One down, nine to go

[WI_Hedgehog]

Hey SB, thank you for sharing. Just the other day I was thinking of how nice a fast splitter would be instead of an axe, but the danger involved...

Man, you...I don't know what to say. Stay strong, this will be behind you and you'll be another year down the road before you know it.

God bless.

 

[sb47]

I don't necessarily recommend it but you can collect a reduced SS benefit at 62. It will still be reduced at 65, just less. Your full retirement age is probably 67. Medicare will apply at 65.

Taking SS early severely reduces your benefits as you may well know. That will be may last option. I think you loose 6% for every year you take it early.
If I take it at 62 I'll only get $825 a month. But If I wait till 67 I'll get $2,214 a month. That almost 3 times more if I wait.

My property taxes on my land and house plus out buildings is valued at a little over 800,60 thousand. I wish someone would offer me that to buy my land. I'd sell in a hart beat.

 

[sb47]

Hey SB, thank you for sharing. Just the other day I was thinking of how nice a fast splitter would be instead of an axe, but the danger involved...

Man, you...I don't know what to say. Stay strong, this will be behind you and you'll be another year down the road before you know it.

God bless.

Thanks. I'm kinda sitting idle while I heal so sharing gives me something to do with my time. I can't really do much right now because I don't want to re injure it or get another infection. Getting an infection in the bone is very serious and can lead to very bad things. If my experience can help others think about staying safe then all the better. What I am going through may seem hard but I know people that have it way worse then I do. Just last night I was informed that a very close friend of mine just found out he has a brain tumor and will have to have it removed. Another good friend is a diabetic and had her lower leg amputated. My brother is on dialysis and has to go in every other day and sit for 6 hours while they filter his blood. I could give many more examples of people I know that have it way worse then I do. Loosing my finger is nothing compared to others. Yes it sucks but things can always be worse. Be safe and work safe. Power tools can mess you up in a blink of an eye.

 

[sundance]

Taking SS early severely reduces your benefits as you may well know. That will be may last option. I think you loose 6% for every year you take it early.
If I take it at 62 I'll only get $825 a month. But If I wait till 67 I'll get $2,214 a month. That almost 3 times more if I wait.

My property taxes on my land and house plus out buildings is valued at a little over 800,60 thousand. I wish someone would offer me that to buy my land. I'd sell in a hart beat.

From SSA:

In the case of early retirement, a benefit is reduced 5/9 of one percent for each month before normal retirement age, up to 36 months. If the number of months exceeds 36, then the benefit is further reduced 5/12 of one percent per month.


For example, if the number of reduction months is 60 (the maximum number for retirement at 62 when normal retirement age is 67), then the benefit is reduced by 30 percent. This maximum reduction is calculated as 36 months times 5/9 of 1 percent plus 24 months times 5/12 of 1 percent.

A 30% reduction from $2,214 would be about $1,550 not $825. Still substantial but also 5 more years of payments. Get good numbers and work through it.

 

[sb47]

From SSA:

In the case of early retirement, a benefit is reduced 5/9 of one percent for each month before normal retirement age, up to 36 months. If the number of months exceeds 36, then the benefit is further reduced 5/12 of one percent per month.


For example, if the number of reduction months is 60 (the maximum number for retirement at 62 when normal retirement age is 67), then the benefit is reduced by 30 percent. This maximum reduction is calculated as 36 months times 5/9 of 1 percent plus 24 months times 5/12 of 1 percent.

A 30% reduction from $2,214 would be about $1,550 not $825. Still substantial but also 5 more years of payments. Get good numbers and work through it.

Thanks. I got that information directly from my SS statement that they sent me showing all my earnings from when I first started working. I get that statement about every 10 years showing what I have earned and what my benefits will be. It was dated 2009. I couldn't find the one from 2019 so it is a 10 year old statement.

 

[sundance]

Thanks. I got that information directly from my SS statement that they sent me showing all my earnings from when I first started working. I get that statement about every 10 years showing what I have earned and what my benefits will be. It was dated 2009. I couldn't find the one from 2019 so it is a 10 year old statement.

Setup an online account. Up to date info that way.

 

[sb47]

Setup an online account. Up to date info that way.

Why? They already have all my info

 

[sb47]

What ever you do do not go to the obamacare web site. I did that yesterday and simply typed the first number of my zip and all the other fields already had all my info pre loaded. My phone has rang none stop ever since from insurance agency's calling every 5 min wanting to give me a quote. The lowest quote was 400 bucks a month. When they find out I can't afford it and I have pre existing issues they get rude and hang up. I keep telling them to remove my number and the phone keeps ringing. I have been waiting on a call from my Dr and I have to answer. I've said Fcuk you more times then a drunk sailor. They will hound you to no end. I went back and counted the number of calls and since just yesterday I have gotten 78 calls wanting to sell me insurance. Don't do it.

 

[sundance]

Why? They already have all my info

They may have your info.....but if you're looking at 2009 from them then you don't have all their info like current estimated payments at various ages. Sounds like info you should have to try to plan things.

 

[sb47]

They may have your info.....but if you're looking at 2009 from them then you don't have all their info like current estimated payments at various ages. Sounds like info you should have to try to plan things.

I have the 2019 statement somewhere, I just don't feel like looking for it.

 

[sb47]

Dew to having my finger amputated I've decided to sell my Larrivee' acoustic that I have had for 23 years. It's in absolutely mint condition.
Link to my CL add.
https://houston.craigslist.org/msg/...on-larrivee-accustic-6-string/7211340283.html
I have a beautiful Larrivee L19 Leaf & Flower Accustic 6 string guitar that I bought from Guitar Canter on 05-28-99. Guitar was built on 02-15-1996 ....SR# 19-18640... Guitar was builtin at 1896 Victoria Diversion Vancouver B.C. Canada VSN 2K4.
Guitar is in mint condition with all original parts. Larrivee precision tuners and has Brazilian rosewood back and sides and head stock. With Cedar top. Mother of pearl binding and beautiful mother of pearl inlays. Thistle, mother of pearl inlay on head stock and beautiful mother of pearl inlays on ebony fret board. Ebony bridge with hand fitted dovetail neck joints. Larrivee exclusive symmetrical bracing design. Guitar was hand made by Larrivee Luthiers. Comes with original Larrivee' hard shell case. I have all documentation that came with the guitar.
This a one owner guitar and was to be my last lifetime guitar, but dew to a tragic accident where I had to have a finger amputated on my left hand, I will no longer be able to play anymore. This guitar has a beautiful tone equal to any of the best Martin D45 guitars that cost 5 times the cost. It breaks my heart to have to let this guitar go. I had planned to keep it for a lifetime. No dents, scratches or blemishes of any kind. It is in mint condition in every way. Studio used only. Never giged with it. It's always been stored in a special cedar lined climate controlled environment.
I' need the money to help pay for my medical cost from having my finger amputated. Guitar is 24 years old and you will not find one in better condition. When I say mint condition, I mean it looks just as beautiful as the date I bought it. After 24 years the tone has only gotten better.
If interested please call Dennis at 713-725-2051 (NO TEXT PLEASE) and no low ball offers.
Thanks for looking and god bless.
Asking $2,700 and the only reason I would even think of selling is with only 3 fingers left on my left hand I just will not be able to play it anymore. I need to cover my huge medical cost from the amputation. 714-725-2052

 

[Woodanhor]

Dew to having my finger amputated I've decided to sell my Larrivee' acoustic that I have had for 23 years. It's in absolutely mint condition.
Link to my CL add.
https://houston.craigslist.org/msg/...on-larrivee-accustic-6-string/7211340283.html
I have a beautiful Larrivee L19 Leaf & Flower Accustic 6 string guitar that I bought from Guitar Canter on 05-28-99. Guitar was built on 02-15-1996 ....SR# 19-18640... Guitar was builtin at 1896 Victoria Diversion Vancouver B.C. Canada VSN 2K4.
Guitar is in mint condition with all original parts. Larrivee precision tuners and has Brazilian rosewood back and sides and head stock. With Cedar top. Mother of pearl binding and beautiful mother of pearl inlays. Thistle, mother of pearl inlay on head stock and beautiful mother of pearl inlays on ebony fret board. Ebony bridge with hand fitted dovetail neck joints. Larrivee exclusive symmetrical bracing design. Guitar was hand made by Larrivee Luthiers. Comes with original Larrivee' hard shell case. I have all documentation that came with the guitar.
This a one owner guitar and was to be my last lifetime guitar, but dew to a tragic accident where I had to have a finger amputated on my left hand, I will no longer be able to play anymore. This guitar has a beautiful tone equal to any of the best Martin D45 guitars that cost 5 times the cost. It breaks my heart to have to let this guitar go. I had planned to keep it for a lifetime. No dents, scratches or blemishes of any kind. It is in mint condition in every way. Studio used only. Never giged with it. It's always been stored in a special cedar lined climate controlled environment.
I' need the money to help pay for my medical cost from having my finger amputated. Guitar is 24 years old and you will not find one in better condition. When I say mint condition, I mean it looks just as beautiful as the date I bought it. After 24 years the tone has only gotten better.
If interested please call Dennis at 713-725-2051 (NO TEXT PLEASE) and no low ball offers.
Thanks for looking and god bless.
Asking $2,700 and the only reason I would even think of selling is with only 3 fingers left on my left hand I just will not be able to play it anymore. I need to cover my huge medical cost from the amputation. 714-725-2052View attachment 860403View attachment 860403View attachment 860404View attachment 860404View attachment 860405View attachment 860407

Beautiful guitar I know you need the money

I hope you heal well and if playing guitar is in your heart please dont give up playing if it helps your soul

 

[sb47]

Beautiful guitar I know you need the money

I hope you heal well and if playing guitar is in your heart please dont give up playing if it helps your soul

I have been ready to sell that guitar long before my accident and thats not why I put it up for sale. I'm keeping my Les Paul because thats what I like to play the most and I'm gonna wait till I heal up before I try to play again. Maybe because I lost the end of my finger I may get some sympathy and get a little more for it. I can use my situation as a marketing tool to get a better price. My Les Paul ain't going anywhere. I don't need a high end accustic. And if I decide to start back playing an accustic, I can sell my 2700 dollar Larrivee' and get a cheaper one. There are plenty of 500 dollar guitars that are good guitars. Electrics are much easier to play then an acoustic and I enjoy playing electric much better anyway. I'm gonna wait till I heal up good before I start trying again. I'm sure I can adapt. I have played on stage with ZZ top, Ted Nugent, 3 doors down, Kings X and many more and it was always with an electric. The loss of my finger really has nothing to do with wanting to get rid of that one. I have other guitars to play on. Expensive guitars don't always sound any better then a cheaper one. It's the exotic woods and that it's hand made and not a production guitar. I can sell my 2700 dollar high end guitar and buy one for 500 bucks and pocket the extra 2200 dollars.

 

[Woodanhor]

I have been ready to sell that guitar long before my accident and thats not why I put it up for sale. I'm keeping my Les Paul because thats what I like to play the most and I'm gonna wait till I heal up before I try to play again. Maybe because I lost the end of my finger I may get some sympathy and get a little more for it. I can use my situation as a marketing tool to get a better price. My Les Paul ain't going anywhere. I don't need a high end accustic. And if I decide to start back playing an accustic, I can sell my 2700 dollar Larrivee' and get a cheaper one. There are plenty of 500 dollar guitars that are good guitars. Electrics are much easier to play then an acoustic and I enjoy playing electric much better anyway. I'm gonna wait till I heal up good before I start trying again. I'm sure I can adapt. I have played on stage with ZZ top, Ted Nugent, 3 doors down, Kings X and many more and it was always with an electric. The loss of my finger really has nothing to do with wanting to get rid of that one. I have other guitars to play on. Expensive guitars don't always sound any better then a cheaper one. It's the exotic woods and that it's hand made and not a production guitar. I can sell my 2700 dollar high end guitar and buy one for 500 bucks and pocket the extra 2200 dollars.

Great to hear your still up for playing
I wish you well and heal up completely

 

[sundance]

I have the 2019 statement somewhere, I just don't feel like looking for it.

Obviously your choice. I think an on-line account makes sense for anyone. Making decisions from 10 year old data seems foolish. Assuming you're claiming your earnings things likely look different from 2009.

 

[sb47]

Obviously your choice. I think an on-line account makes sense for anyone. Making decisions from 10 year old data seems foolish. Assuming you're claiming your earnings things likely look different from 2009.

it was only an example.

 

[sundance]

it was only an example.

@sb47: I apologize. I thought you were offering a real situation and it appeared incorrect so I tried to offer some thoughts. Sorry for intruding.

 

[sb47]

Went to the doctor today for my follow up exam and he said everything is looking very good. Infection is gone and it's starting to heal nicely. He wants me to start working on mobility because after a week of it being immobilized it's a little stiff. It will still be a few weeks before it heals completely over.

 

[sb47]

Well I got back on the horse today. I finished up the batch of post oak I was working on when I crushed my finger and got set up to do some more tomorrow. Sure was hot today, but the main thing is getting back at it. I'm glad it's not cold, that would make it hurt a lot more.I'll live and adapt. I gotta start using that hand and get that finger to loosen up. It's still a bit stiff from being wrapped up for a week. This morning I couldn't bend it at all, but now in just a few hours of work I can bend it a little bit.I keep it covered when I'm working but the doc said I should let some air get to it to help it heal.

 

[KarlD]

How’s the finger doing?