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Old 08-24-2008, 05:26 PM   #21
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Take it and sign the checks over to me. I'll supply you with a suitable rubber stamp, a lifetime supply of self-addressed stamped envelopes, and I'll even mail you a cheesecake and some of my infamous home made rum soaked fruitcake ever christmas.

Would you also throw in smoked BACON ?
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Old 08-24-2008, 05:26 PM   #22
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Eh, I was planning on leaving it that way and seeing which internet addict was going to notice first.

DING DING DING! You're a winner! You get to send me your social security checks!!!

Good avatar though, dontcha think? Pretty much sums it up...
I'll consider it when I'm 70.
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Old 08-24-2008, 05:33 PM   #23
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Would you also throw in smoked BACON ?
I would!

In fact, I could put you on the "Bacon of the month" club. Very exclusive. Limited only to people who send me their social security checks.

But lemme tell ya, the fruitcake is worth every penny...
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Old 08-24-2008, 06:58 PM   #24
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I would!

In fact, I could put you on the "Bacon of the month" club. Very exclusive. Limited only to people who send me their social security checks.

But lemme tell ya, the fruitcake is worth every penny...
Thats kinda like a bacon annuity! Holy crap patent that idea!
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Old 08-24-2008, 07:06 PM   #25
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If it was a bacon annuity, you'd have to send me five thousand pigs.

In return I'd send you a pound of bacon per month.

I wont reveal the source of the bacon. I will however send you two thousand pages of random materials. Somewhere in a paragraph on one of them, its possible I will identify the source of the bacon.
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Old 08-24-2008, 07:17 PM   #26
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Poor piglets..
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Old 08-24-2008, 07:20 PM   #27
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Hey, the bacon could be beef, turkey or chicken. Or some sort of tofu based concoction.

All I can tell you is that you'll get your allocated pound every month, guaranteed.
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Old 08-24-2008, 07:22 PM   #28
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But sir why would I trust you with my own bacon? I know how to manage my piglets
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Old 08-24-2008, 07:26 PM   #29
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Big rock might fall out of the sky and wipe them out.

I actually made and ate tofu bacon once.

Once.
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Old 08-24-2008, 07:27 PM   #30
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I have to say I like turkey bacon.
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Old 08-24-2008, 07:29 PM   #31
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I'm so sorry.
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Old 08-24-2008, 07:31 PM   #32
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Sorry for the derail he started it

Wait actually Moemg did. So she derailed her own thread!
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Old 08-24-2008, 08:20 PM   #33
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Sorry for the derail he started it

Wait actually Moemg did. So she derailed her own thread!
It's ok - I love bacon and my early SS checks - one more year and I'll be a regular bacon/er SS checker or something.

Hey - I thought I was the only guy trying to let most of my trad IRA ride/compound longer toward 701/2!



Fried bacon with sauteed onion and garlic - and SS checks forever.

heh heh heh - who realizes if this were another forum we would be overrun with calc.'s, spreadsheets, tables and graphs? Crossover? don't need no stinking crossover when I got bacon. .
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Old 08-24-2008, 08:57 PM   #34
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Sorry for the derail he started it

Wait actually Moemg did. So she derailed her own thread!

What fun is a non derailed thread ?
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Old 08-24-2008, 09:50 PM   #35
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I'm not concerned with spending time and effort to make sure I get the most money out of the system.

I might not take SS at all if I don't need it; I'll leave it in the system for those who do need it.
Like my uncle who pretends to have "black outs" and hasn't had a job in 10+ years. But your right, I wouldn't want to take the money when there isn't any there in the first place.
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Old 08-24-2008, 10:07 PM   #36
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Like my uncle who pretends to have "black outs" and hasn't had a job in 10+ years. But your right, I wouldn't want to take the money when there isn't any there in the first place.
The way I see it is you're not saving anybody. If there is not enough money the fed will print it. So there is no way to escape. Take it when you can and give it away.
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Old 08-24-2008, 10:42 PM   #37
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Also under current rules, if you take it at 62 you have the option to re-apply for the higher rate at 70 and simply pay what you had received back without interest. Some are doing that today. I shouldn't say simply as I've read it is a complicated procedure. But it does seem like another pretty good reason to go ahead and take it at 62 and re-evaluate things at 70.

Edit: Didn't see Alan's response. Basically what he said.
Would that be gross? Say you were getting $10k a year (for round number sakes) and you paid whatever taxes on it.

So at age 70, you pay back $80k to the govt. and they recalculate at higher payments?
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Old 08-24-2008, 11:09 PM   #38
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Moemg....

Just as an fyi, having your spouse subject to GPO makes the situation the same or similar to being single as far as SS goes......

That's my situation and I'll be starting SS at 62.
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Old 08-24-2008, 11:23 PM   #39
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I like my spendable income to increase every year; it gives me a good feeling. I know I maybe should do the take and pay it back thing, but it is more trouble than I want to go through, and I am afraid that when I came to the window they would say- "Sorry, that is so last year!".

Since I only care what my lifestyle is like, not what I might leave on the table, it seems wise to me to delay all the way to 70 or thereabouts. If the S&P were to fall 50%, I would start it immediately.

But if I am dead I have more than enough money. If I live to be 100, that higher SS might really come in handy.

Regarding the worry that it may become means tested- maybe so, but I think that might be the beginning of the end of the program. They already backdoor a lot of progressivity with taxation of benefits. And of course the whole benefit algorithm is highly progressive. So while this may happen I don't fear it, and I also don't think one would necessarily be grandfathered anyway.

Ha
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Old 08-25-2008, 09:14 AM   #40
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I am extremely lazy.
Direct deposit it to your saving account. Did you go to college? If you did, have your alma mater take the payment out of your account and invest in an endowed scholarship in your name or something.....
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