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Born in the 50s

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Members: 578
Latest Activity: 2 hours ago

Comment Wall


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Comment by Slick 2 hours ago

Seashell....will you be near the ocean or near your kids? either one? I don't want to move too far from my kids...I saw a group of Condos that I love the area....but I;m not so sure it[s a good financial move...there is more there then here....I have already about 2 years ago lost at least $35,000 on the house....I don't want to lose more...and apartments are more then my mortgage....such a hard decision...Bill has been gone almost 5 years...and it's taken me this long to even want to move....but am just not ready to make the decision...

Comment by Snow 6 hours ago

I was reading the info Judy posted about SS and the comment by lyn, which was good advice.  I just want to add that my husband and I were only married about 7 1/2 years. He was also only 51 when he died.  He was on SSDI at the time and I turned 60 the month he died so I was able to collect benefits through his SS, it uses his SS number. I do know that you can make money even if you get these benefits, so as lyn said check with SS for more info.Good Luck

Comment by judy 7 hours ago

I'm going to have to check into this - today I just happened to check on my checking account and I was ($4.40).  Thank goodness have still some savings.  I need to make an appointment but going to try and see if I can do it via the phone.  Since I work temporary any time off I don't get paid for.  Such a vicious cycle.

Comment by Seashell 12 hours ago

Slick: I understand your dilemma. I have been going round and round about selling my place and leaving it since my husband died 2-1/2 years ago. I have had to fix it up and I don't think I will ever recover those costs. My heart yearns to be closer to the ocean but I am also wanting to be closer to my children. Unfortunately they live where it is cold most of the year. I want to be active outdoors in my later years and I need a warmer climate for that.

Comment by Slick 12 hours ago

Seashell...wishing you the best....I still can't make that day I;m selling my house and buying a Condo..the next day..."why would I do that" ....if I had a clue as to where to go it would be's hard when you have to costs......hope all works out for you...

Comment by Seashell 12 hours ago

I attended a 55 plus fair this past weekend and made an appointment to talk with a financial counselor on what my options will be for Social Security. I will also be looking into what my insurance options will be should I choose to retire earlier. I understand that now will be the time to pull tighter on my spending - a difficult thing to do since I am the one that has to travel to see family and friends.

Comment by Dianna64 on Tuesday
After 8 weeks, I am still doing paper work and filing papers in between crying fits. Tackling SS is hard as they want an original marriage license and the county where I was married is very slow. I may need to reapply. Ugh!
Exhausted All The Time.
Comment by lyn on Monday

There is a minimum amount of time that you must be married to collect on a spouse's SS. Some of the SS applications talk about reporting all marriages 10 years or longer so that could be it. A call to them would answer that for sure.  I would recommend looking at the website  If you are able to get to a SS office I would really recommend it, as there are so many different scenarios. As others have said here, if you are working and file for SS before full retirement age, it can affect how much you will receive, in addition to the reduced benefit.  This is from the SS website:  

  • We use the following earnings limits to reduce your benefits: If you are under full retirement age for the entire year, we deduct $1 from your benefit payments for every $2 you earn above the annual limit.

For 2015 that limit is $15,720.

  • In the year you reach full retirement age, we deduct $1 in benefits for every $3 you earn above a different limit, but we only count earnings before the month you reach your full retirement age.

If you will reach full retirement age in 2015, the limit on your earnings for the months before full retirement age is $41,880.

When I went in at 60 (they would not see me before) I got a printout that showed what my widow benefit would be from age 60 through full retirement age and also what my own benefit would be from age 62 though 70.  If you cannot get to an office they will answer some questions over the phone (more general and not specific dollars I found).  I would recommend getting as much information as you can before making a decision, because if you file for reduced benefits then that is it unless your own benefits are higher later and you can switch to them.  Good luck

Comment by judy on Monday

This is my first time writing here and I know you can collect on your husbands Social Security if you have hit 60.  But my question is does it matter of how long you were married?  I'm struggling alot financially and this would certainly help me but I am also working.  I have a temporary job and have been looking for something permanent.  Thinking of trying to collect but my husband was under the age of 60 when he died - he was only 51, plus he was on disability.  Does that also have anythinig to do with things?

Comment by Seashell on Monday

This is my first time writing in here. I have been a widow for 2-1/2 years and will be 59 this month. As time gets closer to retirement I am looking forward to it but also a little scared because I had been counting on two incomes for my husband and my retirement. I will be meeting with someone to talk over my options. I am close enough to retirement that I feel I should stay with this job until I am retired (my company has their own plan along with the 401k and I have 3 years before I can collect theirs) but part of me wants to move to another area to live. Has anyone done this?


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