Social Security

CURRENTLY PAYING AS MUCH AS 10.76% A STEADY CASH FLOW THAT WON'T DRY UP: OUR US. GOVERNMENT MUTUAL FUND.

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on interest rate futures will Is- iimxI to hixlgc inv«s\iiH-nts I Ins diverxilievl porltolio ol t S ( lovt-rnmi-nl six untii-s is proli-ssion.illv ni.in.imxl on .1 lull-time basis And every month yon j^-t .1 dividend t het k plus the peaieot mind trom investing yourdoll.irs 111 government sixurities All il takes to invest is SI. mil Adilition.il investmen'.s van he made tor S2I1I ( 1 .lit. it I us IikI.iv lor more intormalion. Ami together, let's put miiulsover monev

Shkarson Lhiman/Amirkan Exi'Rfss andThe Serious Investor Minds Over Money. r -t CaE"9g7.7623 f James N. Polizzi SShearson Lehman/American Kxprt-ss P.O. It* ix 1 IK Avalun. N.J. 08202 Attn James N Polizzi Semi iih- vi nil Irix- IxKiklel and orosixx tus on the Sill AKSON MANAI.I IK.OVI KNMI NlSlNl luiul. | iih luding management lix- and other 1 barges and e\|x-nsi s I'll re.iil all the information caretiillv before . I invl'sl or m-ihI monev j ^Bggm \ nn^^Ess j 1 — - j m I v«06 N*W A»« m I s?cure f wiidwood crwi. n.j onto K M _________ ft p.j.,-, 1 13 Wildwood Av*ou» i i'smf Wildwood n j 06260

W: • T L> - K-w IWiMWfr nfflflBIUmto* Dorii Ward CLAIMS REPRESENTATIVE — Bob Mazzotta is shown working on a retirement claim. Bob and his five colleagues are responsible for taking and authorizing new claims.

Delayed Retirement Can Raise Benefits

People in the local area nearing retirement age should know that a decision to delay retirement could result in increased future Social Security benefits, a Social Security manager said recently. A worker will receive an increase in Social Security benefits of three percent for each year — or onefourth percent for each month from 65 to 70 that he or she does not get benefits because of work. Starting for workers who reach 65 in 1990, the delayed retirement credit will be increased gradually until it reaches eight percent TIIE CREDITS are not available to workers who j get the special minimum retirement benefit because they worked under Social Security for at least 20 years. The special ' minimum benefit is designed for people who have had lowearnings during their working years The amount depends on the number of

years of coverage the worker has. In 1985. the special minimum for a worker retiring at 65 with at least 30 years of Social Security coverage is $369.50. The amount increases automatically to keep pace with the cost of living. More information about delayed retirement credits can be obtained at any Social Security office The people there will be glad to answer any questions. The address and telephone number of the nearest Social Security office can be found in the telephone directory.

| Checking Earnings Record The Social Security earnings record, as the name implies, shows your earnings from covered ! employment reported by your employers and any self-employment income listed on your annual Federal Income Tax return. However, since earnings are reported at the end of each year, your earnings record may not be completely up to date. The earnings record does not show the Social Security taxes you or your employer paid. The decisions on your eligibility for Social Security benefits and the amount of the monthly benefit are based on your earnings, not on the amount of taxes paid. IF YOU WORK for more than one employer during a year, you may have more than the maximum amount of Social Security taxes withheld. If so, the excess may be claimed on your income lax return for that year. However, if too much in taxes was withheld by a single employer. you should request a refund from your employer. If your own records do not agree with the amount shown on the earnings statement, you should contact a Social Security office without delay. You should have form W-2, pay slips, and any other proof of wages when you go to the Social Security office. If the difference between your own records and the earnings statement involves income from selfemployment. the date this information was filed, copies of the federal tax return. (including Schedules C or F and SE>, and the lugtiion of the IRS office tdHRch they were sent, shmild be submitted to Social Security

I *7 aiditd tpirl I E0 Closing For The Winter Sale. H 20% OFF FALL and WINTER FASHIONS 9 IS JR.. MISSY. PLUS SIZES (36-46) ||j ■ o „ a HOURS B 9501 3rd Ave. MON -FRIJl-5 Stone Harbor SAT. KJ6 368-4166 SUN 1(5%

JOIN A FELLOWSHIP OF CARING... VOLUNTEERS NEEDED AT BURDETTE TOMLIN MEMORIAL HOSPITAL ASSIST IN VARIOUS HOSPITAL DEPARTMENTS, BY TRANSPORTING PATIENTS. FEEDING PATIENTS OR WORK IN THE NEWLY FORMED ARTS AND CRAFTS PROGRAM FOR MORE INFORMATION. CALL BETTIE CRIllY, DIRECTOR VOLUNTEER SERVICES. 465-2000. EXT. 5320