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ubermax

What is the life annuity benefit you could receive today at 55 vs that at 65 ?

ubermax

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...

ubermax

Audi quattro AWD with good all seasons is sufficient for most driving situations in the snow .

ubermax

Earlier of one year or 10k !!

ubermax

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

ubermax

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...

ubermax

Took ours to our local Ace Hardware and we swapped , may have been a minimal disposal charge but the transaction was fast and easy .

ubermax

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 .

ubermax

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...

ubermax

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 .

ubermax

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 ??

ubermax

What is the rule regards combining Rollover IRA assets with Traditional IRA assets ?

ubermax

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 .

ubermax

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...

ubermax

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...

ubermax

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...

ubermax

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...

ubermax

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...

ubermax

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...

ubermax

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-...

ubermax

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...

ubermax

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 .

ubermax

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...

ubermax

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 ...

ubermax

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...

ubermax

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...

ubermax

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...

ubermax

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...

ubermax

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 .

ubermax

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 .

ubermax

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...

ubermax

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...

ubermax

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 .

ubermax

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...

ubermax

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...

ubermax

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....

ubermax

I've got a 1959 Gillette adjustable razor that originally sold for $1.95 and now I could get $60.00 - overpriced ? who knows

ubermax

How about just bigger monthly payments ??

ubermax

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 ...

ubermax

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...

ubermax

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 ...

ubermax

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.

ubermax

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...

ubermax

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...

ubermax

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...

ubermax

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...

ubermax

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 .

ubermax

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 .

ubermax

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...

ubermax

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...

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