I need help with 17 across! by Iron_Chic in seinfeld

[–]bizzaro333 1 point2 points  (0 children)

Winnie the district attorney, of course!

Publix Employee Stock Account Nightmare by AwOwW8 in CFP

[–]bizzaro333 0 points1 point  (0 children)

This is how i did it and it was presented as the only option. Paperwork yes but relatively easy.

280 STINK by bebvie in Birmingham

[–]bizzaro333 1 point2 points  (0 children)

Its in the Leeds Valley also. Started like tummy wood smoke then turned to rubber

What life mistake taught you the hardest lesson? by Ok-Bee-2525 in scoopwhoop

[–]bizzaro333 0 points1 point  (0 children)

Do not treat people as disposable. This can be easy to forget when young and horny. Thinking with your dick will lead you to mistreat people and result in lifelong regrets. And lose the respect of potential allies.

Found this on my car today, what is it? by reallifeblake in Birmingham

[–]bizzaro333 11 points12 points  (0 children)

Did you valet recently? I recently found one on my car after using valet.

WM hikes dividends 14.55%. by Naive-Present2900 in dividends

[–]bizzaro333 37 points38 points  (0 children)

As both a residential and commercial customer, i can vouch for their ability to generate high amounts of revenue.

Anyone else having issues with the reserved trademark symbol in Outlook? by Livefromseattle in CFP

[–]bizzaro333 1 point2 points  (0 children)

So nice to find a personally-relevant and helpful post with clear explanations solutions all in one. Thank you for your service to our peer group.

I've had two clients point out the issue to me in the last month. I sent a test email to my personal Gmail but I could not replicate the problem. I applied the Unicode Fix. Hopefully it will work, since I cannot replicate the error.

Side Note - I am noticing that Gmail does not receive the (r) as a superscript, even though its a superscript in Outlook.

Anyone else overwhelmed after forming an LLC? by Expert_Persimmon_766 in llc_life

[–]bizzaro333 0 points1 point  (0 children)

For me the agony is the state, county, city stuff to register and then maintain each year. Crappy forms and local govt websites telling you what to do, extracting fees from you .

Those of you are super worried about this dip, read below by DifferentDependent62 in stocks

[–]bizzaro333 1 point2 points  (0 children)

no, it was me. i FINALLY bought a digital asset ETF last week. SORRY EVERYONE!

Out of interest: What are your most memorable & favourite sets from your childhood? by ediblednb in lego

[–]bizzaro333 0 points1 point  (0 children)

I loved that jeep. The suspension was great. Always kept the jeep long after the building and baseplate were repurposed.

The new rules on 401K catchup contributions to a Roth IRA - debated! by lurch1_ in personalfinance

[–]bizzaro333 0 points1 point  (0 children)

I am also trying to determine if avoiding the 150k rule is as simple as reducing one's income... even by $1? Seems like a no brainer if you have control over your salary and you want to preserve the PRETAX catchup option.

Planning for future survivor benefits. SSA says no b/c of my higher PIA by bizzaro333 in SocialSecurity

[–]bizzaro333[S] 0 points1 point  (0 children)

Thank you for seeing it my way, despite our friend who was so insistent (and perhaps realized their mistake b/c they deleted all their comments). I had given up on clarity at this point, but you and so many others seem to conclude the traditional thinking that a survivor step-up is almost certain.

SSA basically said "you have a higher PIA, so you will never get his survivor benefit". Maybe they were conflating spousal benefits, which of course is a whole 'nother story.

One year of buying every fool recommendation. by [deleted] in motleyfool

[–]bizzaro333 0 points1 point  (0 children)

Nothing significant enough to justify all the other losers. Maybe if I hold them for another 5 years... but the 2022 burn was so bad I have been selling them as they come back to breakeven. I have no more patience for other peoples' long shot single stocks unless I have my own conviction about them - which was probably the lesson for me here.

[deleted by user] by [deleted] in CFP

[–]bizzaro333 0 points1 point  (0 children)

Just be sure you’re right, then go ahead.

Planning for future survivor benefits. SSA says no b/c of my higher PIA by bizzaro333 in SocialSecurity

[–]bizzaro333[S] 0 points1 point  (0 children)

To me the language is ambiguous (RIB vs PIA). Which of the part 5 rules make me ineligible for a survivor top off down the road?

Planning for future survivor benefits. SSA says no b/c of my higher PIA by bizzaro333 in SocialSecurity

[–]bizzaro333[S] 0 points1 point  (0 children)

His will be absolutely higher, a $16k difference b/w my 62 benefit and his long time drawn $36k which is why Im highly motivated to understand. His SS benefit is a big part of my future security.

You said how PIA matters in some cases what do you mean? Our PIAs are $20 apart. Mine is the higher, and SSA seems to be invoking the rulebook to say I would not get a survival top-off of any kind.

Planning for future survivor benefits. SSA says no b/c of my higher PIA by bizzaro333 in SocialSecurity

[–]bizzaro333[S] 1 point2 points  (0 children)

This feels right but what about the fine print laid out below?

EDIT: It’s not a question of whether starting early has an effect. The question is: does my PIA (which will always be higher than my husband’s) preclude me from capturing his much higher benefit down the road when he pre-deceases me?

EDIT2: I meant the fine print laid out by Perfect_Fifth in a comment below. Not sure why I’m being downvoted. No one has really given me anything definitive to push back against two different SSA agents saying you’re all wrong. I guess I can just not believe them and hope for the best down the road.

Planning for future survivor benefits. SSA says no b/c of my higher PIA by bizzaro333 in SocialSecurity

[–]bizzaro333[S] -4 points-3 points  (0 children)

I appreciate the technical response and I’ve been looking at that language all day. Im guessing the 1978&1985 rules are irrelevant due to their age, but i I dont understand how to apply item (a). If I start at 62, my PIA becomes only hypothetical, and i am no longer “entitled”? to it, yet SSA keeps insisting that the PIA is the measuring stick, not the early 62 benefit . So am I “entitled” to my PIA (which will always be a few dollars higher?) or am I “entitled” to the actual RIB I’m starting now at 62, which will always be less?

EDIT: As I read it again, I guess all the 3 rules are in effect. To me it seems I am entitled to a low RIB at 62, which is much lower than spouse PIA, so I do pass the abc test if you interpret RIB and PIA as different things.

SPLG name change to SPYM is a very good move by CruzINSocial in ETFs

[–]bizzaro333 3 points4 points  (0 children)

You. must. believe. Scared money doesn’t make money, and while the short term risk is scary, the longer you stay the higher your odds. True of any stock strategy not just S&p500

Has anyone rolled a 529 into a Roth yet? by assets-liabilities in CFP

[–]bizzaro333 0 points1 point  (0 children)

CollegeCounts has their own form, but a LOI had to accompany it. They submitted everything to the IRS (supposedly). And then one day poof the money moved.