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Filing at Age 62…Not Always a Bad Decision
There are many reasons why deferring Social Security benefits beyond the earliest point can be beneficial for some folks, and most financial advisors make it a point to stress these benefits. Monthly benefits are increase, spousal benefits are favorably impacted,…
One Approach to Shoring-Up Retirement Finances
The need for a steady, dependable income stream in retirement is obvious, and for Social Security beneficiaries, the predictability of a monthly benefit check provides at least some degree of comfort in the financial planning process. But is it enough?…
Definition Time: “Protective Filing Date”
Social Security Disability Income (SSDI) or Supplemental Security Income (SSI) can be a complicated process, and are a few fundamentals one needs to have a good handle on early in the cycle. One of these fundamentals is an understanding of…
Staying on Top of Your Retirement Savings Regimen is a Key to Success
If you’re a methodical saver, and have been for some time, that’s a great thing. But there is a bit of a hazard to getting too stuck in a routine savings pattern says The Motley Fool’s Katie Brockman, who offers some…
Your Retirement Budget: Do You Have One?
The answer to that question, for way more than half of the 1000 participants in a Bankrate.com survey, is no. When asked to gauge how much they’d need to have accumulated in order to fund their retirement, the response “I don’t know” was…
You’ve Worked Hard for the Money — Now Protect It!
(Source: Social Security Administration) Most of us work hard to save and plan for our retirement. But there are people who work just as hard to take it away from us. Who are they? Phone scammers. While I was working…
Social Security: Understanding is Not Just for Seniors
Young folks need to know about Social Security, too, because like or not, they will come a day when they’ll need it. And one of the most important things younger workers can do is keep tabs on the information being…
Got 60 Seconds to Spare? Watch this Video to Maximum Your Social Security Benefits
MSN’s GOBankingRates website provides a quick revue of some fundamental tips that can help you get the most out of Social Security. The tips are basic, and you’ve probably heard them before, but the video is a decent primer or at…
Another Look at the Social Security’s Mythical Bankruptcy
The Motley Fool’s Sean Williams give us yet another look at the pervasive myth of Social Security’s “bankruptcy.” While he acknowledges that the impending exhaustion of the programs Trust Fund balance “is no laughing matter,” he goes on the explain…
Retirement Gap Widening
There appears to be a widening gap between the retirement ages for college graduates and the retirement ages for high school graduates, according to a study by Matt Rutledge reported on marketwatch.com. The reasons appear to be related to health issues, changes…