Are We Filing for Social Security Too Quickly?

These days, many people are living longer than they expect. There a significant amount of senior citizens in the 80’s and 90’s who are either in assisted living facilities or receiving regular home care. Many of these seasoned citizens didn’t expect to live past their late 60’s or early 70’s. This means that they may not have established a financial plan for this portion of their lives, and could have claimed Social Security too early.

According to Forbes, about two-fifths of all Americans receive retirement benefits around the age of 62. By doing so, many American pass up their chance to get 76% higher benefits by not waiting until they are 70 to claim retirement. Only 2% of Americans start claiming Social Security retirement once they turn 70.

Forbes asserts that there are three main reasons for this. The first reason is that many people are low on funds by the time they retire and needs to collect Social Security. The second reason is that Social Security tells the general public that whether we collect less money earlier or more money later, we’ll end up with the same amount on average. This is why many people don’t see the problem in collecting Social Security early. The third reason for early collection is superstition. Some people believe that by preparing for a longer life, they are asking for early death, and want to take advantage of their monetary benefits while they can.

This also indicates that there are three types of people who collect Social Security early: those who have no choice, those who are relying on and being misled by what Social Security indicates, and those who feel they are preparing for a short term future that may extend beyond their planning.

Social Security generally doesn’t account for the fact that many of its beneficiaries are now living into their mid to late 90s. Social Security also fails to realize that offering early collection date options is essentially like offering life insurance policies to senior citizens without explaining the policy clearly. When seniors forego their benefits for eight years or so to get higher benefits for the rest of their lives, this is similar to paying an insurance premium that results in more money when the senior citizen needs it.

Overall, seniors should consider that overall living can be expensive. A fulfilling and functional life can sometimes include prescriptions, glasses, home health aids, hearing aids and dental care. These things are not covered by Medicare. In addition to Social Security offices, it is imperative for seniors to create a solid and sequential financial plan that will provide them with an excellent quality of life for years to come.

Residential HVAC Services

Vancouver, Washington enjoys a mild year-round climate. Winters seldom dip below freezing and summers have an average in the upper 70’s. However, with changes in temperature from day to day, there are many advantages to having an even temperature in your home or business year-round.

The average home or business find it advantageous to have an HVAC unit installed. This type of unit will assure an even amount of warm or cold air throughout the day.

We are happy to help our customers find a new HVAC unit that will fit their particular situation or make repairs to existing units. Having been in business for some years, we are well known for our expertise in the Vancouver, Washington HVAC world.

We provide the following services:

• Free inspection and recommendations.
• Expert technicians.
• Emergency services 24/7.
• High-quality products.
• Insured and bonded personnel.
• Reasonable prices.
• Installation and repair service.

Our 24/7 service is important to us, and we will quickly be on hand to make any repairs, regardless of the time of day or night, weekends or holidays. This provides you with the assurance that you will not be faced with a problem of being too hot or too cold and is especially important in homes where there may be an illness.

We offer new HVAC installation as well as Air Conditioner service and repair. Our new HVAC units are top of the line and are offered in a range of prices, which makes it possible to find a unit that will fit your budget. This allows you to have quality air at a reasonable price.

An HVAC unit comes with many parts, which must be maintained to assure you have the best air quality available. This is especially important if you have an ill person in the home or have daily customers in a business. Regardless of the situation, we will work hard to make sure your HVAC unit is working at its maximum ability.

No job is too small or too big for our HVAC experts. We will be happy to come to your home or business and discuss the type of unit or repairs needed to fill your particular needs. There is no charge for this consultation service. We guarantee all work and parts, which means you will receive only the best equipment and repairs available.

As a well-known Vancouver, Washington company, we are dedicated to providing high quality service to our customers. Give us a call today or visit www.tri-techheating.com and learn how to better your air quality.