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.
Early Social Security penalty. You can receive the full amount of Social Security you have earned at age 66 for most baby boomers and age 67 for everyone born in 1960 or later. Signing up before this age results in a significant reduction in benefits. For example, a worker born in 1965 who signs up for Social Security at age 62 will get 30 percent smaller payments for the rest of his life than if he waited until age 67 to sign up.