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On the 'Net #1: Calculate Your Benefits. Visit the Retirement Estimator at the Social Security Administration website (www.ssa.gov/planners --> Click on calculators --> then click on quick calculator). There you will find a quick calculator that can be used to estimate your Social Security benefit in today’s dollars. Use an income figure that approximates what you expect to earn in the first full year after graduating from college. When the calculator provides your answer, click on ‘‘break-even age’’ to see when you would be better off if you had waited until age 67 to begin taking benefits rather than age 62.

Action Involvement Project #2: Letter of Last Instructions. Inventory what you own, including items of sentimental value, and write a letter of last instructions telling heirs who get what items. Sign and date the form. It is not necessary to have it witnessed, but you can if you wish.

Action Involvement Project #3: Guardianship Criteria. Assume you have children and wish to identify a guardian for them in the event you die before they are adults. Make a list of criteria you and a significant other might consider when making such a decision.


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(Top Tutor) Daniel C.
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