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+10.67% for first half of year. 61% Equities 32% "Fixed" (mix of Bond Funds, I-Bonds, CD's, MM funds) 4% Cash 3% Physical PM

Took it at 63 vs. my plan to take at FRA date (66 + 2mos), or possibly later. Reason for going with 63, diagnosed with atherosclerosis at 62+ and got my first couple of stents soon after (seem to get another one or two every couple years in some part of body).

I have a mega-corp non-COLA'ed pension. I'm not sure if everybody can do this, but the "system" I log into for my retirement benefits management allows me specify 99 deductions and an additional $ amount for Fed and State Tax withholding so that is what I do so I know how much "base tax" I am...

I think Muni Bond interest is counted towards determining total income for SS taxation and IRMAA determination. Not 100% sure, here's one link I found on quick search. https://www.schwab.com/learn/story/not-always-tax-free-7-municipal-bond-tax-traps

-11.1% ytd AA 60/29/11

The process for me a little over 2 years ago was very easy, everything done (which wasn't much) online IIRC. The PIA part for me was dealing with viabenefits for Plan G and D supplements. Saw this thread, maybe it will be helpful...

I have been importing my Vanguard Tax info using TT for ~6 years (After Tax Brokerage account). Just did the import a couple of days ago for my 2021 taxes. IIRC for previous years I had to use my actual login credentials (Username and password). This year I had to use my account number and a...

Just paid $238 to renew $1M RLI policy in SE NC. House plus 2 cars with 2 drivers.

Too much according my Dr. :facepalm: At least 3, sometimes 4 or 5. So maybe ~4 on average. No sugar, sweetners, etc. Just a Dash of 2% milk to give it the illusion of not being black coffee :laugh:

Does anyone know if the the SSA (or whatever Govt. agency) automatically checks taxes returns each year (filing from 2 years ago) to determine (i.e.and automatically adjust up or down) IRMAA level each year? Or does one have file an appeal if they in IRMAA stage X, and their income drops...

Got TT Premier w/State (no free state efile though) from Amazon for $69.99 (plus NC tax) a couple of weeks ago. Looks like Amazon has the same price today.

I have had a NOCO BOOST GB40 (and a case) for a year or two. Takes up less room then a good set of jumper cables. Works great. Looks like they are on sale at Amazon. Can't speak to the "super high" temperatures. Summers where I am at are in the 90's. I check it twice a year and top of...

11% according to TT Summary

$150 for $1M with RLI. Couple, one house and two cars and two drivers in Eastern North Carolina. Probably will check on cost to bump it to $2M next time I talk to Insurance Agent.

Southern Coastal North Carolina No Mortgage Property tax ~$3000/year (assessed value ~395K) Insurance ~$1500/year HOA ~$2900/year(includes yard and common grounds maint., pools, activity centers...blah, blah, blah).

Planned 57.75 (so I would have my 140 SS quarters) Actual 55.75 (so I would have my sanity) Now [-]19[/-] 9 years later, no regrets on decision

3% of my nest egg is physical gold and silver. Most of it (~95%) gold. Bought in early 2000's when gold was in the low $300's/oz. Bought in several "buys" that were all less than $5K. Wish I had liquidated it in 2012 (or whenever it was when gold hit ~$1800 or so). If/when I do liquidate it...

Called TD again yesterday and the rep I got this time transferred me to someone who could, and did unlock my account after answering a bunch of "secret" questions. I asked why locked, and she said it was because of bank account changes as you mentioned. Seems strange that it took 3 days for...

Glad to hear you had a successful conversion. I have to agree TD is a poorly designed/built website (almost certainly built buy the lowest bidder based on poorly written ambiguous requirements IMHO). When I recently/finally set up my TD account, I looked around a bit looking for info on...

Will do, maybe a day or two of Treasury Dept. time equates to a week or two of actual calendar time :banghead: Strange thing was I didn't want to redeem the bonds (and I think that's the form I sent wit the Bonds), I just wanted them in my Manifest or whatever it is called (it has it's own...

I created a TD account about 3 weeks ago so I could electronically register a bunch of old (2001-2003) paper I bonds I had electronically. After setting things up and figuring how to do things, I printed out a "Manifest" for two of the $5K bonds and sent them off to Minneapolis certified mail...

Here are some older discussion threads on when to take SS. One has a poll. https://www.early-retirement.org/forums/f28/collecting-social-security-benefits-at-age-62-a-90176.html https://www.early-retirement.org/forums/f29/poll-when-will-did-you-draw-from-ssa-69230.html I took mine at...

I am 99.9% sure there is a way to do/file something (an appeal?) to have your situation revisited based on your recent 2019 tax return/income. I remember reading something about it on this thread or somewhere else. Unfortunately I can't point you to it.

Sent in SFA-44 with copies of 2017, 2018 and 2019 tax returns printed out from IRS account and and a brief handwritten note. Received Letter from SSA 2 weeks later that my IRMAA has been removed. ( i.e I have been "un-IRMA'ed" :dance: ) I was shocked how quickly this was turned around. Long...

YTD -4.9% after 5/8 market close. Was down over 10% not too long ago, I'll be happy with a "breakeven year"