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Me at 2

Today is my 66th birthday and of course that is a call for a little birthday reflection. This is a somewhat memorable birthday. First, it’s full retirement day which means if I so choose, I can declare for Social Security here in the United States and get what is called “full retirement benefit.” Only thing is, if I wait until I am 70 to start collecting, I get 32% more $$$ per month. Since I know of no place else I can get a guaranteed 8% return on my money, I won’t be declaring this year…or until I am 70…I hope.

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