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I apologize if this has been previously posted, but I didn't see it. Apparently, you can only apply to pay back your benefits within 12 months now. Social Security Press Office: Social Security Publishes New Rule Revising Withdrawal Policy

I'm sure my question has been answered on this forum before, but there have been so many SS threads that searching them was impractical. If you retire early, say at 55, does your SS benefit get increase by the COLA while not working? For example, say your Benefit statement says you will...

Wasting no time in proposing new taxes: House Democrats contemplate abolishing 401(k) tax breaks - InvestmentNews

Retiring July 4 (Independence Day), how cool is that? Turn 60 on June 28.

Firecalc seems to be a popular calculator on this forum. How do you account for income taxes and RMDs? These seem to have a very large impact to the spreadsheets I have built. Especially, since over 80% of my nest egg is in qualified accounts.

For those who have ER'd, what has been your experience when applying for financing for cars, furniture, etc.? That is, seeing how your application would show your are unemployed, how do lenders look upon ER'd people?

Does anyone know when Vanguard will have those new funds available on their website?

If I purchase an immediate annuity with traditional IRA money before I turn 70, how will this affect the required minimum distributions after age 70 1/2? In other words, will the RMD percentage be applied to the IRA balance as it was before the purchase or will the purchase effectively reduce...

Very basic that is. It is my understanding that Firecalc disregards income taxes from its calculations. (Go figure) Therefore, do you add in income taxes to your "Annual Spending"?

Anyone invested in this fund? Symbol is ADVDX. This looks like a good alternative to bond funds. Plus you get the dividend tax rate instead of the interest tax rate. Current yield is 13.7%.

Scott Burns has started a poll about the "Fair Tax" (oxymoron?). You can see it here: http://www.dallasnews.com/sharedcontent/dws/bus/scottburns/columns/2006/stories/101906dnbusburnstoo.50f89926.html I definitely think we need a tax reform, but I don't agree with all of his arguments. For...

Fidelity has launched a new website that provides information for retirement issues from their Fidelity Research Institute: http://www.fidelityresearchinstitute.com/ Their first publication, "Beyond Conventional Wisdom" is on the website and you can download in PDF format. This document...

If interest rates were to rise to the levels of the period from Oct '79 thru Oct '85, would you buy bonds? I noticed that the 10-year treasury averaged* 12.1% yield during that period.  If, knowing what you know now, that happened again, would you increase your allocation of  treasuries?  Maybe...

Here is a link to the latest Ben Stein article: http://finance.yahoo.com/columnist/article/yourlife/7314 I think he is trying to make the point that people should save more.  Duh. But, if people take to heart what he is saying, it would seem to destroy any incentive to save.  That is, why...

I've been reading a retirement book and a chapter is about the RMD on conventional IRAs. The "Uniform Distribution Table" is included that tells you the divisor to use to determine the amount of your IRA you must withdraw for each year past the age of 70½. I put these divisors into my...

http://money.cnn.com/2006/06/13/magazines/fortune/bing_retirementguide_fortune/index.htm Not about annuities this time ;)

Here is an article from Smartmoney.com that provide a type of "longevity insurance": http://www.smartmoney.com/insurance/index.cfm?story=20060614

I apologize if this has been posted before and it probably has.  However, the subject matter seems to be of great interest and I think the spreadsheet calculator is, if nothing else, extremely interesting. This is a link to Heny Hebelers "Analyse Now" web site.  http://www.analyzenow.com...

Here is a link to an interesting paper on maximizing social security income. I got the link from the "Retirement Weekly" publication: http://www.incomebridge.com Admittedly, they do have a product to sell, but I think there is a lot of valuable info in the paper.

I've been reading the posts here for a few months. It's a great forum and I read it everyday. I have finally got around to registering and I hope that I can contribute as well as learn. I have plans to ER in about 31 months (end of '08). I am an engineer for a large telecommunications company...