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.
Assuming you qualify, you can start collecting as early as age 62, but the longer you wait -- up until age 70 -- the higher your monthly benefit will be. Somewhere between age 62 and age 70, you reach what Social Security calls your full retirement age..If you start collecting benefits at that age, you'll receive exactly what Social Security calculates your full benefit is worth based on your earnings history.nd finally, remember that if you're below your full retirement age and still working while collecting Social Security, you face a penalty of as much as $1 for every $2 you earn above $15,720 within the year.