Search found 4359 matches

by bobcat2
Sun Aug 30, 2015 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage
Replies: 7
Views: 636

Re: Reverse Mortgage

There have been some threads on reverse mortgages lately. Here is a repeat of a post I made on one of the threads. A reverse mortgage line of credit is a flexible asset and a powerful financial planning tool. Reverse Mortgage Line of Credit (RM LOC) Home Equity Conversion Mortgage (HECM) - The rever...
by bobcat2
Sun Aug 30, 2015 5:59 pm
Forum: Investing - Theory, News & General
Topic: Will Single Premium Immediate Annuities be better with higher interest rates?
Replies: 49
Views: 4050

Re: Will Single Premium Immediate Annuities be better with higher interest rates?

I think the forest is being lost in the investigation of the twig here. The point is not when saving safely for a given amount of annuitized income we need to exactly match the duration of the bonds we are saving with the duration of the life annuity. But to save safely you do need to approximately ...
by bobcat2
Sun Aug 30, 2015 2:26 pm
Forum: Investing - Theory, News & General
Topic: Will Single Premium Immediate Annuities be better with higher interest rates?
Replies: 49
Views: 4050

Re: Will Single Premium Immediate Annuities be better with higher interest rates?

Hi Cruncher, I am not aware of a lot of papers that focus on annuity duration. In fact the only one I can find that focuses mainly on this issue is "The Annuity Duration Puzzle". Link - http://www.vgsf.ac.at/fileadmin/user_upload/PDF/seminar%20archive/summer%20term%202012/2012-05-04-kamstr...
by bobcat2
Sun Aug 30, 2015 11:05 am
Forum: Investing - Theory, News & General
Topic: Will Single Premium Immediate Annuities be better with higher interest rates?
Replies: 49
Views: 4050

Re: Will Single Premium Immediate Annuities be better with higher interest rates?

Finally, the same factors that make the payouts low now also mean that if you have earmarked some amount for an SPIA that you think you need and were planning to buy soon, then it is like any short-term, important savings project. If you invest the money in something safe , the same factors that ma...
by bobcat2
Sat Aug 29, 2015 8:28 am
Forum: Investing - Theory, News & General
Topic: Having fun on CNBC Halftime Report today
Replies: 9
Views: 1383

Re: Having fun on CNBC Halftime Report today

An opposing view - A reasonable assessment of current conditions suggest that raising rates in the near future would be a serious error that would threaten all three of the Fed’s major objectives — price stability, full employment and financial stability . Like most major central banks the Fed has p...
by bobcat2
Fri Aug 28, 2015 8:38 pm
Forum: Investing - Theory, News & General
Topic: Why doesn't the 3 fund portfolio have TIPS?
Replies: 38
Views: 2706

Re: Why doesn't the 3 fund portfolio have TIPS?

The importance of TIPS in a retirement portfolio prior to and during retirement. TIPS, either bonds or funds, allow the investor prior to retirement to lock-in his or her retirement floor real income level. Example- I want my Social Security benefit plus real $10,000/year as my real income floor. Th...
by bobcat2
Fri Aug 28, 2015 7:20 pm
Forum: Investing - Theory, News & General
Topic: Why doesn't the 3 fund portfolio have TIPS?
Replies: 38
Views: 2706

Re: Why doesn't the 3 fund portfolio have TIPS?

The Three Fund Portfolio and Life-Cycle Finance Constructing a simple three fund portfolio is one way to see key differences between conventional investing advice and the investing advice recommended by life-cycle finance (LCF). An investor can take a three fund approach for investing for retiremen...
by bobcat2
Wed Aug 26, 2015 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage Line of Credit
Replies: 13
Views: 1175

Re: Reverse Mortgage Line of Credit

HECM for purchase - It's usually not a question of not being able to afford it, but rather what financing mechanism is most affordable. This is not a strategy intended for the non financially savvy. Much the same as tax loss harvesting or stock investing using the FF three factor model should not be...
by bobcat2
Tue Aug 25, 2015 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage Line of Credit
Replies: 13
Views: 1175

Re: Reverse Mortgage Line of Credit

If you are retired and want to purchase a house more expensive than the one you currently live in, this can be done with a HECM for purchase. Say you live in a major metro area and are in your early 60s and retired. You would like to live in a nicer part of the metro area, but a slightly smaller ho...
by bobcat2
Tue Aug 25, 2015 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage Line of Credit
Replies: 13
Views: 1175

Re: Reverse Mortgage Line of Credit

If you are retired and want to purchase a house more expensive than the one you currently live in, this can be done with a HECM for purchase. Say you live in a major metro area and are in your early 60s and retired. You would like to live in a nicer part of the metro area, but a slightly smaller hom...
by bobcat2
Tue Aug 25, 2015 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage Line of Credit
Replies: 13
Views: 1175

Re: Reverse Mortgage Line of Credit

Here are some articles on reverse mortgages - Jane Bryant Quinn - A great reverse mortgage idea: Take a credit line now Link- http://janebryantquinn.com/2013/08/a-great-reverse-mortgage-idea-take-a-credit-line-now/ Here's an interview with Wade Pfau on reverse mortgages. How One Finance Professor Ca...
by bobcat2
Tue Aug 25, 2015 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage Line of Credit
Replies: 13
Views: 1175

Re: Reverse Mortgage Line of Credit

A reverse mortgage line of credit is a flexible asset and a powerful financial planning tool. Reverse Mortgage Line of Credit (RM LOC) Home Equity Conversion Mortgage (HECM) - The reverse mortgage program insured by the Federal Housing Administration (FHA) Key RM LOC features Any money from any rev...
by bobcat2
Tue Aug 25, 2015 9:37 am
Forum: Investing - Theory, News & General
Topic: Some HiLites of the Retirement Research Consortium Annual Meeting
Replies: 44
Views: 5239

Re: Some HiLites of the Retirement Research Consortium Annual Meeting

I'm certainly not an expert on reverse mortgage ongoing fees, but the only ongoing fee I am aware of is the mortgage insurance premium (MIP) annual rate of 1.25% on the unpaid loan balance. This insurance is how the FHA can guarantee the non-recourse feature of the loan. There is also ongoing inter...
by bobcat2
Tue Aug 25, 2015 9:09 am
Forum: Investing - Theory, News & General
Topic: Some HiLites of the Retirement Research Consortium Annual Meeting
Replies: 44
Views: 5239

Re: Some HiLites of the Retirement Research Consortium Annual Meeting

Paula Hogan was exactly right when she discussed the recurrent theme of low income persons vs. high income persons for retirement planning policies. Regarding the presentation concerning catch up contributions titled, "Do Tax Incentives Increase 401(k) Retirement Savings", this seemed esp...
by bobcat2
Sun Aug 23, 2015 7:51 pm
Forum: Investing - Theory, News & General
Topic: Some HiLites of the Retirement Research Consortium Annual Meeting
Replies: 44
Views: 5239

Re: Some HiLites of the Retirement Research Consortium Annual Meeting

Here are some sources of information on reverse mortgages on the Internet - From the RRC meeting – Using Your House for Income in Retirement Link – http://crr.bc.edu/special-projects/books/using-your-house-for-income-in-retirement/ From the RRC meeting – Learn about Reverse Mortgages Link- http://sq...
by bobcat2
Sun Aug 23, 2015 4:50 pm
Forum: Investing - Theory, News & General
Topic: Some HiLites of the Retirement Research Consortium Annual Meeting
Replies: 44
Views: 5239

Re: Some HiLites of the Retirement Research Consortium Annual Meeting

I'm certainly not an expert on reverse mortgage ongoing fees, but the only ongoing fee I am aware of is the mortgage insurance premium (MIP) annual rate of 1.25% on the unpaid loan balance. This insurance is how the FHA can guarantee the non-recourse feature of the loan. There is also ongoing intere...
by bobcat2
Sun Aug 23, 2015 8:14 am
Forum: Investing - Theory, News & General
Topic: Some HiLites of the Retirement Research Consortium Annual Meeting
Replies: 44
Views: 5239

Re: Some HiLites of the Retirement Research Consortium Annual Meeting

The Retirement Research Consortium (RRC)17th Annual Meeting was held in Washington, DC earlier this month. I have attended about half of the meetings and IMO this was one of the two best – the other being the 2012 meeting. Here are some takeaways from this year’s RRC meeting that particularly struc...
by bobcat2
Sat Aug 22, 2015 7:14 am
Forum: Investing - Theory, News & General
Topic: Some HiLites of the Retirement Research Consortium Annual Meeting
Replies: 44
Views: 5239

Re: Some HiLites of the Retirement Research Consortium Annual Meeting

Duration Matching of ST & LT TIPS bond funds can roughly replicate a TIPS ladder Here is an example of the weighted portfolio of the two TIPS funds duration method in lieu of the TIPS ladder for the targeted stream of payments (annual income). Example – A 63 year old wants $10,000/year in real ...
by bobcat2
Sat Aug 22, 2015 6:58 am
Forum: Investing - Theory, News & General
Topic: Fidelity is offering Qualified Longevity Annuity Contracts (QLAC)s
Replies: 19
Views: 3374

Re: Fidelity is offering Qualified Longevity Annuity Contracts (QLAC)s

Over a year ago, the IRS came out with regulations allowing IRAs and 401ks (and presumably 403bs) to offer QLACs (basically single premium deferred annuities that can reduce RMDs by up to 25%) but it took a while before any of the major players offered them. Finally, Fidelity has announced theirs f...
by bobcat2
Fri Aug 21, 2015 9:33 am
Forum: Investing - Theory, News & General
Topic: Some HiLites of the Retirement Research Consortium Annual Meeting
Replies: 44
Views: 5239

Re: Some HiLites of the Retirement Research Consortium Annual Meeting

The Retirement Research Consortium (RRC)17th Annual Meeting was held in Washington, DC earlier this month. I have attended about half of the meetings and IMO this was one of best. Here are some takeaways from the RRC meeting that particularly struck me. - Duration matching of ST and LT TIPS bond fu...
by bobcat2
Thu Aug 20, 2015 9:59 am
Forum: Investing - Theory, News & General
Topic: Some HiLites of the Retirement Research Consortium Annual Meeting
Replies: 44
Views: 5239

Re: Some HiLites of the Retirement Research Consortium Annual Meeting

The luncheon speaker on the second day of the RRC Annual Meeting was Joseph Coughlin, the director of MIT’s AgeLab. Kimberly Blanton at the Squared Away Blog gives an overview of Coughlin's presentation. The Future of Retirement is Now Link to Squared Away Blog - http://squaredawayblog.bc.edu/ Link ...
by bobcat2
Wed Aug 19, 2015 4:03 pm
Forum: Investing - Theory, News & General
Topic: Some HiLites of the Retirement Research Consortium Annual Meeting
Replies: 44
Views: 5239

Re: Some HiLites of the Retirement Research Consortium Annual Meeting

Paula Hogan has a post on her blog that gives an overview of the papers presented at the RRC Annual Meeting.
Here's the link - http://blog.paulahogan.com/wealthinking/what-do-we-know-about-retirement

BobK
by bobcat2
Wed Aug 19, 2015 12:49 pm
Forum: Investing - Theory, News & General
Topic: Some HiLites of the Retirement Research Consortium Annual Meeting
Replies: 44
Views: 5239

Re: Some HiLites of the Retirement Research Consortium Annual Meeting

BobK: One question: Most retirees I know are very worried about LTC expenses. Even without Alzheimer's, etc. in one's family history, it is a significant financial risk. The current pricing/availability of LTC insurance makes it difficult to insure against this risk the way one can address longevit...
by bobcat2
Wed Aug 19, 2015 10:37 am
Forum: Investing - Theory, News & General
Topic: Some HiLites of the Retirement Research Consortium Annual Meeting
Replies: 44
Views: 5239

Takeaway from Conference - How Prepared are Americans for retirement?

Conference paper - Are Retirees Falling Short? Are Americans well prepared for retirement? It depends. A few years ago at the RRC annual meeting researchers at the Center for Retirement Research at Boston College, using data from a National Retirement Risk Index (NRRI) they had compiled and using ta...
by bobcat2
Tue Aug 18, 2015 7:19 am
Forum: Investing - Theory, News & General
Topic: Some HiLites of the Retirement Research Consortium Annual Meeting
Replies: 44
Views: 5239

Re: Some HiLites of the Retirement Research Consortium Annual Meeting

The Retirement Research Consortium (RRC)17th Annual Meeting was held in Washington, DC last week. I have attended about half of the meetings and IMO this was one of the two best – the other being the 2012 meeting. Here are some takeaways from this year’s RRC meeting that particularly struck me. - A...
by bobcat2
Mon Aug 17, 2015 12:20 am
Forum: Investing - Theory, News & General
Topic: Some HiLites of the Retirement Research Consortium Annual Meeting
Replies: 44
Views: 5239

Re: Some HiLites of the Retirement Research Consortium Annual Meeting

Exponential-growth (EG) bias Individuals frequently exhibit exponential-growth (EG) bias, the tendency to underestimate the exponential growth of an asset’s value over time due to neglecting compound interest, i.e. the interest on the interest. On the asset side misunderstanding this causes people ...
by bobcat2
Sat Aug 15, 2015 9:58 pm
Forum: Investing - Theory, News & General
Topic: Some HiLites of the Retirement Research Consortium Annual Meeting
Replies: 44
Views: 5239

Re: Some HiLites of the Retirement Research Consortium Annual Meeting

The Retirement Research Consortium (RRC)17th Annual Meeting was held in Washington, DC last week. I have attended about half of the meetings and IMO this was one of the two best – the other being the 2012 meeting. Here are some takeaways from this year’s RRC meeting that particularly struck me. - N...
by bobcat2
Thu Aug 13, 2015 3:14 pm
Forum: Investing - Theory, News & General
Topic: Some HiLites of the Retirement Research Consortium Annual Meeting
Replies: 44
Views: 5239

Re: Some HiLites of the Retirement Research Consortium Annual Meeting

The Retirement Research Consortium (RRC)17th Annual Meeting was held in Washington, DC last week. I have attended about half of the meetings and IMO this was one of the two best – the other being the 2012 meeting. Here are some takeaways from this year’s RRC meeting that particularly struck me. - E...
by bobcat2
Thu Aug 13, 2015 11:22 am
Forum: Investing - Theory, News & General
Topic: Some HiLites of the Retirement Research Consortium Annual Meeting
Replies: 44
Views: 5239

Some HiLites of the Retirement Research Consortium Annual Meeting

The Retirement Research Consortium (RRC)17th Annual Meeting was held in Washington, DC earlier this month. I have attended about half of the meetings and IMO this was one of the two best – the other being the 2012 meeting. Here are some takeaways from this year’s RRC meeting that particularly struck...
by bobcat2
Wed Aug 05, 2015 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Research Conference in DC in August (free)
Replies: 7
Views: 820

Re: Retirement Research Conference in DC in August (free)

Final heads up. Conference starts tomorrow, and online preregistration is now closed. However, particularly for those living in the Washington-Baltimore Metro area you can register in-person at the door on either Thursday or Friday. Both the conference and the lunches are free, you simply have to re...
by bobcat2
Tue Aug 04, 2015 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Research Conference in DC in August (free)
Replies: 7
Views: 820

Re: Retirement Research Conference in DC in August (free)

Thank you, Bob, I would have liked to attend, but I am flying out to Germany on the 6th. ... Enjoy the conference. Perhaps you can review it at out September meeting? Victoria Sam & I can present brief reviews. Paula Hogan will be attending the conference. She usually reviews the conference hig...
by bobcat2
Tue Aug 04, 2015 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Research Conference in DC in August (free)
Replies: 7
Views: 820

Re: Retirement Research Conference in DC in August (free)

SGM wrote:Thanks Bob,

I have always enjoyed and learned a few things at these Retirement Research conferences and will attend August 6.
Does The VictoriaF Fan Club count as an affiliation for registration purposes?

Indubitably it counts. :wink:

BobK
by bobcat2
Mon Aug 03, 2015 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Research Conference in DC in August (free)
Replies: 7
Views: 820

Re: Retirement Research Conference in DC in August (free)

Background information on the Retirement Research Consortium (RRC) 17th Annual Meeting to be held on Thursday & Friday (Aug 6-7) of this week. To the best of my knowledge, the RRC Annual Meetings are always held either on the first or second Thursday and Friday of August at the National Press Cl...
by bobcat2
Mon Aug 03, 2015 2:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master thread for Washington DC Area Bogleheads
Replies: 43
Views: 7891

Retirement Research Conference in DC in August (free)

The 2015 Retirement Research Consortium Meeting will be held this coming Thursday & Friday on August 6-7, 2015 at the National Press Club in Washington, DC. The event is free of charge, but registration is required. I have posted more info about the meeting at the following linked thread, includ...
by bobcat2
Mon Aug 03, 2015 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Research Conference in DC in August (free)
Replies: 7
Views: 820

Retirement Research Conference in DC in August (free)

The 2015 Retirement Research Consortium Meeting will be held this coming Thursday & Friday on August 6-7, 2015 at the National Press Club in Washington, DC. The event is free of charge, but registration is required. The luncheon speaker (lunch is provided free) on Thursday will be Jason Furman, ...
by bobcat2
Fri Jul 31, 2015 9:23 am
Forum: Investing - Theory, News & General
Topic: Grok's Tip #8:Retire Worry-Free with TIPs as a foundation
Replies: 147
Views: 34844

Re: Grok's Tip #8:Retire Worry-Free with TIPs as a foundation

I read [the] 2011 case for building a ladder of TIPs to support retirement. I wish I had the smarts then to do exactly that, especially since I was fully aware of Zvi Bodie's work. But I did not! Now it is July 2015 and TIPs are not yielding much more than inflation. Would you recommend the same st...
by bobcat2
Thu Jul 30, 2015 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify Investments for DW if I precede her in death
Replies: 22
Views: 1816

Re: Simplify Investments for DW if I precede her in death

In addition to simplifying accounts you should consider purchasing a longevity annuity for your wife. This is a delayed life annuity that you purchase now, but the income payouts don't begin typically until age 85. This is simple and cheap protection for your DW should she live to age 85 and beyond....
by bobcat2
Tue Jul 28, 2015 2:16 pm
Forum: Investing - Theory, News & General
Topic: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?
Replies: 45
Views: 2732

Re: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?

It's easy to cherry pick single decades there bonds beat stocks, but most people have a horizon longer than 10 years. Once you go out to 20-30 years there isn't a single period where bonds beat equities. Bonds are purely for short term savings goals (a 3-6 month emergency fund; saving up enough for...
by bobcat2
Tue Jul 28, 2015 12:12 pm
Forum: Investing - Theory, News & General
Topic: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?
Replies: 45
Views: 2732

Re: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?

Delay your Social Security benefits. Ideally to age 70, but shorter delay if portfolio withdrawals to make up the difference in SS income lost until age 70 are simply too onerous. Replace the SS benefit you would have got until age 70 with a TIPS ladder. Boglehead Whiffish Boffin has done this. The ...
by bobcat2
Sun Jul 26, 2015 1:01 pm
Forum: Investing - Theory, News & General
Topic: Scott Burns – Don’t quit your day job.
Replies: 103
Views: 10879

Re: Scott Burns – Don’t quit your day job.

Someone who postponed retirement 1-3 years in 2010 would be financially much better off than the person who didn't. We will have to agree to disagree.

BobK
by bobcat2
Sun Jul 26, 2015 12:39 pm
Forum: Investing - Theory, News & General
Topic: Scott Burns – Don’t quit your day job.
Replies: 103
Views: 10879

Re: Scott Burns – Don’t quit your day job.

So, concretely, for people recently retired or about to retire, there is not much actionable other than the basic Bogleheads approach of selecting an appropriate AA and not try to time the market. A retiree can build a predictable base income using delayed Social Security (and a CD ladder to bridge...
by bobcat2
Sun Jul 26, 2015 11:04 am
Forum: Investing - Theory, News & General
Topic: Scott Burns – Don’t quit your day job.
Replies: 103
Views: 10879

Re: Scott Burns – Don’t quit your day job.

Hi longinvest, It's true, as you note, that inflation is much lower today than it was in the 1980s and is also lower than it was in the 1990s. Inflation in the 80s averaged over 5% per year, but is currently averaging about 2% a year. Despite the high inflation rate of about 4% from 1980-2000 the re...
by bobcat2
Sun Jul 26, 2015 10:40 am
Forum: Investing - Theory, News & General
Topic: Scott Burns – Don’t quit your day job.
Replies: 103
Views: 10879

Re: Scott Burns – Don’t quit your day job.

I don't know of anyone here that bases their retirement on the 'historical average returns going back to 1900'......It is always a worst case historical number. I know of nothing worst case about going back to 1900. We go back to 1900 because it's the longest historical period we have for fairly re...
by bobcat2
Sun Jul 26, 2015 10:17 am
Forum: Investing - Theory, News & General
Topic: Scott Burns – Don’t quit your day job.
Replies: 103
Views: 10879

Re: Scott Burns – Don’t quit your day job.

From the article. The returns on stocks and bonds are expected to be lower in the future than they have been in the past. This expectation of lower returns doesn’t come from a worrywart oracle. It comes from simple arithmetic . In the past, stocks provided a good deal of their return as dividends. M...
by bobcat2
Sat Jul 25, 2015 12:38 pm
Forum: Investing - Theory, News & General
Topic: Merton - DC Pension Plans Need to Simplify
Replies: 5
Views: 783

A touch of realism

I agree with this concept with a caution. The balances in your retirement accounts are still very important. The more $$ you have, the more income you can buy in retirement. The statement can state your balances in terms of income all you want but the market risk is still there. It would be helpful...
by bobcat2
Thu Jul 23, 2015 10:44 pm
Forum: Investing - Theory, News & General
Topic: Merton - DC Pension Plans Need to Simplify
Replies: 5
Views: 783

Merton - DC Pension Plans Need to Simplify

Robert Merton speaking in Cape Town. ”What is a good retirement? My definition is that it’s when you can sustain the standard of living you enjoyed in the latter part of your work life. ... (Merton's) first concern is that, universally, pension funds provide statements that show how much capital mem...
by bobcat2
Wed Jul 22, 2015 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Finances: Findings of the 2015 Trustees Report
Replies: 4
Views: 631

Social Security Finances: Findings of the 2015 Trustees Report

Findings of this year's Social Security Trustees Report were just released. Here are some highlights. Social Security is fully funded until 2034, but faces a long-term shortfall thereafter. In 2014, Social Security revenue plus interest income exceeded outgo by $25 billion, leaving a surplus. Reserv...
by bobcat2
Sat Jul 18, 2015 10:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: DC Bogleheads next meeting is this Sunday, July 19
Replies: 1
Views: 769

DC Bogleheads next meeting is this Sunday, July 19

Michael LeBoeuf and his wife Elke will be attending our meeting this coming Sunday, July 19 from 3:00-5:00. Michael is an author and speaker who wrote "The Millionaire in You" and co-authored the original "Bogleheads Guide to Investing" with Mel Lindauer and Taylor Larimore. Mich...
by bobcat2
Tue Jul 14, 2015 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: [CNBC article: Social Security Denying Delayed Benefits]
Replies: 30
Views: 4499

Re: [CNBC article: Social Security Denying Delayed Benefits]

Hi Nisi, If you apply online, how do address the problem discussed in this thread? Is there a line on the form that says I don't want retroactive payments for 6 months? Or is there a place where you would simply write this request out? In researching this a little bit online, I see that Kotlikoff re...
by bobcat2
Tue Jul 14, 2015 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: [CNBC article: Social Security Denying Delayed Benefits]
Replies: 30
Views: 4499

Re: [CNBC article: Social Security Denying Delayed Benefits]

In general, considering this and other problems when applying for Social Security benefits, is it better to apply online, by phone, or in person for starting SS benefits?

BobK :?: :?

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