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Table of Contents for this issue.....
1.
Authors
Comments
2.
Q & A,
Suggestions and Comments
3. Google Keyword
Tool Change
4. Make Your
Knowledge Sell is free
5.
SPEND til THE END
6.
Double Dip on Social
Security
Author's Comments
Yes, I know that this issue of Boomer
eZine is late. I apologize, but I spent last week working super hard at
my day job so Linda and I could leave on Thursday for a short vacation to
the Texas Hill Country.
We met friends there that we get
together with twice a year. We floated the Guadalupe
River on Saturday and Sunday. If you have never floated a river, it
consists of lying in an inner tube and floating down the river with your
friends while you visit and get caught up on what has happened since you
last were together. One person is in charge of the “beer tube” which
carries the ice chest with liquid refreshment.
This is about the most relaxing past
time that I know.
With that explanation, you can see why I
have not knocked myself out trying to get this issue published right on
the deadline.
Q & A,
Suggestions and Comments
If you have anything for this section
or you have a suggestion for a topic for an article,
please use this
suggestion form to give us your suggestions or your input. With
your help, we can improve the Boomer eZine. This link will open a new
page. Close the page to return to Boomer eZine.
Google
Keyword Tool Change
I sent information about Google changing
it keyword tool in my mid-month reminder email, but I want to revisit the
subject here.
Here is a picture of the tool with the
results of the keyword “retirement”. The Advertiser Competition is still
shown in the green bar graph format, but the current monthly search volume
and the average search volume are shown in approximate numbers.
This is very helpful when you are trying
to determine if there is enough (or too much) traffic for a particular
keyword. You need enough traffic to support your website, but if the
keyword is too popular, you will have a difficult time ranking high for
the keyword in the search engines.
You can access this tool at
https://adwords.google.com/select/KeywordToolExternal
Make
Your Knowledge Sell is free
Have you thought about writing a book
about something that you really like? You think, “I want to write that
book, but I just don’t know how to do it.” Well, now you can get the help
you need.
Ken Evoy wrote a book to help people
write ebooks called “Make your Knowledge Sell”. He charged $49.95 for
this book for many years, but now he has dropped the price of it ZERO.
That’s right. It’s free.
Go to the
Site Build
It site and read about the book. You can download it if you feel that
it can help you write that book you have dreamed of writing.
SPEND til THE END
I heard about the new financial advice
book SPEND til THE END by Laurence Kotlikoff and Scott Burns when I
was studying retirement calculators so I decided to buy it.
I received it from Amazon and started
reading it. I was impressed with it and thought I that
as an Amazon affiliate could sell
it on the Internet .
I checked the domain names and spendtiltheend.com was purchased but it was not a developed site. Spend-til-the-end.com
was available so I bought it. I have built the site on Hostmonster.com as
another non-SBI site. I am not using Site Build It for this site since it
is a niche site with limited income potential and probably will have a
short life during the popularity of the book. SBI is too expensive for
this site.
As I write this issue, for the keyword
“spend til the end”, the site is ranked number four on Google, number one
on Yahoo, and number one on MSN/Live.
The goal of this site is to interest readers in
the book and then direct them to the purchase page on Amazon.
Remember that being an entrepreneur is
recognizing an opportunity and then taking action to take advantage of the
opportunity.
Check out the
SPEND til THE END website.
Double
Dip on Social Security
Author’s Note: You may be a few
years from being eligible for Social Security, but this tip might make a
sizable difference in the SS benefits that you can draw in your lifetime.
This double dip will work if your
spouse’s individual SS benefit is low enough that your spousal benefit
that he/she can draw at your full retirement is larger than his/her
individual benefit at full retirement. The spousal benefit is one-half of
your full Social Security benefit.
Where can you find how much these
benefits will be? You will find it in your Social Security Statement that
you are sent each year by the Social Security Administration.
Here is the article that I wrote for
Ezinearticles.com.
We have all heard that since we are
living longer, we should wait as long as possible to start drawing Social
Security benefits. Those of us born 1937 or earlier can take full
retirement at 65. From 1938 - 1943 the full retirement age is graduated
between 65 and 66. From 1955 - 1960 the full retirement age is graduated
between 66 and 67. If you were born 1960 or later, your full retirement
age is 67.
You can start drawing Social Security
benefits when you reach age 62, but those benefits are reduced twenty
percent below what they will be if you wait for your full retirement age.
Waiting for your full retirement age
does not always make sense as you will see. You can double dip on Social
Security as follows.
Until I read the new financial advice
book, SPEND til THE END, Linda and I had decided to wait until our
full retirement age to start drawing our Social Security benefits. This
book showed me that we were leaving over $19,000 in benefits unclaimed.
Let me give you a little
background. I have worked in an executive job most of my life so I will
draw the maximum social security benefits. My wife, Linda, worked in jobs
that withheld Social Security, she worked as a stay at home mom for many
years when our children were young, and later, she worked as a teacher in
a public school system that did not withhold Social Security.
Linda receives a small pension from
the Teacher Retirement System for her teacher employment. Her Social
Security benefit is fairly small, because she did not earn much under
Social Security and her Social Security benefit is reduced because of her
teacher's pension.
This means that she can draw her own
social security at age 62 and when she reaches 66, she can start to draw
benefits from my account as my spouse. The standard Social Security
spousal benefit is one-half of the other spouses benefit. Her spousal
benefit on my account even after reduction for her teacher's pension will
be much larger than her individual benefit.
Her benefit from 62 to 66 will be
approximately $400 per month after reduction for her teacher's pension. At
66, she will apply for spousal benefits under my account and start
receiving it at the full retirement amount. This is the double dip.
If I had not read SPEND til THE
END, we would have waited until she turned 66 to start drawing
benefits. That would be 48 months of Social Security payments that we
never would have received (approximately $19,200). And when she starts
taking the spousal benefit, it will be more than her individual benefit if
she had waited until age 66 to start drawing her own benefits.
This is just one of the many gems of
wisdom in SPEND til THE END. It is revolutionary in its thinking. I
recommend it to improve your standard of living now and after you retire -
SPEND til THE END.
That wraps up this
issue. Until next month, stay tuned.
John and Linda Howe
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