4/14/2019 1 comment Home>>designer bags cyber mondaydesigner bags cyber monday 1If you work while receiving early retirement benefits, Social Security is likely to reduce your benefits, depending on how much you earn when you retire.
Because Social Security retirement benefits plus savings and other investments are often not enough to live on comfortably, many people keep working for at least a few years after they claim Social Security early retirement benefits. Other people keep their jobs or take new ones to stay active and involved in the world of work. If you keep working at a high enough salary, you may increase your lifetime earnings average, thereby slightly increasing your retirement benefits for the years to come.
If you are already receiving your retirement benefits, a special higher earnings limit applies in the calendar year you turn your full retirement age (67 for folks born in 1960 or later). If you will reach full retirement age in 2023, you can earn up to $4,710 per month without losing any of your benefits, up until the month you turn 67. But for every $3 you earn over that amount in any month, you will lose $1 in Social Security benefits. Beginning in the month you reach full retirement age, you become eligible to earn any amount without penalty.
How Do You Report Earnings During Early Retirement?
But Social Security does request earnings estimates from some recipients: those with substantial self-employment income or those whose reported earnings have varied widely from month to month, including people who work on commission. Toward the end of each year, Social Security sends these people a form asking for an earnings estimate for the following year. The agency uses the information to calculate benefits for the first months of the following year. The SSA will then adjust the amounts, if necessary, after it receives actual W-2 or self-employment tax information in the current year.
Once retirees reach full retirement age, Social Security will no longer check their income. Because there is no Social Security limit on how much a person can earn after reaching full retirement age, there is nothing to report.
If you claim retirement benefits more than 36 months early, the per-month reduction is not quite as harsh. The SSA has a different calculation for the months over 36. For example, if you start claiming benefits 60 months before you turn 67, your benefit will be reduced by 30% (36 x .556% plus 24 x .417%). The earliest you can claim retirement benefits is 60 months before your retirement age.
Updated January 30, 2023
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4/7/2019 1 comment designer bags cyber mondayIf your Amazon packages miss their guaranteed delivery date, you might qualify for a refund. Learn how to get an Amazon late delivery refund.
Unavoidable issues: Sometimes, things come up that are out of Amazon's control. Severe weather, natural disasters, or worker strikes may cause late deliveries. If this happens, your purchases don't qualify for a delivery guarantee.
You should find your most recent orders at the top of the page under the heading "Do you need help with a recent item?"
3. Pick your desired outcome
Sometimes, the quickest way to get your refund is to start a live chat session.
If you want to chat with an agent, log into your Amazon account, follow the steps above, pick "I need more help," and choose "Chat with us."
You order something you need on Amazon, expecting it to get there at the promised time. When it's late, you have to rush out and buy it somewhere else.
Thankfully, the Amazon guaranteed delivery policy comes in clutch so you can get a refund.
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A recent academic research paper examined the prevalence of paid customer reviews on Amazon, and how the company and shoppers responded to them. The researchers found that Amazon is deleting a large share of ratings for which merchants paid, as these violate the company's rules. But in most instances Amazon didn't act fast enough, so people were still influenced by the bogus reviews.
Google: Starting in December, Google will begin deleting personal accounts that have not been used in at least two years as part of an effort to address security risks.
The researchers found that Amazon eventually deleted roughly one-third of the bogus reviews, but typically only after an average lag of more than 100 days. Long before then, unhappy customers left a significant number of one-star reviews, a sign that they didn't like what they bought and possibly even felt deceived by it.
When companies fuel people's suspicions
Apple agreed on Wednesday to pay $113 million to settle an investigation by more than 30 states into its past practice of secretly slowing down older iPhones to preserve their battery life, my colleague Jack Nicas reported. In 2017, Apple acknowledged that it had reprogrammed its software to slow down phones with older batteries in some circumstances to prevent them from shutting off unexpectedly.
How are your 4-year-old's Zoom skills? Bloomberg News wrote about elite private schools in New York that are conducting web video interviews of potential kindergarten students. Predictably, test-prep companies and consultants charging up to $195 an hour are coaching preschoolers on how to make a good impression over video.
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