Search found 1729 matches

by ubermax
Sat Apr 10, 2021 2:32 pm
Forum: Personal Investments
Topic: Lump sum - now or later?
Replies: 7
Views: 1107

Re: Lump sum - now or later?

What is the life annuity benefit you could receive today at 55 vs that at 65 ?
by ubermax
Thu Apr 08, 2021 3:01 pm
Forum: Personal Investments
Topic: Lump sum vs. Annuity...it's time to decide - need some help!
Replies: 25
Views: 2270

Re: Lump sum vs. Annuity...it's time to decide - need some help!

OP , sounds like you were in a DB plan , was it traditional or cash balance ( CB) ? in a CB the lump sum is most likely your final estimated account balance and in a traditional it's generally an optional form of benefit valued using the life annuity , which is quite frequently the normal form of be...
by ubermax
Mon Apr 05, 2021 2:19 pm
Forum: Personal Consumer Issues
Topic: AWD vs 2WD in up state new york
Replies: 53
Views: 3306

Re: AWD vs 2WD in up state new york

Audi quattro AWD with good all seasons is sufficient for most driving situations in the snow .
by ubermax
Mon Apr 05, 2021 11:53 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 172
Views: 22672

Re: Oil change interval for low-mileage vehicles

Earlier of one year or 10k !!
by ubermax
Mon Apr 05, 2021 11:51 am
Forum: Personal Consumer Issues
Topic: Bike Rack (Roof) for 2015 Honda Accord
Replies: 8
Views: 536

Re: Bike Rack (Roof) for 2015 Honda Accord

NerdicSkier wrote: Mon Apr 05, 2021 8:33 am
Yet, I would recommend reviewing hitch or hatch mounted options. Loading bikes up top is a pain, and for me, it's only a matter of time before I forget they are up there and crash them into the garage or hurt my back loading them up.
Can totally relate , been there done that :(
by ubermax
Mon Apr 05, 2021 11:46 am
Forum: Personal Consumer Issues
Topic: Bike Rack (Roof) for 2015 Honda Accord
Replies: 8
Views: 536

Re: Bike Rack (Roof) for 2015 Honda Accord

Thule & Yakima are the main players but there are others - I like the square load bars from Thule - based on the make and model of your vehicle , rain gutters or without , their website can help with picking the bars and their attachment to the vehicle - after that your only limitation is the am...
by ubermax
Sun Mar 28, 2021 7:59 am
Forum: Personal Consumer Issues
Topic: exipred / obsolete propane jugs
Replies: 58
Views: 3921

Re: exipred / obsolete propane jugs

Took ours to our local Ace Hardware and we swapped , may have been a minimal disposal charge but the transaction was fast and easy .
by ubermax
Wed Mar 24, 2021 11:30 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 452
Views: 33149

Re: [On-going Scams - Post them here]

Not a scam but potential malware included in emails from people posing as someone on our FB friend list - so we screen the email and delete if not a known email .
by ubermax
Sat Mar 20, 2021 10:14 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 452
Views: 33149

Re: [On-going Scams - Post them here]

Got an email from the president of our HOA ( trusted person) saying that she was having difficulty buying an e-gift card from Amazon for a friend - said her bank balked and so wanted us to buy the $300 e-gift card and , if we agreed , she would provide the email of her friend - smelled a rat and cal...
by ubermax
Wed Mar 17, 2021 11:17 am
Forum: Personal Consumer Issues
Topic: Another laptop thread - value and photos
Replies: 28
Views: 1698

Re: Another laptop thread - value and photos

Just got the new Lenovo T14s ( ThinkPad) and love it - on the Lenovo website you can build and buy , lot of options and ports - highly recommend checking it out - in my arsenal I also have a Seagate 1TB external drive (not SSD) and a 64GB stick .
by ubermax
Mon Mar 15, 2021 1:27 pm
Forum: Personal Consumer Issues
Topic: Slight Sewer Gas smell coming from bathroom - Problem solved -maybe!
Replies: 25
Views: 3707

Re: Slight Sewer Gas smell coming from bathroom - Problem solved -maybe!

Years ago sewer gas leaked into the house of my childhood , ignited and blew the walls out - maybe today's homes have safeguards in place or possibly the OP didn't have sewer gas ??
by ubermax
Thu Mar 11, 2021 7:17 am
Forum: Personal Investments
Topic: Rollover IRA Money Combined With Traditional IRA Money
Replies: 2
Views: 248

Rollover IRA Money Combined With Traditional IRA Money

What is the rule regards combining Rollover IRA assets with Traditional IRA assets ?
by ubermax
Tue Mar 09, 2021 7:55 am
Forum: Personal Consumer Issues
Topic: Deadbolts Paired With or Without Locking Knob Set
Replies: 10
Views: 922

Re: Deadbolts Paired With or Without Locking Knob Set

In simple terms , if door has glass , keyed deadbolt only - if not then deadbolt with locking knob - security is the focus not convenience - DW and I learned this after our first apartment after getting married was broken into .
by ubermax
Tue Mar 02, 2021 12:55 pm
Forum: Personal Consumer Issues
Topic: It's Time To Replace my WIFI Router. Help????
Replies: 18
Views: 1931

Re: It's Time To Replace my WIFI Router. Help????

We have two Lenovo laptops , older one has Wi-fi 4 (802.11n standard) and the new one is Wi-fi 6 ( 802.11ax standard ) - just got a Linksys AX1800 Dual-Band Wi-Fi 6 router and it works great throughout our 3 -level condo without using a booster - our previous router was also Linksys but it was 10 ye...
by ubermax
Sat Feb 27, 2021 12:14 pm
Forum: Personal Consumer Issues
Topic: Cleaning out laptop dust
Replies: 17
Views: 1072

Re: Cleaning out laptop dust

I use one of their vacs , link below - consumer/electronics section on their home page - I've had it a long time and so the particular model isn't there but an upgraded version is probably available - it's a cannister model - what I like about it is that the suction is just enough to do the job with...
by ubermax
Sat Feb 27, 2021 11:55 am
Forum: Personal Consumer Issues
Topic: Does anyone have a pill splitter recommendation (specifically for small pills)?
Replies: 24
Views: 1437

Re: Does anyone have a pill splitter recommendation (specifically for small pills)?

For slotted pills , I've always used the blade on my jackknife and for non-slotted we have a small plastic no-name brand made in China - raise the lid and place pill at bottom of a V shaped positioner and then close the lid with metal blade - DW has no idea where she got the plastic pill cutting job...
by ubermax
Wed Feb 24, 2021 8:57 am
Forum: Personal Consumer Issues
Topic: New Laptop - Dell XPS
Replies: 29
Views: 1984

Re: New Laptop - Dell XPS?

Thank you. Is there a different laptop that you would recommend that perhaps isn't quite as premium? I don't mind paying up for the XPS, but if a Lenovo or something similar would do the trick and would stand the test of time, I would consider that instead. I'm a big fan of ThinkPads, the X1 Carbon...
by ubermax
Wed Feb 24, 2021 8:40 am
Forum: Personal Consumer Issues
Topic: Mounting on Plaster Wall versus Sheet Rock
Replies: 13
Views: 1125

Re: Mounting on Plaster Wall versus Sheet Rock

Thanks everyone for your time and very thorough and detailed replies - our SIL was fortunate to find an electrical outlet within comfortable cord reach of a stud in the wall - however , DW and I mounted ours in sheetrock using the provided plastic anchors and screws and have since noticed it pulling...
by ubermax
Tue Feb 23, 2021 7:23 am
Forum: Personal Consumer Issues
Topic: Mounting on Plaster Wall versus Sheet Rock
Replies: 13
Views: 1125

Re: Mounting on Plaster Wall versus Sheet Rock

I live in a house with lathe and plaster and the problem with most anchors is they are not long enough to get past the lathe and into the space behind. After trying several products now I only use these: https://www.homedepot.com/p/FLIPTOGGLE-1-4-in-x-2-1-2-in-Toggle-Bolt-2-Pack-425S/206347698 They...
by ubermax
Mon Feb 22, 2021 1:54 pm
Forum: Personal Consumer Issues
Topic: Mounting on Plaster Wall versus Sheet Rock
Replies: 13
Views: 1125

Re: Mounting on Plaster Wall versus Sheet Rock

For plastic, don't use anchors where the anchor itself is screwed in. That may cause the plaster to break. Regular drywall (the ones you drill a hole and tap in gently with a hammer) should be fine. Something like this should work as well. It is a toggle anchor. https://www.homedepot.com/p/Hillman-...
by ubermax
Sun Feb 21, 2021 5:41 pm
Forum: Personal Consumer Issues
Topic: Mounting on Plaster Wall versus Sheet Rock
Replies: 13
Views: 1125

Mounting on Plaster Wall versus Sheet Rock

DW and I just bought and sent our daughter a cordless vac that includes a wall mounted charging station - we have the same vac and mounted the charging station on a sheet rock wall using the screws and plastic anchors provided - however her house was built in the 40's and has plaster walls - from so...
by ubermax
Sat Feb 13, 2021 8:22 am
Forum: Personal Consumer Issues
Topic: Getting Rid of Ice Dams
Replies: 48
Views: 4666

Re: Getting Rid of Ice Dams

We're in CT living in a townhouse style 3-level condo and took in water that travelled to lower level maybe 3 years ago - ice damn situation - had our local electrician install electric heating cables on roof and gutters and they've worked great .
by ubermax
Tue Feb 09, 2021 3:15 pm
Forum: Personal Consumer Issues
Topic: Laptop Decision
Replies: 78
Views: 4572

Re: Laptop Decision

No, I received it last week. Unfortunately that configuration is now out of stock altogether on Lenovo's site, although other configurations of the P14s are available at a higher price. (Again P14s = T14 not T14s, which is lighter and thinner but has no RAM slot.) I think you're confused , the Leno...
by ubermax
Tue Feb 09, 2021 11:17 am
Forum: Personal Consumer Issues
Topic: Laptop Decision
Replies: 78
Views: 4572

Re: Laptop Decision

However, if inclined to go with a PC, the best laptop deal I have seen in a long time is a ThinkPad P14s AMD from Lenovo, via Working Advantage or Perks at Work (two employee discount programs). For $551, you get an 8-core Ryzen 7 4750U, IPS display, 8GB RAM (with an open slot for upgrades), 256GB ...
by ubermax
Sun Feb 07, 2021 10:27 am
Forum: Personal Consumer Issues
Topic: Laptop Decision
Replies: 78
Views: 4572

Re: Laptop Decision

DW and I have been sold on Lenovo for the past 12 years - specifically T series , 14 inch - we've experienced consistent reliability and the options available for an online build keep them up to date for our needs for several years - I've got a T470s and DW just recently got the new Intel equipped T...
by ubermax
Thu Feb 04, 2021 8:35 am
Forum: Personal Consumer Issues
Topic: Anyone prefer their old golf clubs?
Replies: 54
Views: 4202

Re: Anyone prefer their old golf clubs?

Had a set of Cleveland's , replaced with a mixture of Callaway and Ping but kept the 1,3,SW - I like the head size ( 400CC) and shaft of my Cleveland titanium head driver ( The Launcher in Cleveland speak :happy ) but it's lost it's pop - don't like head shape and feel of the Callaway driver and wou...
by ubermax
Thu Feb 04, 2021 8:20 am
Forum: Personal Consumer Issues
Topic: Heated Roof Cables
Replies: 6
Views: 773

Re: Heated Roof Cables

We're in CT , had ice damning a few years ago (maybe 5) with interior water damage , mostly from one location on roof but a small amount in a nearby spot , had local electrician install heating cables on roof & a couple gutters , on/off switch in garage close to kitchen door , they've worked gre...
by ubermax
Fri Jan 29, 2021 5:47 pm
Forum: Personal Consumer Issues
Topic: Vaccum recommendation?
Replies: 43
Views: 2720

Re: Vaccum recommendation?

We have a Dyson V10 cordless that we use in conjunction with a Neato robot vac. The cordless Dyson picks up way more dirt and has better suction than our former Shark plug in vacuum. The Dyson works soooo much better than any corded vacuum I have used. We use the robot vac to get under beds couches...
by ubermax
Fri Jan 29, 2021 10:14 am
Forum: Personal Consumer Issues
Topic: Vaccum recommendation?
Replies: 43
Views: 2720

Re: Vaccum recommendation?

KSOC wrote: Tue Jan 26, 2021 6:34 pm Yes, Dyson. It sucks. And it does it well.
+1 glad you agree , other responses contend that corded sucks better than cordless - our Dyson V11 Torque Drive sucks great and the emptying process is quick n dirty .
by ubermax
Thu Jan 28, 2021 9:34 am
Forum: Personal Consumer Issues
Topic: Do you cover your AC compressor in winter?
Replies: 50
Views: 4345

Re: Do you cover your AC compressor in winter?

Michael Patrick wrote: Mon Jan 25, 2021 10:53 am I put a small sheet of plywood over the top of it. That keeps out leaves and pine needles, but allows air flow and doesn't provide a hiding spot for critters.
+1 Do the same .
by ubermax
Tue Jan 26, 2021 6:12 pm
Forum: Personal Consumer Issues
Topic: Vaccum recommendation?
Replies: 43
Views: 2720

Re: Vaccum recommendation?

We've got a roughly 1900 square foot condo townhouse , 3 levels of which 2 are totally carpeted and the middle level is mostly carpeted with only the kitchen being uncovered oak - we just got two battery powered vacuums , a Dyson V11 Torque Drive and a Bissell Air Ram plus still have an old corded S...
by ubermax
Sat Jan 23, 2021 11:16 am
Forum: Personal Consumer Issues
Topic: Lens Cleaning
Replies: 16
Views: 1603

Re: Lens Cleaning

Just to add what I posted up above , sometimes stuff that lands on glasses , camera body and lenses , & laptop screens is more than just dust - some of the stuff adheres to those objects and needs assistance from some lens cleaner , mild liquid dish soap , and/or the finger tip but make sure the...
by ubermax
Sat Jan 23, 2021 11:00 am
Forum: Personal Consumer Issues
Topic: Buying a vehicle from across the country
Replies: 10
Views: 955

Re: Buying a vehicle from across the country

Son lives in Vegas , bought an Audi S4 sight unseen on the East coast & had it shipped out - also a Jeep Cherokee from Florida but in this case he had a friend check it out first ( but it was just a cursory look see , not a thorough inspection by a mechanic) - had good luck both times .
by ubermax
Fri Jan 22, 2021 10:11 am
Forum: Personal Consumer Issues
Topic: Lens Cleaning
Replies: 16
Views: 1603

Re: Lens Cleaning

Eyewear is easier. When there is dirt/solid particles on the lenses hold them under warm running water so when you wipe them down afterwards with lens cleaner and a lint free cloth you aren't scratching the lenses with whatever solid materials is on the lenses. Microfiber cloths work well too (I bu...
by ubermax
Wed Jan 13, 2021 4:00 pm
Forum: Personal Consumer Issues
Topic: How did you choose a location to retire?
Replies: 113
Views: 10332

Re: How did you choose a location to retire?

We're New Englanders and are use to the change in season , we've adapted as we age , DW more than me - our son and family including our 3 grandchildren are in Vegas , only like it to visit , not enough green there - our daughter and family including 2 grandchildren are in Boston where the seasons lo...
by ubermax
Sun Jan 10, 2021 10:45 am
Forum: Personal Consumer Issues
Topic: Shoes for winter walks
Replies: 39
Views: 2756

Re: Shoes for winter walks

Thank you everyone for the suggestions and ideas. I learned about some new shoe brands, that I was previously unaware of. I did some shoe shopping today, and I spent a little more than I had planned to. I tried on some Oboz, and Hoka's before deciding on a pair of On Running Cloudflyers Waterproof....
by ubermax
Sun Jan 10, 2021 10:40 am
Forum: Personal Consumer Issues
Topic: Purchasing an overpriced vintage item
Replies: 26
Views: 2198

Re: Purchasing an overpriced vintage item

I've got a 1959 Gillette adjustable razor that originally sold for $1.95 and now I could get $60.00 - overpriced ? who knows :happy
by ubermax
Sat Jan 09, 2021 9:01 am
Forum: Personal Consumer Issues
Topic: Razer Deathadder Mouse
Replies: 23
Views: 2260

Re: Razer Deathadder Mouse

I love Microsoft mice , have two , both wireless - can you still buy them with a cord ? - one is big and chunky , the other smaller - and btw I still have one of the first mice , a collector's item , it has a cord and fit into the back of an IBM PC - but my current laptop doesn't have the necessary ...
by ubermax
Sat Jan 09, 2021 8:49 am
Forum: Personal Consumer Issues
Topic: Is working overrated?
Replies: 31
Views: 1946

Re: Is working overrated?

I've been retired for almost 10 years and the more time I'm home the more I feel that working was overrated. Sure we needed the money and it was challenging (and very stressful) at times, but all the hoopla about acheiving goals, one's potential...blah, blah, blah...seem overblown to me. Love where...
by ubermax
Fri Jan 08, 2021 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Amortization schedule with Bi-monthly payment and extra payment
Replies: 9
Views: 648

Re: Amortization schedule with Bi-monthly payment and extra payment

Is this a theoretical questions, or is this about a real life loan? It is up to the lender how they process partial payments. Most I suspect would put these into an escrow account of sorts, and credit once a month. So as a pretty close approximation, 26 bi-weekly payments each of which equals half ...
by ubermax
Fri Jan 08, 2021 11:03 am
Forum: Personal Consumer Issues
Topic: Shoes for winter walks
Replies: 39
Views: 2756

Re: Shoes for winter walks

Glad this was posted , had same question/interest , lots of good answers and possibilities , I have the additional challenge of having narrrow feet , manufacturers seem to cater to mid widths , live in NE and want shoes that are warm , light weight , and comfortable for Winter walks like the OP.
by ubermax
Sun Jan 03, 2021 10:40 am
Forum: Personal Consumer Issues
Topic: Summer 2021 travel?
Replies: 81
Views: 5383

Re: Summer 2021 travel?

We have a summer family reunion every year in the North East , cancelled the one for 2020 , our ages range from mid 70's to elementary school , most can drive but our son and family will be flying in , July time frame - the vaccine rollout is slower than anticipated and not everyone in our family ma...
by ubermax
Sat Jan 02, 2021 10:07 am
Forum: Personal Consumer Issues
Topic: Very very warm Men’s Winter Coat
Replies: 67
Views: 5436

Re: Very very warm Men’s Winter Coat

Dad asked me to help find him a warm winter coat. Any suggestions for a warm (think very warm) winter coat. He is always cold and enjoys walking outside but has decreased this because of weather. In the past, he would shift to indoor exercise at his community gym. I don’t mind paying for quality bu...
by ubermax
Fri Jan 01, 2021 1:03 pm
Forum: Personal Consumer Issues
Topic: What kind of bike and where to get it - 2021 edition
Replies: 57
Views: 4074

Re: What kind of bike and where to get it - 2021 edition

Every BH bike thread regardless of year :-) 1.) Buy a brand name used bike on Craigslist, better than a cheap new bike, or 2.) Go to your local bike shop and get a bike that fits properly so that you can enjoy riding more, or 3.) order from bikesdirect.com for a better cheap bike and do final assem...
by ubermax
Mon Dec 28, 2020 4:00 pm
Forum: Personal Consumer Issues
Topic: What kind of bike and where to get it - 2021 edition
Replies: 57
Views: 4074

Re: What kind of bike and where to get it - 2021 edition

Our usage expectation: mostly riding on pavement in a town type atmosphere, and on paved bike routes thorough local parks, but we also would like to have something that can handle some light trail riding on other terrain without too much issue. I could see myself getting into other non-pavement tra...
by ubermax
Sun Dec 20, 2020 10:44 am
Forum: Personal Consumer Issues
Topic: Windows Defender
Replies: 38
Views: 2863

Re: Windows Defender

crefwatch wrote: Sat Dec 19, 2020 7:44 am I use Windows Defender because Wirecutter says it is sufficient. I was a loyal Norton customer for many years, but it slowed down too many processes, and sent too many non-urgent messages.
+1 Same experience with Norton - Norton & McAfee were the only ones in town for many years .
by ubermax
Sat Dec 19, 2020 7:38 am
Forum: Personal Consumer Issues
Topic: Windows Defender
Replies: 38
Views: 2863

Re: Windows Defender

runner3081 wrote: Sat Dec 19, 2020 6:49 am Absolutely. I run that and Malware Bytes, nothing else needed.
+1 Exactly what I do as well and very satisfied with the protection - Defender is included with Windows 10 and we pay an annual subscription to Malwarebytes for 2 computers .
by ubermax
Fri Dec 18, 2020 5:45 pm
Forum: Personal Consumer Issues
Topic: Color laser printer - worth it for intermittent light use?
Replies: 69
Views: 3017

Re: Color laser printer - worth it for intermittent light use?

Yes, I am 83 years old and used to have a darkroom to develop, enlarge and print from Kodak film taken by my Nikon SLR camera. I still use photo paper and paper money! Years ago I dabbled in B&W developing and printing using a bathroom for a darkroom - sold the Bogen enlarger years ago but stil...
by ubermax
Fri Dec 18, 2020 1:33 pm
Forum: Personal Consumer Issues
Topic: Color laser printer - worth it for intermittent light use?
Replies: 69
Views: 3017

Re: Color laser printer - worth it for intermittent light use?

We've had a Brother inkjet wireless printer for maybe 3 years now and love it ( $130 ) - small footprint and does color and b/w , moderate home use and we always buy Brother ink - haven't had a problem with ink drying out in between replacement - mostly printing with duplex mode available but also t...