PlanoPrivateer

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-The surviving spouse gets the larger of the two checks when one dies.

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This is a point that isn't brought up enough. My primary reason for waiting until I was 70 was that I did not need the money. But the above was another consideration. My wife is younger than I am and, on average, women live longer than men I wanted her to continue to collect the highest amount possible.

Another small consideration is cost of living adjustment. For example, consider that you can collect $30,000 at age 66 or about $40,000 at age 70. Let's assume a COL of 2.0% every year. 2% of $40,000 is more than a 2% increase of $30,000. And the following year a 2% increase on $40,800 is more than a 2% increase on $30,600. And so on and so on for every year you and / or your spouse stay alive. The tradeoff, of course, is that the person that takes retirement at 66 will collect more than $120,000 in the four years that I waited.

Love the rabbit but I'd settle for a sac fly here

Ugliest inning I can remember.

Roths are 100% stock ETFs.

Traditional IRAs about 60/40 % stock ETFs and, bond ETFs and mutual funds.
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Trading (gambling, fun) account is currently about 6% cash, zero bonds, and the rest a combination of individual stocks, and a little bit of stock ETFs.

My wife and I are retired so our IRAs are set except for occasional rebalancing and annual RMDs. I don't like to play the market with retirement funds and have done well with maxi them out as best we could.

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The Ladies like a nice Afternoon Tip

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Afternoon Delight

I seem to remember in February of March of 2009 you thought we hit the bottom. Do you remember? You were right.

Checking the box score for the Texas Rangers - San Diego baseball game. In the 5th inning Josh Smith is 1 for 1 at bats, 2 runs, 5 RBI and 3 base on balls.

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but when are yall considering selling?

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Current thinking is to hold on until long term capital gains come into play. So for me at least August. When it gets listed on NASDQ and if the price really takes off, I will consider laddering some stop loses.

Edge wasn't working. I had this problem before. Now can get in with a new browser.

Anyone getting this message when you log into your Fidelity account?

We're sorry, positions information is temporarily unavailable. We're urgently working to restore service.

HGRAF info

Open link

Go down to "Management Information Circular" and click on the PDF under 2026

Go down to section 6 which for my format is on page 24

I tried to cut and paste but it was too many characters. Hope this works.