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Forum: FIRE and Money 08-27-2018, 01:46 PM
Replies: 5
Views: 680
Posted By jriemerm
I think a reasonable argument can be made for...

I think a reasonable argument can be made for either approach, but...

I don't look at it as giving up 3 1/2 years of survivor benefits, but as substantially increasing my income while I'm below 70...
Forum: FIRE and Money 08-27-2018, 11:37 AM
Replies: 5
Views: 680
Posted By jriemerm
Best time to withdraw from deferred compensation plan, taxwise

Hi,

I am newly retired at 60, on a Minnesota state pension and also Social Security survivor benefits. At full retirement age (66 1/2) I plan on switching from survivor benefits to my own Social...
Forum: FIRE and Money 03-02-2018, 08:54 AM
Replies: 5
Views: 498
Posted By jriemerm
You can't do it online, true, but I was able to...

You can't do it online, true, but I was able to successfully apply for survivor benefits over the phone. It didn't take long.
Forum: Life after FIRE 01-26-2018, 01:29 PM
Replies: 247
Views: 25,799
Posted By jriemerm
It's true in exactly the same metaphorical,...

It's true in exactly the same metaphorical, comparative sense that it's true of the United States, as in your original statement. Many Americans were not born on third base, but on average far more...
Forum: Life after FIRE 01-26-2018, 01:25 PM
Replies: 247
Views: 25,799
Posted By jriemerm
Yes, really. "...in general and on average,...

Yes, really. "...in general and on average, residents of the northern hemisphere are immensely more affluent than those of the southern hemisphere."

Do you disagree?
Forum: Life after FIRE 01-26-2018, 01:17 PM
Replies: 247
Views: 25,799
Posted By jriemerm
Agreed, there are exceptions. As there are in the...

Agreed, there are exceptions. As there are in the U.S. But in general and on average, residents of the northern hemisphere are immensely more affluent than those of the southern hemisphere.
Forum: Life after FIRE 01-26-2018, 01:12 PM
Replies: 247
Views: 25,799
Posted By jriemerm
True that. Or born in the northern hemisphere,...

True that. Or born in the northern hemisphere, for that matter.
Forum: Life after FIRE 01-26-2018, 12:46 PM
Replies: 247
Views: 25,799
Posted By jriemerm
Heh heh!

Heh heh!
Forum: Life after FIRE 01-26-2018, 09:35 AM
Replies: 247
Views: 25,799
Posted By jriemerm
Yes. A judgy tendency among some (certainly not...

Yes. A judgy tendency among some (certainly not all!) on the forum has kept me from getting more involved in discussions here. Many people of excellent character get into economic hard straits and...
Forum: Other topics 11-29-2017, 08:14 AM
Replies: 21
Views: 1,081
Posted By jriemerm
There can be subtle differences from carrier to...

There can be subtle differences from carrier to carrier, but it's almost always true that calls and plain text messages don't use data. It's also true as someone said above that some apps installed...
Forum: Other topics 08-24-2017, 12:03 PM
Replies: 8
Views: 623
Posted By jriemerm
When I brewed beer I used the product linked...

When I brewed beer I used the product linked below attached to a utility sink faucet in the basement. Incredibly effective.

https://www.amazon.com/Faucet-Carboy-Beer-Bottle-Washer/dp/B0055RSPKK
Forum: FIRE and Money 08-14-2017, 08:23 AM
Replies: 85
Views: 4,095
Posted By jriemerm
[/QUOTE]Agreed, not universally true. But as I...

[/QUOTE]Agreed, not universally true. But as I wrote, "in the vast majority of historical circumstances." There have been (rare) periods where home prices have been extremely inflated, and if you...
Forum: FIRE and Money 08-14-2017, 07:07 AM
Replies: 85
Views: 4,095
Posted By jriemerm
There it is. I think of buying a home not so much...

There it is. I think of buying a home not so much as an investment--a way to increase my wealth--as an inflation hedge. In the vast majority of historical circumstances, by the time 10 years have...
Forum: Hi, I am... 05-18-2017, 07:21 PM
Replies: 14
Views: 1,535
Posted By jriemerm
Yep, that's something I'm thinking about, too. On...

Yep, that's something I'm thinking about, too. On the other hand, in my case it's an $1100 bump at age 66, for four fairly young years when those extra dollars might come in handy for travel and such.
Forum: Hi, I am... 05-18-2017, 06:43 PM
Replies: 14
Views: 1,535
Posted By jriemerm
As long as I don't remarry before the age of 60....

As long as I don't remarry before the age of 60. After that there is no problem.
Forum: Hi, I am... 05-18-2017, 02:37 PM
Replies: 14
Views: 1,535
Posted By jriemerm
Yes, she actually makes a better living than me,...

Yes, she actually makes a better living than me, and has substantially more savings, but doesn't have the pension. I definitely prefer the pension, not having to think about the possibility of...
Forum: Hi, I am... 05-18-2017, 02:00 PM
Replies: 14
Views: 1,535
Posted By jriemerm
I can get by on that. Also, about $20K of the...

I can get by on that. Also, about $20K of the savings is in a tax-free health care savings account, which can cover premiums with tax-free money for the first couple of years.

If I needed to I...
Forum: Hi, I am... 05-18-2017, 01:43 PM
Replies: 14
Views: 1,535
Posted By jriemerm
Yep, that's what I figure. And my needs are...

Yep, that's what I figure. And my needs are pretty simple.
Forum: Hi, I am... 05-18-2017, 11:38 AM
Replies: 14
Views: 1,535
Posted By jriemerm
Thanks, all! LRDave, fair question! But once...

Thanks, all! LRDave, fair question! But once we're maintaining one household rather than two that ought to save us both quite a bit. And neither of us are big spenders. We've been living in her house...
Forum: Hi, I am... 05-18-2017, 08:36 AM
Replies: 14
Views: 1,535
Posted By jriemerm
Retiring early at 60, in Feb 2018

Hello, all! I hope to have some good conversations here!

I'm lucky enough to have started in a state government job 30 years ago, with a decent pension plan that had a "rule of 90" option I...
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