The Seventy one Laws of Money

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  1. BOLLYWOOD PIANO SHEET MUSIC- Pehala Nasha, Film : Jo Jita Wo Sikkander;
  2. Column: 12 secrets to maximizing your Social Security benefits under the new rules | PBS NewsHour.
  3. Spinning Pearls.

Then I remind myself that we are defined by how we think, feel and act. Not by what others project onto us. And I feel great. Yes, I am older, but all that means is that I have had the good grace to transition from young and fabulous to older and fabulous. I was passionate about helping people take control of their financial lives. Suddenly not being in a full-time working mode was going to be an interesting new life stage.

I have more time for family and friends. I have more time for a passion I discovered in my 60s — fishing! I have more time to just be. I continue to feed my passion to help people, but I do this on a reduced work schedule.

Follow these guidelines to help ensure that the forecast for your future is a sunny one

But for me, I feel like I have found a tremendous balance in my life. That said, I am not in denial. I know that 70 is not 35 or 45 or even My father was 71 when he died. Does his filing status affect this? You will be grandfathered provided your ex does not file and suspend. I am 64 and divorced the marriage lasted more than 10 years. My ex turned 68 in February.

Then I read some language that made it sound as divorced spouses who are 62 before may still have this option. With the new law that was signed on Nov. I spent years going to the doctors, different stages, hospitals, medications and feeding tube. I cleaned and washed him, and he was in diapers for 10 years. The doctors at NYU all knew the care I was giving my partner. I contacted Social Security, but I could not collect on his record, because New York is not a common law state. Accordingly, my husband, who will turn 66 in August , was planning to file and suspend until he turns Then when I turn 66 in February of , I would have collected spousal benefit.

Now with the sudden new rules, he will optimally wait until he is 70 to file and collect. Or will this interfere with spousal later? You may want to take your own retirement benefit at full retirement age before getting your spousal benefit. I have read your book on Social Security and have a question. She has been collecting Social Security Disability since. I am 64, like you, and will turn 66 in March I will turn 65 in the six month window described in your writing. That will screw you big time. There are intermediate strategies that may be even better.

Only extremely accurate commercial software can pick out the best strategy. I sent you the New York Times article I mentioned in my last email. Well, I reached 62 in February of And what does that involve?


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  • Social Security Benefits Claiming Strategy Is Changing | Money.
  • Column: 12 secrets to maximizing your Social Security benefits under the new rules | PBS NewsHour;
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  • Thank you in advance for any help you might give me. I realize you must receive scads of emails. Watch Dec 16 Marshall Islands: A third of the nation has left for the US. Read Dec 17 AP fact check: Read Dec 16 Giuliani: Read Dec 11 Your gym mats may be breeding antibiotic-resistant germs.

    Social Security Benefits Claiming Strategy Is Changing | Money

    Arts Poetry Now Read This. World Agents for Change. About Feedback Funders Support Jobs. What do you think? Taking the excess spousal benefit the difference between your full spousal benefit and your own retirement benefit early before full retirement age will permanently reduce it.

    The new law has made maximizing your Social Security via the correct collection strategies even more complex for many couples. For example, you may have filed for your retirement benefit last year, say, at age 62 to activate a child benefit for your disabled child and a child-in-care spousal benefit for your spouse who is caring for your child. But Congress and the President just took that option away. When you reach full retirement age, if you suspend, both the child and child-in-care spousal benefit will stop until you restart your retirement benefit.

    Consequently, the advantage of this start-stop-start strategy has been greatly reduced. Still, it may be best to forego those auxiliary benefits for four years in order to have a permanently higher retirement benefit and when you die, provide a permanently higher widow er benefit , starting at This makes suspending your benefit in order to raise it by restarting it at 70 a riskier option. If you are widowed, nothing has changed with respect to your options to maximize your lifetime Social Security benefits.

    Your best strategy will be to either a take your widows benefit at 60 or 50 if you are collecting disability and start your own retirement benefit at 70 or, if widowed, at full retirement age, but you can then suspend it until 70 or b take your retirement benefit at 62 and take your widow er benefit at full retirement age or earlier in the case your deceased spouse took their own retirement benefit early.

    On the other hand, if your spouse turns 62 by or on Jan.

    Suze Orman's New Rules of Retirement

    That is, they too are grandfathered. If you are disabled and were expecting to collect excess spousal benefits from your spouse during years that their retirement benefit is in suspension, you can kiss those benefits goodbye unless your spouse was born on or before May 1, and files and suspends. If you and your spouse were born before or on Jan. The option involves getting divorced two years before you reach full retirement age.

    Based on your book, my plan had been to take divorcee spousal benefits at age 66 and then my retirement at age I am 62 born in September , was married for 11 years and have been divorced for My ex-husband is not vindictive and is still working at age I expect he will retire in one to two years.

    Column: 12 secrets to maximizing your Social Security benefits under the new rules

    Does the new law mean I cannot take divorcee spousal benefits at 66? Does his filing status affect this? You will be grandfathered provided your ex does not file and suspend.

    What do you think? Leave a respectful comment.

    I am 64 and divorced the marriage lasted more than 10 years. My ex turned 68 in February. Then I read some language that made it sound as divorced spouses who are 62 before may still have this option. With the new law that was signed on Nov. I spent years going to the doctors, different stages, hospitals, medications and feeding tube. I cleaned and washed him, and he was in diapers for 10 years. The doctors at NYU all knew the care I was giving my partner.

    I contacted Social Security, but I could not collect on his record, because New York is not a common law state. Accordingly, my husband, who will turn 66 in August , was planning to file and suspend until he turns Then when I turn 66 in February of , I would have collected spousal benefit. Now with the sudden new rules, he will optimally wait until he is 70 to file and collect.

    Or will this interfere with spousal later? You may want to take your own retirement benefit at full retirement age before getting your spousal benefit. I have read your book on Social Security and have a question.