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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

@gail1, This is a follow up to my previous reply which date stamped 11-17-25 10:21AM. At the end of that reply, I mentioned that I was planning on replying to your second reply to me date stamped 11-16-25 12:03PM because I believed I was running out ...
Tonster521 11-17-2025 06:29 PM
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Kudos
321
Views
@gail1, Richard provided pertinent info regarding his post and I replied based on the info he provided. I hope most readers will understand the time value of money concept. The SS program uses that concept to provide folks with options for selecting ...
Tonster521 11-17-2025 07:21 AM
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0
Kudos
385
Views
@RichardT153220, Thanks for your reply. In your initial post I was using a nine (9) month period (May through January) less the three (3) months that you received SS Benefits or six (6) months of Delayed Retirement Credits (DRCs). DRCs are communicat...
Tonster521 11-17-2025 06:48 AM
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Replies
0
Kudos
393
Views
@gail1, I asked Richard how he developed $200/month for 6 months of DRCs. It seems high for just 6 months. You are correct. He may be miscalculating. Or there is another factor. Anyway, electing $0.00 SS Benefits after attaining FRA takes a minimum o...
Tonster521 11-16-2025 04:33 AM
1
Reply
1
Kudo
529
Views
@RichardT153220, Are you thinking about receiving Delayed Retirement Credits (DRCs) for approximately 6 months? If so, how have you developed the amount of $200/month as the DRC?
Tonster521 11-16-2025 04:06 AM
0
Replies
0
Kudos
535
Views
@gail1, This is a follow up to my previous reply which date stamped 11-17-25 10:21AM. At the end of that reply, I mentioned that I was planning on replying to your second reply to me date stamped 11-16-25 12:03PM because I believed I was running out ...
Tonster521 11-17-2025 06:29 PM
0
Replies
0
Kudos
321
Views
@gail1, Richard provided pertinent info regarding his post and I replied based on the info he provided. I hope most readers will understand the time value of money concept. The SS program uses that concept to provide folks with options for selecting ...
Tonster521 11-17-2025 07:21 AM
0
Replies
0
Kudos
385
Views
@RichardT153220, Thanks for your reply. In your initial post I was using a nine (9) month period (May through January) less the three (3) months that you received SS Benefits or six (6) months of Delayed Retirement Credits (DRCs). DRCs are communicat...
Tonster521 11-17-2025 06:48 AM
0
Replies
0
Kudos
393
Views
@gail1, I asked Richard how he developed $200/month for 6 months of DRCs. It seems high for just 6 months. You are correct. He may be miscalculating. Or there is another factor. Anyway, electing $0.00 SS Benefits after attaining FRA takes a minimum o...
Tonster521 11-16-2025 04:33 AM
1
Reply
1
Kudo
529
Views
@RichardT153220, Are you thinking about receiving Delayed Retirement Credits (DRCs) for approximately 6 months? If so, how have you developed the amount of $200/month as the DRC?
Tonster521 11-16-2025 04:06 AM
0
Replies
0
Kudos
535
Views
@gail1, This is a follow up to my previous reply which date stamped 11-17-25 10:21AM. At the end of that reply, I mentioned that I was planning on replying to your second reply to me date stamped 11-16-25 12:03PM because I believed I was running out ...
Tonster521 11-17-2025 06:29 PM
0
Replies
0
Kudos
321
Views
@gail1, Richard provided pertinent info regarding his post and I replied based on the info he provided. I hope most readers will understand the time value of money concept. The SS program uses that concept to provide folks with options for selecting ...
Tonster521 11-17-2025 07:21 AM
0
Replies
0
Kudos
385
Views
@RichardT153220, Thanks for your reply. In your initial post I was using a nine (9) month period (May through January) less the three (3) months that you received SS Benefits or six (6) months of Delayed Retirement Credits (DRCs). DRCs are communicat...
Tonster521 11-17-2025 06:48 AM
0
Replies
0
Kudos
393
Views
@gail1, I asked Richard how he developed $200/month for 6 months of DRCs. It seems high for just 6 months. You are correct. He may be miscalculating. Or there is another factor. Anyway, electing $0.00 SS Benefits after attaining FRA takes a minimum o...
Tonster521 11-16-2025 04:33 AM
1
Reply
1
Kudo
529
Views
@RichardT153220, Are you thinking about receiving Delayed Retirement Credits (DRCs) for approximately 6 months? If so, how have you developed the amount of $200/month as the DRC?
Tonster521 11-16-2025 04:06 AM
0
Replies
0
Kudos
535
Views
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Date Registered ‎03-16-2016 04:09 PM
Last Visited ‎12-04-2025 10:26 AM
Total Messages Posted 580
Total Kudos Received 324
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