THE SAUGUS ADVOCATE – FriDAy, MAy 17, 2024 Page 17 SOUNDS| FROM PAGE 15 Recreation Department. Please contact Coach Christopher Tarantino directly with questions at 781-854-6778 or christophertarantino24@gmail. com. CHaRM Center is open The Town of Saugus recently announced that the CHaRM Center is open Wednesday and Saturday from 8 a.m. to 2 p.m. Residents will be required to buy a $25 Sticker to use the Compost Facilities as well as to recycle hard plastics. The rest of the Facility’s features are free to use for any Saugus resident. Residents are also allowed three TVs or computers/CRT monitors for free per household each year. The Town of Saugus reserves the right to refuse any material if quantity or quality is questionable. The final date the CHaRM Center will be open for the season is December 14. However, the Facility will be open the following winter dates, weather permitting: January 18, 2025, from 8 a.m. to 2 p.m.; February 15, 2025, from 8 a.m. to 2:00 p.m.; March 15, 2025, from 8:00 a.m. to 2:00 p.m. Please contact Solid Waste/ Recycling Coordinator Scott A. Brazis at 781-231-4036 with any questions. What’s going on at the library? There’s always something interesting going on at the library. Here’s an activity worth checking out: Peter Jackson’s Magic To Go on Saturday, May 18 at 2 p.m. in the library’s Community Room. Reservations are required – ages six and up – reservations open April 15. Seating is limited. Brick program for Saugus War Monument The Saugus War Monument Committee, once again, is sponsoring the Buy-A-Brick Program to honor all those who have served their country. If you would like to purchase one in the name of someone who is presently serving or has served, in the memory of a loved one, or just someone from your family, school, etc., the general pricing is $100 for a 4” X 8” brick (three lines) or $200 for an 8” X 8” brick (five lines). Each line is a maximum of 15 characters. The improvement and upkeep of the monument on the corner of Winter and Central Streets rely on the generosity of donors through fundraising. The brick application must be in by Sept. 10 to ensure the bricks will be ready for Veterans Day. Please contact Corinne Riley at 781-231-7995 for more information and applications. About The Saugus Advocate We welcome press releases, news announcements, freelance articles and courtesy photos from the community. Our deadline is noon Wednesday. If you have a story idea, an article or photo to submit, please email me at mvoge@comcast.net or leave a message at 978-683-7773. Let us become your hometown newspaper. The Saugus Advocate is available in the Saugus Public Library, the Saugus Senior Center, Saugus Town Hall, local convenience stores and restaurants throughout town. - LEGAL NOTICE - COMMONWEALTH OF MASSACHUSETTS THE TRIAL COURT PROBATE AND FAMILY COURT Essex Division Docket No. ES24P1369EA Estate of: GLORIA A. MYLYK Also Known As: GLORIA MYLYK Date of Death: April 17, 2024 INFORMAL PROBATE PUBLICATION NOTICE To all persons interested in the above captioned estate, by Petition of Petitioner Stephen Spano of Saugus, MA a Will has been admitted to informal probate. Stephen Spano of Saugus, MA has been informally appointed as the Personal Representative of the estate to serve without surety on the bond. The estate is being administered under informal procedure by the Personal Representative under the Massachusetts Uniform Probate Code without supervision by the Court. Inventory and accounts are not required to be filed with the Court, but interested parties are entitled to notice regarding the administration from the Personal Representative and can petition the Court in any matter relating to the estate, including distribution of assets and expenses of administration. Interested parties are entitled to petition the Court to institute formal proceedings and to obtain orders terminating or restricting the powers of Personal Representatives appointed under informal procedure. A copy of the Petition and Will, if any, can be obtained from the Petitioner. May 17, 2024 - LEGAL NOTICE - COMMONWEALTH OF MASSACHUSETTS THE TRIAL COURT PROBATE AND FAMILY COURT Essex Probate and Family Court 36 Federal Street Salem, MA 01970 (978) 744-1020 Docket No. ES24C0006CA In the matter of: Ashley Sarai Munguia CITATION ON PETITION TO CHANGE NAME A Petition to Change Name of Adult has been filed by Ashley Sarai Munguia of Saugus, MA requesting that the court enter a Decree changing their name to: Ashley Sarai Ochoa. IMPORTANT NOTICE Any person may appear for the purposes of objecting to the petition by filing an appearance at: Essex Probate and Family Court before 10:00 a.m. on the return day of 06/11/2024. This is NOT a hearing date, but a deadline by which you must file a written appearance if you object to this proceeding. WITNESS, Hon. Frances M. Giordano, First Justice of this Court. Date: May 07, 2024 PAMELA CASEY O’BRIEN REGISTER OF PROBATE May 17, 2024 COLLECTING SOCIAL SECURITY BENEFITS Y ou can claim your social security benefits once you reach age 62. However, if you begin collecting at age 62, your benefits will be permanently reduced by 25% to 30%, depending on your birth year. Furthermore, if you begin collecting at age 62 and you are still working, you will have your benefits further reduced once your income exceeds a certain level. Once you reach your full retirement age, you can earn as much as you want without suffering a reduction of benefits. For those born in 1960 or later, the full retirement age is 67. If, for example, you were born in 1958, your full retirement age would be 66 and 8 months. The Social Security Administration (SSA) has a table that you can go by to determine what your full retirement age is and how much your benefits will be reduced by claiming early and how much they will be increased by waiting to age 70 to collect. If you wait beyond age 70 to collect, you will not receive any higher benefit. If you delay collecting your social security benefits until after your full retirement age, your benefits will increase 8% each year until age 70. One benefit of this strategy is if you were to die at age 71, your surviving spouse who was married to you for at least 10 years would receive 100% of your monthly benefit. If that surviving spouse did not have a higher monthly benefit under his or her own work history and did not have a sufficient state pension to live on, as well as significant liquid assets, that could be very important for the surviving spouse in order to continue with his or her standard of living. If a spouse collects benefits under his or her spouse’s work history, those benefits will be permanently reduced if that spouse begins collecting prior to his or her full retirement age. If you were to die after reaching your full retirement age, your surviving spouse would then be able to collect 100% of your monthly benefit, including the increased benefit you might be receiving as a result of waiting until age 70 to collect benefits. You can claim a surviving spouse social security benefit under your deceased spouse’s work history at age 60 and then transition to your own work history at your full retirement age assuming this would result in a higher monthly benefit. Furthermore, you could even wait until age 70 to collect under your work history resulting in even a higher monthly benefit. I would suggest establishing an account on the www. ssa.gov website to review your work history and to make sure all of your earnings have been posted properly. Go onto the retirement calculator tab to project your estimated benefits based upon retiring at full retirement age or at age 70. You would input your expecting earnings as well. If a divorced spouse remarries, he or she would lose the opportunity to collect benefits based upon the previous spouse’s work history. That is a real important consideration for divorced couples. Joseph D. Cataldo is an estate planning/elder law attorney, Certified Public Accountant, Certified Financial Planner, AICPA Personal Financial Specialist and holds a masters degree in taxation.
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