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THE EVERETT ADVOCATE – FRiDAy, ApRil 22, 2022 Page 19 Sa nr Sa a y Senior Seni by Jim Miller When to Expect Your Social Security Checks Dear Savvy Senior, I am planning to retire and apply for my Social Security benefi ts in July. When can I expect my fi rst check, and is direct deposit my only option for receiving my monthly payment? Almost 62 Dear Almost, Generally, Social Security retirement benefi ts, as well as disability and survivor benefi ts, are paid in the month after the month they are due. So, if you want to start receiving your Social Security benefi ts in July, your July benefi ts will be distributed in August. The day of the month you receive your benefi t payment, however, will depend on your TAX CUT | FROM PAGE 14 cap from $3,000 to $5,000, allowing approximately 881,000 Massachusetts renters to keep approximately $77 million more annually Double the dependent care credit to $480 for one qualifying individual and $960 for two or more, and double the household dependent care credit to $360 for one qualifying individual and $720 for two or more to benefi t more than 700,000 families Increase the Massachusetts adjusted gross income thresholds for “no tax status” to $12,400 for single fi lers, $24,800 for joint fi lers, and $18,650 for head of households, which will eliminate the income tax for more than 234,000 low-income fi lers Double the estate tax threshold and eliminate the current “cliff eff ect” that taxes the full amount below the threshold Change the short-term capital gains tax rate to the personal income tax rate of fi ve percent to align the Commonwealth with most other states The plan would have an outsized impact on the communities hardest hit by the COVID-19 pandemic. For example, the rental deduction increase would provide $34 million in annual tax relief to renters in the 20 “equity communities” that the Department of Public Health identifi ed as having been hardest-hit by the pandemic (based on factors like social determinants of health and the disproportionate racial impact of the pandemic). The “no tax status” change to eliminate the income tax for more low-income people would result in nearly $12 million in annual savings in those same communities. through the 20th birthdate. Here’s the schedule of when you can expect to receive your monthly check. If you were born on the: 1st through the 10th : Expect your check to be deposited on the second Wednesday of each month. 11th : Expect your check to be deposited on the third Wednesday of each month. 21st through the 31st : Expect your check to be deposited on the fourth Wednesday of each month. There are, however, a few exceptions to this schedule. For example, if the day your Social Security check is supposed to be deposited happens to be nior ior a holiday, your check will be deposited the previous day. And, if you are receiving both Social Security benefi ts and SSI payments, your Social Security check will be deposited on the third day of the month. You should also know that for Social Security benefi ciaries who started receiving benefi ts before 1997, their Social Security checks are paid on the third day of the month. To get a complete schedule of 2022 payment dates, visit SSA.gov/pubs/EN-05-100312022.pdf. Receiving Options There are two ways you can receive your Social Security benefi ts. Most benefi ciaries choose direct deposit into their bank or credit union account because it’s simple, safe and secure. But if you don’t want this option, or you don’t have a bank account that your payments can be deposited into, you can get a Direct Express Debit MasterCard and have your benefi ts deposited into your card’s account. This card can then be used to get cash from ATMs, banks or credit union tellers, pay bills online and over the phone, make purchases at stores or locations that accept Debit MasterCard and get cash back when you make those purchases, and purchase money orders at the U.S. Post Offi ce. The money you spend or withdraw is automatically deducted from your account. You can check your balance any time by phone, online or at ATMs. There’s also no cost to sign up for the card, no monthly fees and no overdraft charges. There are, however, some small fees for optional services you need to be aware of, like multiple ATM withdrawals. Currently, cardholders get one free ATM withdrawal per month, but additional monthly withdrawals cost 85 cents each not including a surcharge if you use ~LEGAL NOTICE~ NOTICE OF MORTGAGEE’S SALE OF REAL ESTATE By virtue and in execution of the Power of Sale contained in a certain mortgage given by Jeanette E. Keene to Mortgage Electronic Registration Systems, Inc., as nominee for Reverse Mortgage Funding LLC, dated March 31, 2021 and recorded in the Middlesex County (Southern District) Registry of Deeds in Book 77952, Page 27 of which mortgage the undersigned is the present holder, by assignment from: Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for Reverse Mortgage Funding LLC, its successors and assigns to Reverse Mortgage Funding LLC, recorded on November 16, 2021, in Book No. 79154, at Page 346 for breach of the conditions of said mortgage and for the purpose of foreclosing, the same will be sold at Public Auction at 4:00 PM on May 25, 2022, on the mortgaged premises located at 9-11 Timothy Avenue, Everett, Middlesex County, Massachusetts, all and singular the premises described in said mortgage, TO WIT: The land with the buildings thereon situated in Everett, Middlesex County, Massachusetts, on the Northeasterly side of Timothy Avenue, being shown as Lot 4 on a plan of land in Everett, A.F. Sargent, Surveyor, dated October 25, 1917 and recorded with Middlesex South District Deeds at the end of Book 4187, bounded and described as follows: SOUTHWESTERLY: by Timothy Avenue, 45.50 feet; NORTHWESTERLY: by Lot 3 on said plan, 86 feet; EASTERLY: by Lot 7 on said plan, 19 feet; NORTHEASTERLY: by said Lot 7, 27.9 feet; and SOUTHEASTERLY: by Lot 5 on said plan, 75 feet. Containing 3630 square feet of land. For mortgagor’s(s’) title see deed recorded with Middlesex County (Southern District) Registry of Deeds in Book 25315, Page 488. These premises will be sold and conveyed subject to and with the benefit of all rights, rights of way, restrictions, easements, covenants, liens or claims in the nature of liens, improvements, public assessments, any and all unpaid taxes, tax titles, tax liens, water and sewer liens and any other municipal assessments or liens or existing encumbrances of record which are in force and are applicable, having priority over said mortgage, whether or not reference to such restrictions, easements, improvements, liens or encumbrances is made in the deed. TERMS OF SALE: A deposit of Five Thousand ($5,000.00) Dollars by certified or bank check will be required to be paid by the purchaser at the time and place of sale. The balance is to be paid by certified or bank check at Harmon Law Offices, P.C., 150 California St., Newton, Massachusetts 02458, or by mail to P.O. Box 610389, Newton Highlands, Massachusetts 02461-0389, within thirty (30) days from the date of sale. Deed will be provided to purchaser for recording upon receipt in full of the purchase price. The description of the premises contained in said mortgage shall control in the event of an error in this publication. Other terms, if any, to be announced at the sale. REVERSE MORTGAGE FUNDING, LLC Present holder of said mortgage By its Attorneys, HARMON LAW OFFICES, P.C. 150 California St. Newton, MA 02458 (617)558-0500 20711 April 22, 29 & May 6, 2022 a non-network ATM. To learn more, visit USDirectExpress. com or call 800-333-1795. When and How to Apply The Social Security Administration recommends that you apply for benefits three months before you want to start receiving checks. This will give you enough time to make sure you have all the needed information to complete the application. See SSA.gov/hlp/ isba/10/isba-checklist.pdf for a checklist of what you’ll need. You can apply for your Social Security benefi ts online at SSA. gov, by phone at 800-7721213, or in person at your local Social Security offi ce – call fi rst to make an appointment. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

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