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ginning to receive benefits at 65, the lower benefits are received for an extra 60 months Max needs to multiply the normal retirement benefit by the number of months it would be received That s $1,400 times 60 for a total early payment of $84,000 Divide that by the additional monthly benefit that would be received by waiting until age 70, which is $420 The result is 200 That is the number of months it will take for the higher lifetime payments Max would receive for waiting until age 70 to catch up with the lifetime payments that would be received if Max started benefits at 65 Divide by 12, and that comes to 16 and two-thirds years Max has to live until almost age 87 to make the delay in benefits pay off.

* @,

That exceeds the average life expectancy of both men and women for this age group, so Max has to live beyond life expectancy for delaying benefits to pay off If Max dies before age 86 and eight months, Max and his family have lost money What about taking benefits at age 62 Suppose Max turned 62 in 2002 His benefits would be 775 percent of his normal retirement benefits of $1,400 (The reduction is even higher for those born later) That means Max would receive $1,085 monthly beginning at age 62 Full Retirement Age for Max is 65 and six months By taking benefits at 62, he will receive the benefits for an extra 42 months That means total benefits received by Full Retirement Age would be $45,570 Divide that amount by the $315 additional benefit Max would receive by waiting until Full Retirement Age.

sequence, condensation of the enaminoester from methyl acetoacetate (28) with acetoacetate Zl^ and benzaldehyde gives the calcium channel blocker nicarpi dine (29).

Zipping is a way of combing multiple files and folders into a single compressed folder. This is often done to make it easier to e-mail a large number of files as a single attachment. For example, when I write a book, each chapter contains many files one file containing all the text and a separate file for each picture. Before I submit a chapter to the publisher, I combine all the files into a single compressed file named x (where x is the chapter number). Then I send in that file. When the editor receives the file, it s easy for her to pass on a copy to each editor who needs to see it. Well, certainly a lot easier than if I d sent 20 or 30 separate little files for that one chapter. In Windows Vista, the terms compressed folder and Zip file mean the same thing a single file with a .zip extension that contains still more files and/or folders. The icon for a Zip file looks like a manila file folder with a Zip file on it. If filename extensions aren t hidden, the extension is .zip, as in the example shown in Figure 15.17. FIGURE 15.17

Max finds that it will take 144 and two-thirds months to make up for waiting until normal retirement age That means Max will have to live until about age 78 to break even for waiting until normal retirement age Only if he lives longer than this would he benefit This result should be expected After the 1980s changes, the reduced benefit for beginning payments before Full Retirement Age was designed to be breakeven for those who live to normal life expectancy In short, if someone lives to average life expectancy for his or her age group, the lifetime benefits received should be the same whether benefits are begun early or at Full Retirement Age Early benefits and late benefits now are supposed to be calculated so that it makes no difference to those who live to life expectancy for their year of birth.

Internet Explorer is a large program that has more to do with the Internet than Windows Vista per se. So, it s not something I can cover in depth in a general Windows book like this. But there s plenty of information available to you. I suggest that you start with the Help that s built into Internet Explorer, as follows: