Latest news with #Felicia
Yahoo
21-07-2025
- Business
- Yahoo
Ask an Advisor: Can I Take My Late Husband's Social Security and Switch to My Benefit at 70?
I am a widow and plan to work until my full retirement age (FRA). However I was wondering if I could draw my late husband's Social Security benefits at age 67 or 68 and then switch to my own at age 70? I am currently 61 years old and my salary is $150,000. I own a home with no mortgage and I have a 401(k) from my current job and another retirement account from a previous job. – Felicia Felicia, I'm sorry for your loss. Yes, you can collect survivor benefits based on your late husband's earnings and later switch to your own retirement benefit at age 70. This strategy often leads to confusion, especially because survivor benefits are distinct from spousal benefits, which apply when a spouse is still living. The rules work differently, so it's worth clearing up how they apply in your situation. Do you have a similar financial question that you need answered? Consider matching with a for free to get personalized advice. Survivor Benefits vs. Spousal Benefits Spousal benefits allow someone to claim a benefit on their living spouse's earnings record. Survivor benefits are what a widow or widower receives from a deceased spouse's record. There are some notable similarities and important differences between these two types of benefits. On one hand, both benefits allow you to receive a payment that's based on your spouse's record. However, spousal benefits can be as high as 50% of your spouse's primary insurance amount (PIA)-the amount they would receive at full retirement age. Survivor benefits, however, can be as much as 100% of what the deceased spouse was receiving or was eligible to receive at the time of death, depending on the survivor's age at the time of claim. Claiming either benefit before full retirement age reduces the amount received. Also, you cannot collect both your own retirement benefit and a spousal or survivor benefit at the same time. Instead, you receive the higher of the two. (For additional help planning for or managing Social Security benefits, consider working with a financial advisor.) What is Deemed Filing? SmartAsset and Yahoo Finance LLC may earn commission or revenue through links in the content below. A key distinction in your situation involves a rule known as 'deemed filing.' When someone applies for spousal benefits, they are generally treated as having also filed for their own retirement benefit. But this rule does not apply to survivor benefits. Deemed filing was expanded under the Bipartisan Budget Act of 2015. Under these rules, if you're eligible for both your own benefit and a spousal benefit and file for one, you're automatically considered to have filed for the other. This eliminates the ability to collect one benefit while letting the other grow. Before the change, a common strategy was to file a restricted application for spousal benefits while delaying your own retirement benefit to earn delayed credits-a tactic no longer allowed for those born after January 1, 1954. (While it's been 10 years since this change, some people still bring up those old strategies occasionally.) In other words, you can't claim a spousal benefit at age 67 while your own retirement benefit continues to earn delayed filing credits until you turn 70 and then switch to the higher benefit. The point of discussing this here is to clarify that this does not apply to your situation. You are talking about survivor benefits, which are not subject to deemed filing rules. So yes, you can claim your survivor benefit at 67 and then wait until you turn 70 to file for your own retirement benefit. The end result is very different than what would happen if this were spousal benefits. (If you need help finding a financial advisor to assess your options when filing for Social Security, this free tool can connect you with fiduciary advisors who serve your area.) Bottom Line A surviving spouse can claim Social Security survivor benefit without affecting their own retirement benefit, which is based on their earnings record. The Bipartisan Budget Act of 2015 significantly limited switching strategies, but it did not change the rules for survivor benefits. You can still claim a survivor benefit without affecting your own retirement benefit. By delaying your own benefit, you could receive a significant boost. Social Security Planning Tips A financial advisor can help you plan for Social Security based on your unique financial situation and needs. Finding a financial advisor doesn't have to be hard. SmartAsset's free tool matches you with vetted financial advisors who serve your area, and you can have a free introductory call with your advisor matches to decide which one you feel is right for you. If you're ready to find an advisor who can help you achieve your financial goals, get started now. Before you make a decision on when to claim your benefits, it's important to evaluate your income needs and estimate of how much your benefits could be worth at different claiming ages. SmartAsset's Social Security Calculator uses your earnings and age to project the value of your benefits, whether you collect them at 62 or wait until 70. Photo credit: © of Brandon Renfro, © © The post Ask an Advisor: Can I Take My Late Husband's Social Security and Switch to My Benefit at 70? appeared first on SmartReads by SmartAsset. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
The Irish Sun
18-07-2025
- Entertainment
- The Irish Sun
Holidaymaker expects breathtaking view from his hotel window… but viewers in stitches when he pulls back curtain
THIS is the hilarious moment a holidaymaker pulls back his hotel room curtain to reveal an unexpected view. Viewers were left in stitches by the footage, which shows the guest initially 5 The man walks up the curtains to reveal the view Credit: Tiktok/feliciasvenssons 5 Viewers were initially fooled by the picturesque screen Credit: Tiktok/feliciasvenssons 5 But as the camera panned to the other side of the balcony, the illusion was ended Credit: Tiktok/feliciasvenssons The video - He is greeted by a But as the camera pans round, the visitors are left stunned when they discover that The print looks to cover up the disappointing scene from the balcony, which immediately faces the side of a building. Read more News The popular Jet2 Advert can be heard playing in the background, with Felicia jokingly commenting "Yeahhhh" alongside the video. Lots of viewers admitted they had initially been fooled by the "stunning" canvas and instead were concerned by the apparent lack of railings. One explained: "At first I thought that there's no railings, just in case, you know, you don't want to leave that "But then I realised that it's just a painted canvas thing." Most read in The Sun Another added: "I thought the issue was that there wasn't a railing on the edge! "I was like OMG I'd be so scared of falling off that! "It took me a bit to see what the wall issue was lol." And a third joked: "Ad: The room features a panoramic balcony, offering stunning views of the lush green mountains and the picturesque lake view". One of Britain's tallest men puts height to the test by spending night in UK's smallest hotel room It is not known where the hotel in the video is, but viewers likened the canvas to stunning scenery from Lake Geneva, with one labelling it the "Costa del Poster". Others leapt to the defence of the hotel, arguing that the print was a much better alternative to the current building-side view. One user said: "Honestly it's better than a plain wall". Another continued: "It's appreciation for art not view." Poorly translated signs are often found in hotels abroad, and can lead to hilarious results. But 5 One viewer labelled the view the 'Costa del Poster' Credit: Tiktok/feliciasvenssons 5 Another user reckoned the canvas looked like a view from Lake Geneva Credit: Alamy
Scottish Sun
18-07-2025
- Entertainment
- Scottish Sun
Holidaymaker expects breathtaking view from his hotel window… but viewers in stitches when he pulls back curtain
Click to share on X/Twitter (Opens in new window) Click to share on Facebook (Opens in new window) THIS is the hilarious moment a holidaymaker pulls back his hotel room curtain to reveal an unexpected view. Viewers were left in stitches by the footage, which shows the guest initially admiring the vista - before it is discovered to be a screen. 5 The man walks up the curtains to reveal the view Credit: Tiktok/feliciasvenssons 5 Viewers were initially fooled by the picturesque screen Credit: Tiktok/feliciasvenssons 5 But as the camera panned to the other side of the balcony, the illusion was ended Credit: Tiktok/feliciasvenssons The video - posted on TikTok by Felicia Svensson - shows the man walking up to the window before throwing the curtains open. He is greeted by a picturesque setting, with two chairs and a table on his balcony seemingly overlooking a beautiful sea view. But as the camera pans round, the visitors are left stunned when they discover that the view is actually a screen hanging from the roof. The print looks to cover up the disappointing scene from the balcony, which immediately faces the side of a building. The popular Jet2 Advert can be heard playing in the background, with Felicia jokingly commenting "Yeahhhh" alongside the video. Lots of viewers admitted they had initially been fooled by the "stunning" canvas and instead were concerned by the apparent lack of railings. One explained: "At first I thought that there's no railings, just in case, you know, you don't want to leave that "But then I realised that it's just a painted canvas thing." Another added: "I thought the issue was that there wasn't a railing on the edge! "I was like OMG I'd be so scared of falling off that! "It took me a bit to see what the wall issue was lol." And a third joked: "Ad: The room features a panoramic balcony, offering stunning views of the lush green mountains and the picturesque lake view". One of Britain's tallest men puts height to the test by spending night in UK's smallest hotel room It is not known where the hotel in the video is, but viewers likened the canvas to stunning scenery from Lake Geneva, with one labelling it the "Costa del Poster". Others leapt to the defence of the hotel, arguing that the print was a much better alternative to the current building-side view. One user said: "Honestly it's better than a plain wall". Another continued: "It's appreciation for art not view." Poorly translated signs are often found in hotels abroad, and can lead to hilarious results. But design fails are also surprisingly common, and can range from loo rolls being too far away from the toilet seat or doors that don't close properly. 5 One viewer labelled the view the 'Costa del Poster' Credit: Tiktok/feliciasvenssons
Borneo Post
10-07-2025
- Borneo Post
Woman fined RM1,000 for brawling with former classmates at Penrissen wedding reception
Photo for illustration purposes only. – Photo from KUCHING (July 10): The Magistrates' Court here today fined a woman RM1,000 in default two weeks' jail for engaging in an affray with three other women during a wedding reception in May. Felicia Vkline Jari, 32, pleaded guilty before Magistrate Ling Hui Chuan after she was charged under Section 160 of the Penal Code. Previously on a different date, her former schoolmates Addlina Asnan, Marie Paye Steve, and Jacquline Murudan were also fined RM1,000 in default two weeks in jail in the same court. Felicia committed the offence outside a restaurant where the wedding reception was held located at Jalan Penrissen at around 10pm on May 17, 2025. Based on the facts of the case, the incident occurred after Felicia and Addlina confronted Marie (complainant) and Jacquline, leading to a verbal dispute that escalated into a physical altercation. Marie was reportedly punched and kicked, had her hair pulled, and was struck with a tree branch and a sandal, particularly on the head and arm. Felicia was identified as one of the individuals who kicked Jacquline in the stomach during the scuffle. The fight reportedly stemmed from allegations that Marie had spoken ill of the other women prior to the incident. A police report was lodged and investigations revealed that the four women had engaged in an affray in a public place, an incident that was witnessed by members of the public. Insp Nur Shafiqa Nyaie Ilin appeared for the prosecution while Felicia did not have legal representation.
Borneo Post
10-07-2025
- Borneo Post
Woman slapped with RM1,000 fine for brawling with former classmates at Penrissen wedding reception
Photo for illustration purposes only. – Photo from KUCHING (July 10): The Magistrates' Court here today fined a woman RM1,000 in default two weeks' jail for engaging in an affray with three other women during a wedding reception in May. Felicia Vkline Jari, 32, pleaded guilty before Magistrate Ling Hui Chuan after she was charged under Section 160 of the Penal Code. Previously on a different date, her former schoolmates Addlina Asnan, Marie Paye Steve, and Jacquline Murudan were also fined RM1,000 in default two weeks in jail in the same court. Felicia committed the offence outside a restaurant where the wedding reception was held located at Jalan Penrissen at around 10pm on May 17, 2025. Based on the facts of the case, the incident occurred after Felicia and Addlina confronted Marie (complainant) and Jacquline, leading to a verbal dispute that escalated into a physical altercation. Marie was reportedly punched and kicked, had her hair pulled, and was struck with a tree branch and a sandal, particularly on the head and arm. Felicia was identified as one of the individuals who kicked Jacquline in the stomach during the scuffle. The fight reportedly stemmed from allegations that Marie had spoken ill of the other women prior to the incident. A police report was lodged and investigations revealed that the four women had engaged in an affray in a public place, an incident that was witnessed by members of the public. Insp Nur Shafiqa Nyaie Ilin appeared for the prosecution while Felicia did not have legal representation.
