As long as you are working in a job with qualifying health insurance, you do not have to take Medicare part B. However, your employers and their health insurance program may require you to take part B and make the insurance program the secondary payer. Sometimes (my case) they decide to do that after the fact. I'd suggest checking on that now.
At 65 you may lose part of your SS based on your earned income. At 66 you don't have to take that reduction (payback).
The general rule about retirement calculations is you have to live past 85 to come out better by delaying your benefits. That's a steep hurdle for most of us based on family history.
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Today's Featured Article - 12-Volt Conversions for 4-Cylinder Ford 2000 & 4000 Tractors - by Tommy Duvall. After two summers of having to park my old 1964 model 4000 gas 4 cyl. on a hill just in case the 6 volt system, for whatever reason, would not crank her, I decided to try the 12 volt conversion. After some research of convert or not, I decided to go ahead, the main reason being that this tractor was a working tractor, not a show tractor (yet). I did keep everything I replaced for the day I do want to restore her to showroom condition.
... [Read Article]
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