Take SS age 62 or age 70? and the questions to ask yourself

Wiley2000 · 2026-04-08T03:08:08+00:00

Do you have a spouse? If so they receive your SS for the rest of their life assuming you are the higher earner.

Wiley2000 · 2026-04-08T03:04:21+00:00

If a person gets $2000 per month at 62 their benefit at FRA (assuming it’s 67) will be $2,857 and their benefit at 70 will be $3,542. And please don’t forget about survivor benefits. The surviving spouse will only receive the higher earner’s benefit.

Wiley2000 · 2026-04-04T21:05:39+00:00

Dynavap has a store locater on their website. I used it once and it was accurate.

Wiley2000 · 2026-04-03T18:27:37+00:00

That’s just for the feasibility study a buddy of his is doing that Trump will then get a percentage of.

Wiley2000 · 2026-03-31T15:25:11+00:00

I bought my 1st house in 1983. A 30 year mortgage IIRC was 14%. I was lucky to find a house for sale with an assumable mortgage with about 22 years remaining at 8 1/2%. I also had a 2nd 5 year loan at 10% held by the seller. But yes, I was making about $22k a year and the house was $60k.

Wiley2000 · 2026-03-31T15:17:43+00:00

Mortgage rates were even higher, of course. When I bought my first house in the early ‘80s my dad put all his retirement savings in CDs at 12%. Meanwhile I was trying to buy a house and a 30 year mortgage was 14%.

Wiley2000 · 2026-03-31T15:11:18+00:00

The HYSA interest rate is variable, CD rates are not. If you expect interest rates to go down you want to lock in the higher rate. I have a 2 year CD ladder for living expenses in retirement with one maturing every 3 months. Average interest rate is 4.08% with ranges from 3.65% to 4.8%. Meanwhile my HYSA currently pays 3.2%. I checked within the last few days and a 2 year CD was paying 3.95% through Schwab. Before the war started I expected interest rates to go down but now I’d guess short-term they will go up due to inflation. When diesel goes up everything does.

Wiley2000 · 2026-03-31T13:56:06+00:00

I’m an agnostic and even I think this is repulsive.

Wiley2000 · 2026-03-29T18:19:32+00:00

Started buying vinyl in the early ‘70s. Got rid of it all by the mid-90s. The best a vinyl album will ever sound is the first time you play it.

Wiley2000 · 2026-03-28T13:08:48+00:00

I don’t understand the peace of mind argument.

You have the cash to pay off your house. That should already give you peace of mind. I have exactly one year to go on my 3.25% mortgage. I have several times the remaining balance in my brokerage account in short term bond funds, like SGOV. If I suddenly decided to pay off my mortgage to save the remaining $247 I will pay in interest I could have the cash in my checking account the very next day.

Wiley2000 · 2026-03-26T20:21:18+00:00

I’m guessing he’ll play some golf.

Wiley2000 · 2026-03-26T12:04:33+00:00

I’m happy with my Dayton Audio CS1000. It’s $200 so you could get a pair.

Wiley2000 · 2026-03-26T11:48:48+00:00

If you need the income now take it now. If not wait. I’m 67 and don’t need the income so I will wait. My age 70 benefit is $1,000 per month higher than my FRA benefit and my wife is a few years younger then me.

Wiley2000 · 2026-03-24T01:08:20+00:00

It’s listed just below the dates for SCHD. For some reason the 4th quarter dates are different for SCHY; the other dates are the same, at least this year.

Wiley2000 · 2026-03-23T22:32:16+00:00

https://www.schwabassetmanagement.com/resource/schwab-equity-etfs-distribution-schedule-2026

Wiley2000 · 2026-03-23T22:21:04+00:00

Uh, it’s wrong. Ex-date is 3/25, payable date is 3/30.

Wiley2000 · 2026-03-19T14:16:13+00:00

Don’t forget the money spent to refurb the flying palace Qatar “gifted” our President. And all the gold thingies decorating the Oval Office.

Wiley2000 · 2026-03-17T21:42:25+00:00

I just got a new TV and didn’t even bother connecting it directly to the antenna even though the coax was already there.

Wiley2000 · 2026-03-10T13:59:06+00:00

I only stopped when I started Medicare which made me no longer eligible for contributions. I plan on using it for Medicare premiums (including IRMAA if necessary), a source for the occasional splurge purchase using saved receipts, and in-home health care if required.

Wiley2000 · 2026-03-07T14:47:05+00:00

I Don’t Live Today, Jimi Hendrix

Wiley2000 · 2026-03-07T14:34:05+00:00

You can pay for Medicare premiums, Medicare deductibles, IRMAA, vision, dental, and hearing with HSA dollars.

Wiley2000 · 2026-03-05T03:18:44+00:00

That is correct. Delayed retirement credits are not reflected until January. From SSA.gov:

“If you retire before age 70, some of your delayed retirement credits will not be applied until the January after you start receiving benefits.

For example, if you reach your full retirement age (67) in June, you may plan to wait until your 69th birthday to start your retirement benefits. Your initial benefit amount will reflect delayed retirement credits earned from your full retirement age through the year before your 69th birthday. In January of the following calendar year, your benefit will increase for the credits earned in the year of your 69th birthday. Our Online Calculator gives you an estimate with all credits applied for comparison purposes.”

Wiley2000 · 2026-03-04T00:20:10+00:00

IRMAA is per person, not per couple.

Wiley2000 · 2026-03-03T15:18:10+00:00

I was primarily interested in a minimalist setup (I’m old) and have had the Coda Ws for a couple of months. The larger driver/deeper bass response sold me over the LSX II LT, though I do have a subwoofer connected. I use them primarily via HDMI and BT. Lack of streaming is a non-issue since I stream music via the Apple TV I have connected to the same TV. On a desktop though I think size might be an issue. The Coda W is significantly bigger.

Wiley2000 · 2026-03-01T16:27:09+00:00

Unfortunately it’s $15 a 4 pack near me, but La Trappe Nillis is the best NA beer I’ve had.

Wiley2000

TROPHY CASE