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The Florala News
Florala , Alabama
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June 28, 2017     The Florala News
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June 28, 2017
 

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Ornament sale begins The Kiwanis Club of the Tri-Cities Florala is selling their 2nd annual pewter Christmas orna- ment featuring Tyner Station. There is also a lim- ited number of the 1st annual ornament, the Masonic Lodge still available. The ornaments can be purchased at the 5th Avenue Market, Florala Pharmacy, Melisa K. PoweU CPA's office, Ala- bama Land & Home, LLC or by contacting any Kiwanis Club mem- ber or calling 334-574- 9501. QUILTERS - Nell Davis, Jeledia Pitman, and Estelle Norman. Paxton Garden Club has started their 2017 fundraising with the introduction of a new hand-quilted hand -pieced quilt by the Florala Senior Citizens Center Quilters, includ- ing Nell Davis, Jeledia Pitman, and Estelle Norman. Funds raised are used for community service work including Thanksgiving food bas- kets, fruit baskets for the needy, and Paxton Christmas lights judg- ing. Quilt chances are $1.00 each or 6 for $5.00. Tickets may be purchased from any club member: Jerleen H. Skirven, president; Dorothy Skirven Den- son, vice-president; Armelda Orme, secre- tary; Estelle Norman, treasurer; Mary Smith, chaplin; Mary Wilker- son and Sandy Hossack, membership and social director. Anyone interested in joining is welcome. Meetings are held the second Tuesday of the month at Paxton City Hall from September through May. The Club held their annual Senior Citizens Spring Fling dinner re- cently at the Paxton Ag- riculture Center. Alarge amount of food, des- serts and drinks were enjoyed. Rex Qualls en- tertained playing music and singing. Last year's quilt win- ner was Bobby Kemp, Sr. The Club appreci- ates all who purchase tickets. by AMAC Certified Social Security Advisor Russeil Gloor Association of Mature American Citizens Ask Rusty - thousands of dollars Spousal Benefits Lostin benefits, simply be- cause they did not know Dear Rusty: they had to actually ap- I took my Social Secu- ply for spousal benefits rity at 62 since !hadw hen~they, became eli, to: stop working to care gible for them. A simi- for my morn when I was 57. I was widowed at the time but remarried when I was 58 1/2 years old. I collected on my own work record,, which was low. Why didn't I get half of my present husband's benefit when he started benefits at his full retirement age? I am 70 now. Will I get his full Social Security if he dies before me? Signed: Missing Benefits Dear Missing: Yours is an issue which we unfortunately see occasionally with folks who have been collect- ing their own benefits for a long time and later become entitled to more than they have been receiving. This situation arises with couples where the low- er-earning spouse filed for Social Security be- fore their higher-earn- ing spouse applied. The lower-earning spouse (spouse#l) got ben- efits based upon their own work record only and received no spou- sal benefit because the higher-earning spouse (spouse#2) had not yet filed. Later on, when spouse#2 finally filed for benefits, spouse#1 became eligible for a "spousal boost" (if their spousal benefit was more than their own), but it did not happen automatically; that "spousal boost" had to be applied for when spouse #2 started ben- efits. Unfortunately many people didn't re- alize this, assuming that the benefit they received when they first filed is what they get for the rest of their life. They might also have assumed that So- cial Security automati- cally made the spousal adjustment for them, which wasn't the case. As a result, we find that some spouses have lost lar situation might ex- ist where someone who was single and already receiving benefits mar- ries a higher-earning person already collect- ing Social Security ben- efits. Again in this case, spousal benefits must have been applied for to be received. Note that since the Bipartisan Budget Act of 2015 was enacted, everyone ap- plying for Social Secu- rity is "deemed filing" for both their own and spousal benefits; but that doesn't mitigate this particular issue be- cause both spouses ap- plied for benefits prior to the new rules becom- ing effective. In your specific case, you became eligible for your additional spousal benefit as soon as your present husband's ben- efits began. Assuming your husband is about the same age as you, if of your husband's benefit at his full re- tirement age of 66 was more than your own benefit, this means that you have gone for about 4 years without receiv- ing the added spousal benefits you are en- titled to. So, the first thing you should do is to contact Social Security as soon as possible and apply for your spousal benefits (or do it online at ssa.gov). When you do this, be sure to make the effective date of those benefits 6 months prior to the date you file, because Social Se- curity will pay you up to 6 months of retroac- tive benefits. Unfortu- nately, the remaining 3 years of the benefits you were entitled to but didn't claim may be lost. There is at least some chance, if your husband listed you as a spouse when he applied, that Social Security might give you more than six months retroactive, so you should make an ap- pointment and explain what happened to see if anything more can be recovered. As to your second question, yes, upon your husband's death you will ,receive 100% of the benefit he was receiving, instead of the benefit you are already receiving. The information presented in this article is intended for general information purposes only. The opinions and in- terpretations expressed in this article are the viewpoints of the AMAC Foundation's Social Se- curity Advisory staff, trained and accredited under the National So- cial Security Advisors program of the Nation- al Social Security As- sociation, LLC (NSSA). NSSA, the AMAC Foun- dation, and the Foun- dation's Social Security Advisors are not affili- ated with or endorsed by the United States Gov- ernment, the Social Se- curity Administration, or any other state gov- ernment. Furthermore, the AMAC Foundation and its staff do not pro- vide legal or accounting services. The Founda- tion welcomes questions from readers regarding Social Security issues. To submit a request, contact the Foundation at info@amacfounda- tion.com. THE FLORALA NEWS - WEDNESDAY, JUNE 28, 2017 PAGE 5 Buddy's Fireworks FI Buddy Holley turned his love for fireworks into a successful busi- ness that started in Lockhart, Alabama. Buddy moved the location to Florala in 1978 and it has grown since. Buddy's Fire- works was first located at the fair- grounds in Florala, and then moved to its current location behind Ed Smith's Fillin' Station. Four different size build- ings have been located there, grow- ing in size to meet customer demands. The current building, built in 2006, offers 4,000 square feet of merchandise, mak- ing it one of the larg- est fireworks stores within the Southeast. Only name brand, quality, tested, fire- works are sold at Buddy's Fireworks in- cluding "Black Cat", "Fireworks Over America", and "Atom- ic" brands which are synonymous with quality and excel- lence. Buddy and his family person- ally test the fire- works to make sure they meet his high standards before they are placed for sale, and stand be- hind every product sold. Buddy's Fire- works has been family owned and operated since the very beginning. Come see Buddy and his family for all your fireworks needs! THE FLORALA NEWS WILL SPOTLIGHT FLORAIA BUSINESSES WEEKLY BEGINNING WITH THE OLDEST BUSINESSES TO THE NEWEST BUSINESSES. ing the same student population and have some enhanced ways to support them. We won't have the Saturday aca- demic and cultural en- hancement portion of the program, but we have a new director of student success and an enhanced orientation and advising process," said Riedel. LBW reaches out to high school students in several other ways, he added. ' We provide dual en- rollment courses in both technical and academic programs, College 101 for high school seniors to better prepare them on what to expect from college, participate in college and career fairs, and are open to any col- lege visits that schools would like to organize." Last year, LBWCC was awarded a $2.5 mil- lion Title III five-year grant through the U.S. from page 2 Department of Educa- tion that is allowing the development of student success programs, he said. "The Title III grant is funding the develop- ment of a student suc- cess program, including success coaching begin- ning this fall. Within the next few years, we will also be able to develop a new occupational ther- apy assistant technical training program." pdate & Average retail gaso- line prices in Alabama have fallen 3.6 cents per gallon in the past week, averaging $1.98/g yesterday, according to GasBuddy's daily sur- vey of 3,348 gas outlets in Alabama. This com- pares with the national average that has fallen 2.6 cents per gallon in the last week to $2.25/g, according to gasoline price website GasBud- dy.eom. Including the change in gas prices in Ala- bama during the past week, prices yesterday were 11.0 cents per gal- lon lower than the same day one year ago and are 11.3 cents per gal- lon lower than a month ago. The national aver- age has decreased 11.5 cents per gallon dur- ing the last month and stands 5.7 cents per gallon lower than this day one year ago. According to Gas- Buddy historical data, gasoline prices on June 26 in Alabama have ranged widely over the last five years: $2.09/g in 2016, $2.51/g in 2015, $3.43/g in 2014, $3.28/g in 2013 and $3.06/g in 2012. Areas near Alabama and their current gas price climate: Birmingham $1.96/g, down 3.5 cents per gallon from last week's $1.99/g. Montgomer y- $1.95/g, down 4.9 cents per gallon from last week's $1.99/g. Huntsville - $2.01/g, down 3.3 cents per gal- lon from last week's $2.04/g. "As motorists pack their cars in prepara- tion for the July 4 holi- day, gasoline prices con- tinue their widespread drop, failing in all five states over the last week, as retail prices play catch up to the falling price of crude oil," said Patrick De- Haan, senior petroleum analyst at GasBuddy. "Michigan, Indiana, Ohio, Kentucky and Il- linois saw prices rise slightly due only to the fact that gas prices had fallen so significantly that stations in those areas were selling un- der their cost, prompt- ing an adjustment. For the rest of the country, the downward momen- tum has continued and may do so again this week, so long as there's no sudden reversal in the price of crude oil. It's amazing we're staring at some of the cheap- est prices of the year as the holiday comes into view," DeHaan said. For live fuel price av- erages, visit http://Fu- elInsights.GasBuddy. com. I gl ~,~1:1 =1~'1 ~1 ~,kvA [o.] =F,.1 :[o] ~l =hVA U -J I[o]k'd ~ ~ Post jobs on JOBLINK.ALABAMA.GOV Candidate pre-screening services and interview space Find out if valuable tax credits are available to you On-the-job Training and Incumbent WORKER training ~unding provided by the USDOL, ETA, Federal WIOA. An Equal Opportunity Employer~Program Auxiliary aids and services available upon request to individuals with disabilities.