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Gambling with Social Security Published: Mon, May 21, 2012 I find it rather curious that baby boomers, many of whom, in their youth, decried the accumulation of wealth and the materialism of their parents, are the first generation in history to regard Social Security not as the safety net it was intended to be but rather as a pot of gravy to pour over their already meaty... Read More
Bureaucracy inaction Published: Mon, May 14, 2012 Q: I want to apply for Social Security benefits on my ex-husband's record. I called Social Security to ask how to do this. The lady on the phone told me they can't even talk to me until I have original copies of the marriage certificate and divorce papers. I have the divorce papers but don't have the marriage... Read More
Not all retirees get Social Security COLAs Published: Wed, May 9, 2012 Bill Martinez (Your Views, April 28) rebutted Midge Sullivan (Your Views, April 21) using Social Security as the criteria base. Some seniors who retired at age 55 aren't eligible for Social Security for several years. Many older seniors, me included, have retired from corporations or businesses and haven't gotten a... Read More
Reform 'yes' ... panic 'no' Published: Mon, May 7, 2012 I was all set to submit a column to my editor with reactions to the fact sheet I recently offered my readers called "When to Take Your Social Security Benefits." But then I woke up this morning to this headline in my morning paper: "Social Security Drain is Gaining Momentum." It was yet another news report... Read More
Social Security Q&A Updated: Fri, May 4, 2012 Special Social Security rules called “work incentives” can help recipients keep benefits and Medicare while they test their ability to work. Read More
Community classes offered on Medicare, Social Security and more Published: Sun, May 6, 2012 Francis Tuttle is offering half-day classes on Medicare and more May 16, July 18 and Aug. 22. Read More
How to track down financial assistance programs for seniors Published: Mon, Apr 30, 2012 Dear Savvy Senior: What resources can you recommend for locating government assistance programs for seniors? My husband and I have been helping support his mother for the past three years and we can’t afford to do it any longer. -- Tapped Out Dear Tapped: Locating government benefits and financial... Read More
Benefits for little ones cause big stink Published: Mon, Apr 30, 2012 Sometimes I am just blown away by the reaction I get to a column. I write what I think is the most innocuous and non-controversial answer to someone's question about Social Security benefits — and then, out of the blue, my email inbox is flooded with letters. Some of them have an inquisitive "this can't... Read More
When to take your Social Security -- a new fact sheet Published: Mon, Apr 23, 2012 Well, dear readers: do you want the good news ... or the bad news? Let me get the bad news out of the way first. I've been working on a new fact sheet for my readers (that's actually the good news -- but more about that in a minute); and as part of my research, I've discovered that I haven't been completely clear... Read More
More SSI clarification Published: Mon, Apr 16, 2012 Q: I read your article explaining that SSI is not a Social Security benefit and is not paid for out of Social Security taxes. But I'm still confused. What is the difference between Social Security disability and SSI disability? And how are they different from regular Social Security? A. I'm always puzzled when... Read More
The 'notch' won't go away Published: Mon, Apr 2, 2012 Q: You recently wrote a column in which you called the "notch" a hoax and a scam. I want you to know that you are wrong. At one time, there were millions of us who were cheated out of Social Security benefits that were rightfully ours. There aren't so many of us left, because the government is willing to let us... Read More
Agency checkup nothing to fear Published: Mon, Mar 26, 2012 Q: I am a certified public accountant. One of my clients, who signed up for his Social Security about a year ago, just got a letter from Social Security's "Office of Quality Assurance." The people there want to redo his claim for benefits. And they are asking him to bring in his military discharge papers (he was... Read More
This Florida doctor is a quack Published: Mon, Mar 19, 2012 Sometimes, I really feel as if I should just give up. In fact, if it were not for the encouraging emails I get from many of my readers telling me to "hang in there" and "keep up the good fight," I probably would have stopped addressing bogus emails that spread lies and misinformation about Social Security a long... Read More
SSI is not Social Security Published: Mon, Mar 12, 2012 Near the end of last year, around the holidays, I wrote a column that addressed what I called the 12 Myths of Social Security. It was supposed to be a takeoff on the "12 Days of Christmas" — get it? Anyway, earlier this year, I wrote another column addressing what I said was an even bigger misconception about... Read More
Business owner gets lucky Published: Mon, Mar 5, 2012 Q: My wife and I own a dry cleaning business. I am about to turn 62 and want to start my Social Security. So we plan to put the business in my wife's name. I will draw a small salary — about $14,000, just enough to stay under the Social Security earnings limit. The rest of the business income will go under my... Read More
What's best for Mom in a Mom-and-Pop business? Published: Mon, Feb 27, 2012 Q: My wife and I are in our 30s. We're partners in a business that nets us about $80,000 per year. What's the best way to report our income on our tax returns to maximize our Social Security benefits? A: Even though you're asking about your future Social Security benefits, I don't like giving tax advice because... Read More
Bleeding hearts and bootstraps Published: Mon, Feb 20, 2012 Q: I was surprised by the woman who wrote to you and said that people living on a small amount of Social Security were just lazy. Let me share my story to help this callous woman understand why people like me don't get very much from Social Security. Believe me, I am not lazy. I worked for quite a few years before... Read More
Don't base critical decisions on prophets of doom Published: Mon, Feb 13, 2012 Q: I'm about to turn 66. I want to put off starting my Social Security until age 70 because if I do, I'll get an extra $600 or so per month in a delayed retirement bonus added to by Social Security checks. But my husband said I should take my Social Security now because he doesn't think Social Security will even be... Read More
Geezers and floozies Published: Mon, Feb 6, 2012 Q: I'm part of a group of old geezers who gets together every week at the local coffee place. Social Security is a frequent topic of conversation. At our last meeting, the subject of benefits for divorcees came up. One of our geezers was married to his first wife for 16 years and to his second wife for 30 years.... Read More
Social Security's most misunderstood rule Published: Mon, Jan 30, 2012 Regular readers of my column know that over the years, I've dealt with many misunderstandings that people have about their Social Security benefits. In fact, I just wrote a column a couple of weeks ago that dealt with many of these misconceptions. But I can tell from the hundreds of emails I've received as a... Read More
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