Let’s face it, it can be a little tricky to find a nice Thai lady in a “normal” environment that actually wants to go out with you.

2016 love chat online member dating-61

They can’t change their choice either, which means no deferring benefits until age 70 and then switching options for a larger monthly check.

However, those who will turn 62 by the end of the year will be grandfathered in under the old rules for restricted applications.

At that time, a person must file for Social Security and actually receive benefits in order for a husband or wife to get a spousal benefit.

However, for those who are at least 66 or who will turn 66 by April 30, 2016, there is still an opportunity to get in under the old file-and-suspend system.

As usual some unscrupulous finance-related businesses seized upon those modifications to scare gullible readers into signing up for hefty financial newsletter subscriptions in order to protect themselves from Congress’ supposed “hidden radical reform that threatens the financial security of as many as 21.3 million Americans.” In fact, the pending changes are relatively minor: they do not take away any existing benefits or alter core Social Security benefits or payment levels, they are not “hidden” or “radical,” and they do not “threaten the financial security” of millions of Americans.

The coming changes will alter or eliminate a few strategies used by some people to maximize their Social Security benefits, however, so those in a position to take advantage of them while they still exist need to know how they can be “grandfathered” in.

The first change applies to Social Security’s “file and suspend” strategy, which allowed couples to maximize their combined benefits by having one spouse file for Social Security upon reaching full retirement age (currently 66), then immediately suspending the benefits.

This allowed the other spouse to claim a spousal benefit while their deferred Social Security grew 8 percent per year until age 70: The file-and-suspend strategy will no longer work after May 1, 2016.

In October 2015, HR 1314, also known as the Bipartisan Budget Act of 2015, was passed by Congress.