The Good Life | ||||||||||||||||||||
Mountain Views News, Sierra Madre Edition [Pasadena] Saturday, June 3, 2017 | ||||||||||||||||||||
WHAT TO DO WITH CREMATED ASHES? Mountain Views-News Saturday, June 3, 2017 10 THE GOOD LIFE SENIOR HAPPENINGSTHE GOOD LIFE SENIOR HAPPENINGS SOCIAL SECURITY ADVICE FOR SOON-TO-BE RETIREES Dear Savvy Senior, Can you recommend any services that help preretirees decide when to start drawing their Social Security benefits? My wife and I are approaching retirement age and want to carefully weigh our options to make sure we’re maximizing our benefits. Approaching Retirement Dear Approaching, Deciding when to begin collecting your Social Security benefits could be one of the most important retirement-income decisions you’ll make. The difference between a good decision and a poor one could cost you tens of thousands of dollars over your retirement, so doing your homework and weighing your options now is a wise move. What to Consider As you may already know, you can claim Social Security any time between the ages of 62 and 70, but each year you wait increases your benefit by 5 to 8 percent. But there are other factors you need to take into account to help you make a good decision, like your health and family longevity, whether you plan to work in retirement, along with spousal and survivor benefits. To help you weigh your claiming strategies, you need to know that Social Security Administration claims specialists are not trained or authorized to give you personal advice on when you should start drawing your benefits. They can only provide you information on how the system works under different circumstances. To get advice you’ll need to turn to other sources. Web-Based Help Your first step in getting Social Security claiming strategy advice is to go to SSA.gov/ myaccount to get your personalized statement that estimates what your retirement benefits will be at age 62, full retirement age or when you turn 70. These estimates are based on your yearly earnings that are also listed on your report. Once you get your estimates for both you and your wife, there are many online tools you can turn to that can compare your options so you can make an informed decision. Some free sites that offer basic calculations include AARP’s Social Security Benefits Calculator (AARP.org/socialsecuritybenefits), the Consumer Financial Protection Bureau’s Planning for Retirement tool (ConsumerFinance. gov/retirement) and SSAnalyze that’s offered by United Capital (BedrockCapital.com/ssanalyze). But if you want a more thorough analysis check out Maximize My Social Security (MaximizeMySocialSecurity.com) or Social Security Choices (SocialSecurityChoices.com), which both charge $40. These services, which are particularly helpful to married couples as well as divorced or widowed persons, will run scenarios based on your circumstances and show how different filing strategies affect the total payout over the same time frame. Personal Advice If you want human help, there are specializedfirms and financial advisors that can advise you too. One such firm is Social Security Solutions (SocialSecuritySolutions.com, 866-762-7526). They offer several levels of web-based and personalized service (ranging from $20 to $500) including their $125 “Advised” plan that runs multiple calculations and comparisons, recommends a best course of action in a detailed report, and gives you a one-on-one session with a Social Security specialist over the phone to discuss the report and ask questions. Or, you can get help through a financial planner. Look for someone who is a fee-only certified financial planner (CFP) that charges on an hourly basis and has experience in Social Security analysis. To find someone, use the National Association of Personal Financial Advisors online directory at NAPFA.org, or try the Garrett Planning Network (GarrettPlanningNetwork. com), which is a network of fee-only advisers that charge between $150 and $300 per hour. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior. org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book. SPIN What has two to three sides, is loved by all children, and althoughit moves amazingly fast, never goesanywhere? If you haven’t guessedwhat I’m talking about you mustnot hang around with kids much. Fidget spinners have taken the world of these, but I don’t think by storm! he shelled out hundreds of No doubt you’ve seen dollars for it. this new trend. It seemed Although spinners feel to spring up overnight and nice in your hand, one instantly permeated the article pointed out that the whole youth landscape. I first bearings quickly become became aware of them about dirty after frequent use. two months ago when one of The spinner begins to my 5th grade students popped feel “gritty,” has more of a one on my desk and waited wobble to its spin, and starts for me to look impressed. to slow down. The author “Wow. That’s cool. What does described how this gradual it do?” I asked. In response decline causes some people he stopped its spinning and to experience anxiety. They started it again. feel compelled to constantly So, what exactly does afidget spinner do? As the name implies, it spins. But that’s not all it does! It can spin on the tip of your thumb. It can spin between your thumb and index finger. It can spin in your right hand. It can spin in your left hand. You get the idea… What I didn’t realize is that even adults are supposedly into this fad. I thought only my elementary school students got a kick out of feeling plastic or metal whirl around on their skin, but there’s a big market for high-end spinners, some priced into the hundreds of dollars! Of course adults have to justify laying down that kind of cash for something 5th grade boys collect. That’s why spinners are being repackaged as “stress release toys” that “enhance focus,” suitable for treating everything from office boredom to ADHD. Some of them are made of industrial grade titanium with enough ceramic bearings to build a small car. My personal favorites are the ones that light up. Even one of my kids at school has one reassess the quality of theirspinners, thus heightening the stress that the spinnerwas originally meant to relieve! And this is preciselywhy you need to buy a complete spinner cleaning kit. You owe it to your mental health. Now, it may sound as if I’m condemning spinnersand people who use them. Nothing could be farther from the truth! It’s true, I could come up with a hundred things I’d spend time and money on before I’d invest in a fidget spinner, but I shouldn’t knock it‘till I’ve tried it. Who knows? Maybe I’ll get just ashooked as my middle school students. Personally, I’m waiting for them to come out with spinners thatspit fire. That would be cool! HAPPY BIRTHDAY! …June Birthdays* Joanne Thrane, Nellie Haynes, Dorothy McKay, Theresa Daley, Donna Doss, Mary Carney, Carol Handley, Marilyn McKernan, Pat Fujiwara, John Shier, Beth Smith- Kellock, Ann Disbrow, Joan Ellison, Anne Montgomery, Trini Ornelas, Martha Spriggs, Pat Starkey, Kathleen Coyne, Suzanne Decker, Jacque Persing, Jeanne Peterson and Grace Sanders * To add your name to this distinguished list, please call the paper at 626.355.2737. YEAR of birth not required ................................................................... ACTIVITIES: Unless listed differently, all activities are at the Hart Park House (Senior Center) 222 W. Sierra Madre Blvd., Sierra Madre Hawaiian & Polynesian Dance Class: Every Tuesday morning from 10a.m. to 11a.m. Join instructor Barbara Dempsey as she leads you in the art of Hula. Bingo: Every Tuesday beginning at 1:00p.m. Cards are only $0.25 each! Everyone is welcome to join. May be canceled if less than five people. Free Blood Pressure Testing: 2nd Tuesday of the month from 11a.m. to 12p.m. No appt. is necessary. Brain Games: Thursdays, 10:30a.m. to 11:30a.m., improve your memory and strengthen your brain. Activities facilitated by Senior Volunteers. Free Legal Consultation: Wednesdays from 10:30a.m. to Noon. Attorney Lem Makupson isavailable for legal consultation. He specializes in Family Law, Wills, Trusts, Estates, and Injury. Appointments are required by calling 626-355-7394. Senior Club: Meets every Saturday at the Hart Park House Senior Center. Brown Bag Lunch at 11:30a.m. Tax Assistance: Every Wednesday beginning on February 1st through April 12th from 1:00p.m. to 2:00p.m. - Don Brunner is available for income tax consultation. Appointments are required by calling 626-355-7394. Chair Yoga: Mondays and Wednesdays from 11:00 to 11:45a.m. with Paul Hagen. 3rd Monday of eachmonth, a variety of balance exercises are practiced. All ability levels are encouraged and welcomed! *A suggested donation of $5 at one of the classes is requested, but is not required. Case Management: Case Management services are provided by the YWCA and provide assistance in a variety of areas. Appointments are required and can be scheduled by calling the Hart Park HouseOffice at 626-355-7394. Birthday Celebrations: Every 2nd Thursday of the month at the Hart Park House, share some freebirthday cake provided by the Sierra Madre Civic Club. Game Day: Every Thursday starting at 12:00p.m. Come join this group of Seniors in a poker game. Other games are offered to all. Please note time change. Free Strength Training Class: Every Friday from 12:45p.m. to 1:30p.m. with Lisa Brandley. Thisenergetic class utilizes light weights for low impact resistance training. All class materials are provided. Stress, Resilience, Positivity: Finding Balance - by The Kensington Sierra Madre Four Tuesdays, March 7 - 28th from 2:00 - 4:00p.m. Register by calling 213-821-6919 or 213-821-6908. SEASONAL FUN AT THE SENIOR CENTER Thursday, May 25th from 10:30a.m. – 11:30a.m. at the Hart Park House! Just in time for spring! Join us in making a silk flowers planter. All supplies will be provided. Let’s getcreative... Please call the Hart Park House, 626-355-7394, to make your reservations. Invite your friends and family for some arts and crafts fun and take home your planters for the season Mountain Views News 80 W Sierra Madre Blvd. No. 327 Sierra Madre, Ca. 91024 Office: 626.355.2737 Fax: 626.609.3285 Email: editor@mtnviewsnews.com Website: www.mtnviewsnews.com | ||||||||||||||||||||