However, few brilliant minds challenge the conventions and completely redesign these everyday use products. Check out these 30 There are countless gadgets and products that we use everyday and we take their design for granted.
Step 2. If you're out of work or in financial trouble, take the money as soon as you can. The earliest you can collect benefits is age 62. You'll pay a penalty of 25% or more in your monthly benefits by filing before full retirement age.
You can work a little bit and still continue to get your Social Security benefits, Mitchell notes. In 2008, those who collect benefits before reaching the year of their full retirement age can earn up to $13,560 without penalty. Above that level of earnings, they will lose 50 cents of every benefit dollar. Working may decrease your retirement benefits until you reach your full retirement age.