About Social Security numbers...
9 years ago
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Comments (20)
- 9 years ago
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Possible phone scam - has anyone had one of these?
Comments (4)Jel 48, please don't respond to any phone requests as they're all scams. If someone legit (ss, fbi, police dept, bank of any kind, etc.,) really needed to contact you, they would send you a snail-mail letter. I'm glad you didn't fall for it. I wonder how those people who run these things sleep at night....See MorePossible phone scam - has anyone had one of these?
Comments (14)Giving out your number isn't the problem. They use auto-dialers, they just go down the list. I have 2 cell phones and home line listed with Do not call. When I get a number I don't recognize, I don't answer. I can then use the info saved by phone logs, to enter that info on Do Not call.gov and turn them in. I got a call at 5 to 7 in the morning, didn't have my glasses on, so I answered it. Robo call in Spanish. will add that one when I go to Do Not Call. I wait a week, and add several calls a week. I read somewhere, it's better to not answer if you don't recognize the call number, they will not keep calling a number that doesn't answer....See MoreQuestion about future social security benefits
Comments (18)Your SS benefits are not based on the last year you worked. It looks at your highest paid 35 years over your entire working career. It goes something like this: The calculation will be made over 35 years which is 420 months. First, your record is searched for 35 highest paid years. If you do have that many, then there will be some years counted as zero years. Next, the older years are indexed to sort of bring them up to todays dollars. The factors used is something like a cost-of-living adjustment, but in my humble opinion, the adjustment falls short of the actual inflation rate. However, the same index is applied to everybody be they rich or poor. For example, if you earned $100 30 years ago, the adjustment factor might be 4.5, so your $100 income made 30 years ago would be adjusted to 4.5 x 100 or $450 in current dollars. This is done for each year using a different factor for each year. If there are zero years, these are included also. The 35 highest paid years are used or all the years if there is less than 35. All of the adjusted years are totaled and then divided by 420, the number of months in 35 years. This becomes the average monthly income figure that is used to determine your benefit. Clear as mud? I hope it is a little better than that. Go to the social security site to find this information. The indexing list should be there and it may change some for each passing year. The formula for using the average indexed monthly taxed earnings for computing the benefit should be there....See MoreCell phone required to access your 'My Social Security' account
Comments (60)Haha. The email is clearly real. I got one and thought nothing more of it until coming upon this thread. There's an irony with this. Two-step authorization measures are implemented, in part, precisely because people get hysterical about security and perceived risks. So the very measure used to address those who are worried about security, is distrusted by those same people and leads to more feelings of risk and insecurity. Too many folks, especially oldsters, don't want to be confronted with truth or fact that conflicts with a view they've reached and want to cling to. It's unbelievable. Those of you who want to think of the email as being phony are entitled to do so. Just don't be shocked with what happens the next time you try to sign in to the SSA website (you'll be asked to supply a cell phone number to receive a text). I just tried it out, it works fine. Those who don't have a cellphone can call or visit a SSA office. This isn't a big deal, it's just an added security step for web access. Yawn....See More- 9 years ago
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