When should you take Social Security?

• Life expectancy – For all of us, it's one of life's great mysteries: How long will we live? Of course, we can't see into the future, so the question can't be answered with total confidence. But to make an informed decision on when to take Social Security, you don't need to know your exact lifespan — you just need to make a reasonably good estimate. So, for example, if you're approaching 62, you're enjoying excellent health and you have a family history of longevity, you might conclude it's worth waiting a few years to collect Social Security, so you can receive the bigger payments. Conversely, if your health is questionable and your family has not been fortunate in terms of longevity, you might want to start taking your benefits earlier.
• Employment – You can certainly continue working and still receive Social Security benefits. However, if you're under your full retirement age for the entire year, Social Security will deduct $1 from your benefits for every $2 you earn above the annual limit of $22,320. In the year you reach your full retirement age, Social Security will deduct $1 in benefits for every $3 you earn above $59,520. So, you may want to keep these reductions in mind when deciding when to begin accepting benefits. Once you reach your full retirement age, you can earn any amount without losing benefits. (Also, at your full retirement age, Social Security will recalculate your benefit amount to credit you for the months you received reduced benefits because of your excess earnings.)
• Spouse – Spouses can receive two types of Social Security benefits: spousal and survivor. With a spousal benefit, your spouse can receive up to 50 percent of your full retirement benefits, regardless of when you start taking them. (Your spouse's benefit can be reduced by the amount of their own retirement benefit and whether they took Social Security before their full retirement age.) But with a survivor benefit, your decision about when to take Social Security can make a big difference. A surviving spouse can receive the larger of their own benefit or 100 percent of a deceased spouse's benefit, so if you take benefits early and receive a permanent reduction, your spouse's survivor benefit may also be reduced for their lifetime.

Amphibious Toads Procreate in Perplexing Amplexus

By Tor HanseniBerkshires columnist
08:09PM / Sunday, May 05, 2024

 

Toads lay their eggs in the spring along the edges of waterways. Photos by Tor Hansen.

My first impressions of toads came about when my father Len Hansen rented a seaside house high on a sand dune in North Truro, Cape Cod back in 1954. 

 

With Cape Cod Bay stretching out to the west, and Twinefield so abundant in wildflowers to the east, North Truro became a naturalist's dream, where I could search for sea shells at the seashore, or chase beetles and butterflies with my trusty green butterfly net. 

 

Twinefield was a treasure trove for wildlife — a vast glacial rolling sandplain shaped by successive glaciers, its sandy soil rich in silicon, thus able to stimulate growth for a diverse biota. A place where in successive years I would expand my insect collection to fill cigar boxes with every order of insects abounding in beach plum, ox-eye daisy and milkweed. During our brief summer vacation there, we boys would exclaim in our excitement, "Oh here is another hoppy toad," one of many Fowler's toads (Bufo woodhousei fowleri ) that inhabited the moist surroundings, at home in the Ammophyla beach grass, thickets of beach plum, bayberry, and black cherry bushes. 

 

They sparkled in rich colors of green amber on beige and reddish tinted warts. Most anurans have those glistening eyes, gold on black irises so beguiling around the dark pupils. Today I reflect on a favorite analogy, the riveting eye suggests a solar eclipse in pictorial aura.

 

In the distinct toad majority in the Outer Cape, Fowler's toads turned up in the most unusual of places. When we Hansens first moved in to rent Riding Lights, we would wash the sand and salt from our feet in the outdoor shower where toads would be drinking and basking in the moisture near my feet. As dusk fades into darkness, the happy surprise would gather under the night lights where moths were fluttering about the front door and the toads would snatch bugs with outstretched tongue.

 

In later years, mother Eleanor added much needed color and variety to Grace's original garden. Our smallest and perhaps most acrobatic butterflies are the skippers, flitting and somersaulting to alight and drink heartily the nectar abounding at yellow sickle-leaved coreopsis and succulent pink live forever sedums of autumn. These hearty late bloomers signaled oases for many fall migrants including painted ladies, red admirals and of course monarchs on there odyssey to over-winter in Mexico. 

 

Our newly found next-door neighbors, the Bergmarks, added a lot to share our zeal for this undiscovered country, and while still in our teens, Billy Atwood, who today is a nuclear physicist in California, suggested we should include the Baltimore checkerspot in our survey, as he too had a keen interest in insects. Still unfamiliar to me then, in later years I would come across a thriving colony in Twinefield, that yielded a rare phenotype checkerspot (Euphydryas phaeton p. superba) that I wrote about featured in The Cape Naturalist ( Museum of Natural History, Brewster Cape Cod 1991).