Bank that Payroll Tax Savings

I am generally a low-tax proponent, but recent tax cutting by Congress is getting me a little worried about Social Security. The employee’s portion of the payroll tax has been cut from 6.1% to 4.1%. What can that mean for future retirees? Read more

Social Security Retirement Benefit Do-Over is Mostly Gone

Much has been written in recent years about a benefit claim do-over loophole in the rules governing Social Security retirement benefits. Using this loophole, a wealthy retiree could claim and receive benefits at age 62, invest them for several years, withdraw the original application for benefits, then reapply for a larger benefit based on the current age. Read more

The Fiscal Reform Commission and Your Retirement

The final report from the National Commission on Fiscal Responsibility and Reform was released today. Dubbed “The Moment of Truth”, the report  has not yet been voted on by the full commission. Vote or no vote, it is all meaningless until Congress actually implements the recommendations. We are months if not several election cycles before that can happen. Nevertheless, it’s helpful for baby boomers to be aware of the thought processes being exercised in Washington and how they might affect our retirements. Read more

Lower the Retirement Age?

In recent months the battle cry against Social Security has been “raise the retirement age.” As baby boomers, we don’t like to hear that. For most of us, working until age 70 is not appealing. How about a different view: lowering the retirement age. Read more

The Social Security Statement Arrives – 2010 Edition

The older I get, the more happy I am to receive and review my Annual Social Security Statement. It arrived yesterday, just as it does every September. This is one government information distribution process that seems to work right. Read more

All Age Groups Will Rely on Social Security

Most personal finance blogs are written by 20 and 30-year-olds. Many regularly proclaim that they are not relying on Social Security for retirement because they don’t expect it to be there for them. Read more

Repay and Restart for a Bigger Social Security Check

If you are already receiving Social Security retirement benefits, you may be running out of time to boost your future benefits by using the repay and re-apply strategy. This unusual technique allows existing retirees to pay back the total Social Security benefits received (without interest) and then re-apply based on your current age. Read more

More Answers About Social Security

I recently wrote about the “Ask an Expert” series on Social Security being published on the New York Times Bucks Blog.  The seventh and final set of questions and answers has been published today. Read more

Questions and Answers on Social Security

I’ve covered numerous topics on Social Security retirement benefits here at Go To Retirement. I think I’ve learned a lot doing the research. But it’s always good to get retirement planning advice and opinions from multiple sources. So today I have a tip for readers to find that advice, using questions submitted by you and others. Read more

Social Security Benefits Threatened by Wall Street

The rich bankers of Wall Street have decided that baby boomers and Social Security, not bank shenanigans, are the cause of government economic problems. This will be their message when the National Commission on Fiscal Responsibility and Reform meets next week.

Ridiculous. Read more

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