Many people file for Social Security as soon as they stop working and/or become eligible for benefits. Full retirement age is 66 for most baby boomers and 67 for those born in 1960 or later, but Americans can claim early worker benefits starting at age 62.
The monthly benefit increases with claiming age by up to 8 percent a year, so filing early could cause you to lose out on thousands of dollars in benefits, especially if you enjoy a long life.
Consider this hypothetical example:
Paul could receive an annual benefit of about $15,400 if he files at age 62, $20,500 if he files at age 66 (full retirement age), or $27,100 if he waits until age 70.
American humorist and social commentator Will Rogers once observed that we in America have the best government money can buy. I think he was right, and so did the Supreme Court.
Reporter and author William Grieder makes much the same argument when he points out in "Who Will Tell the People" that the distinctions between politicians of differing stripes are not nearly as pronounced as we might think. According to Grieder, they all have two things in common: constituencies and customers.
Constituencies elect them and customers finance them. Both theorists (Rogers and Grieder) would also probably agree with Abraham Lincoln that you can fool some of the people all the time; and you can fool all of the people some of the time; but (thank God) you can't fool all of the people all of the time.
Romance should not be placed on the shelf until Valentine's Day. At times, relationships need spice and many are lost on where to begin the process. HiHeelz Concierge Service provides ideas and direction for those in need. Customers need only to bring their sweetheart and have the confidence to pull off the evening.
Part 2 of our look at the Business of Romance continues with the completion of our conversation with Dennette Smith-Ross, the founder and owner of HiHeelz Concierge Service.
Carlee McCullough: What is the greatest reward in running your own business?
Dennette Smith-Ross: I control my own destiny and work/life balance. I am doing what I am passionate about. I feel pride in building something of my own, but most of all I connect with my clients.
(BlackNews.com) – As the economy rebounds, many companies across the country are hiring new employees. In fact, the unemployment rate continues to drop, and even for minorities the numbers are getting better. Hundreds of companies even have aggressive diversity recruiting programs for jobs and internships. This means that they are specifically looking to hire African Americans, Hispanics, Asian Americans, Native Americans, and women.
FindInternships.com, an online directory of jobs and internships, has compiled a list of the top 10 companies looking to hire minorities in 2014. Here they are:
There are many excuses for why the sizzle has dwindled in a relationship, such as:
"I'm too busy working and I'm tired!"
"We have kids now!"
"I have gained too much weight to be sexy!"
"We have been married for 20 years, they know how I feel!"
"I gave them some money to go shopping!"
No matter the excuse, the solution is Dennette Smith-Ross of HiHeelz Concierge Service.
(BlackNews.com) – Contrary to popular belief, real business grants do exist. In fact, hundreds of black and minority-owned businesses each year receive such grant funding from various government agencies and non-profit organizations. Such funds do not have to be repaid, but must be used to either start a new business or enhance an existing one. Others can be used for innovation research.
Here are the top small and minority business grant programs available:
#1 - The FedEx Small Business Grant Contest is a nationwide competition that will award $50,000 in total to six deserving U.S-based entrepreneurs and business owners. Learn more at www.businessgrants.org/opportunities/fedex_small_business_grant_contest.html
What do you do with a car or van that is old, paid for and does not work? One option is to call the self-proclaimed No. 1 junkman in the South, Patrick Boone. A fireman, Boone has carved out his own slice of the cash-for-cars niche. In this economy the business model could not have been more timely and he has it down to a science. Ready to jump into action with the receipt of a phone call, Boone has groomed a talented team that is responsive and eager to trade cash for vehicles.