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Dear Dr. Don, I took a Social Security spousal benefit on my wife’s work record at my full retirement age of 66. I still have a full-time job. I will be 70 March 23, 2013. I realize I can get no further credits past age 70. However, are there any negatives to taking my benefits at 70 in view of my intention to keep working until 75? Do I have to wait until my 70th birthday before filing in order to receive the maximum benefit, or will it be effective Jan. 1 of the year I turn 70. Thank you, [...]

It can be hard to work up the motivation to exercise, but there’s a host of apps that make working out more rewarding than just a more toned body and a healthy heart. Mobile apps that give people rewards like cash or discounts every time they exercise are cropping up for all levels of gym goers. The programs are similar to airline loyalty programs and can provide an extra incentive to hit the gym and save money on your next purchase.   Nexercise Nexercise is a free app that tracks your daily activities and rewards them with discounts on merchandise. [...]

BRUSSELS Troubled Franco-Belgian bank Dexia is working on raising cash, its chief executive told Belgian business newspaper L’Echo in an article published on Saturday. “Every day that passes we get closer to the deadline, because Dexia is continuing to lose money,” Karel de Boeck told the paper. “We are therefore working on raising capital.” He said he did not know whether the capital raising would be at the end of this year, or the beginning of next. De Boeck said the bank was considering either a recurring yearly capital raising, or a one-off operation, but declined to say how much [...]

Individuals are more likely to retire during peak economic times, but that may be setting themselves up for rocky finances later. That’s according to a new report from the University of Missouri and published in the Journal of Personal Finance. Rui Yao, an assistant professor of personal financial planning at the university, reviewed the financial and retirement statuses of more than 4,000 U.S. households containing retirement-age individuals between 1992 and 2008. The data indicated that a 1% annual increase in market returns increased by 2% the probability that a retirement-age individual would leave the workforce. The correlation between a growing [...]

Finland’s European Minister Alexander Stubb tells CNN Europe’s debt crisis may be abating European Commission President wants Europe to become more unified But Stubb says treaty change to solve the eurozone debt crisis is not the right approachLondon — Europe’s political and economic attempts to stem the eurozone debt crisis may finally be getting results, Finland’s European minister Alexander Stubb has told CNN.Stubb told CNN a combination of political action and monetary intervention in the eurozone over the last month had put Europe on the road to economic recovery. “If we play our cards right, I think we will have [...]

LONDON Standard Chartered is pursuing a collective settlement with other U.S. authorities after speedily agreeing to pay $ 340 million to New York’s financial regulator, who broke ranks with early revelations that the bank hid banned Iranian transactions. Chief Executive Peter Sands, who cut short his holiday in Canada last week to deal with the affair, remains in the United States as the bank continues talks with other agencies to agree a comprehensive deal that removes lingering uncertainty. “Negotiations are going on between the other agencies, and we are talking to them. It is safe to assume there will now [...]

Twitter suffered its second widespread outage in 5 weeks on Thursday, a blow to the micro-blogging service’s reputation and reliability. Twitter – infamous for its “fail whale” outage messages in its early years – went dark for hours on June 21. On Thursday, users trying to log on to its website were greeted only by an incomplete error message: “Twitter is currently down for. We expect to be back in.” “Users may be experiencing issues accessing Twitter. Our engineers are currently working to resolve the issue,” the San Francisco-based company wrote in a blog post shortly after 8:30 a.m. Pacific [...]

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