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ubermax

Yesterday it was announced that the original issues with 1809 have been resolved but advised that users still wait for the auto update from Microsoft .

ubermax

Put auto update on pause after hearing about potential issues with 1809 - just took the pause off and was pleasantly surprised - the available updates were : (1) Definition update for Defender (2) Cumulative 1803 Update (3) Malicious Software Removal Tool and (4) Adobe Flash Player for W10 Version 1...

ubermax

Boglegrappler wrote: ↑
Mon Nov 12, 2018 9:49 am
I've had mine since they were introduced. Online sources say that was 1981, although I have an inclination to think it might have been a bit earlier. My memory isn't that precise.

1981 is about right and they cost over $200 at the time as I recall .

ubermax

I've had two with the first purchased probably mid 80's when calculators were allowed on the actuarial exams - the first one had "made in USA" stamped on it and at some point didn't respond to new batteries - instead of trying to get it repaired I bought another which I still have , it's stamped wit...

ubermax

Turkey1234, unlike private sector pension plans , there is no federal mandate requiring states to fund their various plans and so generally private sector plans have been in better shape than their state counterparts - based on your opening remarks I think you answered the question of whether you sh...

ubermax

We've lived in New England our entire lives and have had to deal with mice in the Winter for a large part of that time, it's just a part of the reality of living in New England - the tops of many poured foundations are simply not smooth and mice are small and can squeeze those little bods even small...

ubermax

Yes, it is pretty straightforward. Make sure you copy any files on the flash drive to another place before you reformat. Normally reformatting will wipe the flash drive clean. Then open up Explorer window (folder on task bar). Select the flash drive and right click to bring up a menu. One of the me...

ubermax

I use to work with a married guy who would often go away with another couple and they would get 1 room with 2 beds to save money , pretty weird if you ask me but each to his own as they say . FB01 , now that you've provided some additional information to supplement your first post , I'd recommend th...

ubermax

Thanks Silk McCue and jebmke for some great information , the flash drive is formatted FAT32 - jebmke , I'm using Windows 10 , is reformatting to NTFS pretty straightforward in Windows 10 ?

ubermax

While copying some computer files to a memory stick recently , I got the following message when I tried to move some MP3 and BMP (bit map ?) files : "Are you sure you want to copy this file without its properties ? the file XXX has properties that can't be copied to the new location" - the options w...

ubermax

Our son lives in Vegas and I ran your question by him - of the two , he recommended Treasure Island and said that it's close walking distance to Mirage that has the secret garden , he added that there are also great deals on downtown properties like the Plaza which is a short ride share , e.g. Uber,...

ubermax

Thanks HueyLD , great listing of possible trouble spots !!!

ubermax

I haven't gotten this error message in awhile but my DW is getting it often now - when saving a spreadsheet after an edit , a message appears saying that the file can not be saved because either (1) the file location can not be found or (2) it may be in use at this time . I ended up , I think, copyi...

ubermax

Do you have your Excel to automatically or manually run calculations? Sometimes for very large worksheets one turns off the automatic calculations because every update takes seconds to minutes to propagate through. Thanks for the response alex_686 , no jumbos here - once in awhile I need to go to t...

ubermax

I would check the settings. It's possible automatic updating was turned off. That's it !! thanks b42 - the crazy thing is , auto updating was working and I wouldn't have changed it - it's possible that a Windows update contained an Excel portion and maybe it was reset to manual . Thanks again !!!!

ubermax

Cell A1 =10 , cell B1 contains the formula =A1 and does show the value 10 , I now change cell A1 to 20 & cell B1 still contains the value 10 ?? - thanks in advance to anyone who knows what's happening here .

ubermax

Our local bank will consider RMDs in their underwriting for a new loan if " we could show them that they would continue for at least three years" - I'm not sure what they mean by this ? - a couple of possibilities (1) they want to see evidence that the RMDs are coming from an investment that is both...

ubermax

Check with the loan officer at your local bank - DW and I are both retired and inquired about this a couple years ago - initially a senior teller at our local branch said that income alone had to support a new mortgage along with other existing debt - but upon digging further with a loan specialist ...

ubermax

Thanks Rkhusky & Scrabbler1 for some additional tips - I use TurboTax (i.e.TT) and will probably create new worksheets in Excel for the new forms in order to align with what TT produces for my records .

Thanks again everyone !!!

ubermax

Recognizing the changes imposed by the 2017 Tax Cuts & Jobs Act isn't the calculation methodology for 2018 the same as it was last year - I mean isn't the new 1040 and the 6 schedules just an abbreviated way of capturing the same tax data ? Now that you have read all the responses, what are you rea...

ubermax

Recognizing the changes imposed by the 2017 Tax Cuts & Jobs Act isn't the calculation methodology for 2018 the same as it was last year - I mean isn't the new 1040 and the 6 schedules just an abbreviated way of capturing the same tax data ?

ubermax

Frisco Kid , I can relate - DW and I are very top-heavy in tax deferred accounts and ,although the tax bite upon withdrawal is expected since we chose to defer taxes through the years , we never thought it would be as big an ouch each time we needed some extra dollars - we are both already taking fu...

ubermax

OP estimates of things at a future time are a funny thing , they seem to improve as we get closer to that future event (retirement) - would you care to share your current age and expected retirement age with the audience ?

ubermax

OP , so you're in a partnership and the plan smells like it could be a Cash Balance plan which typically has annual pay and interest credits - forgetting about the numbers not making sense to you , it seems incredible to me that you haven't a clue as to precisely what type of plan you have and how i...

ubermax

We have a checkbook , 3 ring , think it's called a desktop version - we may most bills online but there are a few that require a check , checks last us a long time - I download the activity periodically from our bank's website into an Excel spreadsheet when I want to "balance" the "register"

ubermax

In the Hartford area there's a small computer company called TAB computer - they also host a Saturday 9-11 technical talk show - for virus free browsing they recommend OpenDNS which is a web based browser rather than a download to your machine along with Malwarebytes which is a download - a technica...

ubermax

To the original question , I believe it can be real or a ploy by a certain party to start a bidding war and ultimately a higher price for the seller - money can do funny things to some people .

ubermax

For people who have already made the transition, does your expenses in retirement resemble that during the years leading up to retirement? If so, is that a coincidence, or is it because you are essentially doing the same things as before? For us it was a starting point of a budget and it gets tweak...

ubermax

I've been happy with TireRack & the fact that a distribution center is nearby is a bonus .

ubermax

Most important aspect of a lease is the money factor and residual value. the money factor impacts the finance charge and the residual ,selling price , and term determine the depreciation charge ; currently money factors are very small and the depreciation charge takes the lion's share of the monthl...

ubermax

All inflows from SS , pension , and retirement accounts (RMDs) go into a savings account at local bank - each inflow is apportioned via spreadsheet into 16 expense buckets , 15 specific and 1 gets the leftover after the other 15 are filed , we call it our "discretionary" bucket ; unfortunately we're...

ubermax

I also think leasing can make sense for retired people who want to view lease payments as being similar to just another utility bill in their monthly budget - it's hard to make a financial argument either way , lease or buy , because an accurate residual value is hard to determine prospectively - I ...

ubermax

ofckrupke wrote: ↑
Fri Apr 27, 2018 9:38 pm
Depends on your state.

Agree , CT for example may be unique because it bases their tax on federal income before the std. or itemized deduction is applied but I think in general states don't have to mimic federal rules which I believe ofckrupke alluded to .

ubermax

Most important aspect of a lease is the money factor and residual value. the money factor impacts the finance charge and the residual ,selling price , and term determine the depreciation charge ; currently money factors are very small and the depreciation charge takes the lion's share of the monthl...

ubermax

All great replies , in summary (1) Town Website/Assessor/Real Estate Info (for recent/comparable sales) (2) Zillow (3) Professional appraisal .

ubermax

Silk McCue wrote: ↑
Mon Mar 26, 2018 4:21 pm
Wow Just wow. I don’t think #Cruncher needs his extensive effort on behalf of the poster to be critiqued in this fashion.

I prefer to look at it as "peer review" Silkman - I think we all here on Bogleheads should welcome it , it's how we learn !!!

ubermax

ivk5 wrote: ↑
Mon Mar 26, 2018 3:47 pm
Just so there's no confusion, federal law does not cap your state/local and property taxes. It does limit the allowable itemized deduction for those items to 10k for federal income tax purposes.

thanks , you said what I meant but more accurately .

ubermax

But the new Federal tax law does NOT impose a limit on your total State and Local taxes... I thought state and local income taxes paid in 2018 along with all property taxes , typically house and auto , paid in 2018 were capped at 10K , if that's not true it's new to me - and that's separate from th...

ubermax

I looked at this a couple years ago and I think it was in the 70-80% of pre-retirement spending and which I also think is one of those rules of thumb like the famous 4% withdrawal rate .

ubermax

It's probably obvious to many but I think it's worth mentioning briefly that when you divide the 30 year inflated current salary (i.e. ICS) by the interest rate (i.e. i ) you get an amount that will provide the ICS in perpetuity when invested at rate i per annum - to me a couple of key terms in the ...

ubermax

Jack_R2 wrote: ↑
Fri Mar 23, 2018 9:22 pm
I still have my Dad's SS card. He was born in 1915. It is made of metal (looks like aluminum).

Interesting , my father was born in 1898 and it's paper , these facts would make good jeopardy questions

ubermax

I found the card itself to be too large for the slots in my wallet so I had to trim it down a bit to fit. It looks like the Amazon protector would only make it larger. Had mine laminated at a local Staples & also trimmed the laminated portion to fit my credit card case - have presented it this way ...

ubermax

We use an incredibly simple budgeting app that both DW and I can update called "goodbudget". This mostly accounts for our discretionary / credit card spend (repeating monthly costs like mortgage, childcare, utilities are not tracked on our budget since we have little to no control). We have differe...

ubermax

I use an Excel spreadsheet to calculate my taxes and necessary with holdings. It is pretty easy to do and can be used in future years as well. Me too , I reflect everything I know about the new tax rules for 2018 in my estimate - roughly 98% of our income comes from pension, RMD, and SS and those i...

ubermax

Internal Revenue Bulletin (IRB) 2018-10 dated 3/5/18 has the Standard Deduction for a joint return with both lives over 65 at $26,600 - there was some thought awhile ago that the adoption of chain cpi could change this as we go through 2018 , is this still a possibility or does this IRB represent fi...

ubermax

I didn't crunch the numbers like my guy Numbercruncher did, but that pension buyout seems very generous compared to other buyouts I've seen posted here. I would be very inclined to take it...and invest it conservatively. I agree - the lump sum as well as the 100%J&S are optional forms of benefit to...

ubermax

I don't understand the point of the calculations in the article. If you can determine the change in price of a bond given a change in yield, then you have access to bond math tools of some sort, like the spreadsheet PRICE function. If you have access to that, you also have access to something like ...

ubermax

Some additional explanation : I was able to duplicate the $100 price of the bond in that Investopedia article by valuing a temporary 10-year immediate annuity of $6 per year plus the final payment of $100 at the end of the 10th year using an interest rate of 6% per year - I'd be interested in knowin...

ubermax

Can someone quickly show how the $101 and $99.25 values for P(1) and P(2) were calculated? I got a term of exactly 10 years for a $100 bond priced at par and currently yielding 6% and so I assumed this was the bond in the example referenced by the OP - keeping everything the same but valuing this b...

ubermax

Sounds like you're at the poker table now , if you up your bid you could win or lose and possibly get the same outcome if you hold 'em , I'm now thinking about that Johnny Cash song , problem is how do we "know when" - Good Luck !!!

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