Toner Buying Guide. Toner is the dry powder used in laser printers, laser fax machines and photocopiers that forms the text and images on the paper. Info About Toner. The term toner refers to the dry ink plastic powder used to print by printers, copiers and fax machines that use a laser printing process.
When the modern notion of retirement was first articulated near the end of the nineteenth century, the designated retirement age of 65 was longer than the life expectancy at the time. Over the last 50 years, the average retirement age declined steadily; in the United States, Great Britain, and Canada, the average retirement age is currently around 62. Meanwhile, life expectancies have increased, leaving more years for leisure.
If you start taking Social Security at age 62, rather than waiting until your full retirement age (FRA), you can expect up to a 30% reduction in monthly benefits with lesser reductions as you approach FRA. Remember, FRA is no longer age 65. It now ranges from 66 to 67, depending on your date of birth (see your full retirement age).