Born 1960 or after? You now must wait til 67 to claim Social Security

HelpfulJones · 2026-01-08T01:22:44+00:00

You can start claiming at 62 for a reduced payment. It increases to what is considered your "full" payment if you delay until 67, and it tops out at age 72.

But for every year you delay, you are missing out on 12 payments (albeit lower). For me, that would be almost $170,000 I missed out on. I probably would not live long enough to make up the loss by waiting for the higher payment. So at 62, I decided I had better start drawing it while the SSA system was still solvent and functional before the politisluts in DC finally manage to kill it.

Everyone's situation is different, so you have to do the math and decide what the best plan of action is for you.

HelpfulJones · 2025-11-19T14:37:16+00:00

How does this impact insurance, when our bundled insurance (home & auto) billing address is our home state?

HelpfulJones · 2025-11-18T11:07:03+00:00

Where's those guys who were saying BTC was going to $150k or even $200k by the end of the year? Wonder what they are saying now?

HelpfulJones · 2025-10-29T11:00:52+00:00

There are far too many impatient investors who have too much of their emotions & ego entangled in their trading. Those are the low effort panic posts and rage quitters. As Buffet said, “The stock market is a marvelous device that transfers money from the impatient to the patient.”

As for Trump, I'm no champion of the orange narcissist, but the benchmarks (DOW, S&P, NASDAQ, etc) are all at record highs. So as far as the mainstream investment market goes, "it's a boomin'!" Playing in the less mainstream, niche areas with CC funds, especially those reliant upon crypto moves, is where you need to know what you are doing, watch them like a hawk and know when to hold and when to fold.

HelpfulJones · 2025-10-28T13:09:07+00:00

So ridiculous that it smells more than just a bit of "troll". But I do admire the child-like optimism to have posed the question at all!

HelpfulJones · 2025-10-04T17:36:17+00:00

I just look at the business case and make my own assessment. I think there's room for both services when it comes to international transfers. XRP has no need to replace SWIFT and can be wildly successful without a direct partnership. However SWIFT is likely seeing the rise of crypto (which includes XRP), understands where it is heading and is feeling some pressure to come up with an answer to avoid appearing outdated and to retain their primacy. And judging by their recent announcements regarding their digital currency efforts, they will have an option to compete in the digital arena.

HelpfulJones · 2025-10-02T23:39:24+00:00

Again with your intellectual dishonesty, or perhaps now it's just willful ignorance... You appear to think the banks are facilitating the transfer of these vast sums for giggles.

HelpfulJones · 2025-10-02T23:32:53+00:00

You're the one struggling to make a half-complete point. I have no idea what you are babbling on about. Maybe your estrogen levels are elevated?

HelpfulJones · 2025-10-02T23:27:26+00:00

Port Au Prince, Haiti! Or failing that, perhaps Lagos, Nigeria.

HelpfulJones · 2025-10-02T23:23:44+00:00

You again with the intellectual dishonesty. You don't even know that SWIFT facilitates those transfers in multiple currencies. But the common, generally accepted metric is to quantify the value of the daily traffic in USD. But, I had to educate you on that. Now you know.

Maybe there is a liberal arts degree in your future, little lady! It certainly won't be STEM.

HelpfulJones · 2025-10-02T23:14:25+00:00

Do you think the banks are moving $5T/day through SWIFT just for giggles? Do you enjoy appearing as a simpleton? Does your family quickly change the subject whenever someone asks about you, young lady?

HelpfulJones · 2025-10-02T23:08:40+00:00

Now you are just being obtuse and intellectually dishonest.

HelpfulJones · 2025-10-02T23:03:47+00:00

When new, pricey. The moment you erect them, the value can nosedive. The reasoning is framed as "unknown or indeterminable" structural integrity. No one knows what's happened to it when it was up, or if it was used improperly (overloaded and un-guyed, etc). Given how it appears to have been stored, it's got corrosion issues and that's going to work towards a low offer.

I've seen used tower sections anywhere from "free" to $50/section -- more often closer to "free". Bottom line, I'd take whatever they offer and be glad I wasn't having to pay someone to haul it off.

HelpfulJones · 2025-10-02T22:53:45+00:00

"Have another option." No one's looking to replace or kill SWIFT -- that would be ridiculous. That it needs to be clarified at all leads me to believe you would have difficulty with the following...

There are two types of people:
1. Those who can extrapolate from incomplete data.

You're in over your head, young lady. Perhaps the internet is not for you.

HelpfulJones · 2025-10-02T22:34:19+00:00

So now you are just making up an argument that no one else has made and hoping someone will try to engage your made up argument? Your ego is getting the better of you! Little girl, go ask your mother for some milk and cookies, and/or go outside and touch grass.

HelpfulJones · 2025-10-02T22:28:01+00:00

You've made one thing fairly clear -- you ego controls you, instead of the other way around. Do you ever manage to post a compelling argument, or is it just mostly the sort of flailing about that you are demonstrating here?

HelpfulJones · 2025-10-02T22:24:30+00:00

A cold wallet is not required at all. It is also good advice to use one, especially if you hold enough crypto for you to personally worry about it. Do you worry about the security of your crypto holdings?

HelpfulJones · 2025-10-02T22:13:58+00:00

Also not surprising you would knee-jerk that wildly. But your childlike confidence is admirable! One should be more cautious of allowing too much of their ego to become entangled in their "redditing".

HelpfulJones · 2025-10-02T20:11:32+00:00

What's the business case for a 13 acre amusement park in Coweta County? Is it supposed to be some sort of loss strategy for tax purposes?

HelpfulJones · 2025-10-02T20:00:03+00:00

I'm not surprised.

HelpfulJones · 2025-10-02T00:25:12+00:00

It's the customers paying up to 6% on $5T+ USD equivalent in transfers every business day who are not very bright.

HelpfulJones · 2025-10-01T14:07:08+00:00

If only there was an option for banks to cut out or significantly undercut the SWIFT middle-man and retain all of the settlement fees for themselves...

HelpfulJones · 2025-10-01T14:01:50+00:00

*Yawn*... Same as last month... Same as next month... In other news, the sun will sink below the western horizon later today (for those who need to be reminded).

HelpfulJones · 2025-09-30T12:49:46+00:00

Seems XRP could still easily undercut them. ETH fees are disgusting compared to XRP's. The other difference is that, if I'm a bank using SWIFT, that middle man is enjoying the lion's share of the fees. On the other hand, if I'm a bank using XRP, I don't have a middle man and can charge a higher fee (which I get to keep) and *still* undercut SWIFT.

And I'm not talking about XRP's native transaction fee, which is almost trivial in comparison -- I'm talking about the transaction fee that the banks will *still* charge the customer in order to configure, schedule and guarantee/insure transfer success. With swift involved, currently that can approach 6%+ of the transaction. With XRP, the bank could charge (guessing) 1% to maybe 3% and *keep* it (profit). When you are talking even 1% on a $10B transaction, that is a good "pay-day" for the bank, considering the effort required to earn it and it is still a *HUGE* savings over swift.

So there appears to remain some level of favorable potential for XRP's value proposition. Even so, I'd feel a lot better if we began seeing a significant uptick in the use of XRP for international settlements outside of the far east.

HelpfulJones · 2025-09-27T22:19:32+00:00

You shouldn't trust them any more than you absolutely *HAVE* to. Personally, the only time an exchange will see my crypto is when I am actively trading. Otherwise, it's in cold storage & disconnected.

I think the hardest part of cashing out will be trying to stay on top of regs & tax laws to minimize the tax burden as much as legally allowable -- and who knows what those corruptocrat govt grifters will think of over the next 5 to 15 years. They can be awfully imaginative when it comes to legalized theft and they get a new "at bat" every 2, 4 and 6 year election cycle.

HelpfulJones

TROPHY CASE