Recent content by uscfanhawaii

  1. uscfanhawaii

    Retirement Talk - Deciding When to Claim Your Monthly Social Security Benefits

    Yeah, what he said! Plus, that math does not take into account that the SS $$ in hand will grow, if you don’t need it right away and can invest it! Nor does it take into account that SS is in a death spiral. Unless something is done soon, payments will HAVE to reduce, not increase. I am still...
  2. uscfanhawaii

    Pension

    Good Plan! Supplement is good to 62. SS starts at 62. (If you want it, otherwise whenever you decide to take it. I’m sure you’ve seen all the discussion lately on when is best to start taking SS.)
  3. uscfanhawaii

    Gold and Silver Correcting

    I like silver. Not only is it on an upswing, but it also has a ways to go to return to historical comparisons to gold. Also, what do you think about adding metals to an IRA?
  4. uscfanhawaii

    tsptalk's Market Talk

    LOVE those bull flags!! :beerchug:
  5. uscfanhawaii

    Pension

    First, CSRS typically 67%, FERS typically 52%, of High Three salary. Besides that, depends on salary, # of years, and sick leave left over.
  6. uscfanhawaii

    Two Tesla Bears Threw in the Towel. This Is Why.

    CAPITULATION! I love it!
  7. uscfanhawaii

    Retirement Talk - Deciding When to Claim Your Monthly Social Security Benefits

    Thanks TommyIV for your ‘like’. You moved me up to 4,000 reputation points!! :D
  8. uscfanhawaii

    Retirement Talk - Deciding When to Claim Your Monthly Social Security Benefits

    Exactly. So why not take the SS at 62? I believe it will be a bump up from the supplement, because the supplement is loosely based on 80% of expected SS at age 62.
  9. uscfanhawaii

    coolhand's Account Talk

    How many people still around who got ”THE LETTER” from FRTIB ?? :ban:
  10. uscfanhawaii

    Retirement Talk - Deciding When to Claim Your Monthly Social Security Benefits

    I’m surprised that this topic has not received a lot of posts. I thought it was pretty controversial. But out of 318 views, only 3 replies?? Oh well, for what it’s worth.....Additional info on my point #3: If you take into account the time value of money, it makes an even stronger case for...
  11. uscfanhawaii

    Retirement Talk - Deciding When to Claim Your Monthly Social Security Benefits

    My ‘advice and recommendation’ flies in the face of ‘conventional wisdom’ on when to take SS benefits. It’s simple. Start taking SS benefits as soon as you are eligible, and no longer working. Simple. Why??? Lots of reasons. 1) Your FERS Fed retirement has always been based on the ‘3-legged...
  12. uscfanhawaii

    Time to Refinance Mortgage?

    Thanks for the response! Yeah, I was thinking the same thing.
  13. uscfanhawaii

    Time to Refinance Mortgage?

    I refi’d last year, Jumbo Loan, 30 yr, 3.375%. Is 3.0% a good target?
  14. uscfanhawaii

    amoeba's Account Talk

    I LIKE your enthusiasm!!
  15. uscfanhawaii

    June 2020 AutoTracker Winners!

    Congratulations June winners!! Quite a feat. Care to explain how you did it?!
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