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Ask Rusty: About Working While Collecting Early SS Benefits
Dear Rusty: How much would be withheld from my Social Security benefits? I am 62 and can claim about $1,900 a month now. I’m still working, making about $75,000 per year. How much of my benefits would I get? What would be withheld from me and when would I get it back? And would there […]
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Dear Rusty: How much would be withheld from my Social Security benefits? I am 62 and can claim about $1,900 a month now. I’m still working, making about $75,000 per year. How much of my benefits would I get? What would be withheld from me and when would I get it back? And would there be any penalty?
Signed: Eligible but Working
Dear Eligible but Working: In the scenario you describe, you will not be eligible to collect Social Security (SS) retirement benefits at this time because your earnings are too high. Here is how that is determined.
• At age 62, you are subject to Social Security’s “earnings test”, which limits how much you can earn while collecting early benefits. The earnings limit applies until you reach your full retirement age (FRA), which for you is 67.
• Your penalty for exceeding the earnings limit now would be $1 for every $2 you are over the limit. At your current salary of $75,000 per year, you will be over the 2022 annual earnings limit of $19,560 by $55,440, which means you would owe Social Security $27,720. Since your age 62 benefit amount is about $1,900 per month ($22,800 per year), your annual SS benefit would be insufficient to offset the penalty for exceeding the earnings limit, thus you would not be entitled to a Social Security benefit because of your current earnings. You will again be eligible to collect SS when your earnings are substantially less, or when you reach your full retirement age, whichever occurs first.
Social Security’s earnings test affects everyone who works and earns when collecting benefits before reaching full retirement age. Each year, Social Security sets a limit for how much can be earned before benefits are affected (the 2022 limit is $19,560; it increases slightly each year). Those who exceed the limit pay a “penalty” of $1 for every $2 they are over the limit, which must be paid to SS either in a lump sum, or by having benefits withheld for enough months for SS to recover what is owed. If your Social Security benefit isn’t enough to offset the penalty for exceeding the earnings limit, no benefits will be paid.
Those collecting early benefits who earn only slightly more than the annual earnings limit can collect some benefits each year because their penalty is small enough. For example, people earning $25,000 per year would exceed the 2022 earnings limit by $5,440 and, thus, incur a penalty of $2,720. That would probably mean about two months of withheld benefits, enabling them to get benefits for the remaining 10 months of the year. Social Security will withhold benefits for enough months to recover whatever the beneficiary owes for exceeding the limit.
The rules surrounding Social Security’s earning test are somewhat complex. For example, there is a “first year rule” which exempts salary earned prior to claiming SS from counting toward the earnings limit. When people first claim Social Security mid-year they are, instead, subject to a monthly limit ($1,630 for 2022) for the remaining months of the calendar year. If the monthly limit is exceeded, no benefits are payable for that month. The earnings limit no longer applies when full retirement age is reached but is still in effect in the months of that year prior to attaining FRA. The earnings limit during those months is much higher and the “penalty” for exceeding it is less.
Social Security prefers that those working and collecting early benefits contact them in advance to withhold benefits for as long as needed to offset the expected penalty. Doing so will avoid an overpayment notice being issued in the following year when your earnings amount is received from the IRS.
After full retirement age, Social Security will adjust the beneficiary’s payment to account for months benefits were withheld and increase the monthly amount accordingly. That will result in some, or perhaps all, of the withheld benefits being recovered over time — depending on longevity.
Russell Gloor is a national Social Security advisor at the AMAC Foundation, the nonprofit arm of the Association of Mature American Citizens (AMAC). The 2.4 million member AMAC says it is a senior advocacy organization. Send your questions to: ssadvisor@amacfoundation.org.
Author’s note: This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained and accredited by the National Social Security Association (NSSA). The NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity.

Pinsky & Skandalis law firm leases nearly 3,000 square feet of office space in DeWitt
DeWITT — Pinsky & Skandalis Attorneys at Law recently leased 2,943 square feet of class A office space at 6723 Towpath Road in the town of DeWitt. Brian Balash of Cushman & Wakefield/Pyramid Brokerage Company helped arrange the transaction, representing the tenant in this lease, according to a release from the real-estate firm. The office
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DeWITT — Pinsky & Skandalis Attorneys at Law recently leased 2,943 square feet of class A office space at 6723 Towpath Road in the town of DeWitt.
Brian Balash of Cushman & Wakefield/Pyramid Brokerage Company helped arrange the transaction, representing the tenant in this lease, according to a release from the real-estate firm.
The office is located in a more than 49,000-square-foot building, located on almost 7.5 acres of land, according to Onondaga County’s online real-estate records. The property is owned by Mesa of NY, Inc. of Syracuse.
Pinsky & Skandalis is a small law firm with practice areas including government relations & administrative law, litigation & insurance defense, health care, transportation & logistics, business, corporate & tax, and general practice, according to its website.
VIEWPOINT: Digital vs. Traditional Marketing: Who Wins?
“When used together, traditional and digital marketing can reach more audiences, build and keep trust, and motivate buying from consumers who otherwise might tune out marketing messages.” — Harvard Business Review With apps like TikTok and Snapchat drawing in hundreds of millions of users every day, companies now more than ever are directing their attention toward
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“When used together, traditional and digital marketing can reach more audiences, build and keep trust, and motivate buying from consumers who otherwise might tune out marketing messages.”
— Harvard Business Review
With apps like TikTok and Snapchat drawing in hundreds of millions of users every day, companies now more than ever are directing their attention toward digital advertising. With increasingly valuable software that personalizes and tracks your target users, who wouldn’t? But does this mean the era of traditional television, radio and print is over? According to the Harvard Business Review (HBR), not quite.
After a decade-long decline in traditional advertising, research shows that companies today are reinvesting in these media that many disregarded as a passing era. Traditional marketing is proving to be an enduring approach to advertising that digital ads cannot completely expunge.
As many businesses already know, digital and traditional advertising each have their advantages and disadvantages. While social media may rightfully seem like the new, shiny path to progress in the world of advertising, that is not to say one should throw traditional advertising to the wind.
Why traditional?
Tradition is tradition for a reason. A well-placed television, radio, or print advertisement is consistently shown to garner more engagement than the digital advertisements to which consumers have grown accustomed. Think about it — how often do you scroll right past the wall of advertisements on Instagram, or count down the five seconds until you can skip ahead to your YouTube video?
It is much easier to ignore the abundance of “digital clutter,” as HBR calls it, than ignore an advertisement on a television show you’re already watching, or a well-written advertisement in a newsletter you’re already reading. Scrolling past an ad on social media is mindless, whereas one cannot fully ignore a printed ad quite as easily. This natural exposure to traditional advertising is typically received better, as well. Consumers are more engaged, attentive, and receptive to traditional ads when they are being overexposed to digital ones.
Why digital?
New media is attractive to many companies for its ability to pull in new consumers — especially younger generations who turn to social media and streaming services before cable television, radio, outdoor, or direct mail. Readily available metrics are also a big draw for business.
Digital advertising has grown exponentially because of its own unique merits. With so many options in the digital realm, it may seem possible to reach all of your desired consumers at once, eliminating the need for older marketing methods. Digital ads may be able to reach the same consumer, but they may not elicit the same reaction. While traditional ads can be more personal in terms of storytelling and individuality, nothing says personal like third-party cookies. Targeting consumers has never been easier than it is today, and this will always set digital apart from traditional. Yet, at the same time there is always the threat of the cookie crumbling.
Why both?
We’ve touched on some of the pros and cons of each strategy, but what about the synergy of using both traditional and digital? That’s where it’s at. By using a media mix, messaging will have a much larger reach and a greater impact on conversions and sales.
For example, you’re driving down the road and hear an ad for the same product you saw on social this AM and then later you see it again on YouTube or TV. This is where repetition across media and platforms can really resonate with audiences and creates greater brand exposure. It’s also where credibility and trust are built. The combination of digital and traditional reinforces messaging and elicits buy-in. Using traditional to push consumers to a company website or social page enables the two to work together to help create a positive response and move customers through the stages of the buyer’s journey.
Adopting an integrated marketing approach of traditional and digital ties your messages together. The result is an increase in brand engagement: a win-win for brands and consumers.
Steve Johnson is managing partner of Riger Marketing Communications in Binghamton. Contact him at sdjohnson@riger.com. Kaitlyn Liu, a former intern at Riger, co-authored this article.
OPINION: Why is Gov. Hochul Stalling COVID-19 Response Report?
Since taking office, Gov. Kathy Hochul has insisted a full review of the state’s COVID-19 pandemic response is forthcoming. Yet, as the weeks and months linger on, no such report has been released nor has the administration even hired any consultants or even begun taking contract bids to get to the bottom of what happened.
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Since taking office, Gov. Kathy Hochul has insisted a full review of the state’s COVID-19 pandemic response is forthcoming. Yet, as the weeks and months linger on, no such report has been released nor has the administration even hired any consultants or even begun taking contract bids to get to the bottom of what happened. It appears that while the families of those who died continue to desperately seek clarity and answers, the governor is in no rush to provide them.
Sadly, it is not surprising the governor is dragging her feet on the matter. The timeline of events leading up to today — including the previous administration’s disastrous policy to admit COVID-positive individuals into nursing homes and long-term care facilities, subsequent cover up of the true number of elderly New Yorkers who died, the earthshattering investigation from New York Attorney General Letitia James, and now obvious stalling on a full report — is clear evidence the governor is afraid of what that report may reveal. Too bad for her, though, hiding from the facts does not make them any less true.
The Assembly Minority Conference long suspected the state’s pandemic response was ineffective, and as such has pushed back hard against any attempts to shield the public from what really happened. My colleagues and I have written letters, requested hearings, asked that those most closely involved be subpoenaed, demanded answers, and supported every effort by those impacted to press their representatives and the governor’s office to investigate the matter thoroughly and honestly. This information is critical to ensuring nothing like this ever happens again.
Misleading and dodging the families and loved ones of those impacted is unto itself completely unacceptable. But just as inappropriate is a willful delay or deliberate withholding of critical information that could be applied to future public-health emergency responses. This information is lifesaving, and obscuring it for political convenience is well beyond the pale. Simply stated, we need answers. We have needed them for months, and Gov. Hochul’s time is up — no more stalling.
I have spoken to individuals across New York state who have experienced the worst of the pandemic response and they all want the same thing: closure. They are not going to forget what happened, and any political strategy centered on waiting out the public outrage is not going to work. As the state’s chief executive, Gov. Hochul has a moral responsibility to get to the bottom of what happened, and each passing day she does not is a travesty that disrespects the tens of thousands of victims and those who mean to prevent another tragedy.
I am, again, calling on her to fully investigate the state’s pandemic response, fix prior mistakes, and help our state finally heal.
William (Will) A. Barclay, 53, Republican, is the New York Assembly minority leader and represents the 120th New York Assembly District, which encompasses most of Oswego County, including the cities of Oswego and Fulton, as well as the town of Lysander in Onondaga County and town of Ellisburg in Jefferson County.
OPINION: Always Leave Them with Hope
Many years ago, I was in the audience when the Rev. Jesse Jackson, the civil-rights activist and election mobilizer, gave a speech. He often used the catchphrase, “Keep hope alive!” when he spoke, and he did so that time. The audience picked it up as a chant, shouting out in unison: “Keep hope alive!” It
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Many years ago, I was in the audience when the Rev. Jesse Jackson, the civil-rights activist and election mobilizer, gave a speech. He often used the catchphrase, “Keep hope alive!” when he spoke, and he did so that time. The audience picked it up as a chant, shouting out in unison: “Keep hope alive!” It was a memorable bit of political showmanship.
A few years later, I gave a speech at a small college in Iowa. I used it to analyze all the challenges our country faced, domestic and foreign, and finished thinking I’d done a pretty good job of laying out our problems. Afterward, a young student came up to me. “That was a marvelous speech, Congressman,” she said. “I’ve just got one question: Is there any hope?”
I realized then that, far from rising to the occasion, I had failed. Jesse Jackson was right: You always have to leave your listeners with hope, and I had not done that.
This is hard to pull off, of course — possibly harder now than it was then. We face a long list of seemingly intractable problems, from climate change to mass shootings to threats to our democratic processes to overseas rivals willing to test us at every turn. It’s easy to get discouraged and to believe that we cannot solve or manage those problems — and then to give in to despair. But Jackson and that student were right. We constantly need reminding that we can change things for the better.
The reason, actually, is straightforward. The backbone of our system of representative democracy is its faith in ordinary Americans to step up to their responsibility as citizens to improve their corner of the world — by their own direct actions as well as by making discriminating judgments about politicians and policies. If you rob people of hope, then you rob them of a reason to be involved.
In decades of talking to people all over the country, I have been repeatedly impressed by the strength of citizens’ desire to improve their communities. This often reflected itself in specific projects — a bridge, road, or renovations to a local school — but it also applied to supporting quality leaders who could get things done for their communities.
To be sure, people were often wary of politics: they thought it was filled with messiness and noise. But at the end of the day, they saw the need for deal-making, compromise, and negotiation. I think this is still true for the majority of Americans, though an alarming number these days want to elect political leaders who will brook no compromise — and, indeed, seem to take an almost punitive approach to fellow citizens and politicians who disagree with them. They want to extinguish hope.
Still, I believe that most Americans are solidly pragmatic. They recognize the complexities of the challenges we face, see the limitations on what can be accomplished at any given moment, and believe that even in the face of division there is much that unites us, especially the urge to improve our own lives and those of our neighbors and fellow community members. They’re very aware of differences of opinion and operate out of a basic sense of decency and fairness. They want the process to reflect fairly where people stand. I think that, without articulating it, they understand instinctively that keeping the process fair is crucial to keeping hope alive.
I have worked in this system a long time, and I believe it can do just that — if it’s allowed to work, and if citizens are allowed to fulfill the basic responsibility of being involved. That’s why the hope of changing things for the better is so crucial. We may face serious, difficult problems, but if we allow ourselves to become discouraged — or even worse, to be discouraged from tackling them — then progress really will be impossible.
Lee Hamilton, 91, is a senior advisor for the Indiana University (IU) Center on Representative Government, distinguished scholar at IU Hamilton Lugar School of Global and International Studies, and professor of practice at the IU O’Neill School of Public and Environmental Affairs. Hamilton, a Democrat, was a member of the U.S. House of Representatives for 34 years (1965-1999), representing a district in south-central Indiana.

Pinckney Hugo Group, a full-service marketing- communications firm, has hired SAM MERLIN, of Syracuse, as a motion graphics designer. Prior to joining Pinckney Hugo Group, Merlin worked as a videographer and video editor at 1A Auto Parts in Pepperell, Massachusetts. He also gained experience as the chief editor for Medfield TV in Medfield, Massachusetts, and
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Pinckney Hugo Group, a full-service marketing- communications firm, has hired SAM MERLIN, of Syracuse, as a motion graphics designer. Prior to joining Pinckney Hugo Group, Merlin worked as a videographer and video editor at 1A Auto Parts in Pepperell, Massachusetts. He also gained experience as the chief editor for Medfield TV in Medfield, Massachusetts, and as a freelance videographer.

C2C Construction Solutions LLC has hired ADAM FOX as a full-time project manager/estimator. He has been interning with C2C Construction Solutions for the past year while completing his final year at Utica University in the construction management program. While attending Utica University, Fox joined the Associated General Contractor Student Chapter and has completed his OSHA
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C2C Construction Solutions LLC has hired ADAM FOX as a full-time project manager/estimator. He has been interning with C2C Construction Solutions for the past year while completing his final year at Utica University in the construction management program. While attending Utica University, Fox joined the Associated General Contractor Student Chapter and has completed his OSHA 30-hour safety course. He has experience in custom wood working and a residential construction background.

Rosie, an Ithaca–based ecommerce company, where shoppers can find items that they want to buy online from local stores, has hired LORI BROWN as senior VP of industry and customer development. In this role, Brown will focus on the expansion of the company’s ecommerce service and growth of Rosie’s independent retailer media network. Prior to
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Rosie, an Ithaca–based ecommerce company, where shoppers can find items that they want to buy online from local stores, has hired LORI BROWN as senior VP of industry and customer development. In this role, Brown will focus on the expansion of the company’s ecommerce service and growth of Rosie’s independent retailer media network. Prior to joining Rosie, Brown worked at Post Consumer Brands for 18 years, most recently as regional VP, leading Post Consumer Brands in the West Region and responsible for major accounts. She earned a master’s degree from USC’s Marshall School of Business.

Herkimer County Community College has appointed ROSEMARIE ETIENNE, of Mohawk, to the position of advisement center specialist. In this role, Etienne will be an assigned academic advisor to students in all areas of study. She previously worked for the Community Action Partnership of Madison County as a WIC nutrition assistant. Etienne also has experience as
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Herkimer County Community College has appointed ROSEMARIE ETIENNE, of Mohawk, to the position of advisement center specialist. In this role, Etienne will be an assigned academic advisor to students in all areas of study. She previously worked for the Community Action Partnership of Madison County as a WIC nutrition assistant. Etienne also has experience as a habilitation aide for Arc Herkimer, where she provided adult respite services for individuals with disabilities. She holds a bachelor’s degree in anthropology from SUNY Geneseo and a master’s degree in global health and development from the University College London in the United Kingdom.
Mohawk Valley Community College
SALINA BILLINS has transitioned to the position of director of opportunity programs at Mohawk Valley Community College (MVCC). She will provide leadership for the overall administration of MVCC’s Educational Opportunity Program (EOP) and the Collegiate Science and Technology Entry Program (CSTEP) grant, including supervision, budget management, grant requirement compliance, and program assessment. Billins has been
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SALINA BILLINS has transitioned to the position of director of opportunity programs at Mohawk Valley Community College (MVCC). She will provide leadership for the overall administration of MVCC’s Educational Opportunity Program (EOP) and the Collegiate Science and Technology Entry Program (CSTEP) grant, including supervision, budget management, grant requirement compliance, and program assessment. Billins has been with MVCC since 2012 in a variety of capacities, beginning as a GEAR UP academic specialist, completion coach, GEAR UP coordinator, and most recently as director of the EOP. She also is a leadership co-facilitator for MVCC’s Center for Leadership Excellence’s Neighborhoods Rising series. Prior to joining the college, Billins worked for Mohawk Valley Community Action Agency as a family advocate, child development supervisor, American Recovery and Reinvestment Act Green Job Training Program manager, and finally education manager. Billins holds a master’s degree in leadership and instruction for inclusive classrooms from Utica College and a bachelor’s degree in speech communication disorders from the University at Buffalo.
MOLLY CAMERON was appointed librarian-user experience at MVCC and will deliver comprehensive library and information services to students, faculty, staff, and community members using current and emerging technologies to provide a quality user experience. Cameron previously served as an on-call reference librarian at Illinois Central College, a research and doctoral committee graduate assistant at the University of South Carolina, a graduate teaching assistant at University of South Dakota, and an access-services student worker at Western Illinois University. Cameron holds a master’s degree in library and information science from the University of South Carolina and a bachelor’s degree in English from Western Illinois University.
STEFFANI DIPIERRO has transitioned to the grant-funded position of GEAR UP coordinator at MVCC and will manage programming and support services for GEAR UP, overseeing the effective delivery of a wide range of instructional support and interventive services to support program retention and completion. DiPierro has been with the college since 2016, first as an adjunct instructor and college services associate and most recently as a GEAR UP program specialist. She previously held positions as senior secretary/supervisor at The Neighborhood Center, certified second consultant/manager at Aspen Dental, assistant merchandise manager at DSW in Syracuse, and department manager at JC Penney in New Hartford. DiPierro holds a master’s degree in liberal studies from SUNY Empire State College and a bachelor’s degree in world history from University at Albany.
JAIME GALLARDO was appointed to the grant-funded position of coordinator, workforce development in the Center for Corporate and Community Education at MVCC. Gallardo will be responsible for meeting regional workforce-development needs by coordinating the development and delivery of educational programs. Gallardo most recently served as a student support assistant at Syracuse University and worked as education and disability services coordinator at Community Action Partnership in Canastota, program director of Rehab Resources, Little Lukes, at World of Wonder Childcare Center in Fulton and Camillus, and was lead toddler teacher at Peace Inc., EHS Program in Camillus. Gallardo holds a bachelor’s degree in interdisciplinary studies from Syracuse University.
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