The Pros And Cons Of Filing For Social Security At Full Retirement Age

Each person is different when it comes to the logic of claiming social security benefits and at which age they should do so. For many it makes perfect sense to claim those benefits as soon as they are entitled to them – for others waiting a while might be the most financially sensible thing to do – it all depends on individual circumstances.

There is a window for claiming these benefits. People are entitled to claim benefits which are calculated on their earnings during their career when they reach the age of 62, however the window to claim those benefits is eight years.

To complicate matters retirement age depends on the year of birth of the person applying for the benefits. For instance those born between 1943 and 1954 the retirement age is 66, while those born in 1955 the retirement age is 66 and two months – with the retirement age steadily increasing in monthly increments until 1960 when the retirement age is set at 67 years old.

So does it make sense to claim immediately or wait for a period of up to eight years to claim?

Here are the pros and cons for each approach.

If you have not saved significant amounts during the course of your career then it makes sense to wait for as long possible to collect your social security benefits. Although you could collect up to five years prior to your official retirement age you will incur significant penalties for doing so. In fact those penalties can reduce your payments by around 30% if you claim them at 62 when your full retirement age is 67. For those who do not have a lot of money in the bank that is a penalty that is not easy to bear.

Quality Of Life After Retirement

It’s also worth noting that increasing levels of healthcare and supporting services mean that many people are living longer than ever – and are in fact enjoying careers that last far past the official retirement age. The longer you resist applying for social security payouts the longer there will be to build on savings and the better quality of life you will have once you do claim for your retirement benefits.

However, if you have managed to build significant savings then there may be a case to be made for taking those retirement benefits at the official retirement age – but it is still worth noting that applying for them before the official retirement age is not the most financially savvy thing to do – the penalties are just too steep.

Another exception to the rule that says that waiting is the correct approach is when the claimant is in ill health. If the claimant does not expect to live a long and healthy the money from social security may provide a better quality of life in their remaining years.

However as a general rule it is far better to delay claiming benefits for as long as possible.

All these factors need to be taken into account – but the best approach is to consult a professional financial adviser before making any decision on the matter. To Know more consult professionals now!

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source http://www.decodingtheheavens.com/the-pros-and-cons-of-filing-for-social-security-at-full-retirement-age/

How To Quickly Increase Website Traffic

Before you can get more website traffic, you have to know what you are doing. There are a lot of tips that can help you out, and some of them will be shown to you below. Use the advice you get here and you should be able to get much more website traffic quickly.

Buy Ads on Google or Facebook

A good plan is to buy ads on sites like Google or Facebook so you can reach out to the wide range of people that use those types of websites. When you buy ad space, you’re going to want to pick out keywords carefully that the ads will show up for when people search for them. Try to make sure you pick keywords that have something to do with your niche so when people search for certain words and phrases your ad will show up and will hopefully entice people to click on it.

Advantage Of Social Media

Use social media to your advantage if you want to reach out to potential website visitors. You want to make sure you do not spam people when it comes to making posts on a social media site. An example of spamming is posting the same message multiple times a day to a point where it becomes annoying to those people that are following you. More than one post a day about the same topic is too much. If people aren’t clicking on your posts, try to make them more interesting instead of posting them over and over again hoping to get more clicks.

Content On Website

Make sure your website has content on it that people will actually enjoy looking at. If the articles on your site are bland and don’t teach people much, then they are not likely to come back to your site. You want to make sure you impress people when they first find your site so they go through it regularly to see what you’re posting on it. Whether you have a company you’re trying to advertise for or a personal page you want to share with the world, you have to make it interesting.

See if you can post a guest post on a blog that is within your niche. You’re going to want to ask around and see if you can trade guest posts with other people because that’s a good way to reach out to a new audience that may not know about your website yet. For instance, you can find a blog that is about your niche and you can email the owner to tell them that you’ll give them a guest post if they make one for your site. Or, you can ask if you can just pay them to feature a post by you on their site that links back to your website.

You need to be sure you know how to increase website traffic before you try doing so. It’s important that you do this right seo first time so it works out for you. Once you’re done using some of or all of the tips here you’ll see quite the increase in website traffic.

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source http://www.decodingtheheavens.com/how-to-quickly-increase-website-traffic/

Finding The Best Day Tours In Costa Rica

Costa Rica has a lot to offer anyone who desires visiting the area. If you are planning on visiting, there are many things that you will want to consider. You will want to decide when you are visiting the area. Also, you will want to find a great place to stay and decide exactly what you want to do while you are there. If you want to make the most of your travels to the area, choosing the best day tours in Costa Rica is a smart choice. Continue reading this helpful article and you can learn how to go about finding the tour that will allow you to best enjoy this beautiful area.

Enjoy Your Day With Best Tour Guide

First of all, it is a good idea to know when you are visiting Costa Rica. This will allow you to look at tours that are available when you will be in the area. Once you know the date of your trip, you should take some time to consider the different types of day tours that are offered. When you know all that is available, it will allow you to choose the best day tour for you.

Then, you should consider what you want to do and see during your day tour. With this in mind, you are able to look at the day tours in Costa Rica and then choose the one that offers the different activities and sights you are most interested in. If you aren’t sure what you want to see and do, it can be helpful to look at the different tours that you find interesting to determine the one that will be best for you and those you are traveling with.

Costa Rica Is A Must Watch Travelling Destination

Also, you may want to think about the area of Costa Rica that is most interesting to you or if you want to see as much of it as possible. This is another thing that will be helpful to you as you decide which day tour is the best one for you. Should you not know, it can be helpful to learn as much as possible about the area and discover which parts are of most interest.

Another important thing for you to do is to look at online reviews or get recommendations. This will allow you to learn about the type of experience you may encounter. While most tour companies are going to tell you what you want to hear, they aren’t all what they are appear. By taking time to learn about the experiences of others, it will help you best choose the tour in Costa Rica that you want to take part in.

Conclusion

In conclusion, when you want to take advantage of Costa Rica and all that it has to offer, you can do so by taking the best day tour. In order to find the tour that will work best for you, you can use the tips that are shared in this article. Considering your options is a great way to make sure you find a great tour. Get a brief introduction of bird watch from costaricafocus professionals.

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source http://www.decodingtheheavens.com/finding-the-best-day-tours-in-costa-rica/