Many of the rules for claiming Social Security change when you hit age 66

In 2012, the oldest baby boomers will turn 66, an important age for Social Security eligibility. At 66, boomers can claim the full amount of Social Security they have earned, and the penalty for working and claiming Social Security benefits at the same time disappears. Here are some retirement planning tips for those turning 66 next year.
http://money.usnews.com/money/retirement/articles/2011/12/12/tips-for-baby-boomers-reaching-retirement-age-in-2012

(CNN) — Whenever Felicia Hudson gets overwhelmed juggling a full-time job and caring for her ailing father, she finds solace in a piece of paper hanging in her office.

“Circumstances do not cause anger, nervousness, worry or depression … it is how we handle situations that allow these adverse moods,” it says. “We actually choose our own attitudes. I choose to be calm, well-adjusted and happy!”
She can’t remember where she found the motto, but focusing on it is one of several coping mechanisms Hudson has developed since she took her father out of a nursing home in July 2008 and moved him into her two-bedroom apartment in San Diego.

By then, Alvin Hudson had suffered three strokes and been diagnosed with diabetes, kidney failure and renal disease, requiring a long list of medication and dialysis three times a week.
It was only a matter of days before Hudson became overwhelmed, she says.
“It was like, ‘oh my, what did I get myself into?’” the 51-year-old Georgia native recalls. “Sometimes, I would just go into the bathroom and cry.”

She laughs about it now, but in the beginning, “it was horrible,” she says.

She’d go to her job at a manufacturing plant at 8 a.m., leaving at lunch three times a week to bring her father to a dialysis center. She’d return to work and stay late to make up the time, and then go back to the center to pick him up. Those were just the normal days. If he had an extra appointment with the dentist, podiatrist or general practitioner, she took the day off to shuttle him around and sit in waiting rooms.

“I put my life on hold,” she said. “I was trying to do it all.”

It’s a scenario familiar to many across the United States as adult children become caregivers for aging and chronically ill loved ones.
http://www.cnn.com/2012/01/16/living/caregiver-stress-report/index.html

Written on January 16th, 2012 , Tennessee Sunshine Tags: ,

You can apply
Online – use our Social Security Retirement Benefit Application.

By phone – call us at 1-800-772-1213. If you are deaf or hard of hearing, you can call us at TTY 1-800-325-0778.

In person – visit your local Social Security office. (Call first to make an appointment.)

If you do not live in the U.S. or one of its territories – contact the nearest U.S. Social Security office, U.S. Embassy or consulate, or the Veterans Affairs Regional Office (VARO) in the Philippines.

Reminders:

You must be at least 61 years and 9 months old to apply for retirement benefits.
You should apply for benefits no more than four months before the date you want your benefits to start.
If you are already age 62, you may be able to start your benefits in the month you apply.
If you are not getting Social Security and you are not ready to retire, you should still sign up for Medicare four months before your 65th birthday.
http://www.socialsecurity.gov/retire2/applying8.htm

(One of our Tennessee Sunshine members posted this in the forum, and I just wanted to share it here on my blog for anyone that didn’t see it. He does indeed write some good stories and has been quickly developing a following, while earning a little extra money. If you enjoy a good story, or just want to do a little writing yourself, I recommend you check out his link.)

It’s no secret that jobs with pension plans have all but disappeared unless you are in the military or other government job. And even a well funded 401k quits growing once you retire and stop contributing, leaving you with a finite amount of money. How long will it last? How long will you live? Which one runs out first? All tough questions.

It would be nice to have some supplemental income to stretch out those SSI checks. Something that isn’t strenuous, something you can do from home.

How about writing? You don’t need a degree or any experience. All you need is a little determination and your laptop.

You are more qualified than you realize. Surely there are topics you are knowledgeable on. Whether it be cooking, gardening, fishing, travelling or just eating in restaurants. There are people out there that would love to hear about it.

At Yahoo!Voices you can be a contributor on any topic you prefer, and get paid for your knowledge. Not much at first, but in time, as you build up your articles and a following, the dollars will start rolling in. There are members earning a few hundred dollars per month, which I would consider a nice little bonus when it comes time to start my Social Security.

I just joined in November and hopefully will be realizing some decent income by the time I plan to retire in seven years or so. I am a trucker and military veteran and that is what I write about, although in the form of fiction.

I invite you to visit my site and see for yourself if you think this may be right for you.

http://contributor.yahoo.com/user/1424345/richard_reese.html

Written on January 12th, 2012 , Tennessee Sunshine Tags: , ,

Book Description
Publication Date: July 3, 2010
In the ruins of a place once known as North America lies the nation of Panem, a shining Capitol surrounded by twelve outlying districts. Long ago the districts waged war on the Capitol and were defeated. As part of the surrender terms, each district agreed to send one boy and one girl to appear in an annual televised event called, “The Hunger Games,” a fight to the death on live TV. Sixteen-year-old Katniss Everdeen, who lives alone with her mother and younger sister, regards it as a death sentence when she is forced to represent her district in the Games. The terrain, rules, and level of audience participation may change but one thing is constant: kill or be killed.

Written on January 10th, 2012 , Tennessee Sunshine Tags: ,

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