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Lost & Found


Video Lost: Cat, black and white, last seen the evening of Sept. 29 in the Woodcreek Subdivision area, La Vernia. Reward for his safe return. Call Richard, 830-779-2080 or 210-776-4930.

VideoFound Puppy - long haired dachshund found on Old Corpus Christi Rd several weeks ago. I have posted his picture everywhere, to no avail. Please help! 210-355-1594 call or text!

VideoLost Dog! Golden/Pyrenees mix, Kaiha, was last seen October 11 - Hwy 119 - Denhawken area. Was wearing collar (Drama Queen). Please help us find her! Call Billy 210-745-6059. Thank you!
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Help Wanted

The 81st & 218th Judicial District Community Supervision and Corrections Department (Adult Probation) is currently seeking a qualified applicant for the position of Supervision Officer for ATASCOSA COUNTY. Requirements: A Bachelor’s degree recognized by the Texas Higher Education Coordination Board in Criminology, Corrections, Criminal Justice, Law Enforcement/Police Science, Counseling, Pre-Law, Social Work, Psychology, Sociology, Human Services Development, Public Administration, or a related field that has been approved by the Community Justice Assistance Division (CJAD), or one year of graduate study in one of the above mentioned fields, or one year experience in full-time casework, counseling, or community or group work that has been approved by CJAD.  This position requires some evening and/or weekend work. Salary: Negotiable, plus Regular State benefits. Closing Date: Resumes will be taken until November 4, 2014. Procedure: Applicants should submit a typed resume and copy of college transcript to: Mario Bazan, Director, 914 Main Street, Ste #120, Jourdanton, TX  78026 The 81st & 218th Judicial District Community Supervision and Corrections Department is an Equal Opportunity Employer. 
Public Speaking/Customer Service, La Vernia fundraising company seeking enthusiastic presenter for busy season. Conducts kickoff presentations for fundraisers and reviews sale strategies with school to maximize school profits. Deliver/pick-up materials at local schools. Flexible schedule required. Must have reliable transportation and be able to travel in and around greater San Antonio area. Occasional overnight travel possible. Must be able to lift 25 lbs. Customer service/sales experience preferred. Flat pay rate for each presentation plus commission. For right person, position duration may be extended with a greater focus on sales. Apply in person at 1371 FM 1346, La Vernia, TX. No phone calls please.
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Savvy Senior


Boosting SS checks




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Disclaimer:
Jim Miller is responsible for this content, which is not edited by the Wilson County News or wilsoncountynews.com.
Jim Miller
The Savvy Senior
May 22, 2013 | 1594 views | Post a comment

Dear Savvy Senior,

I’ve heard that there are strategies available that can help married couples increase their Social Security benefits when they retire. My wife and I are approaching retirement age and would like to understand these options. What can you tell us?

Getting Prepared

Dear Getting,

If you’re willing to wait to full retirement age and beyond, married couples have several unique claiming options that could actually add tens of thousands of dollars to your Social Security checks over your retirement. Here’s what you should know.

Waiting Strategy

Before we go over the different benefit boosting options for married couples, it’s important to know that the most commonly used strategy for increasing retirement benefits is to delay taking them.

While workers can start collecting their Social Security retirement benefits as early as age 62, postponing them to full retirement age (which is 66 if you were born between 1943 and 1954), or better yet to age 70, can make a big difference.

Let’s say, for example, that you’re eligible for a $1,200 monthly benefit at age 62. By waiting to 66 your monthly benefit would increase to $1,600. And by delaying to age 70, you would boost your benefit a whopping 76 percent to $2,112. Delaying will also increase your wife’s survivor benefit if you die first. Waiting, however, beyond age 70 will not increase your benefits.

Claim and Suspend

In addition to waiting, Social Security also offers two other little known strategies for married couples, but you must be at least full retirement age (currently 66) to use them.

The first one is called “claim and suspend” (see ssa.gov/retire2/suspend.htm) that allows a worker at full retirement age to file for Social Security so their spouse can begin collecting a spousal benefit, but asks to receive their own benefit later.

This is best suited for one-earner couples where one spouse worked full-time and the other spouse did not work outside the home or did not work long enough to qualify for Social Security retirement benefits.

Here’s an example of how it works: Let’s say that you are age 66, but want to keep working until 70 to collect a higher benefit. Let’s also say your wife is a nonworking spouse who just turned 62 and would like to start receiving spousal benefits on your work record. The problem is she can’t get them until you sign up. So you file for your Social Security benefits but request an immediate suspension, which allows your wife to claim spousal benefits, without locking you into a lower payment for life. Then when you do decide to start collecting, at age 70, you end the suspension and receive a higher benefit for delaying.

This strategy can also be used if you have children under 18, or 19 if they are still attending high school, or are disabled. Each dependent child is eligible for up to 50 percent of the retiree’s full benefit. And, if any child is younger than 16, your spouse can also qualify for additional benefits as a caregiver, even if she’s under age 62.

Claim Twice

For two-career couples, the second strategy known as “claim twice,” lets you collect Social Security (at full retirement age) first as a spouse and later using your own work record.

Here’s how it works: Let’s say that you are 66 and would like to continue working until age 70. But, your wife started collecting her benefits on her own work record at age 64. You could file a “restricted” application with Social Security and collect a spousal benefit, which is half of what your wife gets. Then, once you reach 70, you stop receiving the spousal benefit and switch to your own benefit, which will be 32 percent higher than the benefit you would have collected at your full retirement age.

Jim Miller is a contributor to the NBC “Today” show and author of The Savvy Senior book. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org.
 
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