TeeRar
Dryer sheet aficionado
- Joined
- Dec 28, 2009
- Messages
- 33
Greetings all,
This seems like a great site that I stumbled onto while researching the possibility of applying for Social Security at the earliest possible date and then paying it back in order to receive a larger payment.
Allow me to introduce myself. I am a 47 years old and plan on retiring spring of 2014.
I am lucky enough to be eligible for a defined pension that will include a “COLA lite” (official COLA minus 1 %) adjustment for life. I am even luckier to have medical coverage that employer will continue to offer and subsidize (approximately 75% of costs are, and will be, borne by employer).
Some of the topics I am interested in, as they pertain to my retirement:
What to do with my 401K – options include leaving it where it is (choices are limited – SP500 fund, corporate bond fund, govt bond fund, small cap stock fund, international stock fund, target year funds), rolling all or part to a brokerage where I can have much more control, researching if part of it should go to an immediate annuity, etc.
The possibility of taking SS early and then paying it back – if that loophole survives. If not, defining what would be the best age – for me – to take SS.
Whether or not I should bother with paying for Medicare if I have a fairly good health insurance plan?
Continuing to grow my ROTH and non-retirement investments through DRIPs and writing covered calls.
The possibility of spending at least part of each year outside the USA – at least for the first 20 years or so of retirement – and how that might influence where I live and what type of home I buy. I am currently residing outside the USA but plan on moving back on a full time basis prior to retirement. I currently own no real estate. My relocation plans to the USA will have me living in S. Fl, at least to start with. A permanent home anywhere in the Southern USA is possible – being raised in the North east and living in Germany and Russia have cured me of any fondness for the white stuff.
Thanks for putting this great site together.
Best Regards,
TeeRar
This seems like a great site that I stumbled onto while researching the possibility of applying for Social Security at the earliest possible date and then paying it back in order to receive a larger payment.
Allow me to introduce myself. I am a 47 years old and plan on retiring spring of 2014.
I am lucky enough to be eligible for a defined pension that will include a “COLA lite” (official COLA minus 1 %) adjustment for life. I am even luckier to have medical coverage that employer will continue to offer and subsidize (approximately 75% of costs are, and will be, borne by employer).
Some of the topics I am interested in, as they pertain to my retirement:
What to do with my 401K – options include leaving it where it is (choices are limited – SP500 fund, corporate bond fund, govt bond fund, small cap stock fund, international stock fund, target year funds), rolling all or part to a brokerage where I can have much more control, researching if part of it should go to an immediate annuity, etc.
The possibility of taking SS early and then paying it back – if that loophole survives. If not, defining what would be the best age – for me – to take SS.
Whether or not I should bother with paying for Medicare if I have a fairly good health insurance plan?
Continuing to grow my ROTH and non-retirement investments through DRIPs and writing covered calls.
The possibility of spending at least part of each year outside the USA – at least for the first 20 years or so of retirement – and how that might influence where I live and what type of home I buy. I am currently residing outside the USA but plan on moving back on a full time basis prior to retirement. I currently own no real estate. My relocation plans to the USA will have me living in S. Fl, at least to start with. A permanent home anywhere in the Southern USA is possible – being raised in the North east and living in Germany and Russia have cured me of any fondness for the white stuff.
Thanks for putting this great site together.
Best Regards,
TeeRar