THE MALDEN ADVOCATE–Friday, December 10, 2021 Page 19 ~ LEGAL NOTICE ~ PUBLIC NOTICE REQUEST FOR PROPOSALS RADON MEASUREMENT PROFESSIONALS AND LEAD-BASED PAINT INSPECTORS/RISK ASSESSORS 2021 MALDEN LEAD HAZARD CONTROL/HEALTHY HOMES PROGRAM The City of Malden, Office of Strategic Planning and Community Development (OSPCD) is seeking proposals from certified radon measurement professionals and licensed lead-based paint inspectors/risk assessors. Malden received a grant from the U.S. Department of Housing and Urban Development that will fund deleading work, radon mitigation, and other healthy homes repairs in approximately 142 low and moderate income dwelling units over a 42 month period. The Request for Proposals (RFP) includes radon testing, lead-based paint inspections, risk assessments, soil sampling, dust wipe sampling and clearance inspections. Bidders must be licensed, insured, and have experience performing radon and lead paint inspections/ risk assessments. All work must comply with Federal and state radon/lead regulations. Please email Kevin Nestor at knestor@maldenredevelopment.com for a copy of the Request for Proposals. Please call 781-324-5720 ext. 5732 if you have any questions. THE SUBMISSION DEADLINE IS 4:00 PM ON MONDAY, JANUARY 3, 2022. December 10, 2021 ~ LEGAL NOTICE ~ PUBLIC NOTICE REQUEST FOR QUALIFICATIONS CONSTRUCTION CONTRACTOR SERVICES FOR THE 2021 MALDEN LEAD HAZARD CONTROL/HEALTHY HOMES PROGRAM The City of Malden, Office of Strategic Planning and Community Development (OSPCD) is seeking qualified contractors for its Lead Hazard Control/Healthy Homes Program. Malden received a grant from the U.S. Department of Housing and Urban Development that will fund deleading work, radon mitigation, and other healthy homes repairs in approximately 142 low and moderate income dwelling units over a 42 month period. Contractors must have a thorough knowledge of the Massachusetts Building Code and must be licensed, insured, and registered on the System for Award Management (SAM.gov). Licensed deleading contractors and certified radon mitigation contractors are encouraged to apply. Interested contractors may obtain a copy of the Request for Qualifications by emailing knestor@maldenredevelopment.com. Please call Kevin Nestor at 781-324-5720 ext. 5732 if you have any questions. THE SUBMISSION DEADLINE IS 4:00 PM ON MONDAY, JANUARY 3, 2022. December 10, 2021 ~ Home of the Week ~ REVERE...PRIME BROADWAY Location and Visibility offers this great Retail Condo with multiple possibilities. Located on bus line, within walking distance of neighborhoods. Great opportunity to invest and build your business. Condo fee is $174.00. Offered at $600,000 335 Central Street, Saugus, MA 01906 (781) 233-7300 View all our listings at: CarpenitoRealEstate.com View the interior of this home right on your smartphone. a y avvy S iorenniiooro a avvyavvy iori n r by Jim Miller Social Security Calculators That Can Help You Decide When to Claim Dear 62, Deciding when to start collecting your Social Security benefi ts is one of the most complicated and consequential decisions in retirement. The diff erence between a good decision and a poor one could cost you and your wife tens of thousands of dollars over your retirement, so doing your due diligence now is a very smart move. Just Turned 62 Factors to Consider As you may already know, you can claim Social Security any time between the ages of 62 and 70, but each year you wait increases your benefi ts between 5 and 8 percent. However, there are other factors you need to take into account to help you make a good decision, like your health and family longevity, whether you plan to work in retirement, along with spousal and survivor benefi ts. To help you weigh your claiming strategies, you need to know that Social Security Administration claims specialists are not trained or authorized to give you personal advice on when you should start drawing your benefi ts. They can only provide you information on how the system works under diff erent circumstances. To get advice you’ll need to turn to other sources. Online Tools Your fi rst step in getting Social Security claiming strategy advice is to go to SSA.gov/myaccount to get your personalized statement that estimates what your retirement benefi ts will be at ages 62 through 70. These estimates are based on your yearly earnings that are also listed on your report. Once you get your estimates for both you and your wife, there are a number online Social Security strategy calculators you can turn to that can compare your options so you can make an informed decision. The best one that’s completely free to use is Open Social Security (OpenSocialSecurity.com), which runs the math for each possible claiming age (or, if you’re married, each possible combination of claiming ages) and reports back, telling you which strategy is expected to provide the most total spendable dollars over your lifetime. But if you want a more thorough analysis consider fee-based calculators like Maximize My Social Security (MaximizeMySocialSecurity.com) or Social Security Solutions (SocialSecuritySolutions. com). Both of these tools, which are particularly helpful to married couples as well as divorced or widowed persons, will run what-if scenarios based on your circumstances and show how diff erent fi ling strategies aff ect the total payout over the same time frame. Maximize My Social Security’s web-based service costs $40 per year for a household, while Social Security Solutions off ers several levels of web-based and personalized phone advice ranging from $20 to $250. In-Person Advice You may also be able to get help through a fi nancial planner. Look for someone who is a fee-only certifi ed fi nancial planner (CFP) that charges on an hourly basis and has experience in Social Security analysis. To fi nd someone, use the National Association of Personal Financial Advisors online directory at NAPFA.org, or try the Garrett Planning Network (GarrettPlanningNetwork.com), which is a network of fee-only advisers that charge between $150 and $300 per hour. 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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