Almost Perfect (Fools Gold, Book 2)

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For some folks that might mean claiming early, while for others a later claim could wind up being prudent. So, when should you aim to take benefits from Social Security? Keeping in mind that there's no concrete or perfect guidelines, here are five reasons age 67 i. A second no-brainer reason to wait until age 67 to begin taking your Social Security payout is that you may ensure the financial well-being of your spouse in doing so -- especially if you're the household breadwinner. In addition to providing retired worker benefits, Social Security also provides long-term disability and survivor's insurance protection.

The latter comes into play when a spouse passes away, leaving behind a surviving spouse or young children. If a surviving spouse is of eligible claiming age, that person will have the opportunity to take a survivor benefit based on the deceased spouse's earnings history, or his or her own retired worker benefit -- whichever is higher.

The point is, the deceased spouse's initial claiming age can determine just how large of a payout the surviving spouse can receive.

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By waiting until your full retirement age, you're ensuring that your spouse has the opportunity, should the spouse choose, to maximize his or her monthly survivor payout. Maybe one of the best reasons to wait until age 67 to file for your Social Security benefit is that you won't have to deal with the dreaded retirement earnings test.

The retirement earnings test allows the SSA to withhold some, or all, of your benefits based on your annual earnings. The catch is that it's only applicable to beneficiaries who haven't yet reached their full retirement age i. Once you've reached your full retirement age, even if you wound up claiming prior to it, the retirement earnings test no longer applies. And it's worth pointing out that you do get withheld benefits back in the form of a higher monthly payout, once you reach your full retirement age.

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This is applicable to those folks who won't reach their full retirement age this year. Plain and simple, waiting until age 67 avoids this mess entirely , thereby allowing you to continue working or earn side income without the possibility of withheld benefits. A fourth no-brainer reason to consider waiting until age 67 to take your benefit is that it might encourage you to stay in the workforce a little longer.

When you're younger, you're unlikely to have the combination of skills and experience that businesses are looking for, leading to lower annual earnings. However, over many decades in the labor force, you'll accrue skills and knowledge that companies should find valuable, resulting in a higher wage or salary. This means that if you were to wait until age 67 to file for Social Security benefits, you'd probably be able to replace lower-earning totals in your teens or twenties with higher-earning years. Remember, the SSA is going to take your 35 highest-earning, inflation-adjusted years into account when calculating your Social Security benefit.

Questions tumbled through her brain. Questions about her brother and why he'd returned to Fool's Gold after being gone so long. Why he was in prison and what on earth was she supposed to do with two nieces she'd never met?

Almost Perfect

She glanced at her watch. It was barely eleven. As it was Tyler's last day before summer vacation, he was getting out at twelve-thirty. If she got the car packed in time, they could leave directly from his school and be in Fool's Gold in about four hours. They should take a credit card for payment. Do the same with the other utilities. I'll call the girls and let them know I'm coming. I haven't seen my brother since I was their age, but I can't let them stay there alone. Her next book wouldn't be published until the fall, so she didn't have to worry about publicity and book tours.

She could work on her new story anywhere she had her laptop. At least that was the theory. Most people would hesitate.

You don't even know these girls. But what choice did she have? I have to do something. But not always smart. Her mother hadn't bothered. I can handle things here. I'mgoing to pack and then get Tyler. We'll drive to Fool's Gold today.

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Okay, I'll call the girls. She dialed the familiar number, then let it ring eight times before hanging up. No answer.

Of course, it was a weekday. The girls were probably still in school. She would try again later, from her cell. She had to pack for herself and her son, phone a few friends and let them know she would be gone for a couple weeks, e-mail her editor and agent to tell them the same. Logistics, she thought as she collected the notes she'd made on her current novel.

She was good at logistics. The ability to plan and deal with problems was part of the reason she enjoyed writing her detective mystery series.

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She'd always been good at the work. It was the rest of life that caused her to stumble time after time. After collecting her notes, a few pens, pads of paper and her address book, she went down the hall to her bedroom. A little over an hour later, she'd packed what she hoped was enough, loaded the car and gone over everything with Peggy.

Her assistant would take care of the house and make sure the bills were paid. This is a lot to take in.

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I'll deal with that when I have more information. Back when I thought marriage was a good thing. I didn't know you were from there. She found life easier when she didn't talk about her past. San Francisco is my home now.

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She'd packed four suitcases, a couple boxes with Tyler's favorite movies, his Xbox and a handful of books. She went over the inventory because that was easier than thinking about what she was doing. Going back to the one place she never wanted to be. The town where she'd grown up. For a second she wondered if she really had to do this. Go rescue a couple kids she'd never met. Then she shook off the thought.

Right now there wasn't anyone else. She couldn't leave the two girls on their own.