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Get What's Yours: The Secrets to Maxing…
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Get What's Yours: The Secrets to Maxing Out Your Social Security (urspr publ 2015; utgåvan 2015)

av Laurence J. Kotlikoff (Författare)

MedlemmarRecensionerPopularitetGenomsnittligt betygOmnämnanden
1577172,767 (4.09)2
"Learn the secrets to maximizing your Social Security benefits and earn up to thousands of dollars more each year with expert advice that you can't get anywhere else. Want to know how to navigate the forbidding maze of Social Security and emerge with the highest possible benefits? You could try reading all 2,728 rules of the Social Security system (and the thousands of explanations of these rules), but Kotlikoff, Moeller, and Solman explain Social Security benefits in an easy to understand and user-friendly style. What you don't know can seriously hurt you: wrong decisions about which Social Security benefits to apply for cost some individual retirees tens of thousands of dollars in lost income every year. How many retirees or those nearing retirement know about such Social Security options as file and suspend (apply for benefits and then don't take them)? Or start stop start (start benefits, stop them, then re-start them)? Or--just as important--when and how to use these techniques? Get What's Yours covers the most frequent benefit scenarios faced by married retired couples, by divorced retirees, by widows and widowers, among others. It explains what to do if you're a retired parent of dependent children, disabled, or an eligible beneficiary who continues to work, and how to plan wisely before retirement. It addresses the tax consequences of your choices, as well as the financial implications for other investments. Many personal finance books briefly address Social Security, but none offers the thorough, authoritative, yet conversational analysis found here. You've paid all your working life for these benefits. Now, get what's yours"-- "Three personal-finance experts explain the secrets to maximizing Social Security benefits that could bring eligible retirees thousands of dollars more each year"--… (mer)
Medlem:androsmcmurphy
Titel:Get What's Yours: The Secrets to Maxing Out Your Social Security
Författare:Laurence J. Kotlikoff (Författare)
Info:Simon & Schuster (2015), 336 pages
Samlingar:Ditt bibliotek
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Get what's yours av Laurence J. Kotlikoff (2015)

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(2015) Very good practical guide for maximizing Social Security benefits over your lifetime. Paul Solman does many interesting economic pieces on PBS Newshour & that was where I found the book.Review?Getting smart about Social Security can put tens of thousands of extra dollars in your pocket. With that in mind, start by reading, Get What's Yours. . . . The book translates¥into often-entertaining EnglishÂ¥the many convoluted rules that make up the Social Security program. . . . [Does] a great job of helping you make sense of, and get the most from, Social Security. . . . Invaluable.? (Glenn Ruffenach The Wall Street Journal)?An indispensable and surprisingly entertaining guide for anyone who is retiring or thinking of retiring with all of the Social Security benefits they've earned.? (Jane Pauley)?Choosing when to take Social Security is one of the biggest decisions of your life. By doing it right, you can add hundreds of thousands of dollars to your lifetime income and leave more money for your spouse as well. This great book tells you how . . . and it's funny, too!? (Jane Bryant Quinn, author of Making the Most of your Money NOW)?Social Security is the biggest source of retirement income for many Americans . . . that just means that [Get What's Yours]'s tricks and tips will be ever more relevant. . . . Given that there are 2,728 core rules and thousands more supplements to them according to the authors, it pays, literally, to seek out a guide.? (Ron Leiber The New York Times)?I love this book! Seriously! Who could ever guess that reading about Social Security could be this entertaining? And if you think you know enough about the subject, you would be wise to think again. Smartly written by an all-star, financial expert dream team, the engaging, down-to-earth prose makes Get What's Yours the definitive guide to maximizing what is, for many, the most important retirement asset by far. From determining the best age to claim (hint: it's not what you've been told) to figuring out the intricacies of spousal benefits to avoiding the ?gotchas' that can reduce your checks, this must-read guide is truly that. And don't be surprised if you actually enjoy it!" (Beth Kobliner, author of Get a Financial Life)?[Goes] a long way in educating the public and financial advisers about this important lifetime benefit. Get What's Yours is a fun read for advisers with a slightly snarky tone that puts the absurdity of the program's more than 2,800 rules into perspective.? (Mary Beth Franklin Investment News)"The Social Security system has 2,728 core rules. You can't be expected to learn them on your own, and you can't depend on Social Security staff members to guide you through them to make the right decisions. Use a financial planner with expertise in Social Security, or read and reread an excellent book such as Get What's Yours, to make the decisions that will provide you and your family with the most benefits." (Elliot Raphaelson The Chicago Tribune)?[A] can't-miss guide to the system. . . . Clear enough for even the most intimidated reader, with a concluding cheat sheet helpfully summing up the book's suggestions. The authors' palpable fervor to help readers get back what they've paid will energize readers to claim what is rightfully theirs.? (Publishers Weekly)?Just what we need: a clear explanation of how Social Security worksÂ¥and how to get the highest benefitsÂ¥without reading all 2,728 rules of the Social Security system.? (Library Journal)About the AuthorLaurence Kotlikoff is William Fairfield Warren Distinguished Professor and Professor of Economics at Boston University and president of Economic Security Planning, Inc., a company specializing in financial planning software.Journalist Philip Moeller writes about retirement for Money, the PBS website Making Sen$e, and others. He also is a Research Fellow at the Sloan Center on Aging & Work at Boston College.Paul Solman is the longtime business and economics correspondent for PBS NewsHour and teaches at Yale University and Gateway Community College.
  derailer | Jan 25, 2024 |
Get what's yours, the secrets to maxing out your social security By Kotlikoff_ Laurence J - Solman_ Paul - Moeller_ Philip
Sounds like so much information, take notes so you can get the most out of the SS system.
So many tips and so much information you have to listen to it a few times to make sure you get it all.
I received this book from National Library Service for my BARD (Braille Audio Reading Device). ( )
  jbarr5 | Jan 22, 2016 |
I found this to be a really good book about when to claim Social Security benefits. What I learned from reading this book should gain me thousands of dollars in the future. ( )
  RodMerrill | Oct 13, 2015 |
This book thoroughly discusses all aspects of Social Security so that readers can avoid making uninformed decisions that can irreversibly cost them tens of thousands of dollars over their retirement. Sometimes, I got lost in the details and the terminology. Maybe it's not possible with such a complicated subject, but some simplified explanations would help. I found Jim Blankenship's A Social Security Owner's Manual to be more accessible, but this book discusses topics like disability, divorce, and survivor benefits in greater detail. ( )
  proflinton | May 19, 2015 |
More of an eye opener than a how to do it book. It clearly shows that planning for Social Security is a lot more complicated than just assuming you'll retire and file. Based on a plan that differed from what I think we were going to do we're going to get about $35K more than we anticipated in the first three years of retirement, and over $200K through both my and my wife's estimated life span.

------

New review as of 12/28/15: Unfortunately the authors really need to update this book with the recent changes in Social Security law. Many of their examples do not work if you are not at least 62 by 12/31/15. If, like I, you are not 62 by the end of 2015 the strategy of filing and then suspending is no longer an option. This was a critical component of their book. ( )
  billlund | Apr 5, 2015 |
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» Lägg till fler författare

Författarens namnRollTyp av författareVerk?Status
Laurence J. Kotlikoffprimär författarealla utgåvorberäknat
Lee-Mui, RuthFormgivaremedförfattarevissa utgåvorbekräftat
Lin, ChristopherOmslagsformgivaremedförfattarevissa utgåvorbekräftat
Moeller, PhilipFörfattaremedförfattarevissa utgåvorbekräftat
Smart, RoelOmslagmedförfattarevissa utgåvorbekräftat
Solman, PaulFörfattaremedförfattarevissa utgåvorbekräftat
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I dedicate this book to the flower of my life-Bridget Jourgensen --LAURENCE KOTLIKOGG
To Cheryl and the joy of seeing you every day--PHILIP MOELLER
To my grandchildren: Bella, Joe, Will, Finn, Bridget, Anderson, and Hadley.--PAUL SOLMAN
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This book was born of a simple question-How old are Paul and his wife?
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"The regulations that require a notice for an initial determination contemplate sending a correct notice. We consider that an initial determination is correct even if we send an incorrect notice."

ALL QUOTES FROM OFFICIAL SOCIAL SECURITY RULES
The formula that determines your full retirement benefit, or PIA, based on your lifetime earnings base, or AIME, is progressive. This means it gives lower-wage workers–those with low earnings bases–a disproportionately better deal. In 2016, for example, the full retirement benefit formula is 90 percent of the first $856 of your monthly earnings base, plus a much lower 32 percent of the base above $856 through $5,157, plus a mere 15 percent of he earnings base over $5,157. These different percentages are applied at what the agency calls "bend points," which are adjusted each year based on the growth in economy-wide average earnings.
Starting January 1 of each year, Social Security raises all the benefits it's paying out by the rate of inflation that occurred between the prior two Octobers, as measured by a widely used version of the Consumer Price Index.
If you're in the RIB-LIM world, your survivor or divorced survivor benefit will depend on whether you take your benefit early and also how early. If you take it as early as possible–at 60 (50 if you are disabled)–you'll get 71.5 percent of your former spouse's PIA. If you take it closer to your Full Retirement Age, you'll get the larger of the reduced retirement benefit your spouse was collecting or 82.5 percent of your spouse's PIA.
When two or more earners have filed for retirement or disability benefits, or have died, there's another "however": It's possible ancillary benefits based on their earnings records would be subject to a higher combined Family Maximum Benefit. The rules for computing this higher maximum are, as you might have guessed, very complex. But if you're in this situation, be aware that these higher limits might be available, and ask Social Security about them.
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"Learn the secrets to maximizing your Social Security benefits and earn up to thousands of dollars more each year with expert advice that you can't get anywhere else. Want to know how to navigate the forbidding maze of Social Security and emerge with the highest possible benefits? You could try reading all 2,728 rules of the Social Security system (and the thousands of explanations of these rules), but Kotlikoff, Moeller, and Solman explain Social Security benefits in an easy to understand and user-friendly style. What you don't know can seriously hurt you: wrong decisions about which Social Security benefits to apply for cost some individual retirees tens of thousands of dollars in lost income every year. How many retirees or those nearing retirement know about such Social Security options as file and suspend (apply for benefits and then don't take them)? Or start stop start (start benefits, stop them, then re-start them)? Or--just as important--when and how to use these techniques? Get What's Yours covers the most frequent benefit scenarios faced by married retired couples, by divorced retirees, by widows and widowers, among others. It explains what to do if you're a retired parent of dependent children, disabled, or an eligible beneficiary who continues to work, and how to plan wisely before retirement. It addresses the tax consequences of your choices, as well as the financial implications for other investments. Many personal finance books briefly address Social Security, but none offers the thorough, authoritative, yet conversational analysis found here. You've paid all your working life for these benefits. Now, get what's yours"-- "Three personal-finance experts explain the secrets to maximizing Social Security benefits that could bring eligible retirees thousands of dollars more each year"--

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