Category: Guest Blogger
Smart Tech Solutions for Aging in Place
As our population ages and more people prefer to remain in their homes for as long as possible, technology continues to offer more solutions to aid their safety and the peace of mind of family and friends. Combinations of devices, new applications and the internet make it possible to tailor a tech system for just about any personal need.
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Ask Rusty: What Happens to my Social Security if I Die at Age 62?
Social Security FICA payroll taxes collected from current workers are used to pay all those who are currently receiving benefits. Any excess collected which is not paid out in benefits is deposited into a special Trust Fund and held in reserve for the future. My hope is that understanding this will dispel a far too widely held myth that the money you pay into the Social Security program from your paycheck is deposited into a personal account for you—it is not. Rather, that money is used to pay benefits to all those who are already collecting Social Security.
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These Are a Few of Our Favorite Sites
The number of websites and applications that can make your life better is overwhelming, so we’ve decided to share some of our favorites, along with the reasons we like them.
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Ask Rusty: Does Paying Social Security Payroll Tax Increase my Benefit?
Everyone who works and earns—even those who are collecting Social Security benefits—must pay the Social Security FICA payroll tax. But paying that payroll tax doesn’t entitle you to a benefit increase. The FICA tax you pay doesn’t get credited to a personal account for you; rather, it goes into the Social Security general fund to help pay benefits to all current beneficiaries.
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Ask Rusty: Spousal and Survivor Benefits
Since your husband is already receiving his Social Security retirement benefits, you are eligible to collect spousal benefits at any time after you reach age 62, even though you are collecting Social Security Disability benefits (you don’t have to wait until he’s 70); however, if you start those spousal benefits before you reach your full retirement age (FRA) they will be reduced.
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Taking Pictures with Your Phone
As we get older and more active, many of us are turning more and more to our mobile phones to take and share pictures and videos as we travel or do things with our grandchildren. To be sure, mobile-phone cameras are not your father’s Brownie camera. They have tons more capabilities, many of which you can master with a little understanding.
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Selecting a ‘New’ i-Phone
To help you better understand the differences of iPhone models and their features, let’s review the various lines, starting with a brief look at the iPhone 11 and working back from there.
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Ask Rusty: Should I Take Social Security at 62?
If you take your Social Security benefits when you’re 62, the monthly amount you receive will be 27.5% lower than you would get at your full retirement age of 66 1/2. But if your current health issues mean that you must stop working and lose income you rely upon to make ends meet, then taking your benefits at age 62 will give you some badly needed financial relief.
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Tech Learning Is a Life Skill
There are numerous places in metro Atlanta where seniors can find tech learning and coaching. They range from tech sessions at retail stores, such as those for iPhone training at Apple Stores, to programs run at senior centers or residential facilities to private, in-home coaching.
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Enjoy Summer…without Pesky Ants
Here’s what you need to know about keeping ants from ruining your summer fun.
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Valuable Free Phone Safety Apps
In non-emergency cases where you feel unsafe or uncomfortable, there are a number of free phone safety apps that you should consider.
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How to Pick and Plant Perennials
Spring is the perfect time to plant perennials in your garden so you can enjoy them for years to come.
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