Page 18 THE EVERETT ADVOCATE – FRiDAy, AugusT 28, 2026 BEACON | FROM PAGE 16 attendance records of local senators through August 22. The attendance records are based on 122 roll calls. The percentage listed next to the senator’s name is the percentage of roll call votes on which the senator voted. The number in parentheses represents the number of roll calls that he or she missed. Sen. Sal DiDomenico 100 percent (0) ALSO UP ON BEACON HILL ALLOW CREDIT UNIONS TO PAY THEIR BOARD MEMBERS (H 1338) – The House and Senate gave fi nal approval to and sent to Gov. Maura Healey a bill that would allow credit unions to compensate their board members for their service. “I was proud to sponsor this legislation which would modernize current law by allowing credit unions to compensate their board members for their service,” said sponsor Sen. Pavel Payano (D-Lawrence). “Under existing statute, board members may only be reimbursed for expenses incurred in the performance of their duties.” Payano continued, “This bill would permit compensation to be set and approved by the membership at an annual meeting, giving credit unions the fl exibility to determine appropriate levels of compensation as needed … Credit unions play a vital role in supporting our communities, and this update will help them attract and retain - LEGAL NOTICE - strong leadership, strengthen their institutions and enhance their ability to serve their members. We look forward to seeing the governor sign this important legislation into law.” BOSTON MAKES CUT TO FINAL THREE CITIES TO POSSIBLY HOST THE 2028 DEMOCRATIC NATIONAL CONVENTION - The Democratic National Committee announced that Boston, Denver and Philadelphia made the fi nal cut and are the three cities being considered to host the 2028 Democratic National Convention. “We are honored to move COMMONWEALTH OF MASSACHUSETTS LAND COURT DEPARTMENT OF THE TRIAL COURT DOCKET NO. 26 SM 001587 ORDER OF NOTICE TO: Gilson Machado and to all persons entitled to the benefit of the Servicemembers Civil Relief Act, 50 U.S.C. c. 50 § 3901 (et seq) CrossCountry Mortgage, LLC claiming to have an interest in a Mortgage covering real property in 26 Shirley St, Everett, MA 02149, given by Gilson Machado to Mortgage Electronic Registration Systems, Inc., as nominee for CrossCountry Mortgage, LLC its Successors and Assigns, dated January 26, 2023 and recorded in the Middlesex County Registry of Deeds in Book 81220, Page 01, has/have filed with this court a complaint for determination of Defendant’s/Defendants’ Servicemembers status. If you now are, or recently have been, in the active military service of the United States of America, then you may be entitled to the benefits of the Servicemembers Civil Relief Act. If you object to a foreclosure of the above mentioned property on that basis, then you or your attorney must file a written appearance and answer in this court at Three Pemberton Square, Boston, MA 02108 on or before 09/21/2026 or you may lose the opportunity to challenge the foreclosure on the ground of noncompliance with the Act. Witness, Gordon H. Piper, Chief Justice of this Court on 8/12/2026 Attest: Deborah J. Patterson Recorder August 28, 2026 forward to the fi nal stage as host for the 2028 Democratic National Convention and will continue to work alongside our incredible partners and the Greater Boston community to share the best of our city with the Democratic National Committee,” said Steve Kerrigan, chair of the Massachusetts Democratic State Committee. “Time and again, Massachusetts has demonstrated the vision and capability to take on ambitious events and carry them through to success -- backed by the infrastructure, talent and civic spirit that make great achievements possible. We are honored to join Denver and Philadelphia as this process moves forward.” “Coming off this successful summer hosting the World Cup, Tall Ships and MA 250 events, the people of Massachusetts have shown that we can host major events and showcase our state to the entire world,” said Gov. Healey. “The 2028 election will be an important moment to choose the direction of our country, and there is no better city than Boston to chart that future. I’m thrilled that Boston has advanced to the next round, and I look forward to working with partners like Mayor Wu and other leaders in this next phase of the convention process.” “Throughout the World Cup, Boston showed the entire world that our beautiful, safe and welcoming city is the perfect venue to host important events that can BEACON | SEE PAGE 19 Sa Sa a Say y Senior enior Sen by Jim Miller With Social Security Uncertainty, Should You Claim Benefi ts Early? Dear Savvy Senior, I turn 62 early next year and plan to retire soon after. Most advice says I should wait to claim Social Security because my monthly benefi t will be higher. But with all the recent news about Social Security’s fi nancial problems, I’m wondering if taking benefi ts early might be the safer choice. Is there ever a good reason to claim at 62? --Ready to Retire Dear Ready, You’re defi nitely not alone in asking this. The latest Social Security Trustees Report projects the retirement trust fund could be depleted around 2032 if Congress doesn’t act. If that happens, Social Security would still collect payroll taxes and pay benefi ts, but retirees could face an across-the-board cut of about 22 percent. Before you rush to file, keep things in perspective. Most experts still expect Congress to step in, as it has before, to strengthen Social Security. And even if lawmakers don’t act, waiting would still produce a higher monthly benefi t because any across-the-board benefi t cut would apply to everyone. While claiming at 62 means collecting benefi ts sooner, it also permanently locks in a smaller check. That said, there are several situations where claiming Social Security at 62 can make good fi nancial sense. How claiming age aff ect your benefi ts You can start Social Security at 62, but doing so permanently reduces your monthly benefit by about 30 percent compared with waiting until full retirement age (67 for those born in 1960 or later). Delaying until 70 increases your benefi t by about 24 percent. For example, a $2,000 monthly benefit at full retirement age would drop to about $1,400 at 62, or rise to roughly $2,480 if you wait until 70. When claiming early makes sense For some retirees, claiming at 62 is a practical move. If you’ve stopped working and need income for basic expenses, Social Security can provide a steady check right away. It can also serve as a bridge if you retire early or lose a job in your early 60s while delaying withdrawals from retirement accounts or a pension. Some retirees also claim Social Security early to reduce withdrawals from their IRA or 401(k) during market downturns. The tradeoff is a permanently reduced lifetime benefi t. For married couples, timing can be coordinated as part of a broader strategy. One spouse may claim early to bring in income while the other delays to boost their future or survivor benefi t. Health is another big factor. Delaying only pays off if you live long enough to collect those higher monthly checks. The break-even point between claiming at 62 and full retirement age is around age 78 or 79. If you’re still working, be careful here too. Before full retirement age, earnings above Social Security’s annual limit can temporarily reduce your benefit, and claiming early locks in that lower amount for life. Why delaying helps For many retirees, waiting means a larger guaranteed monthly benefi t for life and often a higher lifetime payout if you live into your late 70s or beyond. It can also provide stronger protection against outliving savings. For couples, delaying the higher earner’s benefi t can increase the survivor benefi t, which may help provide more fi nancial security for a surviving spouse. Before deciding, it’s smart to review your numbers. You can create a free account at SSA.gov/myaccount to check your earnings record and estimate benefi ts at different ages. Tools like OpenSocialSecurity.com or MaximizeMySocialSecurity.com (a paid tool with a $49 fee) can also help you compare claiming strategies. There’s no one-size-fits-all answer. For most people, waiting still makes the most sense. But if you need income, have health concerns or are coordinating benefi ts with a spouse, claiming at 62 may be the better choice. The key is to base your decision on your own circumstances – not fear about Social Security’s future. Send your questions or comments to questions@ savvysenior.org, or to Savvy Senior, P.O. Box 5443, Norman, OK 73070. nr ior
19 Publizr Home