Search found 245 matches

by MisterBill
Tue Dec 19, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 250
Views: 40832

Re: Fidelity free Turbotax

I received the free download each of the last 2 years. Might be noteworthy that we have 7 figures w/ Fido. Folks might be jumping the gun; I don't think it was available until mid January last year. It was definitely available at this time last year (in fact, a few days earlier) but some people who...
by MisterBill
Mon Dec 18, 2017 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 250
Views: 40832

Re: Fidelity free Turbotax

Same here. And it is the online version only, not the download/Desktop version, right? Not necessarily: see https://www.bogleheads.org/forum/viewtopic.php?f=2&t=203884&start=50#p3158406. Awesome, thank you! Now if they would fix the URL ... ;) I was thinking it could be TT that didn't activate some...
by MisterBill
Mon Dec 18, 2017 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 194
Views: 28407

Re: TurboTax Prices

HueyLD wrote:
Mon Dec 18, 2017 9:30 am
“This may change mid-December?”

But it is already mid-December!
The Fidelity offer is available. Unfortunately, I got an error when I got to the TT page. Hopefully it will be fixed soon.
by MisterBill
Mon Dec 18, 2017 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 250
Views: 40832

Re: Fidelity free Turbotax

Great news -- the offer is up! Not so great news, when I got to Turbotax's website, I got an error: Our Apologies We cannot find the page you requested. You may have incorrectly typed the address (URL) or clicked an outdated link. Not sure who I'd report this to at Fidelity so I'll just try again to...
by MisterBill
Mon Dec 18, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Spousal SS benefits
Replies: 32
Views: 2670

Re: Spousal SS benefits

Okay... No, the Spouse (unlike the survivor) does not benefit from those "extra percentages" from FRA to age 70. Only the primary earner, collecting on "own" SS benefits gets that, --> as does the survivor, who would get the full amount, assuming that the higher earner did wait until age 70 to coll...
by MisterBill
Mon Dec 18, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 194
Views: 28407

Re: TurboTax Prices

HueyLD wrote:
Mon Dec 18, 2017 9:30 am
“This may change mid-December?”

But it is already mid-December!
Well, it was last Monday when she responded, so not quite mid-December at that point.
by MisterBill
Mon Dec 18, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 194
Views: 28407

Re: TurboTax Prices

The real concern I have is what ELSE might you be installing at a the same time? A botnet-agent, key-logger, or worse? When it comes to downloading something to my PC - I'm sticking to well-known sites. Perhaps the "download" code of the non-authorized resellers are somehow legitimate purchases fro...
by MisterBill
Mon Dec 18, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Spousal SS benefits
Replies: 32
Views: 2670

Re: Spousal SS benefits

I think you might be confusing survivor benefits with spousal benefits. RM No, I was responding to the "A key additional benefit is that, if either partner dies, the survivor 's benefit is set at the higher individual payout." comment by neilpilot when I added the extra line about the survivor's be...
by MisterBill
Mon Dec 18, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Spousal SS benefits
Replies: 32
Views: 2670

Re: Spousal SS benefits

What is the benefit of filing to get half your spouses benefit? Are you filing taxes separately? The benefit is that when you file a restricted application for spousal benefits you can delay your own benefits. The benefit grows at approximately 8% a year until age 70. A key additional benefit is th...
by MisterBill
Mon Dec 18, 2017 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Spousal SS benefits
Replies: 32
Views: 2670

Re: Spousal SS benefits

You can input variables here and get a recommendation. http://www.bedrockcapital.com/ssanalyze/ (Play around with the "expected age of death". For my situation, an increase of one year greater than the default life expectancy made a significant change in strategy). Interesting site. I tried it for ...
by MisterBill
Mon Dec 18, 2017 12:27 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 194
Views: 28407

Re: TurboTax Prices

I’m a Fidelity customer, and as part of their Private Client group due to my assets, I’m assuming I’ll get free TT Premier this year. Last year I had my TT purchase refunded by Fidelity, as I was in the process of a rollover and didn’t have the free offer on the website. Any Fidelity clients out th...
by MisterBill
Mon Dec 18, 2017 12:16 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 194
Views: 28407

Re: TurboTax Prices

TT Premier download with 1 state $41.75 Tax Pros https://store.taxprosdeal.com/index.php/tax/for-pc/turbotax-premier-2017-fed-efile-state-pc-dl Anyone have experience with this seller? Google search reveals some posts on Intuit's site that indicate that it may not be an authorized reseller, but not...
by MisterBill
Wed Dec 13, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 250
Views: 40832

Re: Fidelity free Turbotax

In the past the offer did not come up on our login. I emailed our representative, who seems nice enough but I’ve never met or done any business with, and he said just to send him the receipt electronically and they would reimburse our account. I did and they did. Worked out fine. I was hoping that ...
by MisterBill
Wed Dec 13, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 250
Views: 40832

Re: Fidelity free Turbotax

It doesn't show up for everybody at the same time. I had a discussion about it with Fidelity last year. Maybe they were BSing me but that is what they said, and mine came in January Maybe they offered it to the more important customers first :D But I do recall people not seeing it originally gettin...
by MisterBill
Wed Dec 13, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 250
Views: 40832

Re: Fidelity free Turbotax

When I price-compared last year I found a CD order from Amazon was the cheapest option (versus a download even with a supposed discount from various sources). The CD also had the advantage of having a license that allowed it to be loaded on multiple computers for immediate family use (of course thi...
by MisterBill
Wed Dec 13, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 250
Views: 40832

Re: Fidelity free Turbotax

1st time user of TurboTax last year, thanks to Free offer from Fidelity. Has anyone received Free TT offer from Fidelity yet? It's getting close to end of year and all has been silent, so I am concerned that they may not be offering this year other than a $20 discount...... I've gotten it the past ...
by MisterBill
Wed Dec 13, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 250
Views: 40832

Re: Fidelity free Turbotax

I followed the link in Fidelity to Turbotax, and did not see any reduction in price. Same $59 as if I just went to TT. Worse than Amazon's $49. This page just took me to a discount page, with up to $20 off on the higher priced products. https://www.fidelity.com/tax-information/turbotax-discount/ove...
by MisterBill
Sat Dec 09, 2017 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 28058

Re: Prepayment of SALT Taxes? [State and Local]

This thread got me to thinking about my situation. I retired at the end of August but have a large estate capital gain that I need to pay taxes on this year. I'd already determined (thanks to a thread I created here) that I only need to worry about paying the full amount of my 2016 Federal income ta...
by MisterBill
Sat Dec 09, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 469
Views: 104286

Re: Bank of America/Merrill Edge - Preferred Rewards

Just to provide another data point on this: indeed, it appears that neither your accounts at Merrill Edge nor Bank of America must be open for 90 days (or 3 months). Rather, they use a 3-mo. rolling average, so for young accounts, you'd simply have $0 for some of the months in the calculation. Here...
by MisterBill
Mon Oct 09, 2017 2:38 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to pay estimated taxes on a K-1 from an estate?
Replies: 4
Views: 880

Re: Do I need to pay estimated taxes on a K-1 from an estate?

Possibly because of lower wages this yr., you may not meet the safe harbor of 100%(110%) of last yrs taxes. Perhaps the other safe harbor of 90% of this yrs taxes may apply but you will have to do a simulated tax return to see. Thanks.. it seems like the 90% would be of the total amount of taxes du...
by MisterBill
Sun Oct 08, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to pay estimated taxes on a K-1 from an estate?
Replies: 4
Views: 880

Do I need to pay estimated taxes on a K-1 from an estate?

I received a K-1 with a significant long-term capital gain from my mother-in-law's estate earlier this year. Do I need to pay estimated taxes on it, or do I just need to worry about paying what I paid on my 2016 taxes to avoid a penalty when I file my 2017 taxes? Complicating things here, I retired ...
by MisterBill
Sun Oct 08, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 3075

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

Congratulations! I think you made a good safe choice leaving you or survivor with guaranteed income for life with no possibility of messing that part up: scams, poor thinking in old age, markets not doing well, etc. So I wasn't going to post this, but here goes. I realized that if I picked the lump...
by MisterBill
Fri Oct 06, 2017 11:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 323
Views: 59660

Re: Roll Call for the Retirement Class of 2017!

I retired as of 9/1 (just found this thread). I'll be 62 in November and had intended to work for another 3 years but a situation at work made retiring a better option than staying (or trying to stay). I looked at my financial situation and fortunately retirement was an option that we could afford t...
by MisterBill
Thu Oct 05, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 7302

Re: Anyone go 100% Ally or another online bank for all banking needs?

I've been using Bank of Internet as my primary bank for a few years now, 1.25% interest so long as I do 15 debit transactions a month (it used to be easier to get before they changed the requirements). The only thing i miss having a local bank for is if I get cash and need to deposit it. I have a Ba...
by MisterBill
Thu Oct 05, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 3075

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

Take the pension as an annuity. You can sleep at night. So, I'm the OP and figured I'd come back and report on my decision. I decided to go with the straight annuity, 100% survivor option. It just seemed like the easier way to go, and I'm comfortable with the decision. And I liked your comment abou...
by MisterBill
Fri Jul 28, 2017 4:52 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1349
Views: 228191

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Earl Lemongrab wrote:Right, the actual card with the 1.75% is the cash-back card with the Preferred Rewards boost.
Too many different "rewards" names! I fixed my post.
by MisterBill
Fri Jul 28, 2017 12:23 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1349
Views: 228191

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I have enough at ME to be eligible for the 75% bonus. To get back to the above, which card is better for general spend, Preferred Rewards or Travel Rewards? We travel enough that we wouldn't have a problem getting eligible travel charges. Definitely Travel Rewards. The Cash Rewards card is only goi...
by MisterBill
Sun Jul 23, 2017 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Any way to avoid capital gains tax (from K-1) using married filing separately?
Replies: 21
Views: 1589

Re: Any way to avoid capital gains tax (from K-1) using married filing separately?

However, if the partnership didn't make a Section 754 election (and doesn't want to apply for a ruling for an extension of time to make the election), the estate will have a capital loss on its partnership interest corresponding to the pre-death appreciation. (If the partnership is able to make the...
by MisterBill
Sun Jul 23, 2017 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Any way to avoid capital gains tax (from K-1) using married filing separately?
Replies: 21
Views: 1589

Re: Any way to avoid capital gains tax (from K-1) using married filing separately?

But, getting to the question you asked, from the way you phrased things, I think you might have a common misunderstanding about how LTCG are taxed. Threads on this common misunderstanding arise every few weeks, it seems, and there is a rather grouchy one going on right now: https://www.bogleheads.o...
by MisterBill
Sun Jul 23, 2017 2:17 am
Forum: Personal Finance (Not Investing)
Topic: Any way to avoid capital gains tax (from K-1) using married filing separately?
Replies: 21
Views: 1589

Re: Any way to avoid capital gains tax (from K-1) using married filing separately?

I would at least ask the question why there was no step up in basis of her one-half interest in the property. Gill In for a penny in for a pound. I would ask the lawyer both questions (the basis step-up, and how the estate was able to pass the capital gain through). It's possible there was no basis...
by MisterBill
Sat Jul 22, 2017 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Any way to avoid capital gains tax (from K-1) using married filing separately?
Replies: 21
Views: 1589

Re: Any way to avoid capital gains tax (from K-1) using married filing separately?

I would at least ask the question why there was no step up in basis of her one-half interest in the property. Gill I'll speak to the person who worked on it. Meanwhile, I went into 2016 Turbotax and just entered a Form 1041 K-1 with the amounts on my form, and it tells me that I owe around $70k in ...
by MisterBill
Sat Jul 22, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Any way to avoid capital gains tax (from K-1) using married filing separately?
Replies: 21
Views: 1589

Re: Any way to avoid capital gains tax (from K-1) using married filing separately?

Are you saying the LTCG was about a million dollars? Was there no step up in basis in the estate? How did the accountant "decide" you would be taxed on the gain? There are rules governing this. Gill I was not the executor of the estate, my brother-in-law was and told us that the law firm and their ...
by MisterBill
Sat Jul 22, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Any way to avoid capital gains tax (from K-1) using married filing separately?
Replies: 21
Views: 1589

Any way to avoid capital gains tax (from K-1) using married filing separately?

OK I will start by saying I know I should talk to an accountant about this but I don't have one and don't have a lot of knowledge in this area, so I figured I'd ask here as a start. My wife's mother passed away a few years ago and we've been getting distributions from the estate. Earlier this year, ...
by MisterBill
Tue Jul 18, 2017 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Shall I roll over my TIAA-CREF retirment account to Vanguard
Replies: 32
Views: 5407

Re: Shall I roll over my TIAA-CREF retirment account to Vanguard

So I called a TIAA guy that I used to work with when I used their Wealth Management services (not the WM guy but an admin person) and said they are still my reps even though I don't pay for their service. He told me something that I did not know, that as a former NY employee (City University of NY),...
by MisterBill
Tue Jul 18, 2017 9:30 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1349
Views: 228191

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Unfortunately, current public brokerage bonuses are a lot worse than those avalable in the first quarter of the year. They are not even as good as those available just a few weeks back (Q2) -- unless one is willing to transfer $1M or so. Without public competing bonuses, Scottrade and others might ...
by MisterBill
Mon Jul 17, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Shall I roll over my TIAA-CREF retirment account to Vanguard
Replies: 32
Views: 5407

Re: Shall I roll over my TIAA-CREF retirment account to Vanguard

Since you haven't worked there for 29 years, I assume that this account corresponds to a small portion of your portfolio. Although the ER of these funds are more than what Vanguard would charge, they are not bad. But then again, every bit of savings is good. I personally like TIAA Traditional. So I...
by MisterBill
Mon Jul 17, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Shall I roll over my TIAA-CREF retirment account to Vanguard
Replies: 32
Views: 5407

Re: Shall I roll over my TIAA-CREF retirment account to Vanguard

I'm also considering what to do with my TIAA 403(b) from a university that I haven't worked at for 29 years. I'd always been pretty happy with their ER so I left it there, but looking at it now, they're definitely higher than I thought. I do not have access to TISPX that was mentioned earlier. Inste...
by MisterBill
Wed Jul 12, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 3075

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

Also, my decision to use a single tax rate for all investment income and all IRA withdrawals for all years is possibly an oversimplification. It's quite likely to vary over the years and by type of income. For example if some of the taxable investments are in common stocks, the tax impact would be ...
by MisterBill
Tue Jul 11, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 469
Views: 104286

Re: Bank of America/Merrill Edge - Preferred Rewards

Data Point: Just received my $1,000 bonus from last December's brokerage promotion at Merrill Edge. Took every bit of the 180 day qualifying period + one week in the terms, but it paid on time without any intervention from my end. Still a happy client and pleased with the Preferred Rewards program ...
by MisterBill
Tue Jul 11, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 3075

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

To help with this decision I calculated the age at which taking the additional $1,210 monthly pension from the full 100% survivor ($2,835) versus the partial 100% survivor ($1,625 mentioned in this post ) would overtake the lump sum one gets when choosing the partial pension. It assumes that all mo...
by MisterBill
Mon Jul 10, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 3075

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

From the BH postings, I understand that there is a consensus that lump sum is not a good deal. I think the consensus is based the assumption that people need a have stable income during retirement. If you have sizable tIRA, lump sum may make your income from 62 to 70 lower, so that you can make mor...
by MisterBill
Mon Jul 10, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 3075

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

I went back to the pension site and was able to get it to generate an estimate for the lump sum + annuity with 100% survivor benefit and it's $1,625/mo vs $1,918 with no survivor or $1,760 with 50%. That's compared to $2,835/mo with no lump sum. So with 100% survivor benefits for both, pension is $...
by MisterBill
Mon Jul 10, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 3075

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

If your wife has SS on her income, she could begin as early as 62 while you wait for age 70 and do 100% survivor on 100% annuity. 100% annuity means a guaranteed income rather than possibility of market crash, bad choices, scams and other negative influences in your or your survivor's later years o...
by MisterBill
Mon Jul 10, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 3075

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

I went back to the pension site and was able to get it to generate an estimate for the lump sum + annuity with 100% survivor benefit and it's $1,625/mo vs $1,918 with no survivor or $1,760 with 50%. That's compared to $2,835/mo with no lump sum.
by MisterBill
Mon Jul 10, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 3075

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

Was the adviser who suggested taking the lump sum also expecting to earn a commission from your lump sum investments? If so, than his advice might not be solely in your best interests. He acts in a fiduciary capacity so it should not be based on that. A couple of co-workers also brought up that poi...
by MisterBill
Mon Jul 10, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 3075

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

It is easy enough to price a comparable annuity and compare it to the lump sum offered. When I did this for my pension options the lump sum was not a good financial option. It's tough to compare because Immediate Annuities doesn't show a 50% spouse benefit (only 100%) and my pension doesn't show a ...
by MisterBill
Mon Jul 10, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 3075

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

You did not mention if the pension was COLA based or not. If not COLA based, the purchasing power of your pension will decline dramatically over a long retirement. Also, you may be able to use tax strategies to reduce taxes on the lump sum by taking it as income when your income is low, especially ...
by MisterBill
Mon Jul 10, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 3075

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

My experience with lump sums is that the company is trying to woo people who don't do the math so that they can reduce their pension expenses. A few thoughts: Do you have to start the pension right away? My husband's goes up the longer we wait just like SS. Will the lump sum increase your RMDS too ...
by MisterBill
Mon Jul 10, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 3075

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

You don't say whether the lump sum is coming out as funds that will be rolled over to an IRA or taken as taxable. If taxable, then definitely not. Even if pretax, I'd still say no, take the 100% survivor option. As I recently noted in another pension thread, we had a friend that took his pension wi...
by MisterBill
Mon Jul 10, 2017 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 3075

Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

I've been holding off creating a new thread because there are many others but none seem to be for my exact scenario and I need to make a decision. Sorry for the long post, but I figured the more info the better. I am retiring and have the option of a partial lump sum that would continue to pay me a ...