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May 19, 2017

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HERITAGE FLORIDA JEWISH NEWS, MAY 19, 2017 PAGE 3R By Blanca Taylor Social Security Public Affairs Specialist One of the greatest gifts you can give a grandchild is the gift of financial literacy. Help- ing them save money early in life and showing them how to make wise spending deci- sions goes a long way toward a bright financial future. As they get older, they may want to save for special purchases or their college education. You can encourage them when they get their first job to begin saving for the future, including their retirement. Planning for the future with my Social Security When you celebrate their graduation from high school, you can also remind them to set up a my Social Security account. They need to be age 18 or older, have a U. S. mail- ing address and a valid email address, and have a Social Security number. And while their retirement is many years away, you can explain the importance of reviewing their earnings record each year since Social Security uses the record of earnings to compute their future benefits. As they start their first major job and begin saving, they'll be able to monitor the growth of the estimates of benefits available to them. You can access my Social Security at myaccount. Saving For Retirement with myRA The U. S. Treasury recently introduced a retirement sav- ings account for a simple, safe, and affordable way to save for retirement. It's perfect for people whose employer doesn't offer a savings plan. There are no costs or fees to open and maintain a myRAac- count. The accountwon't lose money and is backed by the U. S. Treasury. The individual chooses the amount to save. The account is portable and moves with them from job to job. The account owner can withdraw the money they put in without tax or penalty. You can learn more about myRA at Share How Social Secu- rity Works You can share your knowl- edge about Social Security with your young savers by explaining how the program works and how it has worked for you. About 96 percent of all Americans are covered by Social Security. Social Security is financed through workers' contributions, which are matched by their employ- ers. We use the contributions to pay current benefits. Any unused money goes into a trust fund. Nearly all working people pay Social Security taxes and about 61 million people receive monthly Social Security benefits. About 42 million of those beneficia- ries are retirees and their families. Encourage them to watch our Social Security 101 video at www.socialsecurity. gov/multimedia/webinars/ social_security_101.htmi. Share Your Retirement Stories Social Security replaces about 40 percent of an average worker's income, butfinancial planners suggest that most retirees need about 70 per- cent to live comfortably in retirement. Americans need more than Social Security to achieve that comfortable retirement. They need private pensions, savings, and invest- ments. That means starting to save early and monitoring your Social Security record for accuracy. You can share lessons from your own life about saving and planning for retirement. Remember, the best place anyone of any age can visit for quick, easy infor- mation about Social Security is Your personal s(ories about how you prepared for retire- ment and what role Social Security plays can help them see what is needed for a secure financial future. Give them the gift of financial literacy today. By Linda Pressman (Kveller viaJTA)--It's 1968, or 1978, basically anytime I'm with my mom in her lifetime and we're out in public. Fin- icky about fabrics and proper attire, my mother always offered a choice opinion in Yiddish. If they don't speak the language, no big deal, she just mutters her criticisms to me in that tongue under her breath, criticisms so precise that they take my breath away: someone's dress is plotzing (too tight), or it's ongepotch- ked (over-ornamented), or it's just drek (junk). We were an immigrant family, more immigrant in spirit when the first child was born and less so with each subsequent child un- til, by the time there were seven of us, my parents were forced to speak English to their Yiddish-illiterate children. Of course, they tried to speak Yiddish to me but, as an American-born child of the 1960s, I wasn't listening. I scorned Yiddish as the old-country language used by my parents to keep secrets from me and as the language of a million uninteresting grown-up conversations. I couldn't imagine why I'd be inter- ested in Yiddish. Of course, I changed my mind later, too late, long after my brain had frozen onto English. But I discov- ered something amazing and colorful, something I could not live without linguisti- cally: Yiddish adjectives and exclamations, which describe characteristics and behaviors so well. While English flails around, always somehow missing the mark, Yiddish nails it, just as my mother demonstrated so long ago. And, interestingly enough, this ability to get things "just right" has a Yid- dish term--punkt. In honor of my morn, and her under-the-breath com- ments, here are seven of my favorite Yiddish words. 1. Drek--Garbage or sub- standard junk. You can eat something and pronounce it drek, or you can buy some- thing shoddily made and declare it drek. This one comes in handy. 2. Potchke [poch-key]*-- Fussingwith, ormessingwith inexpertly. After being served this drek, you try to potchke it into something delicious but just end up making a mess of it. 3. Goniff [gah-niff]---The jerk who sold you the drek-- literally, a thief. A person who steals you blind.A pronounce- ment on his soul for being a thief. 4. Ongeblozen [ung-eh- bluh-zen]--Full of him/ herself, conceited. You try to get your money back from the ongeblozen goniff for the drek he sold you when you're unable to potchke it into something edible. 5. Schlmozel [shl-mah- zle]--You for being a hopeless dupe who got swindled by the ongeblozen goniff who sold you the drek. 6. Schpilkes [shpiil-kiss]-- How you feel inside now with your guts churning after you were such a schlmozel for buying such drek from that ongeblozen goniff. 7. Meshuganah [mesh-u- gah-nah]--Crazy, insane. How you feel when you think about the ongeblozen goniff who gave you such schpilkes when he sold you the drek and made you into such a schlmozel. I can't live without these Yiddish words. I've taught them to my children and to my Americanish Jewish husband (his family speaks no Yiddish). I've taught them to my non- Jewish friends who are thrilled that they will never again have to futilely search English for a word that just doesn't exist. Search na more. The word exists. It's in Yiddish. *All pronunciations by au- thor. Official pronunciations may be seen at Linda Pressman is a free- lance writer, editor, blogger, andspeaker. She was the blog editor of Poetica Magazine for three years, and is the author of "Looking Up: A Memoir of Sisters, Survivors and Skokie, "which won the Grand Prize in the Writer's Digest 20th Annual Book Contest. Kveller is a thriving com- munity of women and parents who convene online to share, celebrate and commiserate their experiences of rais- ing kids through a Jewish lens. Visit M E D 1 CAL A L E R T ~ ~ ~.~ ......... By Blanca Taylor Social Security Public Affairs Specialist You are making America stronger through Social Se- curity. Chances are, people you know and love benefit in some way from this social safety net. Retirees, Wounded Warriors, the disabled, and people who are chronically ill rely on Social Security for monthly benefits. The Social Security taxes you pay are helping millions of Americans--and financially securing your today and tomorrow. By law, employers must withhold Social Security taxes from workers' paychecks. While usually referred to as "Social Security taxes" on an employee's pay statement, sometimes the deduction is labeled as "FICA." This stands for Federal Insurance Contri- butions Act, a reference to the original Social Security Act. In some cases, you will see "OASDI," which stands for Old Age Survivors Disability Insurance, the official name for the Social Security Insur- ance program. The taxes you pay now mean a lifetime of protec- tion-for a comfortable re- tirement in your senior years or in the event of disability. And when you die, your family (or future family) may be able to receive survivors benefits based on your work as well. Social Security is fully funded through 2033. At that point, we'll be able to fund re- tirement benefits at 79 percent unless changes are made to the law. Social Security has evolved to meet the needs of a changing population--and you can count on Social se- curity in the future. If you're a long way from retirement, you may have a tough time seeing the value of benefit payments that could be many decades in the future. But keep in mind that the Social Security taxes you're paying can provide valuable disability or survivors benefits in the event the unexpected happens. Studies show that of today's 20-year-olds, about one in four will become disabled, and about one in eight will die, before reaching retirement. Check out our webinar, "Social Security 101: What's in it for me?" The webinar ex- plains what you need to know about Social Security. You can find it at www.socialsecurity. gov/multimedia/webinars/ social_security_101.html. If you'd like to learn a little more about Social Security and exactly what you're earn- ing for yourself by paying Social Security taxes, take a look at our online book- let, How You Earn Credits, at pubs/10072.html. You can also learn more at or other complications due to taking the drug Xarelto? You may be eat~tl~ to Compensafiaa. COMPUCA110NS MAY INCLUDE INTERNAL BLEEDING, STROKE, HEART AI~ACK, PULMONARY EMBOLISMS OR EVEN DEATH. CALL us for a FREE Case Consultation. 321-274-1598 LegalHe| IB ...........