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The trustees' report that details the financial health of Social Security gets published each and every year with much fanfare and analysis. But there's another publication that the Social Security Administration puts out each year that deserves just as much fanfare—a sort of FAQ for Social Security.
There's plenty to glean from this year's version of the report—Fast Facts & Figures about Social Security, 2013. One can learn, for instance, what to do or not do when it comes to one of the most important sources of income in retirement and who Social Security reform might affect. Here's what advisers say you need to know about this year's report.
Social Security is indispensable for the middle class
"I'm always struck by the vital importance of Social Security income for most seniors," said Jonathan Peterson, the author of "Social Security For Dummies."
According to the SSA report, Social Security provided at least half the income for 64% of the aged beneficiaries in 2011. Read Relative Importance of Social Security, 2011.
"To me, this is a reminder that Social Security is incredibly important for the middle class, as well as the less affluent—a basic, simple fact often overlooked in discussions about its role and its future," said Peterson. "In a world where defined-benefit pensions are increasingly scarce, savings rates are low, home values have fallen, stocks are volatile and older workers often struggle in the labor market, Social Security income is indispensable for the middle class."
From the report, Relative Importance of Social Security, 2011: In 2011, 87% of married couples and 85% of nonmarried persons aged 65 or older received Social Security benefits. Social Security was the major source of income (providing at least 50% of total income) for 52% of aged beneficiary couples and 74% of aged nonmarried beneficiaries. It was 90% or more of income for 22% of aged beneficiary couples and 45% of aged nonmarried beneficiaries. Total income excludes withdrawals from savings and nonannuitized IRAs or 401(k) plans; it also excludes in-kind support, such as food stamps and housing and energy assistance.
Social Security reform
According to this chart, a relatively high proportion of certain population groups (35% on average) rely on Social Security for 90% or more of their income. "This is important when considering Social Security reforms that cut benefits," said John Turner, director of the Pension Policy Center.
Others agree, but note the certain demographic segments are more likely to be affected by Social Security reform than others. With 35% of people age 65 and up relying on Social Security for more than 90% of their income, one thing is as clear as ever, said Mike Piper, author for "Social Security Made Simple: Social Security Retirement Benefits and Related Planning Topics Explained in 100 Pages or Less" and author of ObliviousInvestor.com blog.
"The changes—whether increased taxes or decreased benefits—are going to be borne by people who are either higher-income or not yet old enough to receive benefits," said Piper.
Don't underestimate Social Security as source of income
Another nugget in the report, according to Anna Rappaport, the president of Anna Rappaport Consulting, is how important Social Security is as a source of income. The percentage of married couples and nonmarried persons aged 65 or older receiving Social Security has risen 17 percentage points, from 69% in 1962 to 86% in 2011, she noted.
Research, according to Rappaport, has shown that people not yet eligible for retirement often underestimate the importance of Social Security as a source of income. Don't be one of them.
Other experts, meanwhile, stress that you shouldn't overestimate the importance of Social Security either. "For people currently working, even if you do get the benefits promised by the current system, Social Security (with an average monthly retirement benefit of $1,262) is not going to pay for you to have a comfortable retirement all on its own," said Piper.
Piper's advice: "While it's important to educate yourself about your benefits so that you can make the most of them, it's crucial to build a retirement strategy that relies primarily upon savings rather than Social Security unless you're happy with a very modest standard of living."
Read Public Misperceptions About Retirement Security and Public Misperceptions About Retirement Security Closing the Gaps. See also Receipt of Income, 1962 and 2011.
Pensions aren't dead yet
The report also highlights that traditional pensions are still an important source of income, or at least that's the case for current retirees. For instance, the percentage of Americans aged 65 and older receiving private pensions has risen from 9% in 1962 to 27% in 2011 and the percentage receiving government pensions has risen from 9% in 1962 to 15%.
"It's fashionable to say private pensions are a thing of the past, said Andy Landis, a MarketWatch RetireMentor, founder of Thinking Retirement and author of "Social Security, The Inside Story" and "When I Retire."
He also noted, for instance, that private pensions are actually contributing a bigger share of income for older people than they did in 1962—9% vs. 3%. Read Shares of Aggregate Income, 1962 and 2011.
It's also common to hear that Social Security is less important to retirees than it was in the past, as 401(k)s allow a generation of workers to retire with invested assets, Landis said. "But compared with 1962, Social Security now provides a bigger share of income (36% vs. 30%) and assets provide a smaller share (11% vs. 15%)," he said. "Social Security continues to outstrip all other sources of income as the most important."
The importance of the claiming decision
The SSA report also highlights, though not directly, the importance of the Social Security claiming decision to long-term security, said Rappaport. "We know that the largest number of people claim early but that this is not in the interest of people who live long, and particularly not in the interest of many widows," she said. "For people with limited retirement assets, this is a critical part of their retirement planning."
For her part, the fact that Social Security accounts for 90% of income for 35% of all beneficiaries illustrates the need to plan ahead for when and how to take Social Security, said Angela Deppe, co-author "It's Your Money! Simple Strategies to Maximize Your Social Security Income."
Deppe also noted that 5.7 million new beneficiaries received Social Security benefits in 2012. Of that number, 48% were retired workers, 37% were survivors or spouses and children of retired and disabled workers, and 17% were disabled workers. "Given the large percentage of survivors and spouses/children receiving benefits, it emphasizes the importance of making a joint decision when planning to take one's individual Social Security benefit," Deppe said. "The age at which a retiree takes his/her individual benefit can impact the amount received by the survivor and spouse."
What's more, Deppe noted that there are more than 56 million Americans who currently receive Social Security benefits. Some 65% are retired workers, 20% are survivors or spouses and children of retired and disabled workers, and 15% are disabled workers. "Again, these percentages emphasize the importance of planning ahead and making a joint decision of when and how to take Social Security," she said.
To learn about various Social Security claiming strategies read The Social Security Claiming Guide published by the Center for Retirement Research at Boston College. And read my related column, Social Security claiming tricks to maximize payout.
Check out any of several calculators, including those found at AARP, Social Security Central, and T. Rowe Price.
It's better to be a couple than a single
The data in the SSA fact book also reinforces how much better off as a group couples are than singles, said Rappaport. "Poverty rates and average income show that," she said.
The report also notes that Social Security accounts for more than 90% of income for 45% of non-married beneficiaries. "This is a critical issue for widows," said Rappaport.
She noted, for instance, that research from the Society of Actuaries "indicates that many people do not understand the likely impact of widowhood," she said.
Among other things, they likely underestimate how much income a widow might need in retirement. Rappaport estimates that a single person needs about 75% of what it takes for a couple to live on in retirement. According to the SSA's report, median annual income for married couples aged 65 and older in 2011 was $47,494. By contrast, median annual income for nonmarried persons aged 65 and older was $18,000. Using Rappaport's estimate, and assuming that $47,494 is what a couple needs to live on, a nonmarried person's annual income should be closer to $35,620. Instead, it's roughly half that.
Deppe, meanwhile, noted that the average monthly benefit amount for retired workers in 2012 for new awards is greater than those currently receiving benefits ($1,292 vs. $1,262).
However, the average monthly benefit amount for spouses and survivors of retired workers in 2012 for new awards is less than those survivors/spouses currently receiving benefits ($485 vs. $626 for spouses, $975 vs. $1,215 for survivors).
"I'm glad to see the retired worker average monthly benefit amount go up; however, it concerns me that the spouses and survivor average benefits have gone down," said Deppe, who noted that she can't emphasize enough the importance of making a joint decision when planning to take one's individual Social Security benefit. "The age at which a retiree takes his/her individual benefit can impact the amount received by the survivor and spouse," she said.
A separate, but related report published by the Institute for Women's Policy Research, showed that unmarried individuals living alone, both women and men, are more likely to be reliant on Social Security to keep them out of poverty than those who live with families.
Because the majority of older women are single, while the majority of older men are married, Social Security plays a particularly important role in lifting unmarried women out of poverty, the report said. Read The Importance of Social Security in the Incomes of Older Americans: Differences by Gender, Age, Race/Ethnicity, and Marital Status.
Read also Relative Importance of Social Security, 2011. And read Post-Retirement Risks Managing Post–Retirement Risks–A Guide to Retirement Planning to learn how to mitigate the risks of widowhood.
Earnings in covered employment
According to Paula Hogan, president of Paula Hogan, a financial planning firm in Milwaukee, the report highlights how much more high income is escaping payroll tax these days. According to the report, people contribute to Social Security through payroll taxes or self-employment taxes, as required by the Federal Insurance Contributions Act (FICA) and the Self-Employment Contributions Act (SECA). The maximum taxable amount is updated annually on the basis of increases in the average wage, the report noted.
Of the 161 million workers with earnings in Social Security—covered employment in 2012, about 6% had earnings that equaled or exceeded the maximum amount subject to taxes, compared with 3% when the program began and a peak of 36% in 1965. About 84% of earnings in covered employment were taxable in 2012, compared with 92% in 1937. (Of note, for 2013, for instance, the maximum earnings subject to Social Security taxes is $113,700.)
Said Hogan: "I don't think people have focused on that aspect of the widening disparity between the poor and rich."
Others, including Landis, agree. "Some observers suggest that the Social Security taxable earnings ceiling—currently $113,700—is too low, and that raising it would help Social Security's long-term financing," he said. "The data bear this out. FICA taxes currently apply to 84% of earnings, compared with 89% in 1986, and that percentage appears to be steadily falling. Returning the earnings ceiling to historical levels would help save the program for today's workers."
Read Earnings in Covered Employment, 1937–2012.
No slowdown in claims
According to Landis, the SSA report also reveals how a perfect storm hit older workers in the past few years. "Just as 10,000 boomers per day were reaching retirement age, the economy shed jobs," he said. The chart, New Awards to Workers, 1972—2012, shows that both retirement and disability payments have skyrocketed since 2008, as workers sought Social Security income to replace lost work income, Landis said.
Social Security is more than just retirement
According to Rappaport, the report also highlights the importance of not only widow's benefits but disability benefits. According to the SSA, payments were made to 12.7 million people aged 18–64 on the basis of their own disability. Sixty-two percent received disability payments from the OASDI program only, 27% received payments from the SSI program only, and 11% received payments from both programs. Read Number of Recipients, 1974–2012.
Read also this fact sheet from the National Academy of Social Insurance on the importance of Social Security to children.
The toll that the Great Recession took
Jason Fichtner, a senior research fellow at the Mercatus Center at George Mason University noted that the SSA report also reveals the toll that the Great recession of 2008 took on Americans.
For instance, the Relative Importance of Social Security 2011 chart (above) shows how many beneficiaries relied on Social Security for 50% or more of their income, and for 90% or more of their income.
"From a 30,000-foot perspective it does tell a slight story that the Great Recession likely caused some reduction in other income for seniors, such as dividends or interest income from stocks, bonds, and the like, and that Social Security was there to pick up the slack," Fichtner said. "Now with the market recovering, we see a trend back toward these reliance figures lowering."
Again, it's hard to make policy stories out of a percentage point or two change, Fichtner said. But it will be interesting to see the data for 2011 (in the 2014 release) and 2012 (in the 2015) release, which will more fully include the stock market and housing market recoveries.
Not broke yet
According to Deppe, the SSA also has some good news for those worried about Social Security going broke. Indeed, assets in 2012 increased because total income was greater than expenditures.
For his part, Landis agreed that it's to note that Social Security is still running a surplus that it invests for the future. "SSA used 6.5% of its income to increase its trust fund savings in 2012, while spending only 0.8% on all administrative overhead," he said. "That indicates a level of thrift unusual in government programs, and provides hope that Social Security can be sustainable for future generations."
Read "How Social Security is financed."
Still, Deppe noted that we still have to keep the 2013 Trustees Report, released earlier this year, in mind that states Social Security is not sustainable over the long-term at current benefit and tax rates. "Amending the Social Security system is nothing new and was done during the Reagan administration so I don't foresee this as an issue," Deppe said.
Others agree. "It's not the immediately-impending doom that some people make it out to be, but there's no doubt that we're going to see changes at some point," said Piper.
Robert Powell is editor of Retirement Weekly, published by MarketWatch. Find our more about Retirement Weekly.Follow his tweets at RJPIII. Got questions about retirement? Get answers. Send him an email here.


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It wasn't exactly a secret this 1 of 2 1957 Ferrari 625 TRC Spider was going to command an impressive price when it crossed the block at last weekend's RM Monaco event. Even so, exceeding the high end of a pre-auction estimate by approximately $1.5 million is hardly a common occurrence.
That is however exactly what happened after the smoke cleared from an intense bidding war last Saturday. The final sale price of €5.4 million ($6.3 million)—including 12% buyer's premium—was quite a bit higher than the € 3-3.7 million ($3.9-4.8 million) pre auction estimate.
We know a rare vintage Ferrari bringing big money at auction isn't exactly staggering, but this is a particularly strong number for this car. Something tells us a few laps behind the wheel of this 625 Spider will do wonders for easing the sting of the high purchase price—that is of course once the new owner gets over the very reasonable fear of a very expensive crash.

subset: commoncrawl


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Kepler Project
Kepler Proposal Documents
Project Plan
Architecture Overview
The following links are to documentation on the overall architecture for the Kepler project.
Proposed Kepler Architecture
Collaboration Model
What follows is the beginnings of a discussion about what sorts of data elements different tools look for in their project model. The goal here is to identify and exploit overlaps between Kepler and other Eclipse projects, in order to have a common API and set of providers to adapt external project information into the system. (By external project information I mean project data that doesn't originate within the specific Eclipse project in question, and is not therefore in a "native" format.)
If you have more information on this topic, please feel free to expand on what's already here. We're attempting to find a way to make a unified, extensible project model for general consumption...so we're going to need a lot of input.
Proposed Kepler Collaboration Model Structure
Bug Reports/Enhancement Requests with Requirements Info
PDE-generate a ready to use headless pde build
Project-Model Reading List
Below is a list of some other project models being used in the world. Though not exhaustive, these may lend some insight into good practices for modeling a software project.
- Apache Maven's Project Object Model (POM)
- Apache Maven's XML Schema. Note: Scott Lewis has created an EMF-based model from this schema.
- Buckminster Component Specification
- Description of a Project (DOAP) (See also: http://en.wikipedia.org/wiki/DOAP)
- Gump Object Model


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A NEW YOU: Faith in God and his love can lift you above all obstacles
In the Old Testament, beginning in Genesis 25:29, I read about Isaac's two sons named Esau and Jacob. Esau was the firstborn, and in those days, the family name, spiritual position and a double portion of the inheritance belonged to the eldest son. It was called the "birthright," and it was a sacred blessing.
In spite of this tremendous gift, something drove Esau to the breaking point. And with his clouded judgment, rather than thinking about the long-term implications of his choice, Esau gave up his "birthright." Esau sold this most valuable possession to his brother Jacob for basically a pot of stew and some bread. (Genesis 25:29-34).
Do you sometimes feel as though the heaviness of the world is on your shoulders, weighing you down and leaving you unable to move forward? Has the going gotten so tough that giving up seems to be the only solution? And does it appear that there is no hope for victory?
Unhappy, unsure, uneasy, you may then begin to sell yourself short as you ponder upon all of the reasons why your goals can't come to fruition. Thereafter, you could get so discouraged that you might start living below your capabilities believing that "you are inadequate, it's too far gone," and "your dreams are over," or, you can take the bait and allow others to cleverly deceive you.
But wait. Do not be tempted or manipulated, like Esau, to give up your "birthright." Whatever you are battling at this moment, God is greater than it. He is above any situation you may be up against.
God is called the great, "I am." Meaning, God is all-knowing, all-seeing, and an all-powerful Father. And today He is saying to you, "I am going to "lift you up," I am going to "set your feet upon a rock," and I am going to "put a new song in your mouth."(Psalm 40: 2,3).
However, you must not quit. With God by your side, you can overcome and go on to something greater. So put all your hope and trust in Him, for God will not forsake you. Don't settle or toss away your precious hopes, dreams and aspirations because of a temporary challenge. No matter where you are, where you've been or what you are confronting, never fall short of walking in the life that God intends for you. Your God-given dreams are still within your grasp.
At this instant, God's gracious hand of favor is at work. He is preparing for you an even grander purpose; and in time, it will be revealed.
• The stumbling blocks you faced will become stepping stones that will propel you to a new point of blessings.
• Unfair knockdowns will lift you up into an amazing, new position.
• Roadblocks that have been put into your way will direct you onto a better path.
• The dream that someone stole from you will be returned to you in abundance by God.
• And what you thought might be the end will result in a fresh start.
If you do not give up, it's amazing what can materialize. "You meant evil against me, but God meant it for good in order to bring about the present result." (Genesis 50:20).
Some time ago, I received a letter from a reader who wanted to thank me for my articles in the newspaper. Next, the young man described that he is recovering from a bout with drugs and he is turning his life around. "It is wonderful to know that if I live by God's will, remarkable things happen," he wrote.
"When I was using drugs, I was self-centered and full of fear. Drugs were the only thing that would temporarily fill the hollow space I had inside. I was full of resentments towards others and thought my life would never get better. But I've come to realize that the people I thought I was angry with had nothing to do with it."
Letting thoughts of self-deprivation defeat him, this young man soon realized that such negativity and an unhealthy lifestyle would rob him of the wonderful plans that God had specified for his life.
The young man's letter continued, "I was really upset with myself, and all the fears that I had were eating me up. Fear about being alone, of not being loved, or never being successful. But then, I asked God to remove my fears and to help me to deal with them. And He did. I started having situations and experiences involved in my life that I believe God put there to help me. I learned that I have nothing to fear when living God's will. The hollow space that I felt was filled with a loving and caring God. By surrendering myself to God every day and carrying out His will have made me a different person. So, thank you. Your stories touch my heart."
If you trust in God, you will never be disappointed. God will always bring the faithful to victory.
A few years back, a friend of mine was diagnosed with a serious disease. Yet, in the midst of his treatments, rather than thinking the worse outcome, my friend began to make plans for his victory celebratory party. Hence, that's what we need to do when we face tough times. Let's make plans for our comeback. Let us make plans to accomplish new goals; and like my friend, who is now completely healed, let us make plans for a victory party! "For the Lord your God is He who goes with you to fight for you against your enemies, to give you the victory." (Deuteronomy 20:4).
So prepare for your big moment. Put a smile on your face, as you go forward. You are nearing your breakthrough. Thus, never give up your "birthright." There is something extraordinary on its way to you. And your future will be bigger, brighter and far greater than you can even imagine.
Email Catherine Galasso-Vigorito at email@example.com. To order a copy of her new book, "The Open Window, 8 Weeks to Creating an Extraordinary Life," visit www.anewyouworldwide.com or bookstores nationwide. Like me on Facebook!


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Matt Carafano
Dawnguard bigger than Fallout 3 DLC, smaller than Oblivion's
Dawnguard, the upcoming DLC pack for The Elder Scrolls V: Skyrim, is bigger than anything Bethesda produced for Fallout 3, lead artist Matt Carofano has confirmed.
Matt Carafano headlines
Dragonborn: Three hours hands-on with Skyrim
Stace Harman spends a morning with Bethesda's epic and emerges hungry for more. Words from lead artist Matt Carafano and new screens inside.
Skyrim's missing TES features cut "for the same reasons" as Oblivion's
Bethesda has reiterated that the winnowing down of some gameplay features over the lifespan of The Elder Scrolls series is an effort to make each game better.
Bethesda: Skyrim's landscape is "epic reality"
Art director Matt Carafano has called Bethesda's approach to Skyrim's landscape as "epic reality", highlighting the new title's visual departure from previous Elder Scrolls titles.


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A Simon Parkin Special: Cordy
Cordy, as Simon Parkin rightly notes, is a Little Big Planet clone, crammed into Unity. Only a couple of demo levels here, but feature all manner of Rube Goldberg styled levels of spinning, falling and crushing stuff. Very quick to play, and hopefully more to come – though, obviously, to be a real Little Big Planet clone, it'd have to include some manner of construction elements. WELCOME TO OUR ROBOT GAME state Silvertree media, proudly. I would be too.


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Belo Horizonte, Brazil
- Profession
- Corporate Catering
- Business
- GSA Soluções em Alimentação Ltda
- Country
- Brazil
- partner school
- Fundação Dom Cabral
Today I stand on the shoulders of my courageous mother, and hope my daughter and others will stand on mine.
Business Overview
In 2006, I founded GSA Soluções em Alimentação Ltda, a business that provides catering services to companies. The goal of my business is to provide quality meals with "home cooked flavor" so that my clients feel at home during their breaks and at meal times.
After facing many challenges, including the bankruptcy of my previous company with a partner, I restarted my company three years ago. My main challenge was to attract my first client and also to improve the company's infrastructure. The company lacked a warehouse to stock basic raw materials (e.g. rice, bean, oil), required a re-branding, and needed to improve logistics. I also lacked the skills necessary to create and manage a qualified and productive team.
When I joined the 10,000 Women program in 2009, I wanted to re-organize my company's workflow, prioritize my clients' needs, and strategize for the future of my company. I have been able to do all of this, as well as create budgets so that I am prepared to meet financial demands at the end of each year. I am now able to keep track of costs and cash flow, and have opened a new office to store inventory, allowing me to buy at low costs and stock non-perishable essentials.
In the last 12 months, our client list has grown. We secured three new corporate clients, two of whom are large companies. Today, my company has 10 clients and 40 employees, 34 of whom are women. We serve nearly 2,000 meals every day.
Since graduating, I have increased revenue by 900% and my strategy continues to be targeting clients of all sizes. I have received excellent feedback from clients and one of them said to me, "Alimex today has something that is more valuable than any technology in the world. You have speed, communication and customer service."
Personally, I am now able to offer my daughter swimming and ballet lessons. I feel like I am able to buy, within reason, things that every woman wants, and provide a better home for my family. This is an amazing accomplishment and feeling.
Future Goals
I hope that my company can continue to grow without ever compromising quality. In the next five years, I expect to gain 10 new clients.


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Irvine Natural Science Center, Inc. via Crowdrise
April 23, 2012
BENEFITING: Irvine Natural Science Center, Inc.
EVENT: Groupon Earth Day Challenge
EVENT DATE: May 15, 2012
Irvine is an environmental education organization. Our mission is to educate and inspire current and future generations to explore, respect and protect nature. At Irvine, we guide learning. We live green. We foster respect. And we thrive outdoors.
Irvine Nature Center is a non-profit educational organization, offering programs of environmental studies and natural science to children and adults. We provide these experiential learning opportunities in many forms, including: Programs for children, families and adults; The Nature Preschool; Summer Nature Camps; Special Events and Green Weddings.
We provide more than 500 program sessions annually to 50,000 children and adults. We also welcome visitors to explore our 116 acres of woodlands, wetlands and meadows; enjoy our resident animals; and our interactive exhibit hall free of charge. Irvine has emerged as a leader among Maryland's environmental education centers and incorporates a unique and comprehensive focus on the natural science of the Piedmont into its interactive exhibit hall and educational programming.
We are loved by Julie Bowen from ABC's Modern Family! Julie frequented Irvine as a child, supports environmental education for youngsters, is an honorary board member and has chaired two of our biggest fundraisers.
Explore Irvine at our Website by Clicking Here! And support us by helping us win the Groupon Challenge!
Thank you!!


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22 July is the 203rd day of the year (204th in leap years). There are 162 days remaining until the end of the year.
Behind the scenesEdit
- 1968 - Rhys Ifans, the actor who portrays Luna Lovegood's father Xenophilius Lovegood in Harry Potter and the Deathly Hallows: Part 1, is born.


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The Flat VI-Flat VII-I Cadence Bass Exercises
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FACULTY AWARD: Three Princeton professors named 2012 Sloan Research Fellows
Feb. 15, 2012 3:30 p.m.
The Alfred P. Sloan Foundation has selected three Princeton University professors as 2012 Sloan Research Fellows. The two-year fellowships are awarded each year to 126 early-career scientists who display the potential to substantially contribute to their disciplines. The new fellows from Princeton are: Gaspar Bakos, assistant professor of astrophysical sciences; Abigail Doyle, assistant professor of chemisty; and Benjamin Garcia, assistant professor of molecular biology.


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The Vintage Backpack is the ideal daytime companion. Perfect for a hike, an impromptu trip around town, or as a carry-on, the Vintage is the bag you take everywhere.
- 100% recycled polyester exterior
- 13 Laptop sleeve
- Classic zipper pulls
- Heavy-duty webbing
- Limited lifetime warranty
- 16.5" x 11.75" x 6", 25L