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Wysłany: Śro 7:20, 26 Sie 2015
Temat postu: bad credit loans tempe az
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Two other income-boosting strategies give couples a way to maximize their Social Security benefits. A recent paper by the Center for Retirement Research recommends that the spouse who is eligible for lower benefits collect them early, while the higher-earning spouse delays taking benefits until they are worth more. Then, when the primary breadwinner dies, the spouse with the lower benefit will "step up" to a much higher survivor benefit as the smaller retirement payment drops off.
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A fast and convenient option Boston University economics professor Laurence Kotlikoff says repaying and reapplying for Social Security benefits is a "fantastic option" for some people. But it can involve a lot of number-crunching to determine whether it's the right decision for you. Kotlikoff offers case studies on his Web site,
www.esplanner.com.
For $149, you can access his sophisticated financial-planning software, which lets you create your own comprehensive retirement plan, including an analysis of the pros and cons of a decision to pay back your Social Security.
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