The Press-Dispatch
Issue link: http://www.ifoldsflip.com/i/1346684
Dear Rusty: I'm currently 67 years old and still working full time. I took a big financial hit in 2008, which is why I'm still working, and I expect to continue working until I'm 70. My question is: Should I take Social Security now, bank it until I'm 70, and then pay it out to myself upon retirement? Or would it be better to hold off until I'm 70 to claim. Longevi- ty of about 85 seems to run in my family. Signed: Working Senior. Dear Working Senior: I'm afraid there's no simple an- swer to your question, but I'll give you some points to pon- der. If you don't need the mon- ey right now, and you expect to enjoy at least average lon- gevity (about 85 for a man your current age), then wait- ing until you're 70 will give you the maximum monthly bene- fit and the most in cumulative lifetime Social Security ben- efits if you meet average lon- gevity. And if you live beyond the average, your cumulative lifetime benefits will be corre- spondingly more. Since you've already delayed past your full retirement age (66) you are already earning delayed re- tirement credits (DRCs) at the rate of 8 percent for each full year you delay (the maxi- mum Social Security benefit is reached at age 70). Can you do better than an eight percent annual increase by claiming now and saving or investing the money? That would be the main point to eval- uate, and only you know your investment options. But you should also consider that— if you should die before your wife and she has reached her full retirement age—your wife will get 100 per- cent of the ben- efit you are re- ceiving at your death. If you claim earli- er (e.g., now), your wife will get that earlier smaller amount as your widow. Compare that to what she'll get by you wait- ing until age 70 to claim, when your benefit will be about 24 percent more than it is now. Again, something for you to consider. If you claim at age 70 you will have collected about the same amount of money at age 82 as if you had claimed now. That is your "break even" point, which is where your expected longevity comes into play. If you think you will beat the average and you do, you'll collect much more in total lifetime Social Secu- rity benefits by wait- ing until you are 70 to claim. Of course, no one knows how long they will live, but if your family history sug- gests a long life and you're in good health now, delaying is usually a prudent choice. That is, however, a decision only you can make. To submit a question, vis- it amacfoundation.org/pro- grams/social-security-adviso- ry or email ssadvisor@amac- foundation.org. The Press-Dispatch Wednesday, March 3, 2021 A-5 EAST GIBSON Geography Bee Barton Township Elementary School hosted their Geogra- phy Bee Wednesday. Above: Participants include, from left to right, front row: Harper Gray, Christian Tkacz, Kaigan Nossett and Keziah Do- erner; back row: Cirra Lemeron, Josie Warner, Kinley Stof- fel, Jackson VanMeter, Elle Schlottman and Gavin Strickland. Right: Winners of the BTE Geogrphy Bee were from left to right: Jackson VanMeter, third, Elle Schlottman, first, and Gavin Strickland, second. limited time, 60 months of Monroe City woman charged with OVWI By James Capozella Petersburg Police Corpo- ral Kyle Mills arrested Laura A. Cavins, 53, 301 E 10th St., Monroe City for OV WI Sun- day afternoon. Miles respond- ed to a report of a customer falling down and smelling of alcohol in the Petersburg Jayc parking lot. Employees at Jayc called dispatch and reported a lady falling down, dropping sever- al items in the store and smell- ing of alcohol. When Mills ar- rived, according to the report, the woman was helped with her groceries and then stag- gered around her pickup and pulled herself into the driv- er's seat. Mills then reported that the woman was trying to get the keys into the ignition for approximately five minutes. Once she got the keys into the ignition she backed out and proceeded to exit the parking lot. Mills immediately put his lights on to stop the vehicle since there were quite a few people walking in the parking lot according to the report. A fter exiting the vehicle she was asked how much she had to drink and she said about five beers. Mills reported he could smell the strong odor of an alcoholic beverage and that her speech was heavi- ly slurred and her eyes were bloodshot. She consented to field sobriety tests which she failed or had to be stopped due to safety issues. Mills arranged for Cavins' daughter to take possession of the vehicle but Cavins had to be taken out of the vehicle af- ter she restarted her vehicle. State Trooper Brayden An- germeir transported Cavins to the Pike County Security Center where Cavins was un- able to complete the Intox test for him. She was then trans- ported to Davis Community Hospital by Officer Scott Ar- nold where Cavins tested .257 BAC according to the report. Cavins was then transported to the Pike County Security Center and charged with OV- WI with a BAC of.08 or more. Tell City man arrested on drug charges By Andy Heuring A 30 -year-old Tell City man was arrested Thursday night when police noticed something was dragging and sparks were flying from his car. Patrick J. Taylor-Gerber of 10th St., Tell City was charged with resisting law enforce- ment with a vehicle, a level 6 felony and possession of a con- trolled substance. Pike County Deputy Sheriff Cody Jones said he was driv- ing south on Highway 61 when he saw a vehicle driving north with sparks flying from under- neath it and noticed the sound of metal scraping on the pave- ment. Jones said he turned around at CR300E and turned on his flashing red and blue lights but the car continued driving north as they went by CR375S (Ayrshire Road) and he turned on his siren near the railroad tracks, but Tay- lor-Gerb continued driving north until he turned right onto Union Street. Deputy Jones said Tay- lor Gerber then accelerated, eventually stopping in front of the Winslow General Baptist Church, before pulling over. Jones said when he asked Taylor-Gerber why he didn't stop he said he didn't want a ticket because his brother's car was in bad shape, so he drove to the front of his broth- er's house. According to a probable cause affidavit, when Jones told Taylor-Gerber to stay in his car while Jones went to check his license, he heard Taylor-Gerber say, "Oh God." So he returned to the window and saw the glovebox open and observed a pistol in the glovebox with Taylor-Gerber's hand near it. Deputy Jones ordered Tay- lor-Gerber out of the vehicle and found a pill bottle in his shirt pocket. Taylor-Gerber's brother ar- rived and talked with Deputy Jones. He said the handgun was his and he had a permit. Jones was able to verify that, and that the gun was not sto- len. The pills found in Tay- lor-Gerber's pill bottle were identified as amphetamine and extroamphetamine, both controlled substances. He was taken into custody. By Brooke Goble 4-H Youth Development/ Health and Human Sciences Educator Purdue Extension- Pike County Did you know having high blood pressure is called the "silent killer? " This is because typically there are no symp- toms when it comes to having high blood pressure. Unfortu- nately, many people are in the dark when it comes to blood pressure. Lose control of your blood pressure, and you could lose control of your life. What triggers high blood pressure? • Genetics • Older Age • Obesity • Poor diet • Lack of physical activity They have all been linked to high blood pressure, amongst other factors. How is blood pressure measured? When you go to get your blood pressure taken, your result will be given as systol- ic pressure (when your heart beats, how hard blood hits against artery walls) over di- astolic pressure (blood pres- sure in between heartbeats). These readings will be mea- sured in millimeters of mercu- ry, mmHg. Example: 130/80mmHg aka "130 over 80." This means your systolic pressure is 130 and your diastolic pressure is 80. It's time to get your high blood pressure under control. Here are 11 foods that will help you lower it naturally: • Avocados • Bananas • Broccoli • Fat-free plain yogurt • Kale • Dried apricots • Pork Tenderloin • Red Bell peppers • Sweet Potatoes • Tilapia • White Beans What do these foods have in common? These 11 foods are low in sodium and contain calcium, magnesium, or potassium, which are necessary for low- ering high blood pressure. Even if you don't have high blood pressure now, adding these foods to your diet will help you prevent your risk in the future. High blood pressure? Eat these foods to lower it Purdue Extension news CHICKEN NOODLE OR CHILI FRIDAY Roast Beef Manhattan $ 8.99 Roast Beef Smothered in Gravy on Mashed Potatoes and Bread with Green Beans or Corn and Drink * Parmesan Baked Tilapia $ 8.99 Baked Potato, Bread and Drink * Stromboli $ 8.99 Our Own Special Stromboli Served with Grippos (Plain or BBQ), Side Salad and a Drink * CHEESY CHICKEN BROCCOLI OR CHILI Chicken and Dumplings $ 8.99 Plate of Chicken and Dumplings, Green Beans or Buttered Peas and Carrots, Baked Apples, Roll and a Drink * WEDNESDAY Boneless Pork Chop $ 8.99 Tender Pork Loin Baked with Special Spices and Parmesan Cheese served with Baked Potato, Green Beans and a Drink * *Your Choice of Regular Co† ee, Tea or Coke Product. Specials and menu items are subject to food availability from suppliers. /RandysAmericanaCafe Like us on Facebook! 7TH & MAIN STREETS • PETERSBURG MARCH 3 – 9 MONDAY VEGETABLE BEEF OR CHILI Spaghetti $ 7.99 Cheesy Mozzarella Toast, Side Salad and Drink* Cheeseburger & Chili $ 8.99 Cheeseburger with a Cup of Chili, Chips and Drink* Pancakes $ 7.99 Choice of Side and Drink* CHILI Biscuits and Gravy $ 7.99 With Your Choice of Bacon or Sausage, Two Eggs and Drink* SATURDAY Stromboli $ 8.99 Our Own Special Stromboli Served with Grippos (Plain or BBQ), Side Salad and a Drink * daily Dine-in & Carry-Out THURSDAY CHEESY POTATO OR CHILI Ham Steak $ 8.99 Thick-Sliced Ham Served with Mashed Potatoes and Gravy, Green Beans or Buttered Peas and Carrots, Roll and a Drink * Meatloaf $ 8.99 Green Beans or Buttered Peas and Carrots, Mashed Potatoes and Gravy, Roll and Drink * TUESDAY Turkey Manhattan $ 8.99 Turkey Breast Smothered in Gravy on Mashed Potatoes and Bread with Green Beans and Drink * Polish Sausage $ 8.99 with Sauerkraut Served with Cornbread, Mashed Potatoes and Gravy, and Drink * HAM & BEANS WITH CORNBREAD OR CHILI Mon-Fri 7AM-8PM Saturday 7AM-2PM 812-354-2004 Social Security Matters By Rusty Gloor Should I claim Social Security now or wait until 70? Brosmer marking right of way for SR61 renovation Craig Beck and Jeremy Mehringer of Brosmer Land Surveying and Engineering Inc. in Jasper were busy staking the survey for the scheduled State Route 61 road renovation through Peters- burg.