Content starts here
CLOSE ×
Search
Tell us about yourself:
I'm analytical and good at working with numbers. Since retiring in 2015, I've become more interested with healthy eating and increasing physical activities. Although I've been gardening for 26 years, I've increased my gardens from 200 sf to 250 sf and committed to walking at least 3 miles/day (weather permitting). I've also ventured into making wine which is healthy as well.
Area of knowledge and what I know well:
Employee Benefits including retirement plans (defined contribution and defined benefit), health insurance (self funded and insured), and financial funding both organizational and individual.
Certificates/Awards
Bachelor of Science - Business Administration
05/1974

All Activity

TRL111, there is no return for delaying SS Benefits. One's SS Benefit is developed at FRA (ages 66 to 67) based on 35 Years of Covered Earnings, average life expectancy (ages 83 to 84 gender neutral), and an approximate 3% discount rate. The SSA info...
Tonster521 07-18-2026 07:18 PM
1
Reply
1
Kudo
213
Views
TRL1111, please see my reply to lcarpenter. I suggest that you review the SS Bulletin that I linked. It should be noted that the SS program uses the same formula for everyone. There are not multiple formulas for male and female, one having other reti...
Tonster521 07-16-2026 09:41 AM
0
Replies
1
Kudo
291
Views
lcarpenter79, your analysis is the correct approach for folks who have other financial assets such as IRAs, 401Ks, brokerage accounts, savings accounts, etc. I am providing a link to a SS Bulletin that addresses how one's  discount rate is an importa...
Tonster521 07-16-2026 09:29 AM
1
Reply
1
Kudo
291
Views
Gail1, thanks for posting the info. I have not read the entire Trustee Report with all of the assumptions. The summary was disappointing. It looks like depletion of the OASI in the 4th Quarter of 2032 which is 6 years from now. I thought it would be ...
Tonster521 06-16-2026 06:27 AM
0
Replies
1
Kudo
341
Views
AnnM126711, Gail has replied with outstanding info. I will try to add another approach that may be helpful. My suggestion is to reach out to your State's Health and Human Services (department/agency). Some State's may call this service the Department...
Tonster521 06-05-2026 06:04 AM
0
Replies
1
Kudo
666
Views
TRL111, there is no return for delaying SS Benefits. One's SS Benefit is developed at FRA (ages 66 to 67) based on 35 Years of Covered Earnings, average life expectancy (ages 83 to 84 gender neutral), and an approximate 3% discount rate. The SSA info...
Tonster521 07-18-2026 07:18 PM
1
Reply
1
Kudo
213
Views
TRL1111, please see my reply to lcarpenter. I suggest that you review the SS Bulletin that I linked. It should be noted that the SS program uses the same formula for everyone. There are not multiple formulas for male and female, one having other reti...
Tonster521 07-16-2026 09:41 AM
0
Replies
1
Kudo
291
Views
lcarpenter79, your analysis is the correct approach for folks who have other financial assets such as IRAs, 401Ks, brokerage accounts, savings accounts, etc. I am providing a link to a SS Bulletin that addresses how one's  discount rate is an importa...
Tonster521 07-16-2026 09:29 AM
1
Reply
1
Kudo
291
Views
Gail1, thanks for posting the info. I have not read the entire Trustee Report with all of the assumptions. The summary was disappointing. It looks like depletion of the OASI in the 4th Quarter of 2032 which is 6 years from now. I thought it would be ...
Tonster521 06-16-2026 06:27 AM
0
Replies
1
Kudo
341
Views
AnnM126711, Gail has replied with outstanding info. I will try to add another approach that may be helpful. My suggestion is to reach out to your State's Health and Human Services (department/agency). Some State's may call this service the Department...
Tonster521 06-05-2026 06:04 AM
0
Replies
1
Kudo
666
Views
TRL111, there is no return for delaying SS Benefits. One's SS Benefit is developed at FRA (ages 66 to 67) based on 35 Years of Covered Earnings, average life expectancy (ages 83 to 84 gender neutral), and an approximate 3% discount rate. The SSA info...
Tonster521 07-18-2026 07:18 PM
1
Reply
1
Kudo
213
Views
TRL1111, please see my reply to lcarpenter. I suggest that you review the SS Bulletin that I linked. It should be noted that the SS program uses the same formula for everyone. There are not multiple formulas for male and female, one having other reti...
Tonster521 07-16-2026 09:41 AM
0
Replies
1
Kudo
291
Views
lcarpenter79, your analysis is the correct approach for folks who have other financial assets such as IRAs, 401Ks, brokerage accounts, savings accounts, etc. I am providing a link to a SS Bulletin that addresses how one's  discount rate is an importa...
Tonster521 07-16-2026 09:29 AM
1
Reply
1
Kudo
291
Views
Gail1, thanks for posting the info. I have not read the entire Trustee Report with all of the assumptions. The summary was disappointing. It looks like depletion of the OASI in the 4th Quarter of 2032 which is 6 years from now. I thought it would be ...
Tonster521 06-16-2026 06:27 AM
0
Replies
1
Kudo
341
Views
AnnM126711, Gail has replied with outstanding info. I will try to add another approach that may be helpful. My suggestion is to reach out to your State's Health and Human Services (department/agency). Some State's may call this service the Department...
Tonster521 06-05-2026 06:04 AM
0
Replies
1
Kudo
666
Views
Latest Tags
No Tags Yet
Public Statistics
Date Registered ‎03-16-2016 04:09 PM
Last Visited ‎07-26-2026 05:15 PM
Total Messages Posted 361
Total Kudos Received 182
cancel
Showing results for 
Show  only  | Search instead for 
Did you mean: 
Users