Search found 1452 matches

by ubermax
Wed Nov 14, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Windows 10 October Update (1809)
Replies: 32
Views: 2265

Re: Windows 10 October Update (1809)

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 .
by ubermax
Mon Nov 12, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Windows 10 October Update (1809)
Replies: 32
Views: 2265

Windows 10 October Update (1809)

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...
by ubermax
Mon Nov 12, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2693

Re: How long have you had, or did you have, your HP-12C calculator?

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 .
by ubermax
Mon Nov 12, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2693

Re: How long have you had, or did you have, your HP-12C calculator?

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...
by ubermax
Sat Nov 10, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: State retirement pensions thoughts?
Replies: 36
Views: 3725

Re: State retirement pensions thoughts?

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...
by ubermax
Mon Nov 05, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4101

Re: Mice [updated - not a mouse]

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...
by ubermax
Thu Nov 01, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Issue Backing Up Files to a Memory Stick
Replies: 5
Views: 540

Re: Issue Backing Up Files to a Memory Stick

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...
by ubermax
Wed Oct 31, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Additional charges for kids in Las Vegas hotels
Replies: 25
Views: 2682

Re: Additional charges for kids in Las Vegas hotels

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...
by ubermax
Wed Oct 31, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Issue Backing Up Files to a Memory Stick
Replies: 5
Views: 540

Re: Issue Backing Up Files to a Memory Stick

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 ?
by ubermax
Wed Oct 31, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Issue Backing Up Files to a Memory Stick
Replies: 5
Views: 540

Issue Backing Up Files to a Memory Stick

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...
by ubermax
Wed Oct 31, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Treasure Island or Bally's in Las Vegas
Replies: 32
Views: 2269

Re: Treasure Island or Bally's in Las Vegas

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,...
by ubermax
Sun Oct 28, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Excel File Save Question - Running Windows 10
Replies: 4
Views: 583

Re: Excel File Save Question - Running Windows 10

Thanks HueyLD , great listing of possible trouble spots !!!
by ubermax
Sun Oct 28, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Excel File Save Question - Running Windows 10
Replies: 4
Views: 583

Excel File Save Question - Running Windows 10

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...
by ubermax
Wed Oct 24, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Excel Stumper
Replies: 4
Views: 770

Re: Excel Stumper

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...
by ubermax
Wed Oct 24, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Excel Stumper
Replies: 4
Views: 770

Re: Excel Stumper

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 !!!!
by ubermax
Wed Oct 24, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Excel Stumper
Replies: 4
Views: 770

Excel Stumper

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 .
by ubermax
Sun Sep 30, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Buying house in retirement??
Replies: 23
Views: 3888

Re: Buying house in retirement??

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...
by ubermax
Wed Sep 26, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house in retirement??
Replies: 23
Views: 3888

Re: Buying house in retirement??

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 ...
by ubermax
Sat Sep 22, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: General 2018 Tax Question
Replies: 33
Views: 3757

Re: General 2018 Tax Question

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 !!!
by ubermax
Thu Sep 20, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: General 2018 Tax Question
Replies: 33
Views: 3757

Re: General 2018 Tax Question

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...
by ubermax
Wed Sep 19, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: General 2018 Tax Question
Replies: 33
Views: 3757

General 2018 Tax Question

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 ?
by ubermax
Mon Sep 17, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 98
Views: 7637

Re: Leasing Cars in Retirement

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...
by ubermax
Wed Aug 29, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: How much a buffer zone in your estimate of retirement expenses?
Replies: 64
Views: 3141

Re: How much a buffer zone in your estimate of retirement expenses?

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 ?
by ubermax
Sun Aug 26, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit plan at work, not in compliance?
Replies: 11
Views: 1553

Re: Defined Benefit plan at work, not in compliance?

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...
by ubermax
Tue Jul 10, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 122
Views: 9839

Re: Keeping a checkbook register

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" :happy
by ubermax
Mon Jun 25, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Computer Security
Replies: 62
Views: 5223

Re: Computer Security

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...
by ubermax
Mon Jun 25, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Sudden appearance of multiple buyers real or negotiation tactic?
Replies: 61
Views: 4370

Re: Sudden appearance of multiple buyers real or negotiation tactic?

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 .
by ubermax
Mon Jun 18, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Tracking spending before retirement useful for estimating retirement expenses?
Replies: 72
Views: 4815

Re: Tracking spending before retirement useful for estimating retirement expenses?

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...
by ubermax
Thu Jun 07, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 6968

Re: Tires: Where to Get? Warranty? And Questions?

I've been happy with TireRack & the fact that a distribution center is nearby is a bonus .
by ubermax
Mon Apr 30, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 143
Views: 15799

Re: New Car: Ever make sense to lease?

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...
by ubermax
Sun Apr 29, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: How do you fund spending in retirement
Replies: 26
Views: 3710

Re: How do you fund spending in retirement

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...
by ubermax
Sun Apr 29, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 143
Views: 15799

Re: New Car: Ever make sense to lease?

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 ...
by ubermax
Sun Apr 29, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Standard deduction on federal return and itemized deduction on state return?
Replies: 12
Views: 1311

Re: Standard deduction on federal return and itemized deduction on state return?

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 .
by ubermax
Thu Apr 26, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 143
Views: 15799

Re: New Car: Ever make sense to lease?

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...
by ubermax
Sat Apr 07, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: How do you estimate your home's market value?
Replies: 53
Views: 4135

Re: How do you estimate your home's market value?

All great replies , in summary (1) Town Website/Assessor/Real Estate Info (for recent/comparable sales) (2) Zillow (3) Professional appraisal .
by ubermax
Fri Mar 30, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Chris Hogan's Retirement Calculator
Replies: 10
Views: 3708

Re: Chris Hogan's Retirement Calculator

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 !!!
by ubermax
Mon Mar 26, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 tax reform
Replies: 7
Views: 1068

Re: 2018 tax reform

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 .
by ubermax
Mon Mar 26, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 tax reform
Replies: 7
Views: 1068

Re: 2018 tax reform

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...
by ubermax
Mon Mar 26, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: How does your retirement spending compare to pre-retirement spending?
Replies: 48
Views: 7428

Re: Retirees: How does your retirement spending compare to pre-retirement spending?

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 .
by ubermax
Mon Mar 26, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Chris Hogan's Retirement Calculator
Replies: 10
Views: 3708

Re: Chris Hogan's Retirement Calculator

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 ...
by ubermax
Sat Mar 24, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: What is the sentence for laminating a Medicare Card?
Replies: 38
Views: 8968

Re: What is the sentence for laminating a Medicare Card?

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 :happy
by ubermax
Fri Mar 23, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: What is the sentence for laminating a Medicare Card?
Replies: 38
Views: 8968

Re: What is the sentence for laminating a Medicare Card?

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 ...
by ubermax
Thu Mar 22, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: What Budget? Do you keep one?
Replies: 116
Views: 9205

Re: What Budget? Do you keep one?

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...
by ubermax
Wed Mar 14, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Computing 2018 estimated tax - 2018 Pub 1040-ES instructions have an error?
Replies: 7
Views: 1117

Re: Computing 2018 estimated tax - 2018 Pub 1040-ES instructions have an error?

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...
by ubermax
Mon Mar 12, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Standard Deduction for 2018 Revisited
Replies: 3
Views: 831

Standard Deduction for 2018 Revisited

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...
by ubermax
Sun Mar 11, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup: What have I missed? Some questions (pension buyout, DW SSA filing)
Replies: 14
Views: 1070

Re: Portfolio Checkup: What have I missed? Some questions (pension buyout, DW SSA filing)

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...
by ubermax
Thu Mar 08, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Quick bond pricing + effective duration question
Replies: 9
Views: 1067

Re: Quick bond pricing + effective duration question

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 ...
by ubermax
Thu Mar 08, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Quick bond pricing + effective duration question
Replies: 9
Views: 1067

Re: Quick bond pricing + effective duration question

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...
by ubermax
Wed Mar 07, 2018 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Quick bond pricing + effective duration question
Replies: 9
Views: 1067

Re: Quick bond pricing + effective duration question

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...
by ubermax
Wed Feb 21, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 72
Views: 6589

Re: Multiple Offer situation/should we pull our offer?

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 !!!