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.

Leave A Comment, Written on January 10th, 2012 , Tennessee Sunshine Tags: ,

Seniors will get significantly bigger Social Security checks in 2012 and face only modest increases in Medicare premiums. Workers will also be eligible to defer taxes on more money in their 401k plans and get more disclosures about the fees and expenses they are paying. Here’s a look at how retirement benefits are set to change.

1. Bigger Social Security checks. Social Security recipients will get a boost in payments next year for the first time since 2009. Social Security checks will increase 3.6% in 2012, with the typical retiree receiving about $43 more per month.

2. Higher Social Security taxes. The maximum amount of earnings subject to Social Security tax will increase to $110,100 in 2012, up from $106,800 in 2011, and result in about 10 million workers paying higher Social Security taxes. Also, the temporary reduction in workers’ Social Security taxes from 6.2% to 4.2% of earnings in 2011 is scheduled to end this year under current law.
http://money.msn.com/retirement/11-retirement-changes-for-2012-usnews.aspx

Written on January 8th, 2012 , Tennessee Sunshine Tags: , ,

Alzheimer’s is now the 5th leading cause of death in the US

Every year more and more people are diagnosed with Alzheimer’s. A recent report in the 2009 Alzheimer’s Disease Facts and Figures, indicates that an estimated 5.1 million Americans over 65 now have Alzheimer’s.

According to the report health care costs for them and for people who have other forms of dementia are more than three times higher than costs for older Americans who are not afflicted.

Every 70 seconds, someone in the USA develops Alzheimer’s. The disease slowly erodes the brain and eventually the body and can drag out for years, placing financial burdens on families and the medical system, the report says.

The disease also can lead to serious emotional and physical stress on the caregivers of those afflicted with the disease, says William Klein, professor of neurobiology and physiology at Northwestern University’s Cognitive Neurology and Alzheimer’s Disease Center in Chicago.

“Because there is no solution right now to the disease, it causes real hardship on families, my family included,” Klein says. The report indicates that about 2.7 million people over age 85 have the disease, but by the time the first wave of Baby Boomers reaches 85 in 2031, an estimated 3.5 million people that age and up will have Alzheimer’s.
http://www.retiredbrains.com/Home/Health+Care/Memory+Loss+Alzheimer’s/default.aspx

Written on January 7th, 2012 , Tennessee Sunshine Tags: , ,

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