Connect with us

How To

8 Common Social Security Issues You May Come Up Against

Published

on

social security issues

A whopping 64 million people are pulling from the United States social security system. As more people move into retirement age, that number is steadily increasing.

Many questions regarding social security issues have been hot topics of discussion lately. People lament on the system running dry, not enough people having children to pay into the system, and other snags they feel are likely to derail the program.

If you’re somebody that’s looking to collect social security in the future, there’s certainly reason to worry. A lot can go wrong with your ability to collect on the benefits you’re entitled to.

Are you curious to know exactly what might keep you and your social security payments apart? If you are, keep reading to fuel your need to know!

  1. The Social Security Pool May Run Dry

Among the many social security issues that are discussed widely, the program running dry is the most common complaint we hear.

For the uninitiated, social security is a program that relies on the contributions of current workers to pay for the lives of current retirees. For the system to work, you need less retired people than you have people working and paying into the system.

That balance has been threatened lately with less young people in the workforce and more people marching towards retirement age.

You must have a backup plan should the program ever cease to be able to make payments to you once you’re eligible to collect.

  1. Benefits Won’t Increase With Cost of Living

Social security is meant to increase to counter inflation. That’s not to say though that it always does.

The government relies on certain indexes to determine inflation and in some cases, that index doesn’t pick up large enough movement to trigger additional payments. This has created conditions where during some years, raises in social security were not distributed despite many agreeing living costs had risen.

  1. You’ll Need It Sooner Than You’re Eligible

If you ask somebody on the street when they’d be able to start collecting social security payments, most would tell you 65. They’d be wrong.

As people have started living longer and money has become tighter, social security has adjusted the age of eligibility to 67 years old.

For the people that aren’t prepared for the two-year increase, it can present a problem figuring out how to pay the bills during the gap.

  1. Opening up Benefits to Undocumented Migrants

Contrary to popular belief, undocumented migrants are not ineligible to collect social security payments. Some do pay into the program though by obtaining false identification and their employers withholding money from their paychecks.

In theory, this creates a net benefit for people that are here legally and can collect that additional social security money without having to share it.

As the political climate changes though, calls for undocumented people to be able to collect on a program that some of them pay into has picked up steam. If concessions were made to these asks, there’s a possibility that the social security pool could dilute further.

  1. Taxes May Hurt Your Ability to Live Off of Social Security

People look at their social security benefits or their social security disability payments and assume the money they get is theirs to use, free and clear. That’s not true.

Social security benefits are subject to federal taxes depending on how much money your collective annual income is when you add social security benefits to it.

It’s important to get an idea of how much of your social security dollars you’ll be eligible to keep so you can plan your lifestyle accordingly.

  1. Work Will Reduce Your Benefits

Stacking social security income on top of your work income will reduce how much you get in social security benefits. This is another popular social security issues topic of conversation that many people are unaware of.

Note though that reductions made to your social security payments due to your working are not permanent. Once you stop working, your benefits will rise back up to their maximum eligibility.

  1. The Government May Drain the Social Security Pool

It may sound counter-intuitive given the importance of the program but the government can and has borrowed from the social security pool for a variety of reasons. In every case, it has done a good job of refueling the money it takes out.

There is always a fear though that one day, a borrow will be made that can’t be replaced which would hasten the extinction of social security benefits.

  1. Technicalities Could Disqualify You From the Money You Expect

When you fill out an application for social security or some form of disability insurance and are denied, that can be a huge problem. Many Americans that think they have slam-dunk eligibility have been denied in the past so it’s a possibility you need to be prepared for.

There are social security disability attorneys out there that can help you fight against denied applications if you feel your denial was made in error.

Being Aware of Social Security Issues Is Your Best Defense Against Them

There is a bevy of social security issues Americans may run into when trying to collect against the program. We hope that by informing you of some of the most commonly cited ones, you can prepare accordingly and never get caught with less money than you need in your bank account.

Social security is a complicated topic that almost always begs more context. If you’d like additional information on it or other topics important to your life, check out the newest content in our blog.

 

Continue Reading
Comments

Education

How to Switch Careers During Lockdown

Published

on

online social work degree

The COVID-19 pandemic has brought job insecurity for millions of people. All around the world, employees in every sector have felt pressure and uncertainty regarding their jobs, whilst others have realized how short life is and how important it is to do a job they love. For some, the combination of both these things has been the push they needed to begin a new career.

In fact, between January 2020 (pre-pandemic) and May 2020 (peak pandemic), the following terms experienced a 100%+ surge in searches on Google:

I want a new job
Job change
How to move jobs
Move careers

If you’re in the same boat and are wondering how you can begin a new career in the middle of a global pandemic, don’t worry, it is possible, and here’s how.

Go Back to School

Depending on the field you’re thinking of going into, you might need to spend some time doing some courses. For example, if you dream of being social worker, take an online social work degree at an institution like Walden University. This is a great option for lockdown because you have plenty of time to do it at home, and it works alongside your current job or responsibilities. Some careers don’t require a degree, but undertaking a professional course could still set you apart from your competition. An example of this is animal welfare. There are so many careers centered around animal care that don’t require a bachelor’s, but taking a specialized online course from a provider like Animal Courses Direct could really distinguish you from other people applying for the role.

Network, Network, Network

A lot of the time, getting a job isn’t so much about what you know as it is about who you know. Being stuck in the house leaves plenty of time to get to know people online, and if you’re looking to switch careers, this is something you can really take advantage of. Hop on LinkedIn, cultivate your profile and create connections with those who work in the field you’re looking to get into. Start a polite conversation by interacting with their posts, be upfront about your interest in wanting to do something similar and ask for advice. Make sure your profile is complete and professional, and post examples of your work and credibility of your skills. There are lots of recruitment scouts on LinkedIn, too, so getting to know a few of them will also help you learn about new openings.

Don’t Just Quit

Surviving coronavirus has taken its toll financially on almost everyone, and that’s why if you are lucky enough to still have a job, don’t just quit. Competition to get a job is fierce at the best of times, let alone when millions have been laid off and the number of people looking for a job far exceeds the number of jobs available. This means it could be quite some time before you find an opening in your desired field, and for that reason, it’s essential that you keep hold of your current job until you sign on the dotted line for another one. If you have a pretty decent security blanket, quitting spontaneously could be an option, but you need to think hard about how long you might be out of work for and how long your savings can reasonably last.

Believe in Yourself

Confidence can get you far in life, and nowhere is that truer than the job arena. Lockdown has seen many people retreat to their homes, limit their social contact and generally question everything about their lives, but don’t let this affect your self-esteem. It’s easy to get bogged down right now, but if you prepare well enough, network with the higher ups and keep at it, there’s no reason why you can’t make the career change you’ve been dreaming of.

Continue Reading

How To

How To Create and Sell Online Courses?

Published

on

By

Sell Online Courses

Introduction:

If you want to search for the best course platforms for creating and selling your course, this article is for you. Nowadays, people want to develop their communication in online ways. They want to get knowledge and share knowledge with the online medium. People rely on the E-learning industry in this pandemic situation. So, you can get many opportunities through online courses. If you can create these courses perfectly,  you can sell these courses easily. That is a great way for you to improve yourself. People love your courses and buy these courses from you. So, you have to serious about this matter.

Create and Sell Online Courses:

In this pandemic situation, people have enough time to learn something new. They choose the online platform to gain knowledge. People want to know easily. An online platform is the best way for this knowledge. So, you should take some steps to create online courses. These courses have to effective for all people. You have to concern about this. If you can attract people, you can sell your courses easily. You can be the best source for them. This is a great time for you. This time is suitable for creating and selling online courses. You can make online course software. You can store your courses in the software. Every people can find all courses easily. Online courses are better than E-books. You should add videos, knowledge tests, notes, etc. These elements help you to improve your online course. You can create and improve your tutorials through online courses. Many people get your tutorials in a short time. You can sell these tutorials by an online course. There are many online platforms in the marketplace. They will help you to create your online course if you need it. When you want to create an online course, you have to know some information. Then you should make a decision which is the best platform for you. You should concern about your budget, then you should choose the platform that helps you to create online courses. You can engage your students with your course. We help you to choose the best platform to create and sell online courses. You get many ideas from us. You will get important guidelines from our website. These guidelines help you to create your online coursesand sell them also. It will be easy to createand sell online courses for you. There are many business software reviewson our website. You can get a clear concept about your business from our website. We give you all directions for your course. You can reach your online course to many people by our platform. We help you to reach your online courses and sell them easily. If you want to share knowledge and earn money, the online platform is the best way for you.

Conclusion:

At last, we can say that online courses are very important to you. If you want to develop your financial status in this pandemic situation, you should create online courses. We help you to create your online courses and sell them easily. You can gain a lot of money from these courses.

Continue Reading

How To

How to Prepare for An Alaskan Fishing Trip

Published

on

By

How to Prepare for An Alaskan Fishing Trip

With salmon, halibut, and many other fun and delicious fish species, it’s little wonder that Alaska is one of the most popular fishing destinations in the world. While almost any Alaskan fishing trip is sure to be blast, you can maximize your chances of success with a bit of proper planning. Here’s how to prepare for your next outing in Alaskan waters.

Choose What Type Of Fishing You’re Interested In

Before you get serious about planning the details of your trip, you’ll need to decide what your dream fishing adventure consists of. Some Alaskan anglers hit the Pacific Ocean in search of halibut, while others prefer targeting salmon in the rivers or from shore. You could also skip the more glamorous species aloegther and target trophy trout. Animal lovers can even plan excursions that maximize the chances of spotting bears and other impressive Alaskan wildlife. Think long and hard about what type of trip you would most enjoy.

Schedule Your Trip Around The Fishing Season

Keep in mind that different species tend to run in certain seasons. You won’t necessarily be able to show up and catch the exact fish species you’re after any old time of year. The winter, as you can imagine, does not grant many fishing opportunities. The spring, summer, and fall can all provide great fishing adventures, but you’ll need to make sure you’re hitting a particular location at the right time. Check online to see when the most popular species tend to make their largest runs.

Decide If You’d Like To Go With A Guide Or Charter Captain

Hiring a guide or going on a charter will greatly maximize your chances of catching fish. Even if you’re an experienced angler, you won’t know the ins and outs of the local waterways. Local Alaskan guides will know the inlets and rivers like the backs of their hands. When you pay for a charter, you almost always get your money’s worth. If you try to save some money and go out on your own, you might not get those trophy fish you were hoping for.

Buy Any Necessary Licenses

If you’re eighteen or over and you’re planning on fishing in Alaska, then you’ll need an Alaska sport fishing license. For non-Alaskan residents, anyone sixteen or older must purchase a license. Anyone who goes fishing without buying their license will be guilty of a crime. If you’re planning on fishing for king salmon, then you’ll also need a king salmon stamp. Don’t forget that buying your license is part of responsible angling.

Determine What Equipment You’ll Need

While most charter captains will provide rods, reels, and tackle, you should still consider stocking up on some basic supplies. If you’re going fishing on your own, then you’ll need to obtain your own equipment. Make sure to do some research about the types of fishing methods that are popular before you buy a rod or reel. If you don’t buy the right type or size of combo, you might not be able to fish effectively.

Pick Up Your Bait And Other Supplies
Once you’re ready to set on on your trip, you should consider picking up some bait. The specific bait you need will depend on the species you’re targeting. Salmon roe works great for salmon, while halibut prefers herring. You should also pick up hooks, weights, and other basic supplies to make sure you have everything you need once you get out on the water.

Continue Reading

How To

How To Get Rid Of Poor Valentine’s Day Gift Selection?

Published

on

Gift giving is best known for an annual celebration into a memorable event. This is especially true for Valentine’s Day gifting as well. A good quality present is mainly popular for adding an extra edge of happiness to your pleasant occasions or that of your loved ones. It is usually filled with optimum beauty and creativity at each level that no normal human being can ever afford to disapprove of in any way. Most of the festive offerings are usually powered to bring your dearest ones closer to you in style without any touch of vulgarity. They are usually available in a wide range of colors, sizes, designs, shapes, patterns and textures to choose from, which often makes them the first choice of every day. The best part about gift-items of this nature is that they can be instrumental in making a happy festivity even more enjoyable by seamlessly matching its theme. This write-up is the final destination for all those people who are interested in knowing about ways to avoid poor gift selection.

Survey The Market Well:

The very first thing that comes to the mind of an average human being while planning to purchase a mind-blowing Valentine’s Day present is surveying the market well. This will greatly help you get the maximum value for your money. It is not at all as simple as most people think and often takes much time. You would do better by proceeding at your own speed to rule out the possibility of a gross wrong selection that can often be especially frustrating on your part. Think about comparing the prices offered by the various gift stores in your area. In case you often fail to visit the festive stores in your locality due to a busy schedule or some other reason, then order Valentines Day gifts from a popular gift outlet as not all of them provide fast and reliable service. The biggest hassle that most people face while planning to purchase quality offerings is that almost all the businesses involved in this claim themselves to be the most professionally run, which is not at all right. It is always advisable to ask your close ones or relatives for some reference before making your mind to work with a given business.

Have a clear idea regarding the likes and dislikes of your loved ones that would often be seamlessly easy for you. In case you lack much knowledge on this topic, then think about seeking some assistance from the known ones or family members of the recipients.

Make a point to work with a well-known gift outlet that usually has a huge collection of premium quality offerings to choose from at an affordable price. Prefer to pick the type of online gifts that would surely be liked and appreciated by your special ones.

Avoid Overspending:

Did you know that most people tend to overspend during the festive season to improve their image as a giver? This is not at all desirable and what must always have in his/her mind how much to spend on a given present. People make the mistake of buying expensive presents for your family members neglecting the fact that there are many other people for whom they need to purchase a gift item. Things often start like this, you see a pricey sweater for your close ones and go for it instantly without focusing on its quality or whether it really justifies the cost. The better option would be to keep in mind that there are many other areas in which you need to invest your valuable cash.

Remember to have a close look at the budget, which is an integral part of your shopping. Make an estimate of the money that you are comfortable investing in quality gift-items. Men and women with a slightly tight budget are free to pick small-sized gifts that are often affordably priced.

Be Creative And Thoughtful:

Another extremely important thing that you cannot afford to neglect while buying Valentine’s Day presents is remaining thoughtful and creative. Stay away from assuming that you know the recipients best. Rather, pay attention to what others are saying about the kind of people they are. Gone are the days when you find them jumping into the air after receiving a good quality present from your side.

Make sure to valentines day cake online through a professionally run online portal that will certainly earn you a lot of positive compliments.

Hope the above-mentioned guidelines would surely help in you making sure your Valentine gift selection is not wrong.

Continue Reading

How To

How to take the perfect selfie: Tips for your best photo!

Published

on

By

perfect selfie

Let’s say things by name – in today’s everyday life we spend a lot of time taking a lot of selfies trying to find the perfect shot, the most flattering pose, and the ideal smile, but how do you take a really good picture?

You know what I’m talking about: Your hair looks flawless, your skin, your teeth shiny, your clothes carefully, the environment.. You want everything to look so perfect and thoughtful and you want to look like you accidentally took a shot of the moment!

Okay, I may be exaggerating (it’s not Instagram all our lives), but there are ways to highlight how happy and confident you are with the photos you choose to post on social media – or randomly send them to your contacts.

You won’t judge yourself by the likes you’ll collect, but if you want to take a nice selfie – or just don’t know how to take it – below you’ll find a guide to help you.

From knowing what your best angle is to understand what equipment and filters you need to get the most out of your image, below you’ll find tips and ideas to help you become a master of selfies!

Make sure you have the right equipment

I’m sure you’re happy with your smartphone (it takes great photos and has Snapchat filters), but keep in mind that it’s not just the mobile camera you can use for a good photo. You may want to invest in a normal camera (and yes, they still exist).

Many fashion bloggers have confirmed that they use a normal camera for the shots with most using the Olympus PEN E-PL7, photographing squares, with wonderful clean images and you can edit your photos directly from the mobile while still on camera! Another plus on this camera is that it has a camera coming down and it helps you see that moment of the footage you’re taking.

You can get your self a selfie drone. Selfie drones are drones that have the ability to follow you around and take photos of you without even holding them. Basically, they float around you and take pictures while you take awesome poses.

The best part is that you don’t need to spend an arm and a leg to get your hands on such equipment. Popular shopping blog Techodom is featuring an article with the Best Selfie Drone Under 100 Dollars for 2021. You should check it out.

If you enjoyed reading this article, please share it with your friends and family and any other aspiring influencer out there.

Continue Reading

Trending