Search found 2922 matches

by neurosphere
Sun Oct 14, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 73
Views: 9512

Re: Downloadable Social Security Benefit Estimator (repost)

Neurosphere, With the new 2.8% COLA out, how do we adjust your estimator? Until I update it (hopefully before January 2019, but depends on my schedule), simply add 2.8% to the benefit. The benefit as it currently is, is in terms of September 2017 dollars. Add 2.8%, and it will roughly be in terms o...
by neurosphere
Mon Oct 08, 2018 5:15 pm
Forum: Investing - Theory, News & General
Topic: 2018 Bogleheads Conference Notes
Replies: 36
Views: 5045

Re: 2018 Bogleheads Conference Notes

Here is the current link to my photos.... PS. For those of you who are curious about my photographic process, here goes!... I think there is something wrong with your "process". Everyone at the meeting looked 10 years younger and way more attractive than in your photos! :D :D But seriously, thanks ...
by neurosphere
Mon Oct 08, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Public Service Loan Forgiveness PSLF not so good
Replies: 1
Views: 384

Re: Public Service Loan Forgiveness PSLF not so good

PSLF predictably approves less than 1%... https://www.forbes.com/sites/camilomaldonado/2018/10/05/pslf-approval-less-common-than-rhodes-scholarship/amp/ On the contrary, the NIH Loan Repayment Program LRP worked for me and funds better than 1% but requires real time and committment to research I th...
by neurosphere
Sun Oct 07, 2018 7:34 pm
Forum: Investing - Theory, News & General
Topic: Converting a slice and dice portfolio to a three fund portfolio
Replies: 13
Views: 947

Re: Converting a slice and dice portfolio to a three fund portfolio

Does it matter when I do the conversion (high market, low market, lower interest rates, etc or in other words timing)? No. Just do the exchange and be done with it. I agree with this. In absence of specific details which would let us know what kinds of taxes you would pay to switch, I would say jus...
by neurosphere
Mon Oct 01, 2018 6:26 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 245
Views: 32500

Re: Vanguard Municipal Money Market VMSXX 1.39%

Bimmer wrote:
Sun Sep 30, 2018 11:02 pm
Can anyone post updated charts/data?
Sure. See the post just preceding yours. :wink:
by neurosphere
Sat Sep 29, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 73
Views: 9512

Re: Downloadable Social Security Benefit Estimator (repost)

Thanks a lot for your prompt reply. No problems with interpretation of the graphs. Thanks a lot for the excellent work. You're welcome! I'm also an MD/PHD, whose PHD took longer than average and I had to go back to undergrad for an additional 2 years because I wasn't pre-med in college. Then 6 year...
by neurosphere
Sat Sep 29, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 73
Views: 9512

Re: Downloadable Social Security Benefit Estimator (repost)

Neurosphere, My question pertains to professionals (physicians etc) who due to their long training frequently do not work for 35 years. Assuming that from day 1 to the last working day the annual salary of a professional is more than the social security wage base what is the minimum number of years...
by neurosphere
Sat Sep 29, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 73
Views: 9512

Re: Downloadable Social Security Benefit Estimator (repost)

Neurosphere, My question pertains to professionals (physicians etc) who due to their long training frequently do not work for 35 years. Give me a sample birthdate, yours, or a made up one. And I'll create an illustration. This is exactly the kind of question my spreadsheet easily answers, in graphi...
by neurosphere
Sat Sep 29, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 73
Views: 9512

Re: Downloadable Social Security Benefit Estimator (repost)

The interesting thing is if I leave things at "0" in both your calculator and Anypia, the results are identical for retiring at age 67. But your results are lower for age 62 and higher for 70. Yet Anypia produces the same results for ages 62, 67, 70, unless I'm doing something wrong in entry. For i...
by neurosphere
Sat Sep 29, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 245
Views: 32500

Re: Vanguard Municipal Money Market VMSXX 1.39%

There may be some correlation between this data and the yield spikes that we have been seeing. I always find it interesting to look at cash flow into and out of funds. For these MM funds, if I had more time/interest I would plot cash flow vs yield and see if there was an interesting pattern. Anyway...
by neurosphere
Sat Sep 29, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 73
Views: 9512

Re: Downloadable Social Security Benefit Estimator (repost)

Is what you discuss entirely separate from the common assumption that one should multiply benefits by 77% in 2034 if one assumes there won't be a legislative solution? Or would I need to further reduce your spreadsheet's results by 23% for that assumption? The outputs of anypia and my calculator is...
by neurosphere
Sat Sep 29, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: SS 2019 COLA could be close to 3%
Replies: 55
Views: 5943

Re: SS 2019 COLA could be close to 3%

I'm too lazy to figure out what that is in 2018 dollars. I came up with the answer of 46315*(42097/26086) = 46315*1.6 = $74,742 The multiplier 1.6 was taken from the ratio of constant 2001 dollars for year 2067 and year 2018 I do not know how to interpret that number at all. What does it mean? I do...
by neurosphere
Sat Sep 29, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 73
Views: 9512

Re: Downloadable Social Security Benefit Estimator (repost)

"Wrong" is subjective here, but if you want an estimate in current dollars the "No increase" option is correct. From the anypia documentation: [No increase] is the recommended assumption for projecting future benefits. You can compare a benefit estimate with no future inflation to your current inco...
by neurosphere
Sat Sep 29, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 73
Views: 9512

Re: Downloadable Social Security Benefit Estimator (repost)

I'm getting vastly different results from neurosphere's spreadsheet than ANYPIA. My calculator is defaulted to "zero" for both future CPI increase and future wage growth. These are the defaults used in all the SS calculators online and the mailed benefit statements/estimates. But anypia allows you ...
by neurosphere
Fri Sep 28, 2018 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: SS 2019 COLA could be close to 3%
Replies: 55
Views: 5943

Re: SS 2019 COLA could be close to 3%

And where is sscritic when we need him? Ask and ye shall receive. Although, I kinda sort answered the question, but sscritic did the work to find the horse's mouth, so to speak: [Some people] doesn’t understand the difference between the words accrue and pay. (c) When is the increase because of del...
by neurosphere
Fri Sep 28, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: SS 2019 COLA could be close to 3%
Replies: 55
Views: 5943

Re: SS 2019 COLA could be close to 3%

Ok, so has the correct interpretation on when DRCs get applied to your benefit check: vtMaps or Beehave? And where is sscritic when we need him? Have not read most of the thread. But... vtMaps has the most complete/accurate answer. Delayed credits earned in the current year are not applied until Ja...
by neurosphere
Tue Sep 18, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Debt Repayment
Replies: 36
Views: 1917

Re: Student Loan Debt Repayment

Why refi and pay more interest than principal at this point? I’d also lose some federal protections if I ever needed them due to job loss. Maybe I'm misunderstanding. But if you refinanced to lower rates, and put the same money towards your loans that you were planning to anyway, a lower rate would...
by neurosphere
Tue Sep 18, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Debt Repayment
Replies: 36
Views: 1917

Re: Student Loan Debt Repayment

You could probably get lower rates by refinancing. However, you would then permanently lose some valuable protections of federal loans such as, should you lose your job and have zero income, to be able to set your required payments to zero and have the interest accumulation cut in half during this t...
by neurosphere
Sat Sep 15, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5571

Re: Employer won't Match 401k. Why?

How does it cost the company any money to subtract 18K from my salary and match 18K in my retirement fund? It would be all the same to the company, financially. But the point is it's EVERY employee, or none. Every employee (with some exceptions) has to be under the same set of rules when it comes t...
by neurosphere
Thu Sep 13, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: Isn't cap weighting less diversified than equal weighting?
Replies: 72
Views: 3114

Re: Isn't cap weighting less diversified than equal weighting?

$1000 on Apple is not the same as $1000 on some tiny micro-cap. In the first case you are getting ~0.00000001% ownership, and in the second case you are getting 0.01% ownership. I think this is the most straightforward answer I've seen describing cap weighting. It's purchasing the same percentage o...
by neurosphere
Wed Sep 12, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 73
Views: 9512

Re: Downloadable Social Security Benefit Estimator (repost)

dknightd wrote:
Wed Sep 12, 2018 12:19 pm
neurosphere wrote:
Fri May 04, 2018 8:38 am
Newest version here: https://1drv.ms/x/s!Atj-cegEXidXrGZgWf1RyCoGPrn0
Is it gone? I cann't seem to connect to 1drv.ms

Thanks
That link is working for me, whether I'm signed into one-drive or not. What happens when you click the link?
by neurosphere
Wed Sep 12, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 73
Views: 9512

Re: Downloadable Social Security Benefit Estimator (repost)

So even with income between 10740 and 64764, an incremental dollar for the last 15 years of working will only get you 1.1 cents per month increase in payment. Probably the worst legal annuity you could find is better. :oops: It's outside the scope of discussion for this thread, but only part of the...
by neurosphere
Tue Sep 11, 2018 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 73
Views: 9512

Re: Downloadable Social Security Benefit Estimator (repost)

@neurosphere , Thanks for this wonderful spreadsheet. V4 still seems to have a bug, since I have managed to get 45 years to be bold. My understanding is that only the top 35 years should be bold Is that correct? I think you can recreate the bug if you put a value an drag it down. Or if you could sh...
by neurosphere
Tue Aug 21, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 245
Views: 32500

Re: Vanguard Municipal Money Market VMSXX 1.39%

It's been two weeks since the last image was posted, and there has been continued increase in muni MM yields relative to Prime. Below is my example, using an arbitrary 35% federal and a 10% state/city rate for NY. It's interesting that, on average over the past year, muni yields have been relatively...
by neurosphere
Mon Aug 20, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card to Pay off Overpayment of Student Debt
Replies: 18
Views: 1617

Re: Credit Card to Pay off Overpayment of Student Debt

Don't most people still get checks to use from your credit card company? I get regular printed statements in the mail and probably every other month it comes with a check to use. Accepting the check doesn't cost the receiver a percentage like accepting a credit card does. There is a fee when using ...
by neurosphere
Sun Aug 19, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 245
Views: 32500

Re: Vanguard Municipal Money Market VMSXX 1.39%

I found this interesting paper from Schwab, What are the major influences on Municipal Money Market Yields? , in which they try and explain some of the volatility of municipal MMF yields: Thanks for that! It essentially confirms what we've speculated. But personally, I'm surprised at the magnitude ...
by neurosphere
Fri Aug 17, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card to Pay off Overpayment of Student Debt
Replies: 18
Views: 1617

Re: Credit Card to Pay off Overpayment of Student Debt

I did this the last year I was paying off my student loans. I had emergency funds to cover the balance so the risk of job loss or not being able to keep up the payment was minimal. And my interest rate was 6.8% so I was willing to take a small risk for the savings. The challenge is that most of the...
by neurosphere
Fri Aug 17, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Deferred Compensation 457b FICA and Medicare Taxes
Replies: 5
Views: 306

Re: Deferred Compensation 457b FICA and Medicare Taxes

https://www.irs.gov/government-entities/federal-state-local-governments/government-retirement-plans-toolkit Employee elective contributions are deferred from income tax. They are subject to FICA. However, see IRS Notice 2003-20, VI B, “Timing of social security and Medicare taxes.” Your elective con...
by neurosphere
Thu Aug 16, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Negative Insurance Discount with United Health Care and Sentara
Replies: 42
Views: 2858

Re: Negative Insurance Discount with United Health Care and Sentara

I'm wondering if the OP can post ALL the information from the EOB, that is, each line/column and column heading and the amounts. These EOBs can be quite confusing at times, and perhaps this is just a misunderstanding?
by neurosphere
Thu Aug 16, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Negative Insurance Discount with United Health Care and Sentara
Replies: 42
Views: 2858

Re: Negative Insurance Discount with United Health Care and Sentara

Never saw or heard about anything like this. The use of the term "negative discount" is creative. More accurately, seems like a surcharge of penalty. I don't understand why an insurance company would ALLOW a reimbursement/charge which is less than what the actual rate was. I'm wondering if the bill...
by neurosphere
Thu Aug 16, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 73
Views: 9512

Re: Downloadable Social Security Benefit Estimator (repost)

First, let me thank you for this spreadsheet. I have found it very useful in forecasting my future SS benefits even though I will be retiring early. The official SSA calculators are cumbersome and not as easy for playing what-if scenarios. Thanks! That's precisely one of the main reasons for the sp...
by neurosphere
Wed Aug 15, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Negative Insurance Discount with United Health Care and Sentara
Replies: 42
Views: 2858

Re: Negative Insurance Discount with United Health Care and Sentara

I'm not an expert, but when you signed up for insurance you agreed to pay the contracted rate. It's indeed strange that the amount you were billed is less than the rate, but the law requires you pay the rate you agreed to when you accepted to be covered by insurance. I think it's possible, but am no...
by neurosphere
Wed Aug 15, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 73
Views: 9512

Re: Downloadable Social Security Benefit Estimator (repost)

The graphs are OK, but it would be nice to have an annualized SS dollar amount and the % & $ increase relative to the prior year added to the table. Can you elaborate on what you mean by annualized SS dollar amount? The actual earnings, the SS maximum, and the indexed earnings are shown in the tabl...
by neurosphere
Sat Aug 11, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: SS 2019 COLA could be close to 3%
Replies: 55
Views: 5943

Re: SS 2019 COLA could be close to 3%

I, too, was eligible for SS in January the year I started collecting. I signed up for SS, received my notice of the benefit payable starting in January, and before I received my first payment, I was notified of an increase. Is this a great country or what?! Ed Hi Ed, I don't think you were technica...
by neurosphere
Wed Aug 08, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Anyone else decided not to finish med school?
Replies: 66
Views: 16446

Re: Anyone else decided not to finish med school?

I'm a physician, and I also am in a situation where I counsel and advise MDs on the their finances and loans on a daily basis. I have met dozens of MDs who can't afford their job. E.g. undergraduate and medical school debt (with increasing balances during training) which is high enough that it can n...
by neurosphere
Mon Aug 06, 2018 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 245
Views: 32500

Re: Vanguard Municipal Money Market VMSXX 1.39%

I'm going to make a prediction that the next spike in VMSXX yields will be very large . I'm simply assuming that there is going to be re-pricing trigger of some sort soon and yields will have to rise to keep up with demand. I have no actual additional knowledge or understanding with which to back u...
by neurosphere
Mon Aug 06, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Pay off loans (even though I qualify for forgiveness) by selling taxable investments?
Replies: 7
Views: 627

Re: Pay off loans (even though I qualify for forgiveness) by selling taxable investments?

What's the amount of principal vs interest on the loans? Remember that you are not charged interest on the interest. That 6.4% is not applied to the whole balance. It's as if the interest goes on a zero percent credit card. So your effective interest goes down over time, making paying it off less be...
by neurosphere
Sun Aug 05, 2018 6:29 pm
Forum: Investing - Theory, News & General
Topic: Anyone familiar with The Flexible Retirement Planner?
Replies: 5
Views: 1098

Re: Anyone familiar with The Flexible Retirement Planner?

I very much like the flexible retirement planner and the way it assigns a probability to future "success". BUT, I use it in combination with historical "real world" past scenarios as shown by programs like the Otar Retirement Planner. Using both types of analyses is helpful. One is not "better" than...
by neurosphere
Sat Aug 04, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 7980

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

Compounded COLA's may or may not influence an individual's claiming decision, but that's a personal matter. I'm curious how you, personally, would be influenced in your decision making about when to start taking benefits, if you knew in advance that over the life your your benefits, compounded COLA...
by neurosphere
Fri Aug 03, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefit Calculator made in Google Sheets
Replies: 6
Views: 770

Re: Social Security Benefit Calculator made in Google Sheets

I used this calculator: https://www.ssa.gov/oact/anypia/anypia.html It states: "The current version of the Detailed Calculator is 2018.1, which we released on December 15, 2017. It updates the 2017.2 version with the new economic information from the automatic adjustments announced in the fall of 2...
by neurosphere
Fri Aug 03, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefit Calculator made in Google Sheets
Replies: 6
Views: 770

Re: Social Security Benefit Calculator made in Google Sheets

--Which SS calculator are you comparing to? Link?

--I don't think any of the calculators are using old numbers.

-- What is the FRA your calculator is currently assuming?
by neurosphere
Thu Aug 02, 2018 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 53
Views: 5125

Re: SocialSecurity.tools updated to include spousal benefits

Have you thought about adding a line on the graph that shows survivor benefits, based on when the spouse chooses to start social security? Gregable and I discussed this, and how best to do the visualization for survivor benefits. There are a few options which we think might work. I think gregable i...
by neurosphere
Wed Aug 01, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 7980

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

And I agree with you that it might not be relevant to some people making decisions about when to claim. AFAICT, the decision about when to claim is highly personal and based on a number of factors (e.g., health history, funds need, emotional impact on current market performance, etc.). This is what...
by neurosphere
Wed Aug 01, 2018 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 7980

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

Columns 3 and 4 show the impact of delayed SS for each year from 62-70 if COLA is 2.5%. The larger raises shown for each delayed year is due to the effect of compounding. I understand why 2.5% applied to a bigger number results in an increase which is larger than that applied to a small number. But...
by neurosphere
Tue Jul 31, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 7980

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

The size of the absolute increase matters because of compounding on larger amounts due to delayed Social Security. I don't understand. If one is making a decision about when to file (assume age 62 vs age 70). Would actual/expected inflation affect that decision? If inflation is zero, which answer i...
by neurosphere
Tue Jul 31, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 245
Views: 32500

Re: Vanguard Municipal Money Market VMSXX 1.39%

Yah, VMSXX is awful right now. Just awful. Even this lazy guy moved some money out of it into Prime. Finally. Yes, but the gap has closed in the past few days, just a bit. Is this the start of a big upturn? This local minimum in muni yields occurred earlier (relative to the most recent peak) than i...
by neurosphere
Tue Jul 31, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 7980

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

Yes, my stomach always goes into knots when people start a comment with "I believe", "I didn't read all of the comments so far", or "I only skimmed". My point in posting the link was the helpful explanation regarding how increases to SS are calculated pre-age 60 and post-age 62. OTOH, I do agree wi...
by neurosphere
Tue Jul 31, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 53
Views: 5125

Re: SocialSecurity.tools updated to include spousal benefits

- In "Get Started", I recommend adding a link to averagepaste.txt · GitHub and use that as an example text file. It's a good end-to-end working demo. You can also copy the text file into a spreadsheet and go from there. I also like the idea for an end-to-end demo, good suggestion. It's cumbersome t...
by neurosphere
Tue Jul 31, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 53
Views: 5125

Re: SocialSecurity.tools updated to include spousal benefits

gregable, Very nice tool! Do you cover a scenario where Self and Spouse were born before 01/1954, Self starts benefits at 70 and then spouse at age 66 can start collecting 50% of Self's benefits and switch to his/her benefits at 70? That's the situation referred to in this post above , I believe. A...
by neurosphere
Tue Jul 31, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 53
Views: 5125

Re: SocialSecurity.tools updated to include spousal benefits

Trying to understand how this works. Isn't the 1.7% COLA announced in 2012 applied to benefits starting in 2013?... But maybe not...? Here's just a small clarification suggested by sscritic (in order to ensure language is precise). The benefit which is RECEIVED in January is the DECEMBER benefit. S...