What Is My Retirement Age If I Was Born In – Important Info

What Is My Retirement Age If I Was Born In – Important Info

If you want to know what is my retirement age if I was born in a specific year, the ssa.gov retirement age site discussed below has important info that will inform this process.  However, it is critical to note that this might only give you one piece of the retirement puzzle.  In other words, the social security administration will merely provide you with when you will become eligible for your full retirement benefit.  A lot of people just assume that they can retire at age 65 with their full benefits that they are entitled for.  That, for many people, is not the case.  For example, if you were born in 1961, it appears your age to receive your fully eligible retirement funds won’t occur until you are 67.  Not everyone enjoys these when they turn 65.  It seems that is dependent upon your year of birth.  However, when people ask what is my retirement age if I was born before 1960, there might not be one simple number.  In other words, people can choose to retire when ever they want to.  It just means that you might not receive government related retirement funds you thought you might be eligible for at that elected time.

However, let’s begin with the important question of what is my retirement age for purposes of social security benefits.  On the www.ssa.gov/retire2/retirechart.htm site,  you will note different birth years in a chart starting with 1937 and before and goes through to 1960 and later.  I was surprised to learn that there was such a discrepancy.  I just assumed everyone was set to retire at age 65 and when I started looking seriously at my retirement planning, I got a shock.  Thus, if you do not know what year you will be fully eligible for your qualifying benefits, take a minute to apprise yourself of that.  As I was studying it, I thought to myself that there might be a few people who get a shock when they think they are going to retire with their full social security benefits at 65 and learn that they won’t be eligible until 67. Thus, this underscores why it is important that everyone begin their retirement planning in advance.  Unfortunately, I know a lot of people who did not do any form of retirement planning and they are still working even though they are well past their official retirement age. When I see senior citizens working out of necessity versus out of choice, it makes me feel very sad.  

Thus, this is the other side of the what is my retirement age question.  Yes, ideally we all contribute and ideally we will be eligible soon for our benefits, but wouldn’t you like to retire when you determine it is right for you.  That is my goal.  The truth of the matter is many people like me will need the social security payments to survive after we stop working.  However, I am striving to save now so that I can retire in advance of my official retirement age.  Furthermore, I’m trying to plan well enough that any social security benefits I receive can be used for activities I want to do for enjoyment during retirement.  I don’t want to be dependent upon them for my everyday expenses.  I think this is a goal that everyone should strive for.  Over the years, I have seen one too many people work until their official retirement age and then, when they do hang it up, they are too old to fully enjoy it because they have degrading health.  As a result, if you haven’t already done so, you might see if your company has any retirement programs that you could participate in like a 401k plan or a pension. 

I wish I had a pension like some of my friends. Many of them have defined benefit pension plans and have since retired with a wonderful income in their golden years.  Other people, might rely on different ways to cover their expenses after they stop working.  Some of my friends rely on investing to provide for themselves later on in life.  Although I dream of being independently wealthy and have tried to plan and save, the reality is that I will be dependent upon my social security checks for my existence.  Be sure to check out when you would be potentially eligible on the social security retirement age page.  They even have a retirement age calculator section to help you.  So confirm what your retirement age is and then spread the word to others.  They might not know how to check and they might appreciate the heads up.  Also, look in to setting up your own private retirement savings plans to help you retire earlier or to get more enjoyment out of your official retirement years. 

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What To Do In Case Of Fire – Some Safety Tips

What To Do In Case Of Fire – Some Safety Tips

Fires occur when you least expect it. However when it does happen, it happens so quickly that you have barely enough time to think much less get away. I know that when you see a fire in your home, you always think that you can contain it. And you may be thinking of what to do first. I have never had a fire in my home but have had a friend whose had burned down. She lost her pet in that fire and could not bear to live in that house anymore. So she sold it.

She told me what happened. She said initially the fire was so small that she was not really worried. So she took her time in trying to find the fire extinguisher. She knew she had one but could not find it under the kitchen sink. She looked in all the bathroom sinks and still could not find it. Then she when to her garage to look for it. That is what saved her life. She did find the fire extinguisher but by then, the fire was too large to contain. She managed to get out of the garage onto the street. One thing she told me is that you should never underestimate the fire. It can move very quickly and get large so quickly that it is best to get out of the house as soon as you can.

One rule of thumb she said was that if you have a fire extinguisher handy, you can fight the fire if it is smaller than you. However, if you cannot find the fire extinguisher, get out of the house as quickly as you can. An entire living room can burn down in just 2 minutes. In the 5 minutes that it took her to find the fire extinguisher, the entire house was engulfed. It was a good thing that the fire occurred when she was awake. What happened was that one of the floor lamps went up in flames. She still does not know what caused it but thinks it was electrical in nature.

In case of fire that occurs at night, make sure that you have working smoke alarms. That will let you know that you have a fire. If the smoke alarms goes off then it means that the fire is large enough that it has produced smoke. The best thing to do in that situation is to stay low. Crawl to the nearest exit as fast as you can. It is the smoke that will kill you. If the smoke is already getting thick, get a wet towel or blanket and put it over you. If you have a family, get all your family members out as quickly as you can. Do not worry about where the fire started. Also do not worry about your possessions. I took a fire safety class recently and the instructor told me that smart phones can be replaced. An iPad can be replaced. It is not worth your life. He said many people died because they went back into the burning house or building to get their cell phones or smart tablets.

One of the things most people do not know is that there are different types of fires. Class A refers to fires caused by wood, textiles or rubbish. You can use water to fight this type of fire. Class B refers to grease and flammable liquids. You will have to use foam to fight this type of fire. YOu can also use carbon dioxide. Class C refers to electrical fires. You can use carbon dioxide to diffuse them. Then there is the Class D type of fires. These fires are started by combustible metals. You should use dry powder to fight these types of fires. Finally Class K refers to kitchen fires. These are fires that are started by cooking oil or grease.

But whatever type of fire you encounter, your safety and the safety of your loved ones are paramount. Only call 911 after you are out of the burning building or house. If you do not have your cell phones, go to your neighbors. You will have to let them know anyway as you want to make sure that the fire does not spread.

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What To Do In Case Of Fire

Should I Buy My Son A Car – Read This Before Buying Him One

Should I Buy My Son A Car – Read This Before Buying Him One

When you ask should I buy my son a car, most people will usually say “sure” without any thought.  They might even add to their comments that buying your son a car will free up lots of your time. In fact, they might even tell you how much of your life you might have back without having to take him to practice and other school activities.  However, they rarely mention all the other concerns that surround the inquiry of should I buy my teenager a car. Unfortunately, because many people don’t talk about these other issues, I would like to take this opportunity to address them from my personal experiences.  I am not here to say what one should or shouldn’t do, but I do think it is important that parents have better insights to the consequences of buying their son or daughter a car as a teenager. When searching for answers to difficult questions like this one, it is imperative that you consult a variety of resources before arriving at a decision.  With that said, let’s explore more than the convenience of having your son drive himself to and from practices to see what other pros and cons exist surrounding the topic of buying a car for your son. 

The first consideration that you need to address when contemplating should I buy my kid a car is cost. There are many cost factors to look at.  The first one is quite simply do you have the money to buy your child a car.  Ideally, I would recommend that you have the cash to pay for it.  Otherwise, you are saddling yourself with additional debt each month and I am not a believer in such things.  There are lots of great quality cars that are affordable.  When shopping to buy your son a car, I recommend you explore the www.cars.com page to see what you can afford on your savings or budget. If it were me, I wouldn’t tell your son that you were buying him a car and then ask him what he wanted.  This could really create unrealistic expectations in his mind, as he might want a brand new European sports car.  With a better understanding of what type of car your money could possibly buy for your son, you need to consider other cost factors. 

For example, are you going to be paying for the gas and the maintenance of your son’s car?  If not and he does not hold up his end of the bargain, will you be able to?  Let’s face it, adolescents make all kind of promises when they want things, but they don’t necessarily always follow through on them.  If your child is to pay for those other expenses, I would recommend that he create an account with three months worth of expenses in it before you buy him the car. Then, tell him that he can only use that for emergency situations.  Another major thing to consider is insurance.  Before you buy a car, find out how much it will cost to cover an additional car in the family, especially with your son as the primary driver of that new car.  You might be able to afford the car, but not the insurance for your son.  This can be especially pricy if he already has tickets.   With that said, there are benefits to having an additional car in the family.  For example, if you ever have your car break down, you can borrow your son’s car to go to work.  And when you have purchased it for him, paid the insurance on it, and put the gas in the tank, you will rarely hear any protest from him about doing so. 

My father bought me a car as a teenager and his car broke down one time and he asked to use it.  I gladly let him take it and didn’t put up any fuss.  Unfortunately, while he was driving it to work he hit a sign and dented it because he was not used to driving it.  He was so apologetic and was worried I was going to be mad at him.  He was shocked when I told him it was okay.  In fact, he was in disbelief. I then reminded him that he bought it for me and he didn’t mean to do it.  With that said, I should tell you that I was his daughter and sons might not be as forgiving.  They have a tendency to potentially be a little more possessive of their wheels.  If you are wondering, should I buy my son a new car, think it over carefully.  I plan on buying all my children cars when they turn sixteen.  To shop for cars for your son or daughter, you might want to examine the cars.con site to see what to get them.  The last thing I would like you to consider is the maturity level of your son.  Ask your agent and lawyer what would happen to you if your son does something terribly negligent like get behind the wheel drunk and hit someone.  Tell him you want to know what would your consequences be if you bought the car and the insurance for him.  The answer to this question might help you with your decision to buy or not to buy your son a car. 

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How To Deliver Bad News At Work

How To Deliver Bad News at Work

Delivering bad news can be very difficult. It does not matter what type of bad news you are delivering and to whom, it can be a tough job for the person. It is especially difficult to deliver it in a work place environment. There are certain things that you should think about before delivering it. You can’t just blurt it out.

So the first thing that you need to do is to prepare. If you are a boss, then you should leave your emotions out of it. It does not mean however that you have to be cheerful. You still have to be somber but do not let your emotions get away from you. You should deliver the news in an objective manner. If you can put a positive spin to it, then that would be good. You should also think about what kinds of questions that you may be asked. Try to prepare responses in advance. I remember when our company was going through a re-organizaton. When someone asked what chances of promotion there was for the old time employees, the boss who was delivering the message was not able to provide an adequate answer. That employee that asked that question ended up leaving the job.

Another thing that you can do is to try and provide solutions for the bad news. So this means that you will deliver the bad news but then mention how the bad news can be overcome. Mention that it may take time but that it can be done. Let the people who are hearing the bad news leave with a sense of hope that there could be better things to come. Or that there will be something to look forward to.

You must also consider all the people that the bad news will affect. If you have to lay off people, you will have to think of those who are getting laid off and those who are not. So your speech should mention both. What will happen to those who will be laid off and what will happen to those who remain. You must also think about how this will affect the customers and clients. You should let them know how this will be handled.

If the bad news is about cleaning up something terrible that happened, then you should follow up your first speech with a second one. This one should be about how the situation was handled. You should always deliver either bad news or good news first to the leadership team. Then you can discuss it with the rest. Sometimes, when you share the news with the leadership team, they may have different suggestions on how to handle the situation.

You must also treat everyone with respect and dignity. If you are going to lay someone off, do it face-to-face. Do not send an email. That is the worst way to get news like that. I know this can be very difficult for the boss to do but it has to be done right. Explain all the positives and then the reason for the layoff. Sometimes it is just down-sizing. Sometimes it is the fact that the person was the last to be hired.

You must always justify why you are delivering the bad news. For example, the bad news could be about a bad performance review. You will have to be able to justify it. You will most likely have to provide examples. It is also a great idea to provide suggestions for improvement. Let the person know what he or she can do in order to improve. This will provide a guide for the employee to follow. You can also suggest classes that the employee can take in order to improve.

Another thing you should always do is to be sincere. You should be genuine when you are delivering the bad news. There is nothing worse than the feeling that you do not care about the situation. You have to come across as being compassionate and sincere. You have to be clear about what you are saying too. If it is due to your actions, be open and honest about it. Explain what happened. Also explain what you will do to fix the situation.

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How To Deliver Bad News at Work

 

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