Recent content by lonnie

Retired at 54 with no individual stocks. Still don’t have any years later. Gave up on that after some trials earlier

Have an insurance broker who specializes in these visit and explain the options to you. It really helped us understand and make a decision. Costs nothing to you and heir she can help you sign up too

If you knew the year you will die, then you could pick the perfect age for beginning social security. Otherwise, you are just making your best guess. Delaying the start of payouts is a bet on living longer and us a kind if insurance in case you do.

Rolu has been my favorite streaming platform. I recently got rid of fire tv and replaced it with another Roku. YouTube TV gets you local channels and many commonly used cable channels for 50 per month and has been rock solid for me so far. They have unlimited DVR as well. I went to all...

I have to second the idea that LED bulbs do last a long time, but the CFL ones I installed have to be replaced a lot more often than what I was led to believe.

try home phone via cell plan I added "home" phone unit onto cell family plan with ATT (but I think other providers have this too). Cost me $10 per month plus taxes. Kept the same home phone number. I did buy a set of the home wireless phones so I still have 4 phones sitting around the house...

I have been a member of Angie's List in Indianapolis for the last six years. Aside from being able to find out real world experiences that others have had with businesses (which I don't know how you can really do yourself otherwise), I have saved more than enough money with their discounts each...

I think that one very likely "cut" is that the social security for many of us will be fully taxed as income. That is a way to have a means-tested cut, yet not have any official cut listed on the social security payout list. Still, it is a 15% cut for most and a larger cut for others...

Delaying social security for as long as possible is one way to obtain some "longevity insurance". Still, living longer than expected seems like a good problem to have in any case!

credit card buying pattern The info that I read said that if you START paying for groceries with a credit card, when you were rarely or ever doing so before, that that will adversely affect your credit rating for some period of time. It is an indication that you are more strapped for cash than...

Try the Flexible Retirement Planner Online Monte Carlo Retirement Planner calculator. It lets one put in income that starts and ends for periods of time. I think you can put all of you inputs in there. It is a "Monte Carlo" simulator.

do a different kind of work My semi-retirement job is a series of consulting contracts that I can work on mostly from my living room. The pay is good and it keeps me doing some interesting work. When my last child is gone and my wife is fully retired, I will likely be wanting to give up this...

coaching I coach junior girls volleyball and give private volleyball lessons. It makes me a fair bit of money and I really enjoy being around the younger crowd and being able to help them do something that they enjoy.

me too! I am 54 and in the same place. Every calculater I check says I am OK financially (over 95%), but it is still hard to go from producing income to mainly consuming it. I too am interested in how to consumate this decision. I have been a steady worker since I graduated from college at...