The people's voice of reason
The people's voice of reason
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One of the greatest gifts you can give a grandchild is the gift of financial literacy. Helping them save money early in life and showing them how to make wise spending decisions goes a long way toward a bright financial future. As they get older, they may want to save for special purchases or their college education. You can encourage them when they get their first job to begin saving for the future, including their retirement. Planning for the Future with my Social Security When you celebrate...
By the time our readers peruse this item, downtown Montgomery's famous Chris' Hot Dogs will have celebrated its 100th year of serving its famous hot dogs. For many of us who earned our salaries working in the area, Chris' Hot Dogs was often a lunchtime destination. Last month, a group of seniors from Elmcroft of Halcyon assisted living facility focused their monthly dining out session on Montgomery's famous Chris', located on Montgomery's famous Dexter Avenue. On hand for the memorable visit...
For more than 80 years, Social Security has helped secure today and tomorrow with information, tools, and resources to meet our customers’ changing needs and lifestyles. In April, we celebrate National Social Security Month and encourage you to know your Social Security by exploring what you can do online at www.socialsecurity.gov. Social Security is collaborating with groups and organizations around the country to host numerous events and activities to raise awareness about our many valuable b...
One of your writer's most enjoyable and invigorating experiences happened during the years spent as a member of the Alabama Silver-Haired Legislature. We operated much the same as the Sate's House of Representatives, in that each of us prepared and submitted resolutions that urged legislation the regular legislature should enact. They addressed matters that were of particular concern to the State's senior citizens. Each representative researched and wrote legislative proposals that addressed...
Enjoying a comfortable retirement is everyone’s dream. For over 80 years, Social Security has been helping people realize those dreams, assisting people through life’s journey with a variety of benefits. It’s up to you as to when you can start retirement benefits. You could start them a little earlier or wait until your “full retirement age.” There are benefits to either decision, pun intended. Full retirement age refers to the age when a person can receive their Social Security benefits without...
“We just ain't got no couth no more.” Those of us who are stumbling into our Golden Years, and are watching national events on television are frequently reminded of two behaviors we learned in our youth; two behaviors that we seldom witness any more. These are manners and decorum. We grew up being constantly reminded of our manners, and frequently punished should we stray from either. We were constantly being reminded of our manners by our elders, and straying from the principle of manners wou...
Saving for the future is a vital part of ensuring a secure retirement. American Savings Education Council and America Saves coordinate the annual America Saves Week. Started in 2007, the week is an annual opportunity for organizations to promote good savings behavior and a chance for individuals to assess their own saving status. For years, Social Security has collaborated with America Saves Week to promote our shared mission of helping millions of people save for their future. This year,...
Forty-three years ago Arthur M. Schlesinger, Jr. published a book entitled “The Imperial Presidency,” in which he outlined how our presidents have managed to exceed the powers granted to that office by our Constitution. And they've done it with impunity, especially over the last 43 years. Since George Washington assumed the office in 1789, our nation has been led by a variety of presidents, some exceptional, and some we would just as soon forget, and the latest incumbent is considered by man...
It's that time of year again. Preparing for tax season can seem overwhelming. Some forms and paperwork might be difficult to track down. If you misplaced your Benefits Statement or haven't received it by the end of January, we've made it easy for you to go online to request a replacement with my Social Security. An SSA-1099, also called a Benefit Statement, is a tax form Social Security mails each year in January to the more than 60 million people who receive Social Security benefits. It shows...
It's that time of the year when the thoughts of most of us turn to the celebration of Christmas. It's also the time of the year when the squirrels come out of the woodwork and we're inundated with more nonsense than we want to endure as it relates to the holiday: it's principal characters, and its celebration. From this person's viewpoint there are two tales that best represent Christmas and all it stands for; these being: O. Henry's The gift of the Magi, and Charles dickens' A Christmas Carol....
Gathering with family and friends during the holiday season reminds us we’re part of a strong community. And sometimes, in the spirit of the season, we break into song. Our take on “The Twelve Days of Christmas” — a holiday favorite since 1780 — highlights the national community we care for all year long. We call it “The Twelve Sites of Social Security.” For the first site of Social Security, we give to you: our home page, www.socialsecurity.gov. It’s the place to go for all things Social S...
We should take exception to the use of the term: Attention Deficit Disorder,especially so, those of us who have been blessed with it. The noun attention is acceptable since a major portion of this psychological difference does tend to focus on the concentration of mental powers. The phrase: Short attention span, was much more accurate and had less of a negative connotation about it. But the education community does like to invent new titles for things. Now the word deficit presents a lot of...
One of the most common threats we face is identity theft. Just imagine someone stealing your information and pretending to be you. You’d have no control as this person acts in your name, spending money — and possibly, ruining your credit. That’s one trick you can do without, which is why we’ve added an extra layer of security for our customers when they interact with us online. Your my Social Security at www.socialsecurity.gov/myaccount is a safe and secure place to do business with us. On July...
One can only stand amazed at the multitude of ways by which the American people are able to abuse the English language; especially as it relates to their national identity. It's bad enough that Americans have had the general neutral abomination inflicted upon us, as well as the various twists and turns that various racial silliness have brought upon them, not to mention the abuses that various segments have introduced into our language, it's no wonder that very few Americans are able to speak...
It’s healthy to be skeptical in a world of uncertainties. Major news networks sometimes broadcast conflicting facts that require a bit of research to verify. There’s even a day in October dedicated to skeptics. So, this is the perfect time to tell all the skeptics that there’s no reason to think Social Security won’t be here for you well into the future. Recently, the Social Security Board of Trustees released its 76th annual report to Congress presenting the financial status of the Social...
When a person becomes disabled, it can be a very stressful time in their life. There are many questions and unknowns when you have to transition out of the workforce due to medical issues. While an employer may offer short or long-term disability, most people faced with a disability will file for benefits with Social Security. If you’re facing life with a disability and don’t know where to start, we encourage you to visit our website at www.socialsecurity.gov/disabilityssi. You can apply for...
Early on in your chronicler's quest for knowledge an interesting work was perused, the title of which was: The Republic. It's author was a Greek philosopher named Plato, who, in a sense invented education, and who really seemed to have a handle on things worth knowing. He envisioned Utopia, a civilization run by philosopher kings, whose sole purpose was to see that the people were afforded an education, and that they were taught by knowledgeable educators whose sole purpose in life was to insure...
Question: I'm retired and the only income I have is a monthly withdrawal from an Individual Retirement Account (IRA). Are the IRA withdrawals considered "earnings?" Could they reduce my monthly Social Security benefits? Answer: No. We count only the wages you earn from a job or your net profit if you're self-employed. Non-work income such as pensions, annuities, investment income, interest, capital gains, and other government benefits are not counted and will not affect your Social Security...
When the Lord selected Moses to lead his people He set down some rules. The first four dealt with ecclesiastical matters about who was the leader of the team, and the rules related thereto. He then got down to laying down temporal rules, and the first of which concerned honoring fathers and mothers. In Exodus 20:12, He told Moses that he and his followers should honor their fathers and their mothers; respect one’s elders. In short: When you’re young do what they say; when you’re older, take...
Your first job is a landmark occasion. You’re meeting new people, making professional connections, and probably cashing that first paycheck. You might be a little surprised when you see a portion of your earnings go to a tax called “FICA” for the Federal Insurance Contributions Act. This deduction goes to Social Security and is your way of helping us secure your today and tomorrow. It’s our job to keep the safety net of Social Security strong through your incremental contributions. Underst...
On June 23, residents at Elmcroft at Halcyon, one of Montgomery's assisted living facilities, learned that one out of three senior citizens falls each year. A troublesome fact that, but one that may be greater than what is on the books. Many seniors who experience falls tend not to bother their family physician, for one reason or another. This, and other facts relative to falling, were shared with the residents by Delane Richardson, one of the Central Alabama Aging Consortium's team of experts...
Pleasing the clientele anywhere can be somewhat of a vexing problem, and none more vexing that at an institution where the bulk of those being served are well into their Golden Years. The chef at your humble scribe's newest abode, Elmcroft of Halcyon, can well endorse this observation as she was confronted with the following experience: As a general rule, Gloria Crews does an admirable job of pleasing the palates of the residents. But one day she found herself facing an insurmountable odd. A...
Over half a million people who live outside the United States receive some kind of Social Security benefit, including retired and disabled workers, as well as spouses, widows, widowers, and children. If you’re a U.S. citizen, you may receive your Social Security payments outside the United States as long as you are eligible. When we say you are “outside the United States,” we mean you’re not in one of the 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, the Nor...
Many years ago there was a refrain about the pay of a young man in the Army that went: “Twenty one dollars a day; once a month.” Based on the efforts of our illustrious commander-in-chief, this may become the situation once again. President Barrack Obama says he wants to cut the military back to where it was before World War II. Really? Not that long ago your chronicler, after watching Fearless Leader in action, made a suggestion that the wise investor should put his money into white flags and b...
Question: What is the benefit amount a spouse may be entitled to receive? Answer: If you’re eligible for both your own retirement benefit and for benefits as a spouse, we will always pay you benefits based on your record first. If your benefit as a spouse is higher than your retirement benefit, you will receive a combination of benefits equaling the higher spouse's benefits. A spouse generally receives 50 percent of the retired worker's full benefit, unless the spouse begins collecting b...