Future Beneficiary Expectations of the Returns to Delayed Social Security Benefit Claiming and Choice Behavior

We report on our preliminary findings from an innovative module of survey questions in the RAND American Life Panel designed to measure willingness to delay take-up of Social Security benefits. Among respondents who expect to stop working full time prior to turning age 62, over 60 percent report that they expect to start claiming Social Security benefits after they turn 63--that is, they expect to delay claiming. In contrast, among those who expect to stop full-time work sometime from age 62 to age 70, only about onequarter expect to delay claiming beyond the retirement age. Another main finding arises from reported probabilities of delayed claiming in hypothetical choice scenarios. These probabilities tend to be quite high relative to previous findings on delayed claiming outcomes. This result is particularly striking for those who are presented with information about the so-called "break-even age" for delayed claiming rather than information about the total amount of benefits that must be foregone during the one year delay.

That\u27s Why I\u27m Single Today

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When It\u27s Orange Blossom Time In Loveland I\u27ll Be Waiting at the Church For You

VERSE 1Don’t you sigh, don’t you cry,Good times will soon be coming,Springtime must come again.By and by you and I,A tune will soon be hummingMore like a wedding strain.For the day is drawing near,I’ll be with you never fear. CHORUSWhen it’s orange blossom time in lovelandDon’t forget to wear your wedding gown,Dress right up in style, wear your sweetest smile,I’m coming, I’m coming,I’ll soon be back in town.When you hear those wedding bells aringing,Then you’ll understand just what to do.When it’s orange blossom time in lovelandI’ll be waiting at the church for you.When it’s you. VERSE 2Winter’s here, spring is nearFor time is ever flying,Soon we must welcome June.Then my dear, never fear,You’ll have no time for sighing,Then’s when we’ll honeymoon.With your sweetheart by your side,You will be a blushing bride. CHORU

Could The Dreams Of A Dreamer Come True

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Measurement of the Spatial Cross-Correlation Function of Damped Lyman Alpha Systems and Lyman Break Galaxies

We present the first spectroscopic measurement of the spatial cross-correlation function between damped Lyman alpha systems (DLAs) and Lyman break galaxies (LBGs). We obtained deep u'BVRI images of nine QSO fields with 11 known z ~ 3 DLAs and spectroscopically confirmed 211 R < 25.5 photometrically selected z > 2 LBGs. We find strong evidence for an overdensity of LBGs near DLAs versus random, the results of which are similar to that of LBGs near other LBGs. A maximum likelihood cross-correlation analysis found the best fit correlation length value of r_0 = 2.9^(+1.4)_(-1.5) h^(-1)Mpc using a fixed value of gamma = 1.6. The implications of the DLA-LBG clustering amplitude on the average dark matter halo mass of DLAs are discussed.Comment: 12 pages, 2 figures, accepted for publication in Astrophysical Journal Letter

I Love My Wife But Oh! Her Family

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The Eyes Of The World

https://digitalcommons.library.umaine.edu/mmb-vp/5538/thumbnail.jp