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Social Security Reform: What’s Holding Up Progress?

By now, most folks following Social Security’s steadily unraveling financial picture are aware that draconian measures are projected in less than a decade if steps aren’t taken to bring the program’s structure in line with 21st-century economics. After all, the…

Retirement planning is not the government’s job–Dave Ramsey

American radio personality Dave Ramsey, in a post on nasdaq.com, presented three common myths that can influence those looking ahead to the financial side of retirement planning. Beginning with the belief that Social Security alone will allow for a comfortable…

“You Earned It, You Keep It Act” would add 30 years to Social Security solvency–FA

In a post today by Tracey Longo on fa-mag.com, the results of Rep. Angie Craig’s (D-MN-2) bill titled the “You Earned It, You Keep It Act” were suggested to push the projected insolvency date for Social Security’s trust funds out…

Marital Status and Its Affect on Your Social Security Benefits

For those beginning to explore the Social Security benefits that will be available when they elect to claim, the issue of marital status becomes a pretty important factor. For example, benefits for a spouse may be available if the spouse’s…

“Influential Money Expert” Advocates Claiming Benefits at Age 62

Many of the posts we shared on this website through the years deal with the persistent question of which age is the best for claiming benefits. Most analyses focus on the simple math, and that says the longer you defer…

Survey Says: 79% of Americans Agree that a Retirement is At Hand

The National Institute on Retirement Security (NIRS) recently released the results of a survey of working age Americans conducted late last year, revealing that 79% of the more than 1200 respondents aged 25 and older agree with the Chair of…

Here we go again…Government shutdown on the horizon. What about Social Security?

The March 1 deadline for funding legislation would mean a partial shutdown, as explained in a post on the gibsondunn.com website. Following the “laddered” continuing resolution enacted in January, the partial shutdown would affect a limited number of agencies and,…

Approaching Social Security and still confused? You’re not alone!

A recent online quiz offered by MassMutual produced yet another dismal view of how much–or how little–folks aging into Social Security eligibility understand about the basics of this massive program. To be fair, it is not only massive and it…

Understanding Retirement Age and Its Implications for Your Social Security Benefit

Deciding when to claim Social Security benefits is an individual issue, and it depends on some key factors. What’s the best age for one claimant may not be the best age for others, so a complete complement of conditions, like…

Exploring a Myth: Social Security’s COLA is Guaranteed

Let’s start with some background…each year’s cost of living adjustment (COLA) results from comparing the third quarter average Consumer Price Index each year to the same average from the preceding year. The result of dividing the current year’s average by…

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