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.
If you take Social Security income and your circumstances change, you can âwithdraw your applicationâ even if you have been taking income. You can pay it back but note that you can only do this in the first year. Once you have taken benefits 12 months or longer, this option isnât available. You are working part time. You can still earn income when you draw Social Security early, there are limits though. In 2014, you can earn up to $15,480 a year and receive your early Social Security payment. Over and above that threshold, your Social Security payout is reduced by $1 for every $2 you earn. In the year you reach your full Social Security age, you can earn up $3,450 a month before you reach 66, without affecting your benefits. (In that year, itâs reduced by $1 for every $3 you earn over the limit). The bottom line is if you earn more than the threshold, it doesnât make sense to take your benefit early. Once you have reached your full retirement age, you can earn as much as you like from a job or business and it doesnât affect your Social Security benefit.