Search found 2443 matches

by #Cruncher
Sun Jan 14, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Social Security “Hump” and the new tax rates???
Replies: 10
Views: 2376

Re: Social Security “Hump” and the new tax rates???

[Wiki's] Social Security tax impact calculator Wondering how this “Hump” will change with the new tax rates? ... Any chance someone will update the wiki page[?] Taking your second question first, tamucpa, you could send a private message to PapaGeek , the author of the Wiki page and the spreadsheet...
by #Cruncher
Sun Jan 14, 2018 12:41 am
Forum: Investing - Help with Personal Investments
Topic: I Bond Rate and Yield
Replies: 4
Views: 801

Re: I Bond Rate and Yield

There is a "Rate" listed at 4.99% and a "Yield" listed at 5.18%. They were issued in Oct, 2001. As Grt2bOutdoors says, the 4.99% "rate" is what the I Bond is currently earning and the 5.18% "yield" is the annualized return since it was issued. Beginning April 2018 the annual earnings rate (aka comp...
by #Cruncher
Mon Jan 08, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Best Tax Estimate Website for 2018?
Replies: 25
Views: 3057

Re: Best Tax Estimate Website for 2018?

To clarify, it's not that taking the RMD now would avoid tax liability. He wants to take his RMD now, but he wants to know how much more he can take without paying taxes. ... He's trying to stay under the standard deduction limit. The part that I don't know about is if the new tax plan changed the ...
by #Cruncher
Fri Jan 05, 2018 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Future present value with Inflation Calculator
Replies: 3
Views: 226

Re: Future present value with Inflation Calculator

So, for the FV function, the assumption is 80k annual investment would be increased by 4% each year? To be clear, the Excel function does not assume any growth in the contribution. It assumes a constant $80,000 every year. It's when we choose to view the results of the function in real terms that w...
by #Cruncher
Fri Jan 05, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Future present value with Inflation Calculator
Replies: 3
Views: 226

Re: Future present value with Inflation Calculator

My goal is to get to 28x spending by 2028, which would be 4.2M in present day dollars. ... with 80k yearly contributions and an annual growth rate of 5% and an inflation of 4%, what would be the number in my portfolio in 2028 in present day dollars using 2.2M ... Since you want to know the amount i...
by #Cruncher
Thu Jan 04, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard to be eliminated 5/18
Replies: 42
Views: 4118

Re: Savings Bond Wizard to be eliminated 5/18

[Using the Savings Bond Calculator ] might actually be an improvement, even when the method for saving your bond info ... seems to be saving and recalling your HTML page -- as long as you don't use Edge or Chrome, because they apparently can't do that. On my Windows 10 computer I couldn't see how t...
by #Cruncher
Sun Dec 31, 2017 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Portion of Emergency Fund in TIPS?
Replies: 18
Views: 1293

Re: Portion of Emergency Fund in TIPS?

I understand TIPS well enough if I bought them directly from Treasury Direct. Where I struggle is how a mutual fund (like SWRSX) is equivalent to buying TIPS directly from the government. I wouldn't hold individual TIPS at TreasuryDirect. If you needed to sell them before maturity, you'd first have...
by #Cruncher
Fri Dec 29, 2017 6:15 pm
Forum: Investing - Theory, News & General
Topic: Consistent Yield & Duration to Help Choose TIPS Fund
Replies: 83
Views: 19545

Re: Consistent Yield & Duration to Help Choose TIPS Fund

I've updated the Yield to Maturity and Duration Calculator with WSJ TIPS Prices 12/29/2017 and the weighting effect of the 30-year auction in October, the 10-year auction in November, and the 5-year auction in December. As shown in the table below, the weighted average yield of the bonds in the 1+ y...
by #Cruncher
Fri Dec 29, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: long term capital gain distribution tax
Replies: 8
Views: 599

Re: long term capital gain distribution tax

... on the 1040 line 13 'capital gains' that amount is added to the Total Income and AGI, and then part of my taxable income. Not seeing anywhere where that amount was backed out. It appears I paid tax on those capital gains, most of which were long term. This is SO confusing!! Yes, it confuses me ...
by #Cruncher
Thu Dec 28, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 878
Views: 48524

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

Within the last week or two, someone here had a link to a website that plotted a graph of income versus tax savings under the new tax law. If anyone knows what I'm talking about, would you please mind posting the link if you have it? I don't know the link you refer to, MrJones. But here is a graph ...
by #Cruncher
Mon Dec 25, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Federal tax estimator that includes Social Security income?
Replies: 11
Views: 1224

Re: Federal tax estimator that includes Social Security income?

I've just updated my Marginal Tax Rates Excel spreadsheet ... ... it isn't what I was looking for exactly. What I need is something where you put in B2 B3 B4 B5 B6 B7 B48 ---- ---- ---- ---- ---- ---- --- Social Security income, X LTCG, QD, X T[I?]RA withdrawals, salary income, X interest income, X...
by #Cruncher
Sun Dec 24, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Federal tax estimator that includes Social Security income?
Replies: 11
Views: 1224

Re: Federal tax estimator that includes Social Security income?

I'm looking for a federal tax estimator for the new tax law that includes the special tax treatment of Social Security income. I've just updated my Marginal Tax Rates Excel spreadsheet for the new tax brackets, standard deductions, and exemptions (none) for 2018 single and joint tax returns. It det...
by #Cruncher
Thu Dec 21, 2017 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 878
Views: 48524

Re: Tax Bill Omnibus Thread

Did anyone else notice the differences between single and MFJ rates? Kitces has a horizontal bar chart on ~ page 5 of this article comparing current law and the final GOP plan. ... Higher income single filers are likely to have a higher marginal bracket over a wide range of taxable income. Here is ...
by #Cruncher
Mon Dec 18, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: I bonds: Should I put money on I bonds rather than keep them in a savings account
Replies: 26
Views: 3319

Re: I bonds: Should I put money on I bonds rather than keep them in a savings account

... when you withdraw money from your I bond, and only withdraw partially, how is the interest calculated? All I Bond values are scaled up based on a $25 bond. (See How interest is calculated in the Wiki.) Therefore, even though you are allowed to redeem any amount over $25 ( How much can I redeem ...
by #Cruncher
Sat Dec 16, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Question About TIPs and TIP Funds
Replies: 42
Views: 1553

Re: Question About TIPs and TIP Funds

I would be careful about the concept of "breakeven inflation rate", which is only a simple difference between approximated yields on bonds with significantly different durations (e.g. a 30-year TIPS and a 30-year nominal Treasury). You're correct, longinvest, that the duration of 30-year TIPS and n...
by #Cruncher
Sat Dec 16, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Question About TIPs and TIP Funds
Replies: 42
Views: 1553

Re: Question About TIPs and TIP Funds

Inflation has been about 5% between 2012 and now. I don't know if you mean the CPI has risen 5% in total over the past five years or if it has risen 5% per year . Either way, you're incorrect, whiteprius. The just released 246.669 November 2017 CPI-U was 7.1% higher than its 230.221 value in Novemb...
by #Cruncher
Wed Dec 13, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - Lump Sum vs. Annuity
Replies: 41
Views: 2904

Re: Early Retirement - Lump Sum vs. Annuity

I keep hearing of the 6% rule of thumb. If the "rate of return" = 12 x (annuity payments)/lump-sum > 6% then take the payments; else take the lump-sum. Does this hold any water? This should be called "payout ratio", not "rate of return". And it can't be properly used to evaluate an annuity in the a...
by #Cruncher
Tue Dec 12, 2017 1:13 am
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - Lump Sum vs. Annuity
Replies: 41
Views: 2904

Re: Early Retirement - Lump Sum vs. Annuity

I went to Immediate Annuities.com and put in the information you provided (using the state of Florida).The best they can do is give you $4,232/month for a 100% joint and survivor annuity compared with your company pension of $4,064. The company life-time pension is significantly superior to what's ...
by #Cruncher
Thu Dec 07, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: 30 yr tips yield: 1% to 0.83% over last 2 weeks!
Replies: 66
Views: 8336

Re: 30 yr tips yield: 1% to 0.83% over last 2 weeks!

The TIPS yield curve has been flattening over the past 8 months as shown by the green line of the difference between the 30-year and 5-year constant maturity rates : https://fred.stlouisfed.org/graph/fredgraph.png?g=gr1E From 4/20/2017 to 12/6/2017 the 30-year yield fell 0.15% points while the 5-yea...
by #Cruncher
Thu Dec 07, 2017 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 26728

Re: Why not take Social Security at 62

Consider the fate of two retirees, ... Both would receive $20K/year from SS if they started benefits at age 62 and $30K/yr if they wait to age 70. ... Good example. Here's another one. ... each of them will get $20K a year at age 62 if they claim then, and $30K a year if they claim at age 70. It do...
by #Cruncher
Tue Dec 05, 2017 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Pension - Annuity vs accelerated payments - which should I choose?
Replies: 6
Views: 646

Re: Pension - Annuity vs accelerated payments - which should I choose?

-which options should I take for pension plan 1 and pension plan 2? If you're in average or better health, I'd suggest taking the life pension in both cases. When discounted at 4% it has a higher probable present value (PV) than the annuities with the fixed number of payments. -- Pmt / mo -- ---- P...
by #Cruncher
Sun Dec 03, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 26728

Re: Why not take Social Security at 62

... If you really think you are going to live until 85, not only should you not take it at 62 but you should delay it until 70. ... Can you show me the math that supported your conclusion, please? ... Check out Cruncher's spreadsheet above. None of my three previous posts ( one , two , or three ) s...
by #Cruncher
Sat Dec 02, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 26728

Re: Why not take Social Security at 62

$96,000 / $760 = 126 month = 10.5 years after age 70 = age 80.5 That's the breakeven assuming 0% real interest. For those interested, here is a little spreadsheet to calculate the breakeven time for discount rates besides 0%. For example, instead of 10.5 years, it is 12.24 years beyond age 70 when ...
by #Cruncher
Sat Dec 02, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 9045

Re: Amount You Need To Save Annually Over Lifespan

2 million real (age 25 dollars?) At 4% real growth, you'd need to save 20K per year starting at age 25 to hit 2 million at age 65. If you get 6% real, drop that down to 12K a year. These results and others can be calculated with the Excel PMT function . The portfolio balances at age 35, 45, and 55 ...
by #Cruncher
Wed Nov 29, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 26728

Re: Why not take Social Security at 62

In original post: Current age:50 Projected Social Security at 67: $19,300/year or $1608/month ... Total lifetime Social Security collected with a life expectancy of 85 years: ... Taken at age 62 earning 3%/year: $447,516 Taken at age 67 earning 3%/year: $460,941 The following table shows this in a d...
by #Cruncher
Wed Nov 22, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 26728

Re: Why not take Social Security at 62

Now the bad news. I'm having trouble reproducing your calculations. ... Nisi, there are three differences between your calculation and the original poster's: You assume one more year of benefits. You assume an annual compounding period; OP assumes monthly. You assume payment at the end of the perio...
by #Cruncher
Tue Nov 21, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help with mom's portfolio plan [taxes, SS, & selling $100k of single stock]
Replies: 53
Views: 2696

Re: Help with mom's portfolio plan [taxes, SS, & selling $100k of single stock]

Based on a quick spreadsheet I made up, she would've been able to net about $16-17k in capital gains before she crossed that 85% SS tax threshold(s) ... Given $22,499 of SS and $2,675 of non-SS ordinary income your mother could incur $20,076 of long term capital gains (LTCG) plus qualified dividend...
by #Cruncher
Sat Nov 18, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS OID for 2011 through 2017
Replies: 18
Views: 3196

TIPS OID for 2017: 2.0%

With the release of the October 2017 CPI earlier this week, I've updated my TIPS Interest and OID through the end of 2017. It shows interest and OID for each $1,000 face value of the following 44 TIPS. (OID or Original Issue Discount is how the IRS refers to the increase in inflation-adjusted princi...
by #Cruncher
Fri Nov 17, 2017 5:40 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate 0.10% [November rate announced]
Replies: 31
Views: 4435

Re: I Bond fixed rate 0.10% [November rate announced]

For those interested, here are the composite rates that will take effect from November 2017 to April 2018 [ 1 ] and run for six months for all outstanding I Bonds, including newly issued ones with a 0.10% fixed rate. [ 2 ] They incorporate the new semi-annual inflation rate of 1.24%: Fixed Rate Anno...
by #Cruncher
Sun Oct 29, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Selecting pension payout option
Replies: 15
Views: 1456

Re: Selecting pension payout option

JGoneRiding wrote:
Sun Oct 29, 2017 10:21 am
THE OP is female (the wife) she is also the higher earner ( or at least the one with a better pension)
Thanks for pointing this out, JGoneRiding. I've corrected my post. How could I have misread "DH" as "DW"? It was even in the portion of the original post that I quoted. :oops:
by #Cruncher
Sun Oct 29, 2017 10:21 am
Forum: Investing - Theory, News & General
Topic: How do I compute year to date returns?
Replies: 10
Views: 1263

Re: How do I compute year to date returns?

... But what is the YTD return? "Return" can be defined in different ways. I like to pose it as follows: Assume I make deposits and withdrawals into a savings account on the same dates and in the same amounts as with my investment account. Treating the opening balance as a deposit and the ending ba...
by #Cruncher
Sat Oct 28, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: SWR with a real return of 1.6%
Replies: 45
Views: 4148

Re: SWR with a real return of 1.6%

TIPS yields aren't quite that high now, dbr. Better to have said: You can [If you could] set up a ladder of 30 year TIPS at 1.3% real and [you'd] get 4% real back for 30 years. But your 4% is close anyway. According to my latest TIPS Ladder Builder spreadsheet, with 07/24/2017 prices , $804,000 [*] ...
by #Cruncher
Sat Oct 28, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Selecting pension payout option
Replies: 15
Views: 1456

Re: Selecting pension payout option

DH and I are both age 58. We will both receive a defined benefit pension ... The [100%] option means that each of us will receive about 14% less than we would if we took the full amount If you and your husband both have average life expectancies, Muri, the 100% joint life option is significantly be...
by #Cruncher
Sat Oct 28, 2017 6:26 am
Forum: Investing - Theory, News & General
Topic: Best spreadsheet for my purposes
Replies: 5
Views: 953

Re: Best spreadsheet for my purposes

Welcome to the forum, dk1. Here is your spreadsheet: Row Col A Col B Col C --- ------------- ------ ----- 2 TOTAL STOCK 10,000 3 US large cap 4,200 42.0% 4 US mid/sm cap 1,800 18.0% 5 Int'l 4,000 40.0% 7 TOTAL BOND 10,000 8 US sh tm 4,000 40.0% 9 US int tm 3,000 30.0% 10 US lg tm 2,000 20.0% 11 Int'...
by #Cruncher
Wed Oct 25, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Pay lump sum to get rid of PMI?
Replies: 13
Views: 1674

Re: Pay lump sum to get rid of PMI?

So spend the 24k and save 6.5k is a no brainer right? Looks like a good idea to me. I estimate you'd earn a 9.2% annual return on the $24,000. Determined as follows making some rough assumptions about the loan: $217,000 30-year 4.25% loan taken out October 2012. Monthly principal and interest payme...
by #Cruncher
Mon Oct 23, 2017 8:42 pm
Forum: Investing - Theory, News & General
Topic: Avoiding the Spiral
Replies: 21
Views: 3328

Re: Avoiding the Spiral

1. What would have to happen in the market for such a spiral to develop full-swing? Here's a hypothetical model where stocks fall F% each year for Y years, then rise R% every year thereafter so as to recover to an assumed average growth rate over an assumed number of years. Here are two examples fo...
by #Cruncher
Mon Oct 23, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits Calculators
Replies: 9
Views: 924

Re: Social Security Benefits Calculators

Since I am 60, the age 62 number is probably close enough to put into my claiming strategy spreadsheet. It would be nice to be able to stuff this number into a calculator and have it spit out the payment at age 66.5 and 70 ... Here's a little Excel spreadsheet that will do this calculation: Row Col...
by #Cruncher
Mon Oct 23, 2017 12:54 pm
Forum: Investing - Theory, News & General
Topic: 30 year tips auction-thursday 10/19, yield 0.86%?
Replies: 47
Views: 4586

Re: 30 year tips auction-thursday 10/19, yield 0.86%?

Let's say the 10 year real rate is 0.45% and the 30 year is 0.95%. Then [simplistically] you want the average (0.45%,x,x) = 0.95% Where the two x's are the real rates for the 2nd 10 year and the 3rd 10 year ... If you solve for x you get 1.20%. I also get 1.20% as the breakeven, Grok, except I used...
by #Cruncher
Sun Oct 22, 2017 3:44 pm
Forum: Investing - Theory, News & General
Topic: 30 year tips auction-thursday 10/19, yield 0.86%?
Replies: 47
Views: 4586

Re: 30 year tips auction-thursday 10/19, yield 0.86%?

... someone implied that you could meet a 30 year obligation by buying a 30 yr TIPS and this would be a LMP but buying a ten year TIPS and rolling it twice would not be a LMP. I guess that the reasoning here is the reinvestment risk of the Ten means that it is not a LMP. In my previous post I discu...
by #Cruncher
Sun Oct 22, 2017 7:11 am
Forum: Investing - Theory, News & General
Topic: 30 year tips auction-thursday 10/19, yield 0.86%?
Replies: 47
Views: 4586

Re: 30 year tips auction-thursday 10/19, yield 0.86%?

A liability matching portfolio is a fixed income portfolio with duration matching the duration of liabilities. By matching the durations, if interest rates rise, the portfolio value will decline, but the present value of liabilities falls by the same amount , which is why you aren’t taking term ris...
by #Cruncher
Sat Oct 21, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 IRS tax information
Replies: 28
Views: 4564

Re: 2018 IRS tax information

... For future years, do you increase the tax bracket thresholds by 3% or so every year for financial planning? No. I use constant (i.e. inflation adjusted) dollars for all financial planning. This works fine for most of the constants used in calculating taxes like the rate brackets and the standar...
by #Cruncher
Sat Oct 21, 2017 1:57 pm
Forum: Investing - Theory, News & General
Topic: 30 year tips auction-thursday 10/19, yield 0.86%?
Replies: 47
Views: 4586

Re: 30 year tips auction-thursday 10/19, yield 0.86%?

I created an all TIPS ladder with one bond for each TIPS issue. ... (This ladder has 31 securities not 30.) Nice graph, Doc; but there are 38 TIPS maturing from 2019 through 2047, not 31. Here they are [1], showing that the interest collected is about 12% of the total. Year Count Principal Interest...
by #Cruncher
Fri Oct 20, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: 2018 IRS tax information
Replies: 28
Views: 4564

Re: 2018 IRS tax information

Thanks for posting, FIREchief. I didn't realize the IRS released this information so early. The linked .pdf file is the format I've found to be most useful. I assume you're referring to the Rev. Proc. 2017-58 PDF file . It has all the new tax brackets. I used it to add 2018 to my Marginal Tax Rate s...
by #Cruncher
Thu Oct 19, 2017 12:07 pm
Forum: Investing - Theory, News & General
Topic: 30 year tips auction-thursday 10/19, yield 0.86%?
Replies: 47
Views: 4586

Re: 30 year tips auction-thursday 10/19, yield 0.86%?

Here is the auction results PDF file showing that the yield came in at 0.908%. Grok, are you buying several times a year. That would be an accounting nightmare in a taxable account. Trusting our brokers to get the OID correct is scary. Tax accounting for a multitude of TIPS in a taxable account woul...
by #Cruncher
Wed Oct 18, 2017 8:56 pm
Forum: Investing - Theory, News & General
Topic: Help me Understand: Guide to Investing Book Chart
Replies: 6
Views: 777

Re: Help me Understand: Guide to Investing Book Chart

For [an] income of $1,000 per year - that is from retirement to your death - you need $21,122 invested at the time of your retirement. Not exactly. Chapter Six, How Much Do You Need to Save? is confusing. Actually table 6.2 says that to spend $1,159 per year you will need $21,122 at retirement. Her...
by #Cruncher
Tue Oct 17, 2017 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Another Pension Lump Sum Help Needed
Replies: 9
Views: 1137

Re: Another Pension Lump Sum Help Needed

Do these calculations assume i take the $138,400 now, invest it then beginning when i am 65 in 20y i start taking $2161/m out? And then the interest rate is the annual return i would need to get through the entire horizon from today age 45 until the ages indicated? Yes. Assume at age 45 you deposit...
by #Cruncher
Tue Oct 17, 2017 12:46 am
Forum: Investing - Help with Personal Investments
Topic: EE/Ibonds & Tax Advantaged Space
Replies: 25
Views: 1770

Re: EE/Ibonds & Tax Advantaged Space

If you have the same marginal tax rate today until you cash them out, the tax advantage of I and EE Bonds is equivalent to interest on interest being tax free. I was not aware of this and, at first, didn't think it was correct. The following little table shows how I would normally compute the after...
by #Cruncher
Tue Oct 17, 2017 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Another Pension Lump Sum Help Needed
Replies: 9
Views: 1137

Re: Another Pension Lump Sum Help Needed

Age 45 Pension Lump Sum $138,400 Single Life Annuity at 65: $2161/m no COLA So assuming i live to 82 (expectancy), 90 and 100 what is the return i need to get to self fund equal to the annuity? I came up with rates [~] 5% 5% is pretty close, Falco. An easy way to calculate it is with the Excel IRR ...
by #Cruncher
Sun Oct 15, 2017 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - Maximizing a couples benefits
Replies: 35
Views: 3180

Re: Social Security - Maximizing a couples benefits

That means that a higher earner in the couple may wait to file at 70 while the lower earner can claim at full retirement age to maximize their total benefits as a couple. I don't believe one can get a spousal benefit until the other spouse has filed for his own benefits. (See the Aug 2016 thread, S...
by #Cruncher
Sat Oct 14, 2017 12:39 pm
Forum: Investing - Theory, News & General
Topic: IBonds - now or wait? [November 2017 rate]
Replies: 40
Views: 6120

Re: November 2017 - New I bond rate?

Yes, I am aware the fixed rate wont change once you purchase the bond. My reference to rate changes was only in relation to the inflation rate and not the fixed rate. Sorry about that. I was going by your use of the plural "rates" in "If you buy a bond that is issued in October then you ... won't r...