Re: [TSPStrategy] When to apply for Social Security approaching age 66 and 10 months

Thank you, Thomas!

I am appreciative of you sharing the information on bogleheads with me and will check into this as my time permits.  I’ve been taking care of my mom who is 98 years old and an assisted living and recently had to relocate her so she could get the Care that she really needed.

Tammy

On Apr 13, 2026, at 1:35 PM, Tammy <truckie3@charter.net> wrote:

 Thank you for your response, Glenn!

I’m already a member of Facebook group, federal employees, and retirees, and have found that to be a great group resource!

I will check into the others that you have recommended as my time permits. I’m very appreciative of your willingness to share these alternative resources with me.

Tammy

On Apr 13, 2026, at 11:23 AM, Thomas Wellock via groups.io <thomas.wellock=gmail.com@groups.io> wrote:



If you are looking for a site where people respond to your questions, rather than an online newsletter, I recommend Bogleheads (https://bogleheads.org/). It isn't specific to federal retirees, but it is very active with lots of retired feds as members and plenty of fed-specifc threads. The members are very knowledgeable. 

Tom 

On Mon, Apr 13, 2026 at 12:57 PM dlstox via groups.io <dlstox=gmail.com@groups.io> wrote:

This guy is good too.  Chris Barfield.  Wish I would have found him years ago. 

 

Has all kinds of articles for federal employees.  https://www.barfieldfinancial.com/

 

Dave

 

 

From: TSPStrategy@groups.io <TSPStrategy@groups.io> On Behalf Of Rob Glenn via groups.io
Sent: Monday, April 13, 2026 11:54 AM
To: TSPStrategy@groups.io
Cc: TSPStrategy@groups.io
Subject: Re: [TSPStrategy] When to apply for Social Security approaching age 66 and 10 months

 

Hi Tammy.  I recommend these Facebook groups.

 

Federal Employees and Retirees 

US Federal Retirees 

Federal Employee Retirement Resources

Thrift Savings Plan (TSP) ORIGINAL EST. BY SCOTT ZANE MARCH 2014

 

Rob Glenn

 

On Apr 13, 2026, at 12:33 PM, Tammy <truckie3@charter.net> wrote:

I’m not sure who is maintaining it since Sarah became absent three years ago. I think there’s still a handful of us who been here for a while that get the emails but I don’t think very many people are engaging in conversations here much.

 

If anyone has any suggestions on where else we might be able to find other options for dialogues with retired people on TSP those resources would be greatly appreciated, I’m sure

 

Tammy Maruska

Retired from DOE 2024

 

 

On Apr 13, 2026, at 7:06 AM, Gary Reven via groups.io <tweet_pa=yahoo.com@groups.io> wrote:



is this group still active

On 9/2/2025 11:54 AM, Tammy wrote:

Thank you Paul & Tim for for your quick responses!

 

On Sep 2, 2025, at 3:49 AM, Thomas Wellock via groups.io <thomas.wellock=gmail.com@groups.io> wrote:



In case your mind isn't made up on the best age to file for Social Security, you might try inputting your data into this tool. It will give you an optimal age to file. 

 

https://opensocialsecurity.com/

 

Good luck,

 

Tom

 

On Tue, Sep 2, 2025 at 5:33 AM Paul Jones - AOL2 via groups.io <jonesh2o=aol.com@groups.io> wrote:

I Googled your question and this is the answer it came back with:  When to apply for Social Security approaching age 66 and 10 months

You should apply for Social Security benefits four months before your desired start date, with the application deadline being your 66th birthday plus 10 months, which is your Full Retirement Age (FRA). Since your FRA is 66 years and 10 months, your first benefit payment will be in the month after you pick for your benefits to begin, so you would apply around age 66 and 6 months. You can apply online at www.ssa.gov/retire, by phone, or at a local Social Security office

On 9/2/2025 2:17 AM, Tammy wrote:

I retired a year ago on 8/30/24, with 33 years of federal service. I am receiving a FERS annuity.

 

When I retired, I was just shy of 65 years old and decided that I would wait until age 66 and 10 months to draw Social Security because of the difference in my Social Security by waiting the additional timeframe.  I was born in December 1959.

 

Can anyone give me guidance when I should contact SSA late next summer or early next fall so I can begin receiving my Social Security on time at 66 and 10 months? Unfortunately, there’s only one person in our local SSA office and generally, they will refer you to the 800 number of which there’s usually a 1 1/2 to 2 1/2 hour wait to talk to a person.

 

Any information you can support is greatly appreciated!

 

Tammy

 

Re: [TSPStrategy] When to apply for Social Security approaching age 66 and 10 months

Thank you, Dave!

I appreciate you sharing the information on Chris Barfield and will look into this as my time permits!!

On Apr 13, 2026, at 1:35 PM, Tammy <truckie3@charter.net> wrote:

 Thank you for your response, Glenn!

I’m already a member of Facebook group, federal employees, and retirees, and have found that to be a great group resource!

I will check into the others that you have recommended as my time permits. I’m very appreciative of your willingness to share these alternative resources with me.

Tammy

On Apr 13, 2026, at 11:23 AM, Thomas Wellock via groups.io <thomas.wellock=gmail.com@groups.io> wrote:



If you are looking for a site where people respond to your questions, rather than an online newsletter, I recommend Bogleheads (https://bogleheads.org/). It isn't specific to federal retirees, but it is very active with lots of retired feds as members and plenty of fed-specifc threads. The members are very knowledgeable. 

Tom 

On Mon, Apr 13, 2026 at 12:57 PM dlstox via groups.io <dlstox=gmail.com@groups.io> wrote:

This guy is good too.  Chris Barfield.  Wish I would have found him years ago. 

 

Has all kinds of articles for federal employees.  https://www.barfieldfinancial.com/

 

Dave

 

 

From: TSPStrategy@groups.io <TSPStrategy@groups.io> On Behalf Of Rob Glenn via groups.io
Sent: Monday, April 13, 2026 11:54 AM
To: TSPStrategy@groups.io
Cc: TSPStrategy@groups.io
Subject: Re: [TSPStrategy] When to apply for Social Security approaching age 66 and 10 months

 

Hi Tammy.  I recommend these Facebook groups.

 

Federal Employees and Retirees 

US Federal Retirees 

Federal Employee Retirement Resources

Thrift Savings Plan (TSP) ORIGINAL EST. BY SCOTT ZANE MARCH 2014

 

Rob Glenn

 

On Apr 13, 2026, at 12:33 PM, Tammy <truckie3@charter.net> wrote:

I’m not sure who is maintaining it since Sarah became absent three years ago. I think there’s still a handful of us who been here for a while that get the emails but I don’t think very many people are engaging in conversations here much.

 

If anyone has any suggestions on where else we might be able to find other options for dialogues with retired people on TSP those resources would be greatly appreciated, I’m sure

 

Tammy Maruska

Retired from DOE 2024

 

 

On Apr 13, 2026, at 7:06 AM, Gary Reven via groups.io <tweet_pa=yahoo.com@groups.io> wrote:



is this group still active

On 9/2/2025 11:54 AM, Tammy wrote:

Thank you Paul & Tim for for your quick responses!

 

On Sep 2, 2025, at 3:49 AM, Thomas Wellock via groups.io <thomas.wellock=gmail.com@groups.io> wrote:



In case your mind isn't made up on the best age to file for Social Security, you might try inputting your data into this tool. It will give you an optimal age to file. 

 

https://opensocialsecurity.com/

 

Good luck,

 

Tom

 

On Tue, Sep 2, 2025 at 5:33 AM Paul Jones - AOL2 via groups.io <jonesh2o=aol.com@groups.io> wrote:

I Googled your question and this is the answer it came back with:  When to apply for Social Security approaching age 66 and 10 months

You should apply for Social Security benefits four months before your desired start date, with the application deadline being your 66th birthday plus 10 months, which is your Full Retirement Age (FRA). Since your FRA is 66 years and 10 months, your first benefit payment will be in the month after you pick for your benefits to begin, so you would apply around age 66 and 6 months. You can apply online at www.ssa.gov/retire, by phone, or at a local Social Security office

On 9/2/2025 2:17 AM, Tammy wrote:

I retired a year ago on 8/30/24, with 33 years of federal service. I am receiving a FERS annuity.

 

When I retired, I was just shy of 65 years old and decided that I would wait until age 66 and 10 months to draw Social Security because of the difference in my Social Security by waiting the additional timeframe.  I was born in December 1959.

 

Can anyone give me guidance when I should contact SSA late next summer or early next fall so I can begin receiving my Social Security on time at 66 and 10 months? Unfortunately, there’s only one person in our local SSA office and generally, they will refer you to the 800 number of which there’s usually a 1 1/2 to 2 1/2 hour wait to talk to a person.

 

Any information you can support is greatly appreciated!

 

Tammy

 

Re: [TSPStrategy] When to apply for Social Security approaching age 66 and 10 months

Thank you for your response, Glenn!

I’m already a member of Facebook group, federal employees, and retirees, and have found that to be a great group resource!

I will check into the others that you have recommended as my time permits. I’m very appreciative of your willingness to share these alternative resources with me.

Tammy

On Apr 13, 2026, at 11:23 AM, Thomas Wellock via groups.io <thomas.wellock=gmail.com@groups.io> wrote:



If you are looking for a site where people respond to your questions, rather than an online newsletter, I recommend Bogleheads (https://bogleheads.org/). It isn't specific to federal retirees, but it is very active with lots of retired feds as members and plenty of fed-specifc threads. The members are very knowledgeable. 

Tom 

On Mon, Apr 13, 2026 at 12:57 PM dlstox via groups.io <dlstox=gmail.com@groups.io> wrote:

This guy is good too.  Chris Barfield.  Wish I would have found him years ago. 

 

Has all kinds of articles for federal employees.  https://www.barfieldfinancial.com/

 

Dave

 

 

From: TSPStrategy@groups.io <TSPStrategy@groups.io> On Behalf Of Rob Glenn via groups.io
Sent: Monday, April 13, 2026 11:54 AM
To: TSPStrategy@groups.io
Cc: TSPStrategy@groups.io
Subject: Re: [TSPStrategy] When to apply for Social Security approaching age 66 and 10 months

 

Hi Tammy.  I recommend these Facebook groups.

 

Federal Employees and Retirees 

US Federal Retirees 

Federal Employee Retirement Resources

Thrift Savings Plan (TSP) ORIGINAL EST. BY SCOTT ZANE MARCH 2014

 

Rob Glenn

 

On Apr 13, 2026, at 12:33 PM, Tammy <truckie3@charter.net> wrote:

I’m not sure who is maintaining it since Sarah became absent three years ago. I think there’s still a handful of us who been here for a while that get the emails but I don’t think very many people are engaging in conversations here much.

 

If anyone has any suggestions on where else we might be able to find other options for dialogues with retired people on TSP those resources would be greatly appreciated, I’m sure

 

Tammy Maruska

Retired from DOE 2024

 

 

On Apr 13, 2026, at 7:06 AM, Gary Reven via groups.io <tweet_pa=yahoo.com@groups.io> wrote:



is this group still active

On 9/2/2025 11:54 AM, Tammy wrote:

Thank you Paul & Tim for for your quick responses!

 

On Sep 2, 2025, at 3:49 AM, Thomas Wellock via groups.io <thomas.wellock=gmail.com@groups.io> wrote:



In case your mind isn't made up on the best age to file for Social Security, you might try inputting your data into this tool. It will give you an optimal age to file. 

 

https://opensocialsecurity.com/

 

Good luck,

 

Tom

 

On Tue, Sep 2, 2025 at 5:33 AM Paul Jones - AOL2 via groups.io <jonesh2o=aol.com@groups.io> wrote:

I Googled your question and this is the answer it came back with:  When to apply for Social Security approaching age 66 and 10 months

You should apply for Social Security benefits four months before your desired start date, with the application deadline being your 66th birthday plus 10 months, which is your Full Retirement Age (FRA). Since your FRA is 66 years and 10 months, your first benefit payment will be in the month after you pick for your benefits to begin, so you would apply around age 66 and 6 months. You can apply online at www.ssa.gov/retire, by phone, or at a local Social Security office

On 9/2/2025 2:17 AM, Tammy wrote:

I retired a year ago on 8/30/24, with 33 years of federal service. I am receiving a FERS annuity.

 

When I retired, I was just shy of 65 years old and decided that I would wait until age 66 and 10 months to draw Social Security because of the difference in my Social Security by waiting the additional timeframe.  I was born in December 1959.

 

Can anyone give me guidance when I should contact SSA late next summer or early next fall so I can begin receiving my Social Security on time at 66 and 10 months? Unfortunately, there’s only one person in our local SSA office and generally, they will refer you to the 800 number of which there’s usually a 1 1/2 to 2 1/2 hour wait to talk to a person.

 

Any information you can support is greatly appreciated!

 

Tammy

 

Re: [TSPStrategy] When to apply for Social Security approaching age 66 and 10 months

If you are looking for a site where people respond to your questions, rather than an online newsletter, I recommend Bogleheads (https://bogleheads.org/). It isn't specific to federal retirees, but it is very active with lots of retired feds as members and plenty of fed-specifc threads. The members are very knowledgeable. 

Tom 

On Mon, Apr 13, 2026 at 12:57 PM dlstox via groups.io <dlstox=gmail.com@groups.io> wrote:

This guy is good too.  Chris Barfield.  Wish I would have found him years ago. 

 

Has all kinds of articles for federal employees.  https://www.barfieldfinancial.com/

 

Dave

 

 

From: TSPStrategy@groups.io <TSPStrategy@groups.io> On Behalf Of Rob Glenn via groups.io
Sent: Monday, April 13, 2026 11:54 AM
To: TSPStrategy@groups.io
Cc: TSPStrategy@groups.io
Subject: Re: [TSPStrategy] When to apply for Social Security approaching age 66 and 10 months

 

Hi Tammy.  I recommend these Facebook groups.

 

Federal Employees and Retirees 

US Federal Retirees 

Federal Employee Retirement Resources

Thrift Savings Plan (TSP) ORIGINAL EST. BY SCOTT ZANE MARCH 2014

 

Rob Glenn

 

On Apr 13, 2026, at 12:33 PM, Tammy <truckie3@charter.net> wrote:

I’m not sure who is maintaining it since Sarah became absent three years ago. I think there’s still a handful of us who been here for a while that get the emails but I don’t think very many people are engaging in conversations here much.

 

If anyone has any suggestions on where else we might be able to find other options for dialogues with retired people on TSP those resources would be greatly appreciated, I’m sure

 

Tammy Maruska

Retired from DOE 2024

 

 

On Apr 13, 2026, at 7:06 AM, Gary Reven via groups.io <tweet_pa=yahoo.com@groups.io> wrote:



is this group still active

On 9/2/2025 11:54 AM, Tammy wrote:

Thank you Paul & Tim for for your quick responses!

 

On Sep 2, 2025, at 3:49 AM, Thomas Wellock via groups.io <thomas.wellock=gmail.com@groups.io> wrote:



In case your mind isn't made up on the best age to file for Social Security, you might try inputting your data into this tool. It will give you an optimal age to file. 

 

https://opensocialsecurity.com/

 

Good luck,

 

Tom

 

On Tue, Sep 2, 2025 at 5:33 AM Paul Jones - AOL2 via groups.io <jonesh2o=aol.com@groups.io> wrote:

I Googled your question and this is the answer it came back with:  When to apply for Social Security approaching age 66 and 10 months

You should apply for Social Security benefits four months before your desired start date, with the application deadline being your 66th birthday plus 10 months, which is your Full Retirement Age (FRA). Since your FRA is 66 years and 10 months, your first benefit payment will be in the month after you pick for your benefits to begin, so you would apply around age 66 and 6 months. You can apply online at www.ssa.gov/retire, by phone, or at a local Social Security office

On 9/2/2025 2:17 AM, Tammy wrote:

I retired a year ago on 8/30/24, with 33 years of federal service. I am receiving a FERS annuity.

 

When I retired, I was just shy of 65 years old and decided that I would wait until age 66 and 10 months to draw Social Security because of the difference in my Social Security by waiting the additional timeframe.  I was born in December 1959.

 

Can anyone give me guidance when I should contact SSA late next summer or early next fall so I can begin receiving my Social Security on time at 66 and 10 months? Unfortunately, there’s only one person in our local SSA office and generally, they will refer you to the 800 number of which there’s usually a 1 1/2 to 2 1/2 hour wait to talk to a person.

 

Any information you can support is greatly appreciated!

 

Tammy

 

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Re: [TSPStrategy] When to apply for Social Security approaching age 66 and 10 months

This guy is good too.  Chris Barfield.  Wish I would have found him years ago. 

 

Has all kinds of articles for federal employees.  https://www.barfieldfinancial.com/

 

Dave

 

 

From: TSPStrategy@groups.io <TSPStrategy@groups.io> On Behalf Of Rob Glenn via groups.io
Sent: Monday, April 13, 2026 11:54 AM
To: TSPStrategy@groups.io
Cc: TSPStrategy@groups.io
Subject: Re: [TSPStrategy] When to apply for Social Security approaching age 66 and 10 months

 

Hi Tammy.  I recommend these Facebook groups.

 

Federal Employees and Retirees 

US Federal Retirees 

Federal Employee Retirement Resources

Thrift Savings Plan (TSP) ORIGINAL EST. BY SCOTT ZANE MARCH 2014

 

Rob Glenn

 

On Apr 13, 2026, at 12:33 PM, Tammy <truckie3@charter.net> wrote:

I’m not sure who is maintaining it since Sarah became absent three years ago. I think there’s still a handful of us who been here for a while that get the emails but I don’t think very many people are engaging in conversations here much.

 

If anyone has any suggestions on where else we might be able to find other options for dialogues with retired people on TSP those resources would be greatly appreciated, I’m sure

 

Tammy Maruska

Retired from DOE 2024

 

 

On Apr 13, 2026, at 7:06 AM, Gary Reven via groups.io <tweet_pa=yahoo.com@groups.io> wrote:



is this group still active

On 9/2/2025 11:54 AM, Tammy wrote:

Thank you Paul & Tim for for your quick responses!

 

On Sep 2, 2025, at 3:49 AM, Thomas Wellock via groups.io <thomas.wellock=gmail.com@groups.io> wrote:



In case your mind isn't made up on the best age to file for Social Security, you might try inputting your data into this tool. It will give you an optimal age to file. 

 

https://opensocialsecurity.com/

 

Good luck,

 

Tom

 

On Tue, Sep 2, 2025 at 5:33 AM Paul Jones - AOL2 via groups.io <jonesh2o=aol.com@groups.io> wrote:

I Googled your question and this is the answer it came back with:  When to apply for Social Security approaching age 66 and 10 months

You should apply for Social Security benefits four months before your desired start date, with the application deadline being your 66th birthday plus 10 months, which is your Full Retirement Age (FRA). Since your FRA is 66 years and 10 months, your first benefit payment will be in the month after you pick for your benefits to begin, so you would apply around age 66 and 6 months. You can apply online at www.ssa.gov/retire, by phone, or at a local Social Security office

On 9/2/2025 2:17 AM, Tammy wrote:

I retired a year ago on 8/30/24, with 33 years of federal service. I am receiving a FERS annuity.

 

When I retired, I was just shy of 65 years old and decided that I would wait until age 66 and 10 months to draw Social Security because of the difference in my Social Security by waiting the additional timeframe.  I was born in December 1959.

 

Can anyone give me guidance when I should contact SSA late next summer or early next fall so I can begin receiving my Social Security on time at 66 and 10 months? Unfortunately, there’s only one person in our local SSA office and generally, they will refer you to the 800 number of which there’s usually a 1 1/2 to 2 1/2 hour wait to talk to a person.

 

Any information you can support is greatly appreciated!

 

Tammy

 

Re: [TSPStrategy] When to apply for Social Security approaching age 66 and 10 months

Hi Tammy.  I recommend these Facebook groups.

Federal Employees and Retirees 

US Federal Retirees 

Federal Employee Retirement Resources

Thrift Savings Plan (TSP) ORIGINAL EST. BY SCOTT ZANE MARCH 2014

Rob Glenn

On Apr 13, 2026, at 12:33 PM, Tammy <truckie3@charter.net> wrote:

 I’m not sure who is maintaining it since Sarah became absent three years ago. I think there’s still a handful of us who been here for a while that get the emails but I don’t think very many people are engaging in conversations here much.

If anyone has any suggestions on where else we might be able to find other options for dialogues with retired people on TSP those resources would be greatly appreciated, I’m sure

Tammy Maruska

Retired from DOE 2024

On Apr 13, 2026, at 7:06 AM, Gary Reven via groups.io <tweet_pa=yahoo.com@groups.io> wrote:



is this group still active

On 9/2/2025 11:54 AM, Tammy wrote:

Thank you Paul & Tim for for your quick responses!

On Sep 2, 2025, at 3:49 AM, Thomas Wellock via groups.io <thomas.wellock=gmail.com@groups.io> wrote:



In case your mind isn't made up on the best age to file for Social Security, you might try inputting your data into this tool. It will give you an optimal age to file. 

https://opensocialsecurity.com/

Good luck,

Tom

On Tue, Sep 2, 2025 at 5:33 AM Paul Jones - AOL2 via groups.io <jonesh2o=aol.com@groups.io> wrote:

I Googled your question and this is the answer it came back with:  When to apply for Social Security approaching age 66 and 10 months

You should apply for Social Security benefits four months before your desired start date, with the application deadline being your 66th birthday plus 10 months, which is your Full Retirement Age (FRA). Since your FRA is 66 years and 10 months, your first benefit payment will be in the month after you pick for your benefits to begin, so you would apply around age 66 and 6 months. You can apply online at www.ssa.gov/retire, by phone, or at a local Social Security office

On 9/2/2025 2:17 AM, Tammy wrote:

I retired a year ago on 8/30/24, with 33 years of federal service. I am receiving a FERS annuity.

When I retired, I was just shy of 65 years old and decided that I would wait until age 66 and 10 months to draw Social Security because of the difference in my Social Security by waiting the additional timeframe.  I was born in December 1959.

Can anyone give me guidance when I should contact SSA late next summer or early next fall so I can begin receiving my Social Security on time at 66 and 10 months? Unfortunately, there’s only one person in our local SSA office and generally, they will refer you to the 800 number of which there’s usually a 1 1/2 to 2 1/2 hour wait to talk to a person.

Any information you can support is greatly appreciated!

Tammy

Re: [TSPStrategy] When to apply for Social Security approaching age 66 and 10 months

I’m not sure who is maintaining it since Sarah became absent three years ago. I think there’s still a handful of us who been here for a while that get the emails but I don’t think very many people are engaging in conversations here much.

If anyone has any suggestions on where else we might be able to find other options for dialogues with retired people on TSP those resources would be greatly appreciated, I’m sure

Tammy Maruska

Retired from DOE 2024

On Apr 13, 2026, at 7:06 AM, Gary Reven via groups.io <tweet_pa=yahoo.com@groups.io> wrote:



is this group still active

On 9/2/2025 11:54 AM, Tammy wrote:

Thank you Paul & Tim for for your quick responses!

On Sep 2, 2025, at 3:49 AM, Thomas Wellock via groups.io <thomas.wellock=gmail.com@groups.io> wrote:



In case your mind isn't made up on the best age to file for Social Security, you might try inputting your data into this tool. It will give you an optimal age to file. 

https://opensocialsecurity.com/

Good luck,

Tom

On Tue, Sep 2, 2025 at 5:33 AM Paul Jones - AOL2 via groups.io <jonesh2o=aol.com@groups.io> wrote:

I Googled your question and this is the answer it came back with:  When to apply for Social Security approaching age 66 and 10 months

You should apply for Social Security benefits four months before your desired start date, with the application deadline being your 66th birthday plus 10 months, which is your Full Retirement Age (FRA). Since your FRA is 66 years and 10 months, your first benefit payment will be in the month after you pick for your benefits to begin, so you would apply around age 66 and 6 months. You can apply online at www.ssa.gov/retire, by phone, or at a local Social Security office

On 9/2/2025 2:17 AM, Tammy wrote:

I retired a year ago on 8/30/24, with 33 years of federal service. I am receiving a FERS annuity.

When I retired, I was just shy of 65 years old and decided that I would wait until age 66 and 10 months to draw Social Security because of the difference in my Social Security by waiting the additional timeframe.  I was born in December 1959.

Can anyone give me guidance when I should contact SSA late next summer or early next fall so I can begin receiving my Social Security on time at 66 and 10 months? Unfortunately, there’s only one person in our local SSA office and generally, they will refer you to the 800 number of which there’s usually a 1 1/2 to 2 1/2 hour wait to talk to a person.

Any information you can support is greatly appreciated!

Tammy

Re: [TSPStrategy] When to apply for Social Security approaching age 66 and 10 months

is this group still active

On 9/2/2025 11:54 AM, Tammy wrote:

Thank you Paul & Tim for for your quick responses!

On Sep 2, 2025, at 3:49 AM, Thomas Wellock via groups.io <thomas.wellock=gmail.com@groups.io> wrote:



In case your mind isn't made up on the best age to file for Social Security, you might try inputting your data into this tool. It will give you an optimal age to file. 

https://opensocialsecurity.com/

Good luck,

Tom

On Tue, Sep 2, 2025 at 5:33 AM Paul Jones - AOL2 via groups.io <jonesh2o=aol.com@groups.io> wrote:

I Googled your question and this is the answer it came back with:  When to apply for Social Security approaching age 66 and 10 months

You should apply for Social Security benefits four months before your desired start date, with the application deadline being your 66th birthday plus 10 months, which is your Full Retirement Age (FRA). Since your FRA is 66 years and 10 months, your first benefit payment will be in the month after you pick for your benefits to begin, so you would apply around age 66 and 6 months. You can apply online at www.ssa.gov/retire, by phone, or at a local Social Security office

On 9/2/2025 2:17 AM, Tammy wrote:

I retired a year ago on 8/30/24, with 33 years of federal service. I am receiving a FERS annuity.

When I retired, I was just shy of 65 years old and decided that I would wait until age 66 and 10 months to draw Social Security because of the difference in my Social Security by waiting the additional timeframe.  I was born in December 1959.

Can anyone give me guidance when I should contact SSA late next summer or early next fall so I can begin receiving my Social Security on time at 66 and 10 months? Unfortunately, there’s only one person in our local SSA office and generally, they will refer you to the 800 number of which there’s usually a 1 1/2 to 2 1/2 hour wait to talk to a person.

Any information you can support is greatly appreciated!

Tammy

New Industry Guidelines Detail How to Buy Fabric Online Without Seeing It First

To buy fabric online without seeing it first, buyers must mathematically translate digital specifications like Grams per Square Meter and stretch percentages while enforcing strict physical wash protocols on sample swatches. Leading U.S. textile suppliers reported a 42% decrease in wholesale returns during fiscal 2025 when commercial buyers abandoned subjective texture descriptions in favor of hard data. Digital sourcing removes the physical hand from the evaluation process. The hand defines the tactile feel of the material. You risk severe manufacturing delays if you rely on flat lay photography alone. Source: Linkedin

Buyers determine accurate material density by reading the GSM data rather than trusting generic vendor adjectives. GSM measures exact physical weave density. A 150 GSM textile material performs well for lightweight apparel, whereas a 400 GSM material provides the rigidity needed for commercial outerwear. Digital sourcing requires buyers to locate visual proxies to evaluate drape. Drape defines the hanging behavior of a textile. Buyers assess this fluidity by demanding rosette photographs. A rosette photograph displays the material twisted into a spiral. You misjudge the flexibility of the warp and weft if you only review flat images.

Buyers verify pattern compatibility by extracting the stated stretch percentage and replicating that ratio against a physical ruler using known knit textiles. Spandex fibers dictate the modulus of elasticity. A 4-inch sample possesses a 50% stretch capacity if it extends to 6 inches comfortably. Professionals mitigate remaining physical risks by executing rigorous swatch tests. A swatch test exposes the raw sample to American Association of Textile Chemists and Colorists wash standards. You quantify shrinkage accurately if you launder a precise 4-inch square sample at maximum industrial heat settings.

Safe digital textile sourcing requires strict adherence to standardized numerical metrics over subjective visual estimations. U.S. industry data proves that quantitative analysis eliminates the traditional barriers of remote purchasing. Buyers secure exact materials for bulk production runs if they follow these technical translation methods. Start your next commercial manufacturing run securely by immediately requesting a baseline test sample from your chosen digital supplier today.

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How Brand Mentions and Citations Improve SEO

Brand citations for SEO grow when your site defines the brand clearly, your content gives publishers something worth referencing, and your outreach targets pages that already cover your category. That is the practical answer. A brand citation helps when it places your name next to the right topic on a trusted page with useful context. A weak mention on an unrelated page adds little. A strong mention on a relevant page can strengthen category association, branded search demand, and referral trust.

Start on your own site. Your home page should state what the brand does, who it helps, and which service or product category it belongs to. Your About page should confirm the same position. Your author pages should connect real expertise to the brand. Your internal links should point readers and search engines to the pages that explain your main offers. Google says structured data gives explicit clues about a page, so accurate Organization markup also helps clarify the brand entity.

Next, publish one asset that deserves citations. The best pages for this job answer one clear question fast, use strong headings, and include a source, an expert, or an original point of view. Research pages, benchmark pages, comparison pages, and narrow how-to pages attract more mentions than generic blog posts because writers can quote them, link to them, or use them as a reference.

Then move off page. Pitch editors, newsletter writers, podcasters, and community leaders who already discuss your topic. Offer one useful angle, not a broad request for attention. A short quote, a small data point, or a clear framework works better than a generic sales message. Review unlinked mentions too. When a page already names your brand, a source link often becomes an easy editorial update if the link helps the reader.

Measure quality, not just volume. Track which pages mention the brand, which topics they connect to it, whether the mention is linked, and whether branded queries grow after those citations appear. More citations alone do not win. Better citations do.

That is how you increase brand citations for SEO with clarity, relevance, authority, and repeatable execution.

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Source: https://www.linkedin.com

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Generative Engine Optimization (GEO) Mechanics and Implementation Strategy

Generative Engine Optimization (GEO) is the technical methodology of structuring digital assets so artificial intelligence search models extract and cite your data. Legacy search algorithms evaluate blue links based on keyword density. Generative AI systems synthesize distinct facts. Large Language Models (LLMs) process server-side HTML to answer user queries directly.

Search Engine Optimization builds domain authority through hyperlinks. Generative Engine Optimization builds semantic authority through verifiable brand mentions. Generative algorithms rely on Natural Language Processing to plot semantic entities inside a high-dimensional vector space. The system calculates the mathematical distance between concepts. A search engine selects your document for Retrieval-Augmented Generation (RAG) if the vector proximity matches the query intent closely. Content creators must format data into discrete, parsable blocks. Generative engines ignore large text walls. The system bypasses pages lacking explicit entity definitions.

Writers optimize for machine parseability by deploying strict H2 and H3 HTML hierarchies. You provide clear structural signals to AI crawlers if you place direct answers immediately under these subheadings. Implement JSON-LD schema markup like FAQPage to categorize information explicitly. Provide concrete evidence like statistical reports and cited academic papers. Generative models prioritize factual density to prevent hallucinations. Use absolute dates instead of relative timeframes. This practice aids freshness signals. The algorithm features your proprietary data prominently if users search for those exact metrics.

Marketers measure generative visibility using Share of Model (SoM) and citation frequency metrics. Traditional web analytics fail to capture zero-click generative outputs. Share of Model calculates your brand citations against direct competitors for exact query clusters. Track AI referral traffic originating from generative interfaces. Monitor the sentiment patterns AI engines generate alongside your brand mentions. Positive context injection improves algorithmic trust scores over time.

You align your digital assets with AI machine extraction protocols. Audit your highest-performing landing pages for parseability and entity clarity. Format all factual statements as direct semantic triples. This methodology establishes your brand as the primary reference point inside AI-generated responses. Increase your information gain scores for modern algorithms.

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