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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

IconoClast, although you state it matters little what the amount your gross or adjusted income was, it should be abundantly clear that federal income taxes are paid on taxable income. The greater one's taxable income, the greater the taxes. It is a p...
Tonster521 05-08-2026 05:07 AM
0
Replies
0
Kudos
263
Views
IconClast, it appears you do not understand the value of the Enhanced Deduction for Seniors which is $6,000/$12,000 Single/Married Filing Jointly. It is estimated that approximately 80% or more folks age 65 and older will not pay any federal income t...
Tonster521 04-26-2026 02:47 AM
1
Reply
1
Kudo
642
Views
IconClast, tax rates have decreased since 2018. Also, the Standard deduction and tax brackets are adjusted each year for inflation. Has your taxable income increased?
Tonster521 04-26-2026 02:24 AM
0
Replies
1
Kudo
660
Views
ps6004, it appears you are trying to determine the optimal claiming age for SS Benefits. It is more complex than just trying to obtain the highest monthly amount. FYI, your SS Benefit is developed at your Full Retirement Age (FRA) or age 67. That amo...
Tonster521 03-13-2026 04:22 AM
0
Replies
2
Kudos
977
Views
@SummerOnTheWay1 , Thanks for your positive replies. The subject, when to start SS Benefits, is probably the most discussed subject regarding SS Benefits. I hope you get a laugh when I tell you this story. I have been retired 11 years. I continue to ...
Tonster521 03-07-2026 05:22 AM
0
Replies
1
Kudo
1337
Views
IconoClast, although you state it matters little what the amount your gross or adjusted income was, it should be abundantly clear that federal income taxes are paid on taxable income. The greater one's taxable income, the greater the taxes. It is a p...
Tonster521 05-08-2026 05:07 AM
0
Replies
0
Kudos
263
Views
IconClast, it appears you do not understand the value of the Enhanced Deduction for Seniors which is $6,000/$12,000 Single/Married Filing Jointly. It is estimated that approximately 80% or more folks age 65 and older will not pay any federal income t...
Tonster521 04-26-2026 02:47 AM
1
Reply
1
Kudo
642
Views
IconClast, tax rates have decreased since 2018. Also, the Standard deduction and tax brackets are adjusted each year for inflation. Has your taxable income increased?
Tonster521 04-26-2026 02:24 AM
0
Replies
1
Kudo
660
Views
ps6004, it appears you are trying to determine the optimal claiming age for SS Benefits. It is more complex than just trying to obtain the highest monthly amount. FYI, your SS Benefit is developed at your Full Retirement Age (FRA) or age 67. That amo...
Tonster521 03-13-2026 04:22 AM
0
Replies
2
Kudos
977
Views
@SummerOnTheWay1 , Thanks for your positive replies. The subject, when to start SS Benefits, is probably the most discussed subject regarding SS Benefits. I hope you get a laugh when I tell you this story. I have been retired 11 years. I continue to ...
Tonster521 03-07-2026 05:22 AM
0
Replies
1
Kudo
1337
Views
IconoClast, although you state it matters little what the amount your gross or adjusted income was, it should be abundantly clear that federal income taxes are paid on taxable income. The greater one's taxable income, the greater the taxes. It is a p...
Tonster521 05-08-2026 05:07 AM
0
Replies
0
Kudos
263
Views
IconClast, it appears you do not understand the value of the Enhanced Deduction for Seniors which is $6,000/$12,000 Single/Married Filing Jointly. It is estimated that approximately 80% or more folks age 65 and older will not pay any federal income t...
Tonster521 04-26-2026 02:47 AM
1
Reply
1
Kudo
642
Views
IconClast, tax rates have decreased since 2018. Also, the Standard deduction and tax brackets are adjusted each year for inflation. Has your taxable income increased?
Tonster521 04-26-2026 02:24 AM
0
Replies
1
Kudo
660
Views
ps6004, it appears you are trying to determine the optimal claiming age for SS Benefits. It is more complex than just trying to obtain the highest monthly amount. FYI, your SS Benefit is developed at your Full Retirement Age (FRA) or age 67. That amo...
Tonster521 03-13-2026 04:22 AM
0
Replies
2
Kudos
977
Views
@SummerOnTheWay1 , Thanks for your positive replies. The subject, when to start SS Benefits, is probably the most discussed subject regarding SS Benefits. I hope you get a laugh when I tell you this story. I have been retired 11 years. I continue to ...
Tonster521 03-07-2026 05:22 AM
0
Replies
1
Kudo
1337
Views
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Public Statistics
Date Registered ‎03-16-2016 04:09 PM
Last Visited ‎05-13-2026 11:20 AM
Total Messages Posted 356
Total Kudos Received 177
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