There is no safe form of tobacco. At least 28 chemicals in smokeless tobacco have been found to cause cancer (1). The most harmful chemicals in smokeless tobacco are tobacco-specific nitrosamines, which are formed during the growing, curing, fermenting, and aging of tobacco. The level of tobacco-specific nitrosamines varies by product.
For example, if you were born in 1943 or later, your benefit will increase 8 percent for each year that you delay receiving benefits, up until age 70. In addition, working past your full retirement age has another benefit: It allows you to add years of earnings to your Social Security record.
1. Patience pays off. The longer you wait, the bigger the check. You can start collecting Social Security as early as age 62. If you do, however, you could suffer a reduction in benefits of 25% or more for the rest of your life.And if you continue to work, you could run up against the earnings cap, which in 2010 dings you $1 in benefits for every $2 you earn over $14,160.et a bonus. If you wait until age 70 you can collect even more, thanks to the delayed-retirement credit, which is worth 8% a year. Say your normal retirement age is 66 and at that age you'd collect $1,000 a month. If you wait until you're a septuagenarian, your check would grow to $1,320 -- a full 32% more.