Settings/Windows Update it says updates are available ,i.e. "We need to start a se...
by ubermax
Sat Oct 21, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: 401k, CB plan: attribution rules, control groups...
Replies: 4
Views: 344

Re: 401k, CB plan: attribution rules, control groups...

I would suggest a small pension consulting firm or a third party administration firm (TPA firm) near where you live - search on the net for those firms .
by ubermax
Sun Oct 08, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Freeze - What did you do?
Replies: 71
Views: 5723

Re: Pension Freeze - What did you do?

I''m pretty sure that no company has ever reversed the decision on this. It's contemptible that they are balancing the books on the backs of their most experienced and loyal employees. Are there any statistics on how likely it is for a company that makes such drastic cuts to go out of business enti...
by ubermax
Sun Oct 08, 2017 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Pension Now (Age 36) or Later (Age 65)?
Replies: 45
Views: 3481

Re: Pension Now (Age 36) or Later (Age 65)?

I don't see how the company can get $25,000 as the equivalent value using these discount rates. My longevity estimator shows a $35,000 present value when the survival-weighted cash flow is discounted at 4.62%. (For $1,038 / month starting in 29 years for a 36-year old male weighted according to the...
by ubermax
Sat Oct 07, 2017 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Pension Now (Age 36) or Later (Age 65)?
Replies: 45
Views: 3481

Re: Pension Now (Age 36) or Later (Age 65)?

Inflation is factored in the sense the 130k is 2046 dollars, which is not much due to inflation. Regarding your point on how it was calculated, I found this: 417(e) Interest Rate Assumption for up to 5 Years 1.96% 417(e) Interest Rate Assumption for 5 to 19 Years 3.77% 417(e) Interest Rate Assumpti...
by ubermax
Tue Sep 26, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Question
Replies: 20
Views: 787

Re: Windows 10 Question

Thanks again everyone , will keep this post in my "bag of tricks"
by ubermax
Tue Sep 26, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Question
Replies: 20
Views: 787

Re: Windows 10 Question

Right click the File Explorer icon in the bottom toobar, then select File Explorer and it will open a new instance each time. I like this , never thought to right click the icon in the toolbar again , thanks !! You can also right click the windows icon on the bottom left. It has a lot more options ...
by ubermax
Tue Sep 26, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Question
Replies: 20
Views: 787

Re: Windows 10 Question

Open File Explorer Right click on the File Explorer icon on the taskbar. Hit the File Explorer button near the bottom. It opens a new version. Pin the shortcut to the taskbar and it always will be there. Your first 4 lines are identical to Kenkat , what shortcut and how do I pin it ? Is it a shortc...
by ubermax
Tue Sep 26, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Question
Replies: 20
Views: 787

Re: Windows 10 Question

llama wrote:
Tue Sep 26, 2017 3:52 pm
Hit Windows+E twice.
Sweet !!
by ubermax
Tue Sep 26, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Question
Replies: 20
Views: 787

Re: Windows 10 Question

jebmke wrote:
Tue Sep 26, 2017 3:31 pm
I usually just right click a directory and click "Open up in a new window"
What's the difference , if any , between a directory and a folder ?
by ubermax
Tue Sep 26, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Question
Replies: 20
Views: 787

Re: Windows 10 Question

Kenkat wrote:
Tue Sep 26, 2017 3:30 pm
Right click the File Explorer icon in the bottom toobar, then select File Explorer and it will open a new instance each time.
I like this , never thought to right click the icon in the toolbar again , thanks !!
by ubermax
Tue Sep 26, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Question
Replies: 20
Views: 787

Windows 10 Question

In Windows 7 you could have two(2) file explorer windows open simultaneously side by side , made it easy to drag files from one storage location to another ; can't figure out how to do it in Windows 10 , anyone know how ??
by ubermax
Sat Aug 26, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Unable to do a pension cashout/rollover before retirement age - common?
Replies: 7
Views: 913

Re: Unable to do a pension cashout/rollover before retirement age - common?

I don't think it's uncommon for a traditional defined benefit (DB) plan to not offer a lump sum ; there are still many plan sponsors who feel that an annuity is more in line with the spirit of a traditional DB plan , i.e. a resource for retirement income ; one of the appealing features of the Cash ...
by ubermax
Sat Aug 26, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Computer Backup Software With Accompanying External Drive
Replies: 10
Views: 880

Re: Computer Backup Software With Accompanying External Drive

WoodSpinner , a follow-up question : Say I buy an external drive and , instead of using the backup software that comes with it , I use Acronis True Image (ATI) ; (1) does ATI retain the original file names when it does a backup ? and (2) If I do an entire system backup to the external and then at s...
by ubermax
Wed Aug 23, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Computer Backup Software With Accompanying External Drive
Replies: 10
Views: 880

Computer Backup Software With Accompanying External Drive

Does anyone know of a good drive with backup software that satisfies the following criteria : (a) performs complete and incremental backups and (b) allows files and folders to be viewed in a Windows Explorer type format so that , for example , an individual file can be copied to a memory stick . Se...
by ubermax
Thu Aug 03, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 25909

Re: A poll: How much money do you need to retire?

Just a quick observation , the title says need and the OP's initial post says want , these two amounts could be far apart ; I also believe that the analysis begins with expenses , either current or projected.
by ubermax
Thu Aug 03, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity versus Lump Sum math
Replies: 12
Views: 1378

Re: Annuity versus Lump Sum math

I looked back over the various responses and it seems there were only two analytical approaches to the OP's question ; Five K referenced an approach from the Wiki that I would characterize as a "bright Line" method - for a particular interest rate you determine the future point in time where accumu...
by ubermax
Wed Aug 02, 2017 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Going from pooled company 401k to Participant-directed 401K accounts - issues and hurdles
Replies: 13
Views: 921

Re: Going from pooled company 401k to Participant-directed 401K accounts - issues and hurdles

I am currently part of a company which had its 401(k) in two pooled accounts, under the management of two financial advisor/companies. I spoke with CEO about switching over to the individual 401(k) i.e Vanguard. 2 accounts are about $30M. To manage, we pay about $100K, plus there is separate actuar...
by ubermax
Tue Jul 25, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying pension benefits - what would you do?
Replies: 21
Views: 2940

Re: Delaying pension benefits - what would you do?

If ABS delays his pension from age 65 to 66 he gives up $31,536 (12 X 2628). In exchange beginning one year later he will collect $34,836 (12 X 2903) every year instead of $31,536, an increase of $3,300. If he or his wife live 19 years this is like investing $31,536 and getting $3,300 per year for ...
by ubermax
Tue Jul 25, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Amortization Schedule with Extra Payments
Replies: 33
Views: 2864

Re: Help with Amortization Schedule with Extra Payments

But you can't get around the fact that your method (and mine in the edited part of this post ) do not produce the correct total payments and hence do not produce the correct interest paid. Of course the interest won't be the same , in one case interest is applied to a monthly declining balance and ...
by ubermax
Mon Jul 24, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying pension benefits - what would you do?
Replies: 21
Views: 2940

Re: Delaying pension benefits - what would you do?

Yes. By forsaking $31,680 (12 * 2640) for one year, you'll get $3,156 (12 * 2903 - 31680) more per year for 19 years (85 - 66). This represents a very good return of 7.4%. [1] The likely return is even higher if your wife is no older than you and you're both in average or better health. [2] I'm puz...
by ubermax
Mon Jul 24, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Amortization Schedule with Extra Payments
Replies: 33
Views: 2864

Re: Help with Amortization Schedule with Extra Payments

You arrived at the same balance and number of months, but your interest calculation Is incorrect. The total interest is really the important part. Really Jim , me thinks you should go back and re-read the OP's opening question ; the difference between a year of monthly payments versus one annual pa...
by ubermax
Sun Jul 23, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Amortization Schedule with Extra Payments
Replies: 33
Views: 2864

Re: Help with Amortization Schedule with Extra Payments

Well I got the same outstanding balance after month 168 as you did and using two different approaches - by your premise I should be way off after 168 months , how to you explain that ? - but anyway thanks for the feedback Jim, I'll take another look at it - always open to a peer review .
by ubermax
Sun Jul 23, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Amortization Schedule with Extra Payments
Replies: 33
Views: 2864

Re: Help with Amortization Schedule with Extra Payments

HERE !! The attached spreadsheet shows a more closed form of the solution that I presented yesterday in a table format similar to the one made available by Atlanta Jim in his Google Sheets link ; I think the above spreadsheet is as condensed as the other solution which utilizes many "head spinning"...
by ubermax
Sat Jul 22, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Amortization Schedule with Extra Payments
Replies: 33
Views: 2864

Re: Help with Amortization Schedule with Extra Payments

I also came up with a little more than 168 months - would be curious how the OP derived his answer - I like my method better than the one used by the other responder for the following reasons : (a) It uses Excel and basic present value math as it applies to annuity type cash flows . (b) It doesn't ...
by ubermax
Thu Jul 20, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Any car top bike carriers that are easy to load?
Replies: 3
Views: 458

Re: Any car top bike carriers that are easy to load?

CULater , here are a few other thoughts/considerations : (a) Your lifting strength given a bad arm - I've already touched on that . (b) The rough distance from ground to the top of the vehicle's load bar. (c) Do you want a fork mount ( requires removing the front wheel ) or a full bike mount ( slig...
by ubermax
Wed Jul 19, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 71
Views: 4341

Re: Essential Bike (bicycle) Accessories

Online retailer Excel sports has a big sale going on now for parts and accessories .
by ubermax
Wed Jul 19, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Any car top bike carriers that are easy to load?
Replies: 3
Views: 458

Re: Any car top bike carriers that are easy to load?

I have the Thule Paceline roof mounted rack which I love but this year is the first time that I think I'm agreeing with my DW that I should give some serious thought to getting a hitch for our SUV and a Thule hitch rack ; I had a great technique for getting the bike up top - left hand on front fork...
by ubermax
Mon Jul 17, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 71
Views: 4341

Re: Essential Bike (bicycle) Accessories

https://www.cyclingforums.com/
http://www.bikeforums.net/

Great responses and I'd also recommend establishing a username/password for the above forums - very knowledgeable members on each and the sub-forums cover many different topics .
by ubermax
Mon Jul 17, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 14075

Re: How did you handle the costs of your child's wedding?

DW had a part-time job as an on-call nurse for a local private prep school - over several years she managed to bank enough to provide a very nice wedding/reception for our daughter .
by ubermax
Mon Jul 17, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Las Vegas Trip
Replies: 7
Views: 1313

Re: Las Vegas Trip

Cartman , to get more input I'd suggest searching this forum on keyword Las Vegas , I recall this topic coming up before and at least one of the posts received many comments.