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One thing this thread shows - there's no shortage of blues musicians out there!

Blues Yup, I'm turning 73 in 3 weeks, and I've been a blues fan since I was a teenager. Introduced my friends to Hendrix, Bloomfield. Lots of mentions of Buddy Guy here - saw him in Club 47 in Harvard Sq. back before it was renamed Passim (why'd they do that)? Got lots of guitars, and still...

I'm 72, wife is 71. We had never been on a cruise until some close friends urged us to go. We've now been on two cruises: Early 2023 - Holland America, Caribbean. This was a 7 day cruise, 2500 passengers out of Fort Lauderdale. We enjoyed it - esp. the food, which was just fantastic. Late 2023...

Nope, it's my understanding that this does not get a stepped up basis. And yes, it is comparable to a traditional IRA, but with more flexibility in that our daughter can "stretch" it for her lifetime if she choses to (other choices are to annuitize it or to simply withdraw over five years). I...

(formerly) Vanguard Variable Annuity I didn't see any mention of Vanguard variable annuities here. Here is my story. For reasons not worth going into I invested (bought?) a Vanguard VA in 1994, at age 42. I'm not sure I realized it at the time, but this was an arrangement between Transamerica...

I've had it for years. I see an ENT every couple of years, and they have just said, "live with it." They say there is no cure. I like to describe how I first realized I had it: one say I said to my wife, "gee there must be something wrong with our electricity. Lets get an electrician over here...

Signing up for these various forms of insurance wasn't too difficult, but dealing with them when it comes to drug prescriptions is a nightmare. You talk to people who can barely speak English, and speak with an almost incomprehensible accent. I had a minor prescription error, and it was a...

Next year, when I'll be 72, it will be about 1/3. Works out to approx. 1/3 SS (close to $75,000 next year) 1/3 RMD 1/3 withdrawals from taxable account

I am trying to understand SEC vs. distribution yield. I'm really having a hard time with this. I posted a link to this thread on Bogleheads, and I'm sharing the replies here: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=382848&newpost=6800722 (p.s. - I've been reading/lurking on this...

I endorse audiobooks with earplugs. Only problem is finding something interesting, but not too interesting. Put the book on a 30 minute shut off timer.s

I waited until I turned 70 this year (2021): My SS: $3,809 Spouse (spousal SS - 1/2 of my FRA): $1,442 Total: $5,251/month

I'm curious - if you live in a "non"-DWD state (I live in Massachusetts), how difficult is it to go to a DWD state and utilize their law?

This sounds very wrong - I've had at last four root canals in the last 20 years. They were all done by endodontists. In Boston there is a group of practices called "Limited to Endodontics," and they were all done there. The most recent (last year) did require two appts., but once I was done I...

Massachusetts

The policy reads "unlimited," which I understand to mean "no cap."

Unum policy I have a policy with Unum through my employer. Just me, not my wife. Here is the premium history: 2000 - $106/month, $1,272/year 2014 - increased to $186/month, $2,232/year 2021 - 311.40/month, $3,732/year The benefits are pretty good - there is a 90 day elimination period, but...

This survey really surprised me. I'm 69, and semi-retired lawyer, but I'm not "retired" based on the definition of this survey, nor are most of the lawyers I know. Based on my peers, I feel guilty at having "semi-retired" at 65. One lawyer in our firm practiced well into his early '80s. I know...

Yup, I made this mistake. Cost me money on Roth conversions.

Yesterday's New York Times had a supplement on retirement, and there was a large article on the theme that if you can't get health insurance, you're stuck until 65 and Medicare kicks in. The article talks about workers stuck in their cubicles until 65. It seems to me that this is an enormous...