ความคิดเห็นที่ 6
- Do you really need this social security now?
- At present, is the current income -exclude the social security (SS)- sufficient for your life style?
- Is your current household earning high?
I pose these questions because of the possible income tax implication. Your husband is still working; and if withdraws the SS now he will have two incomes (his regular and the SS). He may subsequently end up paying higher income tax. It then may be better waiting until he stops working.
Few senior friends of mine, who are about your husbands age, had retired in 2005. They started withdrawing the pension from the workplace then. Later, they both got bored, thus went back to work. They end up paying high tax because each has two incomes.
Many retirees have difficult time adjusting to life without work. When they re-join the work force, they have to face with high tax for dual incomes. My ex-boss who retired last year at 64, is now back at work because of boredom. Because of the tax implication, he is working part time.
Your husband may want to check out the link below. I watched his (Jonathan Pond) program on planning for retirement. It was quite an educative/informative program and yet easy to understand. He advised semi-retirement i.e. working part time prior to the full retirement.
http://www.weta.org/tv/archive/indexfull.php?episode=0&series=13873
จากคุณ :
Thai Woman (ณารา) 
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4 เม.ย. 51 05:18:43
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