Here's why one donation of $1,000 beats 10 donations of $100
to make sure the bulk of their contributions go to the cause, rather than to executive salaries, fundraising and overhead. Monitoring 10 charities is a lot more work than keeping track of one or two.
You might also consider making monthly contributions, rather than waiting until the end of the year, since that helps charities budget. A direct debit from your checking account is often the best way to set this up, because using a credit card incurs transaction fees that reduce your contribution.After taking Social Security early at 62, I have called, written and visited in person asking to have my benefit suspended so it can earn delayed retirement credits. Nothing has worked.
There are two potential ways to fix the mistake. One is a withdrawal, where you rescind your application and pay back the money you’ve received. Withdrawals are a “do over” that resets the clock entirely on your benefit so that it’s as if you never applied. Withdrawals are only allowed in the first 12 months after your application.
A suspension, on the other hand, is when you ask Social Security to halt your benefit so that it can earn delayed retirement credits. You don’t have to pay any money back, but you also don’t get to reset the clock. Instead, the benefit you’re currently receiving is allowed to earn delayed retirement credits. You can only suspend your benefit once you’ve reached full retirement age. If you were born between 1943 and 1954, your full retirement age is 66.online in the retirement section.
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