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Strategies & Market Trends : Dividend investing for retirement -- Ignore unavailable to you. Want to Upgrade?

To: Steve Felix who wrote (23847)	11/3/2015 8:07:27 AM
From: Ditchdigger	Read Replies (3) \| Respond to of 34328

Putting KMI on my watch list today(yield near 7.5%), I know it is a favorite here. Am I correct that they lowered next year's divy growth projection in the last cc call? The chart shows it is currently trading near long term support(@26) going back to mid 2012. I'm in no hurry, missed the x-divy date. I think I agree with your earlier comments regarding starting at a higher yield and compounding vs yield growth

To: Steve Felix who wrote (23847)	11/3/2015 3:45:26 PM
From: TigerPaw	Respond to of 34328

we get a private subsidy (until eligible for Medicare) as part of a retirement plan. My daughter however got a subsidy while she was unemployed which went away when she got a job. I think they look at W4 filings. It's my understanding that there was a large pent-up demand by people who had not seen a doctor since they left high school, This affected the cheapest plans. Our drug and well visit plan has sort of a reverse-deductable. The insurance pays the first $1000 each year and we pay full price after that threshold is reached . That usually takes about 3 months. I've switched to a lot of generic drugs and a compounding pharmacy but they keep my vitals in spec.

To: Steve Felix who wrote (23847)	11/16/2015 1:58:54 PM
From: JimisJim	1 Recommendation Recommended By geoffrey Wren Read Replies (2) \| Respond to of 34328

Speeeeeeeeakking of SS... just got an email from maximizemysocialsecurity that they'd updated their software to reflect the changes in SS (mostly file and suspend rules for people like me born after 1/1/54)... so I logged in and re-ran my numbers.... WOW! The changes they made are going to decrease our lifetime benefits by roughly $150,000 over 25-28 yrs (assuming I live that long)... and it basically eliminates any tangible benefit for me to wait until 66 or later to file -- the difference over 25 yrs., between me filing at 62 vs. their "maximized" strategy -- to wait until 65 now -- is only $15,000 total over that 25 yr. period... Prior to these changes, they had recommended I file at 65, collect for a year (with my wife starting spousal benefits that same year), and then I would suspend collecting until age 70... $150,000 dollar difference over 25 years... I can understand wanting to close that sort of loophole, but at my age, this is a rather significant change in future income with very little warning -- I turn 62 next year... I'm sure it will add years to SS solvency... another, effective way to do that seems to be toxic: eliminating the max amount of income subject to SS... I'd never even known there was a cap on earnings subject to SS taxes until I maxed out in the late 1980s -- the cap has gone up with inflation, but it is still only $118,000/yr... eliminate that cap and SS would probably stay solvent for many decades. I am truly upset... not by the changes in file and suspend, per se, but by the relative lack of warning -- not much I can do at this point to make up for the decreased income... I've been planning my retirement income strategy for at least 30 years and now, as I am almost ready to "retire" and collect SS, they cut my monthly income from SS 13%... that basically throws my entire retirement "budget" out the window. (normally, I'd post a /rant here, but I have a feeling I'm not done ranting yet)