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Old 06-27-2016, 11:23 AM  
DaFace DaFace is offline
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Investing megathread extravaganza
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Old 02-14-2020, 04:21 PM   #3391
Buehler445 Buehler445 is offline
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That's a really good way to look at it. I don't know much about SS, how does it affect the amount you get if you stop working at 62 and live off savings from 62 to 70 versus working until 70?
If you quit working at 62 you’re epically boned. I can’t remember the percentages but it’s prorated. It’s the same percentage lower for early as it is higher for late.

Big deal is you can’t take Medicare until 65 so you’re either buying health coverage on a prorated social security check or flying naked for 3 years.

Don’t do it. My recommendation is always work as long as you can and don’t take anything RMD Or SS until they make you.
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Old 02-14-2020, 04:27 PM   #3392
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If you quit working at 62 you’re epically boned. I can’t remember the percentages but it’s prorated. It’s the same percentage lower for early as it is higher for late.

Big deal is you can’t take Medicare until 65 so you’re either buying health coverage on a prorated social security check or flying naked for 3 years.

Don’t do it. My recommendation is always work as long as you can and don’t take anything RMD Or SS until they make you.
Well, I’m working 5 more years, and will be retiring at 58. Social security be damned
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Old 02-14-2020, 04:29 PM   #3393
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You worked at the Social Security Administration? Let me ask you a question I haven't figure out yet.

There's a maximum social security payment that a person can get. But does that maximum go up if you take a delayed payout? In other words, if I'm eligible for the maximum amount at age 67, is the amount still going to be higher if I wait until 70? Or is the cap always the cap?
I worked there for a little over 6 years. It has the most convoluted, obscure, ridiculously obtuse rules. The manual, called POMS, would take you a year to read every single entry, and they add or remove shit to a line or paragraph all the time. I'm much happier not working there. It didn't matter what you did, you never ever ever ever caught up on your work. If someone wants a challenging, never-ending mountain of thankless work, by all means work for SSA.

Delayed retirement is a separate beast itself. If I remember right, I think you can earn a MAXIMUM of 8% per year AFTER your FRA (Full Retirement Age). The benefits accrue each month after you reach FRA, and terminate at age 70. You can't earn anymore past 70. So, you can up your age 70 benefits. Again, this would be wise if you are making a decent living and working/have enough saved to wait.
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Old 02-14-2020, 04:30 PM   #3394
Buehler445 Buehler445 is offline
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Well, I’m working 5 more years, and will be retiring at 58. Social security be damned
Congrats man.

Hope it all goes well for you. I’m looking at retiring in...

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Approximately 95 years at age 131.
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Old 02-14-2020, 04:32 PM   #3395
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Congrats man.

Hope it all goes well for you. I’m looking at retiring in...

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Old 02-14-2020, 04:34 PM   #3396
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If you quit working at 62 you’re epically boned. I can’t remember the percentages but it’s prorated. It’s the same percentage lower for early as it is higher for late.

Big deal is you can’t take Medicare until 65 so you’re either buying health coverage on a prorated social security check or flying naked for 3 years.

Don’t do it. My recommendation is always work as long as you can and don’t take anything RMD Or SS until they make you.
This is true. Medicare does not come with SS benefits at 62. Again...if you are able to work past 62 and keep that insurance by all means, keep that job. If you are planning on living off of just SS benefits at age 62, you aren't going to make it that long. People were constantly dismayed at what their benefits are when they take early retirement at 62. It's just not enough, and it won't ever be.
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Old 02-14-2020, 06:58 PM   #3397
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Well, I’m working 5 more years, and will be retiring at 58. Social security be damned
Yeah, **** it! I retired at 54 according to the Social security but I have rental income to live on. I wonder how much I screwed myself not paying in since 54?

Guess I'll find out in about 7 years.
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Old 02-15-2020, 02:28 AM   #3398
Buehler445 Buehler445 is offline
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If anyone has an inclination to buy Bayer, I’d stick that one on hold.
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Old 02-24-2020, 06:54 AM   #3399
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Today is gonna be brutal.

Dow futures is down nearly 800 points.
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Old 02-24-2020, 07:30 AM   #3400
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Today is gonna be brutal.

Dow futures is down nearly 800 points.
Just another buying opportunity. Just stupid people panicking over a few Coronas. Inovia pharmaceuticals is working on a vaccine. Soon as its available the rally will resume.
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Old 02-24-2020, 07:36 AM   #3401
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Great money to be made right now. If these virus fears dwindle heading into spring, the market will rebound in a huge way...great buys out there if you do your research.
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Old 02-24-2020, 07:41 AM   #3402
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This is actually a 1/30/20 article

Inovio Pharma Shares Up 11% With Partnership for Coronavirus Vaccine
10:42 AM ET 1/30/20 | Dow Jones
Related Quotes


4:00 PM ET 2/21/20
Symbol Last % Chg
INO
3.74 0.00%
Quotes delayed at least 15 minutes



By Chris Wack

Inovio Pharmaceuticals Inc. (INO) shares rose 11% to $4.56 after the company said it is collaborating with Beijing Advaccine Biotechnology Co. to advance the development in China of INO-4800, Inovio's vaccine against the recently emerged strain of coronavirus.

Inovio recently said it is developing INO-4800 through Phase 1 human testing in the U.S. to evaluate safety and immunogenicity with the support of an initial grant up to $9 million from the Coalition for Epidemic Preparedness Innovations.

Inovio said it plans to rapidly develop INO-4800 against the new coronavirus, or 2019-nCoV, and has already started preclinical testing and preparations for clinical product manufacturing.
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Old 02-24-2020, 08:10 AM   #3403
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JNJ is also working on a vaccine. Should be a non issue soon.
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Old 02-24-2020, 08:37 AM   #3404
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If anyone has extra money laying around, now is the time
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Old 02-24-2020, 10:07 AM   #3405
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If anyone has extra money laying around, now is the time
I have a large sum of money coming in this week. It looks like a good time to buy, so will probably build up my portfolio with some dividend stocks. Most of the ones I have been watching are 5 to 15% cheaper in the last few weeks.

If Ford gets down to the $5.00 range- I might have to buy a couple of hundred shares and wait for the bounce.
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