Two biggest regrets of retirees

“Small amounts saved daily add up to huge investments in the end.” – Margo Vader The two biggest regrets of the majority of retirees are not saving enough and not starting to save early, according to the latest study by…

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Should we change how COLA is calculate?

Social Security recipients will receive their 2.8 percent COLA increase in January; however, with the annual inflation rate of 3 percent, seniors are struggling to keep up with rising prices.  Not only are seniors dissatisfied with the meager amount, but…

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Why only 8% wait until age 70

You can start receiving your Social Security retirement benefits as early as age 62. However, you are entitled to full benefits only when you reach your full retirement age. If you delay taking your benefits from your full retirement age…

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Western nations are addressing similar public pension challenges 

The good news is that more than 74 million Social Security recipients will receive a 2.8 percent cost-of-living adjustment starting in January 2026. However, the Bureau of Labor Statistics has just released the annual inflation rate at 3 percent, further…

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Demystifying Social Security Disability 

Much of the mystery about Social Security disability stems from a simple misunderstanding of what it is – an insurance program for working Americans who become disabled before their full Social Security (SS) retirement age. Just like any other insurance…

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“Ask Rusty – Consider the “Wearing Out” Factor While Deciding When to Claim Social Security”

Dear Rusty:  Enjoyed your recent article on claiming SS benefits. I feel, however, any decision making should also include what I call the “wearing out” factor.  Yes, financial need, health, and longevity are definite criteria for a decision. The inevitable…

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