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Offsetting A Lower Social Security Benefit with Passive Income
“Retiring early” is probably on almost everyone’s radar screen while they are working hard in their chosen field. But unfortunately for most people, it’s only a dream because the realities of life conspire to make it difficult to accept a smaller Social…
Workplace Issues With An “Invisible Disability”
Some people have disabilities which are largely invisible, and they’re often met with a reaction like “You don’t look sick.” But harboring an “invisible disability” can be especially difficult in the workplace environment, because you may need to ask for special accommodations…
Social Security Changes in 2021
It’s that time of the year again, when Social Security publishes its new guidelines for the forthcoming year. Most beneficiaries know that a Cost of Living Adjustment (COLA) occurs each year, but there are also some other changes which can…
Scam Alert: Social Security Won’t Suspend Your Account
We warn you regularly at this website about Social Security scams, but it bears repeating often, as emphasized by a scam call I received just a few days ago. The caller represented himself to be from the Social Security Administration, advising…
An Interesting Concept: A “flat” Social Security benefit
The topic of Social Security reform is widely discussed these days because Social Security’s Trustees have been warning for decades that the program’s reserve assets will be depleted in the mid-2030’s, and because the economic effects of the coronavirus pandemic…
The Retirement Conundrum – Should You Keep Working?
“Early retirement” is probably a pleasant notion in the dreams of most American workers, but achieving it in the true sense of the words may not be so easy. Reality is that most Americans rely on Social Security for at…
2020 “Open Enrollment” is Ending Soon – Do You Need a Checkup?
There are only a few days left in this year’s so-called “Medicare open enrollment” which, technically, is actually named the “Annual Election Period.” But regardless of what you call it, this period -which runs between October 15th and December 7th of…
Simple Mistakes That Could Slash Your Social Security
It’s a fact that a majority of American seniors rely on Social Security for a major portion of their retirement income. Thus, if makes a lot of sense to try to make your Social Security payment the most it can be, considering…
Don’t Let Medicare Torpedo Your Retirement
To paraphrase Robert Burns, “the best laid plans often go awry,” and that can be especially true when it comes to retirement planning. While it’s very important to consider your Social Security benefits in the context of your overall retirement…
Should You Wait Until 70 to Claim Social Security?
A majority of those considering Social Security are aware that waiting until age 70 to claim will yield the highest possible benefit amount. But the interesting reality is that only a small percentage of people actually wait until age 70…