Search found 3300 matches

by ObliviousInvestor
Fri Aug 17, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

From: Month in which your ex-spouse filed (or will file) for his/her retirement benefit: To: Month and Year in which your ex-spouse filed (or will file) for his/her retirement benefit: Good suggestion. Did this this morning. And thank you for the input regarding other "user experience" consideratio...
by ObliviousInvestor
Thu Aug 16, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

So, since the recent change to the law, you can't really file for your spousal benefit before FRA unless you take your own benefit at the same time (deemed filing?), right? Even before the law changed, I don't think you could file a restricted application before your FRA. --vtMaps vtMaps is correct...
by ObliviousInvestor
Thu Aug 16, 2018 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

I thought you could file for spousal benefits at anytime, if your spouse had filed for their benefit. Yes, as long as you are 62. Is the problem here that her application is a 'restricted' application because she is not filing for her 'own' benefit at that time and you really can't do that before F...
by ObliviousInvestor
Thu Aug 16, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

LadyGeek, I believe I have fixed the issues you raised.

Relatedly, I also made it so that the message about the ex-spouse's filing date now is an error message. (That is, by default there's no message there now. But the message now shows up as an error message if they leave the field blank.)
by ObliviousInvestor
Wed Aug 15, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

There's apparently two different things causing the same problem. (Or rather, two different ways to trigger the same bug in the code.) Essentially the bug gets triggered whenever marital status is divorced and the filing date of "Person B" is considered to be fixed (through an input other than the n...
by ObliviousInvestor
Wed Aug 15, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

When selecting status as divorced*, "Your Ex-spouse's Information" retirement benefit date presents two conflicting choices. Month in which your ex-spouse filed (or will file) for his/her retirement benefit: (end of line) Month in which your spouse filed for his/her retirement benefit: [Month drop-...
by ObliviousInvestor
Tue Aug 14, 2018 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

You should know that I have sent a message to one of the bloggers (Dana Anspach) at The Balance suggesting that they reference your calculator as a stand-in for SSAnalyze! - the loss of which inspired you to begin this project. Thank you for doing that. I really appreciate it. FWIW, I'm a big fan o...
by ObliviousInvestor
Tue Aug 14, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

On the question of when to update the numbers one thing I would keep in mind is that people will likely print off the results and show it to someone else so that the context of what has been changed will be lost. It the would be confusing to not update or blank-out the second sets of results when t...
by ObliviousInvestor
Tue Aug 14, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

here is some relevant data, without revealing personal information. First claimant - Female - FRA March 2018, first claimed April 2014 (age 62) - PIA 920 at FRA Second claimant - Male - FRA July 2021, entered as intending to work through end 12-2023, with a PIA at FRA of 2700, earnings per mo (flat...
by ObliviousInvestor
Mon Aug 13, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Keith Simons, I will check the math of your example tomorrow and see if I have made an error, or if there's simply a misunderstanding here of some sort.
by ObliviousInvestor
Mon Aug 13, 2018 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

On the question of when to update the numbers one thing I would keep in mind is that people will likely print off the results and show it to someone else so that the context of what has been changed will be lost. It the would be confusing to not update or blank-out the second sets of results when t...
by ObliviousInvestor
Mon Aug 13, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Here it is. ... Thank you for bringing this up and providing the necessary inputs! (Given a very specific set of inputs -- the ages and the fixed filing date, then running the original function, the alternative date function, and original date function again in that order -- it was erroneously gene...
by ObliviousInvestor
Mon Aug 13, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

My understanding of Delayed Retirement Credits is that they are not credited to your account until January of the year following the year in which they were earned. Thus if I file at full retirement age (FRA) in March of 2019 or in September (FRA + 6 months), wouldn't my monthly payment be the same...
by ObliviousInvestor
Mon Aug 13, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

The table of "Year-by-Year Benefit Amounts" shows, for a given year, the benefit "claimed" amount, not the benefit "paid" amount. What do I mean by that? The easiest way understand this is to think about a person who claims their benefit starting in December 2011. Their first benefit is actually pa...
by ObliviousInvestor
Mon Aug 13, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

OK, the new behavior is as follows: If an input on the primary form is changed (e.g., discount rate or mortality table), clicking the "submit" button in the "alternative date" form will: 1) Run the original calculation again -- getting a new recommended strategy, updating the corresponding PV, and u...
by ObliviousInvestor
Mon Aug 13, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Readers have different display devices and perceive content differently. This is a good point -- and something I have to remind myself of constantly. Suggestion: Be very aggressive to insert links on any term that's related to Social Security. Not just one time, but everywhere the term is mentioned...
by ObliviousInvestor
Mon Aug 13, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

The problem is that some of the numbers at the bottom are changing and others are not. In particular, the value of the difference between the two strategies looks absurd if you don’t know what’s going on. In my mind, that obvious discrepancy was the clue that would lead a person to realize they nee...
by ObliviousInvestor
Mon Aug 13, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

The problem is that some of the numbers at the bottom are changing and others are not. In particular, the value of the difference between the two strategies looks absurd if you don’t know what’s going on. In my mind, that obvious discrepancy was the clue that would lead a person to realize they nee...
by ObliviousInvestor
Mon Aug 13, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Mike, while it may seem obvious to most that the tool does not and cannot consider every factor unique to a user's situation, factors that the user should or at least might want to consider in deciding how and when to apply, it's just not going to be so obvious to everyone. There is an explanation ...
by ObliviousInvestor
Mon Aug 13, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Hmm. I suspect we're having a miscommunication here. Are you saying the following? 1) You ran the calculator (first button). 2) You tried an alternative-date strategy (entered dates, clicked second button). 3) Then you changed the discount rate and clicked the first button again. 4) The output for ...
by ObliviousInvestor
Mon Aug 13, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Yes. For the proposed solution to be updated, you have to click the first "submit" button rather than the second one. The first button is the one that runs all the various possible options, whereas the second just runs one single PV calc with the dates you selected. It was the first button that I p...
by ObliviousInvestor
Mon Aug 13, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Yes. For the proposed solution to be updated, you have to click the first "submit" button rather than the second one. The first button is the one that runs all the various possible options, whereas the second just runs one single PV calc with the dates you selected. It was the first button that I p...
by ObliviousInvestor
Mon Aug 13, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

A minor suggestion. In the drop down boxes where you select the month you list 1,2,3, etc. If they were listed as 1-Jan. , 2-Feb. 3-March, etc. That would make data entry mistakes less likely. Thank you for this suggestion. I would appreciate it if anybody else reading this thread could weigh in --...
by ObliviousInvestor
Mon Aug 13, 2018 6:35 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Does your calculator correctly project the amounts which should be seen as spousal benefit, if there has been a voluntary suspension at FRA by the older earner, who was also the lower earner, and took their benefits fully four years earlier than FRA? I am looking here not merely at the output of yo...
by ObliviousInvestor
Fri Aug 10, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Given the factors I mentioned in the last post, I wonder how useful this calculator is? It might lead to more confusion than clarity for most people, and might lead to some people taking SS earlier than would be best for them. What it calculates is just one minor part of the info to be considered w...
by ObliviousInvestor
Fri Aug 10, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Given the factors I mentioned in the last post, I wonder how useful this calculator is? It might lead to more confusion than clarity for most people, and might lead to some people taking SS earlier than would be best for them. What it calculates is just one minor part of the info to be considered w...
by ObliviousInvestor
Fri Aug 10, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

I am 68 and single. It tells me to file immediately. Why? Because that is the option that maximized expected present value, given the inputs provided. Without additional information about the inputs you used, it's hard to say anything more than that. I used all the default inputs, except birthday. ...
by ObliviousInvestor
Wed Aug 08, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Another user suggested some sort of optional downloadable output. That's something I plan to look into. (Perhaps it could satisfy your goals and mine simultaneously, in that the optional downloadable output could be more detailed.) I would suggest the Comma Separated Values (CSV) format. It's plain...
by ObliviousInvestor
Wed Aug 08, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: [Calculating future Social Security benefits: How do I adjust the discount rate?]
Replies: 25
Views: 1058

Re: [Calculating future Social Security benefits: How do I adjust the discount rate?]

Mike: I tried again with the "advanced options" and the "reduced social security" and then the "Test an alternative claiming strategy" and it worked. So I think it was user error :-) I think what I did differently is that previously I was reusing a previous calculation where I was not selecting red...
by ObliviousInvestor
Wed Aug 08, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: [Calculating future Social Security benefits: How do I adjust the discount rate?]
Replies: 25
Views: 1058

Re: [Calculating future Social Security benefits: How do I adjust the discount rate?]

Mike: Thanks again for the great work as it is very helpful! One thing I noticed that you may want to adjust. When I run using the "Advanced Options" and select "Yes" for "Assume that Social Security benefits will be cut in the future?" as expected the primary results are impacted. However, when I ...
by ObliviousInvestor
Wed Aug 08, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Could you provide simplified guidance that the default value of 0.9% represents the number in the "20 YR" column of that table? Good suggestion. I'll state that more clearly. Suggestion: Scrape the page and "pre-enter" the latest value in real-time. This is basically what's already happening, via t...
by ObliviousInvestor
Wed Aug 08, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

tc101 wrote:
Wed Aug 08, 2018 2:21 pm
I am 68 and single. It tells me to file immediately. Why?
Because that is the option that maximized expected present value, given the inputs provided. Without additional information about the inputs you used, it's hard to say anything more than that.
by ObliviousInvestor
Wed Aug 08, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: [Calculating future Social Security benefits: How do I adjust the discount rate?]
Replies: 25
Views: 1058

Re: [Calculating future Social Security benefits: How do I adjust the discount rate?]

Without speculating here about what future changes might occur, my question is "How should one adjust the discount rate, taking into account the risk of possible future benefits reductions?" There's already an item on the to-do list for enhancing the Open Social Security tool: 5) Option to include ...
by ObliviousInvestor
Wed Aug 08, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Two updates today: 1) As suggested by JoeRetire, the table output now begins with the first year in which a benefit is received, rather than the year in which the user turns age 62. 2) As requested by multiple parties, when the "advanced options" setting is selected, there is now an option (below th...
by ObliviousInvestor
Tue Aug 07, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Second: The calculator now provides a table as part of the output, with year-by-year benefit amounts for the recommended strategy (and another table if the user chooses to test alternative claiming ages). Nice feature! But it seems odd that the year-by-year table starts at 2016. Why not start at th...
by ObliviousInvestor
Tue Aug 07, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Two big updates went live today (the first of which was a much larger project than I had anticipated -- almost two months of work as discussed above). First: The calculator now considers voluntary suspension possibilities. For example, if one person in a couple filed at age 62 and is currently age 6...
by ObliviousInvestor
Mon Aug 06, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Is It Really That Difficult to Apply for Social Security Online?
Replies: 13
Views: 960

Re: Is It Really That Difficult to Apply for Social Security Online?

By a huge margin, the most common experience I've heard from people doing online applications is that everything went just fine. Not to say that things can't go wrong, because they can and sometimes do. But the typical result is that everything goes smoothly. In-person or telephone discussions/appli...
by ObliviousInvestor
Sun Aug 05, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: [Calculating future Social Security benefits: How do I adjust the discount rate?]
Replies: 25
Views: 1058

Re: [Calculating future Social Security benefits: How do I adjust the discount rate?]

It's an interesting question, but a tricky one. ... On the other hand, delaying Social Security provides a degree of risk reduction that TIPS do not provide (via the longevity insurance aspect). But even that is complicated, because the value of such risk reduction varies from one person to another...
by ObliviousInvestor
Sun Aug 05, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: [Calculating future Social Security benefits: How do I adjust the discount rate?]
Replies: 25
Views: 1058

Re: [Calculating future Social Security benefits: How do I adjust the discount rate?]

It's an interesting question, but a tricky one. Social Security clearly has a degree of political risk. And TIPS clearly do not carry that same risk. But it's not easy to quantify via discount rates. On the other hand, delaying Social Security provides a degree of risk reduction that TIPS do not pro...
by ObliviousInvestor
Sun Aug 05, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: [Calculating future Social Security benefits: How do I adjust the discount rate?]
Replies: 25
Views: 1058

Re: "Open Social Security" calculator: feature requests, bug reports, etc

afan, I think that's a great topic for discussion, and I too would be interested to hear other people's thoughts. Would you consider making it a new thread though, as it is not directly related to the bugs/features discussion for the calculator but more broadly about Social Security decisions in gen...
by ObliviousInvestor
Thu Aug 02, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

LadyGeek, I'm sorry but I probably can't give very good answers here. I just followed the Angular tutorial from Angular.io and built from there, so there's a whole lot that I don't know about how Angular is actually working behind the scenes. I do know that I was having a similar refresh problem and...
by ObliviousInvestor
Thu Aug 02, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

LadyGeek wrote:
Thu Aug 02, 2018 4:25 pm
FYI - We have a different on-going effort here: SocialSecurity.tools updated to include spousal benefits.
Yep, I think SocialSecurity.tools is the bee's knees. There's a reason I link to it from the homepage of Open Social Security. :)
by ObliviousInvestor
Thu Aug 02, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Yes, the calculator is definitely ready for release in my opinion. There are still features that I plan to add over time (and which I've been working on -- still roughly 30 hours/week since this thread went up). But the calculator does what it says it does. For anybody curious on recent developments...
by ObliviousInvestor
Thu Jun 28, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: SS Survivor Benefit - Impact of Deceased Spouses SS Disability Filing
Replies: 10
Views: 569

Re: SS Survivor Benefit - Impact of Deceased Spouses SS Disability Filing

Did your father in law file for retirement benefits as well as disability benefits, or just disability benefits? A widow benefit is reduced if the deceased received retirement ("old age") benefits prior to full retirement age. See paragraph (c) here: https://www.ssa.gov/OP_Home/cfr20/404/404-0338.ht...
by ObliviousInvestor
Tue Jun 26, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

FYI - Just saw Open Social Security calculator highlighted in an article in MarketWatch. The two free calculators pretty much agree in all these relatively straightforward cases. I like the “compare alternative” feature in Open Social Security. We see in one case a difference of five years in the c...
by ObliviousInvestor
Tue Jun 26, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Was there a projected COLA included? Perhaps this was already mentioned somewhere in this thread. No assumption is made as to inflation. Instead, all of the math is done in real (inflation-adjusted) terms. Of course (as I'm sometimes accused of harping on, lol) if SS projections are accurate such t...
by ObliviousInvestor
Sun Jun 24, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

[Edit, I think I'm wrong. It's just that the calculator is calling the first benefit for someone with an april 1st birthday as "starting" in april and calling it "age 62 and one month". Which is correct in SS terms, but confusing in real life terms. Otherwise I think the calculator is ok! Sorry for...
by ObliviousInvestor
Fri Jun 22, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Rob54keep wrote:
Fri Jun 22, 2018 10:20 am
Was there a projected COLA included? Perhaps this was already mentioned somewhere in this thread.
No assumption is made as to inflation. Instead, all of the math is done in real (inflation-adjusted) terms.
by ObliviousInvestor
Fri Jun 22, 2018 6:15 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15307

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Still not sure about the discount rate (hopefully the book will explain further, but I do understand the NPV of $). Where I'm somewhat confused is if it is necessary b/c the $ not taken to live on from our investments will compensate for it so isn't it a wash? The discount rate is necessary because...
by ObliviousInvestor
Wed Jun 20, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: MIL passed- question about her Social Security
Replies: 22
Views: 2746

Re: MIL passed- question about her Social Security

Was the mother married to her first husband for 10 or more years? OP Please answer this question. If she was married to the first husband for 10 or more years, the first may have dibs on some of her SS. It doesn't matter (to the second husband) whether she was married to her first husband for 10 or...