ISBN:
1501144766
Title: Get What's Yours - Revised & Updated Pdf The Secrets to Maxing Out Your Social Security (The Get What's Yours Series)
“Getting smart about Social Security can put tens of thousands of extra dollars in your pocket. With that in mind, start by reading, Get What’s Yours. . . . The book translates—into often-entertaining English—the many convoluted rules that make up the Social Security program. . . . [Does] a great job of helping you make sense of, and get the most from, Social Security. . . . Invaluable.” Author: Glenn Ruffenach Source: The Wall Street Journal“An indispensable and surprisingly entertaining guide for anyone who is retiring or thinking of retiring with all of the Social Security benefits they’ve earned.” Author: Jane Pauley“This practical guide to navigating the Social Security system cuts through the fat (there are more than 2,500 rules associated with the benefit) and covers everything from how to file for social security to the strategies for claiming the highest possible income. . . . Useful for anyone approaching retirement.” Author: Concepción de León Source: The New York Times“Choosing when to take Social Security is one of the biggest decisions of your life. By doing it right, you can add hundreds of thousands of dollars to your lifetime income and leave more money for your spouse as well. This great book tells you how . . . and it’s funny, too!” Author: Jane Bryant Quinn, author of Making the Most of your Money NOW“I love this book! Seriously! Who could ever guess that reading about Social Security could be this entertaining? And if you think you know enough about the subject, you would be wise to think again. Smartly written by an all-star, financial expert dream team, the engaging, down-to-earth prose makes Get What’s Yours the definitive guide to maximizing what is, for many, the most important retirement asset by far. From determining the best age to claim (hint: it’s not what you’ve been told) to figuring out the intricacies of spousal benefits to avoiding the ‘gotchas’ that can reduce your checks, this must-read guide is truly that. And don’t be surprised if you actually enjoy it!" Author: Beth Kobliner, author of Get a Financial Life Laurence J. Kotlikoff is a professor of economics at Boston University and president of Economic Security Planning, Inc. His company websites are ESPlanner.com and MaximizeMySocialSecurity.com. To learn more, visit GetWhatsYours.org.Journalist Philip Moeller writes about retirement for Money and authors the Ask Phil Medicare column for PBS. He also is a Research Fellow at the Center on Aging & Work at Boston College and the founder of Insure.com, a leading site for insurance information.Paul Solman is the business and economics correspondent for the PBS NewsHour and is a Brady-Johnson Distinguished Practitioner in Grand Strategy at the International Security Studies department at Yale University.
Social Security law has changed! Get What’s Yours has been revised and updated to reflect new regulations that took effect on April 29, 2016.
Get What’s Yours has proven itself to be the definitive book about how to navigate the forbidding maze of Social Security and emerge with the highest possible benefits. It is an engaging manual of tactics and strategies written by well-known financial commentators that is unobtainable elsewhere. You could try reading all 2,728 rules of the Social Security system (and the thousands of explanations of these rules), but academia’s Kotlikoff, the popular press’s Moeller, and public television’s Solman explain the Social Security system just as comprehensively, and a lot more comprehensibly. Moreover, they demonstrate that what you don’t know can seriously hurt you: wrong decisions about which Social Security benefits to apply for cost individual retirees tens of thousands of dollars in lost income every year. (Some of those people are even in the book.)
Changes to Social Security that take effect in 2016 make it more important than ever to wait as long as possible (until age 70, if possible) to claim Social Security benefits. The new law also has significant implications for those who wish to claim divorced spousal benefits (and how many Social Security recipients even know about divorced spousal benefits?). Besides addressing these and other issues, this revised edition contains a chapter explaining how Medicare rules can shape Social Security decisions.
Many other personal-finance books briefly address Social Security, but none offers the full, authoritative, yet conversational analysis of Get What’s Yours.
Get What’s Yours explains Social Security benefits through basic strategies and stirring stories. It covers the most frequent benefit scenarios faced by married retired couples; by divorced retirees; by widows and widowers. It explains what to do if you’re a retired parent of dependent children; disabled; an eligible beneficiary who continues to work. It addresses the tax consequences of your choices, as well as the financial implications for other investments. It does all this and more.
There are more than 52 million Americans aged 54 to 69. Ten thousand of them reach Social Security’s full retirement age of 66 every day. For all these people—and for their families and friends—Get What’s Yours has proven to be an invaluable, and therefore indispensable, tool.
Won't you step into my parlor Given the choice of learning 3000 pages of Social Security law and tens of thousands of regulations, or having two front teeth pulled without anesthetic, most would choose the latter, if only because it's over quicker. Get What's Yours understands this. It presents the basic background, basic facts, basic tips, and even the basic SSA form, in an environment of real scenarios. The asides are cheerful or acidic, as appropriate, and it mitigates the confusion by constantly hammering at the basics. At first I thought it annoying, but slowing down, I realized I needed to see it all again, in action, to help it sink in. It also means you can go right to the section that concerns you, because the foundation points will be there (again).This book is necessary for three reasons: Social Security is not intuitive, and sometimes makes no sense at all. Two, Americans act against their best interests, leaving all kinds of money on the table. Three, there is usually a "however" with Social Security rules.Worse, Social Security is now up to three million requests every week, but Congress keeps cutting back budget, staff, hours and whole offices. Combine that with the complexity factor, and the authors conclude you cannot trust what Social Security advises. Great.The way we go after Social Security says two things: Americans are poorer than they pretend, and they don't know how much they're giving up. Only about 3% wait until age 70 to claim, where the figures show a dramatic, peak difference (76%) over claims at 62, when the biggest group files - for the least amount offered. As an aside, there is an annual survey that always says the same thing: nearly 50% of Americans couldn't raise an emergency $2500 in 30 days, not from savings or even from friends and family. Nearly half of Americans simply cannot postpone Social Security.The most important tip is to wait until 70 before taking benefits. The next most important tip is to register at 66, but at the same time suspend benefits until 70. This not only allows your rate to grow 8% a year for four years, it also allows your spouse to claim spousal benefits (half of yours) when s/he reaches 66 and let her/his own benefits continue to grow until age 70. There are a lot of ifs ands and buts, so the book becomes a tremendous resource. The answers are clear and cogent.As a consultant who works in different environments all the time, I developed a saying that I could play by anybody's rules, as long as I knew what they were. Get What's Yours tells you what they are.David WinebergIgnores the Elephant in the Room. It's a decent book, entertainingly written. But like most books of its ilk, pounding into us to work until we're 70 to receive the maximum SS benefits totally ignores the 800 lb elephant in the room. They're telling us to give up years of our life, years when we're more likely to be in decent enough health to do and enjoy the things we like . . and to WASTE those healthier years working in jobs that most of us do not like or enjoy (most people don't have rewarding upper-middle class careers) . . . So that you'll have more money in later years, when your less-likely to have the health to enjoy the things you like.This is reducing your precious years of life to a balance sheet. If hiking is my life's passion, do I forego it from 62 until 70, when the odds are highly likely I won't be able to enjoy it at the same level? And instead, continue using up healthy years of my life in a job, or 2 jobs, I hate?And like most similar books, it ignores the fact that many (most?) folks in good corporate jobs start getting laid off with astounding regularity as they go through their 50s and early 60s, and have a much harder time finding any work, let alone reading work.
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