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Includes unlimited streaming via the free Bandcamp app, plus high-quality download in MP3, FLAC and more. If you are struggling to maintain a healthy weight, or simply need to create a healthier relationship to food then please do take the time to listen to the sample of this two track audio. In track one you will discover why being fully present and engaging all of your senses with every single mouthful you eat is so important. In track two you will be guided through a short meditation exercise to lead you into a state of effortless mindfulness of every mouthful. Well, just in case you find yourself cornered in a high-brow conversation at a cocktail party with several other boomers discussing the history of social welfare and government reforms, here's a quick overview of the birth of our wonderful federal program. A small scale version of Social Security insurance was developed as a program during the Great Depression of the 1930's.
Strangely enough, the economic scenario our country was much the same as the mid 2000's we just lived through. The great stock market crash of 1929 had destroyed the value of many Americans' retirement savings. The Act was a part of Roosevelt's plan to combat the growing instabilities in the modern American culture, including advanced aging, poverty and unemployment.
The SSA provided health and financial benefits to retirees and the unemployed including comprehensive insurance payments at death. These payments to existing retirees were to be funded by a payroll tax on current worker's wages, half as a payroll tax and half paid by the employer. The act also gave money directly to the states to provide financial programs and assistance to senior citizens in the form of unemployment insurance, aid to families with dependent children, maternal and child welfare, public health services and services for the blind.
Believe it or not, The Social Security Act (SSA) was only 37 pages long when first approved.
In 1939, the funding for this program was restructured and handed over to the Internal Revenue Service and renamed the Federal Insurance Contributions Act (FICA). If you want my opinion, I think the Internal Revenue Service owns everything and runs everything in this country (and a few small third world countries as well). There have been other updates over the years to keep up with the growing pains of the program. Benefits increased and regular cost of living adjustments (COLAs) were established in 1950.
Over 20 million senior citizens signed up for benefits in the first three years of the new program so a Medicare tax of 0.7% was added to pay for increased Medicare expenses. In 1972, the Supplemental Security Income (SSI) program became a federal program and was assigned to Social Security Administration. You become eligible to receive these benefits by accumulating credits by paying FICA taxes.


The number of credits you need to be eligible for benefits depends on your age and the type of benefit.
Hopefully, this is not all incredibly boring to you because it is a very important program to understand and can play a very important role in your retirement financial plans.
Tomorrow we will begin to dig a little deeper into these different benefit programs, how you qualify and what resources are available to you. Today, Baby Boomers, we start to dig into the meat and potatoes of the Social Security system.
Remember, contribution rates, applications and benefits have varied over the years since the Social Security Administration first came on line in 1935. Program Purpose: The retirement benefits of the Social Security System are an insurance meant to supplement the savings, investments and other sources of income in the retirement years of wage earning citizens. In 2014, you earn 1 credit for every $1,200 in earnings up to 4 in a year and 40 in 10 years.
Self-employed individuals and military personnel earn credits the same way as standard employees do. Insured Status: "Fully Insured Status" means you have earned the needed amount of credits (40 in 10 years) to receive full available insurance benefits based on your age at application. Benefit Amount: Based on your monthly average of your highest earning 35 years of employment.
Once you create an account (if you haven't already) you can find out how much your eligible benefits are. Most of us baby boomers are interested in the Retirement Benefits that paying into the Social Security System has afforded us.
But, if you remember yesterday's discussion, I pointed out that there are actually 5 different benefit programs now processed through the SSA. They can all kind of tie into each other based on your retirement situation so it is important to take a look at each one individually. But, how they are administered are all based on the primary retirement benefit program so let's take a simple step by step look at your retirement benefits first. First of all, the original Social Security Act of 1935 set the minimum age for receiving full retirement benefits at 65.
In the 1980's Congress noted significant improvements in the health of senior citizens and increases in average life expectancy.
Since the program first began paying monthly SSI benefits back in 1940, the average life expectancy for men at the age of 65 had increased by almost 4 years to the ripe old age of 81. For women (not to be outdone by men) reaching the age of 65, their average life expectancy had increased almost 6 years to the age of 84.
In 1998, nearly 69% of men and women who retired started taking Social Security benefits before age 65.


Obviously, the characteristics of the average US senior citizen had changed more than the government had anticipated. But, did you know that, if eligible, you can take an "early retirement" with reduced benefits at the age of 62. There is an automatic percentage increase per year you delay retirement up to the age of 70 which can be as much as 8% if you were born in 1943 or later. So, if you were born in 1943 and you delay your retirement benefits until you are 70 you could receive up to 124% (3 years X 8%) of your basic benefits had you applied for retirement benefits when you were 66.
Some of us Baby Boomers may be considering working as long as we can to rebuild our retirement savings accounts. In this case, if you plan on working while receiving benefits you can but some limitations apply. In the case of early retirees, $1 in benefits is deducted for every $2 in earnings exceeding the annual limit of $15,480 in 2014. If you are working in the year of your retirement then only $1 of every $3 earned is deducted after the annual limit of $41,400.
There are no limits on the amount of income you can earn starting in the month of your full retirement age. However, if you have other substantial income such as wages, self-employment, interest and dividends that must be reported on your tax return in addition to your benefits. If you file a Federal tax return as an "individual" with a combined income (earnings and SS benefits) between $25,000 and $34,000 you must pay income tax on up to 50% of your benefits.
If you file a joint return and you and your spouse have a combined income between $32,000 and $44,000 you may have to pay income taxes on up to 50% of your benefits and up to 85% if your income exceeds $44,000.
So, are you feeling a little better prepared for how you are going to utilize your social security benefits? This track will be especially helpful if you want to lose weight, find that you are regularly eating more than you really need, or use food in an attempt to manage stress, or provide emotional comfort.
For maximum benefit this track should be played regularly and preferably before you eat, to help reinforce your new habit of mindful eating. Known as the Mindset Medic, she works with entrepreneurs and business owners to help release the mental and emotional blocks that can get in the way of creativity, productivity and success.



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