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delaying-social-security-benefits-retirement-planning/?A Siting from a 2024 Journal of Financial Planning article, Smith and Smith conclude: Our calculations do not support the presumption that the vast majority of people who choose to start their Social Security retirement benefits before age 70 are making a mistake. For example, … with a 4 percent real return, a person has to live to 89 for it to be beneficial to delay the start of benefits from age 67 to 70. However, 77 percent of 67-year-old males die before 89 as do 65 percent of 67-year-old females. Age 70 is not the most financially rewarding age to initiate benefits unless an individual has a low discount rate and/or is confident they will live several years past their life expectancy.
From the Author of the linked article at Kitces' website: Ultimately, the key point is that we need to move beyond simply thinking in terms of portfolio risk when assessing Social Security claiming analysis discount rates. Ideally, we should be thinking more in terms of utility and factoring in all risks, which changes the calculus significantly.
I prefer share prices that are not very high, so that any purchase or sale is accurate to within a penny. Suppose I want to buy $1.01 of a fund. If the share price is $100.00, I will wind up with 0.010 shares (0.0101 shares rounded to three decimal places) worth just $1.00. I've lost a penny. But if the share price is $10, then I will wind up with 0.101 shares, worth exactly $1.01. A penny saved is a penny earned.Why is Dodge & Cox conducting a share split?
New mutual funds generally launch with an initial NAV of $10.00 per share. Given their earlier inception dates and asset classes, the NAVs of the Balanced Fund, International Stock Fund, and Stock Fund have grown considerably. We believe the share splits will better align these Funds’ NAVs with the other Dodge & Cox Funds’ NAVs.
SSDs can fail over time after numerous read/write operations.I always used HDD.
Several years ago I changed everything to SSD other than my 1TB HDD for backups.
My laptop recently started spewing SSD messages that it may be failing.
I never knew SSD has limited use, apparently there are only so many read/write operations
SSD can do before wearing out.
I know HDD can fail but I've never had one fail in 30+ years.
SSD's don't last forever , who knew!
Yeah. For routine/casual use, SSDs are great ... but if you really pound them they will fail quicker simply by nature of the electronic way they read/write/store things. So for long term storage, backups, or archives, HDDs ('spinners') are best. Sure, they can fail too, but at least you stand a better chance of recovering data from a classic drive than a SSD.I always used HDD. Several years ago I changed everything to SSD other than my 1TB HDD for backups. My laptop recently started spewing SSD messages that it may be failing. I never knew SSD has limited use, apparently there are only so many read/write operations SSD can do before wearing out. I know HDD can fail but I've never had one fail in 30+ years. SSD's don't last forever , who knew!
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