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Enjoy Retirement e-Zine, Volume 1 Issue 2 -- Free e-book on Social Security Administration
February 01, 2010

Volume 1 - Issue 2 02-01-10

Table of Contents:

  1. Editor's Comments
  2. Readers' Questions & Answers or Suggestions
  3. Release of New Free E-Book on Social Security

Editor's Comments:

Welcome to the second issue of Enjoy Retirement e-Zine. Our mission is to provide a fun, enjoyable experience to help you achieve your ideal retirement. This e-Zine is set to be a complement to our website

The current PASSWORD to access our free e-books is:

PASSION (uppercase only)

This password will change from time to time to ensure security to our free e-books.

Periodically, we will present a number new, thought provoking items for you to consider. We want to address, not only the income producing jobs one may want to obtain during retirement, but also the fun, satisfying non-paying jobs. Other aspects of retirement such as health, security, money, education and satisfaction of retirement life will be addressed.

IMPORTANT: Securities and Exchange Commission authorizes financial institutions to suspend disbursement from money market funds. In January 2010, the SEC voted to authorize financial institutions to protect themselves, rather than the investor, by withdrawals from money market funds if "extraordinary circumstances" exist. That means that you may NOT be able to withdraw cash from your money market fund in another financial crisis. Read more about this on our website at SEC Ruling. We recommend that you talk to your financial institution to find out how they plan to act in such a circumstance.

Readers' Questions & Answers or Suggestions

We encourage all of our readers to ask questions about any of the topics presented or provide suggestions on areas they would like to have covered. Please use our Contact Us page.

Release of New Free E-Book on Social Security

We are pleased to announce that a new e-book has been released and posted on our website for your review. It is entitled Social Security Administration - What is it and How Does It Work? and consists of 9 chapters and 21 pages.

The book reviews the history of social security, how the social security website can help you to determine your estimated benefits, and what are the current tax rats and limits. There is a chapter devoted to the various calculators on the website where we discuss what data is needed to use them and which ones provides the most accurate results.

Be sure to look into Chapter 7 that deals with benefits for a spouse. In making the decision on when it is most economically beneficial for the spouse to claim benefits, one must consider if the spouse has worked long enough to qualify for social security benefits on his/her own. The answer will change, if the spouse HAS worked and contributed into social security for the required 40 credits.

A chapter is devoted to the discussion of disability income for a child and for an adult. Different applications apply in each circumstance. Information has been provided on death benefits as well. It is possible that certain members of a person's family may be eligible for survivors' benefits, it that person worked in a job covered by social security and that person dies. In some cases, benefits can be paid even if the worker did fewer than 40 credits. These are discussed in Chapter 9.

The e-book has been published on our website at Free eBooks and can be viewed online by each chapter. In addition, the e-books can be downloaded in PDF format.


All during your life, you are looking to better yourself and improve your conditions for yourself and your family. As you near retirement, that process should continue, especially as the average life span continues to increase.

Look for those things that your enjoy doing and spend more time with them. You may feel that you want another challenge. Why not learn a language? Spanish, Italian, Chinese or any that you might enjoy. As the global economy grows, it could benefit you in ways that you could never imagine. For some details on languages, see our Learn a Language and Travel page.

We hope you enjoyed this e-Zine and we look forward to providing more interesting and fun information on retirement topics.

"It is what you learn after you know it all that counts."
-- John Wooden

Happy Valentine's Day

Don D'Armond
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