grasshopper
Thinks s/he gets paid by the post
- Joined
- Oct 9, 2010
- Messages
- 2,472
Most folks just sick the cats on us.
Are the reports from www.socialsecuritysolutions.com worth anything?
- Thread starter ScaredtoQuit
- Start date
When I click on the image of your wife I see a picture of actress Salma Hayek. Is that who you married?
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haha
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Yes, but he felt she was inadequate up top so as a wedding present he got her a boob job. You should see her now.
Ha
Ha
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It's probably the age. Many in our range see the first glimmers of declining cognitive function and a physical capability.
To help offset this I'm doing a bit more aerobic exercize, DW says lecithin helps with brain function.
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NYEXPAT
Thinks s/he gets paid by the post
No, DW is 16 years younger and with a slightly different nose. Other than that she is anatomically correct!
NYEXPAT
Thinks s/he gets paid by the post
It's probably the age. Many in our range see the first glimmers of declining cognitive function and a physical capability.
To help offset this I'm doing a bit more aerobic exercize, DW says lecithin helps with brain function.
As your wife is Venezuelan, I am surprised she does not have you taking "Maca"!
My wife makes me a "Maca Shake" (Maca root,bananas,strawberries and orange juice) every morning and I find myself "chasing her" 3-4x a week.
No, our diet includes some dietary and nutritional supplements but no maca root. No running away either. We enjoy each other's company and go everywhere side by side, and often hand in hand.
I still hold my wife's hand when we are out as well - keeps her from shopping
Excellent strategy.
LakeTravis
Recycles dryer sheets
I still hold my wife's hand when we are out as well - keeps her from shopping
I need to try that.
HFWR
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Does she have a sister?
I didn't see anyone here report that they used www.socialsecuritysolutions.com and had a spouse that worked 20+ years under social security and then 15+ years as a teacher which wasn't uder social security. I'd be interested to see if anyone had used the website and what "level" they used to get GPO offset and the windfall provision taken into account.
NYEXPAT
Thinks s/he gets paid by the post
Actually, she has 24 y/o identical twin sisters who live with us as well. They just recently finished a 5 year University Nursing program and along with my YW are currently reeking havoc among the doctors at the British-American hospital were they work!
If twins aren't your thing, I also have a 23 y/o Swedish-Peruvian nurse who lives with us as well. I took her in recently and it is a rather sad story that deserves it's own thread.
pb4uski
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
So you're living with 4 hotties?
NYEXPAT
Thinks s/he gets paid by the post
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RetireBy90
Thinks s/he gets paid by the post
So my DW is 3 years older than I am, and 1/2 of my benefit at fra is less than her draw when she is 66, then my plan is for her to take at 66 (FRA), and I file for spousal been when she is 66 or when I'm 66? I'll wait till 70 to start mine giving her the max if she outlives me. So, when can I claim spousal?
This is really difficult to find the answer. I found some information at this url:
Benefit Reduction for Early Retirement
It talks about taking spousal benefits at 62 but then mentions taking a 30% reduction by the spouse and a 25% reduction by the primary. It's still not totally clear to me.
My report from socialsecuritysolutions.com suggests that I file and suspend at 66 and DW takes spousal bene's when she reaches 66 (4 months after I reach 66). I take my bene's at 70 and she takes her bene's at 70.
It doesn't mention that we should start at 62.
When I figure total dollars I find there is $60,000 difference for the first 8 years. What a confusing subject!
RetireBy90
Thinks s/he gets paid by the post
This is really difficult to find the answer. I found some information at this url:
Benefit Reduction for Early Retirement
It talks about taking spousal benefits at 62 but then mentions taking a 30% reduction by the spouse and a 25% reduction by the primary. It's still not totally clear to me.
My report from socialsecuritysolutions.com suggests that I file and suspend at 66 and DW takes spousal bene's when she reaches 66 (4 months after I reach 66). I take my bene's at 70 and she takes her bene's at 70.
It doesn't mention that we should start at 62.
What a confusing subject!
So I went to the source you quoted, which I should have done anyway. I found another close by link Benefits for Spouses that includes a calc to show what the impact would be if you take spousal benne prior to 66.
A quote from the site: "A spouse can choose to retire as early as age 62, but doing so may result in a benefit as little as 32.5 percent of the worker's primary insurance amount. A spousal benefit is reduced 25/36 of one percent for each month before normal retirement age, up to 36 months. If the number of months exceeds 36, then the benefit is further reduced 5/12 of one percent per month."
So I used the calc to see what would happen if I took spousal benne at 62 (gotta be 62 plus one month) at 64, and at 66+4 or my FRA.
Age...Percent.....Payout....Months....Total $$
62.....34.38%.....$453.......99...........$44,847
63.....36.88%.....$486.......87...........$42,282
64.....40.63%.....$535.......75...........$40,125
66.....50%.........$659.......48...........$31,632
I had to add 3 months cause I will need 66+4months for FRA
So if I used a valid method of comparing the options, I should take
spousal benefit as early as possible. I suppose this is because of actuarial chance of not getting all 99 months of benefits.
I would appreciate any comments about is this a valid method of comparing or not. Again, just to keep from having to bounce back to my previous post, I am 3 yrs younger than DW and plan for her to take SS at 66, me at 70 and wanted to take spousal benefit after she retires. Hrmm one problem, I would have to wait till I'm 63 then, cause she has to be 66 in my example...Dang it...so I added age 63 in the table above.
What I'm considering is having my wife take her ss soon (she'll be 63 next Jan). I'll then take the spousal benefit. I don't care what the reduction of her's is because I plan to take my ss at age 70 and she will take spousal benefits of my ss at that time. My ss is over twice of what she would ever draw.
Anyone see anything wrong about this?
Anyone see anything wrong about this?
fanmail
Recycles dryer sheets
- Joined
- Sep 19, 2012
- Messages
- 58
Been lurking these forums for some time, but I'll have you know this thread forced me to join.
I wanted a) to see pics of hot wives, b) to stop seeing ads between the 1st and 2nd post on every page, and c) to comment on the hilarious advice itt to hold wife's hand in public.
I wanted a) to see pics of hot wives, b) to stop seeing ads between the 1st and 2nd post on every page, and c) to comment on the hilarious advice itt to hold wife's hand in public.
haha
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Let's play where is the Swede?Yes, but my wife prefers I not think of it like that!
Dude, you get my vote. They are all lovely.
Ha
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NYEXPAT
Thinks s/he gets paid by the post
Welcome to the ER.org/alternative retirement living/sub-forum!
